{"id":37441,"date":"2023-07-22T15:40:03","date_gmt":"2023-07-22T08:40:03","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37441"},"modified":"2024-11-19T14:43:17","modified_gmt":"2024-11-19T07:43:17","slug":"3-539-nhung-su-co-tren-thi-truong-bao-hiem-se-tao-ra-lop-mang-thanh-loc-thi-truong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-539-nhung-su-co-tren-thi-truong-bao-hiem-se-tao-ra-lop-mang-thanh-loc-thi-truong\/","title":{"rendered":"3.539. Nh\u1eefng s\u1ef1 c\u1ed1 tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m s\u1ebd t\u1ea1o ra l\u1edbp m\u00e0ng thanh l\u1ecdc th\u1ecb tr\u01b0\u1eddng"},"content":{"rendered":"

Nh\u1eefng s\u1ef1 c\u1ed1 tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m s\u1ebd t\u1ea1o ra l\u1edbp m\u00e0ng thanh l\u1ecdc th\u1ecb tr\u01b0\u1eddng<\/span><\/h4>\n
(TH&CL) – Theo gi\u1edbi chuy\u00ean gia \u201ctrong nguy c\u00f3 c\u01a1\u201d – nh\u1eefng s\u1ef1 c\u1ed1 tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u00e3 v\u00e0 \u0111ang t\u1ea1o n\u00ean l\u1edbp m\u00e0ng thanh l\u1ecdc, \u0111\u1ec3 nh\u1eefng \u0111\u01a1n v\u1ecb, \u0111\u1ea1i l\u00fd kinh doanh ch\u01b0a chu\u1ea9n m\u1ef1c b\u1ecb \u0111\u00e0o th\u1ea3i, tr\u1ea3 l\u1ea1i s\u1ef1 minh b\u1ea1ch kh\u00e1ch quan cho th\u1ecb tr\u01b0\u1eddng, khi\u1ebfn ng\u01b0\u1eddi ti\u00eau d\u00f9ng y\u00ean t\u00e2m h\u01a1n, tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng…<\/strong><\/h5>\n
C\u01a1 quan qu\u1ea3n l\u00fd gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n<\/strong><\/h5>\n

Th\u1eddi gian qua, ng\u00e0nh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) \u0111\u00e3 tr\u1ea3i qua nh\u1eefng bi\u1ebfn \u0111\u1ed9ng l\u1edbn nh\u1ea5t t\u1eeb tr\u01b0\u1edbc t\u1edbi nay. \u1ede m\u1ed9t g\u00f3c nh\u00ecn t\u00edch c\u1ef1c, \u00f4ng Phan \u0110\u1ee9c Hi\u1ebfu, \u1ee6y vi\u00ean th\u01b0\u1eddng tr\u1ef1c \u1ee6y ban Kinh t\u1ebf c\u1ee7a Qu\u1ed1c h\u1ed9i l\u1ea1i cho r\u1eb1ng: \u0110\u00f3 l\u00e0 d\u1ecbp gi\u00fap th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c thanh l\u1ecdc, nhi\u1ec1u \u201ccon m\u1eaft\u201d – gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng t\u1eeb ph\u00eda qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc l\u1eabn doanh nghi\u1ec7p, l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o t\u1ed1t h\u01a1n n\u1eefa.<\/p>\n

\"s\u1ef1

S\u1ef1 c\u1ed1 b\u1ea3o hi\u1ec3m v\u1eeba qua – l\u00e0 c\u00fa h\u00edch \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c thanh l\u1ecdc, ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng h\u01a1n<\/p><\/div>\n

Gi\u1edbi chuy\u00ean gia nh\u1eadn \u0111\u1ecbnh, khung kh\u1ed5 ph\u00e1p l\u00fd, c\u01a1 ch\u1ebf, ch\u00ednh s\u00e1ch qu\u1ea3n l\u00fd \u0111\u1ed1i v\u1edbi th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n, h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y h\u1ed9i nh\u1eadp v\u00e0 h\u1ee3p t\u00e1c kinh t\u1ebf qu\u1ed1c t\u1ebf. H\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n khi m\u1edbi \u0111\u00e2y, Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 46\/2023 v\u1eeba \u0111\u01b0\u1ee3c Ch\u00ednh ph\u1ee7 ban h\u00e0nh, \u0111\u01b0a ra nh\u1eefng 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, gi\u00fap qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

C\u1ee5 th\u1ec3, Ngh\u1ecb \u0111\u1ecbnh 46 quy \u0111\u1ecbnh:<\/p>\n

C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng 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;<\/p>\n

Ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn chuy\u00ean tr\u00e1ch b\u00e1n b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 t\u1ed1i thi\u1ec3u 3 n\u0103m kinh nghi\u1ec7m l\u00e0m vi\u1ec7c trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m;<\/p>\n

