Bảo hiểm vật chất xe cơ giới ở việt nam thực trạng và giải pháp phát triển

NGUYEN THANH VINH HA NOI - 2009 TRUONG DAI HOC KINH TE QUOC DAN - NGUYEN THANH VINH DAI HOC KTQD TT THONG TIN THlfVIEN PHONG LUAN AN • TV LIEU BAO HIEM VAT CHAT XE CO (.101 O VIET NAM • • THEO TRANG VA GIAIPHAP PHAT TRIES • • Chuyen nganh: KINH TE BAO HIEM LUAN VAN THAC SY KINH TE • • Ngud'i hiring (tin khoa hoc: TS PHAM THI DINH "ftH.40^4 HA NOI - 2009 MUC LUC IOI MO DAU CHlTONG LY LUAN CHUNG VE BAO HIEM VAT CHAT XE CO Gl6l 1.1 Su can thiet khach quan va tac dung cua bao hiem vat chat xe co- gidi 1.1.1 Su can thiet khach quan cua bao hiem vat chat xe co gidi 1.1.2 Tac dung cua bao hiem vat chat xe cor gidi .7 1.2 Noi dung co1 ban cua bao hiem vat chat xe co gidi 1.2.1 Doi tuong bao hiem 1.2.2 Pham vi bao hiem 11 1.2.3 Gia tri bao hiem va so tien bao hiem: 13 1.2.4 Phi bao hiem 15 1.2.5 Cong tac de phong va han che ton that 19 1.2.6 Giam dinh va boi thubng 20 1.2.6.1 Giam dinh ton that: 20 1.2.6.2 Boi thudng: 21 1.3 Hop dong bao hiem vat chat xe co* gidi 25 1.3.1 Khai niem: 25 1.3.2 Trach nhiem cua cac ben hop dong bao hiem: 25 1.3.3 Noi dung cua hop dong bao hiem : 26 1.3.4 Thdi han bao hiem: 27 1.4 Danh gia ket qua va hieu qua kinh doanh nghiep vu bao hiem 27 1.4.1 Chi tieu ket qua: 27 1.4.2 Chi tieu hieu qua : 28 CHUONG ~ x THUC TRANG TRIEN KHAI NGHIEP _ VU _ *r a BAO HIEM VAT CHAT XE CO GI6i TREN THI TRUONG VIET NAM 32 • • • 2.1 Khai quat ve thi truong bao hiem phi nhan tho o Viet Nam 32 1.1 Qua trinh hinh va phat trien 32 2.1.1.1 Boi canh ddi .32 2.1.1.2 Ccc giai doqn phat trien .33 1.2 Cac doanh nghiep bao hiem tham gia thi truong bao hiem phi nhan tho Viet Nam 39 2.1.2.1 Tap doan Bao Viitt 39 2.1.2.2 Tong cOng ty co phan bao hiem dau (PVI) .42 2.1.2.3 Cong ty co phan bao hiem Bao Minh 45 2.1.2.4 Cong ty co phan bao hiem Petrolimex (Pjico) 46 2.1.2.5 Cac doanh nghiep bao hiem phi nhan tho khac 47 1.3 Nhung ket qua dat duqc va van de ton tai cua thi truong bao hiem phi nhan tho: 48 2.2 Phan tich thuc trang trien khai bao hiem vat chat xe co1 gibi tren thi truong bao hiem Viet Nam 53 2.2.1 Cong tac khai thac bao hiem vat chat xe co gibi 54 x z z 2.2.2 Cong tac de phong va han che ton that: 62 2.2.3 Cong tac giam dinh va boi thubng 65 2.2.3.1 Cong tac gidrn dinh 65 2.2.3.2 Cdim tac bbi ^0^ 75 2.2 Cong tac phong chong truc lqi bao hiem: 85 2.2.5 Ket qua va hieu qua hoat dong kinh doanh nghiep vu bao hiem vat chat xe co gibi cua cac doanh nghiep bao hiem phi nhan tho 89 CHLONG GIAI PHAP VA KIEN NGHI PHAT TRIEN BAO HIEM VAT CHAT XE CO GICH TREN THI• TRLONG BAO HIEM VIET • • NAM 92 3.1 Dinh huong phat trien thi trirong bao hiem Viet Nam 92 3.2 Nhung thuan loi va kho khan doi voi bao hiem vat chat xe cor gioi 100 3.2.1 Nhung thuan lai 100 3.2.2 Nhung kho khan 101 3.3 Giai phap phat trien nghiep vu bao hiem vat chat xe co1 gioi 103 3.3.1 Day manh va nang cao hieu qua khai thac: 103 3.3.2 