Quản lý đại lý bảo hiểm tại tổng công ty bảo hiểm bưu điện

LCD CAM DOAN Toi da doc va hieu ve cac hanh vi vi pham su trung thuc hoc thuat Hoc vien cam ket bang danh du ca nhan rang, nghien cuu hoc vien tu thuc hien va khong vi pham yeu cau ve su trung thuc hoc thuat Cac so lieu, ket qua phan anh ban luan van la trung thuc, co nguon goc ro rang Hoc vien Do Dinh Hoang LCJI CAM ON Trude tien toi xin chan cam an TS.Nguyen Thi Chinh da tan tinh chi bao, gop y va dong vien toi suot qua trinh thuc hien luan van tot nghiep De co the hoan chuong trinh Thac sy kinh te tai trudng Kinh te hiem Buu ctien ' ngoai nhung no luc, phan dau cua chinh ban than suot qua trinh hoc tap, toi xin gui lbi tri an den nhung ngubi than da luon dong vien, giup Nhan day, toi cung xin gui lbi cam on den quy Thay Co, nhung ngubi da tan tinh truyen dat kien thuc cho toi hai nam hoc cao hoc vua qua Sau cung, tac gia xin chan cam on den cac ban be than thiet cua ldp cao hoc CH 22L va cac cong tac vien da giup toi co sb lieu hoan tot luan van Hoc vien Do Dinh Hoang YEU CAU CUA HOI DONG CHAM LUAN VAN THAC SI • • • Ve: Nhung diem can stra chua bo sung trudc nop luan van chinh thuc cho Vien Dao tao Sau dai hoc CCm JT^ ILcidC feLt i^j.2 c/hz^ i/Uid/ ax.'-.t ci J 79// A Cal lltel.c.Li C.Q.L.'.h.£i ) ZWo-crZci/.y Ay .oX; laZt-S , Ctxjc C III ? jLu6 J & plttl Jh(& Lj YZ; ; z4< ^.CCC LUciyi L GzA Ipj I? p LA.^ L.7 hop tac, phoi hop huu hieu linh vuc tuyen truyen, giao due, phat trien thi trudng, de phong han che ton that Vi vay, viec xay dung he thdng cac van ban phap luat hoat dong kinh doanh bao hiem va cac van ban phap luat khac cd lien quan mot each hoan chinh, dong bo cd y nghia quan dam bao cho viec phat trien thi trudng bao hiem lanh manh, dam bao tinh cdng bang gitra cac ben hop dong bao hiem d cac nude cd nganh cdng nghiep bao hiem phat trien, de dieu chinh hoat dong kinh doanh bao hiem, cac bo luat bao hiem duoc xay dung rat cdng phu, chat che va chi tiet, bao quat moi hoat dong cua linh vuc kinh doanh bao hiem, duoc bo sung phu hop vdi su phat trien cang da dang cua cac quan he bao hiem \ f He thdng van ban phap luat dieu chinh hoat dong kinh doanh bao hiem bao gom cac nghi dinh cua Chinh phu, cac thdng tu, quyet dinh cua Bo Tai chinh, bo Luat kinh doanh bao hiem cd hieu luc tu 01 thang 04 nam 2001 Nhin lai he thdng van ban phap luat lien quan den hoat dong kinh doanh bao hiem d nude ta cd nhung van de sau : r a So luong cac van ban nhieu nhung chua hoan chinh, cac quy pham phap luat chi nang ve cac qui dinh ma thieu han bo phan che tai, lam cho cac qui pham it cd tinh kha thi Khi cd su cd xay canh tranh hay xung dot giua cac cdng ty thi rat kho giai quyet Cac quy pham phap luat ddi cham khong dap ung kip vdi su phat trien nhanh cua thi trudng gay nhung vudng mac qua trinh kinh doanh cua cac doanh nghiep bao hiem 71 De tao moi trirang phap ly lanh manh cho viec phat trien thi trudng bao hiem Viet Nam va de thuc day sir phat trien bao hiem, nhung nam toi, cac quy pham phap luat dieu chinh hoat dong bao hiem d nude ta can phai co budc cai tien theo hudng sau day : - Ra soat lai toan bo he thong van ban phap luat bao hiem, sua chua hoa bai bo nhung van de chua nhat quan hoac khdng cdn phu hup, bo sung cac van ban phap luat de tao tinh ddng bo cua