{"id":38835,"date":"2024-01-17T13:38:35","date_gmt":"2024-01-17T06:38:35","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38835"},"modified":"2024-10-10T14:07:04","modified_gmt":"2024-10-10T07:07:04","slug":"4-228-co-nen-cam-ngan-hang-ban-cheo-bao-hiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-228-co-nen-cam-ngan-hang-ban-cheo-bao-hiem\/","title":{"rendered":"4.228. C\u00f3 n\u00ean c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m?"},"content":{"rendered":"

C\u00f3 n\u00ean c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m?<\/span><\/h4>\n
(VietStock) – M\u1ed9t s\u1ed1 th\u00f4ng tin ti\u00eau c\u1ef1c trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m x\u1ea3y ra th\u1eddi gian qua, d\u1eabn \u0111\u1ebfn nh\u1eefng tranh lu\u1eadn c\u00f3 n\u00ean hay kh\u00f4ng c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. \u0110a s\u1ed1 \u00fd ki\u1ebfn chuy\u00ean gia \u0111\u1ec1u cho r\u1eb1ng kh\u00f4ng n\u00ean c\u1ea5m, m\u00e0 c\u1ea7n c\u00f3 ch\u1ebf t\u00e0i \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng t\u1eeb c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/strong><\/h5>\n

T\u1ea1i k\u1ef3 h\u1ecdp b\u1ea5t th\u01b0\u1eddng l\u1ea7n th\u1ee9 5 c\u1ee7a Qu\u1ed1c h\u1ed9i kh\u00f3a XV, \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i Ph\u1ea1m V\u0103n Th\u1ecbnh (\u0111o\u00e0n B\u1eafc Giang) \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. H\u1ec7 l\u1ee5y c\u1ee7a vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng li\u00ean doanh, li\u00ean k\u1ebft b\u00e1n b\u1ea3o hi\u1ec3m th\u1eddi gian qua \u0111\u00e3 r\u1ea5t r\u00f5 r\u00e0ng. C\u00e1c ng\u00e2n h\u00e0ng v\u1ed1n kh\u00f4ng c\u00f3 tr\u1ee5 s\u1edf b\u1ea3o hi\u1ec3m. Do v\u1eady, \u0111\u1ea1i bi\u1ec3u n\u00e0y \u1ee7ng h\u1ed9 quan \u0111i\u1ec3m l\u00e0 kh\u00f4ng cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng li\u00ean doanh, li\u00ean k\u1ebft b\u00e1n b\u1ea3o hi\u1ec3m\u2026<\/p>\n

\u0110\u1ea1i bi\u1ec3u Ph\u1ea1m V\u0103n Th\u1ecbnh cho r\u1eb1ng vi\u1ec7c b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd qua ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i d\u1ec5 d\u00e0ng \u0111\u00e3 k\u00e9o c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u1ecf qua c\u00e1c ranh gi\u1edbi ngh\u1ec1 nghi\u1ec7p, x\u00f3a b\u1ecf uy t\u00edn \u0111\u01b0\u1ee3c t\u00edch l\u0169y \u0111\u1ec3 b\u01b0\u1edbc v\u00e0o v\u00f2ng xo\u00e1y t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn.<\/p>\n

B\u00e0n lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 c\u00f3 n\u00ean hay kh\u00f4ng c\u1ea5m vi\u1ec7c ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc \u0111\u00e2y \u0111\u00e3 t\u1eebng g\u00e2y tranh c\u00e3i r\u1ea5t nhi\u1ec1u. Cho \u0111\u1ebfn nay, v\u1eabn ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c \u0111\u01b0a ra tr\u00ean b\u00e0n h\u1ed9i ngh\u1ecb Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i).<\/p>\n

V\u00ec sao ph\u1ea3i c\u1ea5m?<\/strong><\/h5>\n\n\n\n
\"C\u00f3<\/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><\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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> \u0111\u1eb7t ra c\u00e2u h\u1ecfi v\u00ec sao ph\u1ea3i c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m?<\/em><\/h5>\n

