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9803 LV.ThS DHKTQD SSssa8» oni -F^ asasKt^ *$W» 31 ' TRUONG DAI HOC KINH TE QUOC DAN DAI HOC K.T.Q.D TT THONG TIN THU'VIEN PHONG LUAN AN -TU LIEU NGUYEN THI• NGOC LOAN • HOAN THIEN CONG TAC CHI TRA BAO HlEM TIEN GUI O VIET NAM Chuyen nganh: KINH TE BAO HlEM LUAN VAN THAC SY KINH TE • • Ngudi huong dan khoa hoc: TS NGUYEN THI CHINH 1H$ *3 M3 HA NOI-2014 ’ [ jkjLLLLLL ■■■■■■■■■ LO’I CAM DOAN Tac gia xin cam doan ban luan van la cong trinh nghien cuu khoa hoc, doc lap cua tac gia Cac so lieu, ket qua neu luan van la trung thuc va co ngudn goc ro rang TAC GIA LUAN VAN NGUYEN THI NGOC LOAN LOI CAM ON Tac gia xin bay to loi cam on chan den giao vien hudng dan khoa hoc TS Nguyen Thi Chi'nh da tan tinh hudng dan va giup tac gia qua trinh nghien cuu, thuc hien luan van cua minh, giup tac gia trang bi them duoc nhieu kien thuc cung nhu phuong phap nghien cuu khoa hoc bo ich de hoan thien luan van cua minh Tac gia cung xin gui loi cam on chan den toan the dong nghiep tai Bao hiem tien gui Viet Nam, cac thay co giao Hoi dong Khoa hoc Truong Dai hoc Kinh te qudc dan, cac thay co Vien Dao tao Sau Dai hoc va Khoa Kinh t£ Bao hiem Truong Dai hoc Kinh te quoc dan da tao dieu kien cho tac gia hoan luan van TAC GIA LUAN VAN NGUYEN THI NGOC LOAN YEU CAU CUA HOI • DONG CHAM LUAN • VAN THAC • SI VE 9 \ Nhung diem can sua chtra bo sung trade nop luan van chfnh thuc cho Vien dao tao Sau dai hoc k r i -i V&hvx - /2 A - X K.H^VXC V.U?X/ C'r? < C.T .77 islzrS ^.t?A !.1>W^r rx dKHi &.s eiL \ " 2^ JC.^1 (XV'J C $V.q7 Cc5UZ t Ja-i, / k g~s->—-j ' -> '-v-t'' ” (de,, o y X?j .Trx vx .^^ Q^ ^.s;t £.k / I p > '* V l>h /.y/ ZLr / 22,£ LG' £T I.v2.> V^t? £*£ .QS&X- : L I r PGS.TS Nguyen Van Dinh (Ky ten) Nguyen Thi Ngoc Loan Trong truong hop khong chinh siia se khong dirge cong nhan ket qua bao ve Hoc vien phai dong ban yeu cau chinh sira vao trade phan muc luc luan van chinh thuc nop cho Vien DT SDH CONG HOA XA HOI CHU NGHIA VIET NAM Doc lap - Til' - Hanh phuc Ha Noi, 29 thang 11 nam 2014 NHAN • XET LUAN • VAN THAC • SY KINH TE De tai: Hoan thien cong tac chi tra bao hiem tien giri o’ Viet Nam Hoc vien: Nguyen Thi Ngoc Loan Ngubi nhan xet: TS Hoang Bich Hong Trach nhiem hoi dong: Phan bien Don vi cong tac: Khoa Bao hiem, Truong DH Lao dong- Xa hoi Sau doc toan bo ban luan van Hoan thien cong tac chi tra bao hiem tien giri o' Viet Nam, toi co nhan xet nhu- sau; Ve sir can thiet cua van de nghien ciiu Hoat dong tai chinh - ngan hang la hoat dong nhay cam, gan voi tinh lan truyen rat cao; dong thbi sir vb cua he thong tai chinh - ngan hang se anh hubng den toan bo nen kinh te va gay nhung bat on ve mat xa hoi Do do, Chinh phu cac quoc gia da su dung cong cu tai chinh la BHTG nham gop phan bao ve quyen loi hop phap cua ngubi gui tien tai to chuc tham gia co che BHTG, bao dam str phat trien an toan cua he thong tai chinh quoc gia va on dinh xa hoi BH tien gui b Viet Nam duoc lap nam 2000, sau 13 nam hoat dong he thong da gop phan quan vao cong cube doi mbi cua dat nubc dac biet la su on dinh cua nganh ngan hang, tai chinh Cac to chuc tham gia BHTG bi vb deu duoc toan bao hiem day du Tuy nhien, cong tac chi tra BHTG mbi dung lai b hoat dong chi tra sau to chuc tai chinh vb, chira co cac bien phap quan li rui ro, bien phap de phong trubc vb de tang cubng hieu qua cua hoat dong chi tra Vi vay viec hoc vien lira chon de tai "Hoan thien cong tac chi tra bao hiem tien giri o' Viet Nam" la can thiet Ve phuong phap nghien cuu va ket cau cua luan van - Ve phuong phap nghien cuu: Cac phuong phap dua la phu hop, nhien luan van can mb ta chi tiet hon ve phuong phap se dupe su dung de tai - Ve ket cau luan van: Voi muc tieu va pham vi nghien cuu cua luan van, luan van duoc ket cau chuong la phu hop, so lieu su dung luan van co nguon gbc ro rang Nhung ket qua dat duoc - Luan van da he thong hoa cac van de ly luan ve chi tra BHTG nhu khai niem, nguyen tac, qui