أثر الأخطار على الملاءة المالية لشركات التأمين : دراسة حالة الصندوق الجهوي للتعاون الفلاحي بالقليعة

الملخص EN

This study aims to demonstrate the impact of risks on insurance companies' solvency.

insurance companies, like other companies, are among Algeria's most important economic institutions and are instrumental in the overall economic balance.

like other companies, they seek profits through services provided to customers in an effective manner in order to ensure market share and not increase and compete more.

in order to achieve the governing objectives, the department must maintain its solvency, which is the most important thing to rely on because of its exposure to many financial risks that may threaten its solvency and lead to bankruptcy.

one of the most important risks to be addressed in this research is underwriting and investment risks that have a direct impact on the solvency that requires management to understand well, pay attention to its management, and seek effective ways to predict and address them in the future through opportunities and threats that can be exposed.

this research was based on the various financial variables of the company studied for the period from 2015 to 2020 by testing the aggregate regression model insured persons ", where a set of results was reached, the most important of which was that the scale of insurance risks adversely affected solvency as well as liquidity risk, which must be in accordance with the established criteria without increasing or decreasing; with respect to written premiums, it can be a cause of weak insurance companies' solvency.

thus, the company's management must respect international standards and keep pace with insurance market conditions.