{"id":36235,"date":"2023-03-11T09:41:59","date_gmt":"2023-03-11T02:41:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36235"},"modified":"2024-11-29T16:14:24","modified_gmt":"2024-11-29T09:14:24","slug":"3-440-tim-lai-niem-tin-cho-bancassurance","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-441-tim-lai-niem-tin-cho-bancassurance\/","title":{"rendered":"3.441. T\u00ecm l\u1ea1i ni\u1ec1m tin cho bancassurance?"},"content":{"rendered":"

T\u00ecm l\u1ea1i ni\u1ec1m tin cho bancassurance?<\/span><\/h4>\n
(VNB) – \u0110\u1ec3 t\u00ecm l\u1ea1i nh\u1eefng ni\u1ec1m tin v\u1ed1n \u0111ang b\u1ecb x\u00f3i m\u00f2n b\u1edfi nh\u1eefng v\u1ee5 vi\u1ec7c kh\u00f4ng hay x\u1ea3y ra li\u00ean ti\u1ebfp trong th\u1eddi gian g\u1ea7n \u0111\u00e2y c\u1ee7a bancassurance, c\u1ea7n s\u1ef1 g\u00f3p s\u1ee9c t\u1eeb nhi\u1ec1u ph\u00eda. N\u00ean ch\u0103ng c\u1ea7n ki\u00ean quy\u1ebft x\u1eed l\u00fd v\u00e0i tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 \u0111\u1ec3 mang t\u00ednh r\u0103n \u0111e cho th\u1ecb tr\u01b0\u1eddng.<\/h5>\n
Ni\u1ec1m tin b\u1ecb \u0111\u00e1nh m\u1ea5t…<\/strong><\/h5>\n

Nh\u1eefng h\u00e0ng r\u00e0o s\u1eaft ch\u1eafn tr\u01b0\u1edbc c\u1eeda C\u00f4ng ty b\u1ea3o hi\u1ec3m Manulife hay h\u00e0ng tr\u0103m cu\u1ed9c g\u1ecdi ph\u1ea3n \u00e1nh th\u00f4ng tin ti\u00eau c\u1ef1c v\u1ec1 b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng m\u00e0 t\u1ed5ng \u0111\u00e0i n\u00f3ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) nh\u1eadn \u0111\u01b0\u1ee3c trong nh\u1eefng ng\u00e0y qua l\u00e0 minh ch\u1ee9ng r\u00f5 r\u00e0ng nh\u1ea5t v\u1ec1 s\u1ef1 s\u1ee5t gi\u1ea3m m\u1ea1nh uy t\u00edn c\u1ee7a k\u00eanh bancassurance.<\/p>\n

M\u1ed9t h\u00ecnh th\u1ee9c h\u1ee3p t\u00e1c v\u1ed1n c\u00f3 b\u1ea3n ch\u1ea5t t\u1ed1t, mang l\u1ea1i l\u1ee3i \u00edch cho nhi\u1ec1u b\u00ean th\u00ec nay l\u1ea1i \u0111ang t\u1ea1o \u1ea5n t\u01b0\u1ee3ng x\u1ea5u trong m\u1eaft nhi\u1ec1u kh\u00e1ch h\u00e0ng.<\/p>\n

\"T\u00ecm

Nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n k\u00e9o \u0111\u1ebfn tr\u1ee5 s\u1edf c\u1ee7a B\u1ea3o hi\u1ec3m Manulife \u0111\u1ec3 \u0111\u00f2i l\u1ea1i ti\u1ec1n | \u1ea2nh: Saostar<\/p><\/div>\n

Nh\u00ecn m\u1ed9t c\u00e1ch kh\u00e1ch quan, vi\u1ec7c h\u1ee3p t\u00e1c b\u00e1n ch\u00e9o gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m mang l\u1ea1i l\u1ee3i \u00edch kh\u00f4ng ch\u1ec9 v\u1edbi hai t\u1ed5 ch\u1ee9c n\u00e0y m\u00e0 c\u00f2n v\u1edbi c\u1ea3 kh\u00e1ch h\u00e0ng.<\/p>\n

