{"id":5596,"date":"2014-07-25T18:03:15","date_gmt":"2014-07-25T17:03:15","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=5596"},"modified":"2015-02-04T10:45:55","modified_gmt":"2015-02-04T09:45:55","slug":"captive-dassurance-nouvel-outil-au-service-du-risk-manager","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2014\/07\/captive-dassurance-nouvel-outil-au-service-du-risk-manager\/","title":{"rendered":"La captive d\u2019assurance : un nouvel outil au service du risk manager"},"content":{"rendered":"

Les captives d\u2019assurance ont longtemps eu mauvaise presse\u00a0: outil d\u2019optimisation fiscale, concurrent d\u00e9loyal de l\u2019assureur. Pourtant, dans un contexte d\u2019encadrement du march\u00e9 et de d\u00e9veloppement massif de m\u00e9thodes alternatives de financement du risque, les captives pourraient se racheter une r\u00e9putation et, dans le m\u00eame temps, devenir un outil privil\u00e9gi\u00e9 du risk management\u00a0et ne plus \u00eatre un simple outil d\u2019optimisation fiscale ! Qu\u2019est-ce qui explique ce revirement de situation\u00a0? La r\u00e9glementation Solvabilit\u00e9 2 semble \u00eatre pass\u00e9e par l\u00e0\u2026<\/i><\/p>\n

La captive d\u2019assurance, un outil bien impl\u00e9ment\u00e9 en France<\/h2>\n

Une captive est un montage juridique et financier orchestr\u00e9 par une soci\u00e9t\u00e9 industrielle ou commerciale voulant se doter de sa propre compagnie d\u2019assurance, sans que cela ne rel\u00e8ve de son activit\u00e9 principale. La captive facture, tout comme un assureur classique, des primes \u00e0 la maison m\u00e8re et couvre en contrepartie leurs sinistres. Le concept de captives est attribu\u00e9 \u00e0 Frederic Reiss<\/a>. Ing\u00e9nieur en protection contre le feu, il accompagnait dans les ann\u00e9es 50 une entreprise cherchant \u00e0 assurer les mines dont la production \u00e9tait exclusivement r\u00e9serv\u00e9e \u00e0 ses usines aux Etats-Unis. Parce qu\u2019elles \u00e9taient appel\u00e9es captive mines<\/i> (captive <\/i>signifiant prisonnier<\/i> en anglais), Reiss a r\u00e9utilis\u00e9 cet attribut pour baptiser la compagnie d\u2019assurance en question. Depuis, le terme a \u00e9t\u00e9 g\u00e9n\u00e9ralis\u00e9.<\/p>\n

Si l\u2019assureur reste l\u2019acteur principal du financement du risque, un grand nombre d’entreprises se tournent vers cette solution.<\/a> Accor, Danone, Total, Carrefour, Alstom et bien d\u2019autres ont succomb\u00e9\u00a0\u00e0 la tendance\u00a0! En 2010, on comptait 5200 captives, contre 1000 en 1982.<\/p>\n

La captive d\u2019assurance, \u00a0un outil traditionnellement aux mains du directeur financier<\/h2>\n

Le directeur financier a rapidement vu en la captive d\u2019assurance une source de revenus suppl\u00e9mentaires, et ce \u00e0 plusieurs \u00e9gards.<\/p>\n

En acc\u00e9dant directement au march\u00e9 de la r\u00e9assurance, l\u2019entreprise optimise sa gestion des co\u00fbts. Moins vuln\u00e9rable aux fluctuations du march\u00e9, elle peut faire rapidement varier la voilure de sa captive en fonction de la dynamique du march\u00e9 et donc de ses int\u00e9r\u00eats. Le m\u00e9canisme lui permet \u00e9galement, dans une moindre mesure, d\u2019\u00e9conomiser les frais d\u2019interm\u00e9diation.<\/p>\n

Elle permet parall\u00e8lement \u00e0 l\u2019entreprise d\u2019am\u00e9liorer sa rentabilit\u00e9\u00a0: via le m\u00e9canisme de consolidation, sa comptabilit\u00e9 b\u00e9n\u00e9ficie des r\u00e9sultats financiers de la captive. En outre, les profits et les fonds accumul\u00e9s par la captive peuvent ais\u00e9ment b\u00e9n\u00e9ficier \u00e0 la maison m\u00e8re : indemnisation des sinistres, distribution de dividendes, liquidation ou vente de la captive.<\/p>\n

Souvent la vision du directeur financier a \u00e9t\u00e9 privil\u00e9gi\u00e9e, en t\u00e9moigne la domiciliation de la plupart des captives qui rel\u00e8ve clairement de l\u2019optimisation fiscale : plus de 30% d\u2019entre elles sont domicili\u00e9es aux Bermudes.<\/p>\n

La captive d\u2019assurance, un outil d\u00e9sormais au c\u0153ur de la gestion des risques<\/h2>\n

