Bh Dai Cuong

BO GIAO DUC VA AO TAOTRNG AI HOC KINH TE TP.HO CH MINHBO MON BAO HIEMBAO HIEM AI CNG TS. NGUYEN TAN HOANGTHANH PHO HO CH MINH 2011

Phan 1: Quan ly rui ro Cac thuat ng dan nhap Cac phng thc x ly rui ro

I- CAC THUAT NG DAN NHAPTon thatRui roNguy cHiem hoa

1- Ton thata. nh nghaPhai co thiet haiBat ng ngoai y muon cua chu s hu.

b. Phan loai Can c vao oi tng b ton that:+ Ton that tai san+ Ton that con ngi+ Ton that do phat sinh TNDS

b. Phan loai Can c vao kha nang lng hoa:+Ton that co the xac nh c+Ton that khong the xac nh c Can c vao hnh thai bieu hien* Ton that hu hnh* Ton that vo hnh

c.Y nghaoi vi i song kinh te xa hoioi vi lnh vc bao hiem

2- Rui roa. Khai niemb. anh gia rui roc. Phan loai rui ro

a. Khai niemRui ro la s khong chac chan ve ton that.Rui ro la s bat trac co the o lng c.Rui ro la kha nang xay ra ton that.Rui ro la s khong the oan trc mot khuynh hng dan en mot ket qua thc khac vi khac qua d oan.Rui ro la kha nang xay ra mot so s co khong mong i.

b. anh gia rui roNguon goc va nguyen nhan rui roNguon goc rui ro* Ve t nhien* Do s phat trien cua lc lng san xuat* Do mau thuan trong xa hoiNguyen nhan rui ro* Nguyen nhan khach quan* Nguyen nhan chu quan

b. anh gia rui roMc o nghiem trong cua rui roHau qua cua rui ro la ton that, la ket qua khong mong i

Bang so sanh

Tan SuatMc o tram trongCaoThapCao- Phong tranh- Ngan nga, han che- Chuyen nhng - T ganh chu- Ngan nga- T ganh chu

Thap- Ngan nga, han che- Chuyen nhng- T ganh chu- Ngan nga- T ganh chu

c. Phan loai rui roCan c vao kha nang o lng:Rui ro co the xac nh cRui ro khong the xac nh c Can c vao hnh thai bieu hien: Rui ro ong Rui ro tnh

3- Nguy cKhai niem Phan loai Y ngha

4- Hiem hoa

II- Cac phng thc x ly rui ro1- Nhan thc ve rui ro2- Cac phng thc x ly rui ro c ban

1- Nhan thc ve rui roMoi ngi co mot nhan thc khac nhau ve rui roNhan thc ve rui ro cua tng ngi thng khac vi rui ro thc te

Cac nhan to tac ong en nhan thc rui ro cua moi ngiTnh quen thuocTnh kiem soat Anh hng cua cac phng tien thong tin ai chungHoi chng No se khong xay ra vi toi

2- Cac phng thc x ly rui ro c banTranh ne rui roChap nhan ganh chu rui roGiam thieu nguy c, giam thieu ton thatHoan chuyen rui roBao hiem

a- Tranh ne rui roLa chon mot loi song, mot cach song, mot nghe nghiep phu hp vi nhan thc rui ro nham han che toi a kha nang tiep xuc vi rui ro.Khong phai rui ro nao cung tranh ne c

b- Chap nhan rui ro e tranh ne mot rui ro khac nguy hiem hn.Khong nhan thc c rui ro.Ton that khong ang ke.Do au c.Do thoi quen.

c- Giam thieu nguy c ton thatKhai niem ve nguy c.Phan loai nguy c :Nguy c ao c tinh thanNguy c vat chat.Nguy c phap ly

Giam thieu nguy cGiam thieu ton that

d- Hoan chuyen rui roBan non san pham.Nghch hanh.Cho thau lai.

e- Mua bao hiem La hoan chuyen rui ro t ngi c bao hiem sang cong ty bao hiem. Nhng c cu the trong hp ong bao hiem.

