{"id":36081,"date":"2023-03-06T15:38:29","date_gmt":"2023-03-06T08:38:29","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36081"},"modified":"2024-12-02T11:19:08","modified_gmt":"2024-12-02T04:19:08","slug":"3-420-tranh-chap-hop-dong-bao-hiem-ban-qua-ngan-hang-lam-gi-de-bao-ve-quyen-loi-khach-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-420-tranh-chap-hop-dong-bao-hiem-ban-qua-ngan-hang-lam-gi-de-bao-ve-quyen-loi-khach-hang\/","title":{"rendered":"3.420. Tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00e1n qua ng\u00e2n h\u00e0ng \u2013 L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?"},"content":{"rendered":"

Tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00e1n qua ng\u00e2n h\u00e0ng \u2013 L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?<\/span><\/h4>\n
(ETime) – C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb, kh\u00e1ch h\u00e0ng ch\u1ec9 k\u00fd h\u1ee3p \u0111\u1ed3ng khi n\u1eafm \u0111\u01b0\u1ee3c c\u00e1c n\u1ed9i dung nh\u1eb1m tr\u00e1nh nh\u1eefng tranh ch\u1ea5p li\u00ean quan t\u1edbi khi mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/span><\/strong><\/h5>\n

M\u00f4 h\u00ecnh h\u1ee3p t\u00e1c ph\u00e2n ph\u1ed1i \u0111\u1ed9c quy\u1ec1n s\u1ea3n ph\u1ea9m ba\u0309o hi\u00ea\u0309m qua h\u00ea\u0323 th\u00f4\u0301ng ng\u00e2n h\u00e0ng (bancassurance) l\u00e0 m\u00f4 h\u00ecnh li\u00ean k\u1ebft kinh doanh ph\u1ed5 bi\u1ebfn t\u1ea1i nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi.<\/p>\n

V\u1edbi Vi\u1ec7t Nam, vi\u1ec7c h\u1ee3p t\u00e1c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u1eaft \u0111\u1ea7u h\u01a1n 10 n\u0103m tr\u01b0\u1edbc v\u00e0 ph\u00e1t tri\u1ec3n m\u1ea1nh trong 2-3 n\u0103m g\u1ea7n \u0111\u00e2y.<\/p>\n

Xu h\u01b0\u1edbng n\u00e0y gi\u00fap ngu\u00f4\u0300n thu t\u1eeb b\u00e1n ba\u0309o hi\u00ea\u0309m qua k\u00eanh ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c gia t\u0103ng, chi\u00ea\u0301m 41% t\u00f4\u0309ng doanh thu khai th\u00e1c m\u01a1\u0301i cu\u0309a doanh nghi\u00ea\u0323p ba\u0309o hi\u00ea\u0309m trong n\u1eeda \u0111\u1ea7u n\u0103m 2022, theo th\u1ed1ng k\u00ea c\u1ee7a C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m thu\u1ed9c B\u1ed9 T\u00e0i ch\u00ednh.<\/p>\n

\"Tranh

Thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng li\u00ean quan b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. Ngu\u1ed3n: B\u00e1o c\u00e1o t\u00e0i ch\u00ednh<\/p><\/div>\n

K\u1ebft qu\u1ea3 kinh doanh n\u0103m 2022 c\u1ee7a m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng c\u0169ng th\u1ec3 hi\u1ec7n r\u00f5 \u0111i\u1ec1u n\u00e0y.<\/h5>\n

Ch\u1eb3ng h\u1ea1n, Ng\u00e2n h\u00e0ng TMCP Qu\u00e2n \u0110\u1ed9i (MB) ghi nh\u1eadn 10.185 t\u1ef7 \u0111\u1ed3ng doanh thu t\u1eeb kinh doanh v\u00e0 d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m – chi\u1ebfm 71,5% doanh thu t\u1eeb m\u1ea3ng d\u1ecbch v\u1ee5 chung c\u1ee7a ng\u00e2n h\u00e0ng c\u1ea3 n\u0103m, Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank) ghi nh\u1eadn g\u1ea7n 3.354 t\u1ef7 \u0111\u1ed3ng doanh thu \u1edf m\u1ea3ng kinh doanh b\u1ea3o hi\u1ec3m – b\u1eb1ng 32% t\u1ed5ng thu nh\u1eadp d\u1ecbch v\u1ee5.<\/p>\n

