Tcdn1005ueh34 m1 Case1 p5 Mdf

Trang 1/27 TRNG AI HOC KINH TE TP. HCM KHOA TAI CHNH DOANH NGHIEP BO MON BAO HIEMa ch: 279 Nguyen Tri Phng, Quan 10, Tp. HCM, ien thoai: 8575623; Website: http://www.baohiem.pro.vn;

MON HOC: NGUYEN LY THC HANH BAO HIEM Module: 1Nhm: tcdn1005ueh34 STT H v tn SV STT H v tn SV

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Trn Th i Tin Nguyn Gia Tan Vng Nguyn Bch Trm Trn Thanh Tng Trn Kim Uyn Bi Th Ngc Vn

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Nguyn Tng Vi Nguyn Thanh V an Thy Vy

iem Bang so Bang ch

Ch ky giang vien

Nhan xet cua giang vien:

Nhm: tcdn1005ueh34 Mn: NLTHBH Module 1

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MC LC

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MC LC1.S PHT TRIN CA TH TRNG BO HIM VIT NAM:.....................4 1.1 Giai an trc 1993:.........................................................................................4 1.2 Giai an t 1994 n 2007:...............................................................................4 1.3Vit Nam sau gia nhp WTO:.............................................................................6 2.PHN TCH SWOT TH TRNG BO HIM VIT NAM:..........................8 2.1Tng quan v phn tch SWOT:..........................................................................8 2.2Phn tch SWOT:.................................................................................................9 2.2.1Phn tch mi trng v m_M hnh PEST-N:..............................................9 2.2.1.1 Mi trng chnh tr (P):..........................................................................9 2.2.1.2Mi trng kinh t (E):.............................................................................9Tng trng kinh t:.................................................................................................................................9 C cu kinh t:........................................................................................................................................10 Tc ng ca lm pht v cc bin ng kinh t:..................................................................................11

2.2.1.3Mi trng x hi (S):.............................................................................12 2.2.1.4Mi trng cng ngh (T):......................................................................13 2.2.1.5Mi trng t nhin (N):.........................................................................13 2.2.2Phn tch mi trng vi m_M hnh 5 Forces ca Michael Porter:...........14 2.2.2.1Nng lc thng lng ca nh cung cp:..............................................14 2.2.2.2Nng lc thng lng ca khch hng:.................................................15 2.2.2.3e da ca cc sn phm thay th:..........................................................15 2.2.2.4Mc cnh tranh gia cc cng ty hin c trong ngnh:......................15 2.2.2.5Nguy c nhp cuc ca cc i th cnh tranh tim tng:.......................17 2.2.3S dng m hnh SWOT nh gi th trng bo him Vit Nam:................18 C hi...................................................................................................................18 Thch thc............................................................................................................18 1.Mi trng php l ngy cng han thin.........................................................18 1Bt n kinh t......................................................................................................18 2.Kinh t tng trng............................................................................................18 2Nhn thc cha cao v khng ng u................................................................18 3.Quy m dn s ln..................................................................................................18 3 p dng cng ngh mi tn km v kh khn....................................................18 4.Kh hu nhit i gi ma.....................................................................................18 im mnh............................................................................................................18 im yu...............................................................................................................18 1.Th trng ngy cng ln mnh.........................................................................18 1)Vic gii quyt bi thng cn nhiu hn ch...................................................18 2.Kh c sn phm thay th han ton.................................................................18 2)Thiu s phi hp cht ch, hiu qu vi nh cung cp....................................18 3.Sn phm a dng, ngun nhn lc ngy cng chuyn nghip..........................18 4.Chin lc Marketing pht trin........................................................................18 3.MT S GII PHP THC Y TH TRNG BO HIM VIT NAM:..........................................................................................................................19 C hi...................................................................................................................19 1.Mi trng php l ngy cng han thin...........................................................19 2.Kinh t tng trng............................................................................................19Nhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

MC LC

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3.Quy m dn s ln..................................................................................................19 4.Kh hu nhit i gi ma.....................................................................................19 5.Th trng bo him Vit Nam c nh gi cao..............................................19 Thch thc............................................................................................................19 1.Bt n kinh t.....................................................................................................19 2.Nhn thc cha cao v khng ng u...............................................................19 3.p dng cng ngh mi tn km v kh khn.....................................................19 im mnh............................................................................................................19 1.Th trng ngy cng ln mnh.........................................................................19 2.Kh c sn phm thay th han ton.................................................................19 3.Sn phm a dng, ngun nhn lc ngy cng chuyn nghip..........................19 4.Chin lc Marketing pht trin........................................................................19 im yu...............................................................................................................21 1.Vic gii quyt bi thng cn nhiu hn ch...................................................21 2.Thiu s phi hp cht ch, hiu qu vi nh cung cp....................................21 Nhng gii php khc : .........................................................................................22 TI LIU THAM KHO:.......................................................................................25


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TNG QUAN

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NH GI, D BO V XUT GII PHP THC Y TH TRNG BO HIM VIT NAM1. S PHT TRIN CA TH TRNG BO HIM VIT NAM: 1.1 Giai an trc 1993: Hot ng bo him nc ta c nhng bc pht trin ngay t thi thc dn Php. min Nam, hot ng kinh doanh bo him kh pht trin, c hn 52 cng ty trong v ngoi nc trin khai cc nghip v bo him a dng nh bo him ha hon, bo him chuyn ch, bo him sinh mng, bo him tai nn lao ng... min Bc, hot ng bo him ch thc s bt u khi c s ra i ca cng ty Bo him Vit Nam, gi tt l Bo Vit vo ngy 17/12/1964 v chnh thc i vo hot ng vo ngy 15/01/1965. Sau khi min Nam hon ton gii phng, cc cng ty bo him c ca min Nam c tin hnh quc hu ha. Cng ty Bo him v Ti bo him Vit Nam (BAVINA) c thnh lp. Nm 1976, khi t nc hon ton thng nht, cng ty c chuyn thnh chi nhnh ca Bo Vit ti thnh ph H Ch Minh. Thi k ny, Bo Vit l cng ty duy nht hot ng kinh doanh bo him Vit Nam theo ch hch ton ton ngnh v trc thuc B Ti chnh. C th ni trong giai on ny, hot ng bo him nc ta vn cha pht trin, cc sn phm v dch v bo him cha a dng, ch yu l cc nghip v bo him phi nhn th vi khong 20 sn phm bo him. 1.2 Giai an t 1994 n 2007: Ngy 18/12/1993, ngh nh 100-CP v hot ng kinh doanh bo him c Chnh ph ban hnh, m ra bc pht trin mi cho ngnh bo him Vit Nam. N ph v th c quyn ca ngnh bo him, to tin cho s ra i ca cc t chc bo him vi nhiu hnh thc khc nhau thuc mi thnh phn kinh t : Bo Minh,


