{"id":19481,"date":"2024-09-20T09:40:28","date_gmt":"2024-09-20T14:40:28","guid":{"rendered":"https:\/\/bolttech.io\/insight\/cac-chien-luoc-bao-hiem-pc-tien-tien-de-quan-ly-khach-hang-co-gia-tri-rong-cao\/"},"modified":"2024-09-20T09:40:32","modified_gmt":"2024-09-20T14:40:32","slug":"cac-chien-luoc-bao-hiem-pc-tien-tien-de-quan-ly-khach-hang-co-gia-tri-rong-cao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/cac-chien-luoc-bao-hiem-pc-tien-tien-de-quan-ly-khach-hang-co-gia-tri-rong-cao\/","title":{"rendered":"C\u00e1c chi\u1ebfn l\u01b0\u1ee3c b\u1ea3o hi\u1ec3m P&C ti\u00ean ti\u1ebfn \u0111\u1ec3 qu\u1ea3n l\u00fd kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao"},"content":{"rendered":"\n

C\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao th\u01b0\u1eddng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng r\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o.\nM\u1eb7c d\u00f9 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd, nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c l\u0129nh v\u1ef1c r\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o n\u00e0y. <\/p>\n\n

R\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o \u0111\u00f2i h\u1ecfi nh\u1eefng hi\u1ec3u bi\u1ebft \u0111\u1ed9c \u0111\u00e1o v\u1ec1 c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong, n\u01a1i b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p c\u00f3 th\u1ec3 giao nhau cho c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro c\u1ee5 th\u1ec3<\/a> m\u00e0 c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao ph\u1ea3i \u0111\u1ed1i m\u1eb7t \u0111\u01b0\u1ee3c trang b\u1ecb t\u1ed1t h\u01a1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft nhu c\u1ea7u c\u1ee7a h\u1ecd. <\/p>\n\n

Bao g\u1ed3m c\u00e1c nhu c\u1ea7u ri\u00eang c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao<\/h2>\n\n

C\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, m\u00f4i gi\u1edbi v\u00e0 h\u00e3ng v\u1eadn chuy\u1ec3n c\u00f3 th\u1ec3 x\u1eed l\u00fd h\u1ea7u h\u1ebft c\u00e1c nhu c\u1ea7u b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng, v\u00ec ph\u1ea7n l\u1edbn c\u00e1c giao d\u1ecbch mua b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c t\u00ecnh hu\u1ed1ng ph\u1ed5 bi\u1ebfn h\u00e0ng ng\u00e0y.\nTuy nhi\u00ean, \u0111\u1ed1i v\u1edbi nh\u1eefng c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao, vi\u1ec7c t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p c\u00f3 th\u1ec3 kh\u00f3 kh\u0103n, b\u1edfi v\u00ec nhu c\u1ea7u c\u1ee7a h\u1ecd n\u1eb1m ngo\u00e0i ph\u1ea1m vi c\u1ee7a nh\u1eefng th\u1ee9 m\u00e0 b\u1ea3o hi\u1ec3m h\u00e0ng ng\u00e0y c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft. <\/p>\n\n

“M\u1ed9t s\u1ed1 r\u1ee7i ro m\u00e0 b\u1ea3n th\u00e2n t\u00f4i v\u00e0 h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi trong n\u01b0\u1edbc kh\u00f4ng bao gi\u1edd ph\u1ea3i ngh\u0129 \u0111\u1ebfn ho\u1eb7c lo l\u1eafng l\u00e0 nhu c\u1ea7u l\u1edbn \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi n\u00e0y”, Hayden Kopser<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 ch\u1ee7 t\u1ecbch c\u1ee7a c\u00f4ng ty t\u01b0 v\u1ea5n r\u1ee7i ro v\u00e0 m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m North C\u1ea3i ti\u1ebfn cho bi\u1ebft.<\/p>\n\n

