نظام الملاءة 2 الأوروبي : أي تحديات تواجه تطبيقه على شركات التأمين الجزائرية ؟

الملخص EN

This study aimed to identify the most important challenges facing the implementation of the European solvency system 2 in Algerian insurance companies.

to achieve this, we presented and compered the important rules and pillars of the European solvency system 2 and the Algerian solvency system.

then reviewed the statistical evolution of solvency indicators in the Algerian insurance market, and draw the most important challenges that impede the application of the solvency system 2 in Algeria.

the study found that insurance companies respect the rules of solvency imposed by the Algerian legislature, because it is based on simple quantitative requirements.

but they face structural, legislative, investment, environmental and administrative challenges, witch create difficulties in adapting to the developments of the solvency system 2, which requires the need to search in developing the insurance sector and try to overcome these challenges before seeking to adapt to new systems requires a more appropriate environment to implement these developments in Algeria.