Phân tích hiệu quả kinh doanh của tổng công ty bảo hiểm ngân hàng đầu tư và phát triển việt nam

TRUONG DAI HOC KINH rf QU dong dau tu mang tinh chat lau dai, nd vira quang ba cho ten tuoi cua BIC, vua mang lai nhung hieu qua xa hoi thiet thuc + Cho vay tai san the chap: Ddi vdi hoat dong dau tu nay, DNBH cd the thu duoc loi suat dau tu cao lai suat cho vay cua loai hinh dich vu thudng cao Tuy nhien, loai hinh dau tu chi phu hop thoi ky kinh te on dinh, thudng ap dung doi vdi nhung khach hang than thiet ma DNBH da hieu rd ve uy tin va tiem luc tai chinh, gia tri tai san cho vay phai thap hon so vdi kha nang tra no cua khach hang 85 3.3.4 Mot so gidiphap chung khac a Nang cao nang lux canh tranh Mot thuc te cho thay la DNBH tap trung vao md rong quy md, thi phan, mo rong dia ban hoat dong mot each nhanh chong thi bo may to chuc thuong bi cong kenh, dan den nhtrng van de kem hieu qua viec su dung cac loai chi phi Do muc tieu truoc mat la md rong quy md nen DNBH chua the tap trung nhieu vao chat luong duoc Hoat dong da keo theo mot loat cac van de nhu tuyen dung them can bo; md them van phdng dai dien, chi nhanh; lap them nhtrng don vi hoat dong cd lien quan (bo phan dau tu, bo phan quan ly quy ) chua co su sang loc chat che Nang luc mot sd can bo cdn yeu kem se dan den nhtrng van de kem hieu qua Mat khac, nang lire tai chinh cua BIC thdi gian qua da cd nhtrng cai thien dang ke, nhien chua the so sanh cung cac tap doan bao hiem nude ngoai Do vay, can cd mot he thong giai phap tong the de nang cao nang lire canh tranh cho BIC: - Nang cao nang luc tai chinh bang each huy dong vdn thong qua kenh thi trudng chung khoan Do cung la xu the chung cua tat ca cac doanh nghiep thdi ky md cura Chi cd qua kenh thi trudng chung khoan, DNBH mdi duoc nhieu day Thuc te da duoc chung minh qua sir cong cua PVI, Bao Viet Md rong ngudn vdn, BIC cd the nang cao kha nang nhan bao hiem va muc giu lai, tir nang cao hieu qua sir dung vdn - Cu cau lai to chuc bo may quan ly, giam bdt thu tuc hanh chinh d cac khau trung gian Chu y den nang suat lao dong cua cac nhan vien thuoc cac khau trung gian nay, giam bdt nhung nhan sir lam viec khong hieu qua - Nang cao nang luc va trinh chuyen mon TBH, xay dung va md rong cac mdi quan he doi tac lau dai, tin cay vdi cac DNBH nude va DNBH nude ngoai 86 - Ung dung va phat trien cong nghe thong tin moi hoat dong la mot nhung giai phap duoc chu hang dau de nang cao nang suat lao dong, nang cao kha nang quan ly va giam su cong kenh cua bo may Khong chi can thiet phai xay dung trung tam quan ly va xu ly du lieu, DNBH phai khong ngung hien dai hoa cac phan mem hien huu phuc vu cho viec tinh phi, cap don, quan ly hop dong, quan ly dai ly, phat trien kenh phan phoi qua internet Cong nghe la vu tao nen tinh dot pha canh tranh - Day manh viec xay dung thuong hieu va uy tin doanh nghiep bang cach thuc hien tot cac cong tac dich vu trudc va sau ban hang, quang ba hinh anh doanh nghiep, san pham va nang cao hieu biet cua dan cu ve bao hiem b Cai thien va nang cao chat luong nguon nhan luc Khong ngung nang cao chat luong nguon nhan luc la muc tieu cua bat ky doanh nghiep nao qua trinh phat trien Dg cai thien