he thong r - Cd bien phap cu the, xu ly nghiem minh ddi vdi cac trudng hop gian lan ky ket hop ddng bao hiem, gian lan khai bao tai nan, yeu cau bdi thudng bao hiem khieu nai bao hiem Can cd cac hinh thuc che tai cu the cd tinh dan de cao nham bao ve quyen loi cho cac ben tham gia hoat dong bao hiem va lam cho hoat dong bao hiem cang lanh manh - Ben canh do, phai tuyen truyen sau rong nhan dan de ngudi dan a r thay duqc y nghia cua bao hiem, tir tu giac tham gia Trudc het, thong qua cac loai hinh bao hiem bat buoc, ngudi dan se dan dan hieu duqc tac dung cua bao hiem tir hinh thdi quen tham gia bao hiem cac tang ldp dan cu.Chi nao tao duqc nhu cau cao ve bao hiem cho thi trudng thi nganh bao hiem mdi phat trien nhanh va on dinh De xuat vdi Chinh phu dieu chinh va dan ndi long tien tdi bai bo nhung quy dinh rang buoc qua chat che va lam han che su phat trien thi trudng bao hiem: rut ngan thdi gian va thu tuc dang ky, chap nhan cap phep cho san pham bao hiem ngudi phi nhan tho mdi; tung budc ndi long van de kiem soat phi bao hiem cac san pham de vira tao mdi trudng canh tranh lanh manh, vua cd lqi cho ngudi tieu dung AX Dieu chinh khung ty le hoa hong theo Luat kinh doanh bao hiem, ap dung ddi vdi ttrng san pham thuoc vao muc kho khan va phuc tap 72 qua trinh khai thac r ■> \ r Doi vdi hien tuung true ini bao hiem, can co su phoi hop thuc hien giua cac to chuc, ban nganh lien quan nhu cac doanh nghiep, truung hoc, benh vien, cac co quan chuc nang lien quan viec thong bao tai nan va xac minh rui ro De han che tinh trang phai tra tien bao hiem cho nhung truung hup khong thuoc trach nhiem cua cac cong ty bao hiem nhu: nam vien khong can thiet, nam vien dieu tri thuc te nguoi duoc bao hiem luu tru benh vien ngan, kien nghi vdi nganh y te can kiem soat chat che hun edng tac xem xet nhap vien, cap giay chung nhan vao vien tai benh vien, lam cu su de cac cong ty bao hiem giai quyet tra tien bao hiem duoc chinh xac, dung nguoi, dung noi dung Ve phia ngudi tham gia bao hiem can nang cao y thuc trach nhiem viec yeu cau bdi thuong, tao su lanh manh cho nganh bao hiem Cu the, kien nghi cu quan quan ly ve BH sum xay dung, sua doi bd sung cac Thong tu lien quan den Nghi dinh 73/2016/ND-CP quy dinh chi tiet thi hanh Luat Kinh doanh bao hiem va Luat sua doi, bd sung mot sd dieu cua Luat Kinh doanh bao hiem, bao gom viec ban hanh Thong tu mdi thay the hoac sua ddi bd sung cac Thong tu hudng dan bao hiem lien ket chung, bao hiem lien ket dun vi, Quy bao ve ngudi duoc bao hiem; sum ban hanh Thong tu hudng dan thuong mai dien tu linh vuc bao hiem (la noi dung mdi duuc quy dinh theo Nghi dinh 73) Ben canh do, cung kien nghi cu quan quan ly ve BH day nhanh tien xay dung quy tac, dieu khoan, bieu phi thuan bao hiem vat chat xe o to de Bo Tai chinh phe chuan cho DNBH theo Nghi dinh 73 Cung vdi do, Hiep hoi cung kien nghi co quan quan ly BH day nhanh bao hiem nong nghiep; chi dao cac DNBH tham gia bao hiem khai thac thuy 73 san xa ba theo Nghi dinh 67 thao go kho khan vudng mac, chuan bi tien hanh ? r r tong ket danh gia va dinh hudng trien khai cho giai doan tiep theo Bo Tai chinh quy dinh, tu nam 2015, cac DN bao hiem phi nhan tho phai co chuyen gia tinh phi De tinh phi bao hiem, chuyen gia tinh phi can co ca sd du lieu cua toan thi trudng