{"id":14064,"date":"2024-12-27T13:53:00","date_gmt":"2024-12-27T06:53:00","guid":{"rendered":"https:\/\/luckydoor.vn\/fts-demo\/?post_type=article&p=14064"},"modified":"2025-11-27T13:56:44","modified_gmt":"2025-11-27T06:56:44","slug":"day-manh-ung-dung-cong-nghe-thong-tin-trong-hoat-dong-kinh-doanh-bao-hiem","status":"publish","type":"article","link":"https:\/\/fts.com.vn\/en\/article\/day-manh-ung-dung-cong-nghe-thong-tin-trong-hoat-dong-kinh-doanh-bao-hiem\/","title":{"rendered":"\u0110\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m"},"content":{"rendered":"\n

\u0110\u1ec3 hi\u1ec7n th\u1ef1c h\u00f3a c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ec1 ra trong Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2030, m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p quan tr\u1ecdng trong th\u1eddi gian t\u1edbi l\u00e0 \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m.<\/em><\/p>\n\n\n\n

\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 gi\u00fap n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng<\/strong><\/p>\n\n\n\n

Th\u1ef1c t\u1ebf cho th\u1ea5y, vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin v\u00e0o ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m c\u00f3 \u00fd ngh\u0129a v\u00f4 c\u00f9ng quan tr\u1ecdng tr\u1ecdng vi\u1ec7c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, \u0111\u1ecbnh ph\u00ed b\u1ea3o hi\u1ec3m, qu\u1ea3n l\u00fd b\u1ed3i th\u01b0\u1eddng, qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p, qu\u1ea3n l\u00fd th\u00f4ng tin kh\u00e1ch h\u00e0ng\u2026<\/p>\n\n\n\n

Theo c\u00e1c chuy\u00ean gia b\u1ea3o hi\u1ec3m, vi\u1ec7c \u1ee9ng d\u1ee5ng Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m \u0111\u00e3 mang l\u1ea1i l\u1ee3i \u00edch \u0111\u00e1ng k\u1ec3 khi gi\u00fap doanh nghi\u1ec7p m\u1edf r\u1ed9ng t\u1eadp kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng, gi\u1ea3m \u0111\u00e1ng k\u1ec3 th\u1eddi gian nghi\u00ean c\u1ee9u s\u1ea3n ph\u1ea9m m\u1edbi, gi\u1ea3m chi ph\u00ed nh\u00e2n s\u1ef1, c\u1ea3i thi\u1ec7n t\u1ed1c \u0111\u1ed9 gi\u1ea3i quy\u1ebft c\u00e1c y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. H\u01a1n n\u1eefa, khi s\u1eed d\u1ee5ng AI s\u1ebd t\u0103ng c\u01b0\u1eddng \u0111\u1ed9 ch\u00ednh x\u00e1c v\u00e0 minh b\u1ea1ch trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd, gi\u1ea3m thi\u1ec3u r\u1ee7i ro gian l\u1eadn v\u00e0 sai s\u00f3t. Nh\u1edd \u0111\u00f3, doanh nghi\u1ec7p c\u00f3 th\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 ch\u1ea5t l\u01b0\u1ee3ng cao h\u01a1n v\u00e0 x\u00e2y d\u1ef1ng ni\u1ec1m tin v\u1eefng ch\u1eafc v\u1edbi kh\u00e1ch h\u00e0ng. <\/p>\n\n\n\n

Hay nh\u01b0 s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng NC\/LC cho ph\u00e9p c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m khai th\u00e1c c\u00e1c l\u1ee3i \u00edch c\u1ee7a \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y (cloud computing) v\u00e0 microservice d\u1ec5 d\u00e0ng h\u01a1n, cho ph\u00e9p c\u00e1c doanh nghi\u1ec7p n\u00e0y nhanh ch\u00f3ng m\u1edf r\u1ed9ng quy m\u00f4 v\u00e0 tung ra c\u00e1c d\u1ecbch v\u1ee5 s\u1ea3n ph\u1ea9m m\u1edbi. Theo c\u00e1c chuy\u00ean gia, \u0111i\u1ec1u n\u00e0y c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c g\u00f3p ph\u1ea7n gi\u00fap th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, minh b\u1ea1ch h\u01a1n trong t\u01b0\u01a1ng lai g\u1ea7n.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

