Năng lực cạnh tranh của tổng công ty cổ phần bảo hiểm petrolimex

BO• GIAO DUC VA DAO TAO • • I TRUING DAI HOC KINH TE QUOC DAN TRUONG fJHKTQD TT THONG TIN THU’VifiN PHAN RICH THAO NANG LVC CANH TRANH CUA • • TONG CONG TY CO PHAN BAO HIEM PETROLIMEX Chuyen nganh: Kinh te Bao hiem Ma nganh: 8340201 LUAN VAN THAC SI TAI CHINH - NGAN HANG • • NGIOI HIONG DAN KHOA HOC: PGS.TS NGUYEN VAN DINH • • DAI HOC K.T.Q.D TT THONG TiN THU’VIEN PHONG LUAN AN-TVLIEU Ha Noi, nam 2018 M LCD CAM DOAN VA CAM ON Toi da doc va hieu ve cac hanh vi vi pham sir trung thuc hoc thuat Toi cam ket bang danh du ca nhan rang luan van cao hoc: “Nang lye canh tranh cua Tong cong ty co phan bao hiem Petrolimex” la cong trinh nghien cuu toi thuc hien va khong vi pham yeu cau ve su trung thuc hoc thuat Cac so lieu luan van co nguon goc rd rang Ket qua nghien cuu dupe trinh bay luan van chua tung dupe cong bo tai bat ky cong trinh khoa hoc nao khac Toi xin chan cam on cac thay cd trubng Dai hoc kinh te Quoc dan da truyen dat cho toi kien thuc sudt nam theo hoc tai truong Toi xin chan cam on Tong cong ty cd phan bao hiem Petrolimex cung ban be, dong nghiep cua toi da tao dieu kien cho toi khao sat thoi gian lam luan van Toi xin chan cam on thay PGS.TS Nguyen Van Dinh cung toan the luan van Phan Rich Thao YEU CAU CUA HOI DONG CHAM LUAN VAN THAC SI Ve: Nhung diem c4n siia chua b6 sung trade nop luan van chink thuc cho Vien Dao tao Sau dai hoc Qgzrt? jAfrn? V.f xAa£ ’A&.tfl Q (& jgAL .C-dA L, Zv/Z (& Q&A&2 S'* aa Chu tich Hoi dong Cam ket cua Hoc vien7 TS Nguyen Thi Chinh Hoc vien Phan Bich Thao Neu hoc vi£n c6 trdch nhiem chinh stra theo y£u ciu cila H6i dfing chAm luan van Trong trudng hgp khong chinh stra se khong dupe cong nhfin kAt qua bio v6 _ _ rvrerwr Hqc vifin phai ddng ban yeu cAu chinh sun niy vio trudc Muc luc cua Quyen luan vSn chinh thiic nop cho Vien BTSBH CONG HOA XA HOI CHU NGHIA VIET NAM Doc lap - Tu* - Hanh phuc * * & "ft A NHAN XET LUAN VAN THAC SI KINH TE Ten dl tai: “Nang luc canh tranh cua Tong Cong ty Co phan Bao hiem Petrolimex” Hoc vien: Phan Bich Thao Ngudi nhan xet: TS Trinh Mai Van, Phan bien r / Co quan cong tac: Truong Dai hoc Kinh te Quoc dan Sau doc ban luan van thac sy cua hoc vien toi co mot so nhan xet sau: Tinh cap thiet cua de tai Bao hiem phi nhan tho (BH PNT) la nganh dich vu tai chinh gan lien vdi sir tang truong cua nen kinh (giai doan 2007-2011 nganh BH PNT dat toe tang truong cao len toi 26%/nam, giai doan suy thoai 2012-2013, la 9%/nam va tir 2014 den la 12%/nam) Ap lire canh tranh, khd khan tir thi truong BHPNT la nhidu doanh nghiep dan dau da de mat thi phan vao tay cac doanh nghiep nhd Tir nam 2012 den nay, thi phan cua top DN BHPNT (Bao hiem Bao Viet, Bao hiem dau PVI, Bao hiem Buu dien PTI, Bao hiem Bao Minh, Bao hiem PJICO) da giam tir muc 70% ve khoang 60% Nguyen nhan suy giam thi phan den tir ap luc canh tranh cung nhu cac doanh nghiep Ion can hon giai doan kho khan Ngoai ra, cuoc chay dua tren mang ban le cung cang gay gat, vira la co hoi song cung la thach thuc vdi tit ca doanh nghiep bao hidm tai Viet Nam Khong chi thi phin dang dan mat di ma toe tang truong cua cac DNBH Ion cung da cham f lai so vdi cac doanh nghiep nhd hon (duy Bao Viet dang cd tang truong cao la 21% thi doanh nghiep lai kha cham, Bao Minh va PJICO tham chi khong tren 6% Trong do, nhieu doanh nghiep bao hiem nhd cd toe tren 40%, dien hinhnhu Bao hidm Sai Gon - Ha Noi (BSH) tang 49,57%; BH Hang khong (VNI) tang 47,52%, NH Samsung tang 43,93%, ) Quy mo nganh bao hiem tong the nen kinh te d Viet Nam hien thap so vdi cac nude khu vuc Dong Nam Ado vay, du dia de tang truong rat nhieu la co hoi cho cac doanh nghiep khai thac, dieu la cho cuoc canh tranh gianh A * ' giat thi phan tren thi truong bao hiem phi nhan tho cang gay gat Vi vay, nang cao nang lire canh tranh la mot noi dung can duoc quan tarn nghien cuu Viec tac gja lua chon de tai nghien cuu la cd y nghTa ve mat thuc tien cao Ngoai ph£n mo dau, ket luan va danh muc tai lieu tham khao, luan van duoc kdt ciu chuong truyen thdng theo toi la hop ly Noi dung luan van khong cd sir trung lim vdi cac tai lieu, cong trinh ma ngudi doc cd so hoi tiep can r * r \ Ket qua dat cluo’c: \ Mot la, tac gia da he thong hoa duqc co so ly luan ve canh tranh va nang luc canh tranh cua doanh nghiep; Cac chi tieu danh gia nang lire canh tranh va cac nhan to anh hudng den nang lire canh tranh cua doanh nghiep la co so ly luan cho viec danh gia thirc trang nang luc canh tranh tai chuong Nhung kinh nghiem vd nang luc canh tranh cua Bao Viet va PVI, tir rut bai hoc kinh nghiem cho Cong ty la tai lieu tham khao co gia tri tot viec de xuat cac giai phap