{"id":42441,"date":"2024-10-12T07:59:20","date_gmt":"2024-10-12T00:59:20","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=42441"},"modified":"2024-10-30T09:37:50","modified_gmt":"2024-10-30T02:37:50","slug":"3-888-ngan-hang-se-giai-bai-toan-kinh-doanh-banca-ra-sao","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-888-ngan-hang-se-giai-bai-toan-kinh-doanh-banca-ra-sao\/","title":{"rendered":"3.888. Ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3i b\u00e0i to\u00e1n kinh doanh Banca ra sao?"},"content":{"rendered":"

<\/h4>\n

Ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3i b\u00e0i to\u00e1n kinh doanh Banca ra sao?<\/strong><\/span><\/h4>\n
(CFF) – Theo c\u00e1c chuy\u00ean gia ph\u00e2n t\u00edch, bancassurance l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu t\u1ea1i Vi\u1ec7t Nam v\u00e0 th\u1ebf gi\u1edbi. Trong \u0111\u00f3, nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 m\u1ea1nh m\u1ebd v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 c\u00f3 chi\u1ebfn l\u01b0\u1ee3c kinh doanh b\u00e0i b\u1ea3n s\u1ebd g\u1eb7t h\u00e1i nhi\u1ec1u th\u00e0nh c\u00f4ng v\u00e0 kh\u1eb3ng \u0111\u1ecbnh \u0111\u01b0\u1ee3c v\u1ecb th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/h5>\n

\"gi\u1ea3i<\/p>\n

Bancassurance l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu<\/strong><\/h5>\n

Bancassurance – h\u00ecnh th\u1ee9c h\u1ee3p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u1eb1m ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m qua m\u1ea1ng l\u01b0\u1edbi ng\u00e2n h\u00e0ng – \u0111\u00e3 v\u00e0 \u0111ang ch\u1ee9ng minh hi\u1ec7u qu\u1ea3 m\u1ea1nh m\u1ebd tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf, mang l\u1ea1i l\u1ee3i \u00edch kh\u00f4ng nh\u1ecf cho c\u00e1c b\u00ean tham gia, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

Bancassurance \u0111\u00e3 v\u00e0 \u0111ang c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng \u1edf h\u1ea7u h\u1ebft c\u00e1c qu\u1ed1c gia tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. \u1ede nhi\u1ec1u qu\u1ed1c gia, bancassurance c\u00f3 t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n g\u1ea5p 4 l\u1ea7n so v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng, gi\u00fap m\u00f4 h\u00ecnh n\u00e0y \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng th\u00e0nh c\u00f4ng r\u1ef1c r\u1ee1. Bancassurance hi\u1ec7n chi\u1ebfm h\u01a1n 65% doanh thu ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf T\u00e2y Ban Nha, 60% \u1edf Ph\u00e1p, 50% \u1edf B\u1ec9 v\u00e0 \u00dd.<\/p>\n

Quy m\u00f4 th\u1ecb tr\u01b0\u1eddng to\u00e0n c\u1ea7u c\u1ee7a Bancassurance \u0111\u1ea1t kho\u1ea3ng 1.166 t\u1ef7 USD v\u00e0o n\u0103m 2018, 1.268 t\u1ef7 USD v\u00e0o n\u0103m 2021 v\u00e0 d\u1ef1 ki\u1ebfn \u0111\u1ea1t 1.665 t\u1ef7 USD v\u00e0o n\u0103m 2024, t\u0103ng tr\u01b0\u1edfng v\u1edbi t\u1ed1c \u0111\u1ed9 l\u00e0 5,9% trong giai \u0111o\u1ea1n 2022 – 2027 (theo nghi\u00ean c\u1ee9u \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 tr\u00ean T\u1ea1p tr\u00ed Ng\u00e2n h\u00e0ng).<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, th\u1ecb tr\u01b0\u1eddng bancassurance \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh trong v\u00e0i n\u0103m qua. Theo \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng trong n\u01b0\u1edbc ng\u00e0y c\u00e0ng h\u1ee3p t\u00e1c ch\u1eb7t ch\u1ebd v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn, tri\u1ec3n khai nh\u1eefng ch\u01b0\u01a1ng tr\u00ecnh v\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111a d\u1ea1ng nh\u1eb1m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. Hi\u1ec7n bancassurance tr\u1edf th\u00e0nh 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 (chi\u1ebfm kho\u1ea3ng 20% t\u1ed5ng doanh thu ph\u00ed h\u00e0ng n\u0103m).<\/p>\n

