Hoạt động bán bảo hiểm qua ngân hàng tại tổng công ty bảo việt nhân thọ

JJSOđ,ããô*ã yxv&^.snS; _ Bo sung quy dinh ve each thuc ban va gioi thieu san pham bao hiem qua ngan hang Quy dinh nham phan dinh ro hinh thuc ban va gioi thieu san pham cua tung kenh phan phoi: dai ly, ban bao hiem qua ngan hang, ban hang truc tiep vi dac diem va trinh luc luqng ban hang cua moi kenh phan phoi la khac Nen de luc luqng ban hang cua kenh phan phoi bao hiem qua ngan hang chi la doi ngu nhan vien ngan hang dong thoi chi ban san pham qua cac cac chi nhanh cua ngan hang Quy dinh giup thuan tien cong tac quan ly; don gian co che chi tra hoa hong > Quy dinh ve so luqng DNBH ma mot ngan hang duqc lien ket De dam bao tinh bao mat thong tin khach hang va nang cao hieu qua hqp tac thi ngan hang nen chi lien ket mot DNBH > Bo sung co che chi tra hoa hong cho dai ly bao hiem to chuc Can phai bo sung co che chi tra hoa hong cho dai ly bao hiem to chuc can hap dan hon khuyen khich cac dai ly tham gia phan phoi san pham > Hoan thien co so phap ly ve viec phat trien cong nghe thong tin cung cap dich vu ban bao hiem qua ngan hang > Quy dinh cu the ve su chia se thong tin giua ngan hang va DNBH Bao mat qua trinh chia se thong tin KH tham gia bao hiem va dua cac bien phap quan ly giam sat doi voi hoat dong giua ngan hang va DNBH > Bo sung them quy dinh phan dinh ro trach nhiem cua NHTM va DNBH doi voi khach hang truong hqp NHTM lam dai ly bao hiem nhung co hanh vi vi pham dieu cam hoat dong dai ly Van de tren thuc khong co gi dang phai ke den neu la loi truc tiep cua DNBH Va truong hqp nay, DNBH co the se bi xu phat theo quy dinh tai Khoan 2, Dieu 17 van ban hqp nhat so 08/VBHN-BTC 16/04/2018 quy dinh ve xu phat vi pham hanh chinh linh vuc kinh doanh bao hiem, kinh doanh xo so Neu la hanh vi dai ly bao hiem gay nhung lai khong thay quy dinh ve xu phat cho hanh vi Do vay, de bao ve lqi ich cho khach hang thi phai bo sung them quy dinh 62 ve trach nhiem cua NHTM doi vdi khach hang Theo do, NHTM phai bdi hoan cho ngudi mua bao hiem so tien dang le duoc hudng tir DNBH nhung bi mat hanh vi vi pham cua nhan vien NHTM gay Mat khac, bo sung them hanh vi vi pham, muc xu phat va them hinh phat la tudc quyen sir dung Chung chi dai ly bao hiem co thdi han hoac dinh chi hoat dong dai ly bao hiem co thbi han J Bo sung quy dinh true tiep ve viec trinh tu, thu tuc DNBH tiep nhan phan von gop, cd phan tir NHTM J NHTM co the gop von, mua cd phan vao mot DNBH dang hoat dong de cung vdi DNBH tien hanh hanh vi kinh doanh bao hiem Hien nay, khong co quy dinh true tiep ve each thuc, trinh tu, thu tuc tiep nhan phan von gop, cd phan tir NHTM Su thieu vang di cac quy dinh ve van de gay lung tung cho cac nha dau tu, van biet rang co the van dung quy dinh tai Luat Doanh nghiep (DN) de giai quyet no Cho du, neu theo nguyen tac ap dung Luat, Luat DN la luat chung so vdi Luat KDBH, vay Luat DN se duqc ap dung neu Luat KDBH khong co quy dinh va nguqc lai Song, gia sir co ap dung quy dinh cua Luat DN ve trinh tu, thu tuc tiep