Khả năng Cạnh tranh của Dịch vụ bảo hiểm tại Việt nam: thực trạng và giải pháp

Abstract

Insurance service is a young financial service in Vietnam with its establishment in 1993. Currently, there are 24 insurance companies participating in insurance market. Achievements: If in 1994 insurance output reached 741 bill. VND, there was in 2003 already 10,192 bill VND. Contribution to the state budget has been increasing remarkable: in 1994 only 71 bill.VND, but in 2001 it reached 215 bill VND and already 460 bill.VND in 2003. Insurance has been creating a lot of jobs, in 2001: 10,000 laborers ( 10 times from 1994 to 2001). It attracts a number of foreign investment and actively takes part in international integration. Short coming: The insurance market is relatively small. The ratio of fee collection to GDP is only 1,6% in 2003 ( in Thailand 2.25% ). Insurance supply can not meet the demand of the market yet, especially in agriculture. There still is not good competition between insurance companies. Solutions: Raising awareness about insurance significance for insurance consumers such as administrative office, enterprises and citizen. Strengthen governmental management in insurance sector through adjustment of legal documents, separating governmental management out of business management...Insurance companies themselves have to try their best to strengthen their power in competition.