Tang cuong cong tac de phong va han che ton that: 105 3.3.3 Thurc hien chat che cong tac giam dinh - boi thuong 106 3.3.4 Dao tao nang cao trinh chuyen mon nghiep vu cua can bo: 108 3.4 Kien nghi 109 3.4.1 Ve phia Nha nuac 109 3.4.2 Ve phia cac doanh nghiep 111 KET LUAN 115 TAI LIEU THAM KHAO 116 DANH MUC BANG BIEU Bang 1.1 : Tinh hinh xe co gioi tham gia giao thong dubng bo Viet Nam (2004-2008) Bang 1.2 : Tinh hinh tai nan giao thong dubng bo Viet Nam (2004-2008) Bang 1.3 : Bieu phi bao hiem vat chat xe co gioi: 16 Bang 2.1 : Doanh thu phi bao hiem va thi phan theo doanh thu phi cua cac nr 9 doanh nghiep bao hiem phi nhan tho nam 2008 38 Bang 2.2 : Tinh hinh khai thac bao hiem vat chat xe bto cua cac cong ty bao hiem phi nhan tho (2004-2008) .57 Bang 2.3 : Co cau doanh thu phi theo nghiep vu bao hiem nam 2007-200859 Bang 2.4 : Thi phan theo doanh thu phi bao hiem vat chat xe cor gioi cua cac A F cong ty bao hiem nam 60 F Bang 2.5 : r • • Ket qua cong tac giam dinh bao hiem vat chat xe co gioi (2004 2008) 74 Bang 2.6 : Ket qua cong tac boi thuong bao hiem vat chat xe co gioi (2004 2008) 79 Bang 2.7 Ty le boi thuong nghiep vu bao hiem vat chat xe co gioi cua cac 84 cong ty bao hiem nam 2008 Bang 2.8 : Tinh hinh giai quyet khieu nai doi boi thuong bao hiem vat chat xe co gioi (2004 - 2008) 87 Bang 2.9 : Ket qua va hieu qua hoat dong nghiep vu bao hiem vat chat xe co gioi cua Tong cong ty bao hiem Bao Viet ( 2004 - 2008): 89 r nr Bang 2.10: Ket qua va hieu qua hoat dong nghiep vu bao hiem vat chat xe co gioi cua Tong cong ty co phan Bao Minh ( 2004 - 2008): 89 Bang 2.11: Ket qua va hieu qua hoat dong nghiep vu bao hiem vat chat xe co gioi cua Cong ty co phan bao hiem Petrolimex (Pjico) ( 2004 - 2008): 90 DANH MUC CAC HINH Hinh 2.1: Toe tang truang doanh thu cua cong ty bao hiem dau (2004 -2009) 43 Hinh 2.2: Thi phan doanh thu phi bao hiem vat chat xe co giai nam 2008 60 Hinh 2.3: Quy trinh giam dinh bao hiem vat chat xe co giai 66 Hinh 2.4: Quy trinh boi thirang bao hiem vat chat xe co giai 75 r •? x r TRUING DAI HOC KINH TE QUOC DAN - goCOos NGUYEN THANH VINH BAO HIEM VAT CHAT XE CO GIO'I VIET NAM • • A •? F r z THtfC TRANG VA GIAI PHAP PHAT TRIEN • • Chuyen nganh: KINH TE BAO HIEM TOM TAT LUAN VAN THAC SY KINH TE • • Ngu'&i hu'd’ng dan khoa hoc: TS HA NOI - 2009 PHAM THI DINH i LOI Md DAU Ly chon de tai tro to Ion viec on dinh cuoc song cua ngudi, gop phan tich cue vao r viec dam bao tinh lien tuc, su on dinh va hieu qua cua qua trinh san xuat, luu thong cung nhu tieu dung xa hoi Bao hiem ho tro ve mat tai chinh qua cong tac boi thudng hoac chi tra cho cac don vi va ca nhan tham gia co ton that, thiet hai hay thuong tat than the phat sinh tu nhung rui ro ducrc bao hiem Ngoai ra, bao hiem dong vai tro quan trong su phat trien cua ~ yr thi truong tai chinh thong qua hoat dong dau tu von va cac quy nhan roi duoc ty Ion co cau doanh thu Tuy nhien, thuc trang trien khai