{"id":5810,"date":"2025-10-28T17:45:13","date_gmt":"2025-10-28T22:45:13","guid":{"rendered":"https:\/\/ipfscanada.com\/?p=5810"},"modified":"2025-10-29T13:40:11","modified_gmt":"2025-10-29T18:40:11","slug":"comprendre-la-nouvelle-ligne-directrice-e-23-du-bsif","status":"publish","type":"post","link":"https:\/\/ipfscanada.com\/fr\/comprendre-la-nouvelle-ligne-directrice-e-23-du-bsif\/","title":{"rendered":"Comprendre la nouvelle ligne directrice E-23 du BSIF"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e8ebef;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1310.4px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-blend-mode: overlay;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p><strong>Toronto (Ontario), le 28 octobre 2025<\/strong><\/p>\n<p>Le <strong>Bureau du surintendant des institutions financi\u00e8res (BSIF)<\/strong> a publi\u00e9 un nouveau cadre intitul\u00e9 <strong>Ligne directrice E-23 \u2013 Gestion du risque li\u00e9 aux mod\u00e8les<\/strong>, destin\u00e9 \u00e0 aider les institutions financi\u00e8res f\u00e9d\u00e9rales \u00e0 mieux g\u00e9rer les risques croissants li\u00e9s \u00e0 l\u2019utilisation de mod\u00e8les \u2014 qu\u2019il s\u2019agisse d\u2019outils actuariels traditionnels ou de technologies d\u2019intelligence artificielle.<\/p>\n<p>Le risque li\u00e9 aux mod\u00e8les survient lorsque ceux-ci sont erron\u00e9s, mal utilis\u00e9s ou mal implant\u00e9s, ce qui peut mener \u00e0 de mauvaises d\u00e9cisions d\u2019affaires ou \u00e0 des pertes financi\u00e8res.<br \/>\nAlors que les mod\u00e8les pr\u00e9dictifs et les outils d\u2019IA occupent une place de plus en plus importante dans les secteurs de l\u2019assurance et des services financiers, cette nouvelle ligne directrice du BSIF vise \u00e0 s\u2019assurer que les institutions adoptent des pratiques responsables, transparentes et rigoureusement encadr\u00e9es.<\/p>\n<p>Fond\u00e9e sur des principes directeurs, la ligne directrice E-23 offre une certaine flexibilit\u00e9 aux institutions tout en renfor\u00e7ant la gouvernance, la responsabilit\u00e9 et la surveillance.<\/p>\n<p>Ses principaux objectifs sont les suivants :<\/p>\n<ul>\n<li><strong>Prot\u00e9ger les consommateurs<\/strong> contre les cons\u00e9quences d\u2019une mauvaise gestion des mod\u00e8les ;<\/li>\n<li><strong>Maintenir la stabilit\u00e9 financi\u00e8re<\/strong> du syst\u00e8me canadien ;<\/li>\n<li><strong>Encourager l\u2019innovation<\/strong> dans la mod\u00e9lisation, tout en favorisant l\u2019application de pratiques solides de gestion du risque.<\/li>\n<\/ul>\n<p>La nouvelle ligne directrice entrera en vigueur en mai 2027 et pr\u00e9voit une p\u00e9riode de transition de 18 mois afin de permettre aux institutions d\u2019harmoniser leurs pratiques existantes.<\/p>\n<p>Elle s\u2019applique \u00e0 toutes les institutions financi\u00e8res f\u00e9d\u00e9rales, \u00e0 l\u2019exception des r\u00e9gimes de retraite.<br \/>\nDurant cette p\u00e9riode de transition, le BSIF accompagnera les institutions dans l\u2019adaptation \u00e0 ces nouvelles exigences.<\/p>\n<p>Le texte int\u00e9gral de la <a href=\"https:\/\/www.osfi-bsif.gc.ca\/en\/guidance\/guidance-library\/guideline-e-23-model-risk-management-2027\">Ligne directrice<\/a> E-23 est disponible sur le site Web du Bureau du surintendant des institutions financi\u00e8res du Canada.<\/p>\n<p>Chez IPFS Canada, nous sommes d\u00e9termin\u00e9s \u00e0 aider nos partenaires courtiers \u00e0 s\u2019adapter \u00e0 ces changements r\u00e9glementaires.<br \/>\nNous collaborons \u00e9troitement avec eux pour favoriser une adoption responsable de l\u2019innovation, en veillant \u00e0 ce que les solutions offertes \u00e0 leurs clients demeurent efficaces et conformes.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only 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0px;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":9,"featured_media":5812,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":[],"_tribe_ticket_has_attendee_info_fields":false,"footnotes":""},"categories":[56,36,55],"tags":[],"class_list":["post-5810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-les-tendances","category-non-classifiee","category-nouvelles"],"yoast_head":"<!-- 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