{"id":2184,"date":"2012-09-05T14:13:02","date_gmt":"2012-09-05T13:13:02","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=2184"},"modified":"2014-11-27T11:49:39","modified_gmt":"2014-11-27T10:49:39","slug":"solva-2-se-preparer-pour-le-1er-janvier-2014","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2012\/09\/solva-2-se-preparer-pour-le-1er-janvier-2014\/","title":{"rendered":"Solvabilit\u00e9 2, se pr\u00e9parer pour le 1er janvier 2014 (partie 1)"},"content":{"rendered":"

Initialement pr\u00e9vue pour 2012, l\u2019\u00e9ch\u00e9ance pour la mise en \u0153uvre de la r\u00e9forme Solva 2 a \u00e9t\u00e9 fix\u00e9e au 1er<\/sup> janvier 2014 suite \u00e0 une nouvelle directive. Un nouveau changement qui n\u2019est pas sans impacts pour les assureurs.<\/em><\/p>\n

Une exigence de conformit\u00e9 imm\u00e9diate d\u00e8s le 1er<\/sup> janvier 2014<\/h2>\n

La date du 1er<\/sup> janvier signifie une exigence imm\u00e9diate de conformit\u00e9 \u00e0\u00a0 Solvabilit\u00e9 2 pour les assureurs. Plus sp\u00e9cifiquement, toutes les exigences prudentielles actuelles vont \u00eatre compl\u00e9t\u00e9es voire remplac\u00e9es par\u00a0 celles pr\u00e9vues par ce nouveau r\u00e9gime, et donc cela d\u00e8s le 1er<\/sup> janvier 2014.<\/p>\n

Ce nouveau r\u00e9gime r\u00e9glementaire constitue un changement majeur dans l’\u00e9valuation de la solvabilit\u00e9 de l’assureur, autrement dit sa capacit\u00e9 \u00e0 honorer ses engagements de long terme aupr\u00e8s de ses clients. L\u00e0 o\u00f9 Solvabilit\u00e9 1, dans les ann\u00e9es 70, imposait une approche forfaire du risque, en d\u00e9duisant la marge de solvabilit\u00e9 d’un pourcentage des provisions techniques (provisions des engagements envers les assur\u00e9s) ou du chiffre d’affaires, Solva 2\u00a0 repose sur une approche bas\u00e9e sur les risques et une notion de valeur de march\u00e9 entrainant ainsi plus de volatilit\u00e9 dans les informations communiqu\u00e9es.<\/p>\n

Dans la lign\u00e9e de B\u00e2le 2\/3, et dans une approche type anglo-saxonne, l\u2019id\u00e9e est de mieux adapter les fonds propres exig\u00e9s des compagnies d’assurances et de r\u00e9assurance aux risques que celles-ci encourent dans leur activit\u00e9.<\/p>\n

D\u2019ici 16 mois, les assureurs doivent donc \u00eatre capables de se conformer aux 3 piliers de la r\u00e9forme.<\/p>\n

 <\/p>\n

Trois piliers \u00e0 satisfaire<\/strong><\/h2>\n

Le pilier I, le pilier quantitatif, est d\u00e9di\u00e9 au calcul de la marge de solvabilit\u00e9 selon les nouvelles exigences europ\u00e9ennes.<\/p>\n

Dans la m\u00eame id\u00e9e que la marge de solvabilit\u00e9 qui existe pour Solvabilit\u00e9 I, Solvabilit\u00e9 II propose 2 exigences de capital\u00a0: le Solvency Capital Requirement (SCR)<\/strong>\u00a0et le Minimum Capital Requirement (MCR<\/strong>).<\/strong><\/p>\n

Le MCR est le niveau de fonds propres critique que la soci\u00e9t\u00e9 d\u2019assurances doit d\u00e9tenir, pour\u00a0 ne pas se trouver dans la situation d\u2019insolvabilit\u00e9 et \u00e9viter ainsi l\u2019intervention des organismes de contr\u00f4le.<\/p>\n

Le SCR est pour sa part le montant n\u00e9cessaire pour faire face aux risques les plus importants et limiter la probabilit\u00e9 de ruine \u00e0 1 fois tous les 200 ans (d\u2019o\u00f9 un seuil de confiance \u00e0 99.5%).<\/p>\n

L\u2019ensemble des formules calculs des risques impliqu\u00e9s dans Solvabilit\u00e9 II a \u00e9t\u00e9 d\u00e9finit sur la base des r\u00e9sultats d\u2019\u00e9tudes quantitatives d\u2019impacts, autrement appel\u00e9 QIS (Quantitative Impact Studies).\u00a0Nous en sommes aujourd\u2019hui \u00e0 la 5\u00e8me<\/sup> \u00a0version, et le d\u00e9tail de chacun des calculs se trouve dans un document officiel appel\u00e9 \u00ab\u00a0Technical Specifications\u00a0\u00bb (sachant que le dernier, le QIS5, date du 5 Juillet 2010).<\/p>\n

Comme \u00e9voqu\u00e9 pr\u00e9c\u00e9demment, les actifs vont \u00eatre \u00e9valu\u00e9s en valeur de march\u00e9 sous solvabilit\u00e9 II, et non plus en valeur comptable. Cette m\u00e9thode est appel\u00e9e la \u00ab\u00a0juste valeur\u00a0\u00bb.<\/p>\n

