{"id":36097,"date":"2023-03-07T14:39:15","date_gmt":"2023-03-07T07:39:15","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36097"},"modified":"2024-12-02T11:14:47","modified_gmt":"2024-12-02T04:14:47","slug":"3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/","title":{"rendered":"3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?<\/span><\/h4>\n<h5><strong><em>(KTSG) \u2013 C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb kh\u00e1ch h\u00e0ng c\u1ea7n tim hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7 sinh m\u1ea1ng, s\u1ee9c kho\u1ebb \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, v\u00e0 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><\/strong><\/h5>\n<p>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. 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 qua.<\/p>\n<p>Song h\u00e0nh c\u00f9ng s\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng, ho\u1ea1t \u0111\u1ed9ng n\u00e0y xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 bi\u1ebfn t\u01b0\u1edbng th\u1eddi gian g\u1ea7n \u0111\u00e2y khi nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u201ch\u00f4 bi\u1ebfn\u201d h\u1ee3p \u0111\u1ed3ng g\u1eedi ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng th\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/p>\n<div id=\"attachment_36099\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-36099 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4-450x310.png\" alt=\"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance\" width=\"450\" height=\"310\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4-450x310.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4-768x528.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4.png 945w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">Ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang ph\u00e1t sinh nhi\u1ec1u tranh ch\u1ea5p nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y | \u1ea2nh minh ho\u1ea1: TL<\/p><\/div>\n<h5><strong>V\u00ec sao h\u1ee3p \u0111\u1ed3ng ti\u1ebft ki\u1ec7m \u0111\u1ea7u t\u01b0 d\u1ec5 d\u00e0ng \u2018bi\u1ebfn h\u00f3a\u2019 th\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/strong><\/h5>\n<p>L\u00e0 m\u1ed9t trong s\u1ed1 nhi\u1ec1u n\u1ea1n nh\u00e2n l\u00e0m \u0111\u01a1n k\u00eau c\u1ee9u g\u1eedi c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng v\u00ec b\u1ecb Ng\u00e2n h\u00e0ng TMCP S\u00e0i G\u00f2n (SCB) bi\u1ebfn h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi th\u00e0nh g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee7a Manulife, b\u00e0 N.M.H (H\u00e0 N\u1ed9i) cho bi\u1ebft \u0111\u01b0\u1ee3c hai nh\u00e2n vi\u00ean t\u00ean L v\u00e0 Th t\u01b0 v\u1ea5n v\u1ec1 m\u1ed9t s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m \u0111\u1ea7u t\u01b0 v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n g\u1eedi ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng v\u00e0 c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n v\u1ec1 b\u1ea5t c\u1ee9 khi n\u00e0o, k\u00e8m khuy\u1ebfn m\u1ea1i l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi C\u00f4ng ty TNHH Manulife Vi\u1ec7t Nam khi t\u00ecm t\u1edbi Ph\u00f2ng giao d\u1ecbch (PGD) L\u00ea Tr\u1ecdng T\u1ea5n, H\u00e0 N\u1ed9i thu\u1ed9c SCB \u0111\u1ec3 g\u1eedi ti\u1ebft ki\u1ec7m s\u1ed1 ti\u1ec1n 150 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<p>Tin t\u01b0\u1edfng t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng, b\u00e0 H \u0111\u1ed3ng \u00fd mua g\u00f3i ti\u1ebft ki\u1ec7m \u0111\u1ea7u t\u01b0 v\u1edbi