Phân tích các nhân tố ảnh hưởng đến hoạt động bancassurance tại bảo việt nhân thọ

J TRUONG DAI HOC KINH TE QUOC DAN SQS0OG8O7 ' NGUYEN THI NHU QUYNH DAI HOC K.T.Q.D TT THONG TIN THU’VIEN PHONG LUAN AN -TVLIEU PHAN TICH CAC NHAN TO ANH HUONG DEN HOAT DONG BANCASSURANCE • • TAI BAO VIET NHAN THO• • • Chuyen nganh: KINH TE BAO HIEM LUAN VAN THAC SY KINH TE • • Ngudi huong ~ “ dan khoa hoc: • TS PHAM THI• DINH • • -[>13 ^03^9 HA NOl, NAM 2014 :il LOI CAM DOAN Toi xin cam doan day la cong trinh nghien cuu doc lap cua toi Nhung tai lieu luan van la hoan toan trung thuc Cac kit qua nghien cuu chinh toi thuc hien duoi su hudng dan cua giao vien huong din TS Pham Thi Dinh Nguyen Thi Nhir Quynh CONG HOA XA HOI CHU NGHIA VIET NAM Doc lap-Tu do-Hanh phuc Ha Noi, 01 thang 12 nam 2014 NHAN XET PHAN BIEN • • LUAN VAN THAC SI • • - Ten De tai: “Phan tieh cac nhan to anh hudng den hoat dong baneassuarance tai Bao Viet Nhan Tho” - Hoc vien cao hoc: Nguyen Thi Nhu Quynh - Ma hoc vien: CH200203 - Chuyen nganh: Kinh te bao hiem - Nguai nhan xet: TS Tran SI Lam - Co quan cong tac: Dai hoc Ngoai thuong NOI DUNG Tinh cap thiet cua De tai Bancassurance la kenh phan phoi san pham bao hiem thong qua cac ngan hang Thai gian qua viec su dung kenh phan phoi tai Bao Viet Nhan Tho da thu dune nhung cong nhung cung cdn ton tai mot so bat cap nhat dinh De nang cao hieu qua hoat dong phan phoi san pham va canh tranh hon tren thi truang bao hiem nhan tho, Bao Viet Nhan Tho rat can phan tich ro cac nhan to anh huong den hoat dong bancassurance, tren co so co nhung giai phap phu hap hieu qua hon thai gian tai Chinh vi vay theo y kien toi, De tai Luan van Thac si ma Hoc vien Nguyen Thi Nhu’ Quynh lua chon nghien cuu co y nghia cap thiet doi vai Bao Viet Nhan Tho Tuy nhien theo y kien toi, ten De tai co the chua thuc su phan anh het Muc tieu nghien cuu cua De tai Vdi ten De tai nhu hien tai, Muc tieu nghien cuu coi nhu da ket thuc hoan Chuong 2, nhung xac dinh cac giai phap phat trien hoat dong bancassurance tai Bao Viet Nhan Tho thoi gian toi moi la Muc tieu chinh cua Luan van Ve sir phu hop ve Chuyen nganh va su* trung lap cua De tai De tai hoan toan phu hop vdi Chuyen nganh Kinh te bao hiem va khong trung ldp vdi cac De tai Luan van Thac si trudc day ma toi duoc biet •' ’ Ve hinh thuc va bo cuc cua Luan van Luan van duoc trinh bay sach dep, it loi che ban vdi 15 Bang, 10 So dd, Hinh ve va 04 Phu luc so luong Bang, Hinh ve, So va Phu luc nhu vay la tuong doi phong phu lam cho cac phan tich danh gia cua Luan van thuyet phuc hon Tuy nhien, Luan van chua thay nhieu trich dan Theo y kien toi, Tac gia nen ghi ro hon trich dan theo quy dinh de dam bao tinh tin cay, xac thuc cua ly luan, lap luan, thong tin, du lieu, cung nhu ton tac quyen Chuong (68 trang) co quy mo ket cau tuong doi ldn so vdi Chuong 3(17 trang) Ve noi dung - Chu’O'ng 1: Khai quat chung ve bancassurance kinh doanh bao hiem nhan tho