bao hiem phi nhan tho tung DN bao hiem truy cap De nghi ca quan quan ly ve BH sua doi bo sung Thdng tu 228/2009/TT- BTC de giai quyet vudng mac cho DNBH tien hanh doi chieu, ke khai cdng ng va trich lap du phong phai thu, phai thu kho ddi phu hap vdi dac thu tai bao hiem va ngoai nude Cd khong it nhung vudng mac tir phia DN bao hiem ddi vdi thuc hien cac quy dinh phap ly lien quan den viec xuat hoa don tai chinh cho khach hang va hach toan ke toan ddi vdi khoan hoa hong va chi phi theo tung nghiep vu va theo phi giu lai t r ~ r > Viec thieu hudng dan rd rang ve cap hoa don cua hap dong bao hiem da khien co quan thue dia phuong co hudng dan khac Quy dinh ve huy hoa dan khach hang cham dut hap dong ddi vdi khach hang ca nhan cung rat kho thuc hien vi rat kho mdi khach hang den DN den Cdng ty Quan trong, hanh lang phap ly cang hoan thien han, thdng nhat ve mat the che han nua gitra cac van ban quy pham phap luat ca ban nhu Bo luat Dan su, Bo luat Hinh su, Luat Dau tu, Luat Doanh nghiep vdi Luat Kinh doanh 74 BH tao dieu kien de thi truong BH phat trien cang ben vung a ' \ r - Chinh phu can dieu chinh khung ty le hoa hong phu hgp doi vdi ttrng loai san pham bao hiem thuoc vao muc kho khan va phuc tap qua trinh khai thac va tu van - Quy dinh tieu chuan ap dung cho noi dung cua bo hop dong dai li, can quy dinh ro rang va day du cac van de: trach nhiem va quyen han cua dai li, cac chuong trinh dao tao yeu cau bat buoc phai co, dao due nghe nghiep, viec cap chung chi dao tao dai li nham xay dung cac tieu chuan ve trinh va phan loai dai ly - Nha nude can ho trg cho nganh bao hiem phi nhan thg noi rieng va bao hiem noi chung phat trien bang each tang cudng tuyen truyen quang cao xa hoi de ngudi dan, to chuc, doanh nghiep thay dugc y nghia va tarn quan trgng cua bao hiem phi nhan thg, hieu dugc tac dung cua bao hiem ddi vdi ca nhan ho gia dinh, doanh nghiep va toan xa hoi tir dan hinh thdi quen tham gia bao hiem cac linh vuc - Chinh phu cung nen cd nhung chinh sach khuyen khich ddi tugng tham gia bao hiem phi nhan thg, vi du nhu mien giam mot phan thu nhap chiu thue thu nhap ddi vdi nhung doi tugng tham gia bao hiem phi nhan thg dac biet la cac san pham dai han hoac bao hiem xuat nhap khau de khuyen khich doanh tham gia bao hiem dong thdi gop phan vao phat trien kinh te xa hoi dat nude - Ben canh do, Chinh phu nen cd chinh sach uu dai ve dau tu ddi vdi cac cong ty bao hiem vi cac cong ty BHPNT noi rieng va bao hiem noi chung hang nam luon dong gop nhieu vao nguon von dau tu cua toan xa hoi tren ca sd huy dong tien nhan roi dan de hinh cac quy dau tu dai han cho dau tu ca sd tang va cac du an dau tu khac 75 - Nha nude nen tiep tuc md cua thi trudng bao hiem phi nhan tho va cho phep lap them cong ty BHPNT nude Thuc te da chi rang, thi truang bao hiem Viet Nam phai dam bao nhu cau hoi nhap quoc te va thuc hien cac thoa thuan song phuang gitra Viet Nam va ASEAN, AFTA, EU, My va cac quy dinh cua WTO Moi co them mot doanh nghiep bao hiem tham gia thi truang bao hiem nhan tho thi thi truang lai soi dong han, so hap ddng khai thac mdi lai gia tang 3.3.2 Voi Hiep hoi bao hiem Viet Nam Hiep hoi Bao hiem Viet Nam dugc lap theo quyet dinh so 23/1999/QD-BTCCBCP 09/07/1999 Hiep hoi co nhiem vu ho tra va lien ket cac doanh nghiep bao