{"id":19970,"date":"2024-09-20T14:51:20","date_gmt":"2024-09-20T19:51:20","guid":{"rendered":"https:\/\/bolttech.io\/insights\/tam-quan-trong-cua-bao-hiem-pc-trong-quan-ly-tai-san\/"},"modified":"2024-09-20T14:51:27","modified_gmt":"2024-09-20T19:51:27","slug":"tam-quan-trong-cua-bao-hiem-pc-trong-quan-ly-tai-san","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/tam-quan-trong-cua-bao-hiem-pc-trong-quan-ly-tai-san\/","title":{"rendered":"T\u1ea7m quan tr\u1ecdng c\u1ee7a b\u1ea3o hi\u1ec3m P&C trong qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n"},"content":{"rendered":"\n

Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n t\u1eeb l\u00e2u \u0111\u00e3 s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n c\u1ee7a h\u1ecd.\nTuy nhi\u00ean, gi\u00e1 tr\u1ecb c\u1ee7a b\u1ea3o hi\u1ec3m trong qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. <\/p>\n\n

B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u0169ng \u0111\u00f3ng m\u1ed9t vai tr\u00f2 thi\u1ebft y\u1ebfu trong qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n.\nB\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i gi\u00fap b\u1ea3o v\u1ec7 l\u1ee3i \u00edch kinh doanh v\u00e0 ngh\u1ec1 nghi\u1ec7p c\u1ee7a nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y, trong khi c\u00e1c ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh ri\u00eang c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf t\u01b0 nh\u00e2n, xe c\u1ed9, b\u1ed9 s\u01b0u t\u1eadp ngh\u1ec7 thu\u1eadt v\u00e0 c\u00e1c h\u1ea1ng m\u1ee5c quan tr\u1ecdng kh\u00e1c c\u1ee7a t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n. <\/p>\n\n

T\u1ea7m quan tr\u1ecdng c\u1ee7a b\u1ea3o hi\u1ec3m P&C \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao<\/h2>\n\n

C\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao r\u1ea5t kh\u00e1c nhau trong vi\u1ec7c l\u1ef1a ch\u1ecdn l\u1ed1i s\u1ed1ng, m\u1ee5c ti\u00eau c\u00e1 nh\u00e2n v\u00e0 ngh\u1ec1 nghi\u1ec7p c\u1ee7a h\u1ecd, n\u01a1i h\u1ecd s\u1ed1ng v\u00e0 c\u00e1ch h\u1ecd ki\u1ebfm v\u00e0 duy tr\u00ec ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n\n

Ngo\u00e0i gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng c\u1ee7a h\u1ecd, nhi\u1ec1u c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao ch\u1ec9 c\u00f3 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m chung: H\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, Michael Costonis<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh v\u00e0 gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i CNA Insurance vi\u1ebft.<\/p>\n\n

“C\u00e1c nh\u00e0 ph\u00e2n t\u00edch ng\u00e0nh c\u00f4ng nghi\u1ec7p \u01b0\u1edbc t\u00ednh r\u1eb1ng b\u1ea3y trong s\u1ed1 m\u01b0\u1eddi ng\u00f4i nh\u00e0 sang tr\u1ecdng kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.\nH\u01a1n n\u1eefa, nhi\u1ec1u HNWI [high net worth individuals] kh\u00f4ng \u0111i\u1ec1u ch\u1ec9nh gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd ph\u00f9 h\u1ee3p v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n ho\u1eb7c r\u1ee7i ro, “Cotonis vi\u1ebft. <\/p>\n\n

Nhu c\u1ea7u b\u1ea3o hi\u1ec3m duy nh\u1ea5t cho kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao<\/h3>\n\n

M\u1eb7c d\u00f9 kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 c\u00f3 k\u1ef9 n\u0103ng ki\u1ebfm ti\u1ec1n v\u00e0 \u0111\u1ea7u t\u01b0 ti\u1ec1n, nh\u01b0ng h\u1ecd kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 chuy\u00ean m\u00f4n \u0111\u1ec3 n\u1eafm b\u1eaft c\u00e1c s\u1eafc th\u00e1i c\u1ee7a b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi \u00e1p d\u1ee5ng cho m\u1ed9t m\u1ea1ng l\u01b0\u1edbi ph\u1ee9c t\u1ea1p g\u1ed3m nh\u00e0 c\u1eeda, xe c\u1ed9, v\u1eadt gia truy\u1ec1n, doanh nghi\u1ec7p v\u00e0 c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c.\nDo \u0111\u00f3, nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y th\u01b0\u1eddng c\u00f3 \u00edt b\u1ea3o hi\u1ec3m h\u01a1n m\u1ee9c h\u1ecd c\u1ea7n v\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi h\u1ecd c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n

V\u00ed d\u1ee5, nhi\u1ec1u c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 b\u1ed9 s\u01b0u t\u1eadp, \u0111\u1ed3 c\u1ed5 ho\u1eb7c v\u1eadt gia truy\u1ec1n c\u00f3 gi\u00e1 tr\u1ecb c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi ch\u00ednh s\u00e1ch ch\u1ee7 nh\u00e0 ti\u00eau chu\u1ea9n.\nM\u1ed9t s\u1ed1 trong s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 \u0111\u1eb7c bi\u1ec7t kh\u00f3 trang tr\u1ea3i, b\u1edfi v\u00ec gi\u00e1 tr\u1ecb c\u1ee7a ch\u00fang r\u1ea5t \u0111\u1ed9c \u0111\u00e1o. <\/p>\n\n

\u0110\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y, b\u1ea3o hi\u1ec3m v\u1eadt ph\u1ea9m c\u00f3 gi\u00e1 tr\u1ecb c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o hi\u1ec3m c\u00e1c m\u1eb7t h\u00e0ng m\u00e0 ch\u00ednh s\u00e1ch ch\u1ee7 nh\u00e0 kh\u00f4ng c\u00f3.\nNh\u1eefng ch\u00ednh s\u00e1ch n\u00e0y th\u01b0\u1eddng c\u00f3 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng cao, bao g\u1ed3m m\u1ecdi th\u1ee9, t\u1eeb c\u00e1c b\u1ed9 s\u01b0u t\u1eadp \u0111\u1ebfn c\u00e1c v\u1eadt ph\u1ea9m \u0111\u01b0\u1ee3c th\u1eeba k\u1ebf \u0111\u1ebfn c\u00e1c thi\u1ebft b\u1ecb th\u1ec3 thao qu\u00fd gi\u00e1, Charlie Graham<\/a>, gi\u00e1m \u0111\u1ed1c ph\u00e1t tri\u1ec3n kinh doanh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao qu\u1ed1c gia t\u1ea1i Orchid Insurance cho bi\u1ebft. <\/p>\n\n

Kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u0169ng c\u00f3 th\u1ec3 c\u1ea7n b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 cho an ninh m\u1ea1ng v\u00e0 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u.\n“C\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 xu h\u01b0\u1edbng c\u00f3 m\u1ed9t l\u01b0\u1ee3ng l\u1edbn th\u00f4ng tin r\u1ea5t nh\u1ea1y c\u1ea3m v\u00e0 b\u00ed m\u1eadt. B\u1edfi v\u00ec danh ti\u1ebfng c\u1ee7a h\u1ecd r\u1ea5t \u0111\u00e1ng k\u1ec3, ngay c\u1ea3 nh\u1eefng th\u1ee9 kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb kinh t\u1ebf c\u0169ng c\u00f3 th\u1ec3 g\u00e2y ra t\u00e1c h\u1ea1i \u0111\u00e1ng k\u1ec3”, lu\u1eadt s\u01b0 an ninh m\u1ea1ng Mark Rasch<\/a> n\u00f3i. <\/p>\n\n

Kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao cung c\u1ea5p m\u1ed9t th\u1ecb tr\u01b0\u1eddng ph\u1ea7n l\u1edbn ch\u01b0a \u0111\u01b0\u1ee3c khai th\u00e1c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nBa c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u chuy\u00ean v\u1ec1 nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao chi\u1ebfm \u00edt h\u01a1n 15% ph\u00ed b\u1ea3o hi\u1ec3m.\nTrong khi \u0111\u00f3, 75% nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ed9c l\u1eadp, Costonis n\u00f3i. <\/p>\n\n

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

B\u1ea3o hi\u1ec3m P&C nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n<\/h2>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n mang l\u1ea1i s\u1ef1 kh\u1edfi \u0111\u1ea7u, nh\u01b0ng n\u00f3 c\u00f3 th\u1ec3 kh\u00f4ng \u0111i \u0111\u1ee7 xa \u0111\u1ec3 b\u1ea3o v\u1ec7 nhu c\u1ea7u c\u1ee7a h\u1ecd trong khi \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u1ee7a h\u1ecd.\nThay v\u00e0o \u0111\u00f3, nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, nh\u1eefng ng\u01b0\u1eddi “c\u00f3 c\u00e1i nh\u00ecn r\u1ed9ng h\u01a1n v\u1ec1 to\u00e0n b\u1ed9 ho\u00e0n c\u1ea3nh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a ti\u1ec1n c\u1ee7a h\u1ecd theo c\u00e1ch \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau v\u00e0 tham v\u1ecdng c\u00e1 nh\u00e2n”, Daglar Cizmeci<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Red Carpet Capital vi\u1ebft. <\/p>\n\n

M\u1ed9t trong nh\u1eefng ch\u1ee7 \u0111\u1ec1 th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp trong quan \u0111i\u1ec3m r\u1ed9ng h\u01a1n n\u00e0y l\u00e0 b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong.<\/p>\n\n

B\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3 kh\u1ecfi nh\u1eefng r\u1ee7i ro \u0111\u1ed9c \u0111\u00e1o<\/h3>\n\n

B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong cho kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao th\u01b0\u1eddng ph\u1ea3i xem x\u00e9t c\u1ea3 g\u00f3c \u0111\u1ed9 c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p – c\u0169ng nh\u01b0 c\u00e1c khu v\u1ef1c m\u00e0u x\u00e1m c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed1i quan t\u00e2m \u0111\u1ed1i v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n

V\u00ed d\u1ee5, m\u1ed9t c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m b\u1ea3o v\u1ec7 m\u1ed9t t\u00f2a nh\u00e0 ho\u1eb7c t\u00e0i s\u1ea3n kh\u1ecfi tai n\u1ea1n d\u1ecdn d\u1eb9p, tr\u1ed9m c\u1eafp c\u1ee7a nh\u00e2n vi\u00ean ho\u1eb7c c\u00e1c v\u1ee5 ki\u1ec7n t\u1eeb nh\u00e2n vi\u00ean ho\u1eb7c c\u01a1 quan d\u1ecbch v\u1ee5, Sean Ross<\/a> vi\u1ebft t\u1ea1i Investopedia.\nB\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 c\u00f3 \u00edt gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng kh\u00e1c, nh\u01b0ng n\u00f3 c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o v\u1ec7 s\u1ef1 gi\u00e0u c\u00f3 c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao. <\/p>\n\n

Nhi\u1ec1u gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao qu\u1ea3n l\u00fd c\u00f4ng vi\u1ec7c gia \u0111\u00ecnh c\u1ee7a h\u1ecd th\u00f4ng qua c\u00e1c v\u0103n ph\u00f2ng gia \u0111\u00ecnh.\nC\u00e1c v\u0103n ph\u00f2ng n\u00e0y x\u1eed l\u00fd m\u1ed9t lo\u1ea1t c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh, l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c.\nTheo m\u1ed9t b\u00e1o c\u00e1o n\u0103m 2017 c\u1ee7a Edward V. Marshall<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Boston Private, kho\u1ea3ng 15% v\u0103n ph\u00f2ng gia \u0111\u00ecnh \u0111\u00e3 tr\u1ea3i qua m\u1ed9t s\u1ef1 ki\u1ec7n t\u1ea5n c\u00f4ng m\u1ea1ng.\nB\u1ea3o hi\u1ec3m cho c\u00e1c s\u1ef1 ki\u1ec7n n\u00e0y, c\u0169ng nh\u01b0 cho c\u00e1c c\u01a1 s\u1edf v\u00e0 n\u1ed9i dung v\u1eadt ch\u1ea5t c\u1ee7a v\u0103n ph\u00f2ng gia \u0111\u00ecnh, c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n ho\u1eb7c gia \u0111\u00ecnh c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao. <\/p>\n\n

B\u1ea3o hi\u1ec3m gi\u00fap c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 t\u1ed1t h\u01a1n nh\u01b0 th\u1ebf n\u00e0o<\/h3>\n\n

B\u1ea3o hi\u1ec3m P&C ph\u00f9 h\u1ee3p c\u0169ng c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 t\u1ed1t h\u01a1n.\nV\u00ed d\u1ee5, Morgan Stanley g\u1ea7n \u0111\u00e2y \u0111\u00e3 b\u1eaft \u0111\u1ea7u cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong cho c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao th\u00f4ng qua c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi nh\u01b0 Hub v\u00e0 Willis Towers Watson. <\/p>\n\n

B\u1eb1ng c\u00e1ch cung c\u1ea5p b\u1ea3o hi\u1ec3m P&C ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y, Morgan Stanley t\u00ecm c\u00e1ch c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd v\u00e0 \u0111\u1ecbnh v\u1ecb kh\u00e1ch h\u00e0ng \u0111\u1ec3 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n hi\u1ec7u qu\u1ea3 h\u01a1n, Joseph Toledano<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Morgan Stanley Wealth Management cho bi\u1ebft.<\/p>\n\n

“N\u1ebfu m\u1ed9t c\u1ed1 v\u1ea5n bi\u1ebft r\u1eb1ng r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng – nh\u01b0 ng\u00f4i nh\u00e0 th\u1ee9 hai, thuy\u1ec1n ho\u1eb7c b\u1ed9 s\u01b0u t\u1eadp m\u1ef9 thu\u1eadt – \u0111\u01b0\u1ee3c ph\u00f2ng ng\u1eeba hi\u1ec7u qu\u1ea3, r\u1eb1ng c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c x\u1eed l\u00fd, c\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 t\u00edch c\u1ef1c h\u01a1n” trong vi\u1ec7c \u0111\u1ec1 xu\u1ea5t c\u00e1c gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao ph\u00e1t tri\u1ec3n s\u1ef1 gi\u00e0u c\u00f3 c\u1ee7a h\u1ecd, Toledano n\u00f3i.<\/p>\n\n

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

B\u1ea3o hi\u1ec3m P&C v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n trong th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1<\/h2>\n\n

\u0110\u1ea1i d\u1ecbch COVID-19 c\u0169ng \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n xem x\u00e9t l\u1ea1i c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 h\u1ecd s\u1eed d\u1ee5ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n n\u00f3 thay m\u1eb7t cho kh\u00e1ch h\u00e0ng.\nTrong khi \u0111\u1ea1i d\u1ecbch l\u00e0 m\u1ed9t cu\u1ed9c kh\u1ee7ng ho\u1ea3ng, n\u00f3 c\u0169ng l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 t\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n nh\u1eefng c\u1ea3i ti\u1ebfn c\u1ea7n thi\u1ebft t\u1eeb l\u00e2u, Anna Zakrzewski<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i BCG vi\u1ebft. <\/p>\n\n

M\u1ed9t c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd cho c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao l\u00e0 thi\u1ebft l\u1eadp ho\u1eb7c h\u1ee3p t\u00e1c trong m\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p m\u1ed9t c\u1eeda cho c\u00e1c nhu c\u1ea7u ri\u00eang c\u1ee7a nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y.\nV\u00ed d\u1ee5, c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao th\u01b0\u1eddng y\u00eau c\u1ea7u s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a th\u1ea9m \u0111\u1ecbnh vi\u00ean \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7 cho c\u00e1c m\u1eb7t h\u00e0ng ho\u1eb7c b\u1ed9 s\u01b0u t\u1eadp c\u00f3 gi\u00e1 tr\u1ecb.\nM\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y c\u00f3 th\u1ec3 gi\u00fap h\u1ecd t\u00ecm \u0111\u01b0\u1ee3c m\u1ed9t th\u1ea9m \u0111\u1ecbnh vi\u00ean \u0111\u1ed3ng th\u1eddi \u0111\u1ec1 xu\u1ea5t c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t. <\/p>\n\n

“M\u1ecdi th\u1ee9 \u0111\u1ec1u c\u00f3 th\u1ec3 b\u1ea3o hi\u1ec3m; n\u00f3 s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 theo c\u00e1ch kh\u00e1c, ” Toni Davies<\/a> c\u1ee7a BB &T n\u00f3i. ”\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong l\u00e0m vi\u1ec7c c\u00f9ng v\u1edbi c\u00e1c th\u1ea9m \u0111\u1ecbnh vi\u00ean v\u00e0 c\u00e1c chuy\u00ean gia kh\u00e1c trong h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, h\u1ecd gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao d\u1ec5 d\u00e0ng hi\u1ec3u v\u00e0 mua b\u1ea3o hi\u1ec3m h\u1ecd c\u1ea7n. <\/p>\n\n

Khi qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n chuy\u1ec3n sang kh\u00f4ng gian k\u1ef9 thu\u1eadt s\u1ed1, c\u00e1c c\u00f4ng ty c\u00f3 s\u1ef1 hi\u1ec7n di\u1ec7n v\u00e0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp t\u1ed1t \u0111ang xem x\u00e9t c\u00e1c c\u00e1ch \u0111\u1ec3 tr\u1edf th\u00e0nh \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh cho c\u00e1c m\u1ed1i quan h\u1ec7 v\u1edbi c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao.\nV\u00ed d\u1ee5, c\u00e1c c\u00f4ng ty nh\u01b0 Alibaba v\u00e0 Amazon d\u1ef1 ki\u1ebfn s\u1ebd m\u1edf r\u1ed9ng sang qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 trong v\u00e0i n\u0103m t\u1edbi, Stefan Wagstyl<\/a> vi\u1ebft tr\u00ean Financial Times. <\/p>\n\n

C\u00e1c c\u00f4ng ty n\u00e0y mang l\u1ea1i tr\u1ea3i nghi\u1ec7m ch\u01b0a t\u1eebng c\u00f3 trong c\u00e1c d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1, nh\u01b0ng h\u1ecd kh\u00f4ng c\u00f3 chuy\u00ean m\u00f4n s\u00e2u m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n cung c\u1ea5p.\n\u0110\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao, vi\u1ec7c cung c\u1ea5p chuy\u00ean m\u00f4n th\u01b0\u1eddng c\u00f3 gi\u00e1 tr\u1ecb h\u01a1n so v\u1edbi vi\u1ec7c cung c\u1ea5p ti\u1ebft ki\u1ec7m, Annmarie Camp<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u D\u1ecbch v\u1ee5 R\u1ee7i ro C\u00e1 nh\u00e2n t\u1ea1i Chubb Ch\u00e2u \u00c2u cho bi\u1ebft <\/p>\n\n

Camp l\u01b0u \u00fd r\u1eb1ng vi\u1ec7c ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao c\u00f3 ngh\u0129a l\u00e0 xem x\u00e9t c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m “c\u1eaft b\u1ecf t\u1ea5t c\u1ea3 s\u1ef1 l\u1ed9n x\u1ed9n \u0111\u00f3 v\u00e0 ti\u1ebfp c\u1eadn m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec3 n\u00f3i, ‘b\u1ea1n \u0111\u00e3 l\u00e0m vi\u1ec7c r\u1ea5t ch\u0103m ch\u1ec9 cho nh\u1eefng g\u00ec b\u1ea1n \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c v\u00e0 ch\u00fang t\u00f4i bi\u1ebft b\u1ea1n r\u1ea5t b\u1eadn r\u1ed9n, h\u00e3y \u0111\u1ec3 ch\u00fang t\u00f4i mang \u0111\u1ebfn m\u1ed9t chuy\u00ean gia \u0111\u1ec3 gi\u00fap b\u1ea1n s\u1eafp x\u1ebfp t\u1ea5t c\u1ea3 \u0111\u1ec3 b\u1ea1n s\u1ebd kh\u00f4ng bao gi\u1edd ph\u1ea3i lo l\u1eafng v\u1ec1 vi\u1ec7c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.'”<\/p>\n\n

Nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C \u0111\u00e3 gi\u00fap kh\u00e1ch h\u00e0ng mua s\u1eafm v\u00e0 \u0111\u1eb7t b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 d\u1ec5 d\u00e0ng h\u01a1n bao gi\u1edd h\u1ebft.\nB\u1eb1ng c\u00e1ch xem x\u00e9t nhu c\u1ea7u ri\u00eang c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 thu h\u00fat nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: Monika Mlynek\/\u00a9123RF.com, Cathy Yeulet\/\u00a9123RF.com, langstrup\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n t\u1eeb l\u00e2u \u0111\u00e3 s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb r\u00f2ng cao qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n c\u1ee7a h\u1ecd. Tuy nhi\u00ean, gi\u00e1 tr\u1ecb c\u1ee7a b\u1ea3o hi\u1ec3m trong qu\u1ea3n l\u00fd t\u00e0i […]<\/p>\n","protected":false},"featured_media":8709,"template":"","insight-category":[],"class_list":["post-19970","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19970","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\/8709"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19970"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}