{"id":39837,"date":"2024-06-17T17:00:41","date_gmt":"2024-06-17T10:00:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39837"},"modified":"2024-10-01T14:53:22","modified_gmt":"2024-10-01T07:53:22","slug":"3-760-bancassurance-chua-qua-giong-bao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-760-bancassurance-chua-qua-giong-bao\/","title":{"rendered":"3.760. Bancassurance ch\u01b0a qua gi\u00f4ng b\u00e3o"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Bancassurance ch\u01b0a qua gi\u00f4ng b\u00e3o<\/span><\/h4>\n<p><strong>(\u0110TCK)\u00a0 T\u1eeb th\u1eddi k\u1ef3 \u201c\u0111\u1ec9nh cao\u201d n\u0103m 2020, doanh thu t\u1eeb k\u00eanh b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 gi\u1ea3m m\u1ea1nh trong n\u0103m 2023 v\u00e0 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o ch\u01b0a th\u1ec3 h\u1ed3i ph\u1ee5c trong ng\u1eafn h\u1ea1n.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-39838 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/06\/BH-450x397.jpg\" alt=\"Bancassurance ch\u01b0a qua gi\u00f4ng b\u00e3o\" width=\"450\" height=\"397\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/06\/BH-450x397.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/06\/BH-768x677.jpg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/06\/BH.jpg 860w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>Bancassurance l\u00e0 k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng d\u1ee5ng \u1edf h\u1ea7u h\u1ebft c\u00e1c th\u1ecb tr\u01b0\u1eddng, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u1edf Vi\u1ec7t Nam<\/em><\/p>\n<h5><strong>Doanh thu t\u1eeb bancassurance gi\u1ea3m m\u1ea1nh<\/strong><\/h5>\n<p>Nh\u1eefng n\u0103m qua, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 theo \u0111u\u1ed5i m\u1ee5c ti\u00eau gia t\u0103ng ngu\u1ed3n thu ngo\u00e0i l\u00e3i t\u00edn d\u1ee5ng, t\u00ecm ki\u1ebfm c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng nh\u1edd v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng ngo\u00e0i l\u00e3i, trong \u0111\u00f3 k\u00eanh b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m (bancassurance) \u0111\u01b0\u1ee3c xem l\u00e0 \u201cg\u00e0 \u0111\u1ebb tr\u1ee9ng v\u00e0ng\u201d. T\u1eeb th\u1eddi \u0111i\u1ec3m \u201c\u0111\u1ec9nh cao\u201d n\u0103m 2020 tr\u1edf v\u1ec1 tr\u01b0\u1edbc, bancassurance lu\u00f4n l\u00e0 k\u00eanh ph\u00e2n ph\u1ed1i mang l\u1ea1i l\u1ee3i nhu\u1eadn l\u1edbn cho c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n<p>Ch\u1eb3ng h\u1ea1n, Vietcombank ghi nh\u1eadn l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc thu\u1ebf 23.050 t\u1ef7 \u0111\u1ed3ng n\u0103m 2020, ri\u00eang ph\u00ed tr\u1ea3 tr\u01b0\u1edbc cho h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c \u0111\u1ed9c quy\u1ec1n b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u00e3 l\u00e0 9.200 t\u1ef7 \u0111\u1ed3ng (tr\u01b0\u1edbc \u0111\u00f3, Vietcombank k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u1ed9c quy\u1ec1n 15 n\u0103m v\u1edbi C\u00f4ng ty B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd FWD Vi\u1ec7t Nam c\u00f3 gi\u00e1 tr\u1ecb 1 t\u1ef7 USD).