Entr\u00e9e en vigueur en janvier 2013, la r\u00e8glementation Solvabilit\u00e9 2<\/a>\u00a0 a pour objectif affich\u00e9 de garantir les int\u00e9r\u00eats des assur\u00e9s face aux assureurs. L\u2019assur\u00e9 et l\u2019assureur se confondant dans le cas des captives, il n\u2019\u00e9tait pas \u00e9vident que la r\u00e9glementation s\u2019applique \u00e0 elles. Elle n\u2019est pourtant pas d\u00e9nu\u00e9e d\u2019effet\u00a0: comme le montre Laure L\u00e9ger<\/a>, elle participe \u00e0 une augmentation g\u00e9n\u00e9rale des co\u00fbts des captives via l\u2019augmentation de l\u2019exigence de capital (pilier 1) et la hausse des co\u00fbts de gestion (pilier 2). Enfin, au nom de la transparence (pilier 3), la directive oblige les captives \u00e0 communiquer des informations jusqu\u2019\u00e0 pr\u00e9sent classifi\u00e9es comme confidentielles.<\/p>\n

Face \u00e0 ces nouvelles contraintes le directeur financier verra en Solvabilit\u00e9 2 une incitation suppl\u00e9mentaire \u00e0 domicilier sa captive dans un pays \u00e0 fiscalit\u00e9 privil\u00e9gi\u00e9e et le risk manager une opportunit\u00e9 pour sortir son \u00e9pingle du jeu et se r\u00e9approprier le concept de captive\u00a0!<\/p>\n

On l\u2019oublie souvent mais la mise en place d\u2019une captive a pour objectif initial de r\u00e9pondre \u00e0 des probl\u00e9matiques de risk management en couvrant les risques non pris en charge par le march\u00e9 des assurances. Aussi, les risques dits non assurables trouvent enfin leurs assureurs. Si \u00ab\u00a0catastrophe naturelle\u00a0\u00bb sont souvent les seuls et uniques mots qui nous viennent \u00e0 l\u2019esprit lorsqu\u2019on veut accoler l\u2019adjectif \u00ab\u00a0non assurable\u00a0\u00bb \u00e0 un risque, leur nombre est susceptible d\u2019augmenter et ce pour deux raisons. Tout d\u2019abord parce que de nouveaux risques, \u00e0 l\u2019image de la cybercriminalit\u00e9, apparaissent et ne sont pas, aujourd\u2019hui encore, couverts de fa\u00e7on satisfaisante par les acteurs traditionnels du march\u00e9. Ensuite parce que les assureurs, du fait de la hausse du co\u00fbt du capital induite par Solvabilit\u00e9 2, risquent de cesser de couvrir certains dommages qui ne seraient plus aussi rentables et participeraient indirectement \u00e0 agrandir le champ d\u2019action d\u2019un de leurs concurrents, la captive !<\/p>\n

Solvabilit\u00e9 2 participe certes, on l\u2019a vu, \u00e0 une augmentation du co\u00fbt du capital d\u2019une captive mais incite \u00e9galement et indirectement les entreprises \u00e0 am\u00e9liorer l\u2019amortissement d\u2019un tel investissement. Pour ce faire, elles n\u2019ont pas d\u2019autres choix que de renforcer leurs strat\u00e9gies de contr\u00f4les des risques. Elles doivent parall\u00e8lement optimiser leurs programmes d\u2019assurances. Pour ce faire, elles disposent de deux leviers\u00a0: une meilleure gestion des r\u00e9tentions qu\u2019elle doit financer (part du risque \u00e0 la charge de l\u2019assur\u00e9) et la cr\u00e9ation des polices d\u2019assurance adapt\u00e9es \u00e0 ses besoins et \u00e0 ses contraintes financi\u00e8res \u00e9galement.<\/p>\n

En d\u00e9finitive, deux vents contraires semblent jouer en faveur des captives d\u2019assurance. En effet, si le contexte r\u00e9glementaire actuel semble \u00eatre d\u00e9favorable aux captives, il participe \u00e9galement \u00e0 leur l\u00e9gitimation\u00a0: elles doivent faire face aux m\u00eames contraintes que leur grand fr\u00e8re, l\u2019assureur traditionnel. Dans le m\u00eame temps, la frilosit\u00e9 des assureurs \u00e0 prendre en charge les nouveaux risques poussent les entreprises \u00e0 mettre en place leurs assurances home made.<\/i> Au regard du contexte actuel, il est donc de la responsabilit\u00e9 du risk manager de s\u2019associer avec son confr\u00e8re, le directeur financier, afin de donner les moyens \u00e0 sa captive de jouer pleinement et simultan\u00e9ment sur le volet fiscalit\u00e9 mais aussi sur celui de la gestion de crise.\u00a0De cette fa\u00e7on, il gagnera en efficacit\u00e9 mais aussi en visibilit\u00e9 au sein de la direction g\u00e9n\u00e9rale.<\/p>\n","protected":false},"excerpt":{"rendered":"

Les captives d\u2019assurance ont longtemps eu mauvaise presse\u00a0: outil d\u2019optimisation fiscale, concurrent d\u00e9loyal de l\u2019assureur. Pourtant, dans un contexte d\u2019encadrement du march\u00e9 et de d\u00e9veloppement massif de m\u00e9thodes alternatives de financement du risque, les captives pourraient se racheter une r\u00e9putation…<\/p>\n","protected":false},"author":268,"featured_media":6124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38],"tags":[1637,626],"coauthors":[1636],"class_list":["post-5596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-captive-dassurance","tag-solva-2"],"acf":[],"yoast_head":"\nLa captive d\u2019assurance : un nouvel outil au service du risk manager - RiskInsight<\/title>\n<meta name=\"description\" content=\"La captive d\u2019assurance a longtemps eu mauvaise presse. 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