bảo hiểm rủi ro

7/30/2019 bo him ri ro

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I. Nhng vn chung v bo him kinh doanh ( bohim ri ro)

1. Khi nim

Bo him kinh doanh ( BHKD) l hnh thc bo him do cc t chkinh doanh bo him tin hnh trn c s huy ng s ng gp ca cc tchc, c nhn tham gia bo him hnh thnh nn qu bo him v phn phs dng chng bi thng cho tn tht c th xy ra i vi i tng bhim

2. c im ca bo him kinh doanh Hot ng ca bo him kinh doanh l hng ti mc tiu li

nhun Bo him kinh doanh va mang tnh cht bi hon, va mang tnh

cht khng bi hon. Tnh cht bi hon ca bo him kinh doanh khng xc nh trcc khng gian v thi gian m ch c th xc nh c khi riro thc t xy ra

Mc bi hon ca bo him kinh doanh thng ln hn rt nhiso vi mc ph bo him.

3. Nguyn tc hot ng ca bo him kinh doanh Nguyn tc hot ng ca bo him kinh doanh trc ht l bo

m quyn li ca ngi tham gia bo him Nguyn tc ly s ng b s t Nguyn tc sng lc ri ro Nguyn tc nh ph bo him da trn c s ga ca cc ri ro4. Cc yu t c bn ca hp ng bo him ri ro.

- Ngi bo him: l ch th hay php nhn ng ra ch o victo lp v iu khin qu trnh s dng qu bo him c php lut cngnhn. V d cc cng ty Bo Vit, Bo Minh,

- Ngi tham gia bo him: l nhng ch th hay php nhn thamgia ng bo him ph di hnh thc bt buc hay t nguyn v khi xy ranhng s c hay tai nn bo him k kt th h s c quyn nhn tin bi

thng tn tht- Ngi c bo him: l ngi v tnh mng, sc kho ca

ngi khin ngi tham gia bo him i n k kt hp ng bo him vingi bo him.

- Ngi c ch nh hng bi thng bo him: l ngi ctham gia bo him ch nh bng vn bn vi ngi bo him l ngi s


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c nhn bi thng bo him khi c s c bo him xy ra hoc khi ngic bo bim b cht.

- i tng bo him: l nhng ci g m ngi tham gia bohim yu cu bo him hoc do php lut quy nh bt buc phi bo him, cth l thn th con ngi, ti sn, trch nhim dn s,

- Ri ro bo him: l mc hay kh nng xy ra s c bohim, l mt hoc nhiu s c d tnh trong cc iu kin bo him m khinhng s c ny xy ra th ngi bo him bt buc phi tin hnh tr tin bithng toonnr tht cho ngi tham gia bo him.

- Tai nn bo him: l s c bo him xy ra ko theo trchnhim ca ngi bo him phi bi thng toonr tht cho ngi tham gia bohim

- Gi tr bo him: l gi tr ti sn c bo him ti thi imk hp ng bo him.

- S tin bo him: l s tin tnh cho tng loi ti sn c bohim m trong gii hn ngi bo him phi tin hnh tr tin bi thngtn tht khi tai nn bo him xy ra i vi bo him ti sn, hoc s tin

phi tr cho i sng v sc kho i vi bo him thn th. - Ph bo him: l s tin m ngi tham gia bo him phi

ng gp cho ngi bo him v cc i tng bo him.

5. Phn loi bo him kinh doanh * Phn loi bo him kinh donh cn c vo i tng bo

him: - Bo him ti sn: l loi hnh bo him c i tng bohim l gi tr ti sn.

- Bo him con ngi: l hnh thc bo him c i tng bohim l kh nng lao ng, sc kho, tnh mng ca con ngi. V d: bohim nhn th.

- Bo him trch nhim dn s: l hnh thc bo him c itng bo him l trch nhim dn s.

* Phn loi cn c vo tnh cht hot ng ca bo himkinh doanh:

- Bo him bt buc: l hnh thc bo him c php lutNh nc quy nh bt buc phi bo him. V d: bo him t, xe my

- Bo him t nguyn: Da trn nguyn tc tho thun : ngithan gia bo him t ngun k kt hp ng vi ngi bo him theo nhngquy tc v iu kin ca bo him c php lut quy nh.

6. Vai tr ca bo him kinh doanh


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- Bo him kinh doanh gp n nh sn xut kinh doanh vi sng x hi trc nhng ri ro bt ng.

- Bo him kinh doanh gp phn thit lp 1 h thng an tonx hi, h tr v thc hin cc bin php phng nga v hn ch tn tht.

- Bo him kinh doanh gp phn cung ng vn cho nn kinht

II. Thc trng hot ng ca th trng bo him kinhdoanh (BHKD) trc khi VN gia nhp WTO

1. Cc dch v kinh doanh bo him hin nay-Bo him nhn th: tnh n nay hot ng ti th trng Vit

Nam c khong 11 DN BH nhn th. Dch v ny annng c mc tngtrng nhanh, v cc doanh nghip hin nay ang n lc m rng knh

phn phi ng thi cng u t nhm ci thin cht lng phc v-Bo him phi nhn th : c khong 26 DN BH phi nhn th vi

cc nghip v bo him nh: BH ti sn; BH ri ro ti chnh; BH trchnhim sn phm ca cc t chc sn xut, kinh doanh; BH trch nhimdn s ca cc ch doanh nghip BH c gii, BH k thut, BH tuthy, BH con ngi, BH hag ha vn chuyn, BH chy n v ri ro c

bit, cc BH khc ,-Mi gii bo him: dch v mi gii hot ng nhm a

ngi tham gia bo him tm n cc ch th cung cp dch v bo

him, ng thi t vn cho h v cc nghip v cng nh gii thiu vcc sn phm bo him. Doanh thu t haotj ng bo him c c ct cc ch th cung cp dch v bo him v ngi tham gia bo him.

Ni cch khc mi gii bo him gip ngi mua tm n ngi bn vngc li . Hin nay Vit Nam c khong 10 DN mi gii BH.

n cui nm 2006, c hn 700 sn phm BH Phi nhnth v hn 100 sn phm BH Nhn th c 3 lnh vc bo him conngi, bo him ti sn, bo him trch nhim.

Cc sn phm BH ngy cng p ng nhu cu ca nn kinh tx hi v tun th theo chun mc quc t. c bit, sn phm BH p ng c yu cu pht trin mt s ngnh ngh quan trng nh dukh, hng khng, ng tu, xy dng cu ng, gin tip gp phntng cng thu ht vn u t nc ngoi v khuyn khch u t trongnc. Cc DNBH Nhn th i u trong vic pht trin knh phn phisn phm BH qua i l.


