KINH TE N G A N H D I A PHC/CjNG
Canh tranh tren thj tru'dng bao hiem phi nhan tho
tai tinh VTnh Phuc
NGUYEN T H | THU T H d Y lri/(Jng Mfli hpc
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C a n h t r a n h k h d c l i ^ l
Vice Cdng ty Bao hicni Vinh Phuc chinh thffc di \do boat dong ke tff thdng 01/1997 Id cdi md'c ddnh dd'u sff hinh thanh ciia ihi trffdng dich vu bao hiem tinh Vinh Phuc. Tff chd cht cd I cdng ty bdo hilm nhd nffdc ddc quyen.
den nay da phdt triln thdnh mpt thi trffdng bao hiem sdi ddng vdi 11 cdng ty thupc nhidu hinh thffc doanh nghiep khdc nhau nhff: cd phan, lien doanh, tff nhan.
Nhffngndmganddy, tiii trffdng bdo hilm ndi chung, thi trffdng bdo hiem pht nhdn thp ndi rieng, lang trffdng binh quan xap xi 30%/nam. Song, mdt trdi ciia bffc tranh ndy la hieu qua kdm, tiem an nii ro mat on dinh tff vipc canb tranh khdng lanh manh. Thffc te thl irffdng bdo hiem phi nhdn tho d tinh VTnh Phuc thdi gian qua noi len mdy van de sau:
ThU nhdl, cgnh tranh vi phi bdo hiem:
Xud't phdl tff dac thii cua san phim bdo hiem la vd hinh, khdch hdng chffa the ddnh gid ngay chat Iffdng sdn pham, nen ihffdng ffu tien chpn mua san pham ndo cd mffc phi bdo hidm thd'p hdn. Vi vay, de gianh gidt khdch hang, cdc cdng ty bao hiem thi nhau ha phi. Ty le phi bao hiem lien tuc giam so vdt quy dinh d hau he't cdc nghiep vu, dien hinh Id nghiep vu bao hiem hpc sinh gidm tff 30%- 45%, nghiep vu bdo hiem vdt
Canh tranh se tao ra dQng Itfc dd phdt tridn, nhtfng canh tranh khdng lanh m^nh se gdy ra nhtfng tdn thd't khdng nho. Thj trtfdng bao hidm phi nhdn thp tinh VTnh Phuc ciJng vdy. thj trtfdng nhd nhtfng sd'Itfdng cdng ty tdng Idn nhanh chdng Ifim cho stf canh tranh rdft khd'c lidt. Vdy phai iam gi dd cdc doanh nghidp hao hidm VTnh Phuc di dung con dtfdng c^jnh tranh l^nh manh, phat tridn bdn vtfng?
chat xe cd gidi gidm 10^/f-2()'7r.
nghiep vu bdo hiem xay dffng.
lap ddt gidm l5%-25%,..
Dang sau viec ha phi thd'p.
ihffdng di kem vdi dich vu kem chd'l Iffdng, cu the nhff: tdn tha't khdng dffdc bdi thffdng kip thdi, thod ddng. hay khdng bdi thffdng dung chd dd bdo hiem...
De dd'i phd vdi tinh trang ha phi, cdc cdng ty bdo hilm phi
nhan thp Idn trong Tinb da cd nhflng cam kdl, thoa thudn chung ve Mec dp dung mffc phi, ty le hoa hong... Tuy nhien, vi dp Iffc doanh thu. cdc cdng ty lai sff dung chieu thffc canh tranh ngam dffdi nhieu hinh thffc khien tinh trang ha phi V a n dien ra iffdng ddi phd bien.
Ddy la nguy cd raTl Idn de dpa tdi sff phdt trien ciia cdc cdng ty bao hiem. Ty le phi bao hiem
ih iranh khflng lanh manfi se g^y ra 16n that khang nho cho Ihi truflng bao hi6'm
Kinh te va Dif bao
giam, trong khi ty le bdi thffdng cd xu hffdng tdng khidn ldi nhudn tff boat ddng kinh doanh bdo hiem ngdy cdng tha'p.
Thd hai, cgnh tranh vi chi trd hoa hdng:
Cung do dp Iffc canh tranh, dl thu hlit khdch hdng, cdc cdng ty bao hiem da chi trd hoa hong trffc tie'p cho khdch hdng dffdi cdc hinh thffc khdc nhau vd vdi ly Id cao hdn nhieu so vdi mffc Bd Tdi chinh quy dinh. Ldi dung tinh hinh ndy, nhilu khdch hdng dd ddi hdi mffc hoa hdng cao cdng vdi nhidu dai ngO khdc nhff: xin ldi trd, di du lich, qua tdng khuydn mai tinh tren doanh thu phi bdo hiem...
