{"id":40167,"date":"2024-07-15T22:09:12","date_gmt":"2024-07-15T15:09:12","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=40167"},"modified":"2024-09-30T10:36:03","modified_gmt":"2024-09-30T03:36:03","slug":"4-323-hoat-dong-bancassurance-mong-cho-van-ban-huong-dan","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-326-hoat-dong-bancassurance-mong-cho-van-ban-huong-dan\/","title":{"rendered":"4.326. Ho\u1ea1t \u0111\u1ed9ng bancassurance: Mong ch\u1edd v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn"},"content":{"rendered":"

Ho\u1ea1t \u0111\u1ed9ng bancassurance: Mong ch\u1edd v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn<\/span><\/h4>\n
(KTVN) – Ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) t\u1ee5t d\u1ed1c kh\u00f4ng phanh sau kh\u1ee7ng ho\u1ea3ng k\u00e9o d\u00e0i t\u1eeb n\u0103m 2023 \u0111\u1ebfn nay. Nhi\u1ec1u doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m cho bi\u1ebft \u0111ang n\u1ed7 l\u1ef1c c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, t\u00e1i c\u1ea5u tr\u00fac \u0111\u1ec3 th\u00edch \u1ee9ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh m\u1edbi c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m, l\u1ea5y l\u1ea1i ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean, l\u1ed1i tho\u00e1t \u0111\u1ed1i v\u1edbi bancassurance v\u1eabn m\u1edd m\u1ecbt b\u1edfi nhi\u1ec1u l\u00fd do, trong \u0111\u00f3 c\u00f3 c\u1ea3 s\u1ef1 kh\u00f3 hi\u1ec3u c\u1ee7a quy \u0111\u1ecbnh lu\u1eadt ph\u00e1p…<\/strong><\/h5>\n

M\u1ed9t s\u1ed1 \u0111\u01a1n v\u1ecb l\u0111ang \u00fang t\u00fang trong tri\u1ec3n khai bancassurance.<\/p>\n

Kho\u1ea3n 5, \u0110i\u1ec1u 15 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 c\u00f3 hi\u1ec7u l\u1ef1c ng\u00e0y 1\/7\/2024 b\u1ed5 sung h\u00e0nh vi b\u1ecb nghi\u00eam c\u1ea5m: \u201c5. T\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. \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh ho\u00e0n to\u00e0n m\u1edbi trong Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 hi\u1ec7n ch\u01b0a c\u00f3 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn.<\/p>\n

LOAY HOAY M\u1ed8T CH\u1eee “G\u1eaeN”<\/strong><\/h5>\n

M\u1ed9t s\u1ed1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3n \u00e1nh hi\u1ec7n c\u00f3 nhi\u1ec1u quan \u0111i\u1ec3m, c\u00e1ch hi\u1ec3u kh\u00e1c nhau v\u1ec1 vi\u1ec7c th\u1ebf n\u00e0o l\u00e0 \u201cg\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\u201d t\u1ea1i t\u1eebng \u0111\u1ecba b\u00e0n, t\u1eebng Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 t\u1eebng chi nh\u00e1nh ng\u00e2n h\u00e0ng, n\u00ean vi\u1ec7c tri\u1ec3n khai k\u00eanh bancassurance g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n.<\/p>\n

\u201cCh\u00fang t\u00f4i v\u1eabn \u0111ang \u0111i t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi th\u1ebf n\u00e0o l\u00e0 g\u1eafn k\u00e8m? Ch\u00fang t\u00f4i \u0111\u00e3 tham v\u1ea5n \u00fd ki\u1ebfn c\u1ee7a c\u00e1c lu\u1eadt s\u01b0, chuy\u00ean gia ph\u00e1p l\u00fd, c\u00f9ng nhau th\u1ea3o lu\u1eadn \u0111\u1ec3 hi\u1ec3u th\u1ebf n\u00e0o l\u00e0 g\u1eafn k\u00e8m, nh\u01b0ng \u0111\u1ebfn nay ch\u01b0a \u0111\u01b0a ra \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi th\u1ed1ng nh\u1ea5t. T\u1eeb \u201cg\u1eafn k\u00e8m\u201d n\u00e0y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00e1 nhi\u1ec1u v\u00e0 ch\u00fang t\u00f4i \u0111ang mong ch\u1edd c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ed1i v\u1edbi n\u1ed9i dung n\u00e0y\u201d, \u00f4ng Nguy\u1ec5n H\u1ed3ng Phong, T\u1ed5ng gi\u00e1m \u0111\u1ed1c C\u00f4ng ty C\u1ed5 ph\u1ea7n B\u1ea3o hi\u1ec3m Ng\u00e2n h\u00e0ng N\u00f4ng nghi\u1ec7p (ABIC) cho bi\u1ebft.<\/p>\n

