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#$%
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65=8>56?&&68>@A6?&96
BC?C C(8:58'.
&'8D5<431+483<7
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H$H&58>.
&'IJ4&8!8+83.K.
Tc gi lun văn
Trần Bảo Ngọc
MỤC LỤC
L.M.LN&JJ4$H8: OO
DANH MỤC CHỮ VIẾT TẮT
P.Q22 RSD$T8U@VQ23
M.QWX RW<SYY?'Z8DQWX
L.2[W RU<?'Z8DV$@&4Z\S8
].2Y R2'Z8
^.2\S R2'\SD
^.WS RW<<
O._S R_@
`._S2Y R_@?'Z8
a._Sb,2Y R_@8<?'Z8
c.dX_ RW:()4;5?b
Pe.Y_2 RSD$T8U@V@&4Z@YfWAb
PP.b-[, R@?'Z8b-88
PM.SYSS RSDS$
PL.SYb RSD$T8

P].g\[ RU<U@V?'Z8(VA\S8
P^.g[ RU<U@V?'Z8?$
PO.h2X RW<SYY?'Z8h2X
P`.-g R-'@i8
Pa.bWg R$T8U@V
Pc.j[W RW<?'Z85@
Me.NYWS RNk>+l
DANH MỤC BẢNG, BIỂU ĐỒ, HÌNH
BẢNG
2'M.PR 2&&8>m>8MePe+2Qn\[X2
X444RoCpC4CC4Cp(
2'M.MR _    @A  2Y  @  D    4  L  8    >  +
2Qn\[X2 X444RoCpC4CC4Cp(
2'M.LR q4@D@2Y@D2Qn\[X2 X444R
oCpC4CC4Cp(
2'M.]R >43@&4Z&'@i85;2Qn\[X2
2'\D X444RoCpC4CC4Cp(
2'M.^R -  5    >    +  78  -g  ?'  Z8  !  9  
2Qn\[X2 X444RoCpC4CC4Cp(
2'M.OR _@A2YD4L8>+2Qn\[X
278'@i8! X444RoCpC4CC4Cp(
2'M.`R q4@D@78-g2Y!2Qn\[X2
MeecrMePe X444RoCpC4CC4Cp(
2'M.aR _@A?'Z82Qn\[X2MeecrMePe X444R
oCpC4CC4Cp(
2'M.cR _f(J:2Qn\[X224C8
MeecrMePe X444RoCpC4CC4Cp(
2'L.PR Wm88MeP^+2Qn\[X2U
<2'Z82'\ X444RoCpC4CC4Cp(
2'L.MR Wm88MeP^+2Qn\[X2U

<2'\SD X444RoCpC4CC4Cp(
BIỂU ĐỒ
.W&(J:A5SDs2'Z84ZUW<
2'Z82'\ L`
?.'$% La
.W&(J:A5SDs2'Z84ZUW<
2'\SD ]M
L.M.LN&JJ4$H8: OO
HÌNH
Y3P.PR b>'@i8+D<?'Z8 X444R
oCpC4CC4Cp(
Y3P.MR W&F@>545SDs2'Z8 X444R
oCpC4CC4Cp(
Y3M.PR -TfTFU1SD$T8U@V2'\
X444RoCpC4CC4Cp(
MỞ ĐẦU
SDs2'Z858>4;Z88+
D.SD$T8U@V2'\2Qn\[X2 4
H8Meec65<+@A2'Z82'\.SD
$T8U@V2'\t7!5%41&'
@i8(J:A+83<8>W<2'Z8.
\5)!"Liên kết giữa Ngân hàng thương mại cổ phần Bảo
Việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính"u8
1638T>@&4Z)5;SD$T8U@i2'\
&<?'Z84!>@V.
1F!5v5T?'!85SDs2'
Z8w&&)45;SD$T8U@V2'\
&<?'Z841(J:Aw@$T$'@&@
$H5;SD$T8U@V2'\&<
?'Z841(J:A.

/$%@81+5585;SD
$T8U@V2'\U<2'Z82'\U
<2'\SD4L8wJ$$H5+
SD$T8U@V2'\&<?'Z88MeP^.
W&@$T@&@$%9(:Z1R6@DAU
%@()4Tx@DA))4;'5SDs
2'Z8k$%SD$T8U@V2'\.
S&4?368:5:6(8:?'?Z3t&=y6
&@V8xV56(8:58'65$%
L$T6^?'6M?ZfL3t.

