{"id":39752,"date":"2024-06-09T22:05:40","date_gmt":"2024-06-09T15:05:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39752"},"modified":"2024-10-01T16:57:22","modified_gmt":"2024-10-01T09:57:22","slug":"3-751-cach-nao-lanh-manh-hoa-hoat-dong-phan-phoi-bao-hiem-qua-ngan-hang","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-751-cach-nao-lanh-manh-hoa-hoat-dong-phan-phoi-bao-hiem-qua-ngan-hang\/","title":{"rendered":"3.751. C\u00e1ch n\u00e0o \u2018l\u00e0nh m\u1ea1nh ho\u00e1\u2019 ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng?"},"content":{"rendered":"

C\u00e1ch n\u00e0o \u2018l\u00e0nh m\u1ea1nh ho\u00e1\u2019 ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng?<\/span><\/h4>\n
(KTSG) \u2013 C\u00e1c chuy\u00ean gia cho r\u1eb1ng, khi ho\u1ea1t \u0111\u1ed9ng ki\u1ec3m tra, gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng, \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m m\u1ea1nh tay th\u00ec k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m n\u00f3i chung s\u1ebd \u0111i v\u00e0o khu\u00f4n kh\u1ed5. T\u1eeb \u0111\u00f3, th\u1ecb tr\u01b0\u1eddng s\u1ebd ph\u00e1t tri\u1ec3n \u1ed5n \u0111\u1ecbnh, b\u1ec1n v\u1eefng thay v\u00ec \u201csi\u1ebft v\u00e0 c\u1ea5m\u201d ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng.<\/em><\/strong><\/h5>\n
Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u1ea5t c\u00e2n \u0111\u1ed1i<\/strong><\/h5>\n

Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam (IAV) cho bi\u1ebft s\u1ed1 l\u01b0\u1ee3ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) khai th\u00e1c m\u1edbi 3 th\u00e1ng \u0111\u1ea7u n\u0103m 2024 \u0111\u1ea1t 342.844 h\u1ee3p \u0111\u1ed3ng (s\u1ea3n ph\u1ea9m ch\u00ednh), gi\u1ea3m 40,8% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i. Trong \u0111\u00f3, s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 \u2013 chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn nh\u1ea5t v\u1edbi 58,6% \u2013 ghi nh\u1eadn m\u1ee9c gi\u1ea3m 41,6%.<\/p>\n

Ph\u00e2n lo\u1ea1i c\u1ee5 th\u1ec3, s\u1ed1 l\u01b0\u1ee3ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung (chi\u1ebfm t\u1ef7 tr\u1ecdng 51,6%) gi\u1ea3m 26%, c\u00f2n b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb (chi\u1ebfm t\u1ef7 tr\u1ecdng 7%) gi\u1ea3m 77,2%.<\/p>\n

S\u1ed1 l\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 gi\u1ea3m m\u1ea1nh khi\u1ebfn t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m khai th\u00e1c m\u1edbi to\u00e0n th\u1ecb tr\u01b0\u1eddng 3 th\u00e1ng \u0111\u1ea7u n\u0103m 2024 \u01b0\u1edbc \u0111\u1ea1t 5.476 t\u1ec9 \u0111\u1ed3ng, gi\u1ea3m 34,6% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n

\"l\u00e0nh<\/p>\n

Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ch\u01b0a th\u1ec3 tho\u00e1t xu h\u01b0\u1edbng s\u1ee5t gi\u1ea3m doanh thu. \u1ea2nh minh ho\u1ea1.<\/h5>\n

T\u1ea1i m\u1ed9t h\u1ed9i th\u1ea3o di\u1ec5n ra g\u1ea7n \u0111\u00e2y, s\u1ef1 kh\u00f3 kh\u0103n th\u1ecb tr\u01b0\u1eddng BHNT \u0111\u01b0\u1ee3c c\u00e1c chuy\u00ean gia, l\u00e3nh \u0111\u1ea1o m\u1ed9t s\u1ed1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m di\u1ec5n t\u1ea3 b\u1eb1ng nhi\u1ec1u c\u1ee5m t\u1eeb ti\u00eau c\u1ef1c. C\u00f3 ng\u01b0\u1eddi g\u1ecdi \u0111\u00f3 l\u00e0 \u201ckh\u1ee7ng ho\u1ea3ng\u201d ho\u1eb7c \u201cc\u00fa s\u1ed1c\u201d, ng\u01b0\u1eddi kh\u00e1c b\u1ea3o \u0111\u00f3 l\u00e0 \u201cbi\u1ebfn \u0111\u1ed9ng\u201d hay \u201cs\u1ef1 m\u1ea5t c\u00e2n \u0111\u1ed1i nghi\u00eam tr\u1ecdng\u201d\u2026<\/p>\n