Trong oBao hiem la phng thc hoan chuyen rui ro u viet hn ca v: Phan tan ton that Giam thieu rui ro toan bo nen kinh te

Phan 2: Nhng van e chung ve bao hiemnh ngha ve bao hiemS ra i va phat trien cua bao hiemS can thiet khach quan cua bao hiem oi vi i song kinh te xa hoiVai tro tac dung cua bao hiemPhan loai bao hiem thng maiCac nguyen tac hoat ong cua bao hiemrui ro co the c bao hiemTo chc bao hiem

1- nh ngha ve bao hiem Mot nh ngha ay u cua bao hiem phai bao gom cac yeu to: Hnh thanh mot quy tien te (Quy bao hiem). Co s hoan chuyen rui ro.Co s ket hp so ong cac n v oi tng rieng le, oc lap co rui ro nh nhau, tao thanh mot nhom tng tac

Cac nh ngha ve bao hiemnh ngha 1:Bao hiem la s ong gop cua so ong vao s bat hanh cua so t.Hay:Bao hiem la s cong ong hoa cac rui ro

Nhan xet:nh ngha nay la da tren nguyen tac hoat ong cua bao hiem, quy luat so ong.Cong ong hoa rui ro phai co rui ro thuan nhat.Cha phan biet c bao hiem vi cac hoat ong khac (Cu tr)

S khac nhau gia Bao hiem va cu tr

Hnh thc

Khac nhauCu trBao hiemTnh chat phap lyQuan he ngoai hp ongQuan he tren hp ongThi iem xac lap moi quan heSau khi rui ro xay raTrc khi rui ro xay raSo tien chi traLong t thienThoa thuanPham vi hoat ongThien tai, chien tranhHau nh trong moi lnh vc

nh ngha ve bao hiemnh ngha 2:Bao hiem la mot nghiep vu qua o mot ngi (ngi c bao hiem) cam oan tra mot khoan tien (o la ph bao hiem) cho mnh hoac cho mot ngi th 3. Trong trng hp rui ro xay ra (s co bat ng va gay thiet hai) se nhan c mot khoan boi thng c tra bi mot ben khac (o la nha bao hiem). Nha bao hiem chu trach nhiem oi vi toan bo cac rui ro va boi thng thiet hai da theo cac phng phap cua thong ke.

Nhan xetnh ngha nay la da tren moi quan he phap ly cua hoat ong bao hiem, ngha la bang hp ong bao hiem, rui ro a c chuyen t NBH sang cho NBH.Ch noi en ph thuan ma khong noi en chi ph quan ly (nhan manh phan boi thng)Hp vi bao hiem thng mai v cac t cam oan, boi thng.Cac qui luat thong ke cho phep NBH tnh toan c cac chi ph cua mnh. ieu nay phan biet c bao hiem vi ca cc v bao hiem da tren so ong vi so ph c tnh toan tren c s cua thong ke.

2- S ra i va phat trien cua bao hiemTren the gii:-au tien bao hiem hang hai ra i-Tiep en bao hiem nhan tho ra i nhng b cam oan.-Tiep theo la bao hiem hoa hoan ra i.-Bao hiem nhan tho phat trien tr lai sau khi nha toan hoc ngi Phap Pascal va Bernouli phat hien va chng minh qui luat so ong.-Cac loai hnh bao hiem khac nh: tai nan, xe c gii, hang khong, bao hiem trach nhiem ch phat trien t the ky 19 ve sau.

Viet NamLch s ra i va phat trien bao hiem Viet Nam co the khai quat qua 3 giai oan chnh:-Giai oan trc nam 1975.-Giai oan t sau 30/4/1975 en trc 18/12/1993: nha nc tien hanh quoc hu hoa cac cong ty bao hiem cu lap nen cong ty bao hiem va tai bao hiem Viet Nam (BAVINA) tiep tuc thc hien trach nhiem cua cac cong ty cu vi NBH muon tiep tuc HBH.Ngay 17/10/89 chuyen cong ty BHVN thanh Tong Cty BHVN goi tat la Bao Viet-Giai oan t 18/12/1993 en nay.

Danh sach cac cong ty bao hiem co mat tren th trng Phi nhan thoCo phanBao Long5Moi gii BH100% Von nc ngoaiAon Inchibrotd 4Co phanNha ncCo phanHnh thc s huPhi nhan thoBao Minh3Tai bao hiemVinare2Nhan tho va phi nhan tho (*)Bao Viet1Lnh lc hoat ongTen cong tySTT

Danh sach cac cong ty bao hiem co mat tren th trng

STTTen cong tyHnh thc s huLnh lc hoat ong6PJICOCo phanPhi nhan tho7PVICo phanPhi nhan tho8VIALien doanhPhi nhan tho9UICLien doanhPhi nhan tho 10PTICo phanPhi nhan tho11Viet- Uc (BIDV-QBE)Lien doanhPhi nhan tho


STTTen cong tyHnh thc s huLnh lc hoat ong12Allizanz100% Von Nc ngoaiPhi nhan tho13Manulife100% Von Nc ngoaiNhan tho 14Bao Minh-CMGLien doanhNhan tho15Prudential100% Von nc ngoaiNhan tho


