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{ "title": "2016_000359e9029defe205a48885c3102e6a.pdf" }
4 Abstract In France, lengthening life expectancy forecasts an increase of the dependency phenomenon for the future decades. This dissertation presents first the definition of dependency, the different ways of evaluating the level of senior’s dependency and the different assistance offered by government and private insurances in order to finance the loss of autonomy. This part enables to understand perspectives and stakes related to aging of the population. The aim of this dissertation is to develop compartmental laws of policyholders, termination and partial retention, having created beforehand a reliable database, in order to mesure the impact on provisioning. The estimation of exit’s gross rate has been made through Hoem’s likelihood estimation. The
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{ "title": "2016_000359e9029defe205a48885c3102e6a.pdf" }
choice of this estimator enables to calculate the exact exit risk exposure of a policyholder. The reached rates have been sharpened by age groups, then smoothed by the Whittaker- Henderson average. This laws have been integrated in the forecast model of S2 Dependence of Predica (Prophets). Moving to partial guarantees retention is possible and would have been previously modeled as well as all the linked flows. Then, we compared the different flows trajectories between the new and the former model, namely the one that does not allow the transition to partial retention throughout the projection. Afterwards, we proceeded to tendency study in the partial retention rates given that the started tariff revision process could have an impact on the policyholders behaviour.
10
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{ "title": "2016_000359e9029defe205a48885c3102e6a.pdf" }
conserver une garantie réduite en cas d’entrée en dépendance.  Lissage des taux bruts Les taux bruts de sorties ont ensuite été lissés par la méthode de Whittaker-Henderson. Cette méthode repose sur la combinaison d’un critère de fidélité et d’un critère de régularité et d’en rechercher les valeurs ajustées qui minimisent la somme des deux critères, obtenue par : Avec et des paramètres du modèle.  Majoration de lois Afin de mesurer l’impact de la révision tarifaire sur le comportement des assurés et ainsi de mener une étude de sensibilité sur la déformation du portefeuille, nous déterminons un taux de majoration à appliquer sur les taux de sortie en cas de révision tarifaire. L’unique année
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{ "title": "2016_000359e9029defe205a48885c3102e6a.pdf" }
Un individu peut bénéficier de l’APA sous conditions, d’avoir 60 ans ou plus, de résider en France et d’être en perte d’autonomie, c’est-à-dire évaluée par une équipe médico-sociale à l’aide de la grille AGGIR dont le degré de dépendance est classé dans l’un des groupes 1 à 4. L’état de dépendance partielle GIR 4 a été introduit par la nouvelle loi. Si l’individu remplit ces critères, il peut toucher l’APA quel que soit son revenu. Cependant le montant mensuel perçu dépend du revenu mais aussi de la nature de sa demande si c’est à domicile ou en établissement. De plus l’APA ne fait plus l’objet de récupération ni de son vivant, ni sur la succession, depuis la promulgation de la loi de 2001.  L’APA à domicile :
1000
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{ "title": "2016_0385d80451de5c2ac868eb3227756a80.pdf" }
quantitatives d’impact supplémentaires (QIS4 et QIS5) et spécifiques (LTGA) pour entrer finalement en vigueur au 1er janvier 2016. 1.1. Une architecture à trois piliers La Directive Solvabilité II est construite autour des trois piliers suivants : Figure 1 – Solvabilité II : une architecture à trois piliersLe cadre réglementaire : la Directive Solvabilité II Optimisation de la solvabilité de Swiss Life sous Solvabilité II par des approches ALM sur le fonds euros, en environnement de taux bas 14/155 Le pilier I définit les exigences quantitatives, afin de déterminer les niveaux de capitaux à détenir pour chaque compagnie et de calculer la couverture de cette exigence par les fonds propres éligibles.
10000
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
Un deuxième théorème, le théorème central limite, permet de mesurer l’importance des fluctuations auquel l’assureur fait face en fonction de la taille du portefeuille, lorsque celle-ci est assez grande. En effet, le théorème stipule que, pour des variables indépendantes de même espérance , finie et de même variance , alors on a : Avec étant la répartition d’une loi normale. Pour plus de détails sur ces principes fondateurs de l’assurance, le lecteur est invité à consulter l’article de CHARPENTIER (CHARPENTIER, 2001) qui revisite l’application de ces théories à l’assurance. B. Risque Systématique (risque non mutualisable) Le paragraphe précédent partait du principe que d’une part, la population suivait un profil de
100000
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
physiques, cela revient simplement à répondre aux questions de l’assureur. Pour la collectivité, il s’agit de décrire très précisément le risque qu’elle entend assurer et les circonstances qu’elle connait déjà. Cette description sert de base à l’évaluation des risques. Il est souvent difficile pour une collectivité d’évaluer les risques qu’elle encourt. Les raisons peuvent être diverses et varient considérablement d’une structure à une autre. En fonction de leur patrimoine, de leur implantation géographique (zones inondables, zones urbaines, servitudes d’utilité publique…) ou bien encore de leur personnel, les collectivités ne sont pas sur un pied d’égalité. C’est pourquoi elle se fera très souvent aider par un auditeur
100001
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
indépendant de toute compagnie d’assurance dans la rédaction d’un cahier des charges. Ce cahier des charges préfigure le futur contrat d’assurance. En effet, sauf précisions de l’assureur, c’est le cahier des charges qui fait office de contrat. Le dossier de consultation comporte les conditions générales et les conditions particulières, propres à la collectivité et établies après analyse des risques. Ceci permettra ainsi une couverture optimale de la collectivité qui ne sera pas excessive et qui lui permettra de maîtriser son budget assurance. La collectivité peut s’appuyer sur ses propres statistiques de sinistralité des dernières années et ainsi identifier les points sur lesquels elle doit être vigilante. En cas de récurrence de
100002
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
certains sinistres de faible coût, il peut être envisagé une part d’autoassurance afin de réintroduire une part d’aléa et de réduire les primes versées. A l’inverse, trop augmenter les franchises pourrait déboucher sur une indemnisation à la marge des sinistres. Il conviendra ainsi de déterminer de façon précise dans le cahier des charges les garanties souhaitées et pour quels montants. Ces montants ne doivent pas basculer dans les extrêmes. Ils ne doiventArbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 121 - pas être excessifs (sur-assurance), ce qui entraînerait une augmentation inutile de la cotisation
100003
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
ou la qualification de fraude. Ils ne doivent pas non plus être sous-estimés (sous-assurance), ce qui pourrait causer certaines déconvenues en cas de sinistres. En effet, il existe une règle dite proportionnelle de prime ou de capitaux. Par exemple, il y a application de la règle proportionnelle de capitaux lorsque la valeur assurée est inférieure à la valeur réelle. Dans ce cas, l’assuré n’est indemnisé que dans la proportion du capital assuré par rapport à la valeur réelle (montant des dommages*(valeur assurée/valeur réelle)). Le cahier des charges est généralement communiqué à l’ensemble des assureurs qui sont libres de se porter candidats ou non. Il comporte généralement les éléments suivants. Le recensement du patrimoine de la collectivité
100004
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Le recensement du patrimoine de la collectivité Comme vu précédemment, c’est un point crucial à toute définition des besoins. Etablir un inventaire exhaustif de ses biens apparaît comme une étape indispensable. Sous-évaluer son patrimoine entraînerait une perte financière en cas de sinistre, et à l’inverse, le surévaluer augmenterait inutilement les cotisations. L’évaluation des risques Une évaluation des risques doit être jointe à la consultation lancée par la collectivité. Cette évaluation reprend, entre autres, les activités et autres compétences exercées par la collectivité, le budget, la masse salariale, les bâtiments avec leurs surfaces, la flotte automobile, et ce, afin de permettre à l’assureur d’effectuer une tarification au plus juste.