\u00d4ng Nguy\u1ec5n H\u1ed3ng S\u01a1n, T\u1ed5ng gi\u00e1m \u0111\u1ed1c ChubbLife Vi\u1ec7t Nam th\u1eeba nh\u1eadn r\u1eb1ng m\u1ed9t b\u1ed9 ph\u1eadn kh\u00e1ch h\u00e0ng \u0111\u00e3 c\u1ea3m th\u1ea5y s\u1ef1 m\u1ea5t c\u00e2n \u0111\u1ed1i nghi\u00eam tr\u1ecdng trong m\u1ed1i quan h\u1ec7 tam gi\u00e1c l\u1ee3i \u00edch ba b\u00ean, g\u1ed3m doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng trong th\u1eddi gian qua. \u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng ph\u1ea3n \u0111\u1ed1i, h\u1ee7y h\u1ee3p \u0111\u1ed3ng khi kh\u00f4ng \u00edt trong s\u1ed1 \u0111\u00f3 c\u1ea3m th\u1ea5y quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m nh\u1eadn \u0111\u01b0\u1ee3c kh\u00f4ng gi\u1ed1ng nh\u1eefng g\u00ec h\u1ecd hi\u1ec3u v\u00e0 k\u1ef3 v\u1ecdng.<\/p>\n

C\u00f2n \u00f4ng Ng\u00f4 Trung D\u0169ng, Ph\u00f3 t\u1ed5ng th\u01b0 k\u00fd IAV d\u1ef1 b\u00e1o kh\u00f3 kh\u0103n v\u1edbi th\u1ecb tr\u01b0\u1eddng BHNT s\u1ebd ti\u1ebfp di\u1ec5n trong n\u0103m nay, do c\u00e1c \u0111\u01a1n v\u1ecb ph\u1ea3i \u0111\u1ea7u t\u01b0 nhi\u1ec1u ngu\u1ed3n l\u1ef1c \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c quy \u0111\u1ecbnh m\u1edbi, trong \u0111\u00f3 c\u00f3 vi\u1ec7c h\u1ea1n ch\u1ebf b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng \u2013 v\u1ed1n \u0111\u01b0\u1ee3c xem l\u00e0 \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d nh\u1eefng n\u0103m qua.<\/p>\n

C\u1ee5 th\u1ec3, \u0110i\u1ec1u 16 t\u1ea1i d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 thay th\u1ebf Th\u00f4ng t\u01b0 s\u1ed1 40\/2011 c\u1ee7a NHNN quy \u0111\u1ecbnh c\u00e1c 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 v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0.<\/p>\n

D\u01b0\u1edbi g\u00f3c \u0111\u1ed9 c\u01a1 quan so\u1ea1n th\u1ea3o, NHNN gi\u1ea3i th\u00edch vi\u1ec7c c\u1ea5m b\u00e1n l\u00e0 do s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 d\u1ec5 g\u00e2y nh\u1ea7m l\u1eabn cho kh\u00e1ch h\u00e0ng v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m huy \u0111\u1ed9ng v\u1ed1n, \u1ee7y th\u00e1c \u0111\u1ea7u t\u01b0 m\u00e0 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cung c\u1ea5p cho kh\u00e1ch h\u00e0ng.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, Th\u00f4ng t\u01b0 s\u1ed1 67\/2023 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh c\u0169ng c\u00f3 quy \u0111\u1ecbnh c\u1ea5m c\u00e1c TCTD t\u01b0 v\u1ea5n, gi\u1edbi thi\u1ec7u, ch\u00e0o b\u00e1n 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 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

V\u1edbi nh\u1eefng quy \u0111\u1ecbnh tr\u00ean, \u00f4ng D\u0169ng d\u1ef1 b\u00e1o xu h\u01b0\u1edbng s\u1ee5t gi\u1ea3m c\u1ee7a th\u1ecb tr\u01b0\u1eddng BHNT s\u1ebd ti\u1ebfp di\u1ec5n.<\/p>\n

