![\"](\"https:\/\/cafefcdn.com\/203337114487263232\/2021\/4\/13\/photo-1-16183066279131238719597.jpg\" "\\"")
<\/a><\/figure>\n\n\n\nKh\u00e1ch h\u00e0ng kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi vay v\u1ed1n ng\u00e2n h\u00e0ng<\/p>\n\n\n\n
\u0110\u1ebfn h\u1ebft n\u0103m 2020, c\u1ea3 n\u01b0\u1edbc c\u00f3 kho\u1ea3ng 11% d\u00e2n s\u1ed1 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, t\u1ee9c c\u1ee9 100 ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 kho\u1ea3ng 11 ng\u01b0\u1eddi c\u00f3 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. D\u1ef1 ki\u1ebfn t\u1edbi n\u0103m 2025, kho\u1ea3ng 15% d\u00e2n s\u1ed1 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Doanh thu ph\u00ed b\u1ea3o hi\u1ec3m b\u00ecnh qu\u00e2n GDP \u0111\u1ebfn n\u0103m 2020 t\u1ed1i \u0111a \u0111\u1ea1t 3% v\u00e0 d\u1ef1 ki\u1ebfn \u0111\u1ebfn n\u0103m 2025 \u0111\u1ea1t 3,5%. T\u1ea1i h\u1ed9i th\u1ea3o, nhi\u1ec1u chuy\u00ean gia nh\u1eadn \u0111\u1ecbnh b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng (Bancassurance) s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u1ea1nh v\u00e0 tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng k\u00eanh ph\u00e2n ph\u1ed1i ch\u00ednh c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m. Th\u1ef1c t\u1ebf, h\u00e0ng lo\u1ea1t th\u01b0\u01a1ng v\u1ee5 h\u1ee3p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 di\u1ec5n ra g\u1ea7n \u0111\u00e2y, v\u1edbi h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng ph\u00ed tr\u1ea3 tr\u01b0\u1edbc c\u1ee7a h\u00e3ng b\u1ea3o hi\u1ec3m cho ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n N\u1ebfu kho\u1ea3ng 6-7 n\u0103m tr\u01b0\u1edbc, doanh thu c\u1ee7a ng\u00e0nh Bancassurance ch\u1ec9 chi\u1ebfm kho\u1ea3ng 6% nh\u01b0ng t\u0103ng d\u1ea7n qua t\u1eebng n\u0103m v\u00e0 \u0111\u1ebfn n\u0103m ngo\u00e1i \u0111\u00e3 chi\u1ebfm t\u1edbi 40% doanh thu b\u00e1n b\u1ea3o hi\u1ec3m m\u1edbi. Bancassurance l\u00e0 xu th\u1ebf s\u1ebd ti\u1ebfp t\u1ee5c ph\u1ed5 bi\u1ebfn \u1edf Vi\u1ec7t Nam.<\/p>\n\n\n\n Chia s\u1ebb b\u00ean l\u1ec1 h\u1ed9i th\u1ea3o v\u1ec1 c\u00e2u chuy\u1ec7n nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng m\u1eddi ch\u00e0o, th\u1eadm ch\u00ed “\u00e9p” kh\u00e1ch h\u00e0ng vay v\u1ed1n ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u1eddi gian qua, \u00f4ng Ng\u00f4 Trung D\u0169ng kh\u1eb3ng \u0111\u1ecbnh c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 c\u1ea3 Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam kh\u00f4ng khuy\u1ebfn kh\u00edch \u0111i\u1ec1u n\u00e0y.<\/p>\n\n\n\n “Ch\u00fang t\u00f4i r\u1ea5t kh\u00f3 x\u1eed trong c\u00e2u chuy\u1ec7n n\u00e0y v\u00ec \u0111\u00e2y kh\u00f4ng ph\u1ea3i ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m nh\u01b0ng khi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u1ed9c quy\u1ec1n khai th\u00e1c b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 nh\u1eefng r\u00e0ng bu\u1ed9c v\u1ec1 ch\u1ec9 ti\u00eau. C\u00e1c ng\u00e2n h\u00e0ng giao l\u1ea1i ch\u1ec9 ti\u00eau cho nh\u00e2n vi\u00ean v\u00e0 c\u00f3 th\u1ec3 x\u1ea3y ra chuy\u1ec7n “\u00e9p” ho\u1eb7c m\u1eddi kh\u00e1ch h\u00e0ng mua nh\u01b0ng th\u1ef1c ra \u0111\u00e2y l\u00e0 “con dao hai l\u01b0\u1ee1i” c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng uy t\u00edn th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m” \u2013 \u00f4ng Ng\u00f4 Trung D\u0169ng ph\u00e2n t\u00edch.