{"id":37355,"date":"2023-07-06T06:49:25","date_gmt":"2023-07-05T23:49:25","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37355"},"modified":"2024-11-24T10:51:32","modified_gmt":"2024-11-24T03:51:32","slug":"3-530-bat-benh-kinh-nien-trong-ban-cheo-bao-hiem-qua-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-530-bat-benh-kinh-nien-trong-ban-cheo-bao-hiem-qua-ngan-hang\/","title":{"rendered":"3.530. B\u1eaft b\u1ec7nh \u201ckinh ni\u00ean\u201d trong b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng"},"content":{"rendered":"<h4><span style=\"color: #723918;\">B\u1eaft b\u1ec7nh \u201ckinh ni\u00ean\u201d trong b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng<\/span><\/h4>\n<h5>(C\u0110XH) &#8211; D\u00f9 ch\u1ec9 m\u1edbi ch\u1ec9 ti\u1ebfn h\u00e0nh b\u01b0\u1edbc \u0111\u1ea7u \u1edf 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, song k\u1ebft qu\u1ea3 thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh cho th\u1ea5y vi\u1ec7c b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i nh\u1eefng doanh nghi\u1ec7p n\u00e0y \u0111\u1ec1u c\u00f3 nh\u1eefng sai ph\u1ea1m &#8220;na n\u00e1&#8221; nhau&#8230;<\/h5>\n<p>Nh\u1eefng ng\u00e0y cu\u1ed1i th\u00e1ng 6 v\u1eeba qua, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 li\u00ean ti\u1ebfp ph\u00e1t \u0111i th\u00f4ng c\u00e1o li\u00ean quan \u0111\u1ebfn k\u1ebft qu\u1ea3 thanh tra vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m g\u1ed3m: Prudential, MB Ageas, Sun Life v\u00e0 BIDV Metlife.<\/p>\n<p>Trong \u0111\u00f3, qua thanh tra, B\u1ed9 T\u00e0i ch\u00ednh cho bi\u1ebft, vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh \u0111\u1ea1i l\u00fd l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng 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 ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean m\u00f4i gi\u1edbi.<\/p>\n<p>\u0110i\u1ec3n h\u00ecnh l\u00e0 quy tr\u00ecnh \u0111\u00e0o t\u1ea1o v\u00e0 t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 ph\u00e2n c\u1ea5p, \u1ee7y quy\u1ec1n v\u1ec1 nhi\u1ec7m v\u1ee5, quy\u1ec1n h\u1ea1n c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n, b\u1ed9 ph\u1eadn v\u00e0 c\u01a1 ch\u1ebf ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c c\u00e1 nh\u00e2n, c\u00e1c b\u1ed9 ph\u1eadn trong vi\u1ec7c tri\u1ec3n khai t\u1eebng ho\u1ea1t \u0111\u1ed9ng theo \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n<p>\u0110\u01a1n c\u1eed, t\u1ea1i Sun Life Vi\u1ec7t Nam, B\u1ed9 T\u00e0i ch\u00ednh ph\u00e1t hi\u1ec7n t\u1edbi 44 tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh b\u00e1n b\u1ea3o hi\u1ec3m. Trong \u0111\u00f3, c\u00f3 6 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ec3 ng\u01b0\u1eddi kh\u00e1c k\u00fd thay b\u00ean mua b\u1ea3o hi\u1ec3m, k\u00fd thay b\u00ean mua b\u1ea3o hi\u1ec3m tr\u00ean h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m l\u1eadp qua \u1ee9ng d\u1ee5ng SunSmart; k\u00fd thay b\u00ean mua b\u1ea3o hi\u1ec3m t\u1ea1i bi\u00ean nh\u1eadn b\u00e0n giao h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m&#8230;<\/p>\n<p>Hay vi\u1ec7c c\u00e1c doanh nghi\u1ec7p n\u00e0y t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u00ednh x\u00e1c theo c\u01a1 s\u1edf k\u1ef9 thu\u1eadt v\u00e0 bi\u1ec3u ph\u00ed \u0111\u00e3 \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh ph\u00ea chu\u1ea9n&#8230; Nh\u01b0 \u1edf Prudential, c\u00f3 t\u1edbi 112.209 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1eed k\u1ef3 b\u1ecb t\u00ednh to\u00e1n kh\u00f4ng ch\u00ednh x\u00e1c v\u1ec1 s\u1ed1 ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m&#8230;<\/p>\n<h5><strong>H\u1ea1ch to\u00e1n, kh\u1ea5u tr\u1eeb thu\u1ebf sai quy \u0111\u1ecbnh<\/strong><\/h5>\n<p>Theo k\u1ebft lu\u1eadn thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, n\u0103m 2021, Prudential \u0111\u00e3 h\u1ea1ch to\u00e1n h\u01a1n 740 t\u1ef7 \u0111\u1ed3ng v\u00e0o kho\u1ea3n chi ph\u00ed li\u00ean quan ho\u1ea1t \u0111\u1ed9ng bancass v\u00e0 \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf TNDN.<\/p>\n<p>&#8220;Vi\u1ec7c Prudential h\u1ea1ch to\u00e1n h\u01a1n 740 t\u1ef7 \u0111\u1ed3ng v\u00e0o kho\u1ea3n chi ph\u00ed li\u00ean quan ho\u1ea1t \u0111\u1ed9ng bancass v\u00e0 \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p ch\u01b0a \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 thu\u1ebf&#8221;, theo k\u1ebft lu\u1eadn thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh.<\/p>\n<p>T\u01b0\u01a1ng t\u1ef1, c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00e1c b\u1ecb thanh tra v\u1eeba qua c\u0169ng \u0111\u1ec1u c\u00f3 nh\u1eefng sai ph\u1ea1m t\u01b0\u01a1ng t\u1ef1. V\u1edbi BIDV Metlife, kho\u1ea3n h\u1ea1ch to\u00e1n sai n\u00e0y l\u00e0 174,243 t\u1ef7 \u0111\u1ed3ng; Sun Life l\u00e0 h\u01a1n 600 t\u1ef7 \u0111\u1ed3ng&#8230;<\/p>\n<p>Ngo\u00e0i ra, Sun Life c\u00f2n chi tr\u1ea3, h\u1ea1ch to\u00e1n h\u1ed7 tr\u1ee3 cho c\u00e1c ng\u00e2n h\u00e0ng ch\u01b0a \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 thu\u1ebf. C\u1ee5 th\u1ec3, Sun Life chi tr\u1ea3, h\u1ea1ch to\u00e1n kho\u1ea3n chi ph\u00ed h\u1ed7 tr\u1ee3 ti\u1ebfp th\u1ecb cho Ng\u00e2n h\u00e0ng Ti\u00ean Phong 121 t\u1ef7 \u0111\u1ed3ng l\u00e0 chi ph\u00ed \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu TNDN n\u0103m 2021 nh\u01b0ng kh\u00f4ng c\u0103n c\u1ee9 chi ph\u00ed th\u1ef1c t\u1ebf ho\u1ea1t \u0111\u1ed9ng marketing do ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n. T\u01b0\u01a1ng t\u1ef1, kho\u1ea3n v\u1edbi Ng\u00e2n h\u00e0ng ACB l\u00e0 78 t\u1ef7 \u0111\u1ed3ng nh\u01b0ng kh\u00f4ng c\u00f3 \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1, ch\u1ee9ng t\u1eeb&#8230;<\/p>\n<p>Trong 4 c\u00f4ng ty b\u1ea3o hi\u1ec3m, MB Ageas l\u00e0 doanh nghi\u1ec7p c\u00f3 sai ph\u1ea1m h\u1ea1ch to\u00e1n sai n\u00e0y nh\u1ecf nh\u1ea5t v\u1edbi s\u1ed1 ti\u1ec1n ch\u1ec9 5,9 t\u1ef7 \u0111\u1ed3ng. Trong \u0111\u00f3, MB Ageas chi tr\u1ea3 chi ph\u00ed hoa h\u1ed3ng \u0111\u1ea1i l\u00fd \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1ecb h\u1ee7y, ch\u01b0a thu h\u1ed3i \u0111\u1ea1i l\u00fd s\u1ed1 ti\u1ec1n l\u00e0 748 tri\u1ec7u \u0111\u1ed3ng; tr\u1ea3 chi ph\u00ed \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u01b0\u1edbc t\u00ednh s\u1ed1 li\u1ec7u hoa h\u1ed3ng v\u00e0 th\u01b0\u1edfng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m khai th\u00e1c b\u1edfi \u0111\u1ea1i l\u00fd ch\u01b0a ch\u00ednh x\u00e1c 950 tri\u1ec7u \u0111\u1ed3ng v\u00e0 chi th\u01b0\u1edfng tr\u1ef1c ti\u1ebfp cho chi nh\u00e1nh, c\u00e1 nh\u00e2n l\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng 3,2 t\u1ef7 \u0111\u1ed3ng.