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LOI CAM DOAN Toi xin cam doan luan van la cong trinh nghien cuu cua toi, tat ca cac noi dung tham khao deu duoc trich dan day du tu cac nguon tai lieu cu the Cac ket qua trinh bay luan van la trung thuc va chua duoc cong bo bat ky cong trinh nao khac Ha Noi, 20 thang 04 nam 2011 Ngu’di cam doan Nguyen Van Khoa loi cam on Tac gia xin chan cam on TS Pham Thi Dinh - Truong Khoa Kinh te Bao hiem, Truong Dai hoc Kinh te Quoc dan Ha Noi da nhiet tinh hudng din; cam r r on cac thay co truong Dai hoc Kinh te Quoc dan, cac thay co Khoa Kinh te Bao a a hiem, cac can bo cua Hiep hoi Bao hiem Viet Nam va cac ban be dong nghiep da giup tac gia hoan luan van MUC LUC • • Lai cam doan Lai cam an Danh muc cac chu viet tat Danh muc bang bieu Tom tat luan van MO DAU Chuang 1: CO SO LY THUYET VE VAN DE CANH TRANH TREN THI TRUONG BAO HIEM XE CO GIOI 1.1 Khai quat chung ve bao hiem xe ca gidi a •» r 11.1 Su can thiet cua bao hiem xe ca gidi 1.1.2 Cac san pham bao hiem xe ca gidi 13 1.2 Thi truang bao hiim xe ca gidi 1.2.1 Khai niem ve thi truang bao hiem xe ca gidi 13 1.2.2 Dac trung cua thi truang bao hiem xe ca gidi 14 1.2.3 Dac diem cua san phim bao hiem xe ca gidi .17 1.3 Canh tranh tren thi truang bao hiem xe ca gidi 22 1.3.1 Khai niem ve canh tranh .22 1.3.2 Cac hinh thuc canh tranh 23 Chuang 2: TH^C TRANG VA VAN DE CANH TRANH TREN THJ TRUONG BAO HIEM XE CO GIOI O VIET NAM 26 2.1 Tong quan ve thi truang bao hiem Viet Naim .26 2.1.1 Qua trinh hinh va phat trien cua thi truang bao hiem Viet Nam 26 * ■> 2.1.2 Danh gia nhung ket qua dat duqc cua thi truang bao hiem Viet Nam 30 2.2 Thuc trang thi truang bao hiem xe ca gidi d Viet Nam (2006-2010) 33 2.2.1 Cau truc cua thi truang bao hiem xe ca gidi 33 2.2.2 Ket qua hoat dong 41 2.3 Van de canh tranh tren thi truang bao hiim xe ca gidi d Viet Nam 49 2.3.1 Tinh canh tranh cua thi truong bao hiem xe co gioi d Viet Nam la rat cao va co thi coi la cao nhat tren thi truong bao hiem phi nhan tho .49 2.3.2 Canh tranh tren thi truong bao hiem xe co gioi diin khdc liet tren tat ca cac hinh thuc 52 2.3.3 Canh tranh tren thi truong bao hiem xe co gioi da va dang ton tai nhieu van de khong lanh manh 57 2.4 Nhung nguyen nhan chu yeu 61 2.4.1 Nhung nguyen nhan khach quan 61 2.4.2 Nhung nguyen nhan chu quan tu phia cac doanh nghiep 62 Chirong 3: GIAI PHAP THUC DAY PHAT TRIEN CANH TRANH LANH MANH TREN THI TRUONG BAO HIEM XE CO Gl6l O VIET NAM 64 3.1 Co so xac dinh giai phap 64 3.1.1 Chinh sach phat trien thi truong bao hiem noi chung va bao hiim xe co gioi noi rieng cua Nha nude 64 3.1.2 Tiem nang cua thi truong dich vu bao hiem xeco gioi thoi gian tdi 64 3.1.3 Bien dong moi truong canh tranh dich vu bao hiim xeco gioi thoi gian tdi 66 3.2 Cac giai phap 67 3.2.1 Ve phia Nha nude 67 3.2.2 Ve phia doanh nghiep bao hiem 69 3.3 Mot so kien nghi 84 3.3.1 Kien nghi vdi co quan quan ly Nha nude 84 3.3.2 Kien nghi vdi Hiep hoi bao hiem 85 3.3.3 Khuyen cao vdi khach hang 85 KET LUAN 86 TAI LIEU THAM KHAO 88 DANH MUC CAC CHU VIET TAT BHXCG: bao hiBm xe co gidi DNBH: Doanh nghiep bao hiem PNT: phi nhan tho SMS: he thong nh&n tin SPBH: San pham bao hiem TNDS: trach nhiem dan sy TNLP: tai nan lai xe va ngudi ngoi tren xe VCX: WTO: vat chat xe • F To chiic thuong mai The gidi XCG: xe co gidi •> DANH MUC BANG BIEU Bang 2.1 Cac chi tieu ca ban ve tinh hinh phat trien thi truong bao hi£m Viet Nam giai doan 1993-2010 29 Bang 2.0: So luong doanh nghiep bao hiim PNT dang hoat dong ben thi truong (0006-0010) 34 Bang 0.3 Doanh thu phi bao hiem goc va toc tang truong cua BHXCG (0006 20101 40 Bang 2.4: XCG nhap khau, lap rap nuoc giai doan 2006-2010 44 Bang 2.5: SO luong xe oto dang luu hanh giai doan 0006-2010 44 Bang 0.6 Tinh hinh bOi thuong cua BHXCG (0006^-^Gl (0) 46 Bang 0.7 Ty le