<\/p>\n<p>T\u01b0\u01a1ng t\u1ef1, ACB k\u00fd h\u1ee3p \u0111\u1ed3ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ed9c quy\u1ec1n c\u00f9ng C\u00f4ng ty B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Sun Life Vi\u1ec7t Nam v\u1edbi m\u1ee9c ph\u00ed tr\u1ea3 tr\u01b0\u1edbc \u0111\u01b0\u1ee3c cho l\u00e0 l\u00ean \u0111\u1ebfn 370 tri\u1ec7u USD, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 8.400 t\u1ef7 \u0111\u1ed3ng ri\u00eang n\u0103m 2020, 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&#8230;<\/p>\n<p>Th\u1ebf nh\u01b0ng, t\u1eeb \u0111\u00f3 t\u1edbi nay, li\u00ean ti\u1ebfp x\u1ea3y ra c\u00e1c v\u1ee5 l\u00f9m x\u00f9m kh\u00e1ch h\u00e0ng t\u1ed1 b\u1ecb \u201c\u00e9p\u201d mua b\u1ea3o hi\u1ec3m, b\u1ecb \u201ch\u00f4 bi\u1ebfn\u201d t\u1eeb ti\u1ec1n g\u1eedi ti\u1ebft ki\u1ec7m th\u00e0nh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u2026, khi\u1ebfn nhi\u1ec1u ng\u00e2n h\u00e0ng ghi nh\u1eadn gi\u1ea3m m\u1ea1nh doanh thu t\u1eeb k\u00eanh b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m sau nhi\u1ec1u n\u0103m \u0111\u1ea1t t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao, th\u1eadm ch\u00ed c\u00f3 ng\u00e2n h\u00e0ng gi\u1ea3m t\u1edbi h\u01a1n 70% doanh thu t\u1eeb k\u00eanh n\u00e0y.<\/p>\n<p>Ch\u1eb3ng h\u1ea1n, n\u0103m 2023, MBBank ghi nh\u1eadn doanh thu b\u00e1n b\u1ea3o hi\u1ec3m gi\u1ea3m 19%. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, doanh thu k\u00eanh bancassurance t\u0103ng nhanh v\u00e0 \u0111\u00f3ng g\u00f3p kh\u00f4ng nh\u1ecf v\u00e0o l\u1ee3i nhu\u1eadn chung c\u1ee7a MBBank: T\u1eeb m\u1ee9c doanh thu 1.800 t\u1ef7 \u0111\u1ed3ng n\u0103m 2017, \u0111\u1ebfn n\u0103m 2022 \u0111\u00e3 v\u01b0\u1ee3t m\u1ed1c 10.000 t\u1ef7 \u0111\u1ed3ng. MBBank hi\u1ec7n c\u00f3 2 c\u00f4ng ty con ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m l\u00e0 MIC (b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd) v\u1edbi t\u1ef7 l\u1ec7 s\u1edf h\u1eefu 68,37% v\u00e0 MB Ageas (b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd) v\u1edbi t\u1ef7 l\u1ec7 s\u1edf h\u1eefu 61%.<\/p>\n<p>T\u1ea1i VIB, thu nh\u1eadp t\u1eeb hoa h\u1ed3ng b\u1ea3o hi\u1ec3m 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 n\u0103m 2022. L\u00e3i thu\u1ea7n ng\u00e2n h\u00e0ng 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%.<\/p>\n<p>TPBank c\u0169ng gi\u1ea3m g\u1ea7n 57% doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 kinh doanh, d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m v\u00e0 t\u01b0 v\u1ea5n. C\u1ea3 n\u0103m 2023, m\u1ea3ng n\u00e0y ch\u1ec9 mang v\u1ec1 cho TPBank h\u01a1n 377 t\u1ef7 \u0111\u1ed3ng, trong khi n\u0103m 2022 \u0111\u1ea1t t\u1edbi h\u01a1n 876 t\u1ef7 \u0111\u1ed3ng.<\/p>\n<p>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 c\u1ee7a SeABank trong n\u0103m 2023 gi\u1ea3m t\u1edbi 73% so v\u1edbi n\u0103m 2022, ch\u1ec9 \u0111\u1ea1t 144,7 t\u1ef7 \u0111\u1ed3ng n\u0103m qua.<\/p>\n<p>Techcombank c\u0169ng ghi nh\u1eadn doanh thu t\u1eeb d\u1ecbch v\u1ee5 h\u1ee3p t\u00e1c b\u1ea3o hi\u1ec3m gi\u1ea3m m\u1ea1nh trong n\u0103m 2023, \u0111\u1ea1t h\u01a1n 667 t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m 62% so v\u1edbi n\u0103m 2022 (\u0111\u1ea1t 1.750 t\u1ef7 \u0111\u1ed3ng). Sang qu\u00fd I\/2024, m\u1ea3ng d\u1ecbch v\u1ee5 n\u00e0y c\u1ee7a Techcombank ti\u1ebfp t\u1ee5c gi\u1ea3m 30% so v\u1edbi c\u00f9ng k\u1ef3.