Thu v\u1ec1 h\u00e0ng ngh\u00ecn t\u1ef7 \u0111\u1ed3ng m\u1ed7i n\u0103m t\u1eeb ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng, nh\u01b0ng ph\u1ea3n \u00e1nh t\u1eeb nhi\u1ec1u kh\u00e1ch h\u00e0ng t\u1edbi\u00a0PV D\u00e2n Vi\u1ec7t \u0111\u00e3 \u0111\u1ec1 c\u1eadp tr\u01b0\u1edbc \u0111\u00f3, cho th\u1ea5y s\u01b0\u0323 h\u01a1\u0323p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00e3 b\u1ecf qua nguy\u00ean t\u0103\u0301c \u201ct\u1ef1 nguy\u1ec7n trong mua b\u1ea3o hi\u1ec3m\u201d khi m\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u00e3 \u00e9p kh\u00e1ch vay v\u1ed1n mua b\u1ea3o hi\u1ec3m th\u1eddi gian qua.<\/p>\n

Nghi\u00eam tr\u1ecdng h\u01a1n, m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng t\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 g\u1eedi ti\u1ec1n, nh\u01b0ng h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n b\u1ecb \u201ch\u00f4 bi\u1ebfn\u201d th\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u01b0 Manulife hay Sun Life.<\/p>\n

“\u00c9p” mua b\u1ea3o hi\u1ec3m l\u00e0 h\u00e0nh vi c\u1ea7n l\u00ean \u00e1n<\/strong><\/h5>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0, Ch\u1ee7 t\u1ecbch C\u00f4ng ty Lu\u1eadt SBLaw cho r\u1eb1ng, vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng li\u00ean k\u1ebft v\u1edbi c\u00e1c c\u00f4ng ty b\u00e1n b\u1ea3o hi\u1ec3m nh\u1eb1m l\u1ed3ng gh\u00e9p b\u00e1n s\u1ea3n ph\u1ea9m \u0111\u1ec3 t\u0103ng l\u1ee3i nhu\u1eadn kinh doanh l\u00e0 m\u1ee5c \u0111\u00edch t\u1ed1t.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng l\u1ee3i th\u1ebf c\u1ee7a b\u00ean cho vay \u0111\u1ec3 \u201c\u00e9p\u201d ho\u1eb7c \u201cch\u00e8o k\u00e9o\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m, d\u00f9 kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 nhu c\u1ea7u, l\u00e0 m\u1ed9t h\u00e0nh vi \u0111\u00e1ng l\u00ean \u00e1n v\u00e0 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3.<\/p>\n

Th\u1ef1c t\u1ebf, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (NHNN) \u0111\u00e3 nhi\u1ec1u l\u1ea7n ch\u1ec9 \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nghi\u00eam tu\u0301c ch\u00e2\u0301p ha\u0300nh ca\u0301c quy \u0111i\u0323nh pha\u0301p lu\u00e2\u0323t va\u0300 chi\u0309 \u0111a\u0323o cu\u0309a NHNN v\u00ea\u0300 hoa\u0323t \u0111\u00f4\u0323ng kinh doanh, \u0111a\u0323i ly\u0301 ba\u0309o hi\u00ea\u0309m.<\/p>\n

B\u1ed9 tr\u01b0\u1edfng T\u00e0i ch\u00ednh H\u1ed3 \u0110\u1ee9c Ph\u1edbc c\u0169ng c\u00f3 nhi\u1ec1u l\u1ea7n ch\u1ec9 \u0111\u1ea1o t\u0103ng c\u01b0\u1eddng thanh tra ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty m\u00f4i gi\u1edbi nh\u1eb1m h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng gian l\u1eadn, tr\u1ee5c l\u1ee3i b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea3m b\u1ea3o t\u1ed1i \u0111a quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi mua.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c x\u1eed l\u00fd sai ph\u1ea1m c\u00f2n nhi\u1ec1u kh\u00f3 kh\u0103n khi 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 mua b\u1ea3o hi\u1ec3m, c\u00f2n ng\u01b0\u1eddi vay v\u1eabn ch\u1ea5p nh\u1eadn mua \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1i l\u1ee3i tr\u01b0\u1edbc m\u1eaft.<\/p>\n

