{"id":137575,"date":"2021-04-14T02:11:43","date_gmt":"2021-04-14T02:11:43","guid":{"rendered":"https:\/\/sof.edu.vn\/?p=137575"},"modified":"2021-04-14T02:11:46","modified_gmt":"2021-04-14T02:11:46","slug":"tuong-lai-doanh-nghiep-bao-hiem-co-the-bi-cham-dut-neu-khong-chuyen-doi-so","status":"publish","type":"post","link":"https:\/\/sof.edu.vn\/en\/tuong-lai-doanh-nghiep-bao-hiem-co-the-bi-cham-dut-neu-khong-chuyen-doi-so\/","title":{"rendered":"T\u01b0\u01a1ng lai doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 b\u1ecb “ch\u1ea5m d\u1ee9t” n\u1ebfu kh\u00f4ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1"},"content":{"rendered":"

DNHN – \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 t\u1ea1i h\u1ed9i th\u1ea3o khoa h\u1ecdc “Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m CVII 2021: T\u00e1c \u0111\u1ed9ng COVID-19, Insurtech, th\u1ecb tr\u01b0\u1eddng v\u00e0 ch\u00ednh s\u00e1ch” do Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP HCM t\u1ed5 ch\u1ee9c, ng\u00e0y 13-4.<\/p>\n\n\n\n

T\u1ea1i h\u1ed9i th\u1ea3o, \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 cho bi\u1ebft, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m 2020 \u0111\u1ea1t 186.221 t\u1ef7 \u0111\u1ed3ng, t\u0103ng tr\u01b0\u1edfng 16,5%; trong \u0111\u00f3 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u0111\u1ea1t 55.664 t\u1ef7 \u0111\u1ed3ng (t\u0103ng 5,3%), b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd 130.557 t\u1ef7 \u0111\u1ed3ng (t\u0103ng 22%). <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

 Quang c\u1ea3nh H\u1ed9i th\u1ea3o<\/em><\/p>\n\n\n\n

C\u00e1c doanh nghi\u1ec7p \u0111\u00e3 chi tr\u1ea3 47.039 t\u1ec9 \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng h\u01a1n 2 t\u1ec9 USD cho quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n v\u1ec1 t\u1ed5ng t\u00e0i s\u1ea3n, t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u1ea7u t\u01b0, t\u1ed5ng d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5, t\u1ed5ng ngu\u1ed3n v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu, t\u1ed5ng doanh thu t\u0103ng b\u00ecnh qu\u00e2n 20% \u0111\u1ebfn n\u0103m 2020 v\u00e0 15%\/n\u0103m t\u1eeb n\u0103m 2021 \u0111\u1ebfn n\u0103m 2025.<\/p>\n\n\n\n

\u0110\u1ebfn n\u0103m 2020 \u0111\u00e3 c\u00f3 11% d\u00e2n s\u1ed1 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, t\u1edbi n\u0103m 2025 \u01b0\u1edbc t\u00ednh 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 3%, d\u1ef1 ki\u1ebfn \u0111\u1ebfn n\u0103m 2025 \u0111\u1ea1t 3,5%.<\/p>\n\n\n\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, h\u00e0ng lo\u1ea1t c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u1ec1 b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn li\u00ean t\u1ee5c ra m\u1eaft, kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng ty Vi\u1ec7t Nam m\u00e0 c\u00f2n c\u00f3 c\u1ea3 nh\u1eefng c\u00f4ng ty c\u00f3 kinh nghi\u1ec7m \u1edf n\u01b0\u1edbc ngo\u00e0i nh\u01b0 9line, Papaya. Theo \u0111\u00f3, ng\u00e0nh b\u1ea3o hi\u1ec3m hi\u1ec7n nay d\u01b0\u1eddng nh\u01b0 \u0111ang \u1edf \u0111i\u1ec3m thay \u0111\u1ed5i then ch\u1ed1t v\u00e0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m xem c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn trong ng\u00e0nh b\u1ea3o hi\u1ec3m (InsurTech) l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i tuy\u1ec7t v\u1eddi cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

Theo \u00f4ng D\u0169ng, trong 10 n\u0103m t\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 s\u1ef1 chuy\u1ec3n d\u1ecbch m\u1ea1nh. Ch\u1eb3ng h\u1ea1n hi\u1ec7n nay \u1edf Nh\u1eadt B\u1ea3n \u0111\u00e3 c\u00f3 c\u00f4ng ty \u0111\u1ea7u t\u01b0 2 tri\u1ec7u USD \u0111\u1ec3 s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u1ea3 b\u1eb1ng v\u0103n b\u1ea3n v\u00e0 phi v\u0103n b\u1ea3n.<\/p>\n\n\n\n

