B TI CHNH TRNG H TI CHNH - MARKETING

NGUYN L THC HNH BO HIM

ti: Phn

tch im sa i trong lut kinh doanh bo him nm 2010

GVHD: TS. H Thy Tin

TpHCM ngy 26 thng 10 nm 2011

insurance
I. S lc v lut kinh doanh bo him nm 2000 III. Kt lun II.Lut sa i, b sung lut KDBH nm 2010

I. S lc v lut kinh doanh bo him nm 2000

Pht trin v hi nhp quc t

Thu ht vn u t nc ngoi

U IM
To ra khun kh php l{ trong lnh vc bo him m bo & nng cao i sng ngi dn

I. S lc v lut kinh doanh bo him nm 2000

Quy m th trng nh Cnh tranh cha lnh mnh Nhn thc v bo him cha cao

Hn ch

Tim nng pht trin ln Sn chi khng bnh ng Quyn li cha c bo v ti u

S ra i ca lut sa i, b sung mt s iu ca lut KDBH

II. Lut sa i, b sung lut KDBH nm 2010

1. Nguyn nhn ra i lut sa i, b sung lut kinh doanh bo him nm 2010

2. Phn tch lut sa i, b sung lut kinh doanh bo him nm 2010

II. Lut sa i, b sung lut KDBH nm 2010

1

Nguyn nhn ra i

- Vit Nam k{ Hip nh thng mi song phng vi Hoa Kz (BTA) - Hin l thnh vin chnh thc ca T chc thng mi th gii (WTO) - B Ti chnh l thnh vin ca Hip hi cc nh qun l{ bo him quc t (IAIS).

II. Lut sa i, b sung lut KDBH nm 2010

1

Nguyn nhn ra i

Do , cc DN kinh doanh bh c nhiu thch thc chng hn nh: Cnh tranh din ra trn quy m rng v gay gt hn Trnh dn tr ngy cng tng s la chn cc doanh nghip bo him ngy cng khc khe hn. Cc doanh nghip bo him nc ngoi hot ng Vit Nam ngy cng tng nn c s cnh tranh khng cn sc.

II. Lut sa i, b sung lut KDBH nm 2010

C 3 Cc sa i, b sung thc hin nhm a cam kt ca Vit Nam gia nhp WTO vn 2. lin quan n 10 sa i, b sung Phn ni dung b Cc lut c lin quan ph hp vi cc tch ti 16 iu, trong Cc sa i b sung nhm nng cao tng s c yu cu qun l nh nc 129 iu

II. Lut sa i, b sung lut KDBH nm 2010

Cc sa i, b sung thc hin cam kt ca Vit Nam gia nhp WTO

2. Phn tch

a.1. V cung cp dch v bo him qua bin gii a.2. Phn loi nghip v bo him a.3. V ti bo him bt buc

II. Lut sa i, b sung lut KDBH nm 2010

Cc sa i, b sung ph hp vi cc lut c lin quan

2. Phn tch

b.1. Sa i qui nh v hnh thc doanh nghip b.2. cc vn lin quan n hp tc u thu v cnh tranh

II. Lut sa i, b sung lut KDBH nm 2010

Cc sa i b sung nhm nng cao yu cu qun l nh nc

2. Phn tch

c.1. V iu kin cp php c.2. V i l bo him c.3. V chc nng qun l{ nh nc

II. Lut sa i, b sung lut KDBH nm 2010

Cc sa i b sung nhm nng cao yu cu qun l nh nc

2. Phn tch

c.4. V quyn li ca ngi c bo him c.5. Sa i cc quy nh phi c B Ti Chnh chp thun

a.1. V cung cp dch v bo him qua bin gii

Theo khon 1, iu 6 lut KDBH nm 2000 iu 6. Nhng nguyn tc c bn trong hot ng BH 1. T chc, c nhn c nhu cu bo him ch c tham gia bo him ti doanh nghip bo him hot ng Vit Nam. Theo K2 1 lut SBS lut KDBH iu 6. Nhng nguyn tc c bn trong hot ng BH 1. T chc, c nhn c nhu cu bo him ch c tham gia bo him ti doanh nghip bo him hot ng ti Vit Nam; doanh nghip c vn u t nc ngoi, ngi nc ngoi lm vic ti Vit Nam c nhu cu bo him c la chn tham gia bo him ti doanh nghip bo him hot ng ti Vit Nam hoc s dng dch v bo him qua bin gii

