{"id":3081,"date":"2022-10-05T10:48:17","date_gmt":"2022-10-05T10:48:17","guid":{"rendered":"https:\/\/rouzade.com\/?p=3081"},"modified":"2024-05-06T11:24:40","modified_gmt":"2024-05-06T09:24:40","slug":"tendencii-v-strahovanii-vo-francii","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/","title":{"rendered":"Tendances de l&#039;assurance en France"},"content":{"rendered":"<p>Deloitte a men\u00e9 une analyse du march\u00e9 fran\u00e7ais de l&#039;assurance pour examiner les tendances du march\u00e9. En janvier 2022, l\u2019\u00e9tude a \u00e9t\u00e9 publi\u00e9e. Regardons les principaux messages de cette \u00e9tude, ce qui a chang\u00e9 en quelques mois.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3122\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/deloitte.jpg\" alt=\"\" width=\"960\" height=\"640\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/deloitte.jpg 960w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/deloitte-300x200.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/deloitte-768x512.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/deloitte-696x464.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/deloitte-630x420.jpg 630w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%ad%d0%b2%d0%be%d0%bb%d1%8e%d1%86%d0%b8%d1%8f_%d0%be%d0%bf%d0%b5%d1%80%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d0%be%d0%b9_%d0%bc%d0%be%d0%b4%d0%b5%d0%bb%d0%b8\" >Evolution du mod\u00e8le op\u00e9rationnel<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%a6%d0%b8%d1%84%d1%80%d0%be%d0%b2%d1%8b%d0%b5_%d1%82%d0%b5%d1%85%d0%bd%d0%be%d0%bb%d0%be%d0%b3%d0%b8%d0%b8\" >Technologies num\u00e9riques<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%9c%d0%be%d0%b4%d0%b5%d0%bb%d1%8c_%d0%b2%d0%b7%d0%b0%d0%b8%d0%bc%d0%be%d0%be%d1%82%d0%bd%d0%be%d1%88%d0%b5%d0%bd%d0%b8%d0%b9_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d1%89%d0%b8%d0%ba%d0%be%d0%b2_%d0%bf%d0%be%d1%81%d1%82%d0%b5%d0%bf%d0%b5%d0%bd%d0%bd%d0%be_%d0%bf%d0%b5%d1%80%d0%b5%d1%81%d1%82%d1%80%d0%b0%d0%b8%d0%b2%d0%b0%d0%b5%d1%82%d1%81%d1%8f\" >Le mod\u00e8le des relations entre assureurs se restructure progressivement<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%92%d0%be%d0%b9%d0%bd%d0%b0_%d0%b7%d0%b0_%d1%82%d0%b0%d0%bb%d0%b0%d0%bd%d1%82%d1%8b\" >Guerre des talents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%9f%d1%80%d0%be%d0%b1%d0%bb%d0%b5%d0%bc%d1%8b_%d1%83%d1%81%d1%82%d0%be%d0%b9%d1%87%d0%b8%d0%b2%d0%be%d0%b3%d0%be_%d1%80%d0%b0%d0%b7%d0%b2%d0%b8%d1%82%d0%b8%d1%8f\" >Probl\u00e8mes de durabilit\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%a1%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d0%ba%d0%b8%d0%b1%d0%b5%d1%80-%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2\" >Assurance cyber-risques<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%a1%d0%bb%d0%b8%d1%8f%d0%bd%d0%b8%d1%8f_%d0%b8_%d0%bf%d0%be%d0%b3%d0%bb%d0%be%d1%89%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b2_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b8\" >Fusions et acquisitions en assurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%a4%d0%b8%d0%bd%d0%b0%d0%bd%d1%81%d0%be%d0%b2%d0%b0%d1%8f_%d0%ba%d0%be%d0%bc%d0%bc%d1%83%d0%bd%d0%b8%d0%ba%d0%b0%d1%86%d0%b8%d1%8f_%d0%b2_%d1%8d%d0%bf%d0%be%d1%85%d1%83_ifrs17\" >La communication financi\u00e8re \u00e0 l\u2019\u00e8re d\u2019IFRS17<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rouzade.com\/fr\/tendencii-v-strahovanii-vo-francii\/#%d0%9e%d0%b1%d1%8f%d0%b7%d0%b0%d1%82%d0%b5%d0%bb%d1%8c%d1%81%d1%82%d0%b2%d0%b0_%d1%81%d0%b2%d1%8f%d0%b7%d0%b0%d0%bd%d0%bd%d1%8b%d0%b5_%d1%81_%d0%ba%d0%be%d0%bc%d0%bc%d0%b5%d1%80%d1%87%d0%b5%d1%81%d0%ba%d0%be%d0%b9_%d0%b4%d0%b5%d1%8f%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d1%81%d1%82%d1%8c%d1%8e\" >Passifs li\u00e9s aux activit\u00e9s commerciales<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%ad%d0%b2%d0%be%d0%bb%d1%8e%d1%86%d0%b8%d1%8f_%d0%be%d0%bf%d0%b5%d1%80%d0%b0%d1%86%d0%b8%d0%be%d0%bd%d0%bd%d0%be%d0%b9_%d0%bc%d0%be%d0%b4%d0%b5%d0%bb%d0%b8\"><\/span>Evolution du mod\u00e8le op\u00e9rationnel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La relation client et la distribution sont particuli\u00e8rement touch\u00e9es