{"id":82951,"date":"2024-01-12T20:01:37","date_gmt":"2024-01-12T20:01:37","guid":{"rendered":"https:\/\/www.africa-press.net\/congo-kinshasa\/politique\/en-rdc-le-taux-de-penetration-des-assurances-est-de-046"},"modified":"2024-01-12T20:41:58","modified_gmt":"2024-01-12T20:41:58","slug":"en-rdc-le-taux-de-penetration-des-assurances-est-de-046","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/congo-kinshasa\/economie\/en-rdc-le-taux-de-penetration-des-assurances-est-de-046","title":{"rendered":"En RDC, le Taux de Pe\u0301ne\u0301tration des Assurances Est de 0,46 %"},"content":{"rendered":"

Africa-Press – Congo Kinshasa. <\/strong><\/span>Depuis plusieurs de\u0301cennies, le secteur des assurances e\u0301tait le monopole de l\u2019E\u0301tat en RDC. Ainsi, le pays ne de\u0301tenait qu\u2019une seule entreprise qui prenait en charge les assurances. Mais depuis 2015, ce secteur a e\u0301te\u0301 libe\u0301ralise\u0301. Toutefois, le taux de pe\u0301ne\u0301tration reste faible. Selon la Banque centrale du Congo, le taux de pe\u0301ne\u0301tration a atteint de 0,46 % en 2022.<\/b><\/p>\n

Ce taux, bien que faible, est en hausse. Car il a connu une e\u0301volution depuis 2019. Au cours de cette anne\u0301e, il e\u0301tait de 0,39 %. Ainsi, entre 2019 et 2022, l\u2019on note une e\u0301volution de 0,7 points. Quant a\u0300 la densite\u0301 qui mesure la consommation des produits d\u2019assurance par habitant, elle est passe\u0301e d\u2019USD 2,34 a\u0300 USD 3,07.<\/p>\n

Me\u0302me si le secteur a e\u0301te\u0301 libe\u0301ralise\u0301 en 2015, cependant, les premiers agre\u0301ments aux nouveaux ope\u0301rateurs d\u2019assurances n\u2019ont e\u0301te\u0301 accorde\u0301s qu\u2019en mars 2019 apre\u0300s la cre\u0301ation de l\u2019Autorite\u0301 de re\u0301gulation et de contro\u0302le des assurances (ARCA). Selon la strate\u0301gie nationale d\u2019inclusion financie\u0300re, au 31 de\u0301cembre 2022, le secteur des assurances comptait 41 ope\u0301rateurs d\u2019assurances. L\u2019on note 10 entreprises d\u2019assurances, 29 interme\u0301diaires d\u2019assurances et 2 entreprises de re\u0301assurances re\u0301gionales.<\/p>\n

Une croissance de 32 %<\/b><\/p>\n

Il faut dire que ce secteur est domine\u0301 par la branche Non-vie. Cette branche comprend les assurances (incendie, accidents et risques divers). Car, sur les 10 entreprises d\u2019assurance, 7 sont consacre\u0301es a\u0300 la branche non vie. Seules trois socie\u0301te\u0301s interviennent dans l\u2019assurance vie. Selon ce document du ministe\u0300re des finances, \u201dle marche\u0301 des assurances congolaises sont en progression. Ainsi, ce secteur connait un taux de croissance de 3,52 %. En 2022, le chiffre d\u2019affaires e\u0301tait de USD 291,8 millions contre USD 215,8 millions l\u2019anne\u0301e pre\u0301ce\u0301dente, en 2021.<\/p>\n

Il faut noter qu\u2019en RDC, le secteur des assurances vie a connu une e\u0301volution exponentielle. Entre 2020 et 2021, l\u2019on note une e\u0301volution du chiffre d\u2019affaires de 480 %. Et entre 2021 et 2022, une croissance de 6 %. Quant aux assurances non vie, il y a eu une augmentation de 51 % entre 2020 et 2021 et de 34 % entre 2021 et 2022.<\/p>\n

Malgre\u0301 ce taux de croissance, le taux de pe\u0301ne\u0301tration est encore faible en RDC.<\/p>\n

Pour plus d’informations et d’analyses sur la Congo Kinshasa<\/a>, suivez Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Congo Kinshasa. Depuis plusieurs de\u0301cennies, le secteur des assurances e\u0301tait le monopole de l\u2019E\u0301tat en RDC. Ainsi, le pays ne de\u0301tenait qu\u2019une seule entreprise qui prenait en charge les assurances. Mais depuis 2015, ce secteur a e\u0301te\u0301 libe\u0301ralise\u0301. Toutefois, le taux de pe\u0301ne\u0301tration reste faible. Selon la Banque centrale du Congo, le taux […]<\/p>\n","protected":false},"author":82,"featured_media":82950,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,10],"tags":[36,47,46],"class_list":["post-82951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-toutes-les-actualites","tag-africa-press","tag-africa-press-congo-kinshasa","tag-congo-kinshasa"],"yoast_head":"\nEn RDC, le Taux de Pe\u0301ne\u0301tration des Assurances Est de 0,46 % - Congo-kinshasa<\/title>\n<meta name=\"description\" content=\"Depuis plusieurs de\u0301cennies, le secteur des assurances e\u0301tait le monopole de l\u2019E\u0301tat en RDC. 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