liên kết giữa ngân hàng thương mại cổ phần bảo việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính

LI CAM ĐOAN

 ! "Liên kết giữa Ngân hàng thương mại cổ
phần Bảo Việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính#$%
&'($)$(*+, -/0/123.
4&4356&'78'9(:;<
65=8>56?&&68>@A6?&96
BC?C C(8:58'.
&'8D5<431+483<7
)E@=?FG5!1
H$H&58>.
&'IJ4&8!8+83.K.
Tc gi lun văn
Trần Bảo Ngọc
MỤC LỤC
LI CAM ĐOAN
DANH MỤC CHỮ VIẾT TẮT
DANH MỤC HÌNH, BẢNG, BIỂU ĐỒ
TÓM TẮT LUẬN VĂN
L.M.LN&JJ4$H8: OP
TÀI LIỆU THAM KHẢO
DANH MỤC CHỮ VIẾT TẮT
Q.R22 STD$U8V@WR23
M.RXY SX<TZZ?'[8DRXY
L.24C STD\2'[8
].2^X SV<?'[8DW$@&4[_T8
P.2_T S2'_TD
O.XT SX<<
`.aT Sa@
b.aT2Z Sa@?'[8
c.aTd,2Z Sa@8<?'[8

Qe.fYa SX:()4;5?d
QQ.Za2 STD$U8V@W@&4[@ZgXAd
QM.d-^, S@?'[8d-88
QL.TZTT STDT$
Q].TZd STD$U8
QP.h_^ SV<V@W?'[8(WA_T8
QO.h^ SV<V@W?'[8?$
Q`.i2Y SX<TZZ?'[8i2Y
Qb.dXh S$U8V@W
Qc.j^X SX<?'[85@
Me.NZXT SNk>+l
DANH MỤC HÌNH, BẢNG, BIỂU ĐỒ
HÌNH
Z3Q.QS d>'@m8+D<?'[8 Y444SnCoC4CC
4Co(
Z3Q.MS X&F@>545TDp2'[8 Y444S
nCoC4CC4Co(
Z3M.QS -UgUFV1TD$U8V@W2'_ Y444S
nCoC4CC4Co(
BẢNG
2'M.QS 2&&8>q>8MeQe+2Rr_^Y2
Y444SnCoC4CC4Co(
2'M.MS a@A2Z@D4L8>+2Rr_^Y2
Y444SnCoC4CC4Co(
2'M.LS a@A2ZD4L8>+2Rr_^Y
278'@m8! Y444SnCoC4CC4Co(
2'L.QS Xq88MeQP+2Rr_^Y2V<
2'[82'_ Y444SnCoC4CC4Co(
2'L.MS Xq88MeQP+2Rr_^Y2V<
2'_TD Y444SnCoC4CC4Co(

BIỂU ĐỒ
X&(J:A5TDp2'[84[VX<
2'[82'_ L`
X&(J:A5TDp2'[84[VX<
2'_TD Lc
./[88 PM
?./[8 PM
.XU> PL
(.&1KTUJ4$H PL
L.M.LN&JJ4$H8: OP
MỞ ĐẦU
TDp2'[858>4;[88+
D.TD$U8V@W2'_2Rr_^Y2 4
H8Meec65<+@A2'[82'_.TD
$U8V@W2'_s7!5%41&'
@m8(J:A+83<8>X<2'[8.
_5)!"Liên kết giữa Ngân hàng thương mại cổ phần Bảo
Việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính"t8
1638U>@&4[)5;TD$U8V@m2'_
&<?'[84!>@W.
1F!5u5U?'!85TDp2'
[8v&&)45;TD$U8V@W2'_
&<?'[841(J:Av@$U$'@&@
$H5;TD$U8V@W2'_&<
?'[841(J:A.
/$%@81+5585;TD
$U8V@W2'_V<2'[82'_V
<2'_TD4L8vJ$$H5+
TD$U8V@W2'_&<?'[88MeQP.
X&@$U@&@$%9(:[1S6@DAV

%@()4Uw@DA))4;'5TDp
2'[8k$%TD$U8V@W2'_.
T&4?368:5:6(8:?'?[3s&=x6
&@W8wW56(8:58'65$%
L$U6P?'6M?[gL3s.

