{"id":37431,"date":"2023-07-18T19:11:13","date_gmt":"2023-07-18T12:11:13","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37431"},"modified":"2024-11-20T09:47:00","modified_gmt":"2024-11-20T02:47:00","slug":"3-538-loi-giai-nao-cho-bai-toan-ban-bao-hiem-qua-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-538-loi-giai-nao-cho-bai-toan-ban-bao-hiem-qua-ngan-hang\/","title":{"rendered":"3.538. L\u1eddi gi\u1ea3i n\u00e0o cho b\u00e0i to\u00e1n b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng?"},"content":{"rendered":"

L\u1eddi gi\u1ea3i n\u00e0o cho b\u00e0i to\u00e1n b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng?<\/span><\/h4>\n
(TN) – Tr\u01b0\u1edbc nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a h\u00ecnh th\u1ee9c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd qua k\u00eanh ng\u00e2n h\u00e0ng (bancass), nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng ngo\u00e0i r\u1ed1t r\u00e1o thanh ki\u1ec3m tra, x\u1eed l\u00fd vi ph\u1ea1m, c\u1ea7n t\u00ednh t\u1edbi c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t n\u1ebfu t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u1edf n\u0103m th\u1ee9 2 qu\u00e1 cao.<\/strong><\/h5>\n
Th\u1ea5y g\u00ec t\u1eeb t\u1ef7 l\u1ec7 h\u1ee7y?<\/strong><\/h5>\n

K\u1ebft lu\u1eadn thanh tra 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh c\u00f4ng b\u1ed1 v\u1eeba qua cho th\u1ea5y, t\u1ef7 l\u1ec7 kh\u00e1ch h\u00e0ng h\u1ee7y\u00a0h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\u00a0mua qua k\u00eanh ng\u00e2n h\u00e0ng ch\u1ec9 sau 1 n\u0103m tham gia kh\u00e1 cao, \u1edf m\u1ee9c 2 con s\u1ed1.<\/p>\n

\"b\u00e0i

Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u00f3 gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd h\u1eefu hi\u1ec7u \u0111\u1ec3 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng kh\u00f4ng b\u1ecb bi\u1ebfn t\u01b0\u1edbng (\u1ea3nh minh h\u1ecda) | NG\u1eccC TH\u1eaeNG<\/p><\/div>\n

T\u1eeb c\u00e2u chuy\u1ec7n thanh tra n\u00e0y, m\u1ed9t chuy\u00ean gia b\u1ea3o hi\u1ec3m l\u00e2u n\u0103m khi trao \u0111\u1ed5i v\u1edbi\u00a0Thanh Ni\u00ean<\/em>\u00a0nh\u1ea5n m\u1ea1nh: \u201c\u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 anh t\u01b0 v\u1ea5n ch\u01b0a t\u1ed1t ho\u1eb7c \u00e9p kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch th\u1ee9c g\u00ec \u0111\u00f3, kh\u00f4ng xu\u1ea5t ph\u00e1t t\u1eeb nhu c\u1ea7u th\u1ef1c s\u1ef1 c\u1ee7a kh\u00e1ch h\u00e0ng\u201d.<\/p>\n

\u0110\u1ea1i di\u1ec7n m\u1ed9t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u00e2n t\u00edch, tr\u00ean th\u1ebf gi\u1edbi, bancass \u0111\u00e3 c\u00f3 kho\u1ea3ng g\u1ea7n 40 n\u0103m h\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n, \u1edf Vi\u1ec7t Nam l\u00e0 kho\u1ea3ng tr\u00ean d\u01b0\u1edbi 10 n\u0103m. B\u00ean c\u1ea1nh nh\u1eefng ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n, s\u1ef1 non tr\u1ebb c\u1ee7a m\u00f4 h\u00ecnh bancass t\u1ea1i th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam c\u0169ng ti\u1ec1m t\u00e0ng b\u1ea5t c\u1eadp nh\u01b0 di\u1ec5n bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng th\u1eddi gian qua.<\/p>\n