B\u00e0 L\u00ea Th\u1ecb Qu\u1ef3nh Hoa, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c T\u1ed5ng C\u00f4ng ty B\u1ea3o hi\u1ec3m VietinBank (VBI), cho bi\u1ebft \u0111\u00e3 nhi\u1ec1u l\u1ea7n trao \u0111\u1ed5i v\u1edbi c\u00e1c chuy\u00ean gia, \u0111\u1ea1i di\u1ec7n c\u1ee7a chi nh\u00e1nh Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u1edf c\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng v\u1ec1 vi\u1ec7c \u201cg\u1eafn k\u00e8m\u201d l\u00e0 nh\u01b0 th\u1ebf n\u00e0o? \u00c9p bu\u1ed9c mua b\u1ea3o hi\u1ec3m khi vay v\u1ed1n th\u00ec g\u1ecdi l\u00e0 g\u1eafn k\u00e8m hay vi\u1ec7c ch\u00e0o b\u00e1n t\u01b0 v\u1ea5n c\u0169ng g\u1ecdi l\u00e0 g\u1eafn k\u00e8m? Tuy nhi\u00ean, m\u1ed7i ng\u01b0\u1eddi l\u1ea1i cho m\u1ed9t c\u00e2u tr\u1ea3 l\u1eddi v\u1edbi c\u00e1ch hi\u1ec3u kh\u00e1c nhau m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 th\u1ed1ng nh\u1ea5t. Do \u0111\u00f3, k\u1ec3 t\u1eeb ng\u00e0y 1\/7\/2024, nhi\u1ec1u ng\u00e2n h\u00e0ng v\u1edbi quan \u0111i\u1ec3m th\u1eadn tr\u1ecdng \u0111\u00e3 t\u1ea1m ng\u1eebng ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u n\u00e0y khi\u1ebfn doanh s\u1ed1 c\u1ee7a VBI s\u1ee5t gi\u1ea3m nghi\u00eam tr\u1ecdng.<\/p>\n

\u201cKhi ch\u00fang t\u00f4i l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c lu\u1eadt s\u01b0 v\u00e0 chuy\u00ean gia ph\u00e1p l\u00fd v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c, h\u1ecd c\u0169ng b\u0103n kho\u0103n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c l\u00e0 so v\u1edbi c\u00e1i g\u00ec? N\u1ebfu l\u1ea5y c\u01a1 s\u1edf l\u00e0 Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m th\u00ec ch\u1ec9 c\u00f3 v\u00e0i d\u00f2ng s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c th\u00f4i. Tuy nhi\u00ean, theo th\u00f4ng l\u1ec7 tr\u00ean th\u1ebf gi\u1edbi ch\u1ee9 kh\u00f4ng ri\u00eang \u1edf Vi\u1ec7t Nam, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng y\u00eau c\u1ea7u kh\u00e1ch h\u00e0ng mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m gi\u00fap b\u1ea3o v\u1ec7 an to\u00e0n cho kho\u1ea3n vay nh\u1eb1m \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng an to\u00e0n c\u1ee7a ng\u00e2n h\u00e0ng\u201d, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c VBI chia s\u1ebb.<\/p>\n

\u0110\u1ea1i di\u1ec7n c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m n\u00f3i tr\u00ean c\u0169ng cho bi\u1ebft c\u00f3 t\u00ecnh tr\u1ea1ng di\u1ec5n gi\u1ea3i Kho\u1ea3n 5 \u0110i\u1ec1u 15 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 quy \u0111\u1ecbnh c\u1ea5m t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n gi\u1edbi thi\u1ec7u, t\u01b0 v\u1ea5n, ch\u00e0o b\u00e1n b\u1ea3o hi\u1ec3m. \u0110\u00e2y l\u00e0 t\u1ed5n th\u1ea5t l\u1edbn v\u1edbi c\u1ea3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