T\u1ea1i m\u1ed7i chi nh\u00e1nh ph\u1ea3i \u0111\u1ea3m b\u1ea3o t\u1ed1i thi\u1ec3u 3 nh\u00e2n vi\u00ean \u0111\u00e0o t\u1ea1o v\u00e0 c\u00f3 ch\u1ee9ng ch\u1ec9 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m m\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0m \u0111\u1ea1i l\u00fd;<\/p>\n

T\u1ea1i m\u1ed7i chi nh\u00e1nh, ph\u00f2ng giao d\u1ecbch ph\u1ea3i thi\u1ebft l\u1eadp m\u1ed9t qu\u1ea7y giao d\u1ecbch ri\u00eang \u0111\u1ec3 th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, t\u00e1ch b\u1ea1ch v\u1edbi khu v\u1ef1c giao d\u1ecbch, ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5 kh\u00e1c c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

Sau s\u1ef1 c\u1ed1 – \u201ccon m\u1eaft\u201d gi\u00e1m s\u00e1t c\u1ee7a c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n<\/p>\n

Ngo\u00e0i ra, k\u1ebft lu\u1eadn thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng \u0111\u00e3 \u0111\u00e1nh gi\u00e1 v\u00e0 \u0111\u1ec1 xu\u1ea5t nh\u1eefng \u0111i\u1ec1u ch\u1ec9nh c\u1ea7n thi\u1ebft trong qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t c\u1ee7a c\u00e1c c\u01a1 quan c\u00f3 li\u00ean quan. Vi\u1ec7c n\u00e0y, \u0111\u1ea3m b\u1ea3o r\u1eb1ng nh\u1eefng sai s\u00f3t, r\u1ee7i ro trong h\u1ec7 th\u1ed1ng b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n s\u1edbm v\u00e0 x\u1eed l\u00fd k\u1ecbp th\u1eddi, gi\u00fap ng\u01b0\u1eddi d\u00e2n an t\u00e2m h\u01a1n khi mua b\u1ea3o hi\u1ec3m, t\u0103ng c\u01b0\u1eddng l\u00f2ng tin v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh trong th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y ti\u1ec1m n\u0103ng n\u00e0y.<\/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> nh\u1ea5n m\u1ea1nh: K\u1ebft lu\u1eadn thanh tra c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 kh\u1eb3ng \u0111\u1ecbnh r\u00f5 nh\u1eefng sai ph\u1ea1m, b\u1ea5t c\u1eadp c\u1ee7a b\u00ean b\u00e1n b\u1ea3o hi\u1ec3m l\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd ng\u00e2n h\u00e0ng; qua \u0111\u00f3, x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng tr\u00e1ch nhi\u1ec7m v\u00e0 ch\u1ebf t\u00e0i x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c h\u00e0nh vi vi ph\u1ea1m, gi\u1ea3m thi\u1ec3u vi\u1ec7c t\u00e1i di\u1ec5n c\u00e1c vi ph\u1ea1m t\u01b0\u01a1ng t\u1ef1.<\/em><\/p>\n

\u201cNh\u1eefng v\u1ec7t nh\u1ee9c nh\u1ed1i \u0111\u00e3 v\u1ee1 ra v\u00e0 \u0111\u01b0\u1ee3c x\u1eed l\u00fd, l\u00e0 m\u1ed9t s\u1ee9c \u00e9p m\u1ea1nh m\u1ebd gi\u00fap cho th\u1ecb tr\u01b0\u1edfng thay \u0111\u1ed5i m\u1ed9t c\u00e1ch v\u01b0\u1ee3t b\u1eadc theo chi\u1ec1u h\u01b0\u1edbng t\u1ed1t l\u00ean. Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m, tuy c\u00f3 ch\u1eadm l\u1ea1i trong th\u1eddi gian ng\u1eafn, nh\u01b0ng s\u1ebd b\u01b0\u1edbc sang m\u1ed9t giai \u0111o\u1ea1n m\u1edbi ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng\u201d, Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m thay \u0111\u1ed5i t\u00edch c\u1ef1c<\/em><\/strong><\/h5>\n

C\u0169ng theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, v\u1edbi khung kh\u1ed5 ph\u00e1p l\u00fd \u0111\u00e3 kh\u00e1 ho\u00e0n thi\u1ec7n, \u0111\u00f2i h\u1ecfi thay \u0111\u1ed5i ch\u1ee7 y\u1ebfu v\u1ec1 ph\u00eda \u0111\u01a1n v\u1ecb b\u00e1n. Ph\u00eda t\u01b0 v\u1ea5n, ng\u01b0\u1eddi b\u00e1n c\u0169ng s\u1ebd bu\u1ed9c ph\u1ea3i gi\u1ea3i th\u00edch \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c, trung th\u1ef1c h\u01a1n \u0111\u1ec3 kh\u00e1ch h\u00e0ng th\u1eadt s\u1ef1 hi\u1ec3u r\u00f5 v\u00e0 ho\u00e0n to\u00e0n t\u1ef1 nguy\u1ec7n tham gia.<\/em><\/p>\n