gi\u00e1 tr\u1ecb 150 tri\u1ec7u \u0111\u1ed3ng. S\u1ed1 ti\u1ec1n n\u00e0y sau \u0111\u00f3 \u0111\u01b0\u1ee3c ph\u00e2n chia th\u00e0nh hai ph\u1ea7n, g\u1ed3m ph\u1ea7n ph\u00ed c\u01a1 b\u1ea3n100 tri\u1ec7u \u0111\u1ed3ng v\u00e0 ph\u1ea7n ph\u00ed \u0111\u1ea7u t\u01b0 th\u00eam l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<p>V\u1edbi ph\u00ed c\u01a1 b\u1ea3n, kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n ra trong 6 n\u0103m. Sau 6 n\u0103m, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 r\u00fat s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 t\u1ed5ng ph\u00ed \u0111\u00e3 \u0111\u00f3ng trong 6 n\u0103m. \u0110\u1ed3ng th\u1eddi th\u1ee5 h\u01b0\u1edfng ph\u1ea7n l\u00e3i su\u1ea5t 8,5-10% tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u00e3 n\u1ed9p.<\/p>\n<p>T\u1edbi 17-6-2021, b\u00e0 H nh\u1eadn v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng kh\u00f4ng c\u00f3 ch\u1eef k\u00fd c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. V\u00e0 ph\u1ea3i t\u1edbi 26-7-2021, g\u1ea7n 40 ng\u00e0y t\u1eeb khi k\u00fd, b\u00e0 H m\u1edbi nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ec3n h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>Th\u00e1ng 11-2022, g\u1ea7n 18 th\u00e1ng t\u1eeb th\u1eddi \u0111i\u1ec3m k\u00fd h\u1ee3p \u0111\u1ed3ng, b\u00e0 H ph\u00e1t hi\u1ec7n s\u1ea3n ph\u1ea9m m\u00ecnh mua th\u1ef1c ch\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ph\u1ea3i s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m \u0111\u1ea7u t\u01b0, k\u00e8m khuy\u1ebfn m\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u01b0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n. Do \u0111\u00f3, b\u00e0 \u0111\u00e3 l\u00e0m \u0111\u01a1n khi\u1ebfu n\u1ea1i g\u1eedi Manulife Vi\u1ec7t Nam v\u00e0 SCB v\u1edbi y\u00eau c\u1ea7u hu\u1ef7 to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng v\u00e0 tr\u1ea3 l\u1ea1i s\u1ed1 ti\u1ec1n 110,1 tri\u1ec7u \u0111\u1ed3ng, g\u1ed3m 100 tri\u1ec7u \u0111\u1ed3ng ph\u00ed c\u01a1 b\u1ea3n \u0111\u00f3ng n\u0103m th\u1ee9 nh\u1ea5t v\u00e0 10,1 tri\u1ec7u \u0111\u1ed3ng \u0111\u00f3ng n\u0103m th\u1ee9 hai. Nh\u01b0ng y\u00eau c\u1ea7u n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c Manulife ch\u1ea5p thu\u1eadn.<\/p>\n<p>Nguy\u00ean nh\u00e2n ch\u00ednh khi\u1ebfn b\u00e0 H tham gia s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m \u0111\u1ea7u t\u01b0 tr\u00ean, theo chia s\u1ebb c\u1ee7a b\u1ea3n th\u00e2n b\u00e0, l\u00e0 do tin v\u00e0o l\u1eddi t\u01b0 v\u1ea5n v\u1ec1 vi\u1ec7c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ch\u1ec9 l\u00e0 qu\u00e0 t\u1eb7ng m\u00e0 b\u1ea3n th\u00e2n \u0111\u01b0\u1ee3c h\u01b0\u1edfng theo c\u01a1 ch\u1ebf khuy\u1ebfn m\u1ea1i khi tham gia s\u1ea3n ph\u1ea9m ti\u1ebft ki\u1ec7m. \u0110i\u1ec1u n\u00e0y khi\u1ebfn b\u00e0 k\u00fd \u0111\u01a1n y\u00eau c\u1ea7u mua b\u1ea3o hi\u1ec3m, d\u00f9 ch\u01b0a c\u00f3 ch\u1eef k\u00fd c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 ch\u01b0a \u0111i\u1ec1n c\u00e1c th\u00f4ng tin kh\u00e1c.<\/p>\n<p>Kh\u00e1c v\u1edbi b\u00e0 H, \u00f4ng T.H.S, m\u1ed9t kh\u00e1ch h\u00e0ng l\u00e2u n\u0103m c\u1ee7a SCB, cho bi\u1ebft b\u1ea3n th\u00e2n \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean SCB \u201cd\u1ee5\u201d \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh m\u1edbi do ng\u00e2n h\u00e0ng k\u1ebft h\u1ee3p v\u1edbi Manulife ph\u00e1t tri\u1ec3n. S\u1ea3n ph\u1ea9m m\u1edbi c\u00f3 l\u00e3i su\u1ea5t kho\u1ea3ng 10,3% m\u1ed9t n\u0103m \u2013 cao h\u01a1n nhi\u1ec1u l\u00e3i ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng, k\u00e8m theo r\u1ea5t nhi\u1ec1u \u01b0u \u0111\u00e3i kh\u00e1c. Th\u1eddi h\u1ea1n \u0111\u1ea7u t\u01b0, theo t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean SCB, l\u00e0 5-7 n\u0103m.