{"id":38857,"date":"2024-01-24T06:37:30","date_gmt":"2024-01-23T23:37:30","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38857"},"modified":"2024-10-10T11:29:59","modified_gmt":"2024-10-10T04:29:59","slug":"3-650-ngan-chan-van-nan-ban-bao-hiem-kieu-bia-kem-lac","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-650-ngan-chan-van-nan-ban-bao-hiem-kieu-bia-kem-lac\/","title":{"rendered":"3.650. Ng\u0103n ch\u1eb7n v\u1ea5n n\u1ea1n b\u00e1n b\u1ea3o hi\u1ec3m ki\u1ec3u… \u201cbia k\u00e8m l\u1ea1c\u201d"},"content":{"rendered":"

Ng\u0103n ch\u1eb7n v\u1ea5n n\u1ea1n b\u00e1n b\u1ea3o hi\u1ec3m ki\u1ec3u… \u201cbia k\u00e8m l\u1ea1c\u201d<\/span><\/h4>\n
(D\u0110DN) – Sau h\u00e0ng lo\u1ea1t c\u00e1c l\u00f9m x\u00f9m li\u00ean quan, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi \u0111\u01b0\u1ee3c cho s\u1ebd l\u00e0 gi\u1ea3i ph\u00e1p gi\u00fap ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng b\u00e1n b\u1ea3o hi\u1ec3m ki\u1ec3u… \u201cbia k\u00e8m l\u1ea1c\u201d…<\/strong><\/h5>\n

Theo \u0111\u00f3, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng, b\u00e1n\u00a0b\u1ea3o hi\u1ec3m\u00a0b\u00e1n qua ng\u00e2n h\u00e0ng r\u1ea5t ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ebf gi\u1edbi, \u0111\u00e2y c\u0169ng l\u00e0 h\u00ecnh th\u1ee9c mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3\u00a0ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m l\u1eabn kh\u00e1ch h\u00e0ng, tuy nhi\u00ean, \u1edf Vi\u1ec7t Nam th\u1eddi gian qua,\u00a0kinh doanh b\u1ea3o hi\u1ec3m\u00a0\u0111\u00e3 g\u1eb7p nhi\u1ec1u \u0111i\u1ec1u ti\u1ebfng v\u00e0 g\u00e2y b\u1ee9c x\u00fac cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n

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

Nh\u1eefng l\u00f9m x\u00f9m c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m th\u1eddi gian qua khi\u1ebfn kh\u00f4ng \u00edt \u00fd ki\u1ebfn quan ng\u1ea1i – \u1ea2nh minh h\u1ecda: ITN<\/em><\/h5>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng g\u1ee3i \u00fd, \u201c\u00e9p\u201d kh\u00e9o kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 kho\u1ea3n vay \u0111\u01b0\u1ee3c thu\u1eadn l\u1ee3i. \u0110\u1eb7c bi\u1ec7t, n\u1ebfu kh\u00f4ng mua b\u1ea3o hi\u1ec3m, kho\u1ea3n vay s\u1ebd kh\u00f3 gi\u1ea3i ng\u00e2n v\u1edbi l\u00fd do nh\u01b0: H\u1ebft h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng; t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o ch\u01b0a \u0111\u1ee7;…<\/p>\n

Theo k\u1ebft qu\u1ea3 thanh tra \u0111\u1ed1i v\u1edbi 4 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cung c\u1ea5p s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng qua k\u00eanh ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho th\u1ea5y, 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. Ch\u1ec9 t\u00ednh ri\u00eang m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u00e1n qua m\u1ed9t ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 s\u1ed1 ph\u00ed b\u1ea3o hi\u1ec3m kh\u00e1ch h\u00e0ng h\u1ee7y n\u0103m \u0111\u1ea7u ti\u00ean kho\u1ea3ng 2.000 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

C\u1ee5 th\u1ec3, th\u1ed1ng k\u00ea cho th\u1ea5y n\u0103m 2020, trong h\u01a1n 23.000 t\u1ef7 \u0111\u1ed3ng l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf c\u1ee7a ph\u00ed h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c \u0111\u1ed9c quy\u1ec1n b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00e3 l\u00e0 9.200 t\u1ef7 \u0111\u1ed3ng (chi\u1ebfm 40%). Th\u1eadm ch\u00ed, li\u00ean quan \u0111\u1ebfn l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng ACB, trong 9.596 t\u1ef7 \u0111\u1ed3ng l\u1ee3i nhu\u1eadn th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c h\u01b0\u1edfng \u0111\u00e3 l\u00e0 8.400 t\u1ef7 \u0111\u1ed3ng (chi\u1ebfm 88%), ch\u01b0a t\u00ednh s\u1ed1 hoa h\u1ed3ng \u0111\u1ea1i l\u00fd tr\u00ean s\u1ed1 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c h\u01b0\u1edfng theo quy \u0111\u1ecbnh c\u1ee7a kinh doanh b\u1ea3o hi\u1ec3m.<\/p>\n