V\u1edbi d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng kh\u1ed5ng l\u1ed3 v\u1edbi chi ti\u1ebft t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ea7y ti\u1ec1m n\u0103ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. C\u00f9ng v\u1edbi \u0111\u00f3, uy t\u00edn mang t\u00ednh ch\u1ea5t \u0111\u1eb7c th\u00f9 c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh c\u0169ng l\u00e0 m\u1ed9t th\u1ebf m\u1ea1nh c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m t\u1ea1i ng\u00e2n h\u00e0ng.<\/p>\n

V\u1ec1 ph\u00eda kh\u00e1ch h\u00e0ng, khi \u0111\u1ebfn ng\u00e2n h\u00e0ng ngo\u00e0i nh\u1eefng d\u1ecbch v\u1ee5 truy\u1ec1n th\u1ed1ng, c\u00e1c s\u1ea3n ph\u1ea9m b\u00e1n ch\u00e9o gi\u00fap cho h\u1ecd c\u00f3 s\u1ef1 \u0111a d\u1ea1ng v\u1ec1 s\u1ea3n ph\u1ea9m, ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c th\u1eddi gian, c\u00f4ng s\u1ee9c. H\u01a1n n\u1eefa, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 nh\u1eefng ng\u01b0\u1eddi hi\u1ec3u r\u00f5 v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd nh\u1ea5t, t\u1eeb \u0111\u00f3 s\u1ebd c\u00f3 th\u1ec3 \u0111\u01b0a ra c\u00e1c ph\u01b0\u01a1ng \u00e1n ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p nh\u1ea5t trong \u0111\u00f3 c\u00f3 vi\u1ec7c mua b\u1ea3o hi\u1ec3m.<\/p>\n

C\u00e1c chuy\u00ean gia trong ng\u00e0nh cho bi\u1ebft t\u1ea1i c\u00e1c th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng chi\u1ebfm t\u1ef7 l\u1ec7 \u0111\u1ebfn 50% t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, v\u00ec t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a n\u00f3 trong khi \u0111\u00f3 t\u1ea1i Vi\u1ec7t Nam t\u1ef7 l\u1ec7 n\u00e0y m\u1edbi ch\u1ec9 kho\u1ea3ng 20%.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c ph\u00e1t tri\u1ec3n qu\u00e1 n\u00f3ng, \u00e1p l\u1ef1c b\u00e1n h\u00e0ng ng\u00e0y c\u00e0ng cao \u0111\u00e3 khi\u1ebfn ho\u1ea1t \u0111\u1ed9ng n\u00e0y ph\u00e1t sinh nhi\u1ec1u \u0111i\u1ec3m ti\u00eau c\u1ef1c v\u00e0 b\u1ea5t c\u1eadp trong qu\u1ea3n l\u00fd, xu\u1ea5t hi\u1ec7n r\u00f5 r\u1ec7t s\u1ef1 bi\u1ebfn t\u01b0\u1edbng c\u1ee7a bancassurance. “B\u00e1n bia k\u00e8m l\u1ea1c”, “\u00e9p mua b\u1ea3o hi\u1ec3m”, “t\u01b0 v\u1ea5n sai l\u1ec7ch”,… l\u00e0 nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh nhi\u1ec1u nh\u1ea5t trong th\u1eddi gian qua.<\/p>\n

Nh\u1eefng m\u1eb7t tr\u00e1i n\u00e0y \u0111\u00e3 l\u00e0m ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb lung lay v\u00e0 khi ni\u1ec1m tin m\u1ea5t \u0111i th\u00ec thi\u1ec7t h\u1ea1i l\u1edbn nh\u1ea5t ch\u00ednh l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng, sau \u0111\u00f3 l\u00e0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/p>\n

