{"id":4053,"date":"2021-06-05T11:35:57","date_gmt":"2021-06-05T11:35:57","guid":{"rendered":"https:\/\/detralytics.com\/?p=4053"},"modified":"2026-08-21T13:31:30","modified_gmt":"2026-08-21T13:31:30","slug":"tarification-dexperience-sur-statistiques-sinistres-ecretees","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publication\/tarification-dexperience-sur-statistiques-sinistres-ecretees\/","title":{"rendered":"Tarification d’exp\u00e9rience sur statistiques sinistres \u00e9cr\u00eat\u00e9es"},"content":{"rendered":"
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Tarification d'exp\u00e9rience sur statistiques sinistres \u00e9cr\u00eat\u00e9es<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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DetraNote 2021-3<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Introduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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La th\u00e9orie de la cr\u00e9dibilit\u00e9 est principalement utilis\u00e9e dans le cadre de la tarification des contrats d’assurance accidents du travail ou responsabilit\u00e9 civile B2B. La pr\u00e9sence de grands sinistres pose cependant un probl\u00e8me en pratique, causant une brusque augmentation de la prime lors de leur survenance et menant \u00e0 une sous-estimation des facteurs de cr\u00e9dibilit\u00e9. Cette note fournit un mod\u00e8le technique objectivant cette analyse ainsi qu\u2019une \u00e9tude de cas sur un portefeuille d\u2019assurance responsabilit\u00e9 civile B2B.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Secteur : <\/b>Assurance<\/p>

<\/b>Expertise: <\/b>Tarification<\/p>

Auteurs :<\/b> Carole Bettonville,<\/p>

Michel Denuit, Florent Dubus et<\/p>

Julien Trufin<\/p>

\u00c9diteur :<\/b> Detralytics<\/p>

Date:<\/b> June 2021<\/p>

Langue :<\/b> French<\/p>

Pages:<\/b> 21<\/p>

R\u00e9f\u00e9rence :<\/b> Detra Note 2021-3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u00c0 propos des auteurs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Caroline Bettonville<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Carole est Experte Freelance chez Detralytics. Au cours de ses diff\u00e9rentes missions, elle a travaill\u00e9 sur divers sujets tels que la calibration de mod\u00e8les de taux de rachat et de mortalit\u00e9, ainsi que sur un projet dans le cadre d\u2019IFRS 17 visant \u00e0 identifier une cl\u00e9 d\u2019allocation Best Estimate bas\u00e9e sur certaines caract\u00e9ristiques de sinistres. Avant de rejoindre Detralytics, Carole a effectu\u00e9 un stage chez AXA Belgium.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Michel\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Michel Denuit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Michel est conseiller scientifique chez Detralytics, ainsi que professeur en sciences actuarielles \u00e0 l\u2019Universit\u00e9 catholique de Louvain. Il dispose d\u2019une exp\u00e9rience internationale en tant que professeur invit\u00e9 et a men\u00e9 de nombreux projets en collaboration avec l\u2019industrie. Chez Detralytics, Michel accompagne les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Florent Dubus<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Florent used to work at Detralytics as an actuarial consultant. He now works as an actuarial function & risk management analyst at Yuzzu.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Julien\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Julien Trufin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Julien est Scientific Advisor chez Detralytics et Professeur en sciences actuarielles au sein du d\u00e9partement de math\u00e9matiques de l\u2019Universit\u00e9 Libre de Bruxelles. Il poss\u00e8de une exp\u00e9rience en tant que consultant et un solide parcours acad\u00e9mique d\u00e9velopp\u00e9 au sein d\u2019institutions de renom, dont l\u2019Universit\u00e9 Laval (Canada), l\u2019UCL et l\u2019ULB (Belgique). Chez Detralytics, Julien encadre les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tAll Publications<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

This article proposes an alternative to standard pricing methods based on physics-inspired neural networks (PINNs)…<\/p>","protected":false},"author":1,"featured_media":4058,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[133],"tags":[],"class_list":["post-4053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publication"],"yoast_head":"\nDetra Note : Tarification d'exp\u00e9rience<\/title>\n<meta name=\"description\" content=\"Cette note fournit un mod\u00e8le technique objectivant cette analyse ainsi qu\u2019une \u00e9tude de cas sur un portefeuille d\u2019assurance responsabilit\u00e9 civile B2B.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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