Trao \u0111\u1ed5i v\u1edbi VnEconomy, 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>,<\/em> Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam, cho bi\u1ebft hai t\u1eeb kh\u00f3a t\u1ea1i Kho\u1ea3n 5 \u0110i\u1ec1u 15 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 l\u00e0 \u201cg\u1eafn\u201d v\u00e0 \u201ckh\u00f4ng b\u1eaft bu\u1ed9c\u201d. \u201cG\u1eafn\u201d \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 \u00e9p bu\u1ed9c. Mu\u1ed1n x\u00e1c \u0111\u1ecbnh c\u00f3 \u201cg\u1eafn\u201d hay kh\u00f4ng th\u00ec \u0111\u1eb7t c\u00e2u h\u1ecfi ng\u01b0\u1ee3c l\u1ea1i: \u0110i\u1ec1u ki\u1ec7n gi\u1ea3i ng\u00e2n th\u00f4ng th\u01b0\u1eddng v\u1edbi c\u00e1c kho\u1ea3n vay l\u00e0 g\u00ec? \u0110i\u1ec1u ki\u1ec7n vay c\u00f3 li\u00ean quan g\u00ec \u0111\u1ebfn s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00f4ng (tr\u1eeb b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c)?<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c ph\u00e2n t\u00edch, theo quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 5 \u0110i\u1ec1u 15 th\u00ec ph\u1ea3i song song c\u1ea3 \u201cg\u1eafn\u201d v\u00e0 \u201ckh\u00f4ng b\u1eaft bu\u1ed9c\u201d m\u1edbi b\u1ecb c\u1ea5m b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng. Ngh\u0129a l\u00e0 \u201cg\u1eafn\u201d nh\u01b0ng v\u1edbi s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c th\u00ec kh\u00f4ng c\u1ea5m.\u00a0\u00a0<\/em><\/p>\n

\"Ho\u1ea1t<\/p>\n

Lu\u1eadt s\u01b0 <\/em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/a>,<\/em> Tr\u1ecdng t\u00e0i vi\u00ean Trung t\u00e2m Tr\u1ecdng t\u00e0i qu\u1ed1c t\u1ebf Vi\u1ec7t Nam.<\/em><\/p>\n

“\u0110\u1ea7u ti\u00ean ph\u1ea3i hi\u1ec3u tinh th\u1ea7n l\u00e0 lu\u1eadt c\u1ea5m c\u00e1c h\u00e0nh vi b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng l\u00e0m l\u1ee3i cho b\u00ean b\u00e1n m\u00e0 g\u00e2y thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng; vi\u1ec7c mua b\u1ea3o hi\u1ec3m n\u1eb1m ngo\u00e0i mong mu\u1ed1n, ngo\u00e0i \u00fd ch\u00ed t\u1ef1 nguy\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng. Hai b\u00ean giao k\u1ebft h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng x\u1ea3y ra tranh ch\u1ea5p, kh\u00f4ng x\u1ea3y ra khi\u1ebfu n\u1ea1i l\u00e0 b\u1eb1ng ch\u1ee9ng tuy\u1ec7t v\u1eddi nh\u1ea5t cho vi\u1ec7c t\u1ef1 nguy\u1ec7n, minh b\u1ea1ch,… m\u00e0 kh\u00f4ng c\u1ea7n d\u00f9ng \u0111\u1ebfn c\u00e1c gi\u1ea3i ph\u00e1p khi\u00ean c\u01b0\u1ee1ng nh\u01b0 k\u00fd gi\u1ea5y cam k\u1ebft t\u1ef1 nguy\u1ec7n mua b\u1ea3o hi\u1ec3m”.<\/em><\/strong><\/p>\n

\u0110i\u1ec1u 8 Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m n\u0103m 2022 quy \u0111\u1ecbnh: “B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u1eb1m m\u1ee5c \u0111\u00edch b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u00f4ng c\u1ed9ng, m\u00f4i tr\u01b0\u1eddng v\u00e0 an to\u00e0n x\u00e3 h\u1ed9i. B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c bao g\u1ed3m: 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; b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c quy \u0111\u1ecbnh t\u1ea1i lu\u1eadt kh\u00e1c \u0111\u00e1p \u1ee9ng quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0110i\u1ec1u n\u00e0y”.<\/em><\/p>\n