S\u1ef1 quan t\u00e2m \u0111\u1ebfn mu\u1ed9n<\/strong><\/h5>\n

Tr\u00ean th\u1ef1c t\u1ebf trong th\u1eddi gian qua, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u1eadp trung qu\u00e1 nhi\u1ec1u v\u00e0o doanh s\u1ed1 b\u00e1n h\u00e0ng thay v\u00ec gi\u00e1m s\u00e1t vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m \u0111\u00fang quy tr\u00ecnh.<\/p>\n

Nh\u1eefng khi\u1ebfu n\u1ea1i \u0111\u00e3 xu\u1ea5t hi\u1ec7n nhi\u1ec1u l\u1ea7n trong c\u00e1c n\u0103m tr\u01b0\u1edbc v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng \u0111\u00e3 c\u00f3 nh\u1eefng khuy\u1ebfn c\u00e1o, y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh trong vi\u1ec7c b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m nh\u01b0ng vi\u1ec7c thi\u1ebfu \u0111i nh\u1eefng ch\u1ebf t\u00e0i m\u1ea1nh khi\u1ebfn cho t\u00ecnh tr\u1ea1ng n\u00e0y v\u1eabn ti\u1ebfp t\u1ee5c di\u1ec5n ra.<\/p>\n

Cho t\u1edbi khi c\u00e1c s\u1ef1 v\u1ee5 b\u00f9ng ph\u00e1t r\u1ed9ng v\u00e0 \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh li\u00ean ti\u1ebfp tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, s\u1ef1 v\u00e0o cu\u1ed9c c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd m\u1edbi \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh v\u00e0 quy\u1ebft li\u1ec7t h\u01a1n. C\u00e1c ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i “r\u00f3n r\u00e9n” h\u01a1n trong vi\u1ec7c b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/p>\n

Ng\u00e0y 20\/2, B\u1ed9 tr\u01b0\u1edfng T\u00e0i ch\u00ednh H\u1ed3 \u0110\u1ee9c Ph\u1edbc c\u00f3 ch\u1ec9 \u0111\u1ea1o \u2018n\u00f3ng\u2019 vi\u1ec7c \u00e9p bu\u1ed9c kh\u00e1ch vay ng\u00e2n h\u00e0ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m.<\/p>\n

Theo \u0111\u00f3, B\u1ed9 tr\u01b0\u1edfng y\u00eau c\u1ea7u thanh, ki\u1ec3m tra c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, kh\u00f4ng \u0111\u1ec3 ti\u1ebfp t\u1ee5c x\u1ea3y ra t\u00ecnh tr\u1ea1ng doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft v\u1edbi ng\u00e2n h\u00e0ng \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng t\u1edbi giao d\u1ecbch ph\u1ea3i mua b\u1ea3o hi\u1ec3m m\u1edbi cho vay v\u1ed1n v\u00e0 vi\u1ec7c gi\u1edbi thi\u1ec7u ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m \u0111\u1ea7u t\u01b0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft tr\u00e1i quy \u0111\u1ecbnh.<\/p>\n

B\u1ed9 tr\u01b0\u1edfng T\u00e0i ch\u00ednh H\u1ed3 \u0110\u1ee9c Ph\u1edbc. (\u1ea2nh:\u00a0Qu\u1ed1c h\u1ed9i<\/em>).<\/h6>\n

Ng\u00e0y 21\/2, \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f9ng v\u1edbi C\u1ee5c Qu\u1ea3n l\u00fd gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m qu\u1ea3n l\u00fd \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u0111\u1ec3 nh\u1eadn ph\u1ea3n \u00e1nh, ki\u1ebfn ngh\u1ecb c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 c\u00e1c c\u01a1 quan, doanh nghi\u1ec7p li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Ng\u00e0y 24\/2, NHNN c\u0169ng \u0111\u00e3 h\u1ecdp v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 b\u00e0n gi\u1ea3i ph\u00e1p thay \u0111\u1ed5i, c\u1ea3i thi\u1ec7n vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng.<\/p>\n

