{"id":2130,"date":"2019-05-27T22:42:53","date_gmt":"2019-05-27T19:42:53","guid":{"rendered":"https:\/\/super-news.info\/vi\/vi-sao-hang-loat-cong-ty-bao-hiem-nhan-tho-lo-nang\/"},"modified":"2019-05-27T22:42:54","modified_gmt":"2019-05-27T19:42:54","slug":"vi-sao-hang-loat-cong-ty-bao-hiem-nhan-tho-lo-nang","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/vi-sao-hang-loat-cong-ty-bao-hiem-nhan-tho-lo-nang\/","title":{"rendered":"V\u00ec sao h\u00e0ng lo\u1ea1t c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u1ed7 n\u1eb7ng?"},"content":{"rendered":"

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H\u00e0ng lo\u1ea1t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u00e1o l\u1ed7 trong n\u0103m 2018<\/b><\/p>\n

Th\u1ed1ng k\u00ea s\u01a1 b\u1ed9 cho th\u1ea5y, c\u00f3 \u0111\u1ebfn kho\u1ea3ng 10 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ghi nh\u1eadn l\u1ed7 trong n\u0103m 2018, t\u1ee9c chi\u1ebfm qu\u00e1 n\u1eeda t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hi\u1ec7n nay.<\/p>\n

Trong \u0111\u00f3, l\u1ed7 n\u1eb7ng nh\u1ea5t l\u00e0 Manulife v\u1edbi kho\u1ea3n l\u1ed7 l\u00ean t\u1edbi 2.722 t\u1ef7 \u0111\u1ed3ng, t\u0103ng h\u01a1n 2 l\u1ea7n so v\u1edbi kho\u1ea3n l\u1ed7 t\u1eebng ghi nh\u1eadn trong n\u0103m 2017. Theo \u0111\u00f3, l\u1ed7 l\u0169y k\u1ebf c\u1ee7a Manulife cu\u1ed1i n\u0103m 2018 l\u00ean t\u1edbi 2.356 t\u1ef7 \u0111\u1ed3ng. <\/p>\n

M\u1eb7c d\u00f9 c\u00f3 c\u1ea3i thi\u1ec7n so v\u1edbi n\u0103m tr\u01b0\u1edbc \u0111\u00f3, Generali v\u00e0 Aviva, Hanwha Life v\u1eabn b\u1ecb l\u1ed7 l\u1ea7n l\u01b0\u1ee3t 998 t\u1ef7 \u0111\u1ed3ng, 320 t\u1ef7 \u0111\u1ed3ng v\u00e0 187 t\u1ef7 trong n\u0103m 2018. <\/p>\n

B\u00ean c\u1ea1nh nh\u1eefng c\u00e1i t\u00ean n\u00f3i tr\u00ean, h\u00e0ng lo\u1ea1t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00e1c nh\u01b0 Sun Life, Ph\u00fa H\u01b0ng Life, BIDV Metlife, MB Ageas Life,..c\u0169ng b\u1ecb l\u1ed7 trong n\u0103m 2018. <\/p>\n

Vi\u1ec7c c\u00f3 t\u1edbi qu\u00e1 n\u1eeda doanh nghi\u1ec7p BHNT b\u1ecb l\u1ed7 trong n\u0103m 2018 m\u1eb7c d\u00f9 doanh thu ph\u00ed v\u1eabn t\u0103ng tr\u01b0\u1edfng m\u1ea1nh \u0111\u1ebfn t\u1eeb nhi\u1ec1u nguy\u00ean nh\u00e2n. Trong \u0111\u00f3 bao g\u1ed3m vi\u1ec7c l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 gi\u1ea3m xu\u1ed1ng m\u1ee9c th\u1ea5p h\u01a1n d\u1ef1 ki\u1ebfn trong th\u1eddi gian qua (c\u00e1c DNBHNT \u0111\u1ea7u t\u01b0 r\u1ea5t nhi\u1ec1u v\u00e0o tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7), k\u00e9o theo s\u1ef1 s\u1ee5t gi\u1ea3m m\u1ea1nh c\u1ee7a l\u00e3i su\u1ea5t chi\u1ebft kh\u1ea5u \u00e1p d\u1ee5ng \u0111\u1ec3 t\u00ednh d\u1ef1 ph\u00f2ng k\u1ef9 thu\u1eadt. <\/p>\n