\u0110\u1ec3 h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng tr\u00ean, 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>\u00a0cho r\u1eb1ng, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ch\u1ea5p h\u00e0nh nghi\u00eam ch\u1ec9nh ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m trong b\u1ed1i c\u1ea3nh \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i r\u00f5 v\u1ec1 tr\u00e1ch nhi\u1ec7m v\u00e0 ch\u1ebf t\u00e0i v\u1edbi c\u00e1c b\u00ean li\u00ean quan.\u00a0<\/em><\/p>\n

Ngo\u00e0i ra, c\u1ea7n \u0111\u1ec1 cao v\u0103n h\u00f3a, \u0111\u1ea1o \u0111\u1ee9c kinh doanh \u0111\u1ec3 l\u00e0m h\u00e0i l\u00f2ng kh\u00e1ch h\u00e0ng, \u00edt nh\u1ea5t l\u00e0 kh\u00f4ng g\u00e2y ra b\u1ee9c x\u00fac cho h\u1ecd.<\/em><\/p>\n

V\u1edbi kh\u00e1ch h\u00e0ng, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng c\u1ea7n n\u1eafm r\u00f5 ph\u00e1p lu\u1eadt v\u00e0 s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh trong c\u00e1c giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng.<\/em><\/p>\n

\u201cC\u00e1c ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u1eebng coi th\u01b0\u1eddng y\u1ebfu t\u1ed1 v\u0103n h\u00f3a doanh nghi\u1ec7p, \u0111\u1ea1o \u0111\u1ee9c kinh doanh. N\u1ebfu kh\u00f4ng \u0111\u1ec1 cao s\u1ef1 t\u1eed t\u1ebf th\u00ec t\u1ef1 tay ph\u00e1 \u0111i uy t\u00edn, th\u01b0\u01a1ng hi\u1ec7u. C\u00f2n kh\u00e1ch h\u00e0ng th\u00ec c\u0169ng c\u1ea7n ph\u1ea3i s\u1eed d\u1ee5ng quy\u1ec1n l\u1ef1c ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ec3 t\u1ea9y chay v\u00e0 m\u1ea1nh m\u1ebd h\u01a1n l\u00e0 t\u1ed1 c\u00e1o v\u00e0 kh\u1edfi ki\u1ec7n ra t\u00f2a\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0cho bi\u1ebft th\u00eam: Kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd s\u1eed d\u1ee5ng m\u1ed9t \u201cv\u0169 kh\u00ed ph\u00e1p lu\u1eadt r\u1ea5t l\u1ee3i h\u1ea1i\u201d m\u00e0 ph\u00e1p lu\u1eadt t\u1ea1o cho \u0111\u1ec3 b\u1ea3o v\u1ec7 m\u00ecnh. \u0110\u00f3 l\u00e0 quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 35 v\u1ec1 \u201cTh\u1eddi gian c\u00e2n nh\u1eafc tham gia b\u1ea3o hi\u1ec3m\u201d, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2022: Trong th\u1eddi h\u1ea1n 21 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe (lo\u1ea1i c\u00f3 th\u1eddi h\u1ea1n tr\u00ean 01 n\u0103m), b\u00ean mua c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i ti\u1ebfp t\u1ee5c tham gia b\u1ea3o hi\u1ec3m. Khi \u0111\u00f3, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb h\u1ee7y b\u1ecf, b\u00ean mua b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u00f3ng sau khi tr\u1eeb \u0111i chi ph\u00ed h\u1ee3p l\u00fd (n\u1ebfu c\u00f3) theo th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0 khuy\u1ebfn ngh\u1ecb kh\u00e1ch h\u00e0ng \u0111\u1ecdc k\u1ef9 c\u00e1c th\u00f4ng tin g\u1ed3m th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7 sinh m\u1ea1ng, s\u1ee9c kh\u1ecfe \u0111\u1ec3 nh\u1eadn bi\u1ebft gi\u1eefa h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c d\u1ea1ng h\u1ee3p \u0111\u1ed3ng kh\u00e1c.<\/p>\n

