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Quel avenir pour les mutuelles et les paritaires dans l'assurance ?

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  • François-Xavier Albouy

Abstract

Non for profit insurance companies as mutual organisations or ?paritary? organisations managed by workers and employers unions is often referred as the cornerstone of the European Welfare system and esp. in France. Since 30 years, non for profit insurance organisations have made huge efforts to comply with new solvency rules, competition rules and fiscal harmonisation. Meanwhile the development of Social security systems organised by the State has entered in direct competition with them and often prevented them from further development. Today it is hard to see the difference between an insurance company and a mutual organisation in their products, rates, solvency and if they want to exist not only as a curiosity. Is it a curiosity inherited from the social history? Or is it the future of solidarity? In the Museum of Finance, they should define a strategic vision in order to pursue a proactive development. Classification JEL : G22, G28, L21, M14, P13.

Suggested Citation

  • François-Xavier Albouy, 2019. "Quel avenir pour les mutuelles et les paritaires dans l'assurance ?," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 281-290.
    • Handle: RePEc:cai:refaef:ecofi_134_0281
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    More about this item

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • L21 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Business Objectives of the Firm
    • M14 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - Corporate Culture; Diversity; Social Responsibility
    • P13 - Political Economy and Comparative Economic Systems - - Capitalist Economies - - - Cooperative Enterprises

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