a.1. V cung cp dch v bo him qua bin gii

Theo iu 105 lut KDBH nm 2000 iu 105. Hnh thc hot ng 1. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c php hot ng ti Vit Nam di cc hnh thc sau y: a) Doanh nghip bo him lin doanh, doanh nghip mi gii bo him lin doanh; b) Doanh nghip bo him 100% vn u t nc ngoi, doanh nghip mi gii bo him 100% vn u t nc ngoi. Theo K12 1 lut SBS lut KDBH iu 105. Hnh thc hot ng 1. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c php hot ng ti Vit Nam di cc hnh thc sau y: a) Cng ty trch nhim hu hn bo him, cng ty trch nhim hu hn mi gii bo him; b) Chi nhnh doanh nghip bo him phi nhn th nc ngoi.

a.1. V cung cp dch v bo him qua bin gii

Theo iu 105 lut KDBH nm 2000 2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c t vn phng i din ti Vit Nam. Vn phng i din khng c kinh doanh bo him ti Vit Nam. Theo K12 1 lut SBS lut KDBH 2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi cung cp dch v bo him qua bin gii theo quy nh ca Chnh ph. 3. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c t vn phng i din ti Vit Nam. Vn phng i din khng c kinh doanh bo him ti Vit Nam.

a.2. Phn loi nghip v bo him

Theo iu 7 lut KDBH nm 2000 iu 7. Cc loi nghip v bo him 1. Bo him nhn th bao gm: a) Bo him trn i; b) Bo him sinh kz; c) Bo him t kz; d) Bo him hn hp; ) Bo him tr tin nh kz; e) Cc nghip v bo him nhn th khc do Chnh ph quy nh. Theo K3 1 lut SBS lut KDBH iu 7. Cc loi nghip v bo him 1. Bo him nhn th bao gm: a) Bo him trn i; b) Bo him sinh kz; c) Bo him t kz; d) Bo him hn hp; ) Bo him tr tin nh kz; e) Bo him lin kt u t; g) Bo him hu tr.

a.2. Phn loi nghip v bo him

Theo iu 7 lut KDBH nm 2000 2. Bo him phi nhn th bao gm: a) Bo him sc kho v bo him tai nn con ngi; b) Bo him ti sn v bo him thit hi; c) Bo him hng ho vn chuyn ng b, ng bin, ng sng, ng st v ng khng; d) Bo him hng khng; ) Bo him xe c gii; e) Bo him chy, n; g) Bo him thn tu v trch nhim dn s ca ch tu; Theo K3 1 lut SBS lut KDBH 2. Bo him phi nhn th bao gm: a) Bo him ti sn v bo him thit hi; b) Bo him hng ho vn chuyn ng b, ng bin, ng thy ni a, ng st v ng hng khng; c) Bo him hng khng; d) Bo him xe c gii; ) Bo him chy, n; e) Bo him thn tu v trch nhim dn s ca ch tu;

a.2. Phn loi nghip v bo him

Theo iu 7 lut KDBH nm 2000 h) Bo him trch nhim chung; i) Bo him tn dng v ri ro ti chnh; k) Bo him thit hi kinh doanh; l) Bo him nng nghip; m) Cc nghip v bo him phi nhn th khc do Chnh ph quy nh. Theo K3 1 lut SBS lut KDBH g) Bo him trch nhim; h) Bo him tn dng v ri ro ti chnh; i) Bo him thit hi kinh doanh; k) Bo him nng nghip.

a.2. Phn loi nghip v bo him

Theo iu 7 lut KDBH nm 2000 Theo K3 1 lut SBS lut KDBH 3. Bo him sc kho bao gm: a) Bo him tai nn con ngi; b) Bo him y t; c) Bo him chm sc sc kho.

a.3. V ti bo him bt buc:

Theo iu 9 lut KDBH nm 2000 iu 9. Ti bo him 1. Doanh nghip bo him c th ti bo him cho cc doanh nghip bo him khc, k c doanh nghip bo him nc ngoi. 2. Trong trng hp ti bo him cho cc doanh nghip bo him nc ngoi, doanh nghip bo him phi ti bo him mt phn trch nhim nhn bo him cho doanh nghip kinh doanh ti bo him trong nc theo quy nh ca Chnh ph. Theo K4 1 lut SBS lut KDBH iu 9. Ti bo him Doanh nghip bo him c th ti bo him cho doanh nghip bo him khc, bao gm c doanh nghip bo him nc ngoi, t chc nhn ti bo him nc ngoi. Doanh nghip bo him nc ngoi, t chc nhn ti bo him nc ngoi phi t h s tn nhim theo xp hng ca cng ty nh gi tn nhim quc t do B Ti chnh quy nh

b.1. Sa i qui nh v hnh thc doanh nghip:

Theo iu 59 lut KDBH nm 2000 iu 59. Cc loi hnh doanh nghip bo him Cc loi hnh doanh nghip bo him bao gm: 1. Doanh nghip bo him nh nc; 2. Cng ty c phn bo him; 3. T chc bo him tng h; 4. Doanh nghip bo him lin doanh; 5. Doanh nghip bo him 100% vn u t nc ngoi. Theo K7 1 lut SBS lut KDBH iu 59. Cc t chc kinh doanh bo him Cc t chc kinh doanh bo him bao gm: 1. Cng ty c phn bo him; 2. Cng ty trch nhim hu hn bo him; 3. Hp tc x bo him; 4. T chc bo him tng h

b.2. cc v/ l/quan n h/tc u thu v cnh tranh

Theo iu 10 lut KDBH nm 2000 iu 10. Hp tc v cnh tranh trong kinh doanh bo him 1. Doanh nghip bo him, i l{ bo him, doanh nghip mi gii bo him c hp tc v cnh tranh hp php trong kinh doanh bo him. Theo K5 1 lut SBS lut KDBH iu 10. Hp tc, cnh tranh v u thu trong kinh doanh bo him 1. Doanh nghip bo him, doanh nghip mi gii bo him c hp tc trong vic ti bo him, ng bo him, gim nh tn tht, gii quyt quyn li bo him, phng v hn ch tn tht, pht trin ngun nhn lc, pht trin sn phm bo him, o to v qun l{ i l{ bo him, chia s thng tin qun tr ri ro.

b.2. cc v/ l/quan n h/tc u thu v cnh tranh

Theo iu 10 lut KDBH nm 2000 2. Nghim cm cc hnh vi sau y: a) Thng tin, qung co sai s tht v ni dung, phm vi hot ng, iu kin bo him lm tn hi n quyn, li ch hp php ca bn mua bo him; Theo K5 1 lut SBS lut KDBH 2. Doanh nghip bo him c cnh tranh v iu kin, phm vi, mc trch nhim, mc ph, cht lng dch v, nng lc bo him v nng lc ti chnh.

b.2. cc v/ l/quan n h/tc u thu v cnh tranh

Theo iu 10 lut KDBH nm 2000 b) Tranh ginh khch hng di cc hnh thc ngn cn, li ko, mua chuc, e da nhn vin hoc khch hng ca doanh nghip bo him, i l{ bo him, doanh nghip mi gii bo him khc; c) Khuyn mi bt hp php; d) Cc hnh vi cnh tranh bt hp php khc. Theo K5 1 lut SBS lut KDBH Vic cnh tranh phi theo quy nh ca php lut v cnh tranh v bo m an ton ti chnh ca doanh nghip bo him; mc ph bo him phi ph hp vi iu kin, phm vi, mc trch nhim bo him.

b.2. cc v/ l/quan n h/tc u thu v cnh tranh

Theo iu 10 lut KDBH nm 2000 Theo K5 1 lut SBS lut KDBH 3. D n s dng vn nh nc, ti sn thuc s hu nh nc hoc ca doanh nghip nh nc phi thc hin u thu v iu kin, phm vi, mc trch nhim, mc ph, cht lng dch v, nng lc bo him v nng lc ti chnh ca doanh nghip bo him. Vic u thu phi bo m cng khai, minh bch theo quy nh ca Lut ny v php lut v u thu.