100005
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
La définition des risques assurés Il s’agit de définir précisément l’objet du contrat (risque incendie, chute de la foudre, bris de glace, risque RC automobile, etc.). Les exclusions de garantie Le contrat d’assurance contient des exclusions de garanties. Ces exclusions constituent les risques non couverts par l’assureur. Elles peuvent être d’origine légale ou conventionnelle.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 122 - C’est à l’assureur, en cas de sinistre, de prouver l’exclusion. Le Code des assurances prévoit des exclusions. En assurances IARD par exemple, la faute intentionnelle ou dolosive de
100006
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
l’assuré, la guerre étrangère, etc. sont exclues. Les montants de garantie La limite contractuelle d’indemnité est le montant, fixé d’un commun accord entre un assuré et son assureur, et mentionné aux conditions particulières, au-delà duquel les dommages assurés résultant d’un événement garanti ne sont plus pris en compte dans le calcul de l’indemnité due par les assureurs au titre du contrat. Au sein de cette limite, le contrat prévoit en général, des sous- limitations : une limite contractuelle à 15 000 000 euros, par exemple, avec une sous-limitation pour le bris des glaces à 50 000 euros. Le montant de garantie correspond à la somme maximale pouvant être perçue par l’assuré dans le cadre d’un sinistre
100007
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
donné. Ce montant peut être stipulé par sinistre, par événement et/ou par année d’assurance. Il est exprimé en euros ou comme un multiple d’un indice de référence. Par exemple, pour l’assurance des biens, le montant de garantie d’un sinistre peut être exprimé comme un multiple de l’indice FFB (Fédération française du bâtiment). La ou les franchises Il existe une franchise dans la plupart des contrats d’assurance. La franchise correspond à la somme qui reste à la charge de l’assuré en cas de réalisation du risque. Ainsi, lorsque le montant du sinistre est inférieur à la franchise, l’assuré se trouve, de façon contractuelle, en autoassurance. La franchise peut s’exprimer par sinistre (à chaque fois que le sinistre se réalise, la franchise
100008
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
est appliquée) ou par année d’assurance (la franchise s’applique une seule fois sur l’ensemble des sinistres d’une année). Par exemple, en assurance de dommages aux biens, la franchise peut être exprimée en montant par sinistre. Dans ce cas, l’assureur n’interviendra qu’au-delà de ce montant. Mais la franchise peut aussi être exprimée en montant cumulé sur une année. Dans ce cas, quel que soit le nombre de sinistres, lorsqu’un certain montant est atteint, l’assureur prend tout ce qui excède ce montant à sa charge.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 123 -
100009
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
- 123 - La franchise peut être absolue ou relative. La franchise absolue est toujours déduite du montant du dommage. La franchise peut s’exprimer en montant ferme, en multiple d’un indice ou en pourcentage de l’indemnité. Une pratique fréquente consiste à prévoir un pourcentage (10 %, 15 % voire 20 %) des dommages à la charge de l’assuré avec un minimum et un maximum par sinistre et/ou par année d’assurance pour les risques les plus coûteux, comme l’incendie, par exemple. La franchise est relative lorsqu’elle n’est déduite que si le montant des dommages lui est inférieur ou égal. Les sinistres inférieurs ou égaux à la franchise ne sont alors pas réglés mais tous ceux qui sont supérieurs à la franchise sont indemnisés.
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
mortalité fixe au cours du temps, et que d’autre part ce profil était connu par l’assureur, même si des fluctuations pouvaient se manifester. Or en réalité, ces points ne sont pas nécessairement vérifiés, engendrant le cas échéant un risque dit systématique pour l’assureur. 1. Risque d’erreur de modèle En rebondissant sur le paragraphe précédent, rien ne garantit que l’assureur ait choisi une table de mortalité coïncidant exactement avec la mortalité de la population assurée. Effectivement, à la date de souscription, il n’a à priori aucune information substantielle sur le profil de mortalité de la population qu’il s’apprête à prendre en charge. Ce risque est mécaniquement non mutualisable, car inhérent à chaque individu assuré : il apparaît de
100010
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Le montant de la franchise permet de ne pas prendre en compte les sinistres peu coûteux, au vu des frais de déclaration et de traitement de dossier, dans le cadre de la sinistralité. Le montant de la franchise devra correspondre à la somme que la collectivité peut verser elle- même en cas de réalisation du sinistre, pour les sinistres très coûteux. Pour les autres, qui se réalisent souvent et qui coûtent moins cher, la collectivité devra prévoir leur réalisation, quasi certaine, dans son budget. Ceci permettra de n’être assuré que sur les risques vraiment aléatoires et coûteux et ainsi, de bénéficier d’un contrat d’assurance au juste prix pour la collectivité. Certaines franchises sont, dans leur principe et dans leur montant, imposées par
100011
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
la loi, pour les catastrophes naturelles, par exemple. La prime Pour s’assurer contre un risque, la collectivité paye une prime/cotisation à l’assureur. Le calcul de cette dernière s’effectue au regard de plusieurs éléments :  le risque assuré (assurance responsabilité, assurance des biens) ;  la sinistralité (l’objet, la fréquence et le coût des sinistres constatés aux cours des quatre ou cinq années précédentes).Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 124 - ANNEXE 3 : Description et qualité des variables explicatives La catégorie juridique (le type de collectivité territorial) Descriptif :
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Descriptif : Nous définissons le type de collectivité grâce à la nomenclature des catégories juridiques. Il s’agit d’un répertoire officiel d'immatriculation des entreprises et des établissements qui a été élaboré sous l'égide du comité interministériel SIRENE®. Cette nomenclature a une vocation inter-administrative. Elle est également utilisée dans la gestion du Registre du Commerce et des Sociétés. En ce qui nous concerne, l’extrême détail de cette table n’apporte rien à la mise en place de notre tarif. Il serait même dangereux d’utiliser ce niveau de précision sachant que certains codes ne concernent que quelques collectivités ce qui s’avèrerait très insuffisant pour l’obtention d’un tarif robuste et fiable. Des regroupements ont donc été nécessaires. Ces
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
regroupements existent déjà et ont été établis sur la base d’une connaissance métier des différents profils de risque et éprouvés depuis une dizaine d’exercices. Deux variables complémentaires sont également utiles.  La première est le code « tranche habitant ». Il nous donne une information sur le nombre d’habitant pour les collectivités qui sont des communes. Cette information est indispensable car les risques pour une petite commune de 500 habitants ne sont en rien comparables à ceux d’une ville comme Marseille par exemple. Nous retiendrons donc 7 tranches de nombres d’habitants pour les catégories juridiques de type « commune ».  La seconde variable concerne les catégories juridiques de type « association ». Elle
100014
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
permet de distinguer les associations qui emploient des salariés, qui sont donc très structurées et plus exposées que les petites associations de quartier (type pétanque ou mots croisés).Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 125 - Les contraintes de souscription nous amènent à utiliser 23 regroupements distincts de collectivités. Elles sont représentées en nombre de contrats sur la Figure 51. Comme mentionné dans la première partie, le nombre de contrats annuels sur la période 2006-2012 s’élève à un peu plus de 66 000 pour les communes de moins de 2 500 habitants contre 74
100015
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
pour les conseils régionaux (« Régions »). Ce constat est tout à fait représentatif du marché global des collectivités et montre bien la difficulté à mettre en place un tarif. Figure 51: Répartition par type de collectivité (23) (période 2006-2012) La Figure 51 apporte une information complémentaire sur les surfaces assurées par regroupement de catégorie juridique. La surface assurée sur la période 2006-2012 est de près de 200 millions de m² pour les HLM (Figure 52) pour 1 500 contrats (figure 51) alors que les communes de moins de 2 500 habitants représentent 80 millions de m² pour 20 000 contrats. 0 2 000 4 000 6 000 8 000 10 000 12 000 14 000 16 000 18 000 20 000Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de
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collectivités. M.PLISSON, B.ROSSARD - 126 - Ces deux graphiques laissent imaginer l’extrême hétérogénéité des patrimoines et donc de l’exposition aux risques des différents types de collectivités. Figure 52 : Surfaces assurées par type de collectivité (23) (période 2006-2012) Qualité de la donnée : Le code catégorie juridique est une donnée globalement bien renseignée lors de l’enregistrement informatique. Des erreurs peuvent subsister car la liste officielle est tellement détaillée qu’il est très laborieux de trouver la bonne catégorie qui est rarement communiquée par la collectivité elle-même. Cependant, ce type d’erreur reste marginal.
100017
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
En outre, deux phénomènes permettent d’atténuer ces risques d’erreur.  Le premier est dû à la compétence du souscripteur. Lors de l’enregistrement du dossier, c’est la catégorie juridique qui va aiguiller le rédacteur du contrat sur le bon tarif. Le souscripteur possède une connaissance des tarifs moyens de chaque 0 20 40 60 80 100 120 140 160 180 200 En millions de m²Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 127 - catégorie. Par conséquent, il est facile pour lui de se rendre compte que la catégorie juridique renseignée n’est pas exacte (un conseil général sous un code commune par exemple).
