Phát triển thị trường bảo hiểm nhân thọ ở việt nam trong điều kiện hội nhập kinh tế quốc tế

1 TRUONG DAI HOC KINH TE QUOC DAN ■ ■ - DA! HOC KTQD TT THONG TIN THlfVIEN PHONG LUANAN-TULIEU LE MINH PHU PHAT TRIEN THI TRlfONG BAO HIEM NHAN THO VIET NAM TRONG DIEU KIEN HOI NHAP KINH TE QUOC TE CHUYfiN NGANH: KINH Tfi' CHINH TRI LUAN VAN THAC SY KINH TE • • Ngtidi htfo'ng dan khoa hoc: PGS TS TRAN VIET TIEN IIA SOI, NAM 2010 I i h ■ MUC LUC • • DANH MUC BANG BIEU, HINH VE TOM TAT LUAN VAN PHAN MCI DAU CHUONG 1: CO SO LY LUAN VA THUG TIEN VE PHAT TRIEN THI TRUONG BAO HIEM NHAN THQ VIET NAM TRONG BIEU KIEN HQI NHAP KINH TE QUOC TE 1.1 BAO HIEM NHAN THQ VA VAI TRO CUA BAO HIEM NHAN THQ 1.1.1 Quan niem ve bao hiem nhan tho 1.1.2 Cac loai hinh bao hiem nhan tho 1.1.3 Vai tro cua bao hiem nhan tho 10 1.2 MOT SO VAN DE CO BAN VE PHAT TRIEN THI TRLfClNG BAO HIEM NHAN THO 13 nhan tho 13 1.2.2 Noi dung phat trien thi truong bao hiem nhan tho 17 1.2.3 Nhan to anh hudng tdi phat trien thi truong bao hiem nhan tho 28 r r t x 1.2.4 Tinh tat yeu phat trien thi truong bao hiem nhan tho dieu kien hoi nhap kinh te quoc te 34 1.3 KINH NGHIEM PHAT TRIEN THJ TRUONG BAO HIEM NHAN THQ MQT SO QUOC GIA 38 1.3.1 Tong quan kinh nghiem phat trien thi truong bao hiem nhan tho d r r mot so quoc gia 38 1.3.2 Nhung bai hoc rut nghien cuu kinh nghiem phat trien thi truong bao hiem nhan tho d mot so quoc gia tren the gidi 41 CHlTONG 2: THLC TRANG THI TRIONG BAO HIEM NHAN THQ d VIET NAM 43 2.1 QUA TRINH HINH THANH VA PHAT TRIEN BAO HIEM NHAN THQ VIET NAM 43 2.1.1 Giai doan 1996-1999 44 2.1.2 Giai doan 2000 den 44 2.2 HIEN TRANG THI TRUONG BAO HIEM NHAN THQ Q VIET NAM 46 ■% r r •> 2.2.1 Ve chien luge, quy hoach va ke hoach phat trien thi truong bao hiem nhan tho Viet Nam 46 2.2.2 Ve cung tren thi truong bao hiem nhan tho 49 X A 2.2.3 Ve cau tren thi truong bao hiem nhan tho 56 X 2.2.4 Ve gia ca tren thi truong bao hiem nhan tho 62 2.3 NHtrNG NHAN XET RUT RA KHI NGHIEN CUU THQC TRANG VE THI TRUONG BAO HIEM NHAN THQ VIET NAM 65 2.3.1 Nhung uu diem , 65 2.3.2 Nhung han che va nhung nguyen nhan cua han che 70 CHlTONG 3: 77PHUONG HUONG VA MQT SO GIAI PHAP NHAM PHAT TRIEN THI TRUONG BAO HIEM NHAN THQ CI VIET NAM TRONG DIEU KIEN HQI NHAP KINH TE QUOC TE 77 3.1 PHUONG HUONG PHAT TRIEN TH} TRUONG BAO HIEM NHAN THQ Q VIET NAM TRONG DIEU KIEN HQI NHAP KINH TE QUOC TE 77 3.1.1 Nhung can cu de xac dinh phuong hudng phat trien thi truong bao 3.1.2 Dinh hudng phat trien thi truong bao hiem nhan tho d Viet Nam 85 3.2 NHU*NG GIAI PHAP CO BAN NHAM DAY MANH PHAT TRIEN TH} TRUONG BAO HIEM NHAN THQ VIET NAM TRONG DIEU KIEN HOI NHAP KINH TE QUOC TE 93 3.2.1 Tiep tuc hoan thien chien luge, quy hoach, ke hoach phat trien thi truong bao hiem nhan tho va co che chinh sach co lien quan 93 ft r 3.2.2 Dam bao tang truong kinh te on dinh 95 3.2.3 Phat trien dong bo cac loai thi truong 98 3.2.4 Nang cao nang luc quan ly cua nha nude doi vdi thi truong bao hiem nhan tho 100 3.2.5 Tang cudng nang luc cac doanh nghiep bao hiem nhan tho 102 r r 3.2.6 Nang cao chat luong hoat dong cua he thong dich vu tren thi truong bao hiem nhan tho 103 3.2.7 Nang cao nhan thuc cua ngudi dan ve bao hiem nhan tho 107 KET LUAN 110 DANH MUC TAI LIEU THAM KHAO 114 DANH MUC BANG BIEU, HINH VE •> r Bang 2.1: So luong cac cong ty bao hiem nhan tho tren thi tnrong Viet Nam nam 2008 50 yr *> Bang 2.2.Doanh thu phi bao hiem va thi phan theo khoi doanh nghiep 51 Bang 2.3: Tong so luong dai ly cua cac doanh nghiep bao hiem nhan tho (2000-2008) 55 yr r •> t Bang 2.4: Nhu cau va toe tang thuc te cua cac san pham bao hiem nhan _ r \ tho (Theo so hop dong bao hiem dang tri hieu lure) 57 Bang 2.5: So luong hop dong moi giai doan 2005 - 2008 (don vi: hop dong)59 Bang 2.6: Ket qua dieu tra ve tinh cap cua bao hiem nhan tho: .61 Bang 2.7: Mot so chi tieu danh gia ket qua hoat dong cua thi truong bao hiem nhan tho Viet Nam (2001-2008) 66 Bang 2.8 Ket qua khai thac bao hiem nhan tho o Viet Nam ( 2001 - 2008) 68 Hinh 2.1 Phi bao hiem toan thi truong giai doan 1999-2007 45 Hinh 2.2 Thi phan cac doanh nghiep bao hiem nhan tho nam 2008 