{"id":42560,"date":"2024-10-15T06:53:47","date_gmt":"2024-10-14T23:53:47","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=42560"},"modified":"2024-10-30T09:35:45","modified_gmt":"2024-10-30T02:35:45","slug":"4-376-siet-ngan-hang-ep-khach-mua-bao-hiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-376-siet-ngan-hang-ep-khach-mua-bao-hiem\/","title":{"rendered":"4.376. Si\u1ebft ng\u00e2n h\u00e0ng ‘\u00e9p’ kh\u00e1ch mua b\u1ea3o hi\u1ec3m"},"content":{"rendered":"

Si\u1ebft ng\u00e2n h\u00e0ng ‘\u00e9p’ kh\u00e1ch mua b\u1ea3o hi\u1ec3m.<\/strong><\/span><\/h4>\n
(TN) – Nhi\u1ec1u \u0111\u1ed9ng th\u00e1i t\u1eeb Ch\u00ednh ph\u1ee7 v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 l\u00e0m gi\u1ea3m t\u00ecnh tr\u1ea1ng ng\u00e2n h\u00e0ng “\u00e9p” mua b\u1ea3o hi\u1ec3m, nh\u01b0ng th\u1ef1c t\u1ebf v\u1eabn c\u00f2n.<\/h5>\n
Ng\u01b0\u1eddi d\u00e2n b\u1ecb “\u00e9p” mua b\u1ea3o hi\u1ec3m khi vay v\u1ed1n ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

M\u1edbi \u0111\u00e2y,\u00a0Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc\u00a0(NHNN) nh\u1eadn \u0111\u01b0\u1ee3c ki\u1ebfn ngh\u1ecb c\u1ee7a c\u1eed tri ti\u0309nh Kh\u00e1nh H\u00f2a g\u1eedi t\u1edbi sau k\u1ef3 h\u1ecdp th\u1ee9 7 Qu\u1ed1c h\u1ed9i kh\u00f3a XV li\u00ean quan v\u1ea5n \u0111\u1ec1 ng\u01b0\u1eddi d\u00e2n b\u1ecb “\u00e9p” mua b\u1ea3o hi\u1ec3m (BH) khi vay v\u1ed1n ng\u00e2n h\u00e0ng (NH). C\u1ee5 th\u1ec3, trong th\u1eddi gian qua, khi \u0111i vay v\u1ed1n \u1edf c\u00e1c NH, nh\u1ea5t l\u00e0 c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i, ng\u01b0\u1eddi d\u00e2n b\u1ecb “c\u01b0\u1ee1ng \u00e9p” ph\u1ea3i mua c\u00e1c lo\u1ea1i BH nh\u01b0 BH nh\u00e2n th\u1ecd, BH s\u1ee9c kh\u1ecfe, BH ch\u00e1y n\u1ed5\u2026 th\u00ec m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n kho\u1ea3n vay. T\u00ecnh tr\u1ea1ng n\u00e0y g\u00e2y b\u1ee9c x\u00fac cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n

\"Si\u1ebft<\/p>\n

C\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd \u0111ang t\u0103ng c\u01b0\u1eddng vi\u1ec7c ch\u1ea5n ch\u1ec9nh ng\u00e2n h\u00e0ng “\u00e9p” b\u00e1n b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng<\/h6>\n
\u1ea2NH: NG\u1eccC TH\u1eaeNG<\/h6>\n

Tr\u1ea3 l\u1eddi v\u1ea5n \u0111\u1ec1 n\u00e0y, NHNN cho bi\u1ebft ph\u00e1p lu\u1eadt \u0111\u00e3 nghi\u00eam c\u1ea5m vi\u1ec7c \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng mua, giao k\u1ebft k\u00fd h\u1ee3p \u0111\u1ed3ng BH. C\u1ee5 th\u1ec3, kho\u1ea3n 5 \u0111i\u1ec1u 9 lu\u1eadt Kinh doanh BH n\u0103m 2022 v\u00e0 kho\u1ea3n 5 \u0111i\u1ec1u 15 lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng 2024 \u0111\u1ec1u quy \u0111\u1ecbnh r\u00f5 h\u00e0nh vi n\u00e0y: “T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh NH 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 NH n\u01b0\u1edbc ngo\u00e0i g\u1eafn vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m BH kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi vi\u1ec7c cung \u1ee9ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 NH d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c”.<\/p>\n

