  BÀI TẬP NHÓM    !" TH TRƯNG BO HIM VIT NAM GIAI ĐON 2009-2013 I. Tình hình thị trường bảo hiểm giai đoạn 2009-2013 1. !"# #$%&'()*$+$%+, /01$/+2/034$%/5$%67898*:;:$5</=>!$5< !!?@1$>? $5< !ABC/5$%6',BD,/=$%@)E,+F$+()*$+$%+, G,1$%$5< !A:H&I/5$% @1$:J* ()*$+$%+, $+K$/+)&*8 $5<L+M$%:HN,O$6P$%%FG +,O</Q/0R$%:*)$+S/@C.+,$+K$/+R/+S.$+S/@C/;,G !!? !! ! ! !A .+,$+K$/+R T ? ? ? ? $+K$/+R   " " U /;,   <M,%,D, !     #$% >! >A >V >V >? 1$:E$+&'@3W$%()*$+$%+, $%CX:C$%6*(E$%.+)$%.+YZ&I%H.<[/:J*:;: B5$.+\$%6E,(,-$:J*:;:/#:+]:N^)+,_<$3D:$%)C,/E,`,-/*<:a$%%H..+b$:^, /+,-$<M,/034$%6b8/3BC/5$%@\$%/,$:J*:;:$+C6b8/3$3D:$%)C,L+,6O$6b8/3/E, `,-/*<G 2. $% 8X<M/+2/034$%@,1$/c:63W:<d0P$%98*:;:$5<BC(8X/0F/':6P/5$%/03d$%:*) &)BD,/5$%/03d$%eG f$B2 !!? !! ! ! )*$+/+8.+g Q6h$% >G>?A A!GT" AUG>> "G "U )*$+/+86b8/3 Q6h$% VG T TG ?U !G"AA !G VV 8X<M/+2/034$% Q6h$% A GT  A?GAT "UG?T> >G>A ':  6P  /5$% /03d$% i ? " "A> >V! H$%  %H.  BC) e i ?? ?T T> ?" +j):)$&'/+'$%L1<D,$+S/%b$6KX/#$%()*$+/+8.+gN^)+,_<$5< !A6E/ ""GATT/Q6h$%/5$%VGUi&)BD,$5< ! G 3. &"'()* AGG)*$+$%+, N^)+,_< )*$+/+8.+g:H/':6P/5$%:*)G = !!T6O$ !A()*$+/+8.+g/5$%+f$ @b$6O$$5< !A()*$+/+8.+gN^) +,_<e+,$+K$/+R3D:6E/ >G!!!/Q6h$%k/5$%/03d$%L+)^$%!il+K$/+R3D:6E/ G!!!/Q6h$%k/5$%/03d$%L+)^$%>ilG)*$+/+8M,%,D,:+,O<Ti.+gN^) +,_<%':e+,$+K$/+RG':6P/5$%/03d$%NF$+98K$N^)+,_<e+,$+K$/+RBC+K$/+R mS.mn !io$5<G h,/+34$%BC/0^/,7$/5$%6^<N^)*$/)C$/C,:+g$+L+p:.+c:+q898^:J*/+,1$ /*,/*,$E$&I:'NS/$%4m^X0*G ,*,6)E$ !!T !A&'/,7$Nh,/+34$%BC/0^/,_$N^)+,_</5$%/=?G>AA/Q6h$%@1$ VGUT>/Q6h$%G E$%@3D,+)E/6P$%63W:<d0P$%G ;:<d0P$%<E$%@3D,+)E/6P$%/+I:+,-$.+3f$%:+K<98^$@r/q./08$% L+*,/+;:BC.+c:BcL+;:++C$%/E,:+sG+',e+,$+K$/+R/=$5<??A:H"! :+,$+;$+6O$$*X6t:H+f$U!!:+,$+;$+:M$%/X/+C$+B,1$+f$G!!!.+\$%%,*) (2:+k:S.98q$+8X-$lG;:+K$/+R6t:H+f$!!B5$.+\$%:+,$+;$++f$ >!!