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TNG QUAN

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VINARE, PJICO... cc cng ty lin doanh, vn phng i din ca cc cng ty nc ngoi nh: UIC, VIA ... Nm 1996, Bo Vit nghin cu v a ra th trng dch v bo him nhn th u tin, nh du s pht trin khng ngng ca bo him nhn th Vit Nam. Nm 2000, Lut kinh doanh bo him ra i. Sau , cc Ngh nh s 42/2001/N-CP v Ngh nh s 43/2001/N-CP, thng t s 71/2001/TT-BTC v s 72/2001/TT-BTC ln lt c Chnh ph v B ti chnh ban hnh. c bit, nm 2003, Th tng chnh ph k Quyt nh s 175/2003/Q-TTg ph duyt chin lc pht trin th trng bo him Vit Nam t nm 2003 n nm 2010, c bit khi chng ta tham gia quan h thng mi song phng v a phng gia Vit Nam vi cc nc trong khi ASEAN, EU, Hoa k v sp n l gia nhp WTO th vic hi nhp quc t trong lnh vc bo him s to ra c hi v thch thc i hi th trng bo him phi gia tng nng lc cnh tranh, pht trin ph hp vi tiu chun v thng l quc t. Tnh n ht nm 2006, th trng bo him Vit Nam c hn 30 DNBH trong c 21 DNBH phi nhn th, 7 DNBH nhn th, 8 DN mi gii BH, 1 DN ti BH. Mng li phn phi sn phm nh cc chi nhnh, i l, mi gii pht trin rng khp : 75.000 i l BHNT chuyn nghip, 30.000 i l BHPNT bn chuyn nghip, v 8 DN mi gii BH. Nng lc hot ng ca cc DNBH ngy cng c nng cao, sn phm bo him phong ph a dng vi hn 700 sn phm BHPNT v hn 100 sn phm BHNT, p ng nhu cu ca nn kinh t - x hi. Ngun thu ch yu ca ngnh l t ph bo him. Mc tng trng doanh thu ph bo him t 1993 n 2004 l 38%/nm, nhng t l ng gp ph bo him vo GDP ca Vit Nam li kh nh t 0,37% nm 1993 tng ln 2,13% vo cui nm 2006. Tuy nhin, th trng bo him Vit Nam phn chia khng ng u: 95% th phn l ca cc DNBH trong nc lnh vc bo him phi nhn th, trong khi cc doanh nghip bo him nc ngoi chim n 62,5% th phn bo him nhn h. Qui


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m vn ca cc doanh nghip bo him trong nc cng b hn ch. Phng thc cnh tranh ch yu l gim ph v khai thc th trng thng qua cc mi quan h. Hot ng u t ca cc doanh nghip bo him tr li nn kinh t cn nhiu hn ch v hiu qu cha cao. n cui nm 2006, tng u t ca cc doanh nghip bo him l 34.400 t ng, chim 4,07% GDP, ch yu vo tri phiu chnh ph v tin gi ngn hng. 1.3 Vit Nam sau gia nhp WTO: u nm 2007, Vit Nam chnh thc tr thnh thnh vin ca t chc thng mi th gii - WTO. Tin trnh hi nhp kinh t quc t, t do ha thng mi, u t din ra ngy cng su rng trn mi lnh vc, trong ngnh bo him l mt trong nhng lnh vc i u trong vic hi nhp kinh t th gii. iu ny ko theo s ra i ca nhiu doanh nghip bo him, c bit l ca cc doanh nghip nc ngoi, trong c nhiu nh bo him, mi gii bo him hng u th gii nh AIG, ACE, Marsh, Aon Bn cnh , nhiu doanh nghip bo him trong nc tng vn vi quy m ln, mt s cn lin doanh vi cc tp on bo him, ti chnh hng u quc t nh Bo Vit vi HSBC, Bo Minh vi AXA gip cc doanh nghip trong nc va c c ngun vn thng d ln, va to iu kin trao i k nng chuyn ngnh, cng ngh qun l gp phn thc y nng lc cnh tranh ca cc doanh nghip trong nc. Nng lc ti chnh ca th trng nh m ngy cng nng cao p ng nhu cu d phng ti chnh, m bo ri ro, thc y pht trin nn kinh t x hi. Ch qun l nh nc v hot ng kinh doanh bo him ngy cng c hon thin thng qua vic ban hnh Ngh nh 45 v 46, thng t 155, 156 hng dn thi hnh N 45, N 46, thng t lin tch B Cng an, B Ti chnh s 41 v Q 28 v bo him chy n bt buc, thng t lin tch B Cng An, B Ti Chnh s 16 v Q 23 v bo him bt buc TNDS ch xe c gii. C th ni, khung php l chuyn ngnh bo him c xy dng v hon thin hn to iu kin cho s tng trng v lm c s cho s pht trin lu di ca th trng trong tng lai. i ng cn b bo him, i l bo him ngy cng c cht lng. Phn ln cc doanh nghip bo him u u t vo pht trin cng ngh thng tin phc v choNhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