Kh\u00f4ng ch\u1ec9 c\u00f3 c\u1eed tri Kh\u00e1nh H\u00f2a m\u1edbi b\u1ee9c x\u00fac ph\u1ea3n \u00e1nh t\u00ecnh tr\u1ea1ng b\u1ecb “\u00e9p” mua BH khi\u00a0vay v\u1ed1n\u00a0NH. \u1ede m\u1ed9t s\u1ed1 \u0111\u1ecba ph\u01b0\u01a1ng, hi\u1ec7n t\u01b0\u1ee3ng n\u00e0y v\u1eabn c\u00f2n x\u1ea3y ra. M\u1edbi \u0111\u00e2y, anh N.S (Q.7, TP.HCM) cho bi\u1ebft khi l\u00e0m h\u1ee3p \u0111\u1ed3ng vay v\u1ed1n v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn, anh c\u0169ng \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean NH m\u1eddi mua h\u1ee3p \u0111\u1ed3ng BH nh\u00e2n th\u1ecd th\u00ec h\u1ed3 s\u01a1 vay d\u1ec5 d\u00e0ng. Anh S. n\u00f3i anh kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ecb \u00e9p \u0111\u00fang ngh\u0129a, nh\u01b0ng nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng c\u0169ng n\u0103n n\u1ec9 theo ki\u1ec3u “\u1ee7ng h\u1ed9” n\u00ean anh \u0111\u00e0nh ch\u1ecdn m\u1ec7nh gi\u00e1 th\u1ea5p, ch\u1ec9 \u0111\u00f3ng 1 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng \u0111\u1ec3 vui v\u1ebb c\u1ea3 \u0111\u00f4i b\u00ean.<\/p>\n

“T\u00f4i c\u0169ng bi\u1ebft mua BH v\u00e0 k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng l\u00e0 mang t\u00ednh t\u1ef1 nguy\u1ec7n, th\u1ecfa thu\u1eadn. N\u1ebfu b\u00ecnh th\u01b0\u1eddng th\u00ec t\u00f4i s\u1ebd kh\u00f4ng mua v\u00ec ch\u01b0a c\u00f3 nhu c\u1ea7u, nh\u01b0ng l\u00fac l\u00e0m h\u1ed3 s\u01a1 vay v\u1ed1n th\u00ec \u0111ang c\u1ea7n v\u00e0 nh\u00e2n vi\u00ean n\u00f3i h\u1ed7 tr\u1ee3 \u0111\u1ec1 xu\u1ea5t l\u00e3i su\u1ea5t \u1edf m\u1ee9c ph\u00f9 h\u1ee3p n\u00ean \u0111\u1ed3ng \u00fd. Ch\u1ec9 ri\u00eang vi\u1ec7c ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng th\u00ec c\u00e1c NH \u0111\u00e3 c\u00f3 l\u1ee3i th\u1ebf h\u01a1n nh\u00e2n vi\u00ean BH th\u00f4ng th\u01b0\u1eddng. N\u1ebfu nh\u00e2n vi\u00ean NH n\u00e0o m\u00e0 gi\u1edd n\u00f3i theo ki\u1ec3u b\u1eaft bu\u1ed9c l\u00e0 nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ed3ng \u00fd \u0111\u00e2u, v\u00ec kh\u00f4ng vay \u0111\u01b0\u1ee3c ch\u1ed7 n\u00e0y th\u00ec sang ch\u1ed7 kh\u00e1c vay”, anh S\u01a1n chia s\u1ebb.<\/p>\n

