{"id":38885,"date":"2024-01-31T16:00:24","date_gmt":"2024-01-31T09:00:24","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=38885"},"modified":"2024-10-10T10:50:58","modified_gmt":"2024-10-10T03:50:58","slug":"3-655-ngan-hang-het-thoi-hai-ra-tien-nho-bao-hiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-655-ngan-hang-het-thoi-hai-ra-tien-nho-bao-hiem\/","title":{"rendered":"3.655. Ng\u00e2n h\u00e0ng h\u1ebft th\u1eddi \u201ch\u00e1i ra ti\u1ec1n\u201d nh\u1edd b\u1ea3o hi\u1ec3m"},"content":{"rendered":"

Ng\u00e2n h\u00e0ng h\u1ebft th\u1eddi \u201ch\u00e1i ra ti\u1ec1n\u201d nh\u1edd b\u1ea3o hi\u1ec3m<\/span><\/h4>\n
(\u0110T) – N\u0103m 2023, thu nh\u1eadp t\u1eeb b\u1ea3o hi\u1ec3m c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1ee5t gi\u1ea3m s\u00e2u. Vi\u1ec7c Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i), c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/7\/2024, ch\u00ednh th\u1ee9c c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m \u201cbia k\u00e8m l\u1ea1c\u201d s\u1ebd khi\u1ebfn m\u1ea3ng kinh doanh n\u00e0y kh\u00f3 kh\u0103n h\u01a1n.<\/strong><\/h5>\n\n\n\n\n
\"Ng\u00e2n<\/td>\n<\/tr>\n
Doanh thu t\u1eeb b\u1ea3o hi\u1ec3m c\u1ee7a\u00a0ng\u00e2n h\u00e0ng\u00a0gi\u1ea3m m\u1ea1nh trong n\u0103m qua do nh\u1eefng l\u00f9m x\u00f9m li\u00ean quan bancassurance. \u1ea2nh: \u0110.T<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Doanh thu b\u1ea3o hi\u1ec3m gi\u1ea3m s\u00e2u<\/strong><\/h6>\n

N\u0103m 2023 l\u00e0 n\u0103m kh\u00f3 kh\u0103n nh\u1ea5t c\u1ee7a\u00a0doanh nghi\u1ec7p\u00a0kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 c\u0169ng l\u00e0 n\u0103m ghi nh\u1eadn m\u1ee9c s\u1ee5t gi\u1ea3m s\u00e2u nh\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

B\u00e1o c\u00e1o\u00a0t\u00e0i ch\u00ednh\u00a0qu\u00fd IV\/2023 cho th\u1ea5y, doanh thu b\u00e1n b\u1ea3o hi\u1ec3m c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng gi\u1ea3m t\u1edbi 60-70%.<\/p>\n

C\u1ee5 th\u1ec3, n\u0103m 2023, thu nh\u1eadp t\u1eeb b\u1ea3o hi\u1ec3m c\u1ee7a VIB ch\u1ec9 c\u00f2n 879 t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m 32,5% so v\u1edbi n\u0103m tr\u01b0\u1edbc \u0111\u00f3. T\u1ea1i TPBank, doanh thu t\u1eeb d\u1ecbch v\u1ee5 kinh doanh, d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m v\u00e0 t\u01b0 v\u1ea5n n\u0103m 2023 gi\u1ea3m t\u1edbi 57%, ch\u1ec9 c\u00f2n 377 t\u1ef7 \u0111\u1ed3ng. T\u01b0\u01a1ng t\u1ef1, t\u1ea1i Techcombank, thu nh\u1eadp t\u1eeb h\u1ee3p t\u00e1c b\u1ea3o hi\u1ec3m trong n\u0103m qua gi\u1ea3m t\u1edbi 62%, ch\u1ec9 \u0111\u1ea1t 667 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng ch\u01b0a c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh qu\u00fd IV\/2023, song k\u1ebft qu\u1ea3 kinh doanh 9 th\u00e1ng c\u0169ng cho th\u1ea5y, doanh thu t\u1eeb b\u1ea3o hi\u1ec3m s\u1ee5t gi\u1ea3m r\u1ea5t m\u1ea1nh. Theo \u0111\u00f3, doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m c\u1ee7a MB gi\u1ea3m g\u1ea7n 17%, c\u1ee7a SeABank gi\u1ea3m h\u01a1n 80%, c\u1ee7a KienLongBank gi\u1ea3m 51%, c\u1ee7a VPBank gi\u1ea3m 23,6%…<\/p>\n

