{"id":18909,"date":"2024-09-19T23:21:19","date_gmt":"2024-09-20T04:21:19","guid":{"rendered":"https:\/\/bolttech.io\/insight\/mampa-dang-thay-doi-cuc-dien-bao-hiem-nhu-the-nao\/"},"modified":"2024-09-19T23:21:23","modified_gmt":"2024-09-20T04:21:23","slug":"mampa-dang-thay-doi-cuc-dien-bao-hiem-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/mampa-dang-thay-doi-cuc-dien-bao-hiem-nhu-the-nao\/","title":{"rendered":"M&amp;ampA \u0111ang thay \u0111\u1ed5i c\u1ee5c di\u1ec7n b\u1ea3o hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"\n<p>S\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ea1nh trong hai n\u0103m qua b\u1ea5t ch\u1ea5p \u0111\u1ea1i d\u1ecbch to\u00e0n c\u1ea7u.\nV\u00e0o n\u0103m 2021, &#8220;t\u00e2m l\u00fd nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 \u1edf h\u1ea7u h\u1ebft c\u00e1c khu v\u1ef1c khi c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m c\u01b0\u1ee1i tr\u00ean l\u00e0n s\u00f3ng t\u0103ng gi\u00e1 tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c d\u00f2ng s\u1ea3n ph\u1ea9m \u0111\u1ec3 t\u1ea1o ra s\u1ef1 t\u0103ng tr\u01b0\u1edfng h\u00e0ng \u0111\u1ea7u l\u00e0nh m\u1ea1nh&#8221;, lu\u1eadt s\u01b0 b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2022\/02\/15\/654086.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Ivor Edwards<\/a>, \u0111\u1ed1i t\u00e1c t\u1ea1i Clyde &amp;Co, cho bi\u1ebft. <\/p>\n\n<p>L\u00e0n s\u00f3ng n\u00e0y ti\u1ebfp t\u1ee5c k\u00e9o d\u00e0i sang n\u0103m 2022, th\u00fac \u0111\u1ea9y nh\u1eefng thay \u0111\u1ed5i trong to\u00e0n ng\u00e0nh b\u1ea3o hi\u1ec3m.\nHi\u1ec3u \u0111\u01b0\u1ee3c c\u00e1c xu h\u01b0\u1edbng li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ef1c hi\u1ec7n th\u01b0\u01a1ng v\u1ee5 M&amp;ampA c\u00f3 th\u1ec3 gi\u00fap c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd l\u1eadp k\u1ebf ho\u1ea1ch cho t\u01b0\u01a1ng lai. <\/p>\n\n<h2 class=\"wp-block-heading\">Ti\u1ebfn \u0111\u1ed9 M&amp;ampA n\u0103m 2021 v\u00e0 2022<\/h2>\n\n<p>S\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i gi\u1eefa t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty th\u1ef1c hi\u1ec7n giao d\u1ecbch \u0111\u1ea1t \u0111\u1ebfn t\u1ea7m cao m\u1edbi v\u00e0o n\u0103m 2021.\nKho\u1ea3ng 8.624 giao d\u1ecbch tr\u1ecb gi\u00e1 1,2 ngh\u00ecn t\u1ef7 USD c\u1ed9ng l\u1ea1i \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ed1t v\u00e0o n\u0103m 2021, theo m\u1ed9t b\u00e0i b\u00e1o c\u1ee7a <a href=\"https:\/\/www.natlawreview.com\/article\/2021-ma-overview-and-2022-ma-outlook\" target=\"_blank\" rel=\"noreferrer noopener\">Michael E. Hollingsworth II, Katelyn Fredericks v\u00e0 Stephen Poydasheff<\/a> tr\u00ean The National Law Review. <\/p>\n\n<p>M\u1eb7c d\u00f9 kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch n\u00e0y \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u01b0ng nhi\u1ec1u giao d\u1ecbch \u0111\u00e3 l\u00e0m.\n&#8220;B\u1ea3o hi\u1ec3m chi\u1ebfm h\u01a1n m\u1ed9t n\u1eeda s\u1ed1 giao d\u1ecbch PE [private equity] trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh&#8221;, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/creating-value-in-us-insurance-investing\" target=\"_blank\" rel=\"noreferrer noopener\">Ramnath Balasubramanian<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey vi\u1ebft.