Nh\u00ecn v\u00e0o nh\u1eefng con s\u1ed1 c\u1ee7a th\u1ecb tr\u01b0\u1eddng bancassurance th\u1ebf gi\u1edbi v\u00e0 Vi\u1ec7t Nam, c\u00f3 th\u1ec3 th\u1ea5y xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n bancassurance nh\u1eefng n\u0103m t\u1edbi l\u00e0 t\u1ea5t y\u1ebfu.<\/h5>\n

Tuy nhi\u00ean, n\u0103m 2023 c\u00f3 th\u1ec3 xem l\u00e0 n\u0103m nhi\u1ec1u bi\u1ebfn c\u1ed1 v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi k\u00eanh bancassurance, khi h\u00e0ng lo\u1ea1t s\u1ef1 c\u1ed1 \u0111\u00e3 g\u00e2y b\u1ee9c x\u00fac trong d\u01b0 lu\u1eadn, l\u00e0m suy gi\u1ea3m nghi\u00eam tr\u1ecdng ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1edbi doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 k\u00eanh ph\u00e2n ph\u1ed1i n\u00e0y. Ho\u1ea1t \u0111\u1ed9ng bancassurance v\u00ec th\u1ebf c\u0169ng \u0111\u00e3 ch\u1eefng l\u1ea1i r\u00f5 r\u1ec7t trong n\u0103m 2023 v\u00e0 \u0111\u1ea7u n\u0103m 2024, qua \u0111\u00f3 \u1ea3nh h\u01b0\u1edfng t\u1edbi ngu\u1ed3n thu ph\u00ed d\u1ecbch v\u1ee5 c\u1ee7a nhi\u1ec1u ng\u00e2n h\u00e0ng.<\/p>\n

Tuy nhi\u00ean, nh\u00ecn t\u1eeb g\u00f3c \u0111\u1ed9 t\u00edch c\u1ef1c, \u0111\u00e2y ch\u00ednh l\u00e0 th\u1eddi c\u01a1 \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u0169ng nh\u01b0 ng\u00e2n h\u00e0ng nh\u00ecn l\u1ea1i m\u00ecnh v\u00e0 c\u1ea3i thi\u1ec7n quy tr\u00ecnh, h\u1ec7 th\u1ed1ng ph\u00e2n ph\u1ed1i, ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n, ch\u1ee9ng minh vai tr\u00f2, l\u1ee3i \u00edch c\u0169ng nh\u01b0 n\u00e2ng cao t\u00edn nhi\u1ec7m c\u1ee7a ho\u1ea1 \u0111\u1ed9ng n\u00e0y; v\u00e0 l\u00e0 \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u0169ng nh\u01b0 k\u00eanh ph\u00e2n ph\u1ed1i bancassurance t\u1ea1i Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng h\u01a1n.<\/p>\n

