6 NHM GII PHP: Hin trn th trng bo him c 57 doanh nghip, trong g m 29 doanh nghi p b o him phi nhn

n th, 14 doanh nghip bo him nhn th, 12 doanh nghip mi gi i bo him v 2 doanh nghip ti bo him Ring tng doanh thu ph bo him 6 thng u nm 2012 c t 20.459 t ng, tng 17,84% so vi cng k nm 2011. Nhm pht trin th trng bo him v thc hin c hiu qu mc tiu pht trin th trng bo him, ngy 18/9/2012, B trng B Ti chnh ban hnh Quyt nh 2330/Q-BTC ph duyt 6 nhm gii php ch o lm cn c trin khai thc hin cho giai on 2011-2015 gm: Hon thin h thng php lut trong lnh vc kinh doanh bo him T chc nghin cu sa i, b sung hoc ban hnh mi cc vn bn quy phm php lut nhm m bo tnh y , ng b, nht qun gia cc quy nh; hng dn kp thi cc quy nh mi ti Lut sa i, b sung mt s iu ca Lut Kinh doanh bo him (c hiu lc t 1/7/2012); tho g cc kh khn, vng mc ca doanh nghip kinh doanh bo him trong qu trnh trin khai v ph hp hn vi thc tin; m bo thc hin hiu qu cc cam kt quc t trong lnh vc kinh doanh bo him m Vit Nam l thnh vin; t ng bc ph hp vi chun mc v thng l qun l, gim st bo him quc t. Trong qu trnh xy dng v hon thin cc d n sa i, b sung, ban hnh mt s Lut thu theo Ngh quyt s 20/2011/QH13 ngy 26/11/2011 ca Quc hi v Chng trnh xy dng lut, php lnh ca Quc hi nhim k kho XIII v Ngh quyt s 23/2012/QH13 ngy 12/6/2012 ca Quc hi v Chng trnh xy dng Lut, Php lnh nm 2013, iu chnh Chng trnh xy dng Lut, Php lnh nm 2012 v nhim k Quc hi kho XIII, nghin cu sa i, b sung v ban hnh mi cc quy nh v thu lin quan n lnh vc kinh doanh bo him theo hng ng b v nht qun; gi m thi u th t c hnh chnh, ph hp hn vi thng l quc t nhm gp phn tng tnh cnh tranh ca ngnh bo him Vit Nam so vi cc nc trong khu vc v cc nc c iu kin t ng ng vi Vit Nam; tip tc nghin cu xy dng c ch khuyn khch cc t ch c, c nhn hot ng trong lnh vc nng, lm, ng nghip v ngi c thu nhp th p tham gia bo him. Nng cao tnh an ton h thng, hiu qu hot ng v nng l c c nh tranh c a cc doanh nghip bo him Trn c s nh hng ca ng, Nh nc v Chnh ph v ti cu trc th trng ti chnh, t chc trin khai thc hin c hiu qu vic ti c cu cc doanh nghip bo him theo hng kin ton m hnh t chc hot ng ca cc doanh nghip hot ng yu km, khng hiu qu; tng bc nng cao nng lc ti chnh, cht lng dch v, kh nng qun tr iu hnh v nng lc cnh tranh ca cc doanh nghip bo hi m theo chu n mc v thng l quc t. Nghin cu xy dng v hon thin c ch, chnh sch h tr v khuy n khch cc doanh nghip bo him a dng ho danh mc u t, dn tri ri ro, nng cao hiu qu ho t ng u t v tnh an ton ngun vn u t, m bo nht qun v ng b vi cc mc tiu, gii php c xc nh ti Chin lc pht trin th tr ng ch ng khon Vi t

