{"id":36964,"date":"2023-05-10T06:21:03","date_gmt":"2023-05-09T23:21:03","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36964"},"modified":"2024-11-27T15:14:06","modified_gmt":"2024-11-27T08:14:06","slug":"3-494-hop-dong-bao-hiem-thuong-duoc-in-san-noi-dung-bat-loi-de-thuoc-ve-ben-mua","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-494-hop-dong-bao-hiem-thuong-duoc-in-san-noi-dung-bat-loi-de-thuoc-ve-ben-mua\/","title":{"rendered":"3.494. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c in s\u1eb5n n\u1ed9i dung, b\u1ea5t l\u1ee3i d\u1ec5 thu\u1ed9c v\u1ec1 b\u00ean mua"},"content":{"rendered":"

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c in s\u1eb5n n\u1ed9i dung, b\u1ea5t l\u1ee3i d\u1ec5 thu\u1ed9c v\u1ec1 b\u00ean mua<\/span><\/h4>\n
(1TG) – <\/strong>Ch\u1ee7 t\u1ecbch \u1ee6y ban Trung \u01b0\u01a1ng MTTQ Vi\u1ec7t Nam \u0110\u1ed7 V\u0103n Chi\u1ebfn cho hay, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c in s\u1eb5n, \u0111\u00e3 \u0111\u01b0\u1ee3c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n th\u1ea9m \u0111\u1ecbnh, v\u00ec tin t\u01b0\u1edfng n\u00ean ng\u01b0\u1eddi d\u00e2n kh\u00f4ng \u0111\u1ecdc ho\u1eb7c \u0111\u1ecdc c\u0169ng kh\u00f4ng hi\u1ec3u r\u00f5, n\u00ean \u0111i\u1ec1u kho\u1ea3n b\u1ea5t l\u1ee3i th\u01b0\u1eddng thu\u1ed9c v\u1ec1 b\u00ean mua.<\/strong><\/h5>\n
Thanh tra\u00a0ng\u00e2n h\u00e0ng\u00a0li\u00ean k\u1ebft b\u00e1n\u00a0b\u1ea3o hi\u1ec3m<\/strong><\/h5>\n

S\u00e1ng 10.5, \u1ee6y ban Th\u01b0\u1eddng v\u1ee5\u00a0Qu\u1ed1c h\u1ed9i\u00a0tham gia \u00fd ki\u1ebfn d\u1ef1 th\u1ea3o b\u00e1o c\u00e1o t\u1ed5ng h\u1ee3p \u00fd ki\u1ebfn, ki\u1ebfn ngh\u1ecb c\u1ee7a c\u1eed tri v\u00e0 nh\u00e2n d\u00e2n g\u1eedi \u0111\u1ebfn k\u1ef3 h\u1ecdp th\u1ee9 5 Qu\u1ed1c h\u1ed9i kh\u00f3a 15.<\/p>\n

Ban D\u00e2n nguy\u1ec7n c\u1ee7a Qu\u1ed1c h\u1ed9i ki\u1ebfn ngh\u1ecb Ch\u00ednh ph\u1ee7, Th\u1ee7 t\u01b0\u1edbng ch\u1ec9 \u0111\u1ea1o B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 b\u1ed9 ng\u00e0nh c\u00f3 li\u00ean quan t\u0103ng c\u01b0\u1eddng thanh tra, ki\u1ec3m tra doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

Ngo\u00e0i ra, Ban D\u00e2n nguy\u1ec7n ki\u1ebfn ngh\u1ecb c\u00e1c c\u01a1 quan c\u1ee7a Ch\u00ednh ph\u1ee7 ki\u1ec3m tra, r\u00e0 so\u00e1t l\u1ea1i nh\u1eefng\u00a0h\u1ee3p \u0111\u1ed3ng\u00a0m\u1eabu v\u1ec1 m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m.<\/p>\n