Theo c\u00e1c chuy\u00ean gia, bancassurance n\u1ebfu \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang tinh th\u1ea7n v\u00e0 tri\u1ec3n khai \u0111\u00fang c\u00e1ch s\u1ebd mang l\u1ea1i l\u1ee3i \u00edch cho t\u1ea5t c\u1ea3 c\u00e1c b\u00ean tham gia, bao g\u1ed3m kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. N\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u1ed1t, ng\u01b0\u1ee3c l\u1ea1i s\u1ebd khi\u1ebfn kh\u00e1ch h\u00e0ng kh\u00f4ng h\u00e0i l\u00f2ng, ng\u00e2n h\u00e0ng b\u1ecb t\u1ed5n th\u1ea5t v\u1ec1 danh ti\u1ebfng, c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eeba g\u00e1nh l\u1ed7 do chi ph\u00ed khai th\u00e1c kh\u00f4ng hi\u1ec7u qu\u1ea3 v\u1eeba \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t t\u01b0\u01a1ng lai ph\u00e1t tri\u1ec3n kh\u00f4ng b\u1ec1n v\u1eefng.<\/p>\n

\u0110\u1ec3 th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n l\u00e0nh m\u1ea1nh v\u00e0 mang l\u1ea1i l\u1ee3i \u00edch cho c\u00e1c b\u00ean, v\u1ea5n \u0111\u1ec1 qu\u1ea3n l\u00fd ch\u1ea5t l\u01b0\u1ee3ng tri\u1ec3n khai t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u1ec1 bancassuarance tr\u1edf n\u00ean c\u1ef1c k\u1ef3 quan tr\u1ecdng.<\/h5>\n

Theo lu\u1eadt s\u01b0 Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/em>, vi\u1ec7c ng\u00e2n h\u00e0ng b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m l\u00e0 t\u1ea5t y\u1ebfu, song ph\u1ea3i c\u00f4ng khai, minh b\u1ea1ch, r\u00f5 r\u00e0ng v\u00e0 tr\u00ean tinh th\u1ea7n t\u1ef1 nguy\u1ec7n, ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u00fang s\u1ea3n ph\u1ea9m, kh\u00f4ng tr\u1ee5c l\u1ee3i t\u1eeb b\u1ea3o hi\u1ec3m, quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o.<\/em><\/p>\n

\u00d4ng \u0110\u1ee9c cho r\u1eb1ng, c\u00e1c quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c ban h\u00e0nh m\u1edbi \u0111\u00e2y 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 \u2013 \u0111i\u1ec1u th\u01b0\u1eddng x\u1ea3y ra th\u1eddi gian qua.<\/em><\/p>\n

C\u01a1 h\u1ed9i cho c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0 ho\u1ea1t \u0111\u1ed9ng chuy\u00ean nghi\u1ec7p<\/strong><\/h5>\n

Gi\u1edbi quan s\u00e1t nh\u1eadn \u0111\u1ecbnh, c\u01a1 h\u1ed9i ph\u1ee5c h\u1ed3i m\u1ea3ng bancassurance trong th\u1eddi gian t\u1edbi l\u00e0 r\u00f5 r\u00e0ng, b\u1edfi t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m\/GDP t\u1ea1i Vi\u1ec7t Nam hi\u1ec7n nay dao \u0111\u1ed9ng \u1edf m\u1ee9c 2,3-2,8%, th\u1ea5p h\u01a1n so v\u1edbi m\u1ee9c trung b\u00ecnh 3,35% c\u1ee7a kh\u1ed1i ASEAN, 5,37% c\u1ee7a ch\u00e2u \u00c1 v\u00e0 6,3% c\u1ee7a th\u1ebf gi\u1edbi. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u ti\u1ec1m n\u0103ng \u0111\u1ec3 ph\u00e1t tri\u1ec3n v\u00e0 m\u1edf r\u1ed9ng.<\/p>\n

Theo d\u1ef1 b\u00e1o c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam s\u1ebd \u0111\u1ea1t 3,5% v\u00e0o n\u0103m 2025 v\u00e0 15% v\u00e0o n\u0103m 2030. V\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf \u1ed5n \u0111\u1ecbnh v\u00e0 thu nh\u1eadp ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n, kh\u1ea3 n\u0103ng chi tr\u1ea3 cho c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u0169ng t\u0103ng l\u00ean, th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m n\u00f3i chung v\u00e0 bancassurance n\u00f3i ri\u00eang \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd t\u0103ng tr\u01b0\u1edfng tr\u1edf l\u1ea1i trong th\u1eddi gian t\u1edbi.<\/p>\n