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cng tc qun l v khai thc bo him. c bit trong giai on ny, cc doanh nghip bo him ch trng vic u t ngun vn ch s hu tr li nn kinh t, tp trung vo cc lnh vc u t an ton v c hiu qu kinh t cao nh gp vn lin doanh, tham gia thnh lp cng ty c phn, cho vay, tham gia cc d n u t, mua tri phiu Chnh ph, mua c phiu, gi tit kim ngn hng... Cc doanh nghip bo him tr thnh cc nh ch trung gian ti chnh huy ng vn hiu qu cho nn kinh t. Doanh thu th trng bo him tng trng u n, vi tc kh cao ngay c trong thi k kinh t khng hong (2008: 15,4%, 2009: 14,1%), quy m th trng ngy cng m rng. Bo him thng mi chim gi v tr ngy cng quan trng hn, ng gp ngy cng ln hn vo s tng trng chung ca nn kinh t quc dn. Th trng bo him Vit Nam 6 thng u nm 2011 vn duy tr tc tng trng kh. Tng doanh thu ph bo him 6 thng u nm 2011 c t 17.362 t ng, trong doanh thu bo him phi nhn th khong 10.123 t ng, tng 22% so vi cng k nm 2010, doanh thu ph bo him nhn th khong 7.239 t ng, tng 15,93% so vi cng k nm 2010.


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2. PHN TCH SWOT TH TRNG BO HIM VIT NAM: 2.1 Tng quan v phn tch SWOT: Phn tch SWOT l mt m hnh ni ting trong phn tch kinh doanh ca doanh nghip, SWOT l tp hp vit tt nhng ch ci u tin ca cc t ting Anh: Strengths (im mnh), Weaknesses (im yu), Opportunities (C hi) v Threats (Thch thc). M hnh SWOT thng a ra 4 chin lc c bn: (1) SO (Strengths Opportunities): cc chin lc da trn u th ca cng ty tn dng cc c hi th trng. (2) WO (Weaks - Opportunities): cc chin lc da trn kh nng vt qua cc yu im ca cng ty tn dng c hi th trng. (3) ST (Strengths - Threats): cc chin lc da trn u th ca ca cng ty trnh cc nguy c ca th trng. (4) WT (Weaks - Threats): cc chin lc da trn kh nng vt qua hoc hn ch ti a cc yu im ca cng ty trnh cc nguy c ca th trng. M hnh phn tch SWOT thch hp cho vic nh gi hin trng ca cng ty thng qua vic phn tch tnh hnh bn trong (Strengths v Weaknesses) v bn ngoi (Opportunities v Threats) cng ty. SWOT cung cp mt cng c phn tch chin lc, r sot v nh gi v tr, nh hng ca mt cng ty hay ca mt n kinh doanh. SWOT ph hp vi lm vic v phn tch theo nhm, c s dng trong vic lp k hoch kinh doanh, xy dng chin lc, nh gi i th cnh tranh, tip th, pht trin sn phm v dch v... Phn tch SWOT gip bn vch ra bin php gim nhng nh hng tiu cc t nhng im yu ca mnh ti kt qu kinh doanh trong khi pht huy ti a cc im mnh ca bn. Bng phn tch SWOT cng c th gip cng ty chun b sn sng cc ngun lc v kh nng vi mu cnh tranh ca i th. Tuy nhin, cht lng phn tch SWOT ph thuc vo cht lng thng tin thu thp c. Thng tin cn trnh ci nhn ch quan t mt pha, nn tm kim thng tin t mi pha: Ban gim c, khch hng, i tc, nh cung cp, i tc chin lc, t vn... SWOT cng c phn hn ch khi sp xp cc thng tin vi xu hng gin lc. iu ny lm cho nhiu thng tin c th b g p vo v tr khng ph hp vi bn cht vn .Nhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

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2.2 Phn tch SWOT:

2.2.1 Phn tch mi trng v m_M hnh PEST-N: 2.2.1.1 Mi trng chnh tr (P):

Mi trng php l cho hot ng kinh doanh bo him ngy cng c hon thin, ph hp vi chun mc quc t, to chun cho cc doanh nghip bo him hot ng hiu qu, pht trin bn vng, bo v quyn li ca ngi mua bo him. S ra i ca mt s sn phm bo him bt buc nh bo him trch nhim dn s ca ch xe c gii, bo him trch nhim dn s ca ngi vn chuyn hng khng i vi hnh khch; bo him trch nhim ngh nghip i vi hot ng t vn php lut; bo him trch nhim ngh nghip ca doanh nghip mi gii bo him; bo him chy, n to iu kin thun li cho vic kinh doanh bo him. Vic Chnh ph cho php cc doanh nghip bo him c vn u t nc ngoi tham gia cung cp dch v bo him ti th trng Vit Nam s tng thm nng lc khai thc bo him ca th trng bo him. Chnh sch m ca to mi trng thun li cho u t trc tip nc ngoi v hot ng xut nhp khu lm tng cu bo him1.

2.2.1.2

Mi trng kinh t (E):

Tng trng kinh t:Nn kinh t tip tc tng trng cao, hng ha ca Vit Nam s c mt th trng rng ln hn, l cc thnh vin WTO; ng thi hng ha nc h s c xm nhp vo th trng Vit Nam lm cho kinh t pht trin, to tin cho cc ngnh ngh pht trin nh giao thng vn ti ng b, hng khng, xut nhp khu lm tin cho bo him pht trin. GDP (nm 2010) vt mc 100 t USD tng trng trn 6,7%, bnh qun u ngi 1.160 USD, tng trng nng nghip 2,6%; cng nghip v xy dng 7,6%;: http://webbaohiem.net/b%E1%BA%A3o-hi%E1%BA%BBm-v%E1%BB%9Bi-wto/1232-caccam-kt-wto-nh-hng-th-nao-n-bo-him-.html1


