Thí điểm bảo hiểm nông nghiệp ở việt nam thực trạng và giải pháp phát triển

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O zfcJ U^ cX^ J^ , " J C Trong Chuang Luan van da trinh bay duoc quan diem, dinh hudng trien khai i \ r r y bao hiem ndng nghiep d Viet Nam, de xuat duoc giai phap va kien nghi nham phat trien bao hiem ndng nghiep Viet Nam thdi gian tdi Toi danh gia cao cac giai phap va kien nghi cua Luan van Tuy nhien tdi cung cd mot sd y kien trao doi nhu sau vdi Tac gia: (i) Noi dung 3.1.2 ve dinh hudng trien khai bao hiem nong nghiep d Viet Nam qua so sai Ben canh dinh hudng cung can neu ro hon Muc tieu can dat toi thdi gian tdi la gi (ii) Cac giai phap nen xay dung cho cac Nhom tuong cu the hon nhu ve phia Cue Quan ly giam sat bao hiem, ve cac doanh nghiep bao hiem, ve phia ngudi nong dan, (iii) Doanh nghiep bao hiem mdi la Chu the kinh doanh bao hiem nong nghiep, phat trien bao hiem nong nghiep, cd the phai ganh chiu Ld rat ldn trien khai phat trien bao hiem nong nghiep, nhung giai phap de xuat so sai Ket luan Mac du cd mot so han che nho, nhung Luan van cua Hoc vien Pham Thi Ngoc Lan hoan toan dap ung yeu cau Luan van thac si Chuyen nganh Kinh te bao hiem De nghi Hoi dong cho phep Hoc vien duoc bao ve ket qua nghien cuu cua minh NGUQl VIET NHAN XET XAC NHAN CUA CO QUAN Z°/ TRUONG/KV'' DAi HOC NGOAI THUONG ox TRUONG KT.TRUCNG PHONG id CHUC-HANH CHINH PHO TRUONG PHONG Ths.e/^^» Va/n CAU HOI Cau 1: Neu nhung bat cap chinh ve phia cac doanh nghiep bao hiem Viet Nam tham gia Chuong trinh thi diem cua Chinh phu Nhung bat cap da duoc Luan van de xuat giai quyet nhu the nao Chuong 3? Cau 2: Ngudi nong dan tham gia bao hiem Chuong trinh cd nhtrng kho khan noi bat nao mua bao hiem va duoc boi thudng Nhung ton tai da duoc Luan van de xuat khac phuc nhu the nao Chuong 3? PHU LUC 2.2 Danh sach cac dia phuong tham giathi diem bao hiem nong nghiep STT Tinh/Thanh Huyen Loai hinh bao hiem nong nghiep tham gia thi diem Cay lua Thai Binh Vu Thu, Tien Hai, Thai Thuy Nghe An Quynh Luu, Dien Chau, Yen Thanh, Tuong Cay lua, Vat nuoi Duong, Do Luong, Thanh Chuong Binh Thuan Bac Binh, Ham Thuan Bac, Tanh Linh Cay lua Dong Thap Chau Thanh, Thap muoi, Tan Hong Cay lua Bac Ninh Yen Phong, Que Vo, Thuan Thanh Vat nuoi Dong Nai Tan Phu, Dinh Quan, Xuan Loc Vat nuoi Vinh Phuc Tam Duong, Vinh Tuong, Lap Thach Vat nuoi Ha Noi Chuong My, Ba Vi Vat nuoi Soc Trang My Xuyen, Tran De, Vinh Chau Thuy san 10 Bac Lieu TP Bac Lieu, Dong Hai, Hoa Binh Thuy san 11 Ben Tre Ba Tri, Binh Dai, Giong Trom, Thanh Phu Thuy san 12 Nam Dinh Hai Hau, True Ninh, Vu Ban Cay lua 13 Thanh Hoa Cam Thuy, Hoang Hoa, Yen Dinh Vat nuoi 14 Ca Mau TP Ca Mau, Cai Nudc, Dam Doi Thuy san 15 Tra Vinh Cau Ke, Cau Ngang, Chau Thanh, Duyen Hai, Thuy san Tieu Can 16 Binh Dinh An Nhon, Hoai Nhon, Tay Son Cay lua 17 Binh Duong Ben Cat, Dau Tieng, Tan Uyen Vat nuoi 18 Hai Phong An Duong, Kien Thuy, Tien Lang Vat nuoi 