Phân tích hoạt động đầu tư của tổng công ty bảo hiểm ngân hàng đầu tư và phát triển việt nam

TRLfdNG DAI HOC KINH rf QU(5c DAN - DAI HOC KTQD TT THONG TIN TH If VIEN PHONG LUAN AN • TV LIEU DUONG XUAN HA PHAN TICH HOAT DONG DAU TIT CUA TONG CONG TY ■ ■ DAO HIEM NGAN HANG DAU TUVA PHAT TRIEN VIET NAM CHUYfiN NGANH: KINH Tt- BAO HlfiM LUAN VAN THAC SY KINH TE 77/S, 655^ NGCOI IKJONG DAN KHOA HOC:TS PHAM THI DINH MUC LUC • • DANH MUC CAC TU VIET TAT DANH MUC BANG BIEU, SO DO TOM TAT LUAN VAN MO DAU CHVONG 1: NHUNG VAN DE CO BAN VE HOAT DONG DAU TO CUA DOANH NGHIEP BAO HIEM 1.1 Hoat dong kinh doanh cua doanh nghiep bao hiem 1.1.1 Lich su hinh va phat trien cua bao hiem 1.1.2 Phan loai bao hiem 10 1.1.3 Doanh nghiep bao hiem 12 1.2 - Hoat dong dau to cua doanh nghiep bao hiem 20 1.2.1 Su can thiet va vai tro cua hoat dong dau tu doanh nghiep bao hiem 20 1.2.2 Nguon von dau tu cuadoanh nghiep bao hiem 22 1.2.3 Cac nguyen tac dautu cua doanh nghiep bao hiem 23 1.2.4 Cac lTnh vuc dau tu cua doanh nghiep bao hiem 26 1.2.5 Cac chi tieu danh gia hoat dong dau tu cua doanh nghiep bao hiem 34 1.3 Cac nhan to anh huong to'i hoat dong dau to cua doanh nghiep bao hiem 36 1.3.1 Cac nhan to chu quan 36 1.3.2 Cac nhan to khach quan 40 r > CHVONG 2: THUC TRANG HOAT DONG DAU TV TAI TONG CONG TY BAO HIEM NGAN HANG DAU TV VA PHAT TRIEN VIET NAM 43 2.1 Gioi thieu chung ve Tong cong ty Bao hiem Ngan hang Dau to va Phat trien Viet Nam 43 2.1.1 Lich su hinh va phat trien 43 2.1.2 Co cau to chuc hoat dong kinh doanh 45 2.1.3 Cac hoat dong kinh doanh cua BIC 47 2.1.4 Nhung thuan lai vakho khan cua BIC 51 2.2 Thye trang hoat dong dau tu- tai Tong Cong ty Bao hiem Ngan hang Dau tir va Phat trien Viet Nam 55 2.2.1 To chuc hoat dong dau tu 55 2.2.2 Phan ti'ch hoat dong dau tu cua Tong Cong ty Bao hiem Ngan hang Dau Tu va Phat trien Viet Nam 59 2.3 Danh gia hoat dong dau tir cua BIC 66 2.3.1 Nhung edng 66 2.3.2 Nhung han che va nguyen nhan 71 CHUONG 3: GIAI PHAP PHAT TRIEN HOAT DONG DAU TU TAI TONG CONG TY BAO HIEM NGAN HANG DAU TU VA PHAT TRIEN VIET NAM 3.1 77 Dinh huong phat trien cua Tong Cong ty Bao hiem Ngan hang Dau tir va Phat trien Viet Nam den nam 2014 77 3.2 Giai phap phat trien hoat dong dau tir .78 3.2.1 Cac giai phap tang quy mo von dau tu 78 3.2.2 Xay dung co cau dau tu phu hop vdi tinh chat cua tung nguon von 84 3.2.3 Da dang hoa danh muc dau tu .84 3.2.4 Hoan thien co cau to chuc hoat dong dau tu 90 3.2.5 Xay dung va dao tao doi ngu can bo dau tu co nang luc 90 3.2.6 Hoan thien va doi moi phuong phap thu thap va luu tru thong tin 91 3.2.7 Tang cudng khai thac, ung dung cong nghe hien dai 91 3.3 Mot so kien nghi 92 3.3.1 Ve phia nha nude 92 3.3.2 Ve phia bo tai chinh 94 3.3.3 Ve cac nganh lien quan 94 KET LUAN 95 TAI LIEU TH AM KHAO 97 PHU LUC 98 DANH MUC • CAC TU VIET TAT BIC Tong Cong ty bao hiem Ngan hang Dau tu va phat trien Viet Nam BIDV Ngan hang Dau tu va Phat trien Viet Nam TCTD To chuc tin dung DANH MUC BANG BIEU, SO DO BANG Bang 1.1: Han mure dau tu tir von nhan roi tu du phong nghiep vu bao hiem doi voi doanh nghiep Bao hiem phi nhan tho 41 Bang 2.1: Nguon von dau tu cua BIC giai doan 2008 - 2010 59 Bang 2.2: Gia tri dau tu thuc te cua BIC giai doan 2008 - 2010 60 Bang 2.3: Hieu suat su dung von dau tu cua BIC 2008 -2010 60 Bang 2.3: Ti cua tung khoan muc dau tu thuc te cua BIC giai doan 2008 -2010 61 Bang 2.4: Doanh thu hoat dong dau tu cua BIC (giai doan 2008 - 2010.) 