{"id":14031,"date":"2025-06-11T13:10:00","date_gmt":"2025-06-11T06:10:00","guid":{"rendered":"https:\/\/luckydoor.vn\/fts-demo\/?post_type=article&p=14031"},"modified":"2025-11-27T13:15:03","modified_gmt":"2025-11-27T06:15:03","slug":"bao-hiem-chay-no-mo-rong-du-dia","status":"publish","type":"article","link":"https:\/\/fts.com.vn\/en\/article\/bao-hiem-chay-no-mo-rong-du-dia\/","title":{"rendered":"B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 m\u1edf r\u1ed9ng d\u01b0 \u0111\u1ecba"},"content":{"rendered":"\n

T\u1eebng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 khi lo\u1ea1i h\u00ecnh n\u00e0y l\u00e0 b\u1eaft bu\u1ed9c, nh\u01b0ng k\u1ef3 v\u1ecdng ch\u01b0a th\u00e0nh hi\u1ec7n th\u1ef1c.<\/p>\n\n\n\n

\"\"
B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 \u0111\u1ee9ng tr\u01b0\u1edbc c\u01a1 h\u1ed9i l\u1edbn \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng doanh thu<\/em>
<\/figcaption><\/figure>\n\n\n\n

Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 105\/2025\/N\u0110-CP quy \u0111\u1ecbnh chi ti\u1ebft m\u1ed9t s\u1ed1 \u0111i\u1ec1u v\u00e0 bi\u1ec7n ph\u00e1p thi h\u00e0nh Lu\u1eadt Ph\u00f2ng ch\u00e1y, ch\u1eefa ch\u00e1y v\u00e0 c\u1ee9u n\u1ea1n, c\u1ee9u h\u1ed9 v\u1edbi nh\u1eefng quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n h\u1ee9a h\u1eb9n gi\u00fap doanh thu m\u1ea3ng b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 th\u1ef1c s\u1ef1 b\u1eaft \u0111\u01b0\u1ee3c \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng.<\/p>\n\n\n\n

\u0110\u1ea7u ti\u00ean, vi\u1ec7c m\u1edf r\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1eaft bu\u1ed9c tham gia b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 t\u1eeb m\u1ed9t s\u1ed1 \u00edt c\u01a1 s\u1edf c\u00f3 nguy c\u01a1 cao nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y l\u00ean \u0111\u1ebfn 44 lo\u1ea1i h\u00ecnh, bao g\u1ed3m c\u1ea3 c\u00e1c khu d\u00e2n c\u01b0, tr\u01b0\u1eddng h\u1ecdc, b\u1ec7nh vi\u1ec7n, c\u01a1 s\u1edf th\u1ec3 thao, v\u0103n h\u00f3a v\u00e0 gi\u1ea3i tr\u00ed, \u0111\u00e3 t\u1ea1o ra m\u1ed9t ngu\u1ed3n c\u1ea7u ti\u1ec1m n\u0103ng kh\u1ed5ng l\u1ed3.<\/p>\n\n\n\n

B\u00ean c\u1ea1nh \u0111\u00f3, \u00fd th\u1ee9c tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt \u0111\u01b0\u1ee3c n\u00e2ng cao th\u00f4ng qua c\u00e1c ch\u1ebf t\u00e0i r\u00f5 r\u00e0ng s\u1ebd th\u00fac \u0111\u1ea9y vi\u1ec7c mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 m\u1ed9t c\u00e1ch nghi\u00eam t\u00fac. C\u00e1c doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c s\u1ebd nh\u1eadn th\u1ee9c s\u00e2u s\u1eafc h\u01a1n v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c san s\u1ebb r\u1ee7i ro t\u00e0i ch\u00ednh, b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n v\u00e0 gi\u1ea3m thi\u1ec3u thi\u1ec7t h\u1ea1i khi c\u00f3 s\u1ef1 c\u1ed1 ch\u00e1y n\u1ed5.<\/p>\n\n\n\n

\u0110\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u0111a d\u1ea1ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c cho l\u00e0 s\u1ebd ph\u00e1t tri\u1ec3n nhi\u1ec1u g\u00f3i s\u1ea3n ph\u1ea9m linh ho\u1ea1t, ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1eb7c th\u00f9 v\u00e0 quy m\u00f4 c\u1ee7a t\u1eebng lo\u1ea1i h\u00ecnh c\u01a1 s\u1edf. S\u1ef1 c\u1ea1nh tranh l\u00e0nh m\u1ea1nh c\u0169ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, thu h\u00fat th\u00eam kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n