V\u00ed d\u1ee5, h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi M\u1ef9 c\u1ea7n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nTuy nhi\u00ean, c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 c\u1ea7n nhi\u1ec1u h\u01a1n ch\u00ednh s\u00e1ch ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c cung c\u1ea5p cho h\u1ea7u h\u1ebft c\u00e1c t\u00e0i x\u1ebf, l\u01b0u \u00fd c\u00e1c nh\u00e0 v\u0103n b\u1ea3o hi\u1ec3m Rachel Bodine v\u00e0 Leslie Kasperowicz<\/a>. <\/p>\n\n

Nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 c\u1ea7n b\u1ea3o hi\u1ec3m nhi\u1ec1u h\u01a1n v\u00ec h\u1ecd c\u00f3 nhi\u1ec1u th\u1ee9 \u0111\u1ec3 m\u1ea5t h\u01a1n, Bodine v\u00e0 Kasperowicz vi\u1ebft.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n c\u1ee7a truy\u1ec1n th\u00f4ng v\u00e0 x\u00e3 h\u1ed9i sau m\u1ed9t tai n\u1ea1n, \u0111\u1eb7c bi\u1ec7t n\u1ebfu c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao n\u1ed5i ti\u1ebfng ho\u1eb7c \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t h\u00ecnh m\u1eabu.\nNhu c\u1ea7u c\u1ee7a h\u1ecd sau tai n\u1ea1n c\u0169ng c\u00f3 th\u1ec3 kh\u00e1c nhau, \u0111\u1eb7c bi\u1ec7t n\u1ebfu ch\u1ea5n th\u01b0\u01a1ng li\u00ean quan ng\u0103n c\u1ea3n h\u1ecd l\u00e0m vi\u1ec7c.\nT\u1ea5t c\u1ea3 nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ec1u c\u00f3 l\u1ee3i cho vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 theo nhu c\u1ea7u c\u1ee7a m\u1ed9t ng\u01b0\u1eddi l\u00e1i xe c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao. <\/p>\n\n

Nhu c\u1ea7u \u0111\u1ed9c \u0111\u00e1o c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao kh\u00f4ng d\u1eebng l\u1ea1i v\u1edbi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ho\u1eb7c nh\u00e0 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i.\nNh\u1eefng c\u00e1 nh\u00e2n n\u00e0y c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c m\u00e0 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m P&C trung b\u00ecnh \u0111\u01a1n gi\u1ea3n l\u00e0 kh\u00f4ng ngh\u0129 \u0111\u1ebfn.\nV\u00ed d\u1ee5, m\u1ed9t gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi c\u00e1c s\u1ef1 ki\u1ec7n nh\u01b0 b\u1eaft c\u00f3c. <\/p>\n\n

“B\u1eaft c\u00f3c v\u00e0 \u0111\u00f2i ti\u1ec1n chu\u1ed9c l\u00e0 m\u1ed9t r\u1ee7i ro b\u1ea3o v\u1ec7 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao v\u00e0 gia \u0111\u00ecnh c\u1ee7a h\u1ecd, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi nh\u1eefng ng\u01b0\u1eddi gi\u00e0u c\u00f3 s\u1ed1ng m\u1ed9t l\u1ed1i s\u1ed1ng to\u00e0n c\u1ea7u h\u01a1n”, Sam Cargill<\/a>, ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh t\u1ea1i Aon Private Risk Management gi\u1ea3i th\u00edch.<\/p>\n\n