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Cc DNBH Phi nhn th bc u hnh thnh knh phnphi sn phm BH qua i l BH chuyn nghip v bn chuyn nghip.Ngoi ra, cc cng ty mi gii BH gp phn khai thc BH Phi nhnth vi t l gn 12% doanh thu BH gc, ch yu l vi cc i tngBH c gi tr ln, nh gi ri ro phc tp nhm bo v quyn li ngitham gia BH. Tnh n cui nm 2006, ton ngnh BH c 75.000 i lBH Nhn th chuyn nghip, 30.000 i l BH Phi nhn th bnchuyn nghip, v 8 DN mi gii BH.

2. Cc ch th cung cp dch v bo him kinh doanh Doanh nghip nc ngoi: l nhng doanh nghip c

php hot ng hp php trn lnh th Vit Nam. Tnh n nm 2007Vit Nam c :- 9 doanh nghip bo him nc ngoi hot ng trong lnh

vc phi nhn th vi tng ti sn 1.573 t ng- 8 doanh nghip nc ngoi hot ng trong lnh vc nhn

th vi tng ti sn 24.426 t ng Doanh nghip Vit Nam. Tnh n ht nm 2007 th Vit

Nam c :- 13 doanh nghip Vit Nam kinh doanh bo him phi nhn

th vi tng ti sn 15.796 t ng- 1 doanh nghip Vit Nam kinh doanh bo him nhn th

vi tng ti sn 13.990 t ng

Top 5 doanh nghip bo him c doanh thu cao l: Bo Vit -3.305 t ng (li nhun sau thu l 485 t ng), PVI - 2.016 t ng,Bo Minh - 1.981 t ng, PJICO - 1.061 t ng v PTI t 429 tng. Nm 2009, Bo Vit t mc tiu t doanh thu 9.192 t ng,li nhun sau thu 508 t ng.

3. Khch hng

Khch hng tham gia bo him c th l cc c nhn nhiu tuikhc nhau( khch hng cng ln tui th t l ng ph cho bo him


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cng , tch ly cng thp v ngc li ), t chc nh cc doanh nghip,cc t chc x hi, Khch hng tham gia bo him c th trc tip n cc i l phn

phi ca cc cng ty bo him hoc thng qua cc cng ty mi gii tm hiu v cc dch v bo him, cc sn phm bo him, cc iukhon di n k kt hp ng. Cc cng ty mi gii khng tham giatrc tip vo cc hp ng.

Hin nay s lng khch hng ca cc cng ty bo him ang tng.c bit khi nn kinh t ang dn phc hi sau suy thoi do nhu cumun c bo him ca cc c nhn v cc t chc . S lng hpng khai thc mi trong 06 thng 2009 t 284.792 hp ng (sn

phm chnh) tng 3.5% so vi cng k nm ngoi trong Prudentialkhai thc c 107.286 hp ng, Bo Vit Nhn th l 75.608 hp

ng, AIA l 25.455 hp ng.

4. Cht lng, gi c dch v

Phng thc ng ph v khon ph ng cc k linh hot.Vi bo him nhn th, bn ch cn ng s ph ti thiu

quy nh cho 2 nm u tin ca hp ng, nhng nm tip theo bn cth ng mc ph thp nht hoc thm ch c th tm dng ng phmt thi gian nu gp kh khn ti chnh min l gi tr ti khon vncn, bn vn c bo him y . Thng thng n nm th 5 ca

hp ng bn khng cn ng ph m hp ng vn chy cho n khio hn, d nhin l bn vn c bo m tt c nhng quyn li bohim ri. Hn th na bn c th ng ph bt c lc no min thythun tin, nhn vin ca s n thu trc tip tit kim thi gian cho

bn min l mc ph ng khng thp hn 100 ngn ng.Ch ng iu chnh s tin bo him khi cn.

Cuc sng lun thay i v th nhu cu ti chnh ca chng ta lun thayi theo tng giai on. Vi bo him nhn th bn c th linh hotthay i tng hoc gim s tin bo him vo bt c lc no min l

tho mn iu kin ti chnh v sc kho.Quyn li rt tin chi tiu nh mt ti khon ngn hng.Khi tham gia bo him nhn th bn c th hon ton ch ng hochnh qu ti chnh cho bn thn v gia nh. C th l bn c th rt tint hp ng nh mt ti khon ngn hng chi tiu cho nhng nhucu trong cuc sng. c bit s tin trong ti khon cng ngy cngln ln vi li sut hp dn cam kt khng thp hn 4% (hin nay cty


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p dng li sut khng k hn l 10% so vi li sut cng loa ca ccngn hng khong 5%).Ngoi ra sau nm th 2 bn c th tm ng hocrt tin t hp ng thc hin nhng k hoc ti chnh khc nhau

phc v nhu cu cho cuc sng.Tnh minh bch cao

Vo ngy k nim hp ng hng nm Cty s gi bo co ti chnh chobn qua , bn c th theo di chi tit s tin np vo, chi ph m cngty khu tr, s li tch lu c,s d cui k...

Quyn li c bo him- Khi ngi c bo him t vong: Cty s chi tr quyn li bo him

bng s tin bo him m mnh chn tham gia hoc gi tr ti khon tutheo s tin no ln hn.- Khi ngi c bo him thng tt ton b vnh vin: trong giaion t 18-65 tui ko may b thng tt ton b v vnh vin, Cty s chi

tr bng quyn li tng ng vi quyn li khi b t vong chia lm10 ln trong 10 nm lin tc sau .- Khi ngi c bo him b t vong do tai nn: ngoi s in bo himc chi tr va ni trn, gnh cn bi thung thm mnh gi t vong dotai nn na gnh c th xoay s trong tnh hung bt ng nh vy.- Quyn li h tr vin ph: khi trng hp bnh tt tai n phi nmvin, s h tr chi ph nm vin cho khch hng.

III. nh gi xu hng pht trin ca th trng BHKDkhi VN gia nhp WTO

1. Thch thc ca th trng BHKD VN khi gia nhpWTO & ni dung quy nh ca WTO v bo kinh doanh

Thch thc ca th trng BHKD VN khi gia nhp WTO

a. S lng cc DNBH c cp php hot ng ngy mtgia tng

Cc t chc, cc nhn trong v ngoi nc nu iu kin thao lutnh u c quyn xin php thnh lp DNBH, trong c cc DNBHnc ngoi theo ng cam kt WTO. iu ny gn nh ng nhin vtim nng v c hi pht trin ca th trng BH nhn th v phi nhnth cn y ha hn, tc tng trng ca ngnh BH tng i hpdn, BH cn c dng d phng nghip v BH vo u t ti chnh ckh nng sinh li cao.