boi thuong BHXCG cua mot so doanh nghiep bao hiem (0006 20100 46 Bang 0.8: Ty bong doanh thu phi BHXCG bong tOng doanh thu phi bao hiim cua mot sO doanh nghiep (0006-20101 50 Bang 0.9 Toc tang truong doanh thu phi BHXCG toan thi truong (2006-0010)51 Bang 2.10: Thi phan BHXCG cua cac doanh nghiep giai doan 0006-0010 51 Bang 0.11: Ty le phi ca ban cua bao hiem vat chit xe cua mot sO DNBH tren thi truong tai thoi diem 31/12/2010 50 Bang 2.10: Ty le chi tra hoa hong bao hiem XCG cua mot so doanh nghiep 59 Bang 3.1: Du bao so luong XCG luu hanh tai Viet Nam giai doan 2011 -2015 65 =3 JJ TRUONG DAI HOC KINH TE QUOC DAN ■ ■ — SOSo£3g8G8 - NGUYEN VAN KHOA VAN DE CANH TRANH THEN THI TRUdNG BAO HIEM XE CO GIOI OVIET NAM HIEN NAY ■ ■ CHUYEN NGANH: KINH TE HQC (KINH TE BAO HIEM) TOM TAT LUAN VAN THAC Si nA moi, mAm ton Tinh cap thief cua de tai nghien cu*u Thi truong bao hidm Viet Nam, co bao hiem xe co gioi (BHXCG), muon ton tai va phat trien, viec day manh canh tranh la rat can thiet, dac biet Viet Nam da gia nhap cac to chuc kinh te the gioi Thi truong bao hiem Viet Nam da co s\r phat triin nhanh chong, dac biet la BHXCG Day la mot nhung dich vu bao hiem truyen thong, de trien khai Vi vay, cac doanh nghiep bao hiem d Viet Nam thubng tap trung cho thi truong BHXCG va BHXCG luon chiSm ty doanh thu phi bao hiem ldn cua thi truong bao hiem phi nhan tho •> r Trong thoi gian qua, cung vdi viec mu cua thi truong bao hiem theo cam ket cua 1q trinh gia nhap WTO, thi truong bao hiem Viet Nam cang canh tranh khdc liet Thi truong BHXCG da va dang xuat hien nhieu dau hieu canh tranh khong lanh manh, lam cho su phat trien cua thi truong thieu di tinh ben vung va khong hieu qua Xuat phat tu thuc te do, la ngudi true tiep lam viec nganh bao hiem, tac gia lua chon de tai “Van de canh tranh tren thi truong bao hiem Xe co gioi d Viet Nam hien nay” de nghien cuu Muc tieu nghien ciru: - He thong hoa nhung van de chung ve BHXCG va van de canh tranh tren thi truong - Phan tich thuc trang thi truong BHXCG d Viet Nam va nhung van de canh tranh dang dat - Dua cac giai phap nhSm han ch£ nhung tieu cue canh tranh va thuc diy thi truong bao hiem XCG phat trien Doi twang va pham vi nghien cihi Ddi tirgmg nghien ciru: Th\rc trang hoat dong kinh doanh bao hidm XCG va vdn de canh tranh tren thi truong bao hiem XCG Viet Nam Pham vi nghien ciru: - Khong gian: Hoat dQng kinh doanh BHXCG cua cac DNBH phi nhan tho tren pham vi toan quoc; - Thoi gian: Tu ndm 2006 den nSm 2010 va dinh hudng cho giai doan tiep theo tu ndm 2011 den ndm 2015 ii Phircmg phap nghien cihi De tai luan van su dung phuong phap luan chung la: vat bien chung va vat lich su cung cac phuong phap nghien cuu cu thi nhu: phan tich, tong hop, thong ke, du bao, so sanh va mo hinh hoa Mot so dong gop cua luan van - He thong hoa mot so van de co ban ve canh tranh tren thi truong BHXCG - Phan tich thuc trang thi truong BHXCG d Viet Nam va mot so vin de ve canh tranh dang dat - Dua cac giai phap diy manh canh tranh lanh manh va phat trien thi truong BHXCG d Viet Nam Ket cau cua luan van Ngoai phin mo diu, kit luan, luan van dupe kit ciu ba chuong: Chuang 1: Ca so ly thuyet ve van de canh tranh tren thi truong bao hiem xe ca giai Chuang 2: Thuc trang va van de canh tranh tren thi truong bao hiem xe ca giai a Viet Nam Chuang Gidi phap thuc day phat trien canh tranh lanh manh tren thi truong bao hiem xe ca gicri a Viet Nam Chmmg 1: CO SO LY THUYET VE VAN DE CANH TRANH TREN THJ TRVONG BAO HIEM XE CO GlOl 1.1 Khai quat chung ve bao hiem xe co gidi - Khai niem vexe ca gidi: XCG bao gom xe to, may keo, xe may thi cong, xe may nong nghiep, lam nghiep va cac loai xe dSc chung khac su dung vao muc dich an ninh, quoc phong (ke ca ro-mooc va so mi ro-mooc dupe keo boi xe o to hoac may keo), xe mo to hai banh, xe mo to ba