T\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n, nh\u1ea5t l\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng, \u00e9p bu\u1ed9c kh\u00e1ch mua b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u01b0\u1ee3c vay v\u1ed1n hay v\u00ec l\u1ee3i \u00edch ri\u00eang m\u00e0 c\u1ed1 t\u00ednh t\u01b0 v\u1ea5n thi\u1ebfu h\u1ee5t, l\u1eaft l\u00e9o \u0111\u1ec3 kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3m t\u1ed1i \u0111a. L\u00fd do c\u1ee7a nh\u1eefng thay \u0111\u1ed5i t\u00edch c\u1ef1c n\u00e0y l\u00e0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 h\u00e0nh \u0111\u1ed9ng nhanh v\u00e0 m\u1ea1nh h\u01a1n, nh\u1eb1m gi\u1ea3i quy\u1ebft tri\u1ec7t \u0111\u1ec3 nh\u1eefng t\u1ed3n t\u1ea1i \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n tr\u01b0\u1edbc \u0111\u00f3 v\u00e0 sau khi c\u00f3 k\u1ebft lu\u1eadn thanh tra.<\/p>\n

C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u1ed3ng lo\u1ea1t h\u00e0nh \u0111\u1ed9ng, thay \u0111\u1ed5i \u0111\u1ec3 l\u1ea5y l\u1ea1i ni\u1ec1m tin kh\u00e1ch h\u00e0ng<\/p>\n

C\u1ee5 th\u1ec3, t\u1eeb ph\u00eda doanh nghi\u1ec7p, ngay t\u1eeb tr\u01b0\u1edbc khi c\u00f3 k\u1ebft lu\u1eadn thanh tra chuy\u00ean \u0111\u1ec1 c\u1ee7a B\u1ed9 T\u00e0i Ch\u00ednh t\u1ea1i 4 c\u00f4ng ty BHNT, t\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u ch\u1ee7 \u0111\u1ed9ng r\u00e0 so\u00e1t, ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n, quy tr\u00ecnh b\u00e1n h\u00e0ng\u2026; 100% doanh nghi\u1ec7p BHNT \u0111\u00e3 ho\u00e0n thi\u1ec7n vi\u1ec7c r\u00e0 so\u00e1t h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00e2u t\u01b0 v\u1ea5n v\u00e0 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi b\u00e1o c\u00e1o c\u1ee5 th\u1ec3 g\u1eedi c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0o trung tu\u1ea7n th\u00e1ng 6 qua.<\/p>\n

Ri\u00eang 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m trong danh s\u00e1ch thanh tra, \u0111\u00e3 nhanh ch\u00f3ng r\u00e0 so\u00e1t v\u00e0 quy\u1ebft li\u1ec7t gi\u1ea3i quy\u1ebft nh\u1eefng t\u1ed3n t\u1ea1i m\u00e0 k\u1ebft lu\u1eadn \u0111\u00e3 ch\u1ec9 ra.<\/p>\n

Trong khi MB Ageas Life, BIDV MetLife kh\u1eafc ph\u1ee5c tri\u1ec7t \u0111\u1ec3 nh\u1eefng t\u1ed3n t\u1ea1i v\u1ec1 c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, ch\u1ee7 \u0111\u1ed9ng nghi\u00ean c\u1ee9u, ti\u1ebfp t\u1ee5c c\u1ea3i ti\u1ebfn, ho\u00e0n thi\u1ec7n v\u00e0 ban h\u00e0nh quy \u0111\u1ecbnh qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9, th\u00ec Sun Life Vi\u1ec7t Nam li\u00ean t\u1ee5c c\u00f3 nh\u1eefng c\u1ea3i ti\u1ebfn m\u1ea1nh m\u1ebd v\u1edbi cam k\u1ebft tu\u00e2n th\u1ee7 c\u00e1c chu\u1ea9n m\u1ef1c \u0111\u1ea1o \u0111\u1ee9c kinh doanh trong m\u1ecdi ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