hiem, la to chuc dai dien cho cac doanh nghiep bao hiem d Viet Nam vdi co quan quan li Nha nude va nhan dan Su cdng va phat trien cua thi trudng bao hiem Viet Nam cd su ddng gop to ldn cua to chuc De giup cac doanh nghiep bao hiem phi nhan tho hoan thien cdng tac quan ly dai ly, Hiep hoi Bao hiem Viet Nam can thuc hien cac cdng viec sau : - Lam dau mdi lien ket cac doanh nghiep bao hiem phi nhan tho de hoan thien viec xay dung bo ho so tuyen dung chuan dai ly de tao mot bang chung toi thieu can phai cd ddi vdi dai ly, xay dung mot he thong ca sd dtr lieu chung cho cac doanh nghiep bao hiem phi nhan tho ve: dao tao va nang cao trinh cho dai ly, danh sach cac dai ly da nghi viec vi pham quy che, ky luat tai cac doanh nghiep bao hiem phi nhan tho Dua vao ca sd du lieu do, cac doanh nghiep bao hiem phi nhan tho cd the nang cao trinh cua doi ngu can bo, dai ly cung nhu cd bien phap han che nhung tieu cue cdng tac quan ly dai ly da xay vdi doanh nghiep khac, de hoan thien cdng tac quan ly dai ly tai doanh nghiep minh 76 - Ho trg cac doanh nghiep bao hiem xay dung va day manh cac chuong trinh khai thac bao hiem phi nhan tho qua dai ly Day la mot cong viec quan nham ma rong va phat trin thi trubng bao hiem phi nhan tho Cac chuong trinh ma Hiep hoi co the ho tro cac doanh nghiep bao hiem nhu: Tuyen truyen quang cao ve bao hiem phi nhan tho, to chuc cau lac bo danh cho khach hang muon tim hieu ve bao hiem phi nhan tho, thuc hien dich vu tu van bao hiem phi nhan tho de khach hang co the lua chon san pham phu hop vdi nhu cau va kha nang tai chinh cua minh, tu van cho khach hang ve nhung thu tuc phat sinh qua trinh tham gia bao hiem phi nhan tho nhu : thu tuc yeu cau giai quyet quyen loi bao hiem, thu tuc huy hop dong bao hiem, tai tuc hop dong, trubng hop vay phi tu dong va dai ly chinh la nong cot cac chuong trinh - Hiep hoi bao hiem can the hien la td chuc dieu hoa va giu the can bang bang kinh doanh bao hiem trubc hien tuong giam phi, tang ty le hoa hong dai ly tien nhu hien Hiep hoi bao hiem co the xay dung bieu phi A ' r “t r toi thieu, cac doanh nghiep bat buoc khong duoc cat giam phi bao hiem thap hon bieu phi quy dinh, dong thbi yeu cau cac doanh nghiep bao hiem phi nhan tho phai tuan thu theo hoa hong, khen thubng dai ly tren moi nghiep vu bao hiem phi nhan tho da ban hanh cua Bo tai chinh, tir dam bao an toan va cong bang cho hoat dong kinh doanh cua cac doanh nghiep bao hiem nude 3.3.3 Voi Cue quan ly giam sat bao hiem Hoan thien mdi trubng phap ly ve kinh doanh bao hiem noi chung va bao hiem phi nhan tho noi rieng de tao moi trubng canh tranh lanh manh, binh dang Thi trubng bao hiem Viet Nam hinh chua lau nhung canh tranh giua cac doanh nghiep dien rat gay gat vdi nhieu thu thuat va manh khoe Canh tranh la dong luc thuc day phat trien nhung cung gay nhieu kho khan, tham chi gay thiet hai dang ke cho cac DNBH Hien tuong canh tranh 77 khong lanh manh giua cac DNBH gay anh hudng xau den ket qua kinh doanh va anh huong den uy tin cua nganh bao hiem noi chung va anh huong den tung cong ty noi rieng Giua cac DNBH cdn thieu su hop tac, phoi hop huu hieu linh vuc tuyen truyen, giao due, phat trien thi trudng, de phdng han che ton that Vi vay, viec xay dung he thong cac van ban phap luat hoat dong kinh doanh bao hiem va