sau Hai la, Thong qua viec danh gia thuc trang nang luc canh tranh cua Cong ty dua tren cac tieu chi da dua tai chuong 1, tac gia dua duqc cac nhan dinh ve mat dat duqc duqc, nhung han che va nguyen nhan han che doi can pha nang cao nang lire canh tranh hien tai cua Cong ty Day la noi dung lam can cu viec de xuit cac giai phap tai chuong Ba la, qua danh gia, phan tich tai chuong 2, cung vdi bai hoc kinh nghiem rut va muc tieu, dinh hudng phat trien cua Cong ty giai doan tdi, tac gia da de xuat duqc giai phap cung nhu khuyen nghi doi de thuc hien giai phap nham nang cao nang lire canh tranh giup Cong ty co the phat trien manh me giai doan tdi Cac giai phap theo ngudi doc la co kha nang thuc hien duqc Mot so y kien trao doi de luan van hoan thien han: - Noi dung nghien cuu tai chuong can duqc sap xep cho dung de the hien cac van de lien quan den nang luc canh tranh de tir hudng den viec nang cao nang luc canh tranh dd tir co thd xuyen sudt nghien cuu cua chuong va Cu thd nhu: CSn xem lai 1.1.2 cac hinh thuc canh tranh ma day chinh la tieu chi danh gia nang lire canh tranh, hay nhu vi?c lua chon mo hinh Porter la kha khien cubng vi it lien quan tdi phan tich tai chuong - Trong chuong 2, noi dung trinh bay cac chi tieu chua thuc su logic va day du Mot so noi dung danh gia ve ydu to tac dqng (2.4-73) can duqc long ghep hai hoa va dung chd Viec dinh gia nang luc canh tranh can bam sat theo cac noi dung sau trinh bay vd tiem luc tai chinh, chat luqng ngudn nhan luc, trinh cong nghe cin co danh^ia, so sanh thi phAn, gia ban, sir da dang vd san phim, dich vu trudc va sau ban, hinh anh/thuong hieu, kenh phan phoi vdi cac doi thu canh tranh nhom va khac nhom, dd tir moi cac cac danh gia xem nang luc canh tranh cua DN ddn dau roi moi co cac giai phap nham nang cao nang luc canh tranh (Van dd chi tieu tai chinh khong xu dung von didu le ma phai duqc thd hien co ciu vdn cua doanh nghiep (+ Von chu so huu (vdn tu co): Vdn huy dong: vdn vay, trai phidu doanh nghiep; Ty le tai diu tu vd lqi nhuan; Gia cd phidu; Kha nang tra no ngSn han va dai han; Cac ty le vd kha nang sinh ldi), kha nang huy dong von,.) - Noi dung nghien cuu vd mo hinh SWOT thudng dung dd xay dung chien luqc kinh doanh, nhien neu hop ly co the de d dau chuong theo kieu du bao / r z r - Cac giai phap chuong vi the se hay hon neu gan ket vdi phan tich tai chuong dura tren gpi y cua nguvi doc - Cuoi cung la soat lai loi chinli ta va dieu chinh danh muc TLTK cho dung quy dinh Ket luan Mac du mot so han che nhung tong tine de tai la mot cong trinh nghien cuu dat dupe cac muc tieu nghien cuu dat ra, noi dung va hinh thuc dap ung day du cac yeu ciu va dieu kien theo qui dinh ve luan van thac sy tai kinh te bao hiem Hoc vien xung r \ dang dupe nhan hoc vi thac sy neu bao ve cong trade hoi dong Ha Noi, 26 thang 11 nam 2018 Cau hoi: Trong Thach thuc tai mo hinh Swot trang 55 tac gia co ghi "nganh BH b§t nhip cham vdi CN 4.0 ” mac du da co trinh bay tai trang 62 nhung Ban co th6 noi ro va cho vi du cu the? ' Theo tac gia d£ nang cao nang luc canh tranh giai doan toi thi nhan to nao dupe coi la then chot nhat doi voi PIJICO? NHAN XET LUAN VAN THAC SY KINH TE Ten de tai: “Nang luc canh tranh cua Tong cong ty co phan bao hiem Petrolimex” Hoc vien: Phan Bich Thao Chuyen nganh: Kinh te Bao hidm Phan bien TS Nguyen Van Thanh Sau doc noi dung ban chinh, tom tat luan van, toi co mot so y kien nhan xet sau day: Tinh cap thiet, y nghTa khoa hoc cua de tai luan van Thi truong bao hiem phi nhan tho tai Viet Nam dang cho thay tri muc tang trucmg cao hai so cung viec canh tranh gianh thi phan cang gap nhieu khd khan La mot nhung doanh nghiep co phan bao hiem duoc lap hinh thi truong bao hiem, Tong cong ty co phan bao hiem Petrolimex (sau day goi la PJICO) luon giu vung vi tri top ddu thi truong nhung nam qua Tuy vay cung nhu cac doanh nghiep bao hiem phi nhan tho khac tai Viet Nam, PJICO cung can phai soat nang luc canh tranh cua minh, co dieu chinh phu hop nham tang cubng tinh canh tranh tren thi truong Viec hoc vien nghien cuu nang luc canh tranh cua PJICO \ can cu vao dac thu cua mot doanh nghiep co phan bao hiem hang dau Viet Nam la mot hudng nghien cuu phu hop Nhfrng ket qua dat duoc Luan van Nhung ket qua dat duoc tu nghien cuu cua hoc vien cd the ghi nhan nhu sau: TTzu rih&t, hoc vien da khai quat duoc co so ly luan vd nang luc canh tranh noi chung va nang luc canh tranh hoat dong kinh doanh bao hiim phi nhan tho noi rieng, xac dinh cac nhan to anh hudng den nang luc canh tranh hoat dong bao hiem phi nhan tho Thu hai, hoc vien da neu ro thuc trang nang lire canh tranh cua PJICO tren thi truong bao hiem phi nhan tho Thu ba, tren co