{"id":37304,"date":"2023-06-26T17:37:37","date_gmt":"2023-06-26T10:37:37","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37304"},"modified":"2024-11-24T11:24:20","modified_gmt":"2024-11-24T04:24:20","slug":"4-076-thanh-tra-toan-dien-thi-truong-bao-hiem-nhan-tho","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-076-thanh-tra-toan-dien-thi-truong-bao-hiem-nhan-tho\/","title":{"rendered":"4.076. Thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd"},"content":{"rendered":"

Thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/span><\/h4>\n
(TN) – T\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai, ng\u00e2n h\u00e0ng “\u00e9p” kh\u00e1ch mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u2026 th\u1eddi gian qua khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n b\u1ee9c x\u00fac.<\/h5>\n

Ngh\u1ecb quy\u1ebft k\u1ef3 h\u1ecdp th\u1ee9 5 c\u1ee7a Qu\u1ed1c h\u1ed9i kh\u00f3a XV c\u00f4ng b\u1ed1 cu\u1ed1i tu\u1ea7n qua c\u0169ng n\u00eau r\u00f5 m\u1ed9t trong nh\u1eefng vi\u1ec7c c\u1ea7n l\u00e0m l\u00e0 thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng\u00a0b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, t\u1eadp trung v\u00e0o lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0.<\/p>\n

Ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng xu\u1ed1ng m\u1ee9c th\u1ea5p nh\u1ea5t<\/h5>\n

B\u00e1o c\u00e1o kh\u1ea3o s\u00e1t v\u1eeba c\u00f4ng b\u1ed1 c\u1ee7a C\u00f4ng ty CP B\u00e1o c\u00e1o \u0110\u00e1nh gi\u00e1 Vi\u1ec7t Nam (Vietnam Report) cho bi\u1ebft t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay, th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1ecb phen lao \u0111ao khi nh\u1eefng th\u00f4ng tin ti\u00eau c\u1ef1c v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) xu\u1ea5t hi\u1ec7n tr\u00e0n lan tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng. Th\u1ed1ng k\u00ea t\u1eeb c\u00e1c n\u1ec1n t\u1ea3ng m\u1ea1ng x\u00e3 h\u1ed9i cho th\u1ea5y sau khi c\u00e1c th\u00f4ng tin ti\u00eau c\u1ef1c v\u1ec1 k\u00eanh ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (NH) v\u00e0 2 v\u1ee5 vi\u1ec7c t\u1ed1 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai, thi\u1ebfu tr\u00e1ch nhi\u1ec7m v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u1ea9y l\u01b0\u1ee3ng tin th\u1ea3o lu\u1eadn v\u1ec1 ng\u00e0nh b\u1ea3o hi\u1ec3m t\u0103ng g\u1ea5p 15 l\u1ea7n, t\u1eeb 4.700 l\u01b0\u1ee3t th\u1ea3o lu\u1eadn\/ng\u00e0y trong n\u0103m 2022 l\u00ean 73.000 l\u01b0\u1ee3t th\u1ea3o lu\u1eadn\/ng\u00e0y v\u00e0o th\u00e1ng 4 v\u1eeba qua. Lo\u1ea1t l\u00f9m x\u00f9m \u0111\u00f3 \u0111\u00e3 k\u00e9o ni\u1ec1m tin tr\u00ean th\u1ecb tr\u01b0\u1eddng BHNT n\u00f3i ri\u00eang v\u00e0 ng\u00e0nh b\u1ea3o hi\u1ec3m n\u00f3i chung suy gi\u1ea3m xu\u1ed1ng m\u1ee9c th\u1ea5p nh\u1ea5t trong l\u1ecbch s\u1eed g\u1ea7n 30 n\u0103m ph\u00e1t tri\u1ec3n t\u1ea1i VN. T\u00e2m l\u00fd e d\u00e8, lo ng\u1ea1i v\u00e0 ho\u00e0i nghi ch\u01b0a th\u1ec3 x\u00f3a b\u1ecf ho\u00e0n to\u00e0n, s\u1ebd c\u00f2n r\u1ee7i ro \u1ea3nh h\u01b0\u1edfng t\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh trong th\u1eddi gian t\u1edbi.<\/p>\n

