{"id":39268,"date":"2024-03-22T17:43:19","date_gmt":"2024-03-22T10:43:19","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39268"},"modified":"2024-10-04T11:02:57","modified_gmt":"2024-10-04T04:02:57","slug":"3-703-bancassurance-van-chua-qua-bien-co","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-703-bancassurance-van-chua-qua-bien-co\/","title":{"rendered":"3.703. Bancassurance v\u1eabn ch\u01b0a qua “bi\u1ebfn c\u1ed1”"},"content":{"rendered":"

Bancassurance v\u1eabn ch\u01b0a qua “bi\u1ebfn c\u1ed1”<\/span><\/h4>\n
(\u0110TCK)\u00a0<\/strong>– <\/strong>Ngu\u1ed3n thu t\u1eeb m\u1ea3ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi si\u1ebft ch\u1eb7t h\u01a1n v\u1edbi ho\u1ea1t \u0111\u1ed9ng n\u00e0y.<\/strong><\/h5>\n

\"Bancassurance<\/p>\n

Theo quy \u0111\u1ecbnh m\u1edbi, ng\u00e2n h\u00e0ng b\u1ecb c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m k\u00e8m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9<\/em><\/p>\n

Si\u1ebft ch\u1eb7t bancassurance<\/strong><\/h5>\n

M\u1edbi \u0111\u00e2y, B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh H\u1ed3 \u0110\u1ee9c Ph\u1edbc cho hay, n\u0103m 2024, B\u1ed9 T\u00e0i ch\u00ednh c\u00f3 k\u1ebf ho\u1ea1ch thanh tra 6 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m; trong \u0111\u00f3, s\u1ebd thanh tra vi\u1ec7c tri\u1ec3n khai b\u00e1n b\u1ea3o hi\u1ec3m qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u1ed1i v\u1edbi 2 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (C\u00f4ng ty TNHH B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Mirae Asset Pr\u00e9voir, C\u00f4ng ty TNHH B\u1ea3o hi\u1ec3m Cathay Life Vi\u1ec7t Nam).<\/p>\n

Theo \u00f4ng Ph\u1edbc, vi\u1ec7c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) gi\u00fap ho\u1ea1t \u0111\u1ed9ng khai th\u00e1c b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean \u0111a d\u1ea1ng nh\u01b0ng c\u0169ng t\u1ea1o ra s\u1ef1 ph\u1ee9c t\u1ea1p h\u01a1n, c\u1ea7n ch\u1ea5n ch\u1ec9nh \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng \u0111\u00fang h\u01b0\u1edbng, l\u00e0nh m\u1ea1nh.<\/p>\n

B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 nghi\u00ean c\u1ee9u \u0111\u1ec3 tr\u00ecnh c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n b\u1ed5 sung nhi\u1ec1u quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt nh\u1eb1m k\u1ecbp th\u1eddi \u0111i\u1ec1u ch\u1ec9nh nh\u1eefng v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh c\u1ee7a th\u1ecb tr\u01b0\u1eddng, t\u0103ng c\u01b0\u1eddng t\u00ednh minh b\u1ea1ch th\u00f4ng tin v\u00e0 b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 c\u00f3 vi\u1ec7c b\u1ed5 sung c\u00e1c quy \u0111\u1ecbnh nh\u1eb1m ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng \u201c\u00e9p\u201d mua b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng ho\u1eb7c t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u00fang v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd ph\u1ea3i gi\u1ea3i th\u00edch r\u00f5 cho kh\u00e1ch h\u00e0ng v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ea3n ph\u1ea9m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c \u0111\u1ec3 s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 kh\u00e1c c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd, t\u1ee9c kh\u00f4ng \u201c\u00e9p\u201d mua b\u1ea3o hi\u1ec3m.<\/p>\n

<\/h6>\n

N\u0103m 2023 c\u00f3 th\u1ec3 xem l\u00e0 n\u0103m nhi\u1ec1u bi\u1ebfn c\u1ed1 v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi k\u00eanh bancassurance, khi h\u00e0ng lo\u1ea1t kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh v\u1ec1 vi\u1ec7c b\u1ecb \u201c\u00e9p\u201d mua b\u1ea3o hi\u1ec3m khi vay v\u1ed1n t\u1ea1i ng\u00e2n h\u00e0ng, ho\u1eb7c b\u1ecb \u201ch\u00f4 bi\u1ebfn\u201d s\u1ed5 ti\u1ebft ki\u1ec7m th\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u2026 Nh\u1eefng v\u1ee5 vi\u1ec7c n\u00e0y \u0111\u00e3 g\u00e2y b\u1ee9c x\u00fac trong d\u01b0 lu\u1eadn, l\u00e0m suy gi\u1ea3m nghi\u00eam tr\u1ecdng ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1edbi doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 k\u00eanh ph\u00e2n ph\u1ed1i n\u00e0y. Thu nh\u1eadp t\u1eeb m\u1ea3ng bancassurance c\u1ee7a nhi\u1ec1u nh\u00e0 b\u0103ng theo \u0111\u00f3 lao d\u1ed1c.<\/p>\n