banh, xe gin may va cac loai xe co gidi tuong tu (ke ca xe co gidi dung cho ngudi tan tat) cd tham gia giao thong - Dae diem hoat dong cua cac phuang tien XCG: Xe co gidi tham gia vao hau het qua trinh van chuyin ngudi va hang hod giao thong dudng bo nen xac xuat rui ro la rit ldn; Xe co gidi tham gia giao thong dudng bp phu thupc rat ldn vao co so 78 co co so dieu chinh phi linh hoat, vira dam bao hieu qua kinh doanh, vtra dap ung each hieu qua thi mdi doanh nghiep phai xay dung duoc co so du lieu chi tiet Trong BHXCG ty le boi thuang ty le nghich vdi ty le phi bao hiem Nghiep vu bao hidm XCG dugc cho la hieu qua ty le boi thuang dudi 60% va ty le bdi thudng co the chap nhan dugc la dudi 70% Nhu vay, gia dinh mot doanh nghiep bao hiem co ty le bdi thudng rat tot dudi 30% thi hoan toan co the giam ty le phi dd tang tinh canh tranh, ngugc lai ty le bdi thudng gia dinh la 90% thi doanh nghiep phai tang ty le phi cung vdi viec thuc hien tdt cac bien phap quan ly rui ro dd co the dua ty le bdi thudng ve ty le bdi thudng muc tieu Viec dinh phi bao hidm tren can cu vao tdng hoa cac yeu td, yeu td noi tai cua doanh nghiep nhu: ty le bdi thudng hien tai, ty le bdi thudng muc tieu, cac bien phap quan ly rui ro hien tai, cac bien phap quan ly rui ro du kien se ap dung; ngoai r r r f yeu td npi tai thi viec dinh phi cung can cu vao cac yeu td khac nhu dinh gia / •> •> r theo ddi thu canh tranh hoSc thi trudng de co thd xac dinh gia canh tranh nhat tren tung khu vuc thi trudng Ddi vdi cac khach hang su dung xe ddi mdi, dat tien thi chit lugng dich vu phai tdt nhat (sua chua, thay phu tung chinh hang, khong tinh khiu hao vat tu cu r r thay mdi ); ddi vdi cac khach hang quan ly xe tot, co dpi xe ldn thi giam phi bao hidm de canh tranh nhung khong giam chit lugng dich vu; rieng ddi vdi cac dong xe re tien, ddi tugng khach hang quan tarn nhidu ddn gia thi ap dung muc phi canh tranh, khong md rong quydn lgi bao hidm \ F Thye hien phan cap manh ve chinh sach linh hoat phi bao hidm cho cac dan r r •» vi vien, d$c biet ddi vdi cac dan vi co tang trudng doanh sd phi bao hidm cao x f f > va ty le bdi thudng thap Tat nhien, cac doanh nghiep can phai tang cudng cong tac quan ly tranh canh tranh lan hp thong va mat uy tin doanh nghiep Phi bao hiem thu duoc bing ty le phi nhan voi so tien tham gia bao hidm (gia tri xe) Nhu vay, de xac dinh dung, du phi bao hidm thi ngoai yeu to ty le phi bao t ■7 hiem phu hop phai xac dinh dung gia tri tham gia bao hiem (gia tri xe) Tuy nhien, mot so nguyen nhan thi thong tin ve gia tri xe rat thieu: thi truong xe to Viet Nam phat trien nhanh ve so luong va chung loai xe, gia xe bien dong nhieu thay doi chinh sach thud cua nha nude, chu xe khai bao gia tri xac dinh gia tri doi vdi xe da qua su dung Viec xac dinh gia tri xe khong dung se anh hudng den hoat dong kinh doanh bao hiem: Xac dinh gia tri xe thlp din tdi thu phi thap - hien tuong true lpi phi bao hiem, khi xe bi thiet hai thi lai phai bdi thudng theo gia tri thuc td; xac dinh gia tri xe cao hon gia thuc td din tdi khach hang true led bao hidm ddi bdi thudng toan bo Nhu vay, viec thieu co sd xac dinh gia tri xe se din tdi keo dai thoi thoi gian nhan bao hiem cung nhu giai quyet bdi thudng Vi vay, de cd the thu dung, thu du phi bao hidm, xac dinh gia tri xe tham gia r •> bao hidm phu hop, tranh tranh chap vdi khach hang, cac doanh nghiep can thiet phai xay dung va thudng xuyen cap nhat co sd du lieu gia tri cua cac chung loai xe tren he thdng de cac don vi vien cd thd thdng nhat su dung Co sd du lieu gia tri xe cho phep tra cuu nhanh va dung gia xe nhan bao hidm c Da dang hod san pham dich vu \ •> Yeu cau san pham mdi mang tinh d$c trung, linh hoat, lam cho cac ddi thu canh tranh khong thd so sanh san pham true tidp, cac san pham bao hidm linh hoat nhu (dieu khoan