64 Bang 2.5: Lai suat dau tu cua BIC giai doan 2008 -2010 66 Bang 2.6: Kha nang toan cua BIC (giai doan 2008 - 2010) 67 SO BO So 2.1: Co cau to chuc cua BIC 45 So 2.2 : To chuc hoat dong dau tu cua BIC 57 TRUING BAI HOC KINH Tfi' QU6c dAn DUONG XUAn HA x _■ *** sx r ^ x PHAN TICH HOAT DONG DAU TD CUA TONG CONG TY _ XX X X BAO HIEM NGAN HANG DAU TD VA PHAT TRIEN VIET NAM CHUYfiN NGANH: KINH rf BAO H^M TOM TAT LUAn VAN THAC SY • HA NOI - 2011 • i MO DAU Trong mot thoi ky dai tren the gidi, hoat dong dau tu cua cac cong ty bao hiem chi nhu la mot hoat dong bo tro nham gia tang them loi nhuan ngoai phan loi nhuan tu hoat dong bao hiem Tuy nhien nay, dau tu da tro mot hoat dong het suc quan trong, khong the tach roi hoat dong cua cong ty bao hiem Tren co so hieu qua cua hoat dong dau tu, cOng ty co the giam phi bao hiem nham thu hut nhieu hon cac khach hang tham gia bao hiem va la mot nhung giai phap huu hieu de tranh gianh thi phan tren thi truong bao hiem canh tranh het suc khoc liet Tong cong ty bao hiem Ngan hang Dau tu va Phat trien Viet Nam lap va hoat dong chua lau tren thi truong bao hiem Viet Nam nhung qua trinh phat trien cua no da thu duoc nhung ket qua kha quan va tung budc khang dinh vi the cua minh tren thi truong Bao hiem Viet Nam Ben canh hoat dong chinh la hoat dong bao hiem thi hoat dong dau tu la mot hoat dong thu duoc ket qua kha, gop phan khdng nhd vao ket qua hoat dong kinh doanh cua Tong Cong ty thoi gian qua Chinh vi vay de tim hieu hoat dong tai Tong Cong ty bao hiem Ngan hang Dau tu va phat trien Viet Nam dien nhu the nao, hieu qua cua no sao, nhung uu diem va nhuoc diem cua no, qua nang cao hon nua hoat dong dau tu tai day, vi vay tac gia da chon de tai: “Phan tfch hoat dong dau tu cua Tong Cong ty Bao hiem Ngan hang Dau tu va Phat trien Viet Nam” lam de tai nghien cuu Tac gia thuc hien de tai vdi muc dich sau: A A - Nghien cuu ve hoat dong dau tu cua cong ty bao hiem phi nhan tho - Nghien cuu thuc trang hoat dong dau tu cua Tong Cong ty Bao hiem Ngan hang Dau tu va Phat trien Viet Nam - Cac giai phap phat trien hoat dong dau tu cua Tong Cong ty Bao hiem Ngan hang Dau tu va Phat trien Viet Nam 11 CHUONG NHU’NG van de co ban ve hoat dong dau TU CUA DOANH NGHIEP BAO HIEM 1.1 Hoat dong kinh doanh cua doanh nghiep bao hiem Trong phan 1.1 tac gia da khai quat ve lich su nganh bao hiem, each phan loai va dac diem vai tro cua bao hiem doi vdi doanh nghiep va doi vdi xa hoi Doanh nghiep bao hiem thuc hien cac hoat dong chu yeu sau: - Hoat dong bao hiem: Kinh doanh bao hiem goc va tai bao hiem - Hoat dong dau tir Mot doanh nghiep bao hiem co the thuc hien dau tu vao cac linh vuc da dang nhu cd phieu, trai phieu, bat dong san, cho vay, gop von lien doanh theo quy dinh cua phap luat - Cac hoat dong khac: Ngoai hai hoat dong chinh la kinh doanh bao hiem va dau tu, doanh nghiep bao hiem cdn thuc hien cac dich vu dai ly nhu giam dinh ton that, xet giai quyet boi thuong, yeu cau ngudi thu ba boi hoan •> 1.2 Hoat dong dau tu* cua doanh nghiep bao hiem Trong phan 1.2 tac gia lam ro su can thiet va vai tro cua hoat dong dau tu doi vdi doanh nghiep bao hiem, nguon von dau tu cua doanh nghiep bao hiem, nguyen tac dau tu va cac linh vuc dau tu doi vdi mot doanh nghiep bao hiem cung nhu cac chi tieu danh gia hoat dong dau tu cua doanh nghiep bao hiem, Nguon vdn dau tw cua doanh nghiep bao hiem bao gdm: Von chu so huu bao gom von dieu le, quy du tru bat buoc, quy du tru tu nguyen, cac khoan lai cua nhung nam trudc chua su dung