C\u00f2n Prudential Vi\u1ec7t Nam \u0111\u00e3 c\u00f9ng m\u1ed9t \u0111\u1ed1i t\u00e1c ng\u00e2n h\u00e0ng thi\u1ebft l\u1eadp chu\u1ea9n m\u1ef1c bancassurance m\u1edbi v\u1edbi 3 n\u1ed9i dung, g\u1ed3m: X\u00e1c l\u1eadp h\u1ea1n m\u1ee9c \u201ct\u1ef7 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng\u201d t\u1ed1i thi\u1ec3u; Th\u00e0nh l\u1eadp \u201cuy ban qu\u1ea3n l\u00fd chu\u1ea9n m\u1ef1c \u1ee9ng x\u1eed kh\u00e1ch h\u00e0ng\u201d; Th\u1ecfa thu\u1eadn ch\u1ec9 b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng ph\u00f9 h\u1ee3p.<\/p>\n

Ch\u1ebf t\u00e0i x\u1eed l\u00fd \u0111\u1ed1i v\u1edbi c\u00e1c vi ph\u1ea1m c\u0169ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n quy\u1ebft li\u1ec7t, r\u00e0 so\u00e1t v\u00e0 n\u00e2ng m\u1ee9c. \u0110\u01a1n c\u1eed, MB Ageas Life kh\u1eb3ng \u0111\u1ecbnh c\u00e1c tr\u01b0\u1eddng h\u1ee3p vi ph\u1ea1m c\u1ee7a \u0111\u1ea1i l\u00fd c\u00e1 nh\u00e2n ghi nh\u1eadn trong K\u1ebft lu\u1eadn thanh tra \u0111a s\u1ed1 \u0111\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd d\u1ee9t \u0111i\u1ec3m ngay khi ph\u00e1t hi\u1ec7n. C\u00f2n ngay trong qu\u00fd 3 n\u00e0y, Prudential s\u1ebd ho\u00e0n thi\u1ec7n khung ph\u00e1p l\u00fd \u0111\u1ec3 gi\u00e1m s\u00e1t qu\u1ea3n l\u00fd v\u00e0 x\u1eed l\u00fd n\u1ebfu ph\u00e1t hi\u1ec7n ph\u00eda nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng vi ph\u1ea1m, t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00fang v\u1edbi b\u1ea3n ch\u1ea5t s\u1ea3n ph\u1ea9m m\u00e0 Prudential \u0111ang b\u00e1n qua k\u00eanh ng\u00e2n h\u00e0ng.<\/p>\n

Gi\u1edbi chuy\u00ean gia nh\u1eadn \u0111\u1ecbnh, khi doanh nghi\u1ec7p m\u1ea1nh m\u1ebd \u201cs\u1eeda ch\u1eefa\u201d nh\u1eefng khuy\u1ebft thi\u1ebfu, v\u1edbi s\u1ef1 \u0111i\u1ec1u h\u00e0nh quy\u1ebft li\u1ec7t c\u1ee7a Nh\u00e0 n\u01b0\u1edbc, s\u1ef1 s\u00e2u s\u00e1t c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, m\u1ed9t trang m\u1edbi c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c m\u1edf ra theo h\u01b0\u1edbng b\u1ec1n v\u1eefng, l\u00e0nh m\u1ea1nh h\u01a1n.<\/p>\n

Ng\u1ecdc Anh<\/strong><\/h5>\n

————-<\/em><\/p>\n

Th\u01b0\u01a1ng<\/em><\/strong> hi\u1ec7u & C\u00f4ng lu\u1eadn<\/em><\/strong> (Ph\u00e1p<\/em><\/strong> lu\u1eadt \u0111\u1eddi s\u1ed1ng<\/em><\/strong>) ng\u00e0y <\/em><\/strong>22-7<\/em><\/strong>-2023:<\/em><\/strong><\/p>\n

https:\/\/thuonghieucongluan.com.vn\/su-co-tren-thi-truong-bao-hiem-nhan-tho-tao-ra-lop-mang-thanh-loc-thi-truong-a197679.html<\/a> <\/em><\/p>\n

(<\/em>197\/1.282<\/em>) #BHNT #Bacassurance<\/em>","protected":false},"excerpt":{"rendered":"

Nh\u1eefng s\u1ef1 c\u1ed1 tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m s\u1ebd t\u1ea1o ra l\u1edbp m\u00e0ng thanh l\u1ecdc th\u1ecb tr\u01b0\u1eddng (TH&CL) – Theo gi\u1edbi chuy\u00ean gia \u201ctrong nguy c\u00f3 c\u01a1\u201d – nh\u1eefng s\u1ef1 c\u1ed1 tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u00e3 v\u00e0 \u0111ang t\u1ea1o n\u00ean l\u1edbp m\u00e0ng thanh l\u1ecdc, \u0111\u1ec3 nh\u1eefng \u0111\u01a1n v\u1ecb, \u0111\u1ea1i l\u00fd kinh doanh […]<\/p>\n","protected":false},"author":1,"featured_media":37443,"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-37441","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":"\n3.539. 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