~^ 10(63) - 2008 ) TAI CHINH VI MO
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TIfl TRUOfNG BAO HIEM
PHI NHAN THO VIET NAM - HAU WTO
Tran Hting Dung (*)
T
hi trudng bao hiem Id thi trudng dich vu cda nen kinh te, do vgy su phdt trien cua thi trudng bao hiem noi chung vd thi trudng bdo hiem phi nhan thg ndi rieng khong the tdch rdi suphdt trien chung cda todn bp nin kinh ti. Khi trd thdnh thdnh vien WTO, Viet Nam phdi thuc Men nhimg cam kit chung vd nhirng cam kit riing trong linh vuc tdi chinh, bao hiim,Cuthi:
- Doanh nghiep bao hiem tai nudc ngoai dugc phep cung cap vio Viet Nam cac djch vu bao hiem cho doanh nghiep bao hiem cd vdn nudc ngoai va ngudi nudc ngoai tai Viet Nam. Ngoai ra hg cdn dugc cung cap djch vu tii bao hiem, van tai qude te, mdi gidi bao hiem, tu van, tinh toin, danh gia riii ro va giai quyet bdi thudng cho thj trudng bao hiem Viet Nam.
- Bai bd qui dinh ban che pham vi kinh doanh cua cac doanh nghiep bao hiem 100%
vdn nudc ngoai tu ngay 01/01/2008.
Dilu dang lo ngai nhat chinh la viec cic doanh nghiep bao hiem tai nudc ngoii khdng can thanh lap doanh nghiep bao hiem tai Viet Nam cung ed thl vuon canh tay cua minh vao khai thac thj trudng bao hilm Viet Nam theo cam kit WTO ndi tren. Day thuc sir la mdi lo ddi vdi eic doanh nghiep bao hilm phi nhan thg Viet Nam
C) Tip doin dau l<hl Viet Nam
bdi vdi ning luc ve tii chinh, trinh do quan ly, chuyen mdn va kinh nghiem, pham vi boat ddng rgng cic doanh nghiep bao hiem nudc ngoai se cd day du cic uu the de canh tranh va lan ludt cac doanh nghiep bao hiem trong nude.
Mac dti vay, sir phit trien cua thj trudng bio hiem Viet nam ndi chung vi bao hiem phi nhan thg Viet Nam noi rieng sau mgt nim gia nhap WTO da cd sir chuyen bien tich cue. Ca cac co quan quin ly va cic doanh nghiep bao hilm da va dang cd nhiing dgng thii tich cue thich nghi vdi dilu kien mdi, chap nhan canh tranh vi hgi nhap.
v l phia cic co quan quin ly, ehl do Quan ly Nha nudc vl boat dgng kinh doanh bao hilm dugc hoan thien ban de cung cd va phit trien thj trudng bao hiem. Viec ban hanh ND 45/2007/ND-CP n g a y 2 7 / 3 / 2 0 0 7 , ND 4 6 / 2 0 0 7 / N D - C P n g a y 27/3/2007, cac Thdng tu
155/TT-BTC, Thdng tu 156/TT-BTC hudng ddn Nghj dinh tren the hien sir nim bat
nhu cau phat trien cua thj trudng bao hiem Viet Nam. Day ciing la mgt bien phap tao ra mdi trudng phap ly de cung co thj trudng bao hiem dang phat trien ndng nhung cting tiem an nhiing khd khin thich thtrc ddng thdi tao co sd phip ly thuan lgi hon cho cic DNBH va thj trudng bio hiem phit trien.
Cac vin ban phap quy noi tren dieu chinh theo hudng dua ra nhtrng chuan muc tien tien mang tinh quoc te ve quan ly boat ddng kinh doanh bao hiem, cdng khai minh bach che do quan ly, ting tinh chu dgng tu chju trich nhiem cua DNBH, dam bao lgi ich chinh ding cua ngudi tham gia bao hiem.
