Thị trường bảo hiểm phi nhân thọ Việt Nam - hậu WTO

~^ 10(63) - 2008 ) TAI CHINH VI MO

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TIfl TRUOfNG BAO HIEM

PHI NHAN THO VIET NAM - HAU WTO

Tran Hting Dung (*)

Thi trudng bao hiem Id thi trudng dich vu cda nen kinh te, do vgy su phdt trien cua thi

trudng bao hiem noi chung vd thi trudng bdo hiem phi nhan thg ndi rieng khong the tdch

rdi suphdt trien chung cda todn bp nin kinh ti. Khi trd thdnh thdnh vien WTO, Viet Nam

phdi thuc Men nhimg cam kit chung vd nhirng cam kit riing trong linh vuc tdi chinh, bao hiim,

Cuthi:

- Doanh nghiep bao hiem tai

nudc ngoai dugc phep cung

cap vio Viet Nam cac djch vu

bao hiem cho doanh nghiep

bao hiem cd vdn nudc ngoai

va ngudi nudc ngoai tai Viet

Nam. Ngoai ra hg cdn dugc

cung cap djch vu tii bao hiem,

van tai qude te, mdi gidi bao

hiem, tu van, tinh toin, danh

gia riii ro va giai quyet bdi

thudng cho thj trudng bao

hiem Viet Nam.

- Bai bd qui dinh ban che

pham vi kinh doanh cua cac

doanh nghiep bao hiem 100%

vdn nudc ngoai tu ngay

01/01/2008.

Dilu dang lo ngai nhat

chinh la viec cic doanh

nghiep bao hiem tai nudc

ngoii khdng can thanh lap

doanh nghiep bao hiem tai

Viet Nam cung ed thl vuon

canh tay cua minh vao khai

thac thj trudng bao hilm Viet

Nam theo cam kit WTO ndi

tren. Day thuc sir la mdi lo ddi

vdi eic doanh nghiep bao

hilm phi nhan thg Viet Nam

C) Tip doin dau l<hl Viet Nam

bdi vdi ning luc ve tii chinh,

trinh do quan ly, chuyen mdn

va kinh nghiem, pham vi boat

ddng rgng cic doanh nghiep

bao hiem nudc ngoai se cd day

du cic uu the de canh tranh va

lan ludt cac doanh nghiep bao

hiem trong nude.

Mac dti vay, sir phit trien

cua thj trudng bio hiem Viet

nam ndi chung vi bao hiem

phi nhan thg Viet Nam noi

rieng sau mgt nim gia nhap

WTO da cd sir chuyen bien

tich cue. Ca cac co quan quin

ly va cic doanh nghiep bao

hilm da va dang cd nhiing

dgng thii tich cue thich nghi

vdi dilu kien mdi, chap nhan

canh tranh vi hgi nhap.

v l phia cic co quan quin

ly, ehl do Quan ly Nha nudc

vl boat dgng kinh doanh bao

hilm dugc hoan thien ban de

cung cd va phit trien thj

trudng bao hiem. Viec ban

hanh ND 45/2007/ND-CP

ngay 27/3/2007 , ND

46/2007/ND-CP ngay

27/3/2007, cac Thdng tu

155/TT-BTC, Thdng tu

156/TT-BTC hudng ddn Nghj

dinh tren the hien sir nim bat

nhu cau phat trien cua thj trudng

bao hiem Viet Nam. Day ciing

la mgt bien phap tao ra mdi

trudng phap ly de cung co thj

trudng bao hiem dang phat trien

ndng nhung cting tiem an

nhiing khd khin thich thtrc

ddng thdi tao co sd phip ly

thuan lgi hon cho cic DNBH va

thj trudng bio hiem phit trien.

Cac vin ban phap quy noi tren

dieu chinh theo hudng dua ra

nhtrng chuan muc tien tien

mang tinh quoc te ve quan ly

boat ddng kinh doanh bao hiem,

cdng khai minh bach che do

quan ly, ting tinh chu dgng tu

chju trich nhiem cua DNBH,

dam bao lgi ich chinh ding cua

ngudi tham gia bao hiem.

Ve phia cic doanh nghiep

bao hiem, cd the khing djnh

rang cic doanh nghiep bio hiem

Viet Nam da san sing cho qui

trinh hgi nhap bang nhirng ddng

thai tich cue:

Tang cudng cung cd uy tin va

nang cao ning lire tai chinh: Cac

doanh nghiep bao hiem Viet

Nam cd nhiing dgng thii tich

cue trong viec tim kiem doi tic

ddu tu vi nang cao nang lire tii

chinh cua minh phue vu cho qui

Tap chf nghien cdu Tdi chfnh ke todn <(A3