Hoạt động bancassurance tại tổng công ty bảo việt nhân thọ

11918 LV.ThS DHKTQD Swtssl \ ■ sw > ,i W' /rS-\ ■■r :■ -Wa ■■■««>; ■dt., ,< J k^fej WW K'“ - ws w«< teC* | TRLfCJNG DAI HOC KINH Tfi' Qu6c DAN - TRAN THI LAN HUONG HOAT DONG BANCASSURANCE • • TAI NHAN THO• • TONG CONG TY BAO VIET • CHUYfiN NGANH: KINH TE BAO HIEM LUAN VAN THAC si KINH TE ã ô NGUdl HUCJNG DAN KHOA HOC: TS NGUYfiN THI CHINH HA NOl - 2016 " -If LO1 CAM DOAN Toi da doc va hieu ve cac hanh vi vi pham su trung thuc hoc thudt Toi cam ket bang danh die cd nhan rang nghien curu toi tie thiec hien va khong vi pham yeu cau ve sie trung thiec hoc thudt Cac so lieu va ket qua nghien cicu cua bai luan van la ket qua cua qua trinh thu thap so lieu, nghien dan cua TS Nguyen Thi Chlnh Tran Thi Lan Huong LOl CAM ON Trong qua trinh hoc tap va thuc hien de tai, toi da nhan dupe su giup nhiet tinh va nhung dong gop quy bau cua nhieu tap the va cd nhan Trude het, toi xin chan cam an sau sac den TS Nguyen Thi Chinh - ngudi da true tiep hudng dan, dong vien, giup da toi sudt qua trinh nghien cuu de tai va hoan luan van Toi xin chan cam an Vien dao tao sau Dai hoc, thay cd giao Khoa Bao hiem da giup toi hoan qua trinh hoc tap va thuc hien luan van Xin tran cam on Lanh dao Tong cong ty Bao Viet Nhan tho da giup moi mat, tao dieu kien thuan lai cho toi qua trinh nghien cuu A Z Toi xin bay to Idng biet an tdi gia dinh, ngudi than, ban be va dong r nghiep da luon quan tarn, dong vien, giup da tdi sudt qua trinh hoc tap va hoan luan van Tran Thi Lan Huong YEU CAU CUA HOI DONG CHAM LUAN VAN THAC SI VE • • • \ Nhung diem can sua chua bo sung trade lchi nop luan van chinh there cho Vien dao tao SDH r r Chu tich Hoi dong r ■ Cam ket cua Hoc vien Hoc vien Neu hoc vien co trach nhiem chinh sua theo yeu cau cua Hoi dong chhm luan van Trong truong hop khong chinh sua s§ khong diroc cong nhan k€t qua bao ve CONG HOA XA HOI CHE NGHIA VIET NAM Doc lap - Tu - Hanh phuc o0o NHAN XET LUAN VAN THAC SY KINH TE De tai: Hoat dong bancasurance tai Tong cong ty Bao Viet Nhan tho Hoc vien: Tran Thi Lan Huong Chuyen nganh: Kinh te Bao hiem Phan bien PGS.TS Nguyen Van Dinh Dai hoc Kinh te Quoc dan Sau doc xong ban luan van, chung toi co nhan xet: Y nghia ly luan va thuc twn cua de tai nghien curu: Hoat dong bancasurance dang noi len nhu mot kenh phan phoi san pham bao hiem chu yeu d Viet Nam, nhat la doi vdi cac DNBH nhan tho Vi the, cung da co mot so de tai nghien cuu di sau vao vSn de Tuy nhien, d Viet Nam du cung chi la nhung budc di dau tien cua hoat dong bancasurance Vi the, tac gia lua chon de tai de nghien curu tai Tong Cong ly luan va thuc tien Ket qua dat duoc: - Thu: nhat, tac gia da he thong hoa va lam ro co sd khoa hoc ve hoat dong bancasurance Da xac dinh duoc khai mem va vai tro cua bancasurance Dac biet, da phan tfch duoc nhung dieu kien hlnh hoat dong bancasurance tai DNBH Day la mot net mod cua ban luan van Ngoai ra, de tai lam ro cac mo hlnh bancasurance; quy trinh phan phoi san pham bao hiem qua bancasurance; cac nhan to anh hubng den hoat dong bancasurance cua mot DNBH Cac chi tieu danh gia ket qua hoat dong bancasurance b mot DNBH phi nhan tho cung duoc trinh bay kha ro, kha phu hop Day chinh la co sb khoa hoc de nghien cUu cac noi dung tiep theo - ThU hai, bang nguon tai lieu thong ke phong phu va cap nhat, tac gia da phan tich, danh gia giup ngubi doc thay duoc bUc tranh toan canh vb hoat dong kinh doanh cua Bao Viet nhan tho th