B\u1ea3o v\u1ec7 kh\u1ecfi tr\u1ed9m c\u1eafp, b\u1eaft c\u00f3c, gian l\u1eadn v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 t\u01b0\u01a1ng t\u1ef1 gi\u00fap gi\u1ea3i quy\u1ebft c\u00e1c r\u1ee7i ro ph\u00e1t sinh d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 nh\u00ecn th\u1ea5y c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao b\u1edfi nh\u1eefng ng\u01b0\u1eddi kh\u00e1c trong x\u00e3 h\u1ed9i.\nT\u00e0i s\u1ea3n c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 khuy\u1ebfn kh\u00edch m\u1ed9t s\u1ed1 c\u00e1 nh\u00e2n xem nh\u1eefng c\u00e1 nh\u00e2n n\u00e0y l\u00e0 m\u1ee5c ti\u00eau.\nV\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p, r\u1ee7i ro \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao t\u1eeb c\u00e1c b\u00ean th\u1ee9 ba v\u00f4 \u0111\u1ea1o \u0111\u1ee9c c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m b\u1edbt. <\/p>\n\n

Cu\u1ed1i c\u00f9ng, \u0111\u1eebng b\u1ecf qua t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao.\nX\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 t\u1eadp trung v\u00e0o nh\u1eefng th\u1ee9 v\u00f4 h\u00ecnh, ho\u1eb7c “t\u1eadp trung v\u00e0o kh\u00eda c\u1ea1nh c\u1ea3m x\u00fac v\u00e0 c\u00e1 nh\u00e2n c\u1ee7a qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n”, nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn Brian Parker<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i EP Wealth Advisors cho bi\u1ebft. <\/p>\n\n

D\u1eef li\u1ec7u ch\u1ec9 ra r\u1eb1ng b\u1eb1ng c\u00e1ch nu\u00f4i d\u01b0\u1ee1ng m\u1ed1i quan h\u1ec7 d\u1ef1a tr\u00ean nh\u1eefng t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh n\u00e0y, nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a m\u1ed1i quan h\u1ec7 c\u0169ng nh\u01b0 l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng.\nTrong m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Vanguard v\u00e0o th\u00e1ng 2 n\u0103m 2019, Francis M. Kinniry Jr.<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng hu\u1ea5n luy\u1ec7n h\u00e0nh vi b\u1ed5 sung 150 \u0111i\u1ec3m c\u01a1 b\u1ea3n gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng.\nK\u1ebft h\u1ee3p v\u1edbi c\u00e1c chi\u1ebfn l\u01b0\u1ee3c kh\u00e1c, hu\u1ea5n luy\u1ec7n h\u00e0nh vi \u0111\u00e3 gi\u00fap t\u1ea1o ra kho\u1ea3ng ba ph\u1ea7n tr\u0103m l\u1ee3i nhu\u1eadn r\u00f2ng. <\/p>\n\n

C\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c \u0111\u1ed9c \u0111\u00e1o, kh\u00f4ng ch\u1ec9 li\u00ean quan \u0111\u1ebfn c\u00e1ch h\u1ecd \u0111\u1ea7u t\u01b0 ho\u1eb7c s\u1eed d\u1ee5ng ti\u1ec1n c\u1ee7a h\u1ecd, m\u00e0 c\u00f2n li\u00ean quan \u0111\u1ebfn c\u00e1ch h\u1ecd \u0111\u01b0\u1ee3c ng\u01b0\u1eddi kh\u00e1c c\u1ea3m nh\u1eadn.\nB\u1ea3o v\u1ec7 nh\u1eefng c\u00e1 nh\u00e2n n\u00e0y kh\u1ecfi t\u1ed5n th\u1ea5t tr\u00ean c\u1ea3 hai m\u1eb7t tr\u1eadn c\u00f3 th\u1ec3 gi\u00fap thi\u1ebft l\u1eadp m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C v\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao. <\/p>\n\n

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

An ninh m\u1ea1ng v\u00e0 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u cho c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao<\/h2>\n\n

M\u1eb7c d\u00f9 c\u00e1c ch\u1ee7 doanh nghi\u1ec7p c\u00f3 th\u1ec3 ngh\u0129 \u0111\u1ebfn r\u1ee7i ro an ninh m\u1ea1ng v\u00e0 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u khi ch\u00fang li\u00ean quan \u0111\u1ebfn m\u1ed9t doanh nghi\u1ec7p, nh\u01b0ng c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 kh\u00f4ng nh\u1eadn ra r\u1eb1ng h\u1ecd c\u0169ng c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c b\u1ea3o v\u1ec7 an ninh m\u1ea1ng trong cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd.<\/p>\n\n

C\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng gia t\u0103ng trong \u0111\u1ea1i d\u1ecbch COVID-19 khi ng\u01b0\u1eddi lao \u0111\u1ed9ng chuy\u1ec3n t\u1eeb l\u00e0m vi\u1ec7c t\u1ea1i v\u0103n ph\u00f2ng sang l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0.\nC\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng b\u1ecb nh\u1eafm m\u1ee5c ti\u00eau h\u01a1n nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng kh\u00e1c: Theo m\u1ed9t nghi\u00ean c\u1ee9u<\/a> c\u1ee7a Chubb, kho\u1ea3ng 10% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao cho bi\u1ebft h\u1ecd b\u1ecb t\u1ea5n c\u00f4ng m\u1ea1ng khi l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0 trong th\u1eddi k\u1ef3 \u0111\u1ea1i d\u1ecbch, so v\u1edbi ba ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi n\u00f3i chung. <\/p>\n\n

“S\u1ed1 l\u01b0\u1ee3ng c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng c\u1ed1 g\u1eafng ho\u1eb7c th\u00e0nh c\u00f4ng ch\u1ed1ng l\u1ea1i c\u00e1c gia \u0111\u00ecnh \u0111\u00e3 t\u0103ng v\u1ecdt k\u1ec3 t\u1eeb th\u00e1ng Hai [2020], b\u1edfi v\u00ec nh\u1eefng k\u1ebb x\u1ea5u bi\u1ebft r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0”, Darren McGraw<\/a>, ch\u1ee7 t\u1ecbch c\u00f4ng ty t\u01b0 v\u1ea5n r\u1ee7i ro Mechelsen Private Client cho bi\u1ebft.\n“R\u1ea5t nhi\u1ec1u k\u1ebb x\u1ea5u bi\u1ebft r\u1eb1ng m\u1ea1ng gia \u0111\u00ecnh v\u00e0 th\u00f3i quen gia \u0111\u00ecnh, v\u00e0 c\u00e1ch ch\u00fang ta \u0111i\u1ec1u h\u00e0nh cu\u1ed9c s\u1ed1ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a m\u00ecnh l\u1ecfng l\u1ebbo h\u01a1n so v\u1edbi khi ch\u00fang ta \u1edf trong m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c v\u0103n ph\u00f2ng ch\u00ednh th\u1ee9c.”\nB\u1edfi v\u00ec c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao th\u01b0\u1eddng c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u c\u00f3 gi\u00e1 tr\u1ecb cao trong c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd v\u00e0 v\u00ec h\u1ecd c\u00f3 nhi\u1ec1u th\u1ee9 \u0111\u1ec3 m\u1ea5t, h\u1ecd tr\u1edf th\u00e0nh m\u1ee5c ti\u00eau h\u1ea5p d\u1eabn cho h\u00e0nh vi sai tr\u00e1i. <\/p>\n\n

Tuy nhi\u00ean, r\u1ee7i ro t\u1ea5n c\u00f4ng m\u1ea1ng v\u1eabn kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 ch\u00fa \u00fd m\u00e0 h\u1ecd c\u1ea7n.\nNghi\u00ean c\u1ee9u c\u1ee7a Chubb cho th\u1ea5y “ph\u1ea7n l\u1edbn nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi nh\u00fan vai tr\u01b0\u1edbc nh\u1eefng lo ng\u1ea1i v\u1ec1 vi\u1ec7c tr\u1edf th\u00e0nh m\u1ee5c ti\u00eau c\u1ee7a m\u1ed9t cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng trong khi l\u00e0m vi\u1ec7c t\u1eeb xa v\u00e0 g\u1ea7n m\u1ed9t n\u1eeda \u0111ang s\u1eed d\u1ee5ng thi\u1ebft b\u1ecb c\u00e1 nh\u00e2n ho\u1eb7c t\u00e0i kho\u1ea3n email \u0111\u1ec3 ti\u1ebfn h\u00e0nh kinh doanh”, Sean Ringsted<\/a>, gi\u00e1m \u0111\u1ed1c k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 gi\u00e1m \u0111\u1ed1c r\u1ee7i ro c\u1ee7a Chubb cho bi\u1ebft. <\/p>\n\n

Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao ph\u1ee5c h\u1ed3i sau m\u1ed9t cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng.\nB\u1ea3o hi\u1ec3m n\u00ean t\u1eadp trung kh\u00f4ng ch\u1ec9 v\u00e0o chi ph\u00ed v\u1eadt ch\u1ea5t c\u1ee7a m\u1ed9t cu\u1ed9c t\u1ea5n c\u00f4ng, nh\u01b0 d\u1eef li\u1ec7u b\u1ecb vi ph\u1ea1m, m\u00e0 c\u00f2n v\u00e0o c\u00e1c v\u1ea5n \u0111\u1ec1 nh\u01b0 thi\u1ec7t h\u1ea1i m\u00e0 m\u1ed9t c\u00e1 nh\u00e2n cao c\u1ea5p c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu \u0111\u1ed1i v\u1edbi danh ti\u1ebfng c\u1ee7a h\u1ecd n\u1ebfu m\u1ed9t cu\u1ed9c t\u1ea5n c\u00f4ng x\u1ea3y ra.\nNhu c\u1ea7u kh\u00f4i ph\u1ee5c th\u00f4ng tin b\u1ecb \u0111\u00e1nh c\u1eafp trong tr\u01b0\u1eddng h\u1ee3p tr\u1ed9m c\u1eafp danh t\u00ednh c\u0169ng r\u1ea5t c\u1ea7n thi\u1ebft, Kevin Havemeier<\/a>, c\u1ed1 v\u1ea5n kh\u00e1ch h\u00e0ng li\u00ean k\u1ebft t\u1ea1i B\u1ea3o hi\u1ec3m Gulfshore cho bi\u1ebft. <\/p>\n\n

R\u1ee7i ro an ninh m\u1ea1ng l\u00e0 t\u01b0\u01a1ng \u0111\u1ed1i m\u1edbi v\u00e0 ch\u01b0a t\u1eebng c\u00f3, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh Morgan Stanley Wealth Management Joseph Toledano<\/a> cho bi\u1ebft, m\u1ed9t t\u00ecnh hu\u1ed1ng c\u00f3 th\u1ec3 \u0111\u1eb7c bi\u1ec7t \u0111\u00fang \u0111\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang t\u00ecm c\u00e1ch h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 c\u1ea7n gi\u00e1o d\u1ee5c nh\u1eefng c\u00e1 nh\u00e2n n\u00e0y v\u1ec1 nh\u1eefng r\u1ee7i ro an ninh m\u1ea1ng m\u00e0 h\u1ecd ph\u1ea3i \u0111\u1ed1i m\u1eb7t, ngo\u00e0i vi\u1ec7c cung c\u1ea5p b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd c\u1ea7n. <\/p>\n\n

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

X\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n<\/h2>\n\n

M\u1ed9t trong nh\u1eefng c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd v\u00e0 \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p b\u1ea3o hi\u1ec3m thi\u1ebft y\u1ebfu cho nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y l\u00e0 th\u00f4ng qua h\u1ee3p t\u00e1c v\u1edbi ng\u01b0\u1eddi qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n.<\/p>\n\n

