{"id":35914,"date":"2023-02-24T08:44:32","date_gmt":"2023-02-24T01:44:32","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=35914"},"modified":"2024-12-03T15:08:40","modified_gmt":"2024-12-03T08:08:40","slug":"3-405-ban-bao-hiem-qua-ngan-hang-tu-ga-de-trung-vang-den-noi-am-anh-cua-ca-khach-hang-va-nhan-vien-nha-bang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-405-ban-bao-hiem-qua-ngan-hang-tu-ga-de-trung-vang-den-noi-am-anh-cua-ca-khach-hang-va-nhan-vien-nha-bang\/","title":{"rendered":"3.405. B\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng: T\u1eeb \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d \u0111\u1ebfn n\u1ed7i \u00e1m \u1ea3nh c\u1ee7a c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean nh\u00e0 b\u0103ng"},"content":{"rendered":"

B\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng: T\u1eeb \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d \u0111\u1ebfn n\u1ed7i \u00e1m \u1ea3nh c\u1ee7a c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean nh\u00e0 b\u0103ng<\/span><\/h4>\n
(ANT\u0110) –\u00a0 Ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) \u0111\u00e3 tr\u1edf th\u00e0nh \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d c\u1ee7a nhi\u1ec1u nh\u00e0 b\u0103ng nh\u1eefng n\u0103m qua. Tuy nhi\u00ean, s\u1ef1 ph\u00e1t tri\u1ec3n qu\u00e1 nhanh c\u1ee7a h\u00ecnh th\u1ee9c n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn h\u00e0ng lo\u1ea1t h\u1ec7 l\u1ee5y, khi\u1ebfn kh\u00f4ng ch\u1ec9 kh\u00e1ch h\u00e0ng \u00e1m \u1ea3nh v\u1ec1 vi\u1ec7c b\u1ecb \u201c\u00e9p\u201d, b\u1ecb \u201cd\u1ee5\u201d mua b\u1ea3o hi\u1ec3m v\u00e0 nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u0169ng \u0111au \u0111\u1ea7u khi b\u1ecb \u00e9p ch\u1ec9 ti\u00eau.<\/strong><\/h5>\n
Nhi\u1ec1u ng\u00e2n h\u00e0ng \u201cki\u1ebfm b\u1ed9n\u201d nh\u1edd b\u00e1n b\u1ea3o hi\u1ec3m<\/strong><\/h5>\n

Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 tr\u1edf th\u00e0nh \u201cc\u00e1nh tay \u0111\u1eafc l\u1ef1c\u201d c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1edbi nhi\u1ec1u l\u1ee3i th\u1ebf v\u00f4 c\u00f9ng l\u1edbn nh\u01b0: \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean \u0111\u00f4ng \u0111\u1ea3o, m\u1ea1ng l\u01b0\u1edbi giao d\u1ecbch r\u1ed9ng kh\u1eafp, data kh\u00e1ch h\u00e0ng l\u1edbn…<\/p>\n

Ngu\u1ed3n l\u1ee3i thu \u0111\u01b0\u1ee3c t\u1eeb ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m l\u00e0 r\u1ea5t l\u1edbn l\u1ea1i kh\u00f4ng ph\u1ea3i \u0111\u1ea7u t\u01b0 nhi\u1ec1u chi ph\u00ed, nh\u00e2n l\u1ef1c \u0111\u00e3 th\u00fac \u0111\u1ea9y h\u00e0ng lo\u1ea1t h\u1ee3p \u0111\u1ed3ng ph\u00e2n ph\u1ed1i \u0111\u1ed9c quy\u1ec1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng k\u00e9o d\u00e0i h\u00e0ng ch\u1ee5c n\u0103m \u0111\u01b0\u1ee3c k\u00fd k\u1ebft.<\/p>\n

Trong kho\u1ea3ng 5 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, h\u00e0ng lo\u1ea1t c\u00e1c th\u01b0\u01a1ng v\u1ee5 bancassurance \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, nh\u01b0 VIB, Techcombank, VCB k\u00fd \u0111\u1ed9c quy\u1ec1n v\u1edbi FWD; ACB k\u00fd \u0111\u1ed9c quy\u1ec1n v\u1edbi Sun Life; MSB h\u1ee3p t\u00e1c v\u1edbi Prudential; LienVietPostBank k\u00fd \u0111\u1ed9c quy\u1ec1n v\u1edbi Dai-ichi Life; Manulife \u201cb\u1eaft tay\u201d VietinBank, Techcombank, SCB…<\/p>\n

