Phát triển sản phẩm bảo hiểm nhà tư nhân tại tổng công ty bảo hiểm bảo việt

n TRUING DAI HOC KINH TE QUOC DAN TRAN RICH HANH • DAI HOC K.T.O.D TT THONG TIN THUVIEN PHONGLUANAN-TV LIEU PHAT TRIEN SAN PHAM BAO HIEM NHA TU NHAN TAI • TONG CONG TY bAO HIEm bAO VIET • Chuyen nganh: Kinh te Bao hiem LUAN VAN THAC SY KINH TE NGVOi HUONG DAN KHOA HOC PGS.TS Nguyen Van Dinh THS Ha Noi, nam 2014 LO’I CAM DOAN TOi xin cam doan day la cong trinh nghien cuu doc lap cua rieng toi Cac tai lieu tham khao deu neu ro xuat xir tac gia va duoc ghi danh muc tai lieu tham khao Toi hoan toan chiu trach nhiem ve nhung nhan xet da dua luan van Ha Noi, thong nam 2014 Hoc vien cao hoc Tran Bich Hanh MUC LUC • • LCH CAM DOAN MUC LUC DANH MUC Tf VIET TAT DANH SACH BANG DANH MUC BIEU DO DANH MUC SO DO TOM TAT LUAN VAN i MO DAU CHLfONG NHtTNG VAN DE LY LUAN VE SAN PHAM BAO HIEM NHA TUNHAN 1.1 Sur can thiet khach quan va tac dung cua bao hiem nha tu nhan 1.1.1 Su doi va phat trien cua bao hiem nha tu nhan tren the gidi va tai Viet Nam 1.1.2 Su can thiet cua bao hiem nha tu nhan 1.1.3 Tac dung cua bao hiem nha tu nhan 10 1.2 Dac diem cua san pham bao hiem nha tu* nhan 13 1.3 Noi dung chu yeu cua san pham bao hiem nha tu- nhan 14 1.3.1 Doi tuong va pham vi bao hiem 14 1.3.2 Gia tri bao hiem, So tien bao hiem va Phi bao hiem 18 1.3.3 Giam dinh va boi thudng ton that .22 1.3.4 Hop dong bao hiem nha tu nhan 24 1.4 Phat trien san pham bao hiem nha tu- nhan 28 1.4.1 Phat trien san pham bao hiem la gi 28 1.4.2 Quy trinh phat trien san pham bao hiem mod 28 1.4.3 Cac nhan to anh hudng den qua trinh phat trien san pham bao hiem 35 r r ■> •> •> 1.4.4 He thong chi tieu phan anh ket qua phat trien san pham bao hiem nha tu nhan 37 CHUONG THUC TRANG PHAT TRIEN SAN PHAM BAO HIEM NHA TV NHAN TAI • TONG CONG TY BAO HIEM BAO VIET • 39 2.1 Gidi thieu ve Tong Cong ty Bao hiem Bao Viet 39 2.1.1 Qua trinh hinh va phat trien cua Tong Cdng ty Bao hiem Bao Viet 39 2.1.2 Co cau to chuc cua Bao hiem Bao Viet .44 2.2 Qua trinh phat trien san pham bao hiem nha tir nhan tai Tong Cong ty Bao hiem Bao Viet 45 2.2.1 Xac dinh thi truong, khach hang tiem nang 45 2.2.2 Thiet ke san pham 46 2.2.3 Cac bien phap ho trp cho qua trinh phat trien san pham 51 2.2.4 Cac nhan td anh huong den qua trinh phat trien san pham bao hiem nha tu nhan cua Tong Cong ty Bao hiem Bao Viet 61 2.3 Thirc trang trien khai san pham bao hiem nha tir nhan tai Tong Cong ty Bao hiem Bao Viet 62 2.3.1 Cong tac khai thac 62 2.3.2 Cong tac de phong han che ton that 71 2.3.3 Cong tac giam dinh, boi thuong ton that, thiet hai 74 2.4 Danh gia thuc trang phat trien san pham bao hiem nha tu’ nhan tai Tong Cong ty Bao hiem Bao Viet 78 2.4.1 Ket qua phat trien san pham bao hiem nha tu nhan tai Tong Cong ty Bao hiem Bao Viet 78 2.4.2 Danh gia cac cong tac ho tro phat trien san pham bao hiem nha tu nhan 83 CHUONG GIAI PHAP PHAT TRIEN SAN PHAM BAO HIEM NHA TU NHAN TAI • TONG CONG TY BAO HlfiM BAO VIET • .87 3.1 Trien vong thi truong bao hiem nha tir nhan tai Viet Nam va phuong Q Q *7 *7 huong trien khai san pham bao hiem nha tu- nhan cua Tong Cong ty Bao hiem Bao Viet 87 3.1.1 Trien vong thi truong bao hiem nha tu nhan tai Viet Nam 87 3.1.2 Phuong huong trien khai san pham bao hiem nha tu nhan cua Tong Cong ty Bao hiem Bao Viet 89 3.2.1 Nghien cuu, danh gia dung va thuc su khach quan