{"id":18127,"date":"2024-09-19T17:24:24","date_gmt":"2024-09-19T22:24:24","guid":{"rendered":"https:\/\/bolttech.io\/insight\/suy-thoai-kinh-te-co-the-anh-huong-den-cac-hang-bao-hiem-va-dai-ly-nhu-the-nao\/"},"modified":"2024-09-19T17:24:32","modified_gmt":"2024-09-19T22:24:32","slug":"suy-thoai-kinh-te-co-the-anh-huong-den-cac-hang-bao-hiem-va-dai-ly-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/suy-thoai-kinh-te-co-the-anh-huong-den-cac-hang-bao-hiem-va-dai-ly-nhu-the-nao\/","title":{"rendered":"Suy tho\u00e1i kinh t\u1ebf c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n

Sau khi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf m\u1ea1nh m\u1ebd v\u00e0o n\u0103m 2021, l\u1ea1m ph\u00e1t gia t\u0103ng \u0111\u00e3 khi\u1ebfn c\u00e1c cu\u1ed9c \u0111\u1ed1i tho\u1ea1i kinh t\u1ebf h\u01b0\u1edbng t\u1edbi nh\u1eefng lo ng\u1ea1i v\u1ec1 m\u1ed9t cu\u1ed9c suy tho\u00e1i s\u1eafp t\u1edbi, n\u1ebfu kh\u00f4ng mu\u1ed1n n\u00f3i l\u00e0 m\u1ed9t cu\u1ed9c suy tho\u00e1i ho\u00e0n to\u00e0n.\n\u0110\u1ed1i v\u1edbi c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u01a1 quan, s\u1ef1 b\u1ea5t \u1ed5n kinh t\u1ebf quay tr\u1edf l\u1ea1i cu\u1ed1i nh\u1eefng n\u0103m 2000 – v\u00e0 n\u00f3 \u0111e d\u1ecda s\u1ef1 t\u0103ng tr\u01b0\u1edfng k\u1ef7 l\u1ee5c trong m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong. <\/p>\n\n

C\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd \u0111\u00e3 v\u01b0\u1ee3t qua cu\u1ed9c suy tho\u00e1i n\u0103m 2008 \u0111\u00e3 h\u1ecdc \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 b\u00e0i h\u1ecdc t\u1eeb kinh nghi\u1ec7m n\u00e0y.\nNhi\u1ec1u b\u00e0i h\u1ecdc trong s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ec3 cung c\u1ea5p kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i t\u1ed1t h\u01a1n v\u00e0 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd h\u01a1n khi \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 kinh t\u1ebf ng\u00e0y nay. <\/p>\n\n

D\u1ea5u hi\u1ec7u t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf ch\u1eadm l\u1ea1i<\/h2>\n\n

C\u00e1c nh\u00e0 ph\u00e2n t\u00edch kh\u00e1c nhau trong d\u1ef1 \u0111o\u00e1n c\u1ee7a h\u1ecd v\u1ec1 th\u1eddi \u0111i\u1ec3m ho\u1eb7c m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng c\u1ee7a suy tho\u00e1i kinh t\u1ebf.\nH\u1ea7u h\u1ebft \u0111\u1ec1u \u0111\u1ed3ng \u00fd v\u1ec1 m\u1ed9t \u0111i\u1ec1u: M\u1ed9t cu\u1ed9c suy tho\u00e1i \u0111ang \u0111\u1ebfn. <\/p>\n\n

“C\u00e1c d\u1ea5u hi\u1ec7u c\u1ee7a m\u1ed9t cu\u1ed9c suy tho\u00e1i s\u1eafp x\u1ea3y ra \u0111ang tr\u1edf n\u00ean r\u00f5 r\u00e0ng h\u01a1n, v\u1edbi ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng gi\u1ea3m, th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf c\u00f3 d\u1ea5u hi\u1ec7u suy tho\u00e1i v\u00e0 C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang th\u1eaft ch\u1eb7t m\u1ea1nh m\u1ebd”, Michael Cormier<\/a> vi\u1ebft trong PropertyCasualty360.<\/p>\n\n

D\u1ea5u hi\u1ec7u l\u1ea1m ph\u00e1t suy tho\u00e1i \u0111\u00e3 r\u00f5 r\u00e0ng \u1edf ch\u00e2u \u00c2u.\nT\u00ecnh tr\u1ea1ng thi\u1ebfu n\u0103ng l\u01b0\u1ee3ng do ch\u00e2u \u00c2u ph\u1ee5 thu\u1ed9c v\u00e0o ngu\u1ed3n cung c\u1ea5p d\u1ea7u v\u00e0 kh\u00ed \u0111\u1ed1t c\u1ee7a Nga \u0111ang g\u00e2y ra l\u1ea1m ph\u00e1t cao c\u00f9ng v\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf th\u1ea5p ho\u1eb7c \u00e2m, Kassandra Jimenez-Sanchez<\/a> vi\u1ebft tr\u00ean Reinsurance News.\nL\u1ea1m ph\u00e1t suy tho\u00e1i c\u00f3 th\u1ec3 l\u00e0 t\u1ed3i t\u1ec7 nh\u1ea5t c\u1ee7a c\u1ea3 hai th\u1ebf gi\u1edbi \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m: Kh\u00e1ch h\u00e0ng gi\u1ea3m ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd, gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m, trong khi chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u0103ng l\u00ean. <\/p>\n\n

L\u1ea1m ph\u00e1t th\u01b0\u1eddng xuy\u00ean \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.\nTuy nhi\u00ean, l\u1ea1m ph\u00e1t sau \u0111\u1ea1i d\u1ecbch \u0111\u00e3 c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ebfn c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.\n“Chi ph\u00ed v\u1eadt li\u1ec7u x\u00e2y d\u1ef1ng, ph\u1ee5 t\u00f9ng \u00f4 t\u00f4, xe cho thu\u00ea, d\u1ecbch v\u1ee5 y t\u1ebf v\u00e0 ph\u00e1p l\u00fd \u0111ang t\u0103ng v\u1edbi t\u1ed1c \u0111\u1ed9 th\u1eadm ch\u00ed c\u00f2n cao h\u01a1n gi\u00e1 ti\u00eau d\u00f9ng n\u00f3i chung”, gi\u00e1m \u0111\u1ed1c t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m Ugo Okpewho v\u00e0 Scott Cederburg<\/a> t\u1ea1i BDO vi\u1ebft.\nNh\u1eefng chi ph\u00ed n\u00e0y, th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh trong t\u1ed5ng chi ph\u00ed c\u1ee7a m\u1ed9t y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, c\u00f3 ngh\u0129a l\u00e0 gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 t\u0103ng nhanh h\u01a1n l\u1ea1m ph\u00e1t t\u1ed5ng th\u1ec3 – g\u00e2y th\u00eam \u00e1p l\u1ef1c cho c\u1ea3 h\u00e3ng v\u1eadn chuy\u1ec3n v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. <\/p>\n\n

Fernando Casanova Aizpun<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Swiss Re \u0111\u01b0a ra m\u1ed9t s\u1ed1 d\u1ef1 \u0111o\u00e1n v\u1ec1 t\u01b0\u01a1ng lai c\u1ee7a b\u1ea3o hi\u1ec3m trong k\u1ef7 nguy\u00ean l\u1ea1m ph\u00e1t cao v\u00e0 m\u1ed1i \u0111e d\u1ecda suy tho\u00e1i kinh t\u1ebf.\nCh\u00fang bao g\u1ed3m: <\/p>\n\n