va cac quy dupe su dung de dau tu hinh tir lpi tire de lai cua doanh nghiep Nguon von nhan roi tir quy du phdng nghiep vu bao hiem va nguon khac nhu uy thac dau tu, khau hao chua sir dung den Nguyen tac dau tir cua doanh nghiep bao hiem:Nguyen tac an toan, nguyen tac sinh loi va nguyen tac dam bao kha nang toan thuong xuyen Cac linh vuc dau tir cua doanh nghiep bao hiem Doanh nghiep bao hiem co the tien hanh dau tu vao cac linh vuc sau: Gui tien tai cac to chuc tin dung, dau tu chung khoan, dau tu bat dong san, cho vay the chap uy thac dau tu va gop von lien doanh Cac chi tieu danh gia hoat dong dau tu* cua doanh nghiep bao hiem - Chi tieu danh gia quy mo dau tu - Chi tieu danh gia hieu suat dau tu - Chi tieu danh gia ket qua va hieu qua dau tu r a •? 1.3 Cac nhan to anh huong toi hoat dong dau tir cua doanh nghiep bao hiem Phan tim hieu nhung nhan td tac dong den hoat dong dau tu cua doanh nghiep bao hiem bao gom hai nhom sau: r Nhom cac nhan to chu quan - Cac nhan to anh huong den quy mo nguon von co the dau tu la Quy md phi bao hiem huy dong va quy mo nguon von chu so huu - Tinh chat nguon von co the dau tu - To chuc hoat dong dau tu - Quan diem dau tu cua doanh nghiep bao hiem - Nang luc doi ngu can bo thuc hien dau tu - Kha nang thu thap thong tin - Trinh khoa hoc cong nghe cua doanh nghiep bao hiem Nhom cac nhan to khach quan - Moi truong phap ly: - Tinh hinh phat trien kinh te xa hoi - Moi truong kinh te, moi truong dau tu va ngoai nude IV CHVO’NG THUC TRANG HOAT DONG DAU TV TAI TONG CONG TY BAO HIEM • • • • • A a , r > x - NGAN HANG DAU TV VA PHAT TRIEN VIET NAM 2.1 Gio’i thieu chung ve Tong cong ty Bao hiem Ngan hang Dau tir va Phat trien Viet Nam Phan 2.1 tac gia khai quat lich su hinh va phat trien, co cau to chuc, cac hoat dong kinh doanh chi'nh, nhung thuan loi va kho khan cua BIC Cff cau td chuc hoat dong kinh doanh Co cau to chuc hoat dong cua Tong Cong ty Bao hiem BIDV duoc khai quat qua so sau: DAI HQI DONG CO DONG I—— — f r Pho T&ig gwm X}HH »• phythupc So 2.1 Co cau to choc cua BIC 84 •> a r y yr De tang ty dau tu dai han, trudc het can phan dinh ro nhung ngudn vdn nao cd the thuc hien dau tu dai han, ngudn vdn nao danh cho dau tu ngan han de cd nhung chinh sach dau tu thich hop theo hudng su dung tdi da ngudn vdn cd the dau tu dai han nham thu duoc loi nhuan cao hon, dong hoi van dam bao kha nang toan cua doanh nghiep Cac ngudn vdn cd the su dung cho dau tu dai han la: + Ngudn vdn chu sd huu: Sau su dung mot phan cho viec dau tu vao cac tai san cua doanh nghiep va ky quy, ngudn vdn cd the duoc su dung dau tu vao nhung linh vuc cd thdi han dau tu dai han, loi nhuan ky vong cao + Mot phan ngudn vdn tu quy du phong nghiep vu bao hiem Mac du quy du phong nghiep vu bao hiem phi nhan tho thuong cd tinh chat ngan han nhung mot phan quy van cd the duoc su dung de dau tu dai han, dac biet thdi gian tdi thi trudng chung khoan phat trien, viec chuyen doi tu trai phieu dai han sang trai phieu ngan han, sang tien mat de dang, nhanh chong hon Trong tuong lai, thi trudrtg tai chinh, thi trudng bat dong san phat trien, ty le co the tang hon nua 3.2.3 Da dang hod danh muc dau tu’ BIC can chu dong tim kiem cac du an dau tu cd trien vong va tin tudng cao qua cac ngudn thong tin khac nhu qua cac phuong tien thong tin dai chung, qua cac ngudn thong tin tu cac chi nhanh BIC tai cac tinh, ca nudc, qua tim hieu tiep can khach hang Thuc hien dau tu vao cac linh vuc da dang nhu: + Dau tu chung khoan