S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a th\u1ecb tr\u01b0\u1eddng bancassurance hi\u1ec7n nay \u0111ang ch\u1ecbu \u1ea3nh h\u01b0\u1edfng m\u1ea1nh m\u1ebd t\u1eeb xu h\u01b0\u1edbng s\u1ed1 h\u00f3a v\u00e0 c\u00e1 nh\u00e2n h\u00f3a d\u1ecbch v\u1ee5. Kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 t\u00ecm ki\u1ebfm c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ti\u1ec7n l\u1ee3i m\u00e0 c\u00f2n mong \u0111\u1ee3i s\u1ef1 c\u00e1 nh\u00e2n h\u00f3a trong d\u1ecbch v\u1ee5 v\u00e0 tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch tr\u00ean c\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1.<\/h5>\n

N\u1eafm b\u1eaft \u0111\u01b0\u1ee3c xu h\u01b0\u1edbng \u0111\u00f3, nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7, t\u1eadp trung v\u00e0o ph\u00e1t tri\u1ec3n c\u00e1c n\u1ec1n t\u1ea3ng giao d\u1ecbch tr\u1ef1c tuy\u1ebfn v\u00e0 c\u1ea3i ti\u1ebfn quy tr\u00ecnh t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 s\u1ed1 h\u00f3a. Theo \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 gi\u1edbi thi\u1ec7u c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o quy tr\u00ecnh mua b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n l\u00fd h\u1ee3p \u0111\u1ed3ng di\u1ec5n ra thu\u1eadn ti\u1ec7n, nhanh ch\u00f3ng tr\u00ean n\u1ec1n t\u1ea3ng tr\u1ef1c tuy\u1ebfn.<\/p>\n

Ch\u1eb3ng h\u1ea1n, Techcombank, v\u1edbi th\u1ebf m\u1ea1nh v\u1ec1 n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 v\u00e0 d\u1eef li\u1ec7u, \u0111\u00e3 t\u1ed1i \u01b0u vi\u1ec7c ph\u00e2n t\u00edch, x\u00e1c \u0111\u1ecbnh nhu c\u1ea7u v\u00e0 gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 t\u01b0 v\u1ea5n s\u1ed1. Theo \u0111\u00f3, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00f4ng tin, t\u01b0 v\u1ea5n, v\u00e0 \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn chi nh\u00e1nh, gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 gia t\u0103ng t\u00ednh ti\u1ec7n l\u1ee3i.<\/p>\n

C\u00f2n ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 thi\u1ebft k\u1ebf c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng, t\u1eeb \u0111\u00f3 t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh t\u01b0 v\u1ea5n v\u00e0 n\u00e2ng cao t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i kh\u00e1ch h\u00e0ng. \u0110\u1ed9i ng\u0169 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o b\u00e0i b\u1ea3n, kh\u00f4ng ch\u1ec9 v\u1ec1 s\u1ea3n ph\u1ea9m m\u00e0 c\u00f2n v\u1ec1 k\u1ef9 n\u0103ng t\u01b0 v\u1ea5n v\u00e0 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng, gi\u00fap h\u1ecd x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c l\u00f2ng tin t\u1eeb kh\u00e1ch h\u00e0ng.<\/p>\n

