09/08/2012

Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ? Monday, 30 January 2012 09:05 PHN 2: 5. Kinh nghim ca mt s cng ty trn th gii: a. Kinh nghim ca Allianz [2]: - Tha thun hp tc gia ngn hng v cng ty bo him khng ng vai tr quan trng i vi thnh cng ca bancassurance; - Bancassurance c th tn ti song hnh cng vi knh phn phi qua i l v c hai knh phn phi c th cng thnh cng; - S ng h tch cc ca Tng gim c (Gim c) ngn hng v cng ty bo him ng vai tr cc k quan trng; - C Gim c bn l- ngi am hiu v cam kt i vi vic bn l v cc dch v ti chnh ch khng n thun ch cc dch v bn hng- thc thi hot ng bancassurance; - Ngn hng chp nhn vic bn cc dch v ti chnh v vn ho dch v, ch khng n thun ch ng vai tr mt ngn hng; - Phn ln nhn vin ngn hng tham gia vo vic tm kim c hi, gii thiu khch hng tim nng ch khng ch vi t cch ngi c giao bn hng; - C chng trnh o to thng xuyn, cht lng cao cho cc nhn vin bn hng tham d v vn dng nhng iu hc; - C nhng quy nh h tr cho hot ng bancassurance; - Vic o to v cc quy trnh cn c iu chnh ph hp vi hot ng kinh doanh hng ngy ca ngn hng. b. Kinh nghim ca Prudential UK [5]: Knh phn phi bancassurance c thc hin bi: (1) cc chuyn gia t vn ti chnh, (2) nhn vin ngn hng, (3) direct marketing/telemarketing, (4) marketing doanh nghip.
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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

C th: (1) Cc chuyn gia t vn ti chnh bn cc sn phm c li nhun cao v thng c nng sut khai thc cao. Cc chuyn gia ti chnh trc tip bn bo him ti cc ngn hng.

(2) Nhn vin ngn hng c th trc tip bn cc sn phm bo him n gin.

(3) Direct marketing/telemarketing: Thc hin bn bo him i vi nhng khch hng hin ti ca ngn hng.

(4) Marketing doanh nghip

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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

c. Nhng bi hc tht bi: Rt nhiu m hnh bancassurance trn th gii thnh cng; tuy nhin cng c nhiu m hnh tht bi. Cc nguyn nhn dn ti s tht bi ca bancassurance c th l: - Cc bn xc nh tm nhn, mc tiu khng r rng; - M hnh hot ng khng hiu qu; - Cc i tc khng c kh nng b tr nng lc cho nhau; - Thiu s cam kt t cp lnh o cao nht; - Thiu u t cho hot ng; - C s mu thun ni b m hnh hp tc; - Thiu cc bin php khuyn khch ph hp. Theo Allen J PathMarajah [2], mt trong nhng nguyn nhn ca tht bi ca bancassurance l do ngn hng v cng ty BHNT thuc v hai th gii khc nhau. Hot ng bo him i hi phi thc hin bn hng trong khi ngn hng c th cha c y vn ha bn hng, vn ha phc v. d. Nhng ri ro: Hot ng bancassurance c th bao hm nhng ri ro nh sau: - Cng ty bo him c th b l thuc vo ngn hng. Bn cnh , qua vic hp tc vi cng ty bo him, ngn hng c th nm bt c nghip v bo him thnh lp mt cng ty bo him trc thuc ngn hng v nh vy s y cng ty bo him ra khi hp ng hp tc. - Ri ro v thng hiu v uy tn cho cc bn nu hot ng bancassurance khng thnh cng . - i ng i l s b thi loi mt phn hoc quy m ln. 6. Bancassurance Vit Nam a. S hnh thnh ca bancassurance ti Vit Nam: T gia nhng nm 80 Vit Nam thc hin chnh sch kinh t th trng v hi nhp
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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