\u00d4ng \u0110\u1ee9c cho r\u1eb1ng ch\u1ec9 khi n\u00e0o l\u00e0m sai, g\u00e2y nguy hi\u1ec3m v\u00e0 thi\u1ec7t h\u1ea1i th\u00ec m\u1edbi c\u1ea5m. V\u1ea5n \u0111\u1ec1 \u1edf \u0111\u00e2y l\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ng\u0103n ch\u1eb7n, x\u1eed l\u00fd nh\u1eefng g\u00ec ch\u01b0a h\u1ee3p l\u00fd. Vi\u1ec7c ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m l\u00e0 c\u1ea7n thi\u1ebft. C\u00f2n nh\u1eefng v\u1ea5n \u0111\u1ec1 nh\u01b0 gian l\u1eadn, l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o, l\u00e0m tr\u00e1i nguy\u00ean t\u1eafc t\u1ef1 nguy\u1ec7n, t\u1ef1 do \u00fd ch\u00ed, g\u00e2y nh\u1ea7m l\u1eabn, gian d\u1ed1i \u0111\u01b0\u01a1ng nhi\u00ean ph\u1ea3i c\u1ea5m.<\/em><\/p>\n

C\u00f3 nhi\u1ec1u l\u00fd do d\u1eabn \u0111\u1ebfn t\u1ea5t y\u1ebfu ph\u1ea3i \u0111\u1ec3 cho ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

Th\u1ee9 nh\u1ea5t<\/em><\/strong>, b\u1ea3o hi\u1ec3m cho t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m m\u00e0 ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 khi cho vay.<\/em><\/p>\n

Th\u1ee9 hai<\/em><\/strong>, n\u1ebfu nh\u01b0 kh\u00f4ng b\u1eaft bu\u1ed9c, m\u00e0 ng\u00e2n h\u00e0ng cho vay \u0111\u00e1nh gi\u00e1 c\u1ea7n ph\u1ea3i c\u00f3 c\u0169ng v\u1eabn ph\u1ea3i c\u00f3 v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c c\u00f4ng khai, r\u00f5 r\u00e0ng.<\/em><\/p>\n

Th\u1ee9 ba<\/em><\/strong>, b\u1ea3o hi\u1ec3m v\u1ec1 chuy\u1ec7n thu h\u1ed3i n\u1ee3. Khi kh\u00e1ch h\u00e0ng \u0111i vay g\u1eb7p v\u1ea5n \u0111\u1ec1 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 th\u00ec ng\u00e2n h\u00e0ng v\u1eabn thu h\u1ed3i \u0111\u01b0\u1ee3c n\u1ee3.<\/em><\/p>\n

\u201cTuy nhi\u00ean, t\u1ea5t c\u1ea3 ph\u1ea3i tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n v\u1ec1 gi\u00e1 th\u00e0nh, chi ph\u00ed v\u00e0 l\u00e3i su\u1ea5t, n\u1ebfu kh\u00e1ch h\u00e0ng \u0111\u00e1nh gi\u00e1 c\u00e1c m\u1ee9c n\u00e0y \u1ed5n th\u1ecfa th\u00ec s\u1ebd tham gia b\u1ea3o hi\u1ec3m. L\u00e3i su\u1ea5t vay c\u00f3 th\u1ec3 c\u00f4ng b\u1ed1 c\u00f4ng khai, kh\u00e1ch h\u00e0ng n\u1ebfu th\u1ecfa \u0111i\u1ec1u ki\u1ec7n th\u00ec vay, n\u1ebfu kh\u00f4ng th\u1ecfa th\u00ec sang ng\u00e2n h\u00e0ng kh\u00e1c vay. \u0110\u00f3 m\u1edbi l\u00e0 th\u1ecb tr\u01b0\u1eddng\u201d<\/em>, lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0nh\u1ea5n m\u1ea1nh.<\/p>\n

Lu\u1eadt s\u01b0 \u0110\u1ee9c cho r\u1eb1ng nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n giao d\u1ecbch d\u00e2n s\u1ef1 l\u00e0 t\u1ef1 nguy\u1ec7n, t\u1ef1 do, n\u1ebfu c\u00f3 d\u1ea5u hi\u1ec7u \u0111e d\u1ecda, c\u01b0\u1ee1ng b\u1ee9c\u2026 th\u00ec \u0111\u00f3 l\u1ea1i l\u00e0 h\u00ecnh s\u1ef1.<\/em><\/p>\n