nam 2011 den 2015 Sau do, trinh bay cac mo hinh bancasurance cua Bao Viet nhan tho va cac doi tac lien ket hoat dong bancasurance; cung nhu ket qua dat duoc lien quan den thng doi tac Day la noi dung duoc trinh bay xuc tich, db hieu, nhung van db the hien ro tinh bao quat cua ca db tai - ThU ba, ket qua ro nhat cua ban luan van duoc the hien b muc cua Bao Viet nhan tho Noi 2.3 (liruig 5*9) - Danh gia hoat dong dung muc da cho ngubi doc thay duoc ket qua hoat dong bancasurance cua Bao Viet nhan tho qua cac chi tieu cu the duoc xac dinh b chuong I, nhu: doanh thu; ty doanh thu phi; toc phat trien doanh thu phi qua kenh bancasurance Ngoai ra, th trang 63 den trang 70, tac gia luan van nghien cUu chat luong dich vu bao hiem va su hai long cua khach hang mua san pham bao hiem cua Bao Viet nhan tho qua bancasurance Noi dung nghien cuu b day cung duoc tien hanh dibu tra 250 mau qua bang hoi de th co co sb danh gia vb: + MUc tin cay + Kha nang dap Ung dich vu + Nang luc phuc vu + Kha nang tiep can + Gia ca Nhung noi dung da giup tac gia danh gia duoc ro hon, khach quan hon vb chat luong dich vu va mUc hai long cua khach hang doi vbi cac san pham cua Bao Viet nhan tho duoc phan phoi qua bancasurance Cung qua phan tich tac gia da lam ro nhung han che va nguyen nhan han che cua hoat dong bancasurance tai Bao Viet nhan tho Chung tdi hoan toan dong tinh vdi phiiong phap, noi dung va ket qua nghien cun cfia tac gia Thu tu, tu ket qua phan tich d chuong 2, tac gia da de xuat nhom giai phap de phat trien hoat dong bancasurance tai Bao Viet nhan tho thdi gian tdi Chung toi danh gia cao cac giai phap nay, vi no dupe phan tich va lap luan chat che, co co so khoa hoc va thuc tien Day la nhung giai phap ma theo chung toi la co tinh kha thi, hy vong rang Bao Viet nhan tho se xem xet, nghien cun va ap dung - Thur nam, ket cau luan van hop ly, logic va chat che Trinh bay dep, van phong sang sua Nhumg van de can trao doi: Viec chon 250 miu didu tra la ngiu nhien song chua noi ro vi va each thuc phan bo mau - Noi dung 2.2.3 (trang 55) to churc phan phoi qua kenh bancasurance cua Bao Viet nhan tho trinh bay chua ro, chua sat thuc vdi ten cua muc Vi tac gia moi chi trinh bay dupe d phfa Bao Viet nhan tho, d phia ngan hang la chua ro Ket luan: Day la ban luan van dupe nghien cuu cong phu, nghiem tuc va dam bao noi dung khoa hoc Muc dfch dat da dupe giai quyet kha triet de Vdi khuon kho cua mot ban luan van thac sy kinh te, chung toi danh gia cao ket qua nghien cuu cua tac gia Tac gia xiing dang dupe cap bang thac sy kinh te - chuyen nganh kinh te bao hiem Ha Noi, 07 thang 11 nam 2016 Ngircri viet nhan xet PGS.TS Nguyen Van Dinh NHAN • XET LUAN • VAN THAC • SY KINH TE Ten de tai: “Hoat dong bancassurance tai Tong Cong ty Bao Viet Nhan tho” Hoc vien: Tran Thi Lan Huong Chuyen nganh: Kinh te Bao hiem Phan bien II TS Nguyen Van Thanh Sau doc noi dung ban chinh, tom tat luan van, voi tu each la ngubi phan bien, toi co mot so y kien nhan xet sau day: Tinh cap thiet, y nghia khoa hoc cua de tai luan van Bancassurance la mot khai niem duoc biet den nho su cong cua hoat dong tai Chau Au Tuy nhien, khai niem cung khong phai la moi b Chau A tai Hong Kong va Singapore cac ngan hang da co lich su lau dbi viec ban bao hiem Day manh hoat dong bancassurance tai moi nuoc se gop phan quan vao qua trinh phat trien thi trubng bao hiem Tai Viet Nam, hoat dong bancassurance da xuat hien nhung chua trb mot kenh ban hang quan vi