kinh t quc t. Lnh vc ti chnh ( ) cng tng bc c t do ha v m ca. Di tc ng ca nhiu nhn t nh nu trn, hot ng bancassurance Vit Nam cng c ra i, nh du bng vic cc ngn hng thc hin khuyn mi cc sn phm bo him phi nhn th cho khch hng [7]. Bancassurance Vit Nam hin nay c nhng c im sau: Th nht, cc ngn hng a ra nhng sn phm ngn hng t nhiu mang c im ca BHNT nh Tit Kim nh K (thng 4/2002), Tch Lu Bo An (thng 11/2004)ca SACOMBANK, An Sinh Tit Kim ca VP bank Khng dng li cc ngn hng, bu in cng vo cuc. Thng 1/2001, VNPT a ra th trng sn phm Tit Kim Bu in. Th hai, ngn hng v cng ty bo him lin doanh vi nhau thnh lp ln cc cng ty bo him: Cng ty Bo him Chu -Ngn hng Cng thng; cng ty bo him Ngn hng u t v Pht trin (BIDV)-QBE. Bn cnh , nhiu ngn hng nm gi c phn ca cc cng ty bo him (Chng hn Vietcombank c c phn PJICO). Th ba, ngn hng v cng ty bo him hp tc vi nhau bn bo him. Cc cng ty BHNT kh tch cc hp tc vi cc ngn hng ngay sau khi BHNT c trin khai t nm mc d khi vn ang l thi k nh cao ca knh phn phi qua i l. Nm 2002, Bo Vit k tha thun hp tc vi ngn hng Chu (ACB) v ngn hng Cng thng Vit Nam hp tc khai thc BHNT; gia nm 2004, Bo Vit Nhn th k tha thun vi Ngn hng No&PTNT Vit Nam (AGRIBANK) hp tc khai thc bo him, np ph bo him qua ATM, chuyn khon, chi tr quyn li qua ngn hng. Cng nm 2002, Prudential k tha thun hp tc vi ACB v Ngn hng ngoi thng Vit Nam (Vietcombank) bn BHNT. Vi Vietcombank, vic hp tc ca Prudential c thc hin 20 chi nhnh ca ngn hng ti H Ni; nhn vin ngn hng c o to bn t 3-4 sn phm; quy trnh bn hng c n gin ha [5]. u nm 2005 Prudential hp tc gia ngn hng ACB bn sn phm Ph Bo Tn (Credit Life). Cc cng ty BHNT khc nh AIA, Manulife cng c cch lm tng t. Thng 6/2005 AIA k tha thun vi BIDV bn bo him qua h thng ngn hng, ng thi BIDV cung cp cc dch v ngn hng trn gi cho AIA, cung cp cc hn mc tn dng, cc ngun vn thu c t ph bo him ca AIA s c thc hin cc hot ng u t vi BIDV. T my thng gn y, Cng ty a c Si Gn Thng Tn mua bo him thanh ton tin vay cho khch hng qua VASS (Cng ty bo him Vin ng) khi khch hng mua cn h tr gp thng qua Sacombank. Khi khch hng gp cc ri ro, bt trc dn n mt kh nng to thu nhp; hoc b thng tt b phn vnh vin, thng tt hon ton, t vong khch hng vn c th tip tc tr vn gp cho Sacombank qua trch nhim bo him ca VASS [13] Th t, cc ngn hng xc thnh lp cc cng ty bo him trc thuc (nh trng hp ca Vietcombank) trong khi cc cng ty bo him cng c nh thnh lp ngn hng trc thuc. Th nm, bancassurance Vit Nam cng pht trin thnh Marketing thn thin
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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