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PHN TCH SWOT

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dch v 7,5%; xut khu trn 70 t USD chim 70% GDP, Vit Nam gim h ngho t 22% nm 2005 xung cn 9,45% nm 2010. Quy m th trng bo him cn nh b, cha thc s p ng c yu cu pht trin kinh t x hi. Hn ch ny th hin kh r t trng doanh thu ph bo him trong GDP c tng song vn cn rt thp so vi cc nc trong khu vc v quc t (Singapo l 6,00%; i loan 6,9%; Thi Lan 4,7%; mc trung bnh trn th gii l 7,8%). Nhng thun li trn l tin cho ngnh bo him tng trng. Ngi dn bt u c tch lu v yn tm s dng tin tch lu ny u t tr li nn kinh t, trong bo him nhn th l mt trong nhng knh u t vn c ngi dn la chn. u t trc tip nc ngoi v u t trong nc pht trin nhanh chng. y cng l c s ngnh bo him pht trin, ng thi cng i hi ngnh bo him phi c sn phm bo him p ng nhu cu ca tng trng u t nc ngoi v trong nc, nht l nhng c s u t ngnh ngh mi, cng ngh cao nh ng tu, xy dng ng tu in ngm, xy dng ngnh in t cng ngh thng tin, xy dng nh my lc du, in nguyn t, v tinh, sn xut linh kin my bay y l tim nng cho bo him xy dng lp t, bo him ti sn, bo him k thut, bo him trch nhim pht trin.

C cu kinh t:C cu ngnh tnh theo GDP ca nn kinh t c s thay i theo hng cng nghip ha, hin i ha. T trng khu vc nng lm ng nghip gim, trong khi t trng khu vc cng nghip v dch v ngy cng tng to tin cho s pht trin ca th trng bo him Vit Nam.


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PHN TCH SWOT

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Ngun: Gso.gov.vn

Tc ng ca lm pht v cc bin ng kinh t:c trng ca bo him l nhn ph trc v chi tr, bi thng sau. Lm pht l k th ca cc nh bo him. Lm pht va nh hng trc tip n gi tr ca ci ca cc t chc bo him, va tc ng gin tip qua sc mua ca bn mua bo him. Lm pht cao ngi dn t quan tm n vic tham gia bo him nhn th. Trong khi mt s nc pht trin tnh trng lm pht rt thp ch khon 1-2%/ nm, th lm pht Vit Nam li din bin kh phc tp, c bit l trong nhng nm gn y, nm 2011 IMF d bo lm pht vit nam khong 18,8%.

Trc tnh trng lm pht tng cao, ngy 24/2/2011, Chnh ph a ra Ngh quyt 11/NQ-CP v gii php kim ch lm pht. Trin khai ngh quyt ny, c rt nhiuNhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

PHN TCH SWOT

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bin php ct gim chi tiu cng. Trong , kh nhiu d n nm trong k hoch nm 2011 b ct gim. Theo tnh ton s b, ti thng 4/2011, c 1.387 d n vi tng s vn ct gim gn 3.400 t ng. Cc bin php ct gim chi tiu, co hp cc d n u t cng s nh hng ng k ti cc doanh nghip bo him phi nhn th c hng mc bo him xy dng v lp t chim mt t trng kh ln trong danh mc sn phm ca cc doanh nghip. Khi lm pht tng cao ko li sut tng theo khin cc doanh nghip v ngi dn s c xu hng ct gim cc khon chi cha cp thit, trong c khon chi cho bo him v i vi nhiu doanh nghip, y l khon chi cha thy ngay c li ch. Thm vo , khi lm pht c xu hng tng ln, gi tr quyn li bo him s c xu hng gim, nh hng nht nh ti tm l ca khch hng mua bo him theo hng gim nhu cu mua2. Gi vng, t gi ngoi hi v li sut thay i nh hng ng k ti hot ng kinh doanh bo him. Mt s doanh nghip bo him phi nhn th trong nc gp kh khn trong vic tng vn iu l do kh huy ng vn t bn ngoi. Lnh vc bo him nhn th cng gp kh khn trong khai thc, tm kim khch hng tim nng, mt s t khch hng tham gia bo him khng cn kh nng ng ph bo him.

2.2.1.3

Mi trng x hi (S):

Vit Nam l nc ng dn th 13 trn th gii (xp x 87 triu ngi ) v cng l nc c dn s tr (65 - 68% s ngi tui di 35) nhng mi c khong 5% dn s mua bo him. Nu so snh vi cc nc trong khu vc chu , theo con s thng k th khong 20-40% dn s mua bo him. Chi ph cho bo him t GDP cc quc gia pht trin l khong 10-15% th Vit Nam chi ph cho bo him mi chim khong 2% t GDP3. Nhu cu mua bo him ang gia tng nhanh mi i tng, thnh phn v tui c dn. Do , Vit Nam l mt th trng rt tim nng.

2

: http://www.kinhte24h.com/?a=TW&tw=NEWS&news=VIE&home_id=59&view_id=67068

: http://www.webbaohiem.net/th%E1%BB%8B-tr/4005-thi-truong-bao-hiem-viet-nam-rat-tiemnang.html3


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Vi i a s ngi dn Vit Nam, bo him nhn th vn cn l mt lnh vc mi m. y chnh l c hi cc cng ty bo him nhn th khm ph, pht trin th trng.

2.2.1.4

Mi trng cng ngh (T):

Trong bi cnh hi nhp quc t, vic ng dng cng ngh thng tin cho php cc doanh nghip bo him vi tnh ho qu trnh dch v, gim bt tnh cng knh ca c cu t chc doanh nghip bo him, a dng ho knh phn phi v cc hnh thc dch v, tng cng dch v khch hng bng cc dch v ph tr k thut cao,... Cng ngh s pht trin gip ch nhiu cho cc nh bo him trong cng tc qun l v iu hnh hot ng. Ngoi ra, s pht trin nhanh chng ca cng ngh thng tin to ra mt thi quen tiu dng mi cho khch hng. Tuy nhin, cc sn phm cng ngh thng tin lin tc c tung ra th trng. Vic u t v thay i cng ngh l ht sc tt km, c bit i vi cc doanh nghip non tr Vit Nam. Mc khc, vic p dng l ht sc kh khn khi m i ng lao ng vn hnh ny Vit Nam l khng nhiu hoc l phi o to thm. Vi li trnh dn tr cn cha cao nn h s khng mn m lm vi nhng cng ngh xa x ny.

