نظام الإنذار المبكر Iris كأداة للتنبؤ بالمخاطر المالية لشركات التامين : دراسة حالة الشركة الجزائرية للتامينات CAAT

الملخص EN

IRISInsurance companies are among the most important non-bank financial institutions, and in order to ensure their continuity and survival and to be able to face the risks that are the subject of their activity and deal with them, and in order to also be able to manage their financial risks, fulfill their obligations and improve their financial position, they must manage their various components and find solid methods for forecasting and controlling Financial risks before their occurrence in order to preserve its financial position, good solvency level and protect the interests of its creditors.

This is what the IRIS early warning system may contribute, which gives advance alerts to the company in case of financial risks.

Through the study relying on the analytical method, it was found that the Algerian Insurance Company CAAT does not adopt the IRIS warning system as a method for predicting the risks of its financial solvency, although it is of great importance for the benefit of the company as it is an early warning means for the occurrence of financial hardship and this is depending on the results of the related financial indicators With this system.

And from it, creating a clear basis for activating all control methods and creating foundations for governance in insurance institutions as necessary to achieve activation requirements and manage solvency risks in the shadow of a dynamic environment, which may threaten the company's continuity and survival in the market.