{"id":86205,"date":"2023-08-25T11:02:17","date_gmt":"2023-08-25T04:02:17","guid":{"rendered":"https:\/\/corporatecounsels.vn\/?p=86205"},"modified":"2023-08-30T15:00:23","modified_gmt":"2023-08-30T08:00:23","slug":"bao-hiem-nhan-tho-nhieu-van-de-bat-cap-phan-1","status":"publish","type":"post","link":"https:\/\/corporatecounsels.vn\/vi\/bao-hiem-nhan-tho-nhieu-van-de-bat-cap-phan-1\/","title":{"rendered":"B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd – Nhi\u1ec1u V\u1ea5n \u0110\u1ec1 B\u1ea5t C\u1eadp (Ph\u1ea7n 1)"},"content":{"rendered":"

B\u00e0i vi\u1ebft g\u1ed1c: <\/em>B\u00e0i 1: B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Prudential b\u00e1n b\u1ea3o hi\u1ec3m qua h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng<\/em><\/a><\/strong><\/p>\n

B\u00e0i 1: B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd Prudential B\u00e1n B\u1ea3o Hi\u1ec3m Qua H\u00e0ng Lo\u1ea1t Ng\u00e2n H\u00e0ng<\/strong><\/h1>\n

Th\u1eddi gian qua, t\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m t\u01b0 v\u1ea5n sai, nh\u1eadp nh\u00e8m, thi\u1ebfu minh b\u1ea1ch, r\u1ed3i n\u00f3i chuy\u1ec7n ng\u00e2n h\u00e0ng \u201co \u00e9p\u201d kh\u00e1ch v\u1ed1n ph\u1ea3i mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u2026, khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi b\u1ee9c x\u00fac. V\u00e0o th\u00e1ng 6\/2023 v\u1eeba qua, Ngh\u1ecb quy\u1ebft K\u1ef3 h\u1ecdp th\u1ee9 5 c\u1ee7a Qu\u1ed1c h\u1ed9i kh\u00f3a XV n\u00eau r\u00f5 m\u1ed9t trong nh\u1eefng vi\u1ec7c c\u1ea7n l\u00e0m l\u00e0 thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/p>\n

M\u1edbi \u0111\u00e2y, ng\u00e0y 27\/7\/2023, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 Ph\u1ea1m Minh Ch\u00ednh \u0111\u00e3 k\u00fd v\u0103n b\u1ea3n v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng c\u1ee7a doanh nghi\u1ec7p. V\u0103n b\u1ea3n n\u1ebfu r\u00f5, \u0111\u1ec3 ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n quy\u1ebft li\u1ec7t, k\u1ecbp th\u1eddi, hi\u1ec7u qu\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng, gi\u1ea3m m\u1eb7t b\u1eb1ng l\u00e3i su\u1ea5t cho vay, ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m, Th\u1ee7 t\u01b0\u1edbng Ph\u1ea1m Minh Ch\u00ednh y\u00eau c\u1ea7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam ch\u1ee7 tr\u1ecb, ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c c\u01a1 quan li\u00ean quan th\u1ef1c hi\u1ec7n nhi\u1ec1u gi\u1ea3i ph\u00e1p. C\u1ee5 th\u1ec3, Th\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u00e0 B\u1ed9 T\u00e0i ch\u00ednh ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebf trong th\u1ef1c hi\u1ec7n thanh tra, ki\u1ec3m tra, gi\u00e1m s\u00e1t vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m, b\u00e1n b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. M\u1ee5c ti\u00eau l\u00e0 \u0111\u1ec3 nhanh ch\u00f3ng x\u00e1c \u0111\u1ecbnh, l\u00e0m r\u00f5 c\u00f3 d\u1ea5u hi\u1ec7u sai ph\u1ea1m hay kh\u00f4ng, c\u00f3 h\u00e0nh vi gian d\u1ed1i, l\u1eeba \u0111\u1ea3o, v\u00ec ph\u1ea1m ph\u00e1p lu\u1eadt hay kh\u00f4ng, \u0111\u1ec3 c\u00f3 c\u01a1 s\u1edf x\u1eed l\u00fd theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u00e0 c\u00f3 gi\u1ea3i ph\u00e1p ch\u1ea5n ch\u1ec9nh k\u1ecbp th\u1eddi, hi\u1ec7u qu\u1ea3.<\/p>\n

