TRNG I HC KINH T H CH MINH

KHOA TON THNG K

BI VI T 4:
BO HIM NHNG NGUYN TC CHUNG
V HOT NG BO HIM (P.2)

GVHD : TH.S Nguyn Tin Hng
Nhm : TFK37UEH04
Nguyn Trng Ngha 25
Nguyn Hu Nht 26
Vng V Ngc Tho Nhi 27
Hunh Th Ngc Nh 28
Nguyn Th Kiu Nng 29
Nguyn Ton Pht 30
L Hunh Vnh Ph
Hunh Sang


31
32



TP.H Ch Minh 09/09/2014
I . Bo him nhn th v bo him phi nhn th
1. Bo him nhn th
Bo him nhn th l nghip v bo him lin quan n tnh mng hoc sc khe
con ngi nhm mc ch bo v ti chnh cho c nhn v gia nh.
Hp ng bo him nhn th l hp ng c k kt gia doanh nghip bo him
nhn th v khch hng. Theo , khch hng cam kt ng ph bo him, doanh
nghip bo him cam kt tr tin hoc bi thng khi xy ra cc s kin bo him
c xc nh trong hp ng bo him.
Cc loi sn phm bo him nhn th:
Bo him trn i: L nghip v bo him cho trng hp ngi c bo him
cht vo bt k thi im no trong sut cuc i ca ngi .
Bo him sinh k:
+ L nghip v bo him cho trng hp ngi c bo him sng n mt thi
hn nht nh, theo doanh nghip bo him phi tr tin bo him cho ngi th
hng, khi ngi c bo him vn cn sng n thi hn tho thun trn hp ng.
+ Khng bo him sinh mng. N n gin l mt hp ng thanh ton gi tr
n hn vo mt ngy quy nh trong hp ng nu ngi c mua bo him cn
sng. Nu ngi c bo him cht trc ngy n hn thanh ton th s khng c
bt c khon tin no. Tuy nhin, mt s cng ty BH s hon ph bo him nu xy ra
t vong thng c rt t cc hp ng bo him ny v c nhiu hnh thc u t n
thun khc canh tranh vi hp ng BH sinh k.
Bo him t k: l nghip v bo him cho ngi c bo him cht trong
mt thi hn nht nh c quy nh c th trong hp ng, theo doanh nghip
bo him phi tr tin bo him cho ngi th hng, nu ngi c bo him cht
trong thi hn c tho thun trong hp ng bo him. y l quyn li c bn ca
sn phm bo him t k. Trong thc t, tng thm quyn li cho khch hng, cc
cng ty bo him c th b sung thm mt s quyn li khc.
Cc li ch cho khch hng khi mua bo him t k:
+ m bo cc chi ph mai tng, chn ct;
+ Bo tr cho ngi thn v gia nh, gip cn bng v n nh cuc sng nhanh
chng;
+ Thanh ton cc khon n nn v nhng khon vay hoc th chp ca
ngi c bo him.
Bo him hn hp:
+ L nghip v bo him kt hp gia bo him sinh k v bo him t k.Theo
, cng ty bo him cam kt chi tr mt khon tin c n nh trong trng hp
ngi c bo him cn sng n khi ht hn hp ng hoc khi ngi c bo
him t vong trong thi hn hp ng.
+V D : bn mua 1 hp ng sinh k trong 10 nm ph ng hng nm l 10 tr .
Ht 10 nm bn cn sng bn nhn c; 10.000.000 nhn 10 nm nhn vi li
sut tha thun . Nu bn cht trc 10 nm ngi th hng ca bn s nhn li s
tin bn ng vo t khi hp ng c hiu lc n thi im bn cht.
Bo him tr tin nh k: l nghip v bo him cho trng hp ngi c
bo him sng n mt thi hn nht nh, sau thi hn doanh nghip bo him
nh k cho ngi th hng theo tho thun trong hp ng bo him
Cc nghip v bo him khc do chnh ph quy nh
2. Bo him phi nhn th
Bo him phi nhn th l loi nghip v bo him khng phi l bo him nhn
th. Gm cc loi sn phm :
Bo him sc kho v bo him tai nn con ngi
Bo him ti sn v bo him thit hi
Bo him hng ho vn chuyn ng b, bin, sng, st, ng khng.
