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Le modèle mutualiste dispose des atouts pour concilier performance et mieux commun

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  • Pascal Demurger

Abstract

This article recalls the specificities of mutual insurers and the reasons for their success, which is largely due to a very strong customer culture deployed within the framework of an original governance model based on the customer / member relationship. While this model does not completely protect mutual societies from financial crises, the long-term focus allows it to decide out of financial markets pressure. Faced with the challenges posed by regulation and the appearance of TechFins, it is important for mutual insurers to maintain a size that provides great agility. The mutualist model in line the expectations of today's and tomorrow's society has serious advantages for the future. Classification JEL : G22, G32, M14, P13.

Suggested Citation

  • Pascal Demurger, 2019. "Le modèle mutualiste dispose des atouts pour concilier performance et mieux commun," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 291-293.
    • Handle: RePEc:cai:refaef:ecofi_134_0291
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    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • 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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