Các nhân tố ảnh hưởng đến doanh thu phí của Doanh nghiệp bảo hiểm phi nhân thọ

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YD•Œ6,cj:!)hD'
 ~ ~
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‡rˆ!•+!‰
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rYW•;'12+!m%k/!h!'
Ž• Œ 3Pb*}
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c"#=G;19$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$^gG,?$$
V!23w6,cD'‡uu^•?yyl‰$$$$$$$$$$$$$$$$$$l^
G,?$?$#=G;19be23w6,c
D'‘?yyl$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$g
G,?$d$=!1h6,c(’'/be%&'1(A"
*!‡?yy~•?yy^‰$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$uy
G,?$f$P7!(&:!3"#=G;19kD'ˆ
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G,?$~$=!1h6,c"e%&=G;19‡?yyd•
?yyl‰$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$uf
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 ^ ^
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G,?$g$%ijA%&omh-1j.1…'1(A
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e%&=G;19?yyd•?yyl$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$y
G,?$y$1h6#(1h+!,“j'1"db
!ed %k/!)#!$$$$$$$$$$$$$$$$$$$$$yd
G,?$$!z(&:!3"e%&=G;19‡?yyd•
?yyl‰$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$yf
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G,?$d$5!-!:(5!-:!3h"e%&
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G,?$f$;'!+!,6z3w(,om6,c"e%&
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G,?$~$;'!+!,:!3h"e%&j'16,c
19‡?yyd•?yyl‰$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$
G,?$^$;'!+!,%ijA1h.o*1be)j
6,c‡?yyd•?yyl‰$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$f
G,?$l$;'!+!,%ijA1h6#(1h+!,“j
'16,c‡?yyd•?yyf‰$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$~
G,?$g$;'!+!,%ijA1hxˆ5!-!:)j6,
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;?$?$P7!j!1h6,c&23wˆ'1
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3Pb*}b3)#'•§6,ceP*0ˆ
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7,/3w356,c§©llª$
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c#)hb(m"0%.!c"/3w356,
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b•0)#'(m6,c•c35c!3%!•G,ce
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+!m353k6z3w–35,om6,c*!"
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 ~ ~
3w 6$_,om6z3w–,jeŒ 
,-0Œ •#'3}"%.)'6,c(
6<4šˆ+!!-&)§$
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6,c033w356,c…%&*ewc•
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+!51z6,c$ˆP*06!6,c71
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b6,c=W$
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(%&'!&)"(¦Œ7$w•0=G;-135#
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+!&$
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• wbG;3wj0&c!‘‘$‚!71#4x7)*
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cbje:!3"#j'16,c91#!#
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1bˆo! ›(.be)j•“›7
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1™6,c19,6$zw0•…P%k
c#=G;19#2šAo!(j.35
*35)j"$…&(}P+!+!,“3}
(mG;0#1bP%kcb2h%#0)c0
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='16,c19j'135
-10Œ (beˆ+!2"!-_jG,c(
#+!2)#"1#1!-•+!*6ebe)
j"j'1$!-1#1#3}3w+!2=G;
)351ž1zw)jG;(6,c19$
N3}0_,?m!^y03P"!-_jG,c
>+!23(-0Ac•§='16,c)35
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51=G;9)j'1(A6,c% )Ÿ(6,
cb3w6Œ5G;§©^uª$h(*0=G;1
935c!=G;)j#'1(A6,c1
9ˆ!-1#1+!2$=G;193w6z#
 Œ )#!3•
-=G;193}$bj'1j
3}-10:!3(&(+!,“(}3#3w"%k/!$
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• Œ •b=G;197jb0!8!e(
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m!)'h( eh(}23w$$$.*k3}
>3#3}*}3w•#Œ 3•
Œ0-1 Œ ˆ ‘0ˆƒŒ0
ˆ%,1™$$$!8ˆ4Œ 0#=G;19
#6e1- ‘•+!‡1…06‰$W0•
=G;193w•#6e1- ‘3•6e1-Œ 
%.0#1…'1(Aˆ#•%,1™$$$
• G;•!(6,c19•m)
j•m!)'$#m!)'!-1#1+!2c#=G;.
'7–”$®b0m!)'(m(&1#121,"}c•
c,6,),‘#j'1(m!)'c
j'11#c)j$;m!)'1,)“+!¢c,6,
 ? ?
=G;#6z3w¦!&7!7•c,$
Gb•0#=G;19…1,-1+!¢j./0••
+!¢j./6Š6!ec,6,),‘#om6z3w(6Œ
%!(&m!'$V!¢j./6Š6!e35h-145!-%!!*

