{"id":59917,"date":"2023-10-27T15:44:55","date_gmt":"2023-10-27T06:44:55","guid":{"rendered":"https:\/\/monolith.law\/vi\/?p=59917"},"modified":"2023-11-07T15:13:10","modified_gmt":"2023-11-07T06:13:10","slug":"insurance-unlicensed-provided","status":"publish","type":"post","link":"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided","title":{"rendered":"Gi\u1ea3i th\u00edch v\u1ea5n \u0111\u1ec1 v\u1ec1 vi\u1ec7c cung c\u1ea5p &#8216;T\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m&#8217; ~ C\u00f3 th\u1ec3 cung c\u1ea5p m\u00e0 kh\u00f4ng c\u1ea7n gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m kh\u00f4ng?"},"content":{"rendered":"\n<p>T\u00f4i ngh\u0129 r\u1eb1ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 t\u1eebng ngh\u0129 \u0111\u1ebfn vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m khi g\u1eb7p c\u00e1c s\u1ef1 ki\u1ec7n quan tr\u1ecdng trong cu\u1ed9c s\u1ed1ng nh\u01b0 k\u1ebft h\u00f4n, mua nh\u00e0, ho\u1eb7c khi c\u00f3 con. H\u01a1n n\u1eefa, t\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh h\u00ecnh kinh t\u1ebf, b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc thay \u0111\u1ed5i n\u1ed9i dung b\u1ea3o hi\u1ec3m m\u00e0 ban \u0111\u1ea7u b\u1ea1n \u0111\u00e3 tham gia. Nh\u01b0 m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u00fang t\u00f4i c\u0169ng mu\u1ed1n \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thay \u0111\u1ed5i k\u1ebf ho\u1ea1ch linh ho\u1ea1t c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5, khi cung c\u1ea5p s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 v\u1edbi c\u00e1c t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m (sau \u0111\u00e2y g\u1ecdi l\u00e0 &#8220;t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m&#8221;), nh\u01b0 vi\u1ec7c t\u0103ng gi\u1edbi h\u1ea1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i ho\u1eb7c lo\u1ea1i b\u1ecf c\u00e1c m\u1ee5c mi\u1ec5n tr\u1eeb d\u01b0\u1edbi \u0111i\u1ec1u ki\u1ec7n t\u0103ng ph\u00ed s\u1eed d\u1ee5ng, \u0111i\u1ec3m n\u00e0o c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd?<\/p>\n\n\n\n<p>Khi th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n c\u00f3 gi\u1ea5y ph\u00e9p d\u1ef1a tr\u00ean Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch cho c\u00e1c doanh nghi\u1ec7p \u0111ang xem x\u00e9t vi\u1ec7c cung c\u1ea5p t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m, li\u1ec7u vi\u1ec7c cung c\u1ea5p t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m c\u00f3 vi ph\u1ea1m Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n hay kh\u00f4ng.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided\/#Luat_Bao_hiem_Nhat_Ban_la_gi\" title=\"Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n l\u00e0 g\u00ec?\">Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided\/#Lieu_tuy_chon_tuong_tu_bao_hiem_co_thuoc_ve_hoat_dong_bao_hiem_hoac_chung_khoan_bao_lanh_khong\" title=\"Li\u1ec7u t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m c\u00f3 thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m ho\u1eb7c ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh kh\u00f4ng?\">Li\u1ec7u t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m c\u00f3 thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m ho\u1eb7c ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh kh\u00f4ng?