C\u00f2n gi\u1ea3i ph\u00e1p n\u00e0o ngo\u00e0i \u201csi\u1ebft v\u00e0 c\u1ea5m\u201d?<\/strong><\/h5>\n

Trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng BHNT t\u1ed3n t\u1ea1i nhi\u1ec1u kh\u00f3 kh\u0103n, \u00f4ng Nguy\u1ec5n H\u1ed3ng S\u01a1n cho r\u1eb1ng \u0111\u1ecbnh h\u01b0\u1edbng kinh doanh doanh nghi\u1ec7p c\u1ea7n h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau c\u00e2n b\u1eb1ng l\u1ee3i \u00edch ba b\u00ean.<\/p>\n

\u201cPh\u1ea3i \u0111\u1ea3m b\u1ea3o c\u00e1c l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng v\u00ec h\u1ecd mang t\u1edbi doanh thu \u0111\u1ec3 nu\u00f4i s\u1ed1ng doanh nghi\u1ec7p. H\u1ecd kh\u00f4ng ch\u1ec9 mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m trong m\u1ed9t n\u0103m m\u00e0 \u0111\u1ed3ng h\u00e0nh nhi\u1ec1u v\u1edbi m\u00ecnh. Do \u0111\u00f3, tr\u01b0\u1edbc ti\u00ean ph\u1ea3i \u0111\u1ea3m b\u1ea3o \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u00e0 l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng\u201d \u00f4ng S\u01a1n n\u00f3i v\u00e0 cho r\u1eb1ng doanh nghi\u1ec7p ph\u1ea3i hi\u1ec3u r\u00f5 kh\u00e1ch h\u00e0ng mu\u1ed1n g\u00ec v\u00e0 c\u1ea7n g\u00ec.<\/p>\n

C\u0169ng theo \u00f4ng S\u01a1n, nh\u1eefng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, quy ch\u1ebf c\u1ee7a IAV hay c\u1ee7a c\u00e1c<\/p>\n

C\u1ea7n xem x\u00e9t vi\u1ec7c c\u00f3 n\u00ean 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? \u1ea2nh minh h\u1ecda: DNCC<\/p>\n

doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u01b0a ra ch\u1ec9 l\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng. V\u1ea5n \u0111\u1ec1 m\u1ea5u ch\u1ed1t n\u1eb1m \u1edf nh\u1eefng ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n tr\u1ef1c ti\u1ebfp.<\/p>\n

\u201cQuy \u0111\u1ecbnh, quy tr\u00ecnh th\u00ec r\u1ea5t ch\u1eb7t ch\u1ebd, nghi\u00eam t\u00fac, nh\u01b0ng m\u00e0 \u0111\u1ebfn l\u00fac th\u1ef1c thi th\u00ec r\u1ee7i ro li\u00ean quan \u0111\u1ebfn con ng\u01b0\u1eddi l\u00e0 r\u1ea5t cao. C\u0169ng c\u00f3 nh\u1eefng sai s\u00f3t kh\u00f4ng ph\u1ea3i do ng\u01b0\u1eddi th\u1ef1c thi, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ed1 t\u00ecnh vi ph\u1ea1m m\u00e0 do h\u1ecd ch\u01b0a hi\u1ec3u h\u1ebft nguy\u00ean t\u1eafc c\u00e2n b\u1eb1ng l\u1ee3i \u00edch gi\u1eefa ba b\u00ean n\u00ean kh\u00f4ng t\u00ecm ra gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p\u201d, \u00f4ng S\u01a1n ph\u00e2n t\u00edch.<\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a>, <\/span>Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/span><\/a> ANVI<\/span><\/a><\/strong> \u0111\u00e1nh gi\u00e1, h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ec3 qu\u1ea3n l\u00fd m\u00f4 h\u00ecnh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng hi\u1ec7n r\u1ea5t ch\u1eb7t ch\u1ebd. Ch\u1eb3ng h\u1ea1n, Ngh\u1ecb \u0111\u1ecbnh 46\/2023 c\u1ee7a Ch\u00ednh ph\u1ee7 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; Th\u00f4ng t\u01b0 67\/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