<\/h6>\n

H\u00e0ng lo\u1ea1t l\u00f9m x\u00f9m li\u00ean quan k\u00eanh ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) \u0111\u00e3 k\u00e9o ni\u1ec1m tin tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m s\u1ee5t gi\u1ea3m v\u1ec1 \u0111\u00e1y l\u1ecbch s\u1eed. Doanh thu ph\u00ed th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u1ea3 n\u0103m 2023 gi\u1ea3m h\u01a1n 8,3%, l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111i l\u00f9i sau 10 n\u0103m.<\/p>\n

Sau kh\u1ee7ng ho\u1ea3ng ni\u1ec1m tin, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u00e3 v\u00e0o cu\u1ed9c, thanh tra m\u1ed9t lo\u1ea1t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, x\u1eed l\u00fd v\u00e0 ch\u1ea5n ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m, bao g\u1ed3m c\u1ea3 ho\u1ea1t \u0111\u1ed9ng bancassurance. \u0110\u00e2y l\u00e0 nguy\u00ean nh\u00e2n khi\u1ebfn thu nh\u1eadp t\u1eeb b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng s\u1ee5t gi\u1ea3m m\u1ea1nh.<\/p>\n

Hoa h\u1ed3ng t\u1eeb b\u1ea3o hi\u1ec3m v\u00f4 c\u00f9ng h\u1ea5p d\u1eabn l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng \u00e9p ng\u01b0\u1eddi vay ph\u1ea3i mua b\u1ea3o hi\u1ec3m, \u201ch\u00f4 bi\u1ebfn\u201d h\u1ee3p \u0111\u1ed3ng ti\u1ec1n g\u1eedi th\u00e0nh h\u1ee3p \u0111\u1ed3ng mua b\u1ea3o hi\u1ec3m\u2026<\/h5>\n

Theo \u0111\u1ea1i bi\u1ec3u Qu\u1ed1c h\u1ed9i Ph\u1ea1m V\u0103n Th\u1ecbnh (B\u1eafc Giang), m\u1ee9c chi\u1ebft kh\u1ea5u t\u1ed1i \u0111a cho \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi 2 lo\u1ea1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ph\u1ed5 bi\u1ebfn l\u00e0 b\u1ea3o hi\u1ec3m t\u1eed k\u1ef3 v\u00e0 b\u1ea3o hi\u1ec3m h\u1ed7n h\u1ee3p l\u00ean t\u1edbi 40% ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m \u0111\u1ea7u. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u00f3 li\u00ean k\u1ebft l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng g\u1ee3i \u00fd, \u00e9p kh\u00e1ch h\u00e0ng vay v\u1ed1n ph\u1ea3i mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi m\u1ee9c \u0111\u00f3ng 1 n\u0103m b\u1eb1ng 2-4% gi\u00e1 tr\u1ecb kho\u1ea3n vay. T\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c giao ch\u1ec9 ti\u00eau v\u1ec1 s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 doanh thu ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. R\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e3i ng\u00e0n t\u1ef7 \u0111\u1ed3ng nh\u1edd d\u1ecbch v\u1ee5 b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/p>\n

B\u1ea3o hi\u1ec3m v\u1eabn l\u00e0 \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d c\u1ee7a ng\u00e2n h\u00e0ng?<\/strong><\/h5>\n