S\u1ed1 li\u1ec7u kh\u1ea3o s\u00e1t cho th\u1ea5y, n\u0103m 2024, c\u00f3 kho\u1ea3ng 95,5% doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n t\u0103ng c\u01b0\u1eddng \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 s\u1ed1, trong \u0111\u00f3, c\u00f3 \u0111\u1ebfn 68,2% doanh nghi\u1ec7p t\u0103ng cao \u0111\u00e1ng k\u1ec3 m\u1ee9c \u0111\u1ed9 \u0111\u1ea7u t\u01b0 v\u00e0o chuy\u1ec3n \u0111\u1ed5i s\u1ed1. C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 chung \u0111\u00e1nh gi\u00e1 v\u1ec1 ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n th\u00f4ng qua kh\u1ea3 n\u0103ng khai th\u00e1c c\u00e1c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u1ea5t nh\u01b0 AI, m\u00e1y h\u1ecdc, Blockchain\u2026<\/p>\n\n\n\n

Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2030 \u0111\u01b0\u1ee3c ban h\u00e0nh theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 07\/Q\u0110-TTg c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u1eb7t ra m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3: Doanh thu ng\u00e0nh B\u1ea3o hi\u1ec3m t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n giai \u0111o\u1ea1n 2021 \u2013 2025 l\u00e0 15%\/n\u0103m, \u0111\u1ebfn n\u0103m 2025, quy m\u00f4 \u0111\u1ea1t 3% \u2013 3,3% GDP; t\u0103ng tr\u01b0\u1edfng b\u00ecnh qu\u00e2n giai \u0111o\u1ea1n 2026 \u2013 2030 l\u00e0 10%\/n\u0103m, \u0111\u1ebfn n\u0103m 2030 quy m\u00f4 \u0111\u1ea1t 3,3% \u2013 3,5% GDP. T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng doanh thu cung c\u1ea5p s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m tr\u00ean m\u00f4i tr\u01b0\u1eddng m\u1ea1ng \u0111\u1ea1t b\u00ecnh qu\u00e2n 10%\/n\u0103m trong giai \u0111o\u1ea1n 2023 \u2013 2030\u2026<\/p>\n\n\n\n

\u0110\u1ed3ng th\u1eddi, Chi\u1ebfn l\u01b0\u1ee3c c\u0169ng \u0111\u1ec1 ra m\u1ed9t trong nh\u1eefng m\u1ee5c ti\u00eau t\u1ed5ng qu\u00e1t l\u00e0 \u0111\u1ea9y m\u1ea1nh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 nh\u1eb1m t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n thu\u1eadn ti\u1ec7n nh\u1ea5t trong vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m. Khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, \u0111a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, chuy\u00ean nghi\u1ec7p h\u00f3a c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1 nh\u00e2n. N\u00e2ng cao qu\u1ea3n tr\u1ecb r\u1ee7i ro, an to\u00e0n, an ninh m\u1ea1ng v\u00e0 giao d\u1ecbch tr\u00ean kh\u00f4ng gian m\u1ea1ng.<\/p>\n\n\n\n

\u0110i\u1ec1u n\u00e0y cho th\u1ea5y s\u1ef1 \u01b0u ti\u00ean c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd d\u00e0nh cho vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, qua \u0111\u00f3 gi\u00fap th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, minh b\u1ea1ch, g\u00f3p ph\u1ea7n hi\u1ec7n th\u1ef1c h\u00f3a c\u00e1c m\u1ee5c ti\u00eau \u0111\u1eb7t ra \u0111\u1ebfn n\u0103m 2030.<\/p>\n\n\n\n

\u0110\u1ed3ng b\u1ed9 c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau<\/strong><\/p>\n\n\n\n

C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh) cho bi\u1ebft, trong nhi\u1ec1u n\u0103m qua, nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c vai tr\u00f2 h\u1ebft s\u1ee9c quan tr\u1ecdng c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u1ed1i v\u1edbi ng\u00e0nh B\u1ea3o hi\u1ec3m, c\u01a1 quan qu\u1ea3n l\u00fd lu\u00f4n khuy\u1ebfn kh\u00edch c\u00e1c doanh nghi\u1ec7p \u0111\u1ea9y m\u1ea1nh \u0111\u1ea7u t\u01b0, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng kinh doanh. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng m\u00e0 c\u00f2n gi\u00fap th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n ph\u00f9 h\u1ee3p xu th\u1ebf C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p l\u1ea7n th\u1ee9 4.<\/p>\n\n\n\n