nghiep vu tren thi truong bao hiem Viet Nam van nhieu han che, bat cap De 9 giu vung muc tieu phat trien ben vung va hieu qua, cac cong ty bao hiem va cac don vi quan ly Nha nude khong the khong chu den cong tac nang cao chat luqng dich vu, chi co nhu vay, cac doanh nghiep mdi co du nang lire r ton tai va phat trien moi truong canh tranh gay gat nhu hien X • r Viet Nam - thuc trang va giai phap phat trien” de nghien cuu Muc dich nghien cu*u - Luan van gop phan lam ro hon mot so van de ly luan ve nghiep vu bao hiem vat chat xe co gidi - Thong qua viec danh gia thuc trang trien khai nghiep vu bao hiem vat r •> chat xe co gidi cua cac doanh nghiep bao hiem phi nhan tho, luan van dua mot so kien nghi va cac giai phap vat chat xe co gidi tai Viet Nam co ban nham phat trien nghiep vu bao hiem ii Doi tirong va pham vi nghien cun - Doi tuong nghien cuu: Co so ly luan va thuc trang trien khai nghiep vu bao hiem vat chat xe co gibi o Viet Nam - Pham vi nghien cuu: Luan van su dung so lieu bao cao cua cac cong 7 r ty bao hiem phi nhan tho dang trien khai nghiep vu bao hiem vat chat xe co gioi tai thi truong Viet Nam giai doan 2004 - 2008 Phuong phap nghien cun A Luan van su dung phuong phap vat bien chung lam co so nen tang de r nghien cuu Ngoai ra, luan van su dung cac phuong phap thong ke, phan tich, so sanh de danh gia thuc trang va thong qua dua cac giai phap va kien nghi a 9 r nham phat trien nghiep vu bao hiem vat chat xe co gioi tai Viet Nam Ket cau cua luan van r r x r x Ket cau cua luan van ngoai phan mb dau, ket luan va phu luc, luan van duoc chia lam ba chuong: a r Chuong 1: Ly luan chung ve bao hiem vat chat xe co gioi 9 r Chuong 2: Thuc trang trien khai nghiep vu bao hiem vat chat xe co gioi tren thi truong Viet Nam r 9 r Chuong 3: Giai phap va kien nghi phat trien bao hiem vat chat xe co gioi tren thi truong bao hiem Viet Nam CHUONG1 LY LUAN • CHUNG VE BAO HIEM VAT • CHAT XE CO GlOl 'A X a A 1.1 Su’ can thiet khach quan va tac dung cua bao hiem vat chat xe co gioi x r ft 1.1.1 Sir can thiet khach quan cua bao hiem vat chat xe co'gioi r r Trong cuoc song cung nhu san xuat kinh doanh, ngubi luon AZA A phai doi mat vdi rat nhieu rui ro Khi rui ro xay no la ganh nang ve tai chinh va tinh than, anh hubng Ion den cuoc song cua ngubi dan va xa hoi De r r r bii dap nhimg thiet hai, ton that cd the gap phai, tir trirdc den nay, da co nhieu bien phap, loai va bao hiem luon duoc coi la bien phap huu hieu ngubi nhat 102 r r x ca gidi Khach hang khong muon mua bao hiem vi cho rang khong may bi X W r tai nan Khong nhung vay, van nhieu khach hang co tam ly neu bi nan se tu chiu chu khong muon dong phi vi khong biet nao mdi duoc hudng Them vao do, co nhung khach hang tham gia bao hiem roi se co tam ly la nha bao hiem se phai chiu toan bo ton that, dan den ho khong nang cao y thuc tu de r 9 r phong cac rui ro co the xay den vdi minh Day la tinh trang kha bien d nudc r r x x