إدارة المخاطر ومساهمتها في تفعيل أداء شركات التأمين: دراسة حالة المديرية الجهوية للشركة الوطنية للتأمين Saa سطيف

الملخص EN

The goal of risk management existence in insurance organizations is to reach the best methods and the lowest cost in face of risks to which the organization is exposed, and lead to material losses that reduce income and wealth which affect the image and even the continuity of the institution.

risk management is a strategical process that insurance organizations cannot dispensed with because it allows to improve its performance and effectiveness.

this research aims to show the most important risks that insurance companies face and how to manage these risks, which always seek to activate performance and achieve the stated goals by identifying the various risks and arranging them according to their severity levels and analyzing them.

this study also found dependence in the risk management function on a group of the criteria in determining the underwriting and investment policy in order to reach the desired goals.