\u201cNh\u01b0 v\u1eady, hi\u1ec7n nay lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m cho ho\u1ea1t \u0111\u1ed9ng vay v\u1ed1n ng\u00e2n h\u00e0ng l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c\u201d, Lu\u1eadt s\u01b0 \u0110\u1ee9c cho bi\u1ebft.<\/em><\/p>\n

Theo \u00f4ng \u0110\u1ee9c, khi lu\u1eadt \u0111\u00e3 ban h\u00e0nh v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c th\u00ec nguy\u00ean t\u1eafc l\u00e0 quy \u0111\u1ecbnh g\u00ec \u0111\u00e3 r\u00f5 r\u00e0ng th\u00ec c\u1ee9 th\u1ebf m\u00e0 th\u1ef1c hi\u1ec7n, c\u00f2n n\u1ebfu cho r\u1eb1ng ch\u01b0a r\u00f5 r\u00e0ng th\u00ec theo nguy\u00ean l\u00fd s\u01a1 \u0111\u1eb3ng nh\u1ea5t l\u00e0 ph\u1ea3i hi\u1ec3u r\u00f5 quy \u0111\u1ecbnh c\u1ea5m n\u00e0y h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau g\u00ec, t\u1eeb \u0111\u00f3 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt.<\/em><\/p>\n

TH\u1eca TR\u01af\u1edcNG C\u1ea6N V\u0102N B\u1ea2N H\u01af\u1edaNG D\u1eaaN C\u1ee4 TH\u1ec2<\/strong><\/h5>\n

Theo Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0, Ch\u1ee7 t\u1ecbch C\u00f4ng ty Lu\u1eadt SBLaw, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1, hi\u1ec3u \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 5 \u0110i\u1ec1u 15, c\u1ea7n \u0111\u1eb7t trong t\u1ed5ng th\u1ec3 v\u1edbi c\u00e1c quy \u0111\u1ecbnh kh\u00e1c t\u1ea1i Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng nh\u01b0 c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m. Theo \u0111\u00f3, ngo\u00e0i quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 5 \u0110i\u1ec1u 15, t\u1ea1i c\u00e1c \u0110i\u1ec1u 113, \u0110i\u1ec1u 119, \u0110i\u1ec1u 124, \u0110i\u1ec1u 126, \u0110i\u1ec1u 130 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng quy \u0111\u1ecbnh v\u1ec1 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng g\u1ed3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty t\u00e0i ch\u00ednh, qu\u1ef9 t\u00edn d\u1ee5ng nh\u00e2n d\u00e2n, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh vi m\u00f4.<\/p>\n

Trong \u0111\u00f3, \u0110i\u1ec1u 113 quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i: \u201c2. Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \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\u201d, quy \u0111\u1ecbnh n\u00e0y c\u0169ng \u00e1p d\u1ee5ng t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00e1c. C\u0103n c\u1ee9 theo quy \u0111\u1ecbnh n\u00e0y th\u00ec c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng bao g\u1ed3m ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1eabn \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m nh\u01b0 hi\u1ec7n nay.<\/p>\n

Theo Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng trong \u0111\u00f3 c\u00f3 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u1ea3 6 ho\u1ea1t \u0111\u1ed9ng theo \u1ee7y quy\u1ec1n c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m khi l\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, bao g\u1ed3m: t\u01b0 v\u1ea5n, gi\u1edbi thi\u1ec7u, ch\u00e0o b\u00e1n, thu x\u1ebfp giao k\u1ebft h\u1ee3p \u0111\u1ed3ng, thu ph\u00ed, thu th\u1eadp h\u1ed3 s\u01a1 b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m.<\/p>\n

\u201cDo \u0111\u00f3, \u0111\u00e1nh gi\u00e1 t\u1ed5ng th\u1ec3 c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 46\/2023\/N\u0110-CP, Th\u00f4ng t\u01b0 67\/2023\/TT-BTC, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, \u0111\u1ed1i v\u1edbi Kho\u1ea3n 5 \u0110i\u1ec1u 15 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, c\u1ea7n hi\u1ec3u r\u1eb1ng \u0111\u01b0\u1ee3c ban h\u00e0nh nh\u1eb1m ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c gi\u1edbi thi\u1ec7u, t\u01b0 v\u1ea5n, ch\u00e0o b\u00e1n b\u1ea3o hi\u1ec3m c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch minh b\u1ea1ch, r\u00f5 r\u00e0ng, \u0111\u1ed9c l\u1eadp, tr\u00ean c\u01a1 s\u1edf t\u1ef1 nguy\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

