Phát triển kinh doanh bảo hiểm xe cơ giới tại tổng công ty bảo hiểm ngân hàng đầu tư và phát triển việt nam đến năm 2020

DOANR BAO HIEM XE CO GK.H I’Al TONG CONGTY CO PHAN BAO HIEM NGAN HAM TRUONG DAI HOC KINH TE QUOC DAN ANA I l)Al HOC KTQD TT THONG TIN THU VIEN PHONG LUAN AN-TU LIEU PHAM VIET TUNG • • PHAT TRIEN KINH DOANH BAO HIEM XE CO GIOI TAI TONG CONG TY CO PHAN BAO HIEM NGAN HANG DAU TU VA PHAT TRIEN VIET NAM DEN NAM 2020 Chuyen nganh: QUAN TRI KINH DOANH THUONG MAI LIAN VAN THAC Sf QUAN 1'RI KINH DOANH i i V i Ths Ngu’d'i huong dAn khoa hoc: PGS.TS PHAN TO UYEN HA NOI, NAM 2013 BO GIAO DUG VA DAO TAO TRUONG DAI HOC KINH Ti= Qlldc DAN CQNG HO A XA HQI CHU NGHI A VIET NAM Doc lap - Ty - Hanh phuc BIEN BAN HQI DONG CHAM LUAN VAN THAC SI Can cu quyet dinh so 3077/QD-DHKTQD 08/11/2013 cua Hieu truang truang Dai hoc KTQD, Hoi dong cham luan van thac si da to chuc cham luan van cho hoc vien: Pham Viet Tung MSHV: CH200895 De tai luan van: “Phat triin kinh doanh bao hiem xe co" gidi tai Cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam den nam 2020” Chuyen nganh: QTKD Thuo’ng mai Khoa: 20 (CH20V) oi: $^b0O, £^/lJ/2013 tai p.401 nha 6, Truong Dai hoc Kinh te Quoc dan Vao hoi: Cac lanh vien hoi dong co mat tai phien hop gom: Chu ky Ho ten, hoc ham hoc vi CT: PGS.TS Nguyen Van Tuan TK: TS Tran Van Bao PB 1: PGS.TS Pham Cong Doan IJV: TS Trinh Thi Thanh Thuy PB 2: Huong Chu ky ^-Ho ten, hoc ham hoc vi PGS.TS Nguyen Thi Xuan Dai bieu tcri du: Dai dien co sa dao tao: Giao vien hudng dan: PGS.TS Phan To Uyen - Trurang DH Kinh te Quoc dan Noi dung chinh cua phien bao ve Hoc vien da trinh bay truac hoi dong noi dung tom tat cua luan van Hoi dong da nghe nhan xet luan van cua 02 phan bien (cd van ban kem theo) Hoi dong da nghe hoc vien tra lai cac cau hoi Sau hop danh gia chat luong cua luan van, Hoi dong quyet nghi: Luan van cua hoc vien Pham Viet Tung da dap ung day du cac yeu cau ve noi dung va hinh thuc cua mot luan van Thac si Hoi dbng nhat tri danh gia luan van nhu sau: Cac phAn digm DiSm cua cac vien Tong digm Trung binh S’, V Diem noi dung luan van Diem trinh bay luan van t -v Trong s6 Digm qui doi 0.7 0.3 ri- — - 7*1 - ) K&w k,c.5r Diem thuang cong trinh nghien cuu khoa hoc (khong vuat qua 0.5 diem) Diem ket luan cua Hoi dong (lay diem le den chu so thap phan) Nhung diem mai noi dung luan van (neu diem noi dung (*) >9,0phan bat buoc phai cd) p (cl) Hoi dong kinh de nghi Hieu truang truang Dai hoc KTQD xet duyet va cap bang thac sT cho hoc vien Cac vien HD bieu quyet cong khai, nhat tri thong qua: ^yf.£7? 4% ) Hoi dong cham luan van thac si ket thuc vao hoi gia O^) phut, 5^-/./201?£ Thu ky Hoi dong Chu tjch Hoi dong I Luu yr Diem cuoi ciing cua LV khong duqc vucrt qua 10 diem J Neu diem noi dung LV tir 9.0 diem, nha tnrbng se to chuc tham dinh c o/ YEU CAU CUA HOI DONG CHAM LUAN VAN THAC SI Ve nhung diem can sua chira, bo sung tnrdc nop luan van chinh thuc cho VDTSDH Chu tich Hoi dong (Ky va ghi ro ho ten) Cam ket cua hoc vien7 Hqc vien (Ky va ghi rd ho ten) - Neu hQC vien c6 trdch nhiem chinh sira theo yeu cSu cua HQi dong cham luan vSn Trong truimg hgp khong chinh sua se khong dirge cong nhgn k£t qui bao ve - Hpc vien phai ddng ban yeu c&u chinh sira vao cubi !u?n vSn chinh thuc n$p cho vi?n DT SDH CQNG HO A XA HOI CHU NGHIA VIET NAM Doc lap - Ty - Hanh phuc - 0O0 NHAN • XET PHAN BIEN • LUAN AN THAC SY De tai: Phat trien kinh doanh bao hiem xe ca gidi tai tong cong ty cd phan bao hiem ngan hang dau tu va phat trien viet nam den nam 2020 Chuyen nganh: Oudn tri kinh doanh Cita cao hoc vien: Pham Viet Tung Ngirdi nhan xet: PGS.TS Pham Cdng Doan Sau doc toan bo ban thao luan van gom 86 trang cung voi cac bang bieu, so do, hinh ve minh hoa Toi co mot so nhan xet sau: Ve tinh cap thiet cua de tai Toe phat trien xe co gioi Viet Nam nhung nam qua tang nhanh cung voi co so tang chua dap ung yeu cau, da dan toi tai nan rui ro giao thong co nguyen nhan tir xe co gioi cang tang nhanh, gay thiet hai Ion ve ngubi va cua, hinh thuc bao hiem xe co gioi gop phan quan vao khac phuc hau qua tai nan giao thong gay ra, nhtrng nam gan day da co nhieu doanh nghiep tham gia vao thi tnrbng kinh doanh bao hiem xe co gioi song van chua dap ling yeu cau ve so luong chat luqng Trong so co tong