T«PCliClMTlMR6 THl/C TRANG THI HANH CAC QUY DINH VE BANCASSURANCI NHCTNG V A N D E P H A P L Y DAT RA VA PHl/CfNG Hl/CfNG HOAN THl|;N • DINH VAN LINH T6MTAT: Bancassurance Ik boat ddng phSn phoi c5c sin phim bSo hi^m qua h? thdng ng§n hSng NhOng quy djnh ciia ph^p lu§t hi€n h^nh da thiet l$p mOt hknh lang ph&p Iy tt/dng d^i diy diJ, thdng thoang nhifng vSn bdc l$c mpt sd^di^m c^n phii ho^n thi$n thdi gian tdi Bai vi^t d l cSp tdi nhiJng di^m dat dtfdc cung nhtf cic vifdng m^c cdn t6n tai c i c quy dinh v$ bancassurance, tiir dd difa cac htfdng hoEln thien nhihig vifdng mJic dd Tiir khda: Bancassurance, phin ph^i bio hi^m qua ngSn h^lng, kinh doanh bio hi^m, dsii l^ bio hi^m l.D$tv&'ndl Do 81/ phix tiiin khdng ngifng cua bancassurance thdi gian qua nen viec thie't lap mOt hang lang phip IJ dly dii, thdng thoing nhlim thiic Aiy hoat ddng phit trien la m0t dieu tat yd'u Tuy nhien, qua trinh thifc thi cic quy dinh v^ bancassurance da phit sinh nhflng diem bS't cap c^n hoin thien Bii vie't tip trung phSn tich thifc trang thi hanh cic quv dinh ciia phip luSt vi bancassurance tir dd lim rd nhflng van dc cdn vifdng m5c vik de xuat cic phifdng hifdng nh^m giii quyet cii v j'n dedd 56 Sd U - Thang 5/2020 Thifc tr^ng thi hanh c^c quy djnh vl bancassurance Thii nhdt, cdc quy dinh vS bancassurance hi$n da mang tinh dong b0 vd thdng nhdt cao Tnfdc Luat Cic td chflc tin dung (TCTD), LuSt Kinh doanh bio hidm (KDPHj ddi, bancassurance chfi y^u difttc quy di'h r^Ji ric tin ,„„ man vi mang tinh nguydn tic, chun cic van bin difdi luat nhif nghi (' j^^ Dieu dd dan dS'n h^ qui la nhieu ,u, ,^ ^^ trpng ve van di niy khdng difpc d., , , ^ - ^ cich rd ring nhif: (I) Dieu ki?n de NHTM /(jc phdp tham gia ho?t dOng KDBH; (2) Cac md i.mh LIAT NHTM phai thiet lap tham gia hoat ddng nay: I ?) Trich nhiem cua NHTM va CTBH hdp t i c lien kci (4) Trach nhiem bao cao vdi cd quan quin ly nhi nUdc chuyen nginh Tif dan ldi sy tuv lien qui trinh thyc hien va ap dung Lual cic TCTD, Lual KDBH ddi mot mat vifa nang cao tinh dong bd, thdng nhi't cic quy dinh ve bancassurance, mdt mil giup cho boat dpng nav trd nen hieu qui, mang lai ldi ich cho NHTM CTBH va cho ngifdi mua bdo hiem Thd hai, cdc quy dinh vi bancassurance dd tuang ddi chat che ddy dti minh bgch tU giup cho cd NHTM CTBH deu co lai Sif lien ke't gifla cac NHTM va CTBH dang trd thinh xu hu'dng phat trien mdi, dem lai nhflng bfldc di chidn lu'dc va thu du'dc nhieu qua cho ca hai Dd la Nha nfldc da ban hanh mdt hanh lang phip ly day du, dung dan cho hoat ddng niy Theo bio cio cua Cue Giam sat bio hiem, cd 18/29 CTBH nhan thp; 9/14 CTBH phi nhan tho da vin dung cic md hinh theo Luat djnh de' cung vdi cac NHTM lham gia phan phd'i bao hiem Mflc/sd phi thu du'dc qua kdnh phan phd'i se tid'p tuc tang tru'dng cac nam 2019, 2020 lan Ifldl la 239^ va 26'/f Ngoai sif ISng tnfdng ndi chung thu nhap dem lai cho cic ngan hang thdi gian qua that dang khich Id Ddn cu* nhfl