Bo him hng khng
Bo him xe c gii
Bo him chy n
Bo him thn tu v trch nhim dn s ca ch tu
Bo him trch nhim chung
Bo him tn dng v ri ro ti chnh
Bo him thit hi kinh doanh
Bo him nng nghip
Cc nghip v bo him phi nhn th khc
3. Phn bit bo him nhn th v bo him phi nhn th

Bo him nhn th Bo him phi nhn th
Phm vi bo
him
Con ngi
Ti sn, con ngi, trch nhim dn
s
i tng bo
him
Tui th ca ngi tham gia
C sinh mng con ngi, sc kho,
thng tt ca con ngi
Thi hn bo
him
Di hn 5-10 nm hoc sut
i ( trung v di hn)
Thng l mt nm ( ngn hn)
Ph
bo
him
Cc
nhn t
nh
hng
Thi gian tham gia ,S tin bo
him, T l li k thut, Xc
sut t vong
Xc sut ri ro, S tin bo him,
Ch bo him
Cch
thc
ng
ph
Ph ng theo thng, qu,
6 thng hay 1 nm
Thng ng ph mt ln sau khi k
hp ng
Quyn li bo
him
Chi tr tin bo him trong
nhng trng hp:
+ Cht
+ Thng tt ton b vnh vin
+ Ht hn hp ng
Ch c bi thng tn tht trong
gii hn hp ng khi c tn tht xy
ra.
Tnh cht
+ Va mang tnh cht ri ro
va mang tnh tit kim.
+ Tt c mi ngi tham gia
u c nhn s tin bo
him
+ Ch mang tnh ri ro.
+ Ch mt s t ngi c nhn s
tin bo him khi gp ri ro thuc
trch nhim bo him.

Qua bng so snh gia bo him nhn th v bo him phi nhn th trn, ta thy
bo him nhn th c mt s c trng sau:
Th nht: c s phc tp trong cc mi quan h gia ngi k, ngi c bo
him v ngi c hng quyn li bo him trong bo him nhn th.
Cc loi bo him khc ngoi bo him nhn th u phng cc hu qu ca
mt s c khng lng trc. Ngi ta cng bit c ai l ngi c hng quyn
li ca hp ng, chng hn l nn nhn trc tip hay gin tip ca s c.
i vi bo him nhn th, trong trng hp t vong, ngi c hng quyn
bo him khng phi l nn nhn ca s c. Ngi c bo him cht, ngi c
hng l ngi c mi quan h thn thuc vi ngi c bo him. Ngi ta thy
rng iu ny lm hn ch n s t do ca ngi c bo him. Ngi c bo
him khng phi lc no cng c th t do thay i ngi c tha hng v mt s
ngi khc cng cng c th c tha hng t ngi ny. Trng hp ny c th
xy ra i vi bo him trong trng hp sng nhng rt him. Trong bo him nhn
th, cc mi quan h gia ngi k, ngi c bo him v ngi c hng rt
phc tp v mang tnh nguyn tc hn rt nhiu so vi cc loi hnh bo him khc.
Th hai, bo him nhn th c tnh a mc ch. Trong khi cc loi hnh bo him
phi nhn th c mt mc ch l bi thng cho cc hu qu ca mt s c tiu cc,
khng lng trc th bo him nhn th li c nhiu mc ch khc nhau: to lp mt
qu d phng cho tng lai con ci hc tp hay lp nghip, lp ra mt qu hu tr
cho bn thn khi v gi, li mt khon tin cho ngi thn khi t vong, dnh khon
tin chi tiu cho mt mc ch trong tng lai.
Th ba, trong bo him con ngi ni chung v bo him nhn th ni ring, hu
ht cc trng hp khng p dng nguyn tc bi thng m p dng nguyn tc
khon. Bi l:
+ Trong trng hp t vong, nh bo him s tr s tin bo him khi ngi c
bo him cht. Nhng khng th xc nh c s tin ny mt cch hon ton khch
quan v khi nim gi c khng th p dng cho con ngi c. Tnh mng ca con
ngi l v gi.