cong ty co phan bao hiem BIDV, de dap ung nhu cau cang tang, nang cao nang luc canh tranh kinh doanh dich vu bao hiem xe co gioi, doi hoi tong cong ty co phan bao hiem BIDV phai khong ngung mb rong quy mo va nang cao chat luong dich vu, qua dat dupe cac muc tieu tang trubng doanh thu, loi nhuan Nhung nam qua tong cong ty da co nhieu cb gang, nd luc kinh doanh dich vu song thuc tien nhung ton tai, han che chua khai thac duoc tiem nang the manh cua mot doanh nghiep lbn kinh doanh bao hiem xe co gioi Do do, Tac gia chon chon de tai: Phat trien kinh doanh bao hiem xe ca gidi tai tong cong ty cd phan bao hiem ngan hang dau tic va phat trien viet nam den nam 2020 la co y nghia thuc tien, ly luan cap bach Mot so cong chu yeu - Ten di tai va noi dung phu hop vbi chuyen nganh dao tao va khong trung lap voi cac cong trinh nghien cuu khac ma toi duoc biet - Luan van co muc dich, doi tupng, pham vi nghien cuu ro rang, dung dan Phuong phap luan va phuong phap nghien cuu cu the, dam bao tinh khoa hoc va thuc tien chu de nghien cuu - Ve noi dung: + Luan van da khai quat nhung vin de ly luan co ban ve bao hiem va kinh doanh bao hiem xe co gidi tai viet nam tap trung vao cac dac diem, va noi dung phat trien kinh doanh bao hiem xe cor giod + Phan tich tap trung lam ro thuc trang noi dung phat trien kinh doanh bao hiem xe co gidi tai tong cong ty co phan bao hiem BIDV tren co so cac du lieu dieu tra day du, co nguon goc rd rang, cac ket luan rut la xac dang, la co so tin cay cho viec de xuat cac giai phap + Tren co so ly luan, phan tich thuc tien, Cac giai nhom giai phap, dinh hudng theo noi dung phat trien kinh doanh bao hiem xe co gioi la tai lieu tham khao tot de cong ty hoach dinh phat trien dich vu bao hiem xe co gidi den 2020 va mot so kien nghi + Cac giai phap cd y nghTa thuc tien de tong cong ty hoach dinh cac chinh sach va bien phap phat trien dich vu bao hiem xe co gidi den 2020 Ket cau luan van: Ket cau luan van gom chuong vdi ten goi va noi dung cac chuong, muc phu hop, bam sat chu de nghien cuu, dam bao tinh he thong, logic, gan ket Mot so han che cua luan van + Luan van chua lam ro duqc khai niem, noi ham phat trien kinh doanh bao hiem, do trien khai nghien cuu ly luan, thuc tien nhung han che, + Noi dung cac muc 1.2 chua thuc phu hop vdi tieu de, chua phan biet ro noi dung va each thuc phat trien, nhat la 1.2.4 (day la ket qua cua phat trien kinh doanh chu khong phai la noi dung) Ket luan Mac du nhung han che, song luan van la mot cong trinh khoa hoc nghiem tuc, cd y nghia ly luan va thuc tien; da hoi du dieu kien cua luan van thac sy, de nghi Hoi dong cho phep tac gia duqc bao ve de nhan bang thac sy Ha Noi, 04/12/2013 PGS.TS Pham Cong Doan CONG HOA XA HOI CHU NGfflA VIET NAM DOC LAP - TU DO - HANH PHUC NHAN XET LUAN VAN THAC SY • • • De tai: Phat trien kinh doanh bao hiem xe co1 giai tai Tdng cdng ty cd phan bao hiem Ngan hang Dau tic va phat trien Viet Nam den nam 2020 Cao hoc vien: Pham Viet Tung Chuyen nganh: Quan tri kinh doanh Nguoi hudng dan khoa hoc: PGS TS Phan To Uyen Nguoi nhan xet: PGS.TS Nguyen Thi Xuan Hu’O’ng Doc toan bo 86 trang cua ban Luan van Thac sy cua Cao hoc vien PhaniViet Tung, toi xin dtra mot so nhan xet sau: I Tinh cap thiet cua de tai Cung vdi sir phat trien cua nen kinh te, cac phuong tien giao thong phat trien nhanh, da dang dac biet la phuong tien xe co gioi: Nam 2013 cOs khoang tren r a 2trieu xe to, 37 trieu xe may, gap khoang ba lan nam 2004 Trong r a toe phat trien cua tang giao thong khong theo kip su gia tang cua cac phuong tien giao thong tham gia giao thong; y thuc thuc hien luat giao thong cua nguoi tham gia giao thong chua cao lam tang nhanh cac vu tai nan giao thong Chi tinh nam 2012 co den 10.000 vu tai nan giao thong va hang chuc r nghin nguoi chet vi tai nan giao thong Binh quan mot co 28 vu tai nan giao thong lam chet 27 nguoi va 21 nguoi bi thuong Ben earth cac ton that bao nliieu phuong tien bi hong chi phi len den hang nghin ty Nhu cau bao hiem xe co gioi cang cao Tong cong ty cd phan bao hiem Ngan hang dau tu va phat trien Viet Nam la mot Tong cong ty kinh doanh bao hiem hoat dong tu nam 1999 Sau mubi , ' bon nam hoat dong, tdng cdng ty cung gat hai dupe nhung cdng nhat r dinh Trong qua trinh kinh doanh, Tdng cdng ty da