M\u1edbi \u0111\u00e2y, Qu\u1ed1c h\u1ed9i \u0111\u00e3 th\u00f4ng qua Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i), ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/7\/2024, trong \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m \u201cbia k\u00e8m l\u1ea1c\u201d.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, cu\u1ed1i n\u0103m 2023, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 67\/2023\/TT-BTC 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. Th\u00f4ng t\u01b0 n\u00e0y y\u00eau c\u1ea7u ph\u1ea3i ghi \u00e2m qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m\u00a0\u0111\u1ea7u t\u01b0, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i cung c\u1ea5p t\u00e0i li\u1ec7u t\u00f3m t\u1eaft v\u1ec1 s\u1ea3n ph\u1ea9m, h\u1ed7 tr\u1ee3 b\u00ean mua hi\u1ec3u th\u00f4ng tin trong h\u1ee3p \u0111\u1ed3ng. Ngo\u00e0i ra, \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n ch\u1ee7 \u0111\u1ed9ng tham gia c\u1ee7a kh\u00e1ch h\u00e0ng, Th\u00f4ng t\u01b0 s\u1ed1 67\/2023\/TT-BTC b\u1ed5 sung quy \u0111\u1ecbnh: t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n, gi\u1edbi thi\u1ec7u, ch\u00e0o b\u00e1n, thu x\u1ebfp vi\u1ec7c giao k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 cho kh\u00e1ch h\u00e0ng trong th\u1eddi h\u1ea1n tr\u01b0\u1edbc 60 ng\u00e0y v\u00e0 sau 60 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y gi\u1ea3i ng\u00e2n to\u00e0n b\u1ed9 kho\u1ea3n vay.<\/p>\n

ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m l\u00e0 t\u1ea5t y\u1ebfu, song ph\u1ea3i c\u00f4ng khai, minh b\u1ea1ch, r\u00f5 r\u00e0ng v\u00e0 tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n. 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, quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o.<\/em><\/strong><\/h5>\n

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><\/em><\/em><\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia, vi\u1ec7c th\u1eaft ch\u1eb7t khung kh\u1ed5 ph\u00e1p l\u00fd v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc m\u1eaft s\u1ebd khi\u1ebfn doanh thu c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m s\u1ee5t gi\u1ea3m trong n\u0103m 2024. Tuy nhi\u00ean, v\u1ec1 l\u00e2u d\u00e0i, ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd s\u1ebd gi\u00fap th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m ph\u00e1t tri\u1ec3n minh b\u1ea1ch, b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n, t\u1eeb \u0111\u00f3 v\u1ef1c d\u1eady ni\u1ec1m tin.<\/p>\n

Th\u1ef1c t\u1ebf, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) ch\u1ec9 c\u1ea5m ng\u00e2n h\u00e0ng 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. C\u00f2n vi\u1ec7c kinh doanh \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng v\u1eabn \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/p>\n