53 Hinh 2.3 Phi bao hiem va so tien bao hiem khai thac moi theo nghiep vu nam 2008 .54 Hinh 2.4: Bieu ve tong doanh thu phi toan thi truong bao hiem nhan tho giai doan 1996 - 2008 64 ■ JI TRUONG DAI HOC KINH TE QUOC DAN ■ ■ - LE MINH PHU PHAT TRIEN TH| TRUONG BAO HIEM NHAN THO■ VIET NAM ■ TRONG DIEU KIEN HOI NHAP KINH TE QUOC TE CHUYfiN NGANH: KINH t£ CHINH TRI TOM TAT LUAN VAN HA KOI, AAM 2010 i •> _ X X PHAN MO DAU i TINH CAP THIET CUA DE TAl •> r r Cung vdi su phat trien cua kinh te xa hoi, ddi song cua ngudi cang duoc cai thien, nhu cau cua ngudi cang da dang va phong phu Trong do, nhu cau dam bao mot cuoc song on dinh va viec dam bao cho tuong lai cang duoc moi ngudi quan tarn Vdi mong muon tim hieu sau hon ve thi trudng bao hiem nhan tho Viet r a Nam cung vdi mot so kinh nghiem cua ban than ve linh vuc nay, toi lua chon de tai “ Phat trien thi trw&ng bao hiem nhan tho & Viet Nam dieu kien hoi nhap kinh te quoc te” TINH HINH NGHIEN ci'l X khac ve thi trudng bao hiem nhan tho tren pham vi ca nudc - Hien trang va hudng phat trien thi trudng bao hiem nhan tho d Viet _ F Nam cua Nguyen Van Trinh - Tap chi nghien cuu kinh te nam 2008 - Thi trudng bao hiem nhan tho Viet Nam: Co hoi va thach thuc cua Nguyen Tien Dudng - Trudng dai hoc kinh te quoc dan nam 2002 2010 cua Bo tai chinh r r \ Nhung cong trinh, bai viet neu tren d muc khac co de cap den phat trien bao hiem nhan tho tren pham vi ca nudc, nhung chua co mot cong trinh bai viet nao nghien cuu, danh gia mot cach he thong de phat trien thi r x r trudng bao hiem nhan tho d Viet Nam dieu kien hoi nhap kinh te quoc te dudi goc kinh te chinh tri MUC DICH VA NHIEM VU NGHIEN cUu 3.1 Mucdich nghien cuu Tren cor sd khai quat ly luan ve bao hiem nhan tho va phan tich hien trang, f F 9 cac nhan to anh hudng den phat trien thi trudng bao hiem nhan tho d Viet ii Nam thoi gian qua, luan van de cac quan diem va giai phap co ban ■* >7 nham phat trien manh me hon nua bao hiem nhan tho Viet Nam dieu kien hoi nhap kinh te quoc te 3.2 Nhiem vu nghien curu nhiem vu sau: - khai quat ly luan ve phat trien thi truong bao hiem nhan tho - Nghien curu ve bao hiem nhan tho o Viet Nam thoi ky hoi nhap kinh te quoc te - Nghien cuu va de xuat cac quan diem va giai phap nham phat trien thi truong DOI TtfONG VA PHAM VI NGHIEN cUu 4.1 Doi tuong nghien cuu Doi tuong nghien cuu cua luan van la phat trien thi truong bao hien nhan • A z z z tho o Viet Nam dieu kien hoi nhap kinh te quoc te 4.2 Pham vi nghinn cuu r z Thoi gian nghien cuu chu yeu tu nam 2003 cho den Khong gian nghien cuu: tren pham vi ca nuoc PHUONG phap nghien cuu Su dung phuong phap vat bien chung, vat lich su, phan tich va tong hop; triu tuong hoa, phuong phap chuyen gia, dong thoi su dung nhung tai lieu thong ke de thuc hien muc dich nghien cuu NHUNG DONG GOP CUA LUAN VAN - Lam ro va danh gia ve thuc trang phat trien thi truong bao hiem nhan tho o Viet Nam - Thong qua viec phan tich va danh gia hien trang thi truong bao hiem Z z nhan tho thay duoc nhung tuu va han che cua thi truong bao hiem nhan tho Viet Nam thoi gian qua - Luan van cung dua duoc cac giai phap nham gop phan nang cao nang luc canh tranh cua cac cong ty bao hiem nhan tho hoat dong tai thi truong Viet Nam BO CUC LUAN VAN • • Ngoai phan md dau, phan ket luan, danh muc tai lieu tham khao, luan r r van ket cau chuomg: CHUONG 1: CO SO LY LUAN VA THUC TIEN VE PHAT TRIEN THI• TRUONG BAO HIEM NHAN THO• O VIET NAM TRONG HIEU • KIEN HOI NHAP KINH TE QUOC TE CHUONG 2: THU'C TRANG THI TRUONG bAo HIEM NHAN THO VIET NAM CHUONG 3: PHUONG HUONG VA MOT SO GIAi PHAP NHAM PHAT TRIEN THI• TRUONG BAO HIEM NHAN THO• O VIET NAM • TRONG HIEU KIEN HOI NHAP KINH TE QUOC TE iv CHUONG 1: CO SO LY LUAN VA THllC TIEN VE PHAT TRIEN THI • • • TRUONG BAO HIEM NHAn THO O VIET NAM TRONG • • DIEU KIEN HOI NHAP KINH TE QUOC TE 1.1 BAO HIEM NHAN THO VA VAI TRO CUA BAO HIEM NHAN THO 1.1.1 Quan niem ve bao hiem nhan tho Trong tien trinh phat trien kinh te thi truong cho den nay, co nhieu quan diem ve bao hiem nhan tho r a z z Cac nha kinh te My cho rang “ Bao hiem la mot co che, theo co che nay, mot nguoi, mot