<\/p>\n<p>Tin t\u01b0\u1edfng l\u1eddi t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean SCB, \u00f4ng S (68 tu\u1ed5i, s\u1ed1ng t\u1ea1i TPHCM) \u0111\u00e3 \u0111\u00f3ng 170 tri\u1ec7u \u0111\u1ed3ng ti\u1ec1n ph\u00ed n\u0103m \u0111\u1ea7u. T\u1edbi n\u0103m th\u1ee9 hai, \u00f4ng S \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u00e0m \u0111\u01a1n gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m v\u1ec1 36,7 tri\u1ec7u \u0111\u1ed3ng do kh\u00f4ng c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u00f3ng. Lo ng\u1ea1i m\u1ea5t to\u00e0n b\u1ed9 ti\u1ec1n ph\u00ed \u0111\u00e3 \u0111\u00f3ng, \u00f4ng S \u0111\u00e0nh \u0111\u00f3ng ti\u1ebfp \u0111\u1ec3 h\u1ee3p \u0111\u1ed3ng kh\u00f4ng m\u1ea5t hi\u1ec7u l\u1ef1c. Tuy nhi\u00ean, sau khi \u0111\u00f3ng ti\u1ec1n, \u00f4ng n\u00e0y m\u1edbi ph\u00e1t hi\u1ec7n s\u1ed1 to\u00e0n b\u1ed9 ti\u1ec1n \u0111\u1ea7u t\u01b0 n\u0103m \u0111\u1ea7u \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m r\u1ee7i ro t\u1eed vong c\u00f3 t\u00ean \u201cT\u00e2m An \u0110\u1ea7u T\u01b0\u201d.<\/p>\n<p>\u0110\u00e1ng l\u01b0u \u00fd, \u00f4ng S, m\u1ed9t ng\u01b0\u1eddi ch\u1ec9 s\u1ed1ng d\u1ef1a v\u00e0o l\u01b0\u01a1ng h\u01b0u v\u00e0 v\u00e0i tr\u0103m tri\u1ec7u \u0111\u1ed3ng g\u1eedi ti\u1ebft ki\u1ec7m, nh\u01b0ng h\u1ee3p \u0111\u1ed3ng c\u1ee7a \u00f4ng l\u1ea1i \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng k\u00ea khai m\u1ee9c thu nh\u1eadp l\u00ean t\u1edbi 170 tri\u1ec7u \u0111\u1ed3ng m\u1ed7i th\u00e1ng t\u1eeb kinh doanh b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 g\u1eedi ng\u00e2n h\u00e0ng, t\u01b0\u01a1ng t\u1ef1 tr\u01b0\u1eddng h\u1ee3p b\u00e0 N.M.H.<\/p>\n<p>\u201cNh\u00e2n vi\u00ean t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u1ecdc v\u00e0 kh\u00f4ng gi\u1ea3i th\u00edch b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec, h\u1ecd c\u0169ng kh\u00f4ng gi\u1edbi thi\u1ec7u \u0111\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m r\u1ee7i ro t\u1eed vong c\u00f3 T\u00e2m An \u0110\u1ea7u T\u01b0 m\u00e0 ch\u1ec9 b\u1ea3o t\u00f4i tham gia m\u1ed9t s\u1ea3n ph\u1ea9m v\u1eeba \u0111\u1ea7u t\u01b0 v\u1eeba sinh l\u1eddi, v\u1eeba b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe\u201d, \u00f4ng S b\u1ee9c x\u00fac.<\/p>\n<p>\u0110\u1ec3 h\u1ea1n ch\u1ebf nh\u1eefng tranh ch\u1ea5p trong h\u1ee3p \u0111\u1ed3ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng, 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. V\u1ec1 ph\u00eda B\u1ed9 T\u00e0i ch\u00ednh B\u1ed9 tr\u01b0\u1edfng 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<p>Tuy nhi\u00ean, t\u00ecnh tr\u1ea1ng tr\u00ean v\u1eabn ti\u1ebfp di\u1ec5n do 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\u1ed1n ho\u1eb7c \u0111\u1ea7u t\u01b0 v\u1eabn ch\u1ea5p nh\u1eadn tham gia \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1i l\u1ee3i tr\u01b0\u1edbc m\u1eaft, theo c\u00e1c chuy\u00ean gia.