تقييم الملاءة المالية في شركات التأمين الجزائرية: دراسة حالة الشركة الوطنية للتأمين SAA

Abstract EN

This study seeks to identify the extent to which the standards of solvency assessment in Algerian insurance companies are respected.

in the theoretical aspect, the rules of solvency according to the Algerian legislator were addressed, while in the practical side, an analysis was conducted of the reality of solvency of the national insurance company "SAA", during the period from 2014 to 2017, and it was finally concluded that the company enjoys good solvency, which reflects the solidity of the latter throughout the study period, and despite the review of the solvency system for insurance companies in Algeria, the Algerian legislator is still far from what is it is internationally applicable in the field of solvency, which determines the solvency margin on the basis of risk.

therefore, the legislator must reconsider the solvency rules and take into account the risks in calculating the solvency margin.