thi trudng 90 3.2.2 Tang cubng va day manh cong tac tuyen truyen quang cao 92 3.2.3 Tiep tuc nghien cuu de hoan thien san pham 94 3.2.4 Day manh va phat trien cac kenh phan phoi san pham bao hiem 98 3.2.5 Nang cao chat luong bo may nhan su lam dich vu bao hiem 101 3.2.6 Tang cubng hop tac quoc te linh vuc bao hiem nha tu nhan 103 3.3 Kien nghi 104 3.3.1 Doi vdi cac co quan quan ly nha nude 104 3.3.2 Doi vdi Hiep hoi bao hiem Viet Nam 105 KET LUAN 107 DANH MUC TAI LIEU THAM KHAO 108 PHU LUC 109 DANH MUC II VIET TAT DNBH: Doanh nghiep bao hiem NDBH: Ngubi dirge bao hiem GTBH: Gia tri bao hiem STBH: So tien bao hiem BHBV: Bao hiem Bao Viet SPBH: San pham bao hiem TCT: Tong Cong ty DPHCTT: De phong han che ton that GDBT: Giam dinh boi thirong CKT: Chay ky thuat TTDVKH: Trung tarn dich vu khach hang DANH SACH BANG Bang 2.1: Ke hoach trien khai phat trien san pham Bao hiem nha tu nhan tai TCT Bao hiem Bao Viet 50 Bang 2.2: Ke hoach phat trien san pham Bao hiem nha tu nhan tai TCT Bao hiem Bao Viet 54 Bang 2.3: Ket qua khai thac san pham bao hiem nha tu nhan tai TCT Bao hiem Bao Viet nam 2012-2013 65 Bang 2.4: So sanh doanh thu bao hiem nha tu nhan vdi san phambao hiem nha d khac tai Bao hiem Bao Viet 66 Bang 2.5: Doanh thu BH nha tu nhan theo tirng don vi vien tai Tong Cong Bang 2.6: ty Bao hiem Bao Viet (2012-2013) 67 r A Ty doanh thu phi bao hiem nha tu nhan theo so tien bao hiem 70 Bang 2.7: Tinh hinh de phdng han che ton that nghiep vu bao hiem chay va tai san 7 tai Tong Cong ty Bao hiem Bao Viet 72 Bang 2.8: Tinh hinh boi thudng san pham bao hiem nha tu nhan taiTong Cong ty Bao hiem Bao Viet (2012-2014) 76 Bang 2.9: Doanh thu phi bao hiem nha tu nhan tai TCT Bao hiem Bao Viet (2012-2014) 78 Bang 2.10: Co cau doanh thu bao hiem nha tu nhan so vdi nhom nghiep vu bao hiem chay va tai san tai TCT Bao hiem Bao Viet 80 Bang 2.11: Doanh thu bao hiem nha tu nhan theo cac kenh phan phoi tai TCT Bao hi6m Bao Viet (2012-2013) 83 DANH MUC BIEU DO Bieu 2.1: Ty khai thac san pham bao hiem nha tu nhantheo dia ban .69 Bieu 2.2: Co cau doanh thu phi Bao hiem nha tu nhan xet theo so tien bao hiem 70 Bieu 2.3: Tang trudng so luong Hop dong khai thac BH nha tu nhan 79 Bieu 2.4: Thay doi doanh thu phi nha tu nhan qua cac nam 2012-2014 81 Bieu do2.5: So sanh doanh thu BH nha tu nhan vdi cac san pham BH nha d khac tai TCT Bao hiem Bao Viet 82 DANH MUC SO DO • So 2.1: Quy trinh khai thac san pham BH nha tu nhan taiTCT Bao hiem Bao Viet 63 So 2.2: Quy trinh giam dinh boi thubng Bao hiem nha tu nhan 75 TRUONG DAI HOC KINH TE QUOC DAN TRAN BICH HANH PHAT TRI IN SAN PHAM BAO HIEM NHA TV NHAN TAI TONG CONG TY BAO HIEM BAO VIET • • Chuyen nganh: Kinh te Bao hiem TOM TAT LUAN VAN THAC SY • • Ha Noi, nam 2014 i TOM TAT LUAN VAN Bao hiem nha tu nhan la loai hinh bao hiem dang dune quan tarn ma hang nam b Viet Nam xay hang tram vu chay nha cua, lam thiet hai ngubi va tai san hang tram ty dong, dong thbi hang nam cung xay rat nhieu cac tran lu lut, giong bao, trom cubp gay thiet hai nghiem cho ngoi nha va cac tai san ben ngoi nha cua ngubi dan De khac phuc nhung hau qua nang ne hoa hoan, giong bao hay cac rui ro khac gay ra, ngubi ta da tim kiem va su dung nhieu bien phap kinh te, do, bien phap huu hieu nhat van la bao hiem Tren the gibi bao hiem nha tu nhan rat phat trien va duoc ap dung bien tu rat lau Tai Viet