T\u1ea1i cu\u1ed9c h\u1ecdp n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f9ng nhau \u0111\u01b0a ra gi\u1ea3i ph\u00e1p \u0111\u00f3 l\u00e0 t\u0103ng c\u01b0\u1eddng \u0111\u00e0o t\u1ea1o nh\u00e2n vi\u00ean b\u00e1n h\u00e0ng c\u00f9ng v\u1edbi gi\u00e1m s\u00e1t ch\u1eb7t vi\u1ec7c v\u1eadn h\u00e0nh; t\u00e1ch bi\u1ec7t b\u1ed9 ph\u1eadn bancas ra kh\u1ecfi kh\u1ed1i giao d\u1ecbch chung; nghi\u00eam c\u1ea5m vi\u1ec7c \u0111i\u1ec1n h\u1ed9 th\u00f4ng tin cho kh\u00e1ch h\u00e0ng trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m; t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c thanh tra;…<\/p>\n

Trong \u0111\u00f3, gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c nhi\u1ec1u \u00fd ki\u1ebfn cho l\u00e0 quan tr\u1ecdng nh\u1ea5t l\u00e0 kh\u00f4ng giao v\u00e0 \u00e9p ch\u1ec9 ti\u00eau (KPI) \u0111\u1ed1i v\u1edbi nh\u00e2n vi\u00ean l\u00e0m bancas. Vi\u1ec7c giao, t\u0103ng v\u00e0 \u00e9p KPI \u0111\u01b0\u1ee3c cho l\u00e0 m\u1ed9t nguy\u00ean nh\u00e2n khi\u1ebfn ph\u00e1t sinh nh\u1eefng s\u1ef1 v\u1ee5 “con s\u00e2u l\u00e0m r\u1ea7u n\u1ed3i canh” n\u00f3i tr\u00ean. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 kh\u00f4ng mang l\u1ea1i doanh s\u1ed1 cao tr\u01b0\u1edbc m\u1eaft nh\u01b0ng l\u1ea1i khi\u1ebfn cho bancas c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n l\u00e2u d\u00e0i h\u01a1n.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng \u0111\u00e3 th\u1ef1c hi\u1ec7n l\u1ea5y \u00fd ki\u1ebfn v\u1ec1 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. Trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m ph\u1ea3i ghi \u00e2m, l\u01b0u l\u1ea1i to\u00e0n b\u1ed9 n\u1ed9i dung t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng trong v\u00f2ng 5 n\u0103m. C\u00e1c t\u00e0i li\u1ec7u s\u1ea3n ph\u1ea9m ph\u1ea3i ph\u1ea3n \u00e1nh \u0111\u1ee7, r\u00f5 r\u00e0ng m\u00e0 kh\u00f4ng t\u1ea1o cho ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m b\u1ea5t k\u1ef3 k\u1ef3 v\u1ecdng ho\u1eb7c hi\u1ec3u l\u1ea7m n\u00e0o.<\/p>\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u \u0111\u1ecbnh k\u1ef3 ki\u1ec3m tra ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n v\u00e0 ph\u1ed1i h\u1ee3p x\u1eed l\u00fd khi\u1ebfu n\u1ea1i v\u1edbi c\u00e1c nh\u00e0 b\u0103ng, trong \u0111\u00f3 c\u00f3 ki\u1ec3m tra \u0111\u1ed9c l\u1eadp tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng c\u00e2u chuy\u1ec7n b\u1ea3o hi\u1ec3m hi\u1ec7n nay \u0111\u00f2i h\u1ecfi s\u1ef1 \u1ee9ng x\u1eed m\u1ea1nh m\u1ebd h\u01a1n t\u1eeb ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd, thay v\u00ec ch\u1edd \u0111\u1ee3i n\u00ean ki\u00ean quy\u1ebft x\u1eed l\u00fd v\u00e0i tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 \u0111\u1ec3 mang t\u00ednh r\u0103n \u0111e cho th\u1ecb tr\u01b0\u1eddng.<\/p>\n

L\u00e0m th\u1ec3 n\u00e0o \u0111\u1ec3 kh\u00f4i ph\u1ee5c ni\u1ec1m tin cho bancas?<\/strong><\/h5>\n

