{"id":40088,"date":"2024-07-05T22:04:59","date_gmt":"2024-07-05T15:04:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=40088"},"modified":"2024-09-30T16:08:54","modified_gmt":"2024-09-30T09:08:54","slug":"3-785-cong-ty-bao-hiem-phi-nhan-tho-van-chua-het-tai-bay-va-gio","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-785-cong-ty-bao-hiem-phi-nhan-tho-van-chua-het-tai-bay-va-gio\/","title":{"rendered":"3.785. C\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd v\u1eabn ch\u01b0a h\u1ebft \u201ctai bay v\u1ea1 gi\u00f3\u201d"},"content":{"rendered":"

C\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd v\u1eabn ch\u01b0a h\u1ebft \u201ctai bay v\u1ea1 gi\u00f3\u201d<\/span><\/h4>\n
(TBNH) <\/strong>– <\/strong>Trong 10 n\u0103m qua, 3 c\u00f4ng ty ABIC, BIC, VBI \u0111\u00e3 ch\u1ec9 tr\u1ea3 b\u1ed3i th\u01b0\u1eddng h\u01a1n 20 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng cho c\u00e1c kh\u00e1ch h\u00e0ng g\u1eb7p r\u1ee7i ro. Trong s\u1ed1 n\u00e0y ph\u1ea7n l\u1edbn l\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i c\u00e1c NHTM. N\u1ebfu kh\u00f4ng c\u00f3 kho\u1ea3n ti\u1ec1n b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng th\u00ec kho\u1ea3n n\u1ee3 \u0111\u00f3 s\u1ebd l\u00e0 g\u00e1nh n\u1eb7ng l\u1edbn cho kh\u00e1ch h\u00e0ng, v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng ch\u1ecbu \u00e1p l\u1ef1c n\u1ee3 x\u1ea5u, ti\u1ec1m \u1ea9n r\u1ee7i ro cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/strong><\/h5>\n
Kh\u00f3 kh\u0103n k\u00e9p cho C\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/strong><\/h5>\n

T\u1eeb ng\u00e0y 1\/7\/2024, Lu\u1eadt C\u00e1c TCTD (s\u1eeda \u0111\u1ed5i) c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh. M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c quan t\u00e2m t\u1ea1i Lu\u1eadt C\u00e1c TCTD s\u1eeda \u0111\u1ed5i quy \u0111\u1ecbnh c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c k\u00e8m kho\u1ea3n vay. C\u1ee5 th\u1ec3, theo kho\u1ea3n 5 \u0110i\u1ec1u 15 Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 quy \u0111\u1ecbnh v\u1ec1 m\u1ed9t trong c\u00e1c h\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m bao g\u1ed3m: \u201cT\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh, nh\u00e2n vi\u00ean c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i 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\u201d.<\/p>\n

Vi\u1ec7c th\u1ef1c hi\u1ec7n sao cho \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt m\u00e0 v\u1eabn \u0111\u1ea3m b\u1ea3o ph\u00e1t tri\u1ec3n l\u0129nh v\u1ef1c mang t\u00ednh nh\u00e2n v\u0103n cao \u0111ang khi\u1ebfn ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u0111au \u0111\u1ea7u. Theo \u00f4ng Nguy\u1ec5n H\u1ed3ng Phong, T\u1ed5ng gi\u00e1m \u0111\u1ed1c B\u1ea3o hi\u1ec3m Agribank (ABIC), hi\u1ec7n t\u1ea1i v\u1edbi quy \u0111\u1ecbnh n\u00e0y m\u1ed7i TCTD hi\u1ec3u m\u1ed9t c\u00e1ch kh\u00e1c nhau, kh\u00e1ch h\u00e0ng c\u0169ng hi\u1ec3u kh\u00e1c nhau.<\/p>\n

