{"id":37351,"date":"2023-07-06T07:07:21","date_gmt":"2023-07-06T00:07:21","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37351"},"modified":"2024-11-24T10:47:23","modified_gmt":"2024-11-24T03:47:23","slug":"4-080-quyet-liet-thanh-tra-ngan-hang-ban-cheo-bao-hiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-080-quyet-liet-thanh-tra-ngan-hang-ban-cheo-bao-hiem\/","title":{"rendered":"4.080. Quy\u1ebft li\u1ec7t thanh tra ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m"},"content":{"rendered":"

Quy\u1ebft li\u1ec7t thanh tra ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m<\/span><\/h4>\n
(TN) – D\u00f9 ch\u1ec9 m\u1edbi th\u1ef1c hi\u1ec7n \u1edf 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, k\u1ebft qu\u1ea3 thanh tra cho th\u1ea5y vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m qua c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 sai ph\u1ea1m trong khi kh\u00e1ch h\u00e0ng b\u1ecf h\u1ee3p \u0111\u1ed3ng sau khi mua l\u00ean cao. Theo th\u00f4ng tin m\u1edbi nh\u1ea5t, B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd ti\u1ebfp t\u1ee5c thanh tra, ki\u1ec3m tra 10 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 b\u00e1n s\u1ea3n ph\u1ea9m qua ng\u00e2n h\u00e0ng trong th\u1eddi gian t\u1edbi.<\/h5>\n
73% kh\u00e1ch h\u00e0ng h\u1ee7y h\u1ee3p \u0111\u1ed3ng sau n\u0103m \u0111\u1ea7u ti\u00ean<\/strong><\/h5>\n

Khi \u0111\u1ec1 c\u1eadp c\u00e1c h\u1ee3p \u0111\u1ed3ng\u00a0b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u00a0(BHNT) \u0111\u00e3 mua g\u1ea7n \u0111\u00e2y, \u00f4ng N.S\u01a1n (Q.B\u00ecnh Th\u1ea1nh, TP.HCM) b\u1ee9c x\u00fac cho bi\u1ebft 4 h\u1ee3p \u0111\u1ed3ng BHNT \u0111\u00e3 mua tr\u01b0\u1edbc \u0111\u00e2y k\u00e8m theo c\u00e1c h\u1ee3p \u0111\u1ed3ng\u00a0vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng\u00a0(NH) \u00f4ng \u0111\u1ec1u \u0111\u00e3 b\u1ecf h\u1ebft, ch\u1ec9 c\u00f2n duy tr\u00ec 1 h\u1ee3p \u0111\u1ed3ng tr\u1ecb gi\u00e1 120 tri\u1ec7u \u0111\u1ed3ng mua t\u1ef1 nguy\u1ec7n c\u00e1ch \u0111\u00e2y nhi\u1ec1u n\u0103m. Nh\u1eefng h\u1ee3p \u0111\u1ed3ng BHNT b\u1ecb b\u1ecf ngang ch\u1ec9 sau n\u0103m \u0111\u1ea7u ti\u00ean l\u00e0 do khi l\u00e0m th\u1ee7 t\u1ee5c vay v\u1ed1n NH, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n t\u00edn d\u1ee5ng ch\u00e0o m\u1eddi mua.<\/p>\n

“N\u00f3i l\u00e0 ch\u00e0o nh\u01b0ng th\u1ef1c ch\u1ea5t kh\u00f4ng mua kh\u00f4ng \u0111\u01b0\u1ee3c. Do \u0111ang c\u1ea7n v\u1ed1n v\u00e0 mong mu\u1ed1n th\u1ee7 t\u1ee5c h\u1ed3 s\u01a1 vay \u0111\u01b0\u1ee3c nhanh ch\u00f3ng n\u00ean t\u00f4i c\u0169ng nh\u1eafm m\u1eaft k\u00fd h\u1ee3p \u0111\u1ed3ng mua b\u1ea3o hi\u1ec3m (BH), m\u1ed9t ph\u1ea7n c\u00f2n \u0111\u01b0\u1ee3c gi\u1ea3m l\u00e3i su\u1ea5t vay”, \u00f4ng S\u01a1n n\u00f3i. M\u1ed7i h\u1ee3p \u0111\u1ed3ng \u0111\u00f3ng t\u1eeb 25 – 40 tri\u1ec7u \u0111\u1ed3ng n\u00ean \u00f4ng S\u01a1n th\u1ef1c hi\u1ec7n \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m (NH) n\u0103m \u0111\u1ea7u r\u1ed3i ng\u01b0ng. T\u01b0\u01a1ng t\u1ef1, ch\u1ecb Thanh Th\u1ea3o (TP.Th\u1ee7 \u0110\u1ee9c, TP.HCM) cho bi\u1ebft tr\u01b0\u1edbc \u0111\u00e2y, khi l\u00e0m th\u1ee7 t\u1ee5c vay v\u1ed1n NH 1 t\u1ec9 \u0111\u1ed3ng, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n mua BH v\u1edbi chi ph\u00ed kho\u1ea3ng 15 tri\u1ec7u \u0111\u1ed3ng, l\u00e3i su\u1ea5t cho vay s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3m 1% so v\u1edbi m\u1ee9c hi\u1ec7n h\u1eefu. Ch\u1ecb Th\u1ea3o th\u1eeba nh\u1eadn kh\u00f4ng mua th\u00ec ng\u1ea1i nh\u00e2n vi\u00ean kh\u00f4ng “nhi\u1ec7t t\u00ecnh” l\u00e0m h\u1ed3 s\u01a1 n\u00ean \u0111\u00e0nh ch\u1ea5p nh\u1eadn mua cho xong r\u1ed3i b\u1ecf.<\/p>\n