\u0110i\u1ec3n h\u00ecnh l\u00e0 quy \u0111\u1ecbnh \u201cT\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\u201d. Ngo\u00e0i ra, Kho\u1ea3n 4, \u0110i\u1ec1u 97 c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh 46 c\u0169ng n\u00eau r\u00f5: \u201cDoanh 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 t\u1eeb 1-7-2024\u201d.<\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u0111\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, 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. 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.<\/em><\/p>\n

Tuy nhi\u00ean, theo Lu\u1eadt s\u01b0 \u0110\u1ee9c, Ngh\u1ecb \u0111\u1ecbnh, Th\u00f4ng t\u01b0 c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft l\u00e0 m\u00e2u thu\u1eabn 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; \u0110i\u1ec1u 9, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2022. Do \u0111\u00f3, v\u1ecb n\u00e0y cho r\u1eb1ng 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.<\/em><\/p>\n

\u0110\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00e1n qua k\u00eanh ng\u00e2n h\u00e0ng, \u00f4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, th\u00e0nh vi\u00ean H\u1ed9i Lu\u1eadt gia Vi\u1ec7t Nam l\u01b0u \u00fd c\u1ea7n l\u00e0m r\u00f5 c\u00e2u h\u1ecfi: \u201cV\u00ec sao kh\u00e1ch h\u00e0ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m khi vay v\u1ed1n?\u201d.<\/p>\n

Th\u1ef1c t\u1ebf, ch\u1ec9 kh\u00e1ch h\u00e0ng vay h\u00e0ng t\u00edn ch\u1ea5p m\u1edbi ph\u1ea3i mua b\u1ea3o hi\u1ec3m, kh\u00f4ng ph\u1ea3i kh\u00e1ch h\u00e0ng n\u00e0o c\u0169ng ph\u1ea3i mua.<\/p>\n

\u201cKh\u00e1ch h\u00e0ng c\u00f3 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p khi vay v\u1ed1n th\u00ec kh\u00f4ng c\u1ea7n mua b\u1ea3o hi\u1ec3m cho kho\u1ea3n vay, b\u1edfi khi vay \u0111\u00e3 th\u1ebf ch\u1ea5p t\u00e0i s\u1ea3n cho ng\u00e2n h\u00e0ng, tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u01b0\u1eddng l\u00e0 mua b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n. Do \u0111\u00f3, vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ebfn m\u1ee9c b\u1eaft ng\u01b0\u1eddi vay ti\u1ec1n ph\u1ea3i mua\u201d, \u00f4ng \u0110\u00e1n cho bi\u1ebft.<\/p>\n

C\u0169ng theo chuy\u00ean gia n\u00e0y, m\u1ea5u ch\u1ed1t c\u1ee7a v\u1ea5n \u0111\u1ec1 l\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u00f3 t\u01b0 v\u1ea5n \u0111\u00fang v\u00e0 \u0111\u1ee7 cho kh\u00e1ch h\u00e0ng hay kh\u00f4ng. M\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1c c\u1ea7n l\u01b0u t\u00e2m l\u00e0 kh\u00e2u ki\u1ec3m tra, qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t t\u1eeb c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd tr\u1ef1c ti\u1ebfp ho\u1ea1t \u0111\u1ed9ng n\u00e0y l\u00e0 C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m thu\u1ed9c B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 NHNN.<\/p>\n

Hi\u1ec7n C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 th\u1ea9m quy\u1ec1n thanh ki\u1ec3m tra ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, th\u1ea9m quy\u1ec1n n\u00e0y thu\u1ed9c v\u1ec1 NHNN. Trong khi \u0111\u00f3, c\u00f3 nhi\u1ec1u sai ph\u1ea1m c\u1ea7n c\u00e1c b\u00ean ph\u1ed1i h\u1ee3p x\u1eed l\u00fd.<\/p>\n

Theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m 2022, B\u1ed9 T\u00e0i ch\u00ednh \u2013 \u0111\u1ea1i di\u1ec7n l\u00e0 C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m \u2013 ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u00f4ng qua c\u00f4ng ty b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u1ea1i l\u00fd v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ch\u1ec9 g\u00f3i g\u1ecdn trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m t\u1ea1i ng\u00e2n h\u00e0ng \u0111\u00f3.<\/p>\n

Tuy nhi\u00ean, vi\u1ec7c ki\u1ec3m tra, gi\u00e1m s\u00e1t ho\u1ea1t \u0111\u1ed9ng ch\u00e0o b\u00e1n b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng th\u00f4ng qua c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t vi\u1ec7c l\u00e0m ch\u01b0a \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh tu\u00e2n th\u1ee7 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trong vi\u1ec7c kinh doanh \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.<\/p>\n

