{"id":137565,"date":"2021-04-14T02:03:26","date_gmt":"2021-04-14T02:03:26","guid":{"rendered":"https:\/\/sof.edu.vn\/?p=137565"},"modified":"2021-04-14T02:03:29","modified_gmt":"2021-04-14T02:03:29","slug":"kenh-bancassurance-tiep-tuc-an-nen-lam-ra","status":"publish","type":"post","link":"https:\/\/sof.edu.vn\/en\/kenh-bancassurance-tiep-tuc-an-nen-lam-ra\/","title":{"rendered":"K\u00eanh bancassurance ti\u1ebfp t\u1ee5c ‘\u0103n n\u00ean l\u00e0m ra’"},"content":{"rendered":"

\u0110\u1ebfn n\u0103m 2020, doanh thu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi qua k\u00eanh ng\u00e2n h\u00e0ng – bancassurance x\u1ea5p x\u1ec9 40% v\u00e0 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n trong n\u0103m nay.<\/p>\n\n\n\n

Th\u00f4ng tin tr\u00ean \u0111\u01b0\u1ee3c \u00f4ng Chung B\u00e1 Ph\u01b0\u01a1ng, Chuy\u00ean gia \u0111\u1ecbnh ph\u00ed, Ch\u1ee7 t\u1ecbch TCA chia s\u1ebb t\u1ea1i h\u1ed9i th\u1ea3o khoa h\u1ecdc v\u1ec1 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam do \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TP HCM t\u1ed5 ch\u1ee9c ng\u00e0y 13\/4.<\/p>\n\n\n\n

Theo b\u00e1o c\u00e1o c\u1ee7a C\u00f4ng ty ch\u1ee9ng kho\u00e1n R\u1ed3ng Vi\u1ec7t (VDSC), t\u1ef7 tr\u1ecdng ph\u00ed thu t\u1eeb k\u00eanh n\u00e0y trong t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng t\u1eeb 5% n\u0103m 2012 l\u00ean h\u01a1n 30% trong 9 th\u00e1ng \u0111\u1ea7u n\u0103m 2020, nh\u01b0ng v\u1eabn th\u1ea5p h\u01a1n m\u1ee9c 60-70% \u1edf nhi\u1ec1u qu\u1ed1c gia.<\/p>\n\n\n\n

\"C\u00e1c
C\u00e1c chuy\u00ean gia trao \u0111\u1ed5i t\u1ea1i s\u1ef1 ki\u1ec7n s\u00e1ng 13\/4. \u1ea2nh: UEH.<\/em><\/figcaption><\/figure>\n\n\n\n

N\u0103m 2020 l\u00e0 th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng ki\u1ebfn nhi\u1ec1u th\u01b0\u01a1ng v\u1ee5 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m \u0111\u1ed9c quy\u1ec1n v\u1edbi m\u1ee9c ph\u00ed tr\u1ea3 tr\u01b0\u1edbc (upfront fee) l\u1edbn. V\u00ed d\u1ee5 nh\u01b0 c\u00fa b\u1eaft tay c\u1ee7a ACB v\u00e0 Sunlife v\u1edbi m\u1ee9c ph\u00ed 8.500 t\u1ef7 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 101 USD m\u1ed7i kh\u00e1ch h\u00e0ng, cao k\u1ef7 l\u1ee5c t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay.<\/p>\n\n\n\n

Tr\u01b0\u1edbc \u0111\u00f3, m\u1ee9c ph\u00ed cho m\u1ed9t kh\u00e1ch h\u00e0ng trong h\u1ee3p t\u00e1c gi\u1eefa Techcombank v\u00e0 Manulife l\u00e0 41,4 USD; gi\u1eefa TPBank v\u00e0 Sun Life l\u00e0 30,9 USD v\u00e0 gi\u1eefa Vietcombank v\u1edbi FWD l\u00e0 26,8 USD.<\/p>\n\n\n\n

Theo kh\u1ea3o s\u00e1t c\u1ee7a Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng, trong s\u1ed1 27 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (c\u00f3 81%), 6 ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (100%) v\u00e0 22 chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i (14%) \u0111ang b\u00e1n ch\u00e9o b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/p>\n\n\n\n