nhan phan von gop, cd phan thi van xay van de vudng mac, chong cheo Bdi vi, theo quy dinh hien tai cua Luat DN, sau chuan bi xong ho so, giay td thi phai chuyen tdi co quan dang ky kinh doanh cap Tinh (Sb Ke hoach va Dau tu noi doanh nghiep du dinh dat tru sb chinh) Tuy nhien, co quan quan ly nha nude chuyen nganh linh vuc bao hiem lai la Bo Tai chinh, tuc la moi thay doi cua DNBH can phai bao cao, duqc su dong y va giam sat cua Bo Tai chinh J Bo sung hudng dan chi tiet quy dinh den hoa hong cua dai ly bao hiem J Hien cd hien tuqng nhan vien cua NHTM (khi lam dai ly bao hiem) hoan tra cho khach hang mot phan tien tir hoa hdng dai ly bao hiem nham loi keo, giu chan khach hang Mot luong y kien cho rang, hanh vi la hanh vi vi pham phap luat vi day la hanh vi nham mua chuoc khach hang Mot luong y kien khac lai cho rang, DNBH tra tien hoa hdng dai ly theo quy dinh cua phap luat cho dai ly bao hiem (la NHTM), sau NHTM chia cho nhan vien cua minh thi khoan tien la thu nhap cua nhan vien ngan hang ban bao hiem Do vay, viec nhan vien chia cho 63 ai, chia bao nhieu la quyen cua ho V Khi hoa hong bao hiem duoc chuyen cho NHTM, roi NHTM chia lai cho nhan vien thi day la thu nhap chiu thue Tuc la, thu nhap thuoc quyen sd huu cua nhan vien ngan hang ban bao hiem Nhan vien co quyen dinh doat so tien theo y chi cua ho, tuc la cho ai, bao nhieu la ho quyet dinh Do vay, truong hop khong the hieu rang day la chia hoa hong bao hiem cho khach hang Tuy nhien, de tranh cac each hieu khac ve van de thi nen bo sung them quy dinh neu ro hoac liet ke, dinh huong hanh vi nao la hanh vi chia hoa hong bao hiem cho khach hang Mat khac, quy dinh can nhan manh rang chia hoa hong bao hiem phai la trudng hop chia trudc khoan hoa hong duoc hach toan la thu nhap tu hoa hong cua NHTM (dai ly bao hiem) Vdi Ngan hang nha nude Phoi hop vdi Bo Tai chinh tao dieu kien thao go nhung kho khan, vudng mac nham thuc day hoat dong Ban bao hiem qua ngan hang phat trien lanh manh Bo Tai chinh tao dieu kien phe duyet cac chuong trinh thi va cap chung chi dai ly cho nhan vien Ngan hang phu hop vdi dac thu kenh phan phdi nham giam thieu thdi gian Khuyen khich cac NHTM day manh hoat dong ban bao hiem qua ngan hang, huong dan phuong thuc lien ket vdi cac DNBH cdng tac thi cap chung chi dai ly bao hiem, ho tro co sd tang cdng nghe thong tin, Ngan hang Nha nude va Hiep hoi bao hiem can dua bien phap quan ly hoat dong ban bao hiem qua ngan hang dam bao cac NHTM va DNBH tuan thu nguyen tac hoat dong cua dai ly bao hiem, quy dinh ve hoa hong va chi phi quan ly dai ly Vdi Hiep hoi bao hiem Viet Nam Tang cuong tuyen truyen khuyen khich cac DNBH, Ngan hang day manh hoat dong ban bao hiem qua ngan hang Xem xet dieu chinh he thong quan ly dai ly phu hop vdi quy dinh hien hanh nham ho tro cac dai ly bao hiem viec phan phdi san pham qua bao hiem qua ngan hang 64 KET LUAN • Trong nhung nam vira qua, hoat dong ban bao hiem qua ngan hang cua cac doanh nghiep bao hiem nhan tho da dong vai tro quan cho su phat trien cua thi truong