Th\u00eam v\u00e0o \u0111\u00f3, Lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m s\u1ed1 08\/2022\/QH15 c\u0169ng \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua. V\u00e0 g\u1ea7n \u0111\u00e2y nh\u1ea5t l\u00e0 Th\u00f4ng t\u01b0 s\u1ed1 67\/2023\/TT-BTC\u00a0ng\u00e0y 02\/11\/2023 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. Trong Th\u00f4ng t\u01b0 76 \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 vi\u1ec7c khi t\u01b0 v\u1ea5n ph\u1ea3i ghi \u00e2m khi c\u1ea7n thi\u1ebft.<\/em><\/p>\n

Ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u01b0\u1ee3c v\u00e0 r\u1ea5t c\u1ea7n \u0111\u01b0\u1ee3c khai th\u00e1c kh\u00e1ch h\u00e0ng t\u1eeb vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m. \u0110\u00e2y l\u00e0 ngu\u1ed3n d\u1eef li\u1ec7u t\u1ed1t nh\u1ea5t v\u00e0 ngu\u1ed3n kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. Th\u1ebf nh\u01b0ng, ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u00fang s\u1ea3n ph\u1ea9m, kh\u00f4ng tr\u1ee5c l\u1ee3i t\u1eeb b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

N\u1ebfu nh\u01b0 kh\u00e1ch h\u00e0ng \u0111\u1ebfn ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng b\u1ecb y\u00eau c\u1ea7u ph\u1ea3i mua b\u1ea3o hi\u1ec3m m\u1edbi cho vay l\u00e0 c\u00e2u chuy\u1ec7n c\u1ee7a th\u1ecb tr\u01b0\u1eddng, c\u1ea1nh tranh v\u00e0 r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng. Tr\u01b0\u1eddng h\u1ee3p ch\u1ec9 c\u00f3 m\u1ed9t v\u00e0i ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m m\u1edbi l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ea7n x\u1eed l\u00fd v\u00e0 l\u00e0m sao \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1ee7i ro cho kh\u00e1ch h\u00e0ng.<\/em><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>\u00a0cho r\u1eb1ng c\u00e1ch duy nh\u1ea5t l\u00e0 th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh v\u00e0 s\u00f2ng ph\u1eb3ng. C\u1ea1nh tranh l\u00e0 n\u1ebfu kh\u00e1ch h\u00e0ng nh\u1eadn th\u1ea5y ng\u00e2n h\u00e0ng n\u00e0o c\u00f3 d\u1ea5u hi\u1ec7u \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m nh\u01b0 v\u1eeba qua, th\u00ec l\u1ef1a ch\u1ecdn ng\u00e2n h\u00e0ng kh\u00e1c.<\/em><\/p>\n

Th\u00eam n\u1eefa l\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Kh\u00e1ch h\u00e0ng ph\u1ea3i bi\u1ebft s\u1eed d\u1ee5ng quy\u1ec1n l\u1ef1c \u0111\u00f3, c\u1ea3 Nh\u00e0 n\u01b0\u1edbc v\u00e0 x\u00e3 h\u1ed9i \u0111\u1ec1u b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i n\u00e0y.<\/em><\/p>\n

C\u00f3 ch\u1ebf t\u00e0i th\u00ec s\u1ebd kh\u00f4ng c\u00f3 vi ph\u1ea1m<\/strong><\/h5>\n\n\n\n
PGS.TS. Nguy\u1ec5n H\u1eefu Hu\u00e2n – Gi\u1ea3ng vi\u00ean \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TPHCM<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

PGS.TS. Nguy\u1ec5n H\u1eefu Hu\u00e2n \u2013 Gi\u1ea3ng vi\u00ean \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TPHCM<\/strong>\u00a0c\u0169ng cho r\u1eb1ng kh\u00f4ng n\u00ean c\u1ea5m vi\u1ec7c ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, v\u00ec Bancassurance l\u00e0 k\u00eanh ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ebf gi\u1edbi. \u0110\u00f3 l\u00e0 m\u1ed9t nghi\u1ec7p v\u1ee5 gi\u00fap t\u0103ng doanh thu c\u1ee7a c\u00e1c b\u00ean v\u1edbi nhau. V\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf ch\u1ed7 l\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd ch\u01b0a \u0111\u00fang, ch\u01b0a ch\u1eb7t ch\u1ebd.<\/p>\n