so danh gia thuc trang, hoc vien da manh dan de xuat cac nhom giai phap nham nang cao nang luc canh tranh cua PJICO cung nhu dua mot so khuyen nghi doi vdi co quan quan ly nha nude vd ■» -I bao hiem va Hiep hoi Bao hiem Ve hinh thuc, phuong phap va tin cay cua luan van Luan van cung cap nhieu so lieu chi tiet, dupe hoc vien phan tich mot each tuo’ng doi khoa hoc Ve noi dung, day la mot van de nghien cuu kha bo ich, va la cong trinh doc lap cua hoc vien, phu hop vdi chuyen nganh kinh te bao hiem Nhung diem han che cua luan van f r r \ Luan van se hoan chinh hon neu hpc vien lam ro mot so van de sau: Thu nhat, tai muc 2.2.2 cac chi tieu phan anh nang luc canh tranh cua PJICO tir trang 53 den 55 chuong II hpc vien chua dua dupe ly chi Hua chon cac doanh nghiep bao hiem gom Bao Minh, PTI, MIC, VNI va PJICO de so sanh ve nang luc canh tranh Viec so sanh vdi cac doanh z ■» nghiep quy mo nhd hon, pham vi hoat dong han che cd phu hop de dua cac nhan dinh ve nang luc canh tranh tai chuong I hpc vien phan tich nang luc canh tranh cua doanh nghiep hang dau la Bao hiem Bao Viet va PVI rut bai hpc cho PJICO Thu hai, tai Chuong III phan mot sd kien nghi nhSm nang cao nang luc canh tranh cua PJICO tu trang 90 hpc vien tach rieng kien nghi vdi Cue Quan ly giam sat bao hiem va Nha nude la khong phu hop vi Cue Quan ly giam sat bao hiem la don vi thuoc Bo Tai chinh dupe Chinh phu giao chuc nang quan ly nha nude hoat dong kinh doanh bao hiem Thu ba, tai trang 91 chuong III phan kien nghi vdi Cue Quan ly giam sat bao hiem hpc vien dua ly bao hiem phi nhan tho khong phai la kenh tap trung nguonvon tu xa hoi phuc vu dau tu nhu bao hiem nhan tho hay bao hiem xa hoi nen de nghi cho phep hoat dong dau tu cua khoi bao hiem phi nhan tho dupe chu dong, linh hoat hon ca ve thdi han va loai hinh tai san dau tu la chua chinh xac Bao hiem phi nhan tho cung nhu bao hiem phi nhan tho dac thu thu phi bao hiem trade tien hanh hoat dong chi tra bao hiem nen luon co nguon vdn doi dao cho hoat dong dau tu Diem khac biet vdi bao hiem nhan tho la quy du phong nghiep vu phi nhan tho co thdi han dau tu ngan hem, quy mo nhd hon Vi vay yeu cau quan ly hoat dong dau tu dac biet ve thdi han dau tu va loai hinh dau tu can het sue chu trong, tranh dau tu qua dai han khong phu hop vdi thdi han trach nhiem hoac dau tu rui ro va thieu tinh khoan ngan han \ r r Cau hoi: * ♦ Tai trang 83 neu giai phap phat trien san pham mdi, hoc vien cd de xuat phat trien san pham mdi ve thien tai se dua PJICO d vi the chu dong, vua han che duoc ton that vua khai thac duoc mot thi tradng mdi bo ngo Vay de nghi hoc vien lam ro se phat trien san pham mdi cu the nao, cac doanh nghiep khac tren thi tradng da lam tuong tu hay chua 9 Ket luan Luan van Thac sy vdi de tai “Nang luc canh tranh cua Tong Cong ty cd ph§n bao hidm Petrolimex” cua hoc vien Phan Bich Thao la mot cong trinh nghien cuu doc lap, hoi du cac yeu ciu va dieu kien theo quy dinh cua Nha nude Vdi luan van nay, hoc vien xung dang nhan bang thac sy chuyen nganh kinh te bao hiem r t Ha Noi,ngay 22/11/2018 Ngiroi nhan xet Nguyen Van Thanh MUC LUC • • LOT CAM DOAN DANH MUC CAC CHtT VIET TAT DANH MUC BANG BIEU DANH MUC HINH VE TOM TAT LUAN VAN i MO DAU 1 Tinh cap thiet cua de tai nghien cuu Tong quan nghien cuu Muc tieu nghien cuu Doi tuong va pham vi nghien cuu .4 Phuong phap nghien cuu Ket cau cua luan van CHlTONG 1: CO SO LY LUAN VE CANH TRANH VA NANG LUC CANH TRANH TRONG KINH DOANH BAO HIEM PHI NHAN THO 1.1 Mot so khai niem co lien quan 1.1.1 Canh tranh 1.1.2 Nang luc canh tranh cua doanh nghiep 1.1.3 Kinh doanh bao hiem phi nhan tho 1.2 Nang luc canh tranh hoat dong kinh doanh BHPNT 11 1.2.1 Dac diem va noi dung hoat dong kinh doanh cua DNBHPNT 11 1.2.2 Cac hinh thuc canh tranh kinh doanh BHPNT 17 1.2.3 Cac chi tieu chu yeu danh gia nang luc canh tranh cua DNBHPNT 18 1.3 Cac nhan to anh huong den canh tranh va nang luc canh tranh kinh doanh BHPNT 22 1.3.1 Cac nhan to ben 22 1.3.2 Cac nhan to ben ngoai 28 1.4 Nang luc canh tranh cua mot so DNBHPNT Viet Nam va bai hoc cho PJICO 300 1.4.1 Nang luc canh tranh cua mot so DNBHPNT Viet Nam 30 1.4.2 Bai hoc kinh nghiem ve nang cao nang luc canh tranh cho PJICO 35 86 dich vu cua cong ty,qua viec tien hanh cac cuoc nghien cuu thi trudng nhu phong van khach hang, chuyen gia nganh, thue cac cong ty nghien cuu thi trudng Hoan thien he thong giam sat cong tac quan ly rui ro, de phong, han che ton that Thuc hien tot cong tac boi thudng va chi tra tien bao hiem se bao ve lpi ich chinh dang cua khach hang, nang cao chat lupng phuc vu va la cach quang cao co hieu qua nhat lam tang uy tin va anh hudng tich cuc den ket qua kinh doanh cua cong ty bao hiem Bdi vi “Neu giai quyet boi thudng hoac chi tra nhanh chong va chinh xac, khach hang cung se nhanh chong khac phuc dupc nhung ton that ve mat tai chinh de tu on dinh cuoc song, on dinh san xuat kinh doanh va nang cao niem tin vdi doanh nghiep bao hiem Tu do, doanh nghiep bao hiem giu dupc khach hang truyen thong va md trien vong khai thac dupc nhung khach hang tiem nang tuong lai."