Cargill n\u00f3i: “S\u1ef1 k\u1ebft h\u1ee3p v\u1eefng ch\u1eafc gi\u1eefa b\u1ea3o hi\u1ec3m v\u00e0 d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd chuy\u00ean nghi\u1ec7p l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn to\u00e0n di\u1ec7n nh\u1ea5t \u0111\u1ec3 s\u1eed d\u1ee5ng trong vi\u1ec7c \u1ee9ng ph\u00f3 v\u1edbi nh\u1eefng r\u1ee7i ro [faced by high net worth individuals]n\u00e0y, cho d\u00f9 ch\u00fang li\u00ean quan \u0111\u1ebfn c\u00f4ng vi\u1ec7c hay du l\u1ecbch.<\/p>\n\n

D\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n cung c\u1ea5p m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao d\u01b0\u1edbi m\u1ed9t m\u00e1i nh\u00e0.\nGi\u1ed1ng nh\u01b0 c\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh, h\u1ecd cung c\u1ea5p t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 ph\u1ee5c v\u1ee5 nh\u01b0 m\u1ed9t b\u00ean th\u1ee9 ba kh\u00e1ch quan khi \u0111\u01b0a ra l\u1eddi khuy\u00ean t\u00e0i ch\u00ednh. <\/p>\n\n

“V\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t m\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 g\u1eb7p ph\u1ea3i l\u00e0 c\u1ea3m x\u00fac c\u1ee7a h\u1ecd c\u1ea3n tr\u1edf”, nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn Laila Pence<\/a> n\u00f3i.\n“V\u00e0 c\u00f4ng vi\u1ec7c l\u1edbn nh\u1ea5t cho d\u00f9 b\u1ea1n l\u00e0 c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh hay c\u1ed1 v\u1ea5n t\u00e0i s\u1ea3n l\u00e0 \u0111i\u1ec1u h\u01b0\u1edbng kh\u00e1ch h\u00e0ng v\u01b0\u1ee3t qua nh\u1eefng th\u1eddi \u0111i\u1ec3m r\u1ea5t, r\u1ea5t bi\u1ebfn \u0111\u1ed9ng n\u00e0y.” <\/p>\n\n

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 th\u00fac \u0111\u1ea9y ng\u01b0\u1eddi M\u1ef9 t\u00ecm ki\u1ebfm l\u1eddi khuy\u00ean t\u1eeb c\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 t\u00e0i s\u1ea3n.\nM\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Vi\u1ec7n H\u01b0u tr\u00ed To\u00e0n qu\u1ed1c \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 v\u00e0o \u0111\u1ea7u n\u0103m 2020 cho th\u1ea5y 80% t\u1ed5ng s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi v\u00e0 85% nh\u00e0 \u0111\u1ea7u t\u01b0 cho r\u1eb1ng h\u1ecd d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng tr\u01b0\u1edbc c\u00e1c s\u1ef1 ki\u1ec7n b\u00ean ngo\u00e0i; Kho\u1ea3ng m\u1ed9t n\u1eeda c\u1ee7a c\u1ea3 hai nh\u00f3m n\u00f3i r\u1eb1ng \u0111\u1ea1i d\u1ecbch \u0111\u00e3 n\u00e2ng cao nh\u1eadn th\u1ee9c c\u1ee7a h\u1ecd v\u1ec1 s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i gi\u00fap \u0111\u1ee1 trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao c\u1ee7a c\u00f4ng ty Kristi Rodriguez<\/a> cho bi\u1ebft. <\/p>\n\n

Gi\u1ed1ng nh\u01b0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd v\u00e0 gi\u1ed1ng nh\u01b0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c sau \u0111\u1ea1i d\u1ecbch to\u00e0n c\u1ea7u.\nTuy nhi\u00ean, th\u1eddi \u0111i\u1ec3m thay \u0111\u1ed5i ng\u00e0nh c\u00f4ng nghi\u1ec7p nhanh ch\u00f3ng c\u0169ng c\u00f3 th\u1ec3 l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 m\u1ea1nh m\u1ebd h\u01a1n. <\/p>\n\n

