{"id":37366,"date":"2023-07-10T06:48:31","date_gmt":"2023-07-09T23:48:31","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37366"},"modified":"2024-11-22T16:12:46","modified_gmt":"2024-11-22T09:12:46","slug":"4-082-chan-chinh-ban-bao-hiem-qua-ngan-hang-dung-nam-nguoi-khong-co-toc","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-082-chan-chinh-ban-bao-hiem-qua-ngan-hang-dung-nam-nguoi-khong-co-toc\/","title":{"rendered":"4.082. Ch\u1ea5n ch\u1ec9nh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng: \u0110\u1eebng n\u1eafm… ng\u01b0\u1eddi \u201ckh\u00f4ng c\u00f3 t\u00f3c\u201d"},"content":{"rendered":"

Ch\u1ea5n ch\u1ec9nh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng: \u0110\u1eebng n\u1eafm… ng\u01b0\u1eddi \u201ckh\u00f4ng c\u00f3 t\u00f3c\u201d<\/span><\/h4>\n
(VOV GT) – <\/strong>K\u1ebft qu\u1ea3 c\u00f4ng t\u00e1c thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh cho th\u1ea5y, vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua 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.<\/strong><\/h5>\n

\u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng h\u00e0ng ngh\u00ecn h\u1ee3p \u0111\u1ed3ng b\u1ecb h\u1ee7y b\u1ecf sau n\u0103m \u0111\u1ea7u ti\u00ean, g\u00e2y thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng. Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c b\u00ean li\u00ean quan c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 c\u1ea3i thi\u1ec7n t\u00ecnh tr\u1ea1ng n\u00e0y?<\/p>\n

M\u1ed7i l\u1ea7n ra ng\u00e2n h\u00e0ng g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m, ch\u1ecb Ho\u00e0ng Thu Mai (\u1edf qu\u1eadn Thanh Xu\u00e2n, H\u00e0 N\u1ed9i) \u0111\u1ec1u \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng m\u1eddi ch\u00e0o chuy\u1ec3n sang g\u1eedi ti\u1ebft ki\u1ec7m qua h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m. D\u00f9 \u0111\u00e3 t\u1eeb ch\u1ed1i h\u00ecnh th\u1ee9c g\u1eedi ti\u1ec1n n\u00e0y, tuy nhi\u00ean ch\u1ecb Mai c\u0169ng ch\u1ee9ng ki\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng t\u00ecm hi\u1ec3u k\u0129 \u0111\u00e3 b\u1ecb mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u1ed9t c\u00e1ch b\u1ea5t \u0111\u1eafc d\u0129:<\/p>\n

“Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u00e1ng l\u1ebd ra ph\u1ea3i t\u01b0 v\u1ea5n r\u1ea5t k\u0129 cho kh\u00e1ch nh\u01b0ng nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u1ea1i \u0111\u00e1nh v\u00e0o t\u00e2m l\u00fd kh\u00e1ch h\u00e0ng, g\u1eedi c\u00e1i n\u00e0y l\u00e3i su\u1ea5t s\u1ebd cao h\u01a1n. N\u1ebfu g\u1eedi 1 n\u0103m th\u00ec l\u00e3i su\u1ea5t s\u1ebd t\u0103ng bao nhi\u00eau %, nhi\u1ec1u kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u1ed3ng \u00fd lu\u00f4n”.<\/em><\/p>\n

Anh Xu\u00e2n H\u00e0o, \u1edf Ho\u00e0n Ki\u1ebfm, H\u00e0 N\u1ed9i \u0111ang s\u1edf h\u1eefu 3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c mua t\u1eeb nh\u1eefng ng\u01b0\u1eddi quen bi\u1ebft. Do kh\u00f4ng t\u00ecm hi\u1ec3u v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n k\u0129 n\u00ean anh H\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea5t c\u1ee9 ch\u1ebf \u0111\u1ed9 b\u1ea3o hi\u1ec3m n\u00e0o trong th\u1eddi gian anh v\u00e0 gia \u0111\u00ecnh ra n\u01b0\u1edbc ngo\u00e0i l\u00e0m vi\u1ec7c:<\/p>\n