( Jerome Yeafman- Truong quoc gia Bao hiem Pari) Do do, PJICO cung can xay dung cac tieu chuan chat lupng ve giam dinh boi thudng va thudng xuyen tien hanh cong tac kiem tra giam dinh boi thudng tai cac chi nhanh Dac biet, can tang cudng dao tao cho cac can bo boi thudng tai cac tru sd chinh, luon theo sat cac co quan giam dinh doc lap de cong tac giam dinh, giai quyet luon kip thdi, dam bao chat lupng boi thudng dupc nhanh chong, chinh xac nhat Cai tien lai quy trinh boi thudng cho cac nghiep vu don gian: xe, ngudi, Don gian hoa khau thu tuc cung cap chung tu cua khach hang thong qua viec tap trung lay chung tu qua benh vien, garage lien ket Dua hanh vi nhung nhieu khach hang khau giam dinh bdi thudng vao quy che lam viec ve hanh vi dao duc nghe nghiep va co bien phap e r -> ■> r a xu ly nghiem khac: luong, chuyen cong tac khac, hoac co the cham dut hop dong vdi muc vi pham nang Nghien cun trien khai cac khoa dao tao nghiep vu , ky nang mem, kien thuc ve phap luat cho can bo boi thudng de khau dam phan giai thich khach hang dupc cai thien hon Yeu cau can bo tich cuc chu dong viec ho trp khach hang xay ton that: lam viec vdi cac co quan chuc nang, ho trp khach hang lap ho so boi thudng chu nang cao chat lupng ve thdi gian giai quyet boi thudng, thudng xuyen bao cho khach hang biet ve tien giai quyet 87 3.3.6 Xay dung khung quan ly rui ro va tang cirfrng kiem soat noi bo phong tranh true lo'i bao hiem Xay dung he thong quan tri rui ro theo quy chuan va nang cao chat luong boi thuong De thuc hien quan tri rui ro cac cong ty bao hiem can xay dung mot mo hinh quan tri rui ro voi lop phong ve: + Lop phong ve thu nhat: Ap dung doi voi tat ca cac don vi, khoi, phong, ban Day la cac don vi truc tiep thuc hien cac nghiep vu, qua se ngan ngua, phat hien va kiem soat rui ro Lop phong ve duoc dieu hanh truc tiep boi ban giam doc Trong lop phong ve can bo nhan vien cua cac cong ty bao hiem dong vai tro rat quan trong, vi ho chinh la nhung nguoi se phan tich va danh gia quy trinh rui ro Muon lam duoc dieu nay, doi hoi cac nhan vien phai co du kien thuc, ky nang va trach nhiem voi cong viec, co nhu vay viec phat hien va ngan ngua rui ro moi duoc thuc hien kip thoi + Lop phong ve thu hai: Duoc thuc hien boi khoi quan tri rui ro Khoi quan tri rui ro se co trach nhiem giam sat moi rui ro tren toan he thong Lop phong ve thu hai nham muc tieu ho tro lop phong ve thu nhat de xay dung va nang cao nang luc quan ly rui ro Lop phong ve duoc dieu hanh truc tiep boi hoi dong quan tri Trong lop phong ve nay, khoi quan tri rui ro se phai co y kien vao cac quy trinh nham dam bao xay dung duoc mot quy trinh danh gia rui ro thuc te, chu khong chi xay dung cho co nham doi kiem tra + Lop phong ve thu ba: Duoc thuc hien boi bo phan kiem toan noi bo Bo phan se co trach nhiem kiem tra va soat xet moi hoat dong bao gom ca hoat dong kinh doanh bao hiem goc, hoat dong dau tu va tai bao hiem Lop phong ve duoc thuc hien mot cach doc lap boi ban kiem soat Trong lop phong ve tren thi lop phong ve thu nhat la quan nhat, boi rui ro cang phat hien som va co bien phap ngan ngua kip thoi thi se cang giam thieu duoc ton that Cong tac kiem soat rui ro: To chuc cac dot kiem tra dot xuat hoac dinh ky hang thang, quy o cap phong, cap cong ty tu phat hien kip thoi cac sai soat nham 88 chan chinh va khac phuc kip thoi Ra soat va quyet toan an chi, tien phi thu khach hang kip thoi theo tuan doi voi can bo/ dai ly va theo thang doi voi c£p phong De han che tinh trang truc loi bao hiem, can chu trong: khau tham dinh truoc cap hop dong/giay chung nhan cho khach hang can ghi day du thong tin cua doi tuong bao hiem truoc mua bao hiem; PJICO can dua ten khach hang da truc loi hoac bi nghi tung truc loi bao hiem vao du lieu khach hang cua minh de theo doi Tang cuong kiem tra noi bo cung la mot van de dat hien doi voi hoat dong tai chinh nhay cam nhu bao hiem PJICO phai cung co tang cuong hoat dong tu kiem tra, kiem soat tap trung vao nhung linh vuc de phat sinh tieu cue nhu boi thuong, hoa hong, dau tu, quan ly thu phi, chi phi khai thac Ra soat cac hang muc dau tu, du an dau tu, danh gia truoc hieu qua, tinh an toan va rui ro cu the tung du an r 3.3.7 Nang cao chat a ngudn nhan lire Dac thu cua nganh bao hiem la nganh kinh doanh dich vu