doanh nghiep, mot to chuc chuyen nhuong rui ro cho cong ty bao hiem, cong ty se boi thuong cho nguoi duoc bao hiem cac ton that thuoc pham vi bao hiem va phan chia gia tri thiet hai giua tat ca nhung nguoi duoc bao hiem” (Web bao hiem) • r ô ã z z Ban chat cua bao hiem la viec phan chia ton that cua mot hoac mot so nguoi r •> r cho tat ca nhung nguoi tham gia bao hiem cung chiu, dua tren quy luat so dong Nhu vay, “Bao hiem nhan tho la mot quy dw tru tai chinh dai han duoc dong gop boi so dong nguoi de nham chia se rui ro cho mot so it nguoi" 1.1.2 Cac loa i hinh bao hiem nhan tho • • - Bao hiem truong hop tu vong (bao hiem tu ky, bao hiem nhan tho tron doi ) - Bao hiem truong hop song ( bao hiem sinh ky) - Bao hiem nhan tho hon hop 1.1.3 Vai tro cua bao hiem nhan tho Z - Doi voi nguoi tham gia bao hiem: A Z ~ Gop phan on dinh cuoc song cho ca nhan va gia dinh, cho dua tinh than cho nguoi duoc bao hiem Gop phan on dinh tai chinh va san xuat kinh doanh cho cac doanh nghiep Gop phan nang cao suc khoe cho nguoi tham gia bao hiem 102 day manh moi lien ket giua cac doanh nghiep nudc va doanh nghiep •> nudc ngoai tao su canh tranh lanh manh tren thi trudng, tu thuc day thi trudng phat trien 3.2.5 curding nang luc cac doanh nghiep bao hiem nhan tho ' * ■ - ■ r Kinh nghiem cua thi trudng bao hiem nhan tho Han Quoc, Trung Quoc, Indonexia cho thay md cua thi trudng bao hiem nhan tho, co su tham gia cua cac doanh nghiep nudc ngoai, thi trudng luon phat trien nhanh va •> ‘ A manh Su phat trien cua thi trudng bao hiem Viet Nam phai dam bao nhu cau hoi nhap quoc te va thoa thuan song phuong giua Viet Nam vdi khoi ASEAN, EU, WTO Vi vay viec tang cudng nang luc cua thi trudng co the thuc hien theo cac hudng sau: + Day nhanh co phan hoa doanh nghiep BHNT thuoc sd huu nha nudc: tren thuc te qua trinh co phan hoa cac doanh nghiep nha nudc da va dang duoc thuc hien nham nang cao hieu qua hoat dong cua cac cong ty nay, tu se tao su nang dong, nang cao trach nhiem cua ngudi lao dong doanh nghiep + Md cua thi trudng bao hiem nhan tho: Cho phep cac doanh nghiep nudc ngoai md van phong dai dien tai Viet Nam, lap cac doanh nghiep 100% von nudc ngoai Khi co them cac doanh nghiep nudc ngoai, cong tac quang cao ve bao hiem nhan tho se duoc tang cudng, hieu biet ve bao hiem nhan tho cua mot bo phan dan cu nhat dinh se tang len Cac doanh nghiep mdi ngoai viec khai thac cac doan thi trudng dang duoc khai thac, ho md rong quy mo khai thac den cac doan thi trudng mdi so san pham se da dang hon, ngudi dan se co •» nhieu co hoi hon de tham gia bao hiem nhan tho Vdi thuc te cua nen kinh te Viet Nam noi chung va thi trudng bao hiem nhan tho noi rieng thi viec tiep tuc md cua thi trudng bao hiem nhan tho la dieu khong tranh khoi Tuy nhien viec md cua thi trudng cho cac doanh 103 nghiep nuoc ngoai tham gia vao thi truong bao hiem nhan tho Viet Nam thoi gian toi nen theo trinh tu sau: + Thu nhat, cho phep cac doanh nghiep bao hiem nuoc ngoai mo van 9 phong dai dien de cac doanh nghiep co the xem xet danh gia thi truong cung nhu kha nang kinh doanh cua doanh nghiep + Thu hai, tiep tuc mo cua han che cho mot so doanh nghiep nuoc ngoai lap doanh nghiep 100% von nuoc ngoai hoac cho phep doanh nghiep nuoc ngoai lien doanh voi cac doanh nghiep nuoc Viec mo cua thi truong nen lua chon cac doanh nghiep co kha nang tai chinh, co kinh nghiem hoat dong de tao mot thi truong bao hiem nhan tho viet Nam lanh manh, nang cao nang luc tai chinh cua thi truong + Tang cuong nang luc tai chinh cho cac doanh nghiep bao hiem nhan A tho thong qua sat nhap, lien ket giua cac doanh nghiep bao hiem voi hoac voi cac ngan hang Viet Nam kinh doanh bao hiem nhan tho Viet Nam da gia nhap WTO vay viec cac tap doan tai chinh, bao hiem, ngan hang nuoc ngoai co tiem luc tai chinh co nang luc quan ly cao tham gia vao thi truong la r khong the tranh khoi Thuc te doi hoi cac doanh nghiep bao hiem \ ? X e r e nuoc can nhanh chong xem xet van de lien ket sat nhap voi hoac voi cac Ngan hang Viet Nam de ho tro cai thien kha nang tai chinh cua ngan hang va # Z doanh nghiep bao hiem Su lien ket giua