\u201cT\u00f4i cho r\u1eb1ng, B\u1ed9 T\u00e0i ch\u00ednh c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd \u0111\u1ec3 ti\u1ebfn h\u00e0nh thanh tra, ki\u1ec3m tra ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 k\u00fd k\u1ebft h\u1ee3p t\u00e1c b\u00e1n b\u1ea3o hi\u1ec3m v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m. Ch\u1ec9 b\u1eb1ng c\u00e1ch \u0111\u00f3 m\u1edbi c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m, b\u1edfi n\u1ebfu ch\u1ec9 th\u1ef1c hi\u1ec7n thanh tra, ki\u1ec3m tra t\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f3 ph\u00e1t hi\u1ec7n ra c\u00e1c sai ph\u1ea1m theo ki\u1ec3u \u2018\u00e9p vay\u2019 hay \u2018l\u1eeba\u2019 kh\u00e1ch h\u00e0ng chuy\u1ec3n t\u1eeb s\u1ed5 ti\u1ebft ki\u1ec7m sang h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u201d, \u00f4ng \u0110\u00e1n n\u00eau quan \u0111i\u1ec3m.<\/p>\n

V\u1ecb n\u00e0y cho r\u1eb1ng thay v\u00ec c\u1ea5m b\u00e1n, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd n\u00ean xem x\u00e9t l\u1ea1i m\u1ee9c x\u1eed ph\u1ea1t v\u1edbi c\u00e1c h\u00e0nh vi sai ph\u1ea1m khi b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng. Theo \u0111\u00f3, c\u00f3 th\u1ec3 h\u1ecdc h\u1ecfi kinh nghi\u1ec7m t\u1eeb c\u00e1c th\u1ecb tr\u01b0\u1eddng ti\u00ean ti\u1ebfn, nh\u01b0 \u00e1p d\u1ee5ng x\u1eed ph\u1ea1t theo t\u1ef7 l\u1ec7 doanh thu, l\u1ee3i \u00edch ki\u1ebfm \u0111\u01b0\u1ee3c.<\/p>\n

Ch\u1eb3ng h\u1ea1n, n\u1ebfu doanh thu thu t\u1eeb vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m \u201c\u1ea9u\u201d \u0111\u1ea1t 1.000 t\u1ec9 \u0111\u1ed3ng th\u00ec c\u00f3 th\u1ec3 xem x\u00e9t ph\u1ea1t t\u1edbi 100% doanh thu ho\u1eb7c cao h\u01a1n.<\/p>\n

\u201cKhi ho\u1ea1t \u0111\u1ed9ng ki\u1ec3m tra, gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng, \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m m\u1ea1nh tay, k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m n\u00f3i chung s\u1ebd \u0111i v\u00e0o khu\u00f4n kh\u1ed5, th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m s\u1ebd \u1ed5n \u0111\u1ecbnh, b\u1ec1n v\u1eefng\u201d, \u00f4ng \u0110\u00e1n nh\u1ea5n m\u1ea1nh.<\/p>\n

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

————-<\/em><\/p>\n

Kinh<\/em><\/strong> t\u1ebf S\u00e0i G\u00f2n<\/em><\/strong> (B\u1ea3o<\/em><\/strong> hi\u1ec3m<\/em><\/strong>) ng\u00e0y <\/em><\/strong>09-6<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/thesaigontimes.vn\/cach-nao-lanh-manh-hoa-hoat-dong-phan-phoi-bao-hiem-qua-ngan-hang\/<\/em><\/a><\/p>\n

(<\/em>328\/1.839<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

C\u00e1ch n\u00e0o \u2018l\u00e0nh m\u1ea1nh ho\u00e1\u2019 ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng? (KTSG) \u2013 C\u00e1c chuy\u00ean gia cho r\u1eb1ng, khi ho\u1ea1t \u0111\u1ed9ng ki\u1ec3m tra, gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng, \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 ch\u1ebf t\u00e0i x\u1eed l\u00fd vi ph\u1ea1m m\u1ea1nh tay th\u00ec k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, ho\u1ea1t […]<\/p>\n","protected":false},"author":2,"featured_media":39753,"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-39752","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":"\n3.751. 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