{"id":39634,"date":"2024-05-22T18:26:36","date_gmt":"2024-05-22T11:26:36","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39634"},"modified":"2024-10-02T10:44:23","modified_gmt":"2024-10-02T03:44:23","slug":"4-285-can-xem-xet-viec-cam-ngan-hang-ban-cac-san-pham-bao-hiem-lien-ket-dau-tu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-285-can-xem-xet-viec-cam-ngan-hang-ban-cac-san-pham-bao-hiem-lien-ket-dau-tu\/","title":{"rendered":"4.285. C\u1ea7n xem x\u00e9t vi\u1ec7c c\u1ea5m Ng\u00e2n h\u00e0ng b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0"},"content":{"rendered":"

C\u1ea7n xem x\u00e9t vi\u1ec7c c\u1ea5m Ng\u00e2n h\u00e0ng b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0<\/span><\/h4>\n
(CFF) – Theo \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n – Ph\u00f3 T\u1ed5ng Th\u01b0 k\u00fd, Tr\u01b0\u1edfng Ban ph\u00e1p ch\u1ebf – Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), c\u1ea7n xem x\u00e9t, c\u00e2n nh\u1eafc v\u1ec1 quy \u0111\u1ecbnh d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf Th\u00f4ng t\u01b0 s\u1ed1 40 v\u1ec1 vi\u1ec7c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0.<\/strong><\/h5>\n

\"C\u1ea7n<\/p>\n

“C\u1ea7n t\u00ecm bi\u1ec7n ph\u00e1p kh\u00e1c ph\u00f9 h\u1ee3p h\u01a1n thay v\u00ec c\u1ea5m”<\/strong><\/h5>\n

Nh\u1eefng ng\u00e0y g\u1ea7n \u0111\u00e2y, d\u01b0 lu\u1eadn \u0111ang \u0111\u1eb7c bi\u1ec7t quan t\u00e2m v\u1ec1 vi\u1ec7c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0.<\/p>\n

C\u1ee5 th\u1ec3, trong \u0110i\u1ec1u 16 c\u1ee7a d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf Th\u00f4ng t\u01b0 s\u1ed1 40\/2011\/TT-NHNN, Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0.<\/p>\n

Li\u00ean quan t\u1edbi v\u1ea5n \u0111\u1ec1 n\u00e0y, t\u1ea1i H\u1ed9i th\u1ea3o “Kh\u00f4i ph\u1ee5c ni\u1ec1m tin ng\u00e0nh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd: T\u1ea7m nh\u00ecn & Gi\u1ea3i ph\u00e1p” di\u1ec5n ra v\u00e0o ng\u00e0y 16\/5 v\u1eeba qua, \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n – Ph\u00f3 T\u1ed5ng Th\u01b0 k\u00fd, Tr\u01b0\u1edfng Ban ph\u00e1p ch\u1ebf – Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) cho r\u1eb1ng: Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u00fang l\u00e0 c\u00f2n m\u1ed9t s\u1ed1 t\u1ed3n t\u1ea1i c\u1ea7n kh\u1eafc ph\u1ee5c nh\u01b0ng vi\u1ec7c \u0111\u01b0a ra quy \u0111\u1ecbnh h\u1ea1n ch\u1ebf hay c\u1ea5m “Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0”, c\u00f3 l\u1ebd ph\u1ea3i c\u00e2n nh\u1eafc v\u00e0 \u0111\u00e1nh gi\u00e1 nh\u1eefng t\u00e1c \u0111\u1ed9ng nhi\u1ec1u chi\u1ec1u.<\/p>\n

“C\u00f3 th\u1ec3 c\u00f3 nh\u1eefng gi\u1ea3i ph\u00e1p kh\u00e1c \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 ch\u1ee9 c\u1ea5m hay h\u1ea1n ch\u1ebf ch\u1ec9 l\u00e0 “b\u1ea5t \u0111\u1eafc d\u0129”. B\u1edfi l\u1ebd, theo th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf, m\u00f4 h\u00ecnh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) v\u1eabn l\u00e0 m\u00f4 h\u00ecnh t\u01b0\u01a1ng \u0111\u1ed1i ph\u1ed5 bi\u1ebfn” \u2013 \u00f4ng Tu\u1ea5n nh\u1ea5n m\u1ea1nh.<\/p>\n