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
exemple).  Le deuxième apparait au moment des regroupements de catégories. Le regroupement « association » est par exemple, tellement générique (car très détaillé dans la table d’origine), qu’une association loi 1901 qui ne serait pas sur le bon code catégorie juridique finira de toute façon dans la catégorie association. Nous avons donc ici une variable de qualité et qui est de toute façon indispensable car les patrimoines sont très hétérogènes d’une catégorie à l’autre. Elle devrait donc être particulièrement discriminante et influencer fortement le tarif. Le type activité (code activité) Sur le même principe que le code catégorie juridique, il existe une nomenclature d'activités
100019
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Française (code NAF) qui a été élaborée principalement en vue de faciliter l'organisation de l'information économique et sociale et à des fins statistiques. Cette information existe dans notre système d’information et serait d’une grande utilité, principalement pour les catégories telles que les associations ou surtout les syndicats. En effet, les activités des syndicats sont très variées (ordures ménagères, etc.) et orientent donc fortement son exposition au risque. Cette donnée est malheureusement très mal renseignée car sans impact tarifaire actuellement. Nous prévoyons cependant dans un avenir proche de la rendre obligatoire et de la vérifier afin d’affiner le tarif que nous allons mettre en place. Le type de bâtiment Descriptif
10002
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
manière « systématique » à chaque tête assurée, et augmenter la taille du portefeuille serait sans effet. Pour reprendre l’analogie avec le lancer de dé, ce serait par exemple le fait qu’on anticipe que chaque lancer de pièce est équiprobable, alors qu’en réalité la pièce est biaisée. Contrairement au cas précèdent, augmenter dans ce cas le nombre de lancers n’aurait pas d’incidence sur cette erreur d’estimation. L’hétérogénéité peut également, de manière plus subtile, provoquer ce risque. Effectivement, l’assureur peut théoriquement avoir une estimation correcte du risque des assurés se trouvant sur le marché, et faire sa tarification sur cette estimation. Or entre le moment où il effectue cette
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Le type de bâtiment Descriptif Le type de bâtiment est également une variable qui devrait fortement influencer le tarif. En effet, les risques (en fréquence et davantage en coût) sont totalement différents entre uneArbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 128 - église, un immeuble d’habitation ou un bâtiment administratif. Le coût de reconstruction suite à un incendie sera par exemple bien plus élevé pour un monument historique classé que pour un gymnase. La fonction du bâtiment est également déterminante. Un HLM est beaucoup plus
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
consommateur de la garantie « dégât des eaux » du fait du nombre important d’appartements alors que les équipements publics vont davantage être sujets au vandalisme. Les codes dont nous disposons dans nos bases de données sont les suivants : 1 : administration 2 : enseignement 3 : socioculturel 4 : sport 5 : culte 6 : habitation 7 : industrie 8 : sanitaire 9 : ouvrages d’art et de génie civil 10 : autres Comme pour la catégorie juridique, nous présentons ci-dessous la répartition des contrats par type de bâtiment sur la figure 53 puis la répartition des surfaces assurées totales par type de bâtiment sur la figure 54.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
collectivités. M.PLISSON, B.ROSSARD - 129 - Figure 53 : Répartition des contrats par type de bâtiments (période 2006-2012) Figure 54 : Répartition des surfaces assurées totales par type de bâtiment (période 2006-2012) Une première remarque concerne la part « autres ». Elle est relativement importante et occupe près de 25% des types de bâtiments tant en nombre qu’en surface. De plus, en se penchant précisément sur la pertinence de cette variable, nous nous sommes rapidement aperçus qu’elle était inexploitable, même s’il est fort probable que l’administratif et l’habitation (HLM) occupent des parts aussi importantes. Qualité de la donnée :
100023
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Qualité de la donnée : Le fonctionnement par AOP a des conséquences fortes sur l’organisation de la société, dont deux principales pour ce qui nous intéresse. Administratif Autres Habitation 3 5 2 4 7 8 Administratif Habitation Autres 2 3 8 5 7 4Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 130 -  La première contrainte forte provient du fait que la durée d’un contrat suite à la procédure de mise en concurrence est en moyenne de 4 ans. A chaque fin d’exercice, ce sont environ 25% des contrats qui arrivent à terme, ce qui revient à dire que le
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
chiffre d’affaire peut potentiellement chuter de 25% d’un exercice à l’autre.  La deuxième contrainte forte réside dans le fait que 90% de ces contrats sont annuels c’est-à-dire à effet au 1er janvier et que par conséquent les collectivités lancent toutes leurs appels d’offre à peu près au même moment, en général à partir du mois de septembre. Ce mode de fonctionnement implique que le renouvellement du chiffre d’affaire se joue sur 4 mois. L’entreprise a donc tendance à privilégier la réactivité aux appels d’offre afin de sécuriser le chiffre d’affaire de l’exercice suivant. Cette priorité à la réactivité se fait parfois au détriment de la qualité des données recueillies. La variable « type de bâtiment » est affectée
100025
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
par ce type de fonctionnement. La liste des bâtiments est relativement bien saisie pour les petites affaires qui ne passent pas par AOP. En revanche, pour les autres qui ont des patrimoines plus importants, il a été décidé que ce patrimoine serait saisi sur une unique ligne « ensemble du patrimoine » avec sa surface totale associée, dans un but évident de gain de temps. La qualité de la collectivité (le statut de propriétaire) Descriptif : Les collectivités comme les particuliers peuvent être :  locataires (L) de bâtiments appartenant à d’autres structures ;  propriétaires (P) des logements qu’elle loue à ses usagers ou administrés ;  ou tout simplement propriétaires et occupantes (PO) des bâtiments de la mairie dans lesquels travaillent ses salariés.
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
lesquels travaillent ses salariés. Le Code civil rend le locataire responsable des dommages qu’il peut causer au bien du propriétaire. Les risques supportés par un locataire ou un propriétaire occupant sont relativement proches. On s’attend donc à des primes relativement similaires. En revanche, laArbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 131 - prime du propriétaire sera bien moindre car la majeure partie du risque est déjà supportée par le locataire. Il s’agit donc là encore d’une variable essentielle qui devra être intégrée par la suite.