Th\u1ee9 nh\u1ea5t,<\/strong>\u00a0nh\u00e2n vi\u00ean th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng khi gi\u1edbi thi\u1ec7u, t\u01b0 v\u1ea5n, ch\u00e0o b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng, ph\u1ea3i cung c\u1ea5p th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7, minh b\u1ea1ch \u0111\u1ebfn ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m r\u1eb1ng \u0111\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng.<\/p>\n

Th\u1ee9 hai,<\/strong>\u00a0t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0a ra quy \u0111\u1ecbnh, y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p t\u00edn d\u1ee5ng ho\u1eb7c s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m v\u1ee5 ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt s\u01b0 H\u00e0 ph\u00e2n t\u00edch.<\/p>\n

Lu\u1eadt s\u01b0 <\/em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/a> cho bi\u1ebft m\u1eb7c d\u00f9 theo nguy\u00ean t\u1eafc c\u1ee7a ph\u00e1p lu\u1eadt th\u00ec kh\u00f4ng c\u1ea7n v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn Kho\u1ea3n 5 \u0110i\u1ec1u 15, nh\u01b0ng n\u1ebfu Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u00f3 h\u01b0\u1edbng d\u1eabn th\u00ec s\u1ebd thu\u1eadn l\u1ee3i h\u01a1n cho th\u1ecb tr\u01b0\u1eddng.<\/em><\/p>\n

\u201cN\u1ebfu nh\u01b0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng ra v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn th\u00ec ch\u1ec9 c\u00f3 \u1ee6y ban Th\u01b0\u1eddng v\u1ee5 Qu\u1ed1c h\u1ed9i m\u1edbi c\u00f3 \u0111\u1ee7 th\u1ea9m quy\u1ec1n ra v\u0103n b\u1ea3n gi\u1ea3i th\u00edch Kho\u1ea3n 5 \u0110i\u1ec1u 15\u201d, \u00f4ng \u0110\u1ee9c th\u00f4ng tin.<\/em><\/p>\n

Lu\u1eadt s\u01b0 <\/em>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/a> khuy\u1ebfn ngh\u1ecb n\u1ebfu Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng th\u00ec n\u00ean li\u1ec7t k\u00ea c\u1ee5 th\u1ec3 nh\u1eefng h\u00e0nh vi \u0111i\u1ec3n h\u00ecnh kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p l\u00e0m v\u00e0 nh\u1eefng h\u00e0nh vi t\u01b0\u01a1ng t\u1ef1\u2026 C\u00f3 th\u1ec3 l\u1ea5y c\u0103n c\u1ee9 l\u00e0 Th\u00f4ng t\u01b0 67\/2023\/TT-BTC \u0111\u1ec3 so\u1ea1n th\u1ea3o v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh th\u1ed1ng nh\u1ea5t gi\u1eefa c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt.<\/em><\/p>\n

C\u00e1c chuy\u00ean gia ph\u00e1p l\u00fd \u0111\u1ed3ng t\u00ecnh r\u1eb1ng quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u1ea7n ch\u1eb7t ch\u1ebd, kh\u00f4ng t\u1ea1o ra l\u1ed7 h\u1ed5ng \u0111\u1ec3 l\u00e1ch lu\u1eadt, nh\u01b0ng c\u0169ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o t\u1ea1o m\u00f4i tr\u01b0\u1eddng thu\u1eadn l\u1ee3i cho c\u00e1c doanh nghi\u1ec7p minh b\u1ea1ch nghi\u00eam t\u00fac ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

TRANH LU\u1eacN V\u1ec0 \u01afU \u0110\u00c3I L\u00c3I SU\u1ea4T N\u1ebeU MUA B\u1ea2O HI\u1ec2M<\/strong><\/h5>\n