CHƯƠNG 1
MỘT SỐ VẤN ĐỀ LÝ LUẬN VỀ LIÊN KẾT NGÂN HÀNG –
BẢO HIỂM
1.1 Khái niệm và yêu cầu Liên kết Ngân hàng – Bảo hiểm
SDs2'Z85DW<?'Z8%@
&Z@&4Z@D@8>&'&'@i8D
?'Z8<F@&'@i8z8>Tx&.
{V+5SDs2'Z8Rg'78>J4$HAU
J@&4Z6J4$H?'Z8@&4Z685$|$&(J:
D(6wWV7J@&@5v !T4'f
@D@wW&<?'Z8V7'@i8?Z
?&DwW&D?'Z8@'7A$T4
J4$H87Z5wSD<?'Z8@'7
43><@&4Z.
1.2 Những nội dung cơ bản của Liên kết Ngân hàng – Bảo hiểm
SDs2'Z87?F@>%@&RMột là,Dv
}@D@'@i8<?'Z86C76D7
4~5$H(<?'Z8?&&(J:?'Z8&
+83. Hai là6D<?'Z8y8;U@V+

.Ba là6D5@8><?'Z8$%5<?'
Z85@8>D8.
1.3 Những nhân tố ảnh hưởng đến liên kết Ngân hàng – Bảo hiểm
SDs2'Z8J'$x+&D&
++R b<4$HA4JIk>6? WA&l
8<J4$H?'Z86 -)@&4Z+J4$HA!
UJ6( Y@&@5!>+D?'Z86C

b:5$%>+D&<?'Z86p -'
@i8@z%@6 SfD5)5)'4J!6TFU16
 43><+M?6 )&@z%@6• (:$%
5%+&D<?'Z845@@D@.
1.4 Lợi thế và bất lợi trong liên kết Ngân hàng – Bảo hiểm
SDs2'Z8€@D78(J:F@
&.b•&6)5!ZD
@.F>+DD<F@
8&'@i8?'Z8.SDs2'Z8$H$T
A+D4J4$H.f>+D
=@A?'Z8.24C4f&86T>&
'@i888@AH8<5&<?'Z8./
(7&@D@6$H'4F54
J4$H?k6fH'8?)?>5%CH.
SDs2'Z8t7&><8>4
?7F!$$T6A6'5vE8+<8‚t5F!
<$%5.SDs2'Z8~}@'7
568643>'5v6(8:V$4ƒ46%@5v9(:f
>?'Z8.-)?+&!5%A+(J
:?'Z8D*~x81F@.Y6@&@5!
(?'Z8$7J4@D@5SD
s2'Z8


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 Tình hình thị trường bảo hiểm và ngân hàng Việt Nam hiện nay
J4$H?'Z8\S8@&4ZV.4
8MePe67eL(@$%F@@E@86477eP_S2Y@D
6eP_S2YDeP_Sb,2Y6DU(@>
4J4$H5^L(@f8Mc_S@D6PM_SD6PP
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F@y!F@@E@5@>.
S8MePe58!9&D(>+
'AV*$y@:.SDk@'8•
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W&D$T88x4>(J:4'7@8<<6Z
'IC(5J36IC(5J(6IC'6„_J:84'7@
|@&4Z8&<J6„W&'@i856?&E'
@i8A6$%4Z!.
2.2 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 và những kết quả
chủ yếu
2Qn\[X2k5@D@4)@&'@i8?'Z8IC<
<6?'Z8$D2'Z82'\.W&(J:A5
SDs2'Z84ZUW<2'Z82'\R2'Z8
$D62'Z8ICT62'Z81…62'Z8$H.
S8Meec(@A2Y@D881Pqf34
8MePek5F@c6^5V8m4O&V8MePP6U@A
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4@A2Y<<8F'O]†38MePeO&

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V8MePPq5'8Im~5V5$%5M^†P`†.76
q5@A2Y4M8MePeMePP!84^e†U(@A6
•?84O&V8MePP.
2Qn\[X2UW<2'SD2'\SD k
vY%@f%@&48Meec.Y?kF4Z@&
4Ze^'@i85M78'@i8A5 S78'@i8!
9RA4$Hg€6A>w S78'@i8!RAS@6
AQ,6Ag&>6WF'5$T6WF
'&D.
-'@i8A4$H@€48yV$'$%3&
8mMPM4fU>+(D$2Qn\X
28Meec5T]P^qf.-8MePeO&V8MePP8•
(zq54$x>'@i85&$
>)}?E.-(J:A$%5;M?78'
@i8!C=8.S8Meec(@A+782YD
m(=x85TLee4f38MePe6
kF@]5V'P6Oqf.47@'Z)4$x
88t+'@i8AA@&5>q55V5$%5c^P†
Pa`L†.
2.3 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?'Z82Qn\[X2RS8MeecU(@A
2Y+2Qn\[X28mTP6Lqf38MePe`Lc†
Meecm4O&V8MePP6(@A2YkaP†
8MePe.24C2Qn\[X2k7;?$&Zm
48>Hy7!8IT4$T565
SDF@24CV\S8
_      f  +  2Qn\[X  2    $%  =  (J  :
24CR _fMeecm8e6PP†4U(