nhan thay thi truong bao hiem xe ca gidi co rat nhieu tiem nang, phu hop voi tiem nang va muc tieu ’ • ’ r • cua Tong cong ty Tong Cong ty da chu den phat trien kinh doanh bao hidm xe co gidi Tuy nhien su phat trien chua tuong xung voi tiem nang phat r x trien von co cua Tong cong ty Vi vay, de tai tac gia lira chon: Phat trien hang Dciu tir va phat trien Viet Nam den nam 2020 phu hop voi yeu cau thuc tien II Ve tinh phu hop cua chuyen nganh dao tao va phuong phap nghien diu De tai phu hop vdi chuyen nganh dao tao Phuong phap nghien cuu phu hop Dac biet toi danh gia cao viec tac gia da x r r X X dung phuong phap dieu tra de giai quyet noi dung cac van de can nghien cuu III Noi dung cua luan van Nhung cdng x x r r r \ r , , Ve trinh bay: Ket cau ba chiio’ng theo loi truyen thong cd tinh logic -Ve noi dung Chuang 1: Tac gia da mo ta duoc ly luan co ban ve phat trien kinh doanh bao hiem xe co gidi Thong qua muc 1.1, tac gia da lam ro noi dung bao hiem xe co gidi, dac diem thi trudng bao hiem xe co gidi d Viet Nam va su can thiet khach quan phai phat trien kinh doanh bao hiem xe co gidi d Viet Nam Muc 2.2 tac gia da he thong hoa dupe mot so noi dung co ban cua phat trien kinh doanh bao hiem xe co gidi cua cdng ty bao hiem 7 X Chuang 2: Tac gia da lam ro dupe dac diem kinh doanh cua Tong cdng ty cd phan bao hiem Ngan hang dau tir va Phat trien Viet Nam Phan tich dupe thuc trang Phat hang Dau tir va phat trien Viet Nam Cac danh gia la co co sd •> x r Chuang 3: Tac gia da dua dirge he thong giai phap nham Phat trien kinh doanh bao hiem xe co' gidi tai Tong cong ty cd phan bao hiem Ngan hang Dau tit va phat trien Viet Nam den nam 2020 Mot so giai phap gan vdi phan danh gia, co co sd ly luan va thuc tien Nhitng van de can trao doi vdi tac gid Toi cho rang luan van se co gia tri cao hon neu khac phuc dugc nhung van de sau: Ve trinh bay: + Con mot so loi ky thuat + Trinh bay bieu bang chua dung + TLTK chua chuan, thieu cac tai lieu dugc dan d tong quan nghien cuu + Ket cau 35-37-13 mat can doi Ve noi dung: - Phan lai md dau: Phan tong quan nen dua them de tai cua Nguyen Thi Tra Giang: •uan tri chi phi bdi thudng vat chat xe co gidi cua tai Cong ty Bao Viet Ha Noi bao ve lang 11 nam 2011 Noi dung cac chuong: + Chuong 1: Tac gia nen tap trung vao su phat trien cua thi truang bao hiem xe co gidi Viet Nam va sir can thiet phat trien kinh doanh bao hiem xe co gidi Bo bdi phan khai niem va phan loai bdi de bi trung lap; Noi dung 1,2,1 chua chuan vi md rong thi trudng khong chi md rong theo khu virc dia ly Nen cd them muc 1.3 la nhan to anh hudng den phat trien kinh doanh bao hiem xe co gidi + Chuang 2: So lieu nhieu, phan tich thuc trang phat trien kinh doanh nhung khong so sanh cac so lieu theo thdi gian de lam ro su phat trien + Chuong 3: Trude dua dinh hudng can lam ro han nhu cau bao hiem tren xe ca gidi tren thi trudng roi hay di vao phuong hudng phat trien thi se thuyet phuc han r r x r Ket luan: Mac du luan van mot so han che nhung toi cho rang day la cong a r r trinh khoa hoc doc lap, Cao hoc vien cd nhieu co gang nghien cuu, r > va dat duoc nhung cong nhat dinh Luan van dap ung yeu cau cua luan van thac sy Cau hoi kiem tra trinh cua cao hoc vien:Cao hoc vien cho biet, thoi gian toi, Tong cong ty phat trien kinh doanh bao hiem xe co’ gioi theo hircrng nao? Dieu kien nao giup doanh nghiep thu-c hien duoc dinh hirdug phat trien do? Ha Noi 02 thang 12 nam 2013 PGS.TS Nguyen Thi Xuan Hu’O’ng 79 A 7 * r thuong hieu san pham den rong rai cong chung De khach hang co the biet dupe ve san pham (cac dac diem, loi ich cua cac san pham mang lai ) tu khien cho khach hang quyet dinh mua san pham thi tuyen truyen, quang cao phai thuc su dem lai hi$u qua Quang cao doi vbi san pham bao hiem cung giong nhu cac san pham khac cung can phai dem lai hieu qua cao De x < lam dupe nhu vay ngoai cac each quang cao truyen thong nhu quang cao qua sach bao, tren truyen hinh, phat to roi, treo bien quang cao thi quang cao thong qua cac hoat dong tai trp nhu tai trp cac quy hoc bong, tai trp cho cac chuong trinh tu thien hay to chuc thuc hien cac chuong trinh hubng dan, cuoc thi ve luat giao thong dubng bo cung la mot each quang cao dem lai hieu qua Ben canh phuong thuc quang cao thi noi dung quang cao cung can