Chia s\u1ebb v\u1edbi ch\u00fang t\u00f4i, \u00f4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng, T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng (VNBA), cho r\u1eb1ng \u0111\u1ec3 c\u00f3 th\u1ec3 l\u1ea5y l\u1ea1i \u0111\u01b0\u1ee3c ni\u1ec1m tin v\u00e0o k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng c\u1ea7n s\u1ef1 g\u00f3p s\u1ee9c t\u1eeb nhi\u1ec1u ph\u00eda, t\u1eeb ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 c\u1ea3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

\u00d4ng Nguy\u1ec5n Qu\u1ed1c H\u00f9ng – T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng Vi\u1ec7t Nam. (\u1ea2nh:\u00a0VNBA).<\/em><\/p>\n

V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng, khi b\u00e1n s\u1ea3n ph\u1ea9m cho kh\u00e1ch h\u00e0ng c\u1ea7n t\u01b0 v\u1ea5n \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin, \u0111i\u1ec3m l\u1ee3i v\u00e0 thi\u1ec7t c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh kh\u00f4ng ch\u1ec9 ri\u00eang b\u1ea3o hi\u1ec3m. Trong \u0111\u00f3, \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd tinh th\u1ea7n t\u1ef1 nguy\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng khi mua b\u1ea3o hi\u1ec3m.<\/p>\n

C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u1ea7n c\u00f3 b\u1ea3n gi\u1ea3i th\u00edch r\u00f5 v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh, t\u0103ng c\u01b0\u1eddng vi\u1ec7c \u0111\u00e0o t\u1ea1o t\u1eadp hu\u1ea5n c\u00e1c \u0111\u1ea1i l\u00fd v\u1ec1 s\u1ea3n ph\u1ea9m, \u0111\u1ed3ng th\u1eddi theo s\u00e1t v\u00e0 qu\u1ea3n l\u00fd v\u00e0 ki\u1ec3m tra vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i.<\/p>\n

\u00d4ng c\u0169ng l\u01b0u \u00fd v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng, tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua ho\u1eb7c d\u00f9ng s\u1ea3n ph\u1ea9m g\u00ec c\u0169ng n\u00ean t\u00ecm hi\u1ec3u k\u1ef9 v\u1ec1 n\u00f3, tr\u00e1nh v\u00ec nh\u1eefng l\u1ee3i \u00edch tr\u01b0\u1edbc m\u1eaft m\u00e0 b\u1ecf qua nh\u1eefng \u0111i\u1ec1u kho\u1ea3n v\u00e0 y\u1ebfu t\u1ed1 b\u1ea5t l\u1ee3i c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n

“M\u1ecdi ng\u01b0\u1eddi ph\u1ea3i xem s\u1ea3n ph\u1ea9m n\u00e0y (b\u1ea3o hi\u1ec3m, tr\u00e1i phi\u1ebfu – PV) t\u01b0\u01a1ng \u0111\u01b0\u01a1ng nh\u01b0 nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00e1c nh\u01b0 ch\u1ee9ng kho\u00e1n hay b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Khi m\u1ea5t ti\u1ec1n \u1edf c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y, ng\u01b0\u1eddi ta \u0111\u00e2u d\u00e1m k\u00eau ai”, \u00f4ng n\u00f3i.<\/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>, v\u1ec1 b\u1ea3n ch\u1ea5t l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m 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 b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

V\u00ec v\u1eady, c\u00e1c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a ch\u00ednh doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec1u ph\u1ea3i \u0111\u1ea3m b\u1ea3o c\u00f3 \u0111\u1ee7 tr\u00ecnh \u0111\u1ed9, quy chu\u1ea9n \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng.<\/em><\/p>\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m 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 b\u1ea3o hi\u1ec3m 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.<\/em><\/p>\n