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided\/#Tuy_chon_tuong_tu_bao_hiem_khong_thuoc_ve_bao_hiem\" title=\"T\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 b\u1ea3o hi\u1ec3m\">T\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 b\u1ea3o hi\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided\/#Tuy_chon_tuong_tu_bao_hiem_khong_thuoc_ve_hoat_dong_chung_khoan_bao_lanh\" title=\"T\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh\">T\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided\/#Co_can_thiet_phai_tro_thanh_nguoi_tuyen_dung_bao_hiem_dai_ly_bao_hiem_khong\" title=\"C\u00f3 c\u1ea7n thi\u1ebft ph\u1ea3i tr\u1edf th\u00e0nh ng\u01b0\u1eddi tuy\u1ec3n d\u1ee5ng b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m kh\u00f4ng?\">C\u00f3 c\u1ea7n thi\u1ebft ph\u1ea3i tr\u1edf th\u00e0nh ng\u01b0\u1eddi tuy\u1ec3n d\u1ee5ng b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided\/#Tong_ket\" title=\"T\u1ed5ng k\u1ebft\">T\u1ed5ng k\u1ebft<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/monolith.law\/vi\/general-corporate\/insurance-unlicensed-provided\/#Huong_dan_cac_bien_phap_cua_van_phong_luat_su_cua_chung_toi\" title=\"H\u01b0\u1edbng d\u1eabn c\u00e1c bi\u1ec7n ph\u00e1p c\u1ee7a v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u1ee7a ch\u00fang t\u00f4i\">H\u01b0\u1edbng d\u1eabn c\u00e1c bi\u1ec7n ph\u00e1p c\u1ee7a v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u1ee7a ch\u00fang t\u00f4i<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Luat_Bao_hiem_Nhat_Ban_la_gi\"><\/span>Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n l\u00e0 g\u00ec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/Monolith.law\/wp-content\/uploads\/2021\/06\/Insurance-Unlicensed-Provided1.jpg\" alt=\"\" class=\"wp-image-33249\" \/><\/figure>\n\n\n\n<p>Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n (Japanese Insurance Business Act) l\u00e0:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>&#8220;M\u1ed9t lu\u1eadt \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u1edbi m\u1ee5c \u0111\u00edch \u0111\u1ea3m b\u1ea3o s\u1ef1 v\u1eadn h\u00e0nh l\u00e0nh m\u1ea1nh v\u00e0 ph\u00f9 h\u1ee3p c\u1ee7a ng\u01b0\u1eddi kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng b\u1eb1ng trong vi\u1ec7c tuy\u1ec3n d\u1ee5ng b\u1ea3o hi\u1ec3m, nh\u1eb1m b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m v\u00e0 g\u00f3p ph\u1ea7n v\u00e0o s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u1ee7a cu\u1ed9c s\u1ed1ng qu\u1ed1c d\u00e2n v\u00e0 ph\u00e1t tri\u1ec3n kinh t\u1ebf qu\u1ed1c gia m\u1ed9t c\u00e1ch l\u00e0nh m\u1ea1nh, d\u1ef1a tr\u00ean t\u00ednh c\u00f4ng c\u1ed9ng c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m.&#8221;<\/p>\n<cite>\u0110i\u1ec1u 1 Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n<\/cite><\/blockquote>\n\n\n\n<p>Theo Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 &#8220;kinh doanh nh\u1eadn b\u1ea3o hi\u1ec3m, thu ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 cam k\u1ebft tr\u1ea3 m\u1ed9t kho\u1ea3n b\u1ea3o hi\u1ec3m c\u1ed1 \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn s\u1ef1 s\u1ed1ng c\u00f2n ho\u1eb7c c\u00e1i ch\u1ebft c\u1ee7a con ng\u01b0\u1eddi, b\u1ea3o hi\u1ec3m cam k\u1ebft b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng thi\u1ec7t h\u1ea1i c\u00f3 th\u1ec3 ph\u00e1t sinh do m\u1ed9t s\u1ef1 c\u1ed1 ng\u1eabu nhi\u00ean c\u1ed1 \u0111\u1ecbnh v\u00e0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c&#8221;.