Th\u1eddi gian qua, nhi\u1ec1u \u00fd ki\u1ebfn cho r\u1eb1ng vi\u1ec7c ng\u00e2n h\u00e0ng \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t khi vay v\u1ed1n n\u1ebfu kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c \u201c\u00e9p bu\u1ed9c\u201d.\u00a0 Tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch kh\u00f4ng mua b\u1ea3o hi\u1ec3m \u0111i k\u00e8m, l\u00e3i su\u1ea5t c\u1ee7a kho\u1ea3n vay s\u1ebd cao h\u01a1n 1-2%\/n\u0103m so v\u1edbi vi\u1ec7c \u0111\u1ed3ng \u00fd mua b\u1ea3o hi\u1ec3m.<\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n Thanh H\u00e0 cho bi\u1ebft \u0110i\u1ec1u 15 v\u1ec1 B\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a Th\u00f4ng t\u01b0 s\u1ed1 39\/2016\/TT-NHNN quy \u0111\u1ecbnh: \u201cVi\u1ec7c \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay ho\u1eb7c kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay do t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 kh\u00e1ch h\u00e0ng th\u1ecfa thu\u1eadn.<\/p>\n

Vi\u1ec7c th\u1ecfa thu\u1eadn v\u1ec1 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay c\u1ee7a t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1edbi kh\u00e1ch h\u00e0ng ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m v\u00e0 ph\u00e1p lu\u1eadt c\u00f3 li\u00ean quan. T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng quy\u1ebft \u0111\u1ecbnh v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c cho vay kh\u00f4ng \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay.<\/p>\n

Kh\u00e1ch h\u00e0ng, b\u00ean b\u1ea3o \u0111\u1ea3m ph\u1ea3i ph\u1ed1i h\u1ee3p v\u1edbi t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 x\u1eed l\u00fd t\u00e0i s\u1ea3n b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay khi c\u00f3 c\u0103n c\u1ee9 x\u1eed l\u00fd theo th\u1ecfa thu\u1eadn cho vay, h\u1ee3p \u0111\u1ed3ng b\u1ea3o \u0111\u1ea3m ti\u1ec1n vay v\u00e0 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt\u201d.<\/p>\n

\u201cC\u00f3 th\u1ec3 th\u1ea5y, vi\u1ec7c b\u1ea3o \u0111\u1ea3m kho\u1ea3n vay b\u1eb1ng c\u00e1ch mua b\u1ea3o hi\u1ec3m hay b\u1eb1ng b\u1ea5t k\u1ef3 c\u00e1ch th\u1ee9c n\u00e0o kh\u00e1c \u0111\u1ec1u kh\u00f4ng c\u00f3 t\u00ednh ch\u1ea5t b\u1eaft bu\u1ed9c, xu\u1ea5t ph\u00e1t t\u1eeb nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh v\u00e0 t\u00f9y thu\u1ed9c v\u00e0o th\u1ecfa thu\u1eadn t\u1ef1 nguy\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng\u201d, Lu\u1eadt s\u01b0 H\u00e0 n\u00f3i.<\/p>\n

Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c VBI ph\u1ea3n \u0111\u1ed1i quan \u0111i\u1ec3m cho r\u1eb1ng ng\u00e2n h\u00e0ng \u01b0u \u0111\u00e3i l\u00e3i su\u1ea5t cho kh\u00e1ch h\u00e0ng khi mua c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kho\u1ea3n vay l\u00e0 \u00e9p mua b\u1ea3o hi\u1ec3m…<\/p>\n

Phan Linh<\/strong><\/p>\n

—————<\/p>\n

Kinh<\/em><\/strong> t\u1ebf Vi\u1ec7t Nam<\/em><\/strong> (T\u00e0i<\/em><\/strong> ch\u00ednh<\/em><\/strong>) ng\u00e0y <\/em><\/strong>15-7<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/vneconomy.vn\/hoat-dong-bancassurance-mong-cho-van-ban-huong-dan.htm<\/a> <\/em><\/p>\n

(<\/em>591<\/em>\/<\/em>2.183<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Ho\u1ea1t \u0111\u1ed9ng bancassurance: Mong ch\u1edd v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn (KTVN) – Ho\u1ea1t \u0111\u1ed9ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) t\u1ee5t d\u1ed1c kh\u00f4ng phanh sau kh\u1ee7ng ho\u1ea3ng k\u00e9o d\u00e0i t\u1eeb n\u0103m 2023 \u0111\u1ebfn nay. Nhi\u1ec1u doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m cho bi\u1ebft \u0111ang n\u1ed7 l\u1ef1c c\u1ea3i thi\u1ec7n ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, t\u00e1i c\u1ea5u tr\u00fac \u0111\u1ec3 […]<\/p>\n","protected":false},"author":2,"featured_media":40168,"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-40167","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":"\n4.326. 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