va nang cao chat luong nguon nhan luc bao hiem, luan van xin dua mot so giai phap sau: - To chuc cac khoa dao tao ky nang lanh dao, quan ly cho cac can bo quan ly Cac khoa dao tao duoc to chuc phu hop vdi tung ldp doi tuong can bo quan ly khac - Coi va co nhung uu dai nham thu hut lao dong co trinh - Dau tu dao tao bai ban cho cac can bo chu chot di kem vdi cac dieu kien rang buoc lam viec cho doanh nghiep Tranh tinh trang sau duoc dao tao xong nhung can bo lai chuyen cong tac dan den ton that ve chi phi dao tao, chi phi tuyen ngudi thay the, gay gian doan quy trinh kinh doanh - Dau tu dao tao dinh phi vien Dinh phi vien giu mot vai tro khong the thieu quy trinh giam dinh, boi thudng cua DNBH Trong do, so dinh phi vien nudc it, nang luc han che, neu thue dinh phi vien nudc ngoai se day chi > r r phi len cao Do vay, DNBH phai tu dau tu dinh phi vien la xu hudng tat yeu - Can to chuc cac khoa dao tao bai ban cho doi ngu dai ly bao hiem Thuc te hien la cac khoa dao tao dai ly thi ngan kien thuc thi nhieu, khong 87 chuyen tai dugc het nen chat luong dai ly yeu kem Do vay, can nang cao chat luong dao tao dai ly Vdi nhung thay ddi cua van ban phap luat va chinh sach bao hiem, DNBH nen to chuc cac ky thi dinh ky nham danh gia, nang cap dai ly, dieu cung dat yeu cau ddi vdi cac dai ly phai khong ngirng trau ddi kien thuc, nang cao trinh Dai ly la nhung ngudi true tiep di khai thac bao hiem, nen van de dao due nghe nghiep luon la van de phai nhan manh dau tien noi dung dao tao c Nang cao chat lirong cong tac thong ke va xay dung mang Iirdi ket noi thong tin giua cac doanh nghiep Day la cong tac ma cac DNBH hien khong may chu nhung lai giu vai tro then chot lien quan den viec dinh phi, du bao thi trudng va phong chong true lgi bao hiem Kinh nghiem cua cac DNBH ldn tren the gidi cho thay, cong tac thong ke la chia khoa giup DNBH cd the dinh phi mot each hgp ly, tu day dua cac san pham canh tranh; la co sd de lam tot cong tac danh gia rui ro va de phong han che ton that; dua ty le va muc phi trich lap du phdng phu hgp De thuc hien tot cong tac nay, DNBH can: - Thanh lap bo phan thong ke tai DNBH Bo phan dugc to chuc tai hoi sd va chuyen trach ve cong viec thong ke, phan tich cac hgp dong bao hiem tren toan he thong - Thong ke thong tin khach hang, tinh hinh ton that, xac suat xay ton that doi vdi timg loai ddi tugng khach hang, timg san pham bao hiem cu the, Thong tin phan tich dugc cap nhat thudng xuyen va theo doi theo qua trinh Cac san pham thong ke dugc dua hang thang, quy, nam va lam tu lieu tham chieu cho cac phong ban khac - Lap ngan hang du lieu ve khach hang nham quan ly khach hang tot nhat va phuc vu cho cong tac cham soc khach hang cung nhu phong tranh true lgi bao hiem - Thiet lap mang thong tin lien nganh trao ddi thong tin giua cac DNBH Tuy nhien, de thuc hien bien phap can phat huy vai tro cua Hiep hoi Bao hiem Viet Nam va su dong long cua cac DNBH tham gia 88 3.4 Kien nghi Tren day la nhung giai phap nham nang cao hieu qua hoat dong kinh doanh cua BIC thai gian tdi Tuy nhien, de co the thuc hien cong cac giai phap tren, ngoai nhung no luc khong ngung cua ban than doanh nghiep, can co su ho tra, tao