Bao hiem 2

Bao cao thyr Op tang hop Cong ty Co phjn Bao hirn AAA

MUC LUC

Len DAU 0

Phan 1: GIOI THItU CHUNG YE CONG TY CO PHAN BAO mtm AAA 2

1.1. Lich sti• hinh thinh qua trinh phat trien 2

1.1.1. Lich sir hinh thanh 2

1.1.2. Qua trinh phat trien 5

1.2. DO'c diem co' call tO chirc 9

Phan 2: TiNH HINH HOAT WONG KINH DOANH THOT GIAN QUA (2005-

2007) 13

2.1.Tinh Mirth hoot Ong kinh doanh 13

2.2. Ket qua hoot thing kinh doanh 18

2.3. Nhirng van de` con toi 22

Phan 3: PHU'ONG HVONG, CHIEN LOX PHAT TRIEN 23

3.1. Dinh htrorng chi& hug kinh doanh 23

3.2. Phtro.ng hmkng hoot Ming 24

Leif KET 27 VO Thi Thu HO Lop: Bao him 46A

Bao coo thyr tap tang hop Cong ty Co phan Bao hirn AAA

Lol MOB DAU

Thi truong bao hiem Viet Nam gang trop nen sei Ong voi sir tham gia cua

ngay cang nhieu cac doanh nghiep bao hiem. D6 vita la "san choi" cita nhang "dai gia"

tren thi tru6ng vita la "san choi" cna nhung doanh nghiep tre mad buck char' vao thi

tn.reeng. Tai do, moi doanh nghiep hr khang dinh va chiem link thi tnthng bang nhang

the manh rieng cua minh. Thanh lap tir tram 2005, la met doanh nghiep bao hiem tre

tren thi tru6ng bao hiem phi nhan tho, Cong Ty Co Phan Bao Hiem AAA vgi th6ng

diep "Quyen dugc an tarn" mong muen mang lai sv An tarn cho khach hang — nhan

vien - co clang cita cong ty va Lgi ich cho cong deng xa hei. Sau ga'n 03 nam host Ong

tren thi truomg, nhang ket qua ma Co/1g Ty Co pha'n Bao hiem AAA dat duce da

chirng minh va the hien nang lvc va tiem nang phat trien cua cong ty.

Sau met thei gian thirc tap tai cong ty, em da c6 met s6 tim hieu khai (Rik v6': qua

trinh hinh thanh, phat tri6n; thvc trang host Ong Ira phuong huong hoat Ong cna

cong ty. Em by vong bai bao cao c6 the dem lai met cai nhin tong quat nhat ve deg ty.

Em xin chan thanh cam on sir gin') do• cua co gido Nguyen Ngoc H uong va ban

lath dao Cong Ty Co Phan Bao Him AAA da huang clan em hoan thanh bao cao thvc

tap tong hop nay.

Du da c6 nhieu co gang nhung trong qua trinh tim hieu khong the tranh

nhung thieu sot, em rat mong dirge thay CO va cac ban be sung.

Xin chan thanh cam on!

VO Thi Thu HO 1 Lop: Bao hini 46A

Bao cao thyr tap tang hop Cong ty Co phan Bao hiem AAA

Phan 1

GIOI THIEU CHUNG VE CONG TY CO PHAN SAO HIEM AAA

1.1. Lich sir hinh thinh Ira qua trinh Oat trien

1.1.1. Lich sir hinh thanh

Bao hiem thuong mai la mat hoat clang dich vu tai chinh ngay cang có vi tri

quan trong trong nan kinh to Viet Nam. Da:c biet su ra deYi cua nhiau cong ty bao

hiem voi nhiau hinh thirc phap ly khac nhau, su ra dai cua Luat kinh doanh bao

hiem, bao hiem thucrng mai da Oat trien kha toan dien voi tac da tang truerng cao gap

phAn thfic day su phat trien ban vimg cita nen kinh to xa hai, on dinh clai sang cua nhan

Tir nhung dinh huong nett tren, voi muc dich nham khai thac tiam nang da

dang cna thi tmerng Viet Nam dai veri linh vuc bao hiem, truac mat xu the phat trien

manh me tiem Wang kinh to - xa hai va dinh huong chin lucre ph& trien thi truong

bao hiem Viet Nam tir nam 2000 den Warn 2010 dm Chinh phu Viet Nam, mat so

doanh nghiep va ca nhan cimg voi Ngan hang thuong mai ca phAn Phuong Nam va

Ngan hang thuong mai ca phAn quan dai \fad su quyat tam cao da hop tac ding nhau

huong teri linh vuc clAu to vao hoat clang kinh doanh bao hiem. Sau thai gian dai

nghien cfru va chuan bi, cuai nam 2003 nhcing thanh vien nay da hoan tat Ban luan

chi:mg kinh to ky thuat va cac ha so can thiet trinh BO Tai Chinh xem xet cho phep

thanh lap cong ty clued ten goi la Cong Ty Co PhAn Bao Warn AAA.

Cong Ty Co PhAn Rao Him AAA da duoc BO Tai Chinh cong nhan va cap giAy

phep thanh lap va hoat clang so 30/GP/KDBH ngdy 28 thang 2 nam 2005. Day la doanh

nghiep kinh doanh cac loci hinh bao hiem phi nhan tho, tir van va ho tro khach hang

hiau sau va tam quan trong cua bao hiem trong mai truang kinh doanh, cuac song.