bao hiem xe tu nhan, dieu khoan bao hidm xe thuong mai, bao •f •> rv hiem cho nhom, loai xe ), dac bipt thiet ke cac san pham cd dich vu hd tro ky thuat cao MQt sd san phlm sau cd thd xem xet nghien cuu nhu: + Bao hidm cho trudng hop lai xe udng ruou bia, hoac vi ly nao (dm met, chong mat ) ma chu xe khong thd tu lai xe ve nha thi bao hidm dieu xe cuu ho tdi keo xe ve nha giup 80 Hien nay, xe tu nhan, cac chu doanh nghiep thuong tu lai xe, lam viec f f moi doi tac hoac moi ban be giao luu co uong rugu bia rugu nen truong hop > f > f f da uong bia ruou qua lieu luong quy dinh, khong muon lai xe ve hoac cam thay tinh huong lai xe khong an toan thi goi dien cuu ho dd keo, dua ngudi va phuong tien vd nha Dich vu gia tSng cho khach hang tren nhieu phuong dien: F » f Thu nhat la giup khach hang co the “vui tron ven” vdi ban be, ddi tac ma khong so tinh trang “qua chen” Thu hai giup khach hang tuan thu dung luat le giao thdng A F ■> dudng bo, uong ruou bia se khong duoc dieu khien phuong tien Thu ba la se giup nghiem la lai xe khong lam chu tdc do udng ruou bia (Tai Phap, 40% cac truong hap tai nan thuong tich va 4.000 truong hap tic vong tai nan giao pip thdng co nguyen nhan lien quan den sic dung ruou O Thdi Lan, so cao han: 62%.} + Bao hidm sua xe tron goi: Hien nay, nhieu trudng hop khach hang ca nhan, doanh nghiep ban kinh doanh hay ly nao do, xe bi tai nan (tru trudng hop tai nan nghiem bi CSGT thu giu phuong tien), ma thiet hai xe lam cho xe khong thd di tiep hoac chu F > xe co nhu cau sua xe va cd nhu cau di cong viec gap can co phuong tien su F dung thay thd Trong trudng hop nay, doanh nghiep dua tdi cho ngudi su dung phuong tien su dung thay thd, ddng thdi nhan ban giao phuong tien bi tai nan dd dua vao xudng khac phuc su cd, khAc phuc xe xong thi ban giao xe cho khach hang va nhan lai chide xe da cho muon su dung Dich vu gia tang cho khach hang d phuong dien: khach hang co phuong tien de tiep tuc hoat dong, khong lam gian doan qua trinh san xuAt kinh doanh, su dung, khach hang khong mat thdi gian dua phuong tien di sua chua Thdi gian sua chua xe sd nhanh vi doanh nghiep phai thu hoi lai xe da cho muon F F Cac ddi tuong khach hang 02 trudng hgp tren se quan tarn tdi chat lugng dich vu va cac gia tri gia tang, va hg sin sang toan d muc phi hgp ly, va 81 nhu vay, doanh nghiep bao hidm co co hoi tang doanh thu Cac bien phap trudc mat tap trung tai cac dia ban didm nhu Ha Noi, T.P HCM d Nang cao ch&t luong doi ngu can bo - Tdng cuong cong tdc dao tao, tap huan nghiep vu: \ \ Cung vdi viec ddi mdi ve san pham nhu tren thi cac doanh nghiep cung can X quan tarn tdi cong tac dao tao nham nang cao trinh nghiep vu bao hiem, ky nang tu van ban hang va y thuc trach nhiem cua ngudi lao dong ddi vdi qua trinh khai thac bao hiem cung nhu giam dinh ton that Trien khai nghiem tuc quy trinh cap GCN BHXCG Danh gia day du muc rui ro, gia tri bao hidm, muc trach nhiem r r bao hiem, che quan ly rui ro cua khach hang trudc cap GCN bao hiem Tao dieu kien cho khach hang toan phi bao hidm bang nhidu phuomg thuc, thuyet phuc va don doc khach hang toan phi dung han dd dam bao quyen lqri ton that phat sinh trach nhiem bdi thudng r r 99 * x x Cap giay sua ddi bo sung didu khoan, didu kien, chuyen quyen thu hudng, chuyen quyen sd huu cho khach hang mien phi, ndu nhu viec khong lam tang muc rui ro cua ddi tuong da tham gia bao hidm - Co chinh sach phu hap de giu chan nguai lao dong gidi: vu chuyen nghiep (vi ngudi thuc hien cac cam kdt va cong nghe giup ho thuc hien cam kdt vdi khach hang mot each hieu qua) 82 Hien nay, toc phat trien nhanh chong ca ve so luong va quy md sau rong cua cac cong ty bao hiem, nen thi truong dang rat thieu nguon nhan luc chat luong cao cho nganh Thi trudng xuat hien lan song dich chuydn lao dong giua cac cong ty bao hiem Do