19 Ha Tinh Cam Xuyen, Duc Tho, Huong Khe Cay lua 20 An Giang Chau Phu, Thoai Son, An Phu Cay lua PHU LUC 2.3 Dia ban trien khai thi diem bao hiem nong nghiep cua Bao Viet, Bao Minh STT Ti'nh/Thanh Doanh nghiep bao hiem Loai hinh bao hiem Thai Binh Bao Viet Cay lua Nghe An Bao Viet Cay lua, Vat nuoi Binh Thuan Bao Viet Cay lua Dong Thap Bao Viet Cay lua Bac Ninh Bao Viet Vat nuoi Dong Nai Bao Viet Vat nuoi Vinh Phuc Bao Viet Vat nuoi Ha Noi Bao Viet Vat nuoi Soc Trang Bao Viet Thuy san 10 Bac Lieu Bao Viet Thuy san 11 Ben Tre Bao Minh Thuy san 12 Nam Dinh Bao Minh Cay lua 13 Thanh Hoa Bao Minh Vat nuoi 14 Ca Mau Bao Minh Thuy san 15 Tra Vinh Bao Minh Thuy san 16 Binh Dinh Bao Minh Cay Ilia 17 Binh Duong Bao Minh Vat nuoi 18 Hai Phong Bao Minh Vat nuoi 19 Ha Tinh Bao Minh Cay lua 20 An Giang Bao Minh Cay Ilia Phu Luc 2.4 Muc ho tro' phi bao hiem nong nghiep tir ngan sach trung uong doi voi cac tinh tham gia thi diem bao hiem nong nghiep STT Tinh/Thanh Muc ho tro' til’ ngan sach trung uong 100% I Ha Noi Binh Duong Hai Phong Vinh Phuc Bac Ninh Dong Nai Nam Dinh X Thai Binh X Thanh Hoa X X 10 Nghe An 11 Ha Tinh X X 12 Binh Dinh X 13 Binh Thuan 14 An Giang X Ben Tre X 15 X 16 Tra Vinh X 17 Soc Trang X 18 Dong Thap X 19 Bac Lieu X 20 Ca Mau V Nguon: Cue Quan ly, giam sat bao hiem - Bo Tai chinh 50% X X X X 0% X X Phu Luc 2.5 Kinh phi hoat dong cua Ban chi dao bao hiem nong nghiep Dem vi: Trien dong STT Tinh/ Thanh So tien Ngan sach TW cap cho Ban chi dao Nam 2012 Nam 2013 rTp A Tong Nam Dinh 1.000 500 1.500 Thai Binh 1.000 500 1.500 Nghe An 2.000 1.000 2.500 Ha Tinh Binh Thuan 1.000 500 1.500 1.000 500 1.500 An Giang 1.000 500 1.500 Dong Thap 1.000 500 1.500 Bac Ninh 500 250 1.000 Dong Nai 500 250 750 10 Vinh Phuc 500 250 1.000 11 Hai Phong 500 250 750 12 Thanh Hoa 1.000 500 1.500 13 Binh Dinh Binh Duong 1.000 500 1.500 14 Ha Noi NS Dia phuong tu chu 16 Ben Tre 1.000 500 1.500 17 Soc Trang 1.000 500 1.500 18 Tra Vinh 1.000 500 1.500 19 Bac Lieu 1.000 500 1.500 20 Ca Mau Bo NN&PTNT 1.000 500 1.500 Tong Nam 2011 200 17.200 200 8.700 Nam 2014 Nam 2012 Nam 2013 413 369 150 800 283 97 1.330 150 1.213 652 97 2.112 NS Dia phuong tu chu 15 21 So tien NSNN dia phuong cap cho BCD Tong 782 400 25.900 Ngudn: Cue Quan ly, giam sat bao hiem - Bo Tai chinh PHU LUC 2.6 Pham vi bao hiem thuy san theo cac giai doan Pham vi bao hiem thuy san theo QD 3035/QD-BTC 16/12/2011 cua Bo truong Bo Tai chinh - Tom su: benh dom trang, benh dau vang, benh teo va hoai tu gan - Tom chan trang: benh dom trang, benh dau vang, benh hoi chung Taura, benh teo va hoai tu gan - Ca tra, ca basa: benh gan than mu Pham vi bao hiem thuy san theo QD 2114/QD-BTC 24/08/2012 cua Bo truong Bo Tai chinh su: Benh dom trang, benh dau vang, benh hoai tu co quan tao mau va co quan bieu mo (IHHNV); hoi chung hoai tu gan cap tinh (AHPNS) - Tom - Tom the chan trang: Benh dom trang, benh dau vang, benh hoai tu co quan (Cac dich