De hdp I'J hod nhflng khodn chi ngoai quy dinb ndy, cdc cdng ty bdo hilm ky hdp ddng vdi cdc dai Iy, nhffng thffc chd't cdc dai 1^
nay khdng tham gia khai thdc dich vu. Hp chi Id trung gian nhdn hoa hong cho phil hdp vdi quy djnh, va lam cd sd trich lap thud thu nhdp dai 1^ cho cdc cdng ly bdo hiem. Phan ty le hoa hdng cao hdn so vdi mffc quy dinh dffdc cac cong ly bdo hilm ld'y tff khodn chi khdc, nhff: chi quan ly, chi b6i thffdng, thdm chi tfl hieu qud khodn tff cdng ty me... dd bu dap.
Mpl sdcdng ty bao hiem cdn thffc hidn ghi hod ddn thu phi hai lan vdi muc dich diing phi de trich lai khdch hdng. Dieu ndy Idm tdng ty le chi phi hoat dpng kinh doanh bdo hiem, tao thdi quen xau ddi vdi ngffdi tham gia bdo hiem.
Thdba, cgnh tranh trong khdu gidi quydt bdi thudng:
Thdng qua cdng tdc bdi thffdng, cdc cdng ty bao hiem cd thd khang dinh uy tin cda minh, that _ chat mdi quan he vdi khach hang.
Tuy nhidn, trdn thffc td, nhieu khdch hang ldi dung tinh tiang canh tianh de gdy sffc dp, ddi hdi cong ty bdo hiem gidi quydt bdi thffdng hdn mffc tdn that thffc te, hoac tim cdch dd dffdc bdi tiiffdng agay cd khi tdn tiilt khdng thudc pham vi bao hiem.
Dl canh tranh vd gifl khach hdng, cdc cdng ty bao hiem vln phai ddp tfng theo hffdng "bdi
thffdng thien chi". Day Id mdt vide Idm lieu cffc, trffdc mdt, dnh hffdng tiffc tiep ldi hiSu qud kinh doanh ciia cdc cdng ly bdo hiem.
Ve lau ddi Idm cho thi trffdng bdo hilm thieu Unh bin vflng.
Thd tu. cgnh tranh thdng qua sUcan ihiip hdnh chlnh:
Mpt sd cdng ty bdo hilm da dat dffdc Idi the canh tranh trong kinh doanh thdng qua sffc dp hdnh chinh. Dieu ndy ddng nghTa vdi vide cdc cdng ty bdo hilm chi chii trpng den vide ciing cd mdi quan he vdi cdc cd quan chii qudn dd cd dffdc khdch hdng Id nhffng ddn vi trffc thudc, md il tiep can, chdm sdc khdch hdng trffc tidp cua minh.
Thffc te nhieu ndm qua cho thd'y, nhffng khdch hdng tliam gia bdo hiem thdng qua cdc cd quan ca'p tren cua minh thffdng it cd cd hdi dffdc Uep xuc trffc tiep vdi cdc cdng ty bao hilm. Ddy cung la ly do khien hp khdng dffdc bdi thffdng ton thd't, trd tien bao hidm diing chd dd.
Cdc cdng ty bdo hiem do cd dffdc ldi the canh tranh thdng qua sff can thiep hanh chinh, nen khdng chii trpng den chat Iffdng phuc vu cua minh, md rpng pham vi boat ddng, phuc vu ldi ich chung ciia khdch hang.
Giai phap hffdng den canh tranh lanh manh
Canb tranh khdng ldnh manh trong linh vffc bdo hiem phi nhdn thp tai VTnh Phuc da vd dang trd thanh vln de cin dffdc quan tam.
Do canh tranh thidu ldnh manh, cac cdng ty bdo hiem dang ciing kdo nhau xudng ddc, gidm thi phan, kiet sffc trong cudc "chay dua". Hdu qud Id hp phai nhffdng Ihl trffdng cho cdc doanh nghiep bdo hiem Uem nang khdc. Day cung Id "cd hdi vang" cho cdc doanh nghiep bao hiem nffdc ngodi cd Uem Iffc tdi chinh vd tinh chuyen nghiep xdm nhdp va chidm ITnh thi trffdng. De khac phuc vd'n de nay, cd Nhd nffdc Idn doanh nghidp can phdi thffc hien mdt sd giai phdp sau:
Ddi vdi cdc cd quan chdc ndng:
Tinh VTnh Phiic cdn xay dffng va thffc hidn chffdng trinh "thffdng mai boa san phim bdo hiem" vdi sff h6 ird ciia ngan sdch Tinh. Viec trien khai cdc sdn pham bdo hiem mdi thffdng ddi hdi ton kem nhieu chi phi cho qudng cdo, gidl thieu sdn phim, lap hud'n cdn bd, dai ly.,. Cdccdngty bdo hilm thffdng khdng dii khd nang tdi chinh dd thffc hien Vi vay, Tinh can cd cdc chinh sdch ldi chinh hd trd cho cdc cdng ty trong viec trien khai, phdt trien cac san pham bao hiem cd tinh xa hdi vd cin thidt nhff: bdo biem vdl nudi, bdo hidm gia siic, gia d m , bdo hiem cdy trdng, bdo hilm than the cho ddi Iffdng thupc dien hp ngheo...