2.2.1.5

Mi trng t nhin (N):

Vit Nam nm trong khu vc c kh hu nhit i gi ma, thng xuyn c bo lt, c bit l 90% lng ma vo ma h. i vi loi bo him ti sn, nh ca, y l tim nng ln khi m ngi dn mun bo v ti sn ca h thng qua vic thc hin cc hp ng bo him. Chng hn nh, hng nm Vit Nam c hng chc cn bo b thit hi v nh ca c bit tu b hng ha l rt ln. V vy, cc doanh nghip bo him nn nh mnh vo phn khc ny. Tuy nhin, ri ro l khng nh khi s tn ph ny c th nhn chm cc cng ty bo him. Do , vic xc nh loi hnh cng nh mc ph chp nhn c cho ngi dn l yu t v cng quan trong cho i vi cc doanh nghip bo him. Nhit trung bnh hng nm c s khc bit ln gia cc vng (dao ng nhit t mc thp nht l 5C t thng 12 n thng 1, cho ti hn 37C vo thng 4). iu ny tc ng khng nh ti sc khe con ngi, cc bnh truyn nhim cngNhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

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tng ln. iu ny cng lm tng nhu cu ca mi ngi i vi sn phm bo him. i vi cc loi gia xc, hin nay ang tr nn mt trong nhng thch ln nht ca ngi nng dn nh dch tai xanh, H5N1v vy doanh nghip nn ch ti loi hnh bo him ny.

2.2.2 Phn tch mi trng vi m_M hnh 5 Forces ca Michael Porter: 2.2.2.1 Nng lc thng lng ca nh cung cp:

Bo him l ngnh c tnh x hi rt cao khng ch ch khch hng ca n hin hu mi lnh vc m cn ch n s dng nhng dch v c cung cp bi nhiu ngnh ngh a dng, nh: Gio dc, thng k, ngn hng, cng ngh phn mm, y t, vin thng Trnh pht trin ca nh cung ng cng nh cht lng dch v cung ng gp phn quyt nh n cht lng dch v ngnh bo him, nh hng n thng hiu v kh nng cnh tranh ca cc doanh nghip bo him. Song hin ti, vn cha c s phi hp cht ch, hiu qu gia doanh nghip bo him vi nh cung cp: Hn ch trong dch v ngn hng: Cng ty bo him k tha thun chung vi tr s chnh ngn hng nhng khi trin khai ti cc chi nhnh ngn hng thng gp kh khn: cc chi nhnh khng p dng ng mc ph, mc th lao tha thun, khng cung cp khng gian, d liu khch hng. Hn ch v dch v y t: Phm vi bo him ca bo him y t cn kh hp, cn c s phn bit trong iu tr gia bnh nhn hng bo him y t v bnh nhn dch v. Trn thc t, phn ln bnh nhn c bo him y t v thuc tng lp trung lu tr ln khi khm cha bnh u khng s dng quyn li t bo him y t c tip cn cht lng dch v y t cao hn. Tnh trng nhiu bnh vin u qu ti, nht l cc c s tuyn tnh, tuyn trung ng, bnh nhn phi ch i lu khi khm cha bnh, nm chung ging bnh cn kh ph bin khin nhiu ngi ngi tham gia v s dng cc dch v do bo him y t chi tr4.4

: http://www.baomoi.com/Nhieu-nguoi-ngai-tham-gia-dich-vu-bao-hiem-y-te-chi-tra/144/7195890.epi Lp Tc10 Module 1

Nhm: tcdn1005ueh34 Mn: NLTHBH

PHN TCH SWOT

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Hn ch v ngun nhn lc: Do cc c th ngh nghip, s lin kt gia o to v th trng l yu t ht sc quan trng trong gio dc nghip v bo him. Tuy nhin, vic o to nghip v bo him ti cc trng i hc nhn chung vn l xa ri thc t, chng trnh o to vn cha bm st nhu cu ca ngnh. V pha doanh nghip bo him Vit Nam, hn ch v kh nng ti chnh khng cho php cc doanh nghip ny c th u t di hn cho vic o to cc cn b ca mnh5.

2.2.2.2

Nng lc thng lng ca khch hng:

Cu bo him xut pht t khch hng bo him (tim nng hay thc t), c th l nhng c nhn khi mua bo him cho bn thn hay cho gia nh mnh, cng l nhng php nhn, cc doanh nghip, cc t chc. V nguyn tc, hp ng bo him c giao kt v thc hin da trn c s t nguyn ca khch hng nhng do nhng c tnh ring bit ca hp ng bo him, khch hng bo him lun v th yu hn.

2.2.2.3

e da ca cc sn phm thay th:

Dch v bo him l dch v nhm p ng nhu cu a dng ca khch hng, bao gm nhu cu bo v, nhu cu tit kim v nhu cu u t. Sn phm thay th l sn phm ca cc ngnh m phc v nhu cu khch hng tng t nh dch v bo him. Do , cc nh bo him lun phi phng s cnh tranh ca cc sn phm thay th n t ni b nn kinh t hoc t bn ngoi. Nn kinh t tng trng cao i hi nhu cu vn v nhu cu bo him phi p ng, t lm tin cho bo him nhn th, tn dng ngn hng, chng khon pht trin. S cnh tranh gia cc t chc ti chnh (nh ngn hng, chng khon v cc t chc ti chnh khc) v cc doanh nghip bo him nhn th trong vic thu ht tin vn nhn ri trong dn chng ngy cng gay gt. Theo nh gi chung, s cnh tranh ca cc t chc ti chnh l mt trong nhng nguyn nhn chnh gy ra s suy gim ca th trng bo him nhn th trong giai on 2004-2006.