Nam, bao hiem nha tu nhan cung duoc cac doanh nghiep bao hiem Viet Nam trien khai nhieu nam qua Tong Cong ty Bao hiem Bao Viet trien Tham gia chuong trinh, khach hang se duoc boi thubng cac chi phi thiet hai cho ngoi nha va tai san ben trong trubng hop chay, no, set danh va cac rui ro mb rong khac Ngoai ra, khach hang duoc ho trq mot khoan chi phi thue nha sau ton that Tuy nhien, tai Viet Nam hien nay, loai hinh bao hiem van chua duoc don nhan bbi dong dao ngubi dan cung nhu chua bien bang cac loai hinh bao hiem chay va tai san khac Nhan thuc duoc tarn quan cua san pham bao hiem Muc tieu nghien cuu cua luan van la lam rd nhung van de ly luan ve san pham bao hiem nha tu nhan; Phan tich, danh gia qua trinh phat trien san pham va thuc trang trien khai san pham bao hiem nha tu nhan tai Tong Cong ty Bao hiem 104 chung ta co the hoc hoi va ap dung vao thi truong bao hiem nude Chinh vi the, cac doanh nghiep bao hiem nude noi chung, Bao hiem Bao Viet noi rieng nen tang cuong hop tac vdi cac doanh nghiep bao hiem nudc ngoai, cac doi tac quoc te linh vuc bao hiem nha tu nhan, cu the tan dung cac moi quan he hop tac tai bao hiem de co cac buoi dao tao nang cao kien thuc chuyen mon cung nhu ky nang cong viec Nhu vay doanh nghiep bao hiem se vua tan dung duoc co hoi hop tac kinh doanh vua co co hoi tiep nhan duoc kien thuc chuyen mon va kinh nghiem thuc te tu nhung nha bao hiem chuyen nghiep tren the gidi 3.3 Kien nghj 3.3.1 Ddi v&i cac co' quan quan ly nha nwd'c Cac co quan quan ly nha nudc, cu the la Bo Tai chinh, Cuc Quan ly giam sat bao hiem co vai tro quan trong viec quan ly, phat trien hoat dong kinh doanh bao hidm, co ca bao hiem nha tu nhan Nha nudc phai thuc hien tot cong tac quan ly, tao moi truong phap ly thuan loi dong thoi co nhung co che, chinh sach uu dai de bao hiem nha d phat trien on dinh va dat duoc ket qua cao mang lai su an tam, tin tudng cho nguoi dan Thuc te cho thay Luat va nhieu van ban Luat ve bao hiem nha tu nhan d Viet Nam chua day du va chua that thich hop vdi dieu kien hau, kinh te, cua Viet Nam Vi vay cac nha lam luat Viet Nam can hoc hoi kinh nghiem cua cac nudc phat trien bao hiem nha tu nhan tren the gidi dong thoi co nhung nghien cuu cu the dieu kien cua Viet Nam de co nhung dieu chinh hop ly phu hop hon nua vdi nudc ta Cac co quan quan ly nha nudc can xay dung, bo sung hoan thien cac quy dinh, luat phap de phu hop vdi su van dong cua co che thi truong Trong cong tac quan ly nha nudc can su dung cac cong cu quan ly mot cach thich hop va hieu qua dac biet han che toi da su canh tranh khong lanh manh, kiem soat doc quyen, dam bao moi truong kinh doanh thuan loi, binh dang Cac co quan quan ly nha nudc cung phai co chu truong doi mdi phuong thuc va nang cao nang luc quan ly nha nudc doi vdi hoat dong kinh doanh bao hiem nha tu nhan, tien tdi thuc hien cac nguyen tac, chuan muc quan ly bao hiem nha tu nhan nhu cac nudc phat trien tren the gidi 105 Cac ca quan quan ly nha nude nen co nhung chinh sach khuyen khich ngudi dan tham gia bao hiem nha d tu nhan nhat la nhtrng vung mien cd hau khac nghiet de xay hda hoan nhu mua he d Mien Bac va Mien Trung; nhung noi dong dan cu nhu d Ho Chi Minh, Ha Noi, khuyen khich giam thue nha d hay ho tra mot phan phi bao hiem, Cac co quan quan ly nha nude cung can cd chinh sach khuyen khich cac doanh nghiep bao hiem md rong, nang