“M\u00f4 h\u00ecnh s\u1eed d\u1ee5ng chung d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 r\u1ea5t th\u00e0nh c\u00f4ng khi ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, \u0111\u00f3 l\u00e0 bancasurance. C\u00e1c ng\u00e2n h\u00e0ng n\u1ebfu kh\u00f4ng c\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ef1c thu\u1ed9c th\u00ec g\u1ea7n nh\u01b0 \u0111\u1ec1u l\u00e0 \u0111\u1ea1i l\u00fd c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m”, \u00f4ng Phan Qu\u1ed1c Tu\u1ea5n, Gi\u00e1m \u0111\u1ed1c Vi\u1ec7n ph\u00e1t tri\u1ec3n ngu\u1ed3n nh\u00e2n l\u1ef1c b\u1ea3o hi\u1ec3m, b\u00ecnh lu\u1eadn.<\/p>\n\n\n\n

Theo s\u1ed1 li\u1ec7u c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u0103m ngo\u00e1i c\u00f3 h\u01a1n 11,8 tri\u1ec7u h\u1ee3p \u0111\u1ed3ng c\u00f2n hi\u1ec7u l\u1ef1c, v\u1edbi t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m thu v\u1ec1 130.557 t\u1ef7 \u0111\u1ed3ng. Theo c\u00e1c chuy\u00ean gia, th\u1ecb tr\u01b0\u1eddng n\u00e0y tr\u01b0\u1edbc \u0111\u00e2y t\u0103ng tr\u01b0\u1edfng 30% m\u1ed7i n\u0103m, nh\u01b0ng hi\u1ec7n t\u1ea1i t\u0103ng tr\u01b0\u1edfng 15-20% m\u1ed9t n\u0103m \u0111\u00e3 \u0111\u01b0\u1ee3c xem l\u00e0 th\u00e0nh c\u00f4ng v\u00ec \u0111ang ti\u1ebfn d\u1ea7n \u0111\u1ebfn \u0111i\u1ec3m b\u00e3o h\u00f2a. Tuy nhi\u00ean, m\u1ea3ng nh\u00e2n th\u1ecd v\u1eabn \u0111\u01b0\u1ee3c xem l\u00e0 t\u00edch c\u1ef1c h\u01a1n trong khi m\u1ea3ng phi nh\u00e2n th\u1ecd b\u1ecb \u1ea3nh h\u01b0\u1edfng v\u00ec Covid-19.<\/p>\n\n\n\n

\"Doanh
Doanh thu b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00e1c c\u00f4ng ty n\u0103m 2020. Ngu\u1ed3n: Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam.<\/em><\/figcaption><\/figure>\n\n\n\n

C\u00e1c chuy\u00ean gia d\u1ef1 b\u00e1o, ri\u00eang k\u00eanh b\u00e1n ch\u00e9o qua ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n trong n\u0103m nay. “Ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng r\u1ea5t nhi\u1ec1u. C\u00f9ng v\u1edbi \u0111\u00f3, kh\u00e1ch h\u00e0ng \u0111\u1ebfn ng\u00e2n h\u00e0ng th\u00ec \u0111\u00e3 c\u00f3 nhu c\u1ea7u vay ho\u1eb7c l\u00e0 g\u1eedi ti\u1ec1n. Ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 c\u00e1ch thuy\u1ebft ph\u1ee5c kh\u00e1ch h\u00e0ng, ho\u1eb7c l\u00e0 mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi vay ho\u1eb7c l\u00e0 \u0111\u1ea7u t\u01b0 v\u1edbi ng\u01b0\u1eddi g\u1eedi”, \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 ph\u00e2n t\u00edch l\u00fd do.<\/p>\n\n\n\n

Tuy nhi\u00ean, v\u1eabn c\u00f2n t\u00ecnh tr\u1ea1ng kh\u00e1ch h\u00e0ng kh\u00f4ng thi\u1ec7n c\u1ea3m v\u1edbi c\u00e1ch b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a ng\u00e2n h\u00e0ng.<\/strong> “Bancassurance th\u00e0nh c\u00f4ng l\u00e0 do c\u00e1c ng\u00e2n h\u00e0ng \u0111ang \u1edf th\u1ebf th\u01b0\u1ee3ng phong ch\u1ee9 kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi d\u00f9ng th\u1ea5y ch\u00ednh s\u00e1ch t\u1ed1t m\u00e0 tham gia mua”, \u00f4ng Chung B\u00e1 Ph\u01b0\u01a1ng n\u00f3i v\u00e0 cho bi\u1ebft v\u1eabn c\u00f2n tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd qua k\u00eanh ng\u00e2n h\u00e0ng trong t\u00e2m th\u1ebf mi\u1ec5n c\u01b0\u1ee1ng, n\u1ebfu mu\u1ed1n ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n