+ Mt ngi c hng bo him mun gia nh hay ngi thn ca anh ta
hng mt khon tin nht nh no tu thuc vo thu nhp hon cnh gia nh ca
mnh... Anh ta c quyn n nh khon tin bi thng vo thi im k hp ng vi
nh bo him. Nh vy bo him trong trng hp t vong khng nhm vo bi
thng mt thit hi. Hn na, ttrong nhiu loi hnh bo him con ngi, bin c dn
n ngha v ca ngi bo him khng c bn cht thit hi. Do vy khi nim thit
hi khng th s dng trong bo him con ngi.
Nhn chung, bo him con ngi dn n cc khon tr cp khon m s tin c
n nh trc v tch bit vi khi nim bi thng. l:
Nguyn tc khon c p dng trong hu ht cc loi hnh bo him con ngi.
Loi tr trng hp hon tr cc khon chi ph y t, b bnh hoc tai nn, bo him
y mang tnh cht bi thng v nh bo him bi thng cho ngi c bo him
gi ca s chm sc thuc trch nhim ca anh ta.
Th t, trong bo him nhn th khng c s th quyn.
Cng mt lc, khch hng c th tham gia nhiu loi hnh bo him con ngi v
nu c xy ra s c no thuc phm vi bo him ca nhiu hp ng th h c
nhn tt c cc khon bi thng t cc hp ng khc nhau. Ngi c hng
quyn li t bo him con ngi c th ng thi nhn c cc khon bi thng t
cc hp ng m h tham gia v khon bi thng ca ngi gy ra thit hi. Trong
trng hp ny, khng c s khiu ni ca nh bo him (nh bo him bi thng
cho cc hp ng do ngi b tai nn tham gia) i vi ngi th ba (ngi gy ra
thit hi) v nh bo him ca anh ta.
Duy nht trong bo him nhn th cho php m bo cng mt lc hai s c i
lp nhau l "t vong v sng".
Th nm, trong bo him nhn th khng p dng nguyn tc ng gp. Nguyn
tc ny ch p dng trong bo him ti sn, bo him trch nhim, bo him thit hi.
Theo nguyn tc ng gp th cng ty bo him khi n b cho ngi c bo
him c quyn gi cc cng ty bo him khc chia s tn tht trong trng hp:
+ C hai hp ng bi thng c hiu lc tr ln
+ Cc hp ng u bo him cho cc quyn li chung
+ Cc hp ng u bo him cho cc ri ro chung
Nhng bo him nhn th l loi hnh bo him con ngi nn ngi tham gia bo
him c quyn nhn quyn li ca mi hp ng m h tham gia. Hn na, con ngi
l v gi nn khng p dng nguyn tc ny.
Nh vy, nu bo him nhn th c nhng im tng ng vi cc loi hnh bo
him con ngi th n li c nhng khc bit vi cc loi hnh bo him phi nhn th
khc.
II. Bo him thng mi v ngn hng thng mi
1. Bo him thng mi (BHTM)
a. Khi nim
Bo him thng mi l hot ng bo him c thc hin bi cc t chc kinh
doanh bo him trn th trng bo him thng mi. Bo him ch nhng hot ng
m cc doanh nghip bo him chp nhn ri ro trn c s ngi c bo him
ng mt khon tin gi l ph bo him doanh nghip bo him bi thng hay tr
tin bo him khi xy ra cc ri ro tha thun trc trn hp ng.
b. Bn cht
+ Gn lin vi thut ng Kinh doanh bo him.
+ Hot ng v mc ch sinh li, Doanh nghip bo him chp nhn ri ro ca
ngi c bo him trn c s bn mua ng ph bo him Doanh nghip bo
him tr tin cho ngi th hng hoc ni thng cho ngi c bo him khi xy
ra s kin bo him
c. Ni dung
+ Th hin mi quan h gia doanh nghip bo him vi khch hng ca mnh (bn
mua bo him).
+ Th hin mi quan h gia ngi bo him gc v ngi nhn ti bo him khi
thc hin ti bo him v bao hm cc hot ng ca trung gian bo him nh : i l,
mi gii.
d. c im
+ Hot ng bo him thng mi l mt hot ng tha thun (nn cn gi l bo
him t nguyn);
+ S tng h trong bo him thng mi c thc hin trong mt cng ng c
gii hn, mt nhm ng;
+ Bo him thng mi cung cp dch v m bo khng ch cho cc ri ro bn
thn con ngi m cn cho c ri ro ti sn trch nhim.
e. Phn loi
Cn c i tng bo him
Bo him ti sn: l bo him ly ti sn lm i tng bo him. Khi xy ra
tn tht, ngi bo him c trch nhim bi thng cho ngi c bo him
cn c vo gi tr thit hi thc t v mc m bo tha thun trn hp
ng.