<\/p>\n<p>V\u1edbi sai ph\u1ea1m n\u00e0y, trong k\u1ebft lu\u1eadn thanh tra, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1u \u0111\u1ec1 ngh\u1ecb T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i h\u1ea1ch to\u00e1n chi ph\u00ed bancass v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p n\u0103m 2021. C\u00e1c kho\u1ea3n chi t\u01b0\u01a1ng t\u1ef1 \u1edf k\u1ef3 k\u1ebf to\u00e1n ti\u1ebfp theo, doanh nghi\u1ec7p ph\u1ea3i t\u00ednh to\u00e1n l\u1ea1i, k\u00ea khai b\u1ed5 sung v\u00e0o thu\u1ebf TNDN.<\/p>\n<h5><strong>T\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng cao<\/strong><\/h5>\n<p>Nh\u01b0 tr\u00ean, th\u1ed1ng k\u00ea v\u1ec1 t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ecb h\u1ee7y sau n\u0103m th\u1ee9 nh\u1ea5t l\u00ean t\u1edbi 73% l\u00e0 h\u1ee3p \u0111\u1ed3ng bancass c\u1ee7a Sun Life th\u1ef1c hi\u1ec7n t\u1ea1i TPBank.<\/p>\n<p>N\u0103m 2021, Sun Life tri\u1ec3n khai b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng qua 2 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 Ng\u00e2n h\u00e0ng ACB v\u00e0 TPB. Trong \u0111\u00f3, t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m qua k\u00eanh bancass \u0111\u1ea1t 2.038,14 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng 61,15% t\u1ed5ng doanh thu ph\u00ed; doanh thu khai th\u00e1c m\u1edbi qua k\u00eanh bancass \u0111\u1ea1t 1.907,79 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng 82,27% doanh thu ph\u00ed khai th\u00e1c m\u1edbi.<\/p>\n<p>Theo th\u1ed1ng k\u00ea, n\u0103m 2021, Sun Life ph\u00e1t h\u00e0nh m\u1edbi 80.117 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m qua k\u00eanh bancass. Trong \u0111\u00f3 c\u00f3 3.247 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ecb h\u1ee7y b\u1ecf trong th\u1eddi gian c\u00e2n nh\u1eafc (t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ef7 l\u1ec7 4,05%). T\u1ef7 l\u1ec7 h\u1ee7y b\u1ecf v\u00e0 ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m sau th\u1eddi gian c\u00e2n nh\u1eafc (n\u0103m th\u1ee9 nh\u1ea5t) c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng ph\u00e1t h\u00e0nh qua TPB c\u00f3 k\u1ef7 l\u1ee5c l\u00e0 73%, qua ACB l\u00e0 39%.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-37356 size-medium alignright\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-3-450x282.png\" alt=\"b\u1ec7nh kinh ni\u00ean trong b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m\" width=\"450\" height=\"282\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-3-450x282.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-3-768x482.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-3.png 945w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<h5><em><strong>V\u1edbi Prudential, t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng sau n\u0103m \u0111\u1ea7u ti\u00ean l\u00e0 41%.<\/strong><\/em><\/h5>\n<p>Theo b\u00e1o c\u00e1o t\u00e0i ch\u00ednh, n\u0103m 2021, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a Prudential qua k\u00eanh bancass \u0111\u1ea1t 6.184,57 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng 21,48% t\u1ed5ng doanh thu ph\u00ed. Trong \u0111\u00f3, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m khai th\u00e1c m\u1edbi qua k\u00eanh bancass l\u00ean t\u1edbi 3.700,25 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng 54,89% t\u1ed5ng doanh thu ph\u00ed khai th\u00e1c m\u1edbi.