{"id":10375,"date":"2020-05-19T16:41:10","date_gmt":"2020-05-19T09:41:10","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=10375"},"modified":"2022-03-02T16:50:43","modified_gmt":"2022-03-02T09:50:43","slug":"2-996-thu-hang-nghin-ty-moi-nam-tu-bao-hiem-xe-may-oto","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/2-996-thu-hang-nghin-ty-moi-nam-tu-bao-hiem-xe-may-oto\/","title":{"rendered":"2.996. Thu h\u00e0ng ngh\u00ecn t\u1ef7 m\u1ed7i n\u0103m t\u1eeb b\u1ea3o hi\u1ec3m xe m\u00e1y, \u00f4t\u00f4"},"content":{"rendered":"

(Zing) – B\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi \u0111\u00f3ng vai tr\u00f2 l\u00e0 ngu\u1ed3n thu quan tr\u1ecdng c\u1ee7a h\u00e0ng lo\u1ea1t c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u1edbn t\u1ea1i Vi\u1ec7t Nam.<\/strong><\/h4>\n

Th\u1ecb tr\u01b0\u1eddng trong n\u01b0\u1edbc hi\u1ec7n nay c\u00f3 h\u00e0ng ch\u1ee5c c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd kinh doanh trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi (\u00f4t\u00f4, xe m\u00e1y\u2026). Trong \u0111\u00f3, h\u1ea7u h\u1ebft c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi \u0111ang l\u00e0 ngu\u1ed3n thu l\u1edbn nh\u1ea5t, m\u1ed7i n\u0103m mang v\u1ec1 h\u00e0ng tr\u0103m cho t\u1edbi h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng doanh thu.<\/p>\n

Thu ti\u1ec1n t\u1ef7 m\u1ed7i ng\u00e0y t\u1eeb b\u1ea3o hi\u1ec3m \u00f4t\u00f4, xe m\u00e1y<\/strong><\/p>\n

N\u1eb1m trong nh\u00f3m c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u1edbn nh\u1ea5t Vi\u1ec7t Nam, T\u1ed5ng c\u00f4ng ty CP B\u1ea3o hi\u1ec3m B\u01b0u \u0111i\u1ec7n (PTI) c\u0169ng l\u00e0 \u0111\u01a1n v\u1ecb c\u00f3 doanh s\u1ed1 b\u00e1n b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi thu\u1ed9c h\u00e0ng l\u1edbn nh\u1ea5t th\u1ecb tr\u01b0\u1eddng.<\/p>\n

Trong n\u0103m g\u1ea7n nh\u1ea5t (2019), ri\u00eang doanh thu thu\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi t\u1ea1i PTI l\u00ean t\u1edbi\u00a02.202 t\u1ef7 \u0111\u1ed3ng. S\u1ed1 n\u00e0y t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi 69% t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m thu\u1ea7n c\u1ee7a c\u00f4ng ty trong c\u1ea3 n\u0103m.<\/p>\n

T\u00ednh b\u00ecnh qu\u00e2n, m\u1ed7i ng\u00e0y trong n\u0103m 2019, PTI l\u1ea1i b\u00e1n \u0111\u01b0\u1ee3c h\u01a1n 6 t\u1ef7 ti\u1ec1n b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi.<\/p>\n\n\n\n\n
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B\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi \u0111ang l\u00e0 ngu\u1ed3n thu quan tr\u1ecdng nh\u1ea5t t\u1ea1i nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd. \u1ea2nh:\u00a0H\u01b0\u01a1ng Ly.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

N\u0103m 2018 tr\u01b0\u1edbc \u0111\u00f3, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi c\u0169ng mang v\u1ec1 cho \u0111\u01a1n v\u1ecb n\u00e0y h\u01a1n\u00a01.800 t\u1ef7 \u0111\u1ed3ng\u00a0doanh thu, chi\u1ebfm 71% doanh thu ph\u00ed b\u1ea3o hi\u1ec3m thu\u1ea7n.<\/p>\n