\"thanh

C\u01a1 quan ch\u1ee9c n\u0103ng \u0111ang quy\u1ebft li\u1ec7t ch\u1ea5n ch\u1ec9nh vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng | NG\u1eccC TH\u1eaeNG<\/p><\/div>\n

C\u00f2n gia \u0111\u00ecnh \u00f4ng L.V (Q.T\u00e2n B\u00ecnh), trong th\u00e1ng 4 v\u1eeba qua khi \u0111\u00e1o h\u1ea1n h\u1ee3p \u0111\u1ed3ng vay c\u0169 \u0111\u1ec3 vay l\u1ea1i ti\u1ec1n c\u0169ng b\u1ecb “\u00e9p” ph\u1ea3i mua BHNT m\u1edbi v\u1edbi m\u1ee9c ph\u00ed 60 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m. \u0110\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n s\u1ed1 ti\u1ec1n vay 1 t\u1ec9 \u0111\u1ed3ng v\u1edbi l\u00e3i su\u1ea5t 11,5%\/n\u0103m (gi\u1ea3m 1% so v\u1edbi kh\u00e1ch vay th\u00f4ng th\u01b0\u1eddng), \u00f4ng \u0111\u00e0nh ch\u1ea5p nh\u1eadn k\u00fd mua BHNT. \u00d4ng L.V n\u00f3i th\u1eb3ng s\u1ebd b\u1ecf kh\u00f4ng \u0111\u00f3ng n\u1eefa, ch\u1ea5p nh\u1eadn m\u1ea5t s\u1ed1 ti\u1ec1n ph\u00ed \u0111\u00e3 \u0111\u00f3ng. “Gi\u1ed1ng 2 n\u0103m tr\u01b0\u1edbc c\u0169ng t\u1ea1i NH n\u00e0y t\u00f4i \u0111\u00e3 ph\u1ea3i mua 1 h\u1ee3p \u0111\u1ed3ng v\u1edbi ph\u00ed \u0111\u00f3ng 25 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m v\u00e0 sau \u0111\u00f3 b\u1ecf lu\u00f4n. Ti\u1ec1n \u0111\u00e2u m\u00e0 \u0111\u00f3ng m\u1ed7i n\u0103m v\u00e0i ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng. V\u1eeba r\u1ed3i m\u1ea5t ph\u00ed \u0111\u00f3ng n\u0103m \u0111\u1ea7u l\u00ean 60 tri\u1ec7u \u0111\u1ed3ng qu\u00e1 x\u00f3t nh\u01b0ng v\u00ec c\u1ea7n vay ti\u1ebfp n\u00ean ph\u1ea3i ch\u1ecbu. N\u1ebfu t\u00ednh ra s\u1ed1 l\u00e3i \u0111\u01b0\u1ee3c gi\u1ea3m kh\u00f4ng \u0111\u1ee7 b\u00f9 cho ph\u00ed \u0111\u00f3ng BH m\u00ecnh b\u1ecf ra \u0111\u00e2u”, \u00f4ng L.V ti\u1ebfc r\u1ebb.<\/p>\n

Theo k\u1ebft qu\u1ea3 thanh tra 4 c\u00f4ng ty BH Prudential, MB Ageas Life, Sun Life v\u00e0 BIDV Metlife do B\u1ed9 T\u00e0i ch\u00ednh v\u1eeba c\u00f4ng b\u1ed1, t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng \u1edf m\u1ee9c kh\u00e1 cao, t\u1eeb 32,4 – 73%. Cao nh\u1ea5t c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn l\u00e0 t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng BHNT c\u1ee7a Sun Life b\u00e1n qua NH TPBank l\u00e0 73%, qua ACB l\u00e0 39%. C\u00f2n Prudential b\u00e1n BH n\u0103m 2021 th\u00f4ng qua 8 NH g\u1ed3m VIB, MSB, Seabank, Vietbank, PVcomBank, Shinbank, OUB, Standard Chartered v\u00e0 t\u1ef7 l\u1ec7 h\u1ee7y, m\u1ea5t hi\u1ec7u l\u1ef1c n\u0103m th\u1ee9 nh\u1ea5t l\u00e0 41%. C\u00f4ng ty BIDV Metlife c\u00f3 t\u1ef7 l\u1ec7 h\u1ee7y sau n\u0103m th\u1ee9 nh\u1ea5t l\u00e0 39,4% c\u00f2n MB Ageas Life l\u00e0 32,4%.<\/p>\n

