{"id":4096,"date":"2019-11-04T12:31:12","date_gmt":"2019-11-04T12:31:12","guid":{"rendered":"https:\/\/detralytics.com\/?p=4096"},"modified":"2026-06-22T14:51:43","modified_gmt":"2026-06-22T14:51:43","slug":"calcul-de-la-valeur-de-conversion-de-lusufruit","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publications\/calcul-de-la-valeur-de-conversion-de-lusufruit\/","title":{"rendered":"Calcul de la valeur de conversion de l’usufruit"},"content":{"rendered":"
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Calcul de la valeur de conversion de l'usufruit<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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DetraNote 2019-3<\/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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L\u2019analyse de Denuit et Trufin a permis de mettre en lumi\u00e8re l\u2019impossibilit\u00e9 d\u2019appliquer les calculs actuariels bas\u00e9s sur la loi des grands nombres \u00e0 une op\u00e9ration par essence unique comme celle de la conversion de l\u2019usufruit. Dans la lign\u00e9e de cette \u00e9tude, nous proposons ici une m\u00e9thode simple et \u00e9conomiquement justifi\u00e9e permettant d\u2019\u00e9valuer les droits viagers, au premier rang desquels figure l\u2019usufruit. L\u2019argument consiste \u00e0 rapprocher les droits des parties de produits d\u2019assurance disponibles sur le march\u00e9, puis d\u2019utiliser les prix minimaux tels que d\u00e9finis par la Banque nationale de Belgique dans son r\u00f4le de r\u00e9gulateur du march\u00e9 pour d\u00e9terminer une clef de r\u00e9partition de la valeur du bien grev\u00e9 d\u2019usufruit entre le nupropri\u00e9taire et l\u2019usufruitier.<\/p>\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>\n

<\/b>Expertise: <\/b>Assurance Vie<\/p>\n

Auteurs :<\/b> Michel Denuit<\/p>\n

et Julien Trufin<\/p>\n

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

\u00a0<\/p>\n

Date:<\/b> November 2019<\/p>\n

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

Pages:<\/b> 11<\/p>\n

R\u00e9f\u00e9rence :<\/b> Detra Note 2019-3<\/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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\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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\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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Cette analyse a permis de mettre en lumi\u00e8re l\u2019impossibilit\u00e9 d\u2019appliquer les calculs actuariels bas\u00e9s sur la loi des grands nombres \u00e0 une op\u00e9ration par essence unique comme celle de la conversion de l\u2019usufruit.<\/p>","protected":false},"author":1,"featured_media":4098,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[139,133],"tags":[131],"class_list":["post-4096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-139","category-publications","tag-detranote"],"yoast_head":"\nDetra Note : Calcul de la valeur de conversion de l'usufruit<\/title>\n<meta name=\"description\" content=\"Cette analyse a permis de mettre en lumi\u00e8re l\u2019impossibilit\u00e9 d\u2019appliquer les calculs actuariels bas\u00e9s sur la loi des grands nombres \u00e0 une op\u00e9ration par essence unique comme celle de la conversion de 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