“M\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng l\u1ee3i d\u1ee5ng kh\u00e1ch quen c\u00f3 t\u00ecnh tr\u1ea1ng ch\u00e8o k\u00e9o \u0111\u1ec3 ch\u1ea1y doanh s\u1ed1. C\u00e1c b\u1ea1n \u00fd s\u1ebd t\u01b0 v\u1ea5n m\u1ed9t s\u1ed1 \u0111i\u1ec3m n\u1ed5i b\u1eadt trong \u0111\u00f3 c\u00f3 kho\u1ea3n \u0111\u1ea7u t\u01b0, kho\u1ea3n sinh l\u1eddi v\u00e0 kho\u1ea3n b\u1ea3o hi\u1ec3m, nh\u01b0ng th\u1ef1c s\u1ef1 m\u00e0 n\u00f3i c\u0169ng do l\u1ed7i c\u1ee7a m\u00ecnh”.<\/em><\/p>\n

\"Ch\u1ea5n<\/p>\n

Do kh\u00f4ng t\u00ecm hi\u1ec3u v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n k\u0129 n\u00ean nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea5t c\u1ee9 ch\u1ebf \u0111\u1ed9 b\u1ea3o hi\u1ec3m n\u00e0o (\u1ea2nh: KT)<\/strong><\/h5>\n

PGS \u0110inh Tr\u1ecdng Th\u1ecbnh, H\u1ecdc vi\u1ec7n T\u00e0i ch\u00ednh cho r\u1eb1ng, k\u1ebft qu\u1ea3 thanh tra v\u1edbi nhi\u1ec1u sai ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m qua h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ch\u1ee9ng t\u1ecf ho\u1ea1t \u0111\u1ed9ng m\u00f4i gi\u1edbi, t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u01b0a \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd \u0111\u00fang theo c\u00e1c quy \u0111\u1ecbnh, quy tr\u00ecnh v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a \u0111\u1ea1i l\u00fd v\u1edbi kh\u00e1ch h\u00e0ng:<\/p>\n

“T\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00f3i ri\u00eang v\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb li\u00ean k\u1ebft trong ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00f3i chung \u0111ang t\u1ea1o ra nh\u1eefng s\u01a1 su\u1ea5t trong qu\u00e1 tr\u00ecnh ti\u1ebfp c\u1eadn v\u00e0 g\u00e2y \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd”.<\/em><\/p>\n

\u0110\u1ec3 kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng n\u00e0y, m\u1ed9t s\u1ed1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u00e3 \u0111\u1ea9y m\u1ea1nh nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng nh\u1eb1m n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ed9i ng\u0169 t\u01b0 v\u1ea5n vi\u00ean, c\u0169ng nh\u01b0 cung c\u1ea5p th\u00f4ng tin cho kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3.<\/p>\n

\u00d4ng T\u00f4n Th\u1ea5t Anh V\u0169, \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt c\u1ee7a Manulife Vi\u1ec7t Nam cho hay, \u0111\u01b0\u01a1n v\u1ecb \u0111\u00e3 x\u00e2y d\u1ef1ng th\u00eam nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh ki\u1ec3m tra n\u1ed9i b\u1ed9 nh\u1eb1m \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n, m\u1ee5c \u0111\u00edch cu\u1ed1i c\u00f9ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng mua \u0111\u00fang s\u1ea3n ph\u1ea9m h\u1ecd c\u1ea7n:<\/p>\n

“M\u1ee5c \u0111\u00edch cu\u1ed1i c\u00f9ng l\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo \u0111\u00fang kh\u00e1ch h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng hi\u1ec3u r\u00f5 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. T\u1edbi \u0111\u00e2y ch\u00fang t\u00f4i s\u1ebd c\u00f3 b\u1ea3n t\u00f3m t\u1eaft th\u00f4ng tin quan tr\u1ecdng v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 d\u1ec5 \u0111\u1ecdc v\u00e0 d\u1ec5 hi\u1ec3u h\u01a1n”.<\/em><\/p>\n