Hay AIA Vi\u1ec7t Nam v\u00e0 VPBank m\u1edbi \u0111\u00e2y c\u0169ng \u0111\u00e3 gia h\u1ea1n th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c \u0111\u1ed9c quy\u1ec1n bancassurance (k\u00fd n\u0103m 2017) th\u1eddi h\u1ea1n t\u1eeb 15 n\u0103m theo d\u1ef1 \u0111\u1ecbnh ban \u0111\u1ea7u th\u00e0nh 19 n\u0103m. T\u01b0\u01a1ng t\u1ef1, Sacombank v\u00e0 Dai-ichi Life c\u0169ng \u0111\u00e3 t\u00e1i \u0111\u00e0m ph\u00e1n v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u1ed9c quy\u1ec1n m\u1edbi v\u00e0o n\u0103m 2021…<\/p>\n

C\u1eadp nh\u1eadt k\u1ebft qu\u1ea3 kinh doanh n\u0103m 2022, MB l\u00e0 ng\u00e2n h\u00e0ng c\u00f3 doanh thu b\u1ea3o hi\u1ec3m l\u1edbn nh\u1ea5t h\u1ec7 th\u1ed1ng nh\u1edd s\u1edf h\u1eefu hai c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 MIC v\u00e0 MB Ageas Life. C\u1ee5 th\u1ec3, n\u0103m 2022, ng\u00e2n h\u00e0ng n\u00e0y ghi nh\u1eadn doanh thu 10.185 t\u1ef7 \u0111\u1ed3ng t\u1eeb kinh doanh v\u00e0 d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m, chi\u1ebfm t\u1edbi 71,5% t\u1ed5ng doanh thu t\u1eeb m\u1ea3ng d\u1ecbch v\u1ee5 (n\u0103m 2021 l\u00e0 68%).<\/p>\n

Ti\u1ebfp theo l\u00e0 VPBank v\u1edbi doanh thu t\u1eeb kinh doanh v\u00e0 d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m n\u0103m 2022 \u0111\u1ea1t 3.353 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm 32% t\u1ed5ng thu nh\u1eadp d\u1ecbch v\u1ee5, t\u0103ng tr\u01b0\u1edfng 42%.<\/p>\n

Ch\u01b0a k\u1ec3, n\u0103m 2022, VPBank c\u00f2n thu v\u1ec1 \u01b0\u1edbc kho\u1ea3ng 8.000 t\u1ef7 \u0111\u1ed3ng t\u1eeb th\u01b0\u01a1ng v\u1ee5 t\u00e1i k\u00fd th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c \u0111\u1ed9c quy\u1ec1n ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m v\u1edbi AIA Vi\u1ec7t Nam, \u0111\u01b0a l\u00e3i thu\u1ea7n t\u1eeb ho\u1ea1t \u0111\u1ed9ng kh\u00e1c c\u1ee7a VPBank l\u00ean t\u1edbi 10.583 t\u1ef7 \u0111\u1ed3ng, g\u1ea5p 5 l\u1ea7n n\u0103m 2021.<\/p>\n

Nhi\u1ec1u nh\u00e0 b\u0103ng kh\u00e1c nh\u01b0: Techcombank, VIB, TPBank c\u0169ng l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 doanh thu v\u00e0 l\u1ee3i nhu\u1eadn h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng t\u1eeb b\u1ea3o hi\u1ec3m.<\/p>\n

Trong \u0111\u00f3, Techcombank \u0111\u1ea1t doanh thu t\u1eeb d\u1ecbch v\u1ee5 h\u1ee3p t\u00e1c b\u1ea3o hi\u1ec3m h\u01a1n 1.750 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 12,3%. T\u1ea1i VIB, ri\u00eang thu nh\u1eadp hoa h\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 1.302 t\u1ef7 \u0111\u1ed3ng, t\u0103ng g\u1ea7n 9% so v\u1edbi n\u0103m 2021. TPBank c\u0169ng \u0111\u1ea1t doanh thu t\u1eeb d\u1ecbch v\u1ee5 kinh doanh v\u00e0 t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m l\u00e0 876 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng…<\/p>\n