CHƯƠNG 1
MỘT SỐ VẤN ĐỀ LÝ LUẬN VỀ LIÊN KẾT NGÂN HÀNG –
BẢO HIỂM
1.1 Khái niệm và yêu cầu Liên kết Ngân hàng – Bảo hiểm
TDp2'[85DX<?'[8%@
&[@&4[@D@8>&'&'@m8D
?'[8<F@&'@m8y8>Uw&.
zW+5TDp2'[8Sh'78>J4$HAV
J@&4[6J4$H?'[8@&4[685${$&(J:
D(6vXW7J@&@5u !U4'g
@D@vX&<?'[8W7'@m8?[
?&DvX&D?'[8@'7A$U4
J4$H87[5vTD<?'[8@'7
43><@&4[.
1.2 Những nội dung cơ bản của Liên kết Ngân hàng – Bảo hiểm
TDp2'[87?F@>%@&SMột là,Du
|@D@'@m8<?'[86C76D7
4}5$H(<?'[8?&&(J:?'[8&
+83. Hai là6D<?'[8x8;V@W+
.Ba là6D5@8><?'[8$%5<?'
[85@8>D8.
Q.L Những nhân tố ảnh hưởng đến liên kết Ngân hàng – Bảo hiểm
TDp2'[8J'$w+&D&
++S d<4$HA4JIk>6? XA&l

8<J4$H?'[86 -)@&4[+J4$HA!
VJ6( Z@&@5!>+D?'[86C

d:5$%>+D&<?'[86o -'
@m8@y%@6 TgD5)5)'4J!6UFV16
 43><+M?6 )&@y%@6~ (:$%
5%+&D<?'[845@@D@.
CHƯƠNG 2
THỰC TRẠNG LIÊN KẾT GIỮA NGÂN HÀNG TMCP
BẢO VIỆT VỚI CÁC CÔNG TY BẢO HIỂM TRONG
CUNG ỨNG DỊCH VỤ TÀI CHÍNH
2.1 Lợi thế và bất lợi trong liên kết Ngân hàng – Bảo hiểm
TDp2'[8•@D78(J:F@
&.d€&6)5![D
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=@A?'[8.24C4g&86U>&
'@m888@AH8<5&<?'[8./
(7&@D@6$H'4F54
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(?'[8$7J4@D@5TD
p2'[8


2.2 Tình hình thị trường bảo hiểm và ngân hàng Việt Nam hiện nay
J4$H?'[8_T8@&4[W.4
8MeQe67eL(@$%F@@E@86477eQaT2Z@D
6eQaT2ZDeQaTd,2Z6DV(@>
4J4$H5PL(@g8McaT@D6QMaTD6QQ
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F@x!F@@E@5@>.
T8MeQe58!9&D(>+
'AW*$x@:.TDk@'8€
&&@5)!>!565kFƒ&?>„
X&D$U88w4>(J:4'7@8<<6[
'IC(5J36IC(5J(6IC'6„aJ:84'7@
{@&4[8&<J6„X&'@m856?&E'
@m8A6$%4[!.
2.3 Thực trạng liên kết giữa Ngân hàng thương mại cổ phần Bảo Việt với
các công ty bảo hiểm trong cung ứng dịch vụ tài chính và những kết quả
chủ yếu
2Rr_^Y2k5@D@4)@&'@m8?'[8IC<
<6?'[8$D2'[82'_.X&(J:A5
TDp2'[84[VX<2'[82'_S2'[8
$D62'[8ICU62'[81…62'[8$H.
2Rr_^Y2VX<2'TD2'_TD k
uZ%@g%@&48Meec.Z?kF4[@&
4[eP'@m85M78'@m8A5 T78'@m8!
9SA4$Hh•6A>v T78'@m8!SAT@6
AR,6Ah&>6XF'5$U6XF
'&D.