T\u0103ng c\u01b0\u1eddng k\u1ebft n\u1ed1i kh\u00e1ch h\u00e0ng, minh b\u1ea1ch th\u00f4ng tin c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng bi\u1ec7n ph\u00e1p tr\u1ecdng t\u00e2m \u0111\u01b0\u1ee3c K\u00eanh B\u1ea3o Hi\u1ec3m S\u1ed1 (FWD Vi\u1ec7t Nam) th\u1ef1c hi\u1ec7n th\u1eddi gian t\u1edbi. \u00d4ng \u0110\u1eadu Ti\u1ebfn D\u0169ng, Ph\u00f3 t\u1ed5ng Gi\u00e1m \u0111\u1ed1c Chi\u1ebfn l\u01b0\u1ee3c FWD Vi\u1ec7t Nam cho bi\u1ebft:<\/p>\n

“Vi\u1ec7c r\u00e0 so\u00e1t, ki\u1ec3m tra ch\u1ea5t l\u01b0\u1ee3ng ch\u1eb7t ch\u1ebd ngay t\u1eeb \u0111\u1ea7u c\u0169ng l\u00e0 c\u00e1ch doanh nghi\u1ec7p b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n l\u00e2u d\u00e0i. C\u00e0ng minh b\u1ea1ch, r\u00f5 r\u00e0ng c\u00e0ng \u00edt x\u1ea3y ra nh\u1eefng r\u1ee7i ro v\u00e0 tranh ch\u1ea5p sau n\u00e0y”.<\/em><\/p>\n

Kh\u00f4ng ch\u1ec9 t\u01b0 v\u1ea5n vi\u00ean, \u0111\u1ea1i l\u00fd, m\u00e0 c\u1ea3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i minh b\u1ea1ch h\u01a1n trong vi\u1ec7c cung c\u1ea5p th\u00f4ng tin cho kh\u00e1ch h\u00e0ng:<\/strong><\/h5>\n

\u00d4ng Ng\u00f4 Trung D\u0169ng, Ph\u00f3 T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i b\u1ea3o hi\u1ec3m VN c\u0169ng cho bi\u1ebft, th\u1eddi gian qua, c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0a ra nhi\u1ec1u gi\u1ea3i ph\u00e1p quy\u1ebft li\u1ec7t \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u00ecnh tr\u1ea1ng t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, t\u1eeb vi\u1ec7c \u0111\u1ea3m b\u1ea3o 100% cu\u1ed9c g\u1ecdi ch\u00e0o m\u1eebng kh\u00e1ch h\u00e0ng trong th\u1eddi gian 21 ng\u00e0y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n \u0111\u00fang, \u0111\u1ee7; \u0111\u1ebfn vi\u1ec7c \u0111\u1ea9y m\u1ea1nh h\u00ecnh th\u1ee9c kh\u1ea3o s\u00e1t ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng b\u00e1n h\u00e0ng.<\/p>\n

Tuy v\u1eady, \u00f4ng D\u0169ng cho r\u1eb1ng, v\u1eabn c\u1ea7n c\u00f3 s\u1ef1 r\u00e0ng bu\u1ed9c ch\u1eb7t ch\u1ebd h\u01a1n t\u1eeb ph\u00eda doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng:<\/p>\n

“Gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0a ra t\u1ef7 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1eeb n\u0103m th\u1ee9 2 v\u00e0 coi nh\u01b0 l\u00e0 m\u1ed9t d\u1eef li\u1ec7u b\u1eaft bu\u1ed9c \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m. Doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng c\u0169ng c\u1ea7n th\u00e0nh l\u1eadp \u1ee7y ban chung \u0111\u1ec3 qu\u1ea3n l\u00fd ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 c\u00f3 nh\u1eefng bi\u1ec7n ph\u00e1p x\u1eed ph\u1ea1t nghi\u00eam minh, k\u1ecbp th\u1eddi \u0111\u1ed1i v\u1edbi nh\u1eefng \u0111\u1ea1i l\u00fd, c\u00e1 nh\u00e2n khi ph\u00e1t hi\u1ec7n nh\u1eefng sai ph\u1ea1m”.<\/em><\/p>\n

Theo 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>, nguy\u00ean nh\u00e2n d\u1eabn t\u1edbi s\u1ef1 b\u1ee9c x\u00fac c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, th\u1eadm ch\u00ed h\u1ee7y h\u1ee3p \u0111\u1ed3ng m\u1ed9t ph\u1ea7n do ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n vi\u00ean v\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m; t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng ch\u01b0a hi\u1ec3u r\u00f5 v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