\"Thanh

Nhi\u1ec1u ng\u00e2n h\u00e0ng b\u1ecb t\u1ed1 \u0111\u00e3 \u201c\u00e9p\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Ng\u1ecdc Th\u1eafng<\/p><\/div>\n

Tr\u01b0\u1edbc \u0111\u00f3, t\u1ea1i cu\u1ed9c h\u1ecdp b\u00e1o th\u01b0\u1eddng k\u1ef3 qu\u00fd 2\/2023 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh di\u1ec5n ra v\u00e0o gi\u1eefa th\u00e1ng 6, \u00f4ng Do\u00e3n Thanh Tu\u1ea5n – Ph\u00f3 c\u1ee5c tr\u01b0\u1edfng C\u1ee5c Qu\u1ea3n l\u00fd\u00a0gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m\u00a0(B\u1ed9 T\u00e0i ch\u00ednh) – th\u00f4ng tin v\u1ec1 k\u1ebft qu\u1ea3 thanh tra \u0111\u1ed1i v\u1edbi 4 doanh nghi\u1ec7p BHNT b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m qua m\u1ed9t s\u1ed1 NH th\u01b0\u01a1ng m\u1ea1i. K\u1ebft qu\u1ea3 c\u01a1 quan ki\u1ec3m tra \u0111\u00e3 ph\u00e1t hi\u1ec7n sai ph\u1ea1m nh\u1ea5t \u0111\u1ecbnh. Sau khi ho\u00e0n th\u00e0nh k\u1ebft lu\u1eadn thanh tra, B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd c\u00f4ng b\u1ed1 r\u1ed9ng r\u00e3i theo quy \u0111\u1ecbnh.<\/p>\n

Nhi\u1ec1u kh\u00e1ch h\u00e0ng li\u00ean t\u1ee5c ph\u1ea3n \u00e1nh nh\u1eefng b\u1ea5t c\u1eadp v\u1ec1 h\u1ee3p \u0111\u1ed3ng, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai, NH “\u00e9p” kh\u00e1ch vay ti\u1ec1n mua BHNT hay \u0111\u1ec9nh \u0111i\u1ec3m l\u00e0 c\u00e2u chuy\u1ec7n nh\u00e2n vi\u00ean NH d\u1ee5 d\u1ed7 kh\u00e1ch g\u1eedi ti\u1ec1n chuy\u1ec3n sang mua b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0. \u0110\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng chi\u00eau tr\u00f2, “b\u1eaby ng\u1ea7m” trong c\u00e1c h\u1ee3p \u0111\u1ed3ng BHNT khi\u1ebfn kh\u00e1ch h\u00e0ng lu\u00f4n g\u00e1nh ch\u1ecbu m\u1ecdi r\u1ee7i ro, nguy c\u01a1 m\u1ea5t ti\u1ec1n trong khi c\u1ea3 ph\u00eda \u0111\u1ea1i l\u00fd nh\u01b0 NH l\u1ea1i b\u1ecf t\u00fai si\u00eau l\u1ee3i nhu\u1eadn t\u1eeb hoa h\u1ed3ng v\u00e0 c\u00e1c lo\u1ea1i ph\u00ed cao ng\u1ea5t ng\u01b0\u1edfng.<\/p>\n