benh tom/ca noi tao mau va co quan bieu mo tren duoc xac nhan va cong (IHHNV), benh hoai tu co bo bdi co quan chuc nang hay benh duc co vi rut co tham quyen) (IMNV); hoi chung Taura, - Tom/ca chet hang loat hoi chung hoai tu gan va/hoac mat trang thien cap tinh (AHPNS) tai duoc xac nhan va cong - Ca tra: benh gan than mu bo bdi co quan chuc nang co (Cac dich benh tren duoc tham quyen Trong do, cong bo dich benh hoac xac thien tai duoc hieu la bao, nhan dich benh cua co quan lu, lut, han han, ret dam, ret chuc nang co tham quyen) hai, suong gia, xam nhap - Tom/ca chet hang loat man, song than theo quy va/hoac mat trang thien dinh cua Bo Nong nghiep va tai duoc cong bo bdi co Phat trien nong thon duoc quan chuc nang co tham cong bo bdi co quan chuc quyen Trong do, thien tai nang co tham quyen duoc hieu la Bao, lu, lut, han han, ret dam, ret hai, suong gia, xam nhap man, song than, giong, loc xoay theo cong bo thien tai cua co quan chuc nang co tham quyen Pham vi bao hiem thuy san theo QD 1042/QD-BTC 08/5/2013 cua Bo trudng Bo Tai chinh Benh dom trang, benh dau vang, benh hoai tu co quan tao mau va co quan bieu mo (IHHNV); hoi chung hoai tu gan cap tinh (AHPNS) - Tom the chan trang: Benh dom trang, benh dau vang, benh hoai tu co quan tao mau va co quan bieu mo (IHHNV), benh hoai tu co hay benh duc co vi rut (IMNV); hoi chung Taura, hoi chung hoai tu gan cap tinh (AHPNS) Cac dich benh tren duoc cong bo dich benh hoac xac nhan dich benh cua co quan chuc nang co tham quyen - Ca tra: cua co sd nuoi duoc bao hiem bi thiet hai tu 80% trd len benh gan than mu duoc co quan chuc nang co tham quyen cong bo hoac xac nhan - Tom/ ca cua co sd nuoi duoc bao hiem bi thiet hai tu 80% trd len thien tai duoc co quan chuc nang co tham quyen cong bo Trong do, thien tai duoc hieu la Trong do, thien tai duoc hieu la Bao, lu, lut, han han, ret dam, ret hai, suong gia, xam nhap man, song than, giong, loc xoay theo cong bo thien tai cua co quan chuc nang co tham quyen - Tom su: PHU LUC 2.7 Cac tai lieu ho su boi thuong bao hiem thuy san doanh nghiep bao hiem thu thap Theo QD 3035/QD-BTC (ap dung tu Theo QD 2114/QD-BTC (ap dung tu 16/12/2011den truoc 24/8/2012) 24/8/2012 den het 31/12/2013) - Van ban cong bo cua co quan chuc nang co - Van ban cong bo thien tai, dich benh cua Uy tham quyen ve dich benh/thien tai va giay xac ban nhan dan cap tinh Trubng hop dich benh nhan thiet hai cua cac co so nuoi cua xay chua du dieu kien cong bo dich benh Uy ban nhan dan xa theo quy dinh, phai co xac nhan dich benh - Cac giay tb khac co lien quan den viec giai cua Uy ban nhan dan cap huyen quyet boi thubng (theo yeu cau cua doanh - Bien ban giam dinh thiet hai Trubng hop nghiep bao hiem va phu hop vbi quy dinh cua doanh nghiep bao hiem va ngubi duoc bao phap luat) hiem khong thong nhat muc thiet hai, phai co xac nhan muc thiet hai cua co quan chuc nang co tham quyen - Xac nhan nop phi bao hiem - Cac giay