Trong Chuong nay, Luan van da trinh bay duoc cac noi dung ly thuyet co ban ve bancassurance kinh doanh bao hiem nhan tho nhu: khai mem, uu nhuoc diem, cac mo hinh cung nhu cac nhan to anh hudng tdi hoat dong bancassurance Day la cac ly thuyet co ban giup Luan van co sd ly thuyet giai quyet cac muc tieu nghien cuu Chuong va Chuong Tuy nhien toi co mot so y kien trao doi nhu sau vdi Tac gia: (i) Luan van chua thuc su lam ro dac trung ve bancassurance kinh doanh bao hiem nhan tho Thuc te la Chuong 1, Luan van chi dung d gidi thieu ve bancassurance kinh doanh bao hiem noi chung (ii) Noi dung 7.4.3 vesu d ung und hinh PES T vS SWOT khonk can dua vao Luan van vi day la kien thuc co ban (iii) Bai hoc kinh nghiem ch o Vi et Nam trang 32-33 qua so sai va cung khong gan thiet phai xay dung noi dung - - Chuffng 2: Phan tich cac nhan to anh huffng den hoat dong bancassurance tai Bao Viet Nhan Tho (giai doan 2007-2013) Trong Chuang Luan can da gidi thieu dung thug trang hoat dong bangassurange tai Bao Viet Nhan Thk ca phan tigh gag nhan to anh hubng den hoat dong bangassuarnge tai Bao Viet Nhan Thk theo Mo hinh PEST ca SWOT Dag biet, toi danh gia gao noi dung phan tigh theo Mo hinh PEST, Luan can trinh-biy rat sau ca ghi tiet ghung to nang lug, su go gang ca hieu biet sau sag gua Hog cien ce can de nghien guu Tuy nhien toi go mot so y kien trao doi nhu sau cdi Tag gia: (i) Noi dung 2.3.5 nen lam ro hon hieu qua hoat dong bangassurange tai Bao Viet Nhan Thk theo quan diem so sanh cdi gag kenh phan phoi khag gung nhu yai tro, ty le gua kenh phan phoi Theo toi hieu, noi dung mdi ghi phan anh dung su phat trien gua kenh phan phoi bangassurange giai doan 3007-3013 (ii) Ve mug di'gh nghien guu cieg ap dung Mo hinh PEST hay Mo hinh SWOT ghi la hai gagh tiep gan khag ce gag nhan to anh huong den hoat dong bangassurange gua Bao Viet Nhan Thk Theo y kien toi de tranh trung lap ghi gan ghkn phan tigh gag nhan to anh huong theo Mo hinh la du (hi) Luan can phan tigh rat sau gag nhan to anh huong theo Mo hinh PEST gon noi dung phan tigh theo Mo hinh SWOT thi so sai hon Tuy nhien, thug te ket qua noi dung phan tigh theo Mo hinh PEST lai khong ket noi nhieu cdi gag giai phap Mug 3.3 gua Chuong Dieu dat can de y nghia gua cieg phan tigh theo Mo hinh PEST la khong ro rang - Chu ffng 3: Giai phap va kien nghi de phat trien hoat dong bancassurance tai Bao Viet Nhan Tho Trong Chuong Luan can da de xuat dung nhom giai phap ce phia Bao Viet Nhan Thk ca nhom kien nghi nhaim phat trien hoat dong bangassurange gho Bao Viet Nhan Thk thoi gian tdi Toi danh gia gao gag giai phap ca kien nghi gua Luan can Tuy nhien toi gung go mot so y kien trao doi nhu sau cdi Tag gia: (i) Noi dung trinh bay ce dinh hudng phat trien hoat dong bangassurange tai Bao Viet Nhan Thk ghua that su ro rang Neu go so dat Mug tieu Ya dinh hudng gua Muc tieu bancassurance cua Bao Viet Nhan Tho chua ro rang thi cac giai phap huong