Théorie des Risque et Probabilité de Ruine

Abstract

Insurance is a risk management operation that commits the insurance company to its policyholders to bear the costs of claims and this against a premium that is paid monthly throughout the coverage period. Indeed, insurers and reinsurers face several types of risk during the period of the insurance contract. Therefore, the management of all these risks is an essential operation for the insurance company to protect itself against these probable dangers and meet its commitments. Risk management is based on the mathematical modeling of the insurance companyís Önancial situation, its Önancial reserves, expenses, cost of claims, growth rate...etc