dieu kien ve chinh sach cua Nha nudc, cua nganh, cung nhu nhung thuan lai tu moi truang kinh te chung Chinh vi vay, luan van xin dua mot so kien nghi sau: 3.4.1 Ve phia Nha marc - Nha nudc dua nhung chinh sach kinh te giup on dinh kinh te vi mo On dinh kinh te vi mo la dieu kien tien quyet dau tien giup cho su phat trien cua DNBH La mot nhung loai hinh doanh nghiep tai chinh, chiu anh huong theo nhung bien dong cua nen kinh te chung, chi kinh te vi mo on dinh DNBH mdi co the phat trien on dinh, ben vung duac Di tu khau khai thac, kinh te on dinh, khach hang mdi co dieu kien tham gia bao hiem nhieu han, kha nang xay rui ro it han nen ty le phai boi thuang se it han; khau dau tu cung it xay thua lo han Hien nay, nen kinh te chung toan cau cung nhu Viet Nam dang chu ky khung hoang tu nam 2008 va chua the phuc hoi Lam phat, gia ca tang cao lam dai song nguai dan kho khan Doi vdi cac DNBH, hoat dong dau tu kho khan, gay dong von phai trich lap du phong ldn Chinh phu da va dang co nhung bien phap quyet liet nham on dinh nen kinh te chung, giup nen kinh te dan phuc hoi - Hoan thien he thong phap luat lien quan den hoat dong KDBH Co the noi thai gian qua Nha nudc ta cung da rat chu den viec xay dung va hoan thien he thong luat phap Tuy nhien, doi vdi hoat dong KDBH la mot linh vuc cdn non tre cua Viet Nam; mat khac, tu nhap WTO nam 2007, thi truang bao hiem Viet Nam da tang len tdi 52 doanh nghiep, nen can thiet co su tang cuang quan ly cua Nha nudc doi vdi mang kinh doanh He thong van ban phap luat can co su dieu chinh kip thai de phu hop vdi quy mo, toc phat trien va dieu kien cu the cua thi truang Viet Nam - ve quan ly Nha nudc, can dan gian hoa thu tuc hanh chinh, giup kich thich su canh tranh phat trien lanh manh cua thi truang 89 Can dam bao khong xay tinh trang quan lieu hoat dong kiem tra, giam sat cac DNBH Ap dung cac chuan muc quoc te quan ly hoat dong KDBH Hoc hdi va trao doi kinh nghiem quan ly, thong tin vdi co quan quan ly cac nudc - Tao moi trudng canh tranh lanh manh cho cac doanh nghiep Nha nudc can tao moi trudng canh tranh binh dang cho cac DNBH thong qua he thong chinh sach quy dinh chung Can co nhung bien phap xu phat nghiem khac vdi nhung DNBH, dai ly bao hiem vi pham Luat kinh doanh bao hiem Dac biet la tinh trang hien cac DNBH canh tranh bang cach giam phi bat chap khung phi da quy dinh cua Bo Tai chinh Giam phi xuong qua thap co the dan den tinh trang phi thu duoc khong du de chi tra tien boi thudng, DNBH khong du kha nang toan, anh hudng xau den loi ich cua khach hang va xa hoi - Xay dung moi quan he giua co quan quan ly va doanh nghiep tren tinh than hop tac, tich cuc Han che su can thiep truc tiep cua Nha nudc vao hoat dong kinh doanh cua DNBH, tao quyen chu dong cho doanh nghiep Hoat dong kiem tra giam sat phai dam bao tinh khach quan, trung thuc va cong khai hoa 3.4.2 Ve phia nganh Ve phia nganh can phat huy hon nua vai tro cua Hiep hoi bao hiem Viet Nam - Hiep hoi bao hiem la to chuc xa hoi, giu vai tro trung gian moi quan he tong the giua co quan quan ly, DNBH va khach hang Vi vay, thdi gian tdi, Hiep hoi bao hiem can tham muu cho cac co quan quan ly Nha nudc viec ban hanh, sua