Nhi\u1ec1u DNBH nh\u00e2n th\u1ecd \u0111\u00e3 ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng l\u1edbn trong n\u0103m qua. Manulife cho bi\u1ebft, n\u0103m 2018, t\u1ed5ng doanh thu c\u1ee7a doanh nghi\u1ec7p n\u00e0y \u0111\u1ea1t 13.118 t\u1ef7 \u0111\u1ed3ng, trong \u0111\u00f3 doanh thu ph\u00ed b\u1ea3o hi\u1ec3m thu\u1ea7n \u0111\u1ea1t 10.857 t\u1ef7, l\u1ea7n l\u01b0\u1ee3t t\u0103ng 31% v\u00e0 36% so v\u1edbi n\u0103m 2017. Tuy nhi\u00ean, Manulife \u0111\u00e3 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng l\u00ean t\u1edbi 7.228 t\u1ef7 \u0111\u1ed3ng, l\u00e0 nguy\u00ean nh\u00e2n ch\u00ednh d\u1eabn t\u1edbi kho\u1ea3n l\u1ed7 sau thu\u1ebf t\u1edbi h\u01a1n 2.173 t\u1ef7 \u0111\u1ed3ng. Kho\u1ea3n tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng t\u1ea1i doanh nghi\u1ec7p n\u00e0y chi\u1ebfm t\u1edbi 2\/3 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng n\u0103m 2018. <\/p>\n

Trong khi \u0111\u00f3, Generali c\u0169ng th\u1eeba nh\u1eadn n\u0103m 2017 v\u00e0 2018 v\u1eeba qua, kho\u1ea3n l\u1ed7 cao h\u01a1n so v\u1edbi d\u1ef1 ki\u1ebfn khi d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5 b\u1ea3o hi\u1ec3m t\u0103ng \u0111\u1ed9t ng\u1ed9t do \u1ea3nh h\u01b0\u1edfng c\u1ee7a vi\u1ec7c gi\u1ea3m l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7, c\u1ed9ng v\u1edbi vi\u1ec7c Generali s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p l\u1eadp d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5 th\u1eadn tr\u1ecdng v\u00e0 ch\u1ecbu \u1ea3nh h\u01b0\u1edfng m\u1ea1nh c\u1ee7a vi\u1ec7c thay \u0111\u1ed5i l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 theo y\u00eau c\u1ea7u c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh. C\u00e1c y\u00eau c\u1ea7u kh\u00e1ch quan n\u00e0y \u0111\u00e3 khi\u1ebfn d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5 v\u00e0 l\u1ed7 ho\u1ea1t \u0111\u1ed9ng t\u0103ng th\u00eam 751 t\u1ef7 \u0111\u1ed3ng trong n\u0103m 2017 v\u00e0 922 t\u1ef7 \u0111\u1ed3ng trong n\u0103m 2018. <\/p>\n

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T\u1ed5ng h\u1ee3p t\u1eeb BCTC n\u0103m 2018 c\u1ee7a c\u00e1c doanh nghi\u1ec7p BHNT<\/p>\n<\/div>\n<\/div>\n

Ngo\u00e0i ra, vi\u1ec7c c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, ch\u1ee7 y\u1ebfu l\u00e0 c\u00e1c doanh nghi\u1ec7p m\u1edbi \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng b\u1ecb l\u1ed7 l\u00e0 do \u0111\u1eb7c th\u00f9 kinh doanh BHNT. <\/p>\n