\nS\u1ef1 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i b\u1ea3o hi\u1ec3m ph\u00e1t sinh t\u1eeb gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 mong mu\u1ed1n ph\u00e1t tri\u1ec3n c\u00e1c ngu\u1ed3n gi\u00e1 tr\u1ecb m\u1edbi, ngay c\u1ea3 khi to\u00e0n ng\u00e0nh thay \u0111\u1ed5i v\u1edbi t\u1ed1c \u0111\u1ed9 ch\u1eadm h\u01a1n so v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c c\u00f3 xu h\u01b0\u1edbng l\u00e0m.  <\/p>\n\n<p>Nh\u00ecn chung, c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u0169ng tham gia th\u1ef1c hi\u1ec7n c\u00e1c th\u01b0\u01a1ng v\u1ee5 M&amp;A trong n\u0103m 2021 v\u1edbi t\u1ed1c \u0111\u1ed9 nhanh h\u01a1n so v\u1edbi c\u00e1c n\u0103m tr\u01b0\u1edbc.\nCh\u1ec9 ri\u00eang trong ph\u00e2n ph\u1ed1i m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m, n\u0103m 2021 l\u00e0 m\u1ed9t n\u0103m l\u1eadp k\u1ef7 l\u1ee5c, v\u1edbi 923 giao d\u1ecbch \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, <a href=\"https:\/\/www.marshberry.com\/resource\/insurance-brokerage-market-sets-new-ma-highs-in-2021\/\" target=\"_blank\" rel=\"noreferrer noopener\">Phil Trem<\/a>, ch\u1ee7 t\u1ecbch t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh t\u1ea1i MarshBerry vi\u1ebft. <\/p>\n\n<p>Trem kh\u00f4ng d\u1ef1 \u0111o\u00e1n r\u1eb1ng n\u0103m 2022 s\u1ebd ph\u00e1 v\u1ee1 k\u1ef7 l\u1ee5c c\u1ee7a n\u0103m 2021.\nTuy nhi\u00ean, n\u0103m 2022 d\u1ef1 ki\u1ebfn s\u1ebd c\u00f3 kho\u1ea3ng 750 th\u01b0\u01a1ng v\u1ee5 M&amp;A ph\u00e2n ph\u1ed1i m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng con s\u1ed1 n\u0103m 2020. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/modern-office-buildings-1024x684.jpg\" alt=\"T&#xF2;a nh&#xE0; th&#xE0;nh ph&#x1ED1; Ph&#x1ED1; &#x110;&#xF4;ng Th&#x1B0;&#x1EE3;ng H&#x1EA3;i\" class=\"wp-image-10977\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">C\u00e1c xu h\u01b0\u1edbng ch\u00ednh trong giao d\u1ecbch b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>C\u00e1c th\u01b0\u01a1ng v\u1ee5 mua b\u00e1n v\u00e0 s\u00e1p nh\u1eadp b\u1ea3o hi\u1ec3m trong n\u0103m 2021 c\u00f3 xu h\u01b0\u1edbng t\u1eadp trung v\u00e0o hai l\u0129nh v\u1ef1c ch\u00ednh: c\u00f4ng ngh\u1ec7 v\u00e0 m\u00f4i tr\u01b0\u1eddng.\nC\u00e1c giao d\u1ecbch \u0111ang \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh v\u00e0o n\u0103m 2022 c\u0169ng theo m\u1ed9t m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1, cho th\u1ea5y nh\u1eefng ch\u1ee7 \u0111\u1ec1 n\u00e0y s\u1ebd v\u1eabn l\u00e0 tr\u1ecdng t\u00e2m ch\u00ednh c\u1ee7a c\u00e1c th\u01b0\u01a1ng v\u1ee5 M&amp;ampA \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong nh\u1eefng th\u00e1ng t\u1edbi. <\/p>\n\n<h3 class=\"wp-block-heading\">C\u00f4ng ngh\u1ec7<\/h3>\n\n<p>V\u00e0o n\u0103m 2021, c\u00f4ng ngh\u1ec7 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 trong 30% t\u1ed5ng s\u1ed1 v\u1ee5 s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i m\u00e0 c\u00e1c c\u00f4ng ty M\u1ef9 theo \u0111u\u1ed5i.\nNh\u1eefng th\u1ecfa thu\u1eadn n\u00e0y bao g\u1ed3m c\u1ea3 c\u00e1c c\u00f4ng ty chuy\u00ean v\u1ec1 c\u00f4ng ngh\u1ec7 v\u00e0 c\u00e1c c\u00f4ng ty phi c\u00f4ng ngh\u1ec7 \u0111ang t\u00ecm c\u00e1ch c\u1ea3i thi\u1ec7n c\u00e1ch ti\u1ebfp c\u1eadn c\u00f4ng ngh\u1ec7 c\u1ee7a h\u1ecd, <a href=\"https:\/\/www.jdsupra.com\/legalnews\/m-a-in-2021-and-trends-for-2022-8279640\/\" target=\"_blank\" rel=\"noreferrer noopener\">Charles Capito<\/a> v\u00e0 c\u00e1c t\u00e1c gi\u1ea3 \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Morrison Foerster vi\u1ebft. <\/p>\n\n<p>C\u00e1c giao d\u1ecbch M&amp;A trong \u0111\u00f3 m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp mua l\u1ea1i m\u1ed9t c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u00e3 di\u1ec5n ra trong v\u00e0i n\u0103m.