Thi trudng chung khoan Viet Nam dang chua on dinh, thi trudng dien bien phuc tap, kho du kien vi vay rui ro rat cao Nhung neu nha dau tu biet nam co hoi, thuc hien mua ban dung thdi diem thi loi nhuan se rat ldn De can bang giua rui ro va loi nhuan, BIC nen tham gia kinh doanh chung khoan vdi ty le vua phai, theo sat dien bien thi trudng, luc thi trudng cd nhung thang tram 85 Dau tu trai phieu thuang mang lai lai suat cao han lai suat gui tiet kiem tai cac TCTD va cac doanh nghiep bao hiem nhan tho thuang dau tu vao trai phieu Chinh phu nhu mot bien phap de han che rui ro Ky han trai phieu thuang keo dai tu den 10 nam hoac dai han, nhung vdi kha nang chuyen nhuong tren thi truong chung khoan, trai phieu the nhanh chong chuyen ddi ky han ngudn ngan han nen gop phan lam tang tinh khoan cua trai phieu Tuy nhien, dieu kien thi trudng trai phieu cdn chua phat trien nhu hien nay, kha nang khoan cua trai phieu cdn nhieu han che nen phan ldn nha dau tu deu giu trai phieu tdi dao han Viec ban trai phieu trudc han de dap ung nhu cau khoan cd the se gay ton that cho nha dau tu Mat khac, thdi ky lai suat ngan hang tang cao thi dau tu vao trai phieu duoc xem la cd rui ro ldn tinh khoan kem, ty le chiet khau cao, nha dau tu cd the chiu thua lo nang Vi vay, de da dang hoa cac hinh thuc dau tu va giam thieu rui ro, BIC cd the tin nhu trai phieu chinh phu hoac trai phieu cua cac tong cong ty, cac TCTD ldn nham giam thieu nguy co mat von va tang kha nang khoan Ddi vdi dau tu cd phieu, ngoai viec phai thu thap thong tin, phan tich, danh gia ve kha nang sinh ldi, toe tang trudng, kha nang khoan cua cd phieu, BIC can phai tang cudng cong tac phan tich, du doan dien bien thi trudng de chon thdi diem mua ban tot nhat Khi thuc hien dau tu vao cd phieu nen su dung ngudn von dai han + Cho vay uy thac Trudc day, cac doanh nghiep bao hiem Viet Nam duoc phep thuc hien hoat dong cho vay theo luat cac td chuc tin dung Tuy nhien tu nam 2004 ngan sach nha nude khdng cap phep cho cac td chuc tin dung phi ngan hang thuc hien hoat dong cho vay true tiep nen BIC chi cd the thuc hien hoat dong uy thac dau tu qua cac 86 ngan hang thuong mai va cac to churc tin dung co chuc nang nhan uy thac theo quy dinh cua Ngan hang Nha nudc Viec lua chon To chuc tin dung de uy thac cho vay phai dam bao cac dieu kien sau: - Cd chuc nang cap tin dung dudi hinh thuc cho vay von theo quy dinh cua phap luat - Cd mang ludi to chuc de dap ung duoc yeu cau true tiep cho vay va thu no den tan cac ddi tuong khach hang - Cd doi ngu can bo co trinh chuyen mon va kinh nghiem viec thuc hien cho vay va thu no - Khong vi pham cac quy dinh an toan hoat dong ngan hang, co tin nhiem viec cho vay, thu no va bao dam an toan von cho vay Uy thac cho vay khong chi dem lai cho BIC thu nhap cao tu lai cho vay ma giup BIC tiep can duoc vdi kinh nghiem tham dinh du an cua cac ngan hang va md rong ddi tuong khach hang su dung dich vu bao hiem, lam tang doanh thu hoat dong kinh doanh bao hiem Trong tuong lai, Ngan hang Nha nudc cho phep cac doanh nghiep bao hiem thuc hien cho vay true tiep, BIC cung nen dau tu vao linh vuc vdi ddi tuong va loai hinh cho vay da dang vdi cac thdi han khac Day la mot khoan muc co tinh an toan tuong ddi cao neu cdng tac tham dinh duoc thuc hien tot Hon nua co the dua lai mot muc lai suat cao + Gop von lap doanh nghiep Day la loai hinh dau tu co rui ro cao hon va cd tinh khoan kha thap Tuy nhien, neu thuc hien tot thi co the dua lai lai suat cao