cac van ban phap luat khac cd lien quan mot each hoan chinh, dong bo cd y nghia quan dam bao cho viec phat trien thi trudng bao hiem lanh manh, dam bao tinh cong bang giua cac ben hop dong bao hiem d cac nude cd nganh cong nghiep bao hiem phat trien, de dieu chinh hoat dong kinh doanh bao hiem, cac bd luat bao hiem dupe xay dung rat cong phu, chat che va chi tiet, bao quat moi hoat dong cua linh vuc kinh doanh bao hiem, dupe bd sung phu hop vdi su phat trien cang da dang cua cac quan he bao hiem "He thong van ban phap luat dieu chinh hoat dong kinh doanh bao hiem bao gom cac nghi dinh cua Chinh phu, cac thong tu, quyet dinh cua Bo Tai chinh, bo Luat kinh doanh bao hiem cd hieu luc tu 01 thang 04 nam 2001 Nhin lai he thong van ban phap luat lien quan den hoat dong kinh doanh bao hiem d nude ta cd nhung van de sau": Sd lupng cac van ban nhieu nhung chua hoan chinh, cac quy pham phap luat chi nang ve cac qui dinh ma thieu han bo phan che tai, lam cho cac qui pham it cd tinh kha thi Khi cd su cd xay canh tranh hay xung dot giua cac cong ty thi rat kho giai quyet Cac quy pham phap luat ddi cham khdng dap ung kip vdi su phat trien nhanh cua thi trudng gay nhung vudng mac qua trinh kinh doanh cua cac doanh nghiep bao hiem De tao mdi trudng phap ly lanh manh "cho viec phat trien thi trudng bao hiem Viet Nam va de thuc day su phat trien bao hiem, nhung nam 78 X A tori, cac quy pham phap luat dieu chinh hoat dong bao hiem d nude ta can phai co budc cai tien theo hudng sau day : - Ra soat lai toan bo he thong van ban phap luat bao hiem, sua chua hoa bai bo nhung van de chua nhat quan hoac khong phu hop, bo sung cac van ban phap luat de tao tinh ddng bo cua he thong - Cd bien phap cu the, xu ly nghiem minh doi vdi cac trudng hop gian lan ky ket hop ddng bao hiem, gian lan khai bao tai nan, yeu cau bdi thudng bao hiem khieu nai bao hiem Can cd cac hinh thuc che tai cu the co tinh dan de cao nham bao ve quyen loi cho cac ben tham gia hoat dong bao hiem va lam cho hoat dong bao hiem cang lanh manh - Ben canh do, phai tuyen truyen sau rong nhan dan de ngudi dan thay duqc y nghia cua bao hiem, tir tu giac tham gia Trudc het, thong qua cac loai hinh bao hiem bat buoc, ngudi dan se dan dan hieu duqc tac dung cua bao hiem tir hinh thdi quen tham gia bao hiem cac tang ldp dan cu, cac doanh nghiep td chuc Chi nao tao duqc nhu cau cao ve bao hiem cho thi trudng thi nganh bao hiem mdi phat trien nhanh va on dinh - De xuat vdi Chinh phu dieu chinh va dan ndi long tien tdi bai bo nhung quy dinh rang buoc qua chat che va lam han che su phat trien thi trudng bao hiem: rut ngan thdi gian va thu tuc dang ky, chap nhan cap phep cho san trudng canh tranh lanh manh, vtra cd lqi cho ngudi tieu dung" A > t Dieu chinh khung ty le hoa hong theo Luat kinh doanh bao hiem, ap dung ddi vdi tung san pham thuoc vao muc kho khan va phuc tap qua trinh khai thac Thudng xuyen kiem tra va xu ly vi pham cac hanh vi loi keo dai ly bat hqp phap, dai ly hanh nghe khong co chung chi nham tang chat luqng 79 dai ly phuc vu khach hang Doi vdi hien tuong true loi bao hiem, can co su phoi hop thuc hien giua cac to chuc, ban nganh lien quan nhu cac doanh nghiep, trudng hoc, benh vien, cac co quan chuc nang lien quan viec thdng bao tai nan va xac minh rui ro De han che