cao pham vi bao hiem cho nha d tu nhan de dap ung mot tot han nhu cau khach hang, dong thdi tao dieu kien cho doanh nghiep bao hiem dupe tiep can, nam bat nhanh cac quy dinh, thong tu, cua nha nude ve bao hiem nha d tu nhan 3.3.2 Doi vdi Hiep hoi bao hiem Viet Nam Ngay 25/12/1999, Dai hoi lap Hiep hoi Bao hiem Viet Nam dupe tien hanh theo quyet dinh phe duyet cua Ban to chuc can bo Chinh phu la Bo Noi vu theo QuySt dinh sd 51/1999/QD-BTCCBCP 09/7/1999 Tham du dai hoi cd 10 doanh nghiep bao hiem vien sang lap Hiep hoi Bao hiem Viet Nam Tir den Hiep hoi Bao hiem Viet Nam da tung budc trudng va phat trien dat dupe nhieu cong sir nghiep phat trien thi trudng bao hiem Viet Nam Hiep hoi Bao hiem Viet Nam da dong vien va tao dieu kien de cac doanh nghiep bao hiem Viet Nam hoat dong, phat trien theo dung dinh hudng chien lupc phat trien thi trudng bao hiem Viet Nam De thuc day sir phat trien cua thi trudng bao hiem Viet Nam noi chung va thi trudng bao hiem nha tu nhan noi rieng, tdi xin cd mot sd kien nghi nhu sau: - Hiep hoi Bao hiem Viet Nam can gitr vtrng vai tro la cau noi gitra doanh nghiep bao hiem vdi co quan quan ly nha nude, vdi ngudi tham gia bao hiem, gop phan on dinh phat trien thi trudng bao hiem Viet Nam Hiep hoi can tich circ dong gop y kien, phan bien cac van ban phap quy lien quan den hoat dong kinh doanh bao hiem, tao mdi trudng phap ly cho kinh doanh bao hiem; td chuc hoi thao, khao r r r e ? sat thuc te, tong hpp y kien phan tich kien nghi cua cac doanh nghiep bao hiem vao cac van ban phap quy, cd van ban lien quan den san pham bao hiem nha tu 106 nhan Hiep hoi tiep tuc mang tieng noi cua cac doanh nghiep bao hiem phan anh nhung kho khan vudng mac co che chinh sach thu tuc tim giai phap thao go, kien nghi vdi cac co quan chuc nang nham don gian hoa co che chinh sach thu tuc - Hiep hoi Bao hiem Viet Nam can lam tdt cdng tac tuyen truyen ve bao hiem nham nang cao nhan thuc cua cdng chung ve y nghia, tac dung, vai tro cua bao hiem, san pham bao hiem va cac hoat dong cua nganh bao hiem, co bao hiem nha d Tir cho nang cao duoc nhan thuc cua ngudi dan ve tam quan va tac dung cua san pham nay, ho se sinh nhu cau mua bao hiem nha d de bao ve cho chinh can nha cua minh - Hiep hoi Bao hiem can tiep tuc tri mot mdi trudng lanh manh cho cac DNBH Viet Nam vira hop tac vira canh tranh.Tir thuc day cho thi trudng bao hiem Viet Nam phat trien Hiep hoi Bao hiem can tiep tuc la noi cung cap, cap nhat thong tin, danh gia tong hop thi trudng bao hiem Viet Nam, la dia chi dang tin cay de cung cap cai nhin toan canh ve thi trudng bao hiem Viet Nam cho cac doanh nghiep bao hiem qua trinh phat trien va chiem linh thi trudng - Tiep tuc md rong mdi quan he hop tac quoc te vdi cac doanh nghiep, cac Hiep hoi bao hiem quoc te, co uy tin de co nhung tu van ve phat trien nganh dung dan, xin tro giup ve mat cdng nghe, quan ly de Hiep hoi bao hiem bien, gidi thieu cho cac doanh nghiep bao hiem biet va ap dung dung dan, khoa hoc cho su phat trien cua thi trudng bao hiem Viet Nam 107 KET LUAN San pham bao hiem nha tu nhan co nhieu tiem nang de phat trien, hien mdi chi khai thac duoc khoang 10% tong tai san can duoc bao hiem Y thuc cua nguoi dan cang duoc nang cao nen ho cang nhan thuc duoc tac dung to se tang len thoi gian tdi Day la mot nhung dieu kien thuan loi cho viec phat trien san pham Luan