phai x x cao cho san pham, hay cho chinh cong ty cua minh Dieu se gop phan lam < cho hinh anh cua cong ty cung nhu cac san pham bao hiem de dang den dupe / -X, vbi khach hang va de dang dupe khach hang tiep nhan hon y y r - BIC can nghien cuu mb rong dieu khoan bao hiem vat chat xe co gioi ngoai lanh tho Viet Nam, cu the la cac nuoc Lao, Campuchia Tan dung mang lubi kinh doanh rong lbn tren hai nuoc anh em, BIC hoan toan co lpi the vo cung lbn cung cap them dieu khoan bo sung ve ca muc phu phi lan chat lupng dich vu boi thubng De thuc hien dupe bien phap nay, BIC can t r r y day manh su gan ket va thong tin lien lac giua cong ty Ba trung tarn boi r r thubng tai ba quoc gia phai co moi lien he khang khit, thong thao ngon ngu, dam bao su kip thbi ho trp ton that xay Sau da chuan bi cac y 7 y 7 dieu kien de trien khai dieu khoan bo sung “bao hiem ngoai lanh tho Viet y r Nam”, BIC can len mot ke hoach Marketing that hoan hao de quang ba cho san pham bao hiem mbi cua minh dac biet la tai cac tinh, co su thong thuong thubng xuyen vbi cac nubc Lao, Campuchia 80 3.3.2 Nhom giaiphap phat trien khach hang mua bao hiem xe co gioi Cac chinh sach doi vai khach hang cua cong ty can phai phan loai ro doi vdi tung nhom khach hang, tir co the dua nhung chinh sach hieu qua, kip thdi - BIC la mot cong ty cua ngan hang BIDV, do cd loi the hon i r e r r>j 'i > mot so cac cong ty bao hiem khac la cd the de dang tiep can dupe vdi nguon khach hang tiem nang doi dao tir ngan hang “me” BIDV Do do, cong ty can phai cd cac chinh sach de khai thac mot each triet de nguon khach hang quy gia Cu the, de giu duoc moi quan he gan gui vdi BIDV, BIC can bo sung chi phi cham soc doi tuong khach hang dac biet Ngoai phan hoa hong tra cho ngan hang, BIC cung can phai danh rieng mot khoan chi phi cham soc vao cac dip le, tet - Doi vdi cac khach hang da su dung cac san pham bao hiem cua BIC, cong ty can phai cd chinh sach cham soc khach hang cu the nhu: Doi vdi khach hang than thiet, da su dung nhieu san pham bao hiem cua BIC, so phi r a thu dupe nhieu, cong ty cd the tham hoi, gui tin nhan, gui qua chuc mung vao r r nhung dip dac biet de tiep tuc giu moi quan he thuong xuyen, lau dai vdi ho r r Con doi vdi nhung khach hang mdi tham gia, cong ty phai cho ho thay “lua Z Z chon BIC la mot quyet dinh dung dan” De lam dupe nhu vay doi hoi cac dich vu cham soc khach hang phai that chu dao, tan tinh tu van, giai dap thac mac cho khach hang, tien hanh bdi thuong cho khach hang mot each nhanh chong, AZA tranh viec nhung nhieu khach hang, doi hoa hong mdi tien hanh bdi thuong 3.3.3 Nhom giai phap phat trien cac san pham, dich vu bao hiem xe eff gidi a) Day manh khai thac loai hinh bao hiem trach nhiem dan su bat buoc chu xe d to Z 7 Z /%/ Loai hinh bao hiem trach nhiem dan su bat buoc la san pham rat de ban AZ Z A day la yeu cau bat buoc cua Nha nude doi vdi chu dieu khien phuong tien xe co gidi Bao hiem trach nhiem dan su bat buoc chu xe o td cung khong 81 phai ngoai le Mat khac, viec day manh khai thac bao hiem TNDS bat buoc chu xe to la rat can thiet de phat trien cac loai san pham bao hiem tir nguyen co bao hiem vat chat xe to Chinh vi le thoi gian toi, BIC nen thay doi dinh hudng kinh doanh, tap trung khai thac doi vdi loai dich vu bang mot so giai phap sau: - Tang chi phi khai thac doi vdi dich vu nay: Hien tai, chi phi khai thac A BIC giao chi bang mot nua, tham chi bang 1/3 so vdi mot so doanh nghiep bao hiem khac Vi vay, can bo khai thac khong du chi phi de xay dung mang ludi dai ly tham chi gay anh hirdng tdi cac san pham bao hiem khac dai ly chay sang bao hiem khac cd muc hoa hong cao hon BIC can tang them chi phi khai thac dich vu nay, tdi thieu phai du sue canh tranh tren thi trudng Cd yeu va BIC can nhanh chong trien khai manh dich vu bao hiem - Thong thoang quy trinh khai thac Hien nay, quy trinh khai thac nghiep vu kha la phuc tap va gay nhieu kho khan cho dai ly nhu: dai ly bat buoc phai nop phi ve cdng ty neu khong don bao hiem A / se vo hieu va dai ly bat buoc phai gap khach hang de cap lai BIC nen cho phep dai ly tap hop lai phi cua cac don bao hiem roi tien hanh nop phi vao mot thoi diem nhat dinh b) Trien khai goi san pham bao hiem vat chat xe to co muc phi thap, muc mien thuong cao Trong tuong lai, BIC