{"id":35072,"date":"2022-12-03T08:01:00","date_gmt":"2022-12-03T01:01:00","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=35072"},"modified":"2024-12-19T16:25:07","modified_gmt":"2024-12-19T09:25:07","slug":"3-925-siet-tu-van-bao-hiem-cua-nhan-vien-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-925-siet-tu-van-bao-hiem-cua-nhan-vien-ngan-hang\/","title":{"rendered":"3.925. Si\u1ebft t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Si\u1ebft t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(TN) – To\u00e0n b\u1ed9 n\u1ed9i dung t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u01b0\u1ee3c ghi \u00e2m; c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i ki\u1ec3m tra \u0111\u1ed9c l\u1eadp n\u1ed9i dung t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng\u2026<\/h5>\n

\u0110\u00f3 l\u00e0 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh \u0111\u00e1ng ch\u00fa \u00fd trong D\u1ef1 th\u1ea3o h\u01b0\u1edbng d\u1eabn thi h\u00e0nh lu\u1eadt\u00a0Kinh doanh b\u1ea3o hi\u1ec3m\u00a0\u0111ang \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh l\u1ea5y \u00fd ki\u1ebfn.<\/p>\n

\"Si\u1ebft

Quy \u0111\u1ecbnh ghi \u00e2m n\u1ed9i dung t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c cho l\u00e0 ch\u01b0a r\u00f5, kh\u00f3 th\u1ef1c hi\u1ec7n | NH\u1eacT TH\u1ecaNH<\/p><\/div>\n

Ghi \u00e2m n\u1ed9i dung t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m v\u00e0 l\u01b0u l\u1ea1i \u00edt nh\u1ea5t 5 n\u0103m<\/h5>\n

\u0110i\u1ec1u 26 c\u1ee7a D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn m\u1ed9t s\u1ed1 \u0111i\u1ec1u v\u00e0 bi\u1ec7n ph\u00e1p thi h\u00e0nh lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m, ngh\u1ecb \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u vi\u1ec7c cung c\u1ea5p\u00a0s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m\u00a0(BH) qua t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd BH l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (NH) ph\u1ea3i \u0111\u1ea3m b\u1ea3o nguy\u00ean t\u1eafc: to\u00e0n b\u1ed9 n\u1ed9i dung t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m BH nh\u00e2n vi\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c ghi \u00e2m v\u00e0 l\u01b0u t\u1ea1i NH trong th\u1eddi h\u1ea1n \u00edt nh\u1ea5t 5 n\u0103m. B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m BH li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0,\u00a0doanh nghi\u1ec7p\u00a0BH ph\u1ea3i th\u1ef1c hi\u1ec7n ki\u1ec3m tra \u0111\u1ed9c l\u1eadp n\u1ed9i dung cung c\u1ea5p th\u00f4ng tin v\u00e0 t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean NH tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng, trong \u0111\u00f3, ph\u1ea3i c\u00f3 n\u1ed9i dung \u0111\u1ec3 ki\u1ec3m tra vi\u1ec7c kh\u00e1ch h\u00e0ng tham gia s\u1ea3n ph\u1ea9m BH l\u00e0 tr\u00ean c\u01a1 s\u1edf t\u1ef1 nguy\u1ec7n. Ngo\u00e0i ra, doanh nghi\u1ec7p BH ph\u1ea3i th\u1ef1c hi\u1ec7n ki\u1ec3m tra \u0111\u1ecbnh k\u1ef3 nh\u1eb1m \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean NH. K\u1ecbp th\u1eddi ph\u1ed1i h\u1ee3p v\u1edbi NH \u0111\u1ec3 ki\u1ec3m tra, r\u00e0 so\u00e1t, x\u1eed l\u00fd c\u00e1c khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean v\u00e0 x\u1eed l\u00fd vi ph\u1ea1m (n\u1ebfu c\u00f3). \u0110\u1ecbnh k\u1ef3 h\u1eb1ng th\u00e1ng, NH v\u00e0 doanh nghi\u1ec7p BH c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i chi\u1ebfu d\u1eef li\u1ec7u v\u1ec1 h\u1ee3p \u0111\u1ed3ng BH khai th\u00e1c m\u1edbi, doanh thu v\u00e0 h\u1ee3p \u0111\u1ed3ng BH c\u00f3 hi\u1ec7u l\u1ef1c do NH th\u1ef1c hi\u1ec7n. Doanh nghi\u1ec7p BH kh\u00f4ng \u0111\u01b0\u1ee3c k\u00fd th\u00eam h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd c\u00e1 nh\u00e2n \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e2n vi\u00ean NH \u0111ang l\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a ch\u00ednh doanh nghi\u1ec7p BH \u0111\u00f3\u2026<\/p>\n