Dong thdi, can cd sff can thiep hanh chinh manh hdn tff phia cac cdng ty me, cdc cd quan chffc nang trong Tinh dd'i vdi cac cdng ty bdo hilm. Tfl dd, phal hien kip thdi nhffng sai sdt trong cdng tdc quan
\S, gidp cdc cdng ly nay kip thdi dieu chinh hoat ddng kinh doanh.
Ben canh dd, can cd nhflng bien phdp xff ly hdnh chinh manh hdn ddi vdi nhffng sai pham trong kinh doanh ciia cdc cdng ty bao hiem, nham ciing cd hdn nfla niem tin ciia ngffdi tham gia bdo hilm. Tff do, gdp phan giai quydt vd'n de canh tranh khdng lanh manh gifla cdc cdng ty bdo hidm trong Tinh hien nay.
Dd'i vdi cdc cong ty bdo hiem trin dig bdn tinh Vinh Phuc:
Cdc cdng ty bdo hiem can chu ddng trong viec ndng cao khd nang canh tranh, thay dii iff duy canh tranh, hinh thffc canh tranh theo hffdng phdt triln ben vifng, cu the:
Mgt Id, xdy dung vd qudng bd ihuang hieu, ddy mgnh hogt dong marketing. Khi quyel dinh tham gia bdo hiem, khach hdng ihffdng coi trong ten tuli vd uy tin cua cdc cdng ly bao hiem.
Mud'n vay, cdc cdng ty can ndng cao hieu qua kinh doanh, dam bdo cung cap cho khdch hdng nhffng djch vu td't nhat, giff dung cam ket vdi khach hdng.
Economy and Forecast Revi
KINH TE NGANH-DjA PHCTGNG
Nhdn thffc ve ihffdng hipu Id rd't quan trpng, Cdc cdng ty bdo hilm can phdi xem ihffdng hipu ciia minh nhff Id tdi sdn vd gid.
Mdt ihffdng hipu manh sc dnh hffdng trffc licp den doanh Ihu vd ldi nhuatn ciia cdng ly,
Ngodi ra, vdn hod doanh nghipp cung can phdi dffpc xcni xdl quan tdm, Vdn hod doanh nghidp se tao ra nhflng ndi dac trffng giffa cac doanh nghipp bao hicm,
Hai Id, Idng cifdng ddo tgo ngudn nhdn l\ft. hdi dudng chuyen man nghipp vg cho cdc cdn bg, nhdn vicn bdo hiem. Trong Uen trinh hpi nh^p kinh lc qudc id, ddo lao vd phdl tnen ngudn nhdn Ip'c ddng vai trd vd ciing quan irpng trong vide hoach djnh vd thffc hipn thanh cdng chicn lffdc kinh doanh cQa cdc cdng ly bdo hiem.
Mdt trong nhffng han chd hi^n nay ciia cdc cdng ly bdo hilm d VTnh Phuc chinh la d ddi ngu can bd: ndng Iffc qudn ly chffa cao, trinh dp nghiep vu chuyen mdn chffa dap ffng dffdc nhu cau phdl tridn. Vi vdy, trong giai doan trffdc mat, cdc cdng ty nen tap trung ddo tao mpt so'chuyen vidn bdo hiem trong ITnh vffc gidm dinh boi thffdng, xdy dffng bieu phi bao hiem, dau tff, ngoai ngff, tin hoc, giao tidp...
Ba Id, sd dung cdc cong ngh$
hiin dgi trong to chdc kinh doanh dich vu bdo hiem. Dd'i vdi cdc cdng ty bao hiem, kel qud cua cdng tdc thdng kd riii ro, tdn thd't ddng vai trd vd ciing quan trpng.
Nd la cd sd dl cong ty hoach dinh cdc cd che, chinh sdch trpng yeu nhff: djnh gia sdn pham, sdng Ipc nii ro, trich ldp quy dff phdng...
Thdng qua viec dp dung cdng nghe hien dai, cdng tdc thdng ke
se dffdc thffc hipn mpt cdch di ddng, chinh xdc vd nhanh chdng.