C\u00f9ng v\u1edbi \u0111\u00f3, t\u00ecnh tr\u1ea1ng t\u01b0 v\u1ea5n vi\u00ean t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u00fang, c\u1ed1 t\u00ecnh m\u1eadp m\u1edd khi t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng \u0111\u00e3 di\u1ec5n ra th\u1eddi gian d\u00e0i, khi\u1ebfn kh\u00e1ch h\u00e0ng g\u1eb7p kh\u00f4ng \u00edt kh\u00f3 kh\u0103n v\u00e0 m\u1ea5t ni\u1ec1m tin v\u00e0o b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/p>\n

C\u00e1c quy \u0111\u1ecbnh m\u1edbi t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) \u0111\u01b0\u1ee3c cho s\u1ebd l\u00e0 gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng b\u00e1n b\u1ea3o hi\u1ec3m theo ki\u1ec3u “bia k\u00e8m l\u1ea1c” – \u1ea2nh minh h\u1ecda: ITN<\/em><\/h5>\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, th\u1eddi gian qua, c\u00e1c l\u00f9m x\u00f9m li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u00e3 khi\u1ebfn nh\u1eefng c\u0103ng th\u1eb3ng gi\u1eefa kh\u00e1ch h\u00e0ng v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng gia t\u0103ng. Ph\u1ea7n l\u1edbn nguy\u00ean nh\u00e2n xoay quanh vi\u1ec7c c\u00e1c \u0111\u1ea1i l\u00fd t\u01b0 v\u1ea5n kh\u00f4ng ch\u00ednh x\u00e1c, m\u1eb7c d\u00f9 \u0111\u1ea1i l\u00fd \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1ee7y quy\u1ec1n \u0111\u1ec3 t\u01b0 v\u1ea5n, theo lu\u1eadt \u0111\u1ea1i l\u00fd l\u00e0m sai th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ecbu, song khi x\u1ea3y ra tranh ch\u1ea5p, kh\u00e1ch h\u00e0ng kh\u00f3 c\u00f3 th\u1ec3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c m\u00ecnh \u0111\u00e3 b\u1ecb t\u01b0 v\u1ea5n sai l\u1ec7ch, m\u1eadp m\u1edd.<\/p>\n

V\u00e0 tr\u01b0\u1edbc th\u1ef1c tr\u1ea1ng \u0111\u00e3 n\u00eau, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) v\u1eeba \u0111\u01b0\u1ee3c Qu\u1ed1c h\u1ed9i th\u00f4ng qua \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd l\u00e0 gi\u1ea3i ph\u00e1p h\u1eefu hi\u1ec7u ng\u0103n ch\u1eb7n vi\u1ec7c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n sai l\u1ec7ch hay t\u00ecnh tr\u1ea1ng g\u1ee3i \u00fd \u201c\u00e9p\u201d kh\u00e9o kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m khi vay, \u0111\u1ea3m b\u1ea3o c\u00f4ng khai, minh b\u1ea1ch ho\u1ea1t \u0111\u1ed9ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng.<\/p>\n

<\/h6>\n

C\u1ee5 th\u1ec3, theo \u0110i\u1ec1u 15 Lu\u1eadt c\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) quy \u0111\u1ecbnh, nghi\u00eam c\u1ea5m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh, nh\u00e2n vi\u00ean c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i g\u1eafn vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi vi\u1ec7c cung \u1ee9ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/p>\n

\u0110\u1ed3ng th\u1eddi, giao Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi t\u00ednh ch\u1ea5t v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

N\u00eau quan \u0111i\u1ec3m v\u1ec1 v\u1ea5n \u0111\u1ec1 \u0111\u00e3 n\u00eau, kh\u00f4ng \u00edt \u00fd ki\u1ebfn cho r\u1eb1ng, quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c Lu\u1eadt (s\u1eeda \u0111\u1ed5i) \u0111\u01b0a ra s\u1ebd l\u00e0 \u201cv\u00f2ng kim c\u00f4\u201d gi\u00fap ng\u0103n ch\u1eb7n hi\u1ec7n tr\u1ea1ng v\u1ea5n \u0111\u1ec1 b\u00e1n b\u1ea3o hi\u1ec3m theo ki\u1ec3u \u201cbia k\u00e8m l\u1ea1c\u201d.<\/p>\n

