{"id":12834,"date":"2025-03-07T16:54:12","date_gmt":"2025-03-07T09:54:12","guid":{"rendered":"https:\/\/www.phfm.vn\/?p=12834"},"modified":"2025-03-10T08:49:15","modified_gmt":"2025-03-10T01:49:15","slug":"vietnams-insurance-market-promising-long-term-outlook","status":"publish","type":"post","link":"https:\/\/www.phfm.vn\/vi\/vietnams-insurance-market-promising-long-term-outlook\/","title":{"rendered":"NG\u00c0NH B\u1ea2O HI\u1ec2M: KH\u00d3 KH\u0102N D\u1ea6N QUA, TRI\u1ec2N V\u1eccNG TRONG D\u00c0I H\u1ea0N"},"content":{"rendered":"NG\u00c0NH B\u1ea2O HI\u1ec2M: KH\u00d3 KH\u0102N D\u1ea6N QUA, TRI\u1ec2N V\u1eccNG TRONG D\u00c0I H\u1ea0N<\/strong><\/p>\n

Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam v\u1eabn c\u00f2n ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3<\/strong>, do t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m (doanh thu ph\u00ed b\u1ea3o hi\u1ec3m so v\u1edbi GDP) v\u00e0 chi ti\u00eau b\u1ea3o hi\u1ec3m b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi v\u1eabn c\u00f2n th\u1ea5p.<\/p>\n

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Trong n\u0103m 2023, t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m c\u1ee7a Vi\u1ec7t Nam \u0111\u1ea1t 2,31% (ch\u00ednh ph\u1ee7 \u0111\u1eb7t m\u1ee5c ti\u00eau 3,5% cho n\u0103m 2025), t\u1ef7 l\u1ec7 n\u00e0y th\u1ea5p h\u01a1n 1% so v\u1edbi t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp trung b\u00ecnh \u1edf c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i v\u00e0 th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c 10% \u1edf c\u00e1c th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n. Ph\u00ed b\u1ea3o hi\u1ec3m b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi c\u1ee7a Vi\u1ec7t Nam c\u0169ng r\u1ea5t th\u1ea5p, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 1\/3 m\u1ee9c c\u1ee7a c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i \u1edf ch\u00e2u \u00c1. Ngo\u00e0i ra, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1eb7t m\u1ee5c ti\u00eau t\u0103ng t\u1ef7 l\u1ec7 d\u00e2n s\u1ed1 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1eeb kho\u1ea3ng 12% v\u00e0o n\u0103m 2023 l\u00ean 15% v\u00e0o n\u0103m 2025 v\u00e0 18% v\u00e0o n\u0103m 2023. C\u00f9ng v\u1edbi tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf c\u1ee7a Vi\u1ec7t Nam, l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m v\u1eabn c\u00f2n nhi\u1ec1u ti\u1ec1m n\u0103ng, mang \u0111\u1ebfn nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ea7y h\u1ee9a h\u1eb9n cho c\u00e1c c\u00f4ng ty trong ng\u00e0nh.<\/p>\n

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Ngu\u1ed3n: WB, Swiss Re, PHFM<\/p>\n