\"b\u1ea3o

B\u00e1n b\u1ea3o hi\u1ec3m \u0111em l\u1ea1i ngu\u1ed3n thu d\u1ecbch v\u1ee5 r\u1ea5t l\u1edbn cho c\u00e1c ng\u00e2n h\u00e0ng<\/p><\/div>\n

Theo s\u1ed1 li\u1ec7u t\u1eeb C\u1ee5c Qu\u1ea3n l\u00fd, Gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh), ch\u1ec9 t\u00ednh trong n\u1eeda \u0111\u1ea7u n\u0103m 2022, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m qua k\u00eanh bancassurance c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 chi\u1ebfm t\u1edbi 41% t\u1ed5ng doanh thu khai th\u00e1c m\u1edbi.<\/p>\n

Con s\u1ed1 n\u00e0y d\u1ef1 b\u00e1o s\u1ebd s\u1edbm \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee9c \u0111\u00f3ng g\u00f3p 50% trong t\u1ed5ng doanh thu, c\u00f3 th\u1ec3 v\u01b0\u1ee3t qua c\u00e1c \u0111\u1ea1i l\u00fd tr\u1edf th\u00e0nh k\u00eanh ki\u1ebfm ti\u1ec1n ch\u1ee7 l\u1ef1c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n

\u00c1p l\u1ef1c l\u1edbn, nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u201cl\u00e0m li\u1ec1u\u201d<\/strong><\/h5>\n

Theo th\u1ed1ng k\u00ea, \u0111\u1ebfn nay \u0111\u00e3 c\u00f3 \u0111\u1ebfn kho\u1ea3ng 26 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7t Nam h\u1ee3p t\u00e1c ph\u00e1t tri\u1ec3n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Tr\u00ean th\u1ef1c t\u1ebf, t\u1ef7 l\u1ec7 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam m\u1edbi ch\u1ec9 \u0111\u1ea1t 11%. Trong khi \u0111\u00f3, t\u1ef7 l\u1ec7 n\u00e0y l\u00ean t\u1edbi kho\u1ea3ng 38% t\u1ea1i Philippines, 50% t\u1ea1i Malaysia, 80% t\u1ea1i Singapore v\u00e0 \u1edf M\u1ef9 l\u00ean t\u1edbi kho\u1ea3ng 90%…<\/p>\n

\u0110i\u1ec1u n\u00e0y cho th\u1ea5y d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u00f2n r\u1ea5t l\u1edbn. Tuy nhi\u00ean v\u1edbi m\u1ee9c thu nh\u1eadp ng\u01b0\u1eddi d\u00e2n c\u00f2n th\u1ea5p, c\u1ed9ng v\u1edbi m\u1ed9t s\u1ed1 s\u1ef1 v\u1ee5 \u0111\u01a1n l\u1ebb ti\u00eau c\u1ef1c li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m khi\u1ebfn vi\u1ec7c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng n\u00e0y v\u1eabn c\u00f2n kh\u00f3 kh\u0103n v\u00e0 g\u1eb7p \u00e1p l\u1ef1c c\u1ea1nh tranh gay g\u1eaft.<\/p>\n

Theo 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>, s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m l\u00e0 t\u1ed1t v\u00e0 c\u1ea7n thi\u1ebft nh\u01b0ng hi\u1ec7n nay, vi\u1ec7c b\u00e1n r\u1ea5t kh\u00f3 n\u00ean c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ea5p nh\u1eadn chi ph\u00ed b\u00e1n h\u00e0ng cao (tr\u1ea3 hoa h\u1ed3ng cao). \u0110\u00f3 c\u0169ng l\u00e0 l\u00fd do h\u1ea5p d\u1eabn nhi\u1ec1u \u0111\u1ea1i l\u00fd b\u00e1n b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f3 ng\u00e2n h\u00e0ng.<\/em><\/p>\n

C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng s\u1eb5n s\u00e0ng tr\u1ea3 ph\u00ed hoa h\u1ed3ng cao cho ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng cao h\u01a1n m\u1eb7t b\u1eb1ng chung, th\u1eadm ch\u00ed cao h\u01a1n tr\u1ea7n kh\u1ed1ng ch\u1ebf c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh (t\u1ea5t nhi\u00ean ph\u1ea3i \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c h\u00f3a).<\/em><\/p>\n