can tien hanh nghien cuu va dua vao phat trien loai 7 r z san pham bao hiem vat chat xe vdi hai dac diem co ban la muc phi thap ddng thoi pham vi bao hiem cung nhd lai, chi bao hiem cho nhung ton that r 7 < ldn Hien tai, doi vdi goi san pham bao hiem vat chat danh cho xe o to 82 khong kinh doanh van tai thi muc mien thudng khong khau tru ma cac cdng ty bao hiem ap dung la 500.000 dong/vp ton that Vdi goi san pham bao hiem r r f f f vat chat mdi nay, quy tac bao hiem se giong nhu goi bao hiem vat chat thong zxz thudng, nhien muc se ap dung muc mien thudng khong khau tru co the la 1.000.000 dong/vu ton that Theo do, vdi nhung vu ton that co chi phi sua chua dudi 1.000.000 ddng thi khach hang se phai tu toan chi phi sua chua, cdng ty bao hiem chi co trach nhiem chi tra doi vdi cac ton that thuoc pham vi bao hiem co gia tri ton that tir 1.000.000 ddng trd len Nhu vay cac r r r \ trudng hop ton that nhd le se bi loai trir, tiet kiem dupe rat nhieu chi phi cho 9 BIC Bii lai, khach hang se dupe sir dung goi san pham bao hiem vdi mire phi thap hern rat nhieu, tiet kiem dupe rat nhieu cho ca doanh nghiep bao hiem va xa hoi c) Nang cao chat luong dich vu bao hiem Thu nhat, doi vdi dich vu ban hang, BIC can tiep tuc nang cao trinh do, thai lam viec va chat lupng phuc vu cua cac can bo true tiep ban san pham bao hiem, ddng thdi phai tiep thu tich cue cac y kien ddng gop cua khach A / r hang de khac phuc nhung mat han che ton tai Ngoai viec tich cue md rong cac doi tupng khac hang, cdng ty van can phai chu trong, bam sat cac khach hang truyen thong bdi le day la cac khach hang se gan bo lau nam vdi cdng ty, mat khac chi phi cho viec ky ket hpp ddng mdi cao hon chi phi r a cho viec tai tuc hpp ddng nen cdng ty se tiet kiem dupe mot khoan chi phi A A khong nho Dieu cung se gop phan lam tang lpi nhuan cho cdng ty Thu hai, nang cao chat lupng dich vu sau ban hang Cdng tac giam dinh, bdi thudng la mot khau quan trong nghiep vu kinh doanh bao hiem, neu lam khong tot se dan tdi cac hanh vi lira dao tien bdi thudng bao hiem dupe /xz r r thuc hien trot lot dan den ton that cho cdng ty, mat khac cdng tac giam dinh, bdi thudng la dich vu hau mai do nd anh hudng rat ldn tdi uy tin, hinh 83 anh cua doanh nghiep Vi vay de nang cao hieu qua cung nhu chat lupng dich X ' • ' < • z vu giam dinh va boi thuong ton that, can quan tarn toi mot so diem sau : - Doi vdi nguon nhan luc: phai thuong xuyen to chuc cac lop boi duong de nang cao trinh chuyen mon cho nhan vien dang lam viec Rieng doi vdi nhung nhan vien mdi dupe tuyen dung, chua co nhieu kinh nghiem nr nr x cong tac giam dinh va bdi thuong ton that, cong ty cd the khuyen khich viec trao doi kinh nghiem, kien thuc giua nhan vien cu va nhan vien mdi, nhan lan tu tranh dupe nhung sai sot hay gap cong tac giam dinh, boi thuong X Ben canh viec bdi duong them cho nhung nhan vien hien co, cong ty cung can phai quan tarn den viec tuyen dung, thu hut them nhan vien mdi, co chuyen mon gidi, cd nhieu kinh nghiem ve lam viec Tuy nhien, so lupng X nhung nhan vien nhu vay hien khong cd nhieu, do doi hoi cong ty phai ~ r x co nhung chinh sach dai ngo hap dan nhu luong, thuong, dieu kien lam viec tdt r r n r r Mot yeu td nua cung khong the thieu doi vdi mot nhan vien giam dinh, r x boi thuong gidi, la phai cd tu each dao due tdt Khong it nhung vu lira gat tien bdi thuong bao hiem la co sir tiep tay cua can bo giam dinh, bdi r n thuong bao hiem Do do, cong ty phai dat nhung quy che xu ly, hinh thuc ky luat that thich dang de nham canh cao, ran de tranh nhung sir viec tuong tir cd the lap lai tuong lai, gop phan nang cao dao due cua cac can bo, nhan vien cua cong ty - Hien nay, cong tac giam dinh de xac dinh nguyen nhan gay tai nan, muc loi cua cac ben mot vu tai nan giao thong thuong co quan x r cong an thuc hien, do cong ty can phai phoi hop chat che vdi co quan cong an de cong tac giam dinh co the tien hanh nhanh chong hon Ngoai ra, doi vdi 84 hon, tranh tinh trang gian lan khai bao cua ngubi thiet hai Ben canh do, doi vai nhtrng vu viec nhd khong co su tham gia cua ca quan cdng an, de y z y , ' cong tac giam dinh, bdi thubng tot hon, cong ty cung can phai lien ket vdi mot sb garage (doi vdi o to), trung tam sua chua xe may de xac dinh muc Z > ton that, thiet