B\u1edfi v\u1eady, Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0cho r\u1eb1ng, kh\u00f4ng ch\u1ec9 t\u01b0 v\u1ea5n vi\u00ean, \u0111\u1ea1i l\u00fd, m\u00e0 c\u1ea3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i minh b\u1ea1ch h\u01a1n trong vi\u1ec7c cung c\u1ea5p th\u00f4ng tin cho kh\u00e1ch h\u00e0ng:<\/em><\/p>\n

“\u0110\u1ea7u ti\u00ean l\u00e0 \u00f4ng ph\u1ea3i l\u00e0m l\u1ea1i m\u1eabu bi\u1ec3u, v\u00ed d\u1ee5 nh\u01b0 Pru ch\u1eb3ng h\u1ea1n, v\u1eeba r\u1ed3i l\u00e0m l\u1ea1i h\u1ee3p \u0111\u1ed3ng ch\u1ec9 c\u00f2n 8-9 trang, kh\u00e1c h\u1eb3n v\u00e0i ch\u1ee5c trang tr\u01b0\u1edbc kia, v\u00e0 t\u01b0 v\u1ea5n ph\u1ea3i \u0111\u1ea7y \u0111\u1ee7, b\u00e0i b\u1ea3n, r\u00f5 h\u01a1n. Th\u1ee9 2 l\u00e0 th\u00e1i \u0111\u1ed9 \u1ee9ng x\u1eed v\u1edbi kh\u00e1ch h\u00e0ng, \u00f4ng ph\u1ea3i th\u1ef1c s\u1ef1 v\u00ec l\u1ee3i \u00edch, v\u00ec quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 v\u00ec \u00f4ng”.<\/em><\/p>\n

\u00d4ng Phan \u0110\u1ee9c Hi\u1ebfu, \u1ee6y vi\u00ean Th\u01b0\u1eddng tr\u1ef1c \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i cho r\u1eb1ng, m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp \u0111ang n\u1ed5i l\u00ean trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u1eadn di\u1ec7n v\u00e0 gia c\u1ed1 t\u1ea1i Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m s\u1eeda \u0111\u1ed5i n\u0103m 2022, trong \u0111\u00f3 quy \u0111\u1ecbnh r\u00f5 quy\u1ec1n, tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean b\u00e1n b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f3 c\u1ea3 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. Th\u1eadm ch\u00ed, b\u00ean b\u00e1n b\u1ea3o hi\u1ec3m c\u00f2n ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd n\u1ebfu vi ph\u1ea1m:<\/p>\n

“V\u1ea5n \u0111\u1ec1 \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u1eadn di\u1ec7n, Lu\u1eadt c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c gia c\u1ed1. Nh\u01b0 v\u1eady, \u0111\u1ec3 x\u1eed l\u00fd th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi nh\u1eefng vi ph\u1ea1m \u0111\u00e3 x\u1ea3y ra th\u00ec c\u00f4ng t\u00e1c th\u1ef1c thi hi\u1ec7n nay r\u1ea5t quan tr\u1ecdng. N\u1ebfu c\u1ea3i thi\u1ec7n \u0111\u01b0\u1ee3c c\u00f4ng t\u00e1c gi\u00e1m s\u00e1t, l\u00e0m sao gi\u00e1m s\u00e1t m\u1ed9t c\u00e1ch c\u00f3 hi\u1ec7u qu\u1ea3, ph\u00e1t hi\u1ec7n m\u1ed9t c\u00e1ch k\u1ecbp th\u1eddi, x\u1eed l\u00fd m\u1ed9t c\u00e1ch nghi\u00eam th\u00ec s\u1ebd ch\u1ea5n ch\u1ec9nh \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng n\u00e0y”.<\/em><\/p>\n

\u0110\u1ec3 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch l\u00e0nh m\u1ea1nh v\u00e0 b\u1ec1n v\u1eefng, c\u1ea7n tri\u1ec7t ti\u00eau nh\u1eefng kh\u1ea3 n\u0103ng g\u00e2y tranh c\u00e3i kh\u00f4ng \u0111\u00e1ng c\u00f3 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng.(\u1ea2nh: IT)<\/strong><\/h5>\n