Bao cao thifc Op tang hop Cong ty Co phjn Bao hi6n AAA

11114 sci) thong tin chung ve cong ty :

- Ten giao di:ch ting Viet : CONG TY CO PHAN BAO HIEM AAA

- Ten giao dich tie'ng Anh : AAA Assurance Corporation

- Co (tang sang lap c Ong ty gam: 10 ca long

1. Ngan hang thuong mai co phan Quan d6i - S O' 3 Lieu Giai, Ba Dinh, Ha

N6i.

2. Ngan hang thtrong mai co phan Phirong Nam — 279 L. Thuong Kiet, Quan

11, TP HO Chi Minh.

3. Cong ty CO phan to tam A Chau — 81 Nguyen Thai Hoc, Bao L6c, Lam

DOng.

4. Cong ty trach nhiem hixu han Thai Binh — 43/5 An Binh, Di An, Binh

Dtrong.

5. Ba Do Thi Kim Lien — 1A Trail Binh Tr9ng, Binh Thph, TP H6 Chi

Minh.

6. Ong Nguyen Ngoc Anh — 270/45 Phan Dinh Phimg, Phu Nhuan, TP HO

Chi Minh.

7. Ong Nguyen Trong Bay — 237/11 Phan Dinh Phimg, Phu Nhuan, TP HO

Chi Minh.

8. BA Tnrcfng Thi QuOc Khanh — 453/158 Le Van Sy, Quan 3, TP H6 Chi

Minh.

9. Ong Le Viet Thanh - SO 2 dtr6ng 49, quan 2 TP HS Chi Minh.

10.Ong Ng6 Quang Dung — 482/60 A7 Le Quang Dinh, Binh Thanh, TP HO

Chi Minh.

- Tin so. chink : 02 Bis Trail Cao Van, Quan 1, TP WO Chi Minh

- Website : www. aaa.com.vn

VO Thi Thu HO 3 Lap: Bao hiem 46A

http://www./

Bao cao thifc Op tang hop Cong ty Co pha'n Brio hiin AAA

- Hinh thirc phap 1)5 : Cong ty co phan bao hiem

- Thai gian hoat clang : 99 nam

- Van clitt k' hoat clang hien nay : 1.500 ty deng

- Pham vi hoat clang :

+ Kinh doanh. bao hiem g6c : Cong Ty Co Phan Bao Hiem AAA duvc phdp

hoat deng kinh doanh cac san pham bao hiem Phi nhan tho.V6i pham vi rang, cung cap

day dU cac dich vu bao hiem phi nhan tho cho cac ceng ty, to chirc, ca nhan trong va

ngoai nu& dang sink song, kinh doanh, lam viec, hoc tap tren toan lanh th6 Viet Nam.

+ Kinh doanh tai bao hiem : Nhan va Nhugng tai dei ved tat ca cac nghiep vu

bao hiem phi nhan tho.

+ Tien hanh boat deng dau to : Hog deng dau to thirc hien theo cac quy dinh

ciia Phap luat.

- Cac nhom son pham chit y&t, bao gam :

+ Bao hiem hang h6a

+ Bao hiem tau

+ BA° hiem tai san va thiet hai +

Bao hiem ky -two

+ Bao hiem trach nhiem +

ado hiem tin dung + Bao

hiem con nguai + Bao

hiem xe co gied

Phircmg cham hoat clang : " Nhanh - dting - dii " , vdi phuung chain hog

Ong nay bao hiem AAA cam ket kheng ngimg mang lai nhieu dich vu tien ich ham cho

khach hang, Wang viec tap trung dau to va Oat trien ngu6n nhan luc co trinh de

VO Thi Thu HO 4 Lop: Bao hiem 46A


chuyen men cao, co dao arc, trach nhiem va tam huyet v6i nghe; chu trong nang cao

chat lugng dich vu, tai tien san pham. Do'ng thoi thiet lap met he th6ng chi nhanh

giao dich va mang 'Itch phuc vu khach hang tren toan qu6c.

- Thong diep : " Quye'n dugc an tam ", Bao hiem AAA mong muen truyen tai

thong diep nay den tat ca khach hang hien co Ara khach hang trong tuang lai cua deg ty.

Met khi tham gia Bao Him AAA, khach hang co quyen chive an tam vi nhitng ton

that tai chinh do sir c6, tai nan kheng may xay ra trong kinh doanh hay trong cuec

song da có Bao Hiem AAA ganh thy trach nhiem. "Quy&I duvc an tam" dong

thai ding la bon chi hoat cleng cua cong ty, có / nghia d6i vOi nhan vien, dOi tac va

c6 &mg cua cong ty.

1.1.2. Qua trinh Oat trien

Cong ty c6 phan Bao hiem AAA dugc thanh lap vao thong 11-2005 hoat dung cha

yeu trong link vtfc bao hiem phi nhan the, tai bao hiem va dau Pr. Trong dO, nhang

san pham nhu Bao hiem xe co giai, Bao hiem con ngued, Bao hiem tai san, Bao hiem

kSr thuat, Bao hiem hang hai, Bao hiem trach nhiem, Bao hiem tin dung, Bao hiem chay

no... da trO. nen rat quen thuec d6i vOi cac doanh nghiep va ngued

dawn tren ca nue(c. Phuong chain hoat deng "Nhanh-dting- dugc cac nhan

vien Bao hiem AAA triet de Man thu trong qua trinh tiep )(ix va lam viec voi khach

hang. Tir 9 chi nhanh khi thanh lap hien nay, Bao hiem AAA da xay dung dugc

mang luoi Om 55 van phong, chi nhanh, trung tam; gan 10.000 dai ly Ira hon 500

nhan vien boat cleng hieu qua trong cong tac tien hanh giam dinh, th6ng nhat

phuang thirc chi tra, bei thuong cho khach hang met cach nhanh nhat, chinh xac

nhat tren ca mirk vOi met dui ngu nhan vien tre, nhiet tinh va dugc dao tao kha tot.