C\u0169ng theo \u00f4ng Tu\u1ea5n, tr\u01b0\u1edbc khi ban h\u00e0nh quy \u0111\u1ecbnh n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (SBV) s\u1ebd c\u1ea7n\u00a0ph\u1ea3i \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng c\u0169ng nh\u01b0 th\u1ea3o lu\u1eadn, trao \u0111\u1ed5i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam, ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00e1c b\u00ean li\u00ean quan kh\u00e1c (c\u01a1 quan qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m, hi\u1ec7p h\u1ed9i b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m\u2026) \u0111\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p nh\u1ea5t.<\/p>\n

Theo \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n – Ph\u00f3 T\u1ed5ng Th\u01b0 k\u00fd, Tr\u01b0\u1edfng Ban ph\u00e1p ch\u1ebf VCCI: C\u1ea7n xem x\u00e9t vi\u1ec7c c\u1ea5m hay h\u1ea1n ch\u1ebf ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, bancassurance \u0111ang l\u00e0 k\u00eanh ph\u00e2n ph\u1ed1i chi\u1ebfm v\u1ecb tr\u00ed th\u1ee9 hai trong t\u1ef7 tr\u1ecdng \u0111\u00f3ng g\u00f3p v\u00e0o doanh thu khai th\u00e1c m\u1edbi v\u00e0 t\u1ed5ng doanh thu ph\u00ed c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/p>\n

Hi\u1ec7n nay, t\u1ea5t c\u1ea3 19\/19 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec1u \u0111\u00e3 tri\u1ec3n khai bancassurance v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng k\u1ebft qu\u1ea3 nh\u1ea5t \u0111\u1ecbnh, gi\u00fap ti\u1ebft ki\u1ec7m chi ph\u00ed x\u00e2y d\u1ef1ng m\u1ea1ng l\u01b0\u1edbi ri\u00eang, nhanh ch\u00f3ng gia t\u0103ng th\u1ecb ph\u1ea7n, doanh thu\u2026<\/p>\n

N\u1ebfu quy \u0111\u1ecbnh m\u1edbi trong d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf Th\u00f4ng t\u01b0 s\u1ed1 40 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u01b0\u1ee3c th\u00f4ng qua s\u1ebd l\u00e0 “c\u00fa gi\u00e1ng” m\u1ea1nh v\u00e0o m\u00f4 h\u00ecnh bancassurance.<\/p>\n

Lu\u1eadt \u0111\u00e3 qu\u1ea3n l\u00fd r\u1ea5t ch\u1eb7t, sao c\u00f2n c\u1ea5m?<\/strong><\/h5>\n

Theo c\u00e1c chuy\u00ean gia nh\u1eadn \u0111\u1ecbnh: D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf Th\u00f4ng t\u01b0 s\u1ed1 40 v\u1ec1 vi\u1ec7c Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, ch\u01b0a ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ph\u00e1p lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m.<\/p>\n

Theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 c\u00f3 hai d\u00f2ng s\u1ea3n ph\u1ea9m ch\u00ednh l\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb, ph\u00f9 h\u1ee3p v\u1edbi l\u1ef1a ch\u1ecdn kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi ph\u1ea7n quy\u1ec1n l\u1ee3i \u0111\u1ea7u t\u01b0 trong c\u00f9ng m\u1ed9t s\u1ea3n ph\u1ea9m.<\/p>\n

Trong \u0111\u00f3, b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u1edbi \u0111\u1eb7c t\u00ednh \u01b0u vi\u1ec7t cho ph\u00e9p kh\u00e1ch h\u00e0ng linh ho\u1ea1t \u0111\u00f3ng ph\u00ed \u0111\u1ec3 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0111ang l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a c\u00e1c th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m tr\u00ean th\u1ebf gi\u1edbi.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, t\u1ef7 tr\u1ecdng \u0111\u00f3ng g\u00f3p doanh thu c\u1ee7a c\u00e1c d\u00f2ng s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft chung chi\u1ebfm kho\u1ea3ng 60% – 70% doanh s\u1ed1 khai th\u00e1c m\u1edbi c\u1ee7a th\u1ecb tr\u01b0\u1eddng trong c\u00e1c n\u0103m g\u1ea7n \u0111\u00e2y, trong \u0111\u00f3, k\u00eanh ph\u00e2n ph\u1ed1i ng\u00e2n h\u00e0ng \u0111\u00f3ng g\u00f3p t\u1edbi 50%.<\/p>\n