Ch\u1ee7 t\u1ecbch \u1ee6y ban Trung \u01b0\u01a1ng MTTQ Vi\u1ec7t Nam \u0110\u1ed7 V\u0103n Chi\u1ebfn cho hay nhi\u1ec1u ng\u01b0\u1eddi g\u1eb7p r\u1ee7i ro khi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m, mua tr\u00e1i phi\u1ebfu, mua b\u1ea3o hi\u1ec3m… Theo \u0111\u00f3, \u00f4ng Chi\u1ebfn \u0111\u1ec1 ngh\u1ecb t\u0103ng c\u01b0\u1eddng h\u01a1n n\u1eefa c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, c\u00f3 ch\u1ebf t\u00e0i \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi d\u00e2n khi tham gia k\u00fd k\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ee3p \u0111\u1ed3ng mua th\u1ebb k\u1ef3 ngh\u1ec9.<\/p>\n

\"H\u1ee3p

Ch\u1ee7 t\u1ecbch \u1ee6y ban Trung \u01b0\u01a1ng MTTQ Vi\u1ec7t Nam \u0110\u1ed7 V\u0103n Chi\u1ebfn<\/p><\/div>\n

\u201c\u0110\u00e2y th\u01b0\u1eddng l\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c in s\u1eb5n, \u0111\u00e3 \u0111\u01b0\u1ee3c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n th\u1ea9m \u0111\u1ecbnh, v\u00ec tin t\u01b0\u1edfng n\u00ean ng\u01b0\u1eddi d\u00e2n kh\u00f4ng \u0111\u1ecdc ho\u1eb7c \u0111\u1ecdc c\u0169ng kh\u00f4ng hi\u1ec3u r\u00f5 n\u00ean \u0111i\u1ec1u kho\u1ea3n\u00a0b\u1ea5t l\u1ee3i\u00a0th\u01b0\u1eddng thu\u1ed9c v\u1ec1 b\u00ean mua, g\u00e2y thi\u1ec7t h\u1ea1i c\u1ea3 v\u1ec1 v\u1eadt ch\u1ea5t v\u00e0 tinh th\u1ea7n cho ng\u01b0\u1eddi d\u00e2n\u201d, \u00f4ng Chi\u1ebfn n\u00eau.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, v\u00e0o \u0111\u1ea7u th\u00e1ng 5.2023, B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft th\u00f4ng qua \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng, \u0111\u1ebfn cu\u1ed1i th\u00e1ng 4 b\u1ed9 \u0111\u00e3 ti\u1ebfp nh\u1eadn 192 ki\u1ebfn ngh\u1ecb, ph\u1ea3n \u00e1nh v\u00e0 299 ki\u1ebfn ngh\u1ecb, ph\u1ea3n \u00e1nh qua email li\u00ean quan \u0111\u1ebfn b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng ph\u00e2n lo\u1ea1i x\u1eed l\u00fd 350 \u0111\u01a1n t\u1ed1 c\u00e1o li\u00ean quan \u0111\u1ebfn ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (Bancassurance). Thanh tra b\u1ed9 \u0111\u00e3 ch\u1ee7 tr\u00ec bu\u1ed5i ti\u1ebfp d\u00e2n v\u1edbi s\u1ef1 tham gia c\u1ee7a \u0111\u1ea1i di\u1ec7n C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m, l\u00e0m vi\u1ec7c v\u1edbi 5 c\u00f4ng d\u00e2n \u0111\u1ea1i di\u1ec7n cho nh\u00f3m ng\u01b0\u1eddi \u0111\u1ebfn B\u1ed9 T\u00e0i ch\u00ednh.<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng thu th\u1eadp h\u1ed3 s\u01a1, t\u00e0i li\u1ec7u, ph\u00e2n t\u00edch, \u0111\u00e1nh gi\u00e1 5 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m thu\u1ed9c k\u1ebf ho\u1ea1ch thanh tra n\u0103m 2023 theo k\u1ebf ho\u1ea1ch thanh tra c\u00e1c doanh nghi\u1ec7p trong l\u0129nh v\u1ef1c kinh doanh b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ed9 ph\u00ea duy\u1ec7t.<\/p>\n

\u0110\u1ed1i v\u1edbi c\u00e1c th\u00f4ng tin ph\u1ea3n \u00e1nh qua \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng v\u1ec1 vi\u1ec7c b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m khi gi\u1ea3i ng\u00e2n kho\u1ea3n vay, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 chuy\u1ec3n th\u00f4ng tin cho c\u01a1 quan thanh tra, gi\u00e1m s\u00e1t Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 ph\u1ed1i h\u1ee3p qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t.<\/p>\n