hai cua xe, tir dua muc boi thuong chinh xac, hap ly - De thuc hien cong tac giam dinh, boi thubng de dang han, cong ty cung can phai hoan thien he thong, quy trinh hudng dan giam dinh, boi thubng Dua vao do, cac nhan vien co the chieu theo va thuc hien nhanh chong hon x r z r - Doi vdi cac trang thiet bi can thiet cho cong tac giam dinh nhu may z y z anh, may quay phim hay mot sb thiet bi hien dai khac cong ty cung can y phai trang bi day du cho tung nhan vien de cong tac giam dinh duoc chinh xac, hieu qua hon Z - Trong tat ca cac khau cua mot nghiep vu bao hiem co le cong tac giam dinh, boi thubng thiet hai la khau de khien cho khach hang khong hai long z y z y nhat, bdi le phai mat qua nhieu thoi gian de cho doi de duoc boi thubng hay y z thai phuc vu cua nhan vien khong tot Do vay, cong ty can phai nang cao tinh chuyen nghiep cong tac hon bang each: tang toe giam dinh, y y z z boi thubng, giam thieu cac thu tuc rubm khong can thiet, nhan vien tien hanh boi thubng cung phai nhiet tinh hudng dan, giup khach hang hoan tat y y r» r cac thu tuc yeu cau boi thubng, tranh nhung nhieu tao tam ly, an tuong khong tot cho khach hang - Cuoi cung, cong ty phai thubng xuyen tang cubng cong tac tra, kiem tra ve thuc hien quy trinh giam dinh, boi thubng b cac chi nhanh cua 85 minh, phat hien cac sai pham de kip thoi xu ly, tranh de xay tinh trang sai pham xay da lau mdi dupe phat hien Nhom giaiphap tdng doanh thu, loi nhuan 3.3.4 r a r \ - Nang cao hieu qua cong tac de phong, han che ton that Chi bdi thudng r la khoan chi ldn nhat quy tai chinh cua mot cdng ty bao hiem Be cd the tang loi nhuan cho cdng ty thi giam so tien chi bdi thudng la mot dieu bat Z , A Z che ton that la mot nhung viec can lam “Nang cao y thuc tham gia giao z z r 9 thong cua nguoi dan” la mot nhung each tot nhat de giam thieu, han che cac ton that BIC cd the phoi hpp vdi cac don vi khac nhu canh sat giao thong, trudng hoc, dai truyen hinh de to chuc cac cuoc thi tim hieu ve luat an toan giao thong Ben canh do, cdng ty cd the ap dung mot so each cu the khac nhu: phoi hpp vdi cac don vi huu quan va mot so cdng ty bao hiem khac tham gia tai trp lap dat cac bien bao canh bao nguy hiem, cac guong cau tang r kha nang quan sat, cac go giam toe tai nhung noi hay xay tai nan Ngoai t r t r ra, tien hanh ban cac san pham bao hiem vat chat xe, BIC cd the giup ' r khach hang kiem tra cac thiet bi ky thuat bao dam an toan cua chiec xe de kip thoi canh bao cho khach hang biet neu cd su cd hong hoc nao xay Bien phap khong chi giup dam bao an toan cho cac chu xe ma han che dupe ton that cho BIC - Thuc hien cac bien phap de giam chi phi bdi thudng nhu nang cao cdng tac giam sat, kiem tra noi bo doi vdi cdng tac giam dinh bdi thudng de phat hien va xu ly kip thoi cac trudng hpp true lpi bao hiem; dam phan gia ca vdi cac garage lien ket de cat giam chi phi sua chua; tien hanh dao tao thudng Z A A xuyen doi vdi can bo bdi thudng de nang cao nghiep vu Day deu la cac bien phap hieu qua de giam chi bdi thudng - khoan chi phi ldn nhat hoat dong kinh doanh bao hiem 86 ô? 3.3.5 ã? Nhom giai phap phat trien mang ludi kinh doanh bao hiem xe co' gioi xe, diem thi lay bang lai xe, noi rua xe, cua hang ban the dien thoai di dong, nha gui xe, hay tai cac truong dai hoc, cao dang Cu the: - Doi vdi to: \ r f r Cong ty can tiep tuc tien hanh khai thac qua he thong dai ly chuyen nghiep cua minh, dong thbi thong qua cac kenh trung gian nhu ngan hang dac biet la ngan hang BIDV, cac cong ty thue mua tai chinh, cac showroom gidi thieu xe Ben canh do, trung tarn Dang kiem, Garage to cung la nhung kenh ma cong ty khong the bo qua va van phai tiep tuc tap trung va day manh phat trien thbi gian thi - Doi vdi xe may: Cung giong nhu ban san pham bao hiem cho d td, doi vdi ban bao hiem cho xe may, cong ty van phai tri, phat trien he thong cac dai ly truyen thong cua minh nhu: tai cac cua hang ban xe may, diem thi lay bang lai xe, noi rua xe, cua hang ban the dien thoai di dong, diem giu xe, hay tai cac trubng dai hoc, cao dang b) Ngoai viec tang quy mb, sb lupng cac dai ly, cong ty cung can phai nam vung sb lupng xe luu hanh va cac chu xe dang co xe hoat dong tren dia ban, sb lupng cac chu xe da tham gia mua san pham bao hiem tai cong ty, sb lupng cac chu xe