100027
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
la suite. Figure 55 : Répartition du nombre de collectivités en fonction du statut de propriétaire Figure 56 : Répartition de la surface assurée en fonction du statut de propriétaire Les collectivités sont très majoritairement propriétaires et occupantes de leur bâtiment comme le montrent les figures 55 et 56. Elles peuvent être également propriétaires d’autres biens sans notion « d’occupation » comme par exemple des ouvrages d’art ou de génie civil. Dans une moindre mesure, elles peuvent également être locataires de bâtiments appartenant à d’autres entités. Un conseil général peut par exemple mettre des locaux à disposition d’une des communes de la région. 0 10 000 20 000 30 000 40 000 50 000 60 000 70 000 80 000 90 000 L P PO 0 200 400 600 800 1 000 1 200
100028
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
70 000 80 000 90 000 L P PO 0 200 400 600 800 1 000 1 200 1 400 L P PO En millions de m²Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 132 - Qualité de la donnée : Cette donnée sera inexploitable pour les mêmes raisons que celles évoquées sur le type de bâtiment. Le détail des types de bâtiments assurés n’étant pas disponible dans le système informatique, les attributs qui lui sont rattachés (comme la qualité de l’assuré) ne le sont pas non plus. En raison de son importance, ce critère de tarification sera intégré à posteriori. Le produit d’assurance (ou contrat d’assurance)
100029
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Le produit d’assurance (ou contrat d’assurance) Nous entendons par produit, un contrat standard commercialisé pour une cible spécifique. Nous en proposons actuellement 4. Le produit n°1 est à destination des petites collectivités, principalement les communes de moins de 2 500 habitants. Les produits n°2 et 3 s’adressent davantage aux associations respectivement avec salariés (associations gestionnaires) et sans salariés (associations non gestionnaires). Le produit n°4 était à l’origine un contrat standard, mais il sert aujourd’hui de base à l’élaboration des réponses aux AOP. Figure 57 : Répartition du nombre de collectivités par type de contrat 0 10 000 20 000 30 000 40 000 50 000 60 000 70 000 80 000 Produit n°1 Produit n°2 Produit n°3
10003
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
tarification et le moment où les individus souscrivent effectivement à ce contrat, les assurés peuvent procéder à un arbitrage en leur faveur, qui modifierait le profil de risque effectivement pris en charge par l’assureur.81 Théoriquement, on peut considérer que ce risque ne se présente pas à la souscription dans les « articles 83 » car celle-ci est obligatoire à une catégorie objective de salarié. Cependant même dans ce cas théorique, elle peut se présenter à la prorogation comme montré précédemment, du fait du caractère optionnelle de la clause. Un moyen d’estomper en partie ce risque est d’effectuer une tarification prudente en surévaluant le risque moyen, par exemple via une prime de risque supplémentaire. 2. Risque de dérive de mortalité
100030
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
60 000 70 000 80 000 Produit n°1 Produit n°2 Produit n°3 Produit n°4Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 133 - Figure 58 : Répartition de la surface assurée par type de contrat Les figures 57 et 58 montrent que le produit n°4 est clairement le plus représenté aussi bien en nombre qu’en surface assurée puisqu’il est utilisé lors de toutes les réponses aux appels d’offre. Les autres produits sont bien représentés en nombre mais beaucoup moins en surface, car destinés à des structures plus petites. Il est quasi certain que cette variable sera
100031
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
fortement corrélée à la catégorie juridique de l’assuré. Nous la retenons tout même pour l’instant car elle va nous permettre de déterminer les franchises. L’origine de l’affaire (AOP ou non) Nous entendons par origine de l’affaire le fait de savoir si le contrat résulte d’un AOP ou non. Le constat est toujours le même. D’un côté, les petites collectivités (communes de moins de 2 500 habitants et associations) très nombreuses mais n’étant pas soumises à l’obligation de mettre en concurrence les assureurs via un AOP et de l’autre les structures moins nombreuses mais aux patrimoines beaucoup plus importantes (HLM, conseils généraux) qui sont contraintes de passer par une procédure d’AOP, ce que montrent les figures 59 et 60. 0 200 400 600 800 1 000 1 200 1 400 1 600
100032
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
0 200 400 600 800 1 000 1 200 1 400 1 600 Produit n°1 Produit n°2 Produit n°3 Produit n°4 En millions de m²Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 134 - Figure 59 : Répartition du nombre de collectivités en fonction de la procédure d’appel d’offre Figure 60 : Répartition de la surface assurée en fonction de la procédure d’AOP Cette variable est de bonne qualité mais on peut raisonnablement penser qu’elle sera fortement corrélée au type de collectivité. Les franchises Dans le système informatique, les franchises sont renseignées pour quatre garanties
100033
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
uniquement : l’incendie, le dégât des eaux, le vol et la tempête. Elles sont relativement bien renseignées pour les franchises fixes, mais difficilement exploitables pour les autres types de franchise. Pour les petites collectivités, elles ne sont pas renseignées. C’est alors la variable « produits » qui va nous donner l’information. Nous avons également supprimé des bases 0 20 000 40 000 60 000 80 000 100 000 120 000 140 000 AO HAO 0 200 400 600 800 1 000 1 200 1 400 1 600 AO HAO En millions de m²Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 135 -
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
- 135 - toutes les franchises marginales du type franchises annuelles, pour ne nous focaliser que sur les franchises fixes. Figure 61 : Répartition des collectivités par type de franchise Figure 62 : Répartition de la surface assurée par type de franchise Les figures 61 et 62 montrent que ce sont les plus grosses structures qui choisissent les franchises les plus élevées, parfois jusqu’à 15 000€, ce qui semble logique. Après plusieurs essais de modélisation, cette variable donne des résultats surprenants qui n’ont aucune logique assurantielle. Les franchises les plus faibles donnent les tarifs les plus faibles. Une autre solution envisagée aurait été de remettre tous les sinistres de nos bases de
100035
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
données en franchise 0, c’est-à-dire d’ajouter la franchise à chaque sinistre ou celle-ci a été déduite. Malheureusement la franchise appliquée à chaque sinistre n’est pas disponible dans les bases. 0 10 000 20 000 30 000 40 000 50 000 60 000 70 000 80 000 90 000 0 100 200 300 400 500 600 En millions de m²Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 136 - Cette variable ne sera donc pas retenue dans la modélisation. Il sera cependant indispensable de l’ajouter par la suite pour différencier nos tarifs selon les niveaux de franchise. Nous
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
considérerons que le tarif obtenu correspond à une franchise moyenne du portefeuille que nous déclinerons ensuite par tranche à l’aide d’études de distributions des coûts de sinistre. Le zonage des différentes aires urbaines Cette variable est une variable externe dans le sens où elle n’est pas directement disponible dans nos bases de données. L’objectif de ce zonage est de mieux apprécier le risque lié à la situation géographique de la collectivité : rural, périurbain ou urbain. En effet, nous percevons aisément que les risques supportés par les communes très urbanisées sont différents de ceux d’une commune de même taille mais située hors agglomération (on évite d’intégrer une variable qui serait redondante avec la taille de la commune). On pense aux garanties de
100037
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
vol/vandalisme notamment, mais on peut aussi penser que cette variable remplacera plus ou moins le manque de détail du patrimoine assuré. Construction de la table de zonage : Nous sommes partis d’une table disponible sur le site internet de l’INSEE classant les communes (à partir de leur code INSEE) en différentes aires urbaines. Les définitions de l’INSEE sont mentionnées ci-dessous : « Une aire urbaine ou "grande aire urbaine" est un ensemble de communes, d'un seul tenant et sans enclave, constitué par un pôle urbain (unité urbaine) de plus de 10 000 emplois, et par des communes rurales ou unités urbaines (couronne périurbaine) dont au moins 40 % de la population résidente ayant un emploi travaille dans le pôle ou dans des communes attirées par celui-ci.
100038
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celui-ci. Le zonage en aires urbaines 2010 distingue également :Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 137 - - les "moyennes aires", ensemble de communes, d'un seul tenant et sans enclave, constitué par un pôle (unité urbaine) de 5 000 à 10 000 emplois, et par des communes rurales ou unités urbaines dont au moins 40 % de la population résidente ayant un emploi travaille dans le pôle ou dans des communes attirées par celui-ci. - les "petites aires", ensemble de communes, d'un seul tenant et sans enclave, constitué par un pôle (unité urbaine) de 1 500 à 5 000 emplois, et par des communes rurales ou unités urbaines
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
dont au moins 40 % de la population résidente ayant un emploi travaille dans le pôle ou dans des communes attirées par celui-ci. »22 Le nombre de modalités de la variable étant trop importante (9) dans la table INSEE, nous avons préféré en réduire le nombre pour arriver aux 4 suivantes :  zone URBAINE_Niv1 : ( sur la carte ci-dessous, figure 63) : ce sont les communes appartenant à un grand pôle (10 000 emplois ou plus) ;  zone URBAINE_Niv2 : ( sur la carte ci-dessous) : ce sont les communes appartenant à un pôle « aires moyennes » (5 000 à moins de 10 000 emplois) ;  zone PERIURBAINE : ( sur la carte ci-dessous) => ce sont les communes appartenant à la couronne d'un grand pôle ;
10004
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
2. Risque de dérive de mortalité Un autre type de risque peut se matérialiser concernant le comportement plus général de la mortalité du portefeuille. En effet, jusqu’à présent on sous entendait que cette mortalité, connue ou pas, était fixe au cours du temps. Mais des études (CAIRNS, et al., 2004) montrent que le profil de mortalité peut lui-même être aléatoire, ce qui engendre un nouveau risque non systématique : on parle alors de mortalité stochastique. Comme dans le cas précédent, ce risque ne peut pas se mutualiser avec la taille du portefeuille. En reprenant à nouveau l’analogie avec les 100 lancers, ce serait le risque qu’entre deux séries de 100 lancers, les probabilités de tomber sur « face » ou « pile » de la pièce soient déterminées de manière aléatoire.