Ch\u00ednh v\u00ec v\u1eady, theo TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n – gi\u1ea3ng vi\u00ean b\u1ed9 m\u00f4n b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh (Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP.HCM) – vi\u1ec7c Qu\u1ed1c h\u1ed9i ghi r\u00f5 trong ngh\u1ecb quy\u1ebft v\u1ec1 vi\u1ec7c c\u1ea7n thanh tra to\u00e0n di\u1ec7n BHNT \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n quan t\u00e2m, mong ch\u1edd. “V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 c\u00e1i g\u1ed1c c\u1ee7a v\u1ea5n \u0111\u1ec1 sai ph\u1ea1m \u1edf \u0111\u00e2u? B\u1ea3n ch\u1ea5t c\u1ee7a s\u1ea3n ph\u1ea9m BHNT kh\u00f4ng sai. S\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 chung trong BHNT \u0111\u00e3 xu\u1ea5t hi\u1ec7n t\u1ea1i VN t\u1eeb n\u0103m 2006 \u0111\u1ebfn nay v\u00e0 kh\u00e1ch h\u00e0ng v\u1eabn ch\u1ea5p nh\u1eadn. V\u00ec v\u1eady theo t\u00f4i quan tr\u1ecdng nh\u1ea5t l\u00e0 qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n, tri\u1ec3n khai ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ea3n ph\u1ea9m. Vi\u1ec7c thanh tra to\u00e0n di\u1ec7n c\u1ea7n l\u00e0m r\u00f5 \u0111\u1ec3 gi\u00fap ng\u01b0\u1eddi d\u00e2n y\u00ean t\u00e2m, mang l\u1ea1i ni\u1ec1m tin v\u00e0o th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m n\u00f3i chung, nh\u1ea5t l\u00e0 quy tr\u00ecnh trong \u0111\u1ea1i l\u00fd l\u1edbn nh\u1ea5t l\u00e0 c\u00e1c NH”, TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n n\u00f3i.<\/p>\n

Si\u1ebft t\u1eeb \u0111\u00e0o t\u1ea1o \u0111\u1ea1i l\u00fd, t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m \u0111\u1ebfn hoa h\u1ed3ng\u2026<\/h5>\n

Theo ph\u00e2n t\u00edch c\u1ee7a TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, vi\u1ec7c \u0111\u00e0o t\u1ea1o, s\u00e1t h\u1ea1ch \u0111\u1ec3 c\u1ea5p ch\u1ee9ng ch\u1ec9 t\u01b0 v\u1ea5n cho nh\u00e2n vi\u00ean BHNT trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y kh\u00e1 l\u1ecfng l\u1ebbo. C\u1ee5 th\u1ec3 nh\u01b0 th\u1eddi gian \u0111\u00e0o t\u1ea1o r\u00fat ng\u1eafn ch\u1ec9 c\u00f2n kho\u1ea3ng 4 – 5 bu\u1ed5i, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 10 gi\u1edd. Trong khi t\u1ea1i M\u1ef9, h\u1ecdc vi\u00ean ph\u1ea3i ho\u00e0n th\u00e0nh 52 gi\u1edd h\u1ecdc c\u01a1 b\u1ea3n r\u1ed3i m\u1edbi \u0111\u01b0\u1ee3c h\u1ecdc ti\u1ebfp \u0111\u1ebfn s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o s\u1ea3n ph\u1ea9m n\u00e0o th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m \u0111\u00f3. K\u1ebf \u0111\u1ebfn l\u00e0 v\u1ea5n \u0111\u1ec1 gi\u00e1m s\u00e1t h\u1eadu b\u00e1n h\u00e0ng ch\u01b0a \u0111\u1ea1t. \u0110\u00e2y l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. C\u00e1c c\u00f4ng ty ch\u1ec9 th\u1ef1c hi\u1ec7n cu\u1ed9c g\u1ecdi ch\u00e0o m\u1eebng v\u1edbi kh\u00e1ch h\u00e0ng sau khi k\u00fd h\u1ee3p \u0111\u1ed3ng BHNT l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c x\u00e1c nh\u1eadn th\u00f4ng tin ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 x\u00e1c nh\u1eadn qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n c\u1ee7a \u0111\u1ea1i l\u00fd tr\u01b0\u1edbc \u0111\u00f3 l\u00e0 \u0111\u00fang, \u0111\u1ee7. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 mang t\u00ednh “l\u1eadp l\u1edd”, gian d\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. V\u00ec v\u1eady theo \u00f4ng, c\u1ea7n ph\u1ea3i si\u1ebft l\u1ea1i t\u1eeb c\u00f4ng t\u00e1c \u0111\u00e0o t\u1ea1o, s\u00e1t h\u1ea1ch \u0111\u1ed1i v\u1edbi t\u01b0 v\u1ea5n vi\u00ean b\u1ea3o hi\u1ec3m v\u00e0 gi\u00e1m s\u00e1t h\u1eadu b\u00e1n h\u00e0ng c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, gi\u1ea3ng vi\u00ean b\u1ed9 m\u00f4n b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh (Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP.HCM) ph\u00e2n t\u00edch: Nhi\u1ec1u NH cho r\u1eb1ng \u0111\u00e2y ch\u1ec9 l\u00e0 sai ph\u1ea1m c\u00e1 nh\u00e2n. Nh\u01b0ng thanh tra s\u1ebd th\u1ea5y r\u00f5 c\u00e1i n\u00e0o l\u00e0 sai ph\u1ea1m c\u1ee7a c\u00e1 nh\u00e2n khi b\u1ecb t\u1ed1 “\u00e9p” kh\u00e1ch h\u00e0ng mua BHNT v\u00e0 c\u00e1i n\u00e0o l\u00e0 sai ph\u1ea1m mang t\u00ednh quy tr\u00ecnh. B\u1edfi khi c\u00f3 nhi\u1ec1u nh\u00e2n vi\u00ean c\u00f9ng th\u1ef1c hi\u1ec7n c\u00e1ch th\u1ee9c t\u01b0 v\u1ea5n, b\u00e1n s\u1ea3n ph\u1ea9m nh\u01b0 nhau th\u00ec \u0111\u00f3 l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ch\u00ednh NH ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u00e1 nh\u00e2n vi ph\u1ea1m.<\/p>\n