Thuong thay dau tu vao linh vuc tai chinh ngan hang, bao hiem, vui choi giai tri co the dua lai ket qua tot Can chu cdng tac tham dinh du an va tham dinh doi tac trudc tien hanh dau tu Viec lua chon ddi tac tham gia gop von dau tu can dat duoc nhung tieu chi nhu: Doanh nghiep hoat dong SXKD co hieu qua tren muc trung binh cua nganh xet tren cac tieu chi: ty suat loi nhuan tren tdng tai san (ROA), ty suat loi nhuan tren 87 von chu so huu (ROE), doanh thu, loi nhuan tang truong cao Dac biet la nhung doanh nghiep thuoc top dan dau nganh ve: thuong hieu, quy md doanh thu, thi phan; va/hoac dang trien khai cac du an mdi, san pham mdi mang tinh dot pha, cd the mang lai thu nhap va nang cao kha nang canh tranh cua doanh nghiep tuong lai Doanh nghiep duoc xem xet gop vdn lap phai hoat dong nhung linh vuc cd tiem nang phat trien, cd kha nang canh tranh, phu hop vdi dinh hudng dau tu cua BIC va BIC cd kha nang giam sat duoc hoat dong Du an lap doanh nghiep phai dam bao tinh kha thi, cd hieu qua kinh te, dam bao muc sinh loi yeu cau thdi gian xem xet dau tu U’u tien xem xet dau tu vao cac phuong an/du an cd cd kha nang khai thac cac dich vu bao hiem kem theo Trong khoan muc tham dinh, quan ly cac du an dau tu, ngoai viec danh gia du an qua tai lieu cung can kiem chung lai bang viec xem xet, danh gia thuc te nang luc phia doi tac, thuc te dia ban thuc hien du an de danh gia nhung kho khan, thuan loi viec thuc hien du an, tu cd quyet dinh dau tu dung dan Rieng doi vdi cac du an linh vuc chuyen nganh cd the thue cac chuyen gia doc lap tung linh vuc de phoi hop vdi cac can bo dau tu cua BIC viec tham dinh cung nhu quan ly du an, han che nhung rui ro phat sinh can bo cua BIC khong dupe dao tao ve cac linh vuc chuyen mon Can phan cong them can bo lanh dao va ke toan cac chi nhanh tham gia quan ly du an dau tu tai dia phuong sau doanh nghiep quyet dinh dau tu Nhu vay se cd dieu kien bam sat, theo doi true tiep, thuong xuyen tinh hinh hoat dong cua du an Dong thdi, viec hoan thien he thong chi tieu phan tich, danh gia tai chinh du an cung la viec lam rat can thiet He thdng chi tieu can duoc hoan thien theo hudng bo sung nhung chi tieu mdi ca chi tieu tai chinh va phi tai chinh (nhu cac chi tieu ve chien luoc kinh doanh, vi the canh tranh cua doanh nghiep, nang luc dieu hanh cua ban lanh dao, ), xay dung duoc muc chuan cua tung nganh nghe de lam can cu, co sd doi chieu danh gia du an Luu y thuc hien dau tu vao loai hinh nen su dung ngudn vdn dai han 88 + Dau tir bat dong san Thi truong bat dong san da tirng trai qua nhung thang tram thoi gian vai nam trd lai day Da co nhung sot bat dong san sot mang tinh cue bo d noi noi khac Cd nhung noi gia nha dat tang len gan 100% nhung thang dau 2011 de roi sau lai giam xuong mot each the tham va hien dang rat tram lang nhieu noi khdng cd giao dich Nguyen nhan cua viec gia bat dong san giam thdi gian vira qua duoc cho la Ngan hang nha nude siet chat tin dung ddi vdi cac linh vuc phi san xuat, bat dong san duoc xep vao hoat dong phi san xuat lam cho thi trudng bat dong san trd nen tram lang Tuy nhien theo nhan dinh cua cac chuyen gia cd kinh nghiem thi ban than su tram lang cua thi trudng bat dong san vira qua la nhieu nguyen nhan, dd nguyen nhan chu yeu la dau co vi mot thdi gian dai, bat dong san dupe coi la danh muc dau tu khdng bao gid lo Vi vay mot dong tien rat ldn dd vao bat dong san chi de dau co chu khdng phai nhu cau that nen dong von tin dung tir Ngan hang bi dong