T\u1ea1i MB, v\u00e0i n\u0103m tr\u01b0\u1edbc, doanh thu t\u1eeb m\u1ea3ng kinh doanh b\u1ea3o hi\u1ec3m t\u0103ng tr\u01b0\u1edfng r\u1ea5t nhanh v\u00e0 \u0111\u00f3ng g\u00f3p kh\u00f4ng nh\u1ecf v\u00e0o b\u1ee9c tranh l\u1ee3i nhu\u1eadn chung c\u1ee7a Ng\u00e2n h\u00e0ng. T\u1eeb m\u1ee9c doanh thu 1.800 t\u1ef7 \u0111\u1ed3ng ghi nh\u1eadn trong n\u0103m 2017, m\u1ea3ng n\u00e0y \u0111\u00e3 \u0111em v\u1ec1 h\u01a1n 10.000 t\u1ef7 \u0111\u1ed3ng doanh thu cho MB trong n\u0103m 2022. Tuy nhi\u00ean, sang n\u0103m 2023, m\u1ea3ng n\u00e0y \u0111\u00e3 ghi nh\u1eadn doanh thu gi\u1ea3m 19%. MB hi\u1ec7n s\u1edf h\u1eefu hai c\u00f4ng ty con trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m l\u00e0 MIC, v\u1edbi t\u1ef7 l\u1ec7 n\u1eafm gi\u1eef 68,37% c\u1ed5 ph\u1ea7n v\u00e0 MB Ageas (MBAL), v\u1edbi 61% c\u1ed5 ph\u1ea7n.<\/p>\n

Kh\u00f4ng n\u1eb1m ngo\u00e0i xu h\u01b0\u1edbng chung, doanh thu t\u1eeb d\u1ecbch v\u1ee5 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m trong n\u0103m qua c\u1ee7a SeABank th\u1eadm ch\u00ed c\u00f2n gi\u1ea3m t\u1edbi 73% so v\u1edbi n\u0103m 2022, ch\u1ec9 \u0111\u1ea1t 144,7 t\u1ef7 \u0111\u1ed3ng.<\/h5>\n

T\u01b0\u01a1ng t\u1ef1, thu nh\u1eadp t\u1eeb hoa h\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a VIB c\u1ea3 n\u0103m 2023 ch\u1ec9 \u0111\u1ea1t 879 t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m 32% so v\u1edbi m\u1ee9c h\u01a1n 1.300 t\u1ef7 \u0111\u1ed3ng trong n\u0103m 2022. L\u00e3i thu\u1ea7n nh\u00e0 b\u0103ng n\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb hoa h\u1ed3ng b\u1ea3o hi\u1ec3m sau khi tr\u1eeb chi ph\u00ed c\u00f2n h\u01a1n 776 t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m g\u1ea7n 33%. TPBank th\u00ec \u201cb\u1ed1c h\u01a1i\u201d g\u1ea7n 57% doanh thu d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m so v\u1edbi n\u0103m 2022, ch\u1ec9 \u0111\u1ea1t h\u01a1n 377 t\u1ef7 \u0111\u1ed3ng t\u1eeb m\u1ea3ng n\u00e0y trong n\u0103m qua. Doanh thu t\u1eeb d\u1ecbch v\u1ee5 h\u1ee3p t\u00e1c b\u1ea3o hi\u1ec3m trong n\u0103m 2023 c\u1ee7a Techcombank ch\u1ec9 \u0111\u1ea1t h\u01a1n 667 t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m t\u1edbi 62% so v\u1edbi n\u0103m 2022…<\/p>\n

N\u0103m 2024, b\u00ean c\u1ea1nh kh\u00f3 kh\u0103n t\u1eeb cu\u1ed9c kh\u1ee7ng ho\u1ea3ng ni\u1ec1m tin, m\u1ea3ng ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c nh\u00ecn nh\u1eadn s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng l\u1edbn t\u1eeb Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (s\u1eeda \u0111\u1ed5i), trong \u0111\u00f3 c\u00f3 n\u1ed9i dung c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m k\u00e8m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/p>\n