G\u00f3c nh\u00ecn c\u00e1 nh\u00e2n, v\u1ecb n\u00e0y cho r\u1eb1ng nh\u1eefng b\u1ea5t c\u1eadp b\u1eaft ngu\u1ed3n t\u1eeb 3 nguy\u00ean nh\u00e2n ch\u00ednh: c\u00e1ch ph\u1ed1i h\u1ee3p gi\u1eefa ng\u00e2n h\u00e0ng – doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m trong tri\u1ec3n khai m\u00f4 h\u00ecnh; suy ngh\u0129 v\u00e0 th\u00f3i quen truy\u1ec1n th\u1ed1ng c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ea1o \u0111\u1ee9c c\u1ee7a t\u01b0 v\u1ea5n vi\u00ean.<\/p>\n

\u201c\u0110\u1ea1o \u0111\u1ee9c c\u1ee7a t\u01b0 v\u1ea5n vi\u00ean c\u00f3 vai tr\u00f2 v\u00f4 c\u00f9ng quan tr\u1ecdng. Kh\u00e1ch h\u00e0ng th\u01b0\u1eddng hi\u1ec3u r\u1eb1ng m\u00ecnh \u0111ang mua s\u1ea3n ph\u1ea9m ng\u00e2n h\u00e0ng v\u1edbi y\u1ebfu t\u1ed1 t\u00edch l\u0169y \u0111\u1ea7u t\u01b0. L\u1ee3i d\u1ee5ng \u0111i\u1ec1u n\u00e0y, r\u1ea5t nhi\u1ec1u t\u01b0 v\u1ea5n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u00e3 t\u01b0 v\u1ea5n theo h\u01b0\u1edbng \u0111\u00f3 v\u00e0 b\u1ecf qua y\u1ebfu t\u1ed1 b\u1ea3o v\u1ec7, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t v\u00e0 t\u1ea1o n\u00ean gi\u00e1 tr\u1ecb c\u1ee7a s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Ch\u00ednh v\u1ea5n \u0111\u1ec1 n\u00e0y khi\u1ebfn kh\u00e1ch h\u00e0ng m\u1ea5t r\u1ea5t nhi\u1ec1u l\u00f2ng tin v\u00e0o m\u00f4 h\u00ecnh bancass\u201d, v\u1ecb n\u00e0y n\u00f3i.<\/p>\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>, ch\u1ec9 ra nguy\u00ean nh\u00e2n c\u1ee5 th\u1ec3 nh\u1eefng l\u00f9m x\u00f9m li\u00ean quan t\u1edbi m\u00f4 h\u00ecnh bancass th\u1eddi gian qua: \u0111\u00f3 l\u00e0 do ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n c\u1ee7a m\u1ed9t s\u1ed1 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m ch\u01b0a t\u1ed1t khi kh\u00f4ng hi\u1ec3u r\u00f5 s\u1ea3n ph\u1ea9m. Ho\u1eb7c v\u00ec m\u1ed9t v\u00e0i l\u1ee3i \u00edch ri\u00eang m\u00e0 m\u1ed9t s\u1ed1 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m ch\u1ec9 nh\u1ea5n m\u1ea1nh \u0111\u1ebfn quy\u1ec1n l\u1ee3i, qua loa v\u1ec1 ngh\u0129a v\u1ee5, th\u1eadm ch\u00ed b\u1ecf qua.<\/em><\/p>\n

S\u1ea3n ph\u1ea9m kh\u00f4ng c\u00f3 l\u1ed7i, c\u1ea7n x\u1eed l\u00fd nghi\u00eam vi ph\u1ea1m<\/h5>\n

