Financial Regulation and Governance
Over-regulation in the insurance industry
By Arnaud Chneiweiss
August 2018 - Réalités Industrielles
French insurance companies are faced with a “regulatory avalanche”, an unprecedented accumulation of uncoordinated standards. This over-regulation, at national, European and international levels, is somewhat of a tribute to the key role this industry plays in contemporary society. However useless regulations can hamper both growth and innovation. ...
Big data, pooling risks
and exclusion in the insurance industry
By Rémi Steiner
June 2018 - Digital issues
In a market economy, the theory of insurance leads insurers to set the premiums for policies as a function of the risks specific to policyholders. A hard question thus crops up: how to segment risks (an action reducing the effects of pooling risks) so as to keep clients from taking their business to competitors? Answering this question involves big data, a phenomenon referring to:
By Patrick Dixneuf
March 2018 - Digital issues
Its use as a catchword should not keep us from seeing that artificial intelligence is attaining the stage of growth for an industrial and commercial rollout. AI is deeply changing many business processes as well as relations with customers and employees. How is the insurance industry to cope with these innovations? First of all, like other branches of the economy, it must assess the effects ...
The majority of the articles published here were translated from French to English by the Translation Centre of the French economy and finance ministries.
The remaining articles were translated by Noal Mellott.