C\u00e1c chuy\u00ean gia MBS Research nh\u1eadn \u0111\u1ecbnh, v\u1edbi quy \u0111\u1ecbnh m\u1edbi t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i, ho\u1ea1t \u0111\u1ed9ng bancassurance s\u1ebd \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n, \u0111i\u1ec1u n\u00e0y khi\u1ebfn t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp t\u1eeb bancassurance c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ch\u1eadm l\u1ea1i so v\u1edbi giai \u0111o\u1ea1n 2019 – 2021 v\u00e0 c\u1ea7n th\u1eddi gian d\u00e0i \u0111\u1ec3 ph\u1ee5c h\u1ed3i, \u0111\u1eb7c bi\u1ec7t v\u1edbi nh\u00f3m ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 tr\u1ecdng thu nh\u1eadp bancassurance trong t\u1ed5ng thu nh\u1eadp l\u00e3i ngo\u00e0i cao nh\u01b0 VIB, ACB\u2026<\/p>\n

Kh\u00f3 ph\u1ee5c h\u1ed3i trong ng\u1eafn h\u1ea1n<\/strong><\/h5>\n

Doanh thu d\u1ecbch v\u1ee5 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a SeABank n\u0103m 2023 gi\u1ea3m t\u1edbi 73% so v\u1edbi n\u0103m 2022, ch\u1ec9 \u0111\u1ea1t 144,7 t\u1ef7 \u0111\u1ed3ng.<\/em><\/p>\n

Ch\u00ednh ng\u00e2n h\u00e0ng c\u0169ng th\u1eeba nh\u1eadn, kh\u00f3 k\u1ef3 v\u1ecdng m\u1ea3ng kinh doanh b\u1ea3o hi\u1ec3m h\u1ed3i ph\u1ee5c trong n\u0103m nay. \u00d4ng L\u01b0u Trung Th\u00e1i, Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb Ng\u00e2n h\u00e0ng MB cho hay, d\u1ef1 b\u00e1o c\u00f4ng ty t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng, b\u1ea3o hi\u1ec3m thu\u1ed9c MB s\u1ebd c\u00f2n kh\u00f3 kh\u0103n.<\/p>\n

MB \u0111\u00e3 \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn n\u0103m 2024. Theo \u0111\u00f3, \u0111\u1ed9ng l\u1ef1c cho k\u1ebf ho\u1ea1ch l\u1ee3i nhu\u1eadn h\u01a1n 28.800 \u0111\u1ed3ng trong n\u0103m nay \u0111\u01b0\u1ee3c MB \u0111\u1eb7t v\u00e0o m\u1ea3ng b\u00e1n l\u1ebb, SME, ng\u00e2n h\u00e0ng s\u1ed1…<\/p>\n

Nh\u00ecn nh\u1eadn v\u1ec1 tri\u1ec3n v\u1ecdng kinh doanh c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m 2024, TS. Nguy\u1ec5n Anh V\u0169, Tr\u01b0\u1edfng khoa T\u00e0i ch\u00ednh, \u0110\u1ea1i h\u1ecdc Ng\u00e2n h\u00e0ng TP.HCM cho r\u1eb1ng, l\u00e3i su\u1ea5t huy \u0111\u1ed9ng ti\u1ebfp t\u1ee5c gi\u1ea3m v\u00e0 duy tr\u00ec \u1edf m\u1ee9c th\u1ea5p, l\u00e3i su\u1ea5t ti\u1ec1n g\u1eedi 12 th\u00e1ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111ang d\u01b0\u1edbi m\u1ee9c 5%\/n\u0103m h\u1eadu thu\u1eabn cho bi\u00ean l\u00e3i r\u00f2ng (NIM) c\u1ee7a ng\u00e2n h\u00e0ng t\u0103ng l\u00ean.<\/p>\n

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u1ec3 duy tr\u00ec ch\u00ednh s\u00e1ch ti\u1ec1n t\u1ec7 n\u1edbi l\u1ecfng nhi\u1ec1u h\u01a1n \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf… Tuy nhi\u00ean, h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi \u00e1p l\u1ef1c n\u1ee3 x\u1ea5u gia t\u0103ng, do th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n tr\u1ea7m l\u1eafng v\u00e0 ng\u00e2n h\u00e0ng kh\u00f3 x\u1eed l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o \u0111\u1ec3 thu h\u1ed3i n\u1ee3. Trong khi m\u1ea3ng t\u00edn d\u1ee5ng – m\u1ea3ng kinh doanh ch\u00ednh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111ang g\u1eb7p kh\u00f3 kh\u0103n th\u00ec ngu\u1ed3n thu ngo\u00e0i l\u00e3i c\u0169ng b\u1ecb \u1ea3nh h\u01b0\u1edfng, do ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng b\u1ecb si\u1ebft l\u1ea1i.<\/p>\n

