{"id":37363,"date":"2023-07-09T11:54:51","date_gmt":"2023-07-09T04:54:51","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37363"},"modified":"2024-11-22T16:28:54","modified_gmt":"2024-11-22T09:28:54","slug":"3-531-vuot-khung-hoang-doanh-nghiep-bao-hiem-phai-tang-chat","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-531-vuot-khung-hoang-doanh-nghiep-bao-hiem-phai-tang-chat\/","title":{"rendered":"3.531. V\u01b0\u1ee3t kh\u1ee7ng ho\u1ea3ng, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i t\u0103ng &#8220;ch\u1ea5t&#8221;"},"content":{"rendered":"<h4><span style=\"color: #723918;\">V\u01b0\u1ee3t kh\u1ee7ng ho\u1ea3ng, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i t\u0103ng &#8220;ch\u1ea5t&#8221;<\/span><\/h4>\n<h5>(HQ) &#8211; V\u1edbi s\u1ef1 v\u00e0o cu\u1ed9c c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd v\u1ec1 b\u1ea3o hi\u1ec3m, nhi\u1ec1u sai ph\u1ea1m c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c \u201c\u0111i\u1ec3m m\u1eb7t, ch\u1ec9 t\u00ean\u201d v\u00e0 c\u00f4ng khai \u0111\u1ea7y \u0111\u1ee7.<\/h5>\n<div id=\"attachment_37364\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-37364 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-5-450x300.png\" alt=\"b\u1ea3o hi\u1ec3m ph\u1ea3i t\u0103ng ch\u1ea5t\" width=\"450\" height=\"300\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-5-450x300.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-5-768x513.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/07\/Picture1-5.png 945w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">Ng\u00e0nh b\u1ea3o hi\u1ec3m c\u1ea7n nh\u00ecn l\u1ea1i m\u00ecnh \u0111\u1ec3 l\u1ea5y l\u1ea1i ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng. \u1ea2nh: ST<\/p><\/div>\n<p>\u0110\u00e2y c\u0169ng ch\u00ednh l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00ecn l\u1ea1i m\u00ecnh v\u00e0 c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u1ec3 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng, l\u1ea5y l\u1ea1i ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<h5><strong>T\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m mua qua ng\u00e2n h\u00e0ng l\u00ean t\u1edbi 70%<\/strong><\/h5>\n<p>Theo k\u1ebft lu\u1eadn thanh tra, ki\u1ec3m tra vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng t\u1ea1i 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m l\u00e0: Prudential, MB Ageas Life, Sun Life v\u00e0 BIDV Metlife c\u1ee7a C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh), 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>M\u1ed9t s\u1ed1 sai ph\u1ea1m \u0111\u01b0\u1ee3c ch\u1ec9 ra c\u1ee5 th\u1ec3 nh\u01b0 ho\u1ea1t \u0111\u1ed9ng th\u1ef1c hi\u1ec7n quy tr\u00ecnh, quy ch\u1ebf qu\u1ea3n l\u00fd \u0111\u1ea1i l\u00fd ch\u01b0a nghi\u00eam; ch\u01b0a th\u1ef1c hi\u1ec7n ph\u1ed1i h\u1ee3p, \u0111\u1ed1i so\u00e1t gi\u1eefa c\u00e1c b\u1ed9 ph\u1eadn v\u1ec1 th\u00f4ng tin ph\u1ea3n \u00e1nh, khi\u1ebfu n\u1ea1i \u0111\u1ea7y \u0111\u1ee7; cho ng\u01b0\u1eddi kh\u00e1c (\u0111\u1ea1i l\u00fd c\u00e1 nh\u00e2n kh\u00e1c, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng) s\u1eed d\u1ee5ng ipad, m\u00e3 s\u1ed1 \u0111\u1ea1i l\u00fd \u0111\u1ec3 h\u01b0\u1edbng d\u1eabn kh\u00e1ch h\u00e0ng nh\u1eadp th\u00f4ng tin; kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang bi\u1ec3u ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh ph\u00ea chu\u1ea9n\u2026<\/p>\n<h6><\/h6>\n<p>\u0110\u1eb7c bi\u1ec7t, k\u1ebft qu\u1ea3 thanh tra, ki\u1ec3m tra c\u00f2n cho th\u1ea5y m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1 nh\u1ee9c nh\u1ed1i l\u00e0 t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m mua qua ng\u00e2n h\u00e0ng sau n\u0103m th\u1ee9 nh\u1ea5t \u1edf m\u1ee9c kh\u00e1 cao. N\u0103m 2021, BIDV Metlife ph\u00e1t h\u00e0nh m\u1edbi 21.123 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng nh\u01b0ng t\u1ef7 l\u1ec7 h\u1ee7y sau n\u0103m th\u1ee9 nh\u1ea5t l\u00e0 39,4%. T\u01b0\u01a1ng t\u1ef1, Prudential (Vi\u1ec7t Nam) ph\u00e1t h\u00e0nh m\u1edbi 94.431 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng nh\u01b0ng t\u1ef7 l\u1ec7 h\u1ee7y sau n\u0103m th\u1ee9 nh\u1ea5t l\u00e0 41%. Sun Life Vi\u1ec7t Nam c\u0169ng ghi nh\u1eadn ph\u00e1t h\u00e0nh m\u1edbi 80.117 h\u1ee3p \u0111\u1ed3ng, 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 TPBank l\u00e0 73%, qua ACB l\u00e0 39%. MB Ageas Life c\u00f3 t\u1ef7 l\u1ec7 h\u1ee7y b\u1ecf th\u1ea5p nh\u1ea5t l\u00e0 g\u1ea7n 6% tr\u00ean 66.757 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00e1t h\u00e0nh m\u1edbi trong n\u0103m 2021.