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Nouveaux risques pour les entreprises (Gaëtan Lefèvre) - Belgian Insurance Conference 2014

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Belgian Insurance Conference 2014 - Nouveaux risques pour les entreprises (Gaëtan Lefèvre)

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  • DOWNLOAD THIS BOOKS INTO AVAILABLE FORMAT (2019 Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download Full EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download Full doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book THIS can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer THIS is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBooks .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, Cookbooks, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, Ebooks, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story THIS Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money THIS the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths THIS Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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  • DOWNLOAD THIS BOOKS INTO AVAILABLE FORMAT (2019 Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download Full EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download Full doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book THIS can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer THIS is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBooks .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, Cookbooks, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, Ebooks, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story THIS Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money THIS the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths THIS Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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  • DOWNLOAD THIS BOOKS INTO AVAILABLE FORMAT (2019 Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download Full EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download Full doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download PDF EBOOK here { https://soo.gd/irt2 } ......................................................................................................................... Download EPUB Ebook here { https://soo.gd/irt2 } ......................................................................................................................... Download doc Ebook here { https://soo.gd/irt2 } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book THIS can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer THIS is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBooks .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, Cookbooks, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, Ebooks, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story THIS Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money THIS the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths THIS Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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Nouveaux risques pour les entreprises (Gaëtan Lefèvre) - Belgian Insurance Conference 2014