Thay v\u00ec c\u1ea5m, th\u00ec ph\u1ea3i \u0111\u01b0a ra \u0111\u01b0\u1ee3c nh\u1eefng quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 tr\u00e1ch nhi\u1ec7m, quy\u1ec1n h\u1ea1n c\u1ee7a c\u00e1c b\u00ean tham gia nh\u01b0 ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. \u0110i\u1ec1u n\u00e0y s\u1ebd t\u1ed1t h\u01a1n vi\u1ec7c c\u1ea5m h\u1eb3n ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m.<\/p>\n

Lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 quy \u0111\u1ecbnh khi t\u01b0 v\u1ea5n ph\u1ea3i ghi \u00e2m, kh\u00f4ng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng vay mua b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0. Nh\u01b0ng l\u1ea1i kh\u00f4ng c\u00f3 ch\u1ebf t\u00e0i n\u1ebfu nh\u01b0 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai ph\u1ea1m.<\/p>\n

V\u00ed d\u1ee5, n\u1ebfu nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m kh\u00f4ng l\u00e0m \u0111\u00fang th\u00ec s\u1ebd b\u1ecb x\u1eed ph\u1ea1t th\u1ebf n\u00e0o, nh\u1eb9 th\u00ec s\u1ebd b\u1ecb b\u1ed3i th\u01b0\u1eddng bao nhi\u00eau ph\u1ea7n tr\u0103m gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng, n\u1eb7ng th\u00ec truy c\u1ee9u tr\u00e1ch nhi\u1ec7m h\u00ecnh s\u1ef1 th\u1ebf n\u00e0o\u2026<\/p>\n

\u201cPh\u1ea3i c\u00f3 quy \u0111\u1ecbnh ch\u1ebf t\u00e0i, khung h\u00ecnh ph\u1ea1t c\u1ee5 th\u1ec3 v\u1ec1 d\u00e2n s\u1ef1 v\u00e0 h\u00ecnh s\u1ef1, th\u00ec c\u00e1c b\u00ean m\u1edbi th\u1ef1c hi\u1ec7n \u0111\u00fang. Khi c\u00f3 ch\u1ebf t\u00e0i c\u0169ng s\u1ebd b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1eeb c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u00ed d\u1ee5 ng\u00e2n h\u00e0ng \u00e9p, th\u00ec kh\u00e1ch h\u00e0ng c\u00f3 quy\u1ec1n ki\u1ec7n. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ph\u1ea3i c\u00f3 \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng t\u00fac tr\u1ef1c, ti\u1ebfp nh\u1eadn x\u1eed l\u00fd v\u1ee5 vi\u1ec7c.<\/em><\/p>\n

Ho\u1eb7c c\u0169ng c\u00f3 th\u1ec3 ng\u00e2n h\u00e0ng n\u00e0o vi ph\u1ea1m th\u00ec s\u1ebd c\u00f3 th\u1ec3 b\u1ecb c\u1ea5m kinh doanh b\u1ea3o hi\u1ec3m trong th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh. C\u00f3 t\u00e0i ch\u1ebf th\u00ec s\u1ebd kh\u00f4ng vi ph\u1ea1m\u201d<\/em>,\u00a0PGS.TS. Nguy\u1ec5n H\u1eefu Hu\u00e2n \u0111\u1ec1 xu\u1ea5t m\u1ed9t s\u1ed1 ch\u1ebf t\u00e0i \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng.<\/p>\n