Li\u00ean quan \u0111\u1ebfn c\u00e1c NH – l\u00e0 \u0111\u1ea1i l\u00fd c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u00ec c\u1ea7n m\u1ed9t s\u1ef1 thanh tra to\u00e0n di\u1ec7n. Li\u00ean ng\u00e0nh l\u00e0 \u0111i\u1ec1u r\u1ea5t t\u1ed1t b\u1edfi so v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng, nh\u00e2n vi\u00ean NH c\u00f3 ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n cao h\u01a1n, kh\u1ea3 n\u0103ng hi\u1ec3u v\u1ec1 h\u1ee3p \u0111\u1ed3ng BHNT nhi\u1ec1u h\u01a1n, \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng tin t\u01b0\u1edfng h\u01a1n nh\u01b0ng l\u1ea1i kh\u00f4ng t\u01b0 v\u1ea5n \u0111\u00fang, l\u1eeba d\u1ed1i kh\u00e1ch h\u00e0ng th\u00ec tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi l\u00e0m sai v\u00e0 k\u1ec3 c\u1ea3 NH c\u00e0ng l\u1edbn h\u01a1n \u0111\u1ea1i l\u00fd th\u00f4ng th\u01b0\u1eddng.<\/p>\n

TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n nh\u1ea5n m\u1ea1nh: C\u1ea7n ph\u1ea3i xem x\u00e9t v\u00e0 n\u00ean y\u00eau c\u1ea7u NH t\u00e1ch ri\u00eang b\u1ed9 ph\u1eadn b\u00e1n BHNT \u0111\u1ed9c l\u1eadp ho\u00e0n to\u00e0n kh\u1ecfi c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c. Ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n BHNT cho kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t ch\u1eb7t nh\u01b0 ghi \u00e2m, ghi h\u00ecnh. \u0110\u1ed3ng th\u1eddi, kh\u00f4ng n\u00ean b\u00e1n s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 cho kh\u00e1ch h\u00e0ng \u0111ang vay ti\u1ec1n. Ng\u01b0\u1eddi \u0111ang vay ti\u1ec1n n\u00ean ch\u0103ng ch\u1ec9 c\u00f3 th\u1ec3 tham gia s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kho\u1ea3n vay hay b\u1ea3o hi\u1ec3m t\u1eed k\u1ef3 l\u00e0 ph\u00f9 h\u1ee3p h\u01a1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c thanh to\u00e1n n\u1ee3 c\u0169ng nh\u01b0 gi\u1ea3m r\u1ee7i ro cho c\u1ea3 NH. H\u01a1n n\u1eefa, vi\u1ec7c l\u1eeba d\u1ed1i khi\u1ebfn kh\u00e1ch h\u00e0ng m\u1ea5t ti\u1ec1n c\u0169ng g\u1ea7n ngang v\u1edbi h\u00e0nh vi l\u1eeba \u0111\u1ea3o n\u00ean x\u1eed ph\u1ea1t nghi\u00eam, th\u1eadm ch\u00ed xem x\u00e9t theo t\u1ed9i h\u00ecnh s\u1ef1.<\/p>\n