Kh\u00f4ng th\u1ec3 ph\u1ee7 nh\u1eadn tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00e1c \u0111\u1ecba l\u00fd, t\u01b0 v\u1ea5n vi\u00ean ng\u00e2n h\u00e0ng trong vi\u1ec7c cung c\u1ea5p th\u00f4ng tin kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn nh\u1eefng b\u1ee9c x\u00fac c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u1eddi gian qua.<\/p>\n

Tr\u00e1ch nhi\u1ec7m tr\u01b0\u1edbc c\u00e1c b\u1ea5t c\u1eadp n\u00e0y kh\u00f4ng ch\u1ec9 t\u1eeb c\u00e1c t\u01b0 v\u1ea5n vi\u00ean, \u0111\u1ea1i l\u00fd, m\u00e0 c\u1ea3 b\u1ea3n th\u00e2n c\u00e1c doanh nghi\u1ec7p kinh doanh b\u1ea3o hi\u1ec3m \u0111\u1ec3 l\u00e0nh m\u1ea1nh h\u00f3a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m.<\/p>\n

G\u00f3c nh\u00ecn n\u00e0y c\u1ee7a VOV Giao th\u00f4ng:\u00a0\u0110\u1eebng \u0111\u1ec3 v\u0103n minh b\u1ecb gi\u1ebft ch\u1ebft b\u1edfi b\u1edfi s\u1ef1 tranh c\u00e3i<\/em><\/strong><\/h5>\n

Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf Vi\u1ec7t Nam ch\u1ec9 th\u1ef1c s\u1ef1 b\u1eaft \u0111\u1ea7u v\u00e0o cu\u1ed1i th\u1eadp ni\u00ean 90 c\u1ee7a th\u1ebf k\u1ef7 tr\u01b0\u1edbc, t\u1ee9c l\u00e0 ch\u01b0a \u0111\u1ebfn 30 n\u0103m. D\u00f9 ch\u01b0a \u0111\u01b0\u1ee3c nghi\u00ean c\u1ee9u m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3 v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00e0y \u0111\u1ed1i v\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t, nh\u01b0ng \u1edf m\u1ed9t ch\u1eebng m\u1ef1c n\u00e0o \u0111\u00f3 n\u00f3 c\u0169ng \u0111\u00e3 t\u1ea1o n\u00ean nh\u1eefng nh\u1eadn th\u1ee9c m\u1edbi trong c\u00e1ch m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi Vi\u1ec7t ho\u1ea1ch \u0111\u1ecbnh t\u01b0\u01a1ng lai, theo c\u00e1ch v\u0103n minh h\u01a1n.<\/p>\n

N\u1ebfu nh\u01b0 tr\u01b0\u1edbc kia, h\u1ea7u h\u1ebft ng\u01b0\u1eddi Vi\u1ec7t ngh\u0129 r\u1eb1ng con c\u00e1i l\u00e0 c\u1ee7a \u0111\u1ec3 d\u00e0nh, hay n\u00f3i m\u1ed9t c\u00e1ch kh\u00e1c, con c\u00e1i l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh \u0111\u1ec3 b\u1ea3o hi\u1ec3m cho tu\u1ed5i gi\u00e0, th\u00ec c\u00f3 m\u1ed9t s\u1ed1 ng\u01b0\u1eddi, nay \u0111\u00e3 d\u00f9ng b\u1ea3o hi\u1ec3m l\u00e0 c\u1ee7a \u0111\u1ec3 d\u00e0nh. \u00c1p l\u1ef1c t\u1eeb s\u1ef1 k\u1ef3 v\u1ecdng c\u1ee7a cha m\u1eb9 \u0111\u1ed1i v\u1edbi con c\u00e1i, nh\u1edd \u0111\u00f3 m\u00e0 gi\u1ea3m \u0111i, gi\u00fap th\u1ebf h\u1ec7 tr\u1ebb t\u1ef1 do h\u01a1n.<\/p>\n