<\/h6>\n

PGS-TS \u0110inh Tr\u1ecdng Th\u1ecbnh, chuy\u00ean gia\u00a0kinh t\u1ebf\u00a0cho r\u1eb1ng, bancassurance l\u00e0 k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng d\u1ee5ng \u1edf h\u1ea7u h\u1ebft qu\u1ed1c gia, kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam. Vi\u1ec7c b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch cho ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 c\u00f3 th\u1ec3 lan t\u1ecfa s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u1edbi kh\u00e1ch h\u00e0ng. T\u1ea5t nhi\u00ean, v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o minh b\u1ea1ch, t\u1ef1 nguy\u1ec7n, ng\u01b0\u1eddi mua hi\u1ec3u \u0111\u00fang b\u1ea3n ch\u1ea5t lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 m\u00ecnh mua. Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i) \u0111\u00e3 gi\u00fap ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m c\u1ee7a ng\u00e2n h\u00e0ng tr\u1edf n\u00ean minh b\u1ea1ch h\u01a1n.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, nhu c\u1ea7u v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 r\u1ea5t l\u1edbn v\u00e0 \u0111\u00e2y v\u1eabn l\u00e0 th\u1ecb tr\u01b0\u1eddng ti\u1ec1m n\u0103ng, c\u00f2n kh\u1ee7ng ho\u1ea3ng tr\u01b0\u1edbc m\u1eaft ch\u1ec9 l\u00e0 t\u1ea1m th\u1eddi. T\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m ch\u01b0a t\u1edbi 1%, d\u01b0 \u0111\u1ecba t\u0103ng tr\u01b0\u1edfng v\u1eabn c\u00f2n r\u1ea5t l\u1edbn. M\u1eb7c d\u00f9 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u0111ang h\u1ee9ng ch\u1ecbu nhi\u1ec1u l\u00f9m x\u00f9m do ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n b\u00e1n b\u1ea3o hi\u1ec3m \u1edf nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f3 v\u1ea5n \u0111\u1ec1, song l\u00e3nh \u0111\u1ea1o nhi\u1ec1u nh\u00e0 b\u0103ng tin t\u01b0\u1edfng, v\u1edbi h\u00e0nh lang ph\u00e1p l\u00fd r\u00f5 r\u00e0ng, chu\u1ea9n h\u00f3a quy tr\u00ecnh nghi\u1ec7p v\u1ee5, ra m\u1eaft c\u00e1c s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u kh\u00e1ch h\u00e0ng, m\u1ea3ng kinh doanh n\u00e0y s\u1ebd s\u1edbm \u0111\u01b0\u1ee3c v\u1ef1c d\u1eady.<\/p>\n

\u0110\u01a1n c\u1eed, t\u1ea1i Techcombank, doanh thu b\u1ea3o hi\u1ec3m gi\u1ea3m s\u00e2u trong c\u1ea3 n\u0103m 2023, song n\u1ebfu t\u00ednh ri\u00eang qu\u00fd IV\/2023 th\u00ec c\u00f3 s\u1ef1 kh\u1edfi s\u1eafc \u0111\u00e1ng k\u1ec3. C\u1ee5 th\u1ec3, thu t\u1eeb d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m qu\u00fd IV\/2023 c\u1ee7a Techcombank t\u0103ng 25,2% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2022. L\u00e3nh \u0111\u1ea1o Techcombank tin r\u1eb1ng, \u0111\u00e2y l\u00e0 ti\u1ec1n \u0111\u1ec1 \u0111\u1ec3 m\u1ea3ng n\u00e0y h\u1ed3i ph\u1ee5c m\u1ea1nh h\u01a1n trong n\u0103m 2024.<\/p>\n

H\u00e0 T\u00e2m<\/strong><\/p>\n

————-<\/em><\/p>\n

\u0110\u1ea7u t\u01b0 (Ng\u00e2n h\u00e0ng) 31-01-2024:<\/em><\/strong><\/p>\n

https:\/\/baodautu.vn\/ngan-hang-het-thoi-hai-ra-tien-nho-bao-hiem-d208184.html<\/a> <\/em><\/p>\n

(101\/1.289)<\/em>","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng h\u1ebft th\u1eddi \u201ch\u00e1i ra ti\u1ec1n\u201d nh\u1edd b\u1ea3o hi\u1ec3m (\u0110T) – N\u0103m 2023, thu nh\u1eadp t\u1eeb b\u1ea3o hi\u1ec3m c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1ee5t gi\u1ea3m s\u00e2u. Vi\u1ec7c Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i), c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/7\/2024, ch\u00ednh th\u1ee9c c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m \u201cbia k\u00e8m l\u1ea1c\u201d s\u1ebd khi\u1ebfn m\u1ea3ng […]<\/p>\n","protected":false},"author":2,"featured_media":38886,"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-38885","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":"\n3.655. 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