r 9 ta hien nay, bat nguon tu su thieu hieu biet ve bao hiem - Cong tac khai thac bao hiem chua thuc su co chieu sau ' ~ • r • Cong tac khai thac bao hiem van nhieu bat cap, hieu qua khai thac r khong cao Can bo khai thac, dac biet la dai ly bao hiem chua nam vung chuyen mon lam cho viec chuyen tai noi dung cua san pham tdi khach hang khong duoc ro rang Ngoai ra, mot so vudng mac khau giam dinh boi r r r y ' r thuong lien quan den ca che phan cap boi thubng cung co anh hudng den ket qua khai thac bao hiem Khau giam dinh boi thubng mat them thbi gian va gay rac roi cho ngubi tham gia bao hiem, tao nen cam giac kho chiu cho khach hang - Van de truc loi bao hiem dien bien phuc tap Tinh hinh truc loi bao hiem xa ca gidi cang kho khan phuc X tap han Mot nhung nguyen nhan dang luu tam la dao duc nghe nghiep cua nhan vien giam dinh boi thubng bao hiem Hien tuong truc loi ma nguyen nhan tu can bo bao hiem van xay No anh hudng truc tiep den cong tac giam dinh, anh hudng den hieu qua kinh doanh nghiep vu bi mat nhung X X khoan tien boi thubng sai - Trinh can bo han che, bat cap, dac biet d cac chi nhanh Mac du bo may to chuc da duoc dieu chinh va cac phong ban tai hoi sd cung nhu d cac chi nhanh deu da duoc bo sung can bo nhung nang luc khai mv x r thac , ky nang nghiep vu, kha nang marketing van nhieu han che, nang 103 suat lao dong van chua cao Viec tuyen chon nhan vien loi long gay nen chuyen mon thuc su 3.3 Giai phap phat trien nghiep vu bao hiem vat chat xe co’ gioi 3.3.1 Day manh va nang cao hieu qua khai thac: * De tri va phat huy nhung ket qua da dat duoc thi cong tac khai bat ky mot nghiep vu bao hiem nao Trong khau nay, can bo khai thac, dai ly yr x la nguoi co vai trd quan Do tu dau cong ty can co ke hoach X tuyen chon ky nhung nguoi thuc su co nang luc, co trinh va dong thoi phai la ngudi co tu each dao due tot tham gia bao hiem voi cong ty bao hiem, dem lai dich vu bao hiem cho khach 7X7 hang, doanh thu bao hiem cho cong ty, gop phan giup cong ty phat trien kinh - Hien chat luong dao tao dai ly tai cong ty la chua cao Vi vay da co tinh trang mot so dai ly giai thich sai cho khach hang hoac giai thich khong ro chinh nhung dieu da gay kho khan cho cong ty sau Do cac cong ty can cd nhung chuong trinh dao tao co ban giup cho can bo khai thac, dai ly bao hiem cua cong ty hieu ro hon ve nhung nghiep vu ma cong ty dang trien khai - Cac can bo khai thac, cac dai ly bao hiem phai luon bam sat khach hang, lam tot cong tac cham soc khach hang sau ban bao hiem, dac biet la x r r nhung khach hang truyen thong, nhung khach hang ldn, tu nang cao so x r r luong cac hop dong tai tuc hang nam Day la cong viec rat quan trong, neu lam tot se giup doanh nghiep giam dupe chi phi khai thac chi phi khai 104 thac cho mot hcrp dong moi thi ldn hon rat nhieu so vdi viec tai tuc mot hop dong cu Su dung chinh sach khuyen khich vat chat doi vdi can bo khai thac, - r •> cac dai ly Cu