van da he thdng hoa lai cac van de ly luan ve san pham bao hiem nha tu nhan Tren cu sd phan tich thuc trang trien khai san pham bao hiem nha tu nhan tai Tong Cong ty Bao hiem Bao Viet tir nam 2012 den nam 2014, ta nhan thay duoc nhung uu diem cua san pham nay, nhung uu the cua Bao hiem Bao Viet khai thac san pham va kha nang phat trien san pham tuong lai Tir luan van thdi gian sap tdi Cac giai phap tren chi la so nhd tong the rat nhieu giai phap nham phat trien san pham nha tu nhan tai Tong Cong ty Bao hiem Bao Viet Donhung thieu sot ve mat kien thuc ly luan va thuc te la khong the tranh khoi nen tdi rat mong nhan dupe su gop y, giup du cua thay, cd de de tai dupe hoan thien hon Xin chan cam on! 108 DANH MUC TAI LIEU THAM KHAO • • PGS TS Nguyen Van Dinh, Giao trinh Bao hiem, Nha xuat ban Kinh te Quoc dan, nam 2012 PGS TS.Nguyen Van Dinh, Giao trinh Quan tri Kinh doanh Bao, Nha xuat ban Kinh te Quoc dan, nam 2009 Quy tac bao hiem nha tu nhan - Tong Cong ty Bao hiem Bao Viet Quy trinh thiet ke san pham bao hiem phi nhan tho - Tong Cong ty Bao hiem Bao Viet So lieu thi truong bao hiem Viet Nam nam 2012, 2013 - Hiep hoi Bao hiem Viet Nam Tai lieu ve lich su doi va phat trien bao hiem nha o: A History of Home Insurance -http://laurenthomas.hubpagee.com/hub/A-History-of-Homie- Insurance Tap chi Bao hiem va doi song - so cac nam 2012, 2013, 2014 Truong Dai hoc Kinh te Ho Chi Minh - Chuyen de Bao hiem hda hoan nha tu nhan - Nhung goc nhin va giai phap phat trien, Thang 9-2010 Cac website: - www.vnexpress.net - www.vietbao.vn - http://en.wikipedia.ore/wiki/History_ of insurance - www.avi.org.vn -http://www.investoaedia.com/articles/fmancial- theory/0 8/american-insurance -http://www.allstate.com/tools-and-resources/homemsurance/covered-m-homeowners-aolicy.aspx 109 PHU • LUC • Bao hiem cho phan ngoi nha Bang 1: Phi bao hiem cho ngoi nha ap dung cho then han nam (Dffn vi: VND) GKfcHAN PHf CO BAN(1) THdlGIAN PHf Bd SUNG (2) Giong, 1-15nam i 270.000 Trom t6ng PHf aiifp (1+2) Tran nucrc Va cham vofi Ngoi nha 54.000 27.000 14.000 40.000 BdlTHlftJNG XAYDI/NG (Chdy,Set, Bao, Lu _ No) lut* * Vdhoac ■ 300.000.000 500.000.000 800.000.000 ■ 1.100.000.000 405.000 | 630.000 : 15-25 nam 420.000 84.000 42.000 21.000 63.000 1-15 nam 450.000 90.000 45.000 22.000 68.000 15-25 nam 700.000 140.000 70.000 35.000 105.000 1.050.000 1-15 nam 720.000 144.000 72.000 36.000 108.000 1.080.000 15-25 nam 1.120.000 224.000 112.000 56.000 168.000 1.680.000 1-15 nam 990.000 198.000 99.000 50.000 148.000 1.485.000' 15-25 nam 1.430.000 286.000 143.000 72.000 214.000 2.145.000 i 1-15 nam 1.350.000 270.000 135.000 68.000 202.000 2.025.000 15-25 nam 1.950.000 390.000 195.000 98.000 292.000 2.925.000, J 675.000 ! ' 1.500.000.000 • 2.000.000.000 1-15 nam 1.800.000 360.000 180.000 90.000 270.000 2.700.000 15-25 nam 2.600.000 520.000 260.000 130.000 390.000 3.900.000 1-15 nam 2.250.000 450.000 225.000 112.000 338.000 3.375.000 15-25 nam 3.000.000 600.000 300.000 150.000 450.000 4.500.000 1-15 nam 2.700.000 540.000 270.000 135.000 405.000 4.050.000 15-25 nam 3.600.000 720.000 360.000 180.000 540.000 5.400.000 1-15 nam 3.240.000 648.000 324.000 162.000 486.000 4.860.000 15-25 nam 4.320.000 864.000 432.000 216.000 648.000 6.480.000 1-15 nam 3.780.000 756.000 378.000 89.000 567.000 5.670.000 ; 15-25 nam 5.040.000 1.008.000 504.000 