<\/p>\n\n\n\n<p>Theo \u0110i\u1ec1u 3 c\u1ee7a Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n, ch\u1ec9 nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c gi\u1ea5y ph\u00e9p t\u1eeb Th\u1ee7 t\u01b0\u1edbng Nh\u1eadt B\u1ea3n m\u1edbi c\u00f3 th\u1ec3 kinh doanh b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>Do \u0111\u00f3, khi c\u00e1c c\u00f4ng ty kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p cung c\u1ea5p s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 v\u1edbi c\u00e1c t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 nh\u01b0 b\u1ea3o hi\u1ec3m, c\u1ea7n ph\u1ea3i xem x\u00e9t li\u1ec7u t\u00f9y ch\u1ecdn \u0111\u00f3 c\u00f3 ph\u1ea3i l\u00e0 b\u1ea3o hi\u1ec3m hay kh\u00f4ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Lieu_tuy_chon_tuong_tu_bao_hiem_co_thuoc_ve_hoat_dong_bao_hiem_hoac_chung_khoan_bao_lanh_khong\"><\/span>Li\u1ec7u t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m c\u00f3 thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m ho\u1eb7c ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m c\u00f3 hai lo\u1ea1i l\u00e0 gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, nh\u01b0ng t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thu\u1ed9c v\u1ec1 gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd.<\/p>\n\n\n\n<p>N\u1ebfu t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m thu\u1ed9c v\u1ec1 &#8220;b\u1ea3o hi\u1ec3m nh\u1eb1m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i c\u00f3 th\u1ec3 ph\u00e1t sinh do m\u1ed9t s\u1ef1 c\u1ed1 ng\u1eabu nhi\u00ean n\u00e0o \u0111\u00f3 v\u00e0 thu ph\u00ed b\u1ea3o hi\u1ec3m&#8221; ho\u1eb7c &#8220;ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh&#8221;, b\u1ea1n ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tuy_chon_tuong_tu_bao_hiem_khong_thuoc_ve_bao_hiem\"><\/span>T\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 b\u1ea3o hi\u1ec3m<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>V\u00ec kh\u00f4ng c\u00f3 \u0111\u1ecbnh ngh\u0129a v\u1ec1 b\u1ea3o hi\u1ec3m theo Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n (Japanese Insurance Business Law),<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Ch\u00fang ta ph\u1ea3i quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean m\u1ee5c \u0111\u00edch l\u1eadp ph\u00e1p c\u1ee7a Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n v\u00e0 quan ni\u1ec7m x\u00e3 h\u1ed9i d\u1ef1a tr\u00ean \u0111\u1eb7c \u0111i\u1ec3m kinh t\u1ebf<\/p>\n<cite>H\u1ed9i nghi\u00ean c\u1ee9u Lu\u1eadt B\u1ea3o hi\u1ec3m Kansai &#8220;Gi\u1ea3i th\u00edch t\u1eebng \u0111i\u1ec1u c\u1ee7a Lu\u1eadt B\u1ea3o hi\u1ec3m (I)&#8221; (sau \u0111\u00e2y g\u1ecdi l\u00e0 &#8220;Gi\u1ea3i th\u00edch t\u1eebng \u0111i\u1ec1u&#8221;) trang 196 <\/cite><\/blockquote>\n\n\n\n<p>\u0110\u01b0\u1ee3c coi l\u00e0 ti\u00eau chu\u1ea9n. D\u1ef1a tr\u00ean quan \u0111i\u1ec3m n\u00e0y, khi xem x\u00e9t t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m, t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>M\u1ed9t c\u01a1 ch\u1ebf ho\u1eb7c h\u1ec7 th\u1ed1ng nh\u1eb1m ph\u00e2n t\u00e1n r\u1ee7i ro b\u1eb1ng c\u00e1ch t\u1ed5ng h\u1ee3p nhi\u1ec1u r\u1ee7i ro c\u00f9ng