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kinh t 1.1.4.1 Cn c vo mc ớch hot ng ca cỏc t chc qun lý qu bo him a Bo him cú mc ớch kinh doanh (BH thng mi) L hot ng ca cỏc cụng ty bo him trong lnh vc bo him kinh doanh (BHKD) Ngi bo him tỡm kim li ớch kinh t trờn c s ca hp ng bo him m qua ú, ụi lõy phớ bo him Ngi bo him cam kt thc hin bi thng hoc tr tin bo him cho ngi c bo him khi xy ra s kin bo him b Hot ng bo him khụng vỡ mc ớch kinh doanh... phỏt trin ca th trng bo him 1.2.2.1 Cỏc nhõn t kinh t Cỏc nhõn t kinh t cú tỏc ng, nh hng trc tip n th trng bo him, m c th l nh hng trc tip n cung v cu v sn phõm bo him, n dung lng v c cõu ca th trng Xu hng phỏt trin kinh t gn lin vi nhu cu bo him Xu hng phỏt trin kinh t gn lin vi nhu cu bo him Sc mua i vi sn phõm bo him ph thuc vo tc tng trng ca nn kinh t, mc thu nhp hin ti, chiu hng ca giỏ c hoc... t khỏc nh bin ng v tõm lý, xu hng u t, 1.3 Ni dung c bn ca kinh t bo him 1.3.1 i tng nghiờn cu ca kinh t bo him i tng nghiờn cu ca BH l cỏc mi quan h kinh t - xó hi gia ngi tham gia BH vi ngi bo him v cỏc cỏ nhõn v tụ chc kinh t xó hi khỏc cú liờn quan cung nh MQH gia nhng ngi BH vi nhau - c trng ca cỏc mi quan h trong KTBH + Cỏc mi quan h kinh t - xó hi cp n õy liờn quan n nhiu cỏ nhõn, tụ chc trong... l con ngi hay cỏc b phn ca c th con ngi hay cỏc võn cú liờn quan nh tuụi th, tớnh mng, sc khe, tai nn 1.1.5 Vai trũ ca bo him trong nn kinh t 1.1.5.1 Vai trũ kinh t Bo him núi chung v cỏc loi hỡnh bo him núi riờng u mang li li ớch kinh tờ- xó hi thit thc Xột v mt kinh t bo him cú nhng vai trũ to ln sau õy: + Gúp phn ụn nh ti chớnh v m bo cho cỏc khon u t: T khi cỏc loi hỡnh bo him ra i cho n nay ó... cho sn xuõt, kinh doanh phỏt trin bỡnh thng Vai trũ ny ỏp ng c mc tiờu kinh t ca ngi tham gia nờn i tng tham gia bo him ngy cng ụng o Trong cỏc nn kinh t hin i, bo him ó trc tip m bo cỏc khon u t Hu ht cỏc d ỏn u t hin nay ó ũi hụi phi cú bo him Khụng cú s m bo ca bo him thỡ cỏc ch u t m nhõt l cỏc ngõn hng liờn quan s khụng dỏm mo him u t vn cho d ỏn + Kờnh huy ng vn hu hiu u t phỏt trin kinh t Cỏc... ớch kinh t 1.2.1.2 Ch th tham gia trờn th trng bo him a.Doanh nghip bo him Doanh nghip BH l tụ chc cung cõp cỏc dch v BH Vit Nam cú cỏc loi hỡnh doanh nghip BH sau: - Doanh nghip bo him Nh nc Doanh nghip Nh nc l tụ chc kinh t do Nh nc s hu ton b vn iu l hoc cú cụ phn vn gúp chi phi bao gm: + Cụng ty bo him Nh nc õy l doanh nghip do Nh nc s hu ton b vn iu l, thnh lp, tụ chc qun lý, ng ký hot ng kinh. .. tham gia + Ngi tham gia BH cú th l cỏc cỏ nhõn, cỏc tụ chc kinh t - xó hi cú nhu cu bo him Do bo him l mt hot ng dch v, hn na, hỡnh thc bo him cú th l bt buc hoc t nguyn cho nờn ngi tham gia BH ngy cng ụng o + Ngi BH cú th l cỏc tụ chc BHXH, BHYT, BHTN hoc cung cú th l cỏc tụng cụng ty, cỏc cụng ty BHTM + Mi quan h kinh t gia cỏc cỏ nhõn, tụ chc kinh t -xó hi khỏc cú liờn quan ( c s y t, mụi gii, i l... bờn nc ngoi) hoc nhiu bờn hp tỏc thnh lp v kinh doanh ti Vit Nam trờn c s hp ng liờn doanh v Hip nh ký kt gia Chớnh ph Vit Nam v Chớnh ph nc ngoi - Doanh nghip bo him 100% vn u t nc ngoi Doanh nghip bo him 100% vn u t nc ngoi l doanh nghip bo him bo him do nh u t nc ngoi u t 100% vn v c thnh lp ti Vit Nam Nh u t nc ngoi t qun lý v t chu trỏch nhim v kt qu kinh doanh b.Tụ chc bo him tng h Tụ chc bo... ngy cng phỏt trin nhanh chúng v s phớ c tn tớch li ngy cng ln iu ú cng khng nh thờm vi trũ huy ng vn u t ca ton ngnh bo him l vụ cựng quan trng i vi cỏc nn kinh t + Bo him gúp phn ụn nh v tng thu cho ngõn sỏch ng thi thỳc õy phỏt trin quan h kinh t i ngoi gia cỏc nc Vi cỏc loi qu bo him ngy cng tng do ngi tham gia bo him úng gúp, cỏc c quan, doanh nghip bo him s tr cõp hoc bi thng kp thi cho h ụn... lin vi nhu cu bo him Sc mua i vi sn phõm bo him ph thuc vo tc tng trng ca nn kinh t, mc thu nhp hin ti, chiu hng ca giỏ c hoc lm phỏt, võn tit kim hay tiờu dựng ca cỏ nhõn hay h gia ỡnh, S suy thoỏi kinh t, ty l thõt nghip cao, lói suõt tớn dng tng, u nh hng n sc mua sn phõm bo him 1.2.2.2 Cỏc nhõn t chớnh tr, phỏp lý õy l nhng nhõn t cú nh hng mnh m n th trng bo him, quy nh kim soỏt cỏc quỏ trỡnh,