/#$%6E,@r+f$G!!!N*$$+H<6E,@r/E,:;:62*.+3f$%G 5$%@I:/C,:+g$+:J*:;:/5$%<E$+G 5<??A$%C$+:HB'$:+J&d+u8">/n6h$%(I.+\$%$%+, BcTT/n6h$% 6O$$*XB'$:+J&d+u86t@1$/D,/01$VG>!!/Q6h$%(I.+\$%$%+, Bc@1$/D, A>G"T>/n6h$%G`'$6,78@-:;:+C$%6b8@8M$/5$%@1$/+j)/+4,%,*$G +S/@3W$%$%8h$$+K$@I:$%CX<P//5$%G=6P,$%aV!!$%34,$5<??A6O$$*X L+',e+,$+K$/+R6t:H+f$>G!!!:;$NP$+K$B,1$L+',+K$/+R:H/01$!G!!!:;$ NP$+K$B,1$k/0)$%6H>i/01$6E,+R:T>i6E,+R:lG[:N,-//+8+Y/63W:$+,78 :+8X1$%,*98^$@r$%+, Bc/g$+.+g@C$%34,$3D:$%)C,BC`,-/L,78.+c:Bc/E, G ;:L+M$%$%=$%6C)/E)BC.+;//0,_$L1$+.+K$.+',G%)C,.+K$.+',98* ()*$+$%+, M,%,D,:\$6C)/E).+;//0,_$.+K$.+',98*6E,@r%h<"!G!!! 6E,@rN^)+,_<e+,$+K$/+R !G!!!6E,@rN^)+,_<+K$/+RG )E/6P$%6b8/3G )*$+/+8+)E/6P$%6b8/3/5$%67898*:;:$5<Gvw$+BI:/,7$%x,BC/0;,.+,O8By$ <*$%@E,%b$T!i+,-898^+)E/6P$%6b8/3Gf:S8(*$+<c:6b8/3%h</0;,.+,O8BC 6b8/3/,7$%x,@8M$:+,O</01$V!i/Q/0R$%(*$+<c:6b8/3:J*:;::M$%/XN^)+,_<G b8/3/0d@E,$7$L,$+/O98':(K$z=A!!/Q6h$%k$5<??Al/5$%@,j$/c:98*:;: $5<6O$$5< !A6E/!?G!!!/Q6h$%k%S.G>@b$&)BD,$5< !!?l@C$%8h$B'$ /08$%BC(C,+E$98*$/0R$%.+;//0,_$6S/$3D:GO/98^6b8/36j<@E,N^)/]::+)N^) +,_<+K$/+RBC%,^<6H$%%H..+gN^)+,_<e+,$+K$/+RG AG G{^$.+|<N^)+,_< - {'@3W$%&^$.+|<$%CX:C$%(E$%:+S/@3W$%(2:+Bc$K$%:*):fN^$6;.]$%$+8 :b8BC/E)63W:&I@I*:+R$<*$%/g$+:E$+/0*$+:+)L+;:++C$%G= !&^$.+|< e+,$+K$/+R$5<??A6O$$*X6t:H+f$T!!&^$.+|<e+,$+K$/+R65$%LrBCN;) :;)PC,:+g$+kl+f$A>!&^$.+|<63W:.+1(8X-/A&^$.+|<Np/ N8P:63W:N*$+C$+"&^$.+|</+g6,_<63W:N*$+C$+G ;:&^$.+b<N^)+,_<:+g$+63W:/0,_$L+*,:+JXO8By$/+8P:B7mj:f%,D,BC N^)+,_<mKX(I$%@p.6[/G t:H$+,78&^$.+|<6\,+},Lw/+8q/:M$%$%+-:*)$+3+C$%L+M$%N^) +,_<(b8L+gN^)+,_<B-/,$+N^)+,_<6H$%/C8N^)+,_<:M$%/0F$+V!/b$%N^) +,_<:;::M$%/0F$+$%b<~GG +j)6H$5< !A:+]$%L,O$&I0*64,:J*+C$%@)E/&^$.+|<N^)+,_<<D,6[:N,-/ /0)$%@w$+BI:$+K$/+RG•$%BD,6H@C$+,78.