Professional Documents
Culture Documents
Tcdn1005ueh34 m1 Case1 p5 MDF
Tcdn1005ueh34 m1 Case1 p5 MDF
H v tn SV
STT
H v tn SV
Trn Th i Tin
Nguyn Tng Vi
Nguyn Thanh V
an Thy Vy
Bi Th Ngc Vn
iem
Bang so
Bang ch
Ch ky giang
vien
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
MC LC
Trang 3/27
Module 1
TNG QUAN
Trang 4/27
Module 1
TNG QUAN
Trang 5/27
Module 1
TNG QUAN
Trang 6/27
him l 34.400 t ng, chim 4,07% GDP, ch yu vo tri phiu chnh ph v tin gi
ngn hng.
1.3 Vit Nam sau gia nhp WTO:
u nm 2007, Vit Nam chnh thc tr thnh thnh vin ca t chc thng mi
th gii - WTO. Tin trnh hi nhp kinh t quc t, t do ha thng mi, u t din
ra ngy cng su rng trn mi lnh vc, trong ngnh bo him l mt trong nhng
lnh vc i u trong vic hi nhp kinh t th gii. iu ny ko theo s ra i ca
nhiu doanh nghip bo him, c bit l ca cc doanh nghip nc ngoi, trong c
nhiu nh bo him, mi gii bo him hng u th gii nh AIG, ACE, Marsh,
Aon Bn cnh , nhiu doanh nghip bo him trong nc tng vn vi quy m ln,
mt s cn lin doanh vi cc tp on bo him, ti chnh hng u quc t nh Bo
Vit vi HSBC, Bo Minh vi AXA gip cc doanh nghip trong nc va c c
ngun vn thng d ln, va to iu kin trao i k nng chuyn ngnh, cng ngh
qun l gp phn thc y nng lc cnh tranh ca cc doanh nghip trong nc. Nng
lc ti chnh ca th trng nh m ngy cng nng cao p ng nhu cu d phng
ti chnh, m bo ri ro, thc y pht trin nn kinh t x hi.
Ch qun l nh nc v hot ng kinh doanh bo him ngy cng c hon
thin thng qua vic ban hnh Ngh nh 45 v 46, thng t 155, 156 hng dn thi
hnh N 45, N 46, thng t lin tch B Cng an, B Ti chnh s 41 v Q 28 v
bo him chy n bt buc, thng t lin tch B Cng An, B Ti Chnh s 16 v Q
23 v bo him bt buc TNDS ch xe c gii. C th ni, khung php l chuyn
ngnh bo him c xy dng v hon thin hn to iu kin cho s tng trng
v lm c s cho s pht trin lu di ca th trng trong tng lai.
i ng cn b bo him, i l bo him ngy cng c cht lng. Phn ln cc
doanh nghip bo him u u t vo pht trin cng ngh thng tin phc v cho 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
Module 1
TNG QUAN
Trang 7/27
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.
Module 1
Trang 8/27
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
Module 1
Trang 10/27
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.
Ngun: Gso.gov.vn
Module 1
Trang 11/27
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 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,
Module 1
Trang 12/27
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):
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,
2
: 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
Module 1
Trang 13/27
2.2.1.5
Trang 14/27
v kh nng cnh tranh ca cc doanh nghip bo him. Song hin ti, vn cha c s
phi hp cht ch, hiu qu gia doanh nghip bo him vi nh cung cp:
Hn ch trong dch v ngn hng: Cng ty bo him k tha thun chung vi tr s
chnh ngn hng nhng khi trin khai ti cc chi nhnh ngn hng thng gp kh
khn: cc chi nhnh khng p dng ng mc ph, mc th lao tha thun, khng
cung cp khng gian, d liu khch hng.
Hn ch v dch v y t: Phm vi bo him ca bo him y t cn kh hp, cn c
s phn bit trong iu tr gia bnh nhn hng bo him y t v bnh nhn dch v.
Trn thc t, phn ln bnh nhn c bo him y t v thuc tng lp trung lu tr ln
khi khm cha bnh u khng s dng quyn li t bo him y t c tip cn
cht lng dch v y t cao hn. Tnh trng nhiu bnh vin u qu ti, nht l cc
c s tuyn tnh, tuyn trung ng, bnh nhn phi ch i lu khi khm cha bnh,
nm chung ging bnh cn kh ph bin khin nhiu ngi ngi tham gia v s dng
cc dch v do bo him y t chi tr4.