\u1ede th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam, trong th\u1eddi gian t\u1edbi th\u1ecb tr\u01b0\u1eddng c\u00f3 kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n k\u00eanh ph\u00e2n ph\u1ed1i m\u1edbi, xu\u1ea5t hi\u1ec7n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ho\u00e0n to\u00e0n m\u1edbi, \u0111\u01a1n gi\u1ea3n, th\u00e2n thi\u1ec7n, th\u00eam c\u00e1c ti\u1ec7n \u00edch cho kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m, qu\u1ea3n l\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, khi\u1ebfu n\u1ea1i quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m\u2026 V\u1edbi m\u1ee9c \u0111\u1ed9 c\u1ea1nh tranh l\u1edbn, \u00f4ng D\u0169ng cho r\u1eb1ng trong t\u01b0\u01a1ng lai doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 b\u1ecb “ch\u1ea5m d\u1ee9t” n\u1ebfu kh\u00f4ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n\n\n\n

D\u1eabn theo nghi\u00ean c\u1ee9u t\u1eeb CB Insights, ThS H\u1ed3 Thu Ho\u00e0i (khoa t\u00e0i ch\u00ednh Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP.HCM) chia s\u1ebb trong 2 qu\u00fd \u0111\u1ea7u n\u0103m 2020 khi d\u1ecbch COVID-19 b\u00f9ng ph\u00e1t m\u1ea1nh, xu h\u01b0\u1edbng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0o b\u1ea3o hi\u1ec3m (Insurtech) c\u00f3 ph\u1ea7n \u0111i xu\u1ed1ng. Tuy nhi\u00ean, 2 qu\u00fd cu\u1ed1i n\u0103m Insurtech t\u0103ng \u0111\u1ed9t bi\u1ebfn.<\/p>\n\n\n\n

C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111ang t\u1eadp trung s\u1eed d\u1ee5ng Insurtech \u0111\u1ec3 gia t\u0103ng hi\u1ec7u qu\u1ea3 ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m s\u1eb5n c\u00f3 \u0111\u1ebfn kh\u00e1ch h\u00e0ng. Trong khi n\u01b0\u1edbc ngo\u00e0i th\u01b0\u1eddng t\u1eadp trung \u1ee9ng d\u1ee5ng ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m v\u00e0 k\u1ebft n\u1ed1i kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n

Th.S H\u1ed3 Thu Ho\u00e0i, Khoa T\u00e0i ch\u00ednh, Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf TPHCM cho bi\u1ebft, tr\u01b0\u1edbc khi \u0111\u1ea1i d\u1ecbch Covid-19 x\u1ea3y ra, InsurTech \u0111\u00e3 v\u00e0 \u0111ang l\u00e0 xu h\u01b0\u1edbng \u0111\u01b0\u1ee3c ng\u00e0nh b\u1ea3o hi\u1ec3m quan t\u00e2m \u0111\u1ea7u t\u01b0 ph\u00e1t tri\u1ec3n. S\u1ed1 li\u1ec7u cho th\u1ea5y, doanh thu c\u1ee7a th\u1ecb tr\u01b0\u1eddng InsurTech to\u00e0n c\u1ea7u \u01b0\u1edbc \u0111\u1ea1t 5,48 t\u1ef7 USD v\u00e0o n\u0103m 2019 v\u00e0 d\u1ef1 ki\u1ebfn \u0111\u1ea1t 10,14 t\u1ef7 USD v\u00e0o n\u0103m 2025. Covid-19 t\u1ea1o ra nh\u1eefng th\u00e1ch th\u1ee9c m\u1edbi cho th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m, gi\u00fap \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c \u0111\u1ed5i m\u1edbi.<\/p>\n\n\n\n

T\u1ea1i Vi\u1ec7t Nam, m\u1eb7c d\u00f9 ch\u01b0a c\u00f3 s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea v\u1ec1 doanh thu InsurTech c\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 cho l\u0129nh v\u1ef1c n\u00e0y nh\u01b0ng h\u00e0ng lo\u1ea1t \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m \u0111\u00e3 xu\u1ea5t hi\u1ec7n.<\/p>\n\n\n\n

\u0110i\u1ec3n h\u00ecnh nh\u01b0 FDW th\u1ef1c hi\u1ec7n 100% ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n ho\u00e0n to\u00e0n b\u1eb1ng \u0111i\u1ec7n t\u1eed; T\u1ed5ng c\u00f4ng ty B\u1ea3o hi\u1ec3m B\u01b0u \u0111i\u1ec7n (PTI) h\u1ee3p t\u00e1c v\u1edbi CTCP INSO Vi\u1ec7t Nam (m\u1ed9t startup trong l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7) ra m\u1eaft \u1ee9ng d\u1ee5ng INSO cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng t\u1ef1 mua b\u1ea3o hi\u1ec3m v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng m\u1ecdi l\u00fac m\u1ecdi n\u01a1i; Prudential s\u1eed d\u1ee5ng chatbox t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m PRUbox v\u00e0 c\u00f4ng c\u1ee5 Matchbook\u2026<\/p>\n\n\n\n

