{"id":18513,"date":"2024-09-19T19:41:25","date_gmt":"2024-09-20T00:41:25","guid":{"rendered":"https:\/\/bolttech.io\/insight\/cac-chinh-sach-bao-hiem-tham-so-giup-chong-gian-lan-nhu-the-nao\/"},"modified":"2024-09-19T19:41:30","modified_gmt":"2024-09-20T00:41:30","slug":"cac-chinh-sach-bao-hiem-tham-so-giup-chong-gian-lan-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/cac-chinh-sach-bao-hiem-tham-so-giup-chong-gian-lan-nhu-the-nao\/","title":{"rendered":"C\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tham s\u1ed1 gi\u00fap ch\u1ed1ng gian l\u1eadn nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n

C\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tham s\u1ed1, \u0111\u01b0\u1ee3c xem x\u00e9t t\u1eeb l\u00e2u v\u1edbi s\u1ef1 ho\u00e0i nghi, \u0111ang tr\u1edf th\u00e0nh c\u1ee7a ri\u00eang h\u1ecd nh\u1edd c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u ti\u00ean ti\u1ebfn.<\/p>\n\n

“Ngu\u1ed3n g\u1ed1c c\u1ee7a nh\u1eefng r\u1ee7i ro th\u1ea3m kh\u1ed1c ti\u1ec1m t\u00e0ng v\u00e0 kh\u1ea3 n\u0103ng \u0111\u1ecbnh l\u01b0\u1ee3ng ch\u00fang c\u1ee7a ch\u00fang ta \u0111ang thay \u0111\u1ed5i”, Michael W. Elliott<\/a>, gi\u00e1m \u0111\u1ed1c c\u1ea5p cao v\u1ec1 ngu\u1ed3n l\u1ef1c tri th\u1ee9c t\u1ea1i nh\u00e0 cung c\u1ea5p gi\u00e1o d\u1ee5c b\u1ea3o hi\u1ec3m The Institutes vi\u1ebft.\nNg\u00e0y nay, c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tham s\u1ed1 (ho\u1eb7c d\u1ef1a tr\u00ean ch\u1ec9 s\u1ed1) c\u00f3 \u00fd ngh\u0129a h\u01a1n v\u00ec ch\u00fang c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh hi\u1ec7u qu\u1ea3 h\u01a1n cho t\u1ed5n th\u1ea5t c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

C\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1<\/a> c\u0169ng cung c\u1ea5p m\u1ed9t c\u00e1ch m\u1edbi \u0111\u1ec3 ch\u1ed1ng gian l\u1eadn – v\u1eabn l\u00e0 m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong.<\/p>\n\n

T\u00ecnh tr\u1ea1ng gian l\u1eadn b\u1ea3o hi\u1ec3m<\/h2>\n\n

Gian l\u1eadn b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u1ed3n t\u1ea1i g\u1ea7n nh\u01b0 l\u00e2u nh\u01b0 ch\u00ednh b\u1ea3o hi\u1ec3m.\nKhi b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn trong m\u00f4i tr\u01b0\u1eddng c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p, kh\u00f4ng l\u00e2u tr\u01b0\u1edbc khi nh\u1eefng kh\u00e1ch h\u00e0ng v\u00f4 \u0111\u1ea1o \u0111\u1ee9c ngh\u0129 ra c\u00e1ch \u0111\u00e1nh l\u1eeba c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng kho\u1ea3n ti\u1ec1n kh\u00f4ng ki\u1ebfm \u0111\u01b0\u1ee3c. <\/p>\n\n

Ng\u00e0y nay, gian l\u1eadn b\u1ea3o hi\u1ec3m xu\u1ea5t hi\u1ec7n d\u01b0\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau, t\u1eeb l\u1eeba d\u1ed1i tinh vi v\u00e0 d\u1ed1i tr\u00e1 ho\u00e0n to\u00e0n \u0111\u1ebfn gian l\u1eadn “m\u1ec1m”, trong \u0111\u00f3 kh\u00e1ch h\u00e0ng tr\u00ecnh b\u00e0y kh\u00f4ng ch\u00ednh x\u00e1c t\u00ecnh hu\u1ed1ng c\u1ee7a h\u1ecd \u0111\u1ec3 gi\u1ea3m t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m, Shai Cohen<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p gian l\u1eadn to\u00e0n c\u1ea7u t\u1ea1i TransUnion cho bi\u1ebft.\nGian l\u1eadn k\u1ef9 thu\u1eadt s\u1ed1 ho\u1eb7c m\u1ea1ng \u0111\u00e3 gia t\u0103ng \u0111\u00e1ng k\u1ec3 khi internet \u0111\u00e3 tr\u1edf th\u00e0nh ph\u01b0\u01a1ng ti\u1ec7n ch\u00ednh m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng giao ti\u1ebfp, chia s\u1ebb, l\u01b0u tr\u1eef v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u. <\/p>\n\n