Ve phia cic doanh nghiep bao hiem, cd the khing djnh rang cic doanh nghiep bio hiem Viet Nam da san sing cho qui trinh hgi nhap bang nhirng ddng thai tich cue:
Tang cudng cung cd uy tin va nang cao ning lire tai chinh: Cac doanh nghiep bao hiem Viet Nam cd nhiing dgng thii tich cue trong viec tim kiem doi tic ddu tu vi nang cao nang lire tii chinh cua minh phue vu cho qui
Tap chf nghien cdu Tdi chfnh ke todn <(A3
TAI CHINH vT MO ( So 10(63) - 2008 )
trinh hdi nhap. Bao Viet chgn doi tic chien lugc la HSBC tham gia 10% vdn, Bao Minh chgn ddi tic chien lugc la AIA tham gia 16% vdn the hien siic manh va uy tin cua DNBH Viet Nam dang thu hiit cic DNBH hang dau the gidi sin sang gdp von kinh doanh, chia se kinh nghiem ve kinh doanh bao hiem, quan ly va
phit trien sin pham.
Rat nhieu doanh nghiep bao hiem phi nhan thg ddng loat tang vdn. Ngoii viec tang vdn phap djnh theo quy djnh cua Thdng tu hudng dan thi hanh ND 45, ND 46 (300 ti ddng ddi vdi DNBH PNT, 600 ti ddng vdi DNBH Nhan thg), cdn lam tang tilm lire tai chinh, tang miic gitr lai, giam dang ke phan phai tii bao hiem ra nudc ngoai, ting cudng nang lire ddu tu vao nen kinh te quoc dan. Tdng sd vdn chu sd btru cua cac DNBH Ien tdi tren 15.000 ti ddng trong dd Bao Viet dan
dau vdi 6.800 ti ddng.
Tang cudng cai tien va phat trien cic san pham mdi: cac doanh nghiep bao hiem tich cue dua ra thj trudng nhirng san pham bao hiem mdi phti hgp vdi cic nhu cau phat trien ctia nen kinh te xa hgi, nhu:
bao hiem y te dieu trj chat lugng cao, bao hiem kha ning tra ng cua ngudi vay ng, bao hiem tin diing, ...
Den nay, tren thi trudng da cd tdi 720 san pham bao hiem phi nhan thg. Cae d o a n h n g h i e p bao hiem eiing cung cap eho k h a c h hang them rat nhieu cic dich vu gia ting, nhu: ciiu nan ciiu hg mien phi, sua chtra xe khdng thuoc pham vi bao hiem va bao dudng xe dugc giam phi, the uu tien dilu trj tai cac benh vien va bac sy cduytin.
Ket qua kinh doanh nam 2007 eho thay, doanh thu phi bao hiem Phi nhan thg tang tren 30% so vdi cting ky 2006 cao nhat trong 5 nam qua. l/dc nam 2007, dat 8.350 ti ddng, gan tiin tdi chi tieu 9.000 ti ddng de ra cho nam 2010 trong chien lugc phit triin thj trudng bao hilm 2003-2010 da dugc Thu tudng phe duyet.
Gia trj dau tu trd lai nen kinh te qude dan ciia cae doanh nghiep bao hiem bang von ehu sd btru va du phdng nghiep vu udc tinh gan 40.000 ti ddng tuong duong vdi 2,5 ti USD.
Du bdo nhirng anh hudng ciia hpi nhgp doi vdi su phdt triin cua thi trudng bdo hiim phi nhan thg Viet Nam trong thdi gian tdi
Trong thdi gian tdi, viec thuc hien cac cam ket trong linh vuc bao hiem eua Viet Nam ddi vdi WTO se tiep tuc anh hudng den thj trudng bao hiem phi nhan thg.
Cdc dnh hudng tich cue Qua trinh md ciia va hgi nhap se ed nhiing anh hudng tich cue nhat djnh den thj trudng bao hiem phi nhan thg, cu the:
- Se cd xu hudng giam chi phi djeh vu; nang cao chat lugng djch vu, cdng nghe va trinh do quan ly cua doanh nghiep va ngudn nhan lire; nang luc cua thj trudng dugc md rgng,...
Neu thich nghi, cac doanh nghiep bao hiem phi nhan thg se trudng thanh va phat triin nhanh ban.
- Thi trudng se ngay cang tiem nang. Theo cac nha kinh te, vdi tdc do phat trien kinh te nhu hien nay, sir chuyin djch cua co cau kinh te va gia tang qui mo nen kinh te cua mgt nudc tren 85 trieu dan nhu Viet Nam, thj trudng bao hilm phi nhan thg chinh la "miin ddt hiia" hdp dan cac nha dau tu nudc ngoai.
