TRUCNG DAI HOC KINH TE QUOC DAN V: ■« Vc trung tam THONG TIN THU VIEN « GIAI PHAP PHAT TRIEN SAN PHAM BAO HIEM LIEN KET DAU TU TAI VIET NAM Chuyen nganh: Kinh te Bao hiem LUAN VAN THAC SY KINH TE • • NGUCI HUONG dan khoa hoc PGS TS Tran Tho Dat HA NOI, 2008 MUC LUC Trang X •? , X PHAN MO DAU Chuong LY LUAN CHUNG VE BAO HIEM NHAN THO VA SAN PHAM BAO HIEM LIEN KET DAU TO TRONG HOAT DONG KINH DOANH BAO HIEM NHAN THO .4 1.1 Tong quan ve bao hiem nhan tho 1.1.1 Khai niem va dac diem 1.1.2 Vai tro cua bao hiem nhan th? .5 1.1.3 Thi truong bao hiem nhan tho 1.2 Dac diem san pham bao hiem nhan tho va cac loai hinh bao hiem nhan tho 11 1.2.1 Dac diem san pham bao hiem nhan tho 11 1.2.2 Cac loai hinh bao hiem nhan tho 12 1.3 San pham lien ket dau tu hoat dong kinh doanh bao hiem nhan tho 18 1.3.1 Khai niem va dac diem cua san pham bao hiem lien ket dau tu 18 1.3.2 Khai quat chung ve dau tu va quy dau tu 24 1.3.3 Nhung uu va nhuoc diem cua san pham bao hiem lien ket dau tu 28 1.3.4 Su khac biet giua san pham bao hiem lien ket dau tu va san pham bao hiem nhan tho truyen thong 30 1.3.5 Kenh phan phoi san pham bao hiem lien ket dau tu 32 1.4 Xu huong phat trien va kinh nghiem cua mot so nuoc phat triSn san pham bao hiem lien ket dau tu 33 1.5 Quan ly nha nuoc doi voi san pham bao hiem lien ket ddu tu 39 Chuong THUC TRANG TRIEN KHAI SAN PHAM BAO HIEM LIEN KET DAU TO TAI • THI• TRUING BAO HIEM NHAN THO • VIET • NAM 42 2.1 Khhi q qut c huug ve thi trtrd’ng bao h iem nhan t ho va cac san p ham bao h iem nnan tho trien khai tai Viet Nam 42 2.1.1 Thi truong bao hiem nUnh tho Viet Nam 42 2.1.2 Cac san pham bao hiem hUnn tho trien khai tai Viet Nam 50 2.1.3 Kenh phan phoi bao hiem nhan tho 54 2.1.4 Ket qua dat duoc va nhung van de ton tai cua thi truong bao hiem nhan tho Viet Nam 56 2.2 Thue trang trien khai san pham bao hiem lien ket dau tu tai Viet Nam 62 2.2.1 Co so trien khai san pham bao hiem lien ket dau tu tai Viet Nam 62 2.2.2 Dieu kien trien khai san pham bao hiem lien ket dau tu tai Viet Nam 64 2.2.3 Noi dung chinh cua san pham bao hiem lien ket dau tu dang trien khai tai Viet Nam 67 2.2.4 Ket qua trien khai san pham bao hiem lien ket dau tu tai Viet Nam 78 Chuong GIAI PHAP PHAT TRIEN SAN PHAM BAO HIEM LIEN KET DAU TU" TAI VIET NAM 82 3.1 Du bao xu the phat triSn san pham bao hiem nhan tho 82 3.2 Danh gia ve trien vong cua thi truong bao hiem nhan tho, thuan loi va kho khan 83 3.2.1 Thuan lai 83 3.2.2 Kho khan 85 3.3 Giai phap phat trien san pham bao hiem lien ket dau tu tai Viet Nam 86 3.3.1 Giai phap vT mo 86 3.3.2 Giai phap vi mo 88 3.4 Dieu kien de thuc hien giai phap 88 3.4.1 Doi voi Nha nuoc va Bo Tai chinh 88 3.4.2 D6i voi Doanh nghiep bao hiem 90 PHAN KET LUAN 93 DANH MUC TAI LIEU THAM KHAO 95 DANH MUC BANG, SO DO VA BIEU DO Trang Sa 1.1: Co che hoat dong cua san pham bao hiem lien ket dau tu 20 So 1.2: Co cau phi va quyen lqi bao hiem 21 So 1.3: Minh hoa phi bao hiem danh cho dau tu 21 Bang 1.1: So sanh san pham bao hiem nhan tho truyen thong va san pham bao hiem lien ket dau tu 30 Bang 1.2: Ty phi bao hiem khai thac moi cua san pham bao hiem lien ket dau tu Chau A 33 Bieu 1.1: Ty le doanh thu khai thac moi tai Malaysia 34 Bieu 1.2: Ty le doanh thu phi cac hop dong hieu lire tai Malaysia 34 Bieu 1.3: So luong hop dong bao hiem lien ket dau tu tai Cong ty bao hiem nhan tho Ping An - Trung Quoc 36 Bieu 1.4: Phi bao hiem lien ket dau tu tai Cong ty bao hiem nhan tho Ping An - Trung Quoc 37 Bang 2.1: Doanh thu phi bao hiem toan thi trubng giai doan 2000 - 2007 45 Bang 2.2: So luong san pham bao hiem nhan tho tren thi trubng bao hiem nhan tho Viet Nam tinh den 31/12/2007 50 Bang 2.3: Mot so san pham cua cac doanh nghiep bao hiem nhan tho dang trien khai tinh den 31/12/2007 52 Bang 2.4: So luong dai ly hoat dong den 31/12 hang nam cua cac doanh nghiep bao hiem nhan tho b Viet Nam (2003 - 2007) 54 Bang 2.5: Danh gia ket qua hoat dong cua thi trubng bao hiem nhan tho Viet Nam (2003 - 2007) 56 Bang 2.6: Ket qua khai thac bao hiem nhan tho b Viet Nam (2003-2007) 57 Bang 2.7: Chi tra quyen lqi bao hiem cua cac doanh nghiep bao hiem nhan tho (2002 - 2007) 58 Bang 2.8: Cac Quy dau tu cua Prudential 74 Bang 2.9: Cac Quy dau tu cua Manulife 77 Bang 2.10: Ty hup dong bao hiem iien ket dau tu va hup dong bao hiem nhan tho truyen thong khai thac moi thang nam 2008 79 Bang 2.11: Ty hup dong bao hiem iien ket dau tu va hop dong bao hiem nhan tho truyen thong dang co hieu iuc den het thang nam 2008 80 Bang 2.12: Ty doanh thu khai thac moi cua hop dong bao hiem iien ket dau tu va hop dong bao hiem nhan tho truyen thong dang thang nam 2008 81 TRtfONG DAI HOC KINH TE QUOC DAN St St S;