Bo him con ngi: i tng ca loi hnh ny, chnh l tnh mng, thn th,
sc khe ca con ngi. Bn mua bo him tin hnh giao kt hp ng bo
him, np ph bo him thc hin mong mun nu ri ro xy ra lm nh
hng tnh mng, sc khe ca ngi c bo him th h hoc ngi th
hng khc s nhn c khon tin do ngi bo him tr.
Bo him trch nhim dn s: i tng bo him l trch nhim pht sinh do
rng buc ca php lut dn s, theo , ngi c bo him phi bi thng
bng tin cho ngi th ba nhng thit hi gy ra do hnh vi ca mnh hoc do
s vn hnh, hot ng ca ti sn thuc quyn s hu, chim hu, s dng ca
chnh mnh
Cn c vo k thut bo him
Cc loi bo him da trn k thut phn b: l cc loi bo him m bo cho
cc ri ro c tnh cht n nh theo thi gian v thng c lp vi tui th con
ngi (gi l bo him phi nhn th), thng th mt nm.
Cc loi bo him da trn k thut dn tch vn: cc loi bo him m bo
cho cc tnh cht thay i theo thi gian v i tng, thng gn lin vi tnh
mng con ngi (gi l bo him nhn th), thng di hn: 10 nm, 20
nm.
Cn c theo cch thc tr tin:
Cc loi bo him c tin bo him tr theo nguyn tc bi thng: s tin m
ngi bo him tr cho ngi c bo him hoc ngi th hng khng
bao gi vt qu gi tr thit hi thc t m anh ta phi gnh chu. Gm c:
bo him ti sn v bo him trch nhim dn s.( ngy nay cn c bo him
tai nn, bnh tt)
Cc loi bo him c tin bo him tr theo nguyn tc khon: ngi c
bo him hoc ngi th hng s nhn s nhn c s tin khon theo ng
mc m h tha thun trn hp ng vi ngi bo him ty theo nhu cu
kh nng ng ph ( thng l bo him nhn th, bo him tai nn, bnh tt).
Cn c vo phng thc qun l:
Bo him t nguyn: l bo him m hp ng c gn kt da trn s cn
nhc v nhn thc ca bn mua bo him.
Bo him bt buc: c hnh thnh trn c s lut nh nhm bo v li ch
nn nhn trong cc v tn tht v bo v li ch cho ton kinh t-x hi
2. Ngn hng thng mi (NHTM)
a. Khi nim
Ngn hng thng mi(NHTM) l t chc kinh doanh tin t tn dng c v tr
quan trng nht trong nn kinh t th trng cc nc. C nhiu khi nim khc
nhau v ngn hng thng mi:
M: NHTM l cng ty kinh doanh tin t, chuyn cung cp dch v ti chnh
v hot ng trong ngnh cng nghip dch v ti chnh.
Php: NHTM l nhng x nghip v c s no thng xuyn nhn ca cng
chng di hnh thc k thc hay hnh thc khc cc s tin m h dng cho chnh
h vo nghip v chit khu, tn dng hay dch v ti chnh.
n : NHTM l c s nhn cc khon k thc cho vay hay ti tr u t.
Theo Php lnh Ngn hng nm 1990 ca Vit Nam: Ngn hng thng mi l
mt t chc kinh doanh tin t m nghip v thng xuyn v ch yu l nhn tin
gi ca khch hng vi trch nhim hon tr v s dng s tin cho vay, chit
khu v lm phng tin thanh ton.
Theo Ngh nh ca Chnh ph s 49/20001N-CP ngy 12/9/2000 : Ngn
hng thng mi l ngn hng c thc hin ton b hot ng ngn hng v cc
hot ng kinh doanh khc c lin quan v mc tiu li nhun, gp phn thc hin
cc mc tiu kinh t ca nh nc ".