- Cac doanh nghiep bao hiem phi nhan thg Viet Nam cd thl sg md rgng pham vi hgat dgng ra nudc nggai vdi nhieu hmh thiic
Tgp chf nghion cdu Tdi chfnh ke'todn
( Sd 10(63) - 2008 )
T A I C H I N H V I M O
va budc di khic nhau tuy theo dieu kien va kha ning cua tung doanh nghiep.
- Cic sin pham tren thj trudng bao hiem phi nhan thg se ngiy cang da dang v i phong phii, lgi ich eua khach hang se gia ting.
- Thj trudng tai chinh Viet Nam se trd Ien phong phii, sdi dgng hon nhd cac trung gian tai chinh dac lire l i cic doanh nghiep bao hiem phi nhan thg.
Mac du cac doanh nghiep bao hiem nudc ngoai se tham gia vao thj trudng, tuy nhien cd the trong thdi gian dau hg se dat trong tam thu lgi ttr boat dgng dau tu, trong linh vuc bao hiem cd the cic doanh nghiep bao hiem nudc ngoai se tap trung vao chiem ITnh thj trudng, quang b i thuong hieu ma khdng dat muc tieu lgi nhuan Ien dau.
Cdc anh hudng tiiu cue Ben eanh eic anh hudng tich cue, trd thanh thanh vien WTO se cd nhiing anh hudng tieu cue den sir phit trien cua thi trudng bao hiem phi nhan
tho:
- Canh tranh tren thj trudng se dien ra ngay cang gay gat.
Viec thuc hien cic cam kit song phuong, da phuong, cam ket cua WTO dong nghTa vdi viec cac rao can doi vdi cic doanh nghiep bao hiem nudc ngoai dugc ndi long va tien tdi bj xoa bo. Co hoi de cic doanh nghiep bao hiem nudc ngoai dugc md rong. Day chinh la thach thiic cho cac doanh nghiep bao hiem phi nhan tho trong nudc c6 nang lire tii chinh ban che, cong nghe va trinh do quan ly chua cao.
Ngoai ra, cac doanh nghiep bao hiem se dugc phep cung cap cic djch vu bao hiem, tii bao hiem v i moi gidi bao hiem, djch vu dinh gii rtii ro, giai quyet khieu nai, tu van bao hiem ma khong can thanh lap phip nhan tai Viet Nam.
Cic nhan td niy se inh hudng manh tdi cac doanh nghiep bao hiem phi nhan thg va gidi ban trong nhom doi tugng ngudi nudc ngoai v i du i n dau tu nudc ngoii tai Viet Nam.
Tuy nhien, xet trong trung va dai ban cac nhan td niy se anh hudng khdng nhieu do tam ly khach hang lira chgn cac doanh nghiep bao hiem cd tru sd tai Viet Nam va ban than cic doanh nghiep bao hiem nudc ngoai cting muon thanh lap phap nhan tai Viet nam de cung cap dich vu tdt nhat.
- Xu hudng sat nhap, mua lai gitia cic doanh nghiep bao hiem se dien ra thudng xuyen hon, vdi qui md ldn hon v i tinh chat ngiy cang phiic tap. Tat yeu se hinh thanh cic tap doin tai chinh ldn tren co sd thich hgp cic dich vu tai chinh./.
Tai lieu tham khao
-Nghj Djnh 175/ND-2003/TTg-CP - Nien giam th6ng ke, Nh& xudt ban th6ng ke, 2008
- Hiep hoi bao hiem Viet Nam, Ban tin, 2007, s6 1,2,3,4.
- Hiep hoi bao hiem Viet Nam, Ban tin, 2008, s6 1,2.
© Gidc mo tuyet vdi cua ong cliong gid
Vg chong gia ndi chuyen vdi nhau:
- Dim qua, toi ma mpt gidc ma that tuyet. Toi Id trai tdn vd den cdu hon bd..
- Vay cd gi ma dng cho la tuyet?
- Trong ma, bd da tir choi ldi cdu hon ciia toi.
Tgp chf nghien cdu Tdi chfnh ke'todn <45)