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Tuy nhin, vic c nhiu DNBH ra i lm cho s cnh tranh vn gay gt ny cng gay gt hn.Vn chy mu cht xm t doanhnghip bo him Vit Nam sang doanh nghip bo him nc ngoi cthu nhp cao hn cng l iu ng quan tm. Vi kh nng ti chnh rtmnh, cc doanh nghip bo him nc ngoi s tm mi cch trong c tuyn truyn, qung co, khuyn mi, khuch trng sn phm, h ph

bo him gy uy tn v chim lnh th trng

b. DNBH hot ng nc ngoi c cung cp mt s sn phm BHqua bin gii (vo VN)

y l iu ng lo ngi trong cuc cnh tranh khng cn sc i vi ccDNBH ang hot ng ti VN (DNVN, lin doanh, 100% vn nc ngoi).

Trc ht, h khng th bit c thng tin v i th cnh tranh ca h(DNBH ang hot ng nc ngoi) c th l ai ang bn sn phm BH voVN.

Th hai, v kh ca i th ang s dng l loi g khng c bit r: nBH, iu khon BH, iu kin BH, ph BH nh th no?

Th ba, DNBH ang hot ng ti VN phi ng thu cho ngn sch nhnc nh thu VAT, thu thu nhp doanh nghip, thu mn bi, thu s dngt hot ng kinh doanh c doanh thu t VN, trong khi i th

khng b ng gp cc khon thu trn.

Trong mt cuc chin, Bit ch bit ta, trm trn trm thng. DNBHang hot ng nc ngoi bit rt r DNBH ang hot ng ti VN, songDNBH ang hot ng ti VN li khng bit g v DNBH ang hot ng tinc ngoi ang ngm ngm cng chia chic bnh th trng BHVN.

c. Knh phn phi sn phm BH bc l nhiu yu km

BH nhn th sau mt thi gian tng trng nhanh i cng vi tng trng

m rng knh phn phi qua i l, c ngha l c tng i l l c tngdoanh thu nn nhiu DN cha ch trng n cht lng tuyn chn o to vs dng i l.

Cng ngh ca cc DNBH cha mang li hiu qu cao, cha cp nht tnghp ng pht sinh, cha phn loi khch hng, ri ro, cha phn tch cnhng nguyn nhn v mc ri rosn phm cn n gin, cht lng


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dch v sau bn cn nhiu bt cp , th trng bo him Vit Nam c xemnh mt ci bnh ln m cc doanh nghip trong nc mi khai thc cmt phn do hot ng cn km hiu qu, nng lc ti chnh cng nh ngunnhn s cha t cht lng cao lm mt th phn v tay cc doanh nghip

bo him nc ngoi v d nh 85% th phn bo him hng ha xut nhpkhu ang ri vo tay cc cng ty nc ngoi, cc doah nghip trong ncchia phn cn li .

Tuy trong nhng nm gn y mt s DNBH nhn thc ra c vn quan tm, u t cng sc hn cho vic nng cao cht lng i l BH.

Nhng BH phi nhn th vn gi cung cch khai thc ch yu t cn b BH,cnh tranh v ph BH, tng hoa hng, tng h tr cho i l, cha xy dngc i ng i l BH phi nhn th mang tnh chuyn nghip. Cc cng tymi gii cnh tranh ln nhau, lm vic thiu chuyn nghip, t b sung iu

kin, iu khon BH, h ph BH gy bt li cho DNBH v th trng BH.

d.u t cng ngh thiu ng b, km hiu qu

H thng cng ngh thng tin ca cc DNBH cha cp nht c tnghp ng BH pht sinh, cha phn loi c khch hng, ri ro BH, cha

phn tch nh gi c nguyn nhn, mc ri ro tn tht, cn nhiu lhng trc li BH. Chng ta khng th chp nhn c vic mt xe t btai nn mua BH bit c bin s xe nhng cc DNBH n y cho nhauv cho rng mnh khng bn BH cho chic xe ny. iu ny bc l r s yu

km ca cc DNBH trong h thng cng ngh thng tin.

e. Cnh tranh gay gt ch yu bng con ng h ph BH, khng ch trngnhiu n dch v chm sc khch hng

Ph BH trn th trng BHVN hin nay c hnh thnh ch yu qua conng cnh tranh h ph phi k thut m khng quan tm n i tng BHnh th no, mc ri ro ra sao. Ph BH mt khch sn 5 sao ch tngng vi ph BH mt chic xe t tr gi 1 t ng l mt iu phi l m trnth trng vn c DNBH chp nhn ginh bng c dch v BH. Mttrong nhng nguyn nhn c ngun gc su xa l ch khon tin lng vchi ph theo doanh thu khng ch trng n bi thng c th xy ra (li camkt ca DNBH n khch hng). Tnh trng ny dn n khng nhng ccDNBH cnh tranh ln nhau m cn c s cnh tranh gia cc chi nhnh trongcng mt DNBH. Chnh v vy, vic quan tm chm sc khch hng cung cpdch v gia tng b sung cho khch hng cng b hn ch.


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f. Vic gii quyt bi thng cn nhiu vng mc

Trc ht, tnh cng khai minh bch v h s, th tc gii quyt bithng cha c thc hin.

Th hai, vic n gin ha h s, th tc bi thng gim phin phc chokhch hng cha c ci thin r rt.

Th ba, cn nhiu vng mc trong vic thu thp h s chng t giiquyt bi thng cho nn nhn khi nhng h s chng t ny buc phi ly tc quan c thm quyn nh cng an, bnh vin.

Th t, vic t quyt, t chu trch nhim ca DNBH trong vic gim nhbi thng tn tht cha c pht huy v hay b hnh s ha.

Th nm, cc DN hot ng trong lnh vc t vn gim nh v gii quytbi thng (trung gian gia DNBH v khch hng) cha hot ng c hiuqu v phn quyt ca h nhiu khi khng c php lut cng nhn.