b.2. cc v/ l/quan n h/tc u thu v cnh tranh

Theo iu 10 lut KDBH nm 2000 Theo K5 1 lut SBS lut KDBH 4. Nghim cm cc hnh vi sau y: a) Cu kt gia cc doanh nghip bo him hoc gia doanh nghip bo him vi bn mua bo him nhm phn chia th trng bo him, khp kn dch v bo him; b) Can thip tri php lut vo vic la chn doanh nghip bo him; c) Li dng chc v, quyn hn ch nh, yu cu, p buc, ngn cn t chc, c nhn tham gia bo him;

b.2. cc v/ l/quan n h/tc u thu v cnh tranh

Theo iu 10 lut KDBH nm 2000 Theo K5 1 lut SBS lut KDBH d) Thng tin, qung co sai s tht v ni dung, phm vi hot ng, iu kin bo him, lm tn hi n quyn, li ch hp php ca bn mua bo him; ) Tranh ginh khch hng di cc hnh thc ngn cn, li ko, mua chuc, e da nhn vin hoc khch hng ca doanh nghip bo him, i l{ bo him, doanh nghip mi gii bo him khc; e) Khuyn mi bt hp php; g) Hnh vi bt hp php khc trong h.tc, c.tranh v .thu

c.1. V iu kin cp php

Theo iu 63 lut KDBH nm 2000 iu 63. iu kin c cp giy php thnh lp v hot ng Cc iu kin c cp giy php thnh lp v hot ng bao gm: 1. C s vn iu l gp khng thp hn mc vn php nh theo quy nh ca Chnh ph; 2. C h s xin cp giy php thnh lp v hot ng theo quy nh ti iu 64 ca Lut ny; Theo K8 1 lut SBS lut KDBH

c.1. V iu kin cp php

Theo iu 63 lut KDBH nm 2000 3. C loi hnh doanh nghip v iu l ph hp vi quy nh ca Lut ny v cc quy nh khc ca php lut; 4. Ngi qun tr, ngi iu hnh c nng lc qun l{, chuyn mn, nghip v v bo him. Theo K8 1 lut SBS lut KDBH 5. T chc, c nhn tham gia gp vn thnh lp doanh nghip bo him, doanh nghip mi gii bo him phi c nng lc ti chnh v c bng chng chng minh ngun ti chnh hp php khi tham gia gp vn thnh lp doanh nghip bo him

c.2. V i l bo him
Theo im c khon 1 iu 86 lut KDBH nm 2000 c) C chng ch o to i l bo him do DNBH hoc hip hi bo him Vit Nam cp. l 1 trong nhng iu kin hot ng i l bo him Theo K10 1 lut SBS lut KDBH c) C Chng ch i l{ bo him do c s o to c B Ti chnh chp thun cp B ti chnh qui nh v chng trnh,ni dung,hnh thc o to,vic cp chng ch i l bo him.

c.2. V i l bo him
Theo iu 127 lut KDBH nm 2000 iu 127. Quy nh i vi doanh nghip bo him, doanh nghip mi gii bo him, vn phng i din c thnh lp, hot ng; hp ng bo him c giao kt trc ngy Lut ny c hiu lc 1. Doanh nghip bo him, doanh nghip mi gii bo him thnh lp v hot ng theo quyt nh thnh lp, giy php thnh lp, giy php u t, giy chng nhn tiu chun v iu kin Theo K16 1 lut SBS lut KDBH iu 127. Quy nh i vi doanh nghip bo him, doanh nghip mi gii bo him, vn phng i din c thnh lp, hot ng; hp ng bo him c giao kt trc ngy Lut ny c hiu lc 1. Doanh nghip bo him, doanh nghip mi gii bo him thnh lp v hot ng theo quyt nh thnh lp, giy php thnh lp, giy php u t, giy chng nhn tiu chun v iu kin

c.2. V i l bo him
Theo iu 127 lut KDBH nm 2000 hot ng kinh doanh bo him; vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi hot ng theo giy php t vn phng i din cp trc ngy Lut ny c hiu lc thi hnh khng phi thc hin cc th tc xin cp li giy php. Theo K16 1 lut SBS lut KDBH hot ng kinh doanh bo him; vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi hot ng theo giy php t vn phng i din cp trc ngy Lut ny c hiu lc thi hnh khng phi thc hin cc th tc xin cp li giy php.

c.2. V i l bo him
Theo iu 127 lut KDBH nm 2000 2. Cc hp ng bo him giao kt trc ngy Lut ny c hiu lc vn c tip tc thc hin theo quy nh ca php lut ti thi im giao kt hp ng. Theo K16 1 lut SBS lut KDBH 2. Cc hp ng bo him giao kt trc ngy Lut ny c hiu lc vn c tip tc thc hin theo quy nh ca php lut ti thi im giao kt hp ng. 3. Chng ch o to i l{ bo him c cp trc ngy Lut ny c hiu lc vn c gi tr s dng, khng phi lm th tc chuyn i thnh Chng ch i l{ bo him.