Hn ch v ngun nhn lc: Do cc c th ngh nghip, s lin kt gia o to v
th trng l yu t ht sc quan trng trong gio dc nghip v bo him. Tuy nhin,
vic o to nghip v bo him ti cc trng i hc nhn chung vn l xa ri thc t,
chng trnh o to vn cha bm st nhu cu ca ngnh. V pha doanh nghip bo
him Vit Nam, hn ch v kh nng ti chnh khng cho php cc doanh nghip ny
c th u t di hn cho vic o to cc cn b ca mnh5.
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
4
: http://www.baomoi.com/Nhieu-nguoi-ngai-tham-gia-dich-vu-bao-hiem-y-te-chi-tra/144/7195890.epi
:http://www.baovietnhantho.com.vn/newsdetail.asp?
websiteId=1&newsId=537&catId=199&lang=VN
5
Module 1
Trang 15/27
2.2.2.4
Module 1
Trang 16/27
ngoi s to ra nhng kh khn, thch thc khng nh cho cc doanh nghip ang hot
ng trong nc hin nay6, d thy nht l trong lnh vc bo him hng ha.
Kim ngch xut khu hng ha c nc nm 2010 t 71,6 t USD, kim ngch nhp
khu hng ha t 84 t USD. Mc d kim ngch hng ha xut nhp khu c mc tng
trng cao (tng ng l 25,5% v 20,1% so vi nm 2009) nhng cc doanh nghip
bo him Vit Nam mi ch bo him c khong 5% tng kim ngch hng xut khu
v 33% kim ngch hng nhp khu. Trong khi , th trng chng kin s tri dy
mnh m ca cc cng ty bo him nc ngoi. Mc d thc t cho thy, mua bo him
hng ha t cc nh bo him Vit Nam c nhiu ci li cho cc doanh nghip hn.
Th nht, cc doanh nghip c giao dch vi ngi Vit Nam, trnh c phin phc
v ro cn php l v ngn ng, a l. Th hai, hin cc nh bo him trong nc c
nng lc t vn cho khch hng cc thng tin tu vn chuyn qua cc mng li
hng hi uy tn trn th gii, t vn cc chnh sch phng hn ch tn tht v hng
dn khiu ni, la chn iu kin bo him u vit c bit, khch hng c th np
ph bng ng Vit Nam gim chi ngoi t nu lm vic vi nh bo him trong
nc. Tuy nhin, doanh nghip bo him Vit Nam vn cha tn dng c li th ny.
T thc trng cho thy nng lc hot ng ca cc doanh nghip Vit Nam cn hn
ch v cha mang tm quc t7.
2.2.2.5
: http://thongtinphapluatdansu.wordpress.com/2009/08/27/3695/
: http://cafef.vn/2011071304502016CA34/bao-hiem-hang-hoa-doanh-nghiep-noi-lep-ve.chn
Module 1
Trang 17/27
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.
: 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
Module 1
4.
Trang 18/27
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 r
ln mnh.
=> 1.V pha cc c quan chc trn cc phng tin thng tin
2.Kh c sn phm thay nng:
i chng hay cho cc nhn
th han ton.
GII PHP
Trang 20/27
u n cc khu vc dn c
bo him.
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
cng
cc
hot
ng a ra ph bo him ph hp.
Module 1
GII PHP
Trang 21/27
GII PHP
Trang 22/27
a dng v d nh sn phm bo
him lin kt u t chung v
lin kt u t n v
Cn tng cng kim tra, gim
st hot ng kinh doanh bo
him v cc hot ng ti chnh
c lin quan. Pht hin v ngn
chn kp thi nhng hin tng
v c tnh dy chuyn gia
cc ngnh c lin quan nhiu n
lnh vc bo him, nh ngn
hng, ti chnh, chng khon v
kinh doanh bt ng sn.
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
Nhng gii php khc :
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
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
Module 1
GII PHP
Trang 23/27
GII PHP
Trang 24/27
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-bao-hiemvb38656t11.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-thap-honcau/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-ket-hopdau-tu.html
13. http://www.baomoi.com/Nganh-bao-hiem-doc-suc-voi-cuoc-dua-cong-nghe
14. http://www.webbaohiem.net
15. http://webbaohiem.net/b%E1%BA%A3o-hi%E1%BA%BBm-v%E1%BB%9Biwto/1234-th-trng-bo-him-vit-nam-vi-vic-gia-nhp-wto.html
Module 1
Trang 26/27
Module 1
Trang 27/27
Module 1