\nTrong n\u0103m 2022 v\u00e0 nh\u1eefng n\u0103m t\u1edbi, m\u00f4 h\u00ecnh n\u00e0y s\u1ebd thay \u0111\u1ed5i \u0111\u1ec3 bao g\u1ed3m kh\u00f4ng ch\u1ec9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp mua l\u1ea1i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u1edfi nghi\u1ec7p, m\u00e0 c\u1ea3 c\u00e1c c\u00f4ng ty insurtech s\u00e1p nh\u1eadp ho\u1eb7c mua l\u1ea1i nhau, <a href=\"https:\/\/www.clydeco.com\/en\/insights\/2021\/12\/insurtech-m-a-dealmaking-will-rise-to-new-heights\" target=\"_blank\" rel=\"noreferrer noopener\">d\u1ef1 \u0111o\u00e1n Vikram Sidhu<\/a>, m\u1ed9t \u0111\u1ed1i t\u00e1c t\u1ea1i Clyde &amp;Co. <\/p>\n\n<p>S\u1ef1 thay \u0111\u1ed5i trong m\u00f4 h\u00ecnh giao d\u1ecbch li\u00ean quan \u0111\u1ebfn insurtech di\u1ec5n ra khi ch\u00ednh c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m chuy\u1ec3n \u0111\u1ed5i t\u1eeb c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u1ee5n v\u1eb7t sang c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, \u0111\u00e1ng tin c\u1eady trong ng\u00e0nh b\u1ea3o hi\u1ec3m.\nT\u0103ng tr\u01b0\u1edfng \u1ed5n \u0111\u1ecbnh v\u00e0 h\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 d\u1ed3i d\u00e0o \u0111\u00e3 mang l\u1ea1i cho nhi\u1ec1u t\u1ed5 ch\u1ee9c n\u00e0y m\u1ed9t m\u00f4i tr\u01b0\u1eddng \u0111\u1ec3 tr\u1edf th\u00e0nh c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp.\nC\u00e1c c\u00f4ng ty n\u00e0y hi\u1ec7n \u0111ang t\u00ecm c\u00e1ch c\u1ea3i thi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ri\u00eang h\u1ecd v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c m\u1ee5c ti\u00eau kinh doanh th\u00f4ng qua s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i.  <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng t\u1eadp trung v\u00e0o vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch li\u00ean quan \u0111\u1ebfn c\u00f4ng ngh\u1ec7 nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, <a href=\"https:\/\/www.ey.com\/en_us\/insurance\/insurance-m-and-a-review-of-q1-2021-and-expectations-for-the-rest-of-the-year\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Spit<\/a> t\u1ea1i EY vi\u1ebft.\nS\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i v\u00e0 n\u00e2ng c\u1ea5p kh\u1ea3 n\u0103ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd \u0111\u1ec3 gi\u1ea3i quy\u1ebft nhu c\u1ea7u v\u00e0 s\u1edf th\u00edch c\u1ee7a kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3. <\/p>\n\n<h3 class=\"wp-block-heading\">Kh\u00ed h\u1eadu v\u00e0 M\u00f4i tr\u01b0\u1eddng<\/h3>\n\n<p>Nhu c\u1ea7u gi\u1ea3i quy\u1ebft c\u00e1c m\u1ed1i quan t\u00e2m v\u1ec1 kh\u00ed h\u1eadu to\u00e0n c\u1ea7u c\u0169ng \u0111ang th\u00fac \u0111\u1ea9y xu h\u01b0\u1edbng trong vi\u1ec7c giao d\u1ecbch b\u1ea3o hi\u1ec3m.