  1. 1. Nouveaux Risques pour les Entreprises Comment les identifier ?
  2. 2. RISK MANAGEMENT & INSURANCE WHO ? WHAT ? WHERE ? 2 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  3. 3. RISK MANAGEMENT & INSURANCE 3 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  4. 4. Nouveaux Risques pour les Entreprises - Comment les identifier ? Agenda: 1. Définition 2. Processus standard 3. Scénario du risque 4. Informations sur l’entreprise 5. Risques, incidents et accidents 6. Traitement des risques 7. Rôle de l’assurance dans le processus de gestion des risques 8. Ferma Benchmarking survey (2014) 4
  5. 5. Nouveaux Risques pour les Entreprises - Comment les identifier ? 1. Définition • Risk est la chance que quelque chose arrive avec un impact sur les objectifs. Il se mesure en termes de gravité et de probabilité de survenance. • Risk Management Le but du Risk Management est d’avoir connaissance de tous les risques liés à l’entreprise, de tout mettre en oeuvre pour les maîtriser et d’assurer ainsi la pérennité de l’entreprise tout en contribuant à la réalisation de ses objectifs. 5
  6. 6. 2. Risk Management Standard Process Contexte stratégique, organisationnel et gestion des risques Nouveaux Risques pour les Entreprises - Comment les identifier ? C O M M U N I C A T I O N P I L O T A G E Identification Analyse Evaluation Traitement 6
  7. 7. 3. Scénario du risque Nouveaux Risques pour les Entreprises - Comment les identifier ? 7
  8. 8. 3. Scénario du risque (suite) Nouveaux Risques pour les Entreprises - Comment les identifier ? Identification Analyse Probabilité de survenance Gravité/ Consequence Evaluation Maîtrise et traitement 8
  9. 9. 4. Informations sur l’entreprise  Données générales  Types d’activités  Données chiffrées financières et autres  Processus  Moyens de production (infrastructure, matières premières, produits)  Vente et marketing  Personnel  Relations avec les tiers  Divers 9 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  10. 10. Conception du produit Fabrication Emballage, étiquetage & expédition Publicité & vente Certification & garantie Manuels d’utilisation Service après-vente / consommateur Client / consommateur Mat. premières & composants Déchets 10 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  11. 11. 4. Informations sur l’entreprise (suite) Comment acquérir cette information sur l’entreprise?  Entrevue avec le patron / management (checklist, interview)  Visite sur place  Site internet  Consultation de documents disponibles (brochures produits, comptes annuels, statistisques, rapports d’inspection, flowcharts …) 11 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  12. 12. 5. Risks, Incidents & Accidents (1/3) Monde extérieur Monde interne Monde extérieur Fournisseurs Cf. Informations sur l’entreprise Personnel Propriété Résultats Nouveaux Risques pour les Entreprises - Comment les identifier ? Clients Investisseurs, concurrents,... Legal, ... Société Climat,... RESPONSABILITE RESPONSABILITE Information 12
  13. 13. 5. Risks, Incidents & Accidents (2/3)  Un sinistre résulte de la conjonction d’une part d’une situation de risque et d’autre part de l’action sur celle-ci d’une cause bien déterminée Circonstances SINISTRE CAUSES 13 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  14. 14. 5. Risks, Incidents & Accidents (3/3)  L’identification des causes possibles est essentielle pour la détermination et la mise en oeuvre de mesures efficaces en matière de prévention de risques 14 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  15. 15. 6. Traitement des risques (1/3) 15 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  16. 16. 6. Traitement des risques (2/3) Assurance  Etendue des garanties  Jusqu’à quel montant (valeur des biens, capitaux RC, …)  Exclusions  Prime d’assurance et réduction de prime pour franchise (plus élevée)  Mesures de prévention, protection souhaitable ou nécessaire  Qualité du service (service prévention, inspection, délais, …)  Choix de l’assureur, de l’intermédiaire  Autres (bonus, …) 16 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  17. 17. 6. Traitement des risques (3/3) Autres  Transfert via clauses contractuelles (clients – fournisseurs)  Sous-traitance  Outsourcing d’activités  Mais aussi … — Marché financier (taux de change, lettre de crédit, … ) — Les pools d’assurance (Nucléaire, …) 17 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  18. 18. 7. Rôle de l’assurance dans le processus de gestion des risques (1/4) Contexte stratégique, organisationnel et gestion des risques Identification Analyse Evaluation Assurance Traitement Prévention / Nouveaux Risques pour les Entreprises - Comment les identifier ? Protection 18
  19. 19. 7. Rôle de l’assurance dans le processus de gestion des risques (2/4)  Pourquoi s’assurer ? • Pour se protéger contre les conséquences de risques identifiés • Questions de base:  Que peut-il se passer?  Quelles peuvent en être les conséquences? => un contrat d’assurance doit autant que possible correspondre aux besoins réels de l’assuré en matière de risques Nouveaux Risques pour les Entreprises - Comment les identifier ? 19
  20. 20. 7. Rôle de l’assurance dans le processus de gestion des risques (3/4)  Responsabilité au sein de l’entreprise:  Management de l’Entreprise  Risk & Insurance Manager (interne)  Conseiller en Prévention (interne ou externe)  Autres départements (interne): —Audit Interne —Direction juridique et commerciale — Directions des ressources humaines —Direction de la production — …  Courtier d’assurances (externe) Nouveaux Risques pour les Entreprises - Comment les identifier ? 20
  21. 21. 7. Rôle de l’assurance dans le processus de gestion des risques (4/4)  Attentes de l’entreprise sur le rôle du courtier:  Connaissance du client et de son activité  Aide à la collecte des informations nécessaires à la conclusion de contrats d’assurances de qualité et ce de manière structurée  Rôle de conseil et d’interface avec l’assureur  Proposition d’adaptations aux conditions des contrats existants  Conseil et aide au sujet de: — Identification et évaluation des risques — Mesures de prévention et protection élémentaires  … Nouveaux Risques pour les Entreprises - Comment les identifier ? 21
  22. 22. 8. Ferma Benchmarking survey (2014)  Top 10 des risques en Europe: — Politique — Réputation — Conformité — Conditions économiques — Stratégie marketing et client — Planning et exécution de la stratégie — Ressources Humaines — Qualité & Sécurité des produits et services — Cash flow Nouveaux Risques pour les Entreprises - Comment les identifier ? 22
  23. 23. Conclusion • L’innovation élargit le SPECTRE des RISQUES & • La communication moderne accélère la PROPAGATION des RISQUES NECESSITE DE GERER LES RISQUES 23 Nouveaux Risques pour les Entreprises - Comment les identifier ?
  24. 24. THE END Bons Vents … ! Risk Management & Insurance 24 Nouveaux Risques pour les Entreprises - Comment les identifier ?

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