Th\u1ef1c t\u1ebf th\u1eddi gian qua, NHNN c\u0169ng th\u01b0\u1eddng xuy\u00ean c\u00f3 v\u0103n b\u1ea3n ch\u1ec9 \u0111\u1ea1o, c\u1ea3nh b\u00e1o, ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd BH c\u1ee7a c\u00e1c NH. C\u1ee5 th\u1ec3, y\u00eau c\u1ea7u c\u00e1c NH nghi\u00eam t\u00fac ch\u1ea5p h\u00e0nh quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 ch\u1ec9 \u0111\u1ea1o c\u1ee7a c\u00e1c c\u1ea5p c\u00f3 th\u1ea9m quy\u1ec1n li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd BH, kh\u00f4ng \u0111\u1ec3 x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p NH, ng\u01b0\u1eddi qu\u1ea3n l\u00fd, ng\u01b0\u1eddi \u0111i\u1ec1u h\u00e0nh, nh\u00e2n vi\u00ean g\u1eafn vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m BH kh\u00f4ng b\u1eaft bu\u1ed9c v\u1edbi vi\u1ec7c cung \u1ee9ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 NH d\u01b0\u1edbi m\u1ecdi h\u00ecnh th\u1ee9c. \u0110\u1ed3ng th\u1eddi, NHNN \u0111\u00e3 t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c ki\u1ec3m tra, ki\u1ec3m so\u00e1t, ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd BH, ch\u1ee7 \u0111\u1ed9ng tri\u1ec3n khai c\u00e1c bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba, ng\u0103n ch\u1eb7n, x\u1eed l\u00fd nghi\u00eam theo quy \u0111\u1ecbnh; t\u0103ng c\u01b0\u1eddng r\u00e0 so\u00e1t, gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd BH c\u1ee7a c\u00e1c chi nh\u00e1nh NH c\u00f3 t\u1ef7 l\u1ec7 t\u00e1i k\u00fd BH n\u0103m th\u1ee9 2 th\u1ea5p…<\/p>\n

Ngo\u00e0i ra, NHNN v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 trao \u0111\u1ed5i, l\u00e0m vi\u1ec7c v\u00e0 th\u1ed1ng nh\u1ea5t thi\u1ebft l\u1eadp \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u0111\u1ec3 n\u1eafm b\u1eaft v\u00e0 x\u1eed l\u00fd k\u1ecbp th\u1eddi m\u1ecdi ph\u1ea3n \u00e1nh, ki\u1ebfn ngh\u1ecb li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng cung \u1ee9ng d\u1ecbch v\u1ee5 BH c\u1ee7a NH; C\u01a1 quan Thanh tra gi\u00e1m s\u00e1t NH (NHNN) v\u00e0 C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t BH (B\u1ed9 T\u00e0i ch\u00ednh) \u0111\u00e3 k\u00fd k\u1ebft quy ch\u1ebf ph\u1ed1i h\u1ee3p gi\u1eefa hai \u0111\u01a1n v\u1ecb\u2026<\/p>\n

Th\u1ebf nh\u01b0ng th\u1ef1c t\u1ebf v\u1eabn c\u00f2n nh\u1eefng ki\u1ec3u “n\u0103n n\u1ec9” khi\u1ebfn kh\u00e1ch h\u00e0ng ph\u1ea3i “t\u1ef1 nguy\u1ec7n” d\u00f9 th\u1ef1c s\u1ef1 ch\u01b0a c\u00f3 nhu c\u1ea7u.<\/h5>\n

C\u1ea7n gia t\u0103ng m\u1ee9c x\u1eed ph\u1ea1t nh\u01b0 n\u00eau r\u00f5 l\u00e0 ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng\/l\u01b0\u1ee3t vi ph\u1ea1m (hay t\u01b0\u01a1ng \u1ee9ng 100 tri\u1ec7u \u0111\u1ed3ng\/h\u1ee3p \u0111\u1ed3ng vi ph\u1ea1m) ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng cho h\u00e0nh vi vi ph\u1ea1m (v\u00ec c\u00f3 khi m\u1ed9t l\u1ea7n ki\u1ec3m tra th\u00ec c\u00f3 v\u00e0i tr\u0103m h\u1ee3p \u0111\u1ed3ng vi ph\u1ea1m).<\/p>\n

TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n (\u0110H Kinh t\u1ebf TP.HCM)<\/p>\n