the, cong ty dua nhung chinh sach khen thudng kip thdi doi vdi nhung can bo khai thac, nhung dai ly co nhung hop dong ldn, co doanh t r r thu cao nam, tu khuyen khich ho de phat huy het nang luc cua minh Ben canh hang nam cong ty can thudng xuyen to chuc nhung dot thi dua toan cong ty vao nhung dip dac biet nham kich thich su hang hai cua cac can bo khai thac - Cac cong ty can to chuc nhung khoa hoc de giup can bo khai thac co nhung hieu biet nhat dinh ve o to Tu giup ho co nhung danh gia chinh xac ve gia tri xe tham gia bao hiem - Cac cong ty can md rong hon nua mang ludi kinh doanh vi hien > r mang ludi kinh doanh cua cong ty phan ldn tap trung tai cac pho, thi xa, va cac trung tam Do cong ty can md them cac chi nhanh, van phong dai •> i r t dien tai cac huyen de co the dua san pham bao hiem cua cong ty den vdi moi ngudi dan 9 - De tang luong dau xe tham bao hiem, can day manh hon nua cong tac tuyen truyen, quang cao, giao duc mot cach sau rong den vdi moi ngudi dan 5 r r va ngudi dieu khien xe co gidi Neu khach hang ky hop dong vdi so tien bao 5^ 9 hiem ldn hon cong ty cung nen linh hoat de dap ung nhu cau va co che r khuyen khich - Do dac trung cua san pham bao hiem la truu tuong, vo hinh nen viec tim cach thuc tuyen truyen, quang cao tiep can khach hang la rat kho khan vi vay can phai co chuong trinh tuyen truyen, quang cao hap dan cho ngudi dan tiep can de ho biet, hieu ro hon ve trach nhiem cua minh viec tham F gia bao hiem va tiep tuc tai hop dong bao hiem 105 r f - Trong tiem thuc cua ngudi dan, ten cua mot so cong ty tucmg doi r a mdi me, xa la Khi di khai thac bao hiem duqc tiep xuc vdi nhieu khach hang va nhan thay nhieu ngudi e ngai mua bao hiem cua cac cong ty mdi bdi tu trudc den ho chi biet danh tieng cua Bao Viet nen khach hang tu choi ky A F A hop dong vdi cong ty Xay dieu la cac cong ty chua chu den viec khuyech truong san pham va danh tieng rong rai Ngay cong nghe r r a thong tin, bao chi phat trien rat manh me, cong ty can xay dung va lap ke hoach chuong trinh quang cao de dua danh tieng cua cong ty, dua san pham phuc khach hang cho tu nhung ngudi nghi ngd, kho tinh nhat cung hieu va ky hop dong vdi cong ty Khach hang la ngudi rat kho tinh va co thoi quen su dung san pham quen thuoc, dac biet la san pham bao hiem, do ngudi can bo khai thac khong nen kien try 3.3.2 Tang cuong cong tac de phong va han che ton that: Tai nan giao thong la mdi quan tam nhuc nhdi cua toan xa hoi, tai nan r r r giao thong xay gay nhung lo lang, bat on cuoc song va kinh doanh, gay su bat on ve tai chinh va thu nhap, lam gian doan cong viec kinh doanh cung nhu sinh hoat cua moi ngudi Khi tai nan xay ca ngudi tham gia bao 7 A hiem, co quan chuc nang cung nhu cong ty bao hiem deu bi anh hudng Do a f r r f de phong va han che ton that co y nghia het sue quan trong, lam tot cong tac se gop phan lam giam so vu tai nan va muc thiet hai tai nan xay Tu gop phan giam chi boi