C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m – B\u1ed9 T\u00e0i ch\u00ednh v\u1eeba th\u00f4ng b\u00e1o K\u1ebft lu\u1eadn thanh tra (KLTT) v\u1ec1 vi\u1ec7c thanh tra chuy\u00ean \u0111\u1ec1 t\u1ea1i c\u00f4ng ty TNHH b\u00e1o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) Prudential Vi\u1ec7t Nam (g\u1ecdi t\u1eaft l\u00e0 B\u00f4ng ty Prudential VN). Theo \u0111\u00f3, ng\u00e0y 29\/6\/2025, B\u1ed9 T\u00e0i chinh \u0111\u00e3 ban h\u00e0nh KLTT s\u1ed1 812\/KL-BTC V\u1ec0 vi\u1ec7c thanh tra chuy\u00ean \u0111\u1ec1 b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u00f4ng qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 n\u1ed9i dung li\u00ean quan t\u1ea1i C\u00f4ng ty Prudential VN.<\/strong><\/p>\n

Prudential B\u00e1n B\u1ea3o Hi\u1ec3m Th\u00f4ng Qua C\u00e1c Ng\u00e2n H\u00e0ng N\u00e0o?<\/strong><\/h2>\n

C\u0103n c\u1ee9 \u0110i\u1ec1u 39 Lu\u1eadt Thanh tra n\u0103m 2010, \u0110i\u1ec1u 46 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 86\/2011\/N\u0110- CP v\u1ec1 quy \u0111\u1ecbnh chi ti\u1ebft v\u00e0 h\u01b0\u1edbng d\u1eabn thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Thanh tra, B\u1ed9 T\u00e0i ch\u00ednh th\u00f4ng b\u00e1o v\u1ec1 KLTT chuy\u00ean \u0111\u1ec1 t\u1ea1i C\u00f4ng ty Prudential VN nh\u01b0 sau: N\u1ed9i dung thanh tra, thanh tra chuy\u00ean \u0111\u1ec1 b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u00f4ng qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i v\u00e0 n\u1ed9i dung li\u00ean quan t\u1ea1i C\u00f4ng ty Prudential VN. Th\u1eddi k\u1ef3 thanh tra l\u00e0 n\u0103m 2021 v\u00e0 c\u00e1c th\u1eddi k\u1ef3 c\u00f3 li\u00ean quan.<\/p>\n

Theo k\u1ebft qu\u1ea3 thanh tra, C\u00f4ng ty Prudential VN l\u00e0 doanh nghi\u1ec7p 100% v\u1ed1n n\u01b0\u1edbc ngo\u00e0i, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u1ea1i Vi\u1ec7t Nam theo Gi\u1ea5y ph\u00e9p th\u00e0nh l\u1eadp v\u00e0 ho\u1ea1t \u0111\u1ed9ng s\u1ed1 15 GP\/KDBH c\u1ea5p l\u1ea1i v\u00e0o ng\u00e0y 08\/9\/2011 do B\u1ed9 T\u00e0i ch\u00ednh c\u1ea5p, l\u0129nh v\u1ef1c ho\u1ea1t \u0111\u1ed9ng l\u00e0 kinh doanh BHNT, b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, kinh doanh t\u00e1i b\u1ea3o hi\u1ec3m, qu\u1ea3n l\u00fd qu\u1ef9, \u0111\u1ea7u t\u01b0 v\u1ed1n theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt… N\u0103m 2021, c\u00f4ng ty n\u00e0y tri\u1ec3n khai b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng qua c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (bancass), g\u1ed3m: Ng\u00e2n h\u00e0ng TMCP Qu\u1ed1c T\u1ebf Vi\u1ec7t Nam (VIB), Ng\u00e2n h\u00e0ng TMCP H\u00e0ng H\u1ea3i Vi\u1ec7t Nam (MSB), Ng\u00e2n h\u00e0ng TMCP \u0110\u1ea1i Ch\u00fang Vi\u1ec7t Nam (PVcomBank), Ng\u00e2n h\u00e0ng TMCP \u0110\u00f4ng Nam \u00c1 (SeABank), Ng\u00e2n h\u00e0ng TNHH MTV Standard Chartered, Ng\u00e2n h\u00e0ng TMCP Vi\u1ec7t Nam Th\u01b0\u01a1ng T\u00edn (VietBank), Ng\u00e2n h\u00e0ng TNHH MTV United Overseas Bank Vi\u1ec7t Nam (UOB Vi\u1ec7t Nam), Ng\u00e2n h\u00e0ng TNHH MTV Shinhan Vi\u1ec7t Nam (Shinhan Bank Vi\u1ec7t Nam).<\/p>\n