+2Qn\[X28MePe3q55$%D@]5V5
'e6]]†.S$64ƒ4(J:24C*$$%@&4Z

))2Qn\[X2|$78>4~&Z4
45%+D.\36Zf=f4H8>4
;fA+D32Qn\[X2V7;?@&@
i8)@&4Z(J:24CD.
-5$%'@i8?'Z8@D@2Qn\[X2RS8Meec6
2Qn\[X24H^'@i8?'Z8A%@f8M'@i8>
78?'Z8!9L'@i8>78?'Z8! z]'
@i8?'Z8@D@D@>5@.-8MePe62Qn\[X
2 m4H8$%M'@i8?'Z8!&
OKMePP8$%P'@i8>78?'Z8!;.b•(z(
@A?'Z88*$5$%'@i8?'Z8
58@8$t<ZA1?>&'
@i8D580|$<Z&@1(&
V+&
2.4 Hạn chế của liên kết Ngân hàng – Bảo hiểm tại Ngân hàng thương
mại cổ phần Bảo Việ
S;R\U14Z1(J:5SD
s2'Z88$%ID()$$%@4K8<7.WT
>5$.SD84H6@J4$H
76&$$%3'$T6A+2Qn\[X
2.€J4$H@&4ZUJk?JA&85l.&
9(:(J:A+2Qn\[X2$Z!!&'@i8
‡8C./+4+2Qn\[X25.
SD+;RWTx(;5&+2Qn\[X
2~A.8+2Qn\[X244Z5SD
s2'Z8.\S88U1$T8(7)
4(ˆ4y4J4$HA\S8.

SDs2'Z85@D@8$H(D$Z;
A(@D@85.2Qn\[X2$$4$%T
5>5SDs2'Z8.

CHƯƠNG 3
PHƯƠNG HƯỚNG, GIẢI PHÁP TĂNG CƯNG LIÊN KẾT
GIỮA NGÂN HÀNG TMCP BẢO VIỆT VỚI CÔNG TY BẢO
HIỂM TRONG CUNG ỨNG DỊCH VỤ TÀI CHÍNH
3.1 Sự ảnh hưởng của tình hình kinh tế quốc tế và trong nước tới liên kết
Ngân hàng – Bảo hiểm
&$@&4ZD‰6>4$x@A?'Z8
D$APO6a†48MePe81Pe6`†+8Meec
()?&t4$xPe6L†48MePP.\)?>$
68!?J'$x•?5A6477
D?'Z8._7)5SDs2'Z8|?J'
$x($)&>+33.
J4$H?'Z8\S8@&4ZV.>
4$x8+J4$H?'Z8+\S8t'MM†
4=8MePP8MeP^.WA>@@E@&
D$8F'&_\SY\S8.\8MeP^6
&D$ID8@J4$H4$t4F!.
/D58>F!4F4+!5&15
D\S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
b:R@:C8<3'5v@46?'
'8>(5SDs2'Z8+
C8<3.4^82Qn\[X2t)8x
4>5&<?'Z85;<?'Z8$

k=)5SDs2'Z8.