 S\u1ed1 li\u1ec7u c\u1eadp nh\u1eadt t\u1eeb Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam cho bi\u1ebft, 3 th\u00e1ng \u0111\u1ea7u n\u0103m 2025, doanh thu nghi\u1ec7p v\u1ee5 b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt \u0111\u1ea1t 5.679 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm t\u1ef7 tr\u1ecdng 26,1% trong t\u1ed5ng doanh thu v\u00e0 gi\u1ea3m 3,4% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc; b\u1ed3i th\u01b0\u1eddng \u0111\u1ea1t 1.419 t\u1ef7 \u0111\u1ed3ng, t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng 25%. Trong \u0111\u00f3, doanh thu b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c \u0111\u1ea1t 2.764 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm t\u1ef7 tr\u1ecdng 12,7% v\u00e0 t\u0103ng 61,7% so v\u1edbi c\u00f9ng k\u1ef3; b\u1ed3i th\u01b0\u1eddng \u0111\u1ea1t 487 t\u1ef7 \u0111\u1ed3ng, t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng 17,6%. Doanh thu b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 t\u1ef1 nguy\u1ec7n \u0111\u1ea1t 1.774 t\u1ef7 \u0111\u1ed3ng, chi\u1ebfm t\u1ef7 tr\u1ecdng 8,1% v\u00e0 gi\u1ea3m 39,7% so v\u1edbi c\u00f9ng k\u1ef3; b\u1ed3i th\u01b0\u1eddng \u0111\u1ea1t 737 t\u1ef7 \u0111\u1ed3ng, t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng 41,6%.<\/p>\n\n\n\n

Vi\u1ec7c doanh thu b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c t\u0103ng v\u1ecdt, trong khi doanh thu t\u1eeb b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n s\u1ee5t gi\u1ea3m m\u1ea1nh cho th\u1ea5y, c\u00e1c c\u01a1 s\u1edf kinh doanh \u0111ang ch\u1ee7 \u0111\u1ed9ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh m\u1edbi, \u0111\u1ed3ng th\u1eddi m\u1edf ra c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn m\u1ed9t l\u01b0\u1ee3ng l\u1edbn kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc \u0111\u00e2y ch\u01b0a t\u1eebng tham gia ho\u1eb7c ch\u1ec9 tham gia h\u1ea1n ch\u1ebf.<\/p>\n\n\n\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, Ngh\u1ecb \u0111\u1ecbnh 105\/2025 c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng \u0111\u1ed1i v\u1edbi vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 \u0111\u1ecbnh ph\u00ed b\u1ea3o hi\u1ec3m cho c\u00e1c c\u01a1 s\u1edf thu\u1ed9c nh\u00f3m r\u1ee7i ro cao nh\u01b0 Cat3 v\u00e0 Cat4.<\/p>\n\n\n\n

 Trao \u0111\u1ed5i v\u1edbi B\u00e1o \u0110\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n, \u0111\u1ea1i di\u1ec7n m\u1ed9t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00ecn nh\u1eadn, d\u01b0 \u0111\u1ecba khai th\u00e1c c\u1ee7a b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 l\u00e0 r\u1ea5t l\u1edbn khi c\u00e1c danh s\u00e1ch c\u01a1 s\u1edf b\u1eaft bu\u1ed9c ph\u1ea3i mua b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng. Th\u1eadm ch\u00ed, ngo\u00e0i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 th\u00f4ng th\u01b0\u1eddng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f2n c\u00f3 th\u00eam c\u01a1 h\u1ed9i ch\u00e0o b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c nh\u01b0 \u1edf tr\u01b0\u1eddng h\u1ecdc th\u00ec b\u00e1n b\u1ea3o hi\u1ec3m h\u1ecdc sinh sinh vi\u00ean\u2026<\/p>\n\n\n\n

Doanh thu s\u1ea3n ph\u1ea9m n\u00e0y s\u1ebd t\u0103ng l\u00ean nh\u1edd t\u00e1c \u0111\u1ed9ng c\u1ee7a ngh\u1ecb \u0111\u1ecbnh m\u1edbi, nh\u01b0ng \u0111\u1ec3 th\u1ef1c s\u1ef1 b\u00f9ng n\u1ed5 th\u00ec c\u1ea7n nhi\u1ec1u th\u1eddi gian. B\u1edfi y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t l\u00e0 nh\u1eadn th\u1ee9c c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u1ec1 vai tr\u00f2 c\u1ee7a s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m n\u00e0y ch\u01b0a th\u1ef1c s\u1ef1 cao. Ngo\u00e0i ra, kh\u00f4ng d\u1ec5 tri\u1ec3n khai b\u1ed3i th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi nh\u1eefng v\u1ee5 vi\u1ec7c ch\u00e1y n\u1ed5 do nh\u1eefng kh\u00f3 kh\u0103n li\u00ean quan \u0111\u1ebfn gi\u00e1m \u0111\u1ecbnh b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i.<\/p>\n\n\n\n