Cui cng l cha c bin php x pht thch ng DNBH trong vicchm tr bi thng cng nh x pht thch ng cc hnh vi trc li BH.

g. Sc p t ngi tiu dng

Sc p t ngi tiu dng sn phm bo him cng mang li cho thtrng bo him Vit Nam nhng thch thc mi : khch hng ngy cng ihi cao hn v cht lng dch v , khch hng a ra yu cu cao hn vkht khe hn la chn cho mnh mt cng ty bo him nh l yu cu vvic m rng phm vi bo him, n gin ha th tc, gim ph bo himm y l li l nhc im ca cc doanh nghip bo him Vit Nam

h. Khng cn ch bo h ca Nh nc

Sau khi hi nhp cc doanh nghip Vit Nam s khng cn nhn c

s bo h ca Nh nc. Trong kinh doanh bo him, cng s khngc s phn bit i x gia doanh nghip bo him trong nc v doanhnghip bo him nc ngoi. Mt s doanh nghip bo him Nh nc stin hnh c phn ha, trong sc p chia li cho c ng khng phi l nhnu kinh doanh bo him v u t khng c hiu qa.

Cam kt khi ra nhp t chc thng mi th gii WTO


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a. V cam kt cung cp dch v qua bin gii

Ngay sau khi Vit Nam tr thnh thnh vin chnh thc ca WTO, ccdoanh nghip bo him nc ngoi s c php cung cp cc dch v bohim nh bo him vn ti quc t, ti bo him v mi gii bo him, dchv nh gi ri ro, gii quyt khiu ni v t vn bo him v c bit l c

php cung cp dch v bo him cho cc d n, doanh nghip c vn u tnc ngoi ti Vit Nam m khng cn thnh lp php nhn ti Vit Nam.

Trong thi gian u, cc cam kt ny c th s nh hng mnh ti mts loi hnh bo him phi nhn th v gii hn trong nhm i tng nginc ngoi v cc d n c vn u t nc ngoi ti Vit Nam.

Tuy nhin, trong thi gian trung hn th vi s ln mnh ca cc doanh

nghip bo him phi nhn th trong nc (xt v mt uy tn v nng lc tichnh) th cc cam kt ny khng c nh hng nhiu, mt phn do tm lkhch hng thng c thin hng la chn doanh nghip bo him c tr sti Vit Nam, l nhng doanh nghip nm thng tin v ri ro tt nht do ckh nng bo him tt nht, mt khc cc doanh nghip bo him nc ngoithng thng cng mun thnh lp php nhn cung cp dch v tt hn.

b. V cc cam kt hin din thng mi

C th ni, cc cam kt cho php thnh lp php nhn thc hin kinh

doanh dch v bo him l nhng cam kt mang tnh cht t do ho th trngbo him v c nh hng ln nht i vi cc doanh nghip bo him hin hot ng trn th trng cng nh ti tnh hnh chung ca th trng.

Vic cho php thm cc doanh nghip bo him c vn u t nc ngoitham gia cung cp dch v bo him ti th trng Vit Nam s tng thmnng lc khai thc bo him ca th trng bo him. Bn cnh , cc doanhnghip bo him nc ngoi vi kinh nghim hot ng lu nm trn phm viquc t s gip chuyn giao cng ngh khai thc bo him v o to i ngcn b lm cng tc bo him ti Vit Nam.

Vi nng lc ti chnh mnh, cc doanh nghip bo him mi tham giath trng ny cng s cho ra i cc sn phm bo him mi, p ng tt hnnhu cu ca khch hng. Trong iu kin cung cp dch v tt hn, khchhng s l i tng hng li nhiu nht. c bit, chi ph bo him l mtcu phn ngy cng quan trng trong chi ph sn xut v kinh doanh ca ccn v kinh t khi nn kinh t ngy cng pht trin, v vy gim gi thnh u


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vo i vi chi ph bo him s gip gim mt cch tng i gi thnh snxut sn phm v dch v u ra ca cc doanh nghip Vit Nam v l c s tng sc cnh tranh ca nn kinh t Vit Nam ni chung trong iu kinton cu ho ngy cng c y mnh.

C th ni, vic cho php cc doanh nghip bo him nc ngoi tham giavo th trng bo him Vit Nam s em li nhng li ch tng th choth trng.

Tuy nhin, iu kin th trng bo him vi s c mt ca nhiu doanhnghip bo him nc ngoi cng s t ra mt s vn nh cnh tranhkhng lnh mnh, h thng php l cha mnh kim sot hot ng adng ca cc doanh nghip ny, song cc vn ny c th c kim sot ttnu c nhng bc i ph hp trong cng tc qun l Nh nc i vi hot

ng ca th trng.c. Cam kt lin quan n kinh doanh cc dch v bo him bt buc

Hin nay, bo him bt buc theo lut nh gm: bo him trch nhim dns ca ch xe c gii, bo him trch nhim dn s ca ngi vn chuynhng khng i vi hnh khch; bo him trch nhim ngh nghip i vihot ng t vn php lut; bo him trch nhim ngh nghip ca doanhnghip mi gii bo him; Bo him chy, n; v cc loi bo him khc cquy nh theo iu kin pht trin ca nn kinh t.

Trong nhng nm gn y, t trng ph bo him thu t bo him bt buckh ln trong tng ph bo him phi nhn th. Tuy nhin, t trng ph bohim t loi hnh bo him bt buc ny s gim tng i qua thi gian khicc nhu cu bo him tim nng trn th trng c khai thc tt hn do ccdoanh nghip ngy cng trng thnh v nng lc vn cng nh v trnh chuyn mn. Do , vic cho php cc doanh nghip bo him c vn u tnc ngoi cung cp cc dch v ny s khng nh hng nhiu n thtrng bo him m ch nh hng n th phn ca cc doanh nghip bohim hot ng trn th trng v ch trong lnh vc phi nhn th.

d. Cam kt xo b t l ti bo him bt buc sau 1 nm

Hin nay, cc doanh nghip bo him khi thc hin ti bo him ra ncngoi u phi thc hin ti bo him bt buc ti thiu 20% vi Tng cngty c phn ti bo him Quc gia Vit Nam (VINARE). V vy thc hin camkt xo b t l ti bo him bt buc ny s c tc ng kp, trc tin l nh


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hng ti hot ng ca VINARE, ng thi nh hng n tng mc phgi li ca th trng bo him phi nhn th

i vi cc doanh nghip bo him khc trn th trng, cam kt ny nuc p dng chung s to iu kin cho h linh hot hn trong cng tc ti

bo him v to iu kin ti bo him c li hn xt v mt kinh t.