Nh vy c th ni NHTM l nh ch ti chnh trung gian quan trng v bc
nht trong nn kinh t th trng. Nh h thng nh ch ti chnh trung gian m cc
ngun tin nhn ri nm ri rc trong x hi s uc huy ng, tp trung li, ng
thi s dung s vn cp tn dng cho cc t chc kinh t, c nhn d pht trin
kinh t x hi.
b. c im v bn cht
c im
- L doanh nghip hot ng kinh doanh trong lnh vc tin t v mc tiu li
nhun.
- Hot ng kinh doanh ca NHTM c phn vo nhm hot ng kinh doanh c
mc ri ro cao.
- S tn ti ca NHTM ph thuc nhiu vo s tin tng ca khch hng
- Cc NHTM chu nh hng dy chuyn vi nhau
Bn cht:
- NHTM l mt t chc kinh t.
- NHTM l mt t chc kinh t c bit.
c. Chc nng
Chc nng trung gian tn dng
Chc nng trung gian tn dng c xem l chc nng quan trng nht ca ngn
hng thng mi. V n phn nh bn cht ca ngn hng thng mi l i vay
cho vay, n quyt nh s tn ti v pht trin ca ngn hng. ng thi n cng l c
s thc hin cc chc nng khc.
Khi thc hin chc nng trung gian tn dng, NHTM ng vai tr l cu ni
gia ngi tha vn v ngi c nhu cu v vn. Thng qua vic huy ng cc khon
vn tin t tm thi nhn ri trong nn kinh t, ngn hng thng mi hnh thnh nn
qu cho vay cung cp tn dng cho nn kinh t.Vi chc nng ny, ngn hng
thng mi va ng vai tr l ngi i vay, va ng vai tr l ngi cho vay v
hng li nhun l khon chnh lch gia li sut nhn gi v li sut cho vay v gp
phn to li ch cho tt c cc bn tham gia: ngi gi tin v ngi i vay... Cho vay
lun l hot ng quan trng nht ca ngn hng thng mi, n mang n li nhun
ln nht cho ngn hng thng mi.
Chc nng trung gian thanh ton
y NHTM ng vai tr l th qu cho cc doanh nghip v c nhn, thc
hin cc thanh ton theo yu cu ca khch hng nh trch tin t ti khon tin gi
ca h thanh ton tin hng ha, dch v hoc nhp vo ti khon tin gi ca
khch hng tin thu bn hng v cc khon thu khc theo lnh ca h.
Cc NHTM cung cp cho khch hng nhiu phng tin thanh ton tin li nh
sc, y nhim chi, y nhim thu, th rt tin, th thanh ton, th tn dng Ty theo
nhu cu, khch hng c th chn cho mnh phng thc thanh ton ph hp. Nh
m cc ch th kinh t khng phi gi tin trong ti, mang theo tin gp ch n,
gp ngi phi thanh ton d gn hay xa m h c th s dng mt phng thc
no thc hin cc khon thanh ton. Do vy cc ch th kinh t s tit kim
c rt nhiu chi ph, thi gian, li m bo thanh ton an ton. Chc nng ny v
hnh chung thc y lu thng hng ha, y nhanh tc thanh ton, tc lu
chuyn vn, t gp phn pht trin kinh t.
Chc nng to tin
To tin l mt chc nng quan trng, phn nh r bn cht ca NHTM. Vi mc
tiu l tm kim li nhun nh l mt yu cu chnh cho s tn ti v pht trin ca
mnh, cc NHTM vi nghip v kinh doanh mang tnh c th ca mnh v hnh
chung thc hin chc nng to tin cho nn kinh t.
Chc nng to tin c thc thi trn c s hai chc nng khc ca NHTM l
chc nng tn dng v chc nng thanh ton. Thng qua chc nng trung gian tn
dng, ngn hng s dng s vn huy ng c cho vay, s tin cho vay ra li
c khch hng s dng mua hng ha, thanh ton dch v trong khi s d trn ti
khon tin gi thanh ton ca khch hng vn c coi l mt b phn ca tin giao
dch, c h s dng mua hng ha, thanh ton dch v Vi chc nng ny, h
thng NHTM lm tng tng phng tin thanh ton trong nn kinh t, p ng nhu
cu thanh ton, chi tr ca x hi. Ngn hng thng mi to tin ph thuc vo t l
d tr bt buc ca ngn hng trung ng p dng i vi nhtm. do vy ngn hng
trung ng c th tng t l ny khi lng cung tin vo nn kinh t ln.