Theo B\u1ed9 T\u00e0i ch\u00ednh, \u0111\u1ec3 \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, c\u1ea7n t\u1eadp trung tri\u1ec3n khai quy\u1ebft li\u1ec7t c\u00e1c nhi\u1ec7m v\u1ee5 gi\u1ea3i ph\u00e1p \u0111\u1ec1 ra trong Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2030, c\u1ee5 th\u1ec3:<\/p>\n\n\n\n

M\u1ed9t l\u00e0<\/em>, khuy\u1ebfn kh\u00edch, th\u00fac \u0111\u1ea9y doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, doanh nghi\u1ec7p t\u00e1i b\u1ea3o hi\u1ec3m, doanh nghi\u1ec7p m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m c\u00f3 h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin hi\u1ec7n \u0111\u1ea1i, \u1ee9ng d\u1ee5ng trong t\u1ea5t c\u1ea3 c\u00e1c kh\u00e2u c\u1ee7a kinh doanh b\u1ea3o hi\u1ec3m, c\u00f3 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 th\u00f4ng tin, b\u1ea3o m\u1eadt th\u00f4ng tin kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n

Hai l\u00e0,<\/em> x\u00e2y d\u1ef1ng khung th\u1ec3 ch\u1ebf th\u1eed nghi\u1ec7m cho c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m (Insurtech) theo th\u00f4ng l\u1ec7 t\u1ed1t nh\u1ea5t, t\u1ea1o thu\u1eadn l\u1ee3i cho doanh nghi\u1ec7p ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m s\u1ed1 m\u1edbi.<\/p>\n\n\n\n

Ba l\u00e0,<\/em> thi\u1ebft l\u1eadp c\u01a1 ch\u1ebf chia s\u1ebb th\u00f4ng tin gi\u1eefa doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u1eb1m ph\u00f2ng ch\u1ed1ng gian l\u1eadn b\u1ea3o hi\u1ec3m, h\u1ed7 tr\u1ee3 v\u00e0 t\u01b0 v\u1ea5n ph\u00e1p l\u00fd, gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i; c\u01a1 ch\u1ebf chia s\u1ebb th\u00f4ng tin gi\u1eefa c\u01a1 s\u1edf d\u1eef li\u1ec7u v\u1ec1 ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u chuy\u00ean ng\u00e0nh, c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia.<\/p>\n\n\n\n

B\u1ed1n l\u00e0,<\/em> th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd v\u00e0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m, ph\u00e1t tri\u1ec3n v\u00e0 s\u1eed d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1 \u0111\u1ec3 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n v\u00e0 t\u1ed1i \u01b0u h\u00f3a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m. \u1ee8ng d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 s\u1ed1, n\u1ec1n t\u1ea3ng s\u1ed1 \u0111\u1ec3 gi\u00e1m s\u00e1t, \u0111o l\u01b0\u1eddng tr\u1ef1c tuy\u1ebfn k\u1ebft qu\u1ea3 th\u1ef1c hi\u1ec7n c\u00e1c ti\u00eau ch\u00ed qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o minh b\u1ea1ch, ch\u00ednh x\u00e1c, k\u1ecbp th\u1eddi.<\/p>\n\n\n\n

Ngu\u1ed3n: https:\/\/tapchitaichinh.vn\/day-manh-ung-dung-cong-nghe-thong-tin-trong-hoat-dong-kinh-doanh-bao-hiem.html<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ec3 hi\u1ec7n th\u1ef1c h\u00f3a c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ec1 ra trong Chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2030, m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p quan tr\u1ecdng trong th\u1eddi gian t\u1edbi l\u00e0 \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m. \u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 […]<\/p>\n","protected":false},"featured_media":14066,"template":"","article_category":[14],"class_list":["post-14064","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\/14064","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\/14066"}],"wp:attachment":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media?parent=14064"}],"wp:term":[{"taxonomy":"article_category","embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article_category?post=14064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}