<\/p>\n<p>Nh\u1eefng l\u00f9m x\u00f9m \u0111\u00e3 khi\u1ebfn doanh thu ph\u00ed to\u00e0n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u1ea3 n\u0103m 2023 gi\u1ea3m h\u01a1n 8,3% v\u00e0 l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111i l\u00f9i sau 10 n\u0103m. C\u00f2n theo s\u1ed1 li\u1ec7u c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, trong qu\u00fd I\/2024, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m th\u1ee9 nh\u1ea5t (FYP) c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ti\u1ebfp t\u1ee5c gi\u1ea3m 35% sau khi gi\u1ea3m 44% trong n\u0103m 2023.<\/p>\n<h5><strong>S\u1ebd b\u00e0i b\u1ea3n h\u01a1n<\/strong><\/h5>\n<p><em>Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 c\u1ea5m c\u00e1c 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. Quy \u0111\u1ecbnh n\u00e0y s\u1ebd khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 thu nh\u1eadp ph\u00ed ch\u1ee7 y\u1ebfu \u0111\u1ebfn t\u1eeb bancassurance ch\u1ecbu \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u nh\u1ea5t.<\/em><\/p>\n<p>Th\u1ef1c t\u1ebf, thu nh\u1eadp c\u1ee7a ng\u01b0\u1eddi d\u00e2n gi\u1ea3m s\u00fat nh\u1eefng n\u0103m qua do kinh t\u1ebf kh\u00f3 kh\u0103n khi\u1ebfn nhu c\u1ea7u mua b\u1ea3o hi\u1ec3m s\u1ee5t gi\u1ea3m, t\u1eeb \u0111\u00f3 b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n d\u1ec5 khai th\u00e1c nh\u01b0 tr\u01b0\u1edbc. \u0110\u1ed3ng th\u1eddi, sau kh\u1ee7ng ho\u1ea3ng ni\u1ec1m tin, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u00e3 ti\u1ebfn h\u00e0nh 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, nh\u1ea5t l\u00e0 v\u1edbi k\u00eanh bancassurance v\u00e0 \u0111\u1eb7c bi\u1ec7t, nh\u1eefng quy \u0111\u1ecbnh m\u1edbi t\u1ea1i Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m 2022, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024\u2026 c\u0169ng si\u1ebft ch\u1eb7t h\u01a1n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a k\u00eanh n\u00e0y. \u0110\u00e2y l\u00e0 nh\u1eefng nguy\u00ean nh\u00e2n ch\u00ednh 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 trong n\u0103m 2023 v\u00e0 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o ch\u01b0a th\u1ec3 h\u1ed3i nhanh trong ng\u1eafn h\u1ea1n.<\/p>\n<p>Ch\u1eb3ng h\u1ea1n, Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 (c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 1\/7\/2024) c\u1ea5m c\u00e1c 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. Cu\u1ed1i th\u00e1ng 3\/2024 v\u1eeba qua, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111\u00e3 c\u00f3 d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0, trong \u0111\u00f3 c\u00f3 \u0111\u1ec1 xu\u1ea5t kh\u00f4ng cho ph\u00e9p ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 v\u00ec 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.<\/p>\n<p>Trong khi \u0111\u00f3, B\u1ed9 tr\u01b0\u1edfng B\u1ed9 T\u00e0i ch\u00ednh H\u1ed3 \u0110\u1ee9c Ph\u1edbc cho hay, vi\u1ec7c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng 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<p>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. 