Cam kt v dch v bo him ca Vit Nam trong m phn WTO

Ngnh/Phnngnh

Hn ch tip cn th trng Hn ch ix quc gia

A. Bo him v ccdch v lin quann bo him

a. Dch v bohim nhn th, trdch v bo him yt

b. Dch v bohim phi nhn th

c. Dch v ti bo

him v nhng tibo him

d. Dch v h trbo him (tr dchv i l bo him)

(1) Khng hn ch i vi:

- Dch v bo him cung cp cho cc doanh nghipc vn u t nc ngoi, ngi nc ngoi lm victi Vit Nam;

- Dch v ti bo him;

- Dch v bo him trong vn ti quc t;

- Dch v mi gii bo him v mi gii ti bo him;

- Dch v t vn , gii quyt khiu ni, nh gi riro.

(2) Khng hn ch

(3) Sau khi gia nhp, cc nh cung cp dch v ncngoi c thnh lp doanh nghip bo him lindoanh vi i tc Vit Nam, trong phn vn gpca nc ngoi khng qu 50% vn php nh calin doanh.

1 nm sau khi gia nhp, c php thnh lp doanh

nghip bo him 100% vn nc ngoi.

Doanh nghip bo him 100% vn nc ngoi khngc kinh doanh cc dch v bo him bt buc, baogm bo him trch nhim dn s ca ch xe c gii,bo him trong xy dng v lp t, bo him i vicc cng trnh du kh v cc cng trnh d gy nguy

(1) Khnghn ch

(2) Khnghn ch

(3) Khnghn ch

(4) Chacam kt tr


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him n an ninh cng ng v mi trng. 2 nmsau khi gia nhp, hn ch ny s c bi b.

Trong trng hp ti bo him cho cc doanh nghip

bo him nc ngoi, doanh nghip bo himc vn u t nc ngoi phi ti bo him theot l 20% trch nhim ca cc hp ng bo him giao kt cho Cng ty ti bo him quc gia Vit Nam.1 nm sau khi gia nhp, hn ch ny s c bi b.

(4) Cha cam kt tr cc cam kt chung

cc cam ktchung

2. C hi i vi hot ng BHKD th trng VN saukhi VN gia nhp WTO

a. Nhu cu bo him ngy cng cao

S pht trin ca sn xut nng nghip , cng nghip , xut nhpkhu v u t s to c hi cho doanh nghip kinh doanh bo himcng nh th trng bo him Vit Nam pht trin. Nhng khu thmi , khu ch xut , khu cng nghip khng ngng hnh thnh v phttrin l c hi cho s bo him xy dng, lp t hng khng , vn ti

i sng nhn dn c nng cao , trnh dn tr v nhn thcca dn c v bo him ang c ci thin. Nn kinh t tng trng caoc tc ng tch cc ti vic nng cao i sng vt cht cng nh tinhthn ca ngi dn trong x hi , thu nhp bnh qun ca ngi dn vitnam nhng nm gn y t mc trn 400 USD , c bit nm 2008 cons ny vt ngng 1.024 USD. Thu nhp ca ngi dn tng i nnh , mc sng dn c nng cao lm tng thm nhu cu v bohim trong x hi nh con ngi, sc khe, kh nng lao ng.. thc yhot ng bo him pht trin.

Th trng bo him vi hn 87 triu dn ha hn nhiu tim nng ,li trong qu trnh cng nghip ha , hin i ha chc chn l c hi ltng cho cc nh kinh doanh bo him . C th ni th trng bo himvit nam cung cp cho cc nh bo him mt lng khch hng timnng di do v a dng c mt lc lng ng o nhn lc cho ngnh

bo him.


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b.Nn kinh t tip tc tng trng cao,

Hng ha ca VN s c mt th trng rng ln hn l ccthnh vin WTO ng thi hng ha nc h s c xm nhp voth trng VN lm cho kinh t pht trin to tin cho cc ngnhngh pht trin nh giao thng vn ti ng b, hng khng, xutnhp khu lm tin cho BH pht trin. Nn kinh t tng trngcao i hi nhu cu vn v nhu cu BH phi p ng, t lm tin cho BH nhn th, tn dng ngn hng, chng khon pht trin.Vn tch ly tch t t d phng nghip v BH c nhiu c hi ut sinh li cao, khuyn khch BH pht trin.

c.u t trc tip nc ngoi v u t trong nc pht trinnhanh chng

y cng l c s ngnh BH pht trin, ng thi cng ihi ngnh BH phi c sn phm BH p ng nhu cu ca tngtrng u t nc ngoi v trong nc, nht l nhng c s u tngnh ngh mi, cng ngh cao nh ng tu, xy dng ng tuin ngm, xy dng ngnh in t cng ngh thng tin, xy dngnh my lc du, in nguyn t, v tinh, sn xut linh kin my

bay y l tim nng cho BH xy dng lp t, BH ti sn, BH k

thut, BH trch nhim pht trin.

d. L trnh c phn ha chun b hon thnh

Ch s hu t nhn buc ngi iu hnh DN (c th lngi lm thu) mun bo ton vn v ti sn trc mi ri ro cn

phi c BH lm tng nhu cu BH ngnh BH pht trin. Khi ccch DN coi trng BH l l chn trc mi ri ro, tai nn bt ng, khingi mua BH (nhn vin ca DNBH) khng c c hi i hi hoahng hoc la chn hoa hng cao hay thp th th trng BH s c

nhiu c hi pht trin lnh mnh

e. Php lut ngy cng hon thin v mang tnh tngthch vi nhau nhm bo v quyn v li ch chnh ng cangi tiu dng ca DN ngy mt tt hn lm pht sinh theonhu cu BH nh:


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BH trch nhim ngh nghip bc s, lut s, t vn thit k;BH ti sn; BH ri ro ti chnh; BH trch nhim sn phm ca cc tchc sn xut, kinh doanh; BH trch nhim dn s ca cc chdoanh nghip Lut KDBH s c sa i, b sung, tng cnghiu lc qun l nh nc, pht huy tnh ch ng, sng to caDNBH, bo v quyn v li ch chnh ng ca ngi tham gia BHl mi trng thun li th trng BH pht trin.

f. Tng lp dn c c thu nhp cao ngy cng ng o,

Bao gm gii ch DN t nhn, cc chuyn gia gii trong DNVNv DN c vn u t nc ngoi, cc ch h kinh doanh, cc chtrang tri u c nhu cu BH Nhn th cho mnh v ngi thn.