\u0110\u1ed3ng t\u00ecnh, 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>\u00a0– cho r\u1eb1ng khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1edbi ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m n\u00f3i chung hay BHNT n\u00f3i ri\u00eang \u0111\u00e3 \u0111\u1ea7y \u0111\u1ee7. Nh\u1eefng sai ph\u1ea1m x\u1ea3y ra trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c thanh tra, ch\u1ea5n ch\u1ec9nh s\u1edbm \u0111\u1ec3 kh\u00f4ng mang t\u00ednh coi th\u01b0\u1eddng ph\u00e1p lu\u1eadt, nguy hi\u1ec3m cho th\u1ecb tr\u01b0\u1eddng n\u00e0y l\u1eabn n\u1ec1n kinh t\u1ebf n\u00f3i chung. V\u00ed d\u1ee5 B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 quy \u0111\u1ecbnh tr\u1ea7n hoa h\u1ed3ng cho m\u00f4i gi\u1edbi BHNT nh\u01b0ng trong th\u1ef1c t\u1ebf, c\u00f3 nhi\u1ec1u doanh nghi\u1ec7p v\u1eabn chi tr\u1ea3 hoa h\u1ed3ng v\u00e0 nhi\u1ec1u lo\u1ea1i ph\u00ed h\u1ed7 tr\u1ee3 kh\u00e1c cho \u0111\u1ea1i l\u00fd d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c cao h\u01a1n.\u00a0<\/em><\/p>\n

Trong \u0111\u00f3, NH l\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m l\u1edbn nh\u1ea5t, “ngon” nh\u1ea5t v\u00ec n\u1eafm trong tay th\u00f4ng tin c\u1ee7a s\u1ed1 l\u01b0\u1ee3ng l\u1edbn kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng v\u00e0 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng tin t\u01b0\u1edfng. NH l\u1ea1i giao ch\u1ec9 ti\u00eau cao n\u00ean nh\u00e2n vi\u00ean ph\u1ea3i l\u00f4i k\u00e9o, d\u1ee5 d\u1ed7 kh\u00e1ch h\u00e0ng mua BHNT.\u00a0<\/em><\/h5>\n