M\u1ed9t h\u1ee3p \u0111\u1ed3ng BHNT th\u01b0\u1eddng k\u00e9o d\u00e0i nhi\u1ec1u n\u0103m, v\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng n\u1ed9p h\u00e0ng n\u0103m. Chi ph\u00ed m\u00e0 c\u00f4ng ty BHNT ph\u1ea3i b\u1ecf ra l\u1ea1i th\u01b0\u1eddng ph\u00e1t sinh nhi\u1ec1u nh\u1ea5t nh\u1eefng n\u0103m \u0111\u1ea7u khi h\u1ee3p \u0111\u1ed3ng m\u1edbi \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh. Theo Lu\u1eadt kinh doanh BHNT, t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c t\u1ea5t to\u00e1n v\u00e0o b\u00e1o c\u00e1o l\u00e3i l\u1ed7 khi ph\u00e1t sinh, trong khi doanh thu ph\u00ed c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y kh\u00f4ng \u0111\u1ebfn ngay m\u1ed9t l\u1ea7n m\u00e0 tr\u1ea3i \u0111\u1ec1u qua c\u00e1c n\u0103m. Do v\u1eady, c\u00e1c c\u00f4ng ty BHNT m\u1edbi ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam, nh\u1ea5t l\u00e0 nh\u1eefng c\u00f4ng ty c\u00f3 t\u0103ng tr\u01b0\u1edfng doanh thu cao th\u01b0\u1eddng ph\u1ea3i ch\u1ecbu l\u1ed7 qua m\u1ed9t s\u1ed1 n\u0103m cho \u0111\u1ebfn khi c\u00f3 \u0111\u01b0\u1ee3c quy m\u00f4 l\u1edbn. <\/p>\n

Ngo\u00e0i nh\u1eefng nguy\u00ean nh\u00e2n kh\u00e1ch quan nh\u01b0 tr\u00ean, m\u1ed7i doanh nghi\u1ec7p c\u0169ng c\u00f3 ho\u00e0n c\u1ea3nh ri\u00eang. Ch\u1eb3ng h\u1ea1n nh\u01b0 t\u1ea1i Aviva, theo gi\u1ea3i th\u00edch c\u1ee7a l\u00e3nh \u0111\u1ea1o ban \u0111i\u1ec1u h\u00e0nh, n\u0103m 2018 tuy v\u1eabn ch\u01b0a c\u00f3 l\u00e3i nh\u01b0ng m\u1ee9c l\u1ed7 c\u0169ng \u0111\u00e3 th\u1ea5p h\u01a1n so v\u1edbi n\u0103m 2017. Doanh thu thu\u1ea7n c\u1ee7a c\u00f4ng ty v\u1eabn t\u0103ng tr\u01b0\u1edfng 485 t\u1ef7 so v\u1edbi n\u0103m 2017, \u0111\u1ea1t 1.457 t\u1ef7 \u0111\u1ed3ng. Tuy nhi\u00ean, t\u1ef7 l\u1ec7 chi ph\u00ed b\u00e1n h\u00e0ng v\u00e0 t\u1ef7 l\u1ec7 chi ph\u00ed qu\u1ea3n l\u00fd doanh nghi\u1ec7p tr\u00ean doanh thu ph\u00ed b\u1ea3o hi\u1ec3m l\u1ea7n l\u01b0\u1ee3t l\u00e0 34% v\u00e0 13%, m\u1eb7c d\u00f9 c\u00f3 c\u1ea3i thi\u1ec7n so v\u1edbi n\u0103m 2017 nh\u01b0ng ch\u01b0a \u0111\u00e1ng k\u1ec3 v\u00e0 v\u1eabn \u1edf m\u1ee9c cao. Hi\u1ec7n t\u1ea1i c\u00f4ng ty n\u00e0y \u0111ang trong giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n c\u1ea7n th\u00fac \u0111\u1ea9y t\u1ef7 tr\u1ecdng khai th\u00e1c m\u1edbi n\u00ean chi ph\u00ed khen th\u01b0\u1edfng, h\u1ed7 tr\u1ee3 b\u00e1n h\u00e0ng l\u00e0 r\u1ea5t l\u1edbn so v\u1edbi c\u00e1c chi ph\u00ed kh\u00e1c (chi\u1ebfm 23% t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m). Ngo\u00e0i ra, chi ph\u00ed nh\u00e2n vi\u00ean c\u1ee7a c\u00f4ng ty c\u0169ng chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn so v\u1edbi doanh thu ph\u00ed b\u1ea3o hi\u1ec3m (13%). <\/p>\n