quy nam 2019 ViB tang 10 lan, TechcomBank ting v> V7r va VPBank tang 20,5% so vdi ciing ky nam tnfdc Nhfl vay cd the thay rhng, ldi nhuan tang tnfdng dem lai cho NHTM va CTBH phan phoi bao hiem qua ngan hang la rat ldn va cd tiem nang tifdng !ai Mdt hanh lang phap ty chat che, day dii minh bach, thdng thoang la dieu kien thuan ldi dc cac NHTM va CTBH gia tang tlm kiem ldi nhuan cho minh Thd quy dinh ve cdc sdn phdin bdo hiem dugc cung cap qua bancassurance Id phd hgp vdi xu hut'fng tren ihuc tiin Hien tren thu'c id', cac san pham bao hiem dtfdc cic NHTM phan phdi la cac san pham bao hid'm nhan thp (BHNT) hoac bao hie'm phi nhan thp (BHPNT) (theo Thdng tfl sd 37/2019/TTNHNN) Theo quy dinh tai Khoan 18 Dieu va Khoin 1, Dieu Luji KDBH cho phdp cung cap ca hai loai la phii hdp vdi \u hifdng phii trien ciia xa hdi va qud'c te' Bdi cac san pham BHNT va BHPNT ke't hdp vdi cic san pham ngan hang (san pham bio hiem tich hdp) se phit huy difdc tie dung Nhu'vav cd the tha'y, cic san pham bao hiem difdc phan phdi qua NHTM ra't phong phu va da dang Cic quy dinh cua phip luat da tao mpt hanh lang thdng thoang de cac NHTM vii CTBH cd the hdp tic cilng trdn du'dng lim kie'm ldi nhuan Thi'f tu viec quy djnh bancassurance giup cho cdc ben tham gia chii dgng lUa chgn mo hinh phii hgp vdi tinh hinh kinh doanh c ua minh, nhdm tdi da hda lai nhudn Theo quy dinh hien hanh, bancassurance du'dc irien khai qua 03 mo hlnh du'dc quy dinh lai Didu 106 Khoan Dieu 103 Khoan va Khoan Dieu 103 Luat Cac TCTD; Dieu 86 Luat KDBH; Dieu Thdng tif lidn tich sd 86/2014/TTLT-BTCNHNNVN gom: Thda than phan phd'i; Lidn doanh; Sd hifu ddn nha'l (ddc quyen) Viec Ifla chon md hinh nao thi cdn phu thuoc vao chinh NHTM dd cd dap dng du'dc cic dieu kien phap lual quy dinh hay khdng Trdn thflc lien, 03 md hinh tren da dfldc trien khai mgl each rpng rai va da dem lai nhflng tifu rat ding ke, tif dd dem lai thu nhap on dinh cho cac NHTM va CTBH Ddn cii' nhfl: Md hlnh phan phd'i bao hid'm tai Tong CTCP Bao hiem Ngan hang Dau tif va Phat trien Viet Nam (gpi til la BIC) - Md hinh sd hflu ddn nhal; Cdng ly Bao hiem Ngan hang Ndng nghiep Viet Nam (goi tit la ABIC) - M6 hinh lidn doanh; Cdng ty Bao hiem Ngan hang Cdng thfldng Viet Nam - Mo hlnh sd hflu ddn nhai; Cdng ty TNHH bao hiem Nhan tho Vietin - Aviva - Md hlnh sd hflu ddn nha'l; Cong ty TNHH Bao hiem nhan tho Vieicombank - Cardif (VCLI) - Md hinh lidn doanh Ngoai cac md hlnh lien doanh hdp tic va gdp vd'n, mua co phan cac NHTM cdn tham gia phan phdi bao hiem qua hdp dong dai ly Ddn ciJ nhfl Viednbank lam dai Iy cho Bao Viet (2001) Techcombank dai ly cho Bio Viet (2006) AABank dai ly cho Cdng ty TNHH Nhan Thp Prevoir Viet Nam (2008) ACB vdi Cong ly Bao hiem Al A Viet Nam (2010) So 11 -Thdng 5/2020 57 lAPCiciiRiiHm Ho^l dOng kinh doanh bSo hiem theo cdc m6 hinh c(S 10i the hon so vdi KDBH thuin d cho se tan dung diroc mol CO sd khich hing rpng ldn cua NHTM Ben cjnh c6n ditdc