ngan hang va bao hiem cung se tao dieu kien thuan loi cho viec ket hop cac dich vu tai chinh tao san pham ngan hang bao hiem hap dan khach hang de tang cuong kha nang canh tranh, phat trien ben vung va chu dong doi dau voi cac thach thuc cua hoi nhap 3.2.6 Nang cao chat luong hoat dong cua he thong dich vu tren thi truong bao hiem nhan tho r v r Cung co va phat trien he thong dich vu bao hiem: r 9 X He thong dich vu bao hiem doi va phat trien theo yeu cau khach quan 104 cua xa hoi Xuat phat tu vai tro cua he thong dich vu bao hiem nhan tho doi vi viec hoan thien thi truong bao hiem nhan tho thoi gian toi, do can f nang cao hieu qua hoat dong cua he thong dich vu bao hiem nhan tho Viet f a f f Nam dieu kien hoi nhap kinh te quoc te, thong qua nhung noi dung sau: F 9 - Quy hoach lai he thong dich vu bao hiem nhan tho, doi moi mo hinh to r chuc he thong trung tam phuc vu khach hang theo huong xac dinh ro muc tieu, chuc nang hoat dong cua tung trung tam tu cong ty den cac chi nhanh va cac van phong tong dai ly, giup he thong trung tam phuc vu khach hang tro nen linh hoat, co dong, thich ung nhanh, thuan tien cho nguoi tham gia bao hiem Phat trien he thong thong tin, thong ke thi truong bao hiem nhan tho A A Viec dieu chinh cac hoat dong tren thi truong bao hiem nhan tho can r a phai co mot he thong co so du lieu va thong tin day du, co tin cay cao Do la cac thong tin ve cung - cau tren thi truong, ve co cau san pham, ve dao tao dai ly, kha nang marketing, tien hoa hong, cac san pham moi, cac cong ty moi tham gia thi truong Thong qua cac so lieu ve dan so, hoat dong kinh te, thong qua thi truong bao hiem nhan tho cung cap co so de xac dinh cung, la ' -9 * nen tang de hinh cac chinh sach phat trien thi truong Cac thong tin thi r r f a •» truong can thiet viec thiet ke cac san pham moi, danh gia kha • « r r a nang tieu thu cua cac san pham, yeu to cau tren thi truong, dao tao dai ly, cac A chinh sach tien luong Trong nhung nam gan day, Viet Nam da xay dung he thong thong tin F thong ke thi truong bao hiem co thi truong bao hiem nhan tho Tai fa Hiep hoi bao hiem Viet Nam da co nhung hoat dong thong ke thi truong nham tao dieu kien thuan loi cho thi truong bao hiem phat trien manh Thuc hien rong rai thong tin thi truong hang quy, hang nam giup cho cac cong ty bao F r A A hiem nam bat duoc tinh hinh, kip thoi dieu chinh theo nhu cau cua thi truong 105 f Xay dung va md rong cac trung tam phuc vu khach hang tren khap ca nuoc Hien tren pham vi ca nuoc, cac trung tam phuc vu khach hang da r a dugc phat trien manh Hau khap cac tinh ca nudc da co cac trung r \ a tam phuc vu khach hang, nhien chi ton tai d mot so cong ty cd thi phan ldn r tren thi trudng nhu Bao Viet, Prudential so cac cong ty khac mang ludi trung tam phuc vu khach hang chi cd d mot so ldn, dan den dich vu cham soc khach hang gap nhieu kho khan Vi vay, hiep hoi bao hiem Viet Nam A nen xay dung cac trung tam phuc vu khach hang ve bao hiem nhan tho de ngudi dan cd dieu kien hieu ro hem ve bao hiem, viec phuc vu khach hang se dugc thuan lgi, dong thdi nang cao kha nang hoat dong cua thi trudng 9 f To chuc thuong xuyen, cd dinh ky va nang cao chat lugng cua cac budi hoi thao ve bao hiem nhan thg Muc dich cua cac budi hoi thao ve bao hiem nhan thg la de mang bao r r a a hiem nhan thg den gan hon vdi cuoc song, vi vay can md rong hoat dong mot each thuong xuyen, dinh ky, day la nori ma ngudi tham gia bao hiem (cau) va cong ty bao hiem (cung) gap nhau, dong thdi ngudi tham gia bao hiem cd quyen lua chgn cho minh nhung san pham phu hgp nhat vdi hoan canh kinh te cung nhu nhu cau bao hiem cua ban than r r r f a Muc tieu trudc mat doi vdi nganh bao hiem Viet Nam la rat nang ne r fa Viec tri dugc toc tang trudng len den 40% mot nam la dieu kho khan, nhien de nang cao hon nua so vdi toc tang trudng ba nam qua la dieu cd the thuchiendugc De lam dugc viec nay, cac doanh nghiep bao hiem Viet Nam nen tap A trung vao cac giai phap phu hgp nham tang doanh thu va nang cao hieu qua A dau tu nhu sau: F F Tiep tuc da dang hoa san pham, nang cao chat lugng dich vu va phat trien mang ludi dai