2.4 Những chính sách biện pháp Ngân hàng thương mại cổ phần Bảo Việt
liên kết với công ty bảo hiểm trong cung ứng dịch vụ tài chính

)(&'@m8?'[8U'6W@:
DF@681>&F@6>'
K?g$H&?2Rr_^Y2.@4x5!'@m8(J:
+2Rr_^Y2'@m8?'[8.h&4[&'@m8?'[8
@1@U6&@1WQ@D•J4$H?$?'[8
4&8W6?'[8F5$%'@m8.4[
•&62Rr_^Y2RT)'8@A&681'8
@'$%|&X<.-)5;TD
$U8V@W2'_&<?'[842'_$%)
4+2Rr_^Y26?g8Z>w6&6@}
(J.<!'@m864[(4&?&6@A6?&9
€&UJ@&K4!<75$%@&56
A$H?&A6@ATD„T462Rr_^Y2})
84C4)@SH4U6$|64D8'&@<&„
2.5 Đánh giá chung tình hình liên kết giữa Ngân hàng thương mại cổ
phần Bảo Việt với các công ty bảo hiểm trong cung ứng dich vụ tài chính
A&OKMeQQ)5;2Rr_^Y22'[82'
_k4O(J:A&@1W&.T8MeQQ(
@A?'[8k5&[64O&W8V(@A?'
[8b.PPP.c`P.cQe kF@Q]5WV(@A?'[88MeQe
P]b.eMb.L`] .-5$%&(J:A4[(SZ?k@
%@y4[!'@m8?'[8$S?'[86IC<<6IC
8&61|C6$H6(5J6'67„
2Rr_^Y2VX<2'TD2'_TD k
uZ%@g%@&=8Meec T8Meec6D$U8V
@W2'_8>6)5q(=wL'@m8(J:
AV(@Ab].]QP.eee._8MeQQ'@m8k
5F@<6V(@AOQP.OMP.eee 

Hạn chế của liên kết Ngân hàng – Bo hiểm tại Ngân hàng thương mại cổ phần

Bo Việt
T;S_V14[1(J:5TD
p2'[88$%ID()$$%@4K8<7.XU
>5$.TD84H6@J4$H
76&$$%3'$U6A+2Rr_^Y
2.•J4$H@&4[VJk?JA&85l.&
9(:(J:A+2Rr_^Y2$[!!&'@m8
†8C./+4+2Rr_^Y25.
TD+;SXUw(;5&+2Rr_^Y
2}A.8+2Rr_^Y244[5TD
p2'[8._T88V1$U8(7)
4(‡4x4J4$HA_T8.
TDp2'[85@D@8$H(D$[;
A(@D@85.2Rr_^Y2$$4$%U
5>5TDp2'[8.
CHƯƠNG 3
PHƯƠNG HƯỚNG, GIẢI PHÁP TĂNG CƯNG LIÊN KẾT
GIỮA NGÂN HÀNG TMCP BẢO VIỆT VỚI CÔNG TY BẢO
HIỂM TRONG CUNG ỨNG DỊCH VỤ TÀI CHÍNH
3.1 Sự ảnh hưởng của tình hình kinh tế quốc tế và trong nước tới liên kết
Ngân hàng – Bảo hiểm
&$@&4[Dˆ6>4$w@A?'[8
D$AQO6b‰48MeQe81Qe6`‰+8Meec
()?&s4$wQe6L‰48MeQQ._)?>$
68!?J'$w€?5A6477
D?'[8.a7)5TDp2'[8{?J'
$w($)&>+33.