trinh, phuong thuc chi tra BH tien gui; phan tich cac yeu to anh hudng tdi viec chi tra BHTG - Tren co so phan tich mo hinh to chuc hoat dong chi tra va dua tren he thong sd lieu thu thap duoc, luan van da danh gia trung thuc thuc trang hoat dong chi tra cua Bao hiem tien gui d Viet Nam giai doan 2008- 2013 chuong 2, tac gia cung phan tich duoc nhung van de phat sinh qua trinh chi tra BHTG - De xuat giai phap de hoan thien cong tac chi tra bao hiem tien gui d Viet Nam Cac giai phap dua cu the va cd tinh kha thi Mot so y kien dong gop - Ve ty khoi iuong noi dung giua cac chuong: chua tuong xung, ham lupng chuong hoi it so voi chuong 1,2 - Chuong 1, luan van se day du hon neu tac gia bo sung them nhung noi dung li luan vao muc 1.2 phuc vu nghien cuu d chuong nhu van de: doi tuong hudng, dieu kien hudng muc hudng BHTG Nhung noi dung cung can dupe bo sung d Chirong - Chuong 2, muc 2.2.5, luan van chia noi dung la tinh hinh chi tra trirdc cd Luat BHTG va sau cd Luat, can lam ro su khac biet ve cong tac chi tra d hai giai doan nay, anh hudng cua Luat BHTG vdi cong tac chi tra tien bao hiem Noi dung muc 2.3.3.3 khong phu hop vdi de muc 2.3 Chuong can bo sung noi dung ve danh gia chung cong tac chi tra BHTG, lam co sd de xuat giai phap chuong - Con loi chinh ta va loi trinh bay, vi du neu da ve bieu thi phai in mau Ket luan: Luan van dap ung yeu cau cua mot luan van thac sy kinh te Ngudi nhan xet TS Hoang Bich Hong CONG HOA XA HOI CHU NGHIA VIET NAM Doc lap - Tit - Hanh phuc Ha Noi, 29 thdng 11 nam 2014 NHAN • XET LUAN • VAN THAC • SY KINH TE De tai: Hoan thien cong tac chi tra bao hiem tien gui o’ Viet Nam Hoc vien: Nguyen Thi Ngoc Loan Nguoi nhan xet: TS Hoang Bich Hong Trach nhiem hoi dong: Phan bien Don vi cong tac: Khoa Bao hiem, Truong DH Lao dong- Xa hoi Sau doc toan bo ban luan van Hoan thien cdng tac chi tra bao hiem tien gui ff Viet Ham, toi co nhan xet nhu sau: Ve sir can thiet cua van de nghien cuu Hoat dong tai chinh - ngan hang la hoat dong nhay cam, gan vdi ti'nh lan truyen rat cao; dong thdi su vo cua he thong tai chinh - ngan hang se anh hudng den toan bo nen kinh te va gay nhtrng bat on ve mat xa hoi Do do, Chinh phu cac quoc gia da str dung cong cu tai chinh la BHTG nham gop phan bao ve quyen lpi hop phap cua nguoi gui tien tai to chuc tham gia co che BHTG, bao dam sir phat trien an toan cua he thong tai chinh quoc gia va on dinh xa hoi BH tien gui d Viet Nam duoc lap nam 2000, sau 13 nam hoat dong he thong da gop phan quan vao cong cuoc doi moi cua dat nude, dac biet la su on dinh cua nganh ngan hang, tai chinh Cac to chuc tham gia BHTG bi vo deu dupe toan bao hiem day du Tuy nhien, cong tac chi tra BHTG moi dung lai d hoat dong chi tra sau to chuc tai chinh vo, chua co cac bien phap quan li rui ro, bien phap de phdng trudc vo de tang cudng hieu qua cua hoat dong chi tra Vi vay viec hoc vien lua chon de tai “Hoan thien cdng tac chi tra bao hiem tien gii’i o' Viet Nam” la can thiet Ve phuong phap nghien cuu va ket cau cua luan van - Ve phuong phap nghien cuu: Cac phuong phap dua la phu hop, nhien luan van can mo ta chi tiet hon ve phuong phap se dupe su dung de tai - Ve ket cau luan van: Vdi muc tieu va pham vi nghien cuu cua luan van, luan van dupe ket cau cliuong la phu hop, so lieu su dung luan van cd nguon goc rd rang Nhirng ket qua dat duoc nguyen tac, qui trinh, phuong thuc chi tra BH tien gui; phan tich cac yeu to anh hudng tdi viec chi tra BHTG - Tren co sd phan tich mo hinh to chuc hoat dong chi tra va dua tren he thong sd lieu thu thap dupe, luan van da danh gia trung thuc thuc trang hoat dong chi tra cua Bao hiem tien gui d Viet Nam giai doan 2008- 2013 (J chuong 2, tac gia cung phan tich dupe nhung van de phat sinh qua trinh chi tra BHTG - De xuat giai phap de hoan thien cong tac chi tra bao hiem tien gui d Viet Nam Cac giai phap dua cu the va cd tinh kha thi Mot so y kien dong gop - Ve ty khoi lupng noi dung giua cac chuong: chua tuong xung, ham lupng chuong hoi it so vdi chuong 1,2 - Chuong 1, luan van se day du hon neu tac gia bo sung them nhung noi dung li luan vao muc 1.2 phuc vu nghien cuu d chuong nhu van de: doi tupng hudng, dieu kien hudng muc hudng BHTG Nhung noi dung cung can dupe bo sung d Chuong - Chuong 2, muc 2.2.5, luan van chia noi dung la tinh hinh chi tra trudc cd Luat BHTG va sau co Luat, can lam ro su khac biet ve cong tac chi tra d hai giai doan nay, anh hudng cua Luat BHTG vdi cong tac chi tra tien bao hiem Noi dung muc 2.3.3.3 khong phu hop vdi de muc 2.3 Chuong can bo sung noi dung ve danh gia chung cong tac chi tra BHTG, lam co sd de xuat giai phap chuong Ket luan: Luan van dap ung yeu cau cua mot luan van thac sy kinh te Ngudi nhan xet TS Hoang Bich Hong MUC • LUC • LOI CAM DOAN LOI CAM ON DANH MUC TU NGU VIET TAT DANH MUC BANG, BIEU DANH MUC HINH, BIEU DO, SO DO TOM TAT LUAN VAN LOI MO DAU CHEONG CO SO LY LUAN VE CHI TRA BAO HIEM TIEN GUT 1.1 Tong quan ve bao hiem tien gui 1.1.1 Lich su hinh va phat trien bao hiem tien gui 1.1.2 Ban chat va vai trd cua bao hiem tien gui 1.1.3 Noi dung hoat dong cua bao hiem tien gui 1.2 Chi tra bao hiem tien gui 13 1.2.1 Khai niem 13 1.2.2 Nguyen tac chi tra 15 1.2.3 Quy trinh chi tra bao hiem tien gui 17 1.2.4 Cac phuong thuc chi tra bao hiem tien gui 19 1.2.5 Cac yeu to anh hudng den chi tra bao hiem tien gui 22 1.3 Chi tra bao hiem tien gui o’ mot so nude tren the gioi va bai hoc kinh nghiem cho Viet Nam 32 1.3.1 Chi tra bao hiem tien gui d mot so nude tren the gidi 32 1.3.2 Bai hoc kinh nghiem cho Viet Nam 39 CHLTONG THUC TRANG CHI TRA BAO HIEM TIEN GUI VIET • • • NAM HIEN NAY 40 2.1 Mot vai net ve bao hiem tien gui d Viet Nam 40 2.1.1 Qua trinh hinh va phat trien 40 2.1.2 Co cau to chuc va chuc nang, nhiem vu cua BHTGVN 41 2.1.3 Khai quat hoat dong bao hiem tien gui d Viet Nam nhtrng nam gan day 43 2.2 Thuc trang cong tac chi tra BHTG o- Viet Nam hien 48 83 - Xay dung nhung co sd du lieu ve cac trudng hup da tien hanh chi tra mot cac co he thong, chia se va su dung nhung tai lieu nghien cuu co lien quan den nghiep vu chi tra Mot bien phap quan ntra can duoc Bao hiem tien gui Viet Nam dac biet quan tam thuc hien thoi gian sap tdi la viec nghien cuu, xay dung kich ban va to chuc cac budi dien tap giai quyet tinh hudng thdng qua cac bai tap md phong trudng hop dot bien rut tien gui va chi tra Dieu dupe IADI khuyen cao cac to chuc BHTG cac nude nen duoc tien hanh mot each dinh ky, thudng xuyen de dap ung nhung thay doi hoat dong ngan hang Mat khac, cong tac chi tra khong phai la mot nghiep vu thudng xuyen, dinh ky cua to chuc BHTG; quy md, tinh chat, muc cua tirng trudng hop cung rat khac nen viec thuc hanh cac bai tap tinh hudng nhu tren la co hoi giup cac can bo hieu biet day du, chinh xac nghiep vu chuyen mon, dua cac de xuat cai tien thu tuc va qua trinh Gan day, nhan duoc thdng tin ve kha nang chi tra tien bao hiem tai QTD Tran Cao, Ban lanh dao Chi nhanh Bao hiem tien gui Viet Nam khu vuc Ha Noi da nhanh chong chi dao phong nghiep vu BHTG2 xay dung kich ban va to chuc cac budi dien tap giai quyet tinh hudng trudng hop dot bien rut tien guri va chi tra true tiep Kinh nghiem va cac bai hoc duoc rut tir cac budi dien tap da phat huy tac dung, giup cac can bo nghiep vu ung kip thdi vdi cac tinh hudng dien thuc te qua trinh chi tra true tiep tai QTD, gop phan giup qua trinh chi tra dien thuan loi, nhanh chong va dat ket qua cao Day la tien de de Bao hiem tien gui Viet Nam nghien cuu, phat trien va md rong md hinh ap dung cho toan he thdng Ngoai ra, viec md rong va phat trien md hinh cung can tinh den su tham gia cua cac co quan,to chuc cd lien quan nhu NHNN, dai dien cac TCTD, cong an, toa an dieu khong chi nham muc dich tang kha nang phoi hop giua cac co quan lien quan qua trinh thuc hien chi tra ma ket qua cua cac budi dien tap cd the duoc su dung nhu cac tai lieu truyen thdng cua to chuc BHTG den cong chung, khang