{"id":40171,"date":"2024-07-15T22:19:46","date_gmt":"2024-07-15T15:19:46","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=40171"},"modified":"2024-09-30T10:06:40","modified_gmt":"2024-09-30T03:06:40","slug":"3-795-khong-cam-cac-ngan-hang-ban-bao-hiem-lien-ket-dau-tu","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-795-khong-cam-cac-ngan-hang-ban-bao-hiem-lien-ket-dau-tu\/","title":{"rendered":"3.795. Kh\u00f4ng c\u1ea5m c\u00e1c ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Kh\u00f4ng c\u1ea5m c\u00e1c ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0<\/span><\/h4>\n<h5>(\u0110TM) &#8211; Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba ch\u00ednh th\u1ee9c c\u00f4ng b\u1ed1 v\u1eabn cho ph\u00e9p ng\u00e2n h\u00e0ng \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 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m thay v\u00ec c\u1ea5m h\u1eb3n nh\u01b0 d\u1ef1 ki\u1ebfn ban \u0111\u1ea7u.<\/h5>\n<p>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 34\/TT-NHNN thay th\u1ebf cho Th\u00f4ng t\u01b0 s\u1ed1 40\/2011\/TT-NHNN ng\u00e0y 15\/12\/201 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c c\u1ea5p gi\u1ea5y ph\u00e9p v\u00e0 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 n\u01b0\u1edbc ngo\u00e0i 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 t\u1ea1i Vi\u1ec7t Nam.<\/p>\n<p>Trong \u0111\u00f3 quy \u0111\u1ecbnh 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 th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc \u0111\u00f3, NHNN t\u1eebng \u0111\u1ec1 xu\u1ea5t c\u1ea5m c\u00e1c ng\u00e2n h\u00e0ng 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, tr\u1eeb b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-40172 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/07\/Picture1-20-450x270.jpg\" alt=\"Kh\u00f4ng c\u1ea5m ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m\" width=\"450\" height=\"270\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/07\/Picture1-20-450x270.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/07\/Picture1-20.jpg 606w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<h5><em>Bancassurance 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<\/em><\/h5>\n<p>L\u00fd gi\u1ea3i nguy\u00ean nh\u00e2n c\u1ee7a \u0111\u1ec1 xu\u1ea5t c\u1ea5m b\u00e1n b\u1ea3o hi\u1ec3m, NHNN cho bi\u1ebft, do s\u1ea3n ph\u1ea9m 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, \u1ee7y th\u00e1c \u0111\u1ea7u t\u01b0 m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111ang cung c\u1ea5p.<\/p>\n<p>Tuy nhi\u00ean, \u0111\u1ec1 xu\u1ea5t n\u00e0y c\u1ee7a NHNN \u0111\u00e3 g\u1eb7p nhi\u1ec1u tranh c\u00e3i b\u1edfi m\u00f4 h\u00ecnh b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng (bancassurance) v\u1eabn l\u00e0 m\u00f4 h\u00ecnh ph\u1ed5 bi\u1ebfn mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<p>B\u1edfi l\u1ebd, bancassurance 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 (kho\u1ea3ng 50%). Trong khi \u0111\u00f3, kho\u1ea3n ph\u00ed thu \u0111\u01b0\u1ee3c t\u1eeb ho\u1ea1t \u0111\u1ed9ng n\u00e0y trung b\u00ecnh \u0111\u00f3ng g\u00f3p kho\u1ea3ng 37% v\u00e0o t\u1ed5ng thu nh\u1eadp ph\u00ed m\u1ed7i n\u0103m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n<p>Theo l\u00e3nh \u0111\u1ea1o m\u1ed9t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, n\u1ebfu s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 b\u1ecb c\u1ea5m b\u00e1n qua k\u00eanh ng\u00e2n h\u00e0ng, c\u00e1c kh\u00e1ch h\u00e0ng c\u1ee7a k\u00eanh n\u00e0y s\u1ebd kh\u00f4ng c\u00f3 nhi\u1ec1u s\u1ea3n ph\u1ea9m \u0111\u1ec3 l\u1ef1a ch\u1ecdn, trong khi n\u1ebfu \u0111\u01b0\u1ee3c b\u00e1n \u0111\u00fang, t\u01b0 v\u1ea5n r\u00f5 r\u00e0ng th\u00ec \u0111\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m t\u1ed1t.<\/p>\n<h5><em>T\u1ea1i m\u1ed9t h\u1ed9i th\u1ea3o li\u00ean quan \u0111\u1ebfn k\u00eanh bancassurance,<\/em><em> <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0\u00a0<\/span><\/a><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/a>Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\"><strong>ANVI<\/strong><\/a> <\/em><em>cho bi\u1ebft, h\u00e0nh lang ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi m\u00f4 h\u00ecnh b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng \u0111\u00e3 r\u1ea5t ch\u1eb7t ch\u1ebd nh\u01b0 c\u00e1c quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 67 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eeda \u0111\u1ed5i c\u0169ng quy \u0111\u1ecbnh r\u1ea5t r\u00f5 r\u00e0ng.<\/em><\/h5>\n<p><em>C\u1ee5 th\u1ec3, Th\u00f4ng t\u01b0 67 c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh quy \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1n 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. Hay t\u1ea1i Kho\u1ea3n 5 \u0110i\u1ec1u 15 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u0169ng \u0111\u00e3 nghi\u00eam c\u1ea5m g\u1eafn vi\u1ec7c b\u00e1n b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi c\u00e1c d\u1ecbch v\u1ee5, s\u1ea3n ph\u1ea9m c\u1ee7a ng\u00e2n h\u00e0ng d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c.<\/em><\/p>\n<p><em>C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u1ed3ng th\u1eddi 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; ghi \u00e2m l\u1ea1i qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n c\u00e1c s\u1ea3n ph\u1ea9m&#8230; C\u00e1c ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i 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 v\u1edbi nh\u1eefng y\u00eau c\u1ea7u cao \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn.<\/em><\/p>\n<p><em>Theo \u0111\u00f3, \u00f4ng<\/em><em><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">\u00a0<\/span><\/a><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c <\/a><\/em><em>cho r\u1eb1ng, kh\u00f4ng n\u00ean c\u1ea5m c\u00e1c ng\u00e2n h\u00e0ng 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 Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/em><\/p>\n<p><strong>Tu\u1ec7 Minh<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>\u0110<\/em><\/strong><strong><em>\u00f4 th\u1ecb m\u1edbi<\/em><\/strong> <strong><em>(Ti\u00eau<\/em><\/strong> <strong><em>\u0111i\u1ec3m<\/em><\/strong><strong><em>) ng\u00e0y <\/em><\/strong><strong><em>15-7<\/em><\/strong><strong><em>-2024:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/dothi.reatimes.vn\/khong-cam-cac-ngan-hang-ban-bao-hiem-lien-ket-dau-tu-4921.html\">https:\/\/dothi.reatimes.vn\/khong-cam-cac-ngan-hang-ban-bao-hiem-lien-ket-dau-tu-4921.html<\/a><\/em><\/p>\n<p><em>(<\/em><em>288\/745<\/em><em>)<\/em>","protected":false},"excerpt":{"rendered":"<p>Kh\u00f4ng c\u1ea5m c\u00e1c ng\u00e2n h\u00e0ng b\u00e1n b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 (\u0110TM) &#8211; Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1eeba ch\u00ednh th\u1ee9c c\u00f4ng b\u1ed1 v\u1eabn cho ph\u00e9p ng\u00e2n h\u00e0ng \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 theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea3o [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":40172,"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-40171","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>3.795. 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