Theo b\u00e1o c\u00e1o t\u00e0i ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m to\u00e1n n\u0103m 2021, doanh thu ph\u00ed b\u1ea3o hi\u1ec3m qua k\u00eanh bancass c\u1ee7a C\u00f4ng ty Prudential VN \u0111\u1ea1t h\u01a1n 6.184,5 t\u1ef7 \u0111\u1ed3ng (t\u01b0\u01a1ng \u1ee9ng h\u01a1n 21,4% t\u1ed5ng doanh thu ph\u00ed), doanh thu ph\u00ed b\u1ea3o hi\u1ec3m khai th\u00e1c m\u1edbi qua k\u00eanh bancass \u0111\u1ea1t h\u01a1n 3.700,2 t\u1ef7 \u0111\u1ed3ng (t\u01b0\u01a1ng \u1ee9ng h\u01a1n 54,8% t\u1ed5ng doanh thu ph\u00ed khai th\u00e1c m\u1edbi). C\u00f4ng ty Prudential VN h\u1ea1ch to\u00e1n chi ph\u00ed chi tr\u1ea3 cho c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m l\u00e0 ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00e0 h\u01a1n 1.972,1 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

N\u0103m 2021, C\u00f4ng ty Prudential VN ph\u00e1t h\u00e0nh m\u1edbi 94.431 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m qua k\u00eanh bancass, t\u1ec9 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng n\u0103m th\u1ee9 nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m khai th\u00e1c qua k\u00eanh bancass (t\u1ec9nh theo phi b\u1ea3o hi\u1ec3m) l\u00e0 59%, t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ec9 l\u1ec7 h\u1ee7y, m\u1ea5t hi\u1ec7u l\u1ef1c n\u0103m th\u1ee9 nh\u1ea5t l\u00e0 41%. N\u0103m 2021. C\u00f4ng ty Prudential VN th\u1ef1c hi\u1ec7n qu\u1ea3n l\u00fd \u0111\u1ea1i l\u00fd th\u00f4ng qua quy tr\u00ecnh \u201cCu\u1ed9c g\u1ecdi ch\u00e0o m\u1eebng\u201d (Welcome Call). Theo \u0111\u00f3, c\u00f4ng ty n\u00e0y li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i trong th\u1eddi gian 21 ng\u00e0y c\u00e2n nh\u1eafc, nh\u1eb1m \u0111\u00e1nh gi\u00e1 ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng m\u1edbi, b\u1ea3o \u0111\u1ea3m kh\u00e1ch h\u00e0ng hi\u1ec3u v\u1ec1 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 tham gia v\u00e0 c\u00f3 quy\u1ec1n c\u00e2n nh\u1eafc, \u0111i\u1ec1u ch\u1ec9nh, h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng n\u1ebfu nh\u1eadn th\u1ea5y h\u1ee3p \u0111\u1ed3ng kh\u00f4ng ph\u00f9 h\u1ee3p. N\u0103m 2021, C\u00f4ng ty Prudential VN th\u1ef1c hi\u1ec7n h\u01a1n 76.000 cu\u1ed9c g\u1ecdi cho kh\u00e1ch h\u00e0ng tham gia b\u1ea3o hi\u1ec3m, s\u1ed1 l\u01b0\u1ee3ng cu\u1ed9c g\u1ecdi k\u1ebft n\u1ed1i \u0111\u01b0\u1ee3c v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 h\u01a1n 58.000 cu\u1ed9c (t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ec9 l\u1ec7 k\u1ebft n\u1ed1i th\u00e0nh c\u00f4ng l\u00e0 76,4%); trong \u0111\u00f3, c\u00f3 6.399 kh\u00e1ch h\u00e0ng c\u00f3 \u00fd ki\u1ebfn ph\u1ea3n \u00e1nh li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, n\u1ed9i dung t\u01b0 v\u1ea5n v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/p>\n