Bancassurance l\u00e0 m\u1ed9t trong nh\u1eefng ngu\u1ed3n thu c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tr\u1edf th\u00e0nh ngu\u1ed3n thu b\u1ec1n v\u1eefng d\u00e0i h\u1ea1n. Ngo\u1ea1i tr\u1eeb ph\u1ea3i c\u00f3 ch\u1ebf t\u00e0i, vi\u1ec7c t\u01b0 v\u1ea5n ph\u1ea3i mang \u0111\u00fang t\u00ednh ch\u1ea5t s\u1ea3n ph\u1ea9m tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n. \u0110\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u th\u00ec s\u1ebd t\u1ef1 nguy\u1ec7n mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. \u0110\u01b0\u1ee3c nh\u01b0 v\u1eady th\u00ec vi\u1ec7c t\u0103ng tr\u01b0\u1edfng c\u00f3 th\u1ec3 ch\u1eadm nh\u01b0ng s\u1ebd b\u1ec1n v\u1eefng.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, v\u1eabn c\u00f3 m\u1ed9t b\u1ed9 ph\u1eadn kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u th\u1ef1c mu\u1ed1n mua b\u1ea3o hi\u1ec3m t\u1eeb ph\u00eda ng\u00e2n h\u00e0ng. B\u00e2y gi\u1edd n\u1ebfu c\u1ea5m th\u00ec ng\u00e2n h\u00e0ng s\u1ebd m\u1ea5t l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng n\u00e0y, l\u00e0m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n

\u201cT\u00f4i ngh\u0129 kh\u00f4ng n\u00ean c\u1ea5m m\u00e0 c\u1ea7n c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3, \u0111\u01b0a nghi\u1ec7p v\u1ee5i bancassurance v\u00e0o khu\u00f4n kh\u1ed5 v\u00e0 chuy\u00ean nghi\u1ec7p h\u01a1n\u201d<\/em>,\u00a0PGS.TS. Hu\u00e2n nh\u1ea5n m\u1ea1nh.<\/p>\n

C\u1ea7n x\u00e2y d\u1ef1ng l\u1ea1i n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1ch th\u1ee9c t\u01b0 v\u1ea5n<\/strong><\/h5>\n\n\n\n
PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh – Chuy\u00ean gia kinh t\u1ebf<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh \u2013 Chuy\u00ean gia kinh t\u1ebf<\/strong>\u00a0c\u0169ng \u0111\u1ed3ng t\u00ecnh kh\u00f4ng n\u00ean c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/h5>\n

Vi\u1ec7c k\u1ebft h\u1ee3p gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m \u0111\u1ec3 b\u00e1n b\u1ea3o hi\u1ec3m th\u00ec h\u1ea7u h\u1ebft c\u00e1c qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi \u0111\u1ec1u l\u00e0m v\u00e0 c\u00f3 hi\u1ec7u qu\u1ea3. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng h\u00ecnh th\u1ee9c th\u00f4ng d\u1ee5ng c\u1ee7a c\u00e1c qu\u1ed1c gia.<\/p>\n

V\u1ea5n \u0111\u1ec1 quan tr\u1ecdng l\u00e0 vi\u1ec7c qu\u1ea3n l\u00fd kh\u00f4ng t\u1ed1t, n\u00ean th\u1eddi gian qua m\u1edbi ph\u00e1t sinh chuy\u1ec7n l\u1eeba \u0111\u1ea3o ng\u01b0\u1eddi g\u1eedi ti\u1ebft ki\u1ec7m th\u00e0nh ti\u1ec1n mua b\u1ea3o hi\u1ec3m, mua tr\u00e1i phi\u1ebfu. N\u1ebfu vi\u1ec7c t\u01b0 v\u1ea5n, gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, \u0111\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi mua hi\u1ec3u r\u00f5 s\u1ea3n ph\u1ea9m v\u00e0 ch\u1ea5p nh\u1eadn mua b\u1ea3o hi\u1ec3m l\u00e0 vi\u1ec7c b\u00ecnh th\u01b0\u1eddng.<\/p>\n