bao hiem noi chung va thi truong bao hiem nhan tho noi rieng Hoat dong ban bao hiem qua ngan hang cua doanh bao hiem nhan tho da mang lai cho thi trudng nhung budc phat trien mdi, dap ung nhu cau cang cao cua thi trudng Tai BVNT, hoat dong ban bao hiem qua ngan hang da dat duqc mot so cong nhat dinh, nhien qua trinh phat trien, hoat dong ban bao hiem qua ngan hang cua Bao Viet Nhan Tho khong tranh khdi nhung han che can khac phuc Vdi muc dich nghien cuu da dat ra, dua tren co sd nghien cuu thi trudng ban bao hiem qua ngan hang tren the gioi va tai thi trudng bao hiem nhan tho Viet Nam, ket hop vdi kinh nghiem thuc tien ket qua hoat dong cua BVNT, luan van da tong hop duqc nhung van de ly luan co ban, nghien cuu thuc trang hoat dong nay, tir do, de xuat nhung giai phap nham day manh hoat dong ban bao hiem qua ngan hang tai Tong cong ty Bao Viet Nhan Tho TAI LIEU THAM KHAO Bao Viet Nhan Tho (2018), Bao cao ket qua kinh doanh nam 2017, Ha Noi Bao Viet Nhan Tho (2019), Bao cao ket qua kinh doanh nam 2018, Ha Noi Bao Viet Nhan Tho (2020), Bao cao ket qua kinh doanh nam 2019, Ha Noi Bo truong Bo Tai chinh, Thong doc Ngan hang Nha nuoc Viet Nam (2014), ThOng tu so 86/2014/TTLT-BTC-NHNNVN huong dan hoat dong dai ly bao hiem cua to chuc tin dung, chi nhanh ngan hang nudc ngoai cho doanh nghiep bao hiem nhan tho Chinh phu (2016), Nghi dinh so 73/2016/ND-CP 01/07/2016 quy dinh chi tiet thi hanh Luat kinh doanh bao hiem va Luat sua doi, bo sung mot so dieu cua Luat kinh doanh bao hiem Hoa Son (2019), Hieu dung ve kenh bao hiem qua he thong ngan hang, Tap chi dien tu Tai chinh, Dia chi: http://tapchitaichinh.vn/bao-hiem/hieu-dungve-kenh-bao-hiem-qua-he-thong-ngan-hang-316952.html , [truy cap 21/7/2020], Ngo Trung Dung (2018), Thi trudng bao hiem: Tang trudng gan lien voi cai thien chat luong san pham, dich vu, Hiep hoi Bao hiem Viet Nam, Dia chi: http://iav.vn/tieu-diem-thang/43141 -thi-truong-bao-hiem-tang-truong-gan- lien-voi-cai-thien-chat-luong-san-pham-dich-vu, [truy cap 21/7/2020] TS Nguyen Thanh Hoa (2014), Bancassurance - 10 yeu to quyet dinh cong, Tap chi dien tu Tai chinh, Dia chi: http://tapchitaichinh.vn/tai-chinhkinh-doanh/tai-chinh-doanh-nghiep/bancassurance-10-yeu-to-quyet-dinh- thanh-cong-71971.html, [truy cap 21/7/2020], TS Nguyen Van Dinh (2005), Kinh te Bao Hiem, Nha xuat ban Dai hoc Kinh te Quoc dan, Ha Noi 10 Phi Thi Minh Nguyet (2015), Danh gia thuc trang van dung mo hinh Bancassurance va nhung giai phap kien nghi phat trien mo hinh thdi gian tdi, Tap chi Cong Thuong, Dia chi: http://www.tapchicongthuong.vn/bai-viet/danh-gia-thuc-trang-van-dung-mo- hinh-bancassurance-va-nhung-giai-phap-kien-nghi-phat-trien-mo-hinh-nay- trong-thoi-gian-toi-43749.htm, [truy cap 21/7/2020], 11 Quoc hoi (2000), Luat Kinh doanh bao hiem 24/2000/QH10 09/12/2000 quy dinh ve hoat dong kinh doanh bao hiem 12 Trinh Minh Hoai (2017), Ban bao hiem qua ngan hang (Bancassurane) - Xu hirong tren the giai va trien vongphat trien tai Viet Nam, Khoa luan tot nghiep, Dai hoc Ngoai thucmg