L\u00e0 m\u1ea3ng kinh doanh quan tr\u1ecdng nh\u1ea5t, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi t\u1ea1i PTI c\u0169ng duy tr\u00ec \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng trong nhi\u1ec1u n\u0103m g\u1ea7n \u0111\u00e2y v\u1edbi m\u1ee9c t\u0103ng 2 ch\u1eef s\u1ed1. T\u00ednh ri\u00eang qu\u00fd I\/2020, trong\u00a0962 t\u1ef7 \u0111\u1ed3ng\u00a0doanh thu ph\u00ed b\u1ea3o hi\u1ec3m thu\u1ea7n c\u1ee7a PTI, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi c\u0169ng \u0111\u00f3ng g\u00f3p ph\u1ea7n l\u1edbn.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi c\u0169ng \u0111ang l\u00e0 ngu\u1ed3n thu l\u1edbn nh\u1ea5t t\u1ea1i h\u00e0ng lo\u1ea1t c\u00f4ng ty kh\u00e1c nh\u01b0 T\u1ed5ng c\u00f4ng ty CP B\u1ea3o hi\u1ec3m Petrolimex (PJICO); T\u1ed5ng c\u00f4ng ty CP B\u1ea3o Hi\u1ec3m B\u1ea3o Long; T\u1ed5ng c\u00f4ng ty B\u1ea3o hi\u1ec3m BIDV (BIC); C\u00f4ng ty CP B\u1ea3o hi\u1ec3m AAA; T\u1ed5ng c\u00f4ng ty CP B\u1ea3o hi\u1ec3m Qu\u00e2n \u0111\u1ed9i (MIC)\u2026<\/p>\n

C\u00f9ng c\u00f3 doanh thu ngh\u00ecn t\u1ef7 t\u1eeb b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi, n\u0103m 2019, lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y mang v\u1ec1 cho PJICO\u00a01.284 t\u1ef7 \u0111\u1ed3ng\u00a0doanh thu thu\u1ea7n, \u0111\u00f3ng g\u00f3p 57% t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m thu\u1ea7n h\u1ee3p nh\u1ea5t.<\/p>\n

Nhi\u1ec1u n\u0103m li\u00ean ti\u1ebfp, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi c\u0169ng \u0111\u00f3ng vai tr\u00f2 ngu\u1ed3n thu ch\u00ednh cho PJICO v\u1edbi doanh s\u1ed1 tr\u00ean\u00a01.000 t\u1ef7 \u0111\u1ed3ng\/n\u0103m.<\/p>\n

C\u00f9ng n\u0103m, MIC ghi nh\u1eadn doanh thu ph\u00ed b\u1ea3o hi\u1ec3m thu\u1ea7n \u0111\u1ea1t\u00a01.638 t\u1ef7 \u0111\u1ed3ng, trong \u0111\u00f3\u00a0972 t\u1ef7 \u0111\u1ed3ng\u00a0(59%) \u0111\u1ebfn t\u1eeb b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi. So v\u1edbi n\u0103m 2018, lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y c\u1ee7a MIC \u0111\u00e3 ghi nh\u1eadn \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng 34% trong khi t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m thu\u1ea7n ch\u1ec9 t\u0103ng h\u01a1n 10%.<\/p>\n\n\n\n\n
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V\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m quy m\u00f4 nh\u1ecf h\u01a1n, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi m\u1ed7i n\u0103m c\u0169ng mang v\u1ec1 cho doanh nghi\u1ec7p h\u00e0ng tr\u0103m t\u1ef7 \u0111\u1ed3ng nh\u01b0 B\u1ea3o hi\u1ec3m B\u1ea3o Minh \u0111\u1ea1t\u00a0796 t\u1ef7 \u0111\u1ed3ng; BIC thu h\u01a1n\u00a0712 t\u1ef7 \u0111\u1ed3ng; B\u1ea3o hi\u1ec3m VietinBank – VBI thu h\u01a1n\u00a0431 t\u1ef7 \u0111\u1ed3ng\u2026<\/p>\n

T\u1ef7 l\u1ec7 chi tr\u1ea3 b\u1ea3o hi\u1ec3m \u00f4t\u00f4, xe m\u00e1y ra sao?<\/strong><\/p>\n

L\u00e0 m\u1ea3ng kinh doanh l\u1edbn nh\u1ea5t t\u1ea1i nhi\u1ec1u c\u00f4ng ty, nh\u01b0ng b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi l\u1ea1i l\u00e0 m\u1ea3ng c\u00f3 t\u1ef7 l\u1ec7 ph\u1ea3i chi b\u1ed3i th\u01b0\u1eddng\/doanh thu cao h\u01a1n nhi\u1ec1u so v\u1edbi c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n

Nh\u01b0 t\u1ea1i PTI, v\u1edbi doanh s\u1ed1 b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi\u00a02.202 t\u1ef7 \u0111\u1ed3ng\u00a0(n\u0103m 2019), doanh nghi\u1ec7p n\u00e0y c\u0169ng ph\u1ea3i chi ra\u00a01.108 t\u1ef7 \u0111\u1ed3ng\u00a0ti\u1ec1n b\u1ed3i th\u01b0\u1eddng trong n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng t\u1ef7 l\u1ec7 chi tr\u1ea3\/doanh thu h\u01a1n 50%. T\u1ef7 l\u1ec7 n\u00e0y trong n\u0103m 2018 c\u0169ng l\u00e0 53%.<\/p>\n