V\u00ec sao ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch mua b\u1ea3o hi\u1ec3m?<\/strong><\/h5>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean\u00a0M\u1ed9t Th\u1ebf Gi\u1edbi<\/em>\u00a0v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, chuy\u00ean gia kinh t\u1ebf, PGS-TS \u0110inh Tr\u1ecdng Th\u1ecbnh (H\u1ecdc vi\u1ec7n T\u00e0i ch\u00ednh) cho r\u1eb1ng, trong th\u1ef1c t\u1ebf, \u0111a s\u1ed1 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m th\u01b0\u1eddng ch\u1ec9 quan t\u00e2m t\u1edbi quy\u1ec1n l\u1ee3i m\u00e0 \u0111\u00f4i khi \u201cb\u1ecf qu\u00ean\u201d t\u00ecm hi\u1ec3u nh\u1eefng \u0111i\u1ec1u ki\u1ec7n r\u00e0ng bu\u1ed9c. Trong khi \u0111\u00f3 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0y s\u1ebd quy\u1ebft \u0111\u1ecbnh vi\u1ec7c ng\u01b0\u1eddi tham gia c\u00f3 \u0111\u01b0\u1ee3c nh\u1eadn quy\u1ec1n l\u1ee3i hay kh\u00f4ng khi s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra.<\/p>\n

\u201cLu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m (s\u1eeda \u0111\u1ed5i) \u0111\u00e3 quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n quy\u1ec1n kinh doanh v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, c\u1ea7n qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n tr\u00e1ch nhi\u1ec7m c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng \u0111\u00e0o \u0111\u1ea1o \u0111\u1ed9i ng\u0169 t\u01b0 v\u1ea5n vi\u00ean \u0111\u1ea3m b\u1ea3o \u0111\u1ee7 t\u00e2m, \u0111\u1ee7 t\u1ea7m\u201d, \u00f4ng Th\u1ecbnh n\u00f3i.<\/p>\n

Ban D\u00e2n nguy\u1ec7n ki\u1ebfn ngh\u1ecb r\u00e0 so\u00e1t l\u1ea1i nh\u1eefng h\u1ee3p \u0111\u1ed3ng m\u1eabu v\u1ec1 m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/h5>\n

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>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC ph\u00e2n t\u00edch s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u1ed1t v\u00e0 c\u1ea7n thi\u1ebft nh\u01b0ng b\u00e1n r\u1ea5t kh\u00f3, n\u00ean b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ea5p nh\u1eadn chi ph\u00ed b\u00e1n h\u00e0ng cao, t\u1ee9c tr\u1ea3 th\u00f9 lao cao (ti\u1ec1n c\u00f4ng, ph\u00ed, hoa h\u1ed3ng). \u0110\u00f3 c\u0169ng l\u00e0 l\u00fd do h\u1ea5p d\u1eabn n\u00ean c\u00f3 r\u1ea5t nhi\u1ec1u \u0111\u1ea1i l\u00fd b\u00e1n b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f3 ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Ngo\u00e0i ra, theo \u00f4ng \u0110\u1ee9c, c\u1ea3 kh\u00e1ch h\u00e0ng g\u1eedi v\u00e0 vay ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec1u l\u00e0 kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng r\u1ea5t l\u1edbn c\u1ee7a b\u1ea3o hi\u1ec3m, b\u00ean b\u1ea3o hi\u1ec3m c\u00f3 kh\u1ea3 n\u0103ng b\u00e1n \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ea3n ph\u1ea9m v\u00e0 c\u00f3 hi\u1ec7u qu\u1ea3 cao (c\u00f3 th\u1ec3 v\u00ed nh\u01b0 thay v\u00ec b\u00e1n l\u1ebb th\u00ec b\u00e1n qua ng\u00e2n h\u00e0ng gi\u1ed1ng nh\u01b0 ki\u1ec3u b\u00e1n bu\u00f4n b\u1ea3o hi\u1ec3m). Ch\u00ednh v\u00ec v\u1eady, b\u1ea3o hi\u1ec3m c\u00e0ng 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.<\/em><\/p>\n