Gi\u00e1m s\u00e1t ch\u1eb7t vi\u1ec7c th\u1ef1c hi\u1ec7n<\/strong><\/h5>\n

K\u1ec3 t\u1eeb \u0111\u1ea7u th\u00e1ng 7 v\u1eeba qua, lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng n\u0103m 2024 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh, trong \u0111\u00f3 quy \u0111\u1ecbnh c\u1ea5m NH b\u00e1n BH kh\u00f4ng b\u1eaft bu\u1ed9c “g\u1eafn k\u00e8m” kho\u1ea3n vay, hay n\u00f3i c\u00e1ch kh\u00e1c l\u00e0 “\u00e9p” kh\u00e1ch h\u00e0ng mua BH. Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u00d0\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, quy \u0111\u1ecbnh tr\u00ean \u0111\u01b0\u1ee3c hi\u1ec3u r\u1eb1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1n k\u00e8m v\u1edbi \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i mua BH th\u00ec m\u1edbi \u0111\u01b0\u1ee3c h\u1ea1 l\u00e3i su\u1ea5t, cho vay, hay nh\u1eefng \u0111i\u1ec1u ki\u1ec7n kh\u00e1c c\u00f3 t\u00ednh ch\u1ea5t \u00e9p bu\u1ed9c. C\u00f2n n\u1ebfu t\u1ef1 nguy\u1ec7n, kh\u00e1ch h\u00e0ng c\u00f3 nhu c\u1ea7u th\u00ec c\u00e1c NH v\u1eabn \u0111\u01b0\u1ee3c b\u00e1n BH. Tuy nhi\u00ean, khi \u0111\u00e3 c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd r\u00f5 r\u00e0ng th\u00ec ng\u01b0\u1eddi d\u00e2n c\u1ea7n hi\u1ec3u \u0111\u1ec3 c\u00f3 c\u01a1 s\u1edf khi\u1ebfu n\u1ea1i, ph\u1ea3n \u00e1nh n\u1ebfu c\u1ea3m th\u1ea5y m\u00ecnh th\u1eadt s\u1ef1 b\u1ecb \u00e9p.<\/p>\n

C\u00f2n khi \u0111\u00e3 k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng BH th\u00ec \u0111\u00f3 l\u00e0 th\u1ecfa thu\u1eadn, t\u1ef1 nguy\u1ec7n. B\u1ea3n th\u00e2n c\u00e1c NH hay nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p m\u1eadp m\u1edd nh\u01b0 tr\u01b0\u1edbc m\u00e0 n\u00ean quy \u0111\u1ecbnh r\u00f5. V\u00ed d\u1ee5 nh\u01b0 th\u1ecfa thu\u1eadn kh\u00e1ch h\u00e0ng mua BH \u1edf ch\u1ed7 kh\u00e1c l\u00e0 gi\u00e1 nh\u01b0 th\u1ebf n\u00e0y, nh\u01b0ng mua \u1edf NH n\u00e0y s\u1ebd c\u00f3 gi\u00e1 th\u1ea5p h\u01a1n. \u0110\u00f3 l\u00e0 th\u1ecfa thu\u1eadn th\u00f4ng th\u01b0\u1eddng gi\u1eefa hai b\u00ean. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ee7a NH th\u00ec c\u00e1c kh\u00e1ch h\u00e0ng kh\u00e1c nhau s\u1ebd c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t kh\u00e1c nhau. V\u00ed d\u1ee5 kh\u00e1ch h\u00e0ng A c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n kh\u00e1ch h\u00e0ng B do kh\u00e1ch h\u00e0ng \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro kh\u00e1c nhau\u2026<\/p>\n

“T\u00f4i ngh\u0129 r\u1eb1ng tr\u01b0\u1edbc \u0111\u00e2y nhi\u1ec1u NH m\u1eadp m\u1edd, nh\u00e2n vi\u00ean t\u00edn d\u1ee5ng c\u0169ng c\u1ed1 ch\u1ea1y \u0111ua l\u1ea5y ch\u1ec9 ti\u00eau b\u00e1n BH \u0111\u1ec3 nh\u1eadn hoa h\u1ed3ng n\u00ean c\u0169ng m\u1eadp m\u1edd v\u00e0 th\u00f4ng tin th\u00ec kh\u00f4ng c\u00f4ng b\u1ed1 r\u00f5. Hi\u1ec7n nay khi c\u01a1 s\u1edf ph\u00e1p l\u00fd r\u00f5 r\u00e0ng th\u00ec ho\u1ea1t \u0111\u1ed9ng n\u00e0y c\u1ee7a c\u00e1c NH s\u1ebd th\u1eadn tr\u1ecdng h\u01a1n”,<\/em> Lu\u1eadt s\u01b0\u00a0<\/em><\/a>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/em><\/a>\u00a0<\/em><\/strong>cho hay.<\/em><\/h5>\n