Trong do, be phan giam dinh va boi thuang go'm 70 chuyen gia nhieu kinh nghiem san

sang toi ngay hien trueing khi khach hang yeu tau de bao ve quyen lgi cua ho.


Bao coo thine tap tang hop Cong ty Co phan Bao hirn AAA

Trong nam 2007, Cong ty da ma r6ng dia ban hoat ctOng ra cac tinh Binh

Thuan, Quang Ngai, Rau Giang, Binh Dinh, Khanh Wm. De tiep tuc ma eeng mang luei

hoat d6ng nham phuc vu tot va kip thai hon cho khach hang, Ngay 05/04/2007:

Cong ty da khai tnrong So giao dich tai mien Bac Ira Chi Nhanh Ha N6i tai 174 - Le

Duan (hien nay tai 155 — Lang Ha). Day la mot su kien danh dau su phat trien cua

cong ty ra mien Bac, m& rOng dia ban hog d6ng. Tiep sau do den thing 12/2007 Cong

ty lai fief) tut khai twang Chi nhanh Bao hiem AAA Wong Nai tai thanh ph6 Bien

Wm. Sir ra dai cita Chi nhanh Dong Nai se dap irng nhu cau phuc vu khach hang mot

each nhanh chOng va kip thai dung vai phuang chain "

Nhanh — Dung — Bao Hiem AAA, d6ng thai dua thuang hieu Bao Hiem

AAA den vai khach hang tren moi mien dm T6 Qu6c.

Tuy con non tre, nhung so vai cac doanh nghiep ding nganh, Bao hiem AAA da

thiet lap dugc mot quy trinh lam viec BA don gian nhung hieu qua. Trong nhieu truing

hop, khi su kien bao hiem xay ra, chi mat vai ba ngay la khach hang da dugc b6i

thuang mot each thoa ding. Dieu do giai thich vi sao tuy mai hog d6ng khong lau

nhung Bao hiem AAA dugc xep thin 8/18 cong ty bao hiem phi nhan tho a Viet Nam.

Nam 2006 doanh s6 cua cong ty dat tren 50 ti d6ng va dugc xem la mot trong nhitng

doanh nghiep tre có nhieu trien vong nhat.

Khi mai thanh lap, von dieu le cua cong ty la 80.000.000 d6ng, tai Dai hOi co

&Ong thuang then nam 2006, C6ng ty Co phan Bao hiem AAA da nhat tri th6ng qua

phuong an tang von dieu 1e tir 80 ti ding len 380 ti d6ng. Phuong an nay da dugc B6

tai chinh cl6ng 3i bang van ban s6 4806/BTC —BH ngay 09/4/2007. Den ngay

18/10/2007 cong ty lai co phuong an tang von dieu le tir 380.000.000 d6ng

len 1.500.000.000 d6ng tai cong van s6 891/CV/07-AAA ph B6 Tai Chinh va

dugc B6 tai Chinh chap thuan ve nguyen tic tai cong van s6 15828/BTC-BH ngay

22/11/2007.



Val viec tang van dieu le ter 80.000.000 clang len 1.500.000.000 deng da

khang dinh cam kat phut trien cua Cong ty, dam bao kha nang hoat clang va cho

thay tiam nang phut trian manh me. Tix met cong ty mai thanh lap thi hien nay

AAA da tra thanh mat trong nhang cong ty bao hiem phi nhan tho lan tren thi

tnrang bao Warn Viet Nam.

Thang 5/ 2007, Cong ty co phan Bao hiem AAA da chinh thirc ky hop d6`ng ban

2 trieu co phan cho tap doan Bankinvest cua Dan Mach. Bankinvest la mot dai tac

l&►, clang quan ly nguen van ham 25 ti do la my, trong do có Quy DAu fix PENM

tri gia 80 trieu do la -1\4-9 chuyen clAu to vao cac DN nho va vera nhieu tiem Wang cua

Viet Nam. Vai vai tro la ca clang chin hxgc cua Bao hiem AAA, ngoai viec chuyen giao

cac bi quyat quan ly, Oat trian kinh doanh, doi tac con cam kat se ho trg bao hiem

AAA hoan thien he thong cong nghe thong tin; me rOng va nang cap cac dich vu

sau ban hang; nghien dm, phut trian va ling dung cac san pham bao hiem mai; duo tao

nguan nhan luc theo tieu chuan quac ta; quan ly rui ro... Dac biet, veri cac mai quan

he cua minh, Bankinvest la cAu not to van cho cac nha dAu to dm Dan Mach tham

gia mua bao hiem cua Bao hiem AAA.