sil hSu thuan ve &i chinh, chiSn iifOc phdl tii^n va ve ca uy lin hoat dong vdi 16ng tin tifdng Idu dii cila khdch hing M0t so via d l phap ly dJt qua trinh thi/c Ihi cdc quy djnh vl bancassurance Thti nhd't Ihieu viing quy djnh chi tie! d&n d^n sir khong Ihong nhal Irong thiXc tiin dp dung guy dfnh liSn quan den hoa hong dai ly bdo hiem Theo Diim d Khoan 1, Dieu 85 Nghi dinh so 73/2016/ND-CP hifdng dan chi tiet Ludt KDBH NHTM ldm dai IJ bdo hilm cho CTBH thi "cd quyln hudng hoa hing tCf hoat dpng dai ly bao hiim" Theo quy djnh lai Diiu 41 ciia Nghi dinh ndy Ihi "miic chi trd hoa hong dii^c thtfc hi?n theo quy dinh tai Diiu cua Th6ng ttf sS 50/2017/TTBTC htfdng dSn Nghi dinh sS 73/2016/ND-CP" Cdc NHTM thtfc hi?n dai IJ bdo hilm cho CTBH phdi tudn thd cdc nguyen tac vd cic hdnh vi bi cd'm theo quy dinh tai Diiu 83 Nghi dinh so 73/2016/ND-CP vi Diiu Thong ttf lien tich stf 86/2014/TTLT-BTC-NHNNVN Theo do, "NHTM khtfng dtfOc tranh giinh khdch hang dtfdi cdc hinh dilJc: Ngin cdn, 16i k6o, mua chudc, de doa nhin vi6n hodc khdch hing cfia DNBH" Tr6n thtfc liln hidn nay, stf canh tranh khtfc li#l gifla cdc CTBH vi gifla cdc NHTM vdi ndn de gidnh dtfdc h0p dong vdi khdch hing li diiu khdng h i de ding Do vdy, da cd raft nhilu nhin vien cOa NHTM (ldm dai IJ cho CTBH) tien hanh bdt mpt phin tiln dtfdc trd tCf hoa hing bao hilm nhdm tra cho khach hang v i ky dtfpc hdp ding hodc de gifl dtfdc khich hdng Hidn nay, viec hoin lai cho khdch hdng mpt phan lien tfl hoa htfng bdo hilm dang cd nhilu each hilu khdc Cd nhilu ngtfdi thi hilu rang day la hanh vi vi pham phdp luat vi cd bieu hi^n li hdnh vi mua chutfc khach hing (rdi vdo cdc trtfdng hpp bj cd'm nhtf da nlu d trdn) vd bi x^phat theo quy dinh tai Dilm b, Khodn Diiu 15 van bin hop nhat so 08/VBHN-BTC ngiy 16/04/2018 quy dinh vl x i phat vi pham hdnh chinh tt-ong Hnh viri; kmh 58 Stf 11-Thang 5/2020 doanh bdo hilm, kinh doanh xtf stf Bon ,•'•"• ; cd ngtfdi cho ring, khoin hoa hing n ^ ~i" ' * ' dtfdc trd cho nhin vidn Ihl da thutfc quvcn ^d hifu cda nhdn vien, li thu nhfip chiu thue ou.i nhfin vien, viy nhfin vidn hoin todn cd quyen djnh doat stf tiln dd Mdt khic, hidn theo vdn bSn hpp nhSit stf 08/VBHN-BTC 16/04/2018 quy dinh vl xd" ph^t vi pham hdnh chinh linh vvtc kinh doanh b i o hilm, kinh doanh xtf stf khdng thd'y cd quy dinh xiJ phat vl hdnh vi ndy (my nhien, trtfdc ddy Dilm d, Khoin 1, Diiu 23 Nghi dinh stf 41/2009/ND-CP ngiy 05/05/2009 vl xiS ph?t vi pham hinh chinh linh vi/c kinh doanh bdo hiim (nay da htft hidu lijc), cd quy dinh vi x i ph?t vl hanh vi hfla hen gidm phi bdo hilm, hodn phi bdo hilm hoic cdc quyln liji khdc doanh nghi?p bdo hilm khtfng cam kit vdi khdch hdng se bi phat tiln 30 tri|u ding) Nhtf v§y, phdi quy dinh chi tilt thdm vl v£n d l ndy d l gidp cho hoat dtfng dai IJ trd ndn minh b^ch, trdnh flnh trang ldi kdo khdch hdng, ldm dnh htfdng tdi uy tin cOa cdc CTBH Thti hai, thUu vang quy dinh tnfc lify vi vile