<\/h6>\n

T\u1eeb g\u00f3c nh\u00ecn c\u1ee7a Lu\u1eadt s\u01b0\u00a0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/strong><\/a>, 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 h\u00e0ng, 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 tr\u01b0\u1edbc khi lu\u1eadt m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng qua.<\/em><\/p>\n

Theo lu\u1eadt s\u01b0 \u0110\u1ee9c, vi\u1ec7c 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, 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. Quy \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 – \u0111i\u1ec1u th\u01b0\u1eddng x\u1ea3y ra th\u1eddi gian qua.<\/em><\/p>\n

M\u1ed9t chuy\u00ean gia trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng c\u0169ng cho r\u1eb1ng, doanh thu t\u1eeb bancassurance c\u00f3 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n khi ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng h\u1ed3i ph\u1ee5c. Tuy nhi\u00ean, theo quan \u0111i\u1ec3m c\u1ee7a v\u1ecb chuy\u00ean gia n\u00e0y, kh\u00f4ng n\u00ean \u0111\u1ec3 ng\u00e2n h\u00e0ng l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m nh\u01b0 hi\u1ec7n nay. Thay v\u00e0o \u0111\u00f3, ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u00f3ng vai tr\u00f2 l\u00e0 \u0111\u01a1n v\u1ecb gi\u1edbi thi\u1ec7u kh\u00e1ch h\u00e0ng, c\u00f2n vi\u1ec7c t\u01b0 v\u1ea5n, b\u00e1n b\u1ea3o hi\u1ec3m ph\u1ea3i do doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n.<\/p>\n

<\/h6>\n

Trong khi \u0111\u00f3, b\u00e0 Ph\u1ea1m Li\u00ean H\u00e0, Gi\u00e1m \u0111\u1ed1c Nghi\u00ean c\u1ee9u d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, C\u00f4ng ty Ch\u1ee9ng kho\u00e1n TP.HCM (HSC) \u0111\u00e1nh gi\u00e1, b\u1ee9c tranh ng\u00e0nh ng\u00e2n h\u00e0ng n\u0103m 2024 c\u00f3 nhi\u1ec1u y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i nh\u01b0ng r\u1ee7i ro ng\u1eafn h\u1ea1n v\u1eabn c\u00f2n ti\u1ec1m \u1ea9n. T\u1ef7 l\u1ec7 thu nh\u1eadp l\u00e3i c\u1eadn bi\u00ean (NIM) sau khi suy gi\u1ea3m m\u1ee9c trung b\u00ecnh 50 \u0111i\u1ec3m c\u01a1 b\u1ea3n trong n\u0103m 2023 s\u1ebd c\u00f3 s\u1ef1 h\u1ed3i ph\u1ee5c nh\u1eb9 kho\u1ea3ng 20 – 30 \u0111i\u1ec3m c\u01a1 b\u1ea3n trong n\u0103m nay. \u0110\u1ed1i v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng thu ph\u00ed c\u0169ng c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng nh\u1ea5t \u0111\u1ecbnh so v\u1edbi n\u0103m ngo\u00e1i, v\u1edbi s\u1ef1 h\u1ed3i ph\u1ee5c nh\u1eb9 t\u1eeb m\u1ea3ng bancassurane.<\/p>\n

V\u00e2n<\/strong> Linh<\/strong><\/p>\n

————-<\/em><\/p>\n

\u0110\u1ea7u<\/em><\/strong> t\u01b0 Ch\u1ee9ng kho\u00e1n (T\u00e0i ch\u00ednh) 22-3-2024:<\/em><\/strong><\/p>\n

https:\/\/www.tinnhanhchungkhoan.vn\/bancassurance-van-chua-qua-bien-co-post341344.html<\/a> <\/em><\/p>\n