<\/p>\n<p>\u0110\u01b0\u1ee3c bi\u1ebft, Prudential \u0111\u00e3 tri\u1ec3n khai b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng qua 8 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng g\u1ed3m: VIB, MSB, PVcomBank, SeABank, Standard Chartered, VietBank, UOB v\u00e0 Shinhan Vi\u1ec7t Nam. Trong n\u0103m 2021, c\u00f4ng ty \u0111\u00e3 h\u1ea1ch to\u00e1n chi ph\u00ed chi tr\u1ea3 cho c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m l\u00e0 ng\u00e2n h\u00e0ng tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n 1.972,11 t\u1ef7 \u0111\u1ed3ng.<\/p>\n<h5><em><strong>V\u1edbi BIDV Metlife, t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng sau n\u0103m th\u1ee9 nh\u1ea5t l\u00e0 39%<\/strong><\/em><\/h5>\n<p>Theo b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n n\u0103m 2021 v\u00e0 s\u1ed1 li\u1ec7u b\u00e1o c\u00e1o c\u1ee7a BIDV Metlife, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m tri\u1ec3n khai b\u00e1n th\u00f4ng qua BIDV \u0111\u1ea1t h\u01a1n 1.553,278 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng 99,2% t\u1ed5ng doanh thu ph\u00ed (h\u01a1n 1.565.224 t\u1ef7 \u0111\u1ed3ng).<\/p>\n<p>Trong \u0111\u00f3, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m khai th\u00e1c m\u1edbi tri\u1ec3n khai b\u00e1n th\u00f4ng qua BIDV \u0111\u1ea1t h\u01a1n 452,627 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng 98,3% t\u1ed5ng doanh thu ph\u00ed khai th\u00e1c m\u1edbi (460,397 t\u1ef7 \u0111\u1ed3ng).<\/p>\n<h5><em><strong>MB Ageas, t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng sau \u0111\u1ea7u l\u00e0 32,4%<\/strong><\/em><\/h5>\n<p>Nh\u01b0 v\u1eady, trong 4 doanh nghi\u1ec7p b\u1ecb thanh tra, MB Ageas l\u00e0 doanh nghi\u1ec7p c\u00f3 t\u1ef7 l\u1ec7 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m h\u1ee7y sau n\u0103m \u0111\u1ea7u th\u1ea5p nh\u1ea5t.<\/p>\n<p>\u0110\u01b0\u1ee3c bi\u1ebft, t\u01b0\u01a1ng t\u1ef1 BIDV Metlife, doanh nghi\u1ec7p n\u00e0y b\u00e1n b\u1ea3o hi\u1ec3m qua Ng\u00e2n h\u00e0ng MB v\u00e0 C\u00f4ng ty t\u00e0i ch\u00ednh MB Shinsei (hay C\u00f4ng ty t\u00e0i ch\u00ednh MCredit).<\/p>\n<p>B\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u00e3 ki\u1ec3m to\u00e1n n\u0103m 2021 v\u00e0 s\u1ed1 li\u1ec7u c\u1ee7a c\u00f4ng ty cho th\u1ea5y, t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m qua k\u00eanh bancass \u0111\u1ea1t 4.466,52 t\u1ef7 \u0111\u1ed3ng. Trong \u0111\u00f3, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m khai th\u00e1c m\u1edbi qua k\u00eanh bancass \u0111\u1ea1t 2,820.91 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u1ee9ng 74% t\u1ed5ng doanh thu ph\u00ed khai th\u00e1c m\u1edbi.<\/p>\n<p><em>Theo <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>, t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng sau n\u0103m \u0111\u1ea7u ti\u00ean t\u1eeb 32 &#8211; 73% l\u00e0 qu\u00e1 cao. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y c\u00f3 th\u1ec3 c\u00f3 s\u1ef1 &#8220;\u00e9p bu\u1ed9c&#8221; ch\u1ee9 kh\u00f4ng h\u1eb3n tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m.V\u00e0 trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c vi\u1ec7c b\u1ecb &#8220;\u00e9p&#8221; mua th\u00ec c\u00f3 th\u1ec3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00f4 hi\u1ec7u.<\/em><\/p>\n<p><em>\u00d4ng \u0110\u1ee9c cho r\u1eb1ng, nh\u1eefng sai ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m th\u1eddi gian qua \u0111\u00e3 khi\u1ebfn ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1ea5t ni\u1ec1m tin. V\u00e0 khi ng\u01b0\u1eddi d\u00e2n kh\u00f4ng tham gia n\u1eefa th\u00ec ch\u00ednh c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ph\u1ea3i g\u00e1nh l\u1ea5y h\u1eadu qu\u1ea3.<\/em><\/p>\n<p><em>T\u1ea1i h\u1ecdp b\u00e1o Ch\u00ednh ph\u1ee7 th\u01b0\u1eddng k\u1ef3 th\u00e1ng 6 v\u00e0o chi\u1ec1u t\u1ed1i 4\/7, Th\u1ee9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh Nguy\u1ec5n \u0110\u1ee9c Chi cho bi\u1ebft, vi\u1ec7c ki\u1ec3m tra, thanh tra, gi\u00e1m s\u00e1t th\u1ecb tr\u01b0\u1eddng l\u00e0 ch\u1ee9c n\u0103ng v\u00e0 nhi\u1ec7m v\u1ee5 c\u1ee7a B\u1ed9, \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh th\u01b0\u1eddng xuy\u00ean; kh\u00f4ng ph\u1ea3i l\u00e0 khi c\u00f3 Ngh\u1ecb quy\u1ebft c\u1ee7a Qu\u1ed1c h\u1ed9i m\u1edbi l\u00e0m.<\/em><\/p>\n<p><em>Tr\u00ean tinh th\u1ea7n \u0111\u00f3, s\u1eafp t\u1edbi B\u1ed9 n\u00e0y s\u1ebd thanh, ki\u1ec3m tra th\u00eam 6 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, 4 \u0111\u01a1n v\u1ecb phi nh\u00e2n th\u1ecd, t\u1eadp trung v\u00e0o li\u00ean k\u1ebft ho\u1ea1t \u0111\u1ed9ng, kinh doanh gi\u1eefa doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng.<\/em><\/p>\n<h5><strong>Tu\u1ea5n Vi\u1ec7t<\/strong><\/h5>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<h5><strong><em>Lao<\/em><\/strong> <strong><em>\u0111\u1ed9ng v\u00e0 C\u00f4ng \u0111o\u00e0n<\/em><\/strong> <strong><em>(Kinh<\/em><\/strong> <strong><em>t\u1ebf X\u00e3 h\u1ed9i<\/em><\/strong><strong><em>) ng\u00e0y <\/em><\/strong><strong><em>06-7<\/em><\/strong><strong><em>-2023:<\/em><\/strong><\/h5>\n<p><em><a href=\"https:\/\/laodongcongdoan.vn\/bat-benh-kinh-nien-trong-ban-cheo-bao-hiem-qua-ngan-hang-97753.html\">https:\/\/laodongcongdoan.vn\/bat-benh-kinh-nien-trong-ban-cheo-bao-hiem-qua-ngan-hang-97753.html<\/a> <\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><em>(<\/em><em>117\/1.522<\/em><em>) #bancassurance<\/em>","protected":false},"excerpt":{"rendered":"<p>B\u1eaft b\u1ec7nh \u201ckinh ni\u00ean\u201d trong b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (C\u0110XH) &#8211; D\u00f9 ch\u1ec9 m\u1edbi ch\u1ec9 ti\u1ebfn h\u00e0nh b\u01b0\u1edbc \u0111\u1ea7u \u1edf 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, song k\u1ebft qu\u1ea3 thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh cho th\u1ea5y vi\u1ec7c b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i nh\u1eefng doanh nghi\u1ec7p n\u00e0y \u0111\u1ec1u c\u00f3 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":37356,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[51,36],"class_list":["post-37355","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":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.530. 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