Trong khi \u0111\u00f3, TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n (\u0110H Kinh t\u1ebf TP.HCM) cho r\u1eb1ng ngo\u00e0i khung ph\u00e1p l\u00fd th\u00ec quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i gi\u00e1m s\u00e1t trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng. Trong lu\u1eadt kh\u00f4ng c\u00f3 \u0111\u1ecbnh ngh\u0129a kh\u00e1ch h\u00e0ng b\u1ecb “\u00e9p” l\u00e0 nh\u01b0 th\u1ebf n\u00e0o. V\u00ec tr\u00ean h\u1ee3p \u0111\u1ed3ng l\u00e0 gi\u1ea5y t\u1edd th\u00ec \u0111\u00f3 l\u00e0 th\u1ecfa thu\u1eadn, t\u1ef1 nguy\u1ec7n c\u1ee7a kh\u00e1ch h\u00e0ng. B\u00ean c\u1ea1nh \u0111\u00f3, thanh tra c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd BH s\u1ebd kh\u00f4ng c\u00f3 quy\u1ec1n v\u00e0 c\u0169ng kh\u00f4ng \u0111\u01b0\u1ee3c ki\u1ec3m tra c\u00e1c NH. V\u00ec v\u1eady ph\u1ea3i c\u00f3 s\u1ef1 ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd gi\u1eefa thanh tra NHNN v\u00e0 thanh tra qu\u1ea3n l\u00fd BH \u0111\u1ec3 ki\u1ec3m tra \u1edf c\u00e1c NH c\u00f3 t\u1ef7 l\u1ec7 t\u00e1i k\u00fd h\u1ee3p \u0111\u1ed3ng BH n\u0103m th\u1ee9 hai th\u1ea5p. Khi \u0111\u00f3, thanh tra NHNN c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn tr\u1ef1c ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng s\u1ebd n\u1eafm \u0111\u01b0\u1ee3c l\u00fd do v\u00ec sao h\u1ecd b\u1ecf ngang h\u1ee3p \u0111\u1ed3ng.<\/p>\n

Ngo\u00e0i ra, m\u1ee9c x\u1eed ph\u1ea1t \u0111\u1ed1i v\u1edbi vi\u1ec7c vi ph\u1ea1m b\u00e1n s\u1ea3n ph\u1ea9m BH nh\u00e2n th\u1ecd v\u00e0 BH s\u1ee9c kh\u1ecfe b\u1ecb ph\u1ea1t ti\u1ec1n t\u1ed1i \u0111a 100 tri\u1ec7u \u0111\u1ed3ng l\u00e0 c\u00f2n nh\u1eb9, ch\u01b0a \u0111\u1ee7 s\u1ee9c r\u0103n \u0111e khi c\u00e1c nh\u00e0 b\u0103ng m\u1ed7i n\u0103m c\u00f3 th\u1ec3 thu v\u1ec1 v\u00e0i ch\u1ee5c t\u1ec9 \u0111\u1ebfn h\u00e0ng tr\u0103m t\u1ec9 \u0111\u1ed3ng cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y. \u00d4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n \u0111\u1ec1 ngh\u1ecb c\u1ea7n gia t\u0103ng m\u1ee9c x\u1eed ph\u1ea1t nh\u01b0 n\u00eau r\u00f5 l\u00e0 ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng\/l\u01b0\u1ee3t vi ph\u1ea1m (hay t\u01b0\u01a1ng \u1ee9ng 100 tri\u1ec7u \u0111\u1ed3ng\/h\u1ee3p \u0111\u1ed3ng vi ph\u1ea1m) ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 100 tri\u1ec7u \u0111\u1ed3ng cho h\u00e0nh vi vi ph\u1ea1m (v\u00ec c\u00f3 khi m\u1ed9t l\u1ea7n ki\u1ec3m tra th\u00ec c\u00f3 v\u00e0i tr\u0103m h\u1ee3p \u0111\u1ed3ng vi ph\u1ea1m). Hay nh\u01b0 vi\u1ec7c thi\u1ebft l\u1eadp \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng ph\u1ea3n \u00e1nh li\u00ean quan v\u1ec1 ho\u1ea1t \u0111\u1ed9ng BH th\u00ec \u0111\u1ecbnh k\u1ef3 c\u00f4ng b\u1ed1 th\u00f4ng tin nh\u1eadn \u0111\u01b0\u1ee3c ho\u1eb7c chuy\u1ec3n qua m\u1ed9t \u0111\u01a1n v\u1ecb trung gian \u0111\u1ec3 th\u1ef1c hi\u1ec7n th\u00ec s\u1ebd mang l\u1ea1i hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