100040
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
à la couronne d'un grand pôle ;  zone RURAL : ( sur la carte ci-dessous) => ce sont les communes appartenant à un petit pôle (de 1 500 à moins de 5 000 emplois), à la couronne d'un petit ou moyen pôle avec des communes isolées hors influence des pôles. Pour une meilleure visualisation de ces regroupements, nous les avons représentés sur la figure 63. 22 https://www.insee.fr/fr/metadonnees/definition/c2070Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 138 - Figure 63 : Répartition des différentes zones urbaines
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Figure 63 : Répartition des différentes zones urbaines Une autre variable que nous souhaitons prendre en compte est l’activité touristique de la commune. Les stations balnéaires et surtout les stations de ski ont des équipements très spécifiques du type « remontées mécaniques » par exemple, qui suite à une avalanche peuvent se révéler très couteux pour l’assureur tant dans l’indemnisation du bien que dans celles des pertes d’exploitation en pleine période scolaire. Par exemple, la chute du pilonne d’une remontée mécanique peut entraîner un manque à gagner important pour la station deArbitrage entre mutualisation et segmentation : le cas des assurances dommages de
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
collectivités. M.PLISSON, B.ROSSARD - 139 - sport d’hiver. Ces équipements peuvent d’ailleurs appartenir à une commune ou à un syndicat intercommunal. Le site de la Direction Générale des Entreprises (DGE) nous indique si une commune est touristique ou non. Les données et analyses qui suivent s’appuient sur le dispositif statistique national du tourisme, auquel la DGE contribue, en partenariat avec l’INSEE, la Banque de France (balance des paiements) et les partenaires territoriaux. Cette table est représentée sur la figure 64. Figure 64 : Cartographique des lieux touristiquesArbitrage entre mutualisation et segmentation : le cas des assurances dommages de
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
collectivités. M.PLISSON, B.ROSSARD - 140 - Sans surprise, ce sont clairement les zones littorales (sud-ouest notamment) et zones montagneuses (Alpes et Pyrénées) qui ressortent. Cette table sera donc croisée avec la précédente et donne les répartitions illustrées sur les figures 65 et 66. Figure 65 : Répartition des collectivités en fonction des différentes zones urbaines Figure 66 : Répartition de la surface assurée en fonction des différentes zones urbaines Afin de contrôler la représentativité de notre portefeuille, nous vérifions que la répartition des collectivités en fonction des différentes zones urbaines reste très proche de ce que nous
100044
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
pouvons constater sur la France entière (figure 67). 0 5 000 10 000 15 000 20 000 25 000 30 000 35 000 40 000 45 000 50 000 0 100 200 300 400 500 600 700 800 900 1 000 En millions de m²Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 141 - Type de zone urbaine Répartition des collectivités au niveau national Répartition des collectivités assurées par la compagnie URBAIN_niv1 9% 31% URBAIN_niv2 1% 3% PERIURBAIN 44% 36% RURAL 46% 30% Figure 67 : Répartition des collectivités par type de zone urbaine On observe un décalage important concernant la modalité « Urbain_niv1 ». Nous attribuons
100045
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
ce décalage à un phénomène que nous n’avons pas évoqué mais qu’il est important de garder à l’esprit. La répartition nationale est basée uniquement sur les 37 000 communes françaises, donc sur la catégorie juridique « commune ». Or dans notre portefeuille nous avons une multitude d’autres types de collectivités. Si nous prenons l’exemple des conseils régionaux, ces derniers n’apparaissent pas dans la répartition nationale alors que dans notre portefeuille ils sont affectés au code INSEE de la ville dans laquelle se situe le siège. C’est pourquoi toutes ces structures (autres que communes) vont se retrouver dans la modalité « Urbain_niv1 » et c’est ce qui explique en partie ce décalage par rapport à la répartition nationale des
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communes.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 142 - ANNEXE 4 : Quel historique retenir ? Le montant des provisions Il apparaît indispensable de ne pas construire notre tarif sur des exercices récents constitués par des provisions encore très élevées. Un montant de provisions trop élevé nuit à la qualité de la charge de sinistre finale. D’autant plus qu’une autre spécificité de l’assurance des collectivités est la gestion des indemnisations. Pour les garanties de masse telles que le « bris de glace » ou le « dégât des eaux », les déclarations et le paiement du sinistre se font
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
généralement très rapidement. Il existe cependant une quantité non négligeable d’assurés qui devant le nombre élevé de sinistres annuel (parfois plus de 1 000 par an) mentionnent au contrat que les déclarations se feront trimestriellement. Cependant, ceci n’influe guère sur le niveau de provisions car ces sinistres sont en général réglés 6 mois après la clôture de l’exercice. Ce qui modifie davantage le volume de provision est l’incertitude élevée qui pèse sur le montant à indemniser des sinistres graves en incendie. A la différence de l’assurance de particulier, du fait de l’immense diversité des patrimoines, chaque sinistre grave présente des caractéristiques propres. Généralement, les délais d’indemnisation sont très longs pour les raisons suivantes.
100048
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
raisons suivantes. 1. Le bâtiment sinistré doit être expertisé mais la sécurisation de l’accès est parfois laborieuse, et l’expertise, notamment dans le cas de monuments historiques, peut durer plusieurs mois. 2. Face à un sinistre, la collectivité a en général deux options. Soit elle fait reconstruire à l’identique ce qui peut durer parfois plusieurs années et le provisionnement évolue alors jusqu’à l’achèvement des travaux. Soit elle fait reconstruire un autre type de bien (un parking à la place d’un gymnase par exemple) et doit alors lancer des appels d’offre pour trouver les sociétés intéressées. Dans les deux cas, les délais d’indemnisation sont rallongés. 3. Un dernier facteur d’importance est le positionnement du recours. Dans le cas d’un
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
incendie criminel par exemple, la procédure est très longue. Il faut d’abord que le tiersArbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 143 - soit identifié puis jugé responsable et surtout solvable, ce qui peut parfois prendre jusqu’à 5 ans. En juin 2015, les provisions sur la charge de l’exercice 2014 s’élèvent à 50%, à 20% sur 2013 et 5% sur 2012. Nous ne retiendrons donc pas les exercices 2013 et 2014, sachant que 5% en 2012 additionné à des exercices liquidés rajoute peu d’incertitude sur la charge définitive totale. Nous nous arrêterons donc en 2012. La stabilité du portefeuille dans le temps
10005
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
manière aléatoire. C. Formalisation du solde technique et financier Précédemment, il a été étudié la projection du compte du fonds de rente dans différents cas de rentes viagères, mais à chaque fois dans un cadre où les hypothèses économiques et de mortalités fixées ex ante étaient scrupuleusement respectées (projections déterministes). Or en pratique, des écarts se manifestent entre ce qui est anticipé et ce qui est constaté. Néanmoins, l’assureur évalue ses soldes d’ouverture et de fermeture du compte de rente d’un contrat comme s’il n’y avait pas eu d’écarts. Ainsi, ces écarts doivent être comptabilisés pour compenser ces évaluations faites à l’ouverture et à la fermeture : c’est ce que reflète le solde technique et financier, à savoir le résultat du fonds de rente.