lo\u1ea1i<\/p>\n<cite>Gi\u1ea3i th\u00edch t\u1eebng \u0111i\u1ec1u trang 196 <\/cite><\/blockquote>\n\n\n\n<p>\u0110\u01b0\u1ee3c coi l\u00e0 ti\u00eau chu\u1ea9n. Khi c\u00f3 thi\u1ec7t h\u1ea1i, c\u00f4ng ty s\u1ebd ph\u1ea3i tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng, nh\u01b0ng ngu\u1ed3n g\u1ed1c c\u1ee7a s\u1ed1 ti\u1ec1n n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 c\u00f4ng ty \u0111\u00e3 thu t\u1eeb ng\u01b0\u1eddi s\u1eed d\u1ee5ng, m\u00e0 l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ea3 cho c\u00f4ng ty.<\/p>\n\n\n\n<p>Ngo\u00e0i ra,<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m chuy\u1ec3n r\u1ee7i ro cho ng\u01b0\u1eddi b\u00e1n b\u1ea3o hi\u1ec3m th\u00f4ng qua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0m \u0111\u1ed1i t\u00e1c<\/p>\n<cite>Gi\u1ea3i th\u00edch t\u1eebng \u0111i\u1ec1u trang 196 <\/cite><\/blockquote>\n\n\n\n<p>\u0110\u00e2y c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m.<\/p>\n\n\n\n<p>S\u1ed1 ti\u1ec1n m\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng tr\u1ea3 cho c\u00f4ng ty kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m, v\u00e0 t\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Ngo\u00e0i ra, nh\u01b0 \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, ti\u1ec1n b\u1ed3i th\u01b0\u1eddng khi c\u00f3 thi\u1ec7t h\u1ea1i \u0111\u01b0\u1ee3c tr\u1ea3 t\u1eeb s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ea3 cho c\u00f4ng ty, n\u00ean kh\u00f4ng th\u1ec3 n\u00f3i r\u1eb1ng r\u1ee7i ro \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao cho c\u00f4ng ty. T\u1eeb nh\u1eefng \u0111i\u1ec1u tra n\u00eau tr\u00ean, ch\u00fang t\u00f4i cho r\u1eb1ng t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tuy_chon_tuong_tu_bao_hiem_khong_thuoc_ve_hoat_dong_chung_khoan_bao_lanh\"><\/span>T\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh, theo \u0110i\u1ec1u 3, Kho\u1ea3n 6 c\u1ee7a Lu\u1eadt B\u1ea3o hi\u1ec3m Nh\u1eadt B\u1ea3n,<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>\u0110\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 ho\u1ea1t \u0111\u1ed9ng nh\u1eb1m b\u1ea3o l\u00e3nh vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng ho\u1eb7c theo ph\u00e1p lu\u1eadt, nh\u1eadn ti\u1ec1n \u0111\u1ed1i t\u00e1c, quy\u1ebft \u0111\u1ecbnh ti\u1ec1n \u0111\u1ed1i t\u00e1c d\u1ef1a tr\u00ean b\u1ea3o hi\u1ec3m to\u00e1n h\u1ecdc, t\u00edch l\u0169y qu\u1ef9 d\u1ef1 ph\u00f2ng, ph\u00e2n t\u00e1n r\u1ee7i ro th\u00f4ng qua t\u00e1i b\u1ea3o hi\u1ec3m v\u00e0 s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u1eb7c tr\u01b0ng cho b\u1ea3o hi\u1ec3m<\/p>\n<\/blockquote>\n\n\n\n<p>\u0110\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a nh\u01b0 v\u1eady.<\/p>\n\n\n\n<p>T\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 &#8220;ho\u1ea1t \u0111\u1ed9ng nh\u1eb1m b\u1ea3o l\u00e3nh vi\u1ec7c th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 theo h\u1ee3p \u0111\u1ed3ng ho\u1eb7c theo ph\u00e1p lu\u1eadt v\u00e0 nh\u1eadn ti\u1ec1n \u0111\u1ed1i t\u00e1c&#8221;, nh\u01b0ng kh\u00f4ng th\u1ec3 coi l\u00e0 &#8220;quy\u1ebft \u0111\u1ecbnh ti\u1ec1n \u0111\u1ed1i t\u00e1c d\u1ef1a tr\u00ean b\u1ea3o hi\u1ec3m to\u00e1n h\u1ecdc, t\u00edch l\u0169y qu\u1ef9 d\u1ef1 ph\u00f2ng, ph\u00e2n t\u00e1n r\u1ee7i ro th\u00f4ng qua t\u00e1i b\u1ea3o hi\u1ec3m v\u00e0 s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u1eb7c tr\u01b0ng cho b\u1ea3o hi\u1ec3m&#8221;, n\u00ean ch\u00fang t\u00f4i cho r\u1eb1ng n\u00f3 kh\u00f4ng thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh.<\/p>\n\n\n\n<p>&#8220;B\u1ea3o hi\u1ec3m to\u00e1n h\u1ecdc&#8221; l\u00e0 vi\u1ec7c t\u00ednh to\u00e1n v\u00e0 l\u00fd thuy\u1ebft to\u00e1n h\u1ecdc li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m, v\u00e0 vi\u1ec7c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng th\u1ed1ng k\u00ea, v.v.<\/p>\n\n\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p c\u1ee7a t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m, vi\u1ec7c t\u0103ng \u0111\u01a1n gi\u1ea3n m\u1ed9t s\u1ed1 ph\u1ea7n tr\u0103m c\u1ee7a ph\u00ed s\u1eed d\u1ee5ng h\u00e0ng n\u0103m \u0111\u1ec3 t\u0103ng gi\u1edbi h\u1ea1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u00e0 lo\u1ea1i b\u1ecf c\u00e1c m\u1ee5c mi\u1ec5n tr\u1eeb, kh\u00f4ng th\u1ec3 coi l\u00e0 &#8220;quy\u1ebft \u0111\u1ecbnh ti\u1ec1n \u0111\u1ed1i t\u00e1c d\u1ef1a tr\u00ean b\u1ea3o hi\u1ec3m to\u00e1n h\u1ecdc&#8221;.<\/p>\n\n\n\n<p>Ngo\u00e0i ra, t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 coi l\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m n\u1ebfu c\u00f4ng ty c\u1ee7a b\u1ea1n kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m, v\u00ec v\u1eady n\u00f3 kh\u00f4ng th\u1ec3 coi l\u00e0 &#8220;ph\u00e2n t\u00e1n r\u1ee7i ro th\u00f4ng qua t\u00e1i b\u1ea3o hi\u1ec3m v\u00e0 s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u1eb7c tr\u01b0ng cho b\u1ea3o hi\u1ec3m&#8221;.<\/p>\n\n\n\n<p>T\u1eeb nh\u1eefng \u0111i\u1ec1u tra n\u00eau tr\u00ean, ch\u00fang t\u00f4i cho r\u1eb1ng t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 ho\u1ea1t \u0111\u1ed9ng ch\u1ee9ng kho\u00e1n b\u1ea3o l\u00e3nh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Co_can_thiet_phai_tro_thanh_nguoi_tuyen_dung_bao_hiem_dai_ly_bao_hiem_khong\"><\/span>C\u00f3 c\u1ea7n thi\u1ebft ph\u1ea3i tr\u1edf th\u00e0nh ng\u01b0\u1eddi tuy\u1ec3n d\u1ee5ng b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m kh\u00f4ng?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/Monolith.law\/wp-content\/uploads\/2021\/06\/Insurance-Unlicensed-Provided2-1.jpg\" alt=\"\" class=\"wp-image-33250\" \/><\/figure>\n\n\n\n<p>Vi\u1ec7c cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00f2i h\u1ecfi ph\u1ea3i tr\u1edf th\u00e0nh ng\u01b0\u1eddi m\u00f4i gi\u1edbi ho\u1eb7c ng\u01b0\u1eddi chuy\u1ec3n giao s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 b\u00e1n cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng, do \u0111\u00f3, kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u0103ng k\u00fd l\u00e0m ng\u01b0\u1eddi tuy\u1ec3n d\u1ee5ng b\u1ea3o hi\u1ec3m hay \u0111\u0103ng k\u00fd l\u00e0m \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tong_ket\"><\/span>T\u1ed5ng k\u1ebft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nh\u01b0 ch\u00fang ta \u0111\u00e3 th\u1ea5y \u1edf tr\u00ean, c\u00e1c t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m kh\u00f4ng thu\u1ed9c v\u1ec1 b\u1ea3o hi\u1ec3m, v\u00e0 vi\u1ec7c cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u1ea7n gi\u1ea5y ph\u00e9p kinh doanh b\u1ea3o hi\u1ec3m c\u00f3 kh\u1ea3 n\u0103ng b\u1ecb coi l\u00e0 vi ph\u1ea1m Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m (Japanese Insurance Business Law) l\u00e0 th\u1ea5p.