van, tat yeu thi trudng bat dong san se xi hoi, chinh vi vay thi trudng Bat dong san dupe coi la mot nhung kenh dau tu rui ro nhat nhung nam gan day va chi dung sau chung khoan Tuy vay xet tren cac yeu td ve cung cau thi thi trudng bat dong san nhat la trudng tiem nang Bdi le nhu cau nha d dang rat cao d nhung Thanh Thdi gian vira qua thi trudng bat dong san rat am dam, giao dich thua thdt nhung phan khuc thi trudng bat dong san cd gia thap va trung binh van giao dich kha tot, nhat la nhung can ho cd gia khoang tir den 1,5 ti dong Neu cac nha dau tu quan tarn den phan khuc thi trudng van kha la tiem nang Nhu vay, cd the noi rang thi trudng bat dong san hien dang thdi ky am dam nhung neu biet chon phan khuc thi trudng phu hop thi BIC van cd the rot von dau tu Du vay phai nghien cuu that ky du an ma minh cd the dau tu Viec kinh doanh bat dong san khdng nhung thu lpi nhuan ma nd se giup BIC quang ba thuong hieu, nang cao uy tin cua minh tren thi trudng 89 Hon ntra hinh thuc dau tu ddi hoi phai co nguon von ldn va dai han, kha nang khoan cua cac khoan dau tu bat dong san lai thuoc nhieu vao tinh hinh thi trudng d tung thdi ky nen thuc hien loai hinh dau tu nay, BIC nen su dung von chu sd huu De tham gia cdng vao thi trudng bat dong san, cac nha dau tu can co kinh nghiem va hieu biet sau sac ve no Nhung BIC chua tung tham gia vao thi trudng trudc day nen viec tu thuc hien cac du an kinh doanh bat dong san la tuong ddi rui ro Nham tung budc gia nhap va chiem linh thi trudng, BIC cd the chon hinh thuc dau tu an toan nhu gop von, lien doanh, lien ket vdi cac doanh nghiep chuyen dau tu bat dong san khac de hoc hoi kinh nghiem hoac cd the thuc hien dau tu vdi vai trd la chu dau tu du an Cung tinh chat phuc tap cua loai hinh nen qua trinh tham dinh du an cung nhu qua trinh quan ly du an ddi hoi can bo tham gia phai cd trinh do, hieu biet, kinh nghiem ve linh vuc Day la diem ma BIC hien dang thieu va yeu Trudc mat phat sinh nhu cau cd the thue chuyen gia hoac thue mot doanh nghiep cd kinh nghiem tu van + Tien giri ngan hang va cac to chirc tin dung Day la loai hinh dau tu cd tinh khoan cao Tuy nhien muc lai suat dua lai thudng thap hon lai suat ky vong cua cac loai hinh dau tu khac Cd the su dung phan von ngan han de thuc hien dau tu Tuy nhien tinh hinh kinh te cd nhieu bien dong nhu hien nay, cac kenh dau tu deu tiem an rui ro cao lai suat tien gui d cac Ngan hang la kha cao nen viec lua chon kenh dau tu giai doan hien la kha phu hop Theo nhu co cau dau tu cua cac doanh nghiep bao hiem nudc ngoai, loai hinh thudng chiem ty rat thap tdng von dau tu Tuy nhien, d Viet Nam hien nay, danh muc dau tu cua cac doanh nghiep bao hiem,trong cd BIC thi khoan muc lai chiem ty ldn nhat, tdi hon 50% Dieu han che hieu qua hoat dong dau tu cua doanh nghiep ke ca trudc day lai suat tien gui la kha thap 90 Truoc mat, thi truong tai chinh cua Viet Nam chua hoan thien, BIC van phai coi day la mot kenh dau tu chinh Khi dau tu vao tien giu ky han, nen danh mot phan dang ke chuyen hudng dau tu vao cac ky han trung va dai han nham thu dupc lai suat cao hon Ve lau dai mdi trudng dau tu cua Viet Nam, dac biet la thi trudng chung khoan on dinh hon, cac co hoi dau tu dupc md rong thi BIC nen giam bdt ty vdn danh cho khoan muc 3.2.4 Hoan thien co' cau to chuc hoat done • • • o dau tu' De cd the thuc hien da dang cac hinh thuc dau tu nhu da noi d tren va dem lai hieu qua cao BIC cung nen thuc hien tinh luong can bo dau tu dua tren hieu qua