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
La stabilité du portefeuille dans le temps Un deuxième élément fondamental pour la qualité du tarif est de disposer d’un historique sur lequel la composition du portefeuille est la plus stable possible. Les figures 68, 69 et 70 nous montrent l’évolution des principales variables explicatives sur la période 2001-2012. Figure 68 : Composition relative par zones urbainesArbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 144 - Figure 69 : Composition relative par type de collectivités Figure 70 : Composition relative par niveau de franchise
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Figure 70 : Composition relative par niveau de franchise La période 2001-2005 correspond au développement du portefeuille qui a été multiplié par 3 sur cette période. C’est d’ailleurs sur ces exercices que l’on constate le plus de disparités. A partir de 2006 on observe une certaine stabilité. En outre, aucune évolution majeure n’est à retenir sur cette période concernant la législation. Pas de fusions de régions ou de départements. La revalorisation s’effectuera à partir de cette longueur d’historique (quatrième partie).Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 145 - La taille de la base de données
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- 145 - La taille de la base de données Le fait de ne retenir que la période 2006-2012 nous permet de disposer de 300 000 sinistres et d’une surface assurée cumulée de 1,6 milliards de m². Cette taille de base de données nous semble suffisante pour établir un tarif significatif.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 146 - ANNEXE 5 : Quelles variables explicatives retenir ? Nous allons donc regarder quelles variables ont un effet significatif sur la fréquence d’abord puis sur le coût moyen ensuite pour chacune de nos quatre garanties à modéliser. Comme il
100053
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
s'agit de savoir si une variable quantitative (notre variable à expliquer : la fréquence) a des valeurs significativement différentes selon les modalités d'une variable qualitative (nos différentes variables explicatives) nous allons procéder à une analyse de la variance (ANOVA) et utiliser le test de Fisher. L’objectif est de déterminer si les variables explicatives ont un effet significatif sur les variables à expliquer ou si la variation de la variable expliquée s’explique par des erreurs aléatoires ui. Dans un deuxième temps nous vérifierons que les variables explicatives retenues dans la première partie sont suffisamment indépendantes. L’ANOVA : Principe et hypothèses Nous voulons démontrer dans cette première partie que nos variables explicatives (la
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catégorie juridique de l’assuré, le produit, la zone…) ont un effet sur la fréquence et le coût moyen espérés des dossiers sinistre. Autrement dit, nous souhaitons comparer la moyenne (variable quantitative) de chacun des échantillons (variable qualitative). Le principe est celui de la décomposition de la variance (intra-classe et interclasse). L’ANOVA utilise le mécanisme du F de Fisher non pas pour comparer deux variances d’échantillons mais bien les deux composantes d’une même variance. Nous retiendrons donc les hypothèses suivantes  H0 : « les moyennes sont égales » ;  contre H1 : « au moins deux moyennes sont différentes ». Les hypothèses préalables à la mise en place d’une ANOVA sont les suivantes :
100055
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
 Normalité et homoscédasticité des échantillons de chaque modalité ;  Indépendance entre les échantillons.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 147 - L’hypothèse de normalité est discutable. Elle n’est cependant pas irréaliste étant donné la taille de chacun des échantillons (au moins 1 000 observations). En effet, le théorème central limite garantit la normalité asymptotique des moyennes empiriques. L’hypothèse d’indépendance de chacun des échantillons semble raisonnable dans la mesure où il s’agit de la garantie incendie, qui n’est pas une garantie type « évènements climatiques »
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
touchant plusieurs bâtiments simultanément. Certes, un incendie peut toujours se propager dans les bâtiments de la mairie et détruire les locaux d’une association hébergée par cette même mairie. Cependant, ces cas de figures sont trop rares pour perturber l’indépendance de nos échantillons. Enfin il reste à vérifier l’homogénéité des variances (homoscédasticité) de chacun des échantillons. Pour cela, nous avons réalisé un test d’homogénéité des variances sous SAS. Les variables explicatives de la fréquence de l’incendie Nous essayons ici de déterminer quels sont les variables explicatives pertinentes. Le type de collectivité a-t-il un effet sur la fréquence ? Nous avons réalisé ce test à l’aide du logiciel SAS en testant les hypothèses présentées
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
précédemment. Ici, la probabilité critique associée au test de Fisher est inférieure à 5% donc nous rejetons H0 avec une probabilité de se tromper < 0.01%. La variable « type de collectivité » est donc retenue.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 148 - La fréquence est donc significativement différente selon la catégorie juridique de la collectivité. Ce résultat semble logique dans la mesure où la fréquence du sinistre incendie est naturellement différente entre une association louant un local et un conseil régional. Le produit a-t-il un effet sur la fréquence ?
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Le produit a-t-il un effet sur la fréquence ? La probabilité critique associée au test de Fisher est inférieure à 5%. Il y a donc une différence significative entre les fréquences de chaque produit. La variable produit est donc retenue dans notre modèle. L’origine de l’affaire (AOP/HAOP) a-t-elle un effet sur la fréquence: Ici, la probabilité critique associée au test de Fisher est supérieure à 5%. Nous ne pouvons donc pas rejeter H0. Cette variable ne semble donc pas exercer d’influence sur la fréquence du sinistre en incendie. La variable « origine de l’affaire » ne sera donc pas intégrée au modèle. Le fait que cette variable n’apporte pas d’information est somme toute logique. En effet, une
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
structure non soumise à la contrainte du Code des marchés publics a le choix entre s’assurer directement ou lancer un AOP, mais le risque sous-jacent reste exactement le même. Le zonage a-t-il un effet sur la fréquence ?Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 149 - La probabilité critique associée au test de Fisher est inférieure à 5%. Il y a donc une différence significative entre les fréquences de chaque zone urbaine. La variable « zonage » est donc à retenir. Ce résultat justifie également le choix d’avoir retenu cette table de zonage et valide
10006
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
résultat du fonds de rente. En particulier, un solde positif suppose que les écarts sont favorables pour l’assureur, menant à un profit : le Code des Assurances impose alors à l’assureur de redistribuer une grande partie de ce profit aux rentiers sous forme de revalorisation de rente. A l’inverse, un solde négatif suppose des écarts défavorables alors comptabilisés comme perte pour le régime : ce solde est alors reporté à l’exercice suivant, dans l’espoir d’être compensé par un profit futur. Si au terme du contrat le solde est toujours négatif, cette perte sera alors au titre de l’assureur du fait de son engagement de couvrir le risque viager. Ces soldes reflètent donc l’état financier du régime, ainsi que la bonne gestion ou non des risques par
100060
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
le fait que la probabilité d’avoir un incendie dans une grande ville n’est pas la même que dans un petit village du fait d’un environnement totalement différent : délinquance, centre de secours plus proche, etc. Les variables explicatives du coût moyen de l’incendie Le type de collectivité a-t-il un effet sur le coût moyen ? La probabilité critique associée au test de Fisher est inférieure à 5%. Il y a donc une différence significative entre les coûts moyens de chaque type de collectivité. La variable « type de collectivité » est donc à retenir. Là encore, ce résultat semble naturel tant le coût de l’incendie d’une église est différent de celui d’un gymnase. Le produit a-t-il un effet sur le coût moyen ?
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Le produit a-t-il un effet sur le coût moyen ? La probabilité critique associée au test de Fisher est supérieure à 5%. Les coûts moyens ne sont pas significativement différents d’un produit à l’autre. Cette variable n’est donc pas à retenir.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 150 - L’origine de l’affaire (AOP/HAOP) a-t-elle un effet sur le coût moyen ? La probabilité critique associée au test de Fisher est inférieure à 5%. Les coûts moyens sont significativement différents selon qu’il s’agit d’un AOP ou non. Cette variable est donc à retenir. Le zonage a-t-il un effet sur le coût moyen ?
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Le zonage a-t-il un effet sur le coût moyen ? La probabilité critique associée au test de Fisher est nettement inférieure à 5%. Les coûts moyens sont significativement différents selon la zone du bâtiment. Cette variable est donc à retenir. Les variables retenues Les différents tests réalisés suggèrent de retenir pour la garantie incendie :  le type de collectivité, le produit et le zonage pour la fréquence ;  le type de collectivité, l’origine et le zonage pour le coût moyen. Ces mêmes tests ont été réalisés sur les 3 autres garanties à modéliser. Les résultats sont tous équivalents aux précédents. Nous retiendrons donc à ce stade de l’étude et pour l’ensemble des garanties :
100063
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
des garanties :  le type de collectivité, le produit et le zonage pour la fréquence ;Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 151 -  le type de collectivité, l’origine et le zonage pour le coût moyen. Corrélation entre variables explicatives Il convient maintenant d’étudier l’indépendance de nos variables explicatives. Nous étudions ici le lien statistique entre plusieurs variables qualitatives prises deux à deux. Nous utiliserons pour cela le V de Cramer qui a l’avantage par rapport au test du χ² d’être normalisé entre 0 et 1. Sa formule s’écrit de la manière suivante : ܸ ൌ ඨ ߯² ߯²݉ܽݔ ൌ ඨ ߯²
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
ܸ ൌ ඨ ߯² ߯²݉ܽݔ ൌ ඨ ߯² ݊ ∗ ሾminሺ݈, ܿሻ െ 1ሿ Avec :  n : effectif total ;  l et c : respectivement nombre de lignes et de colonnes du tableau de contingence.  Les hypothèses d’application de ce test sont les mêmes que celles du khi-deux à savoir :  indépendance des observations ;  les fréquences attendues (espérées) ne doivent pas être petites ;  toutes les réponses doivent être incluses dans le tableau, pour prendre en considération toutes les variables. Ces hypothèses, peu contraignantes en général, sont entièrement remplies dans notre cas. L’indépendance des observations est acquise pour les mêmes raisons que pour l’ANOVA et le grand nombre d’observations fait qu’aucune fréquence attendue n’est trop petite.