S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa tri\u1ec3n v\u1ecdng kinh t\u1ebf t\u01b0\u01a1i s\u00e1ng c\u1ee7a Vi\u1ec7t Nam, kinh t\u1ebf v\u0129 m\u00f4 \u1ed5n \u0111\u1ecbnh<\/strong>, c\u00f9ng v\u1edbi l\u1ee3i th\u1ebf d\u00e2n s\u1ed1 l\u1edbn kho\u1ea3ng 100 tri\u1ec7u ng\u01b0\u1eddi v\u00e0 v\u1eabn \u0111ang t\u0103ng, l\u1ee3i th\u1ebf n\u00e0y t\u1ea1o ra n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m. Vi\u1ec7t Nam \u0111\u00e3 duy tr\u00ec t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf \u1ed5n \u0111\u1ecbnh, v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh kho\u1ea3ng 7,0% trong th\u1eadp k\u1ef7 qua. Ch\u00ednh ph\u1ee7 \u0111\u00e3 \u0111\u1eb7t m\u1ee5c ti\u00eau \u0111\u1ea7y tham v\u1ecdng l\u00e0 n\u00e2ng t\u0103ng tr\u01b0\u1edfng GDP l\u00ean hai con s\u1ed1 v\u00e0 GDP b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi l\u00ean 7.500 USD v\u00e0o n\u0103m 2030. Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y t\u1ea1o ra m\u1ed9t m\u00f4i tr\u01b0\u1eddng r\u1ea5t thu\u1eadn l\u1ee3i cho s\u1ef1 ph\u00e1t tri\u1ec3n t\u01b0\u01a1ng lai c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m. Theo \u01b0\u1edbc t\u00ednh t\u1eeb Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi, t\u1ef7 l\u1ec7 d\u00e2n s\u1ed1 Vi\u1ec7t Nam \u0111\u01b0\u1ee3c x\u1ebfp v\u00e0o t\u1ea7ng l\u1edbp trung l\u01b0u d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng t\u1eeb 19% (n\u0103m 2023) l\u00ean 26% v\u00e0o n\u0103m 2026. Ngo\u00e0i ra, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111ang \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb nh\u1eefng c\u1ea3i c\u00e1ch \u0111ang di\u1ec5n ra trong h\u1ec7 th\u1ed1ng y t\u1ebf, c\u00e1c ch\u00ednh s\u00e1ch an sinh x\u00e3 h\u1ed9i v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng t\u0103ng th\u00f4ng qua k\u00eanh bancassurance (b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng).<\/p>\n

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Ngu\u1ed3n: IAV, PHFM<\/p>\n

Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u00e3 th\u1ec3 hi\u1ec7n s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng<\/strong>, v\u1edbi t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m t\u0103ng h\u01a1n 16% m\u1ed7i n\u0103m trong th\u1eadp k\u1ef7 qua. Trong giai \u0111o\u1ea1n n\u00e0y, ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u0103ng tr\u01b0\u1edfng v\u1edbi t\u1ed1c \u0111\u1ed9 g\u1ea7n 20% m\u1ed7i n\u0103m, trong khi ph\u00ed b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd t\u0103ng tr\u01b0\u1edfng 11% m\u1ed7i n\u0103m. Tuy nhi\u00ean, \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c trong giai \u0111o\u1ea1n 2022-2024, ng\u00e0nh b\u1ea3o hi\u1ec3m ghi nh\u1eadn t\u0103ng tr\u01b0\u1edfng \u00e2m l\u1ea7n \u0111\u1ea7u ti\u00ean trong h\u01a1n m\u1ed9t th\u1eadp k\u1ef7 v\u00e0o n\u0103m 2023 do s\u1ef1 suy gi\u1ea3m c\u1ee7a ph\u00e2n kh\u00fac b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Nh\u1eefng th\u00e1ch th\u1ee9c c\u1ee7a ng\u00e0nh ch\u1ee7 y\u1ebfu do s\u1ef1 kh\u1ee7ng ho\u1ea3ng c\u1ee7a k\u00eanh bancassurance v\u00e0 suy tho\u00e1i kinh t\u1ebf khi\u1ebfn cho ng\u00e0nh ph\u1ea3i ch\u1ecbu t\u00e1c \u0111\u1ed9ng k\u00e9p, gi\u1ea3m 44% ph\u00ed b\u1ea3o hi\u1ec3m khai th\u00e1c m\u1edbi v\u00e0 gi\u1ea3m 13% t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/p>\n

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Ngu\u1ed3n: IAV, PHFM<\/p>\n