252.000 756.000 7.560.000 j 1-15 nam 4.500.000 900.000 450.000 225.000 675.000 6.750.000 900,000 9J20.QJ3QCL ■■ 2.500.000.000 I ’• 3.000.000.000 ■ 3.600.000.000 4.200.000.000 5.000.000.000 15-25nam 6.000AQO-UO.O OOO, mooD-j J0.Q.Q0Q 110 Bao hiem phan tai san ben trong: Bang 2: Phi bao hiem cho phan tai san ben thoi han nam (Dan vi: VND) ■: i ’ an! ■■■■ J ■ Rllt UmSub i|i|||y Is 11 ■ ilV *11 1a I* ’o - Chuong luan van de xuat cac giai phap phat trien san pham bao hiem nha tu nhan tai Bao hiem Bao Viet Cac giai phap dua la co co sd va tinh kha thi nhat dinh 7.2 Nhfrng gop y trao doi them - Luan van can lam rd khai niem bao hiem nha tu nhan noi chung va san pham bao hiem nha tu nhan theo ten goi cua Bao hiem Bao Viet hien Khi de cap den bao hiem nha tu nhan d chuong 1, thuc chat luan van noi den noi dung cua bao hiem nha tu nhan noi chung (bao gom ca san pham bao hiem nha tu nhan ma Bao Viet dang trien khai) Con d chuong 2, luan van de cap tdi viec phat trien san pham bao hiem nha tu nhan gan lien vdi ten dat rieng tai Bao Viet - Luan van neu ly Bao Viet trien khai san pham bao hiem nha tu nhan ben canh san pham bao hiem hon hop nha (trang la chua hoan toan hop ly Boi vi doanh thu cua san pham bao hiem hon hop nha nam 2013 la rat tdt, hon 3,5 ty, tang gap 2,3 lan so vdi nam 2012, va cao hon nhieu so vdi doanh thu cua bao hiem nha tu nhan la khoang 825 trieu dong Ly chinh d day la bao hiem nha tu nhan nham dap ung nhom khach hang co thu nhap thap hon - Ve phuong phap nghien cuu, luan van viet co su dung du lieu so cap thong qua viec lay kien phdng van tir cac ca nhan Vay tac gia luan van can trich dan phdng van ai, lay y kien gi? - Luan van chua phan tich dupe cac nhan to anh hudng den viec phat trien san pham bao hiem nha tu nhan tai Bao hiem Bao Viet nhu da cap d chuong - Muc 3.2.7 Kien toan bo may nhan su lam dich vu bao hiem (trang 100) co ten tieu de khong phu hop vdi noi dung ben viet ben (thuc chat la viet ve nang cao chat lupng nguon nhan luc) - Cac giai phap can dupe cu the hon, vi du phan loai va lua chon thi trudng the nao? Phat trien san pham (md rong dieu kien, dieu khoan)? - Luan van cdn loi in an Ket luan Luan van dat yeu cau cua mot luan van thac sy chuyen nganh Kinh te bao hiem Chung tdi dong y de luan van dupe dua bao ve trudc hoi dong cham luan van thac sy 9- Cau hoi Cau hoi 1: Theo tac gia luan van, san phamynha tu nhan cua Bao Viet phu hop vdi nhom khach hang nao nhat? Cau hoi 2: Luan van dtra giai phap phat triem kenh phan phoi cho san phdm bao hiem nha ter nhan tai Bao hiem Bao Viet (trang 95) nhimg chua neu ro dtroc phat trien nhu- the nao? Vay tac gia cho biet, doi vdi san pham nay, theo quan diem cua tac gia kenh phan phoi nao la phu hop? tai sao? Ha Noi, 26 thdng 11 nam 2014 Ngirdi viet nhan xet TS PHAM THI• DINH • • CONG HOA XA HOI CHU NGHIA VIET NAM Doc lap - Ty - Hanh phuc • • • NHAN XET LUAN VAN THAC SY KINH TE De tai: “Phat trien san pham bao hiem nha tu nhan tai Tdng cong ty Bao hiem Bao Viet” Hoc vien Cao hoc: Tran Bich Hanh Lop: 21 Chuyen nganh: Kinh te Bao hiem Ngudi hudng dan: PGS TS Nguyen Van Dinh DHKTQD TS Nguyen Thi Kim Nha - Phan bien II Tong cong ty Co phan Bao hiem Bwu dien Tinh cap thiet, y nghia khoa hoc va thuc tien cua de tai Trong cong cuoc doi mdi cua dat nude, Bao hi£m la mot nhtrng nganh dich vu phat trien kha toan dien va co