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Browsing Conferences, seminars, meetings, and study days by Subject ": risk management, insurance of persons, risk in insurance companies. Jel Classification Codes: C12, G54."
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Item Open Access طرق وأساليب إدارة المخاطر في شركات التأمين على الأشخاص –دراسة حالة شركة -AXA(جامعة مسيلة, 2018) بن الشيخ, منالInsurance companies are exposed to multiple risks: as a financial institution, on the one hand, and thus exposed to the various risks to which financial institutions are exposed; and on the other hand, the special character that distinguishes them from other financial institutions, which also distinguishes them from other insurance companies. And therefore seeks to face these risks to ensure that the fulfillment of their obligations and to achieve an appropriate profit enables them to continue and stay, without problems. Most of the issues related to financial decision making, including capital investment, portfolio selection and management, risk assessment, financial planning, investment analysis, bankruptcy forecasting, etc., are designed to determine how factors of external origin And the internal factors related to the financial operations of the institution could affect the outcome of financial decisions. It was therefore necessary to develop tools and methodologies for assessing and managing these risks. The main objective of risk management is to support management to be able to correctly identify, quantify, properly control and quantify risks at the company level as a whole and to ensure that all legal requirements are met, in particular risk management, total risk exposure, Follow them to face them. Insurance companies, like other financial institutions, strive to manage their risks and manage them well enough to achieve their objectives in accordance with an appropriate strategy that guarantees the company to stay and continue. There is a correlation and overlap between the various risks to which insurers are exposed to persons. Once exposed to a risk, the company can lead to other risks, ie, a risk, which is also a reason for other risks to be realized. The insurance company is obliged to follow an appropriate and accurate risk management system that allows it to control the overall risks it faces. Once the insurer has identified the risks it faces, it must determine the appropriate method or mechanism to deal with these risks. The main findings can be illustrated in the following points: - Risk management is a continuous and continuous process in which the risk analysis faced by the institution is assessed, addressed, and monitored using appropriate tools and methods at the level of each company; the main objective of risk management is to support management to identify, measure, Right; - The insurance company is a profit-making business; it collects premiums from the insured; invests them in guaranteed investment; for the purpose of saving money The risks to the insurance companies are: actuarial risk; market risk; liquidity risk; loan risk and operational risk; - insurers track a range of ways and means The risk is covered by measuring the solvency capital requirements according to the "internal model" and "internal control and risk management". In addition, an investment strategy is followed by an investment strategy to cover these risks as they are adapted to the types of products and risks involved. Appropriate, aimed at ensuring that obligations towards document holders are met at all times