dinh nd luc va quyet tam cua minh viec dam bao muc tieu bao ve quyen va loi ich hop phap cua ngudi gui tien 84 3.2.6 Hoan thien he thong CNTT ho tro’ qua trinh chi tra Cong nghe thong tin dirge xac dinh la mot tru cot phat trien ben vung, dieu cho thay Bao hiem tien gui Viet Nam luon y thuc va quan tam den viec phat trien, ung dung he thdng CNTT hoat dong Ngay 29/09/2009 Du an He thong Thong tin Quan ly va Hien dai hoa Ngan hang (FSMIMS) - Nhdm hop phan Bao hiem tien gui Viet Nam duoc khoi dong Noi dung cua Hop phan bao gom: Cai tien quy trinh nghiep vu; Thiet ke, xay dung va mua sam he thong CNTT va truyen thong; Quan ly thuc hien dir an Trong do, noi dung Thiet ke, xay dung va mua sam he thong CNTT va truyen thong duoc thuc hien qua goi thau: - Goi thau DT#1 - Tu van ho tro ky thuat va trien khai bao gom viec thiet ke he thong CNTT, xay dung ho so moi thau goi thau mua sam he thong CNTT duoc trien khai tu quy IV/2011 den quy 1/2012 va dao tao ve quy trinh nghiep vu moi, IT duoc trien khai tu quy 1/2012 den quy IV/2014 - Goi thau DG#2 - Mua sam va trien khai He thong CNTT&Truyen thong mdi duoc trien khai tu quy IV/2012 den quy IV/2014 Do dang qua trinh trien khai, thuc hien nen chua the danh gia day du ve tinh hieu qua cua cua he thdng cong nghe thdng tin mdi viec ho tro thuc hien cac nghiep vu BHTG noi chung, cong tac chi tra noi rieng Tuy nhien de khai thac tdi da hieu qua cua he thdng can: - Phoi hop chat che giira viec sir dung va danh gia mire thuc hien cua he thdng CNTT mdi viec thuc hien cac nghiep vu bao gom ca cong tac chi tra, tu dua nhung dieu chinh hop ly - Khuyen khich cac sang tao cai tien ky thuat, ung dung va danh gia cac cai tien de hoan thien va nang cao chat luong, nang suat hoat dong cua he thdng CNTT mdi - Xay dung cac bai tap md phong tinh hudng kiem tra xem he thdng CNTT cd du kha nang va chuc nang de doi vdi cac tinh hudng cd the sinh qua trinh chi tra, danh gia thdi gian, tinh chinh xac viec xu ly du lieu va chi phi 85 thuc hien, tir dua cac phuong an du phdng de ung co tinh huong thuc te xay 3.2.7 Tang cudng khd nang phoi hop giua cac co’ quan mang an toan tdi chinh quoc gia De co the phat trien duoc mang an toan tai chinh ma dac biet la hoan thien moi quan he phoi hop giua cac vien mang, can thuc hien mot so giai phap sau: - Xay dung co che phoi hop dieu chinh boi luat Trong do, gom luat chuyen nganh quy dinh ro rang chuc nang, nhiem vu, trach nhiem cua cac vien Mang an toan tai chinh (tranh trung lap, bd trdng) va luat dieu chinh tong the hoat dong ca Mang an toan tai chinh - Xay dung va ky ket Bien ban ghi nho ve chia se lao dong va hop tac viec giam sat tai chinh gitra cac vien Mang an toan tai chinh de tang cudng su hop tac giua cac co quan giam sat vdi nhau, giam thieu nhung khe hd giam sat thi can Vai tro tuong ung cua tung co quan giam sat cung duqc phan dinh rd rang Ban ghi nho Ban ghi nho se tao he thong de to chuc cac hoat dong linh vuc hop tac va giam sat - Thanh lap uy ban co dai dien la lanh dao cac vien Mang an toan tai chinh lam co sd dieu phoi viec phoi hop - Xac dinh vi tri cua Bao hiem tien gui Viet Nam Mang an toan tai chinh quoc gia, co che phoi hop cua Bao hiem tien gui Viet Nam vdi cac co quan co trach nhiem tri on dinh tai chinh; xac dinh muc doc lap tuong doi cua Bao hiem tien gui Viet Nam nham thuc hien tot nhat vai tro bao ve ngudi gui tien va gop phan tri on dinh he thong tai chinh; cac vien Mang an toan tai chinh co dai dien tham gia hoi dong quan tri cua to chuc BHTG 86 Uy ban quan ly cac ho?t dQng giam sat dich vy tai chinh qudc gia Chia se du> lieu Chuc nang he thdng K6t xuat bao cao NHNN Ktt xuSt bao cao BHTGVN K6t xuit bao cao BTC Hinh 3.2 Md hinh chia se thdng tin cua cac to chirc giam sat theo su* chi dao cua Uy ban quan ly cac hoat dong giam sat dich vu tai chinh qudc gia Ngudn: BHTGVN 3.2.8 Nang cao nhan thuc cong chung ve chinh sach BHTG Tai Viet Nam hien nay, nguoi gui tien van thieu kien