B\u1ea5t c\u1eadp n\u1ea3y sinh, c\u00f3 n\u00ean c\u1ea5m m\u00f4 h\u00ecnh bancass t\u1ea1i Vi\u1ec7t Nam? Tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi n\u00e0y c\u1ee7a\u00a0Thanh Ni\u00ean<\/em>, lu\u1eadt s\u01b0 H\u00e0 Huy Phong (\u0110o\u00e0n Lu\u1eadt s\u01b0 TP.H\u00e0 N\u1ed9i), Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh C\u00f4ng ty Lu\u1eadt TNHH Inteco, b\u00e0y t\u1ecf quan \u0111i\u1ec3m c\u1ea5m l\u00e0 \u0111i\u1ec1u kh\u00f4ng c\u1ea7n thi\u1ebft, kh\u00f4ng ph\u00f9 h\u1ee3p.<\/p>\n

Nh\u1ea5n m\u1ea1nh\u00a0<\/strong>c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 kh\u00f4ng c\u00f3 l\u1ed7i v\u00e0 vi\u1ec7c b\u00e1n ch\u00e9o \u0111\u00f3 ho\u00e0n to\u00e0n l\u00e0 m\u1ed9t nhu c\u1ea7u, th\u00e0nh t\u1ef1u c\u1ee7a n\u1ec1n kinh t\u1ebf th\u1ecb tr\u01b0\u1eddng, \u00f4ng Phong ph\u00e2n t\u00edch nh\u1eefng s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u00f2i h\u1ecfi c\u1ea3 b\u00ean mua, b\u00ean m\u00f4i gi\u1edbi v\u00e0 b\u00ean b\u00e1n ph\u1ea3i \u0111\u1ea1t t\u1edbi m\u1ed9t tr\u00ecnh \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh; c\u00f3 ki\u1ebfn th\u1ee9c, kinh nghi\u1ec7m trong c\u1ea3 l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea7u t\u01b0. S\u1ef1 can thi\u1ec7p c\u1ee7a Nh\u00e0 n\u01b0\u1edbc th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd l\u00e0 h\u1ebft s\u1ee9c c\u1ea7n thi\u1ebft.<\/p>\n

\u201cTr\u01b0\u1edbc m\u1eaft, c\u1ea7n ph\u1ea3i x\u1eed l\u00fd nghi\u00eam c\u00e1c \u0111\u01a1n v\u1ecb c\u00f3 h\u00e0nh vi vi ph\u1ea1m.\u00a0<\/em>B\u00ean c\u1ea1nh \u0111\u00f3,\u00a0<\/em>Nh\u00e0 n\u01b0\u1edbc c\u1ea7n c\u00f3 gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd h\u1eefu hi\u1ec7u \u0111\u1ec3 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, c\u00e1c ho\u1ea1t \u0111\u1ed9ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng kh\u00f4ng b\u1ecb bi\u1ebfn t\u01b0\u1edbng\u201d, \u00f4ng Phong n\u00f3i.<\/p>\n

Chia s\u1ebb v\u1edbi\u00a0Thanh Ni\u00ean,<\/em>\u00a0m\u1ed9t chuy\u00ean gia l\u00e2u n\u0103m trong ng\u00e0nh b\u1ea3o hi\u1ec3m cho r\u1eb1ng, khi ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, r\u00f5 r\u00e0ng c\u00f3 kh\u00e2u th\u1ea9m \u0111\u1ecbnh g\u1ed3m th\u1ea9m \u0111\u1ecbnh v\u1ec1 r\u1ee7i ro v\u00e0 th\u1ea9m \u0111\u1ecbnh v\u1ec1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m. Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng tin t\u01b0\u1edfng v\u00e0o h\u1ed3 s\u01a1 m\u00e0 ph\u00eda ng\u00e2n h\u00e0ng g\u1eedi cho. Trong \u0111\u00f3 c\u00f3 gi\u1ea5y y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m, nh\u1eefng th\u00f4ng tin k\u00e8m theo m\u00e0 ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m k\u00ea khai v\u00e0o. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, nh\u1eefng n\u1ed9i dung \u0111\u00f3 l\u1ea1i l\u00e0 do ch\u00ednh nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n thay m\u1eb7t kh\u00e1ch l\u00e0m thay.<\/p>\n