tinh trang phai tra tien bao hiem cho nhung trudng hop khong thuoc trach nhiem cua cac DNBH nhu nam vien khong can thiet, nam vien dieu tri thuc te ngudi duoc bao hiem luu tru benh vien ngin, kidn nghi vdi nganh y te can kiem soat chat che hon cdng tac xem xet nhap vien, cap giay chung nhan vao vien tai benh vien, lam co sd de cac DNBH giai quyet tra tien bao hiem duoc chinh xac, dung ngudi, dung noi dung, Yeu cau cac don vi chuc nang nhu co quan PCCC, cdng an dia phuong, hai quan phoi hop va tao dieu kien cho DNBH dieu tra xac minh rui ro Ve phia ngudi tham gia bao hiem can nang cao y thuc trach nhiem viec yeu clu bdi thudng, tao su lanh manh cho nganh bao hiem 80 KET LUAN Luan van da he thong hoa co so ly luan ve hoat dong quan ly dai ly cua doanh nghiep bao hiem phi nhan tho nhu: Khai niem va dac diem cua bao hidm phi nhan tho, thi truung bao hiem phi nhan tho, dac diem san pham bao hiem phi nhan tho; khai niem va vai trd dai ly bao hiem phi nhan tho, phan loai dai ly bao hiem phi nhan tho; su can thiet phai quan ly dai ly bao hiem phi nhan tho, noi dung quan ly dai ly bao hiem phi nhan tho; cac nhan to anh hudng den hoat dong quan ly dai ly cua doanh nghiep bao hiem phi nhan tho Luan van da phan tich thuc trang cong tac quan ly dai ly tai PTI Noi dung cong tac quan ly dai ly tai PTI bao gom phan: cong tac tuyen dung dai ly; cong tac dao tao dai ly ; cong tac to chuc, hoat dong dai ly; cong tac kiem tra, giam sat dai ly Luan van phan tich thuc trang quy trinh cac cong tac quan ly dai ly, so sanh muc bien dong cac chi tieu anh hudng tdi cac cong tac quan ly dai ly tir nam 2011- 2015 Sau phan tich thuc trang quan ly dai ly tai PTI, da danh gia duoc cac noi dung quan ly tren, ket qua anh hudng the nao tdi Tong cong ty bao hiem Buu dien, nhung han che nao can khac phuc va nguyen nhan Luan van da neu len duoc mot so chien luoc phat trien cua Tong cong ty bao hiem Buu dien, tdi de xuat nhom giai phap va kien nghi tdi co quan quan ly Nha nude, Hiep hoi Bao hiem Viet Nam de nang cao hoat dong quan ly dai ly bao hiem cua Tong cong ty bao hiem Buu dien thdi gian tdi Thi trudng bao hiem phi nhan tho hien duoc cac chuyen gia nhan dinh se gap rat nhieu kho khan dac biet la ddi vdi cac nghiep vu bao hiem xay e a a r dung, tai san nguon von ngan sach cua nha nude bi cat giam, cac doanh nghiep kinh doanh gap kho khan tac dong cua kinh te - day la mot nhung dich vu chiem ty doanh thu ldn cho cac cong ty bao hiem nhung nam qua 81 Do viec nang cao hoat dong quan ly dai ly bao hiem se la van de ma cac doanh nghiep bao hiem phai tap trung, chu khai thac bdi no vtra mang lai ngudn doanh thu deu dan, thuong xuyen, vtra tao duoc cong an viec lam cho can bo, dai ly, tao thu nhap va la dong luc cho dai ly lam viec, ben canh viec trien khai ban le tang cudng quang ba thuong hieu cua PTI tren dia ban rit tdt, didu the hien thong qua cac bien quang cao ban le gui tai cac diem giao dich, cua hang, tram dang kiem, showroom, ngan hang lien ket vdi Tong cdng ty bao hidm Buu dien Mot lan ntra, toi xin chan cam on su giup cua gia dinh, cua cac a Ar ban be ddng nghiep, su chi bao tan tinh cua cac thay cd khoa Kinh te bao hiem, dac biet toi xin chan cam on Tien si Nguydn Thi Chinh da nhiet tinh giup do, chi bao va hudng dan toi viec nghien cuu dd