C\u00f2n quy tr\u00ecnh \u201cMua h\u00e0ng \u1ea9n danh” (Mystery Shopping) l\u00e0 quy tr\u00ecnh C\u00f4ng ty Prudential VN s\u1eed d\u1ee5ng c\u00e1c c\u00e1 nh\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o \u0111\u1ec3 th\u1ef1c hi\u1ec7n nh\u1eefng \u201ck\u1ecbch b\u1ea3n gi\u1ea3 \u0111\u1ecbnh\u201d v\u1edbi vai tr\u00f2 l\u00e0 kh\u00e1ch h\u00e0ng (kh\u00e1ch h\u00e0ng gi\u1ea3 \u0111\u1ecbnh), nh\u1eb1m ch\u1ee7 \u0111\u1ed9ng \u0111\u00e1nh gi\u00e1 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd v\u00e0 m\u1ee9c \u0111\u1ed9 \u0111\u00e1p \u1ee9ng c\u1ee7a l\u1ef1c l\u01b0\u1ee3ng b\u1ea3n h\u00e0ng theo c\u00e1c ti\u00eau chu\u1ea9n h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00f4ng ty n\u00e0y \u00e1p d\u1ee5ng cho ho\u1ea1t \u0111\u1ed9ng t\u01b0 v\u1ea5n, gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u1edbi kh\u00e1ch h\u00e0ng. N\u0103m 2021, c\u00f4ng ty n\u00e0y th\u1ef1c hi\u1ec7n 403 cu\u1ed9c \u201cMua h\u00e0ng \u1ea9n danh” \u0111\u1ed1i v\u1edbi 340 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. Qua \u0111\u00f3, c\u00f4ng ty ph\u00e1t hi\u1ec7n vi ph\u1ea1m c\u1ee7a 21 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 36 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd.<\/p>\n

Th\u1ef1c Hi\u1ec7n Ch\u01b0a \u0110\u00fang V\u1ec1 Kinh Doanh B\u1ea3o Hi\u1ec3m V\u00e0 Thu\u1ebf<\/strong><\/h2>\n

Quy tr\u00ecnh \u201cGi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i” (Complaint Handling) l\u00e0 quy tr\u00ecnh C\u00f4ng ty Prudential VN ti\u1ebfp nh\u1eadn, ki\u1ec3m tra, x\u00e1c minh, gi\u1ea3i quy\u1ebft ph\u1ea3n \u00e1nh c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m, ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n b\u00e1n h\u00e0ng c\u1ee7a t\u01b0 v\u1ea5n vi\u00ean v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c li\u00ean quan \u0111\u1ebfn t\u00ecnh tr\u1ea1ng, quy\u1ec1n l\u1ee3i c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng \u0111ang duy tr\u00ec. Vi\u1ec7c ki\u1ec3m tra, x\u00e1c minh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua c\u00e1c t\u00e0i li\u1ec7u, ch\u1ee9ng c\u1ee9 m\u00e0 kh\u00e1ch h\u00e0ng cung c\u1ea5p, \u0111\u1ed1i chi\u1ebfu v\u1edbi th\u00f4ng tin trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c v\u1edbi c\u00e1c b\u1ed9 ph\u1eadn, c\u00e1 nh\u00e2n li\u00ean quan \u0111\u1ec3 \u0111\u01b0a ra k\u1ebft lu\u1eadn v\u00e0 ph\u1ea3n h\u1ed3i, nh\u1eb1m b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng l\u1eabn c\u00f4ng l\u00fd. N\u0103m 2021, c\u00f4ng ty n\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c 1.799 th\u00f4ng tin khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng, li\u00ean quan \u0111\u1ebfn c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ea3n qua k\u00eanh bancass. Qua \u0111i\u1ec1u tra, x\u1eed l\u00fd th\u00f4ng tin khi\u1ebfu n\u1ea1i t\u1eeb kh\u00e1ch h\u00e0ng, C\u00f4ng ty Prudential VN ph\u00e1t hi\u1ec7n vi ph\u1ea1m c\u1ee7a 10 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 25 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng trong ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd.<\/p>\n

Theo k\u1ebft qu\u1ea3 thanh tra, v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh trong qu\u00e1 tr\u00ecnh tri\u1ec3n khai b\u00e1n b\u1ea3o hi\u1ec3m. Qua thanh tra ch\u1ecdn m\u1eabu, ph\u00e1t hi\u1ec7n 39 tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh trong qu\u00e1 tr\u00ecnh tri\u1ec3n khai b\u1ea3n b\u1ea3o hi\u1ec3m. C\u1ee5 th\u1ec3, c\u00f3 4 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n, 13 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u01b0a tri\u1ec3n khai \u0111\u00fang tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c, c\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m do C\u00f4ng ty Prudential VN quy \u0111\u1ecbnh. C\u00f3 3 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n, 3 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd thu ph\u00ed b\u1ea3o hi\u1ec3m. C\u00f3 3 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n, 3 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u01b0a b\u1ea3o \u0111\u1ea3m ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, ch\u01b0a thu th\u1eadp ch\u00ednh x\u00e1c th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh t\u1eeb v\u1ea5n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng theo quy \u0111\u1ecbnh c\u1ee7a C\u00f4ng ty Prudential VN.<\/p>\n