<\/p>\n\n\n\n Sau giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n n\u00f3ng, t\u1eeb n\u0103m 2021, th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 t\u0103ng tr\u01b0\u1edfng \u1edf m\u1ee9c kho\u1ea3ng 15%. V\u1edbi s\u1ef1 c\u1ea1nh tranh ng\u00e0y c\u00e0ng m\u1ea1nh bu\u1ed9c c\u00e1c doanh nghi\u1ec7p tham gia ph\u1ea3i cung c\u1ea5p s\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i bao g\u1ed3m c\u1ea3 chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n\n\n\n Th\u1ea1c s\u1ef9 H\u1ed3 Thu Ho\u00e0i, Khoa t\u00e0i ch\u00ednh, Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP HCM, chia s\u1ebb c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111ang t\u1eadp trung s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 gia t\u0103ng hi\u1ec7u qu\u1ea3 ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m c\u00f3 s\u1eb5n \u0111\u1ebfn kh\u00e1ch h\u00e0ng. Doanh nghi\u1ec7p c\u1ea7n t\u1eadp trung chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nh\u1eb1m \u0111\u1ea1t hi\u1ec7u qu\u1ea3 kinh doanh, gia t\u0103ng s\u1ee9c c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n Theo Th\u00e1i Ph\u01b0\u01a1ng<\/p>\n\n\n\n Ng\u01b0\u1eddi lao \u0111\u1ed9ng<\/p>\n\n\n\n Ngu\u1ed3n: <\/p>\n\n\n\n https:\/\/cafef.vn\/khong-khuyen-khich-nhan-vien-ngan-hang-ep-khach-mua-bao-hiem-20210413163847225.chn <\/p>\n\n\n\n https:\/\/nld.com.vn\/kinh-te\/khong-khuyen-khich-nhan-vien-ngan-hang-ep-khach-mua-bao-hiem-20210413161323678.htm<\/p>","protected":false},"excerpt":{"rendered":" C\u00e1c doanh nghi\u1ec7p, hi\u1ec7p h\u1ed9i kh\u00f4ng khuy\u1ebfn kh\u00edch vi\u1ec7c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng “\u00e9p” kh\u00e1ch vay v\u1ed1n ph\u1ea3i mua k\u00e8m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. \u0110\u00e2y l\u00e0 chia s\u1ebb c\u1ee7a \u00f4ng Ng\u00f4 Trung D\u0169ng, Ph\u00f3 t\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam b\u00ean l\u1ec1 h\u1ed9i th\u1ea3o khoa h\u1ecdc “Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m CVII 2021: […]<\/p>","protected":false},"author":4,"featured_media":137563,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[542,527,539,526,534],"tags":[],"class_list":["post-137562","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cong-trinh-nghien-cuu","category-hoi-thao-khoa-hoc","category-nghien-cuu","category-su-kien","category-su-kien-sof"],"_links":{"self":[{"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts\/137562","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/comments?post=137562"}],"version-history":[{"count":1,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts\/137562\/revisions"}],"predecessor-version":[{"id":137564,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts\/137562\/revisions\/137564"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/media\/137563"}],"wp:attachment":[{"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/media?parent=137562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/categories?post=137562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/tags?post=137562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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