Mnh IU, IhA ttic CTBH tiip nhan phdn von gdp, cdphin lit NHTM NHTM dtfdc gdp vtfn, mua co phan cua CTBH theo quy dinh tai Dilm a, Khoin 4, Diiu 103 Lu^t cac TCTD vd phai dtfdc si/ chCp thudn trtfdc bdng vin bdn cQa Ngfin hang Nhi ntfdc Gdp vtfn, mua ctf phin trtfdng hpp ndy dtfdc hieu li CTBH da dtfpc thinh Idp va hoat dtfng, CTBH tiep nhdn thdm phin vtfn, ctf phan NHTM gdp vio hoac mua ctf phan Tuy nhien, CTBH nh^n gdp vtfn, ctf phan tijf cdc NHTM tM thid'u v^ng di cdc ninh hf thii tuc d l CTBH niy tilp nhdn phin von gdp, ctf phan tfl NHTM Hidn tai, vide tilp nhan phin vtfn gdp, Co phan tfl NHTM dang dtf(?c diiu chinh tai Diiu 18 Nghi dinh stf 73/2016/NDCP vl van de tang vtfn diiu Id Tuy nhiun ddy chi la hinh ttf, thu tuc tnrdng hpp CTBH mutfn ldng von diiu Id Uii cin phii ddp dng diiu kidn, trinh ttf, thii tuc tai Diiu 18 chtf khtfni: piidi (^ ( ^ ^ ttf thii tuc ridng bi?t cho mfdng h0p ufp ^^^^^ them thdnh vidn mdi (gdp von hodc mua cl phjj „) Mat khic, cung thilu ving di quy dinh kh, nfp llAl nh?n vidn mdi li NHTM thi cd dat yeu cau phii bao cio vi di/dcsuphe chuan tnrdctijfcd quan quan ly nha nifdc ITnh viic bao hiem (Cue Quin ly giim sit bao hiem; Bd Tai chinh) hay khdng Thd ba, thieu vdng quy djnh phdn dinh ro trdch nhifm cda NHTM vd CTBH ddi vdi khdch hdng irUdng help NHTM ldm dgi ly bdo hiem nhung CO hanh vi vi phgm diiu cam hogt dgng daily Cac hinh vi bi cam irong hoat ddng dai ly di/dc quy dinh cu the tai Khoan 4, Dieu 83 Nghi dinh so' 73/2016/ND-CP Theo quy dinh tai Diem d, Khoan 2, Dieu Thdng tiT sd' 86/2014/TTLTBTC-NHNNVN; Dieu 88 va Dieu 19 Luat Kinh doanh bao hiem thi tn/dng hdp ma dai ly bio hiem (la cac NHTM) vi pham hdp dong, gay Uiidt hai cho ngifdi du'dc bao hiem CTBH \an phai chiu irach nhidm ve hdp dong dai ly dai ly thu xep giao ke't Dai ly bio hiem (NHTM) cd trich nhidm boi hoan lai cho CTBH cac khoan lien ma CTBH da boi thifdng cho ngu'di diTdc bao hieni Tuy nhidn nhiJng trifdng hdp hdp dong bao hiem khdng vd hieu ma gay ihiel hai cho khach hing Ihi CTBH van phai boi thifdng Nhifng ddi vdi mpt so' tru'dng hdp vi hanh vi ciia dai ly bao hie'm (la cic NHTM) din tdi HDBH bi vd hieu thi quyen va ldi ich cua ngifdi mua bao hiem khdng difdc dim bao MQI so'd^ xuS't nhim hoan thi^n cac quy djnh \e bancassurance Qua thi/c trang thi hanh cic quy dinh cua phap luat ve bancassurance da cho tha'y mot so' van de phip ly difdc dat Tac gia cho rang, mud'n cd mpl hang lang phap ly day dii minh bach viJa tao SI/ ihuan cho ldi sif phit tnen bancassurance, vu'a bao \ e ldi ich cho cic ben quan he bao hidm Ihi can phai hoan thien cac quy dinh hien hanh theo nhifng hifdng sau day: Thd nhdl, bd sung hudng ddn chi tiet quy dinh den hoa hong cua dgi ly bdo hiem Hien na> cd hien tu'dng nhan vien cua NHTM (khi lam dai ly bao hie'm) hoan tra cho khach hang mdt phan tien tif hoa hdng dai ly bao hiem nham ldi keo giir chin khach hang Moi luong y kid'n cho rang, hanh \ I na\ la hanh