vay viec nghien cuu, tim hieu nguyen nhan ' cung nhu giai phap de thao go nhung kho khan vuong mac qua trinh trien khai hoat dong tai mot doanh nghiep bao hiem nhan tho hang dau nhu Tong Cong ty Bao Viet Nhan tho (Bao Viet Nhan tho) la mot huong nghien cuu phu hop voi thuc tien r \ Nhfrng ket qua dat duoc Luan van Nhung ket qua dat duoc tu nghien cuu cua hoc vien co the ghi nhan nhu sau: Thu nhat, hoc vien da tim hieu duoc khai niem va vai tro cua hoat A dong bancassurance, cac dieu kien hinh thanh, mo hinh, quy trinh phan phoi san pham, cac nhan to anh hubng den su phat trien cua hoat dong bancassurance Thu hai, hoc vien da phan tich thuc trang hoat dong bancassurance tai Bao Viet Nhan tho, danh gia ket qua hoat dong cung nhu lam ro han che va nguyen nhan thong qua viec su dung phieu dieu tra nghien cuu chat lupng dich vu bao hiem va su hai long cua khach hang mua san pham bao hiem cua Bao Viet Nhan tho qua ngan hang Thu ba, can cu dinh hudng phat trien hoat dong bancassurance cua Bao Viet Nhan tho den nam 2020, hoc vien dua cac giai phap phat trien hoat dong bancassurance cung nhu mot so kien nghi vdi Nha nudc va Hiep hoi Bao hiem Viet Nam A Ve hinh thuc, phuong phap va tin cay cua luan van Luan van cung cap nhieu so lieu chi tiet, he thong tu lieu phong phu, dupc hoc vien phan tich mot cach tuong doi khoa hoc Ve noi dung, day la mot hudng nghien cuu kha mdi va bo ich, khong trung lap vdi cac cong trinh da nghien cuu trudc, phu hpp vdi chuyen nganh kinh te bao hiem Nhung diem han che cua luan van Luan van se hoan chinh hon neu hoc vien lam ro cac van de sau: Thu nhat, tai trang 66 chuong trudc trinh bay ket qua khao sat hoc vien chua mo ta dupc doi tupng khao sat nhu gidi tinh, tuoi, nghe nghiep, muc thu nhap, da tung tham gia bao hiem Bancassurance vi vay gay kho khan hinh dung ket qua khao sat ' r Thu hai, tai trang 86 chuong hoc vien de nghi Nha nudc can sdm ban hanh luat quy dinh rieng ve nghiep vu Bancassurance de hoat dong Bancassurance co dieu kien trien khai mot cach chuyen nghiep bai ban Viec hoc vien can lam ro theo kinh nghiem nudc nao khong co phan hoc tap kinh nghiem quoc te trien khai hoat dong bancassurance Thu ba, cung tai trang 86 chuong hoc vien de xuat can co quy dinh cu the chuong trinh dao tao dai ly la nhan vien ngan hang, cac quy dinh hien ve dao tao cap chung chi cho nhan vien ngan hang dang tuong tu nhu doi vdi dai ly thong thudng van de can dupc lam ro, Thong tu lien tich giua Bo Tai chinh va Ngan hang Nha nudc so 86 ban hanh nam 2014 da neu ro nhung noi dung dac thu bao gom ca noi dung va thdi lupng dao tao theo hudng gon nhe nhung van dam bao noi dung can 81 chi biet den kenh phan phoi qua dai lu va moi giai, do de kenh phan phoi SPBH qua ngan hang co the phat trien thi BVNT can phai day manh hon nua viec quang cao qua nhieu hinh thuc khac nhu phat hanh ban tin, tren cac website, cac to rai bien den moi tang lap dan cu lai ich ma ho co the nhan duqc tham gia Dac biet la tren website cua BVNT can chuan hoa cac thong tin chung ve kenh phan phoi san pham qua ngan hang, can bo sung thong tin ve cac ngan hang hop tac va san pham phan phoi, cac quyen Iqi cua khach hang, cac cau hoi ma khach hang thuong quan tarn de khach hang de dang tra cuu, tiep can duqc thong tin Ngoai Bao Viet Nhan tho can tang cudng hoat dong nghien cuu thi truong va tim hieu nhu cau hien cua khach hang Moi thi truong, moi khach hang deu co nhung nhu cau doi hoi khac nhau, do viec tim