C\u00f3 ng\u00e2n h\u00e0ng th\u00ec hi\u1ec3u ch\u1ec9 nh\u1eefng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m t\u0103ng gi\u00e1 tr\u1ecb gia t\u0103ng nh\u01b0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p b\u00e1n k\u00e8m theo h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng, c\u00f2n c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ea3o \u0111\u1ea3m an to\u00e0n v\u1ed1n cho ng\u00e2n h\u00e0ng v\u00e0 ng\u01b0\u1eddi vay th\u00ec v\u1eabn tri\u1ec3n khai b\u00ecnh th\u01b0\u1eddng. Nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i c\u00f3 ng\u00e2n h\u00e0ng l\u1ea1i hi\u1ec3u l\u00e0 Lu\u1eadt quy \u0111\u1ecbnh c\u1ea5m to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng n\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n nhi\u1ec1u ng\u00e2n h\u00e0ng quy\u1ebft \u0111\u1ecbnh d\u1eebng b\u00e1n b\u1ea3o hi\u1ec3m cho c\u00e1c \u0111\u1ea1i l\u00fd.<\/p>\n\n\n\n\n
\"b\u1ea3o<\/td>\n<\/tr>\n
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V\u1edbi s\u1ef1 chia s\u1ebb t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u0111\u00e3 gi\u1ea3m g\u00e1nh n\u1eb7ng l\u1edbn cho kh\u00e1ch h\u00e0ng<\/em><\/h5>\n

\u0110\u1ed9ng th\u00e1i n\u00e0y ngay l\u1eadp t\u1ee9c \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng kh\u00e1 l\u1edbn \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd nh\u01b0 ABIC, C\u00f4ng ty b\u1ea3o hi\u1ec3m BIDV (BIC), C\u00f4ng ty B\u1ea3o hi\u1ec3m VietinBank (VBI)\u2026 V\u00ec Bancasurance phi nh\u00e2n th\u1ecd chi\u1ebfm 80-90% t\u1ef7 tr\u1ecdng doanh thu. Theo chia s\u1ebb c\u1ee7a b\u00e0 B\u00e0 B\u00f9i Th\u1ecb Thanh Xu\u00e2n, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ee5 tr\u00e1ch Ban \u0111i\u1ec1u h\u00e0nh VBI, ch\u1ec9 ri\u00eang 2 ng\u00e0y \u0111\u1ea7u ti\u00ean trong th\u00e1ng 7 doanh s\u1ed1 b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng gi\u1ea3m t\u1edbi 50%. Nguy\u00ean nh\u00e2n ch\u00ednh l\u00e0 nhi\u1ec1u chi nh\u00e1nh ng\u00e2n h\u00e0ng t\u1ea1m d\u1eebng b\u00e1n b\u1ea3o hi\u1ec3m cho \u0111\u1ea1i l\u00fd khi n\u00e0o c\u00f3 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 t\u1eeb Lu\u1eadt n\u1ebfu \u0111\u01b0\u1ee3c ph\u00e9p th\u1ef1c hi\u1ec7n nghi\u1ec7p v\u1ee5 n\u00e0y th\u00ec h\u1ecd m\u1edbi ti\u1ebfp t\u1ee5c.<\/p>\n

Trong khi th\u1ef1c t\u1ebf, t\u1ea1i \u0110i\u1ec1u 133 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1edbi \u0111\u00e3 quy \u0111\u1ecbnh NHTM \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m, ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