Theo \u00f4ng \u0110\u1ee9c, hi\u1ec7n nay ph\u00e1p lu\u1eadt \u0111\u00e3 quy \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i r\u00f5 v\u1ec1 tr\u00e1ch nhi\u1ec7m v\u00e0 ch\u1ebf t\u00e0i \u0111\u1ed1i v\u1edbi c\u00e1c b\u00ean li\u00ean quan. Quan tr\u1ecdng l\u00e0 ph\u00eda ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m kh\u00f4ng n\u00ean ch\u1ec9 th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt m\u00e0 c\u1ea7n ph\u1ea3i \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.<\/em><\/p>\n

V\u1ec1 ph\u00eda kh\u00e1ch h\u00e0ng th\u00ec 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

N\u00f3i th\u00eam v\u1ec1 vi\u1ec7c ghi \u00e2m n\u1ed9i dung t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0cho r\u1eb1ng quy \u0111\u1ecbnh n\u00e0y 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 b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. C\u00e1c v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 ghi \u00e2m \u1edf \u0111\u00e2u, khi n\u00e0o, bao nhi\u00eau l\u00e0 \u0111\u1ee7 v\u00e0 ai s\u1ebd l\u00e0 ng\u01b0\u1eddi x\u00e1c minh ki\u1ec3m tra t\u00e0i li\u1ec7u ghi \u00e2m n\u00e0y?<\/em><\/p>\n

T\u1ef1u chung l\u1ea1i, mu\u1ed1n x\u1eed l\u00fd \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 “m\u1eb7t tr\u00e1i” c\u1ee7a b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng c\u1ea7n s\u1ef1 v\u00e0o cu\u1ed9c th\u1ef1c s\u1ef1 c\u1ee7a c\u00e1c b\u00ean t\u1eeb c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1ebfn nh\u00e0 cung c\u1ea5p s\u1ea3n ph\u1ea9m (ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m) v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

K\u1ef3 v\u1ecdng r\u1eb1ng s\u1ef1 b\u1eaft tay v\u00e0o cu\u1ed9c c\u1ee7a nhi\u1ec1u b\u00ean trong giai \u0111o\u1ea1n n\u00e0y s\u1ebd l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i h\u01b0\u1edbng \u0111i t\u1ed1t h\u01a1n, \u0111\u00fang b\u1ea3n ch\u1ea5t h\u01a1n cho bancassurance trong th\u1eddi gian t\u1edbi.<\/p>\n

Di\u1ec7p<\/strong> B\u00ecnh<\/strong><\/h5>\n

—————–<\/p>\n

VietnamBiz (T\u00e0i ch\u00ednh) 11-3-2023 (B\u00e0i cu\u1ed1i trong lo\u1ea1t b\u00e0i B\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng):<\/em><\/strong><\/p>\n

https:\/\/vietnambiz.vn\/ban-bao-hiem-qua-ngan-hang-bai-cuoi-tim-lai-niem-tin-cho-bancassurance-20233816248153.htm<\/em><\/a><\/p>\n

(336\/1.904) #baohiem #nganhang\u00a0<\/em>","protected":false},"excerpt":{"rendered":"

T\u00ecm l\u1ea1i ni\u1ec1m tin cho bancassurance? (VNB) – \u0110\u1ec3 t\u00ecm l\u1ea1i nh\u1eefng ni\u1ec1m tin v\u1ed1n \u0111ang b\u1ecb x\u00f3i m\u00f2n b\u1edfi nh\u1eefng v\u1ee5 vi\u1ec7c kh\u00f4ng hay x\u1ea3y ra li\u00ean ti\u1ebfp trong th\u1eddi gian g\u1ea7n \u0111\u00e2y c\u1ee7a bancassurance, c\u1ea7n s\u1ef1 g\u00f3p s\u1ee9c t\u1eeb nhi\u1ec1u ph\u00eda. N\u00ean ch\u0103ng c\u1ea7n ki\u00ean quy\u1ebft x\u1eed l\u00fd v\u00e0i tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 […]<\/p>\n","protected":false},"author":1,"featured_media":36236,"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-36235","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":"\n3.441. 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