toi Muc tieu kho vung vang - (ii) Hai kien nghi Muc 3.4 chua ro duoc xay dung tren co so nao, ve nguyen tac cac kien nghi phai nam cua Ma tran SWOT cua Muc 3.3 (iii) Cac giai phap Muc 3.3 va 3.4 chua that su ro rang Nen xay dung cac giai phap va kien nghi cu the ro rang hon Vi day moi la Muc tieu nghien cuu can dat duoc cua De tai Ket luan ■' ’ Tuan van cua Hoc vien Nguyen Thi Nhu' Quynh hoan toan dap ung yeu cau Luan van thac si Chuyen nganh Kinh te bao hiem De nghi Hoi dong cho phep Hoc vien duoc bao ve ket qua nghien cuu cua minh XAC NHAN CUA CO QUAN NGUOI VIET NHAN XET TS Tran Si Lam TRUONG PHONG TO CHUC HANH CHiNH To (hif VUMth iscMWl CAU HOI Cau 1: Hien Bao Viet Nhan Tho dang su dung Mo hinh bancassurance nao mo hinh ly thuyet nhu Muc 1.3 cua Chuong 1? Mo hinh nao dang ap dung cong va mo hinh nao chua ap dung cung nhu khong the ap dung cho Bao Viet Nhan Tho? Giai thich? Cau 2: So sanh tuong doi hieu qua cua kenh phan phoi bancassurance so voi cac kenh phan phoi khac cua Bao Viet Nhan Tho? Giai thich? Cau 3: Nhan to anh huong tieu cuc nhat den hoat dong bancassurance cua Bao Viet Nhan Tho thdi gian toi la gi? Giai phap khac phuc cua Luan van la gi? CONG HOA XA HOI CHU NGHIA VIET NAM Doc lap - Tir - Hanh phuc *** NHAN XET LUAN VAN THAC SY KINH TE • • • De tai: Phan tich cac nhan to anh hirong den hoat dong Bancassurance tai Bao Viet Nhan tho Chuyen nganh: Kinh te bao hiem Hoc vien: Nguyen Thi Nhir Quynh Phan bien PGS.TS Nguyen Van Dinh Dai hoc Kinh te Qudc dan Sau doc ban luan van nay, chung toi co nhan xet: Tinh cap thiet cua de tai nghien cuu Hoat dong kinh doanh BHNT tren thi truong Viet Nam hien luon chiu sdc ep canh tranh gay gat tur phia cac DNBH co 100% von nude ngoai Bao Viet Nhan tho la cong ty nhat cua Viet Nam, vl the sue ep canh tranh lai cang 1cm cd horn 10 DNBH nude ngoai biia vay De ton tai va phat trien thi viec tim kiem nhung kenh phan phoi san pham mdi, cd hieu qua hon la van de luon dupe dat Trong do, kenh phan phoi Bancassurance la mot kenh phan phoi san pham mdi dupe phat trien kha nhanh d cac nude Chau Au va Bao Viet Nhan tho cung da nghien cuu ap dung dupe mot so nam gan day Tuy nhien, hoat dong cua kenh phan phoi van chua thuc su phat trien, boi chiu nhieu nhan to anh hudng Chfnh vi the, tac gia chon de tai de nghien cull la rat thuc te De tai cd y nghia ly luan va thuc te cao Ket qua dat dupe cua ban luan van: a Tac gia da he thong hoa va lam ro khai niem, su can thiet khach quan cua Bancassurance hoat dong kinh doanh BHNT, nhung uu diem va han che cua no Dong thdi da trinh bay co he thong mo hinh Bancassurance da va dang ton tai tren the gidi hien Day la noi dung can thiet mang tinh ly luan nen tang cho de tai nghien curu b Noi dung chu yeu cua chuong nAm d muc 1.4 (tir trang 16 - 27) la: cac nhan to anh huong den hoat dong Bancassurance Tac gia chia nhom la: cac nhan to ben va cac nhan to ben ngoai Sau su dung mo hinh PEST va SWOT