STTTen cong tyHnh thc s huLnh lc hoat ong16AIA100% Von nc ngoaiNhan tho17Groupama100% Von nc ngoaiPhi nhan tho18Viet QuocCo phanMoi Gii BH19Samsung_VinaLien doanhPhi nhan tho20IAILien doanhPhi nhan tho


STTTen cong tyHnh thc s huLnh lc hoat ong21Grassavoye100% Von nc NgoaiMoi gii BH22Vien ongCo phan Phi nhan tho23A ongCo phanMoi gii BH24ai VietCo phanMoi Gii BH

Ngy 19/12/2005 B Ti chnh chnh thc trao giy php thnh lp v hot ng kinh doanh bo him phi nhn th ti VN cho Tp on AIG (M). AIG l mt trong nhng tp on hng u th gii v kinh doanh bo him v cc dch v ti chnh vi tng ti sn gn 800 t USD. Trong , ngun vn ch s hu l 80,61 t USD, vn iu l ca AIG ti VN l 10 triu USD. y l tp on bo him nc ngoi u tin ti Vit Nam c cp hai giy php nhn th (AIA - cp php vo 23/12/1999) v phi nhn th (AIG - cp php vo 14/12/2005.

3- S can thiet khach quan cua bao hiem oi vi i song kinh te xa hoi

Trong o bao hiem la phng thc x ly rui ro u viet nhat, v:Bao hiem la phng thc hoan chuyen rui roS en bu la chac chan va co hieu qua tc khacSo tien en bu la thoa ang

4- Vai tro tac dung cua bao hiema- vai tro Phng dien kinh te xa hoi:Bao hiem la cong cu an toan va d phong Phng dien tai chnh:Bao hiem la nguon tai chnh quan trong bu ap cho ton that

b- TAC DUNG CUA BAO HIEM Tap trung vonBoi thng Ngan nga han che ton thatTang thu va giam chi cho ngan sach

5- Phan loai bao hiem thng maiBao hiem thng mai c chia lam cac loai sau: Can c oi tng bao hiem:Bao hiem tai sanBao hiem trach nhiem dan sBao hiem con ngi

Phan loai bao hiem thng maiBao hiem phi nhan tho bao gom: Bao hiem tai san Bao hiem trach nhiem dan s Bao hiem con ngi Ngan hanBao hiem nhan tho bao gom: Bao hiem con ngiDai han

Phan loai bao hiem thng mai Can c ky thuat bao hiem:

Bao hiem da tren ky thuat phan bo

Bao hiem da tren ky thuat don tch

Phan loai bao hiem thng mai Can c tnh chat so tien boi thngBao hiem co STBT tra theo nguyen tac boi thngBao hiem co STBT tra theo nguyen tac khoan

Phan loai bao hiem thng mai Can c vao phng thc quan ly:

Bao hiem t nguyen

Bao hiem bat buoc

Phan loai bao hiem thng mai Can c vao Ngh nh 100CP ngay 18/12/1993: Co 13 loai hnh bao hiem Bao hiem nhan tho. BHYT t nguyen va BH tai nan con ngi BH tai san va BH thiet hai. BH van chuyen ng bo, ng bien, ng song, ng sat va ng hang khong.

13 loai hnh bao hiemBH than tau va TNDS chu tau.BH trach nhien chung.BH hang khong.BH xe c gii.BH chay.BH tn dung va rui ro tai chnh.BH thiet hai kinh doanh.BH nong nghiep.Cac nghiep vu bao hiem khac do BTC qui nh.

6- Cac nguyen tac hoat ong cua bao hiemNguyen tac so ongNguyen tac trung thc tuyet oi

Cac nguyen tac hoat ong cua bao hiemNguyen tac so ongNoi dung:

V du: Tung ong xu 10 lan, lap lai 5 lan, ket qua c ghi nhan nh sau:

Lan 1Lan 2Lan 3Lan 4Lan 5Nga41378Sap69732%xuat hien mat nga40%10%30%70%80%

Cac nguyen tac hoat ong cua bao hiemNguyen tac so ongNoi dung: Bao hiem hoat ong da tren nguyen tac so ongHe qua cua Quy luat so ongNguyen tac phan tan:* Phan tan ve khong gian* Phan tan ve thi gianNguyen tac phan chia* ong bao hiem* Tai bao hiem

S o ong bao hiemCONG TY ONG BAO HIEM 20%CONG TY ONG BAO HIEM 30%CONG TYONG BAO HIEM 40%NGI C BAO HIEMCONG TYONG BAO HIEM 10%

S o tai bao hiem

Cac nguyen tac hoat ong cua bao hiemNguyen tac trung thc tuyet oi

Rui ro co the c bao hiem Ve ky thuat:Tap hp c so ong ngi co rui ro gan giong nhau: Tap hp so ong ngi Rui ro gan giong nhau