nen doi ngu nhan vien bao hiem phai la nhung nguoi co trinh chuyen mon nghiep vu, co kien thuc am hieu cac van de kinh te-xa hoi va ky thuat lien quan den nghe nghiep San pham bao hiem la san pham truu tuong, vo hinh, cung voi trinh hieu biet cua nguoi dan ve bao hiem han che gay nhieu kho khan cho hoat dong kinh doanh bao hiem, dac biet la giai doan gioi thieu va tung san pham moi vao thi truong Vi vay rat can doi ngu nhan vien co nang luc chuyen mon co the tiep can duoc khach hang.Viec gioi thieu san pham moi co cong hay khong la nho vao doi ngu can bo nhan vien bao hiem Khach hang bao hiem rat da dang va loai hinh bao hiem rat phong phu De giai thich cho khach hang hieu ro ve tung loai hinh, nghiep vu bao hiem, giup ho tranh nham lan lua chon tham gia bao hiem, can bo bao hiem khong nhung can co trinh chuyen mon ma phai co kinh nghiem thuc te Do PJICO can co chinh sach thu hut nhan tai tu nhieu nganh va linh vuc ve lam viec cho minh, co chinh sach dai ngo thoa dang, cong bang cho can bo cong nhan vien cua cong ty Che luong bong hop ly giup cho nhan vien lam viec co nang suat hon va ty le nguoi bo viec qua lam cho cong ty khac se thap hon sap xep, bd tri can 89 bo phu hop voi trinh chuyen mon, nang luc cua can bo nham dap ung nhiem vu chien luoc cua cong ty, tang nang suat lao dong Thuc hien viec luan chuyen can bo lanh dao de tao dieu kien cho nhung nguoi thuc su co kha nang phat huy duoc nang luc cua minh PJICO co the moi cac chuyen gia nuoc ngoai den lam viec va hoc hoi kinh nghiem, giam bot tinh trang thieu nhan luc chat luong cao PJICO cung can phai nang cao tinh ddng deu ve nang luc chuyen mon cua luc luong can bo nhan vien tu Tong cong ty den cac cong ty vien thong qua dao tao va tai dao tao de dap ung duoc yeu cau thuc tien quan ly kinh doanh nhat la cac bo phan khai thac, giam dinh - bdi thuong ; ap dung he thong chi so luong ket qua hoat dong (KPI) cho cac phong ban va ca nhan nham nang cao chat luong va hieu qua cdng viec ddng thoi cung giup cai thien theo chieu huong minh bach tich cuc hon cong tac quan ly nhan su, tra luong va che dai ngo doi voi can bo nhan vien 3.3.8 Mot sd giai phap khac Theo da tang trudng cua nen kinh te, PJICO co the nang cao nang luc tai chinh cua minh bang cach tang quy mo von chu sd huu thong qua viec phat hanh co phieu, nang cao hieu qua hoat dong kinh doanh truc tiep de tang loi nhuan bo sung von chu sd huu Mat khac, PJICO can da dang hoa danh muc dau tu va tim kiem cac co hoi danh muc dau tu moi de gia tang doanh thu dau tu, tap trung vao dau tu dai han, cac nganh co tiem nang tang trudng cao, doi ngu quan ly tot, dinh gia hap dan Viec Viet Nam gia nhap thi truong qudc te la mot co hoi lon cho PJICO co the hoc hoi, tiep can nhung cong nghe thong tin tien bo cua cac doanh nghiep nuoc ngoai nham cai thien su phoi hop giua cac nha cung cap Ap dung cong nghe moi truc tiep giam sat va nang cao chat luong dich vu giam dinh bdi thuong Thue cong ty giam sat doc lap de danh gia chat luong dich vu giam dinh cua PJICO 3.4 Mot so lden nghi nham nang cao nang lire canh tranh cua PJICO 3.4.1 Doi vd'i Hiep hoi bao hiem - Kien toan bo may to chuc cua Hiep hoi Bao hiem Viet Nam de Hiep hoi thuc hien duoc vai tro cau noi giua doanh nghiep bao hiem va cac co quan quan ly nha 90 nuoc - Cong tac to chuc cua Hiep hoi can dupe kien toan va nang cao Thdng qua cac hoi nghi Hiep hoi to chuc, cac dien dan tap trung vao viec danh gia tinh hinh thi truong, de cac giai phap, chuong trinh hop tac phat trien thi trudng Vai trd quan ly cua Hiep hoi can dupe that chat va nang cao, dap ung toe phat trien cua nganh - Cdng tac tuyen truyen the hien thdng qua nhung bai viet, ban tin, nang cao vai tro la cau noi thdng tin giua cac doanh nghiep va ngoai nudc Su ho trp ve mat thdng tin la cue ky quan trong, giup cac doanh nghiep cd dupe nguon thdng tin dang tin cay - Cdng tac tham gia xay dung chinh sach phap luat tao hanh lang phap ly cho cac doanh nghiep BH hoat dong theo dung dinh hudng va lo trinh Hiep hoi bao hiem can phat huy hon nua vai tro tu van xay dung cac san pham bao hiem cho cac doanh nghiep BH Hiep hoi can nang cao cdng tac ho trp dao tao va huan luyen cho cac doanh nghiep BH Trudc thuc te nganh bao hiem thieu dpi ngu nhan vien cd nghiep vu, Hiep hoi can day manh hon ntra cdng tac huan luyen, dao tao thdng qua cac hinh thuc: lien ket dao tao vdi cac to chuc quoc te, cac cdng ty bao hiem cd uy tin tren the gidi, to chuc hoi thao, buoi noi chuyen, cac khoa hoc ngan han, 3.4.2 Bdi voi Cor quan quan ly Nha nud’c 3.4.2.1 Hoan thien he thdng phap luat Sau 17 nam trien khai thuc hien Luat Kinh doanh bao hiem, thi trudng bao hiem da cd su phat trien