<\/p>\n<p>Theo s\u1ed1 li\u1ec7u c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, n\u0103m 2021, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ea1t g\u1ea7n 160.000 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 22% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2020. D\u00f9 l\u00e0 s\u1ed1 li\u1ec7u v\u00e0 k\u1ebft qu\u1ea3 thanh tra, ki\u1ec3m tra c\u1ee7a n\u0103m 2021, nh\u01b0ng nh\u00ecn v\u00e0o t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf th\u00ec \u0111\u00e2y c\u00f3 th\u1ec3 v\u1eabn l\u00e0 t\u00ecnh tr\u1ea1ng chung. B\u1edfi th\u1eddi gian qua, nh\u1eefng th\u00f4ng tin v\u1ec1 vi\u1ec7c kh\u00e1ch h\u00e0ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m khi vay v\u1ed1n (n\u1ebfu kh\u00f4ng mua th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n ho\u1eb7c ph\u1ea3i vay v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n\u2026), b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng chuy\u1ec3n t\u1eeb ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m sang \u0111\u1ea7u t\u01b0 b\u1ea3o hi\u1ec3m\u2026 li\u00ean t\u1ee5c x\u1ea3y ra, khi\u1ebfn c\u01a1 quan ch\u1ee9c n\u0103ng ph\u1ea3i v\u00e0o cu\u1ed9c \u0111\u1ec3 x\u1eed l\u00fd.<\/p>\n<h5><strong>DN b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i \u201ct\u1ec9nh t\u00e1o\u201d l\u1ea1i<\/strong><\/h5>\n<p>Cho \u0111\u1ebfn nay, c\u00e2u chuy\u1ec7n v\u1ec1 li\u00ean k\u1ebft b\u1ea3o hi\u1ec3m \u2013 ng\u00e2n h\u00e0ng v\u1eabn ch\u01b0a h\u1ebft \u201cn\u00f3ng\u201d, n\u00ean c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd, thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 nhi\u1ec1u l\u1ea7n nh\u1ea5n m\u1ea1nh s\u1ebd ti\u1ebfp t\u1ee5c c\u00f3 c\u00e1c bi\u1ec7n ph\u00e1p ch\u1ea5n ch\u1ec9nh, x\u1eed l\u00fd. Th\u1eadm ch\u00ed, Ngh\u1ecb quy\u1ebft 101\/2023\/QH15 v\u1ec1 K\u1ef3 h\u1ecdp th\u1ee9 5 Qu\u1ed1c h\u1ed9i kh\u00f3a XV \u0111\u00e3 y\u00eau c\u1ea7u Ch\u00ednh ph\u1ee7 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c c\u01a1 quan thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\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\u2026<\/p>\n<p><em>V\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, <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>\u00a0chia s\u1ebb, th\u1ef1c tr\u1ea1ng \u201cmua bia k\u00e8m l\u1ea1c\u201d khi \u0111i vay v\u1ed1n di\u1ec5n ra t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng, song r\u1ea5t kh\u00f3 \u0111\u1ec3 ch\u1ee9ng minh. V\u00ec th\u1ebf, v\u1ea5n \u0111\u1ec1 n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c ch\u1ea5n ch\u1ec9nh. \u0110\u1ea7u ti\u00ean l\u00e0 ph\u00eda ng\u00e2n h\u00e0ng ph\u1ea3i \u201ct\u1ec9nh t\u00e1o\u201d l\u1ea1i, c\u1ea7n x\u00e1c \u0111\u1ecbnh l\u1ea1i c\u00e1ch l\u00e0m, b\u1edfi n\u1ebfu \u0111\u1ec3 k\u00e9o d\u00e0i c\u00e0ng l\u00e2u th\u00ec khi\u1ebfn ng\u01b0\u1eddi d\u00e2n c\u00f3 c\u00e1i nh\u00ecn m\u1ea5t thi\u1ec7n c\u1ea3m v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Trong khi \u0111\u00e2y l\u1ea1i l\u00e0 ng\u00e0nh kinh doanh d\u1ef1a tr\u00ean uy t\u00edn v\u00e0 ni\u1ec1m tin. C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i xem l\u1ea1i c\u00e1ch b\u00e1n h\u00e0ng nh\u01b0 v\u1eady c\u00f3 \u0111\u00fang kh\u00f4ng, c\u00f3 h\u1ee3p l\u00fd kh\u00f4ng, quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 b\u1ea3o \u0111\u1ea3m kh\u00f4ng\u2026 N\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00f3ng ti\u1ebfp th\u00ec s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u00f3 coi nh\u01b0 m\u1ea5t gi\u00e1 tr\u1ecb, thi\u1ec7t h\u1ea1i cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/em><\/p>\n<h6><\/h6>\n<p>Nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 n\u00e0y, c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u00e3 ph\u00e1t \u0111i th\u00f4ng c\u00e1o s\u1ebd ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng. \u0110\u01a1n c\u1eed, MB Ageas Life cho bi\u1ebft nh\u1eefng k\u1ebft qu\u1ea3 thanh tra gi\u00fap c\u00e1c doanh nghi\u1ec7p tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, \u0111\u1ea3m b\u1ea3o quy\u1ec1n v\u00e0 l\u1ee3i \u00edch c\u1ee7a c\u00e1c b\u00ean tham gia h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00e1ch h\u00e0ng. \u0110\u1ed1i v\u1edbi MB Ageas Life, c\u00e1c t\u1ed3n t\u1ea1i \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n \u0111\u00e3 gi\u00fap MB Ageas Life c\u1ea3i ti\u1ebfn, ho\u00e0n thi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd, qu\u1ea3n tr\u1ecb kinh doanh, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng.<\/p>\n<p>Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam cho bi\u1ebft, 100% doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u1ef1c hi\u1ec7n r\u00e0 so\u00e1t l\u1ea1i, ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, trong \u0111\u00f3, \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 nh\u00e2n vi\u00ean tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh. \u0110\u1ed3ng th\u1eddi, c\u00e1c doanh nghi\u1ec7p c\u0169ng ki\u1ec3m tra, gi\u00e1m s\u00e1t vi\u1ec7c th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, \u0111\u00e1nh gi\u00e1 ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n, gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m\u2026<\/p>\n<h6><\/h6>\n<p>Ng\u00e0y 1\/7 v\u1eeba qua, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 46\/2023\/N\u0110-CP quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m. \u0110\u00e2y \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 s\u1ef1 k\u1ecbp th\u1eddi v\u1ec1 ch\u00ednh s\u00e1ch \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng ch\u1ea5t l\u01b0\u1ee3ng h\u01a1n, \u0111\u1ed3ng th\u1eddi c\u0169ng gi\u00fap c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 ch\u1ebf t\u00e0i x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m. \u0110\u1eb7c bi\u1ec7t, Ngh\u1ecb \u0111\u1ecbnh n\u00e0y \u0111\u00e3 b\u1ed5 sung nhi\u1ec1u \u0111i\u1ec1u ki\u1ec7n v\u1edbi \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, nh\u01b0 ph\u1ea3i th\u00e0nh l\u1eadp b\u1ed9 ph\u1eadn chuy\u00ean tr\u00e1ch \u0111\u1ec3 th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u ph\u1ea3i c\u00f3 kinh nghi\u1ec7m t\u1ed1i thi\u1ec3u 3 n\u0103m l\u00e0m vi\u1ec7c, c\u00f3 h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin ph\u00f9 h\u1ee3p, c\u00f3 quy tr\u00ecnh gi\u00e1m s\u00e1t v\u00e0 ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng\u2026<\/p>\n<h5><strong>H\u01b0\u01a1ng<\/strong> <strong>D\u1ecbu<\/strong><\/h5>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>H\u1ea3i<\/em><\/strong> <strong><em>quan<\/em><\/strong> <strong><em>(Doanh<\/em><\/strong> <strong><em>nghi\u1ec7p \u2013 Doanh nh\u00e2n<\/em><\/strong><strong><em>) ng\u00e0y <\/em><\/strong><strong><em>09-7<\/em><\/strong><strong><em>-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/haiquanonline.com.vn\/vuot-khung-hoang-doanh-nghiep-bao-hiem-phai-tang-chat-176095-176095.html\">https:\/\/haiquanonline.com.vn\/vuot-khung-hoang-doanh-nghiep-bao-hiem-phai-tang-chat-176095-176095.html<\/a> <\/em><\/p>\n<p><em>(<\/em><em>164\/1.195<\/em><em>) #BHNT #bancassurance<\/em>","protected":false},"excerpt":{"rendered":"<p>V\u01b0\u1ee3t kh\u1ee7ng ho\u1ea3ng, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i t\u0103ng &#8220;ch\u1ea5t&#8221; (HQ) &#8211; V\u1edbi s\u1ef1 v\u00e0o cu\u1ed9c c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd v\u1ec1 b\u1ea3o hi\u1ec3m, nhi\u1ec1u sai ph\u1ea1m c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c \u201c\u0111i\u1ec3m m\u1eb7t, ch\u1ec9 t\u00ean\u201d v\u00e0 c\u00f4ng khai \u0111\u1ea7y \u0111\u1ee7. \u0110\u00e2y c\u0169ng ch\u00ednh l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p b\u1ea3o [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":37364,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[51,34,36],"class_list":["post-37363","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-doanh-nghiep","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>3.531. 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