tb khac co lien quan den viec giai quyet boi thubng bao hiem theo yeu cau cua doanh nghiep bao hiem va phu hop vbi quy dinh cua phap luat PHU LUC 2.8 Ty le thiet hai duoc bao hiem cho tom chan trang theo Quyet dinh 3035/QD-BTC (duoc ap dung doi vdi cac hop dong bao hiem duoc ky tu 16/12/2011 den trudc 08/5/2013) Ngay nuoi - 10 11-19 20-29 30 - 34 35-39 40-44 45 -49 Ty le thiet hai duoc bao hiem (%) Thien tai Dich benh 17 21 26 32 39 46 15 17 21 26 32 39 46 Ngay nuoi 50-54 55-59 60-(54 65 -(59 70 -14 75-80 Ty le thiet hai duoc bao hiem (%) Thien tai Dich benh - 55 64 54 44 28 16 55 64 73 82 91 100 PHU LUC 2.9 Ty le thiet hai duoc bao hiem cho tom the chan trang theo Quyet dinh 1042/QD-BTC (dupc ap dung doi vdi cac hop dong bao hiem dupc ky tu 08/5/2013 den 31/12/2013) Ngay nuoi - 10 11-13 14- 16 17-19 20-22 23-25 26-^8 29- 31 32-34 35-37 38 -40 41 -43 44 -46 Ty le thiet hai dupc bao hiem (%) Dich benh Thien tai 17 18 19 21 22 24 25 26 29 32 34 36 10 17 18 19 21 22 24 25 26 29 32 34 36 Ngay nuoi Ty le thiet hai dupc bao hiem (%) Dich benh 47 -49 50-52 53-55 56-58 59-61 62 -64 65-(57 68 -70 71-73 74-76 77-79 80 38 25 20 15 0 0 0 0 Thien tai 38 44 50 56 62 68 74 80 86 92 98 100 PHU LUC 2.10 Ty le thiet hai duoc bao hiem cho tom su theo Quyet dinh 3015/QD-BTC (duoc ap dung doi voi cac hop dong bao hiem duoc ky tu 16/12/2011 den het 31/12/2013) Ngay nuoi - 10 Ty le thiet hai duoc bao hiem (%) Thien tai Dich benh 14 Ngay nuoi 70-74 Ty le thiet hai duoc bao hiem (%) Thien tai Dich benh 33 39 11-19 15 15 75-79 28 44 20-29 16 16 80-84 23 49 17 17 85-89 17 54 30-34 35-39 18 18 90-94 15 60 40-44 20 20 95-99 13 66 45-49 22 22 100-104 10 73 50-54 24 24 105-109 79 55-59 27 27 110-114 86 60-64 31 31 116-119 93 65-69 35 35 120 100 PHU LUC 2.11 Ty le thiet hai duoc bao hiem cho ca theo Quyet dinh so 3013/QB-BTC (duoc ap dung cho cac hop dong bao hiem duoc ky tu 16/12/2011 den trudc 08/5/2013) Ngay nuoi I - 10 11-13 14-20 21 -27 28-34 35-41 42-48 49-55 56-62 63-69 70-76 77 -83 84-90 Ty le thiet hai duoc bao hiem (%) Thien tai Dich benh I6 18 21 23 26 29 32 36 40 45 50 54 14 16 18 21 23 26 29 32 36 40 45 50 54 Ngay nuoi 91-97 98-104 105-111 H2-118 119-125 126-132 133-139 140-146 147-153 154-160 161 - 167 168-174 175-182 Ty le thiet hai duoc bao hiem (%) Dich benh Thien tai - 57 61 65 68 70 72 71 69 56 46 36 30 27 59 63 68 71 75 77 80 84 88 91 93 97 100 PHU LUC 2.12 Ty le thiet hai duoc bao hiem cho ca tra theo Quyet dinh 104^2/C^lD-^TC (duoc ap dung cho cac hop dong bao hiem dupc ky tu 08/5/2013 den het 31/12/2013) Ngay nuoi - 10 11-13 14-20 21-27 28-34 35-41 42-48 49- 55 56-62 63-69 70-76 77-83 84-90 Ty le thiet hai duoc bao hiem (%) Dich benh Thien tai 10 12 13 14 16 18 20 22 25 27 14 10 12 13 14 16 18 20 22 25 27 Ngay nuoi Ty le thiet hai duoc bao hiem (%) Dich benh 91-97 98-104 105-111 112- 118 119- 125 126- 132 133 - 139 140- 146 147- 153 154-160 161 - 167 168 - 174 175 - 182 