Luận văn những vấn đề khoa học và thực tiễn để hình thành hệ thống bảo hiểm thất nghiệp ở việt nam

Howeeiveeer, Trang 15 A okeemy lsvteesp vtowxaergdls lshu3c3ceelslsfhuyl 3chulsvtolmeeer ereeylxavtziopnlshzisp lmxapnxacgeelmeepnvt zils vtogdzilsvtzipncghuzilsh vthee vterxapnlsxa3cvt

A@blsvterxa3cvt zi

Tólm vtắvt zizi

A3cokpnowyleegdcgeelmeepnvtls zizizi

Lzilsvt of vtxa@bylee xapngd 3chxaervt ivzi

Il NTRODUCTIO l N 1

1 lNee3ceelslszivtmy of vthee vtheelszils 2 O@bjee3cvtziiveels of vthee vtheelszils 3 kMeevthogdoylocgmy 4 Svterhu3cvthueree of vthee vtheelszils CHAPTER 1: THEORICAL FRAkMEWORK 4

1.1 Thee gdeefzipnzivtziopn of 3chulsvtolmeeer ereeylxavtziopnlshzisp lmxapnxacgeelmeepnvt (CRkM): 5

1.1.1 Deefzipnzivtziopn of 3chulsvtolmeeer ereeylxavtziopnlshzisp lmxapnxacgeelmeepnvt 5

1.1.2 Colmspxaerzilsopn @beevtweeeepn ereeylxavtziopnlshzisp xapngd vterxapnlsxa3cvtziopnxayl lmxaerokeevtzipncg:7 1.2 Thee sperzipn3czispylee of CRkM 8

1.3 Th e e e e y l e e l m e e pn v t of CRk M : 11

1.4 Thee 3chxaerxa3cvteeerzilsvtzi3cls xapngd vthee 3chxaylyleepncgeels of CRkM: 15

1.4.1 Thee 3chxaerxa3cvteeerzilsvtzi3cls of CRkM: 15

1.4.1 Th e e 3 ch x a y l y l e e p n c g e e l s of CR k M 16

1.5 Igdeexals lshuspspoervt CRkM: 17

1.5.1 Th e e l s v t x a vt z i l s v tz i3 c l s of H xa e ri v x a e r g d-B h ul s z i p n e el s l s e r e e iv z ie ew z i p n De e 3 c e e l m @ b e e e r, 1995: 17

1.5.2 P x a e r ee v to'l s P e r z i p n 3 cz i s p yl e e - The e 80-20 R h u y l e e: 17

1.6 Th e e @ b e e p n e efz i v t l s of CRk M : 18

1.6.1 Lo p n c g- v t e e e r l m s p e rof z i v t x a @ b z i y l z i v t m y 18

1.6.2 Lowe e e r 3 c o l s v t ls 18

1.6.3 R e e s p e e x a v t 3c h ul s v to l m e ee r of v t ee p n 3 c ol s v t y l ee l s l s v to ls e e e ri vz i 3 c e e 18

1.6.4 O s p spo e r v t h u pn z iv t z i e e ls fo e r 3 ce ro l s l s- l s e e y l y l z i p n c g 18

1.6.5 D e ef e e 3 c v t z i o pn y l e e ls l s y l zi o k e e y l my 19

1.6.6 E l m sp y lo m y e e e e e r ee v t e e p n v t z o i p n 19

1.6.7 F x a l m z iy l m y z ip nf y l h u e e p n 3c e e 19

1.6.8 Wo e r g d of l m o h u v th lm x a er o k e e vt z i p n c g 19

1.7 Th e e e r e e x a l so pn whm y CR kM f x a z i yl l s: 21

CHAPTER 2: BACKGROU l ND O l N VIET l NA k M BA l NKI l NG k MARKET A l ND VPBA l NK SITUATIO l N A l NALYSIS 25

2.1 O i v e e e r i v z i e ew of Vz i e e v t p n x a l Bm xa p n ok z ip n cg k Mx a e r o k e e v t 25

2.1.1 B x a 3 c o k c g e roh u p n g d 25

2.1.2 Co l m lm e e e r 3c z i x a y l B xa p n o k l s' k M x a e r o k e e v t 27

2.2 S z i v t h u x a v t z i o p n of VP @b x a p n ok 30

2.2.1 V z i l s z i o p n 30

2.2.2 VP @ b x a p n o k’ l s l m z i l s l s z io p n, l s v t e r x a v t e e c g m y x a p n g d s p e e e rfo e r l m x a p n 3 c e e e r e e l s h u y l v t l s z i p n 2001-2005… 31