Nam giai on 2011-2020, n pht trin th trng vn Vit Nam n nm 2010 v t m nhn n nm 2020 v cc k hoch, l trnh thc hin cc vn bn ny. Ch ng phi hp c hiu qu vi Ngn hng Nh nc trong vic chia s thng tin xy dng c ch chnh sch c lin quan n lnh vc kinh doanh bo him, thng tin v qun l iu hnh cc doanh nghip bo him trc thuc cc tp on ti chnh - ngn hng trn c s Quy ch phi hp cng vic gia B Ti chnh v Ngn hng Nh nc Vit Nam c k kt ngy 29/2/2012. Xo b hin tng khp kn, chia ct th trng bo him thng qua vic hon thin c ch, chnh sch v cnh tranh bnh ng gia cc doanh nghip bo him c v n gp c a Tp on, Tng cng ty nh nc v cc doanh nghip bo him khc; tng cng qun l, gim st, x l nghim cc biu hin vi phm c ch cnh tranh bnh ng. Phi h p r sot, nh gi hiu qu phn vn gp ca cc Tp on, Tng Cng ty nh nc ti cc doanh nghip bo him nhm tip tc gim t l gp vn ca cc Tp on, Tng Cng ty nh nc theo ng mc tiu, gii php c xc nh ti n ti c c u doanh nghip nh nc, trng tm l tp on kinh t, tng cng ty nh n c giai o n 20112015 v Chng trnh hnh ng thc hin cc ni dung ca n ny ( c Th tng Chnh ph ph duyt ti Quyt nh s 929/Q-TTg ngy 17/7/2012). T chc nh gi, phn loi cht lng ngun nhn lc ca th trng bo him; hon thin cc quy nh v tiu chun, iu kin ca tng v tr. Xy dng c ch ki m sot hiu qu cng tc t chc o to v cht lng cn b c o to p ng tiu chun t ra. Khuyn khch, h tr cc doanh nghip pht trin v a dng ha s n ph m b o him R sot sa i, b sung v ban hnh mi cc quy nh v ph chun s n ph m b o hi m theo hng n gin ho th tc hnh chnh, cho php cc doanh nghip bo him tn dng kp thi c hi trin khai, bo m mt bng chung ti thiu gia doanh nghip b o him nhn th v phi nhn th khi trin khai cng mt loi hnh bo him sc kho v tng tnh hp dn, kh nng cnh tranh ca cc sn phm bo him so v i cc s n phm ti chnh thay th khc (c bit l cc sn phm bo him lin kt u t). Tch cc ch o, phi hp vi cc n v lin quan trin khai thc hin hiu qu cc chng trnh th im cc loi hnh bo him c Nh nc h tr (bo him nng nghip, bo him tn dng xut khu); ch ng tng hp, nghin cu, xut cc gii php tho g kh khn, vng mc kp thi cho doanh nghip bo him v ng i tham gia bo him trong qu trnh trin khai th im. Tng kt, nh gi qu trnh trin khai th im v xut cc gii php h tr pht trin cc loi hnh bo him ny cho giai o n tip theo. R sot, sa i, b sung cc ch bo him bt buc v trch nhim dn s c a ch xe c gii v chy, n cho ph hp hn vi iu kin v th c ti n pht tri n kinh t . Xy dng v ban hnh quy tc, iu khon, biu ph v bo him bt buc trch nhim ngh nghip mi gii bo him theo quy nh ti Lut Kinh doanh bo him v cc vn b n hng dn thi hnh. a dng v chuyn nghip ha cc knh phn phi bo him

Nghin cu ban hnh cc quy nh mi nhm chun ha cht lng ngun nhn lc ca doanh nghip mi gii bo him; chun ho chng trnh o to v chng ch mi gii ph hp vi c th ca loi hnh sn phm bo him c thu xp qua mi gii. Hon thin cc quy nh v chun ho chng trnh o to i l bo him v iu kin, tiu chun ca cc t chc o to i l bo him. T chc kim sot cht ch cng tc o to, thi v cp chng ch i l bo him. Tng cng kim tra, gim st vic s dng i l ca cc doanh nghip bo him. Tng cng hiu qu qun l ca nh nc v kinh doanh bo him Xy dng h thng qun l, gim st t xa hiu qu; tng cng thc hin qun l, gim st cc doanh nghip bo him trn c s h thng ch tiu gim st v vi c thanh tra, ki m tra, x l vi phm theo php lut. Chun ho trnh i ng cn b ca c quan qun l nh nc v kinh doanh bo him, b tr s lng cn b p ng s pht trin ca th trng bo hi m. Xy d ng c ch thu ht v i ng cn b hp l, c bit l cc cn b lm vic trong cc lnh vc c th nh tnh ton bo him. y mnh hp tc quc t v hi nhp trong lnh vc bo him Xy dng l trnh v phng n m phn trong lnh vc kinh doanh bo hi m i v i tng Hip nh thng mi song phng hoc a phng nhm m bo li ch c a Vi t Nam trong qu trnh hi nhp kinh t quc t, m bo nguyn tc cam k t ngang bng (khng vt qu) cc cam kt c ca Vit Nam trong WTO. Tng cng theo di, gim st thc hin qu trnh hi nhp quc t, nh gi tc ng c a vic hi nhp v kp thi iu chnh c ch, chnh sch hp l, h n ch t i a cc tc ng tiu cc ca qu trnh ny. Ch ng, tch cc tham gia Din n cc c quan qun l bo him ng Nam v Hi p hi quc t ca cc c quan qun l bo him; r sot, nh gi vic tun th cc nguyn tc v qun l, gim st do Hip hi quc t ca cc c quan qun l bo him ra, trn c s xy dng v hon thin c ch chnh sch v kinh doanh bo him nhm tun th hon ton 50% s lng cc nguyn tc ny. a dng ho ni dung, hnh thc v cc i tc hp tc quc t, g n h p tc qu c t v i yu cu cng tc qun l, gim st th trng bo him; nng cao hiu qu s dng cc ngun h tr ti chnh v k thut trong lnh vc kinh doanh bo him t cc i tc quc t.