J4$H?'[8_T8@&4[W.>
4$w8+J4$H?'[8+_T8s'MM‰

4=8MeQQ8MeQP.XA>@@E@&
D$8F'&a_TZ_T8._8MeQP6
&D$ID8@J4$H4$s4F!.
/D58>F!4F4+!5&15
D_T84&43>@.
3.2 Định hướng và mục tiêu tăng cường liên kết giữa Ngân hàng thương
mại cổ phần Bảo Việt với các công ty bảo hiểm trong cung ứng dịch vụ
tài chính
d:S@:C8<3'5u@46?'
'8>(5TDp2'[8+
C8<3.4P82Rr_^Y2s)8w
4>5&<?'[85;<?'[8$
k=)5TDp2'[8.
/J$$H5S(:85$Š7&U
5%@5u[@4m85TDp2'[86&@1
W+&488!F$.Z$&$%&
5(@=|[@&4[8(J:5TDp2'
[8.ND()5$%U%@5u[)4$w88s!
(24C.Z%@&'U&<?'[85UJ
@2'_[&&5%+6€?5!'
&6'?&E'@m8.
3.3 Kế hoạch triển khai liên kết Ngân hàng – Bảo hiểm trong năm 2011
và định hướng đến năm 2015 của BAOVIET Bank
-'@m8&&DS2Rr_^Y2s5@D@
A1&'@m8S?'[8$D6?'[8IC<<6?'[81

|C6?'[8$H6?'[81|C$H814&8
6?'[8>36?'[814%$H8…A
(:6?'[8(5J?'[8(5J4$.h&4['@m8
?'[8&89!8v?'[8+…Rdv

?'[8&C@:>(v?'
[8($H$H( .2Rr_^Y24[
@D@'@m8?'[8DRh&Z$,6R-,&
(:&'@m8?'[8&C8<3‹,
iW"
-'@m8(&(@SX[(W=8<3
8<3@D@'@m84)@6?g8&'@m8S 2'
[87SIFm6@m?'[87[>Jv
2'[8&'6?g8S?'[8&&4+4€?6?'[8
&VFF?FH.
3.4 Giải pháp nhằm tăng cường liên kết giữa Ngân hàng thương mại cổ
phần Bảo Việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính
V1&7!5TDp2'[8&?>
2Rr_^Y26gHW7>k>%@5u[•;D
g&?>743>8.TD43>!<<
6W$U&<?'8(;5=&$@&4[.
2Rr_^Y2W7A&W$A&UwW
%@&+83.h&4[(J:?&S/D5(J:
8kt881&4+47[C85&.Z
4356DF5$%>[846[8&>?>.
3.4 Một số kiến nghị về liên kết Ngân hàng – Bảo hiểm
\XA@+W@'@:U5@&@A&[
!&D&<?'[878>8<4$H@&@5u
<&8?g?>68<4$H(VJ658.

d>!IF:[$S2VJ!&@D@847
724C62VJ!&1?&'@m8
?'[8+24C6iJ:[!5$%(@?'
[888>D$%562VJU4'g
45u?'[8V162VJ!$U43F@

1  q        5u  ?'  [8      >  {  ?&    +  
24C.
\ TZTTW@:88$XA@+4ID()
@&@5uq>5TDp2'[8.TZTTW
$H&%@&&V1A6&D
4t8<!>5TDp
2'[8.TZTT{WID()<?&A!'@m85
TDp2'[8[)F&DID()5$%
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()?&'JG!&53(J::[67@@WD
F5$%!.
KẾT LUẬN
k58&|88>F!5u5U?'!)5
TDp2'[8.$4;W+)5{$
D&6+'$w)5;UJ(
A5.{kŒJ)W@'@&4[)5
TDp2'[8TD$U8V@W2'_4!
>@.
_;[?!)D6?'[8_
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)4@&4[5TDp2'[841(J:
AwTD$U8V@W2'_4Hv=74•4
I
[88[86U>&16D+&4Uw
5@&OKMeQQ.
X18:J$@&4[(J:+2Rr_^Y2
4H65!IF8>'@&@Jt8@&
;5%6(:&U>x@:;g64+44
5TDp2'[8+D$U8V@W2'_.
}$4;J6!IFXA@+TZTT!