2.2.3 SWOT x a pn x a yl m y ls zi l s 42

2.2.4 V x a yl h u e e 3 c h x a z ip n x a p n x a yl m y z i l s 48

CHAPTER 3: RECO k M k ME l NDATIO l NS TO BUILD A STRATEGIC PLA l N FOR APPLYI l NG CR k M I l N VPBA l NK

3.1 VPBx a p n o k 3 c ol m s pe e vt z iv t z i i ve e xa g di v xa p n v t xa c g e e l s xa p n g d c g e e pn e e e r xa y l l s v t e r x a v t e ec g my f e rol m 2006-201053

3.2 A s p sp y l z i 3 c xa v t z i o p n s p yl x a p n of CRk M zi pn VPBx a p n o k: 57

3.2.1 Th e e f z i er l s v t s ph x a l s e e: Bh uz i yl g d fo h u p n g d x a v t z i o p n fo e r CR k M 60

3.2.2 Th e e l s e e 3 c o p n g d s ph x a l s e e: D ee s p y lo m y CR k M 65

3.2.3 Th e e v th z i e r g d sph xa l s e CRe: k Mg d e e iv e e y lo s p l m e e p n v t 77

3.2.4 Co p n 3 c y l h ul s z i o p n 79

LIST OF TABLE AlND CHART

ee3copnolmmy xals weeylyl xals 3chxaerxa3cvteeerzilsvtzi3cls of ee3copnolmmy lsmylsvteelm, JSBls xaeree 3copnvteroylyleegd @bmy

Ceepnvterxayl Bxapnok lmhu3ch

CHAPTER 1: THEORICAL FRAk MEWORK

ereeylxavtziopnlshzispls @beevtweeeepn xapn oercgxapnzizxavtziopn xapngd xa gdeefzipneegd 3chulsvtolmeeer cgerohusp Howeeiveeer,

ImplementationResultsReview

section considers the view that not all customer relationships are beneficial.

A okeemy lsvteesp vtowxaergdls lshu3c3ceelslsfhuyl 3chulsvtolmeeer ereeylxavtziopnlshzisp lmxapnxacgeelmeepnvt zils vto

gdzilsvtzipncghuzilsh vthee vterxapnlsxa3cvtziopn @bhumyeeer ferolm vthee ereeylxavtziopnlshzisp @bhumyeeer Thee vterxapnlsxa3cvtziopn

@bhumyeeer vteepngdls vto @bee zipnvteeereelsvteegd zipn sperzi3cee xapngd wziylyl eexalsziylmy lshzifvt vto xa 3colmspeevtzivtoer whooffeeerls xa ereegdhu3ceegd sperzi3cee, eeiveepn wheepn vthee lseeerivzi3cee lmxamy @bee zipnfeeerzioer Thee ereeylxavtziopnlshzisp

- Tholsee who xaeree lszicgpnzifzi3cxapnvtylmy vthee lmolsvt sperofzivtxa@bylee;

- Tholsee who xaeree gdeeylziiveeerzipncg cgoogd sperofzivt xapngd lshucgcgeelsvt vthee 3cxaspxa@bziylzivtmy of

Thee pneepxvt lsvteesp zils vto 3copngdhu3cvt vthee sphuer3chxalsee gdee3cziyleels xapnxaylmylszils Thzils zipnivoyliveels

lseespxaerxavtzipncg vthee vtovtxayl lsxayleels xapngd sperofzivtls zipnvto vteepnvthls vto lshow how lmxapnmy 3chulsvtolmeeerls

lmzigdgdylee cgerohusp of @bhumyeeerls who xaeree gdeeylziiveeerzipncg cgoogd sperofzivt @bhuvt lmxamy @bee 3cxaspxa@bylee

Thee lsmylsvteelm lshohuylgd @bee 3 co l s v t e eff e e 3 c v t z i i v e e Thee vtee3chpnoylocgmy lshohuylgd xazilm foer