Trong m\u1ed9t b\u00e1o c\u00e1o m\u00e0u xanh c\u1ee7a Morgan Stanley v\u00e0 Oliver Wyman, c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c khuy\u00ean n\u00ean th\u00eam c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c nhau, bao g\u1ed3m b\u1ea3o hi\u1ec3m P &C, v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 h\u1ecd tr\u00ecnh b\u00e0y cho c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao.\n“Ch\u00fang t\u00f4i \u01b0\u1edbc t\u00ednh r\u1eb1ng vi\u1ec7c cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o v\u1ec7 c\u00f3 th\u1ec3 cung c\u1ea5p m\u1ee9c t\u0103ng h\u00e0ng \u0111\u1ea7u ~ 4% v\u00e0 b\u1ea3o v\u1ec7 m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng”, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u d\u1eabn \u0111\u1ea7u b\u1edfi Betsy L. Graseck v\u00e0 Kai Upadek<\/a> c\u1ee7a Morgan Stanley t\u1ea1i Oliver Wyman vi\u1ebft. <\/p>\n\n

C\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u c\u0169ng khuy\u1ebfn ngh\u1ecb c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n xem x\u00e9t t\u00edch h\u1ee3p v\u00e0o c\u00e1c h\u1ec7 sinh th\u00e1i l\u1edbn h\u01a1n, c\u1ea3 \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao m\u1edbi v\u00e0 cung c\u1ea5p g\u00f3i d\u1ecbch v\u1ee5 to\u00e0n di\u1ec7n h\u01a1n.\nDo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00e1c h\u1ec7 sinh th\u00e1i nh\u01b0 v\u1eady c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, bao g\u1ed3m c\u1ea3 nh\u1eefng chuy\u00ean gia n\u00e0y trong c\u00e1c d\u1ecbch v\u1ee5 h\u1ec7 sinh th\u00e1i c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Khi n\u00f3i \u0111\u1ebfn vi\u1ec7c ti\u1ebfp c\u1eadn c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c.\nCung c\u1ea5p b\u1ea3o hi\u1ec3m gi\u1ea3i quy\u1ebft c\u00e1c nhu c\u1ea7u ri\u00eang c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh n\u00e0y l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c.\nHi\u1ec3u c\u00e1c v\u1ea5n \u0111\u1ec1 nh\u01b0 an ninh m\u1ea1ng v\u00e0 c\u00e1ch ch\u00fang \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u0169ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. <\/p>\n\n

\u0110\u1ec3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u1ea7n, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i h\u1ee3p t\u00e1c v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, c\u1ed1 v\u1ea5n t\u00e0i s\u1ea3n v\u00e0 c\u00e1c chuy\u00ean gia kh\u00e1c chuy\u00ean hi\u1ec3u nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao.\nM\u1ed9t h\u1ec7 sinh th\u00e1i tr\u1ef1c tuy\u1ebfn t\u1eadp trung v\u00e0o vi\u1ec7c k\u1ebft h\u1ee3p c\u00e1c k\u1ef9 n\u0103ng v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c c\u1ed1 v\u1ea5n v\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00e1c chuy\u00ean v\u1ec1 kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao l\u00e0 m\u1ed9t c\u00e1ch \u0111\u1ec3 c\u1ee7ng c\u1ed1 c\u00e1c m\u1ed1i quan h\u1ec7 n\u00e0y v\u00e0 cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 c\u00e1c c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u1ea7n. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: fizkes\/\u00a9123RF.com, gstockstudio\/\u00a9123RF.com, fizkes\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao th\u01b0\u1eddng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng r\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o. M\u1eb7c d\u00f9 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd, nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c l\u0129nh v\u1ef1c r\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o n\u00e0y. R\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o \u0111\u00f2i h\u1ecfi nh\u1eefng hi\u1ec3u bi\u1ebft \u0111\u1ed9c \u0111\u00e1o […]<\/p>\n","protected":false},"featured_media":9588,"template":"","insight-category":[],"class_list":["post-19481","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19481","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\/9588"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19481"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19481"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}