Theo TS Nguy\u1ec5n V\u0103n Thu\u1eadn, Tr\u01b0\u1eddng \u0110H T\u00e0i ch\u00ednh – Marketing, c\u00f3 th\u1ec3 hi\u1ec3u r\u1eb1ng m\u1ee5c \u0111\u00edch c\u1ee7a quy \u0111\u1ecbnh n\u00e0y l\u00e0 \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng tr\u00e1ch nhi\u1ec7m trong ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n v\u1ec1 s\u1ea3n ph\u1ea9m BH t\u1eeb ph\u00eda c\u00e1c NH \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng. Trong b\u1ed1i c\u1ea3nh c\u00e1c NH ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng li\u00ean k\u1ebft hay l\u00e0m \u0111\u1ea1i l\u00fd b\u00e1n s\u1ea3n ph\u1ea9m BH th\u00ec c\u0169ng c\u00f3 nhi\u1ec1u ph\u00e0n n\u00e0n, ph\u1ea3n \u00e1nh c\u1ee7a ng\u01b0\u1eddi d\u00e2n khi kh\u00f4ng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n r\u00f5 r\u00e0ng v\u1ec1 s\u1ea3n ph\u1ea9m, th\u1eadm ch\u00ed b\u1ecb \u201co \u00e9p\u201d \u0111\u1ec3 mua BH khi vay v\u1ed1n. Trong khi \u0111\u00f3, b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ea3n ph\u1ea9m BH l\u00e0 ng\u01b0\u1eddi mua ph\u1ea3i t\u1ef1 nguy\u1ec7n sau khi \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n r\u00f5 v\u1ec1 t\u1ea5t c\u1ea3 \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng, quy\u1ec1n l\u1ee3i l\u1eabn tr\u00e1ch nhi\u1ec7m khi tham gia. D\u00f9 v\u1eady, \u00f4ng c\u0169ng cho r\u1eb1ng quy \u0111\u1ecbnh n\u00e0y c\u0169ng m\u1edbi ch\u1ec9 l\u00e0 th\u00eam m\u1ed9t l\u1eddi nh\u1eafc nh\u1edf cho ho\u1ea1t \u0111\u1ed9ng b\u00e1n BH c\u1ee7a NH m\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1ch h\u00e0ng khi\u1ebfu n\u1ea1i g\u1ea7n \u0111\u00e2y.<\/p>\n

Quy \u0111\u1ecbnh ch\u01b0a r\u00f5 r\u00e0ng, kh\u00f3 \u00e1p d\u1ee5ng<\/strong><\/h5>\n