N\u0103m 2024, th\u00e1ch th\u1ee9c v\u1eabn ti\u1ebfp di\u1ec5n khi t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m to\u00e0n th\u1ecb tr\u01b0\u1eddng \u01b0\u1edbc \u0111\u1ea1t 227 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng (-0,25% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc). Trong \u0111\u00f3, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ea1t kho\u1ea3ng 149 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng (-5% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc) v\u00e0 doanh thu t\u1eeb b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd ph\u1ee5c h\u1ed3i m\u1ea1nh m\u1ebd v\u1edbi m\u1ee9c t\u0103ng 10,2%, \u0111\u1ea1t 78 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng. T\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khai th\u00e1c m\u1edbi n\u0103m 2024 \u01b0\u1edbc t\u00ednh gi\u1ea3m kho\u1ea3ng 10%, m\u1ee9c gi\u1ea3m th\u1ea5p h\u01a1n m\u1ee9c s\u1ee5p gi\u1ea3m m\u1ea1nh c\u1ee7a n\u0103m 2023. Trong \u0111\u00f3, b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn nh\u1ea5t v\u1edbi 70%, ti\u1ebfp theo l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd h\u1ed7n h\u1ee3p v\u1edbi t\u1ef7 tr\u1ecdng g\u1ea7n 17%.
\nV\u1ec1 th\u1ecb ph\u1ea7n, ph\u00e2n kh\u00fac b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u01b0\u1edbc \u0111\u00e2y b\u1ecb th\u1ed1ng tr\u1ecb b\u1edfi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u01b0\u1edbc ngo\u00e0i. Tuy nhi\u00ean, m\u1ed9t c\u00f4ng ty trong n\u01b0\u1edbc l\u00e0 BVH-Life \u0111ang v\u01b0\u01a1n l\u00ean v\u00e0 \u0111\u00e3 gi\u00e0nh \u0111\u01b0\u1ee3c th\u1ecb ph\u1ea7n trong giai \u0111o\u1ea1n 2023-2024, BVH \u0111\u00e3 th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i m\u1ea1nh m\u1ebd nh\u1ea5t trong giai \u0111o\u1ea1n kh\u1ee7ng ho\u1ea3ng ng\u00e0nh c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, ph\u1ea7n l\u1edbn l\u00e0 nh\u1edd c\u00f4ng ty g\u1ea7n nh\u01b0 kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o k\u00eanh bancassurance, c\u00f4ng ty \u0111\u00e3 d\u1eabn \u0111\u1ea7u th\u1ecb ph\u1ea7n v\u1ec1 c\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m khai th\u00e1c m\u1edbi v\u00e0 t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m. V\u1edbi c\u00e1c quy \u0111\u1ecbnh m\u1edbi h\u1ea1n ch\u1ebf vi\u1ec7c b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd qua k\u00eanh ng\u00e2n h\u00e0ng, t\u00ednh c\u1ea1nh tranh c\u1ee7a k\u00eanh bancassurance \u0111\u00e3 gi\u1ea3m \u0111\u00e1ng k\u1ec3 khi c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng g\u00e2y \u00e1p l\u1ef1c bu\u1ed9c kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng mong mu\u1ed1n. Ph\u00eda sau BVH, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u01b0\u1edbc ngo\u00e0i l\u00e0 Prudential, Manulife, Dai-ichi Life v\u00e0 AIA.<\/p>\n

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Ngu\u1ed3n: IAV, PHFM<\/p>\n