danh gia cac nhan to anh huong Van de cung da duoc de csip d mot so cong trinh nghien cun khac Song, vdi ban luan van nay, no van co nhung net mdi dupe kham pha va trinh bay rd rang hon c Cung chuong 1, tac gia tham khao, nghien cuu Bancassurance o mot so nude chau A va chau Au, sau rut mot s bai hoc cho Viet Nam Day cung la noi dung rat dang tran d Sau gidi thieu khai quat ve Bao Viet Nhan tho, luan van da phan tich va danh gia thuc trang hoat dong Bancassurance d Bao Viet Nhan tho nhung nam vira qua Noi dung danh gia, phan tich lien quan den ca qua dat dupe Nguon so lieu su dung phan tfch phong phu, cap nhat Phuong phap phan tich phu hop va tin cay Thanh cong cua chuong II cung nhu cua ca ban luan van la tac gia da sir dung ca mo hinh PEST va SWOT da trinh bay d chuong I de van dung danh gia, phan tich cac nhan to anh huong den hoat dpng Bancassurance d Bao Viet Nhan tho Ket qua danh gia, luan van da tim nhung nhan to chu yeu, nhung co hoi, thach thuc cung nhu nhung diem manh, diem yeu cua Bao Viet Nhan tho hoat dong Bancassurance Chung toi hoan toan dong tinh ca vd phuong phap danh gia cung nhu ket qua ban luan van e Tren co so phan tich, danh gia d chuong II, tac gia da de xuat nhom giai phap de nang cao hieu qua hoat dong Bancassurance d Bao Viet Nhan tho thdi gian tdi Thiet nghi, day la nhom giai phap kha ro rang, cu the va co tinh kha thi rat cao Hy vong rang, Bao Viet Nhan tho se xem xet, nghien curu va ap dung thuc te Bo cu luan van: Hop ly, logic va chat che Trinh bay dep, van phong sang sua Nhung van de can trao doi a Khi trinh bay khai niem ve Bancassurance, nen trinh bay ro, theo hudng chung nhat, khong nen trinh bay khai niem Bancassurance BHNT (trang 3) b Sau trinh bay kinh nghiem trien khai Bancassurance o mot s nuCc chau A, chau Au, tac gia co rut tfa bai hoc kinh nghiem cho Viet Nam Theo chung toi, noi dung kha chung chung, chua ro Can rut bai hoc cho chfnh Bao Viet Nhan tho Tham chi rut kinh nghiem ve hoat dong Bancassurance cua cac doanh nghiep BHNT nucc ngoai tai Viet Nam (nhu: Prudential, AAI ) c Bang 2.5 (trang 46) nen trinh bay bang cac so cu the, khong can phai lap bang d Phdn kien nghi vdi nha nuCc viet chung chung Nen kien nghi nhung van de sat thuc vCi co quan quan ly nha nuCc e Mot so so chua the hien ro moi lien he bang cac mui ten cu the (trang 52, 38) Ket luan Day la ban luan van duoc nghien cuu cong phu, nghiem tuc va co chat i.-_ a _ãằ:ô' -a ô i a_ ,a„ lUOllg iviav uu wil uo mui sv vuivni van uav uui, svng nan iuan van van nap ting duoc yeu cau cua mot luan van thac sy kinh te' Tac gia xUng dang duoc nhan hoc vi thac sy kinh te - chuyen nganh kinh te bao hiem, neu bao ve cong Ha Noi, 28 thang 11 nam 2014 Phan bien PGS.TS Nguyen Van Dinh YEU CAU CUA HOI VAN THAC SI VE • DONG CHAM LUAN • • Nhung diem can sua chua bo sung trubc nop luan van chinh thuc cho Vien dao tao SDH * ' C.huicK^ A - .Tiny "u t-i Cum ••; j cuw -'X * Jkx* k ,