Trong khi \u0111\u00f3, t\u1ea1i c\u00f9ng c\u00f4ng ty n\u00e0y, ngu\u1ed3n thu l\u1edbn th\u1ee9 2 – b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o hi\u1ec3m tai n\u1ea1n con ng\u01b0\u1eddi n\u0103m qua mang v\u1ec1\u00a02.225 t\u1ef7 \u0111\u1ed3ngdoanh thu ph\u00ed (ch\u01b0a tr\u1eeb\u00a01.342 t\u1ef7 \u0111\u1ed3ng\u00a0ph\u00ed nh\u01b0\u1ee3ng t\u00e1i b\u1ea3o hi\u1ec3m cho c\u00f4ng ty kh\u00e1c) th\u00ec doanh nghi\u1ec7p n\u00e0y ch\u1ec9 ph\u1ea3i chi ra\u00a0544 t\u1ef7 \u0111\u1ed3ng\u00a0ti\u1ec1n b\u1ed3i th\u01b0\u1eddng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng t\u1ef7 l\u1ec7 chi tr\u1ea3 ch\u01b0a t\u1edbi 25%.<\/p>\n

T\u01b0\u01a1ng t\u1ef1, c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m kh\u00e1c c\u0169ng c\u00f3 t\u1ef7 l\u1ec7 chi tr\u1ea3 th\u1ea5p h\u01a1n so v\u1edbi b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi nh\u01b0 38% v\u1edbi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m thi\u1ec7t h\u1ea1i; 20% v\u1edbi b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5\u2026<\/p>\n

\u0110i\u1ec1u t\u01b0\u01a1ng t\u1ef1 c\u0169ng di\u1ec5n ra t\u1ea1i c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd kh\u00e1c khi c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m li\u00ean quan t\u1edbi xe c\u1ed9, h\u00e0ng h\u00f3a v\u1eadn chuy\u1ec3n th\u01b0\u1eddng c\u00f3 t\u1ef7 l\u1ec7 ph\u1ea3i chi tr\u1ea3\/doanh thu cao h\u01a1n so v\u1edbi b\u1ea3o hi\u1ec3m li\u00ean quan con ng\u01b0\u1eddi.<\/p>\n\n\n\n\n
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Trong \u0111\u00f3, t\u1ef7 l\u1ec7 chi tr\u1ea3\/doanh thu b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi t\u1ea1i PJICO n\u0103m v\u1eeba qua c\u0169ng x\u1ea5p x\u1ec9 50% khi thu \u0111\u01b0\u1ee3c\u00a01.284 t\u1ef7 \u0111\u1ed3ng\u00a0th\u00ec ph\u1ea3i chi ra\u00a0668 t\u1ef7 \u0111\u1ed3ng\u00a0\u0111\u1ec3 b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m. T\u1ef7 l\u1ec7 chi b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m g\u1ed1c v\u1edbi b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi t\u1ea1i MIC c\u0169ng l\u00e0 g\u1ea7n 40%; BIC l\u00e0 47%; B\u1ea3o Minh l\u00e0 55%; B\u1ea3o Long l\u00e0 47%…<\/p>\n

Tuy v\u1eady, c\u00f9ng v\u1edbi s\u1ef1 gia t\u0103ng v\u1ec1 l\u01b0\u1ee3ng ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n \u00f4t\u00f4, xe m\u00e1y, b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi v\u1eabn \u0111ang l\u00e0 ngu\u1ed3n thu quan tr\u1ecdng t\u1ea1i c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m phi nh\u1eadn th\u1ecd v\u1edbi \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng trong nhi\u1ec1u n\u0103m li\u00ean t\u1ee5c.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi\u00a0Zing<\/em>, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, cho bi\u1ebft nhi\u1ec1u n\u0103m qua, kh\u00e1c v\u1edbi nh\u1eefng l\u0129nh v\u1ef1c s\u1ea3n xu\u1ea5t kinh doanh, b\u1ea3o hi\u1ec3m kh\u00f4ng gi\u1ea3m chi ph\u00ed, thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7, qu\u1ea3n l\u00fd \u0111\u1ec3 gi\u1ea3m gi\u00e1 th\u00e0nh, qua \u0111\u00f3 b\u00e1n \u0111\u01b0\u1ee3c nhi\u1ec1u h\u00e0ng h\u01a1n.<\/p>\n