28 30 32 - 34 35 36 0 0 0 Thien tai 28 30 32 34 35 36 46 56 66 77 88 98 100 PHU LUC 2.13 Cac tai lieu ho so' boi thudng bao hiem cay lua doanh nghiep bao hiem thu thap qua cac giai doan Theo QD 3035/QD-BTC (ap dung tir Theo QD 2114/QD-BTC (ap dung tir 16/12/2011 den truoc 24/8/2012) 24/8/2012 den het 31/12/2013) - Cong bo cua co quan chuc nang co tham - Van ban cong bo thien tai, dich benh cua quyen ve str kien bao hiem (thien tai, dich Uy ban nhan dan cap tinh Trudng hop benh) dich benh xay chua du dieu kien cong - Cong bo cua co quan cung cap so lieu ve bo dich benh theo quy dinh, phai co xac nang suat thuc te nhan dich benh cua Uy ban nhan dan cap - Cac giay to khac co lien quan den viec huyen; giai quyet boi thudng (theo yeu cau cua - Van ban cong bo cua co quan cung cap doanh nghiep bao hiem va phu hop vdi so lieu ve nang suat thuc te; quy dinh cua phap luat) - Cac giay to khac cd lien quan den viec giai quyet bdi thudng bao hiem theo yeu cau cua doanh nghiep bao hiem va phu hop vdi quy dinh cua phap luat PHU LUC 2.14 Cac tai lieu ho so’ boi thu’dng bao hiem vat nuoi doanh nghiep bao hiem thu thap qua cac giai doan Theo QD 3035/QD-BTC (ap dung tu Theo QD 2114/QD-BTC (ap dung tu 16/12/2011 den trudc 24/8/2012) 24/8/2012 den het 31/12/2013) - Anh chup vat nuoi bi thiet hai (neu co); - Van ban cong bo thien tai, dich benh cua Uy - Bien ban giam dinh thiet hai ban nhan dan cap tinh Truong hop dich benh - Giay chung nhan vat nuoi bi chet benh, xay chua du dieu kien cong bd dich benh dich benh co xac nhan cua co theo quy dinh, phai co xac nhan dich benh quan thu y co tham quyen cua Uy ban nhan dan cap huyen - Cong bo benh, dich benh hoac thien - Bien ban giam dinh thiet hai Trudng hop tai/quyet dinh tieu huy (neu co) doanh nghiep bao hiem va ngudi duoc bao - Xac nhan nop phi bao hiem hiem khong thdng nhat muc thiet hai, phai co xac nhan muc thiet hai cua co quan chuc nang co tham quyen - Quyet dinh tieu huy trudng hop vat nuoi phai tieu huy theo quy dinh cua co quan chuc nang co tham quyen (neu co) - Xac nhan nop phi bao hiem PHU LUC 2.15 So ho, dien tich lua, dien tich nuoi thuy san, so luong vat nuoi tham gia thi diem bao hiem nong nghiep 2011-2013 So luong ho tham gia STT Tinh/thanh TONG Ho ngheo Ho can ngheo Ho thuong To chuc Dien tich lua BH (ha) So luong vat nuoi tham gia BH (con) (ha) 56.608 219.283 173.750 30.070 15.462 Thai Binh Nghe An Ha Tinh Binh Thuan An Giang 29.846 61.940 23.574 58.897 55 403 112.487 7.477 2.172 1.384 79.865 7.064 2.172 224 6.217 2.640 19.769 325 90 12.853 88 1.070 Dong Thap 3.977 1.954 1.029 993 10.526 B VAT NUOI 62.640 52.843 6.132 3.665 0 Bac Ninh Nghe An Dong Nai Vinh Phuc Hai Phong 592 342 40.471 412 159 514 5.963 3.186 4.293 4.739 35.977 411 5.092 2.578 3.828 3.796 91 3.980 174 601 315 683 697 150 260 0 0 Ha Noi 72 2.912 19 800 15 273 38 1.839 c THUY SAN 8.208 2.054 287 5.867 Soc Trang 3.400 200 1.441 Bac Lieu Ben Tre Tra