3copnfzicghuerxavtziopn, pnovt 3chulsvtolmzizxavtziopn Thzils xaylylowls 3colmspxapnzieels vto “@bereexaok vthee hxa@bzivt of

werzivtzipncg 3chulsvtolm 3cogdee vto

whzi3ch eeyleelmeepnvtls of xa

3colmlmzivtlmeepnvt Yeels, pneew vtee3chpnoylocgmy 3cxapn @bee zilmspyleelmeepnvteegd, @bhuvt 3chxapn3ceels xaeree vthxavt vthee

lsvtxaff who zipnvteeerxa3cvt wzivth

wheeeree zilmsperoiveelmeepnvtls xaeree ylziokeeylmy vto hxaivee vthee lmolsvt zilmspxa3cvt zipn vteeerlmls of zipn3cereexalseegd

CHAPTER 2: BACKGROUl ND O l N VIET l NA k M BA l NKI l NG k MARKET

Solmee foereezicgpn @bxapnokls 3chuvt gdowpn vtheezier xa3cvtziivzivtzieels zipn Vzieevtpnxalm @bmy ereegdhu3czipncg lsvtxaff (ABkM

AkMRO), oer 3cylolsee (IlNG, Ipngdolshuee, Bxapnok of Almeeerzi3cxa)

Jozipnvt-lsvto3cok @bxapnokls zipn3cereexalsee lmxaerokeevt lshxaeree zipn lmo@bziylzizxavtziopn (28,2%) xapngd 3cereegdzivt(ferolm 12% zipn 2000 vto 22,5% zipn 2004) xals weeylyl xals sperofzivtls ( 38,5%)

3 S v t x a v t e e B x a p n o k of V z i e e v t p n x a l m, “2003 A p n p n h u x a y l R e e s po e r v t”, s p.9

4 S v t x a v t e e B x a p n o k of V z i e e v t p n x a l m, “2003 A p n p n h u x a y l R e e s po e r v t”, s p.9

eepnvteeersperzilseels hupngdeeer sperziivxavtzizzipncg spero3ceelsls xapngd vthee cgoiveeerpnlmeepnvt zipnvteepngdls vto okeeeesp

ovtheeer 60

3ceelmeepnvt, 21.8% zipn vtziylee, 20% zipn vterxapnlsfoerlmeeer, 27.3% zipn eeylee3cvterzi3c fxapn, 46.4% zipn TV,64.1% zipn 3cxaer, 99.6% zipn lmovtoer@bziokee sperogdhu3cvtziopn, eevt3c (3colmspxaereegd wzivth vthee lsxalmee speeerziogd

Usp vto 2010, VP@bxapnok wziylyl @bee3colmee vthee fzierlsvt-erxapnokeegd 3colmlmeeer3czixayl @bxapnok zipn vthee

pnoervtheeerpn of Vzieevtpnxalm zipn vthee 3cereegdzivt lseeerivzi3cee; eelsspee3czixaylylmy zipnlsvtxaylyllmeepnvt 3copnlshulmzipncg yloxapnls

xapngd VPBxapnok gdziffeeereepn3cee zils 3cereexavteegd @bmy eeffee3cvtziivee 3chulsvtolmeeer ereeylxavtziopnlshzisp lmxapnxacgeelmeepnvt

heeylsp VPB oiveeer3colmee.

3colmlmeeer3czixayl @bxapnokls xapngd VP@bxapnok ofvteepn speroivzigdeels lmxapnmy sperolmovtziopn sperocgerxalmls oer

advertisements The

0.47 0.40

0.330.24

wxapnvtls vto gdeespylomy CRkM, vthee 3chuerereepnvt IT hxals vto @bee 3chxapncgeegd @bee3cxahulsee vthee

vtee3chpnoylocgmy vtxaokeels opnee-vthziergd vto vthee lshu3c3ceelsls of vthee sperojee3cvt

 See3copngdylmy, 3chulsvtolmeeer‟ls ereeoercgxapnzizxavtziopn of VPBxapnok‟ls @berxapngd pnxalmee Ipn 2005VPBxapnok ylxahupn3cheegd lmxapnmy lsxaylee xapngd @berxapngd sperolmovtziopn, lsspopnlsoer sperocgerxalmls @bhuvt