chua mua bat ki mot san pham bao hiem nao de tu md rong sb lupng cac dai ly cho phu hop, tranh trung lap, gay lang phi, giam dupe phu phi gop phan lam cho gia cac san pham bao hiem canh tranh hon so vdi cac cong ty bao hiem khac 87 c) De BIC trcx doanh nghiep bao hiem phi nhan tho hang dau tren thi trubng thi bao hiem xe co gibi phai la mot nhung the manh cua cong ty Muon duoc nhu vay thi khong chi cac nhan vien cua cong ty ma ca cac dai ly cung deu phai la nhung ngubi chuyen nghiep: gidi chuyen r \ mon, nghiep vu, nhiet tinh vdi cdng viec, cung cap day du thong tin, giai dap moi thac mac, y kien cua khach hang Do cdng tac dao tao, nang cao trinh chuyen mon, tac phong lam viec cho cac dai ly cung can phai dupe chu - Cdng ty can phai to chuc cac cuoc thi giua cac dai ly voi nhau, mot mat tao dong luc cho ho, gop phan tang doanh so cho cdng ty, mat khac giup cho cac dai ly co the hoc hoi kinh nghiem lan - Hien thi trubng cac san pham bao hiem ban le la muc tieu nham tdi cua hau het cac cong ty bao hiem, dac biet la bao hiem xe co gidi De khai ' ' thac tdi da thi trubng doi hoi bat ki mot cdng ty bao hiem nao cung phai A • • • • co mot he thong dai ly nang dong, chuyen nghiep va dem lai hieu qua cao x x Tuy nhien hien nhung dai ly nhu vay lai khong cd nhieu, do BIC can phai cd nhung chien lupc thich hop de gitr chan luc luong dai ly cua minh, khong de cac cdng ty doi thu thu hut mat nhu hang thang co cac phan thudng danh cho dai ly co doanh thu cao, nhung dai ly cd doanh thu cao co the dupe cdng ty giu lai lam can bo chinh thuc Ben canh do, cdng ty cung co the thu hut cac dai ly gibi cua cac cdng ty doi thu, mot mat co the tan dung cac moi X quan he vdi cac khach hang cua ho, mat khac co the tang thi phan cua ban than cdng ty, giam thi phan bao hiem cua cac doi thu canh tranh 3.4 Mot so kien nghi Bo tai chinh can nhanh chong dua vao su dung co sb du lieu ve khach doanh nghiep bao hiem phi nhan tho phai nghiem chinh chap hanh Tir do, 88 tucmg lai gan se trien khai cor so du lieu khach hang bao hiem xe co gioi tien hanh cap nhat thong tin khach hang len he thong chung mot each nghiem tuc va chinh xac Hien nay, xa hoi cang phat trien, cang co them nhieu trubng hpp mdi phat sinh khong co Luat bao hiem, do Nha nude can nghien cung da loi thbi, khong dupe ap dung thuc te do Nha nude cung can phai chinh sua lai cho hpp ly, nham tao khung phap ly hoan chinh cho cac doanh nghiep bao hiem dang hoat dong, cung nhu tang cubng hieu luc va tien tdi hoan thien dan luat kinh doanh bao hiem dua tren nhung dong gop tu phia cac doanh nghiep y z Ngoai ra, Nha nude cung can phai co nhung che tai co sue ran de du manh doi vdi nhung doanh nghiep bao hiem, dai ly bao hiem vi pham luat kinh doanh bao hiem hay cac quy dinh khac cua phap luat Ben canh do, A z nhung hanh vi true lpi bao hiem cung can phai dupe xu ly nghiem minh, neu y y z muc nghiem trong, true lpi vdi so tien bao hiem ldn thi can phai truy cuu trach nghiem hinh su Nha nude cung nen lap cac Ban tra kiem tra, giam sat chat che hoat dong cua cac cdng ty bao hiem de kip thbi phat hien, ngan chan cac sai pham hoat dong kinh doanh bao hiem Mat khac, Nha nude cung z y nen co van ban yeu cau cac co quan huu quan nhu canh sat, toa an phoi hpp 9 9 vdi cac doanh nghiep bao hiem de co the xac minh cac vu viec bao hiem dupe chinh xac va nhanh chong nhat # Z y y Cung giong nhu cac Ngan hang, Nha nude cung can phai yeu cau cac Z cdng ty bao hiem thiet lap mot mang ludi thong tin khach hang chung de cd 89 the khoanh vung cac khach hang khong dang tin cay, cung nhu kip thdi phat r r \ / hien nhung khach hang co dau hieu lira dao chiem doat tien bao hiem (cd y bao hiem trung ) x r Ngoai nhung kien nghi tren thi Nha nude cung can phai tang cudng cac bien phap de giam thieu tai nan giao thong nhu kien quyet thu giu cac phuong tien giao thong da het thdi han su dung, tang muc phat vi pham luat giao r r thong, lap dat cac thiet bi giam sat hanh trinh tren cac xe khach chay dudng Z 9 /■ o dai, lap dat cac bien canh bao nguy hiem tai nhung tuyen dudng hay xay tai r r nan, nang cap, sua chua nhung tuyen dudng da bi hu hong, nang cao y thuc tham gia giao thong cua ngudi dan Nhung bien phap tren khong chi giup / giam thieu nhung thiet hai dang tiec tai nan giao