<\/p>\n<p><em>V\u1ec1 m\u1eb7t l\u1ee3i \u00edch, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong>, cho bi\u1ebft ng\u00e2n h\u00e0ng n\u1eafm gi\u1eef l\u01b0\u1ee3ng l\u1edbn th\u00f4ng tin v\u1ec1 nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf, n\u00ean r\u1ea5t d\u1ec5 khai kh\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. C\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng m\u1ea5t r\u1ea5t nhi\u1ec1u c\u00f4ng s\u1ee9c gi\u1edbi thi\u1ec7u, thuy\u1ebft ph\u1ee5c kh\u00e1ch h\u00e0ng c\u0169ng ch\u01b0a ch\u1eafc b\u00e1n \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m. Nh\u01b0ng v\u1edbi vi\u1ec7c ng\u00e2n h\u00e0ng b\u00e1n th\u00ec kh\u1ea3 n\u0103ng mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m cao h\u01a1n r\u1ea5t nhi\u1ec1u do kh\u00e1ch h\u00e0ng \u0111\u1eb7t ni\u1ec1m tin l\u1edbn v\u00e0o ng\u00e2n h\u00e0ng.<\/em><\/p>\n<p><em>\u201cV\u1edbi l\u1ee3i \u00edch kh\u1ed5ng l\u1ed3 t\u1eeb vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m, c\u1ed9ng v\u1edbi s\u1ee9c \u00e9p ch\u1ec9 ti\u00eau t\u0103ng tr\u01b0\u1eddng, cho n\u00ean d\u1eabn \u0111\u1ebfn c\u00e2u chuy\u1ec7n c\u00f3 vi\u1ec7c \u2018\u00e9p\u2019 kh\u00e1ch mua\u201d \u00f4ng \u0110\u1ee9c gi\u1ea3i th\u00edch.<\/em><\/p>\n<p><em>Theo \u00f4ng \u0110\u1ee9c, \u0111\u1ec3 x\u1ea3y ra th\u1ef1c tr\u1ea1ng n\u00e0y l\u00e0 l\u1ed7i c\u1ee7a nh\u1eefng ng\u00e2n h\u00e0ng \u0111ang h\u00e0nh x\u1eed theo ki\u1ec3u \u201cv\u00ec l\u1ee3i nhu\u1eadn m\u00e0 s\u1eb5n s\u00e0ng tr\u00e1i v\u1edbi \u0111\u1ea1o l\u00fd v\u00e0 chu\u1ea9n m\u1ef1c v\u0103n h\u00f3a kinh doanh\u201d. Ngo\u00e0i ra, kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng hi\u1ec3u bi\u1ebft ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh v\u00e0 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, n\u00ean b\u1ecb c\u00e1c t\u01b0 v\u1ea5n vi\u00ean \u201cd\u1ed7 ng\u1ecdt\u201d.<\/em><\/p>\n<p><em>\u201cB\u00e1n h\u00e0ng qua ng\u00e2n h\u00e0ng hay qua c\u00e1c k\u00eanh n\u00e0o kh\u00e1c, c\u0169ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c b\u00e1n h\u00e0ng, ng\u01b0\u1eddi b\u00e1n ch\u1ec9 c\u1ea7n b\u00e1n \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ea3n ph\u1ea9m nh\u1ea5t c\u00f3 th\u1ec3, n\u00ean h\u1ecd s\u1ebd n\u00f3i nh\u1eefng \u0111i\u1ec1u hay ho, th\u1eadm ch\u00ed che gi\u1ea5u nh\u1eefng \u0111i\u1ec1u b\u1ea5t l\u1ee3i v\u1ec1 s\u1ea3n ph\u1ea9m \u0111\u1ec3 ng\u01b0\u1eddi mua b\u1ecf ti\u1ec1n\u201d, \u00f4ng \u0110\u1ee9c ph\u00e2n t\u00edch.<\/em><\/p>\n<p><em>V\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, chuy\u00ean gia n\u00e0y cho r\u1eb1ng h\u1ee3p \u0111\u1ed3ng s\u1ebd b\u1ecb v\u00f4 hi\u1ec7u do b\u1ecb l\u1eeba d\u1ed1i, \u0111e do\u1ea1, c\u01b0\u1ee1ng \u00e9p, nh\u1ea7m l\u1eabn theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 giao d\u1ecbch d\u00e2n s\u1ef1. Nh\u01b0ng r\u1ea5t kh\u00f3 \u0111\u1ec3 ch\u1ee9ng minh nh\u1eefng h\u00e0nh vi tr\u00ean.<\/em><\/p>\n<p><em>\u201cSau khi \u2018b\u00fat sa g\u00e0 ch\u1ebft\u2019, m\u1ecdi s\u1ef1 \u0111\u00e3 xong xu\u00f4i, kh\u00e1ch h\u00e0ng m\u1edbi d\u00e1m ph\u1ea3n \u1ee9ng b\u1eb1ng c\u00e1ch k\u00eau ca, ph\u1ea3n \u0111\u1ed1i, l\u00ean \u00e1n ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, n\u1ebfu kh\u00f4ng c\u00f3 b\u1eb1ng ch\u1ee9ng thuy\u1ec7t ph\u1ee5c v\u1ec1 \u2018s\u1ee9c \u00e9p\u2019 c\u1ee7a ng\u00e2n h\u00e0ng th\u00ec ch\u1ec9 l\u00e0 s\u1ef1 h\u1eadm h\u1ef1c b\u1ef1c m\u00ecnh, ch\u1ee9 kh\u1edfi ki\u1ec7n ra t\u00f2a c\u0169ng kh\u00f4ng c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 gi\u1ea3i quy\u1ebft\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i v\u00e0 cho bi\u1ebft ch\u1ec9 c\u00f3 th\u00f4ng qua nghi\u1ec7p v\u1ee5 \u0111i\u1ec1u tra nhi\u1ec1u h\u1ed3 s\u01a1, v\u1ee5 vi\u1ec7c nh\u01b0 c\u00e1ch l\u00e0m c\u1ee7a c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng nh\u01b0 c\u01a1 quan c\u1ea3nh s\u00e1t \u0111i\u1ec1u tra, th\u00ec m\u1edbi t\u00ecm v\u00e0 k\u1ebft lu\u1eadn \u0111\u01b0\u1ee3c \u0111\u00fang \u2013 sai theo \u0111\u00fang b\u1ea3n ch\u1ea5t s\u1ef1 vi\u1ec7c.