dang ghi nhan nhu quy md thi trudng phat trien nhanh chong, nang luc tai chinh hieu qua hoat dong cua cac DNBH mot nang cao Ve muc phu bao hiem, tinh den het nam 2017 da cd 10 trieu lupt ngudi cd bao hiem y te, sue khoe; tren 12 trieu lupt hoc sinh dupe bao hiem sue khde, tai nan; tren 18 trieu lupt khach duoc bao hiem trach nhiem hang khong; tren 12 trieu lupt khach dupe bao hiem dudng sat tren 2.000 trieu lupt khach dupe bao hiem trach nhiem hanh khach van chuyen dudng bo, 80% cdng trinh xay dung co sd tang, cdng trinh kinh te ldn cua Nha nudc dupe bao hiem Hien dang cd 1.300 san pham 91 bao hiem voi mang luoi phuc vu tren toan quoc Ben canh nhung mat tich cue thi viec thuc hien Luat Kinh doanh bao hiem thoi gian qua cung phat sinh mot so kho khan, vuong mac pham vi dieu chinh chua bao quat het cac phan tham gia Mot sd khai niem ve bao hiem ky thuat so, quyen loi cd the duqc bao hiem can duqc bo sung, sua doi Cung vdi do, mot so quy dinh tai chuong hqp ddng bao hiem, quy dinh vdn va kha nang toan cua DN bao hiem, dai ly, td chuc, thi va cap chung chi dai ly, pham vi hoat dong mdi gidi cung can phai bo sung, sua doi de theo kip xu the hien tai; khai niem ngudi thu huong chi ap dung vdi hqp ddng bao hiem ngudi la khong phu hqp vdi cac hqp dong tin dung; co che chia se thong tin cung khong phu hqp vdi yeu cau phai chia se thong tin cong khai giua cac DN, dac biet cac trudng hop gian lan bao hiem hoac cd dau hieu gian lan; quy dinh xac dinh loi loai tru bao hiem cung khong cd phu hqp vdi thuc te Trong dieu kien thi trudng tu va md cua nhu hien nay, he thong phap luat kinh doanh bao hiem chat che, ddng bo se tao nhung dieu kien thuan lqi cho cac DNBH hoat dong on dinh hieu qua De lam duqc dieu do, Nha nudc can phai: - Tiep tuc hoan thien co che, chinh sach, ve hoat dong kinh doanh bao hiem de thi trudng phat trien lanh manh, an toan, phu hqp vdi yeu cau hoi nhap; bao dam tinh chu dong va tu chiu trach nhiem cua cac DNBH - Tao hanh lang phap ly thuan lqi cho qua trinh hoat dong kinh doanh cung nhu trien khai cac san pham bao hiem mdi tai thi trudng Viet nam Phoi hqp vdi co quan lien quan de sdm ban hanh Luat kinh doanh BH sua doi va cac Nghi dinh hudng dan thi hanh Luat kinh doanh bao hiem sua doi - Cue QLGSBH can phoi hqp vdi co quan quan ly giam sat canh tranh ban hanh van ban hudng dan thi hanh Luat Canh tranh linh vuc kinh doanh bao hiem phu hqp vdi tinh dac thu cua nganh bao hiem - Doi mdi phuong thuc va nang cao nang luc quan ly Nha nudc hoat dong KDBH, tien tdi thuc hien cac nguyen tac va chuan muc quan ly bao hiem quoc te 92 3.4.2.2 Tang cudng cong tac tra, kiem tra cac DNBH Cue QLGSBH can tang cudng cong tac tra kiem tra cac DNBH, xu ly triet de cac hanh vi canh tranh khong lanh manh gay anh hudng den quyen loi cua khach hang va thi trudng bao hiem Ben canh do, Cue can cd nhung bien phap ngan chan va xu ly nghiem minh doi vdi each hanh vi vi pham ve an toan kha nang toan cua DNBH nhu vi pham quy dinh ve tai bao hiem, trich lap du phong nghiep vu, Id nghiep vu, cham tre giai quyet bdi thudng, cat giam tien bdi thudng vdi ly khong chinh dang Tang cudng chuc nang giam sat tir xa nhu giam sat thdng qua he thdng chi tieu canh bao, giam sat thdng qua phan tich danh gia bao cao tai chinh, bao cao nghiep vu, giam sat thdng qua cac kenh thdng tin dai chung, giam sat thdng qua co che lam viec thudng xuyen, dinh ky giua Bo Tai chinh va cac DHBH, kiem tra tai cho de phat hien va chan chinh kip thdi cac sai pham thdng qua dau hieu phat hien va xu ly cac vu viec phat sinh kip thdi nham dam bao thi trudng bao hiem phat trien lanh manh, an toan va hieu qua De lam duoc dieu Co quan quan ly Nha nude can xay dung duoc he thdng thu thap, luu tru xu ly chia se sd lieu thdng ke bao hiem va co che cung cap thdng tin cho cac doanh nghiep bao hiem Can xac dinh rd cac loai thdng tin, sd lieu can duoc thu thap, luu tru, mure xu ly va chia se thdng tin, sd lieu cua cac doanh nghiep bao hiem cd the qui dinh tai cac van ban cd lien quan Can tach bach giua quan ly nha nude va dich vu cong Cd rat nhieu thdng tin chi cac co quan quan ly nha nude mdi cd the thu thap ( sd lieu thdng ke tren ca nude ve ho so cac vu tai nan giao thdng, chay no ) Cac DNBH san sang chi tra de cd dupe thdng tin huu ich phuc vu cho hoat dong cua minh x \ r 3.4.2.3 On dinh phat trien nen kinh te tao mdi trudng kinh doanh thuan lpi cho cac DNBH Nha nude giu vai tro quan trong viec dieu tiet vi md nen kinh te Mot chinh sach kinh te dung dan se dam bao cho nen kinh te phat trien ben vung, dam bao cho cac dinh hudng, chien luoc va du bao cua nganh bao hiem noi rieng di 93 dung quy dao Dieu gop phan khong nhd cho cac DNBH