2.2.2.45

Mc cnh tranh gia cc cng ty hin c trong ngnh:

:http://www.baovietnhantho.com.vn/newsdetail.asp? websiteId=1&newsId=537&catId=199&lang=VN Nhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

PHN TCH SWOT

Trang 16/27

Trc xu hng m ca hi nhp, th trng bo him trong nc b thm nhp bi cc i th cnh tranh t bn ngoi, t bit l khi cc doanh nghip bo him hot ng nc ngoi c cung cp mt s sn phm bo him qua bin gii (vo Vit Nam). y l iu ng lo ngi trong cuc cnh tranh khng cn sc i vi cc doanh nghip bo him ang hot ng ti Vit Nam (Doanh nghip Vit Nam, doanh nghip lin doanh, doanh nghip 100% vn nc ngoi). Trc ht, h khng th bit c thng tin v i th cnh tranh ca h (Doanh nghip bo him ang hot ng nc ngoi) c th l ai ang bn sn phm bo him vo Vit Nam. Th hai, v kh ca i th ang s dng l loi g khng c bit r: n bo him, iu khon bo him, iu kin bo him, ph bo him nh th no? Th ba, doanh nghip bo him ang hot ng ti Vit Nam phi ng thu cho ngn sch nh nc nh thu VAT, thu thu nhp doanh nghip, thu mn bi, thu s dng t hot ng kinh doanh c doanh thu t Vit Nam, m i th th khng b ng gp cc khon thu trn. Trong mt cuc cnh tranh m ch c doanh nghip nc ngoi bit thng tin v cc doanh nghip bo him ang hot ng ti Vit Nam trong khi cc doanh nghip bo him ti Vit Nam khng c thng tin g v doanh nghip bo him ang hot ng ti nc ngoi s to ra nhng kh khn, thch thc khng nh cho cc doanh nghip ang hot ng trong nc hin nay6, d thy nht l trong lnh vc bo him hng ha. Kim ngch xut khu hng ha c nc nm 2010 t 71,6 t USD, kim ngch nhp khu hng ha t 84 t USD. Mc d kim ngch hng ha xut nhp khu c mc tng trng cao (tng ng l 25,5% v 20,1% so vi nm 2009) nhng cc doanh nghip bo him Vit Nam mi ch bo him c khong 5% tng kim ngch hng xut khu v 33% kim ngch hng nhp khu. Trong khi , th trng chng kin s tri dy mnh m ca cc cng ty bo him nc ngoi. Mc d thc t cho thy, mua bo him hng ha t cc nh bo him Vit Nam c nhiu ci li cho cc doanh nghip hn. Th nht, cc doanh nghip c giao dch vi ngi Vit Nam, trnh c phin phc v ro cn php l v ngn ng, a l. Th hai, hin cc nh bo him trong nc c nng lc t vn cho khch hng cc thng tin tu vn chuyn qua cc mng li hng hi uy tn trn th gii, t vn cc chnh sch 6

: http://thongtinphapluatdansu.wordpress.com/2009/08/27/3695/ Lp Tc10 Module 1

Nhm: tcdn1005ueh34 Mn: NLTHBH

PHN TCH SWOT

Trang 17/27

phng hn ch tn tht v hng dn khiu ni, la chn iu kin bo him u vit c bit, khch hng c th np ph bng ng Vit Nam gim chi ngoi t nu lm vic vi nh bo him trong nc. Tuy nhin, doanh nghip bo him Vit Nam vn cha tn dng c li th ny. T thc trng cho thy nng lc hot ng ca cc doanh nghip Vit Nam cn hn ch v cha mang tm quc t7.

2.2.2.5

Nguy c nhp cuc ca cc i th cnh tranh tim tng:

Sn phm bo him d bt chc v c pht trin tun theo chun mc quc t. V vy, khi thnh lp v i vo hot ng cc doanh nghip bo him thng l k tha cc sn phm bo him c sn trn th trng bo him quc t v trong nc. Mt khc, do khng tn ti cc ro cn khi gia nhp ngnh, ch cn cc t chc, c nhn trong v ngoi nc nu iu kin theo lut nh u c quyn xin php thnh lp doanh nghip bo him, trong c cc doanh nghip bo him nc ngoi theo ng cam kt WTO. iu ny s lm gia tng ng k s lng i th mi nhp cuc. Chng hn nh, s ra i ca cng ty bo him phi nhn th Hng khng do s gp vn ca 4 c ng v Vietnam Airlines, cng ty bo him phi nhn th SHBVinacomin (SVIC) ra i di s gp vn lin kt gia ngn hng thng mi c phn Si Gn (SHB) v tp an than khong sn Qung Ninh (TKV) trong nm 2009 lm thu hp th phn ca Bo Minh. V con s li nhun ca cc cng ty bo him va gia nhp ngnh nm 2009, cng ty bo him than khong sn li 32,4 t ng, bo him hng khng li 66,2 t ng chng t cho s d di trong vic to ra cc sn phm bo him c trn th trng lm khuych i bi cnh cnh tranh trong ngnh bo him8. Do , ngnh bo him vn cnh tranh gay gt s ngy cng gay gt hn, trong s chy mu cht xm ngun nhn lc ch cht sang doanh nghip bo him mi cng l iu ng lo ngi.