<\/h6>\n

Nh\u01b0ng \u0111i\u1ec1u b\u1ecb c\u1ea5m l\u1ea1i quy \u0111\u1ecbnh nh\u01b0 tr\u00ean d\u1eabn \u0111\u1ebfn c\u00e1ch hi\u1ec3u kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t. Theo b\u00e0 Xu\u00e2n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd hi\u1ec7n v\u1eabn th\u1ef1c hi\u1ec7n t\u01b0 v\u1ea5n, h\u1ed7 tr\u1ee3 kh\u00e1ch b\u00ecnh th\u01b0\u1eddng, kh\u00f4ng c\u00f3 vi ph\u1ea1m. Nh\u01b0ng vi\u1ec7c ch\u1ec9 nh\u00ecn v\u00e0o quy \u0111\u1ecbnh c\u1ea5m tr\u00ean v\u00e0 hi\u1ec3u kh\u00f3 r\u00f5 r\u00e0ng vi\u1ec7c “g\u1eafn” \u0111\u00e3 g\u00e2y kh\u00f3 cho doanh nghi\u1ec7p. \u0110i\u1ec1u n\u00e0y c\u00e0ng khi\u1ebfn cho kh\u00f3 kh\u0103n ch\u1ed3ng ch\u1ea5t kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd v\u1ed1n \u0111ang b\u1ecb v\u1ea1 l\u00e2y b\u1edfi nh\u1eefng l\u00f9m x\u00f9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd trong th\u1eddi gian v\u1eeba qua c\u0169ng nh\u01b0 t\u00e1c \u0111\u1ed9ng c\u1ee7a \u0111\u1ee3t d\u1ecbch covid 19.<\/p>\n

\u00d4ng Nguy\u1ec5n H\u1ed3ng Phong chia s\u1ebb, 10 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd t\u1eeb 10-15%. Nh\u01b0ng n\u0103m 2023, t\u0103ng tr\u01b0\u1edfng th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd kho\u1ea3ng h\u01a1n 2%. Trong khi \u0111\u00f3 \u0111a ph\u1ea7n c\u00f4ng ty t\u0103ng tr\u01b0\u1edfng \u00e2m trong \u0111\u00f3 c\u00f3 ABIC. \u201cCh\u01b0a bao gi\u1edd ng\u00e0nh b\u1ea3o hi\u1ec3m g\u1eb7p \u201cc\u00fa s\u1ed1c\u201d v\u00e0 kh\u1ee7ng ho\u1ea3ng l\u1edbn nh\u01b0 hi\u1ec7n t\u1ea1i\u201d, \u00f4ng Phong b\u00e0y t\u1ecf.<\/p>\n

Kh\u00f4ng n\u00ean \u0111\u00e1nh \u0111\u1ed3ng c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m<\/strong><\/h5>\n

Quy \u0111\u1ecbnh tr\u00ean theo m\u1ed9t \u0111\u1ea1i di\u1ec7n \u0110o\u00e0n Lu\u1eadt s\u01b0 TP. H\u00e0 N\u1ed9i \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 khi cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c g\u1eafn v\u1edbi vi\u1ec7c b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c \u0111\u01b0\u1ee3c b\u00e1n. Ngh\u0129a l\u00e0, ng\u00e2n h\u00e0ng ch\u1ec9 \u0111\u01b0\u1ee3c ch\u1ee7 \u0111\u1ed9ng cho kh\u00e1ch h\u00e0ng ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c ph\u1ea3i mua.<\/p>\n

C\u1ee5 th\u1ec3 \u1edf \u0111\u00e2y, theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 67\/2023\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi, b\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c, b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 x\u00e2y d\u1ef1ng, c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c ph\u1ea3i mua l\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi, b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c x\u00e2y d\u1ef1ng, b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c ch\u00e1y n\u1ed5. C\u00f2n v\u1edbi nh\u1eefng s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c ph\u1ea3i mua nh\u01b0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u00fd cho kh\u00e1ch h\u00e0ng ti\u1ebfp c\u1eadn.<\/p>\n