thudng, nang cao hieu qua hoat dong kinh A A t r doanh De lam duqc dieu can thuc hien tot cac cong viec sau: A e • Cac cong ty can trich mot khoan doanh thu hang nam de cung vdi r a r nghanh giao thong van tai xay dung ,nang cap dudng sa cau cong day khong 106 phai la nhiem vu chinh cua cac cong ty bao hiem , nhien no co anh huong z z r ■> z truc tiep den nguy co xay tai nan do se tac dong den so vu tai nan thuoc r •> pham vi bao hiem cua cong ty bao hiem phat sinh nam dan den hoat dong boi thuong cung tang Cac cong ty cung can giup kinh phi cho nghanh giao thong de lap dat nhung bien bao ve an toan giao thong o nhung A A noi nguy hiem de cac chu phuong tien de phong, hang nam cac cong ty can r ~ z tien hanh danh gia cong tac an toan, tim nhung nguyen nhan chu yeu dan toi tai nan nham de xuat nhung bien phap ngan ngua nhung rui ro Z To chuc cac cuoc thi lai xe an toan, giao duc tap huan cho cac lai xe, bien kinh nghiem xu ly mot so vu tai nan dien hinh, phuong phap de phong, han che ton that tai nan xay cho cac chu phuong tien tham gia bao hiem tai cong ty • Can co nhung khen thuong kip thoi doi voi nhung don vi, ca nhan co r r z a ' f tich xuat sac cong tac de phong - han che ton that Z • Trong truong hop khach hang thuong xuyen tham gia bao hiem voi so A •> luong lon thi cong ty cung can giam bot ty le phi de khach hang dung khoan Z A Z vao cong tac han che ,de phong ton that • Phoi hop voi cac co quan chuc nang thuc hien nghiem ngat cong tac giam dinh ky thuat an toan xe co gioi: Cong ty can co su phoi hop chat che voi cac cap, cac nganh, tang cuong kiem tra (dinh ky va dot xuat) 3.3.3 Thuc hien chat che cong tac giam dinh - boi thu'd'ng Z A Z Boi thuong va giam dinh la hai cong viec co lien quan truc tiep den A cong ty bao hiem Viec giam dinh chinh xac, kip thoi va day du se A Z giup cho cong tac boi thuong duoc chuan xac va dam bao nhanh nhat cho khach hang Lam tot cong tac khong nhung giam chi phi phat sinh A A cong tac giam dinh va boi thuong ma tang them niem tin cua khach hang ve chat luong phuc vu khach hang cua cong ty Tu lam tang kha nang canh 107 tranh cua cong ty tren thi truong De dat duoc nhung dieu noi tren can lam tot nhung cong viec sau: r i t • Khi co tai nan giao thong xay lien quan den pham vi bao hiem cua r cong ty thi nha bao hiem phai nhanh chong cu giam dinh vien den hien trudng A Z X va bao cho cu quan cong an hoac chinh quyen dia phuong noi gan nhat de kip thoi giai quyet nham han che ach tac giao thong va dac biet la hien tuong true loi bao hiem • Cong ty can co ke hoach ket hop vdi co quan cong an giao thong de dao tao doi ngu giam dinh ve nghiep vu danh gia rui ro va muc sai pham cung nhu thiet hai mdi vu tai nan Khi giam dinh boi thudng can bo giam dinh can phai chuan bi day du ho so, tai lieu, dung cu may moc va trang thiet bi can thiet duoc bao cao co tai nan thuoc trach nhiem cua cong ty la r r \ phai kip thdi cd mat Lam tot khau