H\u00e0ng lo\u1ea1t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u1ecb l\u1ed7 trong b\u1ed1i c\u1ea3nh n\u1edf r\u1ed9 h\u00ecnh th\u1ee9c ph\u00e2n ph\u1ed1i qua qua ng\u00e2n h\u00e0ng (bancassurance) c\u0169ng \u0111\u1eb7t ra nhi\u1ec1u nghi ng\u1ea1i r\u1eb1ng nguy\u00ean nh\u00e2n l\u1ed7 l\u00e0 do c\u00e1c h\u1ee3p \u0111\u1ed3ng k\u00fd k\u1ebft v\u1edbi c\u00e1c nh\u00e0 b\u0103ng. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 ch\u1ec9 x\u1ea3y ra \u1edf c\u1ee5c b\u1ed9, t\u1ea1i c\u00e1c doanh nghi\u1ec7p v\u1eeba k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u1edbi ph\u00eda ng\u00e2n h\u00e0ng trong n\u0103m \u0111\u1ea7u ti\u00ean.<\/p>\n

M\u1ed9t s\u1ed1 kh\u00e1c l\u1ea1i b\u1ea5t ng\u1edd “l\u1eadt ng\u01b0\u1ee3c t\u00ecnh th\u1ebf”, b\u00e1o l\u00e3i \u0111\u1eadm<\/b><\/p>\n

Trong khi nh\u1eefng c\u00e1i t\u00ean n\u00f3i tr\u00ean b\u1ecb l\u1ed7, m\u1ed9t s\u1ed1 doanh nghi\u1ec7p kh\u00e1c l\u1ea1i “tr\u1edf m\u00ecnh” ngo\u1ea1n m\u1ee5c, kh\u00f4ng ch\u1ec9 tho\u00e1t l\u1ed7 m\u00e0 th\u1eadm ch\u00ed c\u00f2n ghi nh\u1eadn m\u1ee9c l\u1ee3i nhu\u1eadn kh\u00e1 cao, \u0111i\u1ec3n h\u00ecnh nh\u01b0 Dai-ichi Life v\u00e0 Prudential. <\/p>\n

B\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u1ee7a Dai-ichi Life cho bi\u1ebft, n\u0103m 2018, c\u00f4ng ty c\u00f3 l\u00e3i 57 t\u1ef7 \u0111\u1ed3ng, trong khi tr\u01b0\u1edbc \u0111\u00f3 b\u1ecb l\u1ed7 515 t\u1ef7 trong n\u0103m 2017. T\u1ed5ng doanh thu trong n\u0103m 2018 c\u1ee7a Dai-ichi Life t\u0103ng t\u1edbi 40% \u0111\u1ea1t 12.337 t\u1ef7 \u0111\u1ed3ng; trong khi \u0111\u00f3, chi ph\u00ed ch\u1ec9 t\u0103ng 32%. <\/p>\n