<\/em><\/p>\n<p><em>C\u0169ng theo \u00f4ng \u0110\u1ee9c, kh\u00e1ch h\u00e0ng b\u1ecb \u00e9p mua m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i h\u00e0ng gi\u1ea3, h\u00e0ng h\u1ecfng h\u00e0ng k\u00e9m ch\u1ea5t l\u01b0\u1ee3ng, m\u00e0 l\u00e0 s\u1ea3n ph\u1ea9m h\u1ecd kh\u00f4ng c\u00f3 nhu c\u1ea7u, kh\u00f4ng ph\u00f9 h\u1ee3p, th\u1eadm ch\u00ed c\u00f3 nguy c\u01a1 thi\u1ec7t h\u1ea1i l\u1edbn n\u1ebfu kh\u00f4ng c\u00f3 ti\u1ec1n \u0111\u1ec3 theo \u0111u\u1ed5i. Do \u0111\u00f3, b\u1ea3n th\u00e2n ng\u01b0\u1eddi mua c\u0169ng c\u00f3 c\u00e1i sai, kh\u00f4ng th\u1ec3 \u0111\u1ed5 to\u00e0n b\u1ed9 tr\u00e1ch nhi\u1ec7m cho cho nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m.<\/em><\/p>\n<p><em>V\u1edbi tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n, nh\u01b0ng b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u201cd\u1ee5 d\u1ed7\u201d d\u1eabn t\u1edbi nh\u1ea7m l\u1eabn chuy\u1ec3n \u0111\u1ed5i sang s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 b\u1ea3o hi\u1ec3m, \u00f4ng \u0110\u1ee9c cho r\u1eb1ng \u0111\u00e2y ho\u00e0n to\u00e0n l\u00e0 c\u00e1i sai c\u1ee7a ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, vi\u1ec7c ch\u1ee9ng minh kh\u00e1ch h\u00e0ng b\u1ecb nh\u1ea7m l\u1eabn \u0111\u1ec3 h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng kh\u00f4ng d\u1ec5 h\u01a1n vi\u1ec7c ch\u1ee9ng minh kh\u00e1ch h\u00e0ng b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u00e9p bu\u1ed9c.<\/em><\/p>\n<h5><strong>L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng?<\/strong><\/h5>\n<p>V\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a hai kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c n\u00eau trong b\u00e0i, ch\u1ecb V.T.D, m\u1ed9t \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m t\u1ea1i H\u00e0 N\u1ed9i, cho bi\u1ebft kh\u1ea3 n\u0103ng l\u1ea5y l\u1ea1i \u0111\u1ee7 g\u1ed1c v\u00e0 l\u00e3i sau 6 n\u0103m \u0111\u1ea7u g\u1ea7n nh\u01b0 kh\u00f4ng x\u1ea3y ra.<\/p>\n<p>Theo ch\u1ecb D, ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 v\u00e0o hai kho\u1ea3n m\u1ee5c khi tham gia s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, g\u1ed3m: ph\u00ed c\u01a1 b\u1ea3n v\u00e0 ph\u00ed \u0111\u1ea7u t\u01b0 th\u00eam.<\/p>\n<p>V\u1edbi ph\u00ed c\u01a1 b\u1ea3n, s\u1ed1 ti\u1ec1n kh\u00e1ch h\u00e0ng \u0111\u00f3ng b\u1ecb kh\u1ea5u tr\u1eeb cho r\u1ea5t nhi\u1ec1u chi ph\u00ed, ph\u1ea7n l\u1edbn l\u00e0 chi kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i, tr\u01b0\u1edbc khi \u0111\u01b0\u1ee3c mang \u0111i \u0111\u1ea7u t\u01b0. Theo \u0111\u00f3, kh\u00e1ch h\u00e0ng s\u1ebd m\u1ea5t h\u1eb3n kho\u1ea3n \u201cph\u00ed ban \u0111\u1ea7u\u201d trong 4-5 n\u0103m, th\u1eadm ch\u00ed 7-10 n\u0103m \u1edf c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c nhau. Ngo\u00e0i ra, kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu kho\u1ea3n \u201cph\u00ed r\u1ee7i ro\u201d m\u1ed7i th\u00e1ng trong su\u1ed1t th\u1eddi gian h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c. Nh\u01b0 v\u1eady, ph\u1ea7n ti\u1ec1n th\u1ef1c t\u1ebf \u0111\u01b0\u1ee3c mang \u0111i \u0111\u1ea7u t\u01b0 \u1edf kho\u1ea3n m\u1ee5c n\u00e0y l\u00e0 r\u1ea5t th\u1ea5p trong nh\u1eefng n\u0103m \u0111\u1ea7u ti\u00ean.