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ID();m!F5$%<D?'[8„
T;J$%$4887@@WID()TD
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'67@@WDJJ4$HA_T84!>
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MỞ ĐẦU
1. TÍNH CẤP THIẾT CỦA ĐỀ TÀI
TQQ\Q\Mee`6_T8A14w+V1
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_T8p[V<=X<T$X<XV@W6
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5%7Š87$%5D84J4$H?'[8{$
>W$+836TD$U8V@W2'_2Rr_^Y
2 4H58>F8<3@A%@?'[8
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7!5%41&'@m8(J:A+83<
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_5)!“Liên kết giữa Ngân hàng thương mại cổ phần Bảo

Việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính„t8
1638U>@&4[)5$<?'[8D$U
87TD$U8V@m2'_744!
>@W.
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2. MỤC ĐÍCH NGHIÊN CỨU
T1;F!5u5U?'!5TDp2'[8v
/&&)45;TD$U8V@W2'_
&<?'[841(J:Av
h$U$'@&@$H5;TD$U8
V@W2'_&<?'[841(J:A.
3. ĐỐI TƯỢNG VÀ PHẠM VI NGHIÊN CỨU
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h81S-)5;TD$U8V@m2'
V<2'[82'_V<2'_TD4
L8vJ$$H5+TD$U8V@W2'
_&<?'[88MeQP.
4. PHƯƠNG PHÁP NGHIÊN CỨU
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=?$584‚&F!1.
5. KẾT CẤU LUẬN VĂN
7F$%58L$US
\ Chương 1: Một số vấn đề lý luận về liên kết Ngân hàng – Bảo hiểm
\ Chương 2: Thực trạng liên kết giữa Ngân hàng thương mại cổ phần
Bảo Việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính
\ Chương 3: Phương hướng và giải pháp tăng cường liên kết giữa Ngân

hàng thương mại cổ phần Bảo Việt với các công ty bảo hiểm trong
cung ứng dịch vụ tài chính
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CHƯƠNG 1
MỘT SỐ VẤN ĐỀ LÝ LUẬN VỀ LIÊN KẾT
NGÂN HÀNG - BẢO HIỂM
1.1 Khái niệm và yêu cầu Liên kết Ngân hàng – Bảo hiểm
1.1.1 Khái niệm Liên kết Ngân hàng – Bảo hiểm
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1.1.2 Yêu cầu của liên kết Ngân hàng – Bảo hiểm
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]
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?!€.
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44J4$H6$$%$U483338

8><?'[85[55!77[I'4.
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4$%;'@m8q67A'6D'
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1.2 Những nội dung cơ bản của Liên kết Ngân hàng – Bảo hiểm
1.2.1 Nội dung của liên kết Ngân hàng – Bảo hiểm
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T$65TDp2'[8Cl•@6758>(%@
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5w8})x€s!8€5$%.
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Thứ nhất6Du|@D@'@m8<?'
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Hình 1.1: Một số sản phẩm của ngân hàng và công ty bảo hiểm
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x8;V@W$%).
ZU;6D<?'[87@5@8><?'
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Hình 1.2: Các cấp độ liên kết trong liên kết Ngân hàng – Bảo hiểm
1.2.2 Sản phẩm của sự liên kết Ngân hàng – Bảo hiểm (Bancassurance)
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(J:CI$)&9(:(J:.
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@D&.
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b
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2'[8A(:S
/$%9(:44$H%@'$%F@&?'
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&.
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2'[8FS

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b. Cc sn phẩm gửi tiền
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5$%@J4$H+AD7.
X$U438+TD

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x($L& .
-'@m8W$Wu
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c. Cc sn phẩm đóng gói theo tiêu chuẩn gin đơn
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