C\u00f2n t\u1ea1i Prudential, c\u00f4ng ty b\u00e1o l\u00e3i tr\u01b0\u1edbc thu\u1ebf \u0111\u1ea1t 554 t\u1ef7 \u0111\u1ed3ng, trong khi n\u0103m tr\u01b0\u1edbc b\u1ecb l\u1ed7 t\u1edbi 1.382 t\u1ef7. Trong khi doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh s\u1ee5t gi\u1ea3m kh\u00e1 m\u1ea1nh (gi\u1ea3m 15%), doanh thu t\u1eeb kinh doanh b\u1ea3o hi\u1ec3m t\u0103ng tr\u01b0\u1edfng cao \u0111\u1ea1t 19.019 t\u1ef7 \u0111\u1ed3ng (t\u0103ng 19%).<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, c\u1ea3 Prudential v\u00e0 Dai-ichi Life \u0111\u1ec1u b\u1ecb l\u1ed7 n\u1eb7ng trong n\u0103m 2017, ch\u1ee7 y\u1ebfu do k\u00fd th\u1ecfa th\u1eadn h\u1ee3p t\u00e1c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng: Prudential h\u1ee3p t\u00e1c v\u1edbi Maritime Bank v\u00e0 VIB, Dai-ichi Life h\u1ee3p t\u00e1c v\u1edbi Sacombank v\u00e0 SHB. Theo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng s\u1ebd ph\u1ea3i chi tr\u1ea3 m\u1ed9t kho\u1ea3n nh\u1ea5t \u0111\u1ecbnh kh\u00e1 l\u1edbn cho ng\u00e2n h\u00e0ng g\u1ecdi l\u00e0 ph\u00ed tr\u1ea3 tr\u01b0\u1edbc v\u00e0o l\u00fac k\u00fd k\u1ebft th\u1ecfa thu\u1eadn. Trong khi b\u1ea3o hi\u1ec3m ghi nh\u1eadn v\u00e0o chi ph\u00ed th\u00ec c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd h\u1ea1ch to\u00e1n v\u00e0o c\u00e1c kho\u1ea3n thu \u0111\u1ed9t bi\u1ebfn trong m\u1ea3ng d\u1ecbch v\u1ee5. <\/p>\n

Vi\u1ec7c b\u1ea5t ng\u1edd tr\u1edf m\u00ecnh trong n\u0103m 2018 c\u1ee7a 2 doanh nghi\u1ec7p BHNT n\u00f3i tr\u00ean c\u0169ng kh\u00f4ng ngo\u00e0i kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 t\u1eeb k\u00eanh b\u00e1n h\u00e0ng qua ng\u00e2n h\u00e0ng, gi\u00fap c\u1ea3i thi\u1ec7n doanh thu ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e1ng k\u1ec3. <\/p>\n

Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ebft qu\u1ea3 l\u1ee3i nhu\u1eadn cao nh\u1ea5t trong n\u0103m 2018 v\u1eabn l\u00e0 “\u00f4ng l\u1edbn” B\u1ea3o Vi\u1ec7t Nh\u00e2n th\u1ecd, m\u1eb7c d\u00f9 s\u1ee5t gi\u1ea3m nh\u1eb9, nh\u01b0ng v\u1eabn ghi nh\u1eadn m\u1ee9c l\u00e3i \u0111\u1ea1t tr\u00ean 950 t\u1ef7 \u0111\u1ed3ng trong n\u0103m 2018. <\/p>\n

Tri\u1ec3n v\u1ecdng trong n\u0103m 2019 s\u1ebd nh\u01b0 th\u1ebf n\u00e0o? <\/b><\/p>\n

Th\u00f4ng t\u01b0 s\u1ed1 01\/2019\/TT-BTC c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 16\/2\/2019, s\u1eeda \u0111\u1ed5i Th\u00f4ng t\u01b0 s\u1ed1 50\/2017\/TT-BTC, \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd gi\u00fap t\u00ecnh h\u00ecnh v\u1ec1 v\u1ed1n, l\u00e3i c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n. <\/p>\n