<\/p>\n<p>V\u1edbi kho\u1ea3n m\u1ee5c th\u1ee9 hai, s\u1ed1 ti\u1ec1n kh\u00e1ch h\u00e0ng \u0111\u00f3ng ch\u1ec9 b\u1ecb tr\u1eeb ph\u00ed ban \u0111\u1ea7u dao \u0111\u1ed9ng trong kho\u1ea3ng 1-5%, nh\u01b0ng kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe.<\/p>\n<p>T\u1ea5t c\u1ea3 s\u1ed1 ti\u1ec1n kh\u00e1ch h\u00e0ng \u0111\u00f3ng v\u00e0o hai r\u1ed5, sau khi tr\u1eeb chi ph\u00ed, \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c qu\u1ef9 li\u00ean k\u1ebft c\u1ee7a h\u00e3ng b\u1ea3o hi\u1ec3m g\u1ed3m c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, ti\u1ec1n g\u1eedi.<\/p>\n<p>Trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng h\u1ee7y h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc h\u1ea1n s\u1ebd ph\u1ea3i ch\u1ecbu ph\u00ed h\u1ee7y h\u1ee3p \u0111\u1ed3ng. M\u1ee9c ph\u00ed n\u00e0y cao nh\u1ea5t trong 3 n\u0103m \u0111\u1ea7u, c\u00f3 th\u1ec3 l\u00ean t\u1edbi 100% ph\u00ed b\u1ea3o hi\u1ec3m ban \u0111\u1ea7u.<\/p>\n<p>\u201cKh\u00e1ch h\u00e0ng hu\u1ef7 h\u1ee3p \u0111\u1ed3ng trong giai \u0111o\u1ea1n n\u00e0y s\u1ebd m\u1ea5t g\u1ea7n nh\u01b0 to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u00f3ng, kh\u00f4ng t\u00ednh ph\u1ea7n ti\u1ec1n \u0111\u1ea7u t\u01b0 \u0111\u00f3ng th\u00eam\u201d, ch\u1ecb D ph\u00e2n t\u00edch.<\/p>\n<p><em>\u0110\u1ec3 h\u1ea1n ch\u1ebf t\u00ecnh thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng tham gia c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\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. 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<p><em>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\u1ea7m 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<p><em>\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 ho\u00e1 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<p><em>C\u0169ng theo \u00f4ng \u0110\u1ee9c, kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u1ea7n 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 tao 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. C\u1ee5 th\u1ec3, 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 kho\u1ebb (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<p>Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0, Ch\u1ee7 t\u1ecbch c\u00f4ng ty Lu\u1eadt SBLaw, 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 kho\u1ebb \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<p>\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<p>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 tho\u1ea3 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<p>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 \u2013 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<p>M\u1edbi \u0111\u00e2y, c\u01a1 qua n\u00e0y \u0111\u00e3 c\u00f3 phi\u1ebfu chuy\u1ec3n \u0111\u01a1n t\u1ed1 gi\u00e1c g\u1eedi C\u1ee5c C\u1ea3nh s\u00e1t \u0111i\u1ec1u tra t\u1ed9i ph\u1ea1m li\u00ean quan \u0111\u1ebfn vi\u1ec7c nh\u00e2n vi\u00ean gi\u1edbi thi\u1ec7u, t\u01b0 v\u1ea5n mua b\u1ea3o hi\u1ec3m Manulife x\u1ea3y ra t\u1ea1i SCB \u0111\u1ec3 c\u01a1 quan ch\u1ee9c n\u0103ng n\u00e0y xem x\u00e9t, gi\u1ea3i quy\u1ebft theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 th\u00f4ng b\u00e1o k\u1ebft qu\u1ea3 t\u1edbi B\u1ed9 T\u00e0i ch\u00ednh. Ngo\u00e0i ra, \u0111\u01a1n t\u1ed1 c\u00e1o c\u1ee7a m\u1ed9t c\u00f4ng d\u00e2n v\u1edbi n\u1ed9i dung ph\u1ea3n \u00e1nh vi\u1ec7c nh\u00e2n vi\u00ean Ng\u00e2n h\u00e0ng TMCP Ti\u00ean Phong (TPBank) \u2013 \u0111\u1ea1i l\u00fd c\u1ee7a C\u00f4ng ty TNHH B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Sun Life Vi\u1ec7t Nam, c\u00f3 h\u00e0nh vi t\u01b0 v\u1ea5n sai l\u1ec7ch, nh\u1eb1m k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, g\u00e2y thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c c\u01a1 quan n\u00e0y chuy\u1ec3n \u0111\u1ebfn c\u01a1 quan c\u00f4ng an \u0111\u1ec3 xem x\u00e9t, gi\u1ea3i quy\u1ebft.