c.3. V chc nng qun l{ nh nc

Theo khon 4 iu 120 lut KDBH nm 2000 iu 120. Ni dung qun l{ nh nc v kinh doanh bo him 4. p dng cc bin php cn thit doanh nghip bo him bo m cc yu cu v ti chnh v thc hin nhng cam kt vi bn mua bo him; Theo K14 1 lut SBS lut KDBH iu 120. Ni dung qun l{ nh nc v KDBH 4. Gim st hot ng kinh doanh bo him thng qua hot ng nghip v, tnh hnh ti chnh, qun tr doanh nghip, qun tr ri ro v vic chp hnh php lut ca doanh nghip bo him, doanh nghip mi gii bo him; p dng cc bin php cn thit doanh nghip bo him bo m cc yu cu v ti chnh v thc hin nhng cam kt vi bn mua bo him

c.3. V chc nng qun l{ nh nc

Theo iu 122 lut KDBH nm 2000 iu 122. Thanh tra hot ng kinh doanh bo him 1. Vic thanh tra hot ng ca doanh nghip kinh doanh bo him phi c thc hin ng chc nng, ng thm quyn v tun th quy nh ca php lut. Vic thanh tra v ti chnh c thc hin khng qu mt ln trong mt nm i vi mt doanh nghip. Thi hn thanh tra ti a khng qu 30 ngy, trong trng hp c bit thi hn thanh tra c gia hn Theo K15 1 lut SBS lut KDBH iu 122. Thanh tra chuyn ngnh kinh doanh bo him 1. C quan qun l{ nh nc v kinh doanh bo him thc hin chc nng thanh tra chuyn ngnh kinh doanh bo him. 2. T chc v hot ng ca thanh tra chuyn ngnh kinh doanh bo him theo quy nh ca Lut ny v php lut v thanh tra.

c.3. V chc nng qun l{ nh nc

Theo iu 122 lut KDBH nm 2000 theo quyt nh ca c quan cp trn c thm quyn, nhng thi gian gia hn khng c qu 30 ngy. Vic thanh tra bt thng ch c thc hin khi c cn c v s vi phm php lut ca doanh nghip. 2. Khi tin hnh thanh tra phi c quyt nh ca ngi c thm quyn; khi kt thc thanh tra phi c bin bn kt lun thanh tra. Trng on thanh tra chu trch nhim v ni dung bin bn v kt lun Theo K15 1 lut SBS lut KDBH

c.3. V chc nng qun l{ nh nc

Theo iu 122 lut KDBH nm 2000 thanh tra. 3. Ngi ra quyt nh thanh tra khng ng php lut hoc li dng thanh tra v li, sch nhiu, gy phin h cho hot ng ca doanh nghip th tuz theo mc vi phm m b x l{ k lut hoc b truy cu trch nhim hnh s; nu gy thit hi th phi bi thng cho doanh nghip theo quy nh ca php lut. Theo K15 1 lut SBS lut KDBH

c.4.1 V thi im pht sinh trch nhim bo him

Theo iu 15 lut KDBH nm 2000 iu 15. Thi im pht sinh trch nhim bo him Trch nhim bo him pht sinh khi hp ng bo him c giao kt hoc khi c bng chng doanh nghip bo him chp nhn bo him v bn mua bo him ng ph bo him, tr trng hp c tho thun khc trong hp ng bo him. Theo K6 1 lut SBS lut KDBH iu 15. Thi im pht sinh trch nhim bo him Trch nhim bo him pht sinh khi c mt trong nhng trng hp sau y: 1. Hp ng bo him c giao kt v bn mua bo him ng ph bo him;

c.4.1 V thi im pht sinh trch nhim bo him

Theo iu 15 lut KDBH nm 2000 Theo K6 1 lut SBS lut KDBH 2. Hp ng bo him c giao kt, trong c tha thun gia doanh nghip bo him v bn mua bo him v vic bn mua bo him n ph bo him; 3. C bng chng v vic hp ng bo him c giao kt v bn mua bo him ng ph bo him.

c.4.2. B.V ngi c BH trong TH DNBH gp kh khn

Theo iu 97 lut KDBH nm 2000 iu 97. Qu d tr
1. Doanh nghip bo him, doanh nghip mi gii bo him phi lp qu d tr bt buc b sung vn iu l v bo m kh nng thanh ton. Qu d tr bt buc c trch hng nm theo t l 5% li nhun sau thu. Mc ti a ca qu ny do Chnh ph quy nh.