Trong v\u0103n b\u1ea3n m\u1edbi g\u1eedi B\u1ed9 T\u00e0i ch\u00ednh c\u1ee7a Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p VN (VCCI) g\u00f3p \u00fd v\u1ec1 d\u1ef1 th\u1ea3o n\u00eau tr\u00ean, VCCI c\u0169ng n\u00eau th\u1eddi gian qua \u0111\u00e3 ph\u00e1t sinh m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 nh\u01b0 NH y\u00eau c\u1ea7u\u00a0kh\u00e1ch h\u00e0ng ph\u1ea3i mua BH\u00a0nh\u01b0 l\u00e0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng. \u0110\u1ed3ng th\u1eddi, m\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean NH t\u01b0 v\u1ea5n g\u00e2y hi\u1ec3u nh\u1ea7m cho kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c mua BH v\u00e0 g\u1eedi ti\u1ebft ki\u1ec7m. Vi\u1ec7c \u0111\u01b0a ra quy \u0111\u1ecbnh \u0111\u1ec3 kh\u1eafc ph\u1ee5c c\u00e1c v\u1ea5n \u0111\u1ec1 n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft. Tuy nhi\u00ean, theo VCCI, c\u00e1c n\u1ed9i dung t\u1ea1i \u0111i\u1ec1u 26 c\u1ee7a d\u1ef1 th\u1ea3o ch\u01b0a th\u1ef1c s\u1ef1 r\u00f5 r\u00e0ng v\u00e0 r\u1ea5t kh\u00f3 \u0111\u1ec3 \u00e1p d\u1ee5ng tr\u00ean th\u1ef1c t\u1ebf. C\u1ee5 th\u1ec3, quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c ph\u1ea3i ghi \u00e2m to\u00e0n b\u1ed9 n\u1ed9i dung t\u01b0 v\u1ea5n v\u00e0 l\u01b0u tr\u1eef trong th\u1eddi h\u1ea1n \u00edt nh\u1ea5t 5 n\u0103m th\u00ec c\u00e1c doanh nghi\u1ec7p kh\u00f4ng r\u00f5 s\u1ebd ph\u1ea3i th\u1ef1c hi\u1ec7n ghi \u00e2m khi t\u01b0 v\u1ea5n tr\u1ef1c ti\u1ebfp, t\u01b0 v\u1ea5n qua \u0111i\u1ec7n tho\u1ea1i, t\u01b0 v\u1ea5n qua tin nh\u1eafn, email s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u01b0 th\u1ebf n\u00e0o. B\u00ean c\u1ea1nh \u0111\u00f3, quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c doanh nghi\u1ec7p BH ph\u1ea3i ki\u1ec3m tra \u0111\u1ed9c l\u1eadp n\u1ed9i dung t\u01b0 v\u1ea5n tr\u01b0\u1edbc khi ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng BH li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo h\u00ecnh th\u1ee9c n\u00e0o (g\u1eb7p tr\u1ef1c ti\u1ebfp, g\u1ecdi \u0111i\u1ec7n, email, hay tin nh\u1eafn\u2026); c\u00e1c n\u1ed9i dung ki\u1ec3m tra l\u00e0 g\u00ec (c\u00e1c c\u00e2u h\u1ecfi n\u00e0o); vi\u1ec7c ki\u1ec3m tra n\u00e0y c\u00f3 c\u1ea7n l\u01b0u l\u1ea1i bi\u00ean b\u1ea3n, h\u1ed3 s\u01a1 hay ghi \u00e2m kh\u00f4ng? Do \u0111\u00f3, VCCI \u0111\u1ec1 ngh\u1ecb c\u01a1 quan so\u1ea1n th\u1ea3o quy \u0111\u1ecbnh r\u00f5 h\u01a1n c\u00e1c n\u1ed9i dung tr\u00ean \u0111\u1ec3 t\u1ea1o thu\u1eadn ti\u1ec7n cho qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n.<\/p>\n