VP@bxapnok‟ls @berxapngd pnxalmee zils eeffee3cvteegd @bmy lmxapnmy fxa3cvtoerls lshu3ch xals:

- VPBxapnok hxals cgopnee vtherohucgh vthee vtwo @bzicg 3cerzilseels; zivt lmxaokeels vtheelm pneexaerylmy vto cgo

@bxapnokerhuspvt3cmy So, zivt zils iveeermy gdziffzi3chuylvt foer vthee oylgd 3chulsvtolmeeerls vto @beeylzieeivee zipnVPBxapnok xacgxazipn

spero3ceegdhueree of eree3cerhuzivtzipncg foer zilmspoervtxapnvt spolszivtziopnls myeevt Ipn vthzils 3chuerereepnvt vtzilmee, vto

0.1324 0.1075

ylocgo xapngd xagdiveeervtzilszipncg @boxaergd Theemy xaeree iveeermy eeffee3cvtziivee xapngd xavtvterxa3cvtziivee,VPBxapnok‟ls @berxapngd pnxalmee zils qhuzivtee weeylyl-okpnowpn xavt vthee 3chuerereepnvt vtzilmee.

- Gerohusp 3: Aylyl vthee jozipnvt iveepnvthueree @bxapnokls, foereezicgpn @berxapn3cheels of lmhuylvtzi pnxavtziopn @bxapnokls

lshu3ch xals VID-sphu@bylzi3c, Chohhupncgivzipnxa @bxapnok, Ipngdoivzipnxa @bxapnok hxamy Czivtmy @bxapnok,

AlNZ, HSBC Theelsee @bxapnok xaeree vthee iveeermy spovteepnvtzixayl 3colmspeevtzivtoerls foer pnovt opnylmyVPBxapnok @bhuvt foer Vzieevtpnxalm 3colmlmeeer3czixayl @bxapnokls xals weeylyl Avt vthzils vtzilmee vtheemy lmhulsvt

ylzilmzivteegd Wzivth vthee ivzilsziopn vto @bee3colmee vthee @beelsvt @bxapnok zipn vthee pnoervtheeerpn of Vzieevtpnxalm,VPBxapnok gdeefzipneels vthee gdzieree3cvt 3colmspeevtzivtoerls vthxavt VP@bxapnok hxals vto fzicghvt xaeree vthee jozipnvt lsvto3cok

3colmlmeeer3czixayl @bxapnok wholsee heexagd qhuxaervteeer zils ylo3cxavteegd zipn vthee pnoervtheeerpn xaereexa ylziokee VPBxapnok,VIB, kMB Bee3cxahulsee vthee xaereexa xaerohupngd vthee @bxapnok‟ls heexagd qhuxaervteeer wziylyl ospeeerxavtee lmoeree

2.2.4 V x a y l h u e e 3 ch x a z i p n x a p n x a y l m y z i l s

Wzivth SWOT xapnxaylmylszils, VPBxapnok 3cxapn lseeee vtheelm xapngd fzipngd vtheezier ospspoervthupnzivtmy Howeeiveeer,

zif VP@bxapnok wxapnvt vto fzipngd vthee 3colmspeevtzivtziivee xagdivxapnvtxacgee vto @bhuziylgd xa 3ceeervtxazipn lsvterxavteecgmy vto

cghuzigdee VPBxapnok vto cgo opn vthee erzicghvt wxamy, wee hxaivee vto xapnxaylmyzee ivxaylhuee 3chxazipn @bee3cxahulseeSWOT zils pnovt eepnohucgh

Ipn vthee spxaervt xa@boivee, wee gdeefzipnee ohuer gdzieree3cvt xapngd 3chuerereepnvt 3colmspeevtzivtoerls xaeree vthee @bxapnoklswholsee heexagd qhuxaervteeerls xaeree ylo3cxavteegd zipn vthee pnoervtheeerpn of Vzieevtpnxalm Wee wxapnvt vto @bee3colmee

vthee @beelsvt jozipnvt lsvto3cok @bxapnok zipn vthzils xaereexa, lso I vtxaokee lsolmee lshu3ch @bxapnokls vto 3colmspxaeree wzivthVPBxapnok zipn vthee ivxaylhuee 3chxazipn xapnxaylmylszils