Cong ty co phan bao hiem AAA ding nh5n fink dugc earn quan trong cua viec da

dung sari pham nen da khong ngirng righien dm, phut trian va cho ra dui cac san pham

moi nham clap img nhu cau cua thi truang. Truac khi hap tac voi BankInvest, Bac, hiem

AAA da gay sty chit y khi bat tay vai Assist Card International de fan dAu tien tung ra

thi truang Viet Nam san pham Bao hiem du lich toan au. Day la met trong ntang san

ph5m bao hiem clugc dank gia la hien dui va mang lai nhieu 1gi ich thiet thuc cho

khach hang ma Assist Card da thanh conga gAn 100 quac gia. Hien nay, Assist

Card dang có mang luai van phong rOng khap tren the gied v&i hcm 126.000

trung tam cung irng dich vu gam cac benh vien, he thong dru hO, bac si chuyen

khoa... Vi le do, khach hang mua Bao hiem du Lich toan cau cua Bao hiem AAA

khi ra truck ngoai có the hoan toan an tam nau cha.ng may xay ra su

Yo Thi Thu HO 7 Lop: Bao hini 46A


Tiep do, nam virng nhu cau phat trien cua nguai dan song trong do thi hien dai,

mot lan nfra Bao Hiem AAA lai dua ra mot san pham mai fat hap dA'n, dap 1mg dtroc

long mong moi cua nhieu nguefi: "Ban hiem don that town 130 va mat cap mo to xe

may" vao thang 112008 vita qua.

Chinh nhang dOng thai nay da dua Bao Hiem AAA den vii tang khach hang ca

nhan va doanh nghiep va ciing vai nhang thank ding tit nhang san pham cu the nay,

Bao Hiem AAA trong 2 nAm qua da lien tuc doat duoc cac giai thuang nhu Cup

Ving Chat Ltivng va Hoi Nh4p, Huy chum-1g yang hOi cho trien lam quec t6 "The

giOi phu nu " Ian II va gan day nhat la giai thuang " Vtrong Mien Vang Chat L

uvng Quific T6 ".

NhanICY niem Bao hiem AAA tron 2 tu6i, ngay 2/11/2007 vita qua Cong ty da

chinh thac ra mat va di vao hoat Ong Trung tam Ciru trcr Khan cap Toil' au

24/24. Trung tam nay ra nham nang cao chat luting dich vu, phan ang nhanh viec

giam dinh, be)i thuang ten that, giam bat thu tuc hanh chinh, tham chi co the giai

quyet be)i thuang ngay tai hien tnrang cho khach hang. Thai gian tad, Bao hiem AAA se

tap trung dau hr loin horn nira cho cong nghe thong tin. Tren cu so. do se rut ngan ducfc

quy trinh thu tuc va la nen tang de then khai nhieu san phArn- dich vu mai trong

Mang lai. Nhuing giai thuang quk to nhu "Vucrng mien yang chat luting qu6c

te'" khong chi la ngdm dOng vier' ma con la co hOi de Bao hiem AAA ma Ong hop tac

quec te. Sau 16 trao giai, da có mot se dei tac nueic ngoai de nghi sang Viet Nam tim

hieu de tim co hOi hop tac lam an vai Bao hiem AAA.

Sinh sau de muon gift thai diem day sir canh tranh khec liet cita thi truang bao

hiem trong thai ky gia nhap To chirc Thuung mai the giai, Bao hiem AAA da hoach

dinh cho minh mot lei di rieng: DO a thiat ka cac san pham bao hiem dOc dao va

sang tao phit hop vai nhu ca'u, tinh chat ding viec va dac diem kinh doanh dm tang

doanh nghiep va ca nhan; chit trong va nang cao chat luting dich vu qua

VO Thi Thu HO 8 Lop: Bao hiem 46A

- Bao cao thirc tap tang hop Cong ty Co phan Bao hiem AAA

viec phuc vu khach hang; dua ra chinh sach thu but va phat tri6n nguem nhan luc có trinh

d6 chuyen mon cao, c6 dao dire, trach nhiem Ira tam huyet v6i nghe ; xay dung

thuong hieu than thien, tao cam gide an tarn cho ca khach hang, d6i tac va chinh

nhan vien cua minh.

1.2. Bac diem co' cau to chtic ♦

Ban diem Minh cling ty

Chit tich HDQT kiem T6ng Giam d6c

— Pho chu tich HDQT

Tnayng ban to van

— Ph6 1-Ong Giam d6c

— Pho T6ng &Am deic

— Giam d6c tai chinh

Biio Hill", AAA Chi Nhanh Mien

: BA. Do Thi Kim Lien

: Ong See Chin Thye

: Ong Nguyen Nam

: Ong Dinh Nam Tling :

Ong Le Viet Thanh

: Ong Nguyen Tun Dire

- Ban Giam ddc dieu hanh gem co 1 Giam d6c va 2 Ph6 Giam d6c : 1 Pho

giam d6c phu trach ve hog d6ng kinh doanh va 1 Pho Giam d6c phu trach ve hog

dOng nghiep vu dm chi nhanh.

- PhOng hanh chinh nhan sir : Chiu trach nhiem nhitng van de co lien quan den

d6i ngil can b6, nhan vien ciia chi nhanh nhu can cvSi luting v6i nhu cAu kinh doanh;

co ke hoach va xay dung quy trinh tuyen dung, dao tao, b6 tri sir dung va danh gia hieu

qua cling tac ciia can b6 nhan vien...

- PhOng Ke toan - Thdng ke : co nhiem vu thanh quyet toan cac hop ding,

quail 1Sr thu phi bao hiem g6c, chi tra tien b6i thiremg, tong hgp s6 lieu bao cao tai

chinh...