thuc ve BHTG, chua biet duac quyen va lai ich cua minh Khi ngudi gui tien co kien thuc day du ve chuc nang, nhiem vu va vai trd cua BHTGVN; trach nhiem cua cac to chuc nhan tien gui; quyen va loi ich cua ngudi gui tien, tir se tao sue ep buoc cac to chuc nhan tien gui phai tham gia va tuan thu cac quy dinh ve bao hiem tien gui giam thieu ganh nang cho cac can bo thuc hien cong chi tra, tao dieu kien thuan loi va giam thdi gian thuc hien qua trinh chi tra Hon the nua, cd day du kien thuc ngudi gui tien cung cd the trd mot kenh cung cap thdng tin cho Bao hiem tien gui Viet Nam hoat dong giam sat cac to chuc tham gia BHTG.Vi vay, viec nang cao nhan thuc tai chinh va kien thuc ve BHTG tdi ngudi dan la rat can thiet, gop phan thuc hien tot vai trd bao ve quyen loi ngudi gui tien cua BHTGVN De thuc hien dieu nay, can thuc hien mot so bien phap nham trien khai cong tac thdng tin tuyen truyen mot each hieu qua - Xay dung lo trinh, chien dich truyen thdng cu the tren co sd xac dinh rd rang muc tieu, doi tuong, phuong thuc, thdi gian thuc hien 87 - Da dang hoa cac hinh thuc tuyen truyen: mo rong tuyen truyen tren bao mang dac biet la cac td bao dien tu co luong doc gia ldn nhu Vietnamnet, Vnexpress ; tang cudng tuyen truyen tren truyen hinh bao gom ca cac kenh truyen hinh cua quoc gia va cua dia phuong; lua chon hinh thuc tuyen truyen tren bao viet dam bao tinh sang tao; tang cudng cac cuoc thi tim hieu Bao hiem tien gui Viet Nam va chinh sach BHTG vdi noi dung, hinh thuc, giai thuong phu hop, co tong ket danh gia rut kinh nghem sau moi cuoc thi - Cai tien nang cao chat luong he thong an pham thong tin tuyen truyen: ngoai cac an pham mang tinh nghien cuu, dao tao can nghien cuu, xay dung bo sung cac an pham, vat pham tinh chat nang cao hinh anh cua to chuc BHTG nhu cac loai hinh qua tang, cac tai lieu hudng dan, tai lieu hoi nghi, hoi thao ; doi mdi trang thong tin dien tu cua Bao hiem tien gui Viet Nam ca tieng Viet va tieng Anh, dam bao noi dung, hinh thuc phong phu va tinh cap nhat - Nang cao nhan thuc cong chung ve chinh sach BHTG thong qua chuong trinh dao tao tai cac trudng Dai hoc, cac chuong trinh giao duc tai chinh cong dong, tai lieu nghien cuu ve BHTG - Xay dung doi ngu can bo truyen thong chuyen nghiep: xac dinh doi ngu can bo thuc hien hoat dong truyen thdng la van de then chot quyet dinh tinh hieu qua cua hoat dong vi vay Bao hiem tien gui Viet Nam can tang cudng nang luc chuyen mon, ngoai ngu, pham chat dao duc cua can bo thuc hien cong tac truyen thong, dao bao tinh chuyen nghiep, chu dong, sang tao, hoat dong hieu qua - To chuc khao sat, phan loai nhom cong chung lam co so de xay dung chuong trinh, chien luoc truyen thong Hoat dong nghien cuu cac nhom cong chung la hoat dong quan trong, co anh huong ldn den dinh hudng thong tin va hieu qua tuyen truyen vi vay can duoc thuc hien tren co so khach quan, khoa hoc, thudng xuyen Mot cac hinh thuc phu hop nhat de nghien cuu nhom cong chung la to chuc cac cuoc dieu tra, khao sat doi vdi cac phan nhom cong chung nhat dinh thong qua bang hoi Dieu khong chi giup thu nhan thong tin tu cac doi tuong xac dinh ma giup nang cao nhan thuc cong chung thong qua cac thong tin ma Bao hiem 88 tien gui Viet Nam chu dong cung cap Tuy tung dac diem cua tung nhom cong chung ma viec xac dinh quy md, thdi gian, phuong phap to chuc thuc hien la khac Bao hiem tien gui Viet Nam cung co the xem xet viec hop tac vdi mot nhung cdng ty, td chuc chuyen nghiep de thuc hien cac cuoc khao sat Ben canh do, de trien khai hoat dong nang cao kien thuc tai chinh va kien thuc BHTG sau rong den ngudi dan, Bao hiem tien gui Viet Nam can cd su phoi hop thuc hien, chi dao cua cac co quan Bo nganh cd lien quan Xay dung tot vdi cac co quan truyen thong, cac nha hoach dinh chinh sach va cac co quan quan ly khac: Cac co quan truyen thong la cau noi giup Bao hiem tien gui Viet Nam tuyen truyen tot ve BHTG tdi cdng chung, thong qua cac bao chuyen