Th\u00eam v\u00e0o \u0111\u00f3, vi\u1ec7c k\u1ebft h\u1ee3p \u0111\u1ec3 ng\u00e2n h\u00e0ng b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u00f3 nhi\u1ec1u l\u1ee3i \u00edch, v\u1eeba t\u1ea1o th\u00eam vi\u1ec7c l\u00e0m cho ph\u00eda ng\u00e2n h\u00e0ng, v\u1eeba \u0111\u1ea3m b\u1ea3o t\u00ednh s\u00e2u r\u1ed9ng cho vi\u1ec7c tuy\u00ean truy\u1ec1n v\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c t\u1ea7ng l\u1edbp d\u00e2n c\u01b0 c\u00f3 th\u1ec3 c\u00f3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau, \u0111\u1ea3m b\u1ea3o cho cu\u1ed9c s\u1ed1ng, c\u00e1c m\u1eb7t ho\u1ea1t \u0111\u1ed9ng c\u1ee7a con ng\u01b0\u1eddi trong x\u00e3 h\u1ed9i.<\/p>\n

C\u1ea7n ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1ee7i ro cho kh\u00e1ch h\u00e0ng. K\u1ec3 c\u1ea3 vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m hay b\u1ea3o hi\u1ec3m k\u1ebft h\u1ee3p v\u1edbi ng\u00e2n h\u00e0ng, \u0111\u1ec1u ph\u1ea3i c\u00f3 b\u1eb1ng ch\u1ee9ng l\u01b0u l\u1ea1i, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u00e3 gi\u1ea3i th\u00edch r\u00f5 v\u1ec1 s\u1ea3n ph\u1ea9m, ng\u01b0\u1eddi mua \u0111\u00e3 hi\u1ec3u v\u00e0 t\u1ef1 nguy\u1ec7n \u0111\u1ed3ng \u00fd mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u00f3, v\u00ec c\u00f3 r\u1ea5t nhi\u1ec1u lo\u1ea1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/p>\n

Ngay c\u1ea3 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u0169ng c\u00f3 bao nhi\u00eau lo\u1ea1i, v\u1ea5n \u0111\u1ec1 l\u00e0m sao \u0111\u1ec3 c\u00f3 minh ch\u1ee9ng \u0111\u00e3 gi\u1ea3i th\u00edch cho ng\u01b0\u1eddi mua \u0111\u00e3 hi\u1ec3u \u0111\u01b0\u1ee3c vi\u1ec7c kh\u00e1ch h\u00e0ng mua l\u00e0 t\u1ef1 nguy\u1ec7n v\u00e0 hi\u1ec3u \u0111\u01b0\u1ee3c \u0111\u00fang b\u1ea3n ch\u1ea5t lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00ecnh mua. Ngo\u1ea1i tr\u1eeb vi\u1ec7c ghi h\u00ecnh, ghi \u00e2m\u2026 khi t\u01b0 v\u1ea5n, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng n\u00ean l\u01b0\u1ee3c gi\u1ea3n b\u1edbt c\u00e1c n\u1ed9i dung v\u1eb7t v\u00e3nh kh\u00f3 ti\u1ebfp c\u1eadn, ch\u1ec9 c\u1ea7n \u0111\u01b0a c\u00e1c n\u1ed9i dung c\u01a1 b\u1ea3n, d\u1ec5 hi\u1ec3u.<\/p>\n

\u201cH\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0i 100 trang, c\u0169ng kh\u00f3 \u0111\u1ec3 kh\u00e1ch h\u00e0ng trong th\u1eddi gian 1-2 ti\u1ebfng \u0111\u1ecdc hi\u1ec3u v\u00e0 \u0111\u1ed3ng \u00fd k\u00fd \u0111\u01b0\u1ee3c\u201d<\/em>, \u00f4ng Th\u1ecbnh d\u1eabn v\u00ed d\u1ee5.<\/p>\n

PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh \u0111\u1ec1 xu\u1ea5t c\u1ea7n ph\u1ea3i thi\u1ebft k\u1ebf l\u1ea1i n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng, ph\u1ea3i x\u00e1c \u0111\u1ecbnh c\u00e1ch th\u1ee9c \u0111\u1ec3 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n v\u00e0 kh\u00e1ch h\u00e0ng mua hi\u1ec3u s\u1ea3n ph\u1ea9m v\u00e0 c\u00f3 b\u1eb1ng ch\u1ee9ng ghi l\u1ea1i. Trong Lu\u1eadt kinh doanh h\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00f4ng qua t\u1eeb th\u00e1ng 06\/2022 c\u0169ng \u0111\u00e3 c\u00f3 quy \u0111\u1ecbnh vi\u1ec7c n\u00e0y, c\u00f2n vi\u1ec7c c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c, v\u00ec c\u00e1c doanh nghi\u1ec7p, \u0111\u01a1n v\u1ecb kh\u00e1c v\u1eabn c\u00f3 quy\u1ec1n b\u00e1n b\u1ea3o hi\u1ec3m\u2026<\/p>\n

