Hoàn thiện nghiệp vụ nhượng tái bảo hiểm tại công ty cổ phần bảo hiểm ngân hàng nông nghiệp

LO1 CAM DOAN Toi xin cam doan Luan Van Thac Si Kinh te : "Hoan thien nghigp ru n hwong tai bdo hiem tai Cong ty Cd ph an Bdo hiem Ngan hang Ndng nghiep" la cong trinh nghien ciru ciia rieng toi Cac so lieu, thong tin dirge sir dung luan van la trung thirc Ket qua nghien ctru duroc trinh bay luan van chtra timg dupe cong bo tai bat ky cong trinh nao khac HaNoingay thang nam2011 Tac gia luan van Bdo Duy Trung MUC LUC L0i CAM DOAN DANH MVC CHLCA1 VltT TAT DANH MVC SO DO, BANG BIEU TOM TAT LU AN VAN MO DAU CHUONG 1: NHLTNG VAN Dfe CO BAN VE TAI BAO HIEM VA NHLQNG TAI BAO HIEM TRONG HO AT DONG KINH DOANH BAO HIlsM 1.1 Sir can thiet khach quan va vai tro cua tai bio hiem 3 1.1.1 Su can thiet khach quan va bin chat cua tai bio hiem 1.1.2 Lich su doi va phit trien cua tai bao hiem 1.1.3 Vai tro cua tai bio hiem 1.2 Noi dung cor ban cua tai bio hiem 11 1.2.1 Cac hinh thuc tai bao hidm 11 1.2.2 Cic phuong thuc tai bao hiem 16 1.3 H

A thong ke bat dau ban san pham bao hiem va chi tra tien boi thudng Thiet ke he thong thu thap thong tin de thuc hien chuc nang quan trpng Doi vdi cac rui ro ldn, phuc tap: Vi du ve cac rui ro Jdn va phuc tap la cac nha may dien, cac thiet bi khai thac dau khi, hang khong Nhung rui ro nho hon nhu trach nhiem san pham, udch nhiem nghe nghiep lai het suc phuc tap Doi vdi nhung loai rui ro cong ty bao hiem nudc noi chung va cdc Cong ty bao hiem mdi lap nhu ABIC lai khong co chuyen mon, so lieu thong ke va kha nSng tinh toan tai chinh de co the nhan bao hiem cac rui ro Tuv nhien hien nay, da so cac rui ro van dupc bao hiem bdi cac Cong ty bao hiem hong nudc De dam bao an toan cac cong ty bao hiem nudc lai tim kiem kha nang tai bao hiem cac rui ro nudc ngoai Va dieu lam cho mpt lupng ldn phi bao hiem 80 bi chuyen nudc ngoai Cac cong ty bao hiem nudc chi gift lai mot luong nho phi bao hiem va do ho thuc chat hoat dpng nhu cac cong ty moi gidi bao hiem hem la cac nha cung cap bao hiem Tuy nhien vdi ap luc ve doanh thu phi bao hiem.ap luc canh tranh mot so cong ty bao hiem; da dua giam phi bao hiem de gianh diroc hop dong va sau khong the tai bao hiem duoc Do ho phai tu chin rm ro qua gidi han an team hoac tai bao hiem cho cac cong ty' co muc dp tin nhiem thap Day la linh hudng rat nguy hiem khong chi vdi cac cong ty gap phai van de ma doi vdi toan nganh bao hiem De giai quyet tan goc van de ABIC phai co ke hoach dai han nham nang cao ky nang bao hiem tuyen dung va dao tao nhan su, thu thap so lieu thong ke va tang cubng nang luc tai chinh cua minh Dac biet la phai xay dung dugc mot quy trinh quan ly rui ro hieu qua phu hop •» f 33.2.4 Day manh khdi luong giao dich tai bao hiem true tiep giua cac doanh A * nghiep bao hiem nuoc Thu nha;: Xac dinh thi trmmig tai bao hiem nuoc la chu yeu la muc iicu hudng tdi nhung nam dau hoat dong Thay ddi thoi quen nhuong tai bao hiem nudc ngoai, tu bo quan diem "sinh ngoai” kinh doanh tai bao hiem dieu ma cac cong tv bao hiem nudc di trudc da lam Thi truong bao hiem Viet Nam hoat dong soi noi da cang dan di vao hoan thien cac co che chinh sach cung nhu cac nghiep vp han nUa nang luc tai chinh cua cac cong ty' nudc ngav cang ldn dap ung yen cau de co the nhan tai cho ABIC Thu hai: ABIC can lua chon va su dung cac phuong thuc tai bao hiem tai bao hiem phu hop vdi tung loai nghiep vu tung hgp ddng bao hiem va thich ung vdi dieu kien thuc te cua thi truong bao hiem nudc Theo xu hudng phat trien cua nen kinh te the gidi nhieu nghiep vu bao hiem mdi doi dan tdi ky thuat tai bao hiem cang phat trien va phuc tap hon De * f •> co the phu hop vdi xu the hoi nhap quan hon la de ABIC khong lac hau trudc cac cong ty bao hiem nude thi ABIC can phai van dung mot cach linh hoat va 81 phu hop cac phuong phap tai bao hiem dieu cd y nghia quan trpng ddi vdi viec nang cao hieu qua kinh doanh va tai bao hiem gitta c