/J$$H5R(:85$Š7&T
5%@5vZ@4i85SDs2'Z86&@1
V+&488!F$.Y$&$%&
5(@=}Z@&4Z8(J:5SDs2'
Z8.ND()5$%T%@5vZ)4$x88t!
(24C.Y%@&'T&<?'Z85TJ
@2'\Z&&5%+6•?5!'
&6'?&E'@i8.
3.3 Kế hoạch triển khai liên kết Ngân hàng – Bảo hiểm trong năm 2011
và định hướng đến năm 2015 của BAOVIET Bank
-'@i8&&DR2Qn\[X2t5@D@
A1&'@i8R?'Z8$D6?'Z8IC<<6?'Z81
}C6?'Z8$H6?'Z81}C$H814&8
6?'Z8>36?'Z814%$H8…A
(:6?'Z8(5J?'Z8(5J4$.g&4Z'@i8
?'Z8&89!8w?'Z8+…Qbw
?'Z8&C@:>(w?'
Z8($H$H( .2Qn\[X24Z
@D@'@i8?'Z8DQg&Y$,6Q-,&
(:&'@i8?'Z8&C8<3‹,
hV"
-'@i8(&(@RWZ(V=8<3
8<3@D@'@i84)@6?f8&'@i8R 2'
Z87RIFi6@i?'Z87Z>Jw
2'Z8&'6?f8R?'Z8&&4+4•?6?'Z8
&U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
U1&7!5SDs2'Z8&?>
2Qn\[X26fHV7>k>%@5vZ€;D
f&?>743>8.SD43>!<<
6V$T&<?'8(;5=&$@&4Z.
2Qn\[X2V7A&V$A&TxV
%@&+83.g&4Z(J:?&R/D5(J:
8ku881&4+47ZC85&.Y
4356DF5$%>Z846Z8&>?>.
3.4 Một số kiến nghị về liên kết Ngân hàng – Bảo hiểm
rWA@+V@'@:T5@&@A&Z
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<&8?f?>68<4$H(UJ658.
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724C62UJ!&1?&'@i8
?'Z8+24C6hJ:Z!5$%(@?'
Z888>D$%562UJT4'f
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1  m        5v  ?'  Z8      >  |  ?&    +  
24C.
r SYSSV@:88$WA@+4ID()
@&@5vm>5SDs2'Z8.SYSSV
$H&%@&&U1A6&D
4u8<!>5SDs
2'Z8.SYSS|VID()<?&A!'@i85
SDs2'Z8Z)F&DID()5$%
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()?&'JG!&53(J::Z67@@VD
F5$%!.
I

KẾT LUẬN
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SDs2'Z8.$4;V+)5|$
D&6+'$x)5;TJ(
A5.|kŒJ)V@'@&4Z)5
SDs2'Z8SD$T8U@V2'\4!
>@.
\;Z?!)D6?'Z8\
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AxSD$T8U@V2'\4Hw=74€4
Z88Z86T>&16D+&4Tx
5@&OKMePP.
W18:J$@&4Z(J:+2Qn\[X2
4H65!IF8>'@&@Ju8@&
;5%6(:&T>y@:;f64+44
5SDs2'Z8+D$T8U@V2'\.
~$4;J6!IFWA@+SYSS!
&?'@&@5vJ!)5SDs2'Z86
ID();i!F5$%<D?'Z8„
S;J$%$4887@@VID()SD
62'Z88;864;58?!;6
'67@@VDJJ4$HA\S84!>
@.
I
MỞ ĐẦU
1. TÍNH CẤP THIẾT CỦA ĐỀ TÀI
SPPrPrMee`6\S8A14x+U1
$T8•n 6&(F8>?$Z!F443
8x9>@+\S8.l)D7V8

4&•?443.8•nt7!U
!7>D74.-)445l
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!4J4$H\S8./Z7Zf@&4Z$%6&D
$T8+\S8@')&?&D
&4J4$H.SDs2'Z858>4;Z88
+D.-)5k@&4Z88>
$$3*4F88…J4$H\S8.
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\S8sZU<=W<S$W<WU@V6
>C8<3@2'Z8sA!.\;
5%7Š87$%5D84J4$H?'Z8|$
>V$+836SD$T8U@V2'\2Qn\[X
2 4H58>F8<3@A%@?'Z8
5I@&4Z.\SD$T8U@V2'\t
7!5%41&'@i8(J:A+83<
8>W<2'Z8.
\5)!“Liên kết giữa Ngân hàng thương mại cổ phần Bảo
Việt với các công ty bảo hiểm trong cung ứng dịch vụ tài chính„u8
1638T>@&4Z)5;<?'Z8D$T
87SD$T8U@V2'\744!
>@V.
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2. MỤC ĐÍCH NGHIÊN CỨU
S1;F!5v5T?'!5SDs2'Z8w
/&&)45;SD$T8U@V2'\
&<?'Z841(J:Aw
g$T$'@&@$H5;SD$T8
U@V2'\&<?'Z841(J:A.
3. ĐỐI TƯỢNG VÀ PHẠM VI NGHIÊN CỨU