\u0110\u1ed3ng t\u00ecnh, TS Nguy\u1ec5n V\u0103n Thu\u1eadn c\u0169ng cho r\u1eb1ng quy \u0111\u1ecbnh \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng mua BH nh\u01b0ng hi\u1ec7n ch\u01b0a n\u00eau r\u00f5 chi ti\u1ebft. Ch\u1eb3ng h\u1ea1n, c\u00f3 th\u1ec3 nh\u00e2n vi\u00ean NH v\u1eabn t\u01b0 v\u1ea5n \u0111\u00fang h\u1ee3p \u0111\u1ed3ng nh\u01b0ng m\u1edbi ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n v\u00e0 \u201cb\u1ecf l\u01a1\u201d m\u1ed9t s\u1ed1 \u0111i\u1ec1u quan tr\u1ecdng kh\u00e1c. Gi\u1ea3 s\u1eed trong h\u1ee3p \u0111\u1ed3ng BH c\u00f3 30 \u0111i\u1ec1u kho\u1ea3n th\u00ec nh\u00e2n vi\u00ean NH khi t\u01b0 v\u1ea5n ch\u1ec9 n\u00f3i \u0111\u1ebfn 25 \u0111i\u1ec1u kho\u1ea3n trong khi kh\u00f4ng nh\u1eafc \u0111\u1ebfn 5 \u0111i\u1ec1u kho\u1ea3n c\u00f2n l\u1ea1i m\u00e0 \u0111\u00f3 l\u1ea1i l\u00e0 nh\u1eefng l\u01b0u \u00fd quan tr\u1ecdng kh\u00e1ch h\u00e0ng c\u1ea7n bi\u1ebft. B\u1ea3n th\u00e2n kh\u00e1ch h\u00e0ng \u0111\u1eb7t b\u00fat k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng BH th\u00ec \u0111\u00e3 ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ph\u1ea3i th\u1ef1c hi\u1ec7n theo to\u00e0n b\u1ed9 n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng. H\u01a1n n\u1eefa, n\u1ebfu x\u1ea3y ra tranh ch\u1ea5p gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c doanh nghi\u1ec7p BH th\u00ec b\u1ea3n ghi \u00e2m c\u1ee7a nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u0169ng kh\u00f4ng \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 x\u1eed l\u00fd b\u1ea5t k\u1ef3 tr\u01b0\u1eddng h\u1ee3p n\u00e0o. Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng l\u00e0m thay \u0111\u1ed5i hay \u1ea3nh h\u01b0\u1edfng g\u00ec t\u1edbi ho\u1ea1t \u0111\u1ed9ng b\u00e1n BH c\u1ee7a c\u00e1c NH hi\u1ec7n nay hay c\u00e1c ph\u1ea3n \u00e1nh v\u1ec1 t\u00ecnh tr\u1ea1ng kh\u00f4ng r\u00f5 r\u00e0ng trong t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m, n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng BH. V\u00ec v\u1eady \u00f4ng cho r\u1eb1ng b\u1ea3n th\u00e2n kh\u00e1ch h\u00e0ng ph\u1ea3i t\u1ef1 t\u00ecm hi\u1ec3u, y\u00eau c\u1ea7u nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n BH cung c\u1ea5p b\u1ea3ng minh h\u1ecda s\u1ea3n ph\u1ea9m \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ec3 tr\u00e1nh c\u00e1c hi\u1ec3u l\u1ea7m. Sau \u0111\u00f3 c\u00f3 th\u1ec3 y\u00eau c\u1ea7u \u0111\u01b0a h\u1ee3p \u0111\u1ed3ng m\u1eabu \u0111\u1ec3 nghi\u00ean c\u1ee9u tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh c\u00f3 mua BH hay kh\u00f4ng\u2026<\/p>\n

Ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c \u201cg\u1ed1c\u201d c\u1ee7a v\u1ea5n \u0111\u1ec1<\/strong><\/h5>\n