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<p>MBS Research \u0111\u01b0a ra nh\u1eadn \u0111\u1ecbnh, v\u1edbi nh\u1eefng quy \u0111\u1ecbnh m\u1edbi, trong n\u0103m 2024 c\u0169ng nh\u01b0 nh\u1eefng n\u0103m t\u1edbi, ho\u1ea1t \u0111\u1ed9ng bancassurance s\u1ebd \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n, t\u1eeb \u0111\u00f3 khi\u1ebfn t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp k\u00eanh n\u00e0y c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng ch\u1eadm l\u1ea1i so v\u1edbi giai \u0111o\u1ea1n 2019-2021. Ho\u1ea1t \u0111\u1ed9ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng b\u1ecb t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 v\u00e0 c\u1ea7n th\u1eddi gian d\u00e0i \u0111\u1ec3 ph\u1ee5c h\u1ed3i, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 t\u1ef7 tr\u1ecdng thu nh\u1eadp bancassurance trong t\u1ed5ng thu nh\u1eadp ngo\u00e0i l\u00e3i cao nh\u01b0 VIB, ACB\u2026<\/p>\n<p>C\u00e1c chuy\u00ean gia c\u0169ng \u0111\u00e1nh gi\u00e1, trong ng\u1eafn h\u1ea1n, ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f2n ph\u1ea3i \u0111\u1ed1i di\u1ec7n v\u1edbi nh\u1eefng kh\u00f3 kh\u0103n t\u1eeb ho\u1ea1t \u0111\u1ed9ng bancassurance, do \u0111\u00f3 ngu\u1ed3n thu t\u1eeb m\u1ea3ng kinh doanh b\u1ea3o hi\u1ec3m c\u1ea7n th\u00eam th\u1eddi gian m\u1edbi c\u00f3 th\u1ec3 h\u1ed3i ph\u1ee5c.<\/p>\n<p>Theo TS. Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng, b\u1ea5t c\u1ee9 lo\u1ea1i h\u00ecnh kinh doanh n\u00e0o c\u0169ng c\u1ea7n \u0111\u1eb7t s\u1ef1 c\u00f4ng khai, minh b\u1ea1ch l\u00ean h\u00e0ng \u0111\u1ea7u v\u00e0 \u0111i\u1ec1u n\u00e0y c\u00e0ng tr\u1edf n\u00ean quan tr\u1ecdng h\u01a1n v\u1edbi l\u0129nh v\u1ef1c kinh doanh \u201cni\u1ec1m tin\u201d nh\u01b0 b\u1ea3o hi\u1ec3m. B\u1edfi l\u1ebd, vi\u1ec7c t\u01b0 v\u1ea5n m\u1eadp m\u1edd c\u1ee7a nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m \u0111\u00e3 d\u1eabn \u0111\u1ebfn t\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi d\u00e2n g\u1eedi ti\u1ec1n tr\u1edf th\u00e0nh ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m, c\u00f2n ng\u01b0\u1eddi vay ti\u1ec1n l\u1ea1i b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u201c\u00e9p\u201d mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/p>\n<p><em><span style=\"color: #993300;\"><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a><span style=\"color: #0000ff;\">\u00a0<\/span><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/a> <\/span><\/em><em><span style=\"color: #993300;\"><span style=\"color: #000000;\">Gi\u00e1m \u0111\u1ed1c <\/span><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <\/span><strong><span style=\"color: #993300;\"><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/span><\/strong><\/em> <em>cho r\u1eb1ng, vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng th\u1eddi gian qua xu\u1ea5t hi\u1ec7n nhi\u1ec1u v\u1ea5n \u0111\u1ec1, 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 giai \u0111o\u1ea1n tr\u01b0\u1edbc khi c\u00e1c lu\u1eadt m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng qua. Do \u0111\u00f3, theo \u00f4ng \u0110\u1ee9c, 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 nh\u01b0 t\u1eebng x\u1ea3y ra th\u1eddi gian qua.