tai va hoan ban bao cao luan van 82 TAI LIEU THAM KHAO Chinh phu (2006), Nghi dinh sd 152/2006/ND-CP 22/12/2006 hudng Dang Thanh Canh (2009), Hoan thien cdng tac quan ly dai ly tai cdng ty TNHH Prudential Viet Nam, Luan van Thac sy Kinh te, Dai hoc Bach Khoa Ha Noi Ha Van Sy (2006), Phat trien thi trudng bao hiem nhan tho d Viet Nam hien nay, Luan van thac si kinh te,chuyen nganh Kinh te phat trien, Hoc vien Chinh tri quoc gia Ho Chi Minh Nguyen Van Dinh (2004), Giao trinh bao hiem, NXB Thongke Nguyen Van Dinh (2004), Giao trinh Quan tri kinh doanh bao hiem, NXB Thdng ke Nguyen Dure Tuan (2008), "Thi truong bao hiem nhan thoViet Nam - Thuc trang va trien vong", Tap chi Tdi chinh Bao hiem, (2), tr.9-13 ~ r f r Nguyen Ngoc Tuan (2007), Hoan thien va phat trien he thdng kenh phan phoi san pham bao hiem nhan tho tai Bao Viet Nhan tho, Luan van Thac sy Kinh te, Dai hoc Kinh te quoc dan Nguyen Thi Vinh (2013),A/ot sd gidi phap nham phat trien va quan ly dai ly bao hiem phi nhan tho tai Cdng ty bao hiem BIDV Bae Trung Bo, Luan van Thac sy Kinh te, Dai hoc Kinh te quoc dan, Dai hoc Bach Khoa Ha Noi Nguyen Van Diem, Nguyen Ngoc Quan (2004),Giao trinh quan trf nhan luc, NXB Lao dong va Xa hoi 10 Quoc hoi nuoc Cong hoa xa hoi chu nghia Viet Nam (2001), Luat kinh doanh bao hiem, Nxb Chinh tri quoc gia, Ha Noi 11 Tong Cong ty Bao hiem Viet Nam (2002), Cdng tac quan ly dai ly bao r r \ ~ hiem nhan tho- mot sd van de ly luan va thuc tien 12 Tong cong ty Bao hiem Buu dien (2011-2015), Cac bao cao tdng kdt hoat dong kinh doanh Tumi tin 17 ierences ginality Report Processed on: 08-Jan-2017 10:52 ICT IC: 757082289 Word Count: 31141 Submitted: Luan van thac sy kinh t Similarity by Source Similaniy Index bao hiem By Dinh Ho£ng Do 1896 Internet Sources: Publications: Student Papers: 19% 0% 3% ccument Viewer Include bibliography mode: | show highest matches together T | excluding matches < 3.0 words Treng đM hSc kinh to quec dân ????? §g [3^| §xNH HOpNG QUAN LY DAI LY BAO HIEM TAI TONG CONG TY BAO Q? HIEM BUU DIEN Chuyan ngpnh: KINH TO BHO HIOM ngei hing dEn khoa hac: TS ■0 5% match (Internet from 19-Aprn2012) htt?://www.zdook.vn 4% match (Internet from 07-Fed-2013) htt?://www.zdook.vn S H ttde quoted NGUYON TH> CHYNH HpNdi-2016Ldl CAM DOAN Toi da doc va hieu ve cac hanh vi vi pham su1 trung thuc hoc thuat Hoc vien cam ket b5ng danh du ca nhan rSng, nghien cdu hoc vien tu thuc hien va khong vi pham yeu cau ve su trung thuc hoc thuat Cac so lieu, ket qua phan anh ban luan van la trung thuc, co nguon goc ro rang Hoc vien Do Dinh Hoang LLI CAM ON Trudc tien toi xin chan cam dn TS.Nguyen Thi Chinh da tan tinh chi bao, gop y va dong vien toi suot qua trinh thuc hien luan van tot nghiep De co the hoan chuong trinh Thac sy kinh te tai trudng Kinh te quoc dan 10 a a a a ’ rvi 1% match (Internet from 01-Aug-2012) httb://www.zdook.vn 1% match (Internet from 18-May-2012) httb://www.zdook.vn 1% match (Internet from 01-Aug-2012) httb://www.zdook.vn 1% match (Internet from 22-Sep-2015) httb: //w ww.zdook 1% match (Internet from 12-Jtn-2012) httb://sdh-aof.edu.vn < 1% match (Internet from 12-Aug-2013) httb://doan.eduvn < 1% match (Internet from 26-Jtn-2012) Trtin.nco/nnvrnoort.tss?rn59.76553425861l&ss’n337&lann=en us&oid=757082289&pbd=2&ft=1&ro- 1/1