viec xay dung nhung chien luoc kinh doanh, dinh huong phat trien cua minh Khi nen kinh te di vao hoi nhap, cac cam ket cua WTO duoc van hanh thi ap luc canh tranh cung tang cao, tinh bat on cua nen kinh te se gia tang Nha nuoc can dam bao cho su phat trien ben vung cua nen kinh te, dam bao cho cuoc canh tranh cua cac DNBH nuoc va DNBH nuoc ngoai dien duoc cong bang, lanh manh Cu the: - Xay dung chinh sach ty gia hoi doai on dinh Dieu se giup cho cac DN noi chung va cac DNBHPNT hoat dong nhuong tai bao hiem noi rieng co dieu kien phat trien thuan loi Khi do, cac cong ty bao hiem goc se khong bi thiet tra phi nhuong tai bao hiem cho cac cong ty nhan tai bao hiem cac ngoai te tang gia, mat khac co the tang doanh thu tai bao hiem nhb kha nang su dung linh hoat quy ngoai te cua minh -Kiem che lam phat d muc phu hop, vua khong lam mat gia dong noi te, vira tao dieu kien cho cac nganh kinh te phat trien, thuc day mua ban ngoai thuong va hoat dong mua bao hiem cho hang hoa xuat nhap khau; nang cao doi song nhan dan de moi ngudi deu co kha nang mua bao hiem - Hoan thien thi trudng tai chinh, dac biet la thi trudng chung khoan cung vdi viec cai thien cac quy dinh phap ly lien quan den bao hiem can dupe tien hanh ddng y ~ r y thoi nham dan von tir cac DNBH toi cac nha dau tu thdng qua thi trudng chung khoan, va mat khac bien thi trudng chung khoan noi cung cap cac co hoi dau tu tot cho cac cdng ty bao hiem 3.4.2.4 Co chinh sach tuyen truyen nang cao nhan thuc cua ngudi dan ve bao hiem De “bao hiem phan anh trinh van minh”, Nha nudc can cd chinh sach tuyen truyen nang cao nhan there cua ngudi dan ve bao hiem, khuyen khich ngudi dan tham gia bao hiem Ngoai viec tuyen truyen ve vai trd cua bao hiem, cac dac tinh cua san pham bao hiem thi can cd su bien ve y nghTa cua hoat dong bao hiem toi kinh te xa hoi Nhung chi tieu nhu muc tang trudng nganh, so tien bao hiem dau tu trd lai nen kinh te, quy bao ve ngudi dupe bao hiem cung can co su tuyen 94 truyen rong rai vi dieu se giup nguoi dan hieu duoc rang ho mua bao hiem khong chi de bao ve rui ro xay ma cdn co su yen tarn vi dong tien dong phi duoc dam bao, vi viec mua bao hiem la gop phan thuc day kinh te xa hoi Chang han nhu nam 2017 cd nhieu so rat y nghia ma nganh bao hiem lam duoc nhu' so tien chi tra/bdi thudng cua cac doanh nghiep bao hiem uoc len tdi 29,423 ty ddng, tuc la cd hang van gia dinh dupe bao ve rui ro bat ngd xay ra; hon 302,935 ty ddng dupe dau tu trd lai nen kinh te De dieu tham thau sau va rong rai, can nhung chuong trinh truyen thong hoanh trang, nhung cung can nhung chuong trinh nhan ban va lau dai Nhung td bao cd chuyen mon sau ve linh vuc bao hiem, cd ban doc rong khap nhu Dau tu, Dau tu Chung khoan, cac kenh truyen hinh can dupe tan dung tot hon nua cong tac tuyen truyen Ben canh do, Nha nudc can cd chinh sach khuyen khich cac DNBH nghien cuu trien khai cac san pham bao hiem nong, lam ngu nghiep, chu md rong pham vi hoat dong den cac vung sau, vung xa, dac biet la can tim giai phap ho tro tich cue cac doanh nghiep kinh doanh loai hinh bao hiem nong nghiep, bao hiem thien tai nham muc tieu on dinh an sinh xa hoi, ung vdi bien doi hau toan cau 95 KET LUAN • Toan cau hoa da va dang tro mot xu the tat yeu tien trinh phat trien kinh te the gidi Viec chinh thuc la vien cua WTO mang lai cho Viet Nam rat nhieu co hoi de phat trien nhanh va ben vung nen kinh te Nhung ben canh do, thach thuc dat cung rat Ion Doi mat vdi nhung thach thuc, tan dung cac co hoi la yeu cau doi vdi cac DNBHPNT noi chung va PJICO noi rieng Vdi nhung yeu to tren, canh tranh duoc xem la tat yeu, la str song cua mdi nganh, mdi doanh nghiep De cd the dung vung tren thi trudng BHPNT, tren co sd nhung dinh hudng chien luoc phat trien cua minh, PJICO phai thuc su cd nhieu nd luc viec cung cd, nang cao nang luc tai chinh, nang cao trinh quan ly va chat luong nguon nhan luc, ung dung cac cong nghe hien dai de phat trien da dang san pham dich vu va day manh xay dung thuong hieu tren ca thi trudng nude va hudng quoc te Luan van da khai quat co sd ly luan khoa hoc ve canh tranh va nang luc canh tranh nganh Bao hiem va tinh dac thu cua nganh bao hiem Ve mat thuc tien, luan van cung da tap trung trinh bay khai quat tinh hinh nang luc canh tranh cua PJICO tren thi trudng bao hiem phi nhan tho Viet Nam Vdi su gidi han ve nhieu mat, ban than tac gia cung chi dua mot sd giai phap mang tinh khai quat de hoan thien va nang cao hon nua nang luc canh tranh cua PJICO tren co sd nhung diem manh, diem yeu, nhung thdi co va thach thuc mdi tuong quan ve “sue” giua cac DNBHPNT nude, cung vdi nhung xu the mdi cua hoi nhap ma cac DNBH se va phai hudng den de tao dung