(Affinity Marketing) bn nhiu loi hng ho, dch v khc nhau cho i tng khch hng hin c. Chng hn, thng 8/2005, Prevoir-Cng ty BHNT ca Php, thc hin bn BHNT theo mt knh phn phi m cha c cng ty BHNT no Vit Nam thc hin qua bu in. nh gi mt cch khch quan nht, trong thi gian qua vic hp tc gia ngn hng v cng ty bo him Vit Nam mi dng li nhng hnh thc s ng, ch yu l vic ngn hng to iu kin v khng gian cng ty bo him n bn hng ti ngn hng. Cho n nay, kt qu hp tc gia cc cng ty BHNT v ngn hng Vit Nam cn rt hn ch, cha tng xng vi tim nng ca hai bn. n cui nm 2004, doanh thu ph bo him qua h thng ngn hng ca Vit Nam cha t 1% tng doanh thu ph, trong khi t l ny Hng Kng l 45%, Singapore l 18%, Malaysia 12%, n 20%, Thi Lan 12% v Prudential Asia Corporation t 17%[5]. b. Nhng bi hc: C hng lot cc l do lm cho tha thun hp tc bancassurance gia ngn hng v cng ty bo him ti Vit Nam thi gian qua cha em li hiu qu mong mun. C th k mt s l do nh sau: - Do hot ng bancassurance mi giai on u nn cc ngn hng v cc cng ty bo him cha nhn thc y li ch t bancassurance nn cha c cam kt song phng mnh m cng nh cha c kinh nghim trong vic la chn cch lm ph hp. c bit, cc ngn hng cha tch cc tham gia trong tho thun hp tc nn hot ng bancassurance Vit Nam dng nh vn l mi tnh n phng ca cc cng ty bo him. Bn cnh , cc ngn hng quc doanh t nhiu vn cn mang trong mnh phong cch kinh doanh quan liu, ca quyn v khng sn sng thay i phng thc qun l, kinh doanh, do vy c th kh ph hp vi vic cung cp sn phm bo him. - Cc ngn hng cha tin vo s thnh cng ca hot ng bancasurance v cha thy mt thnh cng in hnh Vit Nam. Bn thn cc doanh nghip bo him ni a cng cha thc s tin tng vo s thnh cng ca bancasurance ti Vit Nam. - Sn phm bo him nhn chung cha ph hp vi vic bn qua ngn hng. Cho n nay, c rt t sn phm chuyn bit bn qua ngn hng. Hin nay, trn 90% doanh thu ph BHNT ca th trng Vit Nam l t cc sn phm tit kim v cc sn phm bn qua ngn hng phn ln cng l cc sn phm tit kim, do vy to ra s cnh tranh trc tip i vi tit kim ngn hng. y cng l mt trong nhng l do khin ngn hng khng my mn m trong vic bn cc sn phm bo him. - Hnh thc hp tc cha ph hp v cha s dng vic bn bo him qua in thoi, th gi trc tip. - Mc d h thng ngn hng Vit Nam v ang pht trin vi tc cao nhng v c bn vn cn thua xa so vi cc ngn hng khu vc v trn th gii, do vy cha to c c s h tng cn thit cho hot ng bancassurance. Nhiu chi nhnh ngn hng
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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

cha ngun lc (cng ngh, nhn lc), c bit cn thiu khng gian dnh cho vic gii thiu v bn bo him. H thng mng li ca cc ngn hng ngoi quc doanh cn nh. - H thng ngn hng vn e ngi trong vic chia s thng tin. Cho n nay Vit Nam vn cha c quy nh r rng v vic bo v d liu cng nh cha c hng dn v vic cc ngn hng c lm g. iu ny dn n s e d ca ngn hng trong hot ng bancassurance. - Hot ng ca h thng ngn hng Vit Nam vn ch yu tp trung vo khch hng l cc doanh nghip; khch hng c nhn cha c coi trng ng mc. Quan trng hn, cc ngn hng Vit Nam cha c s trung thnh cao ca khch hng. Do vy, lng khch hng tim nng cho bo him khng di do. Bn cnh , d liu v khch hng ca ngn hng (c bit l ngn hng Nng nghip v Pht trin nng thn) hin nay cn kh s si nn vic tr gip cho khai thc bo him cn hn ch. - Khch hng cn t hiu bit v cc sn phm, dch v bo him, ngn hng. n nay, phn ng khch hng cha quen hoc khng bit vic sn phm bo him c th c bn ti ngn hng. Mc d s lng khch hng gi tit kim cc ngn hng Vit Nam rt ln nhng phn ln dn chng cha c ti khon ngn hng; nhng ngi c ti khon th a phn cha thi quen s dng cc dch v ngn hng (nh chuyn khon). Bn cnh , phn ng dn chng vn cha c tp qun bo him cn cc cng ty bo him cha to lp c uy tn, hnh nh mnh m trong dn chng. - Cc ngn hng v cng ty bo him Vit Nam cha gii quyt tt cc vn cn thit ca hot ng bancassurance nh: o to i ng bn hng, th lao, cch thc tip cn vi khch hng Trn thc t, vic o to v bo him cho nhn vin ngn hng mi c thc hin mc s si v ni dung o to cho nhn vin ngn hng khng c khc bit nhiu so vi o to i l nn d gy nhm chn i vi ngi hc. Trong mt s trng hp, cng ty bo him thiu s tr gip i vi ngn hng trong o to i ng nhn vin ngn hng bn bo him. im ny cng xut pht t thc t l ngun lc ca cng ty bo him cha thc s mnh san s cho ngn hng. - Thiu s nht qun t trn xung di ca cc ngn hng trong thc hin tho thun. Trn thc t, cng ty bo him k tho thun chung vi Tr s chnh ngn hng nhng khi trin khai ti cc chi nhnh ngn hng thng gp kh khn, chng hn cc chi nhnh khng p dng ng mc ph, mc th lao tha thun, khng cung cp khng gian, d liu khch hng. Dng nh cc chi nhnh ngn hng vn c lnh a ring ca mnh ti cc a phng. - H thng php lut iu chnh hot ng bancassurance Vit Nam cn nhiu bt cp, lm cho cc ngn hng v cc cng ty bo him lng tng trong p dng. Thc t cho thy, khi thc hin mt chnh sch, cch lm mi (v d nh bancassurance), cc ngn hng, cng ty bo him khng hiu r c chnh sch, cch lm ca mnh c ph hp vi cc quy nh ca php lut hay khng.