hoat dong dau tu chu khong phai tinh theo hieu qua chung cua toan Tong cong ty nhu hien Nhu vay se gan hieu qua dau tu vdi trach nhiem, quyen loi cua can bo dau tu, qua khuyen khich can bo cd gang cong viec 3.2.5 Xay dung va dao tao doi ngu can bo dau tu' co nang luc Doi ngu can bo quan ly cung nhu can bo true tiep thuc hien hoat dong dau tu dong vai tro het sue quan doi vdi hieu qua hoat dong dau tu cua doanh nghiep BIC can cd cac chinh sach dung, uu dai de thu hut cac chuyen gia gidi ve lam viec cho minh Dong thdi tiep tuc tang cudng dao tao dpi ngu can bo dau tu, can bo quan ly ve chuyen mon cung nhu dao due nghe nghiep nham nang cao chat lupng hoat dong dau tu Cd the mdi cac chuyen gia nudc ngoai giang day, tu van nham tiep thu cac kinh nghiem cua nudc ngoai, to chuc cho can bo tham gia cac khoa dao tao va ngoai nudc, to chuc cac ldp boi duong nghiep vu, hoi thao, nghien cuu, khuyen khich can bo ty nghien cuu, tim hieu nghiep vu de nang cao trinh cho dpi ngu can bo dau tu khong chi kien thuc ve dau tu ma ca cac kien thuc da nganh, kien thuc chung ve kinh te, tai chinh, ve cac linh vuc ma BIC thuc hien dau tu 91 Dinh ky co the to chuc thi nghiep vu de khuyen khich can bo tu trau doi, nang cao trinh do, cung nhu lam co so cho viec quy hoach can bo •7 3.2.6 Hoan thien va ddi moiphuongphap thu thap vd luu trie thong tin De tang cudng chat luong cong tac tham dinh va quan ly du an, tir nang cao hieu qua hoat dong dau tu ddi hoi BIC phai co bien phap thiet lap he thong cung cap thong tin nhanh chong, day du, chinh xac, cu the la: + Tiep tuc day manh khai thac cac ngudn thong tin hien co nhu thong tin tren bao, dai va cac phuong tien thong tin dai chung khac, thong tin tir cac ngan hang, cac td chuc tin dung ma BIC cd quan he, tir cac khach hang, cac doanh nghiep ma BIC gop von, tir cac ddi tac cung tham gia cac du an + Tang cudng viec thu thap, trao doi thong tin tir mang ludi cac phdng ban, cac chi nhanh + Ky hop dong trao ddi thong tin vdi cac td chuc chuyen cung cap thong tin nhu trung tarn thong tin phdng ngira rui ro, + Khai thac thong tin tir Hiep hoi tai chinh tin dung chuyen nghiep Day la mot ngudn thong tin kha phong phu, da chieu ve cac nganh nghe, cac linh vuc khac + Tang cudng viec khao sat thuc te doanh nghiep, thi trudng de thu thap dupe nhung thong tin thuc te, chinh xac + Hoan thien quy trinh luu tru thong tin nham phuc vu viec khai thac, su dung thong tin dupe thuan lpi 3.2.7 Tang cudng khai thac, ung dung cong nghe hien dai Tiep tuc ap dung cong nghe tien tien hoat dong kinh doanh, quan ly va dau tu, khai thac triet de cong nghe quan ly hien dai Mac du BIC da cd ten mien va cd dia chi giao dich tren internet nhung chu yeu mdi chi nham thuc hien viec quang ba san pham, thuong hieu chu chua thuc hien dupc cac giao dich tren internet Viec md rong hoat dong giao dich tren internet khdng nhung giup doanh nghiep day nhanh dupc toe giao dich, giam chi phi kinh doanh ma cdn la mot phuong tien huu hieu de thu thap, trao doi thong tin vdi cac khach hang, ddi tac 92 BIC can tiep tuc dau tu cong nghe moi vao hoat dong kinh doanh, dong thdi cung can thuc hien tot cac cdng tac dao tao cho doi ngu can bo cdng nhan vien viec su dung thao cac cdng nghe do, xay dung mot quy trinh khai thac, trao doi thong tin tin hop ly nham khai thac tdi da cac may moc, chuong trinh da lap dat Rieng ddi vdi hoat dong dau tu, thdi gian tdi can xay dung, cai dat phan mem tham dinh, quan ly du an de nang cao hieu