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vien
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Mn: NLTHBH
Lp Tc10
Module 1
MC LC
Trang 2/27
MC LC
1.S PHT TRIN CA TH TRNG BO HIM VIT NAM:.....................4
1.1 Giai an trc 1993:.........................................................................................4
1.2 Giai an t 1994 n 2007:...............................................................................4
1.3Vit Nam sau gia nhp WTO:.............................................................................6
2.PHN TCH SWOT TH TRNG BO HIM VIT NAM:..........................8
2.1Tng quan v phn tch SWOT:..........................................................................8
2.2Phn tch SWOT:.................................................................................................9
2.2.1Phn tch mi trng v m_M hnh PEST-N:..............................................9
2.2.1.1 Mi trng chnh tr (P):..........................................................................9
2.2.1.2Mi trng kinh t (E):.............................................................................9
Tng trng kinh t:.................................................................................................................................9
C cu kinh t:........................................................................................................................................10
Tc ng ca lm pht v cc bin ng kinh t:..................................................................................11
Lp Tc10
Module 1
MC LC
Trang 3/27
3.Quy m dn s ln..................................................................................................19
4.Kh hu nhit i gi ma.....................................................................................19
5.Th trng bo him Vit Nam c nh gi cao..............................................19
Thch thc............................................................................................................19
1.Bt n kinh t.....................................................................................................19
2.Nhn thc cha cao v khng ng u...............................................................19
3.p dng cng ngh mi tn km v kh khn.....................................................19
im mnh............................................................................................................19
1.Th trng ngy cng ln mnh.........................................................................19
2.Kh c sn phm thay th han ton.................................................................19
3.Sn phm a dng, ngun nhn lc ngy cng chuyn nghip..........................19
4.Chin lc Marketing pht trin........................................................................19
im yu...............................................................................................................21
1.Vic gii quyt bi thng cn nhiu hn ch...................................................21
2.Thiu s phi hp cht ch, hiu qu vi nh cung cp....................................21
Nhng gii php khc : .........................................................................................22
TI LIU THAM KHO:.......................................................................................25
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Mn: NLTHBH
Lp Tc10
Module 1
TNG QUAN
Trang 4/27
Nhm: tcdn1005ueh34
Mn: NLTHBH
Lp Tc10
Module 1
TNG QUAN
Trang 5/27
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Mn: NLTHBH
Lp Tc10
Module 1
TNG QUAN
Trang 6/27
Lp Tc10
Module 1
TNG QUAN
Trang 7/27
cng tc qun l v khai thc bo him. c bit trong giai on ny, cc doanh
nghip bo him ch trng vic u t ngun vn ch s hu tr li nn kinh t,
tp trung vo cc lnh vc u t an ton v c hiu qu kinh t cao nh gp vn lin
doanh, tham gia thnh lp cng ty c phn, cho vay, tham gia cc d n u t, mua
tri phiu Chnh ph, mua c phiu, gi tit kim ngn hng... Cc doanh nghip bo
him tr thnh cc nh ch trung gian ti chnh huy ng vn hiu qu cho nn
kinh t.
Doanh thu th trng bo him tng trng u n, vi tc kh cao ngay c
trong thi k kinh t khng hong (2008: 15,4%, 2009: 14,1%), quy m th trng
ngy cng m rng. Bo him thng mi chim gi v tr ngy cng quan trng hn,
ng gp ngy cng ln hn vo s tng trng chung ca nn kinh t quc dn.
Th trng bo him Vit Nam 6 thng u nm 2011 vn duy tr tc tng
trng kh. Tng doanh thu ph bo him 6 thng u nm 2011 c t 17.362 t
ng, trong doanh thu bo him phi nhn th khong 10.123 t ng, tng 22% so
vi cng k nm 2010, doanh thu ph bo him nhn th khong 7.239 t ng, tng
15,93% so vi cng k nm 2010.
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Mn: NLTHBH
Lp Tc10
Module 1
Trang 8/27
Lp Tc10
Module 1
Trang 9/27
Mi trng php l cho hot ng kinh doanh bo him ngy cng c hon
thin, ph hp vi chun mc quc t, to chun cho cc doanh nghip bo him hot
ng hiu qu, pht trin bn vng, bo v quyn li ca ngi mua bo him.
S ra i ca mt s sn phm bo him bt buc nh bo him trch nhim dn
s ca ch xe c gii, bo him trch nhim dn s ca ngi vn chuyn hng khng
i vi hnh khch; bo him trch nhim ngh nghip i vi hot ng t vn php
lut; bo him trch nhim ngh nghip ca doanh nghip mi gii bo him; bo
him chy, n to iu kin thun li cho vic kinh doanh bo him.