Trong \u0111\u00f3, theo Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng th\u1eddi gian qua xu\u1ea5t hi\u1ec7n nhi\u1ec1u gian d\u1ed1i, g\u00e2y m\u1ea5t ni\u1ec1m tin \u0111\u1ed1i v\u1edbi kh\u00e1ch, v\u00ec v\u1eady thu nh\u1eadp t\u1eeb ho\u1ea1t \u0111\u1ed9ng n\u00e0y \u1edf c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 ch\u1eadm l\u1ea1i t\u1eeb giai \u0111o\u1ea1n tr\u01b0\u1edbc khi Lu\u1eadt m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng qua.<\/em><\/h5>\n

\u201cQuy \u0111\u1ecbnh m\u1edbi s\u1ebd gi\u00fap ng\u0103n ch\u1eb7n vi\u1ec7c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 khi\u1ebfn kh\u00e1ch h\u00e0ng nh\u1ea7m l\u1eabn gi\u1eefa s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0 s\u1ea3n ph\u1ea9m ng\u00e2n h\u00e0ng, hay ph\u1ea3i mua b\u1ea3o hi\u1ec3m khi mu\u1ed1n vay v\u1ed1n… x\u1ea3y ra th\u1eddi gian qua\u201d, \u00d4ng \u0110\u1ee9c nh\u00ecn nh\u1eadn.<\/em><\/p>\n

\u0110\u1ed3ng quan \u0111i\u1ec3m n\u00eau tr\u00ean, \u00f4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n – gi\u1ea3ng vi\u00ean chuy\u00ean ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TP. H\u1ed3 Ch\u00ed Minh nh\u00ecn nh\u1eadn, sau nhi\u1ec1u n\u0103m ng\u01b0\u1eddi d\u00e2n b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m khi vay ng\u00e2n h\u00e0ng, vi\u1ec7c c\u1ea5m h\u00e0nh vi n\u00e0y \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o Lu\u1eadt l\u00e0 m\u1ed9t b\u01b0\u1edbc chuy\u1ec3n t\u1ed1t.<\/p>\n

Tuy nhi\u00ean, theo \u00f4ng \u0110\u00e1n, ph\u1ea3i h\u1ebft s\u1ee9c c\u1ea3nh gi\u00e1c v\u00ec n\u1ea1n \u00e9p mua b\u1ea3o hi\u1ec3m \u1edf ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 bi\u1ebfn t\u01b0\u1edbng qua nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau. V\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng vay ti\u1ec1n m\u1eb7c d\u00f9 kh\u00f4ng b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m cho ch\u00ednh m\u00ecnh, nh\u01b0ng l\u1ea1i b\u1ecb \u00e9p mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi th\u00e2n.<\/p>\n

C\u00f9ng v\u1edbi v\u1ea5n \u0111\u1ec1 \u0111\u00e3 n\u00eau, m\u1ed9t s\u1ed1 \u00fd ki\u1ebfn c\u0169ng cho hay, d\u00f9 t\u1ef7 l\u1ec7 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i Vi\u1ec7t Nam ch\u01b0a cao nh\u01b0ng hi\u1ec7n t\u1ea1i, nhi\u1ec1u kh\u00e1ch h\u00e0ng m\u1ea5t ni\u1ec1m tin, v\u00ec l\u00e0 b\u00ean y\u1ebfu th\u1ebf nh\u1ea5t trong chu\u1ed7i \u201cng\u01b0\u1eddi ti\u00eau d\u00f9ng – \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m – doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m\u201d. V\u00ec v\u1eady, ngay l\u00fac n\u00e0y, ng\u01b0\u1eddi d\u00e2n \u0111ang r\u1ea5t c\u1ea7n s\u1ef1 v\u00e0o cu\u1ed9c m\u1ea1nh m\u1ebd c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc, x\u1eed ph\u1ea1t m\u1ea1nh tay c\u00e1c sai ph\u1ea1m trong ng\u00e0nh, minh b\u1ea1ch th\u00f4ng tin v\u00e0 s\u1ed1 li\u1ec7u. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng, m\u00e0 c\u00f2n t\u1ea1o ni\u1ec1m tin cho nh\u1eefng \u0111\u1ea1i l\u00fd v\u00e0 doanh nghi\u1ec7p ch\u00e2n ch\u00ednh.<\/p>\n

Y\u1ebfn<\/strong> Nhung \u2013 Gia Nguy\u1ec5n<\/strong><\/p>\n

————-<\/em><\/p>\n

Di\u1ec5n<\/em><\/strong> \u0111\u00e0n Doanh nghi\u1ec7p (Ph\u00e1p lu\u1eadt) 24-01-2024 <\/em><\/strong><\/p>\n

https:\/\/diendandoanhnghiep.vn\/ngan-chan-van-nan-ban-bao-hiem-kieu-bia-kem-lac-258200.html<\/a> <\/em><\/p>\n

(<\/em>111\/1.154<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

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