100065
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Nous rappelons également que plus V est proche de zéro, plus il y a indépendance entre les deux variables étudiées. Il vaut 1 en cas de complète dépendance puisque le χ² est alors égal au χ² max. Nous nous appuierons sur l’échelle suivante pour l’arbitrage de nos résultats présentée dans la figure 71.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 152 - Figure 71 : Echelle des niveaux de corrélation Nous avons donc, pour chacune des quatre garanties, réalisé le test de Cramer sur chacune des variables explicatives prises deux à deux. Ces résultats sont présentés sous forme synthétiques dans la figure 72.
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
synthétiques dans la figure 72. Figure 72 : Synthèse des corrélations entre variables par garantie Les résultats sont très similaires pour l’ensemble des garanties. Les résultats de la figure 72 indiquent que les variables « types de collectivité » et « produit » sont fortement corrélées. Cette conclusion est logique car le produit dépend de la catégorie juridique. Il existe notamment un produit pour les associations et un pour les communes de moins de 2 500 habitants. Cette variable ne peut être que corrélée au type de sociétaire. Concernant l’origine Valeur Force du lien statistique 0 Absence de relation Entre 0,05 et 0,10 Très faible Entre 0,10 et 0,20 Faible Entre 0,20 et 0,40 Modérée Entre 0,40 et 0,80 Forte Entre 0.80 et 1 Quasi colinéarité Garantie INCENDIE
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Forte Entre 0.80 et 1 Quasi colinéarité Garantie INCENDIE Type collectivité Origine Produit Zonage Type collectivité Origine 0.63 Produit 0.82 0.38 Zonage 0.28 0.28 0.30 Garantie DEGAT DES EAUX Type collectivité Origine Produit Zonage Type collectivité Origine 0.70 Produit 0.83 0.31 Zonage 0.34 0.25 0.18 Garantie BRIS DE GLACE Type collectivité Origine Produit Zonage Type collectivité Origine 0.64 Produit 0.85 0.28 Zonage 0.27 0.31 0.25 Garantie VOL/VANDA LISME Type collectivité Origine Produit Zonage Type collectivité Origine 0.68 Produit 0.89 0.26 Zonage 0.21 0.33 0.28Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
- 153 - de l’affaire (AOP ou HAOP), la remarque est semblable. Ce sont en effet les plus grosses structures (conseils généraux, régionaux….) qui sont contraintes de lancer une consultation alors que les plus petites (communes de moins de 2 500 habitants ou association) ne le sont pas. L’analyse statistique menée dans cette annexe nous a montré que sur l’ensemble des variables disponibles, peu présentent les qualités suffisantes pour pouvoir être prises en compte dans la construction du tarif. D’un autre côté, compte tenu de l’extrême hétérogénéité de l’assurance des collectivités par rapport à celle des particuliers, il faut être conscient que construire un tarif suffisamment segmenté pour répondre à l’ensemble des cas possibles
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
nécessiterait un nombre bien trop important de variables explicatives. En poussant ce raisonnement à l’extrême, ce nombre de variables pourrait être proche du nombre d’assurés potentiels, ce qui serait aberrant. Ce sont ces considérations qui nous ont naturellement amenés à utiliser la théorie de la crédibilité pour remplacer les variables explicatives manquantes (voire inexistantes) par l’expérience propre de chaque assuré.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 154 - ANNEXE 6 : Validation du tarif GLM Cette annexe présente les différents tests qui ont pu être menés pour nous assurer de la
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
l’assureur : une bonne gestion est implicitement équivalente à des comptes équilibrés, c'est-à-dire avec des résultats proches de zéro en moyenne, sans grosse variabilité. Il est proposé dans cette section de s‘appuyer sur les relations de récurrence établies précédemment pour formaliser l’évaluation des soldes techniques et financiers.82 Ces éléments serviront directement pour l’application numérique du cas pratique, consistant justement à projeter les résultats d’un fonds de rente. 1. Dans le cas d’une Rente Viagère Immédiate On considère le cas simplifié du fonds de rente d’une rente viagère immédiate telle qu’étudiée précédemment, en tenant compte cette fois ci du fait que la mortalité réelle ne coïncide pas avec l’anticipé.
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
qualité et de la robustesse du tarif obtenu par la modélisation GLM. La première partie est une approche générale qui vise à valider le modèle sur une base de validation d’abord puis sur le portefeuille dans sa globalité sur deux exercices consécutifs. La deuxième partie teste la robustesse du tarif, c’est-à-dire sur la sensibilité du tarif aux différents paramètres/arbitrages qui ont été effectués tout au long de cette étude. Nous rappelons que notre approche a consisté à modéliser un tarif par GLM sur une base de données que nous avons nommée « base d’apprentissage » et qui représentait 60% de notre échantillon global. Cette sélection a été faite de façon purement aléatoire. Les 40% restants
100071
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
représentent la « base de validation ». Cette approche est utile, quand la taille de l’échantillon le permet, pour vérifier que les paramètres obtenus dans la modélisation GLM ne sont pas sensibles à l’échantillon retenu. Dans un souci permanent de vérification de notre modèle, nous ne nous sommes pas contentés d’utiliser cette « base de validation ». Nous avons également appliqué notre modèle sur la « base d’apprentissage ». Cet exercice peut paraitre trivial mais dont nous voulions nous assurer du résultat. Nous avons donc comparé les nombres de sinistres et charges réels et estimé le tarif sur chacune des deux bases, au global
100072
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
et par type de collectivités. Les résultats sont présentés sur la figure 73.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 155 - Figure 73 : Comparaison entre base d’apprentissage et base de validation Les résultats obtenus à partir de la « base d’apprentissage » sont très satisfaisants. Aucun écart important n’est à constater au global (en nombre de sinistres et en charge). Ceci nous conforte sur les options retenues et l’absence d’éventuelles erreurs sur la mise en place du modèle. Sur la « base de validation », le modèle est globalement bien ajusté aux données
100073
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
(entre 2% et 3% d’écart entre le réel et l’estimation). En revanche, en regardant les résultats par types de collectivités, nous observons des disparités plus importantes. Les écarts les plus importants s’observent sur les types de collectivités ayant peu d’observations (par exemple : CCI +355% avec seulement 60 observations) mais également sur les types de structure les plus importants (conseils généraux et régionaux, villes de plus de 40 000 habitants). Ce phénomène s’explique par le fait que les structures les plus importantes ont leur propre comportement, avec une sinistralité importante et récurrente et des programmes d’assurance souvent bien spécifiques. Elles ne correspondent donc pas à un comportement standard que modélise une
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
approche GLM. Ces tarifs seront tout de même conservés, car c’est justement dans ces cas précis que l’approche du tarif par la théorie de la crédibilité prend tout son sens. Cette Type de collectivité Nombre d'observations Ecart nombre Ecart charge Nombre d'observations Ecart nombre Ecart charge Association gest 9350 0% 4% 6259 9% 10% Association non gest 3742 0% 5% 2535 11% 114% Autres collectivites publiques 1676 0% 0% 1044 -6% 59% CCAS 1360 0% 1% 904 15% 94% CCI 94 0% 0% 60 137% 355% Communautes d agglomeration 706 0% 0% 474 14% 1% Communautes de communes 3362 0% -1% 2204 6% 13% Communautes urbaines 78 2% 2% 55 -9% 158% Commune 7 000 / 15 000 hab 2110 -1% 0% 1368 3% 0% Communes - 2 500 hab 39697 0% 0% 26588 -2% 8% Communes 15 000 / 40 000 Hab 1022 0% 0% 632 -6% -4%
100075
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
-2% 8% Communes 15 000 / 40 000 Hab 1022 0% 0% 632 -6% -4% Communes 2 500 / 5 000 hab 7585 1% 0% 5155 -2% -12% Communes 40 000 / 100 000 hab 303 0% 0% 202 -17% -30% Communes 5 000 / 7 000 hab 1944 0% 2% 1330 1% 33% Communes de plus de 100 000 hab 65 0% 0% 26 34% -40% Departements 282 0% 0% 203 41% 1% HLM 898 0% 0% 560 4% 11% Marche des entreprises 953 1% 0% 636 4% 10% Personnes morales de droit Prive 534 0% 18% 379 23% -58% Regions 47 0% 0% 27 4% -26% SDIS 86 0% -1% 64 -1% -6% Structures hospitalieres 899 0% 1% 618 15% 11% Syndicats 3012 1% 1% 1953 -10% -41% Global 79805 0% 0% 53276 2% 3% Base d'apprentissage Base de validationArbitrage entre mutualisation et segmentation : le cas des assurances dommages de
100076
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
collectivités. M.PLISSON, B.ROSSARD - 156 - première validation nous conforte donc sur la modélisation GLM. Cependant, les écarts parfois importants montrent qu’un GLM seul n’est pas adapté à ce type de portefeuille. La deuxième étape de validation consiste en un back-testing dont le but est de voir dans quelle mesure le tarif généré par le modèle GLM diffère des tarifs actuellement proposés par la société d’assurance. Plus précisément, nous allons d’abord regarder les écarts entre les cotisations théoriques résultant du modèle et les cotisations réellement appelées sur plusieurs exercices. Nous regarderons ensuite plus en détail la distribution des écarts par assuré.