Vic Chnh ph cho php cc doanh nghip bo him c vn u t nc ngoi
tham gia cung cp dch v bo him ti th trng Vit Nam s tng thm nng lc
khai thc bo him ca th trng bo him.
Chnh sch m ca to mi trng thun li cho u t trc tip nc ngoi v
hot ng xut nhp khu lm tng cu bo him1.
2.2.1.2
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Mn: NLTHBH
Lp Tc10
Module 1
Trang 10/27
dch v 7,5%; xut khu trn 70 t USD chim 70% GDP, Vit Nam gim h ngho
t 22% nm 2005 xung cn 9,45% nm 2010. Quy m th trng bo him cn nh
b, cha thc s p ng c yu cu pht trin kinh t x hi. Hn ch ny th
hin kh r t trng doanh thu ph bo him trong GDP c tng song vn cn rt
thp so vi cc nc trong khu vc v quc t (Singapo l 6,00%; i loan 6,9%;
Thi Lan 4,7%; mc trung bnh trn th gii l 7,8%). Nhng thun li trn l tin
cho ngnh bo him tng trng. Ngi dn bt u c tch lu v yn tm s dng
tin tch lu ny u t tr li nn kinh t, trong bo him nhn th l mt trong
nhng knh u t vn c ngi dn la chn.
u t trc tip nc ngoi v u t trong nc pht trin nhanh chng. y
cng l c s ngnh bo him pht trin, ng thi cng i hi ngnh bo him
phi c sn phm bo him p ng nhu cu ca tng trng u t nc ngoi v
trong nc, nht l nhng c s u t ngnh ngh mi, cng ngh cao nh ng tu,
xy dng ng tu in ngm, xy dng ngnh in t cng ngh thng tin, xy
dng nh my lc du, in nguyn t, v tinh, sn xut linh kin my bay y l
tim nng cho bo him xy dng lp t, bo him ti sn, bo him k thut, bo
him trch nhim pht trin.
C cu kinh t:
C cu ngnh tnh theo GDP ca nn kinh t c s thay i theo hng cng
nghip ha, hin i ha. T trng khu vc nng lm ng nghip gim, trong khi
t trng khu vc cng nghip v dch v ngy cng tng to tin cho s pht
trin ca th trng bo him Vit Nam.
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Mn: NLTHBH
Lp Tc10
Module 1
Trang 11/27
Ngun: Gso.gov.vn
Trc tnh trng lm pht tng cao, ngy 24/2/2011, Chnh ph a ra Ngh quyt
11/NQ-CP v gii php kim ch lm pht. Trin khai ngh quyt ny, c rt nhiu
Nhm: tcdn1005ueh34
Mn: NLTHBH
Lp Tc10
Module 1
Trang 12/27
bin php ct gim chi tiu cng. Trong , kh nhiu d n nm trong k hoch nm
2011 b ct gim. Theo tnh ton s b, ti thng 4/2011, c 1.387 d n vi
tng s vn ct gim gn 3.400 t ng. Cc bin php ct gim chi tiu, co hp cc
d n u t cng s nh hng ng k ti cc doanh nghip bo him phi nhn th
c hng mc bo him xy dng v lp t chim mt t trng kh ln trong danh
mc sn phm ca cc doanh nghip.
Khi lm pht tng cao ko li sut tng theo khin cc doanh nghip v ngi dn
s c xu hng ct gim cc khon chi cha cp thit, trong c khon chi cho bo
him v i vi nhiu doanh nghip, y l khon chi cha thy ngay c li ch.
Thm vo , khi lm pht c xu hng tng ln, gi tr quyn li bo him s c xu
hng gim, nh hng nht nh ti tm l ca khch hng mua bo him theo
hng gim nhu cu mua2.
Gi vng, t gi ngoi hi v li sut thay i nh hng ng k ti hot ng
kinh doanh bo him. Mt s doanh nghip bo him phi nhn th trong nc gp kh
khn trong vic tng vn iu l do kh huy ng vn t bn ngoi. Lnh vc bo
him nhn th cng gp kh khn trong khai thc, tm kim khch hng tim nng,
mt s t khch hng tham gia bo him khng cn kh nng ng ph bo him.