vi the tren thi trudng Du da rat cd gang de hoan thien tot nghien cuu cua minh Nhung, de tai chac chan khong the tranh khoi nhung thieu sot Rat mong su gop y cua cac Thay, Cd giao va cac ban doc de giup de tai dupe tot hon 96 TAI LIEU THAM KHAO Tieng Viet ’ ' Bo Tai chinh (2014), Thong tu 195- Danh giaxep loai doanh nghiep bao hiem PGS.TS Vu Kim Dung - PGS.TS Nguyen Van Cong (2012), Kinh td hoc, Nha xuat ban Dai hoc kinh te Quoc dan ~ a \ r r \ Nguyen Hong Diep (2012), Phan tich vd de xuat mot so gidiphap nham nang cao nang luc canh tranh linh vuc kinh doanh bao hiem cua Tdng cong ty co phan bao hiem dau Viet Nam, truong Dai hoc Bach khoa Ha Noi PGS.TS Nguyen Van Dinh (2012), Giao trinh bao hiem, Nha xuat ban Dai hoc kinh te Quoc dan PGS.TS Nguyen Van Dinh (2012), Giao trinh quan tri kinh doanh bao hiem, Nha xuat ban Dai hoc kinh te Quoc dan Dang Quang Due (2007), Nang cao nang luc canh tranh cua cac doanh nghiep bao hiem phi nhan tho Viet Nam qua trinh hoi nhap, truong Dai hoc Ngoai Thuong Phillip Kotler & Gary Amstrong (2012), Nguyen ly tiep thi, Nha xuat ban Lao dong xa hoi Michael E.Porter (2008), Lai the canh tranh, Nha xuat ban Tre Quoc hoi (2000), Luat kinh doanh bao hiem 10 Quoc hoi (2010), Luat sua doi bo sung mot sd dieu cua Luat kinh doanh bao hiem l.Thu tuong Chinh phu (2007), Nghi dinh so 46/2007ND-CP 27/03/2007 Quy dinh che tdi chinh doi vdi Doanh nghiep bao hiem vd doanh nghiep mdi gidi bao hiem 12 Thu tuong Chinh phu (2016), Nghi dinh so 73/2016/ND-CP 01/07/2016 13 Tong cong ty bao hiem Petrolimex, Bao cao thudng nien cac nam 2012 den 2017 97 Trang web Website cua PJICO: https://www.pHco.com, Website cua Tong cdng ty bao hiem Bao Viet: http://www.baoviet.com.vn Website cua CQLGSBH: http://www.mof.gov.vn/webcenter/portal/cqlgsbh Website cua Hiep hoi bao hiem VN: http://iav.vn/News/Item/2167/214/vi- VN/Default.aspx Website cua Tong cong ty co phan Bao Minh: http://www.baominh.com.vn Website cua Tong cong ty bao hiem PVI: http://www.baohiempvi.com.vn Trang web: http://www.webbaohiem.net Trang web: http://www.cafef.vn Trang web: http://voer.edu.vn PHU LUC 1: DANH SACH CAC CONG TY PHI BAO HIEM, MOI GIOI BAO HIEM NAM 2017 Nam TT Ten Cong ty lap CONG TY BAO HIEM PHI NHAN THO: 30 Tong cdng ty Bao hiem Bao Viet (Bao hiem Bao Viet) 1964 Tong cong ty co phan Bao Minh (Bao Minh) 1994 Tong cdng ty cd phan bao hiem Petrolimex (Pjico) 1995 Tdng cdng ty cd phan Bao hiem Bao Long (Bao Long) 1995 Tdng cdng ty Bao hiem PVI (Bao hiem PVI) 1996 Cdng ty TNHH Bao hiem Bao Viet - Tokio Marine (BVTM) 1996 Cdng ty bao hiem Lien hiep (UIC) 1997 Tdng cdng ty cd phan Bao hiem Buu dien (PTI) *> Cong ty TNHH bao hiem tdng hop Groupama Viet Nam (Groupama) 1998 10 2001 Tdng cdng ty Co phan Bao hiem Ngan hang TMCP Cdng thuong Viet Nam (Bao hiem VietinBank) 2002 11 Cdng ty TNHH bao hiem Samsung Vina (Samsung Vina) 2002 12 Cdng ty cd phan bao hiem Vien Ddng (VASS) 2003 Tdng cdng ty cd phan Bao hiem Ngan hang Dau tu va Phat trien Viet 13 Nam (BIC) 2005 14 Cdng ty cd phan bao hiem AAA (AAA) 2005 15 Cdng ty TNHH bao hiem AIG Viet Nam (AIG) 2005 16 Cdng ty Bao hiem QBE Viet Nam (QBE) 2005 17 Cdng ty cd phan bao hiem Ngan hang Nong nghiep (ABIC) 2006 18 Tdng cdng ty cd phan bao hiem Toan Cau (GIC) 2006 19 Cdng ty cd phan bao hiem Phu Hung (PAC) 2006 20 Cong ty TNHH bao hiem Liberty (Liberty) 2006 21 Cong ty TNHH bao hiem Chubb (Chubb) 2006 22 Tong cong ty cd phan bao hiem Quan doi (MIC) 2007 23 Cong ty co phan bao hiem Hang Khong (VNI) 2008 24 Tong cong ty co phan Bao hiem Sai Gon - Ha Noi (BSH) 2008 25 Cong ty co phan bao hiem Hung Vuong (BHV) 2008 26 Cong ty TNHH bao hiem phi nhan tho MSIG Viet Nam (MSIG) 2008 27 Cong ty TNHH bao hiem Fubon (Viet Nam) (Fubon) 2008 28 Tong cong ty co phan bao hiem Xuan Thanh (Xuan Thanh) 2009 29 Cong ty TNHH bao hiem phi nhan tho Cathay Viet Nam (Cathay) 2010 30 Chi nhanh Cong ty Bao hiem Bao lanh Seoul tai Ha Noi 2014 Nguon: Cue Quan ly Giam sat bao hiem Document Viewer Turnitin Bao cao Doc sang Da xd ly vao: 25-thg 12-2018 14:46 +07 ID: 1060507743 Dem Chu-: 34878 Da Nop: LV THAC SY Bdi Bich Thao Phan - Tutfng dong theo Nguon Chi so T ddng dong 16 % Internet Sources: An pham xuat ban: Bai cua Hoc Sinh: 14% 2% 8% bao aom trich dan_ bao gom muc luc tham khao loai trU trung khdp < 30 td ▼ tai ve in che do: Bao cao quickview (cach kinh diin) ▼ 3% match (Internet tU 16-thg 5-2018) http://www.zbook.vn 2% match (Internet tU 09-thg 11-2010) http://nhaauanlv.vn 1% match (Internet tU 25-thg 7-2018) https://iluanvan.com/khai-niem-canh-tranh/ 1% match (Internet tU 22-thg 12-2014) http://www.tailieudoc.net 1% match (Internet tU 11-thg 1-2013) http://baohiem.pro.vn