Rui ro co the c bao hiemRui ro muon c bao hiem phai la bien co ngau nhien: Bien co chac chan: Xac suat P(A) = 1 Bien co khong the xay ra:Xac suat P(A) = 0 Bien co ngau nhien (bien co khong chac chan)Xac suat 0 < P(A) < 1Bao hiem khong the am bao cho bien co chac chan, cung nh, khong the am bao cho bien co khong the xay ra

Rui ro co the c bao hiem Ve tai chnh:Bien co phai gay ra hau qua ton that tai chnh ln va ph bao hiem phai kinh teBien co phai khong co kha nang gay ton that hang loat

7- To chc bao hiemHp ong bao hiemCac cong ty kinh doanh bao hiemHoat ong v li nhuanHoat ong khong v li nhuan

Cac cong ty kinh doanh bao hiemTheo hnh thc s hu:Cong ty bao hiem nha ncCong ty co phan bao hiemCong ty lien doanhCong ty 100% von nc ngoai

Cac cong ty kinh doanh bao hiemTheo lnh vc hoat ong:Cong ty bao hiem gocCong ty tai bao hiemNgoai ra con co cac he thong trung gian bao hiem nh: ai ly bao hiem, cong ty moi gii bao hiem

Cac to chc bao hiem tng hoNguyen tacThanh vien to chc bao hiem tng ho va la ngi bao hiem va la ngi c bao hiemMuc ch hoat ongKhong v li nhuan da tren nguyen tac can bang thu chi

Phan 3: Hp ong bao hiemKhai quat ve hp ong bao hiemNoi dung cua hp ong bao hiem

Khai quat ve hp ong bao hiemnh nghaTnh chatHieu lc cua hp ong bao hiem

1- nh nghaHp ong bao hiem la s thoa thuan gia ben mua bao hiem (goi la ngi c bao hiem) vi ben bao hiem (doanh nghiep bao hiem) theo o ben mua bao hiem phai ong ph bao hiem, ben bao hiem phai tra tien bao hiem cho ngi thu hng hoac boi thng cho ngi c bao hiem khi xay ra s kien bao hiem.

2- Tnh chat: Hp ong bao hiem mang tnh tng thuan. Hp ong bao hiem la hp ong song phng. Hp ong bao hiem co tnh chat may rui. Hp ong bao hiem co tnh chat tin tng tuyet oi. Co tnh chat phai tra tien. Co tnh chat gia nhap. Tnh dan s - thng mai hon hp.

Hieu lc cua hp ong bao hiem Cung nh bat ky hp ong dan s va kinh te khac, hp ong bao hiem e co gia tr th phai am bao cac quy nh cua phap luat nh sau:c giao ket bi nhng ngi co nang lc hanh vi dan s

Hieu lc cua hp ong bao hiemMuc ch, noi dung khong trai phap luat va ao c xa hoi Hai ben giao ket hp ong phai hoan toan t nguyenHnh thc hp ong phai phu hp vi quy nh cua phap luat.

Noi dung cua hp ong bao hiemGia tr bao hiem- So tien bao hiemChu the cua hp ong bao hiemPham vi bao hiemPh bao hiemBoi thng hoac chi tra bi nha bao hiem Cac che o am bao bao hiem

Gia tr bao hiem- So tien bao hiemGia tr bao hiem:So tien bao hiem:STBH < GTBH BH di gia trSTBH = GTBH BH ung gia trSTBH > GTBH BH tren gia trSTBH = n.GTBH BH trung

Bao hiem trungLa trng hp cung mot tai san tham gia bao hiem nhieu cong ty bao hiem khac nhau vi cung mot loai rui ro va tong so tien bao hiem cua cac hp ong nay ln hn gap nhieu lan gia tr bao hiem.

STBH cua moi benSTBT cua moi ben = ------------------------------ x Ton that thc teTong STBH

Chu the cua hp ong bao hiemBen bao hiemBen c bao hiemNgi mua bao hiem Ngi c bao hiem Ngi thu hng

Pham vi bao hiemRui ro loai trRui ro c bao hiem

Ph bao hiem

Boi thng hoac chi tra bi nha bao hiem Cac nhan to anh hng en so tien boi thng (hoac Tien bao hiem c tra)Pham vi bao hiem thoa thuan;So tien bao hiem thoa thuan;Ton that thc te;Cac che o am bao bao hiem

Cac che o am bao bao hiemCo 3 che o:Che o bao am bao hiem theo ty leChe o bao am bao hiem theo rui ro ban auChe o bao am bao hiem theo nguyen tac trach nhiem vt gii han (che o mien thng)

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