- Phong kinh doanh so 1, 2, 3, 4, 5 : Khai thac cac hop dOng bap hiem a tat ca cac

nghiep vu bao hiem Hang hai Ira Phi Hang hai


Bao cao thyr Op tang hop Cong ty Co phan Brio hirn AAA

- PhOng Giai guy& khieu nai va hai thwang : Giai guy& nhiing tranh chap ve

quyen lgi bao hiem cho khach hang, lam cho tixng khach hang hieu ro quyen lgi cua ho

duoc hung tirng vv ton that cna tong loci hop gong. Phong giai guy& tat ca cac thac

mac clia khach hang, tir do xac dinh trach nhiem 1)4.:10 thuemg va tin hanh boi thtrang

theo phan cap quan 1Sr.

So. cho to chirc cong ty


r

Bao coo thyr tap tang hop HOI BONG Co BONG

BAN KIEM SOAT

PHONG CNTT

HO BONG QUAN TRI

TONG GIAM DOC

KIEM TOAN DOC LAP

BAN CO VAN

GD VUNG PHO TGD GD VUNG PHO TGD GB VUNG

GB KTHUAT GD KDOANH GD HANH GD TAI CHINH CHINH

GD CHI NHANH GD CHI NHANH GD CHI NHANH

VO Thi Thu Ha 11 Lop: Bao hini 46A

Bao coo thyr tap tang hop

So' cid to chic chi nhanh Mitn Biic

Ban giAm dOc ditu Wirth

Phong kt Wan - thong ke

Phong Phong Phong kin h kinh kinh doanh doanh doanh

A

Phong hanh chinh nhan sty

Phong Phong Phong kinh kinh giai doanh doanh quyel

A so 1

VO Thi Thu Ha

so 2 so 3 so 4

12

so 5 khitu n4i va b4i thtramg

Lop: Bao hini 46A

Bao cao thine tap tang hop Cong ty Co phan BO° hirn AAA

Phan 2

TINH H1NH HOAT BONG KINH DOANH THOT GIAN QUA

(2005-2007)

2.1.Tinh hinh hoat do, ng kinh doanh

Chinh thirc di vao hoat ding tir thang 11/2005, Cong ty Co phan Bao hiem

AAA da nhanh chi:mg khang dinh dugc vi the cua minh tren thi truemg bao hiem. Veii

thong diep "Quyen dtrov an tam", trong thoi gian qua, Rao hiem AAA da dao tao Ira

tuyen dung dugc ngu6n nhan luc có trinh dO chuyen min cao, thanh thao cac ky nang

bao hiem, nang &Ong, nhiet tinh nham phac vu chu dao va chat luong cac dich vu san

pham cho khach hang, nang cao uy tin Cong ty, ding thi gop phan \Tao su phat trien

chung cita nganh bao hiem phi nhan tho cita ntrOc ta. Theo s6 lieu bao cao nam 2006 cita

Hiep Hoi ado hiem Viet Nam, sau mot nam boat ding, Bao hiem AAA da co tic dO

tang tnrang 300%, vucm len hang thir 8 trong bang xep hang &la 18 ding ty bao hiem

phi nhan tho tai Viet Nam.

Hien nay, Bat) hiem AAA da có 55 van phong, chi nhanh, trung tam giao dich, On

500 nhan vien hoat clOng hieu qua trong ding tac tien hanh giam dinh, th6ng nhat

phuong thirc chi tra, b6i thuang cho khach hang mot each nhanh nhat, chinh xac nhat.

Cong ty Co phan Bao hiem AAA mac dit moi di \Tao hoat clOng nhung da tao

dugc uy tin, khang dinh dugc vi the cila minh tren thi throng bap hiem trong nu&

thOng qua nhieu san pham phong phu va chat lugng dich vu. MOt s6 san pham dugc

khach hang danh gia cao nhu: Bao hiem xe co giai, Bao hiem du lich toan cau, Bao

hiem con ngued, Bac, hiem tai san, Bao hiem icy thuat, ado hiem hang hai, Bao

hiem trach nhiem... Trong do, cac san pham Bao hiem xe co giOi, bao hiem sire khoe

va tai nan con ngueei la nhirng san pham mang lai doanh thu phi bao hiem cao cho cOng

ty. Nam 2005, tong doanh thu phi bao hiem xe co giai chiem tren 50%,



tong doanh thu phi bao hiem sire khoe va tai nan con ngtthi chiem ken 20% tong

doanh thu phi bao hiem cua nam, den nam 2006 ty trong nay van tiep tic duy tri va có

phan tang. Ngoai ra, theo chin lugc cita tong ty, Bao hiem AAA mong muen se nhanh

chong gianh the manh chn dao 6. met se nhom nghiep vu bao hiem nhu bao hiem kSr

thuat, bao hiem chay no, bao hiem trach

Mac du mei boat &Ong tren thi tnrang nhung AAA da trien khai dirge nhang san

pham bao hiem clang ghi nhan nhu: Bao hiem Dix an xay dung &rang cao tee Trung

long, se tien bao hiem 610 ty &Ong, kY lc& lied ban quan 1Y du an MS' Thuan; Du an xay

dung chung cu can 110 cao cap Botanic Towers, so tien bao hiem 198 ty deng, ky ket

veyi Cong ty Co pha'n Da'u to Xay dung Phil Hung Gia; Dv an xay dung du&ng, se

tien bao hiem 143 ty de'ng, ky ket voi Ban quan ly du an Giao thong 9. (Chi tiet theo

dei bang 1)