2.2.1.3
Mi trng x hi (S):
: http://www.kinhte24h.com/?a=TW&tw=NEWS&news=VIE&home_id=59&view_id=67068
: http://www.webbaohiem.net/th%E1%BB%8B-tr/4005-thi-truong-bao-hiem-viet-nam-rat-tiemnang.html
3
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Mn: NLTHBH
Lp Tc10
Module 1
Trang 13/27
2.2.1.4
Trong bi cnh hi nhp quc t, vic ng dng cng ngh thng tin cho php
cc doanh nghip bo him vi tnh ho qu trnh dch v, gim bt tnh cng knh ca
c cu t chc doanh nghip bo him, a dng ho knh phn phi v cc hnh thc
dch v, tng cng dch v khch hng bng cc dch v ph tr k thut cao,... Cng
ngh s pht trin gip ch nhiu cho cc nh bo him trong cng tc qun l v iu
hnh hot ng. Ngoi ra, s pht trin nhanh chng ca cng ngh thng tin to ra
mt thi quen tiu dng mi cho khch hng. Tuy nhin, cc sn phm cng ngh
thng tin lin tc c tung ra th trng. Vic u t v thay i cng ngh l ht sc
tt km, c bit i vi cc doanh nghip non tr Vit Nam. Mc khc, vic p
dng l ht sc kh khn khi m i ng lao ng vn hnh ny Vit Nam l khng
nhiu hoc l phi o to thm. Vi li trnh dn tr cn cha cao nn h s khng
mn m lm vi nhng cng ngh xa x ny.
2.2.1.5
Lp Tc10
Module 1
Trang 14/27
: http://www.baomoi.com/Nhieu-nguoi-ngai-tham-gia-dich-vu-bao-hiem-y-te-chi-tra/144/7195890.epi
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Mn: NLTHBH
Lp Tc10
Module 1
Trang 15/27
2.2.2.2
Cu bo him xut pht t khch hng bo him (tim nng hay thc t), c th
l nhng c nhn khi mua bo him cho bn thn hay cho gia nh mnh, cng l
nhng php nhn, cc doanh nghip, cc t chc. V nguyn tc, hp ng bo him
c giao kt v thc hin da trn c s t nguyn ca khch hng nhng do nhng
c tnh ring bit ca hp ng bo him, khch hng bo him lun v th yu
hn.
2.2.2.3
2.2.2.4
:http://www.baovietnhantho.com.vn/newsdetail.asp?
websiteId=1&newsId=537&catId=199&lang=VN
5
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Mn: NLTHBH
Lp Tc10
Module 1
Trang 16/27
: http://thongtinphapluatdansu.wordpress.com/2009/08/27/3695/
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Mn: NLTHBH
Lp Tc10
Module 1
Trang 17/27
2.2.2.5
: http://cafef.vn/2011071304502016CA34/bao-hiem-hang-hoa-doanh-nghiep-noi-lep-ve.chn
: http://www.docstoc.com/docs/69426599/%C4%90%C3%A1nh-gi%C3%A1-th%E1%BB%8B-tr
%C6%B0%E1%BB%9Dng-b%E1%BA%A3o-hi%E1%BB%83m-Vi%E1%BB%87t-Nam-t
%E1%BB%AB-n%C4%83m-1993-%C4%91%E1%BA%BFn-n%C4%83m-2009
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Lp Tc10
Module 1
Trang 18/27
Thch thc
1 Bt n kinh t.
u.
3. Quy m dn s ln.
4. Kh hu nhit i gi ma
im mnh
1.
im yu
2.
1) Vic
gii
quyt
bi
3.
4.
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Mn: NLTHBH
Lp Tc10
Module 1
GII PHP
Trang 19/27
C hi
Thch thc
ng u.
3.Quy m dn s ln.
4.Kh hu nhit i gi ma
km v kh khn.
* O1-S: L hnh lang vng chc -S4- T2: + Thay i cch tip
cho cc doanh nghip t do hot cn khch hng nh truyn
1.Th trng ngy cng
ng theo khun kh php lut.
thng, thay v qung co rm
ln mnh.
=> 1.V pha cc c quan chc r trn cc phng tin thng
2.Kh c sn phm nng:
tin i chng hay cho cc nhn
thay th han ton.
Module 1
GII PHP
Trang 20/27
quyn v li ch chnh ng ca
u n cc khu vc dn c
m bo mi ngi u
Vit Nam:
v tin cy.
tham gia.
S1- T3: : Vi s h tr
him:
cc sn phm bo him c
BH
ngy
mt
hot ng marketing ch yu
thng qua i l thu ht nhiu
khch hng hn.
Do vy m cc doanh nghip nn
tch cc hn na pht trin a
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Mn: NLTHBH
Lp Tc10
Module 1
GII PHP
Trang 21/27
Lp Tc10
Module 1
GII PHP
Trang 22/27
Nh nc c chnh sch khuyn khch ngi dn tham gia bo him nhn th, u
tin pht trin cc sn phm bo him nhn th c tnh cht u t di hn; khuyn
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Mn: NLTHBH
Lp Tc10
Module 1
GII PHP
Trang 23/27
khch cc doanh nghip bo him nghin cu trin khai cc sn phm bo him nng,
lm, ng nghip; ch trng m rng phm vi hot ng n cc vng su, vng xa.