vay, moi doanh nghiep bao hidm PNT cin xac dinh ro nguy r co chay mau chat xam, hoach dinh cac bien phap giu chan ngudi lao dong Thuc hien viec tra luong theo hieu qua cong viec, khuyen khich nhung ca nhan co tich xuat sac cong viec Co chinh sach tot viec dai ngo nhan tai, khuyen khich su dong gop cua mdi ca nhan ngudi lao dong Thuc hiem nguyen tic tra luong, thudng theo chuc danh dam bao: - Cong bang npi bp va canh tranh doi vdi ben ngoai dd co thd thu hut va giu chan nhung ngudi gidi, ngudi lao dong hieu qua, cd nang suit lao dong cao - Dinh hudng theo hieu qua lam viec de xay dung mot he thdng quan ly lam viec hieu qua, gin ket giua luong vdi hieu qua lam vipc, khich le va khen thudng r > sang kien ca nhan va tinh than lanh dao - Hudng ve hoat dong kinh doanh de dam bao cac chidn lupc luong thudng hd tro cac muc tieu va muc dich kinh doanh - Xay dung ke hoach dao tao, ban dao tao theo chuc danh nhSm lien tuc nang cao trinh dp, ky ning nghiep vu cho ngudi lao dong - Tilng cuong cong tac tuyen chon nhan vien gidi Thuc hien tot hon nua cong tac phat hien, bdi duong nhan tai tai cac trudng dai hpc Hd tro, tao didu kien cho cac sinh vien xuat sac ve lam viec tai doanh nghiep r t - Thuc hien tot chinh sach bo nhiem va bai nhiem can bp Hang nam soat i r luc luong lao dpng de bo tri va su dung can bp nhan vien phu hop vdi trinh dp va kinh nghiem; dinh ky liy phieu tin nhiem cac cap lanh dao cua doanh nghiep va cac don vi vien nhim bo nhiem va bai nhiem chinh xac cac nhan su lanh dao, tao dpng lye, mdi trudng va co hpi phat triin binh ding, kich thich tinh thin lao dong, thai dp ddi vdi nghe nghiep cua can bp nhan vien 83 e Ddi mdi cong nghe Trien khai cac phan mem quan ly nghiep vu dap ung tot yeu cau quan ly nghiep vu Phan mem quan ly nghiep vu phai dam bao lien thong, tan dung va khai thac du lieu cua Yeu cau doi vdi chucmg trinh thdng ke phu hop la: r •> - Quan ly khach hang tot horn, cho phep tap trung hoa va kiem soat co sd du lieu khach hang de tang ty le tai tuc Hoat dong tai tuc tot se giam duoc chi phi khai thac Su dung chuong trinh quan ly khach hang giup cho doanh nghiep kidm soat su bien dong cua khach hang hang quy, hang nam, tir cd the tim duoc cac nguyen nhan va de cac bien phap dieu chinh phu hop, giup cho cong tac khai thac cang hieu qua hon - Thdng ke va xay dung duoc cac chi tieu kinh te, giup cho viec quan ly va phan loai rui ro lam co sd cho viec dinh phi bao hidm theo dac didm, pham vi bao hidm, tir cd thd xay dung duoc goi phi bao hidm phu hop - Giup cho viec giai quyet tai nan va boi thuong nang cao hieu qua kinh doanh: Viec online ho so khieu nai boi thuong se lam cho cac don vi cung doanh nghiep nim dugc qua trinh giai quyet tai nan tir khau khai bao ban dau ddn khau giai quyet boi thuong - Chuong trinh cho phep tinh chuAn cac khoan trich lap du phong phi phu hop, nang cao hieu qua kinh doanh - Chuong trinh cho phep viec lap bao gia, lap hgp ddng, cAp An chi, cAp cac sua ddi bd sung, thdng bao tai tuc bao hidm tir may tinh Dieu cho phep viec phuc vu khach hang dugc chuyen nghiep, nhanh chong hon f Thuc hien tot cong tac quan ly rui ro, chdng true Iffi bao hiem Thye hien tot cong tac chdng true lgi bao hidm sd gop giam chi phi boi thuong va chi phi dieu tra, xac minh tai nam; loai bd y dd gian lan bao hiem, ngan chan su tiep tay cua cac ben co lien quan, gop phan bao ve khach hang (giup boi 84 thuang nhanh, co dieu kien giam phi bao hiim) va gop phin quang ba uy tin cua doanh nghiep bao hiim + Mot so bien phap phong chong true lgi bao hiim de nghi la: Lap danh sach khach hang den de cac Cong ty luu y; Dao tao, giao due y thuc nhan vien toan he thong ve kien thuc, ky nang du kha nang phat hien, dieu tra, xu ly true lgi bao hiim qua trinh thuc hien nhiem vu chuyen mon; Xay dung nhung canh bao, bien phap, hanh