{
    "id": 38393,
    "date": "2024-03-04T16:26:08",
    "date_gmt": "2024-03-04T15:26:08",
    "guid": {
        "rendered": "https:\/\/yearbooktest1.com\/?p=38393"
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    "modified": "2024-06-27T18:59:34",
    "modified_gmt": "2024-06-27T16:59:34",
    "slug": "togo-etat-membre-de-la-cima",
    "status": "publish",
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    "link": "https:\/\/africa.yearbook-media.com\/fr\/togo-etat-membre-de-la-cima\/",
    "title": {
        "rendered": "Togo – Etat membre de la CIMA"
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    "content": {
        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"38393\" class=\"elementor elementor-38393\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8c5af7 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"a8c5af7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bc0f29b e-con-full droppable e-flex e-con e-child\" data-id=\"bc0f29b\" data-element_type=\"container\" id=\"Ele1A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d599c98 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d599c98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/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<\/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<div class=\"elementor-element elementor-element-82694cc e-con-full e-flex e-con e-child\" data-id=\"82694cc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af475c3 elementor-widget elementor-widget-text-editor\" data-id=\"af475c3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"container\" data-elementor-id=\"74473\" class=\"elementor elementor-74473\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-695d4e3 e-flex e-con-boxed e-con e-parent\" data-id=\"695d4e3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a59548b elementor-widget elementor-widget-text-editor\" data-id=\"a59548b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tTogo &#8211; Etat membre de la CIMA\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>\n\t\t<\/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<div class=\"elementor-element elementor-element-60e56a3 e-con-full e-flex e-con e-child\" data-id=\"60e56a3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-650625a e-con-full e-flex e-con e-child\" data-id=\"650625a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d42ef5f elementor-widget elementor-widget-image\" data-id=\"d42ef5f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/africa.yearbook-media.com\/wp-content\/uploads\/elementor\/thumbs\/Blvd_des_Armee_Lome_Lome_TOGO_2019-e1719507369823-revu4hl0dyywru5qotqbiw4wujsx4q07bg2l4sh61g.jpg\" title=\"Blvd_des_Armee_Lome_(Lome,_TOGO_2019)\" alt=\"Blvd_des_Armee_Lome_(Lome,_TOGO_2019)\" loading=\"lazy\" \/>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c1208fc e-flex e-con-boxed e-con e-parent\" data-id=\"c1208fc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0728861 elementor-widget elementor-widget-text-editor\" data-id=\"0728861\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-align: var(--text-align); background-color: var(--base-3);\">Le Togo est un Etat membre de la CIMA de m\u00eame que le B\u00e9nin, le Burkina Faso, le Cameroun, la C\u00f4te d\u2019Ivoire, le Gabon, la Guin\u00e9e Bissau, la Guin\u00e9e Equatoriale, le Mali, le Niger, la R\u00e9publique Centrafricaine, le S\u00e9n\u00e9gal, le Tchad et le Congo.<\/span><\/p>\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<div class=\"elementor-element elementor-element-3ab6096 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"3ab6096\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f216923 e-con-full droppable e-flex e-con e-child\" data-id=\"f216923\" data-element_type=\"container\" id=\"Ele2A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9eea88a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9eea88a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/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<\/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<div class=\"elementor-element elementor-element-deab21b e-flex e-con-boxed e-con e-parent\" data-id=\"deab21b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea61b46 e-transform elementor-widget elementor-widget-text-editor\" data-id=\"ea61b46\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La Conf\u00e9rence Interafricaine des March\u00e9s d\u2019Assurances (CIMA) est un exemple unique d\u2019int\u00e9gration, de la r\u00e9gulation et de la supervision de l\u2019industrie des assurances regroupant 14 pays d\u2019Afrique de l\u2019ouest et du centre.&nbsp;<\/p>\n<p>La mission de la CIMA est de travailler au d\u00e9veloppement sain et harmonieux de l\u2019industrie des assurances en assurant la protection des assur\u00e9s et b\u00e9n\u00e9ficiaires de contrats et la stabilit\u00e9 financi\u00e8re des \u00e9conomies. Ce trait\u00e9 a adopt\u00e9 un code des assurances unique, englobant les r\u00e8gles du contrat d\u2019assurance et les r\u00e8gles applicables aux acteurs : assureurs, r\u00e9assureurs, interm\u00e9diaires d\u2019assurance.