{"id":20785,"date":"2024-09-27T11:46:59","date_gmt":"2024-09-27T16:46:59","guid":{"rendered":"https:\/\/bolttech.io\/insights\/tai-sao-thach-thuc-hang-dau-cua-ban-la-phan-phoi-bao-hiem-thuong-mai\/"},"modified":"2024-09-27T11:47:00","modified_gmt":"2024-09-27T16:47:00","slug":"tai-sao-thach-thuc-hang-dau-cua-ban-la-phan-phoi-bao-hiem-thuong-mai","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/tai-sao-thach-thuc-hang-dau-cua-ban-la-phan-phoi-bao-hiem-thuong-mai\/","title":{"rendered":"T\u1ea1i sao th\u00e1ch th\u1ee9c h\u00e0ng \u0111\u1ea7u c\u1ee7a b\u1ea1n l\u00e0 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i"},"content":{"rendered":"\n

B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3 v\u00e0o n\u0103m 2020<\/a>.\nTrong khi vi\u1ec7c t\u0103ng gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i chi\u1ebfm \u01b0u th\u1ebf tr\u00ean c\u00e1c ti\u00eau \u0111\u1ec1, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t v\u1ea5n \u0111\u1ec1 dai d\u1eb3ng kh\u00f4ng k\u00e9m nh\u01b0ng \u00edt \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn: C\u1ea3i thi\u1ec7n ph\u00e2n ph\u1ed1i trong k\u1ef7 nguy\u00ean k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

Ph\u00e2n ph\u1ed1i trong c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n P&C \u0111\u00e3 tr\u1ea3i qua s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 trong nhi\u1ec1u n\u0103m, nh\u01b0ng c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 b\u1ecb t\u1ee5t l\u1ea1i ph\u00eda sau.\nGi\u1edd \u0111\u00e2y, k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m \u0111ang b\u1eaft \u0111\u1ea7u b\u1eaft k\u1ecbp.\nNh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u00e3 tr\u1edf n\u00ean tho\u1ea3i m\u00e1i v\u1edbi th\u00f4ng tin li\u00ean l\u1ea1c k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd \u0111\u00e3 b\u1eaft \u0111\u1ea7u \u0111\u01b0a ra nh\u1eefng y\u00eau c\u1ea7u t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m bao g\u1ed3m doanh nghi\u1ec7p c\u1ee7a h\u1ecd. <\/p>\n\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn nh\u1ea5t trong ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m<\/a> th\u01b0\u01a1ng m\u1ea1i, tr\u01b0\u1edbc ti\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i s\u1ebd c\u1ea7n ph\u1ea3i hi\u1ec3u ch\u00fang.<\/p>\n\n

“Ph\u00e2n ph\u1ed1i” kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t k\u00edch th\u01b0\u1edbc ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3<\/h2>\n\n

M\u1ed9t trong nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn nh\u1ea5t trong ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i l\u00e0 kh\u00f4ng c\u00f3 c\u00e1ch ti\u1ebfp c\u1eadn ph\u00e2n ph\u1ed1i n\u00e0o mang l\u1ea1i l\u1ee3i \u00edch cho m\u1ecdi h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i.\nV\u00ec c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i kh\u00e1c nhau v\u1ec1 lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd cung c\u1ea5p v\u00e0 lo\u1ea1i kh\u00e1ch h\u00e0ng m\u00e0 h\u1ecd ph\u1ee5c v\u1ee5, m\u1ed9t gi\u1ea3i ph\u00e1p gi\u00fap m\u1ed9t h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 kh\u00f4ng l\u00e0m g\u00ec cho h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i kh\u00e1c. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i nh\u1ecf, t\u01b0\u01a1ng lai l\u00e0 b\u00e2y gi\u1edd<\/h3>\n\n

B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf “\u0111ang \u1edf \u0111i\u1ec3m u\u1ed1n v\u1edbi k\u1ef9 thu\u1eadt s\u1ed1”, Michael Reilly<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Accenture vi\u1ebft.\nB\u1ed1n trong s\u1ed1 n\u0103m h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i nh\u1ecf h\u00e0ng \u0111\u1ea7u c\u00f3 c\u00e1c d\u1ecbch v\u1ee5 tr\u1ef1c ti\u1ebfp k\u1ef9 thu\u1eadt s\u1ed1.\nT\u1eeb n\u0103m 2010 \u0111\u1ebfn 2018, chi ti\u00eau cho insurtech trong kh\u00f4ng gian th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u00e3 t\u0103ng 41% m\u1ed7i n\u0103m. <\/p>\n\n

Th\u1ecb tr\u01b0\u1eddng th\u01b0\u01a1ng m\u1ea1i nh\u1ecf cung c\u1ea5p m\u1ed9t s\u1ed1 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u1ea3i thi\u1ec7n ph\u00e2n ph\u1ed1i th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1.\nTh\u1ecb tr\u01b0\u1eddng b\u1ecb ph\u00e2n m\u1ea3nh v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5, v\u00e0 \u0111\u1ed9 tr\u1ec5 trong chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 so v\u1edbi c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n cho ph\u00e9p c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00e1c b\u00e0i h\u1ecdc kinh nghi\u1ec7m trong l\u0129nh v\u1ef1c c\u00e1 nh\u00e2n \u0111\u1ed3ng th\u1eddi nh\u00ecn th\u1ea5y l\u1ee3i nhu\u1eadn l\u1edbn t\u1eeb \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7, Reilly n\u00f3i. <\/p>\n\n

Thay \u0111\u1ed5i th\u1ebf h\u1ec7 c\u0169ng \u0111ang th\u00fac \u0111\u1ea9y nh\u1eefng thay \u0111\u1ed5i trong ph\u00e2n ph\u1ed1i doanh nghi\u1ec7p nh\u1ecf.\nM\u1ed9t nghi\u00ean c\u1ee9u cho th\u1ea5y c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng mua b\u1ea3o hi\u1ec3m kinh doanh tr\u1ef1c tuy\u1ebfn h\u01a1n n\u1ebfu h\u1ecd d\u01b0\u1edbi 53 tu\u1ed5i.\nTrong s\u1ed1 1.371 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t, h\u01a1n 70% cho bi\u1ebft h\u1ecd \u0111\u00e3 mua b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf th\u00f4ng qua c\u00e1c k\u00eanh tr\u1ef1c ti\u1ebfp (tr\u1ef1c tuy\u1ebfn), thay v\u00ec th\u00f4ng qua m\u1ed9t \u0111\u1ea1i l\u00fd, theo Tim Zawacki v\u00e0 Thomas Mason<\/a> t\u1ea1i S&P Global. <\/p>\n\n

Khi c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf l\u1edbn tu\u1ed5i ti\u1ebfp t\u1ee5c truy\u1ec1n l\u1ea1i d\u00e2y c\u01b0\u01a1ng cho c\u00e1c th\u1ebf h\u1ec7 tr\u1ebb, nhi\u1ec1u ng\u01b0\u1eddi ra quy\u1ebft \u0111\u1ecbnh kinh doanh nh\u1ecf s\u1ebd t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn.\nC\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i nh\u1ecf tham gia v\u00e0o c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 gi\u1edd \u0111\u00e2y c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u trong kh\u00f4ng gian n\u00e0y. <\/p>\n\n

Th\u1ecb tr\u01b0\u1eddng t\u1ea7m trung \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u1edbn<\/h3>\n\n

Trong khi \u0111\u00f3, “c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i th\u1ecb tr\u01b0\u1eddng trung b\u00ecnh \u0111ang t\u00ecm ki\u1ebfm nh\u1eefng c\u00e1ch th\u1ee9c m\u1edbi \u0111\u1ec3 duy tr\u00ec v\u00e0 m\u1edf r\u1ed9ng t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp v\u00e0 duy tr\u00ec trong m\u1ed9t m\u00f4i tr\u01b0\u1eddng ng\u00e0y c\u00e0ng c\u1ea1nh tranh, c\u00f3 \u00fd th\u1ee9c v\u1ec1 chi ph\u00ed”, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u Sam Friedman, Michelle Canaan v\u00e0 Nikhil Gokhale<\/a> t\u1ea1i Deloitte vi\u1ebft.\nTh\u1ef1c t\u1ebf l\u00e0 c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i truy\u1ec1n th\u1ed1ng c\u00f3 xu h\u01b0\u1edbng th\u1ed1ng nh\u1ea5t l\u00e0m t\u0103ng th\u00eam m\u1ed9t l\u1edbp ph\u1ee9c t\u1ea1p cho c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i th\u1ecb tr\u01b0\u1eddng trung b\u00ecnh, nh\u1eefng ng\u01b0\u1eddi t\u00ecm c\u00e1ch gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch ph\u00e2n bi\u1ec7t m\u00ecnh v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ea1nh tranh. <\/p>\n\n

\u0110\u1ec3 c\u1ea3i thi\u1ec7n ph\u00e2n ph\u1ed1i v\u00e0 l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng, Friedman v\u00e0 c\u1ed9ng s\u1ef1 \u0111\u1ec1 ngh\u1ecb c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i b\u1eaft \u0111\u1ea7u nh\u00ecn xa h\u01a1n c\u00e1c s\u1ea3n ph\u1ea9m c\u1ed1t l\u00f5i c\u1ee7a h\u1ecd sang c\u00e1c d\u1ecbch v\u1ee5 gi\u00e1 tr\u1ecb gia t\u0103ng.\nCh\u00fang c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3 th\u00fac \u0111\u1ea9y c\u00e1c s\u1ea3n ph\u1ea9m c\u1ed1t l\u00f5i ho\u1eb7c quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c doanh nghi\u1ec7p phi b\u1ea3o hi\u1ec3m trong m\u1ed9t h\u1ec7 sinh th\u00e1i \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u1ed3ng th\u1eddi nhi\u1ec1u nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

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

Nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng th\u00fac \u0111\u1ea9y thay \u0111\u1ed5i ph\u00e2n ph\u1ed1i<\/h2>\n\n

Nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n x\u1eed l\u00fd ph\u00e2n ph\u1ed1i.\nNh\u1eefng nhu c\u1ea7u t\u01b0\u01a1ng t\u1ef1 c\u0169ng \u0111ang b\u1eaft \u0111\u1ea7u \u0111\u1ecbnh h\u00ecnh c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi ch\u00ednh tr\u1ecb th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n

V\u00ed d\u1ee5, c\u00e1c ch\u1ee7 doanh nghi\u1ec7p \u0111\u00e3 t\u00ecm ki\u1ebfm c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn kinh doanh b\u1eb1ng k\u1ef9 thu\u1eadt s\u1ed1, Harry Huberty, Ti\u1ebfn s\u0129<\/a>, m\u1ed9t c\u1ed9ng s\u1ef1 t\u1ea1i c\u00f4ng ty t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m Novarica cho bi\u1ebft.\nDo \u0111\u00f3, h\u1ecd c\u0169ng s\u1eb5n s\u00e0ng t\u00ecm ngu\u1ed3n b\u1ea3o hi\u1ec3m theo c\u00e1ch t\u01b0\u01a1ng t\u1ef1. <\/p>\n\n

“Ph\u1ea7n l\u1edbn c\u00e1c ch\u1ee7 doanh nghi\u1ec7p \u1edf c\u00e1c nh\u00f3m tu\u1ed5i \/ thu nh\u1eadp \u0111\u00e3 qu\u1ea3n l\u00fd c\u00e1c m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng kinh doanh tr\u1ef1c tuy\u1ebfn; Ph\u1ea7n l\u1edbn nh\u1eefng ng\u01b0\u1eddi d\u01b0\u1edbi 45 tu\u1ed5i th\u1ef1c hi\u1ec7n h\u1ea7u h\u1ebft ho\u1eb7c t\u1ea5t c\u1ea3 vi\u1ec7c mua h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1”, \u00f4ng gi\u1ea3i th\u00edch.\nKh\u00e1ch h\u00e0ng c\u00f3 m\u1eb7t; Nh\u1eefng g\u00ec h\u1ecd thi\u1ebfu l\u00e0 nh\u1eadn th\u1ee9c v\u00e0 ti\u1ebfp c\u1eadn v\u1edbi ph\u00e2n ph\u1ed1i th\u01b0\u01a1ng m\u1ea1i tr\u1ef1c tuy\u1ebfn. <\/p>\n\n

Khi kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ec3 k\u1ebft n\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i tr\u1ef1c tuy\u1ebfn, h\u1ecd b\u1eaft \u0111\u1ea7u t\u00ecm ki\u1ebfm c\u00e1c ngu\u1ed3n b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn kh\u00e1c – v\u00e0 c\u00e1c doanh nghi\u1ec7p kh\u00e1c \u0111\u00e3 s\u1eb5n s\u00e0ng l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng \u0111\u00f3.\nC\u00e1c c\u00f4ng ty nh\u01b0 Overstock.com v\u00e0 Wal-Mart cung c\u1ea5p m\u1ed9t minh h\u1ecda: C\u1ea3 hai c\u00f4ng ty \u0111\u1ec1u cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u01a1 h\u1ed9i mua s\u1eafm c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 h\u00e0ng h\u00f3a b\u00e1n l\u1ebb \u1edf nhi\u1ec1u ti\u1ec3u bang.\nM\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Accenture cho th\u1ea5y 66% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi s\u1eb5n s\u00e0ng mua b\u1ea3o hi\u1ec3m t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c kh\u00e1c ngo\u00e0i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

“C\u1ea1nh tranh trong ng\u00e0nh b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 nhanh ch\u00f3ng t\u0103ng l\u00ean khi ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1edf n\u00ean c\u1edfi m\u1edf v\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 t\u1eeb c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh truy\u1ec1n th\u1ed1ng nh\u01b0 ng\u00e2n h\u00e0ng m\u00e0 c\u00f2n t\u1eeb nh\u1eefng g\u00e3 kh\u1ed5ng l\u1ed3 Internet”, Michael Lyman<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh chi\u1ebfn l\u01b0\u1ee3c c\u1ea5p cao t\u1ea1i Accenture cho bi\u1ebft.<\/p>\n\n

Ph\u00e2n ph\u1ed1i th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng tr\u00e1nh kh\u1ecfi s\u1ef1 thay \u0111\u1ed5i l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng sang c\u00e1c ngu\u1ed3n ph\u00e2n ph\u1ed1i kh\u00f4ng ph\u1ea3i c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang n\u1eafm l\u1ea5y s\u1ef1 s\u1eb5n s\u00e0ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 nh\u00ecn xa h\u01a1n b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng \u0111\u1ec3 thu h\u00fat s\u1ef1 ch\u00fa \u00fd c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

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

Ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i so v\u1edbi gi\u00e1 c\u1ea3: Duy tr\u00ec s\u1ef1 c\u00e2n b\u1eb1ng<\/h2>\n\n

Cu\u1ed1i c\u00f9ng, \u0111i\u1ec1u h\u01b0\u1edbng nh\u1eefng th\u00e1ch th\u1ee9c ph\u00e2n ph\u1ed1i khi \u0111\u1ed1i m\u1eb7t v\u1edbi gi\u00e1 c\u1ea3 t\u0103ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c.<\/p>\n\n

Th\u1ee9 nh\u1ea5t, trong khi gi\u00e1 \u0111ang t\u0103ng \u1edf nhi\u1ec1u ph\u00e2n kh\u00fac b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i, ch\u00fang kh\u00f4ng t\u0103ng v\u1edbi c\u00f9ng t\u1ed1c \u0111\u1ed9 \u1edf m\u1ecdi ph\u00e2n kh\u00fac, c\u0169ng kh\u00f4ng t\u0103ng v\u1edbi c\u00f9ng t\u1ed1c \u0111\u1ed9 \u1edf t\u1ea5t c\u1ea3 c\u00e1c khu v\u1ef1c \u0111\u1ecba l\u00fd.<\/p>\n\n

C\u1ee5 th\u1ec3, gi\u00e1 b\u1ea3o hi\u1ec3m x\u00e2y d\u1ef1ng th\u01b0\u01a1ng m\u1ea1i \u0111ang t\u0103ng tr\u00ean kh\u1eafp Hoa K\u1ef3, nh\u01b0ng nhanh h\u01a1n tr\u00ean b\u1edd bi\u1ec3n so v\u1edbi \u1edf Trung T\u00e2y.\n“Khu v\u1ef1c New York \u0111ang ch\u1ee9ng ki\u1ebfn m\u1ee9c t\u0103ng l\u00e3i su\u1ea5t hai v\u00e0 ba con s\u1ed1, v\u1edbi m\u1ed9t s\u1ed1 c\u00f4ng ty x\u00e2y d\u1ef1ng hi\u1ec7n \u0111ang giao d\u1ecbch gi\u1edbi h\u1ea1n ph\u00ed b\u1ea3o hi\u1ec3m”, Andy Horan<\/a> v\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p t\u1ea1i CRC Group vi\u1ebft. <\/p>\n\n

Ngo\u00e0i ra, gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u1ee7a b\u1ea5t \u0111\u1ed9ng s\u1ea3n, h\u00e0ng kh\u00f4ng, \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i, c\u00f4ng ty \u0111\u1ea1i ch\u00fang D &O v\u00e0 b\u1ea3o hi\u1ec3m \u00f4 \u0111ang t\u0103ng nhanh h\u01a1n so v\u1edbi c\u00e1c t\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00e1c, Jared Shelly<\/a> t\u1ea1i Risk &; Insurance cho bi\u1ebft.<\/p>\n\n

Thay \u0111\u1ed5i t\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng.\nKhi gi\u00e1 t\u0103ng, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u mua s\u1eafm v\u1ec1 gi\u00e1, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00ecm ki\u1ebfm \u0111\u01b0\u1ee3c coi l\u00e0 ti\u00eau chu\u1ea9n tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, khi gi\u00e1 thay \u0111\u1ed5i kh\u00e1c nhau gi\u1eefa m\u1ed9t ph\u00e2n kh\u00fac th\u1ecb tr\u01b0\u1eddng, h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng thay \u0111\u1ed5i theo c\u00e1c m\u00f4 h\u00ecnh kh\u00e1c nhau.\nV\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m \u0111\u1ed9i xe c\u00f3 th\u1ec3 gi\u1ea3m b\u1ea3o hi\u1ec3m va ch\u1ea1m nh\u01b0ng v\u1eabn duy tr\u00ec b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u00edch c\u01a1 th\u1ec3 hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd n\u1ebfu t\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m va ch\u1ea1m th\u01b0\u01a1ng m\u1ea1i t\u0103ng nhanh h\u01a1n t\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u00edch. <\/p>\n\n

\u0110\u1ec3 c\u1ea3i thi\u1ec7n gi\u00e1 c\u1ea3, h\u00e3y n\u1eafm b\u1eaft c\u00e1c t\u00f9y ch\u1ecdn ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1.\nKhi c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i t\u1eadp trung v\u00e0o t\u00ednh kinh t\u1ebf theo quy m\u00f4, ph\u00e2n t\u00edch ti\u1ebfp th\u1ecb v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, h\u1ecd c\u00f3 c\u01a1 h\u1ed9i t\u1ed1t h\u01a1n \u0111\u1ec3 x\u00e2y d\u1ef1ng c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd, Peter Manchester<\/a> t\u1ea1i EY vi\u1ebft. <\/p>\n\n

“Cu\u1ed9c \u0111\u1ed1i tho\u1ea1i c\u1ee7a ch\u00fang t\u00f4i v\u1edbi c\u00e1c b\u00ean li\u00ean quan trong ng\u00e0nh v\u00e0 ph\u00e2n t\u00edch hi\u1ec7u qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau d\u1eabn ch\u00fang t\u00f4i \u0111\u1ebfn k\u1ebft lu\u1eadn r\u1eb1ng m\u1ed9t ho\u1eb7c hai h\u00e3ng v\u1eadn t\u1ea3i th\u01b0\u01a1ng m\u1ea1i nh\u1ecf c\u00f3 th\u1ec3 chi\u1ebfm th\u1ecb ph\u1ea7n l\u1edbn, th\u1eadm ch\u00ed chi\u1ebfm \u01b0u th\u1ebf – l\u00ean t\u1edbi 30%, so v\u1edbi %-6% hi\u1ec7n nay” th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ph\u00e1p n\u00e0y, \u00f4ng gi\u1ea3i th\u00edch.<\/p>\n\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1, gi\u00e1 c\u1ea3 v\u00e0 s\u1eafc th\u00e1i trong c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u00ean to\u00e0n l\u0129nh v\u1ef1c th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c cho vi\u1ec7c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i.\nTuy nhi\u00ean, m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u1eadn d\u1ee5ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng th\u00e1ch th\u1ee9c kh\u00e1c.\nV\u1edbi c\u00e1c c\u00f4ng c\u1ee5 ph\u00f9 h\u1ee3p, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng ch\u1ec9 c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n ph\u00e2n ph\u1ed1i m\u00e0 c\u00f2n thu h\u00fat kh\u00e1ch h\u00e0ng trung th\u00e0nh v\u00e0 chi\u1ebfm th\u1ecb ph\u1ea7n, ngay c\u1ea3 khi th\u1ecb tr\u01b0\u1eddng c\u1ee9ng l\u1ea1i. <\/p>\n\n

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

B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3 v\u00e0o n\u0103m 2020. Trong khi vi\u1ec7c t\u0103ng gi\u00e1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i chi\u1ebfm \u01b0u th\u1ebf tr\u00ean c\u00e1c ti\u00eau \u0111\u1ec1, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t v\u1ea5n \u0111\u1ec1 dai d\u1eb3ng kh\u00f4ng k\u00e9m nh\u01b0ng \u00edt \u0111\u01b0\u1ee3c th\u1ea3o […]<\/p>\n","protected":false},"featured_media":8042,"template":"","insight-category":[],"class_list":["post-20785","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20785","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\/8042"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20785"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20785"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}