3. Mt s gii php cho cc doanh nghip bo him Vit Nam*Lin k t, h p nh t gi a cc nh b o hi m v i nhau :

Theo chi n l c pht tri n th tr ng b o hi m Vi t nam t n m 2003 n n m 2010, vi c pht tri n v s p x p cc doanh nghi p b o hi m s h ng n m c tiu pht tri n cc lo i hnh doanh nghi p kinh doanh b o hi m g c, ti b o hi m, b o hi m nhn th v b o hi m phi nhn th theo h ng a d ng hnh th c s h u bao g m doanh nghi p nh n c, cng ty c ph n, doanh nghi p c v n u t n c ngoi v t ch c b o hi m t ng h . Trong :

- Cc doanh nghi p nh n c khng c dng v n nh n c thnh l p doanh nghi p b o hi m m i ho c cng ty c ph n b o hi m mang tnh chuyn ngnh, s p x p l i cc doanh nghi p nh n c hi n nay nng cao n ng l c ti chnh v n ng l c ho t ng, gi c th ph n l n trn th tr ng trong n c v tham gia th tr ng b o hi m qu c t .

-T ng cng ty b o hi m Vi t Nam (B o Vi t) s c xy d ng thnh m t t p on ti chnh a n ng ho t ng trong l nh v c b o hi m phi nhn th , nhn th , u t , ch ng khon; trong ho t ngch y u l kinh doanh b o hi m v l doanh nghi p 100% v n nh n c duy nh t. B o Vi t s t ng v n

i u l t 586 t ng (hi n nay) ln m c 3.000 t ng (n m 2005) v 5.000 t ng (n m 2010).

- Cc cng ty b o hi m nh n c khc nh cng ty b o hi m TP. H Ch Minh, cng ty ti b o hi m Qu c gia (Vinare) v cng ty b o hi m d u kh (PVI) s ti n hnh c ph n ha. B o Minh chuy n thnh cng ty b o hi m c


16/24

ph n c v n nh n c chi ph i, chuyn kinh doanh b o hi m phi nhn th v th c hi n cc ho t ng khc nh u t v n, d ch v ti chnh, trong b o hi m l ho t ng kinh doanh ch y u.

- Cng ty b o hi m D u kh (PVI) 100% v n nh n c, tr c thu c T ng cng ty D u kh Vi t Nam hi n ang ho t ng n ngnh, khng c kh n ng c nh tranh khi th tr ng ti p t c m c a, h i nh p v i qu c t . Ho t ng c a PVI nh h ng n vi c gi m gi thnh, hi u qu kinh doanh c a ngnh d u kh; v v y, PVI s chuy n thnh c ng c a B o Minh. ph n v n nh n c c a PVI s l c ph n c a T ng cng ty D u kh Vi t Nam trong B o Minh.

- Gi ng nh B o Minh, cng ty ti b o hi m qu c gia Vi t Nam c ng chuy n thnh cng ty c ph n, do v n n c chi ph i, ho t ng chuyn l nh v c ti b o hi m duy nh t trn th tr ng b o hi m Vi t Nam. n n m 2010,

Vinare c n ng l c ti chnh, n ng l c kinh doanh tham gia th tr ng ti bo him quc t. n nm 2005, Vinare sc gi vai tr iu tit th trngti bo him Vit Nam, khng ph thuc vo th trng ti bo him quc ttrong vic thu xp cc dch v ti bo him ln v phc tp nh ti bo himhng khng, du kh, nng lng ngay c khi th trng ti bo him quc tc s bin ng, thu hp nng lc nhn ti bo him. Nh nc khng u tvn thnh lp thm doanh nghip ti bo him 100% vn nh nc *Lin k t v i cc t p on ti chnh khc Ch ng h n nh lin k t v i ngn hng, cc t ch c tn d ng c m ng l i khch hng r ng kh p c ng s l m t hnh th c ng quan tm. Cc ngn hng v cc nh

b o hi m c r t nhi u l a ch n trong vi c quy t nh cch th c h p tc nh th no ho t ng trn cc th tr ng ti chnh. - L i ch mang l i i v i cc nh b o hi m khi lin k t v i ngn hng t ng

i r rng; l: mang l i kh n ng ti p c n v i c s khch hng to l n c a cc ngn hng, gi m s ph thu c c a h vo vo cc i l truy n th ng b ng cch t n d ng nhi u knh phn ph i c a cc ngn hng, chia s cc d ch v v i cc

ngn hng, pht tri n cc s n ph m ti chnh m i hi u qu h n khi h p tc v i cc i tc ngn hng c a mnh, t o th tr ng m t cch nhanh chng m khng c n xy d ng m ng l i i l, nh n c thm v n t cc ngn hng c i thi n kh n ng thanh ton v m r ng kinh doanh. Ngoi ra, vi c lin k t ny cn mang l i l i ch tch c c i v i khch hng: n mang l i hi u qu c a vi c gi m chi ph phn ph i c a cc nh b o hi m v vi c gi m chi ph ny s c chuy n l i cho khch hng d i hnh th c ph b o hi m th p h n ho c b


17/24

sungthm cc d ch v ph tr mi n ph, t cc s n ph m m i c th s c pht tri n thch h p h n p ngnhu c u khch hng. M t khc, cc s n ph m d ch v k t h p ny c th khng c s n n u cc ngn hng v cc nh b o hi m ho t ng m t cch c l p. V d nh b o hi m ti n g i, b o hi m th u

chi. S thu n ti n c a vi c cc nh b o hi m lin k t v i h th ng ngn hng mang l i c ng lm t ng thm s tho mn c a khch hng; v d nh khch hng c th tr ph b o hi m c ng nh rt ti n v tr n vay b ng cc h p ng b o hi m thng qua h th ng ATM c a cc ngn hng.

* Cc cng ty b o hi m ph i hon ch nh b n thn mnh

- Chnh b n thn cc cng ty b o hi m ph i hon ch nh b n thn mnh. H n bao gi h t, c nh tranh trong hi nhp, cc cng ty bo him Vit nam s

phi quan tm ti vic ci thin nng sut v hiu qu lm tt cng tc chuynmn cng nh qung b mnh m thng hiu ca h ra cng chng.

- Doanh nghi p b o hi m ph i khng ng ng n l c tr thnh khc bi t so v i cc i th c nh tranh b ngcch cung c p d ch v n i tr i, t p trung vo m t th tr ng h p ho c kinh doanh c hi u qu h n cc i th . Vi c ny i h i doanh nghi p ph i c v n ho, c s cao tnh ch ng v c i ti n lin t c nhi u h n n a.