Vinh 1.465 1.606 81 1.656 1.759 123 143 28 47 30 10 1.295 1.433 80 1.618 0 A CAY LUA Nam Dinh Thanh Hoa Binh Dinh Binh Duong Ca Mau 0 228.647 36.489 - T 24.994 0 1.267.569 8.971 6.407 21.913 3.401 3.663 1.728 12.889 132.560 3.501 758.990 253.306 22.246 57.756 1.013 25.308 56.608 Nguon: Cuc Quan ly, giam sat bao hiem — Bo Tai chinh 290.131 TONG CONG -L— Dien tich nuoi thuy san tham gia BH 5.819 3.214 1.543 523 59 480 1.267.569 5.819 PHU LUC 2.16 Doanh thu phi bao hiem, gia tri bao hiem, boi thuong bao hiem Dem vi: Nghin dong Doanh thu phi bao hiem goc Boi thuong bao hiem goc Tong STT Thanh Tong doanh thu Boi thudng Tong so phi doanh thu Gia tri duoc phi bao bao hiem phi bao bao hiem hiem ngudi tham hiem giir da boi boi NSNN ho gia bao lai thuong thuong trgr hiem nop Tong so Tinh/ thuoc trach Tong so tien Du phdng nhiem giir lai CAY LUA 91.919.478 86.632.187 5.287.291 3.780.028 2.317.306.430 11.209.487 4.647.020 437.381 Nam Djnh 16.242.826 15.848.347 394.479 687.300 346.494.603 0 Thai Binh 12.280.714 12.149.448 131.266 501.103 241.397.000 2.781.361 139.068 Nghe Ah 31.343.382 29.365.883 1.977.499 1.271.265 675.869.375 6.094.778 4.647.020 190.975 Ha Tilth 15.374.634 14.890.117 484.517 669.621 468.215.124 355.079 10.652 Binh Thuan 5.758.262 5.758.262 247.840 120.125.796 0 1.228.549 782.213 446.336 42.417 56.173.787 94.430 2.833 9.691.111 7.837.917 1.853.194 360.482 409.030.746 1.883.839 93.853 83.905.507 80.891.635 3.013.872 3.506.921 2.466.789.670 9.313.898 7.508.500 443.544 550.748 465.394 85.354 25.035 18.251.750 224.030 11.202 47.048.545 46.537.589 510.956 1.998.670 1.330.409.500 2.400.120 5.250.000 120.006 857.083 856.507 576 32.925 23.307.950 0 A , An Giang Dong Thap B VAT NUOI Bac Ninh Nghe An Dong Nai Vinh Phuc 14.528.893 13.842.476 686.417 602.366 445.706.900 2.127.750 2.000.000 104.648 Hai Phdng 2.165.259 2.095.681 69.578 70.691 75.397.308 163.803 4.680 4.914 Thanh Hoa 4.453.640 4.389.856 63.784 173.778 128.749.354 288.780 22.140 9.789 Binh Dinh 8.794.250 8.687.652 106.598 360.591 262.939.232 465.445 20.068 350.905 226.568 124.337 13.940 11.201.476 211.280 Binh Duong Ha Noi 5.156.184 3.789.912 1.366.272 228.926 170.826.200 3.643.970 20.400 172.918 C THUY SAN 218.179.610 128.570.765 89.608.845 7.440.235 2.892.248.393 628.742.115 60.420.927 19.795.254 Soc Trang 85.256.296 55.366.060 29.890.236 2.855.566 1.030.268.202 237.125.446 18.670.831 7.113.763 Bac Lieu 56.810.214 34.663.061 22.147.153 1.893.231 705.725.552 178.938.465 12.867.713 5.368.154 Ben Tre 35.512.670 16.763.140 18.749.530 1.242.442 488.189.238 82.017.170 2.109.783 2.815.402 Tra Vinh 10.155.399 6.086.203 4.069.195 325.035 250.114.372 47.526.675 1.474.498 Ca Mau 30.445.031 15.692.300 14.752.731 1.123.961 417.951.029 83.134.360 26.772.599 3.023.437 394.004.595 296.094.586 97.910.009 14.727.184 7.676.344.493 649.265.500 72.576.447 20.676.179 TONG CONG Ngudn: Cue Quan ly, giam sat bao hiem — Bo Tai chinh