<\/p>\n<p>V\u1ec1 ph\u00e1p l\u00fd, \u00f4ng Trung cho bi\u1ebft 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<p>B\u00ean c\u1ea1nh \u0111\u00f3, 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<p>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<h5><strong>V\u00e2n Phong<\/strong><\/h5>\n<p><em>&#8212;&#8212;&#8212;&#8212;&#8212;<\/em><\/p>\n<p><strong><em>Kinh<\/em><\/strong> <strong><em>t\u1ebf S\u00e0i G\u00f2n 07-3-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/thesaigontimes.vn\/tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/\">https:\/\/thesaigontimes.vn\/tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/<\/a><\/em><\/p>\n<p><em>(889\/3.053) #baohiem #nganhang #NHNN #BTC #anvi<\/em>","protected":false},"excerpt":{"rendered":"<p>Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng? (KTSG) \u2013 C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb kh\u00e1ch h\u00e0ng c\u1ea7n tim hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7 sinh m\u1ea1ng, s\u1ee9c kho\u1ebb \u0111\u1ec3 nh\u1eadn bi\u1ebft gi\u1eefa h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c d\u1ea1ng [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36099,"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-36097","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":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: 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 li\u00ean quan \u0111\u1ebfn bancassurance | C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb KH c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7...\" \/>\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\/3-988-tranh-chap-lien-quan-den-bancassurance-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]3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance | C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb KH c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-07T07:39:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-02T04:14:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4.png\" \/>\n\t<meta property=\"og:image:width\" content=\"945\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"18 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?\",\"datePublished\":\"2023-03-07T07:39:15+00:00\",\"dateModified\":\"2024-12-02T04:14:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/\"},\"wordCount\":4800,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/Picture1-4.png\",\"keywords\":[\"Lu\u1eadt s\u01b0 B\u1ea3o hi\u1ec3m\",\"Lu\u1eadt s\u01b0 Doanh nghi\u1ec7p\",\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"Ph\u1ecfng v\u1ea5n\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/\",\"name\":\"[:vi]3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/Picture1-4.png\",\"datePublished\":\"2023-03-07T07:39:15+00:00\",\"dateModified\":\"2024-12-02T04:14:47+00:00\",\"description\":\"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance | C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb KH c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7...\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/Picture1-4.