dong, quy trinh, nhim ngan chan, phat hien sum y true lgi bao hiem Tong hgp, phan tich ket qua, kinh nghiem, bai hoc tiin tai xay dung cac van ban phap ly ve phong chong true lgi bao hiim nhim thi chi hoa cong tac phong chong true lgi bao hiem tren pham vi toan thi truang 3.3 Mot so kien nghi 3.3.1 Kien nghi vdi cor quan quan ly Nhd mrorc De nghi Bo Tai chinh, Bq Cong an, Bq GTVT trien khai manh me cac hoat dong kiem tra kiem soat viec thuc hien mua bao hiim bat buoc theo quy dinh cua nha nudc Ting cuong cong tac xu phat hanh chinh de tang tinh giao due chip hanh phap luat ve bao hiem cua cac to chuc, doanh nghiep va ca nhan Day manh viec kiim tra, tra cac DNBH PNT viec thuc hien cung cap dich vu bao hiim, die biet ve BHXCG theo dung cac quy dinh cua phap luat, di cac doanh nghiep canh tranh binh ding Co chi tai xu phat that nang ddi vdi cac hanh vi canh tranh khong lanh manh cua cac doanh nghiep bao hiim hoat dong kinh doanh bao hiem ndi chung va BHXCG ndi rieng 85 3.3.2 Kien nghi vdi Hiep hoi bao hiem Nang cao vai tro dieu tiet, thong nhat hanh dong cua Hiep hoi doi vdi cac hoat dong hop tac, canh tranh binh dang, cung co loi cua cac DNBH Thu thap, phan tich cac thdng tin thi trudng bao hiem Viet Nam va quoc te, kip thdi cung cap cho cac DNBH de ho cd cac chinh sach phat trien kinh doanh phu hop, canh tranh lanh manh vdi Tien hanh xay dung he thdng thdng tin chung giua cac doanh nghiep ve nghiep vu bao hiem XCG noi rieng va cac nghiep vu bao hiem khac noi chung de cd bien phap de phong han che tdn that hieu qua Dong thdi de cac doanh nghiep bao •> r hiem nSm duoc lich su rui ro cua khach hang Phoi hop vdi cac td chuc dao tao bao hidm nude va quoc te td chuc cac khoa dao tao bao hiem co ban va chuyen sau cho can bo, nhan vien cac cong ty bao •> x •> r x hiem cd nhu cau, nhSm trang bi kien thuc bao hiem cang sau rong cho can bo nhan vien nganh bao hiem Phoi hop vdi cac co quan chuc nang de tang cudng tuyen truyen y thuc chap hanh phap luat ve bao hiem, dong thdi thuc hien cac chuong trinh vd an toan giao 7 F X thdng de tang cudng hieu biet ve y nghia va muc dich cua bao hiem nhan dan 3.3.3 Khuyen cao voi khach hang X Tren co sd nhung phan tich ve thuc trang canh tranh tren thi trudng va nhung bieu hien tieu cue canh tranh dich vu bao hidm XCG tren day Luan van mong muon truyen dat duoc nhung npi dung tdi nhung khach hang da, dang va se su dung dich vu bao hiem XCG mot sd luu y nhu sau: Khong nen quyet dinh lua chon mua bao hidm chua duoc cung cap, giai thich ro nhung didu kien, didu khoan bao hidm ma minh lua chon Khong nen so sanh san pham dich vu giua cac doanh nghiep chi bang phi bao hidm 86 KET LUAN Dich vu BHXCG luon la dich vu bao hiim cot ldi, xuong song co ban cua •> m r _ moi doanh nghiep bao hiem PNT tren the gidi cung nhu d Viet Nam Nd mang lai nguon doanh thu dang ke cho cac cong ty bao hiem Trong nhung nam qua, dac biet tu gia nhap WTO, vdi viec thuc hien cac cam ket ve md cua thi trudng tai chinh, thi trudng bao hiem noi chung va thi trudng BHXCG noi rieng phat trien manh me, ddng thdi canh tranh tren thi trudng cung cang trd nen gay gat Thi trudng bao hiem XCG da va dang xuat hien nhieu biAu hien canh tranh khong lanh XCG noi chung va cac doanh nghiep bao hiem thi trudng bao hiim XCG noi X F X rieng Chinh vi ly do, tac gia da chon de tai luan van “Van de canh tranh tren thi •> X f trudng bao hiem XCG d viet Nam hien nay” nham dua nhung giai phap, kien < f ■ X nghi, gop phan giup cac doanh nghiep bao hiem co nhung cai nhin tich cue canh tranh, ddng thdi giup doanh nghiep co chien luge phat trien ben vung va hieu qua f r r y Luan van da giai quyet dugc mot sd van de sau: - Gidi thieu tong quan ve BHXCG, cac loai hinh BHXCG va dac diem dich vu BHXCG - He thdng hoa dugc nhung van de ly luan co ban vd canh tranh