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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

c. Nhng thch thc i vi hot ng bancassurance ti Vit nam: Hot ng bancassurance ti Vit Nam cn vt qua cc thch thc sau: - Khch hng cha quen vi vic mua bo him ti cc ngn hng. - Cc ngn hng cha quen vi vn ho bn hng, c bit vn ho bn l trong khi hot ng bo him cn phi tm khch hng bn. - Theo quy nh hin hnh ca Vit Nam, khi bn hng cn phi c ch k nn vic thc hin direct-marketing hoc telemarketing tr nn phc tp. d. Trin vng trong thi gian ti: Mc d kt qu hot ng bancassurance Vit Nam trong thi gian qua cn rt khim tn nhng hot ng ny trong thi gian ti c trin vng rt ln. C s ca nhn nh ny l: - H thng ngn hng VN ang trong qu trnh hin i ha c s h tng: ATM, th khu tr (debit card), th tn dng (credit card), trung tm in thoi (call centre), ni mng trong h thng cc ngn hng, dch v nhn v chuyn tin, chuyn khon ra nc ngoi Tc tng ca s lng th ngn hng trong thi gian qua rt cao v cn cao hn trong nhng nm ti. Hin nay, c khong 1,5 triu khch hng s dng ATM vi khong 1.100 my ATM trn ton quc [14]. H thng d liu khch hng ca cc ngn hng, c bit l cc ngn hng c phn (nh ACB, EAB, Sacombank, Techcombank), ngy cng hon thin do vy c th khai thc cho hot ng bancasurance. - Cc ngn hng, c bit l cc ngn hng c phn, ngy cng ch n li ch t vic hp tc vi cc cng ty bo him qua s c thu nhp ngoi li cho vay nh t thu ph s dng ATM, ph chuyn khon Thm ch, trong n thnh lp tp on, Vietcombank xy dng k hoch thnh lp mt cng ty BHNT trc thuc. Hin nay Vietcombank c tho thun hp tc vi Bo Vit, PJICO v Prudential. Nhiu ngn hng nm gi c phn ca cc cng ty bo him. V d, Tm nhn chin lc ca BIDV l tr thnh nh cung cp ton b cc dch v ti chnh cho khch hng v tp trung vo vic pht trin cc sn phm c gi tr gia tng, l mt im n duy nht p ng tt c cc nhu cu v ti chnh v bo him ca khch hng [8]. Theo nh gi ca Swiss Re, cc ngn hng v cc nh bo him Chu c nhiu ng lc pht trin hot ng bancassurance . L do l v cc doanh nghip bo him Chu quan tm n bancassurance nh l cch a dng knh phn phi [1]. Prudential Vit Nam t mc tiu 5% doanh s qua knh bancassurance vo nm 2005 [5]. - Do tc ng ca vic hi nhp trong lnh vc ngn hng v bo him lm cho s lng ngn hng v bo him ngy cng tng, s cnh tranh lm gim bin li tc ca cc doanh nghip, thc y vic tm kim cc ngun thu nhp cho doanh nghip thng qua hp tc lin ngnh. Hin nay Vit Nam c 77 ngn hng, trong 6 ngn hng quc doanh, 37 ngn hng c phn, 4 ngn hng lin doanh, 27 chi nhnh ngn hng nc
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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