Chung quan \u0111i\u1ec3m, theo 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><\/em>, Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam quy \u0111\u1ecbnh tr\u00ean \u0111\u01b0\u1ee3c hi\u1ec3u \u0111\u00fang r\u1eb1ng kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh l\u00e0 TCTD kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1n m\u00e0 l\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1n k\u00e8m v\u1edbi \u0111i\u1ec1u ki\u1ec7n l\u00e0 ph\u1ea3i mua b\u1ea3o hi\u1ec3m th\u00ec m\u1edbi \u0111\u01b0\u1ee3c h\u1ea1 l\u00e3i su\u1ea5t, cho vay, hay l\u00e0 nh\u1eefng c\u00e1i \u0111i\u1ec1u ki\u1ec7n kh\u00e1c \u0111\u1ec3 c\u00f3 t\u00ednh ch\u1ea5t l\u00e0 \u00e9p bu\u1ed9c. C\u00f2n n\u1ebfu l\u00e0 t\u1ef1 nguy\u1ec7n th\u00ec ho\u00e0n to\u00e0n v\u1eabn \u0111\u01b0\u1ee3c l\u00e0m \u0111\u1ea1i l\u00fd, \u0111\u01b0\u1ee3c cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 tr\u01b0\u1edbc.<\/em><\/p>\n

<\/h6>\n

\u201cN\u1ebfu nh\u1eefng ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n b\u1eaft bu\u1ed9c ph\u1ea3i mua b\u1ea3o hi\u1ec3m nh\u01b0 nh\u00e0 c\u1eeda, \u00f4 t\u00f4\u2026 tr\u00ean mang th\u1ebf ch\u1ea5p vay v\u1ed1n ng\u00e2n h\u00e0ng, th\u00ec ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng hay ch\u1ee7 t\u00e0i s\u1ea3n ph\u1ea3i mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u1ed1n ng\u00e2n h\u00e0ng. Trong tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n c\u0169ng c\u00f3 quy\u1ec1n m\u00f4i gi\u1edbi, l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00f3 l\u00e0 ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n theo \u0111\u00fang quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c c\u1ee7a ph\u00e1p lu\u1eadt ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u00e9p bu\u1ed9c b\u00e1n k\u00e8m\u201d, Lu\u1eadt s\u01b0\u00a0<\/span><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0kh\u1eb3ng \u0111\u1ecbnh.<\/em><\/p>\n

Theo chia s\u1ebb c\u1ee7a \u0111\u1ea1i di\u1ec7n Agribank, B\u1ea3o hi\u1ec3m Vietinbank v\u00e0 B\u1ea3o hi\u1ec3m BIDV, trong 10 n\u0103m qua, 3 c\u00f4ng ty n\u00e0y \u0111\u00e3 ch\u1ec9 tr\u1ea3 b\u1ed3i th\u01b0\u1eddng h\u01a1n 20 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng cho c\u00e1c kh\u00e1ch h\u00e0ng g\u1eb7p r\u1ee7i ro. Trong s\u1ed1 n\u00e0y ph\u1ea7n l\u1edbn l\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng vay v\u1ed1n t\u1ea1i c\u00e1c NHTM. N\u1ebfu kh\u00f4ng c\u00f3 kho\u1ea3n ti\u1ec1n b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng th\u00ec kho\u1ea3n n\u1ee3 \u0111\u00f3 s\u1ebd l\u00e0 g\u00e1nh n\u1eb7ng l\u1edbn cho kh\u00e1ch h\u00e0ng, v\u1ec1 ph\u00eda ng\u00e2n h\u00e0ng ch\u1ecbu \u00e1p l\u1ef1c n\u1ee3 x\u1ea5u, ti\u1ec1m \u1ea9n r\u1ee7i ro cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

\u00d4ng Nguy\u1ec5n Ti\u1ebfn H\u1ea3i – Ch\u1ee7 t\u1ecbch H\u0110QT ABIC b\u1ed5 sung th\u00eam v\u1ec1 l\u1ee3i \u00edch n\u1eefa c\u1ee7a b\u1ea3o hi\u1ec3m l\u00e0 kh\u00f4ng l\u00e0m ngh\u00e8o h\u00f3a gia \u0111\u00ecnh kh\u00e1ch h\u00e0ng vay v\u1ed1n. \u0110\u01a1n c\u1eed, khi vay ch\u1eb3ng may kh\u00e1ch h\u00e0ng qua \u0111\u1eddi, n\u1ebfu c\u00f3 b\u1ea3o hi\u1ec3m th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 thay to\u00e0n b\u1ed9 kho\u1ea3n vay \u0111\u00f3. T\u00e0i s\u1ea3n gia \u0111\u00ecnh kh\u00f4ng b\u1ecb ng\u00e2n h\u00e0ng ph\u00e1t m\u00e3i \u0111\u1ec3 thu h\u1ed3i n\u1ee3, ng\u01b0\u1eddi th\u00e2n c\u1ee7a h\u1ecd kh\u00f4ng b\u1ecb ng\u00e2n h\u00e0ng \u0111\u00e1nh h\u1ec7 s\u1ed1 t\u00edn d\u1ee5ng th\u1ea5p, v\u00e0 v\u1eabn ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c vay v\u1ed1n \u0111\u1ec3 ph\u00e1t tri\u1ec3n kinh t\u1ebf gia \u0111\u00ecnh.<\/p>\n