Trong khi \u0111\u00f3, ph\u00ed b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u01b0\u1edbc t\u00ednh t\u0103ng h\u01a1n 10% trong n\u0103m 2024, \u0111\u00e1nh d\u1ea5u s\u1ef1 ph\u1ee5c h\u1ed3i m\u1ea1nh m\u1ebd so v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng 5,1% ghi nh\u1eadn trong n\u0103m 2023. S\u1ef1 t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng n\u00e0y \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u1ea3 s\u1ef1 ph\u1ee5c h\u1ed3i c\u1ee7a n\u1ec1n kinh t\u1ebf v\u00e0 hi\u1ec7u \u1ee9ng c\u01a1 s\u1edf th\u1ea5p c\u1ee7a n\u0103m ngo\u00e1i. B\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 s\u1ee9c kh\u1ecfe v\u1eabn l\u00e0 d\u00f2ng s\u1ea3n ph\u1ea9m d\u1eabn \u0111\u1ea7u v\u1ec1 t\u1ef7 tr\u1ecdng v\u00e0 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd h\u01a1n 20% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. B\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi ch\u1ec9 \u0111\u1ea1t m\u1ee9c t\u0103ng tr\u01b0\u1edfng 5% trong n\u0103m 2024, trong khi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00e1c duy tr\u00ec m\u1ee9c t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m \u1ed5n \u0111\u1ecbnh kho\u1ea3ng 10%. V\u1ec1 th\u1ecb ph\u1ea7n, c\u00e1c c\u00f4ng ty trong n\u01b0\u1edbc d\u1eabn \u0111\u1ea7u, hai c\u00f4ng ty \u0111\u1ee9ng \u0111\u1ea7u \u0111ang c\u1ea1nh tranh gay g\u1eaft, PVI \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee9c t\u0103ng th\u1ecb ph\u1ea7n \u0111\u00e1ng k\u1ec3 kho\u1ea3ng 3% trong n\u0103m 2024, v\u1edbi s\u1ef1 m\u1edf r\u1ed9ng tr\u00ean h\u1ea7u h\u1ebft c\u00e1c ph\u00e2n kh\u00fac s\u1ea3n ph\u1ea9m, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i, n\u01a1i c\u00f4ng ty c\u00f3 l\u1ee3i th\u1ebf c\u1ea1nh tranh m\u1ea1nh m\u1ebd. Trong khi \u0111\u00f3, m\u1ea3ng phi nh\u00e2n th\u1ecd c\u1ee7a BVH ch\u1ee9ng ki\u1ebfn s\u1ef1 s\u1ee5t gi\u1ea3m \u0111\u00e1ng k\u1ec3 v\u1ec1 th\u1ecb ph\u1ea7n trong n\u0103m 2024 m\u1eb7c d\u00f9 l\u00e0 c\u00f4ng ty \u0111ang d\u1eabn \u0111\u1ea7u trong b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe.<\/p>\n

S\u1ef1 chuy\u1ec3n \u0111\u1ed5i trong c\u01a1 c\u1ea5u danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong>.<\/strong> T\u1ed5ng t\u00e0i s\u1ea3n c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng k\u00e9p v\u1edbi t\u1ed1c \u0111\u1ed9 h\u00e0ng n\u0103m l\u00e0 20% trong th\u1eadp k\u1ef7 qua, \u01b0\u1edbc t\u00ednh \u0111\u1ea1t h\u01a1n 1 tri\u1ec7u t\u1ef7 \u0111\u1ed3ng v\u00e0o n\u0103m 2024, gi\u00e1 tr\u1ecb danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u0169ng t\u0103ng tr\u01b0\u1edfng v\u1edbi t\u1ed1c \u0111\u1ed9 t\u01b0\u01a1ng t\u1ef1 v\u00e0 chi\u1ebfm h\u01a1n 83% t\u1ed5ng t\u00e0i s\u1ea3n. Trong \u0111\u00f3, \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 v\u00e0 ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng chi\u1ebfm h\u01a1n 80% t\u1ed5ng gi\u00e1 tr\u1ecb danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, s\u1ef1 suy gi\u1ea3m l\u00e3i su\u1ea5t c\u00e1c n\u0103m g\u1ea7n \u0111\u00e2y xu\u1ed1ng m\u1ee9c th\u1ea5p k\u1ef7 l\u1ee5c trong th\u1eddi k\u1ef3 Covid \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn thu nh\u1eadp t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u00ec v\u1eady, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 chuy\u1ec3n h\u01b0\u1edbng t\u00e0i s\u1ea3n sang c\u00e1c t\u00e0i s\u1ea3n c\u00f3 l\u1ee3i su\u1ea5t cao h\u01a1n, v\u1edbi s\u1ef1 thay \u0111\u1ed5i l\u1edbn nh\u1ea5t l\u00e0 t\u0103ng t\u1ef7 tr\u1ecdng \u0111\u00e1ng k\u1ec3 v\u00e0o ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh.<\/p>\n