nhung budc tien dang ke ca ve quy mo, toc va pham vi hoat dong dac biet tir nam 1990 trd lai day Bao hiem khong chi thuc hien viec huy dong von cho nen kinh te, kich thich dau tu, ma gop phan dam bao on dinh tai chinh cho cac ca nhan, gia dinh, cho moi to chuc va doanh nghiep de on dinh ddi song va khoi phuc SXKD Su phat trien nhanh chong cua nen kinh te the gidi, dac biet vdi su phat trien cua linh vuc kinh doanh bao hiem (KDBH) da lam cho san pham cua linh vuc cang da dang Nhieu san pham mdi ddi dap ung yeu cau cang cao va khac cua khach hang Bao hiem nha tu nhan la loai hinh bao hiem dang duoc quan tam ma hoa hoan dang hoanh hanh manh nhung nam gan day Tren the gidi bao hiem nha tu nhan rat phat trien va dugc ap dung kha bien, song doi vdi Viet Nam bao hiem nha tu nhan la san pham mdi dugc cac DNBH dua vao trien trong vai nam gan day Tong cong ty Bao hiem Bao Viet (ten cu la Bao Viet) la Cong ty TNHH Tap doan Bao Viet dau tu von 100%, la doanh nghiep bao hiem co thi phan doanh thu bao hi6m ldn nhat Viet Nam Tu thang 3/2012 san pham bao hiem nha tu nhan dugc trien khai tai doanh nghiep Day la san pham cd nhieu tien ich cho cac ca nhan song tren thuc te doanh thu tu san pham tai Viet Nam noi chung, Bao hiem Bao Viet noi rieng chua nhieu Viec md rong, phat trien bao hiem nha tu nhan la hudng di de tang doanh thu nghiep vu bao hiem tai san - ky thuat dugc nhieu doanh nghiep bao hiem quan tam Sau qua trinh hoc tap va nghien cuu hoc vien da phat hien van de va lua chon de tai “Phat trien san pham bao hiem nha tu nhan tai Tong cong ty Bao hiem Bao Viet” lam de tai Luan van Thac sy nham dap ung yeu cau thuc tien tai doanh nghiep De tai dugc danh gia cao bdi gia tri ly luan va tinh thdi su De tai phu hgp vdi chuyen nganh Kinh te bao hiem, khong trung lap vdi cac cong trinh da cong bo hoac cac / Luan van da bao ve trudc day Ket qua nghien cuu chu yeu cua Luan van 2.1 Ket qua ve noi dung nghien cuu Trong chuomg 1, tac gia da he thong nhung van de ly luan ve san pham bao hiem nha tu nhan doanh nghiep bao hiem, thong qua viec trinh bay su can thiet khach quan, tac dung, dac diem, noi dung cua san pham bao hiem nha tu nhan Ben canh do, tac gia cung da lam ro quy trinh; cac nhan to chu quan, khach quan anh huong; he thong chi tieu phan anh ket qua phat trien san pham bao hiem nha tu nhan Thanh cong co ban cua chuong la Hoc vien da dua cac noi dung de cap d chuong la can thiet, dung dan, phu hop Luan van da tao dupe khung phan tich can thiet, dung dan cho cac chuong va chuong Trong chuong 2, tac gia da phan anh thuc trang phat trien san pham bao hiem nha tu nhan tai Tong cong ty Bao hiem Bao Viet tir qua trinh hinh va phat trien, co cau to chuc, qua trinh phat trien san pham, thuc trang trien khai san pham, tir tac gia danh gia su phat trien san pham tai Tong cong ty Toi danh gia cao tac gia phan trinh bay noi dung muc 2.2 Qua trinh phat trien san pham; muc 2.3 Thuc trang trien khai san pham bao hiem nha tu nhan tai Bao hiem Bao Viet la tuong doi chi tiet, kha day day du the hien su am hieu sau sac tinh hinh thuc te cua tac gia Nhung danh gia thuc trang phat trien san pham cua tac gia theo Toi la sat thuc Ve co ban, chung toi dong tinh vdi cac nhan dinh, phan tich chuong Trong chuang 3, dua tren trien vong cua thi trudng bao hiem nha tu nhan thdi gian tdi, phuong hudng trien khai san pham