Phát triển đại lý bảo hiểm tại bảo hiểm bảo việt

TRUONG DAI HOC KINH TE QUOC DAN ■ ■ - - soso O Gfrca DAI HOC KTQD TT THONG TIN TH If VIEN ffifrpgG L4j^\^T TV LIEU PHAM THI• GIANG • PHAT TRIEN DAI LY BAO HIEM TAI BAO HIEM BAO VIET • • Chuyen nganh: KINH TE BAO HIEM LUAN VAN THAC SY KINH TE • • £ Ngiroi hirong dan khoa hoc: TS PHAM THI DINH HA NOI, NAM 2012 It LOI CAM DOAN Toi xin cam doan day la cong trinh nghien cuu doc lap cua toi So lieu duoc neu luan van la trung thuc va co tri'ch nguon Ket qua nghien cuu luan van la trung thuc va chua duoc cong bo bat ky cong trinh nghien curu nao khac Tac gia luan van MUC LUC • • LOI CAM DOAN DANH MUC BANG, BIEU VA SO DO TOM TAT LUAN VAN PHAN MO DAU CHUONG 1: KHAI QU AT CHUNG VE DAI LY VA PHAT TRIEN DAI LY BAO HIEM PHI NHAN THO 1.1 Hoat dong kinh doanh bOo hiem phi nhan tho .3 1.1.1 Dac diem cua bao hiem phi nhan tho 1.1.2 San pham bao hiem phi nhan tho 1.1.3 Kenh phan phoi sSn pham bbo hiem 13 1.2 Dai ly bOo hiem phi nhan tho 14 1.2.1 Khai mem va vai tro cua dai ly boo hiem 14 1.2.2 Quyen va nghia vu cua doanh nghiep bOo hiem, dai ly boo hiem hoat dong bOo hiem 17 2.3 Nhiem vu va ynu cau cua dai ly bOo hiem 211 2.4 Phan loai dai ly 25 1.2.5 Dao duc nghe nghiep cua dai ly bOo hiem 26 2.6 Mo hinh quOn ly hoat dong dai ly bOo hiem 30 1.3 Phat trien dai ly bOo hiem 155 3.1 Su can thiet phOi phat trien dai ly bOo hiem 33 3.2 Noi dung phat trien dai ly 357 CHUONG 2: THUC TRANG PHAT TRIEN DAI LY BAO HIEM PHI NHAN THO TAI BAO HIEM BAO VIET 46 2.1 Mot vai net ve BOo hiem BOo Viet 46 2.2 Thuc trang phat trien dai ly bOo hiem tai BOo hiem BOo Viet 553 2.2.1 Thuc trang 'phat trien dai ly ve mat so lupng tai BOo hiem BOo Viet 533 2.2.2 Thuc trang phat trien dai ly ve mat chat luong tai BOo hiem BOo Viet 71 2.3 Ket qua khai t hac cua dai ly tai BaO hhini BaO Viet 83 CHUONG 3: GIAI PHAP VA KIEN NGHI NHAM HOAN THIEN CONG TAC PHAT TRIEN DAI LY TAI BAO HEM BAO VIET .88 3.1 Chien luoc phat trien cua he thong dai ly bao hiem 88 3.2 Giai phap nham hoan thi^n cong tac phat trien dai ly bao hiem tai Bao hiem Bao Vi£t 94 3.2.1 Giai phap cho phat trien dai ly ve mat so luong 94 3.2.2 Giai phap cho phat trien dai ly ve mat chat luong 97 3.3 Mot so kien nghi 111 3.3.1 Kien nghi vdi cac co quan quan ly Nha nude Ill 3.3.2 Vdi Hiep hoi bao hiem Viet Nam va tap doan tai chinh Bao hiem Bao Viet 113 KET LU AN 115 DANH MUC TAI LIEU THAM KHAO 116 DANH MUC BANG, BIEU VA SO DO Bang 2.1 Ket qua kinh doanh cua Bao hiem Bao Viet giai doan 2008-2011 50 Bang 2.2 So luqng dai ly tinh den cuoi nam 2008 66 Bang 2.3 Tinh hinh bien dong dai ly nam 2009 tai Bao hiem Bao Viet 67 Bang 2.4 Tinh hinh bien dong dai ly nam 2010 tai Bao hiem Bao Viet 67 Bang 2.5 Tinh hinh bien dong dai ly nam 2011 tai Bao hiem Bao Viet 68 Bang 2.6 Tinh hinh bien dong dai ly ttr nam 2008 den 2011 70 Bang 2.7 SO lieu dai ly phi nhan tho toan thi truong tinh den 31/12/2011 71 Bang 2.8 Tinh hinh dao tao dai ly cap I tai Bao hiem Bao Viet 78 Bang 2.9 Tinh hinh dao tao nang cao tai Bao hiem Bao Viet 79 Bang 2.10 Ket qua khai thac bao hiem cuadai ly nam 2009 84 Bang 2.11 Ket qua khai thac bao hiem cuadai ly nam 2010 85 