\"\"<\/p>\n

Ngu\u1ed3n: IAV, PHFM<\/p>\n

Danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111\u00e3 tr\u1ea3i qua nh\u1eefng thay \u0111\u1ed5i c\u01a1 c\u1ea5u \u0111\u00e1ng k\u1ec3, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u1edf c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd: (1) gi\u1ea3m n\u1eafm gi\u1eef tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7: t\u1ef7 l\u1ec7 \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 \u01b0\u1edbc t\u00ednh \u0111\u00e3 gi\u1ea3m t\u1eeb 52% v\u00e0o n\u0103m 2018 xu\u1ed1ng c\u00f2n 36% v\u00e0o cu\u1ed1i n\u0103m 2024 (E), (2) t\u0103ng ph\u00e2n b\u1ed5 v\u00e0o ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng: ph\u00e2n b\u1ed5 v\u00e0o ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng t\u0103ng t\u1eeb 35% v\u00e0o n\u0103m 2018 l\u00ean 42% v\u00e0o n\u0103m 2024 (E), ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng tr\u1edf th\u00e0nh lo\u1ea1i t\u00e0i s\u1ea3n chi\u1ebfm t\u1ef7 tr\u1ecdng nh\u1ea5t trong danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a ng\u00e0nh, (3) t\u0103ng c\u01b0\u1eddng \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p v\u00e0 c\u1ed5 phi\u1ebfu: t\u1ef7 tr\u1ecdng c\u1ee7a tr\u00e1i phi\u1ebfu doanh nghi\u1ec7p v\u00e0 c\u1ed5 phi\u1ebfu t\u0103ng t\u1eeb 7% v\u00e0o n\u0103m 2018 l\u00ean 13% v\u00e0o n\u0103m 2024 (E).
\nCh\u00fang t\u00f4i v\u1eabn kh\u00e1 l\u1ea1c quan v\u00e0 k\u1ef3 v\u1ecdng ng\u00e0nh b\u1ea3o hi\u1ec3m s\u1ebd s\u1edbm l\u1ea5y l\u1ea1i \u0111\u00e0 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd b\u1edfi v\u00ec th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam c\u00f2n kh\u00e1 s\u01a1 khai b\u00ean c\u1ea1nh \u0111\u00f3 l\u00e0 nh\u1edd s\u1ee9c mua ph\u1ee5c h\u1ed3i, m\u1eb7c d\u00f9 ba n\u0103m qua l\u00e0 m\u1ed9t giai \u0111o\u1ea1n c\u1ef1c k\u1ef3 kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m. Trong c\u00e1c ph\u00e2n kh\u00fac, b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u0111ang ph\u1ee5c h\u1ed3i nhanh h\u01a1n v\u00e0 ch\u00fang t\u00f4i k\u1ef3 v\u1ecdng ph\u00ed b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd s\u1ebd t\u0103ng tr\u01b0\u1edfng hai con s\u1ed1 trong 3 n\u0103m t\u1edbi. Trong khi \u0111\u00f3, m\u1ea3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd s\u1ebd c\u1ea7n th\u00eam th\u1eddi gian \u0111\u1ec3 c\u00f3 th\u1ec3 ph\u1ee5c h\u1ed3i do k\u00eanh bancassurance c\u00f2n nhi\u1ec1u th\u00e1ch th\u1ee9c, doanh thu c\u1ee7a ph\u00e2n kh\u00fac n\u00e0y c\u00f3 th\u1ec3 ph\u1ee5c h\u1ed3i v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng hai con s\u1ed1 t\u1eeb n\u0103m 2026 tr\u1edf \u0111i. Tuy nhi\u00ean, nh\u1eefng th\u00e1ch th\u1ee9c hi\u1ec7n t\u1ea1i c\u0169ng t\u1ea1o ra c\u01a1 h\u1ed9i cho c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc nh\u01b0 BVH, \u0111ang gi\u00e0nh th\u1ecb ph\u1ea7n ho\u1eb7c c\u00e1c doanh nghi\u1ec7p m\u1edbi gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng ti\u1ec1m n\u0103ng cao n\u00e0y. V\u00ed d\u1ee5, Techcombank \u0111\u00e3 \u0111\u1ed3ng \u00fd b\u1ed3i th\u01b0\u1eddng cho Manulife \u0111\u1ec3 ch\u1ea5m d\u1ee9t s\u1ef1 h\u1ee3p t\u00e1c qua k\u00eanh bancassurance v\u00e0 ph\u00e1t tri\u1ec3n ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m ri\u00eang d\u01b0\u1edbi th\u01b0\u01a1ng hi\u1ec7u TCB.
\nCh\u00fang t\u00f4i tin r\u1eb1ng c\u00e1c c\u1ed5 phi\u1ebfu ng\u00e0nh b\u1ea3o hi\u1ec3m l\u00e0 nh\u1eefng l\u1ef1a ch\u1ecdn ti\u1ec1m n\u0103ng cho danh m\u1ee5c \u0111\u1ea7u t\u01b0 nh\u1edd tri\u1ec3n v\u1ecdng d\u00e0i h\u1ea1n \u0111\u1ea7y h\u1ee9a h\u1eb9n, s\u1ef1 c\u1ea3i thi\u1ec7n v\u1ec1 t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn tr\u00ean v\u1ed1n ch\u1ee7 s\u1edf h\u1eefu (ROE) v\u00e0 m\u1ee9c \u0111\u1ecbnh gi\u00e1 kh\u00e1 h\u1ea5p d\u1eabn. Ngo\u00e0i ra, trong ng\u1eafn h\u1ea1n, ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y d\u1ef1 b\u00e1o t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn tr\u00ean m\u1ed7i c\u1ed5 phi\u1ebfu (EPS) c\u0169ng kh\u00e1 v\u1eefng ch\u1eafc v\u1edbi k\u1ef3 v\u1ecdng v\u00e0o vi\u1ec7c l\u00e3i su\u1ea5t t\u0103ng trong n\u0103m 2025. Ch\u00fang t\u00f4i \u01b0a th\u00edch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng v\u00e0 \u0111ang gi\u00e0nh \u0111\u01b0\u1ee3c th\u00eam th\u1ecb ph\u1ea7n, v\u00ed d\u1ee5 nh\u01b0 BVH v\u00e0 PVI.<\/p>\n