par la crise du Covid-19 depuis mars 2020. Les conseillers restent au centre de la relation client. Toutefois, les assureurs doivent devenir plus r\u00e9actifs et efficaces. Cela entra\u00eene in\u00e9vitablement un besoin accru de num\u00e9risation et d\u2019optimisation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a6%d0%b8%d1%84%d1%80%d0%be%d0%b2%d1%8b%d0%b5_%d1%82%d0%b5%d1%85%d0%bd%d0%be%d0%bb%d0%be%d0%b3%d0%b8%d0%b8\"><\/span>Technologies num\u00e9riques<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>La transformation num\u00e9rique et le recours aux technologies cloud pourraient \u00eatre la solution \u00e0 ces nouveaux probl\u00e8mes.<\/p>\n<p>26% Les Fran\u00e7ais utilisent le site Internet et le compte personnel de la compagnie d&#039;assurance pour effectuer leurs op\u00e9rations.<\/p>\n<p>M\u00eame si 77% fran\u00e7ais disposent d&#039;une agence, seuls 43% s&#039;y rendent au moins une fois par an, et ce chiffre est largement major\u00e9 par la bancassurance.<br \/>\nEt cette tendance est en baisse ; Deloitte estime que seuls 10% de clients visiteront une agence d&#039;ici 2025.<\/p>\n<p>Au-del\u00e0 des visites en agence, la fr\u00e9quence globale des contacts entre un assureur et son assur\u00e9 est en tendance \u00e0 la baisse. Les consommateurs attendent une plus grande personnalisation des services. De plus, 54% sont int\u00e9ress\u00e9s par des bonus ou des offres personnalis\u00e9es qui tiendront compte de leur mode de vie et de leur consommation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9c%d0%be%d0%b4%d0%b5%d0%bb%d1%8c_%d0%b2%d0%b7%d0%b0%d0%b8%d0%bc%d0%be%d0%be%d1%82%d0%bd%d0%be%d1%88%d0%b5%d0%bd%d0%b8%d0%b9_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d1%89%d0%b8%d0%ba%d0%be%d0%b2_%d0%bf%d0%be%d1%81%d1%82%d0%b5%d0%bf%d0%b5%d0%bd%d0%bd%d0%be_%d0%bf%d0%b5%d1%80%d0%b5%d1%81%d1%82%d1%80%d0%b0%d0%b8%d0%b2%d0%b0%d0%b5%d1%82%d1%81%d1%8f\"><\/span>Le mod\u00e8le des relations entre assureurs se restructure progressivement<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li>Approche multicanal avec un compte personnel comme point d&#039;entr\u00e9e.<\/li>\n<li>Les qualit\u00e9s relationnelles, la clart\u00e9 et la simplicit\u00e9 de l\u2019information conduiront \u00e0 une sensibilisation accrue du client.<\/li>\n<li>Nouvelles capacit\u00e9s d&#039;automatisation, chatbot interne, etc.<\/li>\n<li>\u00c9valuation des donn\u00e9es, mod\u00e8les op\u00e9rationnels pour optimiser le traitement et la gestion des activit\u00e9s (client, entreprise, consultant).<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"%d0%92%d0%be%d0%b9%d0%bd%d0%b0_%d0%b7%d0%b0_%d1%82%d0%b0%d0%bb%d0%b0%d0%bd%d1%82%d1%8b\"><\/span>Guerre des talents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Comme dans de nombreux autres secteurs, il existe une guerre des talents dans le secteur de l\u2019assurance. Les mod\u00e8les de talents traditionnels doivent \u00eatre repens\u00e9s pour relever les d\u00e9fis de transformation internes et externes \u00e0 l\u2019entreprise.<\/p>\n<p>Il est important d&#039;int\u00e9resser les salari\u00e9s non seulement aux salaires \u00e9lev\u00e9s, mais \u00e9galement aux conditions de travail.<\/p>\n<blockquote><p>Preuve que la transformation s&#039;est acc\u00e9l\u00e9r\u00e9e, seuls 3% des sond\u00e9s estiment que leurs salari\u00e9s devraient retourner au bureau \u00e0 temps plein.<\/p><\/blockquote>\n<p>Les entreprises doivent proposer \u00e0 leurs salari\u00e9s un nouveau mod\u00e8le de travail \u00e0 distance. Et il doit tenir compte de la nature du travail, de l\u2019exp\u00e9rience et des besoins du salari\u00e9.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d1%80%d0%be%d0%b1%d0%bb%d0%b5%d0%bc%d1%8b_%d1%83%d1%81%d1%82%d0%be%d0%b9%d1%87%d0%b8%d0%b2%d0%be%d0%b3%d0%be_%d1%80%d0%b0%d0%b7%d0%b2%d0%b8%d1%82%d0%b8%d1%8f\"><\/span>Probl\u00e8mes de durabilit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les d\u00e9fis li\u00e9s au d\u00e9veloppement durable cr\u00e9ent de nouvelles attentes et<br \/>\nobligations en mati\u00e8re de communication non financi\u00e8re, de politique d&#039;investissement et, plus largement, les obligations des assureurs, qui jouent un r\u00f4le \u00e9conomique et social important.