Nghi\u00ean c\u1ee9u c\u1ee7a TransUnion cho th\u1ea5y lo\u1ea1i gian l\u1eadn ph\u1ed5 bi\u1ebfn nh\u1ea5t v\u00e0o n\u0103m 2021 v\u00e0 2022 l\u00e0 gian l\u1eadn \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 nh\u1ea5t.\nTrong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y, kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng th\u00f4ng tin kh\u00f4ng ch\u00ednh x\u00e1c, sai l\u1ec7ch ho\u1eb7c b\u1ecb thao t\u00fang v\u1edbi m\u1ee5c ti\u00eau nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ed1t h\u01a1n v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n.\nGian l\u1eadn trong \u0111\u00f3 kh\u00e1ch h\u00e0ng tr\u00ecnh b\u00e0y sai t\u1ed5n th\u1ea5t c\u1ee7a h\u1ecd trong qu\u00e1 tr\u00ecnh khi\u1ebfu n\u1ea1i c\u0169ng x\u1ea3y ra. <\/p>\n\n

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

Ch\u00ednh s\u00e1ch tham s\u1ed1 nh\u01b0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ch\u1ed1ng gian l\u1eadn<\/h2>\n\n

C\u00e1c lo\u1ea1i \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn nh\u1ea5t v\u00e0 gian l\u1eadn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ed9t t\u00ednh n\u0103ng t\u1eeb l\u00e2u \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u1eb7c h\u1eefu c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m: nhu c\u1ea7u \u0111\u1ea7u v\u00e0o c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n

Trong gian l\u1eadn \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 nh\u1ea5t, kh\u00e1ch h\u00e0ng b\u00e1o c\u00e1o th\u00f4ng tin ch\u00ednh cho c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u1eb3ng h\u1ea1n nh\u01b0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n, v\u1ecb tr\u00ed v\u00e0 v\u1eadt li\u1ec7u c\u1ee7a n\u00f3.\nTrong gian l\u1eadn khi\u1ebfu n\u1ea1i c\u1ee7a b\u00ean th\u1ee9 nh\u1ea5t, kh\u00e1ch h\u00e0ng l\u1ea1i b\u00e1o c\u00e1o th\u00f4ng tin ch\u00ednh cho c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u1eb3ng h\u1ea1n nh\u01b0 lo\u1ea1i v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0 th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c \u0111\u00e1ng k\u1ec3 v\u00e0o vi\u1ec7c ki\u1ec3m tra k\u1ef9 c\u00e1c chi ti\u1ebft n\u00e0y.\nC\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1 c\u00f3 th\u1ec3 lo\u1ea1i b\u1ecf s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a nh\u1eefng n\u1ed7 l\u1ef1c n\u00e0y \u1edf m\u1ed9t m\u1ee9c \u0111\u1ed9 l\u1edbn b\u1eb1ng c\u00e1ch lo\u1ea1i b\u1ecf s\u1ef1 ph\u1ee5 thu\u1ed9c c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0o t\u00ednh to\u00e0n v\u1eb9n c\u1ee7a kh\u00e1ch h\u00e0ng khi cung c\u1ea5p th\u00f4ng tin. <\/p>\n\n

Ch\u00ednh s\u00e1ch tham s\u1ed1 \u0111\u1eb7t ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 ph\u00e1t h\u00e0nh thanh to\u00e1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u thay v\u00ec b\u00e1o c\u00e1o kh\u00e1ch h\u00e0ng.\nV\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m l\u0169 l\u1ee5t tham s\u1ed1 t\u00ednh to\u00e1n thi\u1ec7t h\u1ea1i do l\u0169 l\u1ee5t d\u1ef1a tr\u00ean s\u1ef1 g\u1ea7n g\u0169i c\u1ee7a t\u00f2a nh\u00e0 v\u1edbi l\u0169 l\u1ee5t, m\u1ee9c \u0111\u1ed9 nghi\u00eam tr\u1ecdng c\u1ee7a l\u0169 l\u1ee5t v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c.\nSau \u0111\u00f3, ch\u00ednh s\u00e1ch s\u1ebd k\u00edch ho\u1ea1t thanh to\u00e1n khi\u1ebfu n\u1ea1i d\u1ef1a tr\u00ean c\u00e1c ph\u00e9p \u0111o n\u00e0y. <\/p>\n\n