L\u1ee3i \u00edch l\u1edbn c\u1ed9ng v\u1edbi \u00e1p l\u1ef1c doanh s\u1ed1 khi\u1ebfn nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng b\u1eb1ng nhi\u1ec1u c\u00e1ch kh\u00e1c nhau nh\u01b0 t\u01b0 v\u1ea5n m\u1eadp m\u1edd, sai l\u1ec7ch \u0111\u1ec3 kh\u00e1ch h\u00e0ng k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u201c\u00e9p\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m m\u1edbi gi\u1ea3i ng\u00e2n kho\u1ea3n vay…<\/em><\/p>\n

M\u1edbi \u0111\u00e2y nh\u1ea5t l\u00e0 s\u1ef1 vi\u1ec7c h\u00e0ng ch\u1ee5c kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh b\u1ecb c\u00e1c nh\u00e2n vi\u00ean Ng\u00e2n h\u00e0ng SCB t\u01b0 v\u1ea5n m\u1eadp m\u1edd v\u1ec1 vi\u1ec7c tham gia s\u1ea3n ph\u1ea9m \u201cT\u00e2m An \u0111\u1ea7u t\u01b0\u201d, nh\u01b0ng th\u1ef1c t\u1ebf l\u00e0 tham gia h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. C\u00e1c kh\u00e1ch h\u00e0ng n\u00e0y \u0111\u00e3 ph\u1ea3i g\u1eedi \u0111\u01a1n khi\u1ebfu ki\u1ec7n \u0111\u1ebfn B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 chuy\u1ec3n nh\u1eefng ph\u1ea3n \u00e1nh n\u00e0y \u0111\u1ebfn c\u01a1 quan c\u00f4ng an \u0111\u1ec3 x\u00e1c minh, l\u00e0m r\u00f5.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, h\u00e0ng lo\u1ea1t kh\u00e1ch h\u00e0ng c\u0169ng ph\u1ea3n \u00e1nh khi vay v\u1ed1n ng\u00e2n h\u00e0ng, n\u1ebfu kh\u00f4ng tham gia mua b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n kho\u1ea3n vay, n\u1ebfu h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u00ec l\u00e3i su\u1ea5t s\u1ebd b\u1ecb t\u0103ng l\u00ean… Hay g\u1ea7n \u0111\u00e2y, nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng g\u1ecdi \u0111i\u1ec7n ch\u00e0o m\u1eddi m\u1edf th\u1ebb t\u00edn d\u1ee5ng v\u1edbi h\u1ea1n m\u1ee9c cao nh\u01b0ng \u0111i\u1ec1u ki\u1ec7n \u0111i k\u00e8m l\u00e0 mua g\u00f3i b\u1ea3o hi\u1ec3m…<\/p>\n

Theo lu\u1eadt s\u01b0 Nguy\u1ec5n H\u1eefu Th\u1ebf Tr\u1ea1ch (\u0110o\u00e0n lu\u1eadt s\u01b0 TP.HCM), theo quy \u0111\u1ecbnh, vi\u1ec7c tham gia c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u1ea3i ho\u00e0n to\u00e0n l\u00e0 t\u1ef1 nguy\u1ec7n. Tuy nhi\u00ean, trong vi\u1ec7c c\u1ea5p t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng c\u00f3 quy\u1ec1n c\u0103n c\u1ee9 h\u1ed3 s\u01a1, t\u00e0i li\u1ec7u ch\u1ee9ng minh n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, ph\u01b0\u01a1ng \u00e1n s\u1eed d\u1ee5ng v\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ee7 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, l\u00e3i vay hay kh\u00f4ng.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u1ea1o ra m\u1ed9t l\u1ee3i th\u1ebf \u201ck\u00e8o tr\u00ean\u201d r\u1ea5t l\u1edbn cho c\u00e1c ng\u00e2n h\u00e0ng trong vi\u1ec7c quy\u1ebft \u0111\u1ecbnh c\u00f3 cho vay hay kh\u00f4ng, d\u1eabn \u0111\u1ebfn kh\u1ea3 n\u0103ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n cung c\u1ea5p th\u00f4ng tin sai l\u1ec7ch nh\u1eb1m \u201cd\u1ee5\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m m\u1edbi gi\u1ea3i ng\u00e2n kho\u1ea3n vay ho\u1eb7c tham gia h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 kh\u00e1c.<\/p>\n