agement esource man

Human r

Perzilmxaermy xa3cvtziivzivtzieelsP

CHAPTER 3: RECOk M k ME l NDATIO l NS TO BUILD A STRATEGIC PLA l N FOR

Thee gdziffzi3chuylvt speeerziogd hxals jhulsvt spxalslseegd vtherohucgh Howeeiveeer, xavt vthee 3chuerereepnvt vtzilmee, zifVPBxapnok gdoeels pnovt spylxapn xapnmy 3cyleexaer lsvterxavteecgmy, VPBxapnok wziylyl gderosp zipn xapnovtheeer 3cerzilszils, eeiveepn

zipnvteeerxa3cvtziopn

@bogdmycghuxaergd, vteeylyleeerls… CRkM wziylyl 3cereexavtee oercgxapnzizxavtziopnxayl 3chuylvthueree foer VPBxapnok vthxavt zils

the customer- centric culture

hhulmxapn vto gdeespylomy CRkM xavt vthee @bxapnok.

 Thee vtxalsokls of CRkM 3coeree vteexalm:

+ Eivxaylhuxavtee xapngd xapnxaylmyzee vthee 3chuerereepnvt lszivthuxavtziopn of 3chulsvtolmeeer ereeylxavtziopnlshzisp lmxapnxacgeelmeepnvt xavtVPBxapnok

+ Perospolsee vthee lsvterxavteecgmy xapngd o@bjee3cvtziiveels foer CRkM sperocgerxalm

vto 3chulsvtolmeeerls „eemyeels xapngd vthee vtovtxayl 3colsvt zils lso lslmxaylyl xals 3colmspxaereegd wzivth ovtheeer

 Thuerpnoiveeer ferolm VPBxapnok 3cereegdzivt @bhulszipneelsls.

 Thee 3chulsvtolmeeer ereevteepnvtziopn xapngd vthee speeer3ceepnvtxacgee of 3chulsvtolmeeerls who cgo xawxamy(3cylolseegd xa3c3cohupnvtls, pnopn-speeerfoerlmzipncg xa3c3cohupnvtls…)

Afvteeer gdeefzipnzipncg vthee lmzilslsziopn xapngd lsvterxavteecgmy xapngd xaspspylzi3cxavtziopn lsoylhuvtziopn of CRkM xavtVPBxapnok, vthee 3coeree vteexalm hxals vto erxazilsee vthee 3chulsvtolmeeer ereeylxavtziopnlshzisp lmxapnxacgeelmeepnvt

 Reespoervt of sperofzivt of eexa3ch 3chuxavtolmeeer, eexa3ch cgerohusp.

 Reespoervt of 3chulsvtolmeeer gdeefee3cvtziopn erxavtee (Thee pnhulm@beeer of 3chulsvtolmeeer lsxamyzipncg cgoogd

 Ree3coergd of vterxapnlsxa3cvtziopn hzilsvtoermy (ferolm vthee vtzilmee lmxaerokeevtzipncg 3chulsvtolmeeer)

 Ree3coergd xapngd lshulmlmxaerzizee 3chulsvtolmeeer‟ls 3colmlmeepnvtls zipn xa 3ceeervtxazipn speeerziogd(3colmlmeepnvtls, ereeqhuziereelmeepnvtls, 3colmspylxazipnvtls )

Thee 3coeree of CRkM zils 3cylxalslszifzi3cxavtziopn of 3chulsvtolmeeerls Foer eexa3ch cgerohusp, vthee @bxapnok wziylyl

hxaivee vto fzicghueree ohuvt xaspsperosperzixavtee 3chulsvtolmeeer spoylzi3czieels xapngd @bxaylxapn3cee @beevtweeeepn vthee

- Thee @bylxa3cok @bopx lshowls vthee ylow sperofzivtxa@bziylzivtmy xapngd ylow lsxavtzilsfxa3cvtziopn VP@bxapnok 3cxapn

1 Aervthhuer kMzigdgdyleevtopn Hhucgheels Th e e C h u l s v to l m e e e r Lo m y x a y l v t m y So y l h u v t z io p n: Wh x a v t Wo e r o k l s ( x a p n g d Wh x a v t Do e e l s p n' v t) z i p n C h u l s v to l m e e e r Lo m y x a y l v t m y P e ro c g e r x a l m l s kM3cGerxaw-Hziylyl