Theo K11 1 lut SBS lut KDBH iu 97. Qu d tr v Qu bo v ngi c bo him

c.4.2. B.V ngi c BH trong TH DNBH gp kh khn

Theo iu 97 lut KDBH nm 2000 2. Ngoi qu d tr bt buc quy nh ti khon 1 iu ny, doanh nghip bo him, doanh nghip mi gii bo him c th lp cc qu d tr khc t li nhun sau thu ca nm ti chnh theo quy nh trong iu l ca doanh nghip bo him, doanh nghip mi gii bo him. Theo K11 1 lut SBS lut KDBH

c.4.2. B.V ngi c BH trong TH DNBH gp kh khn

Theo iu 97 lut KDBH nm 2000 Theo K11 1 lut SBS lut KDBH 3. Qu bo v ngi c bo him c thnh lp bo v quyn li ca ngi c bo him trong trng hp doanh nghip bo him ph sn hoc mt kh nng thanh ton. Ngun lp Qu bo v ngi c bo him c trch lp theo t l phn trm trn ph bo him p dng i vi tt c hp ng bo him. Chnh ph quy nh vic trch lp v qun l{, s dng Qu bo v ngi c bo him.

c.5. Sa i cc quy nh phi c B Ti Chnh chp th

Theo khon 1 iu 69 lut KDBH nm 2000 iu 69. Nhng thay i phi c chp thun 1. Doanh nghip bo him phi c B Ti chnh chp thun bng vn bn khi thay i mt trong nhng ni dung sau y: a) Tn doanh nghip; b) Vn iu l; c) M hoc chm dt hot ng ca chi nhnh, vn phng i din; d) a im t tr s chnh, chi nhnh, vn phng i din; Theo K9 1 lut SBS lut KDBH iu 69. Nhng thay i phi c chp thun 1. Doanh nghip bo him phi c B Ti chnh chp thun bng vn bn khi thay i mt trong nhng ni dung sau y: a) Tn doanh nghip; b) Vn iu l; c) M hoc chm dt hot ng ca chi nhnh, vn phng i din; d) a im t tr s chnh, chi nhnh, vn phng i din;

c.5. Sa i cc quy nh phi c B Ti Chnh chp th

Theo khon 1 iu 69 lut KDBH nm 2000 ) Ni dung, phm vi v thi hn hot ng; e) Chuyn nhng c phn, phn vn gp chim 10% s vn iu l tr ln; g) Ch tch Hi ng qun tr, Tng gim c (Gim c); h) Chia, tch, sp nhp, hp nht, gii th, chuyn i hnh thc doanh nghip. Theo K9 1 lut SBS lut KDBH ) Ni dung, phm vi v thi hn hot ng; e) Chuyn nhng c phn, phn vn gp chim 10% s vn iu l tr ln; g) Ch tch Hi ng qun tr, Tng gim c (Gim c), chuyn gia tnh ton; h) Chia tch, sp nhp, hp nht, gii th, chuyn i hnh thc doanh nghip, u t ra nc ngoi.

III. Kt lun

Sau hn 10 nm ban hnh lut KDBH nm 2000, th trng BH Vit Nam c nhng thnh tu ng k, c bit trong giai on 2006-2010. vi vic gia nhp WTO cc cng ty BH Vit Nam khng nh nng lc cnh tranh ca mnh, vic hi nhp v c s tham gia ca cc cng ty BH nc ngoi vo th trng Vit Nam buc cc cng ty BH Vit Nam phi ch ng tm kim khch hng, nng cao hiu qu phc v khch hng tt hn vi hng lot nhng sn phm a dng phong ph.

III. Kt lun

Vai tr ca chnh ph trn th trng ngy cng r nt thng qua ban hnh kp thi cc quy nh lm c s php l{ cho vic iu chnh cc hot ng ca cc ch th tham gia th trng m chnh ph ra v im nhn l s ra i ca lut sa i b sung lut KDBH nm 2010. c th ni th trng BH Vit Nam thc hin tt vai tr l tm l chn hu hiu ca nn kinh t ng thi l mt cng c huy ng v u t vn hiu qu.