Bang 1: Kinh nghiem mot s6 dich vu bao hiem

T en h Qp d ing Gia tri ding bao Ten co. quan 14 hop

hiem theo hop ding/dtr an

ding (VND)

■ Bap hiem thief bi dien tir 90.000.000.000 Dai Truyen Hinh TP.He' Chi

Minh

■ Bao hiem rap dat du an 144.915.960.682 Dai Truyen Hinh TP He Chi

Au to he thong thiet bi Minh

dm nha trung tam

Truyen hinh

VO Thi Thu HO 14 Lop: Bao hi&n 46A


■ Du an xay dung chung 198.000.000.000

cu can ho cao cap

Botanic Towers

■ Du an xay dung duem g 610.000.000.000

cao te)c Trung ming ■ Bao hiem nha dm may 115.106.000.000

moc thiet bi, hang hoa ■ Bao hiem tien 600.000.000.000

■ Bao hiem Moi rid ro tai 223.000.000.000

san benh vien

Cong ty Co phan Dau fix Xay

dung Phil Hung Gia

Ban quail 13'r du an My Thua'n

Cong ty TNHH NhOt Huy

Ngan hang thurong mai Viet

A

B 8 enh vien chy Ray

13alc biet tai Viet Nam, Bao Hiem AAA con (lucre nhieu khach hang biet den

khong chi la nhung dich vu truyen th6ng ma con la nhang dich vu doc dao, thu tuc

tham gia bao hiem don gian, cong tac giam dinh ton that va giai quyet b6i thuemg

nhanh chung, kip theri, tra thing, tra du va don gian tat ca cac thu tuc hanh chinh. AAA

da lien tuc dua ra nhang san pham rieng biet, dee dap.

Thang 10/2006 Cong ty Ta ket hop vai Cong ty Ciru try Queoc to Assist-card

International Thuy si, cho ra Mat san pham "Bao hi4m du lich town eau" va da

ducyc khach hang &Jib gia cao.

Chirong trinh "Bao Hitm Du Lich Toin ena Bao Hiem AAA

mang den cho khach hang di du lich (cong tac) ra nu& ngoai nhixng tien ich vtrgt


Bao cao thur tap tang hop Cong ty Co phan Bao hiem AAA

trOi so voi cac san pham bao hiem truyen th6ng nhtr:

- Tra giap khach hang khan cap ngay tai nai xay ra su co & mac ngoai.

- 126.000 nha cung carp dich vu tai 99 guar gia tren toan cau.

- 49 tang dai thirang truc 24/24, 365 ngay/ nam.

- 1 Trung tam tong dai ho trg tai thanh pha Ha Chi Minh (tra l&i ba'ng

tieng Viet).

- ID Card (the xanh) clwor nhan dien rOng raj cac benh vien, san bay

guar te.

- Khach hang dirot. bay lanh vien phi khi vuat mirc 1.000USD/EUR. Doi tac

nu& ngoai có uy tin (Assist- Card International) va hon 34 nam kinh nghiem cung

cap dich vu ha' trg. khach du lich gudie te.

Dc'ing that Cong ty CO' phan Bao hiem AAA thanh lap Trung tarn try gitlp

khan cap toan cau vOi six lien ket true tip tir 49 tong dai tren toan the gi6i. Theo dO,

khach hang khi mua bao hiem du lich cua AAA se có quyen yeu cau try giim khan cap

24/24 gib. tai cac queic gia minh gang du lich. Day la trung tam bao dam quyen lqi cho

ngu6i mua san pham bao hiem du lich toan cau AAA. Voi dich vu nay, nguai di du

lich con duyc ti8 try nhieu hang mix nhu : van chuyen khan cap, chi phi y te, bao lanh

vien phi, eh& cat mai tang, chi phi cho than nhan sang tham, tai nan con ngirai, bai

thuong hanh ly v.v...

Cimg voi bao hiem du lich, AAA con la don vi dau tien trong ca n tro.c dua ra loci

hinh dich Ira " An tam on dinh cuiic song " de tranh rui ro thiet hai ve chay no cho cac

to chile ca nhan trong va ngoai nurac.

Ngay 15/06/2007, Cong ty Co Phan Bao fliem AAA da cho ra den san pham mei

: "BA° Hiem xe o to khong kinh doanh". San pham nay có nhieu tien ich va gia tri gia

tang vuot trOi so yeti cac san pham hien có tren thi tn.reyng nh u :

- Midn phi khi di clang kiem xe: Ilan/nam

VO Thi Thu HO 16 Lop: Bao hi em 46A

Bao cao thyr tap tang hop Cong ty Co phan BO° hiem AAA

- Dtro.c tett lien giam phi clOi xe (3 chiec tra len). Mir giant tie 15 den

25%.

- Dtror amr hO mien phi (pham vi Tp. HO Chi Minh).

- Dtrot giam phi bao hiem tir 15 den 40% khi tham gia bcio hiem lien tic

nhieu nam khong phat sinh tan that.