trang, bao mang Vdi cac co quan bo nganh, Chinh phu, cac nha hoach dinh chinh sach cd tam anh huong ldn de ho cd the truyen dat duqc thong diep cua td chuc thong qua phat ngon cua minh 3.3 Kien nghi De thuc hien cac giai phap tren, ngoai su nd luc va cd gang cua BHTGVN, can cd su ho tro va phoi hqp tich cue cua Nha nudc, Ngan hang Nha nudc va cac bo nganh lien quan Xuat phat tu ket qua nghien cuu cua luan van, luan van dua cac de xuat va kien nghi cu the 3.3.1 Kien nghi voi Chinh phu - Tiep tuc xay dung cac van ban dudi Luat BHTG lam co sd phap ly cho hoat dong chi tra cua BHTGVN Ngoai ra, sau qua trinh thuc thi Tuat BHTG, can cd nghien cuu danh gia tinh hinh thuc hien, ket hqp hoc hoi kinh nghiem quoc te tu nghien cuu chinh sua Luat va cac van ban dudi luat lien quan theo xu huong tang Viet Nam cd day du tham quyen thuc hien nhiem vu va vai tro he thong tai chinh la bao ve ngudi gui tien, gop phan dam bao an toan he thong tai chinh ngan hang va on dinh nen kinh te vi md - Luat BHTG da duqc ban hanh nhien mot sd tham quyen cua BHTGVN, dac biet ve hoat dong giam sat tir xa da bi han che, dan den viec thieu thong tin ve 89 to chuc tham gia BHTG, gay nen tinh trang bi dong cua Bao hiem tien gui Viet Nam to chuc tham gia BHTG pha san va can chi tra Kien nghi Chinh phu sau qua trinh thuc thi Luat BHTG, can co nghien cuu danh gia tinh hinh thuc hien, ket hop hoc hoi kinh nghiem quoc te tu nghien cuu sua doi Luat va cac van ban dubi luat lien quan theo xu hubng tang quyen giam sat cho BHTGVN - Ban hanh cac van ban quy dinh ve chuc nang, nhiem vu cu the cua cac co quan mang an toan tai chinh quoc gia, co che phoi hop, chia se thong tin cac co quan co chuc nang giam sat de tranh chong cheo, co the bo tro cho va su dung mot cach co hieu qua nhat nguon luc giam sat, tao dieu kien thuc hien tot muc tieu chung la dam bao an toan he thong tai chinh r 3.3.2 Kien nghi vd’i Ngan hang nha nwo’c - Can nhanh chong xay dung, ban hanh he thong quy trinh nghiep vu, phuong phap, va cac quy dinh khac co lien quan den hoat dong chi tra cua BHTGVN - Ban hanh cac van ban quy dinh ro rang cu the venhiem vu, quyen han cua can bo Bao hiem tien gui Viet Nam ban kiem soat dac biet cua NHNN doi vbi cac TCTD dang tinh trang kiem soat dac biet, tao dieu kien cho cac can bo nghiep vu nhanh chong tiep can ho so goc nham giam rui ro ve viec nguy tao ho so nham truc loi tien bao hiem, anh huong den chat luong thong tin - Xay dung co che chia se thong tin hieu qua giua Ngan hang Nha nubc vbi Bao hiem tien gui Viet Nam bao gom: noi dung chia se, cach thuc, thdi gian, nham giup Bao hiem tien gui Viet Nam co cai nhin toan dien ve hoat dong cua cac to chuc tham gia BHTG, tu chu dong cong tac chi tra - Tiep tuc hoan thien he thong danh gia xep loai TCTD lam co so de Bao hiem tien gui Viet Nam xay dung va ap dung he thong tinh phi theo muc rui ro nham phat trien quy BHTG dong thdi gop phan nang cao tinh an toan hoat dong ngan hang 90 KET LUA N • Viec nang cao vai trd, vi the cua Bao hiem tien gui Viet Nam he thong tai chinh - ngan hang chi thuc su duoc thuc hien cac hoat dong, nghiep vu BHTG mot hoan thien, phat trien va nang cao chat luong hoat dong Mot nhung hoat dong co ban cua tat ca cac to chuc BHTG tren the gidi bao gom ca Bao hiem tien gui Viet Nam la hoat dong chi tra BHTG cho ngudi gui tien tai cac to chuc tham gia BHTG bi vd, pha san tranh hien tuong vd lan truyen, dam bao su phat trien an toan he thong tai chinh ngan hang, giu on dinh an ninh chinh tri, xa hoi dong thdi the hien ro net nhat muc tieu bao ve quyen va loi ich hop phap cua ngudi gui tien Tren co sd van dung tong hop cac phuong phap nghien cuu de phan tich thuc trang cong tac chi tra Bao hiem tien gui Viet Nam thuc hien thdi gian qua, luan van da tap trung lam ro mot so van de co ban nhu sau: - Khai quat ly luan chung ve bao hiem tien gui, nhung van de ly luan co ban ve hoat dong chi tra BHTG cua to chuc BHTG, phan tich cac yeu to