TNG QUAN TH TRNG BO HIM: Th trng bo him Vit Nam, nhng nm gn y c tc tng trng mnh m, cc sn phm bo him ngy cng a dng, cht lng dch v c nng cao r rt. Tuy nhin, s pht trin thng bao gi cng ko theo nhiu iu bt cp, i hi cc cng ty bo him phi c nhng chin lc c th tn ti v pht trin. Tng quan th trng bo him Vit Nam

Vit Nam sau 15 nm m ca th trng, nn kinh t c nhng bin chuyn mnh m. Th trng bo him Vit Nam ni chung v lnh vc bo him phi nhn th ni ring cng ngy cng c m rng vi s tham gia rng ri ca cc thnh phn kinh t vo vic kinh doanh dch v bo him. Tnh n nay, Vit Nam c 28 doanh nghip bo him phi nhn th, 11 doanh nghip bo him nhn th, 10 doanh nghip mi gii bo him hot ng. Ngoi ra cn c s hin din ca hn 33 vn phng i din ca cc cng ty bo him v cng ty mi gii bo him nc ngoi. Rt nhiu loi sn phm bo him bo him nhn th v phi nhn th lin quan ti bo him con ngi, bo him ti sn v bo him trch nhim c cng ty trin khai cung cp cho khch hng p ng phn no nhu cu phong ph, a dng ca ngi tham gia bo him v to c s la chn mang tnh cnh tranh cho khch hng. Tc tng trng bnh qun hng nm ca th trng bo him Vit Nam, nht l trong thi gian 5 nm gn y tng khong 22%, (theo bo co nh gi ca Hip hi bo him Vit Nam) cho thy th mnh v bc t ph ln ca ngnh bo him Vit Nam. Nng lc ti chnh ca cc doanh nghip bo him tng mnh thng qua vn ch s hu v d phng nghip v lm cho kh nng thanh ton v mc gi li ca tng doanh nghip bo him nng ln r rt, tng kh nng nhn ti bo him t to ra ngun vn ln u t li cho nn kinh t quc dn. Hot ng u t ca cc Doanh nghip bo him ngy cng khng nh vai tr ca mnh. y thc s l mt knh huy ng vn quan trng, phc v cho vic pht trin kinh t - x hi ca t nc. C cu vn u t chuyn mnh t u t ngn hn v ch yu l gi ti cc t chc tn dng nay chuyn sang u t di hn theo cc danh mc u t nh: mua tri phiu chnh ph, u t trc tip cc kt cu h tng, pht trin sn xut kinh doanh v phc v i sng. Song song cng vi s pht trin v s lng cc doanh nghip bo him cng nh s m rng quy m hot ng, s lng ngi lm vic trong ngnh bo him cng tng ln ng k, to cng n vic lm cho hn 14.000 cn b, nhn vin v trn 140.000 i l bo him. Nhng yu t to cho s pht trin th trng bo him Vit Nam C rt nhiu yu t dn n s pht trin mnh m ca th trng bo him Vit Nam nhng nm gn y. l do s n nh v chnh tr, kinh t cng nh chnh sch m ca lm cho Vit Nam tr thnh th trng hp dn i vi cc nh u t nc ngoi t lm gia tng v thu ht nhiu hn vn u t phc v pht trin kinh t. Thm na, Chnh ph c nhng gii php thch hp gip nn kinh t nc nh vt qua nhng bc thng trm ca cuc khng hong kinh t, to iu kin cho thu nhp ca ngi dn c ci thin t thc y nhu cu bo him. Mi trng php l cho hot ng kinh doanh bo him cng ngy cng c hon thin, ph hp vi chun mc quc t, to ra hnh lang vng chc cho cc doanh nghip t do hot ng theo khun kh php lut; c bit th trng ti chnh Vit Nam pht trin khng ngng vi s tham gia ca cc t chc ti chnh tn dng trong v ngoi nc tc ng khng nh ti th trng bo him ni ring. Mt khc, do tnh cht khc nghit ca vic cnh tranh ngy cng gay gt, buc cc cng ty bo him phi ch ng xy dng chin lc kinh doanh ph hp, m rng mng li phn phi v iu quan trng l nh thc nhu cu bo him t ngi dn thng qua vic