Bang 2.12 Ket qua khai thac bao hiem cuadai ly nam 2011 86 Bang 2.13 Tong hop so luqng va doanh thu phi bao hiem dai ly tu 2009-2011 87 Bieu 2.1 Thi phan cua cac DNBH tren thi truong BH PNT nam 2011 50 So 1.1: So 1.2: So 1.3: So 2.1 So 2.2 So 2.3 So 2.4 Phong quan ly dai ly gian tiep 30 Phdng quan ly dai ly true tiep 32 Phong quan ly dai ly hon hop 33 Co cau to chuccua Bao hiem Bao Viet 49 Quy trinh tuyen dung .54 Quy trinh dao tao va danh gia chat luqng dao tao dai ly 72 Mo hinh thang tien danh cho dai ly 82 II U TRUONG DAI HOC KINH TE QUOC DAN - BosoOcacs PHAM THI GIANG • • PHAT TRIEN DAI LY BAO HIEM TAI BAO HIEM BAO VIET • • Chuyen nganh: KINH TE BAO HIEM TOM TAT LUAN VAN THAC SY • • HA NOI, NAM 2012 a ■ - a i CHITONG 1: KHAI QUAT CHUNG VE DAI LY VA PHAT TRIEN DAI • LY BAO HIEM PHI NHAN THO• Khai nieni dai ly bao hiem: Dai ly bao hiem la to chuc, ca nhan co du dieu kien hoat dong dai ly theo quy dinh cua Luat kinh doanh bao hiem, dupe doanh nghiep bao hiem uy quyen bang mot hop dong dai ly, de thuc hien mot so nhiem vu ve khai thac, thu phi, giam dinh, boi thubng va duoc huong hoa hong theo muc do, chat luong cong viec ma dai ly da hoan Vai tro cua dai ly bao hiem : * Dai ly bao hiem gop phan vao viec tieu thu san pham bao hiem * Dai ly la ngudi nhanh nhat giup khach hang hieu ro hon ve don bao hiem ma minh dinh mua * Cdng viec cua dai ly mangy nghia cao cd * Cong viec dai ly bao hiem mang tinh chat lau dai Phan loai dai ly Co nhieu each phan loai dai ly bao hiem khac nhung noi chung co the phan chia dai ly bao hiem phi nhan tho theo cac nhom nhu sau: - Theo tu each phap ly, dai ly bao hiem duoc phan dai ly ca nhan va dai ly to chuc - Theo thbi gian lam viec, dai ly bao hiem la ca nhan duoc phan dai ly chuyen nghiep va dai ly ban chuyen nghiep Phat trien dai ly bao hiem * Phat trien dai ly ve mat so luong Phat trien dai ly ve mat so luong la each thuc mot cong ty bao hiem tap hop nhu cau ve nguon luc dai ly cua Cdng ty ttr dua cac bien phap phu hop de tuyen dung va tri so luong dai ly, dap ung yeu cau ve cho Cong ty ca ngan han va dai han Tuyen dung va cac bien phap tri dai ly la each thuc chu yeu nhat de phat trien dai ly ve mat so luong, nen noi dung cua phat trien dai ly ve mat so luong 11 chinh la noi dung cong tac tuy£n dung dai ly va cac bien phap nham tri dai ly nOi len la cong tac thi dua khen thuong * Phat trien dai ly ve mat chat luong Phat trien dai ly ve mat chat luong co the hieu la viec cong ty bao hiem tao cac co hoi de cac dai ly nang cao kha nang tri tue va cam xuc can thiet de thuc hien cong viec tot hon Nhin chung noi toi phat trien dai ly ve mat chat luong ve co ban la noi toi cong tac dao tao doanh nghiep va cac bien phap ho tro dai ly phat trien nhu thang tien, khen thuong, chi ho tro dai ly phat trien Nhu vay, phat trien dai ly la mot chuoi cac cong viec ma mOi cong ty bao hiem cSn phai thuc hien, va thuc hien tot hay khong, hoac den muc nao thi no se gop phan thuc day he thong ban hang va hien thuc hoa muc tieu doanh thu cua cong ty CHtfONG 2: THL• I'C TRANG PHAT TRIEN DAI • • LY BAG HIEM PHI NHAN THO• TAI • BAO HIEM BAO VIET • 2.1 Mpt vai net ve Bao hiem Bao Vi