Ngo\u00e0i ra, c\u00f3 10 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ch\u01b0a th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh v\u1ec1 s\u1eed d\u1ee5ng m\u00e3 s\u1ed1 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a C\u00f4ng ty Prudential VN. V\u1ec1 vi\u1ec7c ch\u1ea5p h\u00e0nh bi\u1ec3u ph\u00ed s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng, c\u00f4ng ty n\u00e0y \u00e1p d\u1ee5ng c\u00e1c y\u1ebfu t\u1ed1 tinh ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u00ednh x\u00e1c theo c\u01a1 s\u1edf k\u1ef9 thu\u1eadt v\u00e0 bi\u1ec3u phi \u0111\u00e3 \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh ph\u00ea chu\u1ea9n, d\u1eabn \u0111\u1ebfn t\u00ednh to\u00e1n kh\u00f4ng ch\u00ednh x\u00e1c v\u1ec1 s\u1ed1 ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a 112.209 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m thu\u1ed9c s\u1ea3n ph\u1ea9m BHNT t\u1eed k\u1ef3 v\u1edbi s\u1ed1 ti\u1ec1n gi\u1ea3m d\u1ea7n (B\u1ea3o T\u00edn Hung Gia), khai th\u00e1c qua C\u00f4ng ty t\u00e0i ch\u00ednh TNHH MTV Shinhan Vi\u1ec7t Nam trong n\u0103m 2021, vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 6, \u0110i\u1ec1u 39 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 73\/2016\/ND-CP.<\/p>\n

C\u0169ng theo KLTT, v\u1ec1 vi\u1ec7c khuy\u1ebfn m\u1ea1i cho kh\u00e1ch h\u00e0ng tham gia b\u1ea3o hi\u1ec3m, C\u00f4ng ty Prudential VN ban h\u00e0nh Th\u00f4ng b\u00e1o th\u1ef1c hi\u1ec7n khuy\u1ebfn m\u1ea1i s\u1ed1 PD05042021 ng\u00e0y 29\/3\/2021 g\u1eedi S\u1edf C\u00f4ng Th\u01b0\u01a1ng TP.\u0110\u00e0 N\u1eb5ng, c\u00f3 n\u1ed9i dung khuy\u1ebfn m\u1ea1i b\u1eb1ng ti\u1ec1n cho kh\u00e1ch h\u00e0ng, ch\u01b0a \u0111\u00fang quy \u0111\u1ecbnh t\u1ea1i Kho\u1ea3n 6, \u0110i\u1ec1u 39 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 73\/2016\/ N\u0110-CP. V\u1ec1 chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd li\u00ean quan \u0111\u1ebfn vi\u1ec7c b\u1ea3n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u00f4ng qua t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, C\u00f4ng ty Prudential VN h\u1ea1ch to\u00e1n c\u00e1c kho\u1ea3n chi ph\u00ed li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng bancass l\u00e0 chi ph\u00ed \u0111\u01b0\u1ee3c tr\u1eeb khi x\u00e1c \u0111\u1ecbnh thu nh\u1eadp ch\u1ecbu thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p n\u0103m 2021, ch\u01b0a \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 thu\u1ebf, v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n h\u01a1n 740,2 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

(C\u00f2n ti\u1ebfp)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

B\u00e0i vi\u1ebft g\u1ed1c: B\u00e0i 1: B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Prudential b\u00e1n b\u1ea3o hi\u1ec3m qua h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng B\u00e0i 1: B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd Prudential B\u00e1n B\u1ea3o Hi\u1ec3m Qua H\u00e0ng Lo\u1ea1t Ng\u00e2n H\u00e0ng Th\u1eddi gian qua, t\u00ecnh tr\u1ea1ng nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m t\u01b0 v\u1ea5n sai, nh\u1eadp nh\u00e8m, thi\u1ebfu minh b\u1ea1ch, r\u1ed3i n\u00f3i chuy\u1ec7n ng\u00e2n […]<\/p>\n","protected":false},"author":55,"featured_media":86239,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[],"tags":[],"_links":{"self":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts\/86205"}],"collection":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/users\/55"}],"replies":[{"embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/comments?post=86205"}],"version-history":[{"count":7,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts\/86205\/revisions"}],"predecessor-version":[{"id":86278,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/posts\/86205\/revisions\/86278"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/media\/86239"}],"wp:attachment":[{"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/media?parent=86205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/categories?post=86205"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/corporatecounsels.vn\/vi\/wp-json\/wp\/v2\/tags?post=86205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}