\"\"<\/p>\n

Lu\u1eadt s\u01b0\u00a0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0– Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/strong><\/a> (\u00e1o tr\u1eafng): Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd r\u1ea5t ch\u1eb7t ch\u1ebd \u0111\u1ec3 qu\u1ea3n l\u00fd m\u00f4 h\u00ecnh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng<\/em><\/p>\n

Lu\u1eadt s\u01b0\u00a0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0– Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/strong><\/a>, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam cho r\u1eb1ng, Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd r\u1ea5t ch\u1eb7t ch\u1ebd \u0111\u1ec3 qu\u1ea3n l\u00fd m\u00f4 h\u00ecnh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng. Ngh\u1ecb \u0111\u1ecbnh 46\/2023\/N\u0110-CP ng\u00e0y 01\/7\/2023 c\u1ee7a Ch\u00ednh ph\u1ee7 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 \u0111\u00e3 d\u00e0nh 17 \u0111i\u1ec1u (t\u1eeb \u0110i\u1ec1u 97 \u0111\u1ebfn \u0110i\u1ec1u 113) quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 v\u00e0 Th\u00f4ng t\u01b0 67\/2023\/TT-BTC ng\u00e0y 02\/11\/2023 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 b\u1ed5 sung m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh nh\u1eb1m t\u0103ng c\u01b0\u1eddng h\u01a1n n\u1eefa tr\u00e1ch nhi\u1ec7m c\u1ee7a doanh nghi\u1ec7p trong vi\u1ec7c gi\u00e1m s\u00e1t v\u00e0 ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a ho\u1ea1t \u0111\u1ed9ng Bancassurance.<\/em><\/p>\n

N\u1ed5i b\u1eadt nh\u1ea5t l\u00e0 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 c\u00e1c kh\u00e1ch h\u00e0ng trong th\u1eddi h\u1ea1n 60 ng\u00e0y tr\u01b0\u1edbc v\u00e0 60 ng\u00e0y sau ng\u00e0y gi\u1ea3i ng\u00e2n to\u00e0n b\u1ed9 kho\u1ea3n vay”\u2026<\/em><\/p>\n

Kho\u1ea3n 4, \u0110i\u1ec1u 97 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh c\u0169ng n\u00eau r\u00f5: doanh nghi\u1ec7p ph\u1ea3i thi\u1ebft l\u1eadp b\u1ea3ng minh h\u1ecda tr\u00ean website c\u1ee7a doanh nghi\u1ec7p \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 t\u1ef1 ki\u1ec3m tra, t\u00ecm hi\u1ec3u v\u1ec1 s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 k\u1ec3 t\u1eeb 01\/07\/2024.<\/em><\/p>\n

\u0110\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n ph\u1ea3i c\u00f3 ch\u1ee9ng ch\u1ec9 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m do B\u1ed9 T\u00e0i ch\u00ednh c\u1ea5p, bao g\u1ed3m ch\u1ee9ng ch\u1ec9 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u01a1 b\u1ea3n v\u00e0 ch\u1ee9ng ch\u1ec9 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb.<\/em><\/p>\n

\u0110\u1ed1i v\u1edbi \u0111\u1ea1i l\u00fd t\u1ed5 ch\u1ee9c, Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd: 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; Ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn chuy\u00ean tr\u00e1ch th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 t\u1ed1i thi\u1ec3u 03 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 v\u00e0 c\u00f3 b\u1eb1ng t\u1ed1t nghi\u1ec7p t\u1eeb \u0111\u1ea1i h\u1ecdc tr\u1edf l\u00ean v\u1ec1 chuy\u00ean ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n vi\u1ec7c gi\u00e1m s\u00e1t v\u00e0 ki\u1ec3m tra \u0111\u1ecbnh k\u1ef3 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd, k\u1ecbp th\u1eddi ph\u1ed1i h\u1ee3p \u0111\u1ec3 ki\u1ec3m tra, r\u00e0 so\u00e1t, x\u1eed l\u00fd c\u00e1c khi\u1ebfu n\u1ea1i c\u1ee7a b\u00ean mua b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u01b0 v\u1ea5n c\u1ee7a nh\u00e2n vi\u00ean c\u1ee7a t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd v\u00e0 x\u1eed l\u00fd vi ph\u1ea1m (n\u1ebfu c\u00f3). C\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 c\u00e1c quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd trong vi\u1ec7c ghi \u00e2m khi b\u00e1n s\u1ea3n ph\u1ea9m n\u00e0y.<\/em><\/p>\n

“Ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft l\u00e0 tr\u00e1i v\u1edbi quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 2 \u0110i\u1ec1u 3, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, \u0110i\u1ec1u 8, Lu\u1eadt \u0110\u1ea7u t\u01b0 n\u0103m 2020 v\u00e0 \u0110i\u1ec1u 9, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2022. Kho\u1ea3n 5, \u0110i\u1ec1u 15 v\u1ec1 “H\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m”, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb th\u00e1ng 7\/2024) ch\u1ec9 c\u1ea5m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng “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”. Nh\u01b0 v\u1eady, ngo\u00e0i tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u00ec kh\u00f4ng b\u1ecb c\u1ea5m v\u00e0 ch\u1ec9 c\u00f3 lu\u1eadt m\u1edbi c\u00f3 quy\u1ec1n c\u1ea5m” \u2013 Lu\u1eadt s\u01b0 \u0110\u1ee9c nh\u1ea5n m\u1ea1nh.<\/em><\/p>\n

Ch\u00ednh v\u00ec v\u1eady, nhi\u1ec1u chuy\u00ean gia c\u0169ng \u0111\u1ed3ng t\u00ecnh v\u1edbi \u00fd ki\u1ebfn cho r\u1eb1ng: C\u1ea7n xem x\u00e9t v\u1eabn cho ph\u00e9p c\u00e1c Ng\u00e2n h\u00e0ng Th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd \u0111\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 tr\u00ean c\u01a1 s\u1edf ban h\u00e0nh c\u00e1c quy tr\u00ecnh n\u1ed9i b\u1ed9 \u0111\u1ec3 tri\u1ec3n khai tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 Kho\u1ea3n 5 \u0110i\u1ec1u 15 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024.\/.<\/p>\n

Kim Ng\u00e2n<\/strong><\/p>\n

—————<\/p>\n

CafeF<\/em><\/strong> (Ng\u00e2n h\u00e0ng) 22-5-2024:<\/em><\/strong><\/p>\n

https:\/\/cafef.vn\/can-xem-xet-viec-cam-ngan-hang-ban-cac-san-pham-bao-hiem-lien-ket-dau-tu-188240522171023074.chn<\/a><\/em><\/p>\n

(<\/em>585\/1.451<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

C\u1ea7n xem x\u00e9t vi\u1ec7c c\u1ea5m Ng\u00e2n h\u00e0ng b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 (CFF) – Theo \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n – Ph\u00f3 T\u1ed5ng Th\u01b0 k\u00fd, Tr\u01b0\u1edfng Ban ph\u00e1p ch\u1ebf – Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI), c\u1ea7n xem x\u00e9t, c\u00e2n nh\u1eafc v\u1ec1 quy \u0111\u1ecbnh d\u1ef1 th\u1ea3o Th\u00f4ng […]<\/p>\n","protected":false},"author":2,"featured_media":39635,"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-39634","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":"\n4.285. C\u1ea7n xem x\u00e9t vi\u1ec7c c\u1ea5m Ng\u00e2n h\u00e0ng b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"B\u00e0i ca kh\u00f4ng qu\u1ea3n \u0111\u01b0\u1ee3c th\u00ec c\u1ea7m: C\u00e1c chuy\u00ean gia cho \u00fd ki\u1ebfn c\u1ea7n xem x\u00e9t vi\u1ec7c c\u1ea5m Ng\u00e2n h\u00e0ng b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0...\" \/>\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\/vi\/4-285-can-xem-xet-viec-cam-ngan-hang-ban-cac-san-pham-bao-hiem-lien-ket-dau-tu\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.285. 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