/$%1Rb5;SD$T8U@V2'
\&<?'Z841(J:A.
g81R-)5;SD$T8U@V2'
\U<2'Z82'\U<2'\SD4
L8wJ$$H5+SD$T8U@V2'
\&<?'Z88MeP^.
4. PHƯƠNG PHÁP NGHIÊN CỨU
W&@$T@&@$%9(:Z1Rg$T@&@6@D
AU%@()4Tx@DA))4;'5
SDs2'Z8k$%SD$T8U@V2'\6
8>J!)5SDs2'YZ8\S8Z=?$
584ƒ&F!1.
5. KẾT CẤU LUẬN VĂN
7F$%58L$TR
r Chương 1: Một số vấn đề lý luận về liên kết Ngân hàng – Bảo hiểm
r 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
r 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
Y6)"#;>(?'Z8D
$%Z4ƒ4J4$H6!@?'Z87D
$T8$%56!D$T85@<?'
Z8./D5I$Z)04%z(@&4Z.\A(:

$R@W/ 7W<2'Z8@DW6W<
2'Z8DW6SDWw@gQ4h
7W<2'Z8DgQ6W<2'Z8@DgQ6
SDgQw@d?/ 7W<2'Z8D6
W<2'Z8@D6SD/2y6SDhWD‰w
@,4CXC4-@4C 7W<2'Z8D6W<2'
Z8@DSD,4CXC4„
SDs2'Z85DW<?'Z8%@
&Z@&4Z@D@8>&'&'@i8D
?'Z8<F@&'@i8z8>Tx&.
ŽD6V@D?D@D@&'@i8?'Z8&
(@?'Z8F@@D@&(J:A6D.
b>&U&6)57Z$%Z8>&'TF5
&D8F@&'@i8?'Z8&+83.
\8+D7Zx!F@>&zC31
5.
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1.1.2 Yêu cầu của liên kết Ngân hàng – Bảo hiểm
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Thứ tư65SDs2'Z8ty5!$T+D
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&<?'Z8<@6@&:!6„t
'$xFJD85v+&)A8+&
$T+D./!7ZDD85vC(‡+8>D
4$%@&&<?'Z8.\58><?'Z8
}6<7$4J4$H3fl<7$%5~
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5SDs2'Z8.S$%568>D$T8E8)
44J4$H6$$%$T483338
8><?'Z85Z55!77ZI'4.
^
 Thứ năm68>D$T8<?'Z885
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4$%;'@i8m67A'6D'
4D<?'Z8.=76)5SDs2'Z8
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!@A.
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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r?'Z847V+A&.
S$65SDs2'Z8Cl‚@6758>(%@
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5x8~)y•t!8•5$%.
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Thứ nhất6Dv}@D@'@i8<?'
Z86C76D74~5$H(<?'Z8?&
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<?'Z88x4>J4$H+83@VJ4$H+D
w!@AD6;'5%<}$%4
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;(J:8@z%@TV+&.
S$%56<F@(J:D&+
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?'Z8&@1TV+&V5@&&.
Hình 1.1: Một số sản phẩm của ngân hàng và công ty bảo hiểm
Nguồn: />Thứ hai6F@>%@&4?38?Z5D<?'

Z8y8;U@V+.GC8:A(8&D
<?'Z87Zy8;U@V<@6U@V@•
?>U@V+./D5&18&D<?'Z8
4$H(z?x3?@&@7Z&>4)@
5$%(+<?'Z8•D.C765%A+&?
y8;U@V$%).
YT;6D<?'Z87@5@8><?'
Z88•8>D8./!7(*)3@&4Z&
'@i88•A@4>;SDr2'Z8.
Thứ ba6F@>%@&8?Z?5D
5@8><?'Z8$%5<?'Z85@8>D
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8./!m7Z)$%D•<?'Z84x
@ArDr?'Z8.6k4x
@6D•&<?'Z8<m(=5x
%@&;SDs2'Z8688x4>7';
&+5l)(J:ArDr?'Z8.768<@&
4Z+%@&4x7()&T.
Hình 1.2: Các cấp độ liên kết trong liên kết Ngân hàng – Bảo hiểm
Nguồn: />mo-hinh-phan-phoi-bao-hiem-tai-khu-vuc-chau-a-thai-binh-duong.html
1.2.2 Sản phẩm của sự liên kết Ngân hàng – Bảo hiểm (Bancassurance)
CI$46D?'Z8
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(J:CI$)&9(:(J:.
<u8I$46>24C\S8k4H
&(F?u&D)8k&'@i8?'Z8
@D&.
W&'@i8+24C7Z$%@DeL5A
-'@i8A& -'@i8+&9! -'
@i847Ci'T.

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&'•A(:&&D7544$H%@$H
a
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