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Presentation Sur L'assurance

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Une présentation du business de l'assurance pour débutant.
Risk assesment, assurance, premium, business model, finance, vous y verrez plus clair!
Visitez mon blog: http://www.cedric-annicette.info/blog

Published in: Economy & Finance
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Presentation Sur L'assurance

  1. 1. Une explication de l’assurance en termes simples… Pour débutants!
  2. 2. D’un coup d’oeil <ul><li>L’assurance késako? </li></ul><ul><li>Transfert des risques </li></ul><ul><li>Réclamer l’argent </li></ul><ul><li>Faire un “Claim” </li></ul><ul><li>Réserve de capitaux </li></ul><ul><li>Répendre le risque </li></ul><ul><li>Qui est impliqué? </li></ul><ul><li>Pourquoi? </li></ul>Business Model de l’assurance <ul><li>Contrat </li></ul><ul><li>Policy Document </li></ul><ul><li>Les entreprises de l’assurance </li></ul><ul><li>Risk Assessment </li></ul><ul><li>Value </li></ul><ul><li>Premium </li></ul><ul><li>Qui est impliqué? </li></ul><ul><li>Business </li></ul><ul><li>L’assureur </li></ul>Résumé
  3. 3. C’est quoi l’assurance? Transfert de risque Le client paye une quantité d’argent (le premium) à l’assureur qui couvre en retour son risque financier. Les risques encourus peuvent être génériques, vol, incendie, etc. D’autres risques peuvent être specifiques à l’entrepise. En payant un assureur vous léguez vos risques en échange d’une commision. ASSURANCE BUSINESS
  4. 4. Qui est impliqué? <ul><li>Gérard </li></ul><ul><li>Possède une entreprise de feu </li></ul><ul><li>d’artifice dans le centre de Paris. </li></ul><ul><li>Il a besoin d’une assurance. </li></ul>L’assureur A va assurer son usine
  5. 5. L’assureur <ul><ul><li>Un Risk Assessment est conduit afin de determiner à quelle hauteur la compagnie a besoin d’etre assurée et jauger le risque encouru par l’assureur. </li></ul></ul>Le “value” est la valeur totale de l’entreprise. L’entreprise de Gérard est estimée à 10 Millions d’Euros. Le premium est la somme versée annuellement à l’assureur par l’assuré. Elle est determinée en fonction du Risk Assesment et le “value”. Interest exposure * Rate = Premium (value) 10 Millions € * 5 % = € 500 000
  6. 6. Le contrat L’ASSURANCE BUSINESS Un contrat est etabli entre les deux partis pour savoir exactement ce qui a été assuré et à quelle valeur.
  7. 7. Faire une reclamation <ul><li>Réclamation d’argent </li></ul>L’usine de Gérard L’ASSURANCE Huissier
  8. 8. Réserve de capitaux L’assureur doit être en mesure de couvrir la valeur totale de l’entreprise de Gérard a tout moment 10 Millions de reserve de capitaux L’hussier a determiné qu’ un million d’euro peut être tiré de ce qu’il reste. 9 Millions remboursés La réserve de capitaux de l’assureur est a 0 euro 0 euro de réserve de capitaux Le million d’euro qui n’a pas été versé à Gerard se sont soustrait à la réserve de capitaux. 9 millions d’euros sont payés a Gérard
  9. 9. Rependre le Risque <ul><li> Gérard possède une entreprise de feu d’artifice à paris non assurée. </li></ul>L’assureur A va assurer l’entreprise de Gérard à hauteur de 10 millions d’euros. Cédric le Broker est un expert des marchés financiers et sait exactement qui contacter. Cedric contact l’assureur A.
  10. 10. Rependre le Risque L’assureur B va Co-assurer a hauteur de 20% du contrat. L’assureur C va Co-assurer a hauteur de 20% du contrat. L’assureur X va Re-assurer l’assureur A à hauteur de 30 % de la couverture qu’ils garantissent. L’assureur A va assurer l’entreprise de Gérard à hauteur de 10 millions d’euros.
  11. 11. Rependre le Risque L’assureur éssaye de: Réduire son exposition à une grosse réclamation d’argent Diminuer ses besoins en réserve de capitaux Et ainsi augmenter le nombre d’assurés 10 Millions d’Euros 1 entreprise 2 Millions 6 Millions 2 Millions OU
  12. 12. Business Model de l’assurance Coût des réclamations Depenses Coût Paiements du premium Plus value des investissements Revenus PROFIT
  13. 13. Résumé <ul><ul><li>Transfert de risque </li></ul></ul><ul><ul><li>Contrat d’assurance </li></ul></ul><ul><li>Value * taux = Premium </li></ul><ul><ul><li>Réclamation d’argent </li></ul></ul><ul><li>réserve de capitaux </li></ul><ul><ul><li>répendre le risque </li></ul></ul><ul><ul><li>Business Model de l’assurance </li></ul></ul>

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