<\/p>\n\n\n\n<p>\u0110\u1ed3ng th\u1eddi, b\u1ea1n c\u0169ng kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd l\u00e0 ng\u01b0\u1eddi tuy\u1ec3n d\u1ee5ng b\u1ea3o hi\u1ec3m hay \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, t\u00f9y v\u00e0o n\u1ed9i dung v\u00e0 h\u00ecnh th\u1ee9c b\u00e1n h\u00e0ng c\u1ee7a t\u00f9y ch\u1ecdn, c\u00f3 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c coi l\u00e0 b\u1ea3o hi\u1ec3m, v\u00ec v\u1eady n\u1ebfu b\u1ea1n lo l\u1eafng, h\u00e3y th\u1ea3o lu\u1eadn v\u1edbi lu\u1eadt s\u01b0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Huong_dan_cac_bien_phap_cua_van_phong_luat_su_cua_chung_toi\"><\/span>H\u01b0\u1edbng d\u1eabn c\u00e1c bi\u1ec7n ph\u00e1p c\u1ee7a v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u1ee7a ch\u00fang t\u00f4i<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V\u0103n ph\u00f2ng lu\u1eadt s\u01b0 Monolis, chuy\u00ean v\u1ec1 IT, \u0111\u1eb7c bi\u1ec7t l\u00e0 Internet v\u00e0 lu\u1eadt, l\u00e0 m\u1ed9t v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u00f3 chuy\u00ean m\u00f4n cao v\u1ec1 c\u1ea3 hai m\u1eb7t. Khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, vi\u1ec7c t\u1ea1o h\u1ee3p \u0111\u1ed3ng l\u00e0 \u0111i\u1ec1u ph\u1ed5 bi\u1ebfn.<\/p>\n\n\n\n<p>T\u1ea1i v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u1ee7a ch\u00fang t\u00f4i, ch\u00fang t\u00f4i t\u1ea1o v\u00e0 xem x\u00e9t h\u1ee3p \u0111\u1ed3ng cho c\u00e1c v\u1ee5 vi\u1ec7c kh\u00e1c nhau, t\u1eeb c\u00e1c c\u00f4ng ty ni\u00eam y\u1ebft tr\u00ean Tokyo Stock Exchange Prime \u0111\u1ebfn c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p. N\u1ebfu b\u1ea1n g\u1eb7p kh\u00f3 kh\u0103n v\u1edbi h\u1ee3p \u0111\u1ed3ng, vui l\u00f2ng tham kh\u1ea3o b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/p>\n\n\n\n<p><a href=\"https:\/\/monolith.law\/contractcreation\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/monolith.law\/contractcreation[ja]<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00f4i ngh\u0129 r\u1eb1ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 t\u1eebng ngh\u0129 \u0111\u1ebfn vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m khi g\u1eb7p c\u00e1c s\u1ef1 ki\u1ec7n quan tr\u1ecdng trong cu\u1ed9c s\u1ed1ng nh\u01b0 k\u1ebft h\u00f4n, mua nh\u00e0, ho\u1eb7c khi c\u00f3 con. H\u01a1n n\u1eefa, t\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh h\u00ecnh kinh t\u1ebf, b\u1ea1n [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":60231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[30,24],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts\/59917"}],"collection":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/comments?post=59917"}],"version-history":[{"count":1,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts\/59917\/revisions"}],"predecessor-version":[{"id":60232,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts\/59917\/revisions\/60232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/media\/60231"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/media?parent=59917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/categories?post=59917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/tags?post=59917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}