Selon ce principe, les actifs doivent donc \u00eatre \u00e9valu\u00e9s \u00e0 la valeur \u00e0 laquelle ils pourraient \u00eatre \u00e9chang\u00e9s sur un march\u00e9 entre plusieurs parties, \u00e0 condition de concurrence normale. Les passifs, quant \u00e0 eux, seront \u00e9valu\u00e9s \u00e0 la valeur \u00e0 laquelle ils pourraient \u00eatre transf\u00e9r\u00e9s entre plusieurs parties, \u00e0 condition de concurrence normale.<\/p>\n

De l\u2019autre c\u00f4t\u00e9 du bilan, dans les passifs, les provisions techniques seront \u00e9valu\u00e9es en \u00ab\u00a0best estimate\u00a0\u00bb. Il s\u2019agit de la valeur actuelle probable des flux futurs de tr\u00e9sorerie. En d\u2019autres termes, le best estimate<\/em> est la moyenne des flux futurs ramen\u00e9s au pr\u00e9sent, d\u00e9termin\u00e9s \u00e0 partir de la courbe des taux sans risque. \u00c0 cela s\u2019ajoute une marge pour risque\u00a0qui correspond au co\u00fbt additionnel par rapport au best estimate<\/em> que repr\u00e9sente la couverture des obligations d\u2019assurance sur toute la dur\u00e9e de vie du portefeuille<\/p>\n

Un calcul d\u2019un SCR d\u2019ouverture sera\u00a0 demand\u00e9 aux organismes lors de la mise en \u0153uvre de Solvabilit\u00e9 2.<\/p>\n

D\u00e8s le d\u00e9marrage, les organismes seront \u00e9galement tenus d\u2019appliquer des exigences qualitatives (Pilier II), un principe de \u00ab\u00a0saine gestion des risques\u00a0\u00bb<\/strong> avec des impacts sur le syst\u00e8me de gouvernance, de contr\u00f4le interne et de gestion des risques propres (ORSA). Ils devront aussi fournir au march\u00e9, \u00e0 travers la communication financi\u00e8re<\/strong> (Pilier III), des informations extr\u00eamement d\u00e9taill\u00e9es avec une fr\u00e9quence beaucoup plus \u00e9lev\u00e9e qu\u2019actuellement.<\/p>\n

De nombreux \u00e9tats prudentiels \u00e0 produire<\/strong><\/h2>\n

Pas moins de 63 \u00e9tats prudentiels sont \u00e0 produire par entit\u00e9 juridique, dont 9 tous les trimestres\u00a0(environ 4 000 donn\u00e9es, dont 25% \u00e0 fr\u00e9quence trimestrielle)\u00a0! En parall\u00e8le, 13 \u00e9tats nationaux en norme \u00ab\u00a0french gaap\u00a0\u00bb seront \u00e9galement \u00e0 produire, il s\u2019agit des \u00e9tats nationaux sp\u00e9cifiques. Si le superviseur constate qu\u2019une des exigences sur le Pilier II ou III n\u2019est pas respect\u00e9e, il sera en droit d\u2019imposer un capital \u00ab\u00a0add-on\u00a0\u00bb suppl\u00e9mentaire au montant du SCR.
\nA lire bient\u00f4t : quelques conseils pour bien se pr\u00e9parer.<\/p>\n

<\/p>\n

 <\/p>\n

Retrouvez tous nos articles sur le secteur de l\u2019assurance sur\u00a0Insurance speaker<\/a>, le blog assurance des consultants Solucom<\/p>\n","protected":false},"excerpt":{"rendered":"

Initialement pr\u00e9vue pour 2012, l\u2019\u00e9ch\u00e9ance pour la mise en \u0153uvre de la r\u00e9forme Solva 2 a \u00e9t\u00e9 fix\u00e9e au 1er janvier 2014 suite \u00e0 une nouvelle directive. Un nouveau changement qui n\u2019est pas sans impacts pour les assureurs. Une exigence…<\/p>\n","protected":false},"author":96,"featured_media":6344,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38,34],"tags":[630,627,629,626,628],"coauthors":[935],"class_list":["post-2184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","category-strategie-d-entreprise","tag-mcr","tag-reforme-solvency","tag-scr","tag-solva-2","tag-solvabilite-ii"],"acf":[],"yoast_head":"\nSolvabilit\u00e9 2, se pr\u00e9parer pour le 1er janvier 2014 (partie 1) - RiskInsight<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.riskinsight-wavestone.com\/en\/2012\/09\/solva-2-se-preparer-pour-le-1er-janvier-2014\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Solvabilit\u00e9 2, se pr\u00e9parer pour le 1er janvier 2014 (partie 1) - RiskInsight\" \/>\n<meta property=\"og:description\" content=\"Initialement pr\u00e9vue pour 2012, l\u2019\u00e9ch\u00e9ance pour la mise en \u0153uvre de la r\u00e9forme Solva 2 a \u00e9t\u00e9 fix\u00e9e au 1er janvier 2014 suite \u00e0 une nouvelle directive. 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