ly bao hiem chuyen nghiep va md rong mang ludi Hien 106 cac cong ty bao hiem phi nhan tho nude hoat dong tot hon cac doi thu canh tranh nudc ngoai mot phan nhd su bao ho cua Chinh phu, mot phan dua vao mang ludi khach hang da dupe xay dung tu trudc Cac cong ty bao hiem Viet Nam can nang cao nang luc canh tranh, khai thac thi trudng va cac mdi quan he nham tri va phat trien mang ludi khach hang truyen thong r r ** •> y Day la mot yeu to quan ho tro cac cong ty bao hiem co them nguon luc de thuc hien cac ke hoach va chien luoc kinh doanh dai han de canh tranh vdi cac doi thu nudc ngoai co tiem luc Thanh lap cac to chuc dau tu doc lap vdi hoat dong khai thac de co the y •> thuc hien dau tu chuyen nghiep va hieu qua tu phi bao hiem Lien doanh, lien ket vdi cac to chuc tai chinh de co the co kha nang manh hon vdi ap luc canh tranh cac cong ty bao hiem nudc ngoai gia nhap thi trudng theo lo trinh cam ket cua Viet Nam vdi WTO Giam su bao ho cua Nha nudc ddi vdi cac doanh nghiep bao hiem bang each dua cac doanh nghiep bao hiem len san de vua gia tang gia tri cho doanh nghiep, vua de huy dong von, gia tang kha nang tai chinh hoat dong r Mudi lam nam qua, nganh bao hiem da co nhung dong gop nhat dinh vao su phat trien cua he thong tai chinh noi rieng va tang trudng kinh te Viet Nam noi chung Thi trudng bao hiem Viet Nam la mot kenh quan tren r r thi trudng von, the hien tat ca cac vai tro tren thi trudng tai chinh Do la dam bao su on dinh thong qua viec tap trung va phan tan rui ro, tang cudng on dinh tai chinh ho gia dinh va doanh nghiep, huy dong von dai han va r y r dau tu dai han, giam ap luc ddi vdi ngan sach nha nudc thong qua he thong bao hiem xa hoi Tuy van nhung han che nhat dinh viec dong gop mot each r chu dong vao phat trien tai chinh, nhung nhung han che se nhanh chong duoc gd bo Vdi muc tieu chien luoc phat trien phu hop va tren co sd dieu 107 kien kinh te - xa hoi thuan loi, nganh bao hiem Viet Nam se tiep tuc khang dinh vai tro trongnenkinhte 3.2.7 Nang cao nhan thirc cua ngudi dan ve bao hiem nhan tho Mot nhung thu thach lon nhat cua bao hiem nhan tho hien tai la A lam cho dai bo phan dan chung hieu va y thuc duoc tam quan cua bao F A F hiem nhan tho doi voi cuoc song cua ho Chi hieu duoc tam quan thi bao hiem nhan tho mdi co budc phat trien manh Ngoai chinh sach r r r r r uu dai thue doi vdi ngudi mua bao hiem nhan tho cung la mot yeu to rat quan thuc day su phat trien cua nganh bao hiem nhan tho Ngoai ra, cac phuong tien thong tin dai chung ket hop vdi Bo Tai chinh, Hiep hoi Bao hiem Viet Nam va cac bao dai Trung uong va dia phuong to chuc cac su kien, hoi thao, de tuyen truyen va giao due y thuc ngudi dan ve bao hiem nhan tho thi nhan thuc ve bao hiem cua ngudi dan se duoc nang cao, moi ngudi se biet each tu bao ve minh va bao ve gia dinh trudc nhung rui ro ve tai chinh, biet each len ke hoach tai chinh va tiet kiem A du phong hop ly.Cac doanh nghiep bao hiem can phai quang ba thuong hieu nhieu hon, to chuc nhieu budi hoi thao, hoi nghi toa dam ve bao hiem nhan tho d tung pho, huyen, xa va den ca cac thon ban nham giup cho ngudi dan hieu hon ve bao hiem nhan tho cung nhu nhung quyen lqi cua bao hiem nhan tho mang lai cho ngudi dan r a Ben each do, cac doanh nghiep cung can dao tao cho doi ngu tu van \r r vien tu van mot each chuyen nghiep, cd dao due nghe nghiep, tu van dung, du va chinh xac ve tat ca cac quyen lqi cua ngudi dan tham gia bao hiem Mot so kien nghj doi vdi Dang va Nha nirdc nham thuc day sir phat trien cua thj trudng bao hiem nhan tho d nudc ta thdi gian tdi A F De cac giai phap de cap phat huy hieu qua, tac dong tot tdi sir phat trien a r cua thi trudng bao hiem nhan tho d Viet Nam dieu kien hoi nhap kinh te 108 quoc te can phai co nhung dieu kien nhat dinh nhu su phat trien on dinh cua nen kinh te, su phat trien ve co so tang ky thuat cua nen kinh te, su cai thien ve trinh dan tri, su phat trien cua thi truong tien te, thi trudng chung r y r x khoan, thi trudng bat dong san Dieu phu thuoc rat nhieu vao cac chinh sach kinh te xa hoi cua Nha nuoc va Chinh phu cung nhu su no luc cua cac z z z