ngoi v 13 cng ty ti chnh v cho thu ti chnh. V pha ngnh bo him, hin c khong 25 cng ty bo him gc, trong c 8 cng ty BHNT v nhiu cng ty c th c cp giy php trong thi gian ti. Theo cam kt ca Vit Nam vi WTO v Hip nh thng mi Vit M, trong thi gian ti Vit Nam tip tc m ca th trng, trong c lnh vc ngn hng v bo him. Vic c phn ha cc ngn hng v cc cng ty bo him quc doanh cng l nhn t tc ng tch cc n hot ng ca bancassurance. H thng ngn hng Vit Nam c mng li v khch hng rt ln. Bn cnh , cc ngn hng Vit Nam ngy cng ch trng n th trng c nhn. Do vy, nu khai thc c h thng ngn hng, cc doanh nghip bo him s c thm mt knh phn phi ln v y tim nng. Chng hn, Vietcombank c 100 chi nhnh, c i din nhiu nc, chim 20% th phn tin gi, 50% th trng th v l doanh nghip i u trong vic cung cp cc sn phm tn dng th chp di hn (nh tn dng mua nh). - Nn kinh t pht trin vi tc cao v kh n nh; thu nhp kh dng ca dn chng tng; s nhn thc v bo him ca dn chng ngy cng cao trong khi t l dn s tham gia bo him cn thp. Chng hn vi BHNT, hin nay mi c khong 8% dn s c hp ng. - S thay i v nhn khu hc ti Vit Nam ang din ra theo ng quy lut ca th gii vi s gia tng ca t l ngi gi lm cho nhu cu chm sc sc kho, nhu cu ti chnh ngy cng cao. Ngoi ra, s thay i v quy m ca gia nh theo hng s gia nh ht nhn (ch bao gm cha m v con) ngy cng tng, ph n ngy cng c hng nn gio dc cao hn v c t con hn, tc th ho ngy ngy cng cao lm cho s c lp v t ch v ti chnh ngy cng c coi trng. e. thc hin bancassuarance thnh cng Vit Nam + C s cam kt mnh m t pha ngn hng v cng ty bo him tt c cc cp thc hin, c bit l cam kt ca cp lnh o cao nht. ng thi, phi t chc tt vic thc hin tha thun bancassurance trn thc t v u t thch hp thc hin knh phn phi ny. c bit, phi u t thch ng vo cng ngh thng tin phc v xy dng, lu tr v khai thc c s d liu khch hng. + Cn pht trin cc sn phm c kim nghim thnh cng ti cc th trng khc. l: bo him gn vi d n tn dng (Credit life), bo him ngi gi tin (depositors insurance), bo him thng tt, bo him y t, bo him xe my, t, bo him du lch, bo him nh t nhn, nin kim (annuities). Cc sn phm bancassurance cn gn vi cc khon vay th chp, chng hn khon vay th chp gn vi bo him t k c s tin bo him gim dn. + S dng linh hot ng bn bo him: C th s dng kt hp nhn vin ngn hng, cc nh t vn ti chnh, cc nh mi gii, i l bo him tu thuc theo m hnh hp tc gia ngn hng v cng ty bo him, tnh cht phc tp ca sn phm, trnh ca i ng bn hng, thi gian hai bn thc hin hp tc i vi cc sn phm n
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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

