Revue Organisation et Travail
Volume 11, Numéro 3, Pages 251-264
2022-10-08
Interbank Electronic Clearing : A Projection On Insurance Companies In Algeria
Authors : Guemmaz Souhil .
Abstract
This paper aims to compare between electronic clearing systems in banks and insurance companies in Algeria, where we have dealt with components of the interbank electronic clearing, which was introduced in 2006 as part of the reform of the Algerian banking system, after having identified a variety of obstacles encountered in the context of manual clearing at the time. On the other hand, inter-insurance clearing was discussed, which until today only covers automotive risks in Algeria, with a gap between the expected results and those achieved. This study has shown its contribution through the proposal of a new conception of inter-insurance clearing in Algeria, based on a model inspired from the interbank electronic clearing system. This structure operates through the electronic modification of the exchange of endorsements, the electronic declaration of claims and the establishment of a risk registry between insurance companies. While also pointing out that this structure takes care of all the insured risks and not those related to the automotive branch only, as is currently the case. This opens the way for the construction of that insurance model for the exchange of information and values which imitates the current banking model applied in Algeria.
Keywords
Clearing ; Bank ; Insurance companies ; Digitalisation ; Algeria
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