3. Mi quan h tng tc gia bo him thng mi v ngn hng thng mi
Theo Thng t s 84, ngn hng s thc hin cc hot ng gii thiu khch hng
c nhu cu mua bo him doanh nghip bo him thc hin t vn; cho bn bo
him; thu xp vic giao kt hp ng bo him; thu ph bo him (thu h cc khon
ph bo him t khch hng v chuyn li cho cc doanh nghip bo him theo tha
thun ti hp ng i l bo him); thu xp gii quyt tr tin bo him khi xy ra s
kin bo him v thc hin cc hot ng, ngha v khc. y l c hi tt thng
qua knh bo him m cc ngn hng vic cung cp dch v bo him s to ra ngun
thu nhp mi c th qung b hnh nh v dch v ca mnh n rng ri ngi dn v
ngc li, thng qua ngn hng, bo him cng c th d dng phn phi sn phm v
m rng th phn, gim chi ph phn phi sn phm. V pha khch hng, h c th
tip cn v mua bo him d dng hn vi chi ph thp hn, vic chi tr ph bo him
nh k cng thun tin hn.
Cc cng ty bo him v thu ph v thanh ton ph bo him qua h thng ATM,
h tr t vn bo him, cung cp dch v ngn hng v chng khon cho cng ty bo
him. Nh vy, khch hng ca cng ty bo him ch cn giao dch trn 1 ti khon
chuyn thu ph bo him m ti NHTM m khng phi chu bt k chi ph no khc,
trong khi vn c hng cc tin ch ca ngn hng v thanh ton trc tuyn.
NHTM cung cp dch v qun l ti khon tin gi cho DNBH, ng ph bo
him, thanh ton tin bo him, t vn bo him nhn th, gii thiu khch hng cho
DNBH... Ngc li, DNBH s cung cp cc sn phm bo him nhn th cho tt c
cc nhn vin ca NHTM.
c bit s ra i ca sn phm Bancassurance - l vic ngn hng v Cng ty
bo him hp tc vi nhau pht trin v phn phi mt cch hiu qu cc sn phm
ngn hng v bo him thng qua vic cung cp cc sn phm cho cng mt c s
khch hng. Nhng li ch cn bn m Bancassurance mang li:
Cng ty bo him Ngn hng Khch hng
Gim chi ph phn phi
sn phm
Hng hoa hng ph
Mua sn phm BH vi gi thp
(do tiu dng nhiu sn phm v
ngi cung cp sn phm tit kim
c chi ph phn phi)
C thm khch hng mi
(khch hng ca ngn
hng)
C thm khch hng mi
(khch hng ca cng ty
bo him)
C thm knh mua sn phm
a dng ho knh phn
phi
M rng danh mc sn
phm
Mua nhiu sn phm ti cng mt
ni
Tng hiu qu kinh
doanh do tng doanh thu,
gim chi ph phn phi.
Tng hiu qu kinh doanh
do tng doanh thu v c c
hi bn cho sn phm
Tng th hng tin ch ca cc
sn phm: np ph, nhn bi
thng n gin, nhanh chng; s
dng kt hp vi nhiu dch v
khc ca ngn hng,
Gn kt vi cc ngn
hng qung b thng
hiu.
Gn kt vi cc cng ty bo
him qung b thng
hiu. Tng uy tn v v th.
An ton hn khi mua bo him
(cc sn phm bo him c
cung cp qua knh ngn hng
c ngn hng xem xt, nh gi,
la chn) - khch hng c bo
him hai ln
Duy tr v pht trin c
s khch hng do khch
hng tin tng hn v
trung thnh hn.
Duy tr v pht trin c s
khch hng do khch hng
tin tng hn v trung
thnh hn.
Tng kh nng hiu bit v cng
ty bo him v ngn hng. Gim
ri ro do thng tin bt cn xng
Qua bng trn ta thy ,
i vi ngn hng
- Vi Bancassurance , NHTM c thm dch v cung cp cho khch hng, qua
tng cng kh nng cnh tranh ca mnh, tng kh nng duy tr khch hng v thu
ht hn nhiu khch hng mi s dng cc dch v ca ngn hng. Ngn hng c th
tng doanh thu t vic cung cp cc dch v ngn hng cho khch hng mua bo him.