“Th\u00e1ng 2\/2019, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 c\u00f3 quy\u1ebft \u0111\u1ecbnh cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 thay \u0111\u1ed5i li\u00ean quan \u0111\u1ebfn l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5. V\u1edbi s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh n\u00e0y, d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5 s\u1ebd gi\u1ea3m v\u00e0 kho\u1ea3n gi\u1ea3m n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c ghi nh\u1eadn v\u00e0o l\u1ee3i nhu\u1eadn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty trong n\u0103m 2019”, Generali cho bi\u1ebft khi k\u1ef3 v\u1ecdng c\u00f3 k\u1ebft qu\u1ea3 kinh doanh kh\u1ea3 quan h\u01a1n trong n\u0103m 2019. C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng k\u1ef3 v\u1ecdng, t\u1eeb nay \u0111\u1ebfn cu\u1ed1i n\u0103m, l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 s\u1ebd c\u00f3 di\u1ec5n bi\u1ebfn \u0111i l\u00ean. <\/p>\n

Ngo\u00e0i ra, sau khi \u0111\u00e3 k\u00fd k\u1ebft h\u1ee3p t\u00e1c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng k\u1ef3 v\u1ecdng k\u00eanh Bancassurance s\u1ebd \u0111em v\u1ec1 doanh thu b\u1ea3o hi\u1ec3m cao h\u01a1n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y. Trong khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u01b0a c\u1eadp nh\u1eadt k\u1ebft qu\u1ea3 kinh doanh qu\u00fd 1\/2019, \u1edf nhi\u1ec1u nh\u00e0 b\u0103ng \u0111\u00e3 b\u00e1o l\u00e3i l\u1edbn v\u1edbi vi\u1ec7c ghi nh\u1eadn t\u0103ng tr\u01b0\u1edfng kh\u00e1 t\u1ed1t \u1edf ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, \u0111\u00e1ng l\u01b0u \u00fd kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng kho\u1ea3n thu \u0111\u1ed9t bi\u1ebfn ghi nh\u1eadn m\u1ed9t l\u1ea7n t\u1eeb vi\u1ec7c k\u00fd k\u1ebft th\u1ecfa thu\u1eadn. \u0110\u00e2y c\u0169ng c\u00f3 th\u1ec3 l\u00e0 t\u00edn hi\u1ec7u t\u1ed1t \u0111\u1ec3 k\u1ef3 v\u1ecdng c\u00e1c doanh nghi\u1ec7p BHNT c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 t\u00edch c\u1ef1c t\u01b0\u01a1ng t\u1ef1, trong m\u1ed1i quan h\u1ec7 win – win v\u1edbi nh\u00e0 b\u0103ng. <\/p>\n<\/div>\n

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[ad_1] H\u00e0ng lo\u1ea1t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u00e1o l\u1ed7 trong n\u0103m 2018 Th\u1ed1ng k\u00ea s\u01a1 b\u1ed9 cho th\u1ea5y, c\u00f3 \u0111\u1ebfn kho\u1ea3ng 10 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ghi nh\u1eadn l\u1ed7 trong n\u0103m 2018, t\u1ee9c chi\u1ebfm qu\u00e1 n\u1eeda t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hi\u1ec7n nay. Trong \u0111\u00f3, l\u1ed7 n\u1eb7ng […]<\/p>\n","protected":false},"author":2,"featured_media":2131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nV\u00ec sao h\u00e0ng lo\u1ea1t c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u1ed7 n\u1eb7ng? - Super News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/super-news.info\/vi\/vi-sao-hang-loat-cong-ty-bao-hiem-nhan-tho-lo-nang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00ec sao h\u00e0ng lo\u1ea1t c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u1ed7 n\u1eb7ng? - Super News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] H\u00e0ng lo\u1ea1t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u00e1o l\u1ed7 trong n\u0103m 2018 Th\u1ed1ng k\u00ea s\u01a1 b\u1ed9 cho th\u1ea5y, c\u00f3 \u0111\u1ebfn kho\u1ea3ng 10 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ghi nh\u1eadn l\u1ed7 trong n\u0103m 2018, t\u1ee9c chi\u1ebfm qu\u00e1 n\u1eeda t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hi\u1ec7n nay. 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