<\/em><\/p>\n<p>C\u00f2n PGS-TS. \u0110inh Tr\u1ecdng Th\u1ecbnh, chuy\u00ean gia kinh t\u1ebf cho bi\u1ebft, bancassurance l\u00e0 k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng d\u1ee5ng \u1edf h\u1ea7u h\u1ebft c\u00e1c th\u1ecb tr\u01b0\u1eddng, ch\u1ee9 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\u00f3 th\u1ec3 lan t\u1ecfa s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u1edbi kh\u00e1ch h\u00e0ng, nh\u01b0ng 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.<\/p>\n<p>\u201cLu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m 2022 v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 \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. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u0169ng \u0111ang x\u00e2y d\u1ef1ng d\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 quy \u0111\u1ecbnh vi\u1ec7c c\u1ea5p \u0111\u1ed5i gi\u1ea5y ph\u00e9p kinh doanh, c\u1ea5p b\u1ed5 sung n\u1ed9i dung ho\u1ea1t \u0111\u1ed9ng v\u00e0o gi\u1ea5y ph\u00e9p kinh doanh v\u00e0 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 t\u1ed5 ch\u1ee9c, ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, v\u0103n ph\u00f2ng \u0111\u1ea1i di\u1ec7n t\u1ea1i Vi\u1ec7t Nam c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u01b0\u1edbc ngo\u00e0i, t\u1ed5 ch\u1ee9c n\u01b0\u1edbc ngo\u00e0i kh\u00e1c c\u00f3 ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d, \u00f4ng Th\u1ecbnh th\u00f4ng tin th\u00eam.<\/p>\n<p>Trong khi \u0111\u00f3, 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 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c v\u1ef1c d\u1eady trong d\u00e0i h\u1ea1n.<\/p>\n<p>Theo \u00f4ng H\u00e0n Ng\u1ecdc V\u0169, T\u1ed5ng gi\u00e1m \u0111\u1ed1c VIB, Ng\u00e2n h\u00e0ng \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi Prudential Vi\u1ec7t Nam v\u00e0 2 b\u00ean ph\u1ed1i h\u1ee3p th\u00e0nh l\u1eadp \u1ee7y ban v\u1ec1 \u1ee9ng x\u1eed kh\u00e1ch h\u00e0ng. Vi\u1ec7c hu\u1ea5n luy\u1ec7n, \u0111\u00e0o t\u1ea1o cho nh\u00e2n vi\u00ean \u0111\u1ec3 n\u1eafm r\u00f5 y\u00eau c\u1ea7u ph\u00e1p lu\u1eadt \u0111\u01b0\u1ee3c nh\u00e0 b\u0103ng n\u00e0y ti\u1ebfn h\u00e0nh th\u01b0\u1eddng xuy\u00ean. VIB c\u0169ng th\u1ef1c hi\u1ec7n thanh tra, gi\u00e1m s\u00e1t n\u1ed9i b\u1ed9 \u0111\u1ec3 ph\u00e1t hi\u1ec7n v\u00e0 x\u1eed l\u00fd nghi\u00eam nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u00fang chu\u1ea9n.<\/p>\n<p>\u201c\u0110\u00e2y l\u00e0 ho\u1ea1t \u0111\u1ed9ng r\u1ea5t ph\u1ee9c t\u1ea1p, li\u00ean quan \u0111\u1ebfn ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, n\u00ean c\u00e1c y\u00eau c\u1ea7u ph\u00e1p lu\u1eadt VIB \u0111\u1ec1u quan t\u00e2m th\u1ef1c hi\u1ec7n. Sau nh\u1eefng tr\u01b0\u1eddng h\u1ee3p l\u00f9m x\u00f9m th\u00ec r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng n\u00e0y c\u00e0ng cao h\u01a1n\u201d, \u00f4ng V\u0169 kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n<p>Trong khi \u0111\u00f3, kh\u1eb3ng \u0111\u1ecbnh ACB c\u00f3 m\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m h\u01b0\u1edbng \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 minh b\u1ea1ch v\u1ec1 t\u01b0 v\u1ea5n, \u00f4ng T\u1eeb Ti\u1ebfn Ph\u00e1t &#8211; T\u1ed5ng gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng tin t\u01b0\u1edfng, kh\u00f3 kh\u0103n c\u1ee7a m\u1ea3ng ho\u1ea1t \u0111\u1ed9ng n\u00e0y s\u1ebd qua v\u00e0 th\u1ecb tr\u01b0\u1eddng