\u201cTrong r\u1ea5t nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n th\u01b0\u1eddng t\u01b0 v\u1ea5n h\u1ee3p \u0111\u1ed3ng B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd d\u01b0\u1edbi danh ngh\u0129a l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u1ea7u t\u01b0 l\u00e0m kh\u00e1ch h\u00e0ng hi\u1ec3u nh\u1ea7m. Do \u0111\u00f3, trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p khi \u0111\u1ebfn ng\u00e2n h\u00e0ng kh\u00e1ch h\u00e0ng c\u1ea7n ch\u1ee7 \u0111\u1ed9ng ghi \u00e2m n\u1ed9i dung t\u01b0 v\u1ea5n, ho\u1eb7c y\u00eau c\u1ea7u nh\u00e2n vi\u00ean t\u01b0 v\u1eabn t\u00f3m t\u1eaft n\u1ed9i dung t\u01b0 v\u1ea5n r\u1ed3i k\u00fd t\u00ean v\u00e0o ph\u1ea7n t\u00f3m t\u1eaft \u0111\u00f3 \u0111\u1ec3 c\u00f3 c\u0103n c\u1ee9 sau n\u00e0y x\u1eed l\u00fd v\u1ea5n \u0111\u1ec1 n\u1ebfu ph\u00e1t sinh tranh ch\u1ea5p\u201d, \u00f4ng H\u00e0 cho bi\u1ebft.<\/p>\n

C\u0169ng theo \u00f4ng H\u00e0, kh\u00e1ch h\u00e0ng c\u1ea7n \u0111\u1ecdc k\u1ef9 n\u1ed9i dung tr\u01b0\u1edbc khi k\u00fd b\u1ea5t c\u1ee9 h\u1ee3p \u0111\u1ed3ng hay th\u1ecfa thu\u1eadn n\u00e0o. N\u1ebfu th\u1ea5y n\u1ed9i dung n\u00e0o m\u1eadp m\u1edd ho\u1eb7c kh\u00f3 hi\u1ec3u c\u1ea7n y\u00eau c\u1ea7u nh\u00e2n vi\u00ean gi\u1ea3i th\u00edch l\u1ea1i.<\/p>\n

\u201cCh\u00fang ta ch\u1ec9 k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 \u0111\u1ed3ng \u00fd giao k\u1ebft khi n\u1eafm \u0111\u01b0\u1ee3c c\u00e1c n\u1ed9i dung, nh\u1ea5t l\u00e0 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd c\u1ee7a b\u1ea3n th\u00e2n m\u00ecnh trong h\u1ee3p \u0111\u1ed3ng v\u00e0 trong th\u1ecfa thu\u1eadn \u0111\u00f3\u201d, \u00f4ng H\u00e0 n\u00f3i.<\/p>\n

Kh\u00e1ch h\u00e0ng ch\u1ec9 k\u00fd h\u1ee3p \u0111\u1ed3ng khi n\u1eafm \u0111\u01b0\u1ee3c c\u00e1c n\u1ed9i dung nh\u1eb1m nh\u1eefng tranh ch\u1ea5p li\u00ean quan t\u1edbi khi mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/em><\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc “h\u1ee9a” x\u1eed l\u00fd m\u1ea1nh tay<\/strong><\/h5>\n

V\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, \u00f4ng Ng\u00f4 Vi\u1ec7t Trung, C\u1ee5c tr\u01b0\u1edfng C\u1ee5c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh), cho bi\u1ebft s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ea9y m\u1ea1nh c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m qua vi\u1ec7c thanh – ki\u1ec3m tra c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, y\u00eau c\u1ea7u c\u00e1c doanh nghi\u1ec7p th\u1ef1c hi\u00ean nghi\u00eam t\u00fac quy tr\u00ecnh ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng theo \u0111\u00fang quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

\u201cC\u00e1c doanh nghi\u1ec7p ph\u1ea3i c\u00f3 h\u00ecnh th\u1ee9c gi\u00e1m s\u00e1t \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n c\u1ee7a \u0111\u1ea1i l\u00fd, kh\u00f4ng \u0111\u1ec3 ti\u1ebfp t\u1ee5c x\u1ea3y ra t\u00ecnh tr\u1ea1ng \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m ho\u1eb7c t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u00fang, kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m\u201d, \u00f4ng Trung n\u00f3i.<\/p>\n

Ngo\u00e0i ra, B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd ph\u1ed1i h\u1ee3p v\u1edbi NHNN \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u01a1 ch\u1ebf ph\u1ed1i h\u1ee3p gi\u1eefa hai c\u01a1 quan trong vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.<\/p>\n