<\/p>\n<p>L\u2019adoption de normes non financi\u00e8res entra\u00eene de nouvelles obligations de reporting pour les assureurs. Des lois et des r\u00e9glementations sont introduites qui obligent les entreprises \u00e0 devenir plus transparentes dans la mesure de leurs performances, tant au niveau de l&#039;entreprise qu&#039;au niveau des produits.<\/p>\n<p>Les assureurs devront int\u00e9grer la protection et les enjeux de la biodiversit\u00e9<br \/>\nle changement climatique dans la future politique d\u2019investissement. Le co\u00fbt de l\u2019inaction et de la d\u00e9gradation des \u00e9cosyst\u00e8mes s\u2019\u00e9l\u00e8vera \u00e0 7% du PIB mondial d\u2019ici 2050.<\/p>\n<p>Les assureurs devraient commencer par sensibiliser et former leurs salari\u00e9s et clients sur ces questions et prendre en compte le risque de perte de biodiversit\u00e9.<br \/>\ndans leurs mod\u00e8les d\u2019investissement, de tarification et de risque.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d0%ba%d0%b8%d0%b1%d0%b5%d1%80-%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2\"><\/span>Assurance cyber-risques<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Assurer les risques num\u00e9riques constitue un v\u00e9ritable enjeu pour les compagnies d\u2019assurance. Le march\u00e9 de la s\u00e9curit\u00e9 num\u00e9rique devrait atteindre 30 000 milliards de dollars en 2030. On constate une multiplication par quatre des attentats en France selon l&#039;ANSSI depuis 2020 et une p\u00e9nurie de quatre millions d&#039;experts.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3126\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/5.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/5.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/5-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/5-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/5-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/5-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>Cependant, la difficult\u00e9 r\u00e9side dans le fait que les donn\u00e9es sur les attaques ne sont pas soumises \u00e0 divulgation, ce qui rend difficile l&#039;\u00e9valuation des risques. Il existe \u00e9galement de nombreux \u00ab angles morts \u00bb dans la l\u00e9gislation qui ne permettent pas de d\u00e9finir clairement les garanties et les risques.<\/p>\n<p>Le cyber-risque devient de plus en plus important et un nouveau mod\u00e8le d&#039;assurance reste \u00e0 inventer, prenant \u00e9galement en compte la r\u00e9volution des nouvelles technologies de protection des syst\u00e8mes d&#039;information et l&#039;\u00e9volution de la l\u00e9gislation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d0%bb%d0%b8%d1%8f%d0%bd%d0%b8%d1%8f_%d0%b8_%d0%bf%d0%be%d0%b3%d0%bb%d0%be%d1%89%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b2_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b8\"><\/span>Fusions et acquisitions en assurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La consolidation de l\u2019activit\u00e9 et l\u2019afflux de capitaux priv\u00e9s dans un contexte de taux d\u00e9biteurs bas (qui ont commenc\u00e9 \u00e0 augmenter en 2022 \u00e0 la suite du conflit entre la Russie et l\u2019Ukraine) sont deux tendances fondamentales du courtage d\u2019assurance en France.<\/p>\n<p>Les assureurs traditionnels envisagent de plus en plus de se d\u00e9partir des portefeuilles Assurance Vie et de r\u00e9orienter leur contrat d&#039;assurance.<\/p>\n<p>Les grands acteurs multiplient les fusions et les partenariats pour r\u00e9aliser<br \/>\ndes synergies pour renforcer vos offres ou accompagner votre activit\u00e9 sur le long terme.