Trong ch\u00ednh s\u00e1ch l\u0169 l\u1ee5t tham s\u1ed1, s\u1ef1 trung th\u1ef1c c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng \u00edt quan tr\u1ecdng h\u01a1n nhi\u1ec1u.\nB\u1ea3o hi\u1ec3m kh\u00f4ng d\u1ef1a tr\u00ean b\u00e1o c\u00e1o c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 c\u00e1c k\u1ef9 thu\u1eadt ph\u00f2ng ch\u1ed1ng l\u0169 l\u1ee5t c\u1ee7a h\u1ecd, m\u00e0 d\u1ef1a tr\u00ean v\u1ecb tr\u00ed c\u1ee7a t\u00f2a nh\u00e0 v\u00e0 ti\u1ebfp x\u00fac v\u1edbi c\u00e1c ngu\u1ed3n l\u0169 l\u1ee5t.\nT\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, c\u00e1c khi\u1ebfu n\u1ea1i \u0111\u1ed1i v\u1edbi c\u00e1c ch\u00ednh s\u00e1ch nh\u01b0 v\u1eady c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u kh\u00e1c ngo\u00e0i kh\u00e1ch h\u00e0ng. <\/p>\n\n

“\u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m tham s\u1ed1, c\u00e1c tuy\u00ean b\u1ed1 gian l\u1eadn l\u00e0 g\u1ea7n nh\u01b0 kh\u00f4ng th\u1ec3 v\u00ec k\u00edch ho\u1ea1t d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1ee7a b\u00ean th\u1ee9 ba”, Henry Gale<\/a>, m\u1ed9t nh\u00e0 ph\u00e2n t\u00edch nghi\u00ean c\u1ee9u t\u1ea1i Instech vi\u1ebft.\nGale tr\u00edch d\u1eabn c\u00e1c ch\u00ednh s\u00e1ch \u0111\u1ed9ng \u0111\u1ea5t l\u00e0m v\u00ed d\u1ee5.\nCh\u00ednh s\u00e1ch tham s\u1ed1 cho thi\u1ec7t h\u1ea1i do \u0111\u1ed9ng \u0111\u1ea5t c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng gi\u1ea3i ph\u00f3ng c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng d\u1eef li\u1ec7u nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c c\u01a1 quan \u0111\u1ecba ch\u1ea5t li\u00ean bang – kh\u00f4ng ph\u1ea3i t\u1eeb kh\u00e1ch h\u00e0ng.\nDo \u0111\u00f3, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 c\u00e1ch n\u00e0o \u0111\u1ec3 b\u00e1o c\u00e1o th\u00f4ng tin kh\u00f4ng ch\u00ednh x\u00e1c ho\u1eb7c sai l\u1ec7ch, v\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng bao gi\u1edd c\u1ea7n \u0111\u1ea7u v\u00e0o c\u1ee7a h\u1ecd. <\/p>\n\n

“T\u00f4i c\u00f3 th\u1ec3 nh\u00ecn th\u1ea5y m\u1ed9t t\u01b0\u01a1ng lai, v\u1ec1 l\u00fd thuy\u1ebft, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u th\u1eddi gian th\u1ef1c \u0111\u1ec3 t\u1ea1o ra m\u1ed9t gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m tham s\u1ed1 cho b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec. \u0110i\u1ec1u n\u00e0y nghe c\u00f3 v\u1ebb gi\u1ed1ng nh\u01b0 khoa h\u1ecdc vi\u1ec5n t\u01b0\u1edfng nh\u01b0ng v\u1ec1 m\u1eb7t th\u1ef1c t\u1ebf, s\u1ebd c\u00f3 \u0111\u1ee7 d\u1eef li\u1ec7u”, Eric Schuh<\/a>, gi\u00e1m \u0111\u1ed1c b\u1ea3o hi\u1ec3m v\u00e0 gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh t\u1ea1i Element Insurance cho bi\u1ebft.\nTrong t\u01b0\u01a1ng lai khoa h\u1ecdc vi\u1ec5n t\u01b0\u1edfng n\u00e0y, d\u1eef li\u1ec7u kh\u00e1ch quan v\u00e0 \u0111\u00e1ng tin c\u1eady c\u0169ng c\u00f3 th\u1ec3 tho\u00e1t kh\u1ecfi ng\u00e0nh c\u00f4ng nghi\u1ec7p gian l\u1eadn b\u1ea3o hi\u1ec3m. <\/p>\n\n

\u1ea2nh: khunaspix\/\u00a9123RF.com, giggsy25\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tham s\u1ed1, \u0111\u01b0\u1ee3c xem x\u00e9t t\u1eeb l\u00e2u v\u1edbi s\u1ef1 ho\u00e0i nghi, \u0111ang tr\u1edf th\u00e0nh c\u1ee7a ri\u00eang h\u1ecd nh\u1edd c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u ti\u00ean ti\u1ebfn. “Ngu\u1ed3n g\u1ed1c c\u1ee7a nh\u1eefng r\u1ee7i ro th\u1ea3m kh\u1ed1c ti\u1ec1m t\u00e0ng v\u00e0 kh\u1ea3 n\u0103ng \u0111\u1ecbnh l\u01b0\u1ee3ng ch\u00fang c\u1ee7a ch\u00fang ta \u0111ang thay \u0111\u1ed5i”, Michael […]<\/p>\n","protected":false},"featured_media":11820,"template":"","insight-category":[],"class_list":["post-18513","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18513","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/11820"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18513"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}