qua hoat dong tham dinh va quan ly du an, cung nhu nang cao nang suat lao dong cua can bo dau tu Ngoai nhung bien phap tren, thdi gian tdi, BIC can tang cudng cdng tac thu hoi no de nang cao hieu suat su dung von dau tu cua minh nham nang cao hieu qua dau tu 3.3 Mot so kien nghi Hien nay, linh vuc bao hiem cang danh duoc nhieu quan tam cua nha nudc Viec ddi cua phap luat kinh doanh bao hiem cung nhieu van ban hudng dan, dinh hudng cung nhu chien luge phat trien thi trudng bao hiem Viet Nam den nam 2015 da cho thay dieu Rieng ddi vdi hoat dong dau tu cua doanh nghiep bao hiem la mot hoat dong cd vai trd quan khong chi ddi vdi ban than doanh nghiep ma doi vdi ca nen kinh te quoc dan Vi vay, thuc day hoat dong dau tu cua doanh nghiep bao hiem noi chung va cua BIC noi rieng, doi hoi nha nudc can tiep tuc thuc hien cac bien phap; chinh sach thiet thuc nham tao dieu kien cho hoat dong cua doanh nghiep linh vuc hay Luan van cung cd mot sd kien nghi mot sd bien phap nham tro giup cho cac doanh nghiep bao hiem Viet Nam noi chung va BIC noi rieng viec phat trien hoat dong nhu sau: A 3.3.1 Ve phia nha nude - Tiep tuc tuyen truyen, nang cao nhan thuc cua ngudi dan ve vai trd va lgi ich cua viec tham gia bao hiem 93 - Quy dinh them mot so loai hinh va doi tuong bat buoc phai mua bao hiem de giam bat rui ro va dan tao thoi quen mua bao hiem dan chung - Tiep tuc hoan thien he thong phap luat ve kinh doanh bao hiem Can co luat ve chong canh tranh khong lanh manh, co cac van ban phap luat ve xu ly vi pham hanh chinh linh vuc kinh doanh bao hiem nham tao hanh lang phap ly thuan loi cho cac doanh nghiep thuc hien hoat dong kinh doanh nghiem tuc Cac quy dinh can nhat quan, tranh su thay doi qua nhanh chong gay kho khan cho doanh nghiep - Hoan thien he thong phap luat ve dau tu va cac bo luat, van ban dudi luat d cac nganh nghe kinh doanh khac nham tao hanh lang phap ly thuan loi cho hoat dong dau tu cua doanh nghiep - Can co them cac dieu kien uu dai cho cac doanh nghiep bao hiem nhu uu dai ve thue, dau tu - Phat trien thi trudng chung khoan, thi truong bat dong san Nha nudc can co bien phap tuyen truyen, nang cao nhan thuc cua nguoi dan ve thi trudng chung khoan de thu hut them vdn nhan roi dan cu vao kinh doanh chung khoan; cai each cac quy dinh ve thi trudng chung khoan, tao hang hoa cho thi trudng bang cac bien phap tang cudng co phan cac doanh nghiep ma nha nudc khong can nam giu toan bo vdn; cd co che kiem soat viec cong bo thong tin cua cac cong ty dai chung nham dam bao tinh chinh xac, day du cua thong tin; khuyen khich hinh cac quy dau tu chung khoan de thu hut vdn nhan roi vao hoat dong kinh doanh chung khoan hinh nha tao lap thi trudng, gop phan chuyen nghiep hoa hoat dong kinh doanh chung khoan Dong thdi vdi viec phat trien hoat dong kinh doanh cd phieu, nha nudc cung can tung budc phat trien thi trudng trai phieu, dac biet la trai phieu doanh nghiep bang viec khuyen khich lap cac to chuc dinh hang tin nhiem, khuyen khich cac doanh nghiep huy dong vdn thong qua phat hanh trai phieu de tang cung trai phieu tren thi trudng, tao nhieu su lua chon cho nha dau tu qua tang tinh khoan cho thi trudng trai phieu Doi vdi thi trudng bat dong san, nha nudc can cd chinh sach de tang cudng tinh minh bach cua thong tin nhu cong khai cac du an quy hoach cua nha nudc, don 94 gian hoa cac thu tuc lien quan tdi viec cap phep dau tu va cac thu tuc chuyen nhuong bat dong san, hinh cac san giao dich bat dong san de cung cau d