B\u00e0n v\u1ec1 quy \u0111\u1ecbnh m\u1edbi l\u00e0 to\u00e0n b\u1ed9 n\u1ed9i dung t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m BH c\u1ee7a nh\u00e2n vi\u00ean NH ph\u1ea3i \u0111\u01b0\u1ee3c ghi \u00e2m v\u00e0 l\u01b0u t\u1ea1i NH trong th\u1eddi h\u1ea1n \u00edt nh\u1ea5t 5 n\u0103m, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>\u00a0– cho r\u1eb1ng kh\u00e1 ph\u1ee9c t\u1ea1p \u0111\u1ec3 th\u1ef1c hi\u1ec7n. Ch\u1eb3ng h\u1ea1n, ghi \u00e2m \u1edf \u0111\u00e2u? Ghi \u00e2m l\u1ea7n t\u01b0 v\u1ea5n \u0111\u1ea7u ti\u00ean hay nh\u1eefng l\u1ea7n sau \u0111\u00f3 c\u00f3 ghi \u00e2m hay kh\u00f4ng? V\u00ec th\u00f4ng th\u01b0\u1eddng c\u0169ng c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ph\u1ea3i c\u00f3 nhi\u1ec1u bu\u1ed5i t\u01b0 v\u1ea5n v\u1ec1 BH cho kh\u00e1ch h\u00e0ng. N\u1ebfu nh\u01b0 ghi \u00e2m t\u1ea1i qu\u1ea7y t\u00edn d\u1ee5ng l\u00e0 kh\u00e1 phi\u1ec1n khi xung quanh l\u1ea1i qu\u00e1 \u0111\u00f4ng kh\u00e1ch h\u00e0ng. H\u01a1n n\u1eefa, c\u00f3 ai ki\u1ec3m tra n\u1ed9i dung ghi \u00e2m \u0111\u00f3 hay kh\u00f4ng? Hay sau 3 – 4 n\u0103m khi c\u1ea7n ki\u1ec3m tra v\u00e0 gi\u1edf b\u1ea3n ghi \u00e2m ra th\u00ec n\u1ed9i dung ho\u00e0n to\u00e0n tr\u1ed1ng. Ho\u1eb7c c\u00f3 ai ki\u1ec3m tra, gi\u00e1m \u0111\u1ecbnh kh\u00e1ch h\u00e0ng trong b\u1ea3n ghi \u00e2m \u0111\u00f3 l\u00e0 \u0111\u00fang \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ea7n \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 s\u1ea3n ph\u1ea9m BH hay l\u1ea1i l\u00e0 m\u1ed9t ng\u01b0\u1eddi ho\u00e0n to\u00e0n kh\u00e1c? B\u1edfi n\u1ebfu kh\u00f4ng c\u00f3 ng\u01b0\u1eddi ki\u1ec3m tra, gi\u00e1m s\u00e1t th\u00ec c\u0169ng s\u1ebd c\u00f3 th\u1ec3 xu\u1ea5t hi\u1ec7n t\u00ecnh tr\u1ea1ng b\u1ea3n ghi \u00e2m \u0111\u01b0\u1ee3c l\u00e0m gi\u1ea3 c\u1ee7a c\u00e1c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n BH hay ch\u1ec9 l\u00e0m cho c\u00f3 l\u1ec7.\u00a0<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0nh\u1ea5n m\u1ea1nh: B\u1ea3n ch\u1ea5t l\u00e0 c\u00f4ng ty BH ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh, t\u1eeb vi\u1ec7c c\u00f4ng b\u1ed1 h\u1ee3p \u0111\u1ed3ng m\u1eabu \u0111\u1ebfn cu\u1ed1i c\u00f9ng l\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi ng\u01b0\u1eddi mua c\u0169ng nh\u01b0 sau \u0111\u00f3 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng, tr\u00e1ch nhi\u1ec7m BH. V\u00ec v\u1eady, m\u00f4i gi\u1edbi BH hay c\u00e1c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n d\u00f9 l\u00e0 \u0111\u1ea1i l\u00fd hay c\u1ee7a ch\u00ednh doanh nghi\u1ec7p BH, c\u1ee7a NH \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o c\u00f3 \u0111\u1ee7 tr\u00ecnh \u0111\u1ed9, quy chu\u1ea9n \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng. C\u00e1c c\u00f4ng ty BH ph\u1ea3i \u0111\u1ea3m b\u1ea3o quy tr\u00ecnh x\u00e1c nh\u1eadn l\u1ea1i l\u1ea7n cu\u1ed1i ph\u00eda kh\u00e1ch h\u00e0ng \u0111\u00e3 hi\u1ec3u r\u00f5 ho\u00e0n to\u00e0n s\u1ea3n ph\u1ea9m m\u00e0 h\u1ecd s\u1ebd mua. Th\u1eadm ch\u00ed, c\u00f4ng ty BH ph\u1ea3i cung c\u1ea5p th\u00f4ng tin t\u00f3m t\u1eaft v\u1ec1 s\u1ea3n ph\u1ea9m r\u00f5 r\u00e0ng v\u00e0 c\u00f3 th\u1ec3 y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng k\u00fd v\u00e0o t\u1eebng \u0111i\u1ec1u m\u1ed9t \u0111\u1ec3 h\u1ecd x\u00e1c nh\u1eadn r\u1eb1ng \u0111\u00e3 n\u1eafm chi ti\u1ebft, tr\u00e1nh c\u00e1c hi\u1ec3u l\u1ea7m d\u1eabn \u0111\u1ebfn ph\u00e1t sinh tranh ch\u1ea5p v\u1ec1 sau. V\u00ec v\u1eady, quy \u0111\u1ecbnh ph\u1ea3i ghi \u00e2m n\u1ed9i dung t\u01b0 v\u1ea5n BH c\u1ee7a nh\u00e2n vi\u00ean NH theo \u00f4ng l\u00e0 kh\u00f4ng ph\u00f9 h\u1ee3p v\u00e0 c\u0169ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c \u201cv\u1ea5n n\u1ea1n\u201d trong cu\u1ed9c ch\u1ea1y \u0111ua b\u00e1n BH c\u1ee7a c\u00e1c NH.\u00a0<\/em><\/p>\n