Kh\u00f4ng ch\u1ec9 kh\u00e1ch h\u00e0ng b\u1ee9c x\u00fac m\u00e0 nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u0169ng \u00e1m \u1ea3nh v\u1edbi ch\u1ec9 ti\u00eau b\u00e1n b\u1ea3o hi\u1ec3m. V\u00ec b\u1ecb \u00e1p ch\u1ec9 ti\u00eau v\u00e0 ph\u00ed hoa h\u1ed3ng c\u0169ng h\u1ea5p d\u1eabn d\u1eabn \u0111\u1ebfn c\u00e1c nh\u00e2n vi\u00ean, nh\u1ea5t l\u00e0 \u1edf b\u1ed9 ph\u1eadn t\u00edn d\u1ee5ng ph\u1ea3i d\u00f9ng m\u1ecdi c\u00e1ch, trong \u0111\u00f3 kh\u00f4ng lo\u1ea1i tr\u1eeb vi\u1ec7c t\u01b0 v\u1ea5n m\u1eadp m\u1edd \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch kh\u00e1ch h\u00e0ng k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n

\u201cTh\u1eddi gian g\u1ea7n \u0111\u00e2y, sau nh\u1eefng s\u1ef1 v\u1ee5 ti\u00eau c\u1ef1c, NHNN, B\u1ed9 T\u00e0i ch\u00ednh li\u00ean t\u1ee5c c\u00f3 ch\u1ec9 \u0111\u1ea1o khi\u1ebfn vi\u1ec7c m\u1eddi ch\u00e0o kh\u00e1ch k\u00fd h\u1ee3p \u0111\u1ed3ng ng\u00e0y c\u00e0ng kh\u00f3 kh\u0103n h\u01a1n. D\u00f9 NHNN ch\u1ec9 \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng \u00e1p ch\u1ec9 ti\u00eau cho nh\u00e2n vi\u00ean, nh\u01b0ng b\u1eb1ng nhi\u1ec1u h\u00ecnh th\u1ee9c nh\u01b0 khen th\u01b0\u1edfng, ph\u00ea b\u00ecnh, y\u00eau c\u1ea7u tham gia c\u00e1c l\u1edbp \u0111\u00e0o t\u1ea1o v\u1ec1 b\u1ea3o hi\u1ec3m… th\u00ec b\u00e1n b\u1ea3o hi\u1ec3m v\u1eabn l\u00e0 s\u1ee9c \u00e9p \u201cv\u00f4 h\u00ecnh\u201d c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng\u201d \u2013 Thanh H\u01b0\u01a1ng, m\u1ed9t nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng cho bi\u1ebft.<\/p>\n

Ng\u00e2n h\u00e0ng \u2013 kh\u00e1ch h\u00e0ng c\u00f9ng c\u00f3 l\u1ed7i<\/strong><\/h5>\n

Theo quy \u0111\u1ecbnh v\u1ec1 giao d\u1ecbch d\u00e2n s\u1ef1, h\u1ee3p \u0111\u1ed3ng s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u do l\u1eeba d\u1ed1i, \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p, nh\u1ea7m l\u1eabn. Tuy nhi\u00ean, theo c\u00e1c chuy\u00ean gia v\u1ec1 lu\u1eadt, vi\u1ec7c ch\u1ee9ng minh c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m vi ph\u1ea1m c\u00e1c quy \u0111\u1ecbnh tr\u00ean l\u00e0 r\u1ea5t kh\u00f3.<\/p>\n

Theo Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>,<\/span><\/a>\u00a0\u0111\u1ec3 x\u1ea3y ra nh\u1eefng v\u1ee5 vi\u1ec7c nh\u01b0 th\u1eddi gian qua, r\u00f5 r\u00e0ng l\u00e0 l\u1ed7i c\u1ee7a nh\u1eefng ng\u00e2n h\u00e0ng \u0111ang h\u00e0nh x\u1eed theo ki\u1ec3u v\u00ec l\u1ee3i nhu\u1eadn m\u00e0 s\u1eb5n s\u00e0ng tr\u00e1i v\u1edbi l\u01b0\u01a1ng t\u00e2m, \u0111\u1ea1o l\u00fd.<\/em><\/p>\n