+3f$%/+]:N;$+C$%<D,+,-$6E,/0)$% 6H6;$%:+Yr@C:;:&^$.+|<N^)+,_<@,1$LO/$%K$+C$%:;:&^$.+|<]$%(c$%:M$% $%+-/,$+R:B,€$/+M$%G[:N,-//)C$$%C$+N^)+,_<6*$%$s@I:6_:+)0*64, $+u$%&^$.+|<N^)+,_<+38/0g/I$%8X-$6b8/,1$%H..+b$6;.]$%$+8:b8BM:•$% @D$:J*6*&'$%34,(K$/0)$%N',:^$+:;::+g$+&;:++38/0g:J*+C$3D:6t/,-<:q$ 98;/^,GKX/+I:&I@C<P/:f+P,0S/@D$6',BD,:;: AGAG+;:++C$% L+;:++C$%$%CX:C$%:H$+,78&I@3*:+R$BD,$+u$%&^$.+|<N^)+,_<6*(E$% .+)$%.+Y +H<L+;:++C$%/,7<$5$%63W::;:()*$+$%+, :E$+/0*$+%*X%p/:+g$+@C$+H< L+;:++C$%Nq:/08$%BD,$+u$%&^$.+|<B=*/Y,/,7$G[:N,-/L+;:++C$%63W:+3d$% <]::+,O/L+S8+S.(y$$O8/+*<%,*/+j)$+H<G $+H<N^)+,_<.+,$+K$/+RBy$63W:L+;:++C$%98*$/K<+f$Gvw$+BI:N^)+,_< $+K$/+RBy$@C<P/@w$+BI:+H:NY*BD,$+u$%$+CL+*,/+;:()$5$%@I:/C,:+g$+ $%34,(K$:+3*<E$+BC/K<@g•&^$.+|<N^)+,_<@C&^$.+|<L+M$%<)$%<8'$‚ /Q@-L+;:++C$%/+*<%,*:H&I/5$%@1$98*/=$%$5</+_+,-$/3f$%6',98*&'+W. 6h$%L+*,/+;:<D,/8X$+,1$L+;:++C$%By$:+3*:H@\$%/,$BD,Gc/+_$5< ! :H???GUT"+W.6h$%:+g$+<D,L+*,/+;:$+3$%:H6O$"?"GV? +W.6h$%N2+8Q N}k:+,O<%b$>!ilG BS$676E)6]:L+;:++C$%$%CX:C$%.+]:/E.G `D,&I.+;//0,_$/0,_$/)C$(,-$/01$/S/:^<R,<[//+2/034$%N^)+,_<6tBC6*$%:H $+u$%N3D::+8X_$<F$+<*$+<ƒ+]*+„$@C/+2/03\$%/,7<$5$%/0)$%/3f$%@*,G II. Thành tựu, han chế và đề xuất giải pháp. G+','-" .(/+-/+'$%.+;.@8q/$%CX:C$%+)C$/+,-$/E)+C$+@*$%.+;.@g/+8q$@W,:+)&I .+;//0,_$:E$+/0*$+:J*:;:G %CXTo o??A+g$+.+J0*$%+262$+!!o??Aoe98X62$+B7B,-:/+C$+@q. BC/#:+]::;:+)E/6P$%:J*:;:/E,`,-/*<GO$$5< !!!@8q/L,$+()*$+ N^)+,_<63W:N*$+C$+@b$6b8/,1$&x*6#,$5< !!6_.+•+W.+f$BD,N',:^$+/+2 /034$%G 0/98X<M/+2/034$%L+M$%$%=$%<d0P$%&'@3W$%{e.+)$%.+Y6*(E$% L1$+.+K$.+',0P$%L+p.:^$3D:G 1//':6P/5$%/03d$%:*) 1&/$5$%@I:+)E/6P$%:J*:;:$K$%@1$0…0-/:;:6t:+Y/0R$%:M$%/;: 6C)/E)$%8h$$+K$@I:BC6b8/3:+):M$%$%+-/+M$%/,$.+c:Bc$+8:b898^$@g%,;< &;/G 230,"! .(//F$+/0E$%:E$+/0*$+L+M$%@C$+<E$+%,u*:;:()*$+$%+, z+*.