cua thi trudng bao hiem xe co gidi x F - Phan tich thuc trang thi trudng va van de canh tranh tren thi trudng bao hiem XCG d Viet Nam Luan van neu dugc nhung tdn tai tieu cue canh tranh tren thi trudng bao hidm XCG F X F F Xuat phat tir dieu kien nudc va quoc te, cac dinh hudng phat trien thi trudng bao hiem noi chung va BHXCG noi rieng cua Bg Tai chinh, du bao mdi trudng dich vu BHXCG va can cu vao kdt qua phan tich thuc trang vAn de canh tranh cua dich vu BHXCG tren thi trudng, luan van da de cac giai phap thuc dAy 87 phat trien canh tranh lanh manh tren thi truang bao hiim XCG a Viet Nam thai gian tai Cac giai phap bao gom: nang cao chat lugng dich vu, linh hoat chinh sach phi bao hiim, da dang hoa tao su khac biet vi dich vu, thuc hien tit cong tac chong true lgi bao hiem, nang cao hieu qua cac hoat dong xue tien hin hgp, Tac gia xin chan cam an TS Pham Thi Dinh - Truang Khoa Kinh ti Bao hiim, truang Dai hoc Kinh te Quoc dan da nhiet tinh huang dan; cam an cac thay co truang Dai hoc Kinh te Quoc dan, cac thay co Khoa Kinh ti Bao hiim, cac can bo cua Hiep hpi Bao hiem Viet Nam, Cue dang kiem Viet Nam, Bao hiem Bao Viet, Bao Minh, GIC va cac ban be dong nghiep da giup da tac gia hoan luan v&n 88 TAI LIEU THAM KHAO Bo mon kinh te bao hiem, Truong Dai hpc Kinh te Quoc dan Ha Noi (2005), Giao trinh bao hiem, Nha xuat ban thong ke Ha Noi Bo mon kinh te bao hiem Truong Dai hQc Kinh te Quoc dan Ha Noi (2009), Giao trinh quan tri kinh doanh bao hiem, Nha xuat ban thong ke Ha Noi Bq Tai chinh Viet Nam (2006 -2009), Thi truong bao hiem Viet Nam nam 2006, 2007, 2008, 2009, Nha xuat ban Tai chinh Bq Tai chinh Viet Nam (2008), Thdng tu sd 126/2008/TT-BTC 22/12/2008 cua Bo truong Bo Tdi chinh ve viec ban hanh quy tac, bieu phi bao hiem bat buoc TNDS cua chu XCG Chinh phu Viet Nam (2003), Chien luqc phat trien thi trudng bao hiem Viet r r r Nam tu nam 2003 den nam 2010 ban hanh kem theo Quyet dinh sd 175/2003/QD-TTg 29/08/2003 cua Thu Tuong Chinh phu Chinh phu Viet Nam (2007), Nghi dinh sd 45/2007/ND-CP 27/03/2007 cua Chinh phu quy dinh chi tiet thi hanh mot sd dieu cua Luat kinh doanh bao hiem Cue Ding kiem Viet Nam (2006-2010), Tdng hop sd lieu ve phuong tien giao thdng cd nude nam 2006, 2007, 2008, 2009, 2010 Hiep hQi bao hiem Viet Nam (2006-2010), Ban tin (Sd lieu thi trudng bao hiem Viet Nam) Michael Porter (1996), Chien luqc kinh doanh, NXB khoa hoc ky thuat, Ha NQi 10 Quoc hpi Viet Nam (2000), Luat kinh doanh bao hiem Viet Nam nam 2000 11 Tong cue thong ke Viet Nam (2006-2010), Thdng tin ve cac chi tieu kinh te - xa hqi tai trang web: www.gso.gov.vn 89 Phu luc 1: S6 LUONG XE OTO TAI VIET NAM GIAI DOAN 1990-2010 Dot? vi tinh: chiec nr a ja Nam Xe Xe khach Xe tai Xe khac Tong o to 1990 147.800 40.000 100.100 50.100 338.000 1991 148.300 41.000 105.400 50.900 345.600 1992 148.700 43.200 109.500 51.800 353.200 1993 149.900 44.500 110.900 53.500 358.800 1994 152.200 44.900 115.200 54.700 367.000 1995 153.100 47.100 119.200 55.800 375.200 1996 154.200 47.500 123.400 57.300 382.400 1997 155.000 48.100 125.400 58.000 386.500 1998 158.000 49.500 128.300 59.100 394.900 1999 160.000 50.000 130.000 60.000 400.000 2000 162.000 55.000 155.000 65.000 437.000 2001 164.000 59.000 160.000 68.000 451.000 2002 168.000 61.000 170.000 70.000 469.000 2003 176.000 68.000 190.000 78.000 512.000 2004 178.210 71.979 192.744 80.576 523.509 2005 208.760 80.033 225.658 87.078 601.529 2006 239.020 80.835 255.405 80.493 655.753 2007 301.195 89.240 316.914 79.329 786.678 2008 383.717 96.561 397.894 68.429 946.601 2009 483.566 103.501 476.401 74.465 1.137.933 2010 617.473 117.061 563.401 96.923 1.394.858 a Nguon: Cue Ddng kiem Viet Nam 90 Phu lyc 2: CAC KET QUA DI BAO THEO EVIEWS4 Dat bien: + T: bien thai gian, vai quan sat dau (nam 1990) nhan gia tri + T2: T2 = T2 + T3: T3 = T3 + T4: T4 = T4 + XC: so lugng xe + XT: so lugng xe tai + XK: so lugng xe khach + XCL: so lugng cac loai xe to khac Cac ket qua udc luong theo Eviews4 + Ket qua wore Iwomg so Iwomg xe Dependent Variable: XC Method: Least Squares Date: 05/10/11 Time: 14:15 Sample: 1990 2010 Included observations: 21 Variable Coefficient Std Error t-Statistic Prob C T T2 T3 T4 152458.3 -10605.11 4220.692 -491.2032 18.24255 3800.659 2771.901 584.4321 44.43065 1.101517 40.11364 -3.825935 7.221868 -11.05550 16.56130 0.0000 0.0015 0.0000 0.0000 0.0000 R-squared Adjusted R-squared S.E of regression Sum squared resid Log likelihood Durbin-Watson stat 0.998979 0.998724 4516.321 3.26E+08 -203.6669 1.344370 Mean dependent var S.D dependent var Akaike info criterion Schwarz criterion F-statistic Prob(F-statistic^ Estimation Command: LSXC CTT2 T3 T4 Estimation Equation: XC = C(l) + C(2)*T + C(3)*T2 + C(4)*T3 + C(5)*T4 219482.9 126419.8 19.87304 20.12174 3913.693 0.000000 91 Substituted Coefficients: XC = 152458,3 - 10605,l*T + 4220,7*T2 - 491,2*T3 + 18,2*T4 + Ket qua udc luong so luong xe khach Dependent Variable: XK Method: Least Squares Date: 05/10/11 Time: 14:18 Sample: 1990 2010 Included observations: 21 Variable Coefficient Std Error t-Statistic Prob C T T2 T3 T4 40168.19 1628.146 -193.1371 21.07042 -0.307659 1371.536 1000.290 210.9028 16.03359 0.397502 29.28702 1.627674 -0.915763 1.314142 -0.773982 0.0000 0.1231 0.3734 0.2073 0.4502 R-squared Adjusted R-squared S.E of regression Sum squared resid Log likelihood Durbin-Watson stat 0.995876 0.994845 1629.795 42499708 -182.2628 2.012652 Mean dependent var S.D dependent var Akaike info criterion Schwarz criterion F-statistic Prob(F-statistic} 63714.76 22700.36 17.83455 18.08325 965.9949 0.000000 Estimation Command: LS XK C T T2 T3 T4 Estimation Equation: XK = C(l) + C(2)*T + C(3)*T2 + C(4)*T3 + C(5)*T4 Substituted Coefficients: XK = 40168,2 + 1628,1*T- 193,1*T2 + 21,1*T3 - 0,3*T4 + Ket qua udc luong so luong xe tai Dependent Variable: XT Method: Least Squares Date: 05/10/11 Time: 14:19 Sample: 1990 2010 Included observations: 21 Variable Coefficient Std Error t-Statistic Prob C T T2 T3 T4 103372.7 -1616.754 1847.834 -223.7573 9.691786 6677.490 4870.035 1026.806 78.06153 1.935287 15.48078 -0.331980 1.799593 -2.866423 5.007932 0.0000 0.7442 0.0908 0.0112 0.0001 R-squared 0.997035 Mean dependent var 203372.2 92 Adjusted R-squared S.E of regression Sum squared resid Log likelihood Durbin-Watson stat 0.996293 7934.858 1.01 E+09 -215.5018 1.503676 S.D dependent var Akaike info criterion Schwarz criterion F-statistic Prob(F-statistic) 130327.9 21.00018 21.24887 1344.858 0.000000 Estimation Command: LS XT C T T2 T3 T4 Estimation Equation: XT = C(l) + C(2)*T + C(3)*T2 + C(4)*T3 + C(5)*T4 Substituted Coefficients: XT = 103372,7- 1616,7*T + 1847,8* T2 - 223,8*T3 + 9,7*T4 + Ket qua wire luong so xe o to khac Dependent Variable: XCL Method: Least Squares Date: 05/10/11 Time: 14:21 Sample: 1990 2010 Included observations: 21 Variable Coefficient Std Error t-Statistic Prob C T T2 T3 T4 52382.11 -2235.908 744.3979 -47.01968 0.977153 5126.529 3738.886 788.3129 59.93041 1.485784 10.21785 -0.598014 0.944292 -0.784571 0.657668 0.0000 0.5582 0.3591 0.4442 0.5201 R-squared Adjusted R-squared S.E of regression Sum squared resid Log likelihood Durbin-Watson stat 0.831712 0.789641 6091.852 5.94E+08 -209.9513 1.253805 Mean dependent var S.D dependentvar Akaike info criterion Schwarz criterion F-statistic Prob(F-statistic^ Estimation Command: LS XCL C T T2 T3 T4 ■Estimation Equation: XCL = C( 1) + C(2)*T + C(3)*T2 + C(4)*T3 + C(5)*T4 Substituted Coefficients: XCL = 52382,1 - 2235,9*T + 744,4*T2 - 47*T3 - 0,98*T4 66642.52 13282.15 20.47155 20.72024 19.76884 0.000005
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