V\u1ea5n \u0111\u1ec1 l\u00e0 ch\u01b0a c\u00f3 ch\u1ebf t\u00e0i c\u1ee5 th\u1ec3 trong vi\u1ec7c kinh doanh b\u00e1n b\u1ea3o hi\u1ec3m, kh\u00f4ng cho ph\u00e9p kinh doanh, b\u00e1n b\u1ea3o hi\u1ec3m, hay r\u00fat gi\u1ea5y ph\u00e9p kinh doanh\u2026 M\u1ee9c \u0111\u1ed9 x\u1eed l\u00fd sai ph\u1ea1m th\u1ebf n\u00e0o \u0111\u1ec3 cho nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m khi vi ph\u1ea1m ph\u1ea3i \u0111\u1ec1n b\u00f9, c\u00e1ch th\u1ee9c ra sao\u2026<\/p>\n

C\u0169ng v\u00ec kh\u00f4ng c\u00f3 ch\u1ebf t\u00e0i v\u1edbi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n v\u00e0 c\u1ea3 \u0111\u01a1n v\u1ecb kinh doanh, n\u00ean th\u1eddi gian qua m\u1edbi x\u1ea3y ra nh\u1eefng tr\u01b0\u1eddng h\u1ee3p t\u01b0 v\u1ea5n sai, \u0111\u00f4i khi ng\u01b0\u1eddi t\u01b0 v\u1ea5n ch\u1ec9 c\u1ea7n b\u00e1n \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 \u0111\u01b0\u1ee3c.<\/p>\n

\u201cC\u1ea7n ph\u1ea3i c\u00f3 ch\u1ebf t\u00e0i th\u1eadt n\u1eb7ng, th\u1eadm ch\u00ed l\u00e0 c\u1ea5m nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u01b0\u1ee3c l\u00e0m trong ng\u00e0nh t\u00e0i ch\u00ednh n\u1ebfu c\u00f3 d\u1ea5u hi\u1ec7u vi ph\u1ea1m li\u00ean quan \u0111\u1ebfn l\u1eeba \u0111\u1ea3o. \u0110\u00e2y l\u00e0 \u0111\u1ea1o \u0111\u1ee9c kinh doanh c\u1ee7a ng\u01b0\u1eddi l\u00e0m t\u00e0i ch\u00ednh. N\u1ebfu gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 n\u00e0y th\u00ec m\u1edbi x\u1eed l\u00fd \u0111\u01b0\u1ee3c v\u00e0 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng\u201d<\/em>,\u00a0PGS.TS. \u0110inh Tr\u1ecdng Th\u1ecbnh n\u00f3i th\u00eam.<\/p>\n

C\u00e1t Lam<\/strong><\/p>\n

—————<\/p>\n

Vietstock (Ng\u00e2n h\u00e0ng) ng\u00e0y 17-01-2024:<\/em><\/strong><\/p>\n

https:\/\/vietstock.vn\/2024\/01\/co-nen-cam-ngan-hang-ban-cheo-bao-hiem-757-1146427.htm<\/a> <\/em><\/p>\n

(506\/2.029)<\/em>","protected":false},"excerpt":{"rendered":"

C\u00f3 n\u00ean c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m? (VietStock) – M\u1ed9t s\u1ed1 th\u00f4ng tin ti\u00eau c\u1ef1c trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m x\u1ea3y ra th\u1eddi gian qua, d\u1eabn \u0111\u1ebfn nh\u1eefng tranh lu\u1eadn c\u00f3 n\u00ean hay kh\u00f4ng c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. \u0110a s\u1ed1 \u00fd ki\u1ebfn chuy\u00ean gia \u0111\u1ec1u cho r\u1eb1ng kh\u00f4ng […]<\/p>\n","protected":false},"author":2,"featured_media":38836,"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-38835","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":"\n4.228. 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