دراسة تحليلية للملاءة المالية في شركات التأمين _ دراسة سوق التأمين الجزائرية

Abstract

This study aimed to analyze solvency In Algerian insurance companies and determine the extent of their compliance with the regulation governing it, especially those related to the solvency margin. Solvency is considered a key indicator in insurance companies, as it reflects the ability to meet financial obligations and is a fundamental basis for assessing their financial strength. Given the complexity and diversity of risks, we relied on the descriptive and analytical approach, as the adopted system in Algeria remains traditional and focuses on the minimum capital requirement without using advanced measurement tools to assess the potenail threats. The study also recommended the need to modernize the solvency system in insurance companies by adopting of mathematical and statistical methods that help in predict various risks. it emphasized the importance of financial oversight and enhancing transparency to ensure the stability of the Algerian insurance market, which contributes to protecting policyholders rights"