gin, c th s dng lc lng nhn vin ngn hng, tuy nhin i vi cc sn phm phc tp hn th i hi phi c phn phi thng qua cc nh t vn c bit. + Nhng nhn vin ngn hng bn bo him cn c o to v sn phm v k nng bn hng. Ngoi o to c bn ban u, cc nhn vin ngn hng cn c o to nng cao thng xuyn c th cp nht thng tin, nng cao k nng, kin thc. + Vic thit k ch th lao cho ngn hng cn phi m bo khuyn khch i ng nhn vin ngn hng trc tip bn hng cng nh i ng lnh o ngn hng. Vi kinh nghim ca mnh, cc cng ty bo him c th t vn cho ngn hng i tc cch phn chia th lao cho cc cp. + Cn phi c cch tip cn vi khch hng ca ngn hng mt cch ph hp. Chng hn, c th kt hp vic khai thc c s d liu khch hng vi vic bn hng qua in thoi v gi th trc tip. ng thi, cn thc hin tt vic qung co, tuyn truyn dn chng hiu hn v s dng cc sn phm ngn hng cng nh bo him. + Nh nc cn xy dng mi trng php l h tr tch cc hn cho hot ng bancassurance. 7. Li kt: Bancassuarance l knh phn phi khng cn xa l nhng nc c th trng ti chnh pht trin. Tuy nhin, Vit Nam bancassuarance vn cn l mt m hnh mi, c th ni ang trong giai on th nghim. T kinh nghim trn th gii, thnh cng trong hot ng bancassuarance, cc bn cn phi hiu r nhng yu t to nn thnh cng, c im th trng, im mnh v ngun lc ca mi bn c cch lm hiu qu, bc i thch hp. Vic thc hin bancassuarance cn c thc hin tng bc, phi tp i trc khi tp chy, c bit cn nhn thc r gi tr ca ngun d liu khch hng ca ngn hng. Bn cnh , cn t chc tt vic thc hin trn thc t v c c ch hot ng ph hp. C l cng cn lu rng, bancassurance khng phi l m hnh tuyt i a nng v hon ho. Knh phn phi ngy hm nay chim u th th ngy mai c th tr thnh lc hu. Do vy, thnh cng cc cng ty bo him cn nm bt c s thay i v qun l c s thay i mang li li nhun cho mnh. Cng ty bo him c th s dng bt c i tc no c c s d liu khch hng v c th tip cn khch hng bn bo him (ng nh ng Tiu Bnh tng ni: Mo trng mo en khng quan trng, c bt c chut th l mo ngoan). Hin nay, cc cng ty bo him trn th gii s dng knh phn phi rt a dng: knh truyn thng qua i l v mi gii cng vi cc knh phn phi mi nh bancassurance, telemarketing, direct marketing, post-assurance, cyber marketing, allfinanz, bn hng qua siu th Theo nh gi chung, knh phn phi bo him qua i l vn l knh ch yu Vit Nam v nhiu nc Chu trong nhiu nm ti; tuy nhin, cc knh phn phi mi s pht trin nhanh cng vi s pht trin kinh t-x hi.
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09/08/2012

Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

Do bancassurance l mt vn mi nn bi vit ny khng th trnh khi nhng khim khuyt, rt mong c cng c gi trao i ci m cng hiu thm v bancassurance. Email: xuantruongluong@yahoo.com. Thng 7/2005. TI LIU THAM KHO: - [1] Sigma, No.7/2002, Swiss Re. Bancassurance developments in Asia- Shifting into a higher gear. - [2] Asian Insurance Review (June 2005). Bancassurance- Making it Work, But For Whom ? - [3] LIMRA, A Consumer Panel Study (2005). Buying Life Insurance Through Banks II. - [4] LIMRA, A 2004 Report (2004). 2003/2004 Kehrer-LIMRA Bank Life Insurance Sales Study. - [5] Brad Emery, Prudential Vietnam, Vietnam Insurance Outlook 2005 (30th March 2005). Bancassurance in Vietnam- The Insurers Pespertive. - [6] Dr Vu Viet Ngoan, CEO, Vietcombank, Vietnam Insurance Outlook 2005 (30th March 2005). Bancassurance Developments from the Banks Pespertive. - [7] V Khc Trng, ti liu Hi tho Bo Vit 40 nm Xy dng v Pht trin. Bancassurance = Affinity Marketing Hng pht trin knh phn phi ca cc cng ty bo him nhn th. - [8] Thi bo ti chnh, th t 29-6-2005. - [9] Michael Freeman, www.asiainsurancereview.com, December 2002. Japan: Industry In Transition. -[10] John O.Nigh v Mark V.T. Saunders, Emphasis 2003/4, Tillinghast. Bancassurance Around the World. -[11] Sivam Subamaniam, Editor-in-Chief, Asia Insurance Review, 5th Asian Conference on Bancassurance and Alternative Risk Distribution Channels, 21-22 October, 2004. Challenges Facing Regulators, Insurers and Banks in the Bancassurance Arena. -[12] Graham Morris, Cng ty t vn Watson Wyatt (Indonesia, September 2004). Case study: Building a new Bancassurance Channel. -[13] Thi bo kinh t, ngy 09/6/2005. -[14] http://vietnamnet.vn/, ngy 28/07/2005. Vietcombank s i li th ATM cho khch hng.

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Bancassurance - Cch thc kt hp cc dch v ti chnh mt ca hiu qu ?

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