C\u00e1c NH c\u1ea7n c\u00f4ng khai r\u00f5 r\u00e0ng v\u1ec1 th\u00f4ng tin, gi\u00e1 s\u1ea3n ph\u1ea9m BH, c\u0169ng nh\u01b0 khi th\u1ecfa thu\u1eadn trao \u0111\u1ed5i v\u1ec1 l\u00e3i su\u1ea5t cho vay th\u00ec t\u1eebng kh\u00e1ch h\u00e0ng s\u1ebd kh\u00e1c nhau. B\u1ea3n th\u00e2n kh\u00e1ch h\u00e0ng c\u1ea7n hi\u1ec3u r\u00f5 lu\u1eadt v\u00e0 c\u00f3 th\u1ec3 ph\u1ea3n \u00e1nh n\u1ebfu th\u1ea5y b\u1ecb \u00e9p, kh\u00f4ng c\u1ea7n nh\u1eafm m\u1eaft k\u00fd \u0111\u1ea1i v\u00ec \u0111\u00f3 l\u00e0 m\u1ea5t ti\u1ec1n c\u1ee7a m\u00ecnh. C\u00f2n n\u1ebfu kh\u00f4ng th\u00ec khi \u0111\u00e3 k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng BH l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u01b0\u01a1ng m\u1ea1i gi\u1eefa hai b\u00ean.<\/em><\/p>\n

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><\/em><\/strong><\/p>\n

Mai<\/strong> Ph\u01b0\u01a1ng<\/strong><\/p>\n

—————<\/p>\n

Thanh<\/em><\/strong> ni\u00ean (Kinh t\u1ebf) 15-10-2024<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/siet-ngan-hang-ep-khach-mua-bao-hiem-185241014214623655.htm<\/a><\/em><\/p>\n

(<\/em>159\/1.569<\/em>)<\/em>","protected":false},"excerpt":{"rendered":"

Si\u1ebft ng\u00e2n h\u00e0ng ‘\u00e9p’ kh\u00e1ch mua b\u1ea3o hi\u1ec3m. (TN) – Nhi\u1ec1u \u0111\u1ed9ng th\u00e1i t\u1eeb Ch\u00ednh ph\u1ee7 v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 l\u00e0m gi\u1ea3m t\u00ecnh tr\u1ea1ng ng\u00e2n h\u00e0ng “\u00e9p” mua b\u1ea3o hi\u1ec3m, nh\u01b0ng th\u1ef1c t\u1ebf v\u1eabn c\u00f2n. Ng\u01b0\u1eddi d\u00e2n b\u1ecb “\u00e9p” mua b\u1ea3o hi\u1ec3m khi vay v\u1ed1n ng\u00e2n h\u00e0ng M\u1edbi \u0111\u00e2y,\u00a0Ng\u00e2n h\u00e0ng Nh\u00e0 […]<\/p>\n","protected":false},"author":2,"featured_media":42561,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51,36],"class_list":["post-42560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n4.376. Si\u1ebft ng\u00e2n h\u00e0ng '\u00e9p' kh\u00e1ch mua b\u1ea3o hi\u1ec3m - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Nhi\u1ec1u \u0111\u1ed9ng th\u00e1i t\u1eeb Ch\u00ednh ph\u1ee7 v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc nh\u1eb1m si\u1ebft ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch mua b\u1ea3o hi\u1ec3m, nh\u01b0ng th\u1ef1c t\u1ebf v\u1eabn c\u00f2n....\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/4-376-siet-ngan-hang-ep-khach-mua-bao-hiem\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.376. 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