vi vipham phap lual vi day la hinh vi nhSm mua chudc khich hang Mot luong > kid'n khic lai cho rSng CTBH Ira tien hoa hdng dai ly theo quy dinh cua phap lual cho dai ly bao hie'm (la NHTM) sau dd NHTM chia cho nhin vidn cua minh thi khodn tien la thu nhap cua nhan vien ngan hang bin bdo hid'm Do vay viec nhan vidn chia cho ai, chia bao nhieu la quyen cua hp Tic gii cho r^ng cich hieu thii' hai hoan toin hdp ly Bdi hoa hong bao hiem du'dc chuyen cho NHTM roi NHTM chia lai cho nhan vien thi day la thu nhap chiu thud' Tdc la thu nhap thupc quydn sd hffu cua nhan vien ngan hang ban bao hiem Nhan vien cd quyen dinh doat so tien theo y chi cua hp tdc la cho bao nhieu li hp quye'l dmh Do vay, tru'dng hdp niiy khdng the' hieu ring day la chia hoa hong bao hid'm cho khach hang Tuy nhidn, de' tranh cic each hieu khac ve van de ihi nen bd sung them quy dinh ndu rd hoSc lidt kd dinh hu'dng hanh vi nio li hanh vi chia hoa hong bio hiem cho khach hang Mai khac, quy dmh can nha'n manh ring chia hoa hong bao hid'm phai la tnfdng hdp chia tnfdc khoan hoa hdng du'dc hach loan la thu nhap lif hoa hong cua NHTM (dai K bdo hie'm) Bdi nd da la thu nhap cua NHTM (rdi chia cho nhan vien) thi vide SlJ dung nd nhif thd' nao la hp tif quye't dmh Viec quy djnh nhif va> giup cho cic dai ly bao hiem bao dam difdc uy tin ciia minh tnfdc cic CTBH Thd hai bd sung quy djnh true tie'p ve viic irinh tu thti tuc CTBH tiep nhdn phdn vdn gdp cd phan lif NHTM NHTM cd the' gdp vd'n, mua co phan vao mpl CTBH dang boat ddng de cdng vdi CTBH tid'n hanh hanh vi kinh doanh bao hiem Hien nay, khdng cd quy dinh trifc tie'p ve each thu'c trinh tif, thii tuc tie'p nhan phan vd'n gdp, co phan tLf N'HTM Sy thie'u ving di cac quy dinh ve van de gay lUng ning cho cic nha dau tu' van bie't rang cd the' van dung quy dinh tai Luai Doanh nghidp 'DNi de' gidi quye't nd Cho dii ne'u theo nguyen ta'c i p dung Luat Lual DN la So 11 - Thang 5/2020 59 TAPCIICBRETItrONG luilchung^o\dl Lual KDBH \ay LuaiDN^e difdc i p dung nd'u Luit KX)BH khdng cd quy dinh va ngifdc lai- Song, gia su' cd i p dung quy dmh ciia Luat DN \e trinh tif, Ihu tiic liep nhan phan vd'ngdp,cd'phan tbi \an \ay vafnde vifdng mic chdng cheo Bdi vi, theo quy dinh hien tai cua Luat DN sau chuan bj xong ho sd gia'y id thi phai chuye'n ldi cd quan dang k>' kinh doanh cap Tinh (Sd Kd'hoach \d Dau tif ndi doanh nghiep dif djnh dat tru sd chinh) Tu\ nhien cd quan quan 1\' nha nifdc chuyen nganh Imh vifc bdo hie'm lai la Bo Tai chinh li?c la moi thay doi cua CTBH can phai bio cao du'dc sff ddng y va giim sat cua Bd Tai chinh Do vay can phdi bd' sung qu\ dinh ve van de vao Nghi djnh sd 73/2016/ND-CP nham Iao cd sd phip ly d;n du giup cho MCC dau tff cua NHTM viio CTBH dUdc nhanh chdng, thuan tidn giiip cho hoat dpng dffdc dien theo diing ke hoach, lien chie'n Iffdc da de Thd ba bd \ung them quy djnh phdn dfnh ro Irach nhiem cua NHTM vd CTBH diii vdi khdch hang trtmg trudng hap