hieu va nghien cuu thi truong la mot yeu to rat quan giup BVNT dua SPBH cua minh toi gan khach hang hon, dong thdi cung cap cac SPBH phu hop cho timg doi tuqng khach hang tai ngan hang Can dac biet chu ket qua danh gia khao sat thuc te tir phia khach hang Hoat dong nghien cuu, khao sat y kien khach hang thudng xuyen va lien tuc se giup BVNT rut duqc han che dang ton tai cdng tac trien khai bancassurance, danh gia duqc chat luqng hoat dong tir phia ngan hang, xay dung he thong dinh vi khach hang, du bao nhu cau va dua quyet dinh nhung san pham dai han Tiep theo la cdng tac du bao thi trudng Trong bat ky linh vuc nao, viec du bao thi trudng, dua cac nhan xet, tu van ve xu huong phat trien thdi gian sap tdi cung mang yeu td quyet dinh, anh hudng tdi dinh hudng phat trien cua cac doanh nghiep Vi vay viec nghien cuu, thu thap thong tin, cap nhat cac xu hudng tien tien khu vuc va tren the gidi thong qua cac nghien cuu, dieu tra thi trudng la vo cung can thiet Du bao cang chinh xac bao nhieu thi cang giup tang cudng nang luc doi mdi san pham cua BVNT, lien tuc cai tien va tao gia tri gia tang khac biet, day la nhung cdng cu canh tranh co ban cua Bancassurance giai 82 doan tiep theo Ngoai nhung giai phap neu tren, Bao Viet Nhan tho can quan tam tdi mot r r XX XX x -X XX so van de sau: Quy trinh ban hang tai ngan hang can dam bao yeu tO co ban: (1) Quy trinh ban hang tai ngan hang va phOi hop giua ngan hang va DNBH phai don gian, minh bach ro rang (2) Tuyet dOi tuan thu nguyen tdc ban hang tren co so nhu cau khach hang (3) Nghien cuu tim hieu co hoi de tung budc tu dong hoa nhung khau nhat dinh quy trinh phOi hop lien ket Ket luan rut tu kinh nghiem thuc te that bai va cong cua nhieu hoat dong Bancassurance cung nhu thuc te hoat dong Bancassurance cua BVNT f X Nhieu thoa thuan hoat dong Bancassurance qua chu vao khau tao san pham f ' r r r canh tranh ve phi hay pham vi bao hiem ma xem nhe yeu tO quy trinh, co che phOi hop ban hang giua ngan hang va DNBH khien cho san pham de duoc khach hang r z •> r chap nhan nhung lai bi han che o khau “dua” san pham tdi khach hang va ket qua hop tac rat han che Hien mo hinh ban hang toan thoi gian duoc coi la cach thuc phan phOi hieu qua vdi dieu kien thuc te cua BVNT va cac ngan hang Ngan hang HSBC duoc coi la ngan hang lien ket cong nhat cua BVNT Quy trinh khai thac hai ben nhu sau: + Budc 1: Sau nhan vien ngan hang tu van cho khach hang, khach hang se ke khai thong tin Giay yeu cau bao hiem va thuc hien nop phi bao hiem udc tinh cho BVNT qua ngan hang + Budc 2: Ngan hang HSBC thuc hien gui ban gOc ho so yeu cau bao hiem ve BVNT thong qua phuong thuc thu dam bao Tuy nhien hang HSBC van phai gui ban cua ho so yeu cau bao hiem tdi BVNT va du lieu ve phi bao hiem udc 83 tinh Khoan tien phi bao hiem udc tinh se duoc chuyen qua tai khoan ngan hang vao thu hang tuan + Bude 3: BVNT se thuc hien quy trinh danh gia rui ro doi voi ngudi duoc bao hiem theo quy trinh danh gia rui ro giong nhu cac san pham truydn thdng khac +/ Neu ho so duoc chap nhan bao hiem, BVNT se gui thdng bao chap nhan bao hiem va bo hop ddng bao hiem tdi khach hang va thdng bao cho HSBC ve viec hop dong duoc chap nhan bao hiem +/ Neu hd so khong duoc chap nhan bao hiem, BVNT se gui thdng bao va hoan phi lai cho khach hang theo phuong thuc khach hang dang ky nhan tien, ddng thdi BVNT thdng bao cho HSBC ve viec hd so khong duoc chap nhan bao hiem Ddi vdi quy trinh khai thac bao hiem cd