\u201cT\u00f4i \u0111\u01b0\u1ee3c bi\u1ebft c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, b\u1ea3o hi\u1ec3m tr\u1ea3 hoa h\u1ed3ng cho ng\u00e2n h\u00e0ng cao g\u1ea5p \u0111\u00f4i 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. Ch\u1eb3ng h\u1ea1n c\u00f3 tr\u01b0\u1eddng h\u1ee3p th\u1ecfa thu\u1eadn gi\u1eefa b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng v\u1ec1 vi\u1ec7c b\u00ean b\u1ea3o hi\u1ec3m gi\u1edbi thi\u1ec7u, qu\u1ea3ng c\u00e1o, ph\u00e1t t\u1edd r\u01a1i cho b\u00ean ng\u00e2n h\u00e0ng nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn th\u00f9 lao, m\u00e0 ng\u01b0\u1ee3c l\u1ea1i ph\u1ea3i tr\u1ea3 ph\u00ed cho ng\u00e2n h\u00e0ng\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i v\u00e0 n\u00eau th\u00eam.<\/em><\/p>\n

V\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng, \u00f4ng \u0110\u1ee9c cho hay vi\u1ec7c ng\u00e2n h\u00e0ng gia nh\u1eadp v\u00e0o \u0111\u1ed9i ng\u0169 b\u00e1n b\u1ea3o hi\u1ec3m v\u1edbi th\u1ebf m\u1ea1nh, c\u01a1 h\u1ed9i, l\u1ee3i th\u1ebf v\u00f4 c\u00f9ng l\u1edbn v\u00e0 ngu\u1ed3n l\u1ee3i thu \u0111\u01b0\u1ee3c r\u1ea5t l\u1edbn, kho\u1ea3n thu nh\u1eadp t\u1eeb d\u1ecbch v\u1ee5 r\u1ea5t an to\u00e0n v\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u1ea7u t\u01b0, chi ph\u00ed nhi\u1ec1u.<\/em><\/p>\n

Th\u00eam v\u00e0o \u0111\u00f3, b\u1ea3o hi\u1ec3m cho kho\u1ea3n c\u1ea5p t\u00edn d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay, t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi vay v\u00e0 t\u00ednh m\u1ea1ng, s\u1ee9c kh\u1ecfe c\u1ee7a ng\u01b0\u1eddi vay. Khi x\u1ea3y ra r\u1ee7i ro th\u00ec ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ti\u1ec1n b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m ho\u1eb7c kh\u1eafc ph\u1ee5c r\u1ee7i ro cho ng\u01b0\u1eddi vay v\u00e0 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m, d\u1eabn \u0111\u1ebfn h\u1ea1n ch\u1ebf r\u1ee7i ro cho ng\u00e2n h\u00e0ng.<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/em><\/h5>\n

\u201cNg\u00e2n h\u00e0ng b\u00e1n h\u00e0ng nh\u01b0ng v\u1ec1 c\u01a1 b\u1ea3n kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1edbi kh\u00e1ch h\u00e0ng, m\u00e0 b\u00ean b\u1ea3o hi\u1ec3m m\u1edbi l\u00e0 ng\u01b0\u1eddi ch\u1ecbu\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i v\u00e0 nh\u1ea5n m\u1ea1nh, kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n th\u00ec th\u01b0\u1eddng l\u00e0 r\u1ea5t tin t\u01b0\u1edfng v\u00e0o uy t\u00edn v\u00e0 s\u1ef1 chuy\u00ean nghi\u1ec7p c\u1ee7a ng\u00e2n h\u00e0ng, n\u00ean d\u1ec5 ch\u1ea5p nh\u1eadn mua b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