<\/h6>\n

Ng\u01b0\u1ee3c l\u1ea1i n\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng may ng\u01b0\u1eddi vay v\u1ed1n t\u1eed n\u1ea1n, ng\u01b0\u1eddi th\u00e2n kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3, ng\u00e2n h\u00e0ng s\u1ebd ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n l\u00e0 nh\u00e0 c\u1eeda \u0111\u1ea5t \u0111ai. Khi \u0111\u00f3 ng\u01b0\u1eddi th\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb b\u1ea7n c\u00f9ng h\u00f3a v\u00e0 ngh\u00e8o th\u00eam. \u1ede ABIC, ch\u1ec9 ri\u00eang hai n\u0103m qua \u0111\u01a1n v\u1ecb n\u00e0y chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m trong l\u0129nh v\u1ef1c tam n\u00f4ng kho\u1ea3ng 1.500 t\u1ef7 \u0111\u1ed3ng gi\u00fap h\u00e0ng tri\u1ec7u n\u00f4ng d\u00e2n kh\u00f4ng b\u1ecb chuy\u1ec3n sang n\u1ee3 x\u1ea5u ho\u1eb7c ph\u00e1t m\u00e3i t\u00e0i s\u1ea3n.<\/p>\n

<\/h6>\n

T\u01b0\u01a1ng t\u1ef1 t\u1ea1i VBI, b\u00e0 Xu\u00e2n cho bi\u1ebft, trong n\u0103m 2023, C\u00f4ng ty \u0111\u00e3 chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng 400 t\u1ef7 \u0111\u1ed3ng cho kh\u00e1ch h\u00e0ng g\u1eb7p r\u1ee7i ro ngo\u00e0i \u00fd mu\u1ed1n. S\u1ef1 chia s\u1ebb t\u1eeb ph\u00eda C\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 gi\u00fap cho gia \u0111\u00ecnh v\u01b0\u1ee3t qua kh\u00f3 kh\u0103n, t\u00e0i s\u1ea3n \u0111\u1ea3m b\u1ea3o b\u1ecb ph\u00e1t m\u1ea1i. Nh\u01b0 v\u1eady, khi mua b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng gi\u00fap cho ti\u1ebft ki\u1ec7m ngu\u1ed3n l\u1ef1c cho c\u00e1c b\u00ean v\u00e0 nh\u1ea5t l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 s\u1ef1 b\u1ea3o v\u1ec7 t\u1eeb ph\u00eda ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n

C\u00f3 th\u1ec3 th\u1ea5y vai tr\u00f2 r\u1ea5t l\u1edbn, \u00fd ngh\u0129a nh\u00e2n v\u0103n c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m n\u00f3i chung, b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd n\u00f3i ri\u00eang \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf. Ch\u00ednh v\u00ec v\u1eady, nhi\u1ec1u n\u01b0\u1edbc ph\u00e1t tri\u1ec3n nh\u01b0 Ph\u00e1p ng\u00e0nh B\u1ea3o hi\u1ec3m chi ph\u1ed1i 30% th\u1ecb tr\u01b0\u1eddng v\u1ed1n, chi\u1ebfm 7-8% GDP trong khi t\u1ea1i Vi\u1ec7t Nam ch\u01b0a \u0111\u1ebfn 3%, d\u01b0 \u0111\u1ecba c\u1ee7a th\u1ecb tr\u01b0\u1eddng n\u00e0y c\u00f2n r\u1ea5t l\u1edbn.<\/p>\n