Vic cp php thnh lp cho cc cng ty bo him c vn u t nc ngoi hot
ng ti Vit Nam phi ph hp vi quy m, yu cu pht trin ca th trng, l trnh
hi nhp v cc cam kt quc t. Ch trng n cc cng ty bo him thuc cc nc
c quan h thng mi v u t vi Vit Nam, cc cng ty c nng lc ti chnh,
trnh cng ngh, kinh nghim hot ng bo him v c ng gp vo s pht trin
th trng bo him Vit Nam.
Khuyn khch cc doanh nghip trong nc m rng phm vi hot ng kinh
doanh, k c th trng bo him quc t v khu vc, tham gia gp vn vo cc
cng ty bo him, mi gii bo him, ti bo him ang hot ng thnh cng nc
ngoi v thnh lp cc cng ty con kinh doanh bo him nc ngoi.
Cc doanh nghip to nn tng pht trin bn vng thng qua hon thin m hnh
qun tr doanh nghip theo thng l quc t; pht trin cng ngh thng tin, u t
pht trin ngun nhn lc, pht trin thng hiu.
Ch trng khch hng c nhn, cung cp cc dch v ti chnh kt hp khng nh
thng hiu v cht lng dch v, nng cao nng lc cnh tranh quc t.
Cc cng ty bo him rt cn hp tc vi nhau trong nhiu mt. Thng qua Hip
hi bo him, cc thnh vin c th c nhng tc ng tch cc nhm m rng, nh
hng cho th trng, duy tr s cnh tranh lnh mnh, chng trc li bo him to
iu kin pht trin c li cho ton ngnh.
Tng cng nng lc ti chnh, kh nng cnh tranh trn th trng thng qua kh
nng thanh ton, cng nh m bo cc cam kt i vi ngi tham gia BH
To ra nhiu dch v gia tng ngoi vic c bo him nh c khm cha bnh
ti c s y t v bc s ni ting theo gi u i, c sa cha xe (khng thuc trch
nhim bi thng ca bo him) ti c s uy tn v c gim gi...
Ci cch hnh chnh, n gin ho th tc bn bo him, gim nh tn tht v bi
thng nhanh gn chnh xc
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Mn: NLTHBH
Lp Tc10
Module 1
GII PHP
Trang 24/27
Nhm: tcdn1005ueh34
Mn: NLTHBH
Lp Tc10
Module 1
Trang 25/27
1. http://webbaohiem.net/ki%E1%BA%BFn-th%E1%BB%A9c-chung/1239-lch-s-phattrin.html
2. http://www.vietcapital.com.vn/vi-vn/zone/318/item.cco
3. http://thuvienphapluat.vn/archive/Nghi-dinh/Nghi-dinh-100-CP-kinh-doanh-baohiem-vb38656t11.aspx
4. http://daotaobaohiem.blogspot.com/
5. http://muabaohiemonline.net/index.aspx?
Def=578&ID=996&CateID=509#ixzz1bm7LbNhQ
6. http://www.baoviet.com.vn/insurance/newsdetail.asp?
websiteId=1&newsId=537&catId=199&lang=VN
7. http://webbaohiem.net/th%E1%BB%8B-tr/816-ngun-nhan-lc-cho-nganh-bohim-nhiu-thach-thc.html
8. http://www.baomoi.com/Nhan-su-bao-hiem-van-trong-tinh-trang-cung-thaphon-cau/146/5896142.epi
9. http://www.qlct.gov.vn/Web/Content.aspx?distid=2586&lang=vi-VN
10. http://thongtinphapluatdansu.wordpress.com/2010/09/13/5226/
11. http://www.prulink.com.vn/kien_thuc_unit_link.php#
12. http://www.webbaohiem.net/kinh-doanh/6344-no-ro-nhu-cau-bao-hiem-kethop-dau-tu.html
13. http://www.baomoi.com/Nganh-bao-hiem-doc-suc-voi-cuoc-dua-cong-nghe
14. http://www.webbaohiem.net
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Lp Tc10
Module 1
Trang 26/27
15. http://webbaohiem.net/b%E1%BA%A3o-hi%E1%BA%BBm-v%E1%BB
%9Bi-wto/1234-th-trng-bo-him-vit-nam-vi-vic-gia-nhp-wto.html
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Lp Tc10
Module 1
Trang 27/27
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Mn: NLTHBH
Lp Tc10
Module 1