NHTM ldm dai ly bdo hiem nhifng CO hdnh vi vi phgm dieu cam hoat dgng dgi Iv '^*" Van de tren ihffc khdng cd gi d.' de'n ne'u dd la loi trffc tie'p cua CTBl '*"8 trifdng hdp CTBH cd ihi se bi \i i^" ^^^° quy dinh tai Khoan Dieu 17 \an ban hi.p nhat so 08/VBHN-BTC I6/04/201S quv djnh vc xff phat vi pham hanh chinh irong linli vffc kinh doanh bao hiem, kinh doanh xd' so Neu dd li hanh vi dai ly bao hiem gay nhffng lai khdng tha'y quy djnh ve xff phat cho hanh vi Do viy, dd' bao ve ldi ich cho khich hing tbi phai bo sung thdm quy dinh ve irich nhidm cua NHTM do'i vdi khich hang Theo dd, NHTM phai boi hoin cho ngffdi mua bdo hid'm so' lien ding Id dffdc hffdng tff CTBH nhffng bi mat hanh vi vi pham cua nhan vidn NHTM gay Mat khic, bo sung thdm hanh vi vi pham mffc xff phai va thdm hinh phat la Iffdc quyen sff dung Chffng chi dai ly bao hiem cd Ihdi han ho§c dinh chi hoal dpng dai ly bdo hiem cd thdi han Ke't luin Bancassurance mang lai cd hdi tim kid'm ldi nhuan cho cd CTBH va NHTM Do vSy, vide hoan Ihien cic quy dinh ciia phip luat hien hanh cd y nghTa vd cung quan trpng cho bancassurance thdi gian tdi • T.VI \A^X TH.VM KHAO: I B6 TJi chinh Ngan hing Nhi nUdc (2014) Thong luUen lich so 86/2014/rrLT-BTC-NHNNVN V/v hudng dSn b, Kii tUm y dm ly hdo hiem cua TCTD chi nhdnh ngdn lidng nudc ngodi cho DNBH nban ihg, 02/7/2014, : Chinh phii (2016) \Mh, dinb ^d -3/2016/SD-CP V/y quy dinb chi lie't ihi hdnh Lugt KDBH vd Ludt Sda ddi hd \ung mgi 'nh§n bai: 16/4/2020 Ngay phan bi0n danh gia va suTa chiJa: 26/4/2020 Ngay ch3'p nh^n ding bai: 6/5/2020 Thong tin tdc gid; ThS DINH VAN LINH Khoa Lu|t - HQC vi^n Ngdn hang THE STATUS QUO OF BANCASSURANCE PROVISIONS: LEGAL ISSUES AND SOLUTIONS • Master DINH VAN LINH Faculty of Law, Banking A c a d e m y ABSTRACT: Bancassurance is the distribution of insurance products \ia the banking system The current legal provisions have estabhshed a relatively completed and open legal corridor for bancassurance However, these legal provisions have also revealed some inadequancies that need to be overcome This anicle presents approriate points and shortcomings of current legal provisions of bancassurance, thereby proposing directions to overcome obstacles Keywords: Bancassurance, insurance distribution via banks, insurance business, insurance agents So 11 - Thang 5/2020 61 ... xuS't nhim hoan thi^ n cac quy djnh e bancassurance Qua thi/ c trang thi hanh cic quy dinh cua phap luat ve bancassurance da cho tha'y mot so' van de phip ly difdc dat Tac gia cho rang, mud'n cd... current legal provisions of bancassurance, thereby proposing directions to overcome obstacles Keywords: Bancassurance, insurance distribution via banks, insurance business, insurance agents So 11 -... thdng nhi't cic quy dinh ve bancassurance, mdt mil giup cho boat dpng nav trd nen hieu qui, mang lai ldi ich cho NHTM CTBH va cho ngifdi mua bdo hiem Thd hai, cdc quy dinh vi bancassurance dd tuang