\u201cDoanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0103n c\u1ee9 v\u00e0o nh\u1eefng c\u00e1i \u0111\u00f3 \u0111\u1ec3 ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng. Sau n\u00e0y x\u1ea3y ra chuy\u1ec7n r\u1ed3i, b\u00e1o ch\u00ed m\u1edbi \u0111\u0103ng tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi n\u00e0y, ng\u01b0\u1eddi kia v\u1ec1 h\u01b0u thu nh\u1eadp r\u1ea5t th\u1ea5p m\u00e0 sao v\u1eabn mua \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\u2026\u201d, v\u1ecb n\u00e0y n\u00f3i.<\/p>\n

Th\u00eam n\u1eefa, khi ph\u00e1t hi\u1ec7n sai ph\u1ea1m, c\u01a1 ch\u1ebf ph\u1ed1i h\u1ee3p \u0111\u1ec3 x\u1eed l\u00fd, k\u1ef7 lu\u1eadt nh\u00e2n vi\u00ean t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0m ch\u01b0a \u0111\u00fang quy tr\u00ecnh, t\u01b0 v\u1ea5n sai v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, doanh nghi\u1ec7p c\u0169ng r\u1ea5t kh\u00f3 th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch quy\u1ebft li\u1ec7t.<\/p>\n

C\u1ea7n c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t t\u1ef7 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u0103m th\u1ee9 2<\/h5>\n

B\u00ean c\u1ea1nh c\u00e1c gi\u1ea3i ph\u00e1p nh\u01b0 thanh ki\u1ec3m tra, x\u1eed l\u00fd r\u1ed1t r\u00e1o c\u00e1c sai ph\u1ea1m, \u0111\u1ec3 gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3 l\u00f9m x\u00f9m trong b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m, \u0111\u1ea1i di\u1ec7n Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam chia s\u1ebb, hi\u1ec7p h\u1ed9i \u0111\u00e3 nhi\u1ec1u l\u1ea7n \u0111\u1ec1 xu\u1ea5t n\u00ean c\u00f3 quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t t\u1ef7 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u0103m th\u1ee9 2.<\/p>\n

N\u1ebfu tr\u01b0\u1eddng h\u1ee3p t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00e1n qua ng\u00e2n h\u00e0ng \u1edf n\u0103m th\u1ee9 2 cao, Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 c\u00f3 c\u01a1 ch\u1ebf h\u1ea1n ch\u1ebf ng\u00e2n h\u00e0ng \u0111\u00f3 b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd; v\u00ed d\u1ee5 kh\u00f4ng cho t\u0103ng tr\u01b0\u1edfng b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u1eefa \u0111\u1ec3 ng\u00e2n h\u00e0ng quay l\u1ea1i s\u1eafp x\u1ebfp, gi\u1ea3i quy\u1ebft c\u00e1c b\u1ea5t c\u1eadp. Th\u1eadm ch\u00ed, n\u1ebfu trong 1 – 2 n\u0103m, ng\u00e2n h\u00e0ng v\u1eabn kh\u00f4ng kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c th\u00ec c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p m\u1ea1nh tay h\u01a1n nh\u01b0 t\u1ea1m d\u1eebng b\u00e1n, th\u1eadm ch\u00ed c\u1ea5m kh\u00f4ng cho ti\u1ebfp t\u1ee5c b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/p>\n