\nM\u1ed9t trong nh\u1eefng \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y th\u01b0\u01a1ng v\u1ee5 M&amp;ampA v\u00e0o n\u0103m 2022 c\u00f3 th\u1ec3 s\u1ebd l\u00e0 &#8220;c\u00e1c c\u00f4ng ty ch\u1ecbu \u00e1p l\u1ef1c l\u00e0m cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a h\u1ecd xanh h\u01a1n b\u1eb1ng c\u00e1ch s\u0103n l\u00f9ng c\u00e1c m\u1ee5c ti\u00eau c\u00f3 th\u00f4ng tin kh\u00ed h\u1eadu ph\u00f9 h\u1ee3p&#8221;, <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2022\/01\/07\/648470.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jana Mercereau<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn t\u01b0 v\u1ea5n M&amp;ampA doanh nghi\u1ec7p, V\u01b0\u01a1ng qu\u1ed1c Anh, t\u1ea1i Willis Towers Watson cho bi\u1ebft. <\/p>\n\n<p>Mercereau n\u00f3i r\u1eb1ng kh\u1eed cacbon v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro kh\u00ed h\u1eadu s\u1ebd l\u00e0 m\u1ed1i quan t\u00e2m ch\u00ednh \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong nh\u1eefng n\u0103m t\u1edbi.\nM\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u00e3 s\u1eed d\u1ee5ng giao d\u1ecbch M&amp;ampA \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng lo ng\u1ea1i n\u00e0y v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c c\u1ea3i thi\u1ec7n c\u00e1ch ti\u1ebfp c\u1eadn m\u00f4i tr\u01b0\u1eddng c\u1ee7a h\u1ecd b\u1eb1ng c\u00e1ch tham gia c\u00e1c th\u1ecfa thu\u1eadn s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang b\u1eaft \u0111\u1ea7u xem x\u00e9t l\u1ea1i vi\u1ec7c th\u1ef1c hi\u1ec7n M&amp;A v\u1ec1 nh\u1eefng r\u1ee7i ro m\u00e0 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu to\u00e0n c\u1ea7u v\u00e0 th\u1ea3m h\u1ecda m\u00f4i tr\u01b0\u1eddng g\u00e2y ra cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ch\u00ednh h\u1ecd.\n&#8220;Qu\u1ea3n l\u00fd m\u1ed9t lo\u1ea1t c\u00e1c m\u1ed1i quan t\u00e2m v\u1ec1 m\u00f4i tr\u01b0\u1eddng, x\u00e3 h\u1ed9i v\u00e0 qu\u1ea3n tr\u1ecb \u0111ang tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong c\u00e1ch [insurance] ng\u00e0nh kinh doanh&#8221;, <a href=\"https:\/\/www.businessinsurance.com\/article\/20210712\/NEWS06\/912342937\/Insurance-sector-looks-inward-on-climate,-governance-issues\" target=\"_blank\" rel=\"noreferrer noopener\">Claire Wilkinson<\/a> vi\u1ebft trong B\u1ea3o hi\u1ec3m kinh doanh. <\/p>\n\n<p>V\u00ed d\u1ee5, khi c\u00e1c y\u1ebfu t\u1ed1 kh\u00ed h\u1eadu thay \u0111\u1ed5i, m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n tr\u1edf n\u00ean kh\u00f3 kh\u0103n ho\u1eb7c kh\u00f4ng th\u1ec3 b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www2.deloitte.com\/nz\/en\/blog\/financial-services\/2021\/trends-and-drivers-impacting-insurance-mergers-acquisitions.html\" target=\"_blank\" rel=\"noreferrer noopener\">Lee-Ann Du Toit<\/a> t\u1ea1i Deloitte l\u01b0u \u00fd.\nThay \u0111\u1ed5i m\u00f4 h\u00ecnh h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong theo nh\u1eefng c\u00e1ch c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft hi\u1ec7u qu\u1ea3 &#8211; ho\u1eb7c tr\u1edf n\u00ean t\u1ed3i t\u1ec7 h\u01a1n &#8211; b\u1eb1ng c\u00e1ch th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch M&amp;A.\nS\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i, \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch chu \u0111\u00e1o, c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh c\u00f4ng d\u00e2n m\u00f4i tr\u01b0\u1eddng to\u00e0n c\u1ea7u t\u1ed1t h\u01a1n \u0111\u1ed3ng th\u1eddi gi\u00fap h\u1ecd chu\u1ea9n b\u1ecb v\u00e0 th\u00edch \u1ee9ng v\u1edbi c\u00e1c t\u00e1c \u0111\u1ed9ng c\u1ee7a s\u1ef1 thay \u0111\u1ed5i m\u00f4i tr\u01b0\u1eddng \u0111ang di\u1ec5n ra.  <\/p>\n\n<p>Thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7 v\u00e0 m\u1ed1i quan t\u00e2m v\u1ec1 m\u00f4i tr\u01b0\u1eddng l\u00e0 nh\u1eefng ch\u1ee7 \u0111\u1ec1 ch\u00ednh trong tin t\u1ee9c v\u00e0 x\u00e3 h\u1ed9i, v\u00ec v\u1eady kh\u00f4ng c\u00f3 g\u00ec ng\u1ea1c nhi\u00ean khi ch\u00fang v\u1eabn l\u00e0 t\u00e2m tr\u00ed h\u00e0ng \u0111\u1ea7u trong kinh doanh.\nTrong nh\u1eefng th\u00e1ng t\u1edbi, ng\u00e0nh b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1ebd ch\u1ee9ng ki\u1ebfn nhi\u1ec1u v\u1ee5 s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i t\u1eadp trung v\u00e0o c\u00f4ng ngh\u1ec7, m\u00f4i tr\u01b0\u1eddng ho\u1eb7c c\u1ea3 hai. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/city-park-skyline-1024x678.jpg\" alt=\"C&#xF4;ng vi&#xEA;n Trung t&#xE2;m, Manhattan, Th&#xE0;nh ph&#x1ED1; New York\" class=\"wp-image-10997\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/city-park-skyline-1024x678.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/city-park-skyline-300x199.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/city-park-skyline-768x509.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/city-park-skyline.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec1u g\u00ec ph\u00eda tr\u01b0\u1edbc cho M&amp;ampA b\u1ea3o hi\u1ec3m?<\/h2>\n\n<p>M\u1eb7c d\u00f9 vi\u1ec7c th\u1ef1c hi\u1ec7n giao d\u1ecbch d\u1ef1 ki\u1ebfn s\u1ebd v\u1eabn m\u1ea1nh m\u1ebd v\u00e0o n\u0103m 2022, nh\u01b0ng v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c nh\u1ea5t \u0111\u1ecbnh.<\/p>\n\n<p>M\u1ed9t trong nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y n\u1eb1m \u1edf vi\u1ec7c t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho ch\u00ednh th\u1ecfa thu\u1eadn.\nV\u00ed d\u1ee5, s\u1ef1 quan t\u00e2m \u0111\u1ebfn b\u1ea3o hi\u1ec3m \u0111\u1ea1i di\u1ec7n v\u00e0 b\u1ea3o h\u00e0nh cho c\u00e1c giao d\u1ecbch M&amp;ampA \u0111\u00e3 t\u0103ng l\u00ean.\n&#8220;\u1ede c\u1ea3 Canada v\u00e0 M\u1ef9, ch\u00fang t\u00f4i \u0111ang th\u1ea5y g\u1ea7n 75% c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n ho\u1eb7c c\u00e1c th\u01b0\u01a1ng v\u1ee5 M&amp;ampA t\u01b0 nh\u00e2n s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m n\u00e0y \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a h\u1ecd&#8221;, <a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/ma\/manda-insurance--what-to-expect-in-2022-321794.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Jason Stone<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u1ed1n c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n v\u00e0 s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i t\u1ea1i BMS Group cho bi\u1ebft.  <\/p>\n\n<p>Stone c\u0169ng d\u1ef1 \u0111o\u00e1n r\u1eb1ng nhu c\u1ea7u gia t\u0103ng \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd m\u1ea1ng s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i, c\u1ea3 trong ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c n\u01a1i kh\u00e1c.\nKhi th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean c\u1ee9ng r\u1eafn, c\u00e1c c\u00f4ng ty quan t\u00e2m \u0111\u1ebfn vi\u1ec7c giao d\u1ecbch c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n h\u01a1n trong vi\u1ec7c t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd c\u1ea7n cho c\u00e1c r\u1ee7i ro m\u1ea1ng. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c th\u01b0\u01a1ng v\u1ee5 M&amp;A.\nNh\u01b0 <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/a-better-approach-to-m-and-a-in-north-american-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Cristain Boldan<\/a> v\u00e0 c\u00e1c t\u00e1c gi\u1ea3 McKinsey l\u01b0u \u00fd, c\u00e1c giao d\u1ecbch M&amp;ampA l\u1edbn r\u1ea5t th\u00fa v\u1ecb, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng t\u1ea1o ra gi\u00e1 tr\u1ecb t\u1ed1t nh\u1ea5t cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c c\u1ed5 \u0111\u00f4ng c\u1ee7a h\u1ecd. <\/p>\n\n<p>Boldan v\u00e0 nh\u00f3m McKinsey \u0111\u00e3 ph\u00e2n t\u00edch 173 giao d\u1ecbch b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1eeb n\u0103m 2007 \u0111\u1ebfn n\u0103m 2021 v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb 136 t\u1ef7 USD.\nH\u1ecd ph\u00e1t hi\u1ec7n ra r\u1eb1ng c\u00e1c giao d\u1ecbch nh\u1ecf c\u00f3 kh\u1ea3 n\u0103ng v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c giao d\u1ecbch l\u1edbn h\u01a1n khi n\u00f3i \u0111\u1ebfn t\u1ed5ng l\u1ee3i nhu\u1eadn c\u1ee7a c\u1ed5 \u0111\u00f4ng.\n\u0110a d\u1ea1ng h\u00f3a s\u1ea3n ph\u1ea9m mang l\u1ea1i hi\u1ec7u su\u1ea5t v\u01b0\u1ee3t tr\u1ed9i t\u1ed1t h\u01a1n so v\u1edbi c\u00e1c ph\u01b0\u01a1ng ph\u00e1p kh\u00e1c; M\u1edf r\u1ed9ng \u0111\u1ecba l\u00fd ho\u1ea1t \u0111\u1ed9ng k\u00e9m.  <\/p>\n\n<p>Trong n\u0103m 2022 v\u00e0 nh\u1eefng n\u0103m t\u1edbi, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 ch\u00ednh nh\u01b0 n\u0103ng l\u1ef1c c\u00f4ng ngh\u1ec7 v\u00e0 c\u00e1c m\u1ed1i quan t\u00e2m v\u1ec1 m\u00f4i tr\u01b0\u1eddng s\u1ebd chuy\u1ec3n sang c\u00f9ng ng\u00e0nh khi \u0111\u1ecbnh h\u00ecnh l\u1ea1i t\u01b0\u01a1ng lai th\u00f4ng qua vi\u1ec7c giao d\u1ecbch.\nNh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 s\u1eb5n s\u00e0ng cho nh\u1eefng th\u00e1ch th\u1ee9c nh\u01b0 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd m\u1ea1ng v\u00e0 \u0111i\u1ec1u ch\u1ec9nh c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch s\u1ebd \u0111\u1ecbnh v\u1ecb b\u1ea3n th\u00e2n cho c\u00e1c v\u1ee5 s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i th\u00e0nh c\u00f4ng h\u01a1n. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: slidezero\/\u00a9123RF.com, zorabc\/\u00a9123RF.com, bwzenith\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ea1nh trong hai n\u0103m qua b\u1ea5t ch\u1ea5p \u0111\u1ea1i d\u1ecbch to\u00e0n c\u1ea7u. V\u00e0o n\u0103m 2021, &#8220;t\u00e2m l\u00fd nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 \u1edf h\u1ea7u h\u1ebft c\u00e1c khu v\u1ef1c khi c\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m c\u01b0\u1ee1i tr\u00ean l\u00e0n s\u00f3ng t\u0103ng gi\u00e1 tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c d\u00f2ng s\u1ea3n [&hellip;]<\/p>\n","protected":false},"featured_media":10996,"template":"","insight-category":[],"class_list":["post-18909","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18909","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\/10996"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18909"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18909"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}