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3102 size-full\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/etude-deloitte-insurance-trends-2022.png\" alt=\"\" width=\"454\" height=\"244\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/etude-deloitte-insurance-trends-2022.png 454w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/etude-deloitte-insurance-trends-2022-300x161.png 300w\" sizes=\"auto, (max-width: 454px) 100vw, 454px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a4%d0%b8%d0%bd%d0%b0%d0%bd%d1%81%d0%be%d0%b2%d0%b0%d1%8f_%d0%ba%d0%be%d0%bc%d0%bc%d1%83%d0%bd%d0%b8%d0%ba%d0%b0%d1%86%d0%b8%d1%8f_%d0%b2_%d1%8d%d0%bf%d0%be%d1%85%d1%83_ifrs17\"><\/span>La communication financi\u00e8re \u00e0 l\u2019\u00e8re d\u2019IFRS17<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La norme IFRS 17 devrait entrer en vigueur d\u00e9but 2023. Les assureurs continuent de se pr\u00e9parer \u00e0 cet \u00e9v\u00e9nement cl\u00e9, o\u00f9 ils devront repenser leur financement dans un contexte \u00e9conomique d\u00e9favorable. La difficult\u00e9 de cela<br \/>\nLa norme cr\u00e9e de s\u00e9rieux probl\u00e8mes dans la pr\u00e9paration des \u00e9tats financiers et<br \/>\nannonce des r\u00e9sultats.<\/p>\n<p>Les IFRS obligent les assureurs \u00e0 divulguer des informations cl\u00e9s sur la nouvelle mesure de la rentabilit\u00e9 future. Ce qui permettra aux investisseurs de mieux \u00e9valuer les b\u00e9n\u00e9fices et les risques futurs de l&#039;entreprise.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9e%d0%b1%d1%8f%d0%b7%d0%b0%d1%82%d0%b5%d0%bb%d1%8c%d1%81%d1%82%d0%b2%d0%b0_%d1%81%d0%b2%d1%8f%d0%b7%d0%b0%d0%bd%d0%bd%d1%8b%d0%b5_%d1%81_%d0%ba%d0%be%d0%bc%d0%bc%d0%b5%d1%80%d1%87%d0%b5%d1%81%d0%ba%d0%be%d0%b9_%d0%b4%d0%b5%d1%8f%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d0%be%d1%81%d1%82%d1%8c%d1%8e\"><\/span>Passifs li\u00e9s aux activit\u00e9s commerciales<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La surveillance des pratiques commerciales a \u00e9volu\u00e9 depuis 2019 pour inclure la culture d&#039;entreprise et la valeur client. Le probl\u00e8me est aujourd&#039;hui de consolider les initiatives li\u00e9es aux risques de fautes, aux risques, au sein d&#039;une structure commune, de d\u00e9terminer des indicateurs de gestion et de diffuser la culture du risque au sein de l&#039;entreprise.<\/p>\n<p>Les pratiques commerciales et commerciales agressives visant \u00e0 maximiser les profits sans prendre en compte les int\u00e9r\u00eats du client par certains acteurs conduisent \u00e0 une perte de confiance des clients dans l&#039;ensemble du secteur de l&#039;assurance.<\/p>\n<p>En 2010, en France, l&#039;ACPR a cr\u00e9\u00e9 un office de surveillance des risques comportementaux, une pratique commerciale contraire \u00e0 l&#039;\u00e9thique des institutions d&#039;assurance et financi\u00e8res.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-3116 aligncenter\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/etude-deloitte-insurance-trends-2022.jpg\" alt=\"\" width=\"454\" height=\"388\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/etude-deloitte-insurance-trends-2022.jpg 454w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/etude-deloitte-insurance-trends-2022-300x256.jpg 300w\" sizes=\"auto, (max-width: 454px) 100vw, 454px\" \/><\/p>\n<p>Les entreprises doivent mettre en \u0153uvre un comportement \u00e9thique en interne et envers leurs clients. Le respect par les salari\u00e9s des r\u00e8gles d\u2019\u00e9thique professionnelle, entre eux et vis-\u00e0-vis des clients, devrait devenir une pratique int\u00e9grante des compagnies d\u2019assurance.<\/p>\n<p>Source: <a href=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/etude-deloitte-insurance-trends-2022.pdf\">etude-deloitte-tendances-assurance-2022<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Reprenons les principaux points de l&#039;\u00e9tude Deloitte concernant l&#039;analyse du march\u00e9 de l&#039;assurance en France.<\/p>","protected":false},"author":1,"featured_media":3124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-3081","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u0410\u043d\u0430\u043b\u0438\u0437 \u0440\u044b\u043d\u043a\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u0432\u043e \u0424\u0440\u0430\u043d\u0446\u0438\u0438 \u043d\u0430 Rouzade.com<\/title>\n<meta name=\"description\" content=\"\u0412 \u044f\u043d\u0432\u0430\u0440\u0435 2022 \u0433\u043e\u0434\u0430 \u0431\u044b\u043b\u043e \u043e\u043f\u0443\u0431\u043b\u0438\u043a\u043e\u0432\u0430\u043d\u044b \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b \u0430\u043d\u0430\u043b\u0438\u0437\u0430 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