ban nganh co lien quan Vi vay, luan van dua mot so kien nghi doi voi Nha nuoc nham gop phan thiet lap moi trudng phat trien phu hop cho thi trudng bao hiem nhan tho o Viet Nam dieu kien hoi nhap kinh te quoc te, cac X Z kien nghi gom: Tang cwang vai tro quan ly nha nwffc, dieu chinh cac chinh sach X X X X tien te va tai khoa nham tri su phat trien on dinh va ben vung cua nen kinh te r y r y r r Trong nhung nam gan day, bat chap anh huong cua nen kinh te the gioi nhu chien tranh o Irac, khung hoang tai chinh o cac nuoc Dong Nam A, gia X X Z X dau tho tang cao, dich cum gia cam, benh SARR, nen kinh te Viet Nam van tri duoc toc tang truong kinh te o muc tren 7% mot nam Day chinh la cong cua Chinh phu Viet Nam viec van dung tai tinh cac chinh sach kinh te - xa hoi, dac biet la chinh sach tien te va tai khoa De tiep tuc yr 77 yr tri phat trien on dinh cua nen kinh te thdi gian toi, Chinh phu can tiep X Z X tuc dua cac chinh sach tien te hop ly theo huong kiem soat lai suat tien gui, Z Z X tri ti gia hoi doai on dinh, Doi voi chinh sach tai khoa, Chinh phu can z cat giam chi tieu thong quan cac bien phap: tinh giam bo may hanh chinh, tach z biet giua hanh chinh su nghiep voi san xuat kinh doanh; tang cudng thuc hanh r r x z x tiet kiem chong lang phi, quan ly chat cac du an dau tu su dung von dau tu cua Nha nuoc Cai thien moi trw&ng dau tw •> t r y Su phat trien cua thi trudng bao hiem nhan tho phu thuoc rat nhieu vao 109 x x •» * x f moi truong dau tu cua nen kinh te Do vay Nha nuoc can ban hanh, sua doi he thong cac luat, cac van ban dudi phu hop vdi hoan canh Viet Nam da la vien WTO, bao gom: luat doanh nghiep, luat dau tu, luat thue, luat canh F X tranh Ngoai ra, Chinh phu cung can dua cac bien phap manh khac phuc X tinh trang tham nhung, sach nhieu va thu tuc hanh chinh rdm de tao dieu kien thuan loi cho cac doanh nghiep tien hanh kinh doanh Cai thien cor sd tang giao thong van tai va thong tin lien lac De cai thien tinh hinh kinh te xa hoi cua cac khu vuc vung sau vung xa, nang cao thu nhap cho ngudi dan, giam bdt khoang each giau ngheo giua cac khu vuc thi viec dau tu phat trien co sd ting giao thong van tai, thong tin xx xx lien lac thuc chat la hoat dong di trudc don dau Dau tu co sd tang can tru f vao he thong giao thong d nong thon, giao thong lien ket cac vung kinh f *> f te diem, he thong thong tin lien lac giua cac vung, cac khu vuc vdi cac ldn Thuc chat day chinh la cac hoat dong can thiet tao co hoi keu goi dau tu, du lich cho cac dia phuong gop phan phat trien kinh te - xa hoi cua cac vung, cai thien thu nhap va nang cao dan tri cho ngudi dan 110 KET LUAN Phat trien thi truong bao hiem nhan tho la mot -tit yeu va can thiet, van de da duoc Dang va Nha nuoc ta khang dinh ca ve ly luan va thuc tien t r \ \ Tuy nhien phat trien thi truong bao hiem nhan tho dieu kien nen kinh te r f r r thi truong dinh huong xa hoi chu nghia va xu the hoi nhap kinh te quoc te F hien la mot van de vo cung kho khan, phuc tap va moi me Thi truong bao hiem nhan tho o nuoc ta duoc hinh va phat trien f •> \ \ r tren co so duong loi doi moi cua Dang va nha nuoc ve phat trien nen kinh te hang hoa nhieu phan van dong theo co che thi truong co su quan ly cua nha nuoc theo dinh huong xa hoi chu nghia Muc dich cua thi truong bao hiem nhan tho dinh huong xa hoi chu nghia la xay dung quan hen thi truong F bao hiem nhan tho moi phu hop tren ca ba mat so huu, quan ly va phan phoi 9 Qua trinh hinh va phat trien thi truong bao hiem nhan tho o Viet Nam dieu kien hoi nhap kinh te quoc te the hien no luc doi moi cua Dang va r Nha nuoc theo huong thi truong Trong qua trinh do, mot nhung van de F f co tinh nguyen tac la phai thuc day canh tranh, phat huy uu the cua thi truong nhung dong thoi phai han che duoc su tu phat va nhung hau qua tieu cuc nham dam bao dinh huong xa hoi chu nghia Trong qua trinh doi moi, thi truong bao hiem nhan tho o Viet Nam dieu kien hoi nhap kinh te quoc te da tung buoc hinh di vao hoat dong, buoc dau dat duoc nhung ket qua rat tich cuc; gop phan giai quyet cong an viec lam, tang thu nhap cho nguoi lao dong, thuc day chuyen dich