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
assuré. Afin de valider notre tarif dans sa globalité, nous l’avons donc appliqué sur l’ensemble de notre base de données agrémentée des données 2010 à 2014. Les résultats de cette étude sont présentés dans le tableau suivant par type de collectivité (figure 74). Figure 74 : Comparatif tarif théorique / réel. Globalement, les tarifs générés par l’approche GLM sont globalement supérieurs de 22% aux prix de l’ensemble des affaires déjà en portefeuille. Nous précisons ici que la vision portefeuille n’est absolument pas le reflet d’une quelconque politique tarifaire à un moment donné. En Exercices 2010 à 2014 Ecart TARIF S/C réel S/C théorique Association gest 1,06 74% 69% Association non gest 1,19 68% 57% Communautes urbaines 0,53 84% 158% Commune 7 000 / 15 000 hab 1,71 113%
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
0,53 84% 158% Commune 7 000 / 15 000 hab 1,71 113% 66% Communes - 2 500 hab 1,22 85% 70% Communes 15 000 / 40 000 Hab 1,36 77% 57% Communes 2 500 / 5 000 hab 1,49 85% 58% Departements 1,06 70% 66% HLM 1,11 74% 66% Marche des entreprises 1,25 147% 117% Personnes morales de droit Prive 0,79 62% 78% Regions 0,77 62% 80% SDIS 1,63 78% 48% Structures hospitalieres 0,94 73% 78% Syndicats 1,23 83% 67% Total général 1,22 79% 64% ….Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 157 - effet, le comportement d’une collectivité face à son contrat d’assurance est très éloigné de
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
celui d’un particulier. Elle ne cherche pas systématiquement à renouveler son contrat annuellement pour souscrire un contrat moins onéreux. Elle cherche plutôt la stabilité du fait de procédures parfois lourdes et couteuses. Les tarifs pratiqués sont donc le résultat d’un ensemble de politiques tarifaires successives, souvent représentatives des évolutions du marché et qui subissent ensuite des hausses indiciaires voire même des hausses au-delà de l’indice. Le but de ce contrôle n’est donc pas de vérifier que le tarif GLM est en adéquation avec la politique tarifaire en vigueur au moment de l’étude mais bien de montrer que le tarif théorique permet l’équilibre technique du portefeuille. C’est pour cette raison que nous avons
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{ "title": "2016_3090fc160532a2ee243c3ca4be83d406.pdf" }
l’anticipé. On rappelle qu’on étudiait une rente , évaluée de manière actuariellement neutre, servie à une population fictive, au cours de chaque période. On s’intéresse ici à l’établissement de ce compte sur une année d’exercice comptable , entre le 01/01/T (à l’ouverture) et 31/12/T (à la fermeture). En particulier, la population est âgée de ans à l’ouverture, où elle est composée de rentiers, et âgée de ans à la fermeture, où elle est composée de rentiers. On se situe dans un cadre simplifié, où chaque individu bénéficie du même niveau de rente, versée annuellement, et où on ne considère pas de frais, ni d’options spécifiques (pas de réversion etc.). Ainsi à l’ouverture, le solde du compte est le montant réglementaire des provisions mathématiques :
100080
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
ajouté deux colonnes supplémentaires, mettant en évidence les ratios sinistres sur cotisations (S/C). Ces ratios nous éclairent sur l’équilibre technique du portefeuille. Sans ces ratios il serait impossible de juger si la hausse de 22% est justifiée ou non. Globalement, du fait des coûts de réassurance et de frais d’acquisition et d’administration, la hausse de 22% est tout à fait logique et correspond à la réalité technique. Il nous faut maintenant regarder les résultats par type de collectivité. Ceux-ci peuvent paraitre beaucoup plus disparates à première vue. C’est pourquoi il est important de préciser deux points. En premier lieu, un fort écart de tarif peut s’expliquer par un ratio sinistre sur cotisations
100081
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
dégradé. C’est le cas le plus simple qui concerne par exemple les communes de moins de 2 500 habitants, les départements ou les HLM. L’autre élément qui est à prendre en compte est la répartition de la mutualisation qui explique des résultats qui peuvent paraître surprenants. Par exemple, pour le marché des entreprises, la hausse de 25% du tarif ne semble pas suffisante pour atteindre un certain équilibre. La raison est qu’un unique dossier important a eu lieu sur cette période et dégrade le résultat. En réalité, ce constat est plutôt rassurant car il signifie que les répartitions que nous avons effectuées sur les dossiers importants ont permis de ne pas polluer le GLM et donc de véritablement étaler celles-ci sur l’ensemble du
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portefeuille. La raison est la même lorsque le constat est inverse : pour les conseils régionaux par exemple, le tarif diminue de 23% ce qui fait passer le S/C de 62% à 80%. Ceci s’explique parce qu’il y a eu proportionnellement plus de dossiers importants sur cette courte période que sur l’historique sur lequel ont été calculés les tarifs GLM.Arbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 158 - Nous pouvons maintenant analyser la distribution des écarts à un niveau plus fin c’est-à-dire contrat par contrat (figure 75). Figure 75 : Comparatif ancien et nouveau tarif.
100083
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
Figure 75 : Comparatif ancien et nouveau tarif. La distribution est plutôt symétrique et centrée autour de 1. En revanche, elle est relativement étalée. De nombreux risques présentent des écarts de plus ou moins 40%. Globalement, le nouveau tarif semble donc valide. Il nous permet d’atteindre l’équilibre. La validation individuelle du tarif, c’est-à-dire par risque ou collectivité, fait l’objet d’une campagne de recette réalisée par les métiers. Il convient maintenant de s’intéresser à la robustesse du nouveau tarif. Autrement dit, dans quelle mesure les différents paramètres estimés sont sensibles aux différentes hypothèses retenues. 0 5 000 10 000 15 000 20 000 25 000 30 000 35 000
100084
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
0 5 000 10 000 15 000 20 000 25 000 30 000 35 000 0 0,1 0,2 0,3 0,4 0,5 0,6 0,7 0,8 0,9 1 1,1 1,2 1,3 1,4 1,5 1,6 1,7 1,8 1,9 2 2,1 2,2 2,3 2,4 2,5 2,6 2,7 2,8 2,9 3 3,1 3,2 3,3 3,4 3,5 3,6 3,7 3,8 3,9 4 Fréquence Ratio Théorique / Réel Ratio Tarif théorique/Tarif réel par contratArbitrage entre mutualisation et segmentation : le cas des assurances dommages de collectivités. M.PLISSON, B.ROSSARD - 159 - ANNEXE 7 : Tests de sensibilité sur différents paramètres En complément de la validation précédente, nous allons maintenant étudier la sensibilité du modèle aux différentes hypothèses. Cette partie est très importante car elle permet de vérifier
100085
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{ "title": "2017_7ea3881ad2d52a732ed5adbd24860856.pdf" }
que les hypothèses retenues ne remettent pas en cause la pertinence du modèle final. Sensibilité aux sous périodes Ce test répond aux fortes évolutions qu’a connues le portefeuille entre 2001 et 2012. L’objectif est de refaire l’ensemble de la modélisation GLM sur des bases d’apprentissage différentes (ici 2001-2009 puis 2001-2004 enfin 2005-2009) puis d’appliquer nos trois jeux de résultats sur la période 2010-2012 pour en mesurer les écarts avec les charges sinistre réelles. Les résultats sont présentés sur le tableau suivant (figure 76) pour la garantie Incendie. Figure 76 : Sensibilité aux sous-périodes retenues pour le calibrage du modèle. Dans l’ensemble des scénarios, nous nous apercevons que le modèle surestime la charge