Th\u1eddi gian g\u1ea7n \u0111\u00e2y, h\u00e0ng lo\u1ea1t c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u1ec1 b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn li\u00ean t\u1ee5c ra m\u1eaft, kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng ty Vi\u1ec7t Nam m\u00e0 c\u00f2n c\u00f3 c\u1ea3 nh\u1eefng c\u00f4ng ty c\u00f3 kinh nghi\u1ec7m \u1edf n\u01b0\u1edbc ngo\u00e0i nh\u01b0 9line, Papaya. Theo \u0111\u00f3, ng\u00e0nh b\u1ea3o hi\u1ec3m hi\u1ec7n nay d\u01b0\u1eddng nh\u01b0 \u0111ang \u1edf \u0111i\u1ec3m thay \u0111\u1ed5i then ch\u1ed1t v\u00e0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m xem InsurTech l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i tuy\u1ec7t v\u1eddi cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

Theo nghi\u00ean c\u1ee9u c\u1ee7a Sheehan (2020), trong \u0111\u1ea1i d\u1ecbch, m\u1ee9c \u0111\u1ed9 tin t\u01b0\u1edfng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0o c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 l\u1edbn \u0111\u00e3 t\u0103ng l\u00ean. N\u1ebfu nh\u01b0 n\u0103m 2016 ch\u1ec9 c\u00f3 17% ng\u01b0\u1eddi \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t ch\u1ee7 h\u1ee3p \u0111\u1ed3ng s\u1eb5n s\u00e0ng k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 l\u1edbn (BigTechs) th\u00ec \u0111\u1ebfn qu\u00fd 4-2020 con s\u1ed1 n\u00e0y \u0111\u00e3 t\u0103ng l\u00ean 44%. <\/p>\n\n\n\n

D\u00f9 xem chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh s\u1ed1ng c\u00f2n c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, nh\u01b0ng \u00f4ng V\u01b0\u01a1ng Vi\u1ec7t Linh (CEO C\u00f4ng ty TNHH B\u1ea3o hi\u1ec3m t\u00e0i ch\u00ednh tr\u1ef1c tuy\u1ebfn Vi\u1ec7t Nam – VIFO) c\u0169ng nh\u00ecn nh\u1eadn: “B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam v\u1eabn c\u00f2n kh\u00e1 l\u1ea1c h\u1eadu, ch\u1ee7 y\u1ebfu l\u00e0m tr\u00ean gi\u1ea5y”. \u0110i\u1ec3n h\u00ecnh nh\u01b0 vi\u1ec7c ngh\u1ecb \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi do Ch\u00ednh ph\u1ee7 ban h\u00e0nh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb th\u00e1ng 3-2021, cho ph\u00e9p doanh nghi\u1ec7p cung c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m \u0111i\u1ec7n t\u1eed cho kh\u00e1ch h\u00e0ng, nh\u01b0ng khi \u0111i v\u00e0o th\u1ef1c t\u1ebf nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eb7p kh\u00f3 v\u00ec l\u1ef1c l\u01b0\u1ee3ng c\u1ea3nh s\u00e1t giao th\u00f4ng v\u1eabn c\u00f2n “b\u1ee1 ng\u1ee1”. Do \u0111\u00f3, mu\u1ed1n chuy\u1ec3n \u0111\u1ed5i s\u1ed1, tr\u01b0\u1edbc ti\u00ean ph\u1ea3i b\u1eaft \u0111\u1ea7u t\u1eeb y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi.<\/p>\n\n\n\n

L\u00e2m Nghi<\/strong>\u00a0<\/p>\n\n\n\n

Ngu\u1ed3n: https:\/\/doanhnghiephoinhap.vn\/tuong-lai-doanh-nghiep-bao-hiem-co-the-bi-cham-dut-neu-khong-chuyen-doi-so.html<\/p>","protected":false},"excerpt":{"rendered":"

DNHN – \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 t\u1ea1i h\u1ed9i th\u1ea3o khoa h\u1ecdc “Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m CVII 2021: T\u00e1c \u0111\u1ed9ng COVID-19, Insurtech, th\u1ecb tr\u01b0\u1eddng v\u00e0 ch\u00ednh s\u00e1ch” do Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP HCM t\u1ed5 ch\u1ee9c, ng\u00e0y 13-4. T\u1ea1i h\u1ed9i th\u1ea3o, \u00f4ng […]<\/p>","protected":false},"author":4,"featured_media":137576,"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-137575","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\/137575","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=137575"}],"version-history":[{"count":1,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts\/137575\/revisions"}],"predecessor-version":[{"id":137577,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/posts\/137575\/revisions\/137577"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/media\/137576"}],"wp:attachment":[{"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/media?parent=137575"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/categories?post=137575"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sof.edu.vn\/en\/wp-json\/wp\/v2\/tags?post=137575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}