7

: http://cafef.vn/2011071304502016CA34/bao-hiem-hang-hoa-doanh-nghiep-noi-lep-ve.chn

8

: http://www.docstoc.com/docs/69426599/%C4%90%C3%A1nh-gi%C3%A1-th%E1%BB%8B-tr

%C6%B0%E1%BB%9Dng-b%E1%BA%A3o-hi%E1%BB%83m-Vi%E1%BB%87t-Nam-t %E1%BB%AB-n%C4%83m-1993-%C4%91%E1%BA%BFn-n%C4%83m-2009Nhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

PHN TCH SWOT

Trang 18/27

2.2.3 S dng m hnh SWOT nh gi th trng bo him Vit Nam: C hi 1. Mi trng php l ngy cng han thin. 2. Kinh t tng trng.3. Quy m dn s ln. 2 Nhn thc cha cao v khng ng u. 3 p dng cng ngh mi tn km v kh khn. 4. Kh hu nhit i gi ma

Thch thc 1 Bt n kinh t.

im mnh 1. Th trng ngy cng ln mnh. 2. Kh c sn phm thay th han ton.

im yu 1) Vic gii quyt bi

thng cn nhiu hn ch. 2) Thiu s phi hp cht ch, hiu qu vi nh cung cp.

3.

Sn phm a dng, ngun nhn lc ngy cng chuyn nghip.

4.

Chin lc Marketing pht trin.


Lp Tc10

GII PHP

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3. MT S GII PHP THC Y TH TRNG BO HIM VIT NAM: Phn tch SWOT a ra cc gii php han thin. 2.Kinh t tng trng. 3.Quy m dn s ln. 4.Kh hu nhit i gi ma 5.Th trng bo him Vit Nam c nh gi cao. * O1-S: L hnh lang vng chc -S4- T2: + Thay i cch tip cho cc doanh nghip t do hot cn khch hng nh truyn 1.Th trng ngy cng ng theo khun kh php lut. thng, thay v qung co rm ln mnh. => 1.V pha cc c quan chc r trn cc phng tin thng 2.Kh c sn phm nng: tin i chng hay cho cc nhn thay th han ton. 3.Sn phm a dng, ngun nhn lc ngy cng chuyn nghip. - R sot, hon thin hnh lang vin n tng gia nh t vn php l th trng bo him s dng dch v; bn cnh vn hnh theo chun mc quc cc doanh nghip bo him nn t, to ra mi trng cnh tranh nh cc khch hnh ca chnh lnh mnh. im mnh C hi Thch thc

1.Mi trng php l ngy cng 1.Bt n kinh t. 2.Nhn thc cha cao v khng ng u. 3.p dng cng ngh mi tn km v kh khn.

mnh, tng hng li t cc 4.Chin lc Marketing - Kim sot, kim ton ni b dch v bo him chia s, to pht trin. nhm phng chng cc biu hin cch n gn hn vi khch tiu cc hng tim nng trong tng lai - Thng xuyn theo st din y c xem cch tip cn bin th trng, tng cng kim mang tnh khch quan hn. tra, pht hin v x l nghim khc cc hnh vi cnh tranh khng lnh mnh, trc li, khng tun th cc yu cu ti chnh,Nhm: tcdn1005ueh34 Mn: NLTHBH Module 1

+ Lin tc thc hin nghin cu v pht trin th trng tm kim thm nh cungLp Tc10

GII PHP

Trang 20/27

khng thc hin nghim chnh cc quy nh ca Lut cnh tranh, lut kinh doanh bo him lm nh hng n quyn v li ch chnh ng ca ngi tham gia bo him. 2.V pha Hip hi Bo him Vit Nam: - xy dng v ban hnh quy tc hp tc chng cnh tranh khng lnh mnh gia cc doanh nghip bo him trn th trng 3.V pha cc doanh nghip bo him: - tun th cc quy nh ca php lut v kinh doanh ni chung, kinh doanh bo him ni ring,

cp v cc khch hng tim nng cho ngnh. + Thng tin mt cch ng u n cc khu vc dn c m bo mi ngi u nhn c ngun tin hu ch v tin cy. + Khi dy v cng c nim tin i vi c nhn, t chc tham gia. S1- T3: : Vi s h tr mnh m ca cng ngh thng tin, nn vic nh ph cc sn phm bo him c th gim phc tp.

cc chnh sch v cnh tranh, + Cc doanh nghip nn u t v cn nhc k lng khi s chng c quyn dng bt k mt phn mm h tng tr no phn tch nhy trng kinh t nhanh v quy m ca ph bo him vi cc bin dn s ln l c s cho th s kinh t nh l li sut, lm *O2,O3-S1,S4:tc ln pht, gi chng khon, nhm mnh.Bng cch tng cng cc a ra ph bo him ph hp. trng BH ngy mt hot ng marketing ch yu thng qua i l thu ht nhiu khch hng hn. Do vy m cc doanh nghip nn tch cc hn na pht trin a dng cc sn phm bo him v + Tuy nhin, khng nn u t nhy vt m hy u t dn, c chn lc v c chin lc, k hoch c th.


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GII PHP

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d nh sn phm bo him lin kt u t chung v lin kt u t n v *O4-S2,S3,S4.cc nguy c tim n t kh hu ny to iu kin thun li cho BH pht trin v doanh thu(kh c sp thay th) v c v cht lng(sn phm a dng)thng qua nhiu knh tip th nhiu ngi c bit n tc dng v li ch ca chng. * O5-S1.l c hi cho cc doanh nghip u t nc ngoi gia nhp th trng VN.Cc doanh nghip nn tng cng cc hot ng marketing qung b im yu 1.Vic gii quyt bi thng cn nhiu hn ch. thng hiu hn na. 1. W1-O1 : Thc hin ng cc php lut v bi thng trong hot ng kinh doanh bo him. Hp ng bo him phi quy nh r rng v thi gian v mc

2.Thiu s phi hp cng ty bo him thc hin cht ch, hiu qu vi bi thng khi ri ro xy ra. nh cung cp. Ci cch hnh chnh, n gin ho th tc bn bo him, gim nh tn tht v bi thng nhanh gn chnh xc