co cau kinh te, thuc day tang truong va phat trien kinh te - xa hoi Tren co so phan tich, danh gia thuc trang, xu huong van dong cua Cung - Cau lao dong, bao hiem nhan tho, thi truong bao hiem nhan tho, canh tranh va tinh hinh hoat dong cua thi truong bao hiem nhan tho o Viet Nam Ill * a r * r r r dieu kien hoi nhap kinh te quoc te, nhung phuong hudng va giai phap chu yeu A •> F da duoc de xuat tap trung vao viec phat trien thi truong bao hiem d Viet Nam Xac dinh rd dac diem cua thi trudng bao hiem nhan tho d Viet Nam la thi trudng mdi so khai dang qua trinh hinh nhung da cd su phat trien nhanh va manh \ r •> Hau het cac doanh nghiep bao hiem nhan tho dang hoat dong tren thi trudng bao hiem nhan tho Viet Nam la cac doanh nghiep 100% von nudc ngoai, cd kinh nghiem linh vuc kinh doanh bao hiem nhan tho thira ke dugc kinh nghiem cua cac cong ty me Su gop mat cua cac doanh 7 nghiep da tao su phat trien mang tinh bung no cua thi trudng tir nam 2000 den Tuy nhien, tac dong cua rat nhieu yeu to nhu lam gia vang tang cao su phat trien cua thi trudng da chung lai vao nam 2004 va 2005 doi hoi cac doanh nghiep phai cd cac giai phap kip thdi de cai thien tinh hinh kinh doanh Cac he thong kenh phan phoi bao hiem nhan tho da bat dau cd su da dang vdi su tham gia cua cac to chuc ngan hang, vdi viec gidi thieu san pham ~ f f qua mang internet, nhung kenh phan phoi chinh van la cac tu van vien chuyen nghiep (hay goi la dai ly) Tuy nhien mot so it dai ly vi pham dao due A F nghe nghiep da lam anh hudng khong nhd den hinh anh cua cac doanh nghiep f f va tac dong xau den tam ly khach hang Doi vdi khach hang tham gia bao hiem, hanh vi mua cua ho van chu yeu tap trung vao cac san pham bao hiem hon hop, dac biet la nhung sam pham bao hiem danh cho tre em Nhu cau dugc thoa man doi vdi cac san 7 7 A pham bao hiem nhom, bao hiem tu ky, bao hiem trgn ddi, bao hiem tra tien rv a r r dinh ky van nhieu han che Luan van cung lam ro mot so nguyen nhan F A han che su phat trien thi trudng bao hiem nhan thg d Viet Nam dieu kien hoi nhap kinh te quoc te nhu cong tac tuyen truyen quang cao han 112 che, thieu su linh hoat cua cac san pham bao hiem, anh hudng cua phong tuc tap quan tiet kiem cua ngudi dan, tac dong cua lam phat va su gia tang cua gia vang, su canh tranh cua cac san pham tiet kiem, chung khoan Chinh sach r f khuyen khich ngudi dan tham gia bao hiem nhan tho cua Nha nudc chua co Cac giai phap duoc dua tren co sd xem xet toan dien thuc trang thi trudng, cac nhan to thuan loi va kho khan thdi gian tdi ket hop vdi viec bam sat quan diem muc tieu phat trien thi trudng bao hiem cua Dang va Nha nudc Nhom giai phap vi mo chu vao mot so van de: Thu nhat, dam bao kha nang tai chinh va toan cua cac doanh nghiep bao hiem nhan tho thOng quan tang cudng cOng tac giam sat cua cac co quan quan ly Thu hai, tang cudng nang luc cua thi trudng bao hiem theo hai hudng tang cudng nang luc tai chinh cua cac doanh nghiep bao hiem nudc va md cua thi trudng Nang cao vai tro cua Hiep hoi bao hiem nham lien ket va canh tranh lanh manh giua cac doanh nghiep bao hiem cung nhu xay dung cac chuong trinh hanh dong can thiet nham “ dao tao cOng chUng ve bao hiem r ? r \ nhan tho “ cung nhu thong nhat chat luong dai ly dau vao va dau 9 X Thu ba, lap to chuc Hiep hoi dai ly de bao ve quyen loi cho dai ly cung nhu dam bao chat luong cua dai ly Nhom giai phap vi mO nhan manh ve cac van de da dang hoa san pham, r f x tang cudng tuyen truyen quang cao, nang cao chat luong dich vu va chat luong cua cac kenh phan phoi cung nhu chat luong chuyen mOn cua doi ngu nhan vien cac doanh nghiep bao hiem rp r • i x x a a, a r a ,r A*9»ir i • Tac gia hy vong phan nao da neu duoc mot so giai phap mang tinh gpi r r x md de giai quyet cac han che ton tai, phat trien md rong thi trudng bao hiem nhan tho d Viet Nam dieu kien hoi nhap kinh te quoc te Hy vong X t A/ rang vdi nhung no luc ldn lao cua cac doanh nghiep bao hiem nhan tho, su 113 quan tam cua Dang va Nha nuoc, su quan tam cung vdi y thuc bao hiSm cua ngudi dan thi thi trudng bao hiem nhan tho d Viet Nam se phat triin nhanh chong, sdm