Th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 c\u00f3 th\u1ec3 mang l\u1ea1i doanh thu h\u1ea5p d\u1eabn, song c\u0169ng \u0111\u1eb7t ra kh\u00f4ng \u00edt th\u00e1ch th\u1ee9c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc h\u1ebft, \u0111\u00f3 l\u00e0 n\u0103ng l\u1ef1c th\u1ea9m \u0111\u1ecbnh r\u1ee7i ro v\u00e0 x\u1eed l\u00fd b\u1ed3i th\u01b0\u1eddng. V\u1edbi s\u1ed1 l\u01b0\u1ee3ng h\u1ee3p \u0111\u1ed3ng t\u0103ng \u0111\u1ed9t bi\u1ebfn, \u0111\u1eb7c bi\u1ec7t t\u1eeb c\u00e1c c\u01a1 s\u1edf Cat3 v\u00e0 Cat4 c\u00f3 c\u1ea5u tr\u00fac r\u1ee7i ro ph\u1ee9c t\u1ea1p, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i t\u0103ng c\u01b0\u1eddng \u0111\u1ed9i ng\u0169 chuy\u00ean gia, c\u1ea3i ti\u1ebfn quy tr\u00ecnh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c th\u1ea9m \u0111\u1ecbnh ch\u00ednh x\u00e1c, \u0111\u01b0a ra m\u1ee9c ph\u00ed ph\u00f9 h\u1ee3p v\u00e0 gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng nhanh ch\u00f3ng, minh b\u1ea1ch.<\/p>\n\n\n\n

 B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c qu\u1ea3n l\u00fd danh m\u1ee5c r\u1ee7i ro (portfolio management) c\u0169ng tr\u1edf n\u00ean t\u1ed1i quan tr\u1ecdng. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n c\u00f3 chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n b\u1ed5 r\u1ee7i ro h\u1ee3p l\u00fd, tr\u00e1nh t\u1eadp trung qu\u00e1 nhi\u1ec1u r\u1ee7i ro Cat4 v\u00e0o m\u1ed9t khu v\u1ef1c \u0111\u1ecba l\u00fd ho\u1eb7c m\u1ed9t lo\u1ea1i h\u00ecnh c\u01a1 s\u1edf nh\u1ea5t \u0111\u1ecbnh, \u0111\u1ed3ng th\u1eddi t\u00ednh \u0111\u1ebfn c\u00e1c gi\u1ea3i ph\u00e1p t\u00e1i b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh.<\/p>\n\n\n\n

Ngu\u1ed3n: https:\/\/www.tinnhanhchungkhoan.vn\/bao-hiem-chay-no-mo-rong-du-dia-post370868.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

T\u1eebng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 khi lo\u1ea1i h\u00ecnh n\u00e0y l\u00e0 b\u1eaft bu\u1ed9c, nh\u01b0ng k\u1ef3 v\u1ecdng ch\u01b0a th\u00e0nh hi\u1ec7n th\u1ef1c. Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 105\/2025\/N\u0110-CP quy \u0111\u1ecbnh chi ti\u1ebft m\u1ed9t s\u1ed1 \u0111i\u1ec1u v\u00e0 bi\u1ec7n ph\u00e1p thi h\u00e0nh Lu\u1eadt Ph\u00f2ng ch\u00e1y, ch\u1eefa ch\u00e1y v\u00e0 c\u1ee9u n\u1ea1n, c\u1ee9u h\u1ed9 v\u1edbi nh\u1eefng […]<\/p>\n","protected":false},"featured_media":14033,"template":"","article_category":[14],"class_list":["post-14031","article","type-article","status-publish","has-post-thumbnail","hentry","article_category-bao-hiem-phi-nhan-tho"],"_links":{"self":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article\/14031","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article"}],"about":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/types\/article"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media\/14033"}],"wp:attachment":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media?parent=14031"}],"wp:term":[{"taxonomy":"article_category","embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article_category?post=14031"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}