s\u1ebd l\u00e0nh m\u1ea1nh \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng trong n\u0103m ti\u1ebfp theo. Hi\u1ec7n ACB t\u00e1ch b\u1ea1ch m\u1ea3ng t\u01b0 v\u1ea5n v\u00e0 gi\u1edbi thi\u1ec7u d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m. C\u00e1c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u00e1n b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o v\u00e0 c\u1ea5p ch\u1ee9ng ch\u1ec9 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh. Nh\u00e2n vi\u00ean khi t\u01b0 v\u1ea5n b\u00e1n b\u1ea3o hi\u1ec3m \u0111\u1ec1u ghi \u00e2m v\u00e0 khi kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd h\u1ee3p \u0111\u1ed3ng, 21 ng\u00e0y sau c\u00f3 b\u1ed9 ph\u1eadn ki\u1ec3m so\u00e1t ph\u00eda sau g\u1ecdi \u0111i\u1ec7n x\u00e1c nh\u1eadn. N\u1ebfu kh\u00e1ch h\u00e0ng c\u00f2n ph\u00e2n v\u00e2n th\u00ec c\u00f3 th\u1ec3 h\u1ee7y h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>D\u1ef1 th\u1ea3o Th\u00f4ng t\u01b0 b\u1ed5 sung n\u1ed9i dung v\u1ec1 ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i cho ph\u00f9 h\u1ee3p v\u1edbi Kho\u1ea3n 2, \u0110i\u1ec1u 113 &#8211; Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 c\u00f3 n\u00eau: Khi gi\u1ea5y ph\u00e9p m\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p cho ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i c\u00f3 n\u1ed9i dung ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m th\u00ec c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m, tr\u1eeb s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0. Khi th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m, quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan.<\/p>\n<p>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cho r\u1eb1ng, \u0111\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, c\u1ea7n thi\u1ebft quy \u0111\u1ecbnh theo h\u01b0\u1edbng kh\u00f4ng cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng n\u00e0y do s\u1ea3n ph\u1ea9m n\u00e0y 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<p><strong>V\u00e2n Anh<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (T\u00e0i ch\u00ednh) 17-6-2024:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/www.tinnhanhchungkhoan.vn\/bancassurance-chua-qua-giong-bao-post347074.html\">https:\/\/www.tinnhanhchungkhoan.vn\/bancassurance-chua-qua-giong-bao-post347074.html<\/a><\/em><\/p>\n<p><em>(115\/2.273)<\/em>","protected":false},"excerpt":{"rendered":"<p>Bancassurance ch\u01b0a qua gi\u00f4ng b\u00e3o (\u0110TCK)\u00a0 T\u1eeb th\u1eddi k\u1ef3 \u201c\u0111\u1ec9nh cao\u201d n\u0103m 2020, doanh thu t\u1eeb k\u00eanh b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 gi\u1ea3m m\u1ea1nh trong n\u0103m 2023 v\u00e0 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o ch\u01b0a th\u1ec3 h\u1ed3i ph\u1ee5c trong ng\u1eafn h\u1ea1n. Bancassurance l\u00e0 k\u00eanh b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng d\u1ee5ng \u1edf h\u1ea7u h\u1ebft c\u00e1c th\u1ecb [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":39838,"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-39837","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":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.760. 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