the thay thao tac va trach nhiem cua ngan hang se giong nhu mot dai ly chuyen khai thac cua BVNT Trong qua trinh hoat dong, BVNT hd tro cu cac chuyen gia bao hiem true tiep hd tro nhan vien ngan hang tu van bao hiem cho khach hang Dinh ky, BVNT cu can bo den cac diem giao dich cua ngan hang de giai dap thac mac va hudng dan nghiep vu, dao tao ki nang Ben canh do, BVNT cd trach nhiem ve tinh hop phap va thdng nhat cua chuong trinh dao tao va td chuc thi cap chung chi hanh nghe cho cac dai dien ban hang cua ngan hang va BVNT cung hd tro chi phi cho cac chuong trinh trien khai Nhu vay BVNT can tiep tuc su dung nhung mo hinh da cong, phat trien mo hinh vdi cac doi tac phu hop Ben canh cung nen can nhac tdi cac mo hinh lai, phdi hop mot each hai hoa de dem lai hieu qua cao nhat Ngoai ra, chinh sach va co che hoa hong, thi dua khen thuong va cac co che Z A tao dong luc khac gan lien vdi giao chi tieu ban hang ca nhan/ Nhom/ Chi nhanh dupc xem la giai phap thuc day van hanh tang nang suit, tuan thu va trach nhiem can dupc xay dung tien tien, hoat dong kip thdi, phu hpp vdi tinh mua vu cua hoat dong kinh doanh ngan hang 84 3.3 Kien nghi San pham Bancassurance tai BVNT chua phai la mau co tinh dai dien cao, nhien ket qua kinh doanh bao hiem qua ngan hang cua BVNT van nam nhom cac DNBH trien khai hieu qua kenh phan phoi Hien tai, BVNT co mot thi trudng kha rong, da trien khai Bancassurance tai tren toan quoc voi doanh thu tu hoat dong Bancassurance co toe tang trudng tuong doi kha quan Nhung ket qua ke tren cho thay hoat dong Bancassurance cua BVNT cd tinh tham khao kha tot cho thi trudng Bancassurance tai Viet Nam Do vay thong qua viec nghien curu hoat dong bancassurance tai Tong cdng ty Bao Viet Nhan tho, tdi xin cd mot sd kien nghi nhu sau: 3.3.1 Doi voi Nha nwtfc Hien cung voi su ddi cua nhieu DNBH da khien cho hoat dong cua thi trudng bao hiem tro nen soi dong hon, su canh tranh giua cac DNBH cung vi ma tro nen gay gat hon Do vay, d tarn vi md Nha nudc can cd nhung chinh sach quan ly hop ly nham tao dieu kien thuan lpi cho hoat dong BHNT noi chung va cac kenh phan phoi mdi nhu Bancassurance noi rieng phat trien - De ho tro cho Bancassurance phat trien, cac co quan quan li Nha nudc ve kinh te vi md, hoan thien cac van ban quy pham phap luat, tao hanh lang phap ly cho su phat trien chung cua thi trudng Chinh sach ve bao hiem ro rang, minh bach va dam bao binh dang giua cac phan kinh te - Chua cd mot quy dinh cu the nao doi vdi doi ngu ban bao hiem la nhan vien ngan hang, vay cac DNBH va ngan hang da rat kho khan qua trinh hop tac dao tao nhan vien ban bao hiem Can dieu chinh ve thdi gian dao tao va cd nhung hinh thuc dao tao cho phu hop de tao dieu kien cho nhan vien ngan hang viec tiep thu kien thuc Can cd quy dinh cu the chuong trinh dao tao dai ly la nhan 85 vien ngan hang, cac quy dinh hien ve dao tao cap chung chi cho nhan vien ngan hang dang tuong tir nhu doi voi dai ly thong thuong, khong duoc thiet ke phu hop vdi dac thu cua kenh bancassurance nen se co nhieu noi dung khong phu hop A > ' - Co nhung chinh sach uu tien nham phat trien nguon nhan luc chat luong cao, phu hop vdi yeu cau phat trien cua ngan hang - Ngoai Nha nude cung can xem xet, giam thieu cac thu tuc hanh chinh quan ly, chuan hoa va rut ngan cac quy trinh dang ki phe duyet san pham, cap va thu hoi giay phep kinh doanh nham giam thieu tdi da thoi gian cho phe duyet SPBH cho cac DNBH 3.3.2 Doi voi Hiep hoi bao hiem