Theo \u00f4ng, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh l\u1ea1i c\u00e1ch l\u00e0m \u0103n t\u1eed t\u1ebf, b\u1edfi n\u1ebfu th\u1ef1c tr\u1ea1ng n\u00e0y k\u00e9o d\u00e0i c\u00e0ng l\u00e2u th\u00ec khi\u1ebfn ng\u01b0\u1eddi d\u00e2n c\u00f3 c\u00e1i nh\u00ecn m\u1ea5t thi\u1ec7n c\u1ea3m v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, v\u1ec1 c\u00e1ch h\u00e0nh x\u1eed c\u1ee7a ng\u00e2n h\u00e0ng. Trong khi \u0111\u00e2y l\u1ea1i l\u00e0 ng\u00e0nh kinh doanh d\u1ef1a tr\u00ean uy t\u00edn v\u00e0 ni\u1ec1m tin. M\u1ed9t khi ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb lung lay th\u00ec ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ch\u1ecbu thi\u1ec7t h\u1ea1i, s\u1ebd ph\u1ea3i tr\u1ea3 gi\u00e1.<\/em><\/p>\n

Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng kh\u00f3 kh\u0103n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 \u0111ang c\u1ea7n v\u1ed1n \u0111\u1ec3 \u00e9p h\u1ecd mua b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, theo v\u1ecb lu\u1eadt s\u01b0, nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00ec nhu c\u1ea7u vay v\u1ed1n n\u00ean v\u1eabn ch\u1ea5p nh\u1eadn mua.<\/em><\/p>\n

\u201cN\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00f3ng ti\u1ebfp th\u00ec s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u00f3 coi nh\u01b0 m\u1ea5t gi\u00e1 tr\u1ecb, nh\u01b0ng n\u1ebfu kh\u00e1ch h\u00e0ng ti\u1ebfp t\u1ee5c \u0111\u00f3ng th\u00ec h\u1ecd v\u1eabn \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m khi g\u1eb7p r\u1ee7i ro. T\u1ee9c l\u00e0 h\u1ecd b\u1ecb \u00e9p mua m\u1ed9t m\u1eb7t h\u00e0ng, nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i h\u00e0ng gi\u1ea3, h\u00e0ng v\u1ee9t \u0111i\u201d \u2013 \u00f4ng n\u00f3i.<\/em><\/p>\n

Do \u0111\u00f3, v\u1ecb lu\u1eadt s\u01b0 cho r\u1eb1ng, b\u1ea3n th\u00e2n ng\u01b0\u1eddi mua c\u0169ng c\u00f3 c\u00e1i sai trong m\u1ed1i quan h\u1ec7 n\u00e0y, kh\u00f4ng th\u1ec3 \u0111\u1ed5 l\u1ed7i 100% cho ng\u00e2n h\u00e0ng. Ngo\u1ea1i tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n m\u00e0 ng\u00e2n h\u00e0ng l\u1ea1i chuy\u1ec3n \u0111\u1ed5i sang s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 b\u1ea3o hi\u1ec3m, th\u00ec \u0111\u00e2y ho\u00e0n to\u00e0n l\u00e0 c\u00e1i sai c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c n\u00e0y.<\/em><\/p>\n

—————–<\/em><\/strong><\/p>\n

An ninh Th\u1ee7 \u0111\u00f4 (Kinh doanh) 24-02-2023:<\/em><\/strong><\/h5>\n

https:\/\/www.anninhthudo.vn\/ban-bao-hiem-qua-ngan-hang-tu-ga-de-trung-vang-den-noi-am-anh-cua-ca-khach-hang-va-nhan-vien-nha-bang-post531917.antd<\/a><\/em><\/p>\n

(444\/1.731) #baohiem #nganhang #NHNN #BTC<\/em>","protected":false},"excerpt":{"rendered":"

B\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng: T\u1eeb \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d \u0111\u1ebfn n\u1ed7i \u00e1m \u1ea3nh c\u1ee7a c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean nh\u00e0 b\u0103ng (ANT\u0110) –\u00a0 Ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) \u0111\u00e3 tr\u1edf th\u00e0nh \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d c\u1ee7a nhi\u1ec1u nh\u00e0 b\u0103ng nh\u1eefng n\u0103m qua. Tuy nhi\u00ean, s\u1ef1 ph\u00e1t tri\u1ec3n qu\u00e1 nhanh […]<\/p>\n","protected":false},"author":2,"featured_media":35915,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[51,36],"class_list":["post-35914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n3.405. 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