+gN^)+,_< :+†)L‡)$+K$B,1$:J*:M$%/X6',/+J6_/q$(c$%:;:<',98*$+-&ˆ$:H~ 0//0c:@W,N^)+,_<(,€$0*$%CX:C$%/,$+B,BCL+H98^$@g(y$6O$+,-898^L,$+ ()*$+N^)+,_<%':L+M$%:*)G +j)&'@,-8/+'$%L1/0)$%%,*,6)E$/= !!V !/#$%&'Bc/0c:@W,N^)+,_</E,/+2 /034$%`,-/*<N2.+;/+,-$@C""GV!"BcBD,/#$%&'/,7$@C+f$"!/Q6h$%/0)$%6H @w$+BI:N^)+,_<.+,$+K$/+R@CAG?VABcBD,/#$%&'/,7$@C"??>/Q6h$%BCN^) +,_<$+K$/+R@C"!GVABcBD,/#$%&'/,7$@C UT /Q6h$%G 1/:M$%/;::+,/0^Nh,/+34$%:\$:+q</0€:+3*/+)^6;$%G 1&/98X<M/+2/034$%N^)+,_<:\$$+}N‡:+3*/+I:&I6;.]$%63W:X18:b8.+;/ /0,_$L,$+/O‰mt+P,GE$:+O$CX/+_+,-$L+;0…d/Q/0R$%()*$+/+8.+gN^)+,_< /0)$%e:H/5$%&)$%By$:\$0S//+S.&)BD,:;:$3D:/0)$%L+8BI:BC98':/OG 4/:+3*/E)0*$+u$%L1$++u8+,-86_/8X1$/08X7$0P$%0t,<c:6g:+r$%+w*BC /;:(c$%:J*N^)+,_<BD,L+;:++C$%G 5*/:+3*:H&I@,1$LO/:+[/:+ƒ%,u*:f98*$98^$@g$+C$3D:B7N^)+,_<+, +P, N^)+,_<BC:;:()*$+$%+, N^)+,_<G 1/:;:()*$+$%+, N^)+,_<:\$/+,O862$++3D$%(C,+E$:+)+)*/6P$%L,$+ ()*$+:+3*6b8/36Y$%<I:BC):M$%/;:98X+)E:+6C)/*)/8X_$(c$%‰&x(c$%:;$ NP:M$%/;:.+;//0,_$:;:$%+, Bc:a$%$+3:M$%/;:(IN;)/+'$%L1BC62$+.+gG */$5$%@I:+)E/6P$%L,$+()*$+:J*:;::\$$+,78+E$:+OGe+b$@D$() $5$%@I:/C,:+g$+:J*:M$%/X:\$XO8.+c/+8P::+JXO8BC):;:/;,G 36)*)'7# .(//,O./c:+)C$/+,-$+-/+'$%.+;.@8K/L,$+()*$+N^)+,_<&*):+).+•+W.BD, :;::*<LO/:J*ŠG 0/$+C$3D:/5$%:34$%L,_</0*%,;<&;/+)E/6P$%L,$+()*$+N^)+,_<BC:;: +)E/6P$%/C,:+g$+:H@,1$98*$6_L2./+4,$%5$:+[$$+u$%6#B‹<*$%/g$+(KX :+8X7$%,u*:;:$%C$+:H@,1$98*$$+,786O$@w$+BI:N^)+,_<z$%K$+C$%/C,:+g$+ :+]$%L+);$BCL,$+()*$+NS/6P$%&^$G 1//+j)(…,:+[/:+ƒ$+u$%(,€$N,O$:J*/+2/034$%/C,:+g$+BC/+2/034$%N^)+,_< /+O%,D,6_:H$+u$%/+M$%/,$(IN;):b$/+,O/:+):;:`,-/*< 1&/;:`,-/*<:b$/,O./c:#$62$+BC+)C$/+,-$/#:+]:NP<;X$K$% :*)$5$%@I:L,$+()*$+98^$@gG 4/+, +P,N^)+,_<`,-/*<.+^,6H$%B*,/0\/08$%/K<BC@C:b8$',/+I:&I %,u*:;:BD,:f98*$98^$@r+C$3D:B7N^)+,_<BC:;::f98*$%,;<&;//+2 /034$%G