B\u00e0 B\u00f9i Th\u1ecb Thanh Xu\u00e2n cho bi\u1ebft, d\u01b0 \u0111\u1ecba th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u1edf Vi\u1ec7t Nam c\u00f2n r\u1ea5t l\u1edbn. Tuy nhi\u00ean, n\u0103m qua, t\u1eeb nh\u1eefng sai s\u00f3t c\u1ee7a m\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u00e0 \u1ea3nh h\u01b0\u1edfng l\u00f2ng tin c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u00e2u \u0111\u00f3 kh\u00e1ch h\u00e0ng e ng\u1ea1i v\u1edbi lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 lan t\u1ecfa ti\u00eau c\u1ef1c sang c\u1ea3 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd. Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m b\u1ecb \u0111\u00e1nh \u0111\u1ed3ng khi\u1ebfn nhi\u1ec1u doanh nghi\u1ec7p l\u00e0m \u0103n ch\u00e2n ch\u00ednh, nhi\u1ec1u lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m mang t\u00ednh ch\u1ea5t an sinh x\u00e3 h\u1ed9i, \u0111\u1ea3m b\u1ea3o chia s\u1ebb r\u1ee7i ro b\u1ecb \u0111\u00e1nh \u0111\u1ed3ng v\u00e0 g\u1eb7p v\u00f4 v\u00e0n kh\u00f3 kh\u0103n.<\/p>\n

<\/h6>\n

\u00d4ng Nguy\u1ec5n Ti\u1ebfn H\u1ea3i \u0111\u1ec1 ngh\u1ecb c\u1ea7n ph\u1ea3i l\u00e0m minh b\u1ea1ch, s\u00e1ng t\u1ecf nh\u1eefng t\u1ed3n t\u1ea1i c\u1ee7a ng\u00e0nh B\u1ea3o hi\u1ec3m tr\u1ea3 l\u1ea1i c\u00f4ng b\u1eb1ng cho n\u1ed7 l\u1ef1c \u0111ang ph\u1ea5n \u0111\u1ea5u c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd ho\u1ea1t \u0111\u1ed9ng kinh doanh nghi\u00eam t\u00fac. Kh\u00f4ng n\u00ean \u0111\u00e1nh \u0111\u1ed3ng c\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u201cg\u1eafn m\u00e1c\u201d x\u1ea5u, v\u00f4 h\u00ecnh chung \u201cb\u00f3p ngh\u1eb9t\u201d ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n

\u00d4ng Tr\u1ea7n Ho\u00e0i An, T\u1ed5ng gi\u00e1m \u0111\u1ed1c BIC mong mu\u1ed1n c\u00e1c c\u01a1 quan ban ng\u00e0nh s\u1edbm ban h\u00e0nh Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p, ng\u01b0\u1eddi d\u00e2n d\u1ec5 d\u00e0ng th\u1ef1c hi\u1ec7n. C\u1ee5 th\u1ec3, \u0111\u1ed1i v\u1edbi Lu\u1eadt c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i r\u1ea5t mong NHNN s\u1edbm ban h\u00e0nh th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3, r\u00f5 r\u00e0ng \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, TCTD nghi\u00eam t\u00fac th\u1ef1c hi\u1ec7n. T\u1eeb \u0111\u00f3 gi\u00fap c\u00f4ng ty b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd y\u00ean t\u00e2m kinh doanh, c\u1ed1ng hi\u1ebfn nhi\u1ec1u h\u01a1n cho x\u00e3 h\u1ed9i, b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n d\u00f2ng v\u1ed1n c\u1ee7a c\u00e1c TCTD \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf.<\/p>\n