\u201cKh\u00e1ch h\u00e0ng vay ti\u1ec1n th\u01b0\u1eddng l\u00e0 r\u1ea5t c\u1ea7n \u0111\u01b0\u1ee3c vay v\u1ed1n ng\u00e2n h\u00e0ng, m\u00e0 \u1edf \u0111\u00e2u c\u0169ng v\u1eady. Tuy c\u00e1c ng\u00e2n h\u00e0ng r\u1ea5t c\u1ea1nh tranh, nh\u01b0ng vi\u1ec7c m\u1eddi ch\u00e0o kh\u00e1ch h\u00e0ng \u201ct\u1ef1 nguy\u1ec7n\u201d mua b\u1ea3o hi\u1ec3m th\u00ec d\u01b0\u1eddng nh\u01b0 kh\u00e1 gi\u1ed1ng nhau. Th\u1eadm ch\u00ed, r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m, d\u1ec5 d\u00e3i v\u00e0 kh\u00f4ng \u0111\u1ee7 t\u1ec9nh t\u00e1o, th\u1eadn tr\u1ecdng khi t\u1eb7c l\u01b0\u1ee1i , g\u1eadt \u0111\u1ea7u ch\u1ea5p nh\u1eadn v\u00f4 \u0111i\u1ec1u ki\u1ec7n\u201d, \u00f4ng \u0110\u1ee9c n\u00eau.<\/em><\/p>\n

T\u1ea5t c\u1ea3 \u0111i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn th\u1ef1c tr\u1ea1ng \u201cc\u1ea3 b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u1ec1u tranh th\u1ee7 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u01a1 h\u1ed9i v\u00e0 l\u1ee3i \u00edch. Ng\u00e2n h\u00e0ng th\u00ec \u0111\u1eb7t k\u1ebf ho\u1ea1ch cao, giao ch\u1ec9 ti\u00eau n\u1eb7ng cho nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m. T\u1ea5t c\u1ea3 \u0111\u1ec1u lao v\u00e0o l\u1ee3i nhu\u1eadn, t\u1eadn d\u1ee5ng, khai th\u00e1c kh\u00e1ch h\u00e0ng, m\u00e0 ch\u1eb3ng h\u1ec1 \u0111\u1eb7t m\u00ecnh v\u00e0o v\u1ecb tr\u00ed c\u1ee7a th\u01b0\u1ee3ng \u0111\u1ebf b\u1ea5t \u0111\u1eafc d\u0129, qu\u00ean \u0111i c\u1ea3m x\u00fac c\u1ee7a \u0111\u1ed1i t\u00e1c, th\u1eadm ch\u00ed l\u00e0 \u00e2n nh\u00e2n c\u1ee7a m\u00ecnh\u201d, \u00f4ng \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

\u00d4ng Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0cho r\u1eb1ng h\u1eadu qu\u1ea3 l\u00e0 mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 ph\u00f2ng ng\u1eeba r\u1ee7i ro, nh\u01b0ng \u0111\u1ed1i v\u1edbi r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng ki\u00eam b\u1ea3o hi\u1ec3m th\u00ec l\u1ea1i l\u00e0 m\u1ed9t giao d\u1ecbch r\u1ea5t r\u1ee7i ro.<\/em><\/p>\n

Lam Thanh<\/strong><\/h5>\n

———-<\/em><\/p>\n

M\u1ed9t<\/em><\/strong> th\u1ebf gi\u1edbi <\/em><\/strong>(Kinh<\/em><\/strong> t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>10-5<\/em><\/strong>-202<\/em><\/strong>3<\/em><\/strong>:<\/em><\/strong><\/p>\n

https:\/\/1thegioi.vn\/hop-dong-bao-hiem-thuong-duoc-in-san-noi-dung-bat-loi-de-thuoc-ve-ben-mua-197729.html<\/a> <\/em><\/p>\n

(<\/em>644\/1.412<\/em>) #bancassurance #baohiem #nganhang<\/em>","protected":false},"excerpt":{"rendered":"

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c in s\u1eb5n n\u1ed9i dung, b\u1ea5t l\u1ee3i d\u1ec5 thu\u1ed9c v\u1ec1 b\u00ean mua (1TG) – Ch\u1ee7 t\u1ecbch \u1ee6y ban Trung \u01b0\u01a1ng MTTQ Vi\u1ec7t Nam \u0110\u1ed7 V\u0103n Chi\u1ebfn cho hay, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c in s\u1eb5n, \u0111\u00e3 \u0111\u01b0\u1ee3c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n th\u1ea9m \u0111\u1ecbnh, v\u00ec tin t\u01b0\u1edfng n\u00ean ng\u01b0\u1eddi […]<\/p>\n","protected":false},"author":1,"featured_media":36965,"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-36964","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":"\n3.494. 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