M\u1edbi \u0111\u00e2y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) chi nh\u00e1nh TP.HCM cho bi\u1ebft v\u1eeba nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh c\u1ee7a c\u00e1c hi\u1ec7p h\u1ed9i doanh nghi\u1ec7p, h\u1ed9i doanh nghi\u1ec7p TP v\u00e0 h\u1ed9i doanh nghi\u1ec7p ng\u00e0nh ngh\u1ec1 tr\u00ean \u0111\u1ecba b\u00e0n v\u1ec1 vi\u1ec7c khi “doanh nghi\u1ec7p mu\u1ed1n vay v\u1ed1n ph\u1ea3i mua b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng xem x\u00e9t cho vay”. Vi\u1ec7c l\u00e0m n\u00e0y \u0111\u00e3 l\u00e0m t\u0103ng th\u00eam chi ph\u00ed v\u1ed1n cho doanh nghi\u1ec7p trong b\u1ed1i c\u1ea3nh c\u00e1c chi ph\u00ed \u0111\u1ea7u v\u00e0o \u0111ang c\u00f3 xu h\u01b0\u1edbng t\u0103ng c\u0169ng nh\u01b0 kh\u00f4ng \u0111\u00fang tinh th\u1ea7n c\u1ea3i c\u00e1ch h\u00e0nh ch\u00ednh c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc t\u00ecnh h\u00ecnh n\u00e0y, NHNN chi nh\u00e1nh TP.HCM y\u00eau c\u1ea7u c\u00e1c NH tr\u00ean \u0111\u1ecba b\u00e0n nghi\u00eam t\u00fac th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a NHNN li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. R\u00e0 so\u00e1t to\u00e0n h\u1ec7 th\u1ed1ng, x\u1eed l\u00fd nghi\u00eam nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u201c\u00e9p\u201d kh\u00e1ch h\u00e0ng mua c\u00e1c lo\u1ea1i BH kh\u00f4ng th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft khi c\u1ea5p t\u00edn d\u1ee5ng, b\u1ea3o \u0111\u1ea3m ph\u00ea duy\u1ec7t h\u1ed3 s\u01a1, gi\u1ea3i ng\u00e2n\u2026<\/p>\n

Mai<\/strong> Ph\u01b0\u01a1ng<\/strong><\/h5>\n

——————-<\/p>\n

Thanh<\/em><\/strong> ni\u00ean (T\u00e0i ch\u00ednh KD) 03-12-2022:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/siet-tu-van-bao-hiem-cua-nhan-vien-ngan-hang-post1527950.html<\/a><\/em><\/p>\n

(428\/1.755) #baohiem #VCCI #NHNN #ANVI<\/em>","protected":false},"excerpt":{"rendered":"

Si\u1ebft t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng (TN) – To\u00e0n b\u1ed9 n\u1ed9i dung t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u01b0\u1ee3c ghi \u00e2m; c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i ki\u1ec3m tra \u0111\u1ed9c l\u1eadp n\u1ed9i dung t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng\u2026 \u0110\u00f3 l\u00e0 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh […]<\/p>\n","protected":false},"author":2,"featured_media":35073,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51,34,36],"class_list":["post-35072","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.925. 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