\u0110\u1ea1i di\u1ec7n ABIC kh\u1eb3ng \u0111\u1ecbnh, t\u1ea1i ABIC v\u00e0 m\u1ed9t s\u1ed1 doanh nghi\u1ec7p kh\u00e1c nh\u01b0 BIC, b\u1ea3o hi\u1ec3m VietinBank \u0111\u1ec1u tu\u00e2n th\u1ee7 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u00e0 vi\u1ec7c t\u01b0 v\u1ea5n, b\u00e1n b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng \u0111\u1ec1u tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n. \u1ede ph\u00eda ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 doanh nghi\u1ec7p v\u00e0 \u0111\u1ec1u mu\u1ed1n c\u00f3 bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd, qu\u1ea3n tr\u1ecb r\u1ee7i ro c\u1ee7a doanh nghi\u1ec7p.<\/p>\n

B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd ch\u00ednh l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 qu\u1ea3n tr\u1ecb r\u1ee7i ro. \u201cCh\u00fang ta \u0111ang ngh\u0129 t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n vay c\u1ee7a ng\u00e2n h\u00e0ng. Nh\u01b0ng r\u1ea5t nhi\u1ec1u kho\u1ea3n vay, th\u1eadm ch\u00ed l\u00e0 t\u00edn ch\u1ea5p, kh\u00f4ng c\u00f3 g\u00ec b\u1ea3o v\u1ec7 hay nhi\u1ec1u kho\u1ea3n vay, t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n th\u00f4i… Ch\u01b0a k\u1ec3 n\u1ebfu c\u00f3 r\u1ee7i ro, t\u1ec9 l\u1ec7 n\u1ee3 x\u1ea5u l\u00ean cao th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i ch\u1ecbu. V\u00ec v\u1eady, n\u1ebfu c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n, c\u00f4ng c\u1ee5 qu\u1ea3n tr\u1ecb r\u1ee7i ro th\u00ec kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3 x\u00e3 h\u1ed9i s\u1ebd \u0111\u01b0\u1ee3c l\u1ee3i\u201d, \u00f4ng Phong n\u00eau th\u00eam.<\/p>\n

<\/h6>\n

Nhi\u1ec1u chuy\u00ean gia c\u0169ng \u0111\u1ed3ng t\u00ecnh c\u1ea7n xem x\u00e9t v\u1eabn cho ph\u00e9p c\u00e1c NHTM 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. C\u0169ng c\u00f3 \u0111\u1ec1 xu\u1ea5t c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn lu\u1eadt c\u00f3 th\u1ec3 ph\u00e2n t\u00e1ch gi\u1eefa b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 phi nh\u00e2n th\u1ecd \u0111\u1ec3 c\u00f3 \u0111i\u1ec1u ch\u1ec9nh cho ph\u00f9 h\u1ee3p.<\/p>\n

Ph\u00f3 Ch\u1ee7 t\u1ecbch ki\u00eam T\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i Ng\u00e2n h\u00e0ng TS. Nguy\u1ec5n Qu\u1ed1c H\u00f9ng c\u0169ng tin r\u1eb1ng, t\u1ea1i Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a NHNN s\u1ebd quy \u0111\u1ecbnh r\u00f5 v\u00e0 cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n l\u00e0m \u0111\u1ea1i l\u00fd b\u00e1n b\u1ea3o hi\u1ec3m.<\/p>\n

Ph\u01b0\u01a1ng Th\u1ea3o<\/strong><\/p>\n

————-<\/em><\/p>\n

TB<\/em><\/strong> Ng\u00e2n h\u00e0ng<\/em><\/strong> (Th\u1ef1c<\/em><\/strong> ti\u1ec5n<\/em><\/strong>) ng\u00e0y <\/em><\/strong>05-7<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/thoibaonganhang.vn\/cong-ty-bao-hiem-phi-nhan-tho-van-chua-het-tai-bay-va-gio-153286.html<\/a><\/em><\/p>\n

(<\/em>201\/2.241<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

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