C\u01a1 quan ch\u1ee9c n\u0103ng \u0111ang quy\u1ebft li\u1ec7t thanh, ki\u1ec3m tra vi\u1ec7c nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng \u201c\u00e9p\u201d kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m l\u00e3i vay<\/h6>\n
NG\u1eccC TH\u1eaeNG<\/h6>\n
Ng\u00e2n h\u00e0ng b\u1ecf t\u00fai ng\u00e0n t\u1ec9 t\u1eeb b\u00e1n b\u1ea3o hi\u1ec3m<\/strong><\/h5>\n

Ph\u00ed m\u00f4i gi\u1edbi BHNT \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ed1i \u0111a l\u00e0 40%. \u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c n\u1ebfu c\u00e1c NH b\u00e1n BH c\u00f3 tr\u1ecb gi\u00e1 1.000 t\u1ec9 \u0111\u1ed3ng th\u00ec s\u1ebd b\u1ecf t\u00fai 400 t\u1ec9 \u0111\u1ed3ng. Tuy nhi\u00ean, ngo\u00e0i m\u1ee9c ph\u00ed tr\u00ean, c\u00e1c c\u00f4ng ty BH c\u00f3 th\u1ec3 chi nhi\u1ec1u h\u01a1n th\u00f4ng qua nhi\u1ec1u kho\u1ea3n m\u1ee5c, chi ph\u00ed kh\u00e1c khi k\u00fd h\u1ee3p t\u00e1c v\u1edbi NH. M\u00f3n h\u1eddi qu\u00e1 l\u1edbn n\u00e0y khi\u1ebfn c\u00e1c NH \u00e1p ch\u1ec9 ti\u00eau xu\u1ed1ng nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng c\u00f2n nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng “c\u1eafm m\u1eb7t” b\u00e1n BH th\u1eadm ch\u00ed qu\u00ean c\u1ea3 nghi\u1ec7p v\u1ee5 ch\u00ednh c\u1ee7a m\u00ecnh. K\u1ebft qu\u1ea3 kinh doanh c\u1ee7a c\u00e1c NH nhi\u1ec1u n\u0103m qua th\u1ec3 hi\u1ec7n r\u1ea5t r\u00f5 \u0111i\u1ec1u n\u00e0y. \u0110\u00e1ng ch\u00fa \u00fd, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng doanh thu t\u1eeb b\u00e1n BH c\u1ee7a nhi\u1ec1u NH \u0111\u1ea1t m\u1ee9c “kh\u1ee7ng” t\u1eeb 30 – 50% m\u1ed7i n\u0103m, \u0111\u01b0a t\u1ef7 l\u1ec7 n\u00e0y chi\u1ebfm \u0111\u1ebfn 60 – 70% t\u1ed5ng doanh thu t\u1eeb d\u1ecbch v\u1ee5 ngo\u00e0i\u00a0l\u00e3i cho vay.<\/p>\n

C\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn NH TMCP Qu\u00e2n \u0111\u1ed9i (MB) b\u00e1o l\u00e3i tr\u01b0\u1edbc thu\u1ebf n\u0103m 2022 \u0111\u1ea1t 18.155 t\u1ec9 \u0111\u1ed3ng, t\u0103ng h\u01a1n 37% so v\u1edbi n\u0103m 2021. Ri\u00eang doanh thu t\u1eeb kinh doanh v\u00e0 d\u1ecbch v\u1ee5 BH \u0111\u1ea1t 10.185 t\u1ec9 \u0111\u1ed3ng, cao h\u01a1n g\u1ea7n 1.800 t\u1ec9 \u0111\u1ed3ng so v\u1edbi n\u0103m 2021. \u0110\u00e1ng k\u1ec3 l\u00e0 ch\u1ec9 sau 2 n\u0103m, doanh thu t\u1eeb BH c\u1ee7a MB \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i, t\u1eeb 4.202 t\u1ec9 \u0111\u1ed3ng c\u1ee7a n\u0103m 2019 v\u00e0 h\u1ebft n\u0103m v\u1eeba qua \u0111\u00e3 v\u01b0\u1ee3t con s\u1ed1 10.000 t\u1ec9 \u0111\u1ed3ng. C\u00f2n t\u00ednh theo t\u1ef7 l\u1ec7 th\u00ec ngu\u1ed3n thu t\u1eeb BH c\u0169ng chi\u1ebfm t\u1edbi 71,5% doanh thu t\u1eeb m\u1ea3ng d\u1ecbch v\u1ee5 chung c\u1ee7a MB trong khi n\u0103m 2021, t\u1ef7 l\u1ec7 n\u00e0y m\u1edbi \u0111\u1ea1t 68%.<\/p>\n