- Dtror htrang dcin va ttr van de ban nhan the Khcich hang 1171 dai AAA-

Eximbank voi nu'rc thou chi 20 trieu cljng

- Duvc ;Wm tien bai throng qua the AAA-Eximbank va cluvc thong bao qua

MobilePhone

- Dtrqc thiu va htrang cian tine tic vay tien mua xe vori magic ter 70% den

80% gia tri xe tai Eximbank

GAn day nhat ngay 8/1 Cong ty co phan bao hiem AAA da ding be trien khai met

san phAm bao hiem mai tai thi truong Viet Nam: dich vu " Bao hiem din thit town

130 va mat cap mo to, xe may " theo do chiec mo to, xe may da mua dich vu bao hiem

ma bi ton that toan b0( ten 75%) hoc bi mat cap thi khach hang se dugc bei thuang

tien hoc phuc hoi thay the met chiec xe khac có cimg nha san xuat, kieu giang va

nam dr dung. trong truong hop khach hang bi mop hoac gap tai nan do yeu to theri tiet

thi khach hang van dugc den bu theo quy dinh. Theo tin tir lAnh dao bao hiem AAA,

san pham nay la kha mai me va duy nhat teen thi tnrang bao hiem Viet Nam hien nay.

Ben canh cac yen to ky thuat, san pham "bao hiem toan bi) va mat cap mo to, xe

may" phi' hop va dap irng dirge nhu cau bao hiem mote/xemay cue dai da phan

chu phuong tien tham gia giao thong, nhat la o met nuot co nen van hod "moto/xe

may" nhu Viet Nam.

Sau gan 3 'lam di vao hog deng, Cong ty Co phan Bao hiem AAA duce danh gia

la doanh nghiep tre, nang Ong, có mire tang twang nhanh. Uy tin va thuong hieu cue

Bao Hiem AAA ngay cang dugc khAng dinh teen thi truong Bao }Hem

VO Thi Thu HO 17 Lop: Bao hi em 46A

Bao cao thyr Op tang hop Cong ty Co phjn BO° hirn AAA

trong nuerc. Trong dinh huerng phat trian cita minh, dung v6i via‘c chit trong vao chat

lugng dich vu, Bao Hiam AAA la dun vi cc') nhiau sari pham dOc dao, sang tao, phis hop

vai nhu cau, tinh chat cong viac va dac diem kinh doanh cua tirng doanh nghiap, ca

nhan.

2.2. KM qua hoat thing kinh doanh

Nam 2005

Day la nam cong ty thanh lap va di vao hoat dOng (tir thang 3/2005), do vay cong

ty chit you tap trung vac) hoan thian ca sa vat chat, tuyan dung can b0 va, titan hanh dao

tao, chuan bi cac tai lieu kST thuat nghiap vu, thu xap tai bao hiam... da tirng btreic di

vao hoat dang va on dinh kinh doanh. Khai twang vac, 11/2005, sau do cong ty thirc sit

btroC vao hoat dang khai thac bao hiam, buck dau chit you tap trung tai dia ban TP. H0

Chi Minh va cac tinh phia nam. Mac dit thoi gian thvc sir hoat dOng la thang 11 va

thang 12 nhung cong ty cling da thu duac kat qua clang ka: doanh thu phi dat

5.080.510.379 d0ng (xem chi fiat tai bang "Kat qua hoat dOng kinh doanh Rao hiam").

Nam 2006:

Buoy sang nam thin hai chink thirc di vao hoat dOng, ding vori sir phat trie'n cilia thi

tnxOng bao hiam va sit nang clang cua minh Cong ty co phan Bala hiam AAA da thu

ducyc rat nhiau kat qua tich CLIC trong hoat dOng kinh doanh nam 2006

Bang 2: Id`t qua hoat d(ing kinh doanh nam 2005, 2006

Dom vi tinh: dong

Chi tieu Nam 2005 Nim 2006

Thu phi bao him g6c 5.080.510.379 48.576.240.474

Thu phi than tai Bao him 268.125.996 2.812.964.358

VO Thi Thu HO 18 Lop: BO° hi&n 46A


Phi nhucmg tai Bao him

Tang(giam) thy phong phi, chi. phong

town hoc

Thu hoa hang nhuong tai Bao hi6m

Doanh thu thudn hoat clang kinh

doanh bao him

Chi bai thuong Bao him gac, tra

tin bao him

Thu bai thirong nhuyng tai bao

hini

Tang (giam) chr phong bai thutmg

So trich cly /thong dao clang kin

trong nam

Chi khac hoat clang kinh doanh bao

hie'm gac

+ chi hoa hang

+ Chi giam dinh tan thdt

+ Chi de phong han ch6 tan thdt

Chi hoa hang hoat clang kinh doanh

nhan tai bao hie'm

Tong chi trixc tiep hoat clang kinh

doanh bao hi6m

VO Thi Thu Ha

736.646.853 11.173.22.804

2.289.271.154 15.874.397.080

183.668.886 3.020.871.291

2.053.924.272 27.213.155.442

501.028.753 8.367.479.734

227.994.572

774.832.140 2.602.275.668

266.269.011 2.276.139.449

439.522.313 3.953.987.173

368.914.133 3.374.355.480

1.955.000 147.467.346

68.653.180 432.164.347

58.447.981 683.522.506

2.040.100.198 17.406.883.638

19 Lop: Bao hi&n 46A


Lgi nhuan Op hog &Ong kinh 463.824.074 9.806.271.804

doanh bao hiem

Lqi nhuan thuan boat dOng kinh 4.377.552.305 23.187.172.816

doanh bao higm Doanh thu hoat (Ring tai chinh 29.917.567 3.565.808.809

Chi hoat clOng tai chinh 3.704.470 17.818.923 Loi nhuan hoat dOng tai chinh 26.213.097 3.547.989.886 TO"ng lgi nhuan kg toan 4.350.609.317 19.608.578.155

Tgng loi nhuan truck thug 4.350.609.317 19.608.578.155

Loi nhuan chiu thug thu nhap doanh 4.350.609.317 19.608.578.155

nghiep

Thus thu nhap doanh nghiep phai 182.097.360

nOp

Lgi nhuan sau thug 4.168.511.946

Qua bang cho to thay kSt qua hog Ong kinh doanh nam 2006 có nhang thay d6i

to lan so lied nam 2005, cu thg el. met so chi tieu nhu:

- Doanh thu phi bac, higm geic tang xap xi gap 9 tan, ngu nhu nam 2005 dat han

5 ty dong, thi dgn nam 2006 la ten 48,5 ty.