* T p trung vi c qu n l v pht tri n ngu n nhn l c - Hi n nay vi c qu n l, pht tri n ngu n nhn l c c a cc doanh nghi p b o

hi m Vi t Nam cn ch a c quan tm y . a ph n nhn vin v qu n l lm vi c trong mi tr ng p l c cao nh ng l i khng c trang b y cc lm vi c hon ch nh c ng nh cc k thu t c n b n c th gi i quy t v n pht sinh m t cch nhanh nh y. Ch y u h lm vi c theo kinh nghi m b n thn, kinh nghi m c a nh ng ng i i tr c v th c hi n m t cch kh my mc

- Cc doanh nghi p a ph n ch d ng l i vi c tr l ng th ng, th c hi n cc ngh a v i v i ng i lao ng do nh n c qui nh, d n n vi c ch y mu ch t xm sang cc doanh nghi p c v n u t n c ngoi, c b dy kinh nghi m v thu ht, qu n lv pht tri n ngu n nhn l c. V v y trong ti n trnh h i nh p ang n, cc doanh nghi p b o hi m ph i nh n th c c t m quan tr ng c a vi c qu n l v pht tri n ngu n nhn l c. T p trung ngu n kinh ph, xyd ng cc ch ng trnh o t o i ng cn b c trnh theo cc chu n m c qu c t .


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* S d ng t i a, c hi u qu ngu n v n u t c a cc doanh nghi p b o hi m s d ng c hi u qu ngu n v n huy ng c, cc doanh nghi p b o hi m c n:

Xy d ng chi n l c u t , danh m c u t ti chnh ph h p trong m i giai o n, t ng lo i ti s n u t nh u t tr c ti p, u t gin ti p, ng th i

chuy n d ch u t m t cch linh ho t gi a cc ti s n u t ny cho ph h p v i ho t ng kinh doanh c a doanh nghi p, v i s pht tri n kinh t v s pht tri n c a th tr ng v n trong m i giai o n. Nng cao tnh chuyn nghi p trong u t . V v i s pht tri n m nh m c a cc th tr ng v n, th tr ng ti chnh trong v ngoi n c c ng nh s pht tri n c a cc cng c ti chnh ti s n ti chnh th vi c c m t i ng cn b chuyn nghi p gi i, am hi u v th tr ng ti chnh v u t ti chnh

th c hi n cc ho t ng u t l r t c n thi t, n gp ph n m b o th c hi n cc ho t ng u t an ton, hi u qu . Hi n i ha cng ngh trong l nh v c kinh doanh b o hi m trn c s th c hi n chi n l c u t pht tri n cng ngh c a ton h th ng. Thnh l p qu u t , qu tn thc v cng ty qu n l v n u t theo qui nh c a php lu t t o c u n i gi a cc ngu n v n ng n h n v nhu c u v n di h n trn th tr ng. Xc nh r ngu n v n u t , c c u, l ng ti n t m th i nhn r i c a doanh nghi p trn c s c k ho ch u t nh m nng cao n ng l c u t ngu n v n ny c a cc doanh nghi p b o hi m.

T p trung cc hnh th c u t di h n, pht hnh thm c phi u, tri phi u v tham gia th tr ng ch ng khon, u t vo cc l nh v c s n xu t, kinh doanh v xy d ng pht tri n c s h t ng theo qui nh c a php lu t, m b o cho cng tc qu n l, h ch ton hay vi c th c hi n chi tr , th c hi n quy t nh u t Ki n ton h th ng ph c v khch hng, hu n luy n nng cao tnh chuyn nghi p c a h th ng i l trn c s ng i i l l c u n i th c s gi a khch hng v cng ty, h ph i hnh ng v l i ch c a c b o hi m bn ch khng ph i c a ring mnh. Cc cng ty b o hi m c ng ph i t p trung y m nh tuyn

truy n v t v n cho ng i dn hi u r h n v l i ch c a b o hi m l b o v ti chnh khi r i ro x y ra. *Hon thi n c ch php l

Ngoi cc n l c c a cc doanh nghi p b o hi m th v pha nh n c, c n t o c ch , mi tr ng php l ph h p, c nh tranh bnh ng, ng th i ti n hnh qu n l gim st ch t ch nh m m b o cho cc doanh nghi p b o hi m ho t


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ng v pht tri n n nh, nng cao n ng l c ti chnh, n ng l c kinh doanh c a cc doanh nghi p b o hi m.

4. Nhng kt qu t c sau khi gia nhp WTO

Nhng thnh tu ca nm 2007 chng t th trng BHVN tip tc phttrin trong nm u tin gia nhp WTO

Nng lc ti chnh:

n v: t ng

Doanh nghip Vn iul

Vn ch s hu

Tng tisn

Phi nhn th

13 DNVN

9 DN nc ngoi

7.376

6.185

1.191

8.680

7.670

1.016

17.369

15.796

1.573Nhn th

1 DNVN

8 DN nc ngoi

5.940

1.500

4.440

5.624

1.502

4.122

39.417

13.990

24.426

Ti BH (1) 672 614 1.215Mi gii BH (8) 424 Tng cng so vi2006

14.030,4 14.918

212,5%

58.001

146,1%

Doanh thu:

n v: t ng

Lnh vc 2006 2007 %Phi nhn th

Nhn th

6.381

8.48

8.359

9.45

31%

12%


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1 8

D phng nghip v:

n v: t ng

Lnh vc 2006 2007 Tng trngPhi nhn th

DNVN

DN nc ngoi

3.489

3.317

171

4.333

4.101

231

24,2%

Nhn th

DNVN

DN nc ngoi

24.219

10.793

13.426

31.152

12.215

18.936

28,6%

Tng cng 27.70835.48528%

u t:

n v: t ng

Lnh vc 2006 2007 Tngtrng

Phi nhn th

DNVN

DN nc ngoi

4.740

4.134

606

11.495

10.228

1.266

42,5%

Nhn th 25.323 32.568 28,6%


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DNVN

DN nc ngoi

10.888

14.435

12.842

19.726Tng cng 30.063 44.063 46,5%

Nhng kt qu trn y cho thy th trng BHVN c nhng bctng trng r rt sau mt nm gia nhp WTO. C hi em li khi VN gianhp WTO, kinh t x hi pht trin l v cng thun li cho ngnh BH phttrin. Song, hi nhp quc t cng su rng bao nhiu th nh hng ca nn tichnh, kinh t ton cu ti VN cng ln by nhiu. Cui nm 2007, khnghong tn dng M, gi xng du, st thp, la go tng t bin lm nh

hng ti VN. Cng vi yu km trong iu hnh kinh t lm cho lm phtvt qu 2 con s. Th trng vng, la, chng khon, bt ng sn, la go,xi mng c nhng bin ng bt thng trong u nm 2008 nh hng nnn kinh t x hi ni chung v ngnh bo him ni ring. Nhng s liu thtrng bo him 3 thng u nm 2008, doanh thu bo him phi nhn th t8.360 t ng (tng 31%), doanh thu bo him nhn th t 9.486 t ng (tng11.84%) chng minh ngnh bo him vn tip tc tng trng trc nhng

bin ng trn.