Viet Nam Hiep hoi bao hiem Viet Nam cung nhu Hiep hoi ngan hang can thuc hien tot vai trd trung gian giua doanh nghiep va Nha nude, thiet lap dupe moi quan he chat che de cung nam bat thdng tin Ngoai ra, vdi vai tro la cau noi giua cac DNBH nganh, Hiep hoi bao hiem Viet Nam can nang cao hon nua vai tro cua minh, ho tro cac DNBH thuc hien hoat dong lien ket ngan hang - bao hiem bang each chuyen tai nhanh chong cac kien nghi cua cac DNBH va ngan hang tdi Nha nude, nham tao nhung dieu kien tot nhat cho cac DNBH phat trien kenh phan phoi Vdi vai trd trung gian ket noi cac DNBH vdi nhau, Hiep hoi bao hiem Viet Nam can lien ket vdi Hiep hoi ngan hang thuong xuyen to chuc cac buoi hoi thao chuyen de ve nghiep vu Bancassurance nham giup cho cac don vi lien quan trien khai cong kenh phan phoi Dong thoi thdng qua cac buoi hoi thao cd the chia se kinh nghiem trien khai cua cac doanh nghiep di truoc tu rut nhung bai hoc bo ich cho cac DNBH du dinh mo rong kinh doanh sang linh vuc hoat dong bancasurance Khong chi vay, Hiep hoi bao hiem can hd tro DNBH va ngan hang ve van de dao tao Su cong cua kenh phan phoi bancassurance phu thuoc rat nhieu vao 86 kha nang chuyen mon, muc hieu biet nghiep vu, hieu biet thi truong cua cac nhan vien tham gia kenh phan phoi Mac du cac ngan hang va DNBH vien tham gia hoat dong ngan hang - bao hiem nhung cac don vi van rat can su hd tro dao tao mot cach chuyen nghiep tu phia Hiep hoi - Phia co quan quan ly Nha nuoc, Hiep hoi cung can phai co su tuyen truyen quang ba rong loi ich cua viec trien khai hoat dong bancassuracne de co nhieu hon nua cac DNBH va ngan hang tham gia hoat dong 87 KET LUAN Bancassurance la kenh phan phoi khong xa la d nhung nunc co thi truong e •9 ' ' tai chinh phat trien Ke tu doi, kenh phan phoi Bancassurance co toe phat trien nhanh va dem lai hieu qua cao cho nen kinh te Tuy nhien, d Viet Nam hoat dong Bancassurance van mdi me, de dat duoc hieu qua cao thi doi hoi phai co su dau tu, nghien cuu va nhung budc di phu hop Chinh vi vay de trien khai tot hoat dong nay, viec nghien cuu, de cac giai phap de nang cao hieu qua hoat dong Bancassurance tai Viet Nam co y nghia thiet thuc doi vdi nganh dich vu tai chinh tai Viet Nam noi chung, nganh ngan hang va bao hiem Viet Nam noi rieng De tai “Hoat dong Bancassurance tai Tong cong ty Bao Viet Nhan tho” cd the khai quat nhu sau: Bancassurance, khai niem Bancassurance, phan biet Bancassurance vdi cac thuat ngu tuong tu, mo hinh Bancassurance, hinh thuc phan phoi, san pham cua Bancassurance Tiep di sau vao phan tich Iqi ich cua Bancassurance va cac yeu r r to anh hudng den hoat dong Bancassurance; Hai la, phan tich tinh hinh trien khai hoat dong Bancassurance tai Tong cdng ty Bao Viet Nhan tho giai doan 2010-2015, tir chi duqc nhung cdng, dua cac han che cung nhu nguyen nhan cua nd Tren co sd cac danh gia de de r xuat md hinh va giai phap cho Bancassurance tai BVNT giai doan 2006 - 2020 Dac biet de tai da khao sat duqc y kien danh gia cua khach hang doi vdi SPBH phan phoi qua kenh bancassurance ma Bao Viet Nhan tho trien khai a r r Ba la, de tai nghien cuu dua giai phap va kien nghi doi vdi cac co quan quan ly Nha nudc nham tao dieu kien thuan Iqi va hanh lang phap ly cho hoat dong Bancassurance tai Bao Viet Nhan tho phat trien giai doan 2016-2020 Trong dieu kien mdi trudng kinh te nudc va quoc te co nhieu bien dong 88 ■ anh huong khong nho toi hoat dong kinh doanh bao hiem noi chung va cua Tong cong