doi Luat va cac van ban dudi luat lien quan den linh vuc bao hiem nham dap ung kip thdi yeu cau hoi nhap - Hiep hoi bao hiem cung can phat huy tac dung viec dung hoa giua loi ich cua cac DNBH vdi loi ich cua khach hang Khuyen cao cac doanh nghiep co cac hoat dong kinh doanh lanh manh, loai bd cac hoat dong canh tranh khong lanh manh; lien ket cac doanh nghiep viec doi vdi tinh trang truc loi, thieu a A r r r nguon nhan luc; la cau noi lien ket giua cac DNBH tao he thong co sd du lieu, thong tin chung 90 KET LUAN Nang cao hieu qua kinh doanh la yeu cau doi vdi bat ky doanh nghiep nao tren dudng de dat muc tieu toi da hoa loi nhuan Doi vdi DNBH cung vay, nhat la thi trudng bao hiem Viet Nam cang md cua va co tinh canh tranh gay gat nhu hien Vdi muc dich danh gia thuc trang hieu qua hoat dong kinh doanh cua DNBH, luan an da he thong hoa va lam ro cac van de ly luan lien quan den bao hiem va hoat dong kinh doanh bao hiem He thong chi tieu danh gia hieu qua kinh doanh cua cac DNBH la mot nhung co sd ly luan quan - “ xuong song ” cua ban luan an Cac chi tieu duoc xay dung mot cach he thong giup ngudi nghien cuu co the de dang danh gia hieu qua kinh doanh cua DNBH Bang nguon tai lieu thong ke cap nhat va phong phu ket hop vdi he thong chi tieu duoc xay dung d chuong 1, qua phan tich luan van da lam ro cac mat hieu qua, cac mat chua hieu qua hoat dong kinh doanh cua Tong Cong ty bao hiem Ngan hang Dau tu va Phat trien Viet Nam Tren co sd cac phan tich danh gia tai chuong 2, cung vdi viec phan tich nhung nhan to tac dong den hoat dong kinh doanh cua doanh nghiep, luan van da xay dung ba nhom giai phap: Cac giai nang cao hieu qua kinh doanh chung; Cac giai phap nang cao hieu qua kinh doanh theo linh vuc hoat dong; va cac giai phap chung khac - la he thong giai phap giup nang cao hieu qua kinh doanh cua Tong Cong ty bao hiem Ngan hang Dau tu va Phat trien Viet Nam thdi gian tdi 91 DANH MUC TAI LIEU THAM KHAO • • Nguyen Van Dinh (2005), Bai giang mon hoc Tai bao hiem, Truong Dai hoc Kinh te quoc dan Ha Noi Nguyen Van Dinh (2008), Giao trinh bao hiem, NXB Dai hoc Kinh te quoc dan Nguyen Van Dinh (2009), Giao trinh Quan tri kinh doanh bao hiem, NXB Dai hoc Kinh te quoc dan Nguyen Van Cong (2009), Giao trinh Phan tich kinh doanh, NXB Dai hoc Kinh te quoc dan Tdng Cong ty bao hiem NHDT&PT Viet Nam (2011), Bao cao thudng nien nam 2010 Tong Cong ty bao hiem NHDT&PT Viet Nam (2010), Bao cao thudng nien nam 2009 Tong Cong ty bao hiem NHDT&PT Viet Nam (2009), Bao cao thudng nien nam 2008 Tong Cong ty bao hiem NHDT&PT Viet Nam (2008), Bao cao thudng nien nam 2007 Tong Cong ty bao hiem NHDT&PT Viet Nam (2007), Bao cao thudng nien nam 2006 10 Tong Cong ty bao hiem NHDT&PT Viet Nam (2011), Bao cao tai chinh kiem toan nam 2010 11 Tong Cong ty bao hiem NHDT&PT Viet Nam (2010), Bao cao tai chinh kiem toan nam 2009 12 Tong Cong ty bao hiem NHDT&PT Viet Nam (2009), Bao cao tai chinh kiem toan nam 2008 13 Tong Cong ty bao hiem NHDT&PT Viet Nam (2008), Bao cao tai chinh kiem toan nam 2007 14 Tong Cong ty bao hiem NHDT&PT Viet Nam (2007), Bao cao tai chinh kiem toan nam 2006 15 Tong Cong ty bao hiem NHDT&PT Viet Nam http://bic.vn