V\u00e0, \u00edt nhi\u1ec1u, th\u00f3i quen mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u0169ng l\u00e0 m\u1ed9t ch\u1ec9 d\u1ea5u v\u1ec1 l\u1ed1i s\u1ed1ng v\u0103n minh c\u1ee7a c\u1ed9ng \u0111\u1ed3ng trong m\u1ed9t th\u1eddi gian d\u00e0i, b\u1eb1ng ch\u1ee9ng l\u00e0 s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd trong su\u1ed1t 2 th\u1eadp k\u1ef7 \u0111\u1ea7u c\u1ee7a th\u1ebf k\u1ef7 21 \u1edf Vi\u1ec7t Nam.<\/p>\n

Tuy nhi\u00ean, m\u1ecdi th\u1ee9 \u0111ang x\u1ea5u \u0111i, nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 quay l\u01b0ng v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi nhi\u1ec1u v\u1ee5 vi\u1ec7c phi\u1ec1n to\u00e1i x\u1ea3y ra, li\u00ean quan \u0111\u1ebfn c\u00e1ch hi\u1ec3u v\u1ec1 h\u1ee3p \u0111\u1ed3ng, c\u0169ng nh\u01b0 vi\u1ec7c l\u1ea1m d\u1ee5ng li\u00ean k\u1ebft v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c.<\/p>\n

\u0110\u00f3 l\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c thay v\u00ec \u0111\u1ea7u t\u01b0 ph\u1ed5 bi\u1ebfn ki\u1ebfn th\u1ee9c, kinh nghi\u1ec7m \u0111\u1ea7u t\u01b0 nh\u1eb1m thu h\u00fat ng\u01b0\u1eddi d\u00e2n th\u1ef1c s\u1ef1 c\u00f3 kh\u1ea3 n\u0103ng v\u00e0 nhu c\u1ea7u th\u00ec c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1ea1i lao v\u00e0o cu\u1ed9c \u0111ua ph\u00e1t tri\u1ec3n n\u00f3ng b\u1eb1ng c\u00e1ch ch\u1ec9 t\u1eadp trung l\u00e0m m\u1ecdi c\u00e1ch \u0111\u1ec3 c\u00f3 nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng.<\/p>\n

D\u00f9 \u0111\u00f3 l\u00e0 khi\u1ebfn ng\u01b0\u1eddi d\u00e2n d\u1ec5 hi\u1ec3u sai v\u1ec1 quy\u1ec1n l\u1ee3i v\u00e0 tr\u00e1ch nhi\u1ec7m tham gia b\u1ea3o hi\u1ec3m, ho\u1eb7c d\u00f9ng s\u1ee9c \u00e9p t\u1eeb nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng.<\/p>\n

\u0110\u00e2y l\u00e0 l\u1ed7i c\u1ee7a kh\u00f4ng ch\u1ec9 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, m\u00e0 c\u00f2n c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc.<\/p>\n

L\u1ed7i c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m l\u00e0 ch\u1ec9 t\u1eadp trung ch\u1ea1y theo doanh s\u1ed1 m\u00e0 xem nh\u1eb9 vi\u1ec7c ti\u1ebfp c\u1eadn t\u1eeb l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

L\u1ed7i c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc l\u00e0 ch\u1ea5p nh\u1eadn nh\u1eefng h\u1ee3p \u0111\u1ed3ng m\u1eabu c\u00f3 kh\u1ea3 n\u0103ng cao d\u1eabn \u0111\u1ebfn s\u1ef1 hi\u1ec3u l\u1ea7m c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n

V\u00ec th\u1ebf, \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch l\u00e0nh m\u1ea1nh v\u00e0 b\u1ec1n v\u1eefng, c\u1ea7n tri\u1ec7t ti\u00eau nh\u1eefng kh\u1ea3 n\u0103ng g\u00e2y tranh c\u00e3i kh\u00f4ng \u0111\u00e1ng c\u00f3 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng.<\/p>\n