Qua dd ndng cao chd'l Iffdng dich vp bdo hidm, ndng cao ndng suat lao ddng, ddp ffng dffpc yeu cau qudn ly vd tdng sffc canh tranh cho c ic cdng ly,
Bdn Id. ndng cao ndng luc ldi ehinh. Nguon tdi chinh ciia cdc cdng ty bdo hidm quydt dinh ddn khd ndng thi/c hidn cam kel vdi khdch hdng, khd ndng nhdn tdi bdohicm ciia cdccdngty, vd ddng vai ird quan irpng trong vipc xdy dffng chlnh sdch gid, phdt Irien sdn phim mdi. Ihi Irffdng mdi...
De Idng khd ndng tdi chinh, cdc cong ty can dly manh cdng tdc tdi bdo hiem, Dieu ndy giiip cdng ly cd the chii ddng trong hoat dpng kinh doanh bdo hiem trffc tiep, Idng khd ndng khai thdc, tff dd tdng ndng Iffc canh tranh tren thj irffdng.
Ngoai ra, can ndng cao hieu qud boat ddng kinh doanh. Hien nay, nbieu cdng ty trong Tinh chi quan tdm nhieu ddn chi lieu doanh thu, md it quan tdm den van de "sdng lpc rui ro". Ddy Id ly do chinh l^ gidi ve ty le bdt thffdng trong nhffng nam gan day ludn tdng, khie'n hieu qud hoat dpng kinh doanh cd chieu hffdng gidm sut.
Nam Id, da dgng hod vd ndng cao chd'l lugng cdc sdn phdm dich vu bdo hiem phi nhdn thg. So vdi nhu cau phdl trien ngdy cdng cao ciia Tinh, danh muc sdn pham bdo hiem cdn khd ddn gidn. trong khi tiem ndng ciia thj irffdng cdn rd't Idn vd cdn rd't nhieu ITnh vffc, md cdc cdng ty bdo hidm van dang bd ngd. Do vdy, cin nhanh chdng chu dpng hdn nffa trong vide nghidn cffu cdc giai phdp da
dang hod sdn pham, tao ra nhffng sdn pham mdi.
Sdu Id, coi trgng trdch nhi$m gidi guydt bdi thudng rui ro. iChidu nai hay thdc mdc ciia khdch hdng phdi dffdc xff \S vd trd ldi kip tiidi, khdo ldo, Iinh hoat, diing phdp ludt. lao an tffdng tdt ddi vdi khdch hdng. Cdc cdng ly bao hiem phdi ludn xac djnh day Id cdng viec quan trpng. vi nd 1dm gia tdng gia tri sdn pham. Do vdy, cdc cdng ty can nang cao hdn nfla S tlidc tidch nhiem cda cdn bd gidm djnh, nhiet Ilnh gidi quydt khd khan tai chd vd khd khan ban dau cho khdch.
Cdc cdn bp tidp nhdn thdng bdo tai nan phdi nim vflng nghipp vu vd hffdng dan khdch hdng phdi rd rdng, cu thd, nhanh, chinh xdc.
Can nit ngin thdi gian giai quydt bdi tiiffdng, trdnh tinh trang khdch hdng chd nhdn tien bdi thffdng qud lau vd phdi tiiffc hien nhieu thii tuc rffdm rd, phffc tap.
Bdy Id. da dgng hod cdc kenh phdn phdi de thu hut khdch hdng, md rgng thi phdn. De thffc hien viec ndy, can phai xay dffng dffdc ddi ngu dai ly chuyen nghiep, gan bd vdi cdng ty, d l san pham bdo hiem den dffdc khach hdng mdt cdch nhanh chdng. Xdy dffng hd thd'ng phdn phdi phdt mang tinh chieu sau, cd sff Hen kdt gifla cac thdnh vien trong cdc nhdm dai IJ, tff dd tao dieu kien thuan ldi trong cdc khau quan ly.
Sff quan tdm kip thdi cda cdc cd quan chffc ndng, cung vdi sff thay ddi tff duy tiong vide nang cao ndng Iffc canh tranh cua cdc cdng ty bdo hilm, thi trffdng bdo hiem phi nhdn thp tinh VTnh Phdc chac chan se phdt tiien In dinh, bin vflng va tiep tuc td thi trffdng hd'p din ddi vdi cdc nhd dau tff.B
_ T A l L i e U THAM K H A O :
1. Nguydn Thi Thu ThuJ, (2011). Nghiin cdu mgt sd gidi phdp ndng cao khd ndng cgnh tranh cua Cdng ty Bdo Viit Vinh Phuc. Ludn vdn Thac sy Kinh td, Dai hpc M6- Dia chd't.
2. Bdo cdo tdng kdt boat ddng kinh doanh ndm 2010 ciia Cdng ty Bdo Viet Vinh Phuc.
3. Hpc vien Tdi chinh - Kd todn, (2007). Gido trinh Bdo hiem. NXB Tdi chinh.
4. Trung lam ddo lao Bdo Viet, (2004). Marketing trong hogt ddng khai thdc bdo hiem. NXB Thdng kd Ha Ndi.
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