anh hudng den hoat nay, lam ro kinh nghiem hoat dong chi tra BHTG cua mot so to chuc BHTG hieu qua tren the gidi tu rut bai hoc kinh nghiem cho Viet Nam - Phan tich danh gia thuc trang cong tac chi tra BHTG tai Bao hiem tien gui Viet Nam thdi gian qua dong thdi van dung ly luan tai chuong de phan tich, danh gia cac yeu to anh hudng den qua trinh chi tra d Viet Nam tu tim cac han che qua trinh va nguyen nhan cua cac han che - Tren co sd thuc trang cua cong tac chi tra BHTG da thuc hien d Viet Nam thdi gian qua, chien luoc phat trien cua Bao hiem tien gui Viet Nam thdi gian tdi, luan van da neu mot so giai phap chu yeu nham hoan thien cong tac chi tra BHTG d Viet Nam Hong thdi luan van cung dua mot so kien nghi de xuat nham nang cao tinh kha thi viec trien khai thuc hien cac giai phap Luan van duoc trinh bay vdi mong muon gop phan hoan thien va nang cao hon nua hieu qua cua cong tac chi tra BHTG d Viet Nam, dam bao quyen loi cho ngudi 91 gui tien, gop phan dam bao an toan he thong tai chinh, giu vung on dinh tinh hinh chinh tri, xa hoi Mac du da co gang, song nhieu nguyen nhan khac nen cac phan tich luan van co the chua hoan thien, dong thdi luan van cung moi nghien cuu duoc mot so giai phap co ban, vay kho co the tranh khoi su thieu sot Xin tran cam on cac thay co, dong nghiep da giup de ban luan van duoc hoan Rat mong nhung y kien tham gia dong gop cua cac thay co de luan van duoc hoan thien hon 92 TAI LIEU THAM KHAO • Tieng Viet Bao hiem tien gui Viet Nam (2008, 2009, 2010), Bao cao thuong men, Ha Noi Bao hiem tien gui Viet Nam (2008, 2009, 2010, 2011, 2012, 2013), Bao cao tong ket tinh hinh hoat dong, Ha Noi Bao hiem tien gui Viet Nam (2009), Chien luoc phat trien BHTGVN giai doan 2009 — 2012 vd dinh hudng den nam 2020, Ha Noi Bao hiem tien gui Viet Nam (2009), Ban kyyeu 10 nam BHTGVN, Ha Noi Bao hiem tien gui Viet Nam (2008, 2009, 2010, 2011, 2012), Thdng tin Bao hiem tien gui, (so 10- 22), Ha Noi Bao hiem tien gui Viet Nam (2012), Tdng hop bao cao trd loi FSAP, Ha Noi Chinh phu (2013), Nghi dinh so 68/2013/ND-CP ve Hudng dan thi hanh Luat Bao hiem tien gui, ban hanh 28/6/2013, Ha Noi Chinh phu (2005), Nghi dinh so 109/2005/ND-CP ve viec sua doi, bo sung mot so dieu cua Nghi dinh so 89/1999/ND-CP, ban hanh 24/8/2005, Ha Noi Chinh phu (1999), Nghi dinh so 89/1999/ND-CP ve Bao hiem tien gui, ban hanh 01/9/1999, Ha Noi 10 Luat Bao hiem tien gui My ban hanh nam 1933 va cac tu chinh luat lan luat vao cac nam 1980, 1990 va 2006, Nguon: Tong cong ty Bao hiem tien gui Lien Bang 11 Luat bao ve ngudi gui tien Han Quoc ban hanh 29/12/1995 va cac luat sua doi bo sung tu nam 1997 den nam 2003, Nguon: Tong cong ty Bao hiem tien gui Han Quoc 12 Ngan hang nha nudc (2010), Thdng tu sd 08/2010/TT-NHNN Quy dinh ve viec kiem soat dac biet doi vdi td chuc tin dung, ban hanh 22/03/2010, Ha Noi 13 Nhdm nghien cuu Bao hiem tien gui Viet Nam (2012), De tdi nghien cuu: Danh gia muc tuan thu cua he thdng bao hiem tien gui tai Viet Nam so vdi Bo nguyen tac co ban phat trien he thdng bao hiem tien gui hieu qua, Bao hiem tien gui Viet Nam, Ha Noi 93 14 Nhom nghien chu Bao hiem tien gui Viet Nam (2012), De tai nghien cuu: Ca sa phap ly, Mo hinh to chuc va hoat dong cua to chuc bao hiem tien gui — Kinh nghiem quoc te va ung dung doi vai Viet Nam, Bao hiem tien gui Viet Nam, Ha Noi 15 Nguyen Thi Kim Oanh (2004), BHTG nguyen ly thuc tien va dinh hudng, Nha xuat ban Lao dong - xa hoi, Ha Noi 16 Quoc hoi nudc CHXHCNVN (2012), Luat Bao hiem tien gui, so 06/2012/QH13 ban hanh 18/6/2012, Ha Noi 17 Quoc hoi nudc CHXHCNVN (2010), Luat Cac to chuc tin dung, so 47/2010/QH12 ban hanh 16/6/2010, Ha Noi 18 Quoc hoi nudc CHXHCNVN (2010), Luat Ngan hang nha nudc, so 47/2010/QH12 ban hanh 16/6/2010, Ha Noi 19 Thu tudng chinh phu (2013), Quyet dinh so 1394/2013/QD-TTg ve Thanh lap BHTGVN va Quy dinh chuc nang, nhiem vu cua BHTGVN, ban hanh 13/8/2013, Ha Noi 20 Thu tudng chinh phu (2013), Quyet dinh so 