nng cao cht lng dch v gim nh v gii quyt bi thng. Ngy nay, bo him khng cn l t qu xa l vi cng ng x hi. Ngi dn bt u nhn thc y vai tr v tm quan trng ca bo him i vi cuc sng cng ng v cuc sng c nhn. Chnh s tng tc ny lm cho ming bnh th phn bo him c m rng ch khng b thu hp, co cm nh thi gian trc . ng thi ca cc doanh nghip bo him Vit Nam Trong thi gian ti, giai on t 2010-2015, th trng bo him Vit Nam vn s tip tc pht trin v bin chuyn khng ngng. iu m ra nhiu c hi v thch thc cho cc doanh nghip bo him Vit Nam. Gn y vic u t trc tip t nc ngoi v u t trong nc pht trin nhanh chng, ko theo ngnh BH cng pht trin, nht l 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 BH xy dng lp t, BH ti sn, BH k thut, BH trch nhim pht trin. X hi pht trin, l trnh c phn ha l iu tt yu. Ch s hu t nhn buc ch doanh nghip mun bo ton vn v ti sn trc mi ri ro phi ngh ti nhu cu cn c BH. Php lut ngy cng hon thin v mang tnh tng thch vi nhau nhm bo v quyn v li ch chnh ng ca ngi tiu dng, ca DN ngy mt tt hn cng khin nhu cu BH pht sinh nh: BH trch nhim ngh nghip bc s, lut s, t vn thit k; BH ti sn; BH ri ro ti chnh; BH trch nhim sn phm ca cc t chc sn xut, kinh doanh; BH trch nhim dn s ca cc ch doanh nghip Lut KDBH s c sa i, b sung, tng cng hiu lc qun l nh nc, pht huy tnh ch ng, sng to ca DNBH, bo v quyn v li ch chnh ng ca ngi tham gia BH l mi trng thun li th trng BH pht trin. Tng lp dn c c thu nhp cao ngy cng ng o, bao gm gii ch DN t nhn, cc chuyn gia gii trong DNVN v DN c vn u t nc ngoi, cc ch h kinh doanh, cc ch trang tri u c nhu cu BH Nhn th cho mnh v ngi thn. Bn cnh cng phi k n cng tc tuyn truyn ca ngnh BH ngy mt rng ri khin nhn thc ca ngi dn v BH cng thay i. Thun li th nhiu song kh khn v th cng khng t. Do s lng cc DNBH c cp php hot ng ngy mt gia tng. Cc t chc, c nhn trong v ngoi nc nu iu kin, tho lut nh u c quyn xin php thnh lp DNBH, trong c cc DNBH nc ngoi theo ng cam kt WTO. iu ny lm cho mi trng bo him vn c s cnh tranh gay gt nay cng gay gt hn, c bit ngun nhn lc lun b xo trn bi s tro ko ca cc DNBH mi. DNBH hot ng nc ngoi c cung cp mt s sn phm BH qua bin gii (vo Vit Nam): y l iu ng lo ngi trong cuc cnh tranh khng cn sc i vi cc DNBH ang hot ng ti Vit Nam (DNVN, lin doanh, 100% vn nc ngoi). Trc ht, h khng th bit c thng tin v i th cnh tranh ca h (DNBH ang hot ng nc ngoi) c th l ai ang bn sn phm BH vo Vit Nam. Th hai, v kh ca i th ang s dng l loi g khng c bit r: n BH, iu khon BH, iu kin BH, ph BH nh th no? Th ba, DNBH ang hot ng ti Vit Nam phi ng thu cho ngn sch nh nc nh thu VAT, thu thu nhp doanh nghip, thu mn bi, thu s dng t hot ng kinh doanh c doanh thu t Vit Nam, trong khi i th khng b ng gp cc khon thu trn. Trong mt cuc chin, Bit ch bit ta, trm trn trm thng. DNBH ang hot ng nc ngoi bit rt r DNBH ang hot ng ti Vit

Nam, song DNBH ang hot ng ti Vit Nam li khng bit g v DNBH ang hot ng ti nc ngoi. y thc s l kh khn v thch thc ln.