Theo \u0111\u00f3, c\u00e1c doanh nghi\u1ec7p l\u1ea1i c\u1ea1nh tranh nhau b\u1eb1ng c\u00e1ch t\u0103ng chi cho ph\u00ed hoa h\u1ed3ng, gi\u1ea3m gi\u00e1 b\u00e1n s\u1ea3n ph\u1ea9m. \u201cKhi chi ph\u00ed nhi\u1ec1u r\u1ed3i, kh\u00f4ng th\u1ec3 chi th\u00eam n\u1eefa s\u1ebd ph\u1ea3i t\u00ecm c\u00e1ch gi\u1ea3m chi cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/p>\n

V\u1ecb lu\u1eadt s\u01b0 cho bi\u1ebft, l\u0129nh v\u1ef1c giao th\u00f4ng c\u00f3 t\u1ef7 l\u1ec7 tai n\u1ea1n l\u1edbn, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng cao, trong khi tr\u00ean l\u00fd thuy\u1ebft, b\u1ea3o hi\u1ec3m l\u00e0 l\u1ea5y c\u1ee7a s\u1ed1 \u0111\u00f4ng \u0111\u1ec3 tr\u1ea3 cho s\u1ed1 \u00edt. N\u1ebfu kh\u00f4ng qu\u1ea3n l\u00fd qu\u1ef9 d\u1ef1 ph\u00f2ng t\u1ed1t, \u0111\u1ea3m b\u1ea3o nguy\u00ean t\u1eafc thu chi hi\u1ec7u qu\u1ea3, doanh nghi\u1ec7p c\u00f3 th\u1ec3 thua l\u1ed7, th\u1eadm ch\u00ed ph\u00e1 s\u1ea3n.<\/p>\n

V\u1ecb lu\u1eadt s\u01b0 c\u0169ng \u0111\u1ec1 c\u1eadp t\u1edbi t\u00ecnh tr\u1ea1ng, khi tai n\u1ea1n x\u1ea3y ra, vi\u1ec7c ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n nh\u1eadn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n ho\u1eb7c t\u1ef7 l\u1ec7 chi tr\u1ea3 th\u1ea5p.<\/p>\n

Trong \u0111\u00f3, th\u1ee7 t\u1ee5c k\u00ea khai nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng \u0111\u00f2i h\u1ecfi qu\u00e1 nhi\u1ec1u lo\u1ea1i gi\u1ea5y t\u1edd, ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n ch\u1ecbu thi\u1ec7t h\u1ea1i nh\u1ecf d\u1ec5 n\u1ea3n v\u00ec c\u00f4ng s\u1ee9c, chi ph\u00ed b\u1ecf ra c\u00f3 th\u1ec3 v\u01b0\u1ee3t s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng. C\u00f2n thi\u1ec7t h\u1ea1i l\u1edbn, t\u1ef7 l\u1ec7 chi tr\u1ea3 c\u0169ng b\u1ecb gi\u1ea3m b\u1edbt.<\/p>\n

\u201cNg\u00e2n h\u00e0ng y\u00eau c\u1ea7u nhi\u1ec1u th\u1ee7 t\u1ee5c l\u00e0 \u0111\u00fang, v\u00ec cho vay ph\u1ea3i ch\u1eb7t ch\u1ebd, c\u1ea7n c\u00f3 ch\u1ee9ng c\u1ee9 \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Trong khi \u0111i\u1ec1u ki\u1ec7n nh\u1eadn b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u1ec3 ch\u1ed1ng gian l\u1eadn, do \u0111\u00f3 ph\u1ea3i gi\u1ea3m thi\u1ec3u th\u1ee7 t\u1ee5c, th\u1eddi gian ph\u1ea3i nhanh\u201d, \u00f4ng \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/p>\n

Quang Th\u1eafng –\u00a0 V\u0103n H\u01b0ng<\/em><\/strong><\/p>\n

\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2013<\/p>\n

Zing (Kinh doanh T\u00e0i ch\u00ednh) 19-5-2020:<\/em><\/strong><\/p>\n

https:\/\/zingnews.vn\/thu-hang-nghin-ty-moi-nam-tu-bao-hiem-xe-may-oto-post1086186.html?fbclid=IwAR1UEiUOL_7WehgFehe5VvsOtuw9JtJW89n636XD1N78xOZmZbSwdAasf_c<\/em><\/a><\/p>\n

(305\/1.257)<\/em>","protected":false},"excerpt":{"rendered":"

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