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| alternative label
| - Cargo insurance in Mauritania
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| - Thèses et écrits académiques
- Assurances maritimes -- Mauritanie
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| preferred label
| - Les assurances maritimes sur facultés en Mauritanie
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| dc:title
| - Les assurances maritimes sur facultés en Mauritanie
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| note
| - The insurance policies in mauritania are subject to a state monopoly under the rules of industrial and commercial public institutions, who in turn obey more or less successfully, both the rules of public law and the rules of private law. Mainwhile, this situation only began in 1974 in that before the french colonization, insurance was unrecognized in mauritania for two reasons; the muslem law forbides aleatory contracts, and the social stratification in the country that hinders the emergence of individual insurance. Colonization soon introduced this habit through insurance agents representing important european insurance companies. Thereafter, all the french speaking countries go to adopt the french legislation in the field of insurance. So whilst impelled by the nationalist political movements and by the unctad resolutions, most of the third world countries including mauritania tended towards the creation of national insurance markets, unfortunately in most french speaking african countries, the legislative contracts and insurance policies have often been left out of these efforts. Thus, the mauritanian company for insurance and reinsurance \"smar\", uses the french policies of cargo insurance of 1944, which in most ways is outmoded by the international system. But the originality of theses new markets of cargo insurance lies on their compulsory aspects. Infact, in order to better equilibrate their balance of payments most third world countries have had to adopt the compulsory local insurance for importation \"aloi\", which consist in giving their own insurance markets as an official domicile, while insuring their importations. But this attitude quickly affected the international market of subscription for insurance and reinsurance. The resulting consequencies are the main subject of the present thesis.
- Les assurances en general et l'assurance maritime sur facultes en particulier, sont l'objet d'un interet sans cesse croissant dans les pays en developpement. La mauritanie apres une periode coloniale et postcoloniale (de l'independance :28 11 60 a 1974) de presence de courtiers etrangers, va avoir recours a l'etablissement caractere industriel et commercial pour instaurer un monopole d'etat sur l'industrie des assurances. Mais, cette mutation du marche des assurances ne s'est pas accompagnee d'une reforme du cadre legislatif du contrat d'assurance maritime sur facultes et encore moins de sa police d'assurance. La legislation datant de l'epoque coloniale commerce francais) ainsi que la police d'assurance (police francaise de 1944) allaient connaitre des sorts differents. En effet, si les regles du code de commerce ne tarderent pas a sombrer dans la desuetude, la police a ete et reste le moteur des relations contractuelles en la matiere, meme si a bien des egards, elle ne correspond plus des assures mauritaniens, ni aux realites du commerce international. Il resulde de cet etat de fait, que l'etat mauritanien sensible aux revendications des pays du tiers-monde aupres des nations-unies (c.n.u.c.e.d., c.n.u.d.c.i....) Pour la creation de marches nationaux d'assurance entre autres, limitera son intervention au niveau de la structure marche et des mesures visant a le renforcer. Une de ces mesures, consiste a domicilier l'assurance des importations dans le pays importateur. Cette mesure qui s'inscrit dans la recherche d'un nouvel ordre economique international ne tardera pas a avoir des consequences sur le marche international de souscriptions d'assurances directes reassurance. Ce sont ces consequences que cette these essaye de circonscrire.
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