V\u1ec1 ph\u00eda c\u00e1c doanh nghi\u00eap. N\u00ean c\u01a1 c\u1ea5u l\u1ea1i ng\u00e2n s\u00e1ch cho ho\u1ea1t \u0111\u1ed9ng thu h\u1ed9, qu\u1ea3ng c\u00e1o \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o vi\u1ec7c gi\u00e1o d\u1ee5c th\u1ecb tr\u01b0\u1eddng, ph\u1ed5 bi\u1ebfn ki\u1ebfn th\u1ee9c v\u00e0 v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho ng\u01b0\u1eddi d\u00e2n m\u1ed9t c\u00e1ch nghi\u00eam t\u00fac.<\/p>\n

V\u1ec1 ph\u00eda c\u01a1 quan qu\u1ea3n l\u00fd. N\u00ean ng\u1ed3i l\u1ea1i v\u1edbi c\u00e1ch doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, x\u00e2y d\u1ef1ng m\u1eabu h\u1ee3p \u0111\u1ed3ng \u0111\u1ea3m b\u1ea3o ph\u00f9 h\u1ee3p v\u1edbi nh\u1eadn th\u1ee9c c\u1ee7a c\u1ed9ng \u0111\u1ed3ng, \u0111\u1ea3m b\u1ea3o b\u1ea5t c\u1ee9 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00e0o c\u0169ng kh\u00f4ng hi\u1ec3u sai v\u1ec1 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh khi tham gia.<\/p>\n

T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, c\u00f3 th\u1ec3 v\u00ec th\u1ebf m\u00e0 ch\u1eadm l\u1ea1i. Nh\u01b0ng n\u1ebfu kh\u00f4ng thay \u0111\u1ed5i ph\u01b0\u01a1ng th\u1ee9c ti\u1ebfp c\u1eadn theo h\u01b0\u1edbng minh b\u1ea1ch, l\u1ea5y l\u1ee3i \u00edch c\u1ee7a c\u1ed9ng \u0111\u1ed3ng l\u00e0m trung t\u00e2m, th\u00ec b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, v\u00e0 c\u00e1c gi\u00e1 tr\u1ecb v\u0103n minh m\u00e0 n\u00f3 \u0111em l\u1ea1i, s\u1ebd ph\u1ea3i ch\u1ecbu r\u1ea5t nhi\u1ec1u h\u1ec7 l\u1ee5y b\u1edfi nh\u1eefng v\u1ee5 b\u00ea b\u1ed1i kh\u00f4ng \u0111\u00e1ng c\u00f3..<\/p>\n

Trung Tuy\u1ebfn – Qu\u00e1ch \u0110\u1ed3ng – H\u1ea3i H\u00e0<\/strong><\/h5>\n

—————<\/p>\n

VOV<\/em><\/strong> Giao th\u00f4ng <\/em><\/strong>(V\u1ea5n<\/em><\/strong> \u0111\u1ec1<\/em><\/strong>) ng\u00e0y <\/em><\/strong>10-7<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/vovgiaothong.vn\/newsaudio\/chan-chinh-ban-bao-hiem-qua-ngan-hang-dung-nam-nguoi-khong-co-toc-d34309.html<\/a> <\/em><\/p>\n

(<\/em>164\/2.038<\/em>) #Bancassurance<\/em>","protected":false},"excerpt":{"rendered":"

Ch\u1ea5n ch\u1ec9nh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng: \u0110\u1eebng n\u1eafm… ng\u01b0\u1eddi \u201ckh\u00f4ng c\u00f3 t\u00f3c\u201d (VOV GT) – K\u1ebft qu\u1ea3 c\u00f4ng t\u00e1c thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh cho th\u1ea5y, vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua 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","protected":false},"author":1,"featured_media":37367,"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-37366","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":"\n4.082. Ch\u1ea5n ch\u1ec9nh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng: \u0110\u1eebng n\u1eafm... ng\u01b0\u1eddi \u201ckh\u00f4ng c\u00f3 t\u00f3c\u201d - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Ch\u1ea5n ch\u1ec9nh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng | Theo B\u1ed9 T\u00e0i ch\u00ednh vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng c\u00f2n nhi\u1ec1u sai ph\u1ea1m, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00e2u t\u01b0 v\u1ea5n...\" \/>\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\/vi\/4-082-chan-chinh-ban-bao-hiem-qua-ngan-hang-dung-nam-nguoi-khong-co-toc\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.082. 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