“C\u00f3 si\u00eau l\u1ee3i nhu\u1eadn th\u00ec b\u1ea5t ch\u1ea5p t\u1ea5t c\u1ea3 v\u00e0 t\u1eeb nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u1ebfn c\u1ea3 NH \u0111\u1ec1u nh\u1eafm m\u1eaft ch\u1ea1y \u0111ua theo con s\u1ed1 t\u0103ng tr\u01b0\u1edfng v\u1ec1 kh\u00e1ch h\u00e0ng, h\u1ee3p \u0111\u1ed3ng\u2026V\u00ed d\u1ee5 ch\u00ednh s\u00e1ch tr\u1ea3 ph\u00ed hoa h\u1ed3ng thay v\u00ec thanh to\u00e1n lu\u00f4n 40% cho n\u0103m \u0111\u1ea7u ti\u00ean th\u00ec c\u00f3 th\u1ec3 chia 3 n\u0103m. H\u1ee3p \u0111\u1ed3ng BHNT lu\u00f4n k\u00e9o d\u00e0i t\u1eeb 5 n\u0103m tr\u1edf l\u00ean. N\u1ebfu kh\u00e1ch h\u00e0ng n\u00e0o ch\u1ec9 \u0111\u00f3ng n\u0103m \u0111\u1ea7u ti\u00ean m\u00e0 b\u1ecf sau \u0111\u00f3 l\u00e0 bi\u1ebft ngay kh\u00f4ng ph\u1ea3i h\u1ecd t\u1ef1 nguy\u1ec7n tham gia. C\u00e1i n\u00e0y th\u00ec doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u00e2u c\u00f3 l\u1ee3i. Kh\u00f4ng t\u0103ng tr\u01b0\u1edfng c\u0169ng kh\u00f4ng v\u1ea5n \u0111\u1ec1 g\u00ec. Th\u1eadt s\u1ef1 th\u1eddi gian qua khi ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1ea5t ni\u1ec1m tin, kh\u00f4ng tham gia n\u1eefa th\u00ec ch\u00ednh c\u00e1c c\u00f4ng ty ph\u1ea3i t\u1ef1 ch\u1ea5n ch\u1ec9nh. Nh\u01b0ng \u1edf g\u00f3c \u0111\u1ed9 qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc th\u00ec ph\u1ea3i thanh tra, gi\u00e1m s\u00e1t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00e1c th\u00e0nh vi\u00ean th\u1ecb tr\u01b0\u1eddng tu\u00e2n th\u1ee7 \u0111\u00fang quy \u0111\u1ecbnh, c\u00f3 sai l\u00e0 x\u1eed ph\u1ea1t”, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0chia s\u1ebb th\u00eam.\u00a0<\/em><\/p>\n

Mai<\/strong> Ph\u01b0\u01a1ng<\/strong><\/h5>\n

—————<\/p>\n

Thanh ni\u00ean (Kinh t\u1ebf) ng\u00e0y 26-6-2023:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/thanh-tra-toan-dien-thi-truong-bao-hiem-nhan-tho-185230625233819632.htm<\/a> <\/em><\/p>\n

(<\/em>348\/1.574<\/em>) #BHNT<\/em>","protected":false},"excerpt":{"rendered":"

Thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (TN) – T\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai, ng\u00e2n h\u00e0ng “\u00e9p” kh\u00e1ch mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u2026 th\u1eddi gian qua khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n b\u1ee9c x\u00fac. Ngh\u1ecb quy\u1ebft k\u1ef3 h\u1ecdp th\u1ee9 5 c\u1ee7a Qu\u1ed1c h\u1ed9i kh\u00f3a XV c\u00f4ng b\u1ed1 cu\u1ed1i tu\u1ea7n qua c\u0169ng n\u00eau […]<\/p>\n","protected":false},"author":1,"featured_media":37305,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51,36],"class_list":["post-37304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.076. Thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"T\u00ecnh tr\u1ea1ng t\u01b0 v\u1ea5n sai, "\u00e9p" kh\u00e1ch mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u2026 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n b\u1ee9c x\u00fac | Thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.\" \/>\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\/en\/tieng-viet-4-076-thanh-tra-toan-dien-thi-truong-bao-hiem-nhan-tho\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.076. Thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"T\u00ecnh tr\u1ea1ng t\u01b0 v\u1ea5n sai, "\u00e9p" kh\u00e1ch mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u2026 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi d\u00e2n b\u1ee9c x\u00fac | Thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/tieng-viet-4-076-thanh-tra-toan-dien-thi-truong-bao-hiem-nhan-tho\/\" \/>\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=\"2023-06-26T10:37:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-24T04:24:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/06\/Picture1-20.png\" \/>\n\t<meta property=\"og:image:width\" content=\"945\" \/>\n\t<meta property=\"og:image:height\" content=\"631\" \/>\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=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-4-076-thanh-tra-toan-dien-thi-truong-bao-hiem-nhan-tho\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/tieng-viet-4-076-thanh-tra-toan-dien-thi-truong-bao-hiem-nhan-tho\\\/\"},\"author\":{\"name\":\"administrator\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/eb3eded70711d9ebee6ffdcf3118521b\"},\"headline\":\"4.076. 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