ty Bao Viet Nhan tho noi rieng, cac nghien cuu va de xuat giai phap pham vi Luan van khong tranh khoi mot so nhan dinh chu quan, toi rat mong nhan dupc nhung y kien dong gop de noi dung de tai duoc hoan thien hon Toi xin tran cam on./ Ha Noi, thang 09 nam 2016 Ngudi thuc hien Tran Thi Lan Huong 89 DANH MUC TAI LIEU THAM KHAO ã ã rwi a ã ftiô A Tai lieu Tieng Viet Do Minh Hoang (2009), “Van dung mo hinh bancassurance vao Ngan hang Nong nghiep va Phat trien Nong thon Viet Nam”, Luan van cao hoc, Khoa Quoc te, DH Quoc gia, Ha Noi Nguyen Thi Thu Ha, Nguyen Hoang Thanh Hang (2012), Hoat dong bao hiem qua kenh ngan hang tai Viet Nam, Tap chi Thuong mai so 19/2012 Nguyen Van Dinh chu bien (2009), Giao trinh Quan Tri Kinh Doanh Bao Hiem, Nha xuat ban Dai hoc Kinh te quoc dan Nguyen Van Dinh chu bien (2010), Giao trinh bao hiem, Nha xuat ban Dai hoc Kinh te quoc dan Pham Viet Ha (2010), “Phan tich SWOT hoat dong bancassurance tai Viet Nam”, Luan van cao hoc, Vien Sau Dai hoc, Dai hoc Kinh te Quoc dan “Bancassurance - Tu ly thuyet den thuc tien”, [true tuyen] tai dia chi: http://svic.vn/tintuc/bancassurance-tu-ly-thuyet-den-thuc-tien/ “Bancassurance tai Viet Nam van chi la ky vong”, [true tuyen] tai dia chi: http://www.baomui.com/bancassurance-tai-viet-nam-van-chi-la-ky-vong/ •> r r “Bao hiem se la loi the canh tranh cua ngan hang”, [ true tuyen] tai dia chi:http://svic.vn/tintuc/bao-hiem-se-la-loi-the-canh-tranh-cua-ngan-hang/ “Trien vong soi dong Bancassurance 2012”,[True tuyen] tai dia chi: // ttp//www/svic.vn/tintuc/trien-vong-soi-dong-bancassrance-2012/ 10 “VCLI ghi dau cong vdi Bancassurance tai Viet Nam”, [ True tuyen] tai dia chi: /http/www.thoibaonganhang.vn/tintuc/vcli-ghi-dau-thanh-congvoi-bancassurance-tai-viet-nam/ 90 Tieng Anh 21 A Karunagaran, 2006, Bancassurance: A Feasible Strategy for Bank in India, Reserve Bank of India Occasional Papers, Vol.27, No.3, India 22 Nguyen Trung Kien , 2008, “Business environment of bancassurance operation in Bao Viet Life and recommendations on its marketing approach of the success”, Luan van Thac si, Trung tam Phap - Viet dao tao v6 quan ly 21 Clarence Wong, Lilian Cheung, 2002, Bancasurance Development in Asia Shifting into a Higher Gear, Swiss Reinsurance Company 22 Clarence Wong, Mike Bamahan, Lucia Bevere, 2007, Bancasurance: Emerging Trends, Opportunities and Challenges, Swiss Reinsurance Company, Swisland 23 Elisabeth Standler, 2010, Bancassurance in CEE: The Value Proposition, Central European L&H Leadership Forum, ERGO, Vienna, Austria r Mot so trang web: www.tailieu.vn www.webbaohiem.vn www.thuvienbaohiem.vn www.baovietnhantho.com.vn www.tinnhanhchungkhoan.vn www.managementioumal.info 91 PHU• LUC • PHIEU GHI NHAN Y KIEN KHACH HANG Kinh thua Quy khach hang Toi la hoc vien cao hoc Truong Dai hoc Kinh te quoc dan, dang tien hanh nghien cuu ve hoat dong phan phoi san pham bao hiem qua ngan hang cua Tong Cong ty Bao Viet Nhan tho, nham giup cho Bao Viet Nhan tho cang dap ung tot hon nhu cau cua quy khach hang Rat mong nhan duoc y kien danh gia cua quy khach hang ve san pham dich vu bao hiem qua ngan hang cua Bao Viet Nhan tho thong qua viec tra lbi cac cau hoi sau day Toi xin dam bao cac thong tin khach hang cung cap chi dupc phuc vu cho muc dich nghien cuu va dupc bao mat theo qui dinh cua phap luat Xin chan cam on su giup cua anh/chi! Thong tin khach hang: a Giai tinh: b Dotadz: Nam □ 18-22 □ c Nghe nghiep1 Nu □ 35 - 55n 22 - 35 □ Tren55tu6in Noi trp/hien khong di lam □ Dang co viec lam □ d Muc thu nhap hang thang cua Quy khach: Dubi trieu VND □ 5-10 trieu VND 10-20 trieu VND □ Ttren 20 trieu VND □ □ e Quy khach da tham gia bao hiem cua Bao Viet Nhan tho duoc bao lau? 5 namn / Quy khach da mua san pham bao hiem cua Bao Viet Nhan tho qua ngan hang 92 r chua? (Neu co thi la san pham gi va tai ngan hang nao?) Co □ Khong □ Danh gia chat luong dich vu bao hiem cua Bao Viet Nhan tho phan phoi qua ngan hang: Quy khach danh gia nhu the nao ve chat luong dich vu bao hiem qua ngan hang cua Bao Viet Nhan tho? Hoan STT Noi dung toan Khong Binh Dong khong dong y thuong y dong y Mire tin cay Ngan hang lien ket uy tin Ca sa vat chat trang thiet bi hien dai Thu tuc cung cap san pham dich vu don gian, thuan tien Cung ung san ph4m dung thai gian cam ket Kha nang dap ung dich vu San pham bao hiem cung cap co nhieu lua chon da dang, phong phu Nhan vien ban hang san sang giup da khach Hoan toan dongy 93 hang can Co nhan vien tu van bao hiem tai diem giao dich Nhan vien phuc vu cong bang doi vdi tat ca cac khach hang Nang luc phuc vu 10 11 12 Khach hang cam thay tin tudng, an toan mua SPBH qua ngan hang Nhan vien ngan hang co day du kien thuc ve SPBH Khach hang duoc hudng quyen loi thoa dang rui ro xay Nhan vien co thai lich su vdi khach hang Kha nang tiep can 13 Dia diem, mang ludi giao dich thuan tien 14 Thoi gian lam viec hop ly 15 Co cac tien nghi phuc vu tot cho khach hang Gia ca 16 Bieu phi bao hiem hop ly so vdi cac DNBH khac 17 Thu phi dung nhu bieu phi da niem yet Chi phi mua bao hiem tuong xung vdi chat 18 luong va gia ca Khach hang khong phai tra them khoan phi 19 nao khac - Muc hai long cua quy khach doi voi chat luong dich vu bao hiem qua ngan 94 hang cua Bao Viet Nhan tho: Rat hai long □ Hai long □ Chua hai long □ Hoan toan khong hai long Binh thuong □ r □ 99 - Quy khach se tiep tuc su dung cac san pham bao hiem qua ngan hang cua Bao Viet Nhan tho: Khong □ Co □ 9 - Quy khach se giai thieu cac san pham bao hiem qua ngan hang cua Bao Viet Nhan tho cho ban be va nguoi than? Hoan toan dong y □ Dong y □ Khong dong y □ Hoan toan khong dong y □ X X 9 - Nhu cau cua quy khach mua san pham bao hiem qua ngan hang cua Bao Viet Nhan tho thdi gian toi? (Doi voi san pham nao?) Xin chan cam on su hop tac va giup cua Quy khach hang! 1/2016 Turnitin previous paper •eferenc: Hoat dong Bancassurance tai Tong cong ty Bao Processed on: 13-NOV-2016 21:23 ICT ID: 736332554 Originality Report Word Count: 27134 Submitted: locum ent Viewer ‘elude bibiiogrsshy Similarity by Source Similarity Index 17% Internet Sources: Publications: Student Papers: 18%) 2% 4% By Tran Thi Lan HuUng excluding matches < 30 words mode: i show highest matches together ▼ PHAN MO DAU 1.1 Su* can thiet cua de tai Th.tfc t€ hien nay, hoat ddng lien ket ' ! gill’s ngan hang va doanh nghiep bao hiem dang la mot nhung hoat flong kinh doanh co nhieu tiem nang phat trien, mfl 2% match (Internet from 15-Mar-2014) httB.:>^webbaoh.iemJnet 1% match (Internet from 10-Sep-2014) http: //w ww ba oviet.com.vn 32 cd F * next paper B 1% match (Internet from 29-Jun-2015) htto://bacvietluat.vn hoi 501 4J 1% match (Internet from QS-Nov-2014) http ://demo7.phonacachso com dudc ke hoach kinh doanh Khi 1% match (Internet from 2.9-May-2014) i I nen kinh te the gidi noi chung va thi truing bao hiem noi rieng s http://kianvBn.co [51] < 1% match (student papers from 18-Dec-2014) Submitted ,t