j'1!35‘$b+!¢…‘),‘
hj'1(o!h##om‘h"
j'1$$$
$$d$/beP6,"=G;19$
$$d$$;be)j6,c(#6,c$
_j6,cbe"=G;œAh%
w0ˆ•=G;71-""66,c0P%k
6•1h6,cc=G;,om6,c–6z
3w6)•"–%.)'6,c,(}
&35356,c$&356,c6,c1
9%,0=W&(}6 6xb(¦b% 
)Ÿ"3w$;be_=G;beP6,7"=G;
19(•e+!#4)!*)*%,1™021h
6,c*#be6#$$$#=G;19
3w*)*%,1™"ˆ#•'1(A6,c0
3•#'1(A6,c3w06,cˆP}06,c
#Œ06,c)¢!-0±•'1(A•c*)*m!
%,1™<ˆ!:!"23w$
Gbbe)j6,c0#=G;19
…:1,o*be)j#6,c$c6,,
‘j!(5!-0,6,Œ2()
jbe)j#6,ck1,35o*
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e)j-#6,cc‘j!(5!-
j'10zw…š1j'1kebe)
j(3!051#(}#6b$…be35#
6,cc,6,Œ2()j$w•
be35#6,c0=G;}o*1#35
"c#1#%,$Wkj›=G;1,35#6,c(/

“j"*!%!•
• &356,c•#2+!#}),‘h"
=G;b•b 
• &356,cbek26+!#()!-50)
•),‘)c%#(+!,“""=G;b7b*()
1ž1 
• =/Œ7},AewŠ+!*
'1(A-6,c&$$$
•c•0be35#6,c7:*()
c*!35&(}•=G;19$;be(h3
§3P%&§be)j"•=G;07
/=G;}-1(),‘h*!)ž3#=G;
D''$
$$d$?$;bem1…0b*"(Œ7$
m1…(b*"Œ7e/ej!
7+!9be)j6,c$&#
)nš1=G;,6z3wc'!+!,)
j0…bmo&(})#6,c0
 ?d ?d
4••11:,6,%ƒe$•'1(A6,c0=G;
3w#1jA#6'1#1)#!cm1…b*Œ7$
#m1…b*"(Œ73w35#=G;1
9.'ˆ#6'1#1%!•
• -113P#Ac('m1…b*Œ7$
• !!m+!,#(Œ e2)#c9735“
›(#jA"bem1…b*Œ7$DhjA0=G;
 Œ e#ˆ«0#ˆ !!m(5
9%0%(9-1!-$$$
• _c(#%#(m–)¢!-&(}#&356,c1 
b103•#j.0#60!6c$($($$$

• omcj.#3w#b0#6c6#!c
#¬j&–#cˆ(mb#!*
+!&e$
• Y&51(}.35,%#('i“(1b-.
$$$
$$d$d$;be#2(6z3wŒ7$
•c•0#2)!!•(…*% +!
9be)j6,c0•P%kc=G;o*
6z3w$D'6z3w•35o*•0h
#(51“)"*!1A!e(##2$e
j!##23w6z#beh%!•
• 2%#'3wP,"0Œ7c¦c!!c4
•#2#'"=G;$
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• Y&51(}#6•+!-166,#2$$$
• ‚#2 e'b.*( e•"3w 6‡*!•‰
+!*&356,c$
• h#%&om1,6z3w.*$
=G;…•cb“#2#=G;)#c!1h
#2(35b$
‘ (66,#2(#'!)#•+!0
=G;o*6z3w.o*1)#6,c$
6,c190!-/6z3w35%ijA
b6,c'b0…!-/,om6,c"*!%i
jA#'1(A6,c3w19$W&om6z
3w,35x#P%k'b.*(%&om
6,c#26,c$W&om%”š1)#
•)Š1A-!+!,"cŒ2!e%&(%,!7)
j$Gk(-0be#2(6z3we/
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!x=G;(4•š1=G;.'b(ke
23w$$$
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=–<"be_=G;1h6,c35!3}
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6!e0+!¢j./.!'0#),ƒ3%ijA0#+!¢
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1…'1(A$3w!z(&:!34j.1…'1(A
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e:!335+!,“(#%#–”$
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Œ5h/=G;(3w356,c3>1,2!%.
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356,c$
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m1…b*Œ7 be#2(6z3w b
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j.#13P#+!,“")# Œ #be
j2(A)#•+!($($$$$
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