thong gay ma no 90 KET LUA N Phat trien kinh doanh bao hiem xe co gidi la mot hoat dong vo cung quan thuc day su phat trien cua nganh bao hiem phi nhan tho tai Viet r Nam, da va dang duoc tat ca cac cong ty bao hiem phi nhan tho tap trung thuc ? /■ r hien Thuc te cho thay bao hiem xe co gidi tai Viet Nam phat trien nhanh y chong nhung khong ben vung Mac du doanh thu phi bao hiem xe co gidi tang trudng rat nhanh nhung hieu qua lai rat thap ty le boi thuong chung cua toan thi tuong rat cao nen da phan cac cong ty bao hiem phi nhan tho tren y ~ y thi tuong Viet Nam deu lo ve nghiep vu Vi vay nghien cuu thuc trang thi truong bao hiem xe co gidi tai Viet Nam de de cac bien phap phat trien kinh doanh bao hiem xe co gidi cua Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam noi rieng va cac Cong ty hoat dong linh vuc bao hiem phi nhan tho noi chung trd nen can thiet, gop phan thuc day thi truong bao hiem xe co gidi tai Viet Nam phat trien mot cach nhanh chong y va ben vung De giai quyet van de neu tren, phat trien kinh doanh bao hiem xe co gidi cua Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet yr / Nam, luan van da de cap den cac noi dung chu yeu sau: r r y y Mot la, he thong hoa cac van de ly luan co ban ve hoat dong kinh doanh bao hiem xe co gidi tren thi truong Viet Nam Phan tich cac khai niem, vai y r r r tro, su can thiet va cac nhan to anh hudng den hoat dong kinh doanh bao hiem xe co gidi tai thi truong Viet Nam Tu khang dinh su tat yeu khach quan phai phat trien kinh doanh bao hiem xe co gidi Hai la, phan tich cac dac diem va thuc trang hoat dong kinh doanh bao hiem xe co gidi cua Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam Danh gia ket qua dat duoc, dong thoi chi nhung han 91 ' ' •9 che va nguyen nhan chu yeu hoat dong kinh doanh bao hiem xe co • r • gioi cua cong ty Ba la, de cac giai phap va kien nghi co co sb khoa hoc va co tinh kha thi nham phat trien kinh doanh bao hiem xe co gioi cua Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam DANH MUC TAI LIEU THAM KHAO • • Bo Tai Chinh Viet Nam, 2012 Thong tu so 151/2012/TT-BTC 12/9/2012 cua Bo tai chinh sua doi bo sung Thong tu so 126/2008/TT-BTC 22/12/2008 va Thong tu so' 103/2009/TT-BTC 25/5/2009 o r Cue dang kiem Viet Nam, 2008-2012 Tong hap so luang cac phuang tien giao thong cd nuac tu nam 2008 den 2012 Hiep hoi Bao hiem Viet Nam, 2008-2012 Ban tin (So lieu thi trudng bao hiem Viet Nam) Le Quang Trung, 2007 Luan van Thac si Kinh te, “Hoan thien cdng tac giam dinh bdi thuang ton that nghiep vu bao hiem vat chat va bao hiem trach nhiem dan su cua chu xe ca gicri doi vai nguai thu ba tai Cdng ty cd phan bao hiem Petrolimex (Pjico) Nguyen Manh Tuan, 2010 Luan van Thac si Quan tri kinh doanh, “Nang cao chat luang dich vu bao hiem phi nhan tho tai Cdng ty Bao hiem Ngan hang Dau tu va Phat trien Viet Nam (BIC) ” PGS.TS Nguyen Van Dinh, 2012 Giao trinh Bao hiem Ha Noi: Nha xuat ban Dai hoc Kinh te Quoc dan PGS.TS Nguyen Van Dinh, 2012 Giao trinh Quan tri kinh doanh Bao hiem Ha Noi: Nha xuat ban Dai hoc Kinh te Quoc dan PGS.TS Hoang Minh Dudng, PGS.TS Nguyen Thua Loc, 2005, Gzdo trinh Quan tri Doanh nghiep Thuang mai Ha Noi: Nha xuat Lao dong - Xa hoi Pham Phu Nghi, 2010 Luan van Thac si kinh te, “Nang cao nang luc canh tranh cua dich vu bao hiem xe ca giai tai Tdng cdng ty Bao hiem Bao Viet” 10 Phung Thi Huong Giang, 2006 Luan van Thac si Kinh te, “Bao 9 A A hiem xe co gioi tai Tong cong ty cd phan Bao Minh tie nam 1994 den nam 2005 - Thuc trang va gidi phap 11 Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet r r Nam, 2008-2012 Bao cao ket qua kinh doanh tie nam 2008 den 2012 12 Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam, 2008-2012 Bao cao thuong nien 13 Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet r r r Nam, 2012 Quy tac bao hiem ket hop xe co gidi ban hanh kem theo Quyet dinh so 3166/QD-PHH 06/11/2012 cua Tong giam doc Tong cong ty cd \ A phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam 14 Tong cong ty co phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam, 2013 Hudng dan nghiep vu bao hiem xe co gidi ban hanh kem theo cong vdn so: 0748/CV-PHH 05/04/2013 cua Tong giam doc Tong cong ? A A ty cd phan Bao hiem Ngan hang Dau tu va Phat trien Viet Nam