V\u1ec1 ph\u1ea7n doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, \u00f4ng Ng\u00f4 Trung D\u0169ng, Ph\u00f3 t\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, khuy\u1ebfn c\u00e1o: \u201cDoanh nghi\u1ec7p n\u00ean th\u1ea3o lu\u1eadn v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed1i t\u00e1c, r\u00e0 so\u00e1t, th\u1ed1ng nh\u1ea5t c\u00f9ng \u0111\u1ed1i t\u00e1c b\u1ed5 sung nh\u1eefng quy \u0111\u1ecbnh trong c\u00e1c th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c gi\u1eefa hai b\u00ean nh\u1eb1m t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m; quy \u0111\u1ecbnh c\u00e1c bi\u1ec7n ph\u00e1p ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t c\u00e1c c\u00e1 nh\u00e2n vi ph\u1ea1m v\u00e0 c\u00f3 bi\u1ec7n ph\u00e1p, c\u01a1 ch\u1ebf \u0111\u1ec3 th\u1ef1c hi\u1ec7n hi\u1ec7u qu\u1ea3 vi\u1ec7c ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd vi ph\u1ea1m\u201d.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ed1i t\u00e1c c\u0169ng n\u00ean th\u1ea3o lu\u1eadn vi\u1ec7c \u0111\u01b0a t\u1ef7 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u0103m th\u1ee9 2 v\u00e0o trong th\u1ecfa thu\u1eadn h\u1ee3p t\u00e1c nh\u01b0 l\u00e0 m\u1ed9t trong nh\u1eefng ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 ho\u1ea1t \u0111\u1ed9ng bancass.<\/p>\n

\u201cNgo\u00e0i ra, t\u00f4i cho r\u1eb1ng, doanh nghi\u1ec7p c\u1ea7n c\u00f3 h\u00e0nh \u0111\u1ed9ng x\u1eed l\u00fd m\u1ea1nh m\u1ebd h\u01a1n khi ph\u00e1t hi\u1ec7n c\u00e1c h\u00e0nh vi gian l\u1eadn, vi ph\u1ea1m c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c c\u00f3 li\u00ean quan, cung c\u1ea5p th\u00f4ng tin, t\u1ed1 gi\u00e1c t\u1edbi c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec3 t\u0103ng t\u00ednh r\u0103n \u0111e\u201d, \u00f4ng D\u0169ng n\u00f3i.<\/p>\n

\u0110an<\/strong> Thanh<\/strong><\/p>\n

————-<\/em><\/p>\n

Thanh<\/em><\/strong> ni\u00ean <\/em><\/strong>(Kinh<\/em><\/strong> t\u1ebf<\/em><\/strong>) ng\u00e0y <\/em><\/strong>18-7<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/loi-giai-nao-cho-bai-toan-ban-bao-hiem-qua-ngan-hang-185230717145753129.htm#<\/a> <\/em><\/p>\n

(<\/em>83\/1.333<\/em>) #bacassueance #BHNT<\/em>","protected":false},"excerpt":{"rendered":"

L\u1eddi gi\u1ea3i n\u00e0o cho b\u00e0i to\u00e1n b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng? (TN) – Tr\u01b0\u1edbc nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a h\u00ecnh th\u1ee9c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd qua k\u00eanh ng\u00e2n h\u00e0ng (bancass), nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng ngo\u00e0i r\u1ed1t r\u00e1o thanh ki\u1ec3m tra, x\u1eed l\u00fd vi ph\u1ea1m, c\u1ea7n t\u00ednh t\u1edbi c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t n\u1ebfu […]<\/p>\n","protected":false},"author":1,"featured_media":37432,"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-37431","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":"\n3.538. L\u1eddi gi\u1ea3i n\u00e0o cho b\u00e0i to\u00e1n b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"B\u00e0i to\u00e1n b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng | Ngo\u00e0i thanh ki\u1ec3m tra, x\u1eed l\u00fd vi ph\u1ea1m, c\u1ea7n t\u00ednh t\u1edbi c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t n\u1ebfu t\u1ef7 l\u1ec7 h\u1ee7y h\u1ee3p \u0111\u1ed3ng qu\u00e1 cao.\" \/>\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\/3-538-loi-giai-nao-cho-bai-toan-ban-bao-hiem-qua-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.538. 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