<\/h6>\n

T\u1ea1i Vietcombank, l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng n\u00e0y cho bi\u1ebft, nguy\u00ean t\u1eafc khi tri\u1ec3n khai bancassurance v\u1edbi FWD \u0111\u00f3 l\u00e0 lu\u00f4n \u0111\u1eb7t nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 tr\u1ecdng t\u00e2m, ch\u1ec9 gi\u1edbi thi\u1ec7u c\u00e1c s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 c\u00f3 l\u1ee3i nh\u1ea5t cho kh\u00e1ch h\u00e0ng. Kh\u00e1ch h\u00e0ng tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd FWD qua Vietcombank lu\u00f4n nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 h\u1ed7 tr\u1ee3 r\u1ea5t l\u1edbn t\u1eeb c\u00e1n b\u1ed9 b\u00e1n h\u00e0ng, t\u1eeb vi\u1ec7c gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m, h\u01b0\u1edbng d\u1eabn kh\u00e1ch h\u00e0ng tham gia, c\u0169ng nh\u01b0 h\u1ed7 tr\u1ee3 nhanh ch\u00f3ng khi ph\u00e1t sinh quy\u1ec1n l\u1ee3i li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m.<\/p>\n

<\/h6>\n

T\u1ea1i VIB, ng\u00e2n h\u00e0ng n\u00e0y c\u00f9ng \u0111\u1ed1i t\u00e1c Prudential trong khi \u0111\u00f3 th\u00e0nh l\u1eadp m\u1ed9t \u1ee7y b\u1ea3n cam k\u1ebft v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1n b\u1ed9 b\u00e1n h\u00e0ng; th\u01b0\u1eddng xuy\u00ean ti\u1ebfn h\u00e0nh thanh tra, gi\u00e1m s\u00e1t \u0111\u1ec3 ph\u00e1t hi\u1ec7n tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u00fang chu\u1ea9n, x\u1eed l\u00fd nghi\u00eam kh\u1eafc.<\/p>\n

T\u1ea1i ACB trong khi \u0111\u00f3 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

Tr\u00ean th\u1ef1c t\u1ebf, v\u1edbi s\u1ef1 \u0111\u1ea7u t\u01b0 m\u1ea1nh m\u1ebd v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 chi\u1ebfn l\u01b0\u1ee3c kinh doanh b\u00e0i b\u1ea3n, t\u1eeb n\u1eeda sau n\u0103m 2023, doanh s\u1ed1 b\u00e1n b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u h\u1ed3i ph\u1ee5c tr\u1edf l\u1ea1i sau bi\u1ebfn c\u1ed1 v\u1ec1 “kh\u1ee7ng ho\u1ea3ng ni\u1ec1m tin” tr\u00ean th\u1ecb tr\u01b0\u1eddng. Hi\u1ec7n ACB, MB, Techcombank \u0111ang l\u00e0 3 ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ea7u v\u1ec1 APE (doanh thu ph\u00ed b\u1ea3o hi\u1ec3m theo n\u0103m).<\/p>\n

M\u1ea1nh \u0110\u1ee9c – Thanh B\u00ecnh<\/strong><\/p>\n

————-<\/p>\n

CafeF<\/em><\/strong> (Ng\u00e2n h\u00e0ng<\/em><\/strong>) ng\u00e0y <\/em><\/strong>12-10<\/em><\/strong>-2024:<\/em><\/strong><\/p>\n

https:\/\/cafef.vn\/ngan-hang-se-giai-bai-toan-kinh-doanh-banca-ra-sao-188241012072331588.chn<\/a><\/em><\/p>\n

(<\/em>122\/1.627<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng s\u1ebd gi\u1ea3i b\u00e0i to\u00e1n kinh doanh Banca ra sao? (CFF) – Theo c\u00e1c chuy\u00ean gia ph\u00e2n t\u00edch, bancassurance l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu t\u1ea1i Vi\u1ec7t Nam v\u00e0 th\u1ebf gi\u1edbi. Trong \u0111\u00f3, nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 m\u1ea1nh m\u1ebd v\u00e0o c\u00f4ng ngh\u1ec7 v\u00e0 c\u00f3 chi\u1ebfn l\u01b0\u1ee3c kinh doanh b\u00e0i b\u1ea3n s\u1ebd g\u1eb7t […]<\/p>\n","protected":false},"author":2,"featured_media":42442,"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-42441","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":"\n3.888. 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