<\/p>\n<p>La CIMA, dans sa conception du contr\u00f4le des compagnies, tient beaucoup aux respects des trois piliers : engagements correctement \u00e9valu\u00e9s, actifs suffisants et de bonne qualit\u00e9 pour les couvrir et la capacit\u00e9 de disposer d\u2019une marge de solvabilit\u00e9 pour g\u00e9rer les \u00e9ventuels \u00e9v\u00e8nements exceptionnels (d\u00e9rive des engagements, baisse brutale des actifs, une r\u00e9assurance non adapt\u00e9e ou une tarification non appropri\u00e9e). Ce souhait de maintenir l\u2019\u00e9quilibre technico-financier a donn\u00e9 naissance \u00e0 une succession de r\u00e9formes en zone CIMA.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\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<div class=\"elementor-element elementor-element-62ea5ba ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"62ea5ba\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0b9cae8 e-con-full droppable e-flex e-con e-child\" data-id=\"0b9cae8\" data-element_type=\"container\" id=\"Ele3A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d5de8a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3d5de8a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/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<\/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<div class=\"elementor-element elementor-element-49bde07 e-flex e-con-boxed e-con e-parent\" data-id=\"49bde07\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9e960d e-transform elementor-widget elementor-widget-text-editor\" data-id=\"d9e960d\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"background-color: var(--base-3);\">La Commission R\u00e9gionale de Contr\u00f4le des Assurances (CRCA) veille \u00e0 ce que les soci\u00e9t\u00e9s soumises \u00e0 son contr\u00f4le respectent les r\u00e8gles de conduite en vigueur, afin d\u2019assurer un traitement conforme \u00e0 la r\u00e8glementation ; un traitement \u00e9quitable et professionnel des assur\u00e9s, des b\u00e9n\u00e9ficiaires des contrats d\u2019assurance, de capitalisation et des victimes de dommages. La Commission vise \u00e9galement \u00e0 sensibiliser le grand public quant \u00e0 l\u2019activit\u00e9 et aux pratiques en mati\u00e8re d\u2019assurance.<\/span><\/p>\n<p>Fin 2020, le conseil des ministres de la CIMA a consenti \u00e0 assouplir le calendrier de mise en \u0153uvre du rel\u00e8vement du capital minimum pour les compagnies de la zone, dans le contexte de la crise de la Covid-19. Cette r\u00e9forme a d\u00e9j\u00e0 port\u00e9 le minimum de fonds propres requis de 1 milliard \u00e0 3 milliards de F CFA, et projetait la mise en place d\u2019un nouveau seuil \u00e0 5 milliards avant la fin de 2021. Cens\u00e9e renforcer le secteur et permettre l\u2019\u00e9mergence d\u2019acteurs plus solides, tant la fili\u00e8re est fragment\u00e9e dans la zone, cette r\u00e9forme avait suscit\u00e9 \u2013 jusqu\u2019\u00e0 la veille de sa mise en \u0153uvre \u2013 de nombreuses r\u00e9actions parmi les \u00ab petits assureurs \u00bb, ou les groupes d\u2019assurances multi-implant\u00e9s, pour lesquels le co\u00fbt de cette r\u00e9forme \u00e9tait lourd \u00e0 supporter et entra\u00eener aussi un repli de certains assureurs internationaux de certains pays de la zone, jug\u00e9s moins rentables.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\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<div class=\"elementor-element elementor-element-6a6a342 ToBeHidden e-flex e-con-boxed e-con e-child\" data-id=\"6a6a342\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-631c743 e-con-full droppable e-flex e-con e-child\" data-id=\"631c743\" data-element_type=\"container\" id=\"Ele4A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1efc362 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1efc362\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\t\t<div data-elementor-type=\"page\" data-elementor-id=\"83347\" class=\"elementor elementor-83347\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-751a8b39 e-con-full OrdiMobileConteneurClass e-flex e-con e-child\" data-id=\"751a8b39\" data-element_type=\"container\" id=\"testIdTest\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a7e332 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1a7e332\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div class=\"ym-espace-pub-lazy\" data-tpl=\"83347\"><\/div><\/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<\/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\t\t<\/div>",
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        "rendered": "<p>Le Togo est un Etat membre de la CIMA de m\u00eame que le B\u00e9nin, le Burkina Faso, le Cameroun, la C\u00f4te d\u2019Ivoire, le Gabon, la Guin\u00e9e Bissau, la Guin\u00e9e Equatoriale, le Mali, le Niger, la R\u00e9publique Centrafricaine, le S\u00e9n\u00e9gal, le Tchad et le Congo. La Conf\u00e9rence Interafricaine des March\u00e9s d\u2019Assurances (CIMA) est un exemple unique &#8230; <a title=\"Togo &#8211; Etat membre de la CIMA\" class=\"read-more\" href=\"https:\/\/africa.yearbook-media.com\/fr\/togo-etat-membre-de-la-cima\/\" aria-label=\"Plus sur Togo &#8211; Etat membre de la CIMA\">Lire plus<\/a><\/p>",
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