tai doanh nghiep thdi gian tdi, tac gia de xuat nhom giai phap co ban nham phat trien san pham tai Bao hiem Bao Viet Cac giai phap duoc de xuat cd tinh thiet thuc cao, duoc tac gia luan giai cd can cu ly luan va thuc tien nen cac bien phap cd the duoc xem xet ap dung thuc tien Cung vdi viec dua cac giai phap, tac gia cung da dua 02 kien nghi vdi cac co quan chuc nang de viec cac giai phap ma tac gia de xuat thuc hien co hieu qua hon Tdi dac biet danh gia cao va dong tinh vdi tac gia luan giai cac giai phap: Tiep tuc nghien cuu hoan thien san pham; Phat trien kenh, chu cham soc khach hang; Day manh quang cao vi theo Tdi day la nhung giai phap dung dan true tiep md rong va phat trien san pham bao hiem nha tu nhan 2.2 Danh gia ket cau, phuong phap nghien cuu Vdi 100 trang tieu chuan, khong ke phan md dau, ket luan, muc luc, danh muc tai lieu tham khao, Luan van duoc trinh bay theo ket cau chuong truyen thong Bo cue luan van vd co ban la hop ly, chat che; tieu de cua mdi chuong bao quat tuong ddi day du cac khia canh noi dung can nghien cuu Sd lieu cap nhat, nguon trich dan co tin cay Tac gia su dung dong bo cac phuong phap va cdng cu nghien cuu khoa hoc co ban, phu hop va dang tin cay nhu phuong phap tong hop, phan tich, thong ke, so sanh v.v Mot so van de can trao ddi them Bo cue luan van chua can ddi (38/45/19) ❖ Cach trinh bay: Loi chinh ta nhieu, dac biet dau sau ten de • Ve noi dung: Luan van se co gia tri cao horn neu hoc vien lam ro them dupe cac van de sau day: J Tai chuffng 1: • Muc 1.4 lam ro them khai niem, noi dung phat trien san pham la gi? Vdi ten goi cua de tai, doi tupng nghien cuu cua Luan van la phat trien san pham Neu la san pham moi hoan toan thi phat trien san pham thuc chat la thiet lap cac dieu kien dura san pham vao trien khai Neu la san pham da trien khai tir trade thi phat trien san pham la viec nang tarn ve quy mo mat lupng, nang cao mat chat lupng cua san pham Vi vay hoc vien can chi ro phat trien san pham de tai la lam cai gi? • B6 sung kinh nghiem phat trien san pham tai mot so nude tren the gidi va tai Viet Nam, kinh nghiem cho Bao hiem Bao Viet V Tai chuvng 2: • Hoc vien chua neu dupe dac tinh san pham noi troi cua san pham bao hiem nha tu nhan cua Bao hiem Bao Viet, chua co su so sanh vdi san pham cung loai vdi cac doanh nghiep bao hiem khac V Tai chuong 3: - Cac giai phap, kien nghi nhin chug van chung chung; - Co che thuc day ban hang chua dupe neu luan van Danh gia chung Du mot so diem can hoan chinh, bo sung them song cd the khang dinh noi dung Luan van la mot cong trinh nghien cuu khoa hoc doc lap, nghiem tuc, co chat lupng Uu didm cua luan van la tidp can true tiep vao doi tupng can nghien cuu, lap luan chat che, 16 gic, co tinh thuydt phuc Luan van da neu va giai quyet mot van de co tinh thdi su cao, co gia tri khoa hoc ca ve ly luan, ca ve thuc tien Luan van dap ung day du cac yeu cau va dieu kien cua mot luan van Thac sy khoa hoc kinh te va hoc vien Cao hoc Tran Rich Hanh xung dang dupe nhan hoc vi Thac sy kinh te, chuyen nganh Kinh te bao hiem neu bao ve cong Ha Noi, 30 thang 11 nam 2014 NGLOI NHAN XET7 Cau hoi danh cho Hoc vien: Diem khac biet san pham BH nha tit nhan cua TCT BH Bao Viet vdi cac DNBH khac tren thi trudng? Cac khd khan, thuan lai cua TCT BH Bao Viet phat trien san pham BH nha tu nhan thdi gian tai? TS Nguyen Thi Kim Nha