se tao duoc nhung hinh anh tot dep ve cong ty noi rieng va nghanh bao hiem noi chung Can bo giam dinh hudng ~ r x dan cho cho ngudi bi nan lam nhung thu tuc can thiet vdi thai nhe nhang, than thien • Can tuyen nhung ngudi la ky su gidi hoac la nhung ngudi cd trinh x r ky thuat ve xe o to Dac biet cac giam dinh vien phai la ngudi cd pham chat dao due tot, cd lap trudng, tu tuong vung vang, va cd tinh quyet doan, biet z z z e z phat hien va han che true loi bao hiem Day la yeu to rat quan giup cong z tac giam dinh duoc chinh xac, va dat ket qua cao z x z z z • Doi vdi nhung tai nan don gian, ton that nho cong ty can cd gang thuc hien tai cho 7 • Trong trudng hop tai nan xay khong thuoc pham vi bao hiem cua cong ty, can bo nhan vien cua cong ty khong nen cd thai hd hung, khong cd trach nhiem Dieu se anh hudng rat ldn den uy tin cua cong ty, boi le X X khach hang luon luon cd tinh nghi ngo, nhieu chinh ho ky hop dong mua 7 Z Z Z X bao hiem nhung lai khong hieu biet het cac chi tiet Hop dong chi la mot to 108 bao hiem hay khong duoc bao hiem cho khach hang r Cong tac dao tao phai duqc quan tam hang dau chien luqc phat A trien nhan luc cua cong ty va phai duqc thuc hien mot each toan dien ca ve r chuyen mon, ngoai ngu, tin hoc va kha nang giao tiep Cac can bo nhan vien khong nhung duqc dao tao ve nghiep vu ma phai duqc hoc nhung bai giang ve tam li hoc Thubng xuyen to chuc cac lbp tap huan dao tao can bo nang cao nghiep vu nghiep vu va ngoai nubc va sau moi lan tap huan phai co su kiem tra sat hach nghiem tuc va co hieu qua To chuc cac buoi trao ddi kinh nghiem giua cac phong ban cong yr ty vbi de qua rut kinh nghiem cho cac lan lam viec tiep theo Cong ty cung can nhan thuc dung nang luc va trinh cua tung nhan vien de tu co a r nhung chinh sach dao tao thich hqp cung nhu tao dieu kien tot nhat cho ho phat trien 109 Phoi hop chat che voi cac truong Dai hoc cong tac giao duc sinh vien de dao tao duoc nhung can bo tuong lai co pham chat dao duc tot va vung vang nghiep vu Tao thuan loi cho cac em sinh vien co dieu kien thuc tap va noi lam viec sau tot nghiep dung chuyen mon va nang luc 3.4 Kien nghi Ve phia Nha nwd'c 3.4.1 - Nha nuoc tao hanh lang phap ly cho hoat dong kinh doanh nghiep vu bao hiem vat chat xe co gioi cho phu hop voi dieu kien thuc te Chinh phu can nghien cuu va sua doi Luat bao hiem nham tao khung phap ly cho cac doanh nghiep bao hiem hoat dong, tang cuong hieu luc va tien toi hoan thien dan Luat kinh doanh bao hiem dua tren dong gop y kien thuc tien tu cac doanh nghiep Vi du nhu Luat kinh doanh bao hiem tai y e a •> y Dieu 37 thi doanh nghiep bao hiem khong co quyen yeu cau ben gay thiet hai boi hoan nhung khoan tien ma minh da tra cho nguoi duoc bao hiem nguoi duoc bao hiem bi thuong, bi benh tat hay bi chet Nhu vay doanh nghiep bao hiem khong co quyen yeu cau nguoi thu boi hoan va nguoi duoc A /y • *» /x _y • ~ y /y /y y /y 4' ' y * ’ r 4*' ■* a • i /y