ISSN: 2320-5407 Int. J. Adv. Res. 5(8), 1274-1281 Journal Homepage: -www.journalijar.com Article DOI:10.21474/IJAR01/5181 DOI URL: http://dx.doi.org/10.21474/IJAR01/5181 RESEARCH ARTICLE SOLVENCY REGULATION ANALYSIS OF INSURANCE COMPANIES IN MOROCCO. Ait Kassi Mustapha, Chegri Badre Eddine and Hinti Said. Department of Economics and Management Sciences,Faculty of law and EconomicsUniversity Mohammed VRabat, Morocco. …………………………………………………………………………………………………….... Manuscript Info Abstract ……………………. ……………………………………………………………… Manuscript History Received: 15 June 2017 Final Accepted: 17 July 2017 Published: August 2017 Keywords:- Insurance companies, regulation, control, solvency, insolvency This research paper aims at analyzing the standards imposed by the insurance authority and social security in order to ensure solvency of insurance companies in Morocco, from laws in force. The following lines will tackle, at first, the causes of insolvency of insurance companies at an international level. Then, it will point out the normative mechanism and regulatory framework governing the solvency of Moroccan insurance companies. Copy Right, IJAR, 2017,. All rights reserved. …………………………………………………………………………………………………….... Introduction:- The insurance market is charachterized by its reverse production cycle, and hence, a consolidated regulation is needed purposefully to ensure solvency of the market and to strenghten the protection of insured parties. Indeed, the insurance market has a high risk. The purpose of the study and the risk management would be the implementation of necessary mechanisms to regulate the process management. And therefore, it would be wise to analyse the causes that may jeopardize the continuity of insurance companies. In this respect, the control of coverage provided is regarded as a crucial foundation for the proper functioning of the insurance market, nowadays. It is also a key issue to ensure the stability of the financial system from the outset. Besides, the recent development of Moroccans and his/her high level of technological knowledge support the implementation of an effective and strong system. Indeed, the control mechanisms are adaptable and processes improve. Moreover, legislative and regulatory innovations enrich the insurance market, nationally. Recent context of the insurance Market in Morocco:- In Morocco, The Supervisory Authority for Insurance and Social Welfare known as « ACAPS », was set up by law n°64-12 has legal personality under public law and financial autonomy. It replaces the insurance regulatory authority (DAPS) which had formerly been part of the Ministry of Economy and Finance. ACAPS exercises its control over persons that are subject to public or private law, with the exception of the government which exercises or manages insurance or reinsurance operations governed by the Insurance Code, as well as pension operations, pay-as-you-go or funded operations, compulsory health insurance and mutuals. With the establishment of an independent regulatory authority for the insurance market and the social welfare sector, Morocco is developing its institutional framework to achieve a greater convergence with international standards in regulation and supervision. The objective is to enhance the effectiveness of regulatory activities at a national level and increase the attractiveness of the Moroccan market at the international level. Corresponding Author:-AitKassi Mustapha. Address:-Department of Economics and Management Sciences,Faculty of law and conomicsUniversity Mohammed VRabat, Morocco.