2. W2-O2 Pht trin cc sn phm bo him a dng, chtNhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

GII PHP

Trang 22/27

lng tt cho khch hng trong nn kinh t tng trng v cht lng cuc sng tng cao. Pht trin cc sn phm bo him a dng v d nh sn phm bo him lin kt u t chung v lin kt u t n v Cn tng cng kim tra, gim st hot ng kinh doanh bo him v cc hot ng ti chnh c lin quan. Pht hin v ngn chn kp thi nhng hin tng v c tnh dy chuyn gia cc ngnh c lin quan nhiu n lnh vc bo him, nh ngn hng, ti chnh, chng khon v kinh doanh bt ng sn. Cc doanh nghip to nn tng pht trin bn vng thng qua hon thin m hnh qun tr doanh nghip theo thng l quc t; pht trin cng ngh thng tin, u t pht trin ngun nhn lc, pht trin thng hiu Nhng gii php khc :

Nh nc c chnh sch khuyn khch ngi dn tham gia bo him nhn th, u tin pht trin cc sn phm bo him nhn th c tnh cht u t di hn; khuyn


Lp Tc10

GII PHP

Trang 23/27

khch cc doanh nghip bo him nghin cu trin khai cc sn phm bo him nng, lm, ng nghip; ch trng m rng phm vi hot ng n cc vng su, vng xa. Vic cp php thnh lp cho cc cng ty bo him c vn u t nc ngoi hot ng ti Vit Nam phi ph hp vi quy m, yu cu pht trin ca th trng, l trnh hi nhp v cc cam kt quc t. Ch trng n cc cng ty bo him thuc cc nc c quan h thng mi v u t vi Vit Nam, cc cng ty c nng lc ti chnh, trnh cng ngh, kinh nghim hot ng bo him v c ng gp vo s pht trin th trng bo him Vit Nam. Khuyn khch cc doanh nghip trong nc m rng phm vi hot ng kinh doanh, k c th trng bo him quc t v khu vc, tham gia gp vn vo cc cng ty bo him, mi gii bo him, ti bo him ang hot ng thnh cng nc ngoi v thnh lp cc cng ty con kinh doanh bo him nc ngoi. Cc doanh nghip to nn tng pht trin bn vng thng qua hon thin m hnh qun tr doanh nghip theo thng l quc t; pht trin cng ngh thng tin, u t pht trin ngun nhn lc, pht trin thng hiu. Ch trng khch hng c nhn, cung cp cc dch v ti chnh kt hp khng nh thng hiu v cht lng dch v, nng cao nng lc cnh tranh quc t. Cc cng ty bo him rt cn hp tc vi nhau trong nhiu mt. Thng qua Hip hi bo him, cc thnh vin c th c nhng tc ng tch cc nhm m rng, nh hng cho th trng, duy tr s cnh tranh lnh mnh, chng trc li bo him to iu kin pht trin c li cho ton ngnh. Tng cng nng lc ti chnh, kh nng cnh tranh trn th trng thng qua kh nng thanh ton, cng nh m bo cc cam kt i vi ngi tham gia BH To ra nhiu dch v gia tng ngoi vic c bo him nh c khm cha bnh ti c s y t v bc s ni ting theo gi u i, c sa cha xe (khng thuc trch nhim bi thng ca bo him) ti c s uy tn v c gim gi... Ci cch hnh chnh, n gin ho th tc bn bo him, gim nh tn tht v bi thng nhanh gn chnh xcNhm: tcdn1005ueh34 Mn: NLTHBH Module 1 Lp Tc10

GII PHP

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Ch trng n cng tc u t ti chnh t qu d phng nghip v bo him nhm em li bo tc ngy mt tt hn cho khch hng. Tip tc xy dng thng hiu, vn ho doanh nghip v phong cch phc v tt. Thit lp mi quan h cht ch gia nh qun l vi doanh nghip. Phi hp vi Hip hi bo him thc thi nhng nguyn tc o c ngh nghip, o to ngun nhn lc. Gip ngi dn nhn thc c tm quan trng ca nhng bo him cn thit..


Lp Tc10

TI LIU THAM KHO

Trang 25/27

TI LIU THAM KHO:

1. http://webbaohiem.net/ki%E1%BA%BFn-th%E1%BB%A9c-chung/1239-lch-s-phattrin.html

2. http://www.vietcapital.com.vn/vi-vn/zone/318/item.cco 3. http://thuvienphapluat.vn/archive/Nghi-dinh/Nghi-dinh-100-CP-kinh-doanh-baohiem-vb38656t11.aspx

4. http://daotaobaohiem.blogspot.com/ 5. http://muabaohiemonline.net/index.aspx?Def=578&ID=996&CateID=509#ixzz1bm7LbNhQ

6. http://www.baoviet.com.vn/insurance/newsdetail.asp? websiteId=1&newsId=537&catId=199&lang=VN 7. http://webbaohiem.net/th%E1%BB%8B-tr/816-ngun-nhan-lc-cho-nganh-bohim-nhiu-thach-thc.html 8. http://www.baomoi.com/Nhan-su-bao-hiem-van-trong-tinh-trang-cung-thaphon-cau/146/5896142.epi 9. http://www.qlct.gov.vn/Web/Content.aspx?distid=2586&lang=vi-VN 10. http://thongtinphapluatdansu.wordpress.com/2010/09/13/5226/ 11. http://www.prulink.com.vn/kien_thuc_unit_link.php# 12. http://www.webbaohiem.net/kinh-doanh/6344-no-ro-nhu-cau-bao-hiem-kethop-dau-tu.html 13. http://www.baomoi.com/Nganh-bao-hiem-doc-suc-voi-cuoc-dua-cong-nghe 14. http://www.webbaohiem.net


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TI LIU THAM KHO

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15. http://webbaohiem.net/b%E1%BA%A3o-hi%E1%BA%BBm-v%E1%BB %9Bi-wto/1234-th-trng-bo-him-vit-nam-vi-vic-gia-nhp-wto.html


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TI LIU THAM KHO

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