1395/2013/QD-TTgphe duyet Dieu le ve tO chuc va hoat dong cua BHTGVN, ban hanh 13/8/2013, Ha Noi Tieng Anh 21 EFDI (2011), First report, Hungary 22 Financial Stability Board (2/2012), Thematic Review on Deposit Insurance Systems: Peer Review Report, Switzerland 23 Financial Stability Forum (9/2001), Guidance for Developing Effective Deposit Insurance Systems, Switzerland 24 NDIF (2008), Serving depositors for 15 years, Hungary 25 NDIF (1996), Act CXII of 1996 on Credit Institutions and Financial Enterprises, Hungary 26 Ronald MacDonald (1996), Deposit Insurance, Handbook in Central Banking No.9, Bank of England, London 94 27 The Research and Guidance Committee of the International Association of Deposit Insurers (6/2009), Core Principles for Effective Deposit Insurance Systems, IADI, Switzerland 28 The Research and Guidance Committee of the International Association of Deposit Insurers (5/2010), Core Principles for Effective Deposit Insurance Systems - A proposed methodology for compliance assessment, IADI, Switzerland 29 The Research and Guidance Committee of the International Association of Deposit Insurers (10/2012), General Guidance for Developing Effective Reimbursement Systems and Processes, IADI, Switzerland 30 The Research and Guidance Committee of the International Association of Deposit Insurers (11/2012), Enhanced Guidance for Developing Effective: Reimbursement Systems and Processes, IADI, Switzerland 95 PHU• LUC • DANH MUC NHUNG NOI DUNG THONG TIN CHIA SE GIUA BHTGVN VA NHNN NHNN Vu Cac Ngan s hang, Vu cac to T chuc tin dung BHTGVN T Thanh tra NHNN hop tac va Ngan hang Nha nuoc chi nhanh Vu Chinh sach tien te va Cuc cong nghe tin hoc Ngan hang tinh, Trong truong hop dac Cung cap dinh ky cac quy thong tin lien quan den tinh hinh hoat dong cua cac TCTGBHTG biet, neu xet thay can thiet phat ZX hien Thong bao ve TCTGBHTG co nguy co viec lap, mat kha nang chi tra thu hoi giay hoac that thoat ldn ve tai phep hoat dong san, se phoi hop vdi cua doi TCTGBHTG Thong bao chap hanh cac viec cham dut quy dinh ve bao mot phan hoac an toan Ket qua phan loai hang nam cac TCTGBHTG ve toan bo noi dung hoat dong cua hoat dong ngan cac hang theo dinh TCTGBHTG ky hang quy cua TCTD cac pham vi Thong phep Thong tin ve cac hiem tien gui va dong Nha nudc cho vdi TCTGBHTG tinh hinh hoat doc Ngan hang BHTGVN kiem tra tai TCTGBHTG cho Phoi hop cung ZX • /X ZX cap so lieu ve Dinh ky thang, Thong bao TCTGBHTG Thong bao ve thong tin ve ho co vi pham quy dinh an viec chia, tach, tra tai chinh va toan hoat dong hop nhat, sap Phoi hop cung cap cac so lieu ve tinh hinh hoat cac dong TCTGBHTG bi danh gia co nguy co mat kha nang chi tra 96 NHNN Vu Cac Ngan s hang, Vu cac to T chuc tin dung T BHTGVN Thanh tra NHNN hop tac va Ngan hang Nha nuoc chi nhanh tinh, viec chi tra tien ngan hang theo quy bao hiem doi nhap va mua lai TCTGBHTG vai cac TCTGBHTG Ke hoach kiem Thong tin dot xuat ve tra viec cac TCTGBHTG co nguy co TCTGBHTG mat kha nang chi tra, co thuc hien cac ty no qua han cao hoac quy dinh cua co that thoat ldn ve von, Chinh phu ve tai san va co tac dong bao hiem tien xau nghiem tdi cac gui dinh ky nam TCTD khac Ket qua phan loai., danh gia viec cac TCTGBHTG chap hanh bao hiem tien gui dinh ky nam Thong tin dot xuat phat hien TCTGBHTG co nguy ca mat kha nang chi tra Thong bao ve viec dat td chuc TGBHTG vao kiem soat dac biet Cung cap toan bo ho so lien quan den TCTGBHTG td chuc bi NHNN thu hoi giay phep hoat dong Vu Chinh sach tien te va Cuc cong nghe tin hoc Ngan hang 97 NHNN Vu Cac Ngan s T T hang, Vu cac to chuc tin dung BHTGVN Thanh tra NHNN hop tac va Ngan hang Nha nude chi nhanh tinh, hoac co that thoat 1cm ve von, tai san va co tac dung xau nghiem tdi cac TCTD khac Cac thdng tin ve tinh hinh hoat dong va tuan thu phap luat cua cac TCTG BHTG neu thay can thiet Vu Chinh sach tien te va Cue cong nghe tin hoc Ngan hang
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