V\u1ec1 ph\u00e1p l\u00fd, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 x\u00e2y d\u1ef1ng v\u00e0 tr\u00ecnh Ch\u00ednh ph\u1ee7 d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m theo h\u01b0\u1edbng b\u1ed5 sung c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1edbi \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m l\u00e0 ng\u00e2n h\u00e0ng. C\u00e1c n\u1ed9i dung b\u1ed5 sung g\u1ed3m: \u0111i\u1ec1u ki\u1ec7n v\u1ec1 c\u00e1n b\u1ed9 ph\u1ee5 tr\u00e1ch ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m; \u0111i\u1ec1u ki\u1ec7n v\u1ec1 s\u1ed1 c\u00e1n b\u1ed9 t\u1ed1i thi\u1ec3u \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi m\u1ed7i chi nh\u00e1nh; \u0111i\u1ec1u ki\u1ec7n v\u1ec1 h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin; y\u00eau c\u1ea7u v\u1ec1 vi\u1ec7c th\u1ef1c hi\u1ec7n ghi \u00e2m n\u1ed9i dung t\u01b0 v\u1ea5n c\u1ee7a \u0111\u1ea1i l\u00fd v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb v\u00e0 l\u01b0u tr\u1eef c\u00e1c b\u1ea3n ghi \u00e2m t\u1ea1i doanh nghi\u1ec7p trong v\u00f2ng 5 n\u0103m. \u0110\u1ed3ng th\u1eddi, d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn m\u1ed9t Ngh\u1ecb \u0111\u1ecbnh c\u0169ng b\u1ed5 sung r\u1ea5t nhi\u1ec1u quy \u0111\u1ecbnh kh\u00e1c \u0111\u1ec3 t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng cho k\u00eanh ph\u00e2n ph\u1ed1i n\u00e0y.<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng s\u1ebd ph\u1ed1i h\u1ee3p v\u1edbi NHNN trong vi\u1ec7c ho\u00e0n thi\u1ec7n Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, y\u00eau c\u1ea7u t\u00e1ch bi\u1ec7t th\u1eddi \u0111i\u1ec3m gi\u1ea3i ng\u00e2n kho\u1ea3n vay v\u1edbi th\u1eddi \u0111i\u1ec3m ch\u00e0o b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u1eb1m h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng \u00e9p mua b\u1ea3o hi\u1ec3m khi gi\u1ea3i ng\u00e2n kho\u1ea3n vay.<\/p>\n

Huy\u1ec1n Anh<\/em><\/strong><\/h5>\n

——————<\/p>\n

Etime (T\u00e0i ch\u00ednh) 06-3-2023:<\/em><\/strong><\/p>\n

https:\/\/etime.danviet.vn\/tranh-chap-hop-dong-bao-hiem-ban-qua-ngan-hang-lam-gi-de-bao-ve-quyen-loi-khach-hang-20230306112818685.htm<\/a><\/em><\/p>\n

(325\/1.627) #baohiem #nganhang #NHNN #anvi<\/em>","protected":false},"excerpt":{"rendered":"

Tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00e1n qua ng\u00e2n h\u00e0ng \u2013 L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng? (ETime) – C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb, kh\u00e1ch h\u00e0ng ch\u1ec9 k\u00fd h\u1ee3p \u0111\u1ed3ng khi n\u1eafm \u0111\u01b0\u1ee3c c\u00e1c n\u1ed9i dung nh\u1eb1m tr\u00e1nh nh\u1eefng tranh ch\u1ea5p li\u00ean quan t\u1edbi khi mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e2n […]<\/p>\n","protected":false},"author":2,"featured_media":36082,"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-36081","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":"\n3.420. Tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00e1n qua ng\u00e2n h\u00e0ng \u2013 L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00e1n qua NH | C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb, KH ch\u1ec9 k\u00fd h\u1ee3p \u0111\u1ed3ng khi n\u1eafm \u0111\u01b0\u1ee3c c\u00e1c n\u1ed9i dung nh\u1eb1m tr\u00e1nh nh\u1eefng tranh ch\u1ea5p\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/3-420-tranh-chap-hop-dong-bao-hiem-ban-qua-ngan-hang-lam-gi-de-bao-ve-quyen-loi-khach-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.420. 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