\u00d4ng Ng\u00f4 Trung D\u0169ng c\u0169ng x\u00e1c nh\u1eadn v\u1eabn c\u00f2n nh\u1eefng ph\u1ea3n \u00e1nh v\u1ec1 s\u1ef1 kh\u00f4ng h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng. “Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u00e0 c\u1ea3 Hi\u1ec7p h\u1ed9i r\u1ea5t kh\u00f3 x\u1eed trong v\u1ea5n \u0111\u1ec1 n\u00e0y, v\u00ec kh\u00f4ng c\u00f3 ch\u1ee7 tr\u01b0\u01a1ng \u00e9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, trong c\u00e1c h\u1ee3p \u0111\u1ed3ng gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e2n h\u00e0ng \u0111\u00f4i khi c\u00f3 nh\u1eefng r\u00e0ng bu\u1ed9c v\u1ec1 ch\u1ec9 ti\u00eau. Do \u0111\u00f3, ph\u00eda ng\u00e2n h\u00e0ng ph\u1ea3i giao ch\u1ec9 ti\u00eau xu\u1ed1ng cho nh\u00e2n vi\u00ean c\u1ee7a h\u1ecd”, \u00f4ng D\u0169ng n\u00f3i.<\/p>\n\n\n\n

\u0110\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i, c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u01b0\u1eddng t\u00ednh t\u1ef7 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u01b0\u1eddng l\u1ea5y m\u1ed1c \u1edf th\u00e1ng 13 ho\u1eb7c 25. Con s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 ph\u1ea7n n\u00e0o ti\u1ebft l\u1ed9 kh\u00e1ch h\u00e0ng \u0111ang h\u00e0i l\u00f2ng \u0111\u1ebfn \u0111\u00e2u v\u1edbi k\u00eanh bancassurance. Tuy nhi\u00ean, c\u00e1c doanh nghi\u1ec7p kh\u00f4ng chia s\u1ebb n\u00f3 v\u1edbi Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m. \u00d4ng Ph\u01b0\u01a1ng \u01b0\u1edbc t\u00ednh, c\u00e1c ng\u00e2n h\u00e0ng t\u1ed1t nh\u1ea5t \u0111ang c\u00f3 t\u1ef7 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng cao h\u01a1n 70%.<\/p>\n\n\n\n

Theo \u00f4ng D\u0169ng, b\u1ea3n th\u00e2n nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c giao b\u00e1n b\u1ea3o hi\u1ec3m c\u0169ng kh\u00f4ng th\u00edch th\u00fa g\u00ec khi ph\u1ea3i thuy\u1ebft ph\u1ee5c kh\u00e1ch, nh\u01b0ng v\u00ec \u0111\u01b0\u1ee3c giao ch\u1ec9 ti\u00eau ph\u1ea3i l\u00e0m. “N\u1ebfu \u0111i qu\u00e1 \u0111\u00e0 s\u1ebd l\u00e0 con dao hai l\u01b0\u1ee1i, c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1u m\u1ea5t uy t\u00edn v\u1ec1 m\u1eb7t th\u01b0\u01a1ng hi\u1ec7u v\u1edbi kh\u00e1ch h\u00e0ng”, \u00f4ng n\u00f3i.<\/p>\n\n\n\n

Vi\u1ec5n th\u00f4ng<\/p>\n\n\n\n

Ngu\u1ed3n: https:\/\/vnexpress.net\/kenh-bancassurance-tiep-tuc-an-nen-lam-ra-4262260.html<\/p>","protected":false},"excerpt":{"rendered":"

\u0110\u1ebfn n\u0103m 2020, doanh thu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi qua k\u00eanh ng\u00e2n h\u00e0ng – bancassurance x\u1ea5p x\u1ec9 40% v\u00e0 \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n trong n\u0103m nay. Th\u00f4ng tin tr\u00ean \u0111\u01b0\u1ee3c \u00f4ng Chung B\u00e1 Ph\u01b0\u01a1ng, Chuy\u00ean gia \u0111\u1ecbnh ph\u00ed, Ch\u1ee7 t\u1ecbch TCA chia s\u1ebb t\u1ea1i h\u1ed9i th\u1ea3o khoa h\u1ecdc v\u1ec1 th\u1ecb tr\u01b0\u1eddng […]<\/p>","protected":false},"author":4,"featured_media":137566,"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":[527,539,526,534],"tags":[],"class_list":["post-137565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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\/137565","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=137565"}],"version-history":[{"count":1,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts\/137565\/revisions"}],"predecessor-version":[{"id":137567,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts\/137565\/revisions\/137567"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/media\/137566"}],"wp:attachment":[{"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/media?parent=137565"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/categories?post=137565"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/tags?post=137565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}