- Doanh thu thuan hoat dOng kinh doanh bao higm tang gap gan 13 fan, tir tren

2.5 ty diing len lion 27,2 ty ding.

- Lgi nhuan thuan hoat dOng kinh doanh bao hiem tang xap xi 5 lan tir 4,3 ty

len 23,1 ty di5ng.


Bao coo thyr tap tang hop Cong ty Co phan Bao hiem AAA

Tuy nhang con s6 nay kha khiem ton so \Teri nhang doanh nghiep bao hiem tren

thi tnICing, nhung lai la nhfmg con so clang not cho mot doanh nghiep mOi thanh

1a:p va hoat d6ng dugc hon 1 nam, vita Man thien cac dieu kien de tien hanh kinh

doanh vita hoat d6ng kinh doanh, khAng dinh vi tri tren thi truong.

Wan nam 2007

Buerc sang Wain thir ba hoat d6ng kinh doanh bao hiem dugc trier' khai, veri sty

tang truerng manh me ctla nam 2006, tren da phat trien do trong 9 thang dau nam

2007 lc& qua dat dugc ctia hoat d6ng kinh doanh dal vugt qua ca Warn 2006, Trong 6

thong dAu nam 2007, doanh thu cua C6ng ty dat tren 200% so ding kSr nam 2006. Cu

the:

- T6ng s6 nghiep Iry bao hiem dugc trien khai la 43 nghiep vu

- Thu phi bao hiem g6c dat bun 55 tS7d6ng tang * xi 7 ty d6ng so cu6i nam

2006.

- Doanh thu thuAn hoat d6ng kinh doanh bao hiem la: 37.533.974.279 dong tang

10 ty d6ng so cu6i Wain 2006

- Lgi nhuan g6p hoat d6ng kinh doanh bao hiem: 14.692.822.111 d6ng

- Lgi nhuan thuAn boat d6ng kinh doanh bao hiem: 34.379.532.385 d6ng

- Doanh thu tir hoat d6ng tai chinh: 8.448.273.512d6ng

- Lgi nhuan tit hoat clOng tai chinh: 8.026.213.097 d6ng

T6ng doanh thu nam 2007 la 155 ty d6ng, tang gAp 3 lAn so veri nam ngodi.

Dang ke la von dAu t u da tang len 1.500 ty d6ng so v&i 80 ty Sing cua nam dAu

thanh lap.Ke't qua kinh doanh va mire n6p ngan sach nha nuerc dm ding ty nam sau luon

cao hon nam truarc. Bac, Hiem AAA con la mot trong nhang ding ty có dong gop tich

cuc vao cac hoat d6ng xft. h6i. DO la : Tai trq cho cac cu6c thi ve an toan giao thong,

gieri thieu ve h6i thi "Lai xe an town", gop phAn tuyen truyen, van d6ng cac tang lop

nhan clan nghiem chinh chAp hanh 110 giao thong, ting h6 cac quyr bao



trg xa hei, to chirc nhieu chuang trinh tang qua, tien cho tre em ngheo, khuyet

DO la nhising hoat gong rat dang ghi nhan cua cong ty trong cac hoat gong xa hei

mang tinh nhan dao sau sac.

2.3. Nheng van de con din tai

La met cong ty tre tham gia hoat Ong tren thi truang bao hiem, AAA can gap

nhieu nhang kho khan, thach thirc va co hei trong qua trinh phat trien. Van de Tat ra

cho cong ty la phai tim ra nhitng mat han chdi de khac phuc va hohn thien hon trong

tuong lai. Met se nhung van de dang la han the cua cong ty la:

+ Co it kinh nghiem trong viec trien khai cac nghiep vu bac, hiem vi the se

nghiep vu bao hiem da trien khai con it, chua dap img dugc tat ca cac nhu can cila thi

tru6ng nen doanh thu phi bao hiem chua cao

+ Do la cong ty mOi thanh lap nen con phai chuan bi co so vat chat, vi the chi phi

cho khoan nay rat 16n va se co so vat chat chua the hoan thien de phuc vu hoat deng

kinh doanh

+ Mang luei chi nhanh phuc vu khach hang con thieu, mod chn yeu tap trung vao

met se clia ban la cac thanh phe lem nhu: Ha Nei, TP.HCM, Hai Phong... nen chua

phat hien dugc nhimg thi truong phn hcrp va tiem nang cho met cOng ty tre.

+ Chiu sire ep canh tranh rat 16n tit phia cac cong ty Bao hiem tren thi trirong, Sac

biet trong giai loan tiep theo, khi ma cac cam ket trong WTO dirge thirc hien, thi sirc

ep nay khong chi tit doanh nghiep trong nu& ma con tir phia cac doanh nghiep nu6c

ngodi

+ Doi ngii can be, nhan vien tre, nang deng nhung con it kinh nