{"id":21221,"date":"2024-09-30T14:24:08","date_gmt":"2024-09-30T19:24:08","guid":{"rendered":"https:\/\/bolttech.io\/insights\/bao-hiem-trong-nen-kinh-te-chia-se-cach-hieu-va-danh-gia-rui-ro\/"},"modified":"2024-10-29T09:02:40","modified_gmt":"2024-10-29T14:02:40","slug":"bao-hiem-trong-nen-kinh-te-chia-se-cach-hieu-va-danh-gia-rui-ro","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/bao-hiem-trong-nen-kinh-te-chia-se-cach-hieu-va-danh-gia-rui-ro\/","title":{"rendered":"B\u1ea3o hi\u1ec3m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb: C\u00e1ch hi\u1ec3u v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro"},"content":{"rendered":"\n

C\u00e1c n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch m\u1ecdi ng\u01b0\u1eddi giao ti\u1ebfp, t\u01b0\u01a1ng t\u00e1c v\u00e0 chia s\u1ebb t\u00e0i nguy\u00ean.\nTuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 nh\u1eefng r\u1ee7i ro v\u00e0 m\u1ed1i \u0111e d\u1ecda ti\u1ec1m \u1ea9n do tham gia v\u00e0o n\u1ec1n kinh t\u1ebf chia s\u1ebb. <\/p>\n\n

Trong m\u1ed9t nghi\u00ean c\u1ee9u<\/a> c\u1ee7a Lloyd’s of London, m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi \u1edf M\u1ef9 ch\u01b0a bao gi\u1edd s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb, v\u1edbi l\u00fd do lo ng\u1ea1i v\u1ec1 an to\u00e0n c\u00e1 nh\u00e2n, thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n v\u00e0 thi\u1ebfu c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7. Trong khi 97% cho r\u1eb1ng c\u00e1c d\u1ecbch v\u1ee5 kinh t\u1ebf chia s\u1ebb \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo m\u1ed9t c\u00e1ch n\u00e0o \u0111\u00f3, ch\u01b0a \u0111\u1ebfn m\u1ed9t ph\u1ea7n ba x\u00e1c minh gi\u1ea3 \u0111\u1ecbnh n\u00e0y tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 kinh t\u1ebf chia s\u1ebb.<\/p>\n\n

B\u1ea3o hi\u1ec3m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 x\u00e2y d\u1ef1ng ni\u1ec1m tin v\u00e0 \u0111\u1ed9 tin c\u1eady.\nTuy nhi\u00ean, \u0111\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i x\u00e1c \u0111\u1ecbnh, \u0111\u00e1nh gi\u00e1 v\u00e0 gi\u1ea3i quy\u1ebft m\u1ed9t s\u1ed1 r\u1ee7i ro. <\/p>\n\n

Chia s\u1ebb tr\u01b0\u1edbc, \u0111\u00e1nh gi\u00e1 sau?<\/h2>\n\n

T\u1eeb thu\u1ed1c \u0111\u1ebfn \u0111\u1ed3 ch\u01a1i tr\u1ebb em, nhi\u1ec1u s\u1ea3n ph\u1ea9m ch\u1ec9 \u0111i v\u00e0o n\u1ec1n kinh t\u1ebf sau khi v\u01b0\u1ee3t qua m\u1ed9t ph\u00e2n t\u00edch nghi\u00eam ng\u1eb7t v\u1ec1 t\u00ednh an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3.\nTuy nhi\u00ean, c\u00e1c n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb \u0111\u00e3 ra m\u1eaft v\u00e0 ph\u00e1t tri\u1ec3n m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 ki\u1ec3m tra nh\u01b0 v\u1eady.\n\u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn c\u00e1c t\u00ecnh hu\u1ed1ng trong \u0111\u00f3 c\u00e1c y\u1ebfu t\u1ed1 b\u00ean ngo\u00e0i kh\u00f4ng \u0111\u01b0\u1ee3c hi\u1ec3u r\u00f5, t\u1ea1o ra nh\u1eefng t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c \u0111\u00e1ng k\u1ec3, theo c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u Koen Frenken v\u00e0 Juliet Schor<\/a>. <\/p>\n\n

Chia s\u1ebb nh\u00e0 \u1edf ho\u1eb7c ph\u01b0\u01a1ng ti\u1ec7n c\u1ee7a m\u1ed9t ng\u01b0\u1eddi tr\u1ef1c ti\u1ebfp c\u0169ng d\u1eabn \u0111\u1ebfn c\u00e1c t\u00ecnh hu\u1ed1ng trong \u0111\u00f3 lu\u1eadt ho\u1eb7c quy \u0111\u1ecbnh an to\u00e0n c\u00f3 th\u1ec3 b\u1ecb b\u1ecf qua, \u0111\u01b0a m\u1ed9t bi\u1ebfn s\u1ed1 m\u1edbi kh\u00e1c v\u00e0o \u0111\u00e1nh gi\u00e1 r\u1ee7i ro.\nV\u00ed d\u1ee5, m\u1ed9t b\u00e1o c\u00e1o<\/a> th\u00e1ng 10 n\u0103m 2014 t\u1eeb T\u1ed5ng ch\u01b0\u1edfng l\u00fd New York cho th\u1ea5y 72% d\u1ecbch v\u1ee5 cho thu\u00ea Airbnb trong th\u00e0nh ph\u1ed1 New York vi ph\u1ea1m \u00edt nh\u1ea5t m\u1ed9t lu\u1eadt nh\u00e0 \u1edf ho\u1eb7c quy ho\u1ea1ch hi\u1ec7n h\u00e0nh. <\/p>\n\n

Airbnb \u0111\u00e3 b\u00e1c b\u1ecf ph\u00e1t hi\u1ec7n n\u00e0y.\n“M\u1ed7i ng\u00f4i nh\u00e0, c\u0103n h\u1ed9, h\u1ee3p t\u00e1c x\u00e3 v\u00e0 kh\u00f4ng gian s\u1ed1ng \u1edf New York \u0111\u1ec1u ph\u1ea3i tu\u00e2n theo v\u00f4 s\u1ed1 quy t\u1eafc, v\u00ec v\u1eady kh\u00f4ng th\u1ec3 \u0111\u01b0a ra tuy\u00ean b\u1ed1 chung chung n\u00e0y. S\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn v\u00e0 thi\u1ebfu r\u00f5 r\u00e0ng \u0111\u00f3 ch\u00ednh x\u00e1c l\u00e0 l\u00fd do t\u1ea1i sao ch\u00fang t\u00f4i \u1ee7ng h\u1ed9 c\u00e1c quy t\u1eafc r\u00f5 r\u00e0ng, c\u00f4ng b\u1eb1ng cho vi\u1ec7c chia s\u1ebb nh\u00e0”, ph\u00e1t ng\u00f4n vi\u00ean c\u1ee7a Airbnb Nick Papas<\/a> cho bi\u1ebft v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3. <\/p>\n\n

Trong khi \u0111\u00f3, ch\u1ee7 s\u1edf h\u1eefu nh\u00e0 v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n th\u01b0\u1eddng tham gia v\u00e0o n\u1ec1n kinh t\u1ebf chia s\u1ebb m\u00e0 kh\u00f4ng hi\u1ec3u r\u00f5 v\u1ec1 tai n\u1ea1n, th\u01b0\u01a1ng t\u00edch ho\u1eb7c thi\u1ec7t h\u1ea1i n\u00e0o \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong khi nh\u00e0, xe ho\u1eb7c c\u00e1c t\u00e0i s\u1ea3n kh\u00e1c c\u1ee7a h\u1ecd \u0111ang \u0111\u01b0\u1ee3c ng\u01b0\u1eddi kh\u00e1c s\u1eed d\u1ee5ng.<\/p>\n\n

“\u0110i\u1ec1u m\u00e0 h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi kh\u00f4ng nh\u1eadn ra l\u00e0 trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e0 ho\u1eb7c ch\u1ee7 nh\u00e0 ti\u00eau chu\u1ea9n c\u1ee7a h\u1ecd s\u1ebd kh\u00f4ng chi tr\u1ea3 cho h\u1ecd nh\u1eefng t\u1ed5n th\u1ea5t ho\u1eb7c tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i ho\u1ea1t \u0111\u1ed9ng cho ph\u00e9p ng\u1eafn h\u1ea1n n\u00e0y”, Louise Birritteri<\/a> c\u1ee7a Inlet n\u00f3i.<\/p>\n\n

Khi m\u1ed9t n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb c\u0169ng kh\u00f4ng cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 b\u1ecb b\u1ecf r\u01a1i.<\/p>\n\n

Nh\u00e0 \u1edf, ph\u00e2n v\u00f9ng v\u00e0 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c c\u00f3 th\u1ec3 ph\u1ee9c t\u1ea1p, nh\u01b0ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb l\u00e2u \u0111\u00e3 qu\u1ea3n l\u00fd \u0111\u1ec3 t\u00ednh \u0111\u1ebfn nh\u1eefng nhu c\u1ea7u ph\u00e1p l\u00fd n\u00e0y trong c\u00e1c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a h\u1ecd.\nTuy nhi\u00ean, khi c\u00e1c n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb kh\u00f4ng tu\u00e2n th\u1ee7 lu\u1eadt ph\u00e1p hi\u1ec7n h\u00e0nh, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i c\u00e2n b\u1eb1ng m\u1ed9t lo\u1ea1t c\u00e1c nhu c\u1ea7u v\u00e0 m\u1ed1i quan t\u00e2m m\u1edbi. <\/p>\n\n

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

H\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi tham gia trong n\u1ec1n kinh t\u1ebf chia s\u1ebb kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng h\u1ee3p l\u00fd<\/h2>\n\n

C\u00e1c n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb x\u00e2y d\u1ef1ng ni\u1ec1m tin gi\u1eefa nh\u1eefng ng\u01b0\u1eddi l\u1ea1 m\u1ed9t ph\u1ea7n th\u00f4ng qua vi\u1ec7c chia s\u1ebb th\u00f4ng tin v\u1ec1 m\u1ed7i ng\u01b0\u1eddi tham gia.\nM\u1eb7c d\u00f9 th\u00f4ng tin n\u00e0y v\u00e0 s\u1ef1 tin t\u01b0\u1edfng m\u00e0 n\u00f3 t\u1ea1o ra l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a n\u1ec1n kinh t\u1ebf chia s\u1ebb, nh\u01b0ng n\u00f3 c\u0169ng c\u00f3 th\u1ec3 g\u00e2y ra c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn s\u1ef1 thi\u00ean v\u1ecb, Niam Yaraghi v\u00e0 Shamika Ravi<\/a> \u1edf Brookings \u1ea4n \u0110\u1ed9 n\u00f3i. <\/p>\n\n

V\u00ed d\u1ee5, trong m\u1ed9t nghi\u00ean c\u1ee9u \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 tr\u00ean Advances in Consumer Research, Eyal Ert, Aliza Fleischer v\u00e0 Nathan Magen<\/a> \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng kh\u00e1ch Airbnb th\u01b0\u1eddng s\u1eed d\u1ee5ng \u1ea3nh c\u00e1 nh\u00e2n c\u1ee7a ch\u1ee7 nh\u00e0, thay v\u00ec \u1ea3nh cho thu\u00ea ho\u1eb7c \u0111\u00e1nh gi\u00e1, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ed9 tin c\u1eady c\u1ee7a ch\u1ee7 nh\u00e0. Ch\u1ee7 nh\u00e0 c\u00f3 \u1ea3nh c\u00f3 \u0111\u1ed9 tin c\u1eady cao nh\u1eadn \u0111\u01b0\u1ee3c gi\u00e1 ni\u00eam y\u1ebft cao h\u01a1n v\u00e0 \u0111\u01b0\u1ee3c \u0111\u1eb7t th\u01b0\u1eddng xuy\u00ean h\u01a1n.<\/p>\n\n

H\u01a1n n\u1eefa, trong m\u1ed9t ph\u00e2n t\u00edch v\u1ec1 125.000 danh s\u00e1ch Airbnb, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u Mehmet Cansoy v\u00e0 Juliet Schor<\/a> ph\u00e1t hi\u1ec7n ra r\u1eb1ng vi\u1ec7c cho thu\u00ea Airbnb \u1edf nh\u1eefng khu v\u1ef1c c\u00f3 thu nh\u1eadp cao h\u01a1n v\u00e0 t\u1ef7 l\u1ec7 c\u01b0 d\u00e2n da tr\u1eafng cao h\u01a1n c\u00f3 xu h\u01b0\u1edbng y\u00eau c\u1ea7u gi\u00e1 cao h\u01a1n v\u00e0 c\u00f3 nhu c\u1ea7u nhi\u1ec1u h\u01a1n, m\u1eb7c d\u00f9 nh\u1eefng danh s\u00e1ch n\u00e0y \u00edt ph\u1ed5 bi\u1ebfn h\u01a1n v\u00e0 c\u00f3 xu h\u01b0\u1edbng t\u00edch l\u0169y \u00edt \u0111\u00e1nh gi\u00e1 h\u01a1n.<\/p>\n\n

K\u1ef3 v\u1ecdng ch\u1ee7 quan v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 kinh t\u1ebf chia s\u1ebb c\u0169ng c\u00f3 th\u1ec3 thay \u0111\u1ed5i nh\u1eadn th\u1ee9c v\u1ec1 r\u1ee7i ro.\nTrong m\u1ed9t nghi\u00ean c\u1ee9u \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y t\u1ea1i Di\u1ec5n \u0111\u00e0n Th\u1ebf gi\u1edbi th\u01b0\u1eddng ni\u00ean l\u1ea7n th\u1ee9 23 c\u1ee7a IAJBS b\u1edfi J\u00e9r\u00f4me Mallarg\u00e9<\/a>, ng\u01b0\u1eddi ta th\u1ea5y r\u1eb1ng kh\u00e1ch h\u00e0ng khoan dung h\u01a1n v\u1edbi d\u1ecbch v\u1ee5 k\u00e9m khi tham gia v\u00e0o n\u1ec1n kinh t\u1ebf chia s\u1ebb so v\u1edbi khi h\u1ecd tham gia v\u00e0o c\u00e1c doanh nghi\u1ec7p truy\u1ec1n th\u1ed1ng. <\/p>\n\n

Nghi\u00ean c\u1ee9u \u0111\u00e3 x\u00e1c \u0111\u1ecbnh s\u1ef1 \u0111\u1ed3ng c\u1ea3m, tin t\u01b0\u1edfng v\u00e0 chia s\u1ebb nh\u1eefng \u0111i\u1ec3m t\u01b0\u01a1ng \u0111\u1ed3ng gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 ch\u1ea5p nh\u1eadn ti\u00eau chu\u1ea9n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng th\u1ea5p h\u01a1n.\nN\u00f3i c\u00e1ch kh\u00e1c, kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng ch\u1ecbu \u0111\u1ef1ng d\u1ecbch v\u1ee5 k\u00e9m h\u01a1n v\u00ec h\u1ecd th\u1ea5y m\u00ecnh trong nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5, t\u1ea1o ra c\u1ea3m gi\u00e1c h\u00e0o ph\u00f3ng. <\/p>\n\n

C\u1ea3m gi\u00e1c khoan dung v\u00e0 h\u00e0o ph\u00f3ng n\u00e0y thay \u0111\u1ed5i c\u00e1ch kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ti\u1ebfp c\u1eadn r\u1ee7i ro.\nHi\u1ec3u \u0111\u01b0\u1ee3c nh\u1eefng thay \u0111\u1ed5i h\u00e0nh vi n\u00e0y s\u1ebd r\u1ea5t c\u1ea7n thi\u1ebft cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u1eefng ng\u01b0\u1eddi t\u00ecm c\u00e1ch hi\u1ec3u \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u1ec1n kinh t\u1ebf chia s\u1ebb \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a h\u1ecd. <\/p>\n\n

S\u1ef1 tham gia v\u00e0 r\u1ee7i ro \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi b\u1ea3o hi\u1ec3m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb<\/h2>\n\n

B\u1ea3o hi\u1ec3m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb l\u00e0m t\u0103ng ni\u1ec1m tin, khi\u1ebfn c\u00e1c c\u00e1 nh\u00e2n c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng tham gia v\u00e0o n\u00f3 h\u01a1n.\nNh\u1eefng thay \u0111\u1ed5i trong c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c nhau \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb c\u0169ng g\u00e2y \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m, Trevor Maynard<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn \u0111\u1ed5i m\u1edbi t\u1ea1i Lloyd’s of London cho bi\u1ebft. <\/p>\n\n

N\u1ec1n kinh t\u1ebf chia s\u1ebb “d\u1ef1a v\u00e0o c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i c\u00f9ng v\u1edbi b\u1ea3o hi\u1ec3m \u0111\u1ec3 cung c\u1ea5p m\u1ed9t m\u1ea1ng l\u01b0\u1edbi an to\u00e0n v\u00e0 s\u1ef1 an t\u00e2m cho nh\u1eefng ng\u01b0\u1eddi tham gia th\u1ecb tr\u01b0\u1eddng”, Tshidi Hagan<\/a> t\u1ea1i Startupbootcamp n\u00f3i.<\/p>\n\n

V\u00ed d\u1ee5, ng\u01b0\u1eddi l\u00e1i xe c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n c\u1ee7a h\u1ecd trong c\u00e1c d\u1ecbch v\u1ee5 \u0111i chung xe n\u1ebfu h\u1ecd bi\u1ebft tai n\u1ea1n ho\u1eb7c thi\u1ec7t h\u1ea1i trong c\u00e1c chuy\u1ebfn \u0111i \u0111\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi l\u00e1i c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 \u0111i chung xe \u0111\u1ec3 v\u1eadn chuy\u1ec3n n\u1ebfu h\u1ecd bi\u1ebft b\u1ea5t k\u1ef3 thi\u1ec7t h\u1ea1i n\u00e0o h\u1ecd ph\u1ea3i ch\u1ecbu c\u0169ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n

C\u00e1c c\u00f4ng ty kinh t\u1ebf chia s\u1ebb hi\u1ec3u b\u1ea3o hi\u1ec3m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ee3i nhu\u1eadn c\u1ee7a h\u1ecd nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n

“C\u00e1c c\u00f4ng ty kinh t\u1ebf chia s\u1ebb kh\u00f4ng ch\u1ec9 mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n c\u1ee7a h\u1ecd m\u00e0 c\u00f2n \u0111\u1ec3 x\u00e2y d\u1ef1ng uy t\u00edn v\u00e0 ni\u1ec1m tin v\u1edbi c\u00e1c b\u00ean li\u00ean quan bao g\u1ed3m ng\u01b0\u1eddi ti\u00eau d\u00f9ng, nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd”, ch\u1ee7 t\u1ecbch c\u1ee7a Lloyd, Hank Watkins<\/a> n\u00f3i.<\/p>\n\n

Do \u0111\u00f3, c\u00e1c c\u00f4ng ty cung c\u1ea5p b\u1ea3o hi\u1ec3m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y c\u01a1 h\u1ed9i \u0111\u1ec3 x\u00e2y d\u1ef1ng kh\u1ea3 n\u0103ng hi\u1ec3n th\u1ecb v\u00e0 ni\u1ec1m tin v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd.<\/p>\n\n

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

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

M\u1eb7c d\u00f9 c\u00f3 nh\u1eefng th\u1ea5t b\u1ea1i nh\u1ea5t \u0111\u1ecbnh, n\u1ec1n kinh t\u1ebf chia s\u1ebb s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n trong th\u1eadp k\u1ef7 t\u1edbi.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u1ea3nh gi\u00e1c v\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng n\u00e0y b\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o hai l\u0129nh v\u1ef1c ch\u00ednh: \u0111i chung xe v\u00e0 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u. <\/p>\n\n

\u0110i chung xe c\u00f3 v\u1ecb tr\u00ed \u0111\u1ed9c \u0111\u00e1o \u0111\u1ec3 gi\u1ea3i quy\u1ebft \u00e1p l\u1ef1c giao th\u00f4ng gia t\u0103ng \u1edf c\u00e1c trung t\u00e2m \u0111\u00f4 th\u1ecb.\nTrong t\u01b0\u01a1ng lai, l\u0129nh v\u1ef1c n\u00e0y c\u1ee7a n\u1ec1n kinh t\u1ebf chia s\u1ebb c\u00f3 th\u1ec3 chuy\u1ec3n t\u1eeb t\u1eadp trung v\u00e0o c\u00e1c chuy\u1ebfn \u0111i chung sang t\u00ednh di \u0111\u1ed9ng nh\u01b0 m\u1ed9t d\u1ecbch v\u1ee5, Julia Steyn<\/a> n\u00f3i trong m\u1ed9t b\u00e0i b\u00e1o tr\u00ean The Globe and Mail. <\/p>\n\n

S\u1ef1 gia nh\u1eadp c\u1ee7a m\u1ed9t s\u1ed1 doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c hi\u1ec7n c\u00f3 v\u00e0o l\u0129nh v\u1ef1c \u0111i chung xe h\u1ed7 tr\u1ee3 cho vi\u1ec7c \u0111\u1ecbnh h\u00ecnh l\u1ea1i vi\u1ec7c chia s\u1ebb chuy\u1ebfn \u0111i th\u00e0nh t\u00ednh di \u0111\u1ed9ng nh\u01b0 m\u1ed9t d\u1ecbch v\u1ee5.\nV\u00ed d\u1ee5, Hi\u1ec7p h\u1ed9i \u00d4 t\u00f4 Hoa K\u1ef3 (AAA) v\u00e0 Avis \u0111\u1ec1u \u0111\u00e3 kh\u1edfi \u0111\u1ed9ng c\u00e1c li\u00ean doanh chia s\u1ebb xe h\u01a1i. <\/p>\n\n

C\u00e1c doanh nghi\u1ec7p hi\u1ec7n t\u1ea1i \u0111a d\u1ea1ng h\u00f3a th\u00e0nh c\u00e1c l\u0129nh v\u1ef1c kinh t\u1ebf chia s\u1ebb s\u1ebd “g\u1eb7p ph\u1ea3i nh\u1eefng r\u1ee7i ro m\u00e0 tr\u01b0\u1edbc \u0111\u00e2y ch\u01b0a t\u1eebng \u0111\u01b0\u1ee3c d\u1ef1 t\u00ednh trong ch\u01b0\u01a1ng tr\u00ecnh qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a h\u1ecd”, Scott Krisvoy<\/a> c\u1ee7a Old Republic Risk Management cho bi\u1ebft.<\/p>\n\n

T\u01b0\u01a1ng t\u1ef1, c\u00e1c c\u00f4ng ty kinh t\u1ebf chia s\u1ebb \u0111a d\u1ea1ng h\u00f3a c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ri\u00eang h\u1ecd s\u1ebd \u0111\u1ea3m nh\u1eadn c\u00e1c l\u0129nh v\u1ef1c r\u1ee7i ro m\u1edbi v\u00e0 ch\u01b0a t\u1eebng c\u00f3.<\/p>\n\n

R\u1ee7i ro v\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 quy\u1ec1n ri\u00eang t\u01b0<\/h2>\n\n

C\u0169ng nh\u01b0 nhi\u1ec1u \u0111\u1ed5i m\u1edbi k\u1ef9 thu\u1eadt s\u1ed1, b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 quy\u1ec1n ri\u00eang t\u01b0 v\u1eabn l\u00e0 m\u1ed1i quan t\u00e2m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb.\nD\u1eef li\u1ec7u t\u01b0\u01a1ng t\u1ef1 x\u00e2y d\u1ef1ng ni\u1ec1m tin v\u00e0 cho ph\u00e9p tham gia v\u00e0o n\u1ec1n kinh t\u1ebf chia s\u1ebb c\u0169ng c\u00f3 th\u1ec3 b\u1ecb \u0111\u00e1nh c\u1eafp ho\u1eb7c ch\u1ed1ng l\u1ea1i nh\u1eefng ng\u01b0\u1eddi tham gia cung c\u1ea5p n\u00f3, Danica Sergison<\/a> n\u00f3i trong Privacy News Online. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro vi ph\u1ea1m d\u1eef li\u1ec7u, kh\u00f4ng ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn d\u1eef li\u1ec7u n\u1ed9i b\u1ed9 c\u1ee7a ch\u00ednh h\u1ecd m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u00e1ch h\u00e0ng c\u00f3 nh\u00e0, \u0111\u1ed3 \u0111\u1ea1c ho\u1eb7c ph\u01b0\u01a1ng ti\u1ec7n m\u00e0 h\u1ecd b\u1ea3o hi\u1ec3m.\nKhi c\u00e1c vi ph\u1ea1m an ninh tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ed1t l\u00f5i c\u1ee7a \u0111\u00e1nh gi\u00e1 r\u1ee7i ro hi\u1ec7n c\u00f3, c\u00e1c t\u00ednh to\u00e1n v\u00e0 s\u1ea3n ph\u1ea9m m\u1edbi cho c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c t\u1ea1o ra, Chris Brook<\/a> c\u1ee7a Threatpost n\u00f3i. <\/p>\n\n

\u0110\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a b\u1ea3o hi\u1ec3m trong n\u1ec1n kinh t\u1ebf chia s\u1ebb \u0111\u00f2i h\u1ecfi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i xem x\u00e9t c\u00e1c ph\u01b0\u01a1ng th\u1ee9c h\u00e0nh vi m\u1edbi c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 c\u00e1c xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7.\nGi\u1ea3i quy\u1ebft nh\u1eefng r\u1ee7i ro n\u00e0y m\u1ed9t c\u00e1ch ch\u1ee7 \u0111\u1ed9ng c\u00f3 th\u1ec3 gi\u00fap x\u00e2y d\u1ef1ng l\u00f2ng tin v\u00e0 h\u1ed7 tr\u1ee3 vi\u1ec7c \u00e1p d\u1ee5ng n\u1ec1n kinh t\u1ebf chia s\u1ebb. <\/p>\n\n

\u1ea2nh: Dzianis Apolka\/\u00a9123RF.com, Thanayu Jongwattanasilkul\/\u00a9123RF.com.\nJakub Jirsak\/\u00a9123RF.com <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c n\u1ec1n t\u1ea3ng kinh t\u1ebf chia s\u1ebb \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch m\u1ecdi ng\u01b0\u1eddi giao ti\u1ebfp, t\u01b0\u01a1ng t\u00e1c v\u00e0 chia s\u1ebb t\u00e0i nguy\u00ean. Tuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 nh\u1eefng r\u1ee7i ro v\u00e0 m\u1ed1i \u0111e d\u1ecda ti\u1ec1m \u1ea9n do tham gia v\u00e0o n\u1ec1n kinh t\u1ebf chia s\u1ebb. Trong m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Lloyd’s of […]<\/p>\n","protected":false},"featured_media":5820,"template":"","insight-category":[],"class_list":["post-21221","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21221","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\/5820"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21221"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}