{"id":8028,"date":"2021-05-03T16:30:29","date_gmt":"2021-05-03T14:30:29","guid":{"rendered":"https:\/\/guillermou-avocats.fr\/?p=8028"},"modified":"2024-12-30T18:20:07","modified_gmt":"2024-12-30T17:20:07","slug":"et-si-le-bcriv-devait-etre-reevalue","status":"publish","type":"post","link":"https:\/\/guillermou-avocats.fr\/fr\/actualites\/et-si-le-bcriv-devait-etre-reevalue","title":{"rendered":"Et si le BCRIV devait \u00eatre r\u00e9\u00e9valu\u00e9 ?"},"content":{"rendered":"
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Capitaliser les pr\u00e9judices sur la base du bar\u00e8me \u00ab\u00a0Gazette du Palais 2020\u00a0\u00bb ou sur la base du \u00ab\u00a0BCRIV 2018\u00a0\u00bb\u00a0? Telle est l\u2019\u00e9pineuse question pos\u00e9e aux juridictions.<\/p>\n

Nombreuses sont d\u00e9sormais les Cours d\u2019Appel [1]<\/strong><\/em> qui plaident en faveur de l\u2019application du bar\u00e8me 2020 au motif que les tables de mortalit\u00e9 utilis\u00e9es par cette version du bar\u00e8me sont plus r\u00e9centes que celles utilis\u00e9es par le BCRIV 2018.<\/p>\n

En effet, si le BCRIV 2018 est bas\u00e9 sur les tables de mortalit\u00e9 de l’INSEE 2010-2012, la version 2020 du bar\u00e8me de la Gazette du Palais applique les derni\u00e8res tables publi\u00e9es \u00e0 ce jour \u00e0 savoir les tables 2014-2016.<\/p>\n

Mais cet argument ne devrait pas \u00eatre le seul \u00e0 emporter la conviction des magistrats\u2026<\/p>\n

Il pourrait \u00eatre pertinent de s\u2019int\u00e9resser aux cons\u00e9quences d\u2019une actualisation du BCRIV\u00a0sur la base de sa propre m\u00e9thodologie appliqu\u00e9e en 2018.<\/p>\n

Pour ce faire, une analyse des \u00e9volutions de la courbe EIOPA (largement pl\u00e9biscit\u00e9e par les assureurs dans la m\u00e9thodologie de calcul du BCRIV pour son gage de s\u00e9curit\u00e9, d\u2019ind\u00e9pendance et de cr\u00e9dibilit\u00e9) s\u2019impose.<\/p>\n

Pour rappel, les taux retenus pour le BCRIV 2018 sont ceux de l\u2019ann\u00e9e 2017 correspondant \u00e0 la moyenne des taux mensuels du 1er<\/sup> d\u00e9cembre 2016 au 30 novembre 2017.<\/p>\n

Selon une analyse de l\u2019ACPR<\/a><\/strong><\/a> (Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution), le premier semestre 2019 a connu une nouvelle baisse prononc\u00e9e des taux d\u2019int\u00e9r\u00eat qui s\u2019est r\u00e9percut\u00e9e sur la courbe des taux sans risque publi\u00e9e par EIOPA. L\u2019ann\u00e9e 2020 n\u2019a pas non plus \u00e9t\u00e9 \u00e9pargn\u00e9e en raison de la crise sanitaire mondiale.<\/p>\n

Cette nette baisse interroge sur ce que serait le prix d\u2019euro de rente d\u2019un BCRIV 2020\u00a0ou 2021 bas\u00e9 sur ces nouveaux taux d\u2019int\u00e9r\u00eats et sur les nouvelles donn\u00e9es d\u00e9mographiques et ce, sans m\u00eame \u00e9voquer le taux d\u2019inflation qui lui aussi a connu une nette \u00e9volution\u00a0[2]<\/strong><\/em> en la d\u00e9faveur du consommateur.<\/p>\n

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[1] Exemples\u00a0: Cour d’appel de Paris – P\u00f4le 04 ch. 11, 4 janvier 2021 n\u00b0 18\/23582\u00a0; Cour d’appel de Nancy – ch. civile 02, 11 f\u00e9vrier 2021 n\u00b0 20\/02034<\/p>\n

[2] Pour rappel\u00a0: le BCRIV utilise moyenne de l\u2019inflation des ann\u00e9es 2015 \u00e0 2017 soit 0,4%<\/p>\n<\/div>

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