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/Picture1-4.png\",\"width\":945,\"height\":650,\"caption\":\"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\",\"name\":\"administrator\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g\",\"caption\":\"administrator\"},\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/administrator\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm","description":"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance | C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb KH c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm","og_description":"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance | C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb KH c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7...","og_url":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2023-03-07T07:39:15+00:00","article_modified_time":"2024-12-02T04:14:47+00:00","og_image":[{"width":945,"height":650,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4.png","type":"image\/png"}],"author":"administrator","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"administrator","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"18 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/"},"author":{"name":"administrator","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b"},"headline":"3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?","datePublished":"2023-03-07T07:39:15+00:00","dateModified":"2024-12-02T04:14:47+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/"},"wordCount":4800,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4.png","keywords":["Lu\u1eadt s\u01b0 B\u1ea3o hi\u1ec3m","Lu\u1eadt s\u01b0 Doanh nghi\u1ec7p","Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["Ph\u1ecfng v\u1ea5n","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/","url":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/","name":"[:vi]3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4.png","datePublished":"2023-03-07T07:39:15+00:00","dateModified":"2024-12-02T04:14:47+00:00","description":"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance | C\u00e1c chuy\u00ean gia khuy\u1ebfn ngh\u1ecb KH c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, gi\u00e1 tr\u1ecb b\u1ea3o v\u1ec7...","breadcrumb":{"@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/Picture1-4.png","width":945,"height":650,"caption":"Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/vi\/3-988-tranh-chap-lien-quan-den-bancassurance-lam-gi-de-bao-ve-quyen-loi-khach-hang\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"3.988. Tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn bancassurance: L\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng?"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/eb3eded70711d9ebee6ffdcf3118521b","name":"administrator","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b4cad1cc3230c0a6032a9bbe5c29009e3463315571ae4d836ed00aa783418a8?s=96&d=mm&r=g","caption":"administrator"},"url":"https:\/\/anvilaw.com\/vi\/author\/administrator\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36097","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=36097"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36097\/revisions"}],"predecessor-version":[{"id":44543,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36097\/revisions\/44543"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/36099"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=36097"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=36097"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=36097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}