Ph\u00f9ng Minh Ho\u00e0ng \u2013 Ph\u00f2ng \u0110\u1ea7u t\u01b0 PHFM<\/em><\/p>","protected":false},"excerpt":{"rendered":"

NG\u00c0NH B\u1ea2O HI\u1ec2M: KH\u00d3 KH\u0102N D\u1ea6N QUA, TRI\u1ec2N V\u1eccNG TRONG D\u00c0I H\u1ea0N Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam v\u1eabn c\u00f2n ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3, do t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m (doanh thu ph\u00ed b\u1ea3o hi\u1ec3m so v\u1edbi GDP) v\u00e0 chi ti\u00eau b\u1ea3o hi\u1ec3m b\u00ecnh qu\u00e2n \u0111\u1ea7u ng\u01b0\u1eddi v\u1eabn c\u00f2n th\u1ea5p. Trong n\u0103m…<\/p>\n","protected":false},"author":10,"featured_media":12835,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[103,182,105],"tags":[175,173,174,176,177,178],"_links":{"self":[{"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/posts\/12834"}],"collection":[{"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/comments?post=12834"}],"version-history":[{"count":11,"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/posts\/12834\/revisions"}],"predecessor-version":[{"id":12866,"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/posts\/12834\/revisions\/12866"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/media\/12835"}],"wp:attachment":[{"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/media?parent=12834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/categories?post=12834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.phfm.vn\/vi\/wp-json\/wp\/v2\/tags?post=12834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}