Kt qu nm 2008 v nhng thng u nm 2009

Theo Hip hi Bo him Vit Nam, trong nm 2008 hu ht cc doanh nghipbo him u tng trng doanh thu v li, ring phn li nhun t hot ngu t ca cc doanh nghip bo him t mc tng cao nht t trc tinay.c bit, giai on gia nm 2008, Nh nc thc hin chnh sch tht chttin t, lm cho li sut tin gi ngn hng tng cao (c ngn hng hn18%/nm), li sut bnh qun c nm t 10% - 12%/nm.

i vi cc doanh nghip bo him phi nhn th, li t hot ng u t khng

nhng l ngun li nhun chia li c ng m cn l mt cu cnh cho ccdoanh nghip ny ang c thc trng kt qu kinh doanh bo him l con s mkhi ph bo him khng b p c bi thng, chi ph v trch lp d phngtheo quy nh ca B Ti chnh.


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Nm 2008, tng doanh thu ph bo him phi nhn th ton th trng t xpx 10.900 t ng, tng trng 30%, vt ch tiu chin lc th trng bohim n nm 2010 ti 21% (ch tiu t ra l 9.000 t ng).

Top 5 doanh nghip bo him c doanh thu cao l Bo Vit 3.305 t ng, PVI2.016 t ng, Bo Minh 1.981 t ng, PJICO 1.061 t ng, PTI t 429t ng.

Chnh v vy, i vi bo him phi nhn th, vic chm dt tnh trng ccnghip v bo him kinh doanh c kt qu m ang c t ln hng u v bhn ch ngun b p t li u t. Khng nn qu ch trng tng trng doanhthu chim lnh th phn m qun i hiu qu kinh doanh.

Khi doanh nghip bo him nhn th cng t doanh thu 10.334 t ng. Top

5 doanh nghip bo him c doanh thu cao l Prudential 4.270 t ng, BoVit 3.425 t ng, Manulife 1.072 t ng, AIG 634 t ng, Dai-ichi 585 tng.

Tuy vy, nm 2009, khng hong kinh t ton cu tip tc nh hng ti nnkinh t Vit Nam. Trong nhng thng u nm, ch s VN-Index v li sut tingi ngn hng lun gim s nh hng n s li u t ca cc doanh nghip

bo him, tt nhin s thp hn nhiu so vi nm 2008.

Theo khuyn co ca Hip hi Bo him Vit Nam, cc doanh nghip bo him

nhn th cn c nhng gii php tho g kh khn cho nhng ngi ang thamgia bo him b gim st thu nhp do nh hng ca khng hong kinh t c thtip tc tham gia bo him, khng phi chm dt hp ng bo him trc hnv thu ht c nhiu ngi tham gia bo him.

5. nh gi xu hng pht trin ca th trng BHKD VN sau khi gianhp

*Nhu cu v cc sn phm bo him cng nh cht lng bo him ngycng tng. Do s pht trin ca kinh t v thu nhp ca ngi dn ang tngcao.

* S ngy cng c nhiu sn phm bo him mi, phc v nhu cu bohim a dng ca cc t chc, c nhn, v d nh cc sn phm tn dng xutkhu, bo him nng nghip, bo him bo lnh, bo him vi m... phc v nhucu a dng ca cc c nhn trong v ngoi nc.

*Do yu cu ca c quan qun l, v nng cao sc cnh tranh trn thtrng, cht lng phc v khch hng ca cc doanh nghip bo him cng


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nh h thng qun tr doanh nghip s ngy cng tt hn, hin i hn. ngch l trn th trng bo him s c hin tng mua, bn, chuyn nhng

phn vn do mt s nh u t khng c kh nng huy ng thm vn u tcho doanh nghip theo quy nh mi.

* Trong tng lai, th trng bo him s c tc ng ln n nn tichnh v kinh t khi n pht trin n mc cao hn v quy m v phc tp.c bit l s tng cng lin kt gia cc cng ty bo him v ngn hng.Vic tham gia cung cp sn phm bo him ca ngn hng c th nhiu cp khc nhau tu theo tha thun v hnh thc lin kt gia ngn hng vi cngty bo him:

- Hai bn k kt hp ng tha thun phn phi: Ngn hng k tha thun phnphi sn phm vi cng ty bo him, trong ngn hng ng vai tr l ngi

i din bn hng hoc ngi mi gii bo him cho cng ty bo him. Ngnhng phn phi cc sn phm bo him (bn ring r hoc bn cng vi cc sn

phm ngn hng) nhn hoa hng. Trng hp ny, hai bn khng cn hocch chia s mt t c s d liu khch hng v khng cn phi u t nhiu vc s vt cht cho quan h hp tc ny.

- Ngn hng v cng ty bo him nm gi c phn ca nhau: ngn hng s cungcp sn phm cho cc cng ty bo him vi t cch l ng minh chin lcca nhau. Trng hp ny hai bn c mc kt hp cao hn trong vic cung

cp sn phm v qun l knh phn phi, c th c s chia s c s d liukhch hng v i hi phi u t ng mc vo cng ngh thng tin v nhns bn hng.

- Ngn hng v cng ty bo him gp vn lin doanh cng thnh lp mt cngty bo him mi: ngn hng v cng ty bo him cng s hu v sn phm vkhch hng, cng chia s c s d liu khch hng. Cp ny i hi phi cs cam kt mnh m v di hn t hai pha v chin lc phn phi sn phm,v c s vt cht

- Ngn hng mua ton b hoc mt phn cng ty bo him hoc thnh lp mtcng ty bo him mi, trong tng lai s hnh thnh tp on dch v ti chnhngn hng: cp ny, cc hot ng v h thng phn phi c kt hphon ton, c kh nng cao trong vic s dng c s d liu khch hng dhinc v cung cp cc dch v khc ca ngn hng.

*ng dng thng mi in t trong kinh doanh bo him. Vit Nam,


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giao dch mt i mt vn l hnh thc ph bin v hu hiu nht. Phng phpmarketing trc tip nh bn bo him qua Internet hay thng mi in t, mttrong nhng th mnh v cng ngh ca doanh nghip bo him nc ngoi.Vic Vit nam gia nhp WTO, s pht trin ca cng ngh thng tin cng vicng canh tranh trn th trng bo him ngy cng ln th vic ng dngthng mi in t trong hot ng kinh doanh bo him Vit Nam l khngxa.B. K t lu n

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