(<\/em>164\/1.491<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Bancassurance v\u1eabn ch\u01b0a qua “bi\u1ebfn c\u1ed1” (\u0110TCK)\u00a0– Ngu\u1ed3n thu t\u1eeb m\u1ea3ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi si\u1ebft ch\u1eb7t h\u01a1n v\u1edbi ho\u1ea1t \u0111\u1ed9ng n\u00e0y. Theo quy \u0111\u1ecbnh m\u1edbi, ng\u00e2n h\u00e0ng b\u1ecb c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m k\u00e8m d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng […]<\/p>\n","protected":false},"author":2,"featured_media":39269,"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-39268","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":"\n3.703. Bancassurance v\u1eabn ch\u01b0a qua "bi\u1ebfn c\u1ed1" - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1: Ngu\u1ed3n thu t\u1eeb m\u1ea3ng b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c NH d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi...\" \/>\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\/3-703-bancassurance-van-chua-qua-bien-co\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.703. Bancassurance v\u1eabn ch\u01b0a qua "bi\u1ebfn c\u1ed1"[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1: Ngu\u1ed3n thu t\u1eeb m\u1ea3ng b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c NH d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-22T10:43:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-04T04:02:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/03\/Picture1-28.png\" \/>\n\t<meta property=\"og:image:width\" content=\"945\" \/>\n\t<meta property=\"og:image:height\" content=\"631\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"3.703. Bancassurance v\u1eabn ch\u01b0a qua “bi\u1ebfn c\u1ed1”\",\"datePublished\":\"2024-03-22T10:43:19+00:00\",\"dateModified\":\"2024-10-04T04:02:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/\"},\"wordCount\":2292,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Picture1-28.png\",\"keywords\":[\"Lu\u1eadt s\u01b0 B\u1ea3o hi\u1ec3m\",\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"Tr\u00edch d\u1eabn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/\",\"name\":\"[:vi]3.703. Bancassurance v\u1eabn ch\u01b0a qua \\\"bi\u1ebfn c\u1ed1\\\"[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Picture1-28.png\",\"datePublished\":\"2024-03-22T10:43:19+00:00\",\"dateModified\":\"2024-10-04T04:02:57+00:00\",\"description\":\"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1: Ngu\u1ed3n thu t\u1eeb m\u1ea3ng b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c NH d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi...\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Picture1-28.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Picture1-28.png\",\"width\":945,\"height\":631,\"caption\":\"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-703-bancassurance-van-chua-qua-bien-co\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"(Ti\u1ebfng Vi\u1ec7t) 3.703. Bancassurance v\u1eabn ch\u01b0a qua “bi\u1ebfn c\u1ed1”\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\",\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"caption\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\"},\"sameAs\":[\"https:\\\/\\\/anvilaw.com\"],\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/ductt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]3.703. Bancassurance v\u1eabn ch\u01b0a qua \"bi\u1ebfn c\u1ed1\"[:] - ANVI Law Firm","description":"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1: Ngu\u1ed3n thu t\u1eeb m\u1ea3ng b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c NH d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]3.703. Bancassurance v\u1eabn ch\u01b0a qua \"bi\u1ebfn c\u1ed1\"[:] - ANVI Law Firm","og_description":"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1: Ngu\u1ed3n thu t\u1eeb m\u1ea3ng b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c NH d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi...","og_url":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2024-03-22T10:43:19+00:00","article_modified_time":"2024-10-04T04:02:57+00:00","og_image":[{"width":945,"height":631,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/03\/Picture1-28.png","type":"image\/png"}],"author":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"9 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/"},"author":{"name":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e"},"headline":"3.703. Bancassurance v\u1eabn ch\u01b0a qua “bi\u1ebfn c\u1ed1”","datePublished":"2024-03-22T10:43:19+00:00","dateModified":"2024-10-04T04:02:57+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/"},"wordCount":2292,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/03\/Picture1-28.png","keywords":["Lu\u1eadt s\u01b0 B\u1ea3o hi\u1ec3m","Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["Tr\u00edch d\u1eabn","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi"},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/","url":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/","name":"[:vi]3.703. Bancassurance v\u1eabn ch\u01b0a qua \"bi\u1ebfn c\u1ed1\"[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/03\/Picture1-28.png","datePublished":"2024-03-22T10:43:19+00:00","dateModified":"2024-10-04T04:02:57+00:00","description":"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1: Ngu\u1ed3n thu t\u1eeb m\u1ea3ng b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c NH d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c suy gi\u1ea3m trong n\u0103m nay, khi quy \u0111\u1ecbnh m\u1edbi...","breadcrumb":{"@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/03\/Picture1-28.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/03\/Picture1-28.png","width":945,"height":631,"caption":"Bancassurance v\u1eabn ch\u01b0a qua bi\u1ebfn c\u1ed1"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/en\/3-703-bancassurance-van-chua-qua-bien-co\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"(Ti\u1ebfng Vi\u1ec7t) 3.703. Bancassurance v\u1eabn ch\u01b0a qua “bi\u1ebfn c\u1ed1”"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e","name":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","caption":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c"},"sameAs":["https:\/\/anvilaw.com"],"url":"https:\/\/anvilaw.com\/vi\/author\/ductt\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/39268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=39268"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/39268\/revisions"}],"predecessor-version":[{"id":42083,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/39268\/revisions\/42083"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/39269"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=39268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=39268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=39268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}