- Tng thu nhp khng phi t li thng qua vic thu ph cc dch v ngn hng
(ph chuyn khon, ATM, th tn dng), cho thu mt bng giao dch, hoa hng t
bn bo him Ngn hng c th tn dng c s khch hng, mi quan h di hn
vi khch hng, h thng phn phi hin thi nhm to ra li th so vi cc knh
phn phi khc trong vic phn phi cc sn phm bo him nhm to ra thu nhp n
nh.
- Tng nng sut hot ng ca nhn vin ngn hng thng qua vic cung cp
thm cc sn phm bo him, do vy gip gim chi ph c nh mt cch tng i
cho ngn hng, ng thi, cc nhn vin ngn hng cng c thm ng lc v thu
nhp. Ngoi ra, vn ha bn hng thu nhn c trong hot ng kinh doanh bo
him s tc ng tch cc tr li i vi hot ng kinh doanh ca ngn hng, nng
cao cht lng dch v ngn hng.
- Tng cng thng hiu v uy tn ca mnh trn th trng, ng thi, to thm
nng lc i mi, gim bt s bin ng ca li nhun theo thi gian do kh nng
sinh li ca ngnh ngn hng v bo him thng bin ng khng theo cng mt chu
k. Thm vo , Bancassurance gip gim vn theo ri ro ca ngn hng. Vic
cung cp cc sn phm bo him gip gim thiu ri ro khng thu hi c n ca
ngn hng i vi cc khon cho vay.
- Gip tng ngun vn huy ng ca ngn hng t pha bo him. C th thy
trong cc tho thun hp tc ca cc Cng ty Bo him nhn th Vit Nam vi cc
ngn hng u bao hm cc tho thun u t tin hoc ph bo him thu c vo
ngn hng.
i vi Cng ty bo him
- Bancassurance to ra ngun khch hng mi, c hi cho cc sn phm mi v tit
kim chi ph nh quy m ln. Cng ty bo him c th tip cn v s dng ngun d
liu rt ln v khch hng ca ngn hng, qua gim chi ph phn phi sn phm.
C th thy, nhng khch hng ca ngn hng l nhng khch hng tim nng ln i
vi cc Cng ty bo him v h thng c thu nhp trung bnh kh tr ln v t nhiu
c thi quen s dng dch v ti chnh.
- a dng ha cc knh phn phi, tng cng kh nng cnh tranh nht l trong
giai on th trng bo ho, ng thi gim bt s bin ng li nhun theo thi
gian.
- Bn cc sn phm ngn hng cho khch hng tham gia bo him, qua gip
gim thiu ri ro pht sinh t vic giao dch bng tin mt, gii quyt tt bi ton thu
ph, thanh ton quyn li bo him bng tin mt. i vi cc nc m ngi dn c
thi quen s dng tin mt cao nh Vit Nam, iu ny rt c ngha. Thc t cho
thy, cc Cng ty bo him, c bit l cc Cng ty bo him nhn th Vit Nam
chu ri ro ln trong vic qun l tin mt trong qu trnh thu ph, gii quyt quyn li
bo him (mt cp, tin gi, nhm ln) v gii quyt bi ton rt ln v t chc lc
lng thu ph bo him. R rng, Bancassurance gip gim bt s l thuc ca Cng
ty bo him vo h thng i l v mi gii.
- Tng cng thng hiu v uy tn ca mnh trn th trng trong vic s dng uy
tn v thng hiu ca ngn hng, v trn thc t h thng ngn hng thng c uy tn
rt ln trong i sng kinh t x hi. i vi khch hng Khch hng c s dng
cc dch v ti chnh trn gi vi chi ph thp hn v thun tin hn. Khch hng c
th qun l ri ro tt hn v hoch nh ti sn hiu qu hn. ng thi, khch hng
c th c hng cc dch v gia tng khc. Bn cnh , khi mua bo him ti ngn
hng, khch hng c th c thm nim tin v c thm mt ngi na bo lnh uy
tn cho Cng ty bo him. Khch hng cng c th c hng li t chnh sch u
i thu ca Nh nc.