{"id":20022,"date":"2024-09-20T14:52:30","date_gmt":"2024-09-20T19:52:30","guid":{"rendered":"https:\/\/bolttech.io\/insights\/hieu-gia-dong-thuong-mai-hien-tai-va-vao-nam-2021\/"},"modified":"2024-09-20T14:52:36","modified_gmt":"2024-09-20T19:52:36","slug":"hieu-gia-dong-thuong-mai-hien-tai-va-vao-nam-2021","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/hieu-gia-dong-thuong-mai-hien-tai-va-vao-nam-2021\/","title":{"rendered":"Hi\u1ec3u gi\u00e1 d\u00f2ng th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n t\u1ea1i v\u00e0 v\u00e0o n\u0103m 2021"},"content":{"rendered":"\n

T\u1ed5ng h\u1ee3p, gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u1ee7a M\u1ef9 \u0111\u00e3 t\u0103ng h\u01a1n 6% trong qu\u00fd IV n\u0103m 2019, theo Kh\u1ea3o s\u00e1t gi\u00e1 b\u1ea3o hi\u1ec3m<\/a> c\u1ee7a Willis Towers Watson Commercial Lines.\nT\u1ed1c \u0111\u1ed9 t\u0103ng t\u1ed5ng th\u1ec3 \u0111\u00e3 t\u0103ng t\u1ed1c trong n\u0103m 2019, t\u1eeb kho\u1ea3ng 2% trong qu\u00fd \u0111\u1ea7u ti\u00ean l\u00ean h\u01a1n 6% v\u00e0o cu\u1ed1i n\u0103m. <\/p>\n\n

Nh\u00ecn chung, gi\u00e1 c\u01b0\u1edbc th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 ti\u1ebfp t\u1ee5c t\u0103ng v\u00e0o n\u0103m 2020.\nTuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 t\u1ef7 l\u1ec7 t\u0103ng v\u1edbi c\u00f9ng m\u1ed9t t\u1ed1c \u0111\u1ed9 v\u00e0 vi\u1ec7c t\u0103ng l\u00e3i su\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00e1c y\u1ebfu t\u1ed1 gi\u1ed1ng h\u1ec7t nhau trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p.\nHi\u1ec3u \u0111\u01b0\u1ee3c v\u00f4 s\u1ed1 y\u1ebfu t\u1ed1 \u0111\u1eb1ng sau nh\u1eefng con s\u1ed1 c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 chu\u1ea9n b\u1ecb cho s\u1ef1 h\u1ed7n lo\u1ea1n b\u1ed5 sung trong gi\u00e1 c\u1ea3 th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n

Xu h\u01b0\u1edbng t\u0103ng gi\u00e1<\/h2>\n\n

T\u0103ng gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng ph\u1ea3i l\u00e0 duy nh\u1ea5t \u1edf Hoa K\u1ef3.\nGi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 t\u0103ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi trong v\u00e0i n\u0103m qua v\u00e0 trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2020, gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i to\u00e0n c\u1ea7u \u0111\u00e3 t\u0103ng 14%, theo Ch\u1ec9 s\u1ed1 Th\u1ecb tr\u01b0\u1eddng B\u1ea3o hi\u1ec3m To\u00e0n c\u1ea7u c\u1ee7a Marsh<\/a>. <\/p>\n\n

Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c ph\u00e2n kh\u00fac b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u ch\u1ee9ng ki\u1ebfn gi\u00e1 t\u0103ng.\nTrong s\u1ed1 c\u00e1c ph\u00e2n kh\u00fac cho th\u1ea5y s\u1ef1 gia t\u0103ng, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 \u0111\u1ec1u t\u0103ng v\u1edbi c\u00f9ng m\u1ed9t t\u1ed1c \u0111\u1ed9 ho\u1eb7c v\u00ec nh\u1eefng l\u00fd do t\u01b0\u01a1ng t\u1ef1. <\/p>\n\n

S\u1ef1 gia t\u0103ng b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m t\u00e0i ch\u00ednh v\u00e0 chuy\u00ean nghi\u1ec7p \u0111\u00e3 th\u00fac \u0111\u1ea9y m\u1ee9c t\u0103ng gi\u00e1 chung trong qu\u00fd cu\u1ed1i c\u00f9ng c\u1ee7a n\u0103m 2019, theo ch\u1ec9 s\u1ed1 c\u1ee7a Marsh.\nTrung b\u00ecnh, gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u0103ng 15% v\u00e0 gi\u00e1 cho c\u00e1c ng\u00e0nh t\u00e0i ch\u00ednh v\u00e0 chuy\u00ean nghi\u1ec7p t\u0103ng 26%.\nChi ph\u00ed b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng vong t\u0103ng ch\u1eadm h\u01a1n, \u1edf m\u1ee9c 5%. <\/p>\n\n

B\u00e1o c\u00e1o IVANS th\u00e1ng 4 n\u0103m 2020<\/a> v\u1ec1 t\u1ef7 l\u1ec7 gia h\u1ea1n ph\u00ed b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i song song v\u1edbi nh\u1eefng ph\u00e1t hi\u1ec7n c\u1ee7a Marsh.\nB\u00e1o c\u00e1o c\u1ee7a IVANS cho th\u1ea5y t\u1ef7 l\u1ec7 \u0111\u00e3 t\u0103ng trong \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i, ch\u00ednh s\u00e1ch ch\u1ee7 doanh nghi\u1ec7p (BOP), tr\u00e1ch nhi\u1ec7m chung v\u00e0 t\u00e0i s\u1ea3n th\u01b0\u01a1ng m\u1ea1i.\nTrong s\u1ed1 n\u00e0y, t\u1ef7 l\u1ec7 gia h\u1ea1n b\u1ea3o hi\u1ec3m BOP t\u0103ng m\u1ea1nh nh\u1ea5t, t\u0103ng l\u00ean 5,22% t\u1eeb m\u1ee9c 4,85% v\u00e0o cu\u1ed1i th\u00e1ng 3\/2020. <\/p>\n\n

Tri\u1ec3n v\u1ecdng th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n th\u01b0\u01a1ng m\u1ea1i v\u00e0 th\u01b0\u01a1ng vong c\u1ee7a USI<\/a> d\u1ef1 \u0111o\u00e1n r\u1eb1ng chi ph\u00ed b\u1ea3o hi\u1ec3m cho b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i s\u1ebd t\u0103ng \u0111\u00e1ng k\u1ec3 v\u00e0o n\u0103m 2020.\nUSI d\u1ef1 \u0111o\u00e1n l\u00e3i su\u1ea5t t\u0103ng l\u00ean \u0111\u1ebfn 40% \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n tr\u00e1i phi\u1ebfu th\u1ea3m h\u1ecda (CAT) c\u00f3 l\u1ecbch s\u1eed t\u1ed5n th\u1ea5t t\u1ed1i thi\u1ec3u v\u00e0 60% \u0111\u1ed1i v\u1edbi c\u00e1c t\u00e0i s\u1ea3n c\u00f3 l\u1ecbch s\u1eed t\u1ed5n th\u1ea5t k\u00e9m. <\/p>\n\n

Xu h\u01b0\u1edbng gi\u1ea3m s\u1edbm trong b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c<\/h3>\n\n

Trong khi s\u1ef1 gia t\u0103ng chi ph\u00ed \u0111\u00e1ng k\u1ec3 l\u00e0 ph\u1ed5 bi\u1ebfn trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m r\u1ee7i ro \u0111i\u1ec1u h\u00e0nh, c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c c\u1ee7a b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i th\u1ea5y t\u1ef7 l\u1ec7 ch\u1eefng l\u1ea1i ho\u1eb7c th\u1eadm ch\u00ed gi\u1ea3m.<\/p>\n\n

T\u1ef7 l\u1ec7 gia h\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 d\u00f9 v\u00e0 b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng gi\u1ea3m nh\u1eb9 trong th\u00e1ng T\u01b0, theo b\u00e1o c\u00e1o IVARS, v\u1edbi t\u1ef7 l\u1ec7 comp c\u1ee7a c\u00f4ng nh\u00e2n gi\u1ea3m nhi\u1ec1u nh\u1ea5t.\nB\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u00e3 \u0111i ng\u01b0\u1ee3c xu h\u01b0\u1edbng t\u0103ng gi\u00e1 th\u01b0\u01a1ng m\u1ea1i; Nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u00e1o c\u00e1o gi\u1ea3m gi\u00e1 thay v\u00ec t\u0103ng b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, Alejandra Nolibos<\/a>, gi\u00e1m \u0111\u1ed1c c\u1ea5p cao t\u1ea1i Willis Towers Watson n\u00f3i. <\/p>\n\n

Ngo\u00e0i vi\u1ec7c d\u1ef1 \u0111o\u00e1n s\u1ef1 thay \u0111\u1ed5i -2 \u0111\u1ebfn 2 ph\u1ea7n tr\u0103m trong chi ph\u00ed b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng cho n\u0103m 2020, Willis Towers Watson d\u1ef1 \u0111o\u00e1n r\u1eb1ng b\u1ea3o hi\u1ec3m cho th\u01b0\u01a1ng vong qu\u1ed1c t\u1ebf v\u00e0 r\u1ee7i ro kh\u1ee7ng b\u1ed1 s\u1ebd kh\u00f4ng thay \u0111\u1ed5i ho\u1eb7c th\u1eadm ch\u00ed gi\u1ea3m.\nTrong b\u00e1o c\u00e1o Th\u1ef1c t\u1ebf Th\u1ecb tr\u01b0\u1eddng B\u1ea3o hi\u1ec3m n\u0103m 2020<\/a> , Willis Towers Watson c\u0169ng d\u1ef1 \u0111o\u00e1n r\u1eb1ng chi ph\u00ed cho r\u1ee7i ro m\u1ea1ng, ch\u00ednh tr\u1ecb v\u00e0 b\u1ea3o hi\u1ec3m \u1ee7y th\u00e1c c\u00f3 th\u1ec3 kh\u00f4ng t\u0103ng, trong khi ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00f4i tr\u01b0\u1eddng c\u00f3 th\u1ec3 gi\u1ea3m ho\u1eb7c t\u0103ng t\u00f9y thu\u1ed9c v\u00e0o c\u00e1c y\u1ebfu t\u1ed1 v\u1eabn c\u00f2n \u0111\u01b0\u1ee3c nh\u00ecn th\u1ea5y. <\/p>\n\n

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

T\u01b0\u01a1ng lai g\u1ea7n c\u1ee7a \u0111\u1ecbnh gi\u00e1 th\u01b0\u01a1ng m\u1ea1i<\/h2>\n\n

Trong th\u1eddi gian c\u00f2n l\u1ea1i c\u1ee7a n\u0103m, gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i cho h\u1ea7u h\u1ebft c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng do m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1, c\u0169ng nh\u01b0 m\u1ed9t s\u1ed1 b\u1ea5t \u1ed5n.<\/p>\n\n

Chu\u1ea9n b\u1ecb cho n\u0103m 2020<\/h3>\n\n

M\u1ed9t s\u1ed1 l\u01b0\u1ee3ng thi\u00ean tai ch\u01b0a t\u1eebng c\u00f3, c\u00f9ng v\u1edbi bi\u1ebfn \u0111\u1ed9ng ch\u00ednh tr\u1ecb v\u00e0 x\u00e3 h\u1ed9i, \u0111\u00e3 khi\u1ebfn k\u1ebf ho\u1ea1ch kinh doanh cho n\u0103m 2020 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng h\u1ed7n lo\u1ea1n.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang c\u1ea3m th\u1ea5y \u00e1p l\u1ef1c c\u1ee7a nh\u1eefng s\u1ef1 ki\u1ec7n n\u00e0y v\u00e0 s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i qu\u1ea3n l\u00fd r\u1ee7i ro trong c\u1ea3 hi\u1ec7n t\u1ea1i kh\u00f4ng ch\u1eafc ch\u1eafn v\u00e0 t\u01b0\u01a1ng lai u \u00e1m. <\/p>\n\n

Gi\u00e1 t\u0103ng trong n\u0103m 2019 m\u1ed9t ph\u1ea7n do h\u00e0ng lo\u1ea1t th\u1ea3m h\u1ecda thi\u00ean nhi\u00ean l\u00e0m h\u01b0 h\u1ea1i v\u00e0 ph\u00e1 h\u1ee7y t\u00e0i s\u1ea3n tr\u00ean kh\u1eafp n\u01b0\u1edbc M\u1ef9.\nTrong khi t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn th\u1eddi ti\u1ebft v\u00e0 c\u00e1c th\u1ea3m h\u1ecda kh\u00e1c x\u1ea3y ra h\u00e0ng n\u0103m, n\u0103m 2019 n\u1ed5i b\u1eadt v\u1edbi t\u1ef7 l\u1ec7 t\u1ed5n th\u1ea5t v\u00e0 chi ph\u00ed b\u1ea5t th\u01b0\u1eddng, Mary-Beth Hahn<\/a>, l\u00e3nh \u0111\u1ea1o th\u1ef1c h\u00e0nh qu\u1ea3n l\u00fd r\u1ee7i ro t\u1ea1i USI cho bi\u1ebft. <\/p>\n\n

“Ch\u00fang t\u00f4i \u0111\u00e3 t\u1eebng x\u1ea3y ra ch\u00e1y r\u1eebng tr\u01b0\u1edbc \u0111\u00e2y. Ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 nh\u1eefng c\u01a1n b\u00e3o tr\u01b0\u1edbc \u0111\u00e2y. Nh\u01b0ng kh\u00f4ng ph\u1ea3i \u1edf m\u1ee9c \u0111\u1ed9 t\u1ed5ng h\u1ee3p x\u1ea3y ra qu\u00e1 g\u1ea7n nhau”, Hahn n\u00f3i.<\/p>\n\n

N\u0103m 2020 \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n s\u1ebd l\u00e0 m\u1ed9t n\u0103m kh\u00f3 kh\u0103n kh\u00e1c \u0111\u1ed1i v\u1edbi nh\u1eefng t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn th\u1eddi ti\u1ebft.\n“Ph\u00e2n t\u00edch c\u1ee7a NOAA v\u1ec1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00ed quy\u1ec3n hi\u1ec7n t\u1ea1i v\u00e0 theo m\u00f9a cho th\u1ea5y m\u1ed9t c\u00f4ng th\u1ee9c cho m\u1ed9t m\u00f9a b\u00e3o \u0110\u1ea1i T\u00e2y D\u01b0\u01a1ng ho\u1ea1t \u0111\u1ed9ng trong n\u0103m nay”, Neil Jacobs, Ti\u1ebfn s\u0129<\/a>, Tr\u1ee3 l\u00fd B\u1ed9 tr\u01b0\u1edfng Th\u01b0\u01a1ng m\u1ea1i v\u1ec1 Quan s\u00e1t v\u00e0 D\u1ef1 b\u00e1o M\u00f4i tr\u01b0\u1eddng t\u1ea1i C\u01a1 quan Kh\u00ed quy\u1ec3n v\u00e0 \u0110\u1ea1i d\u01b0\u01a1ng Qu\u1ed1c gia (NOAA) cho bi\u1ebft. <\/p>\n\n

M\u1ed9t m\u00f9a b\u00e3o trung b\u00ecnh t\u1ea1o ra 12 c\u01a1n b\u00e3o \u0111\u01b0\u1ee3c \u0111\u1eb7t t\u00ean, trong \u0111\u00f3 ba c\u01a1n b\u00e3o th\u01b0\u1eddng l\u00e0 nh\u1eefng c\u01a1n b\u00e3o l\u1edbn.\nNOAA d\u1ef1 \u0111o\u00e1n r\u1eb1ng m\u00f9a b\u00e3o n\u0103m 2020 s\u1ebd t\u1ea1o ra 13 \u0111\u1ebfn 19 c\u01a1n b\u00e3o \u0111\u01b0\u1ee3c \u0111\u1eb7t t\u00ean.\nTrong s\u1ed1 n\u00e0y, c\u00f3 t\u1edbi 10 c\u01a1n b\u00e3o c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh b\u00e3o, v\u1edbi 3 \u0111\u1ebfn 6 trong s\u1ed1 \u0111\u00f3.\nM\u1ed9t m\u00f9a b\u00e3o tr\u00ean m\u1ee9c trung b\u00ecnh, m\u1ed1i \u0111e d\u1ecda ch\u00e1y r\u1eebng \u0111ang di\u1ec5n ra v\u00e0 c\u00e1c r\u1ee7i ro kh\u00e1c \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n \u0111\u1ec1u th\u00fac \u0111\u1ea9y s\u1ef1 gia t\u0103ng chi ph\u00ed b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n

Virus corona ch\u1ee7ng m\u1edbi c\u0169ng \u0111\u1eb7t ra m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi m\u1edbi v\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c kh\u00e1m ph\u00e1 trong b\u1ea3o hi\u1ec3m.\n\u0110i\u1ec1u n\u00e0y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ednh to\u00e1n r\u1ee7i ro v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh, an to\u00e0n x\u00e2y d\u1ef1ng, s\u1ee9c kh\u1ecfe ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 h\u01a1n th\u1ebf n\u1eefa. <\/p>\n\n

Vi\u1ec7c t\u0103ng gi\u00e1 trong qu\u00fd \u0111\u1ea7u ti\u00ean c\u1ee7a n\u0103m 2020 v\u1eabn ch\u01b0a t\u00ednh \u0111\u1ebfn t\u00e1c \u0111\u1ed9ng c\u1ee7a COVID-19 \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh, Dean Klisura<\/a>, ch\u1ee7 t\u1ecbch d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n v\u00e0 v\u1ecb tr\u00ed to\u00e0n c\u1ea7u t\u1ea1i Marsh cho bi\u1ebft.\nTuy nhi\u00ean, s\u1ef1 gia t\u0103ng x\u1ea3y ra trong th\u1eddi gian c\u00f2n l\u1ea1i c\u1ee7a n\u0103m c\u00f3 th\u1ec3 s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch, bao g\u1ed3m s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 c\u00e1ch ph\u00e2n lo\u1ea1i \u00f4 nhi\u1ec5m t\u00e0i s\u1ea3n, b\u1ec7nh t\u1eadt c\u1ee7a c\u00f4ng nh\u00e2n v\u00e0 c\u00e1c h\u1eadu qu\u1ea3 kh\u00e1c c\u1ee7a \u0111\u1ea1i d\u1ecbch cho m\u1ee5c \u0111\u00edch b\u1ea3o hi\u1ec3m. <\/p>\n\n

“Khi \u0111\u1ea1i d\u1ecbch thay \u0111\u1ed5i c\u00e1ch th\u1ebf gi\u1edbi kinh doanh, ch\u00fang t\u00f4i s\u1ebd li\u00ean t\u1ee5c theo d\u00f5i ch\u1eb7t ch\u1ebd c\u00e1c con s\u1ed1 \u0111\u1ec3 xem \u0111\u1ed9ng l\u1ef1c th\u1ecb tr\u01b0\u1eddng thay \u0111\u1ed5i s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ee9c kh\u1ecfe c\u1ee7a ng\u00e0nh nh\u01b0 th\u1ebf n\u00e0o”, Brian Wood<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch Nh\u00f3m S\u1ea3n ph\u1ea9m D\u1eef li\u1ec7u, D\u1ecbch v\u1ee5 B\u1ea3o hi\u1ec3m IVANS cho bi\u1ebft.<\/p>\n\n

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

Nh\u00ecn v\u1ec1 ph\u00eda tr\u01b0\u1edbc<\/h2>\n\n

B\u1ea5t ch\u1ea5p t\u00ecnh tr\u1ea1ng gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n t\u1ea1i, l\u00fd do l\u1ea1c quan v\u1eabn c\u00f2n trong ng\u00e0nh b\u1ea3o hi\u1ec3m, theo m\u1ed9t s\u1ed1 nh\u00e0 ph\u00e2n t\u00edch.<\/p>\n\n

“Th\u1ecb tr\u01b0\u1eddng v\u1ed1n thay th\u1ebf \u0111ang cho th\u1ea5y s\u1ef1 nhi\u1ec7t t\u00ecnh m\u1edbi \u0111\u1ed1i v\u1edbi t\u00e1i b\u1ea3o hi\u1ec3m; to\u00e0n ng\u00e0nh c\u00f3 nhi\u1ec1u v\u1ed1n h\u01a1n bao gi\u1edd h\u1ebft; m\u1ea5t kh\u1ea3 n\u0103ng thanh to\u00e1n l\u00e0 r\u1ea5t hi\u1ebfm; InsurTech \u0111ang l\u00e0m vi\u1ec7c v\u1edbi nh\u1eefng ng\u01b0\u1eddi tham gia th\u1ecb tr\u01b0\u1eddng \u0111\u1ec3 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 lu\u1eadt cung v\u00e0 c\u1ea7u v\u1eabn \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng”, Joseph C. Peiser<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh v\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u m\u00f4i gi\u1edbi to\u00e0n c\u1ea7u t\u1ea1i Willis Towers Watson cho bi\u1ebft.\n“Th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y th\u00e1ch th\u1ee9c n\u00e0y s\u1ebd kh\u00f4ng k\u00e9o d\u00e0i m\u00e3i m\u00e3i.” <\/p>\n\n

Tuy nhi\u00ean, trong ng\u1eafn h\u1ea1n, gi\u00e1 c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng.\n“Vi\u1ec7c t\u0103ng l\u00e3i su\u1ea5t l\u00ean t\u1edbi 10% s\u1ebd kh\u00f4ng ph\u1ea3i l\u00e0 hi\u1ebfm ngay c\u1ea3 \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u1ed1t v\u1edbi l\u1ecbch s\u1eed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng th\u1ea5p. T\u00e1c \u0111\u1ed9ng l\u00e3i su\u1ea5t l\u1edbn nh\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3m nh\u1eadn b\u1edfi c\u00e1c doanh nghi\u1ec7p \u0111\u00e3 tr\u1ea3i qua c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u00e1ng k\u1ec3 trong ba \u0111\u1ebfn n\u0103m n\u0103m qua, ” John B. Sullivan<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a C\u01a1 quan B\u1ea3o hi\u1ec3m Hoa K\u1ef3 cho bi\u1ebft. <\/p>\n\n

H\u01a1n bao gi\u1edd h\u1ebft, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm b\u1eaft c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ti\u00ean ti\u1ebfn c\u00f3 th\u1ec3 hi\u1ec3u v\u00e0 gi\u1ea3i quy\u1ebft r\u1ee7i ro v\u00e0 gi\u00e1 c\u1ea3 t\u0103ng theo c\u00e1ch m\u00e0 c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh c\u1ee7a h\u1ecd kh\u00f4ng th\u1ec3.\nV\u00ed d\u1ee5, “c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang s\u1eed d\u1ee5ng nhi\u1ec1u c\u00f4ng c\u1ee5 m\u00f4 h\u00ecnh h\u00f3a th\u1ea3m h\u1ecda \u0111\u1ec3 ph\u00e2n t\u00edch c\u1ea9n th\u1eadn c\u00e1c r\u1ee7i ro t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd”, Richard Kerr<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a MarketScout n\u00f3i.\nH\u1ecd c\u0169ng \u0111ang s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng v\u1ec1 c\u00e1c b\u1ea3o hi\u1ec3m thi\u1ebft y\u1ebfu v\u00e0 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m khi c\u1ea7n thi\u1ebft trong m\u1ed9t th\u1ebf gi\u1edbi kh\u00f4ng ch\u1eafc ch\u1eafn. <\/p>\n\n

Gi\u00e1 c\u1ea3 t\u0103ng \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c khi n\u00f3i \u0111\u1ebfn vi\u1ec7c gi\u1eef cho kh\u00e1ch h\u00e0ng an to\u00e0n v\u00e0 h\u00e0i l\u00f2ng.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 nhi\u1ec1u th\u00f4ng tin h\u01a1n v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u00e2n t\u00edch v\u00e0 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u \u0111\u00f3 c\u00f3 th\u1ec3 v\u01b0\u1ee3t qua th\u00e1ch th\u1ee9c n\u00e0y v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau kinh doanh c\u1ee7a h\u1ecd. <\/p>\n\n

\u1ea2nh: Papan Saenkutrueang\/\u00a9123RF.com, jat306\/\u00a9123RF.com.\nbacho12345\/\u00a9123RF.com <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

T\u1ed5ng h\u1ee3p, gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u1ee7a M\u1ef9 \u0111\u00e3 t\u0103ng h\u01a1n 6% trong qu\u00fd IV n\u0103m 2019, theo Kh\u1ea3o s\u00e1t gi\u00e1 b\u1ea3o hi\u1ec3m c\u1ee7a Willis Towers Watson Commercial Lines. T\u1ed1c \u0111\u1ed9 t\u0103ng t\u1ed5ng th\u1ec3 \u0111\u00e3 t\u0103ng t\u1ed1c trong n\u0103m 2019, t\u1eeb kho\u1ea3ng 2% trong qu\u00fd \u0111\u1ea7u ti\u00ean l\u00ean h\u01a1n 6% v\u00e0o cu\u1ed1i n\u0103m. Nh\u00ecn […]<\/p>\n","protected":false},"featured_media":8635,"template":"","insight-category":[],"class_list":["post-20022","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20022","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\/8635"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20022"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}