{"id":21212,"date":"2024-09-30T14:23:55","date_gmt":"2024-09-30T19:23:55","guid":{"rendered":"https:\/\/bolttech.io\/insights\/giao-duc-khach-hang-bao-hiem-trong-nen-kinh-te-chia-se\/"},"modified":"2024-09-30T14:24:04","modified_gmt":"2024-09-30T19:24:04","slug":"giao-duc-khach-hang-bao-hiem-trong-nen-kinh-te-chia-se","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/giao-duc-khach-hang-bao-hiem-trong-nen-kinh-te-chia-se\/","title":{"rendered":"Gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb"},"content":{"rendered":"\n

Khi Uber v\u00e0 Airbnb l\u1ea7n \u0111\u1ea7u ti\u00ean xu\u1ea5t hi\u1ec7n tr\u00ean s\u00e2n kh\u1ea5u th\u1ebf gi\u1edbi, h\u1ecd \u0111\u00e3 \u0111\u01b0a ra m\u1ed9t \u00fd t\u01b0\u1edfng m\u1edbi s\u1ebd x\u00e1c \u0111\u1ecbnh l\u1ea1i quy\u1ec1n s\u1edf h\u1eefu t\u01b0 nh\u00e2n.\nM\u00f4 h\u00ecnh kinh doanh n\u00e0y cho ph\u00e9p m\u1ecdi ng\u01b0\u1eddi ki\u1ebfm ti\u1ec1n t\u1eeb c\u00e1c t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3, nh\u01b0 xe h\u01a1i v\u00e0 nh\u00e0 c\u1eeda, b\u1eb1ng c\u00e1ch chia s\u1ebb ch\u00fang v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00e1c. <\/p>\n\n

C\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng \u0111\u00e3 \u0111i \u0111\u1ea7u trong n\u1ec1n kinh t\u1ebf chia s\u1ebb, gi\u00fap c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ec5 d\u00e0ng k\u1ebft n\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i xe v\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0 ngay l\u1eadp t\u1ee9c, Andrea Wells<\/a> cho bi\u1ebft tr\u00ean T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m. <\/p>\n\n

B\u1ea5t ch\u1ea5p s\u1ef1 ch\u1ea5p nh\u1eadn nhanh ch\u00f3ng c\u1ee7a n\u1ec1n kinh t\u1ebf chia s\u1ebb, nh\u1eadn th\u1ee9c v\u1ec1 b\u1ea3o hi\u1ec3m \u0111\u00e3 kh\u00f4ng theo k\u1ecbp.\nV\u00ed d\u1ee5, Nigel Walsh<\/a> t\u1ea1i Insurance Thought Leadership ch\u1ec9 ra r\u1eb1ng khi m\u1ed9t t\u00e0i x\u1ebf Uber ho\u1eb7c ch\u1ee7 nh\u00e0 Airbnb kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m th\u00edch h\u1ee3p, m\u1ed9t tai n\u1ea1n c\u00f3 th\u1ec3 g\u00e2y ra b\u1ea5t \u1ed5n t\u00e0i ch\u00ednh.\nNg\u01b0\u1eddi thu\u00ea nh\u00e0 v\u00e0 ng\u01b0\u1eddi \u0111i xe c\u0169ng kh\u00f4ng ngh\u0129 \u0111\u1ebfn vi\u1ec7c mua b\u1ea3o hi\u1ec3m. <\/p>\n\n

B\u1eb1ng c\u00e1ch gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a b\u1ea3o hi\u1ec3m cho c\u00e1c giao d\u1ecbch nh\u01b0 v\u1eady, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u0103ng c\u01b0\u1eddng ni\u1ec1m tin, th\u00fac \u0111\u1ea9y l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 l\u00e0m cho n\u1ec1n kinh t\u1ebf chia s\u1ebb hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n\n

B\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng so v\u1edbi n\u1ec1n kinh t\u1ebf chia s\u1ebb<\/h2>\n\n

Trong n\u1ec1n kinh t\u1ebf chia s\u1ebb, ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n c\u00f3 quy\u1ec1n ki\u1ec3m so\u00e1t kh\u00e1c nhau \u0111\u1ed1i v\u1edbi c\u00e1c t\u00ednh n\u0103ng an to\u00e0n v\u00e0 nguy c\u01a1 ti\u1ec1m \u1ea9n.\nV\u00ed d\u1ee5, trong tr\u01b0\u1eddng h\u1ee3p chia s\u1ebb nh\u00e0, ch\u1ee7 s\u1edf h\u1eefu kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 m\u1eb7t.\n\u0110i\u1ec1u n\u00e0y m\u1edf ra c\u01a1 h\u1ed9i cho r\u1ee7i ro tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd \u0111\u00e1ng k\u1ec3. <\/p>\n\n

H\u01a1n n\u1eefa, Gi\u00e1m \u0111\u1ed1c n\u1ed9i dung c\u1ee7a Wells Media Group Andrew G. Simpson<\/a> ch\u1ec9 ra r\u1eb1ng ngay c\u1ea3 nh\u1eefng ch\u1ee7 s\u1edf h\u1eefu ki\u1ec3m so\u00e1t t\u00e0i s\u1ea3n, nh\u01b0 t\u00e0i x\u1ebf Uber ho\u1eb7c Lyft, c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n c\u1ee7a h\u1ecd kh\u00e1c nhau khi ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng.<\/p>\n\n

Trong n\u1ed7 l\u1ef1c cung c\u1ea5p s\u1ef1 \u1ed5n \u0111\u1ecbnh cho nh\u1eefng ng\u01b0\u1eddi tham gia n\u1ec1n kinh t\u1ebf chia s\u1ebb, m\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u00e3 b\u1eaft \u0111\u1ea7u cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1ea1n ch\u1ebf cho nh\u1eefng ng\u01b0\u1eddi cung c\u1ea5p t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd \u0111\u1ec3 s\u1eed d\u1ee5ng.<\/p>\n\n

M\u1eb7c d\u00f9 c\u00e1c quy t\u1eafc b\u1ea3o hi\u1ec3m<\/a> c\u1ee7a Uber y\u00eau c\u1ea7u t\u00e0i x\u1ebf ph\u1ea3i mang theo s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ed1i thi\u1ec3u theo y\u00eau c\u1ea7u c\u1ee7a ti\u1ec3u bang c\u1ee7a h\u1ecd, nh\u01b0ng n\u00f3 c\u0169ng cung c\u1ea5p b\u1ea3o hi\u1ec3m trong khi c\u00e1c t\u00e0i x\u1ebf tr\u1ef1c tuy\u1ebfn v\u1edbi Uber.\nS\u1ed1 ti\u1ec1n v\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o vi\u1ec7c t\u00e0i x\u1ebf \u0111ang \u0111\u1ee3i kh\u00e1ch h\u00e0ng, l\u00e1i xe c\u00f9ng kh\u00e1ch h\u00e0ng hay tr\u00ean \u0111\u01b0\u1eddng \u0111\u00f3n. <\/p>\n\n

T\u01b0\u01a1ng t\u1ef1, Airbnb cho bi\u1ebft b\u1ea3o hi\u1ec3m b\u1ea3o v\u1ec7 ch\u1ee7 nh\u00e0<\/a> c\u1ee7a h\u1ecd s\u1ebd bao g\u1ed3m c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng tr\u00e1ch nhi\u1ec7m l\u00ean t\u1edbi 1 tri\u1ec7u \u0111\u00f4 la tr\u00ean to\u00e0n th\u1ebf gi\u1edbi.\nTuy nhi\u00ean, ch\u00ednh s\u00e1ch kh\u00f4ng bao g\u1ed3m m\u1ed9t s\u1ed1 lo\u1ea1i thi\u1ec7t h\u1ea1i, bao g\u1ed3m thi\u1ec7t h\u1ea1i ho\u1eb7c th\u01b0\u01a1ng t\u00edch c\u00e1 nh\u00e2n do h\u00e0nh vi c\u1ed1 \u00fd. <\/p>\n\n

“Ng\u00e0nh b\u1ea3o hi\u1ec3m n\u00f3i chung \u0111\u00e3 kh\u00f4ng \u0111i \u0111\u1ebfn th\u1ecfa thu\u1eadn v\u1edbi kh\u00e1i ni\u1ec7m (v\u1ec1 Airbnb) b\u1edfi v\u00ec h\u1ecd kh\u00f4ng bi\u1ebft c\u00e1ch t\u00ednh ph\u00ed cho r\u1ee7i ro c\u1ee5 th\u1ec3”, Kelson Herman<\/a>, m\u1ed9t nh\u00e0 m\u00f4i gi\u1edbi c\u1ee7a Riskguard Insurance Solutions cho bi\u1ebft.<\/p>\n\n

Do \u0111\u00f3, nhi\u1ec1u ch\u1ee7 nh\u00e0 ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng Airbnb c\u1ee7a h\u1ecd v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.<\/p>\n\n

Kh\u00e1ch h\u00e0ng c\u00f3 hi\u1ec3u r\u1ee7i ro kh\u00f4ng?<\/h2>\n\n

\u0110\u1ec3 gi\u00fap l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng trong vi\u1ec7c chia s\u1ebb c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m kinh t\u1ebf, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn \u0111\u00e3 b\u1eaft \u0111\u1ea7u cung c\u1ea5p b\u1ea3o hi\u1ec3m chia s\u1ebb xe.\nTuy nhi\u00ean, b\u1ea3o hi\u1ec3m n\u00e0y kh\u00f4ng c\u00f3 s\u1eb5n \u1edf m\u1ecdi ti\u1ec3u bang v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 kh\u00f4ng hi\u1ec3u b\u1ea3o hi\u1ec3m \u0111i chung xe bao g\u1ed3m nh\u1eefng g\u00ec ho\u1eb7c l\u1ef1a ch\u1ecdn c\u1ee7a h\u1ecd l\u00e0 g\u00ec n\u1ebfu h\u1ecd kh\u00f4ng ho\u1eb7c kh\u00f4ng th\u1ec3 mua b\u1ea3o hi\u1ec3m \u0111i chung xe. <\/p>\n\n

V\u00ed d\u1ee5, khi b\u1ea3o hi\u1ec3m \u0111i chung xe kh\u00f4ng c\u00f3 s\u1eb5n, nh\u1eefng ng\u01b0\u1eddi tham gia \u0111i chung xe n\u00ean c\u00e2n nh\u1eafc mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i, nh\u00e0 v\u0103n b\u1ea3o hi\u1ec3m Lacie Glover<\/a> n\u00f3i.\nNh\u01b0ng trong khi ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a Uber l\u00e0 ch\u1ee7 y\u1ebfu so v\u1edbi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00e1 nh\u00e2n, n\u00f3 ch\u1ec9 l\u00e0 th\u1ee9 y\u1ebfu so v\u1edbi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n

“V\u1edbi ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do trong n\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n k\u1ebft h\u1ee3p v\u00e0 g\u1eafn t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd v\u00e0o S-Corp cho LLC, \u0111\u00f3 l\u00e0 m\u1ed9t \u0111i\u1ec3m d\u1eef li\u1ec7u c\u1ef1c k\u1ef3 quan tr\u1ecdng”, Nicholas Pell<\/a> t\u1ea1i The Simple Dollar n\u00f3i.<\/p>\n\n

\u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u00f3 th\u1ec3 khi\u1ebfn c\u00e1c ch\u1ee7 ph\u01b0\u01a1ng ti\u1ec7n kh\u00f4ng hi\u1ec3u ph\u1ea1m vi b\u1ea3o hi\u1ec3m ch\u00ednh ho\u1eb7c ph\u1ee5 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n

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

L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thu h\u1eb9p kho\u1ea3ng c\u00e1ch<\/h2>\n\n

“N\u1ec1n kinh t\u1ebf gig \u0111\u00e3 t\u1ea1o ra kh\u1ea3 n\u0103ng cho nhi\u1ec1u ng\u01b0\u1eddi h\u01a1n nh\u1eadn c\u00e1c c\u00f4ng vi\u1ec7c b\u00e1n th\u1eddi gian, \u0111\u1eb7c bi\u1ec7t. S\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 m\u00f4i gi\u1edbi hi\u1ec7n c\u00f3 th\u1ec3 b\u00e1n b\u1ea3o hi\u1ec3m b\u1ed5 sung \u0111\u00e3 b\u00f9ng n\u1ed5, ” Laird Rixford<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a T\u1eadp \u0111o\u00e0n C\u00f4ng ngh\u1ec7 B\u1ea3o hi\u1ec3m cho bi\u1ebft.<\/p>\n\n

Tuy nhi\u00ean, \u0111\u1ec3 kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m, tr\u01b0\u1edbc ti\u00ean h\u1ecd ph\u1ea3i hi\u1ec3u h\u1ecd c\u1ea7n b\u1ea3o hi\u1ec3m g\u00ec.\nKhi kh\u00e1ch h\u00e0ng kh\u00f4ng mua b\u1ea3o hi\u1ec3m h\u1ecd c\u1ea7n, h\u1ecd s\u1ebd g\u1eb7p r\u1ee7i ro l\u1edbn h\u01a1n.\nTrong khi \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd b\u1ecf l\u1ee1 m\u1ed1i quan h\u1ec7 kinh doanh m\u00e0 h\u1ecd c\u00f3 th\u1ec3 \u0111ang vun \u0111\u1eafp v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. <\/p>\n\n

May m\u1eafn thay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 b\u01b0\u1edbc \u0111\u1ec3 l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng n\u00e0y.\nTh\u00f4ng tin v\u1ec1 \u0111i chung xe, chia s\u1ebb nh\u00e0 v\u00e0 c\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m kinh t\u1ebf chia s\u1ebb kh\u00e1c c\u00f3 th\u1ec3 \u0111\u01a1n gi\u1ea3n nh\u01b0 m\u1ed9t trang web duy nh\u1ea5t m\u00f4 t\u1ea3 c\u00e1c k\u1ecbch b\u1ea3n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn b\u1eb1ng c\u00e1c thu\u1eadt ng\u1eef \u0111\u01a1n gi\u1ea3n.\nC\u00e1ch ti\u1ebfp c\u1eadn th\u00e2n thi\u1ec7n v\u1edbi thi\u1ebft b\u1ecb di \u0111\u1ed9ng c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng \u0111\u1ea3m b\u1ea3o h\u1ecd \u0111\u01b0\u1ee3c bao ph\u1ee7 trong n\u1ec1n kinh t\u1ebf chia s\u1ebb. <\/p>\n\n

Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00f3 th\u1ec3 \u0111\u00e1ng \u0111\u1ec3 gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a n\u1ec1n kinh t\u1ebf chia s\u1ebb.\nV\u00ed d\u1ee5, nh\u00e0 b\u00ecnh lu\u1eadn ti\u1ebfp th\u1ecb k\u1ef9 thu\u1eadt s\u1ed1 Joe Ballestros<\/a> ch\u1ec9 ra \u0111\u1ea3m b\u1ea3o n\u1ec1n t\u1ea3ng B\u1ea3o v\u1ec7 m\u00e1y ch\u1ee7 c\u1ee7a Airbnb.\nTr\u00e1i ng\u01b0\u1ee3c v\u1edbi nh\u1eefng g\u00ec nhi\u1ec1u ng\u01b0\u1eddi tin, \u0111\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ea3o hi\u1ec3m.\nDo \u0111\u00f3, n\u00f3 kh\u00f4ng \u0111i k\u00e8m v\u1edbi c\u00e1c quy\u1ec1n v\u00e0 s\u1ef1 b\u1ea3o v\u1ec7 c\u1ee7a m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng. <\/p>\n\n

B\u1ea3o l\u00e3nh c\u1ee7a Airbnb c\u0169ng kh\u00f4ng bao g\u1ed3m t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n b\u00ean trong c\u0103n h\u1ed9 cho thu\u00ea, Madeline Sibley<\/a> t\u1ea1i Clearsurance cho bi\u1ebft.\n\u0110i\u1ec1u n\u00e0y \u0111\u00fang ngay c\u1ea3 khi m\u1ed9t ch\u00ednh s\u00e1ch ch\u1ee7 nh\u00e0 th\u00f4ng th\u01b0\u1eddng s\u1ebd bao g\u1ed3m c\u00e1c m\u1ee5c \u0111\u00f3. <\/p>\n\n

M\u00f4 h\u00ecnh n\u1ec1n kinh t\u1ebf chia s\u1ebb<\/h2>\n\n

N\u1ec1n kinh t\u1ebf chia s\u1ebb \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, cung c\u1ea5p quy\u1ec1n truy c\u1eadp theo y\u00eau c\u1ea7u v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 m\u1ecdi ng\u01b0\u1eddi c\u1ea7n.\nV\u00ed d\u1ee5: c\u00e1c \u1ee9ng d\u1ee5ng cung c\u1ea5p hi\u1ec7u qu\u1ea3 nh\u01b0 x\u00e1c th\u1ef1c ID v\u00e0 \u0111\u1ecbnh v\u1ecb \u0111\u1ecba l\u00fd.\nCh\u1ee9c n\u0103ng nh\u01b0 v\u1eady kh\u00f4ng c\u00f3 s\u1eb5n th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng kh\u00e1c, Julie Hoffman<\/a> c\u1ee7a Adobe n\u00f3i. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m kinh t\u1ebf chia s\u1ebb c\u1ee7a h\u1ecd tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng c\u1ea7n b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u cao h\u01a1n nhi\u1ec1u.\nM\u1ed9t \u1ee9ng d\u1ee5ng k\u1ebft n\u1ed1i kh\u00e1ch h\u00e0ng v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 n\u00e2ng cao nh\u1eadn th\u1ee9c v\u1ec1 nhu c\u1ea7u b\u1ea3o hi\u1ec3m, t\u1eeb \u0111\u00f3 t\u0103ng mua h\u1ee3p \u0111\u1ed3ng. <\/p>\n\n

M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang \u0111i tr\u01b0\u1edbc n\u1ec1n kinh t\u1ebf chia s\u1ebb b\u1eb1ng c\u00e1ch t\u00ecm ki\u1ebfm c\u00e1c m\u00f4 h\u00ecnh c\u1ed5 phi\u1ebfu m\u1edbi n\u1ed5i v\u00e0 h\u00ecnh dung ra c\u00e1c c\u00e1ch \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m.<\/p>\n\n

V\u00ed d\u1ee5, Ryan Ward<\/a> t\u1ea1i American Modern Insurance Group gi\u1ea3i th\u00edch c\u00e1ch T\u1eadp \u0111o\u00e0n Munich Re t\u1eadp trung s\u1ef1 ch\u00fa \u00fd v\u00e0o c\u00e1c c\u00f4ng ty chia s\u1ebb xe h\u01a1i nh\u01b0 ZipCar.\nH\u1ecd c\u0169ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c m\u00f4 h\u00ecnh chia s\u1ebb xe m\u1edbi n\u1ed5i \u0111ang \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n b\u1edfi m\u1ed9t s\u1ed1 nh\u00e0 s\u1ea3n xu\u1ea5t xe h\u01a1i l\u1edbn.\nTham gia v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y trong giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u s\u1edbm v\u00e0 th\u00f4ng tin chi ti\u1ebft m\u00e0 h\u1ecd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1ea1o ra c\u00e1c m\u00f4 h\u00ecnh t\u00ednh to\u00e1n t\u1ed1t h\u01a1n. <\/p>\n\n

Thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u trong n\u1ec1n kinh t\u1ebf chia s\u1ebb v\u1eabn c\u00f2n non tr\u1ebb.\n\u0110i\u1ec1u n\u00e0y c\u00f3 li\u00ean quan nhi\u1ec1u \u0111\u1ebfn th\u1ef1c t\u1ebf l\u00e0 n\u1ec1n kinh t\u1ebf chia s\u1ebb v\u00e0 b\u1ea3o hi\u1ec3m \u0111\u00e3 kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c ti\u1ec1m n\u0103ng c\u1ee7a h\u1ecd v\u1edbi t\u01b0 c\u00e1ch l\u00e0 \u0111\u1ed1i t\u00e1c, Tarun Wadhwa<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp Day One Insights n\u00f3i.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung n\u1ed7 l\u1ef1c c\u1ee7a h\u1ecd \u1edf \u0111\u00e2y c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng th\u1ea5y m\u00ecnh \u0111\u01b0\u1ee3c \u0111\u1ec1n \u0111\u00e1p khi n\u1ec1n kinh t\u1ebf chia s\u1ebb ph\u00e1t tri\u1ec3n. <\/p>\n\n

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

T\u01b0\u01a1ng lai c\u1ee7a n\u1ec1n kinh t\u1ebf chia s\u1ebb<\/h2>\n\n

N\u1ec1n kinh t\u1ebf chia s\u1ebb d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng tr\u01b0\u1edfng kh\u00f4ng \u0111\u1ed3ng \u0111\u1ec1u trong n\u0103m 2019 v\u00e0 h\u01a1n th\u1ebf n\u1eefa, theo April Rinne<\/a> t\u1ea1i Big Think.\nV\u00ed d\u1ee5, trong khi c\u1ea3 Lyft v\u00e0 Uber \u0111\u1ec1u \u0111\u00e3 n\u1ed9p \u0111\u01a1n xin IPO, c\u00e1c c\u00f4ng ty kinh t\u1ebf chia s\u1ebb kh\u00e1c nh\u01b0 Ofo c\u1ee7a Trung Qu\u1ed1c \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi ph\u00e1 s\u1ea3n. <\/p>\n\n

“Trong cu\u1ed9c \u0111ua ph\u00e1t tri\u1ec3n, ch\u00fang ta kh\u00f4ng th\u1ec3 qu\u00ean r\u1eb1ng vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb th\u1ecbnh v\u01b0\u1ee3ng, b\u1ec1n v\u1eefng ph\u1ee5 thu\u1ed9c ch\u1ee7 y\u1ebfu v\u00e0o hai y\u1ebfu t\u1ed1: thay \u0111\u1ed5i t\u01b0 duy v\u00e0 ni\u1ec1m tin”.<\/p>\n\n

S\u1ef1 tin t\u01b0\u1edfng \u0111\u00f3 \u0111ang t\u0103ng ch\u1eadm.\nM\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a Lloyd’s of London cho th\u1ea5y 58% ng\u01b0\u1eddi ti\u00eau d\u00f9ng M\u1ef9 v\u00e0 Anh v\u1eabn tin r\u1eb1ng r\u1ee7i ro c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 chia s\u1ebb l\u1edbn h\u01a1n l\u1ee3i \u00edch, David McCann<\/a> trong CFO cho bi\u1ebft.\nKh\u00e1ch h\u00e0ng Trung Qu\u1ed1c nhi\u1ec7t t\u00ecnh h\u01a1n: \u1edf \u0111\u00f3, ch\u1ec9 c\u00f3 32% coi d\u1ecbch v\u1ee5 chia s\u1ebb l\u00e0 r\u1ee7i ro. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u00fap x\u00e2y d\u1ef1ng ni\u1ec1m tin n\u00e0y theo hai c\u00e1ch.\n\u0110\u1ea7u ti\u00ean, h\u1ecd c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 chia s\u1ebb m\u1ed9t c\u00e1ch an to\u00e0n.\nTi\u1ebfp theo, h\u1ecd c\u00f3 th\u1ec3 c\u00f4ng khai nh\u1eefng n\u1ed7 l\u1ef1c \u0111\u00f3 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00e1c d\u1ecbch v\u1ee5 \u0111\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n

Kho\u1ea3ng 70% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi trong cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a Lloyd’s \u0111\u1ed3ng \u00fd r\u1eb1ng h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng tham gia v\u00e0o n\u1ec1n kinh t\u1ebf chia s\u1ebb n\u1ebfu h\u1ecd bi\u1ebft r\u1eb1ng c\u00e1c d\u1ecbch v\u1ee5 ho\u1eb7c t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1edfi b\u1ea3o hi\u1ec3m.<\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: Antonio Guillem\/\u00a9123RF.com, belchonock\/\u00a9123RF.com, Anek Suwannaphoom\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Khi Uber v\u00e0 Airbnb l\u1ea7n \u0111\u1ea7u ti\u00ean xu\u1ea5t hi\u1ec7n tr\u00ean s\u00e2n kh\u1ea5u th\u1ebf gi\u1edbi, h\u1ecd \u0111\u00e3 \u0111\u01b0a ra m\u1ed9t \u00fd t\u01b0\u1edfng m\u1edbi s\u1ebd x\u00e1c \u0111\u1ecbnh l\u1ea1i quy\u1ec1n s\u1edf h\u1eefu t\u01b0 nh\u00e2n. M\u00f4 h\u00ecnh kinh doanh n\u00e0y cho ph\u00e9p m\u1ecdi ng\u01b0\u1eddi ki\u1ebfm ti\u1ec1n t\u1eeb c\u00e1c t\u00e0i s\u1ea3n hi\u1ec7n c\u00f3, nh\u01b0 xe h\u01a1i v\u00e0 nh\u00e0 c\u1eeda, b\u1eb1ng […]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-21212","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21212","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:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21212"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}