hoi nhap vdi thi trudng khu vuc va the gidi Trong thdi gian toi, can thong nhat phuong hudng phat trien thi trudng bao hiem nhan tho d Viet Nam mot phat trien, gop phan thuc hien thing loi su nghiep cong nghiep hoa, hien dai hoa va muc tieu dan giau, nudc manh, xa hoi cong bang, dan chu, van minh 114 DANH MUC • TAI LIEU • THAM KHAO Bui Nhat Anh (2003), Bao hiem Viet Nam - thuc trang va giai phap phat r trien, Luan van tot nghiep- Dai hoc Ngoai thircmg, Ha Noi Bo luat lao dong cua Nudc cong hoa xa hoi chu nghia Viet Nam (2003), Nha xuat ban chinh tri Quoc gia, Ha Noi PGS.TS Do Due Binh (2004), Giao trinh Kinh te quoc te Nha xuat ban lao dong va xa hoi Ha Noi Bo giao due va dao tao (2003), Giao trinh kinh te chinh tri Mac - Le Nin, Nha xuat ban giao due, Ha Noi C.Mac - Ph, Anghen (1993), C Mac - Tuyen tap tap 23, Nha xuat ban Chinh tri Quoc Gia, Ha Noi TS Vu Kim Dung; TS Pham Van Minh ( 2006 ), Kinh te hoc Vi Md Nha xuat bao lao dong va xa hoi Nguyen Tien Duong (2002), “Thi truong bao hiem nhan tho Viet r Nam: co hoi vd thach thuc ”, Luan van thac si, trubng dai hoc Kinh te quoc dan r Dang cong san Viet Nam ( 1987), Van kien dai hoi dai bieu toan quoc Ian thu VI, Nha xuat ban Su that, Ha Noi 9 r Dang cong san Viet Nam ( 1991 ), Van kien dai hoi dai bieu toan quoc Ian thu VII, Nha xuat ban Chinh tri Quoc gia, Ha Noi 10 Dang cong san Viet Nam (2001,2006), Van kien dai hoi dai bieu toan quoc Ian thu IX,X, Nha xuat ban Chinh tri Quoc gia, Ha Noi r 11 Dang cong san Viet Nam ( 2006 ), Van kien dai hoi dai bieu toan quoc Ian thuX, Nha xuat ban Chinh tri Quoc gia, Ha Noi 12 PGS TS Nguyen Van Dinh (2009) “Giao trinh bao hiem" - Trubng dai r r hoc kinh te quoc dan 115 13 Nguyen Van Dinh, Giao trinh quan tri kinh doanh bao hiem Nha xuat ban thong ke Ha Noi 14 Nguyen Thi Hai Duong (2004), Gidi phap phat trien thi trudng bao hiem r r nhan tho d Viet Nam den nam 2010, Luan van tot nghiep dai hoc, truong Kinh te quoc dan 15 TS Doan Thi Thu Ha; TS Nguyen Thi Ngoc Huyen (2000), Giao trinh kinh te - Xa hoi Nha xuat ban khoa hoc va ky thuat Ha Noi 16 Hoc vien Chinh tri Quoc gia Ho Chi Minh, Khoa quan ly kinh te ( 2004), Giao trinh quan ly kinh te (he cu nhan chinh tri), Nha xuat ban ly luan chinh tri xa hoi 17 Pham Thuong Hong ( 2004 ), Nhidig thach thuc cua van hoa Viet Nam qua trinh hoi nhap kinh te quoc te Nha xuat ban van hoa thong tin 18 Hiep hoi bao hiem Viet Nam (so lieu thi trudng nam 2001, 2001, 2005, 2008 ) Ha Noi 19 Trieu Quan Luong, Giao trinh quan tri kinh doanh bao hiem Nha xuat ban thong ke Ha Noi 20 Kinh te 2002 - 2003 - Viet Nam va The gidi, Thdi bao kinh te Viet Nam 21 PGS.TS Ho Sy Sa (2000) “Giao trinh bao hiem" - Bo mon bao hiem, trudng dai hoc kinh te quoc dan 22 Thdi bao kinh te Viet nam cac so: 144 - 8.9.2003; 146 - 12.09.2003; 148- 15.09.2003; 153-24.09.2003; 156-29.09.2003 23 Tap chi Nghien cuu kinh te , so 303 - 8.2003 24 TS Nguyen Van Trinh “Hien trang va hudng phat trien bao hiem thi trudng Viet Nam”, T ap chi nghien cuu kinh te, 2008 25 Websile: Thong tan xa Viet Nam ( 2004 ) “Bao hiem Viet Nam trudc sue ep hoi nhap WTO" 116 26 Pham Thi My Tien BVNT Mien Nam (12/02/2007), Lick su phat trien cua dich vu bao hiem nhan tho _ v f 27 Nguyen Tien, Md cua thi trudng bao hiem Viet Nam - thuc trang va giai phap, Web bao hiem 28 Pham Thi Tuoi (2008), “Nghien cuu thi trudng vdi su phat trien cua doanh nghiep cong nghiep ”, Luan van thac si, truong Dai hoc Kinh te J* quoc dan F - _ £ - F f f 29 Tong cuc thOng ke (2002,2005), Nien giam thong ke, Nha xuat ban thOng ke, Ha Noi 30 GS.TS Do Hoang Toan (2005), Giao trinh Quan ly Nha nudc ve kinh te Nha xuat ban lao dong - Xa hoi Ha Noi 31 PGS TS Tran Binh Trong ( 2003 ), Giao trinh lich su cac hoc thuyet F F F kinh te Nha xuat ban thOng ke, Ha Noi 32 Vien quan ly bao hiem nhan tho My, “Giao trinh Marketing bao hiem nhan tho va suc khoe”, Tai lieu dich tren website: www Webbaohiem.net 33 Cac website: wwwpruddntial.com.vv/, vwwiaia.com.vn/ ww.dai-ichi- life.com.vn, baoviet.com.vn, baovietnhantho.com.vn, webbaohiem.net, baovietnhantho.marofin.com, www.korealife.com.vn,www.bhnt.com.vn