\u0110\u00e2y l\u00e0 NH \u0111ang d\u1eabn \u0111\u1ea7u doanh thu v\u1ec1 BH tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 nh\u1edd NH s\u1edf h\u1eefu 2 c\u00f4ng ty con l\u00e0 T\u1ed5ng c\u00f4ng ty CP B\u1ea3o hi\u1ec3m Qu\u00e2n \u0111\u1ed9i (MIC) v\u00e0 C\u00f4ng ty TNHH b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd MB Ageas Life. K\u1ebft qu\u1ea3 qu\u00fd \u0111\u1ea7u n\u0103m nay th\u00ec MB c\u0169ng ghi nh\u1eadn doanh thu t\u1eeb d\u1ecbch v\u1ee5 BH \u0111\u1ea1t h\u01a1n 2.086 t\u1ec9 \u0111\u1ed3ng, gi\u1ea3m 10% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc nh\u01b0ng v\u1eabn chi\u1ebfm h\u01a1n 73% trong t\u1ed5ng thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 n\u00f3i chung.<\/p>\n

Ti\u1ebfp theo c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn l\u00e0 NH TMCP Vi\u1ec7t Nam Th\u1ecbnh V\u01b0\u1ee3ng (VPBank) c\u00f3 l\u1ee3i nhu\u1eadn sau thu\u1ebf n\u0103m 2022 l\u00e0 16.923 t\u1ec9 \u0111\u1ed3ng, t\u0103ng h\u01a1n 47% so v\u1edbi n\u0103m 2021. \u1ede m\u1ea3ng kinh doanh BH, n\u0103m v\u1eeba qua, VPBank thu v\u1ec1 g\u1ea7n 3.354 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 42% so v\u1edbi n\u0103m 2021. S\u1ed1 thu t\u1eeb BH c\u1ee7a VPBank c\u0169ng chi\u1ebfm 32% t\u1ed5ng thu nh\u1eadp d\u1ecbch v\u1ee5, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng t\u1ef7 l\u1ec7 c\u1ee7a n\u0103m 2021. H\u1ebft qu\u00fd \u0111\u1ea7u n\u0103m nay, NH n\u00e0y c\u00f4ng b\u1ed1 s\u1ed1 thu t\u1eeb d\u1ecbch v\u1ee5 BH \u0111\u1ea1t g\u1ea7n 753 t\u1ec9 \u0111\u1ed3ng, t\u0103ng g\u1ea7n 7% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc v\u00e0 chi\u1ebfm 27% t\u1ed5ng thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5.<\/p>\n

Hay NH C\u00f4ng th\u01b0\u01a1ng VN (VietinBank) b\u1ecf t\u00fai doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng BH cho c\u1ea3 n\u0103m v\u1eeba qua h\u01a1n 3.213 t\u1ec9 \u0111\u1ed3ng, t\u0103ng 24% so v\u1edbi n\u0103m 2021. S\u1ed1 thu n\u00e0y chi\u1ebfm g\u1ea7n 28% t\u1ed5ng doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 n\u00f3i chung c\u1ee7a VietinBank. T\u01b0\u01a1ng t\u1ef1, NH TMCP S\u00e0i G\u00f2n Th\u01b0\u01a1ng T\u00edn (Sacombank) n\u0103m v\u1eeba qua c\u00f3 l\u1ee3i nhu\u1eadn sau thu\u1ebf t\u0103ng cao v\u1edbi h\u01a1n 5.000 t\u1ec9 \u0111\u1ed3ng. Trong \u0111\u00f3, doanh thu BH g\u1ea7n 1.765 t\u1ec9 \u0111\u1ed3ng, t\u0103ng g\u1ea7n 68% so v\u1edbi n\u0103m 2021\u2026<\/p>\n

M\u1ed9t s\u1ed1 NH nh\u01b0 ACB, Vietcombank\u2026 kh\u00f4ng b\u00e1o c\u00e1o chi ti\u1ebft s\u1ed1 thu t\u1eeb d\u1ecbch v\u1ee5 BH m\u00e0 g\u1ed9p chung v\u00e0o doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5. Tuy nhi\u00ean theo \u01b0\u1edbc t\u00ednh th\u00ec s\u1ed1 thu t\u1eeb vi\u1ec7c l\u00e0m \u0111\u1ea1i l\u00fd b\u00e1n BH c\u1ee7a c\u00e1c NH n\u00e0y trong n\u0103m v\u1eeba qua c\u0169ng x\u1ea5p x\u1ec9 m\u1ed9t s\u1ed1 NH nh\u01b0 Techcombank hay Sacombank\u2026<\/p>\n

Gi\u00e1m \u0111\u1ed1c chi nh\u00e1nh Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) t\u1ea1i m\u1ed9t \u0111\u1ecba ph\u01b0\u01a1ng cho hay \u0111\u00e3 t\u1eebng l\u00ean ti\u1ebfng v\u1ec1 t\u00ecnh tr\u1ea1ng NH b\u1eaft tay v\u1edbi c\u00f4ng ty BH khai th\u00e1c ch\u00e9o s\u1ea3n ph\u1ea9m, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c l\u1eadp l\u1edd c\u00e1c h\u1ee3p \u0111\u1ed3ng BHNT v\u00e0o h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n. Ai c\u0169ng nh\u00ecn ra vi\u1ec7c kh\u00e1ch h\u00e0ng mua BH ch\u1ec9 nh\u1eb1m th\u1ef1c hi\u1ec7n cho xong h\u1ee3p \u0111\u1ed3ng vay, ch\u1ee9 mua \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n th\u00ec g\u1ea7n nh\u01b0 ch\u01b0a t\u00ednh \u0111\u1ebfn. \u0110\u00f3 l\u00e0 l\u00fd do v\u00ec sao c\u00f3 nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng BHNT b\u1ecb b\u1ecf \u0111\u00f3ng ph\u00ed sau 1 n\u0103m. M\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh b\u1ecb NH \u00e9p mua BH nh\u01b0ng khi x\u1eed l\u00fd v\u1ee5 vi\u1ec7c, ph\u00eda kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0a ra \u0111\u01b0\u1ee3c b\u1eb1ng ch\u1ee9ng n\u00e0o b\u1ecb \u00e9p mua. Do \u0111\u00f3 c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng kh\u00f3 x\u1eed l\u00fd trong t\u00ecnh hu\u1ed1ng n\u00e0y.<\/p>\n

Ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c tr\u1ea3 tr\u01b0\u1edbc ph\u00ed h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng<\/strong><\/h5>\n

T\u1ea1i b\u00e1o c\u00e1o “Ng\u00e0nh NH VN: Bancassurance th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp ph\u00ed” c\u1ee7a C\u00f4ng ty TNHH ch\u1ee9ng kho\u00e1n Yuanta Vi\u1ec7t Nam c\u00f4ng b\u1ed1 v\u00e0o gi\u1eefa n\u0103m 2022, k\u00eanh Bancassurance (ph\u00e2n ph\u1ed1i BH qua k\u00eanh NH) chi\u1ebfm 39% t\u1ed5ng doanh thu BHNT n\u0103m 2021 v\u00e0 k\u1ef3 v\u1ecdng n\u0103m 2025 s\u1ebd \u0111\u1ea1t 50%. Bancassurance c\u00f2n l\u00e0 \u0111\u1ed9ng l\u1ef1c ch\u00ednh th\u00fac \u0111\u1ea9y l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c NH, gi\u00fap NH \u00edt ph\u1ee5 thu\u1ed9c h\u01a1n v\u00e0o ho\u1ea1t \u0111\u1ed9ng cho vay. Trong giai \u0111o\u1ea1n t\u1eeb n\u0103m 2015 – 2022, h\u00e0ng lo\u1ea1t c\u00e1c NH c\u00f3 th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c trong Bancassurance v\u1edbi ph\u00ed tr\u1ea3 tr\u01b0\u1edbc l\u00ean h\u00e0ng ngh\u00ecn t\u1ec9 \u0111\u1ed3ng. Ch\u1eb3ng h\u1ea1n, n\u0103m 2020, ACB k\u00fd v\u1edbi Sun Life h\u1ee3p \u0111\u1ed3ng k\u1ef3 h\u1ea1n 15 n\u0103m, ph\u00ed tr\u1ea3 tr\u01b0\u1edbc \u01b0\u1edbc t\u00ednh 8.500 t\u1ec9 \u0111\u1ed3ng; n\u0103m 2017, Techcombank k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi Manulife k\u1ef3 h\u1ea1n 15 n\u0103m, ph\u00ed tr\u1ea3 tr\u01b0\u1edbc \u01b0\u1edbc t\u00ednh 1.500 t\u1ec9 \u0111\u1ed3ng; n\u0103m 2019, Vietcombank k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi FWD k\u1ef3 h\u1ea1n 15 n\u0103m, ph\u00ed tr\u1ea3 tr\u01b0\u1edbc \u01b0\u1edbc t\u00ednh 9.000 t\u1ec9 \u0111\u1ed3ng\u2026<\/p>\n

T\u0103ng c\u01b0\u1eddng thanh tra, ch\u1ebf t\u00e0i<\/strong><\/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>, cho r\u1eb1ng t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng n\u0103m \u0111\u1ea7u ti\u00ean t\u1eeb 32 – 73% l\u00e0 qu\u00e1 cao, cho th\u1ea5y s\u1ef1 “\u00e9p bu\u1ed9c” ch\u1ee9 kh\u00f4ng h\u1eb3n tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n c\u1ee7a ng\u01b0\u1eddi mua BH. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c vi\u1ec7c b\u1ecb “\u00e9p” mua th\u00ec c\u00f3 th\u1ec3 h\u1ee3p \u0111\u1ed3ng BH v\u00f4 hi\u1ec7u. Hay m\u1ed9t ng\u01b0\u1eddi thu\u1ed9c di\u1ec7n ngh\u00e8o nh\u01b0ng l\u1ea1i mua BH m\u00e0 n\u0103m \u0111\u1ea7u n\u1ed9p ph\u00ed to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111ang g\u1eedi \u1edf NH th\u00ec l\u00e0 d\u1ea5u hi\u1ec7u kh\u00e1 r\u00f5 c\u1ee7a vi\u1ec7c b\u1ecb nh\u1ea7m l\u1eabn. Th\u1ef1c tr\u1ea1ng n\u00e0y di\u1ec5n ra \u1edf nhi\u1ec1u NH song l\u1ea1i r\u1ea5t kh\u00f3 \u0111\u1ec3 ch\u1ee9ng minh. “B\u00fat sa g\u00e0 ch\u1ebft” r\u1ed3i kh\u00e1ch h\u00e0ng m\u1edbi quay ra ki\u1ec7n NH l\u00e0 \u0111i\u1ec1u r\u1ea5t kh\u00f3, th\u1eadm ch\u00ed ra t\u00f2a d\u00e2n s\u1ef1 c\u0169ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c. Ch\u1ec9 c\u00f3 c\u00f4ng an v\u00e0o cu\u1ed9c, th\u00f4ng qua nhi\u1ec1u h\u1ed3 s\u01a1, b\u1eb1ng ch\u1ee9ng m\u1edbi bi\u1ebft \u0111\u01b0\u1ee3c ai \u0111\u00fang, ai sai, sai \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o\u2026\u00a0<\/em><\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1ea5n m\u1ea1nh: \u0110\u1ec3 x\u1ea3y ra th\u1ef1c tr\u1ea1ng n\u00e0y r\u00f5 r\u00e0ng l\u00e0 l\u1ed7i c\u1ee7a nh\u1eefng NH \u0111ang h\u00e0nh x\u1eed theo ki\u1ec3u v\u00ec l\u1ee3i nhu\u1eadn m\u00e0 s\u1eb5n s\u00e0ng tr\u00e1i v\u1edbi l\u01b0\u01a1ng t\u00e2m, \u0111\u1ea1o l\u00fd. \u0110\u1ea7u ti\u00ean, NH c\u1ea7n x\u00e1c \u0111\u1ecbnh l\u1ea1i c\u00e1ch l\u00e0m \u0103n t\u1eed t\u1ebf b\u1edfi n\u1ebfu th\u1ef1c tr\u1ea1ng n\u00e0y c\u00e0ng k\u00e9o d\u00e0i th\u00ec c\u00e0ng khi\u1ebfn ng\u01b0\u1eddi d\u00e2n m\u1ea5t thi\u1ec7n c\u1ea3m v\u1ec1 s\u1ea3n ph\u1ea9m BH, v\u1ec1 NH trong khi \u0111\u00e2y l\u1ea1i l\u00e0 ng\u00e0nh kinh doanh d\u1ef1a tr\u00ean uy t\u00edn v\u00e0 ni\u1ec1m tin. M\u1ed9t khi ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb lung lay th\u00ec ch\u00ednh c\u00e1c NH s\u1ebd ch\u1ecbu thi\u1ec7t h\u1ea1i, s\u1ebd ph\u1ea3i tr\u1ea3 gi\u00e1.<\/em><\/p>\n

“Nh\u1eefng sai ph\u1ea1m x\u1ea3y ra trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a \u0111\u1ea1i l\u00fd BH nh\u01b0 NH 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. Th\u1eadt s\u1ef1 th\u1eddi gian qua nh\u1eefng sai ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng b\u00e1n BH \u0111\u00e3 khi\u1ebfn 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 BH g\u00e1nh l\u1ea5y h\u1eadu qu\u1ea3. C\u00f2n \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 n\u1eb7ng”, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0n\u00f3i.<\/em><\/p>\n

\u0110\u1ed3ng t\u00ecnh, PGS-TS \u0110inh Tr\u1ecdng Th\u1ecbnh, gi\u1ea3ng vi\u00ean c\u1ea5p cao H\u1ecdc vi\u1ec7n T\u00e0i ch\u00ednh, nh\u1eadn \u0111\u1ecbnh v\u1edbi t\u1ef7 l\u1ec7 kh\u00e1ch b\u1ecf h\u1ee3p \u0111\u1ed3ng BHNT sau n\u0103m \u0111\u1ea7u t\u1eeb 32 – 73%, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng s\u1ed1 ti\u1ec1n kh\u00f4ng nh\u1ecf m\u00e0 kh\u00e1ch h\u00e0ng thi\u1ec7t h\u1ea1i v\u00ec theo quy \u0111\u1ecbnh chung c\u1ee7a BH l\u00e0 kh\u00f4ng l\u1ea5y l\u1ea1i \u0111\u01b0\u1ee3c ti\u1ec1n. Vi\u1ec7c B\u1ed9 T\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n thanh tra c\u00e1c \u0111\u01a1n v\u1ecb BH nhi\u1ec1u h\u01a1n trong th\u1eddi gian t\u1edbi l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 ch\u1ea5n ch\u1ec9nh nh\u1eefng sai ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng n\u00e0y. M\u1ed9t \u0111\u1ec1 xu\u1ea5t g\u1ea7n \u0111\u00e2y cho r\u1eb1ng kh\u00e1ch h\u00e0ng vay s\u1ebd kh\u00f4ng ph\u1ea3i mua BH \u00edt nh\u1ea5t trong th\u1eddi gian t\u1eeb 3 – 6 th\u00e1ng nh\u1eb1m tr\u00e1nh vi\u1ec7c “\u00e9p” mua BH khi th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng vay c\u0169ng l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p t\u00ecnh th\u1ebf.<\/p>\n

V\u1ec1 l\u00e2u d\u00e0i, \u00f4ng \u0110inh Tr\u1ecdng Th\u1ecbnh cho r\u1eb1ng c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 h\u01a1n trong vi\u1ec7c t\u01b0 v\u1ea5n BH \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng khi th\u1ef1c hi\u1ec7n vay v\u1ed1n. Ri\u00eang b\u1ea3n th\u00e2n c\u00e1c doanh nghi\u1ec7p, c\u00e1 nh\u00e2n c\u1ea7n n\u1eafm r\u00f5 quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh trong th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c vay v\u1ed1n. H\u1ee3p \u0111\u1ed3ng BHNT l\u00e0 t\u1ef1 nguy\u1ec7n n\u00ean trong tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean NH c\u00f3 nh\u1eefng g\u1ee3i \u00fd t\u01b0 v\u1ea5n BH hay l\u1ed3ng v\u00e0o \u0111\u00f3 vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t cho vay th\u00ec kh\u00e1ch h\u00e0ng c\u1ea7n ph\u1ea3n h\u1ed3i l\u00ean c\u01a1 quan ch\u1ee9c n\u0103ng. V\u1edbi b\u1eb1ng ch\u1ee9ng c\u00f3 \u0111\u01b0\u1ee3c, c\u01a1 quan ch\u1ee9c n\u0103ng s\u1ebd x\u1eed ph\u1ea1t n\u1eb7ng c\u00e1 nh\u00e2n c\u0169ng nh\u01b0 t\u1ed5 ch\u1ee9c \u0111\u1ec3 ng\u0103n ng\u1eeba vi ph\u1ea1m. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng \u0111\u1ed3ng \u00fd v\u1edbi nh\u1eefng “th\u1ecfa thu\u1eadn” mua BH \u0111\u1ec3 gi\u1ea3m l\u00e3i vay th\u00ec l\u00fac n\u00e0y r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 n\u00f3i NH “\u00e9p” kh\u00e1ch h\u00e0ng.<\/p>\n

B\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng c\u00f2n nhi\u1ec1u sai ph\u1ea1m<\/strong><\/h5>\n

Theo k\u1ebft qu\u1ea3 thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, vi\u1ec7c b\u00e1n BH qua k\u00eanh \u0111\u1ea1i l\u00fd l\u00e0 c\u00e1c NH c\u00f2n nhi\u1ec1u sai ph\u1ea1m, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00e2u t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean. M\u1ed9t s\u1ed1 h\u00e0nh vi vi ph\u1ea1m \u0111i\u1ec3n h\u00ecnh nh\u01b0: Kh\u00f4ng t\u01b0 v\u1ea5n tr\u1ef1c ti\u1ebfp cho kh\u00e1ch h\u00e0ng ho\u1eb7c kh\u00f4ng h\u01b0\u1edbng d\u1eabn \u0111\u1ea7y \u0111\u1ee7 th\u1ee7 t\u1ee5c trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n quy tr\u00ecnh, th\u1ee7 t\u1ee5c h\u1ed3 s\u01a1 y\u00eau c\u1ea7u theo quy \u0111\u1ecbnh c\u1ee7a doanh nghi\u1ec7p; Kh\u00f4ng \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n v\u1ec1 s\u1ea3n ph\u1ea9m BH, d\u1eabn \u0111\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng hi\u1ec3u r\u00f5 v\u1ec1 s\u1ea3n ph\u1ea9m BH\u2026<\/p>\n

Trong n\u0103m 2023, B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n thanh tra, ki\u1ec3m tra chuy\u00ean \u0111\u1ec1 b\u00e1n BH qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh NH n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi 10 doanh nghi\u1ec7p BH. \u0110\u1ed3ng th\u1eddi, ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd v\u1edbi C\u01a1 quan thanh tra, gi\u00e1m s\u00e1t NH – Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc trong vi\u1ec7c thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p d\u1ecbch v\u1ee5 BH qua NH. Tr\u01b0\u1eddng h\u1ee3p ph\u00e1t hi\u1ec7n vi ph\u1ea1m, s\u1ebd x\u1eed l\u00fd nghi\u00eam theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/p>\n

\u00dd\u00a0ki\u1ebfn<\/strong><\/h4>\n
Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i v\u00e0o cu\u1ed9c thanh tra c\u00f9ng B\u1ed9 T\u00e0i ch\u00ednh<\/strong><\/h5>\n

N\u1ebfu ch\u1ec9 c\u00f3 B\u1ed9 T\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n thanh tra c\u00e1c c\u00f4ng ty BH th\u00ec s\u1ebd kh\u00f4ng th\u1ec3 ph\u00e1t hi\u1ec7n \u0111\u01b0\u1ee3c sai ph\u1ea1m b\u1edfi vi\u1ec7c “\u00e9p” kh\u00e1ch h\u00e0ng mua BH l\u00e0 t\u1eeb ph\u00eda NH. Nh\u01b0ng B\u1ed9 T\u00e0i ch\u00ednh kh\u00f4ng ph\u1ea3i l\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i. Trong khi \u0111\u00f3, NH l\u1ea1i g\u1eafn vi\u1ec7c b\u00e1n BH v\u00e0o ho\u1ea1t \u0111\u1ed9ng t\u00edn d\u1ee5ng \u0111\u1ec3 b\u00e1n \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m n\u00e0y v\u00e0 b\u1ecf t\u00fai ph\u00ed hoa h\u1ed3ng. Do \u0111\u00f3 NH Nh\u00e0 n\u01b0\u1edbc ph\u1ea3i v\u00e0o cu\u1ed9c thanh ki\u1ec3m tra, \u0111\u1ed3ng th\u1eddi ph\u1ea3i c\u00f3 gi\u1ea3i ph\u00e1p c\u1ee5 th\u1ec3. Ch\u1eb3ng h\u1ea1n \u0111\u1ecbnh ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o l\u00e0 “\u00e9p” kh\u00e1ch h\u00e0ng. V\u00ec n\u1ebfu xem x\u00e9t v\u1ec1 quy tr\u00ecnh th\u00ec s\u1ebd kh\u00f4ng c\u00f3 sai ph\u1ea1m b\u1edfi tr\u00ean c\u00e1c gi\u1ea5y t\u1edd kh\u00e1ch h\u00e0ng \u0111\u1ec1u ph\u1ea3i k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng \u0111\u1ea7y \u0111\u1ee7. Song song \u0111\u00f3, m\u1ee9c x\u1eed ph\u1ea1t ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cao h\u01a1n. Ch\u1eb3ng h\u1ea1n, c\u00f3 th\u1ec3 \u0111\u1ec1 ra x\u1eed ph\u1ea1t n\u1ebfu ph\u00e1t hi\u1ec7n sai ph\u1ea1m khi “\u00e9p” kh\u00e1ch h\u00e0ng vay v\u1ed1n ph\u1ea3i mua k\u00e8m BHNT th\u00ec NH \u0111\u00f3 s\u1ebd b\u1ecb ph\u1ea1t 1 n\u0103m doanh thu BH. T\u01b0\u01a1ng \u0111\u01b0\u01a1ng n\u1ebfu anh thu \u0111\u01b0\u1ee3c 1.000 t\u1ec9 \u0111\u1ed3ng t\u1eeb d\u1ecbch v\u1ee5 BH th\u00ec s\u1ebd b\u1ecb ph\u1ea1t kho\u1ea3n ti\u1ec1n \u0111\u00f3 m\u1edbi khi\u1ebfn NH “s\u1ee3”, kh\u00f4ng ch\u1ea1y \u0111ua b\u00e1n BH b\u1eb1ng m\u1ecdi c\u00e1ch. S\u1ed1 ti\u1ec1n ph\u1ea1t c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ho\u00e0n tr\u1ea3 l\u1ea1i cho kh\u00e1ch h\u00e0ng \u0111\u00e3 b\u1ecb “\u00e9p” n\u00eau tr\u00ean.<\/p>\n

TS\u00a0Tr\u1ea7n Nguy\u00ean \u0110\u00e1n<\/strong>, 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)<\/p>\n

Mai Ph\u01b0\u01a1ng \u2013 Thanh Xu\u00e2n<\/strong><\/h5>\n

—————<\/p>\n

Thanh<\/em><\/strong> ni\u00ean<\/em><\/strong> (Kinh<\/em><\/strong> t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>06-7<\/em><\/strong>-2023:<\/em><\/strong><\/h5>\n

https:\/\/thanhnien.vn\/quyet-liet-thanh-tra-ngan-hang-ban-cheo-bao-hiem-185230706012326796.htm#<\/a> <\/em><\/p>\n

(<\/em>392\/2.776<\/em>) #bancassurance #BHNT<\/em>","protected":false},"excerpt":{"rendered":"

Quy\u1ebft li\u1ec7t thanh tra ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m (TN) – D\u00f9 ch\u1ec9 m\u1edbi th\u1ef1c hi\u1ec7n \u1edf 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, k\u1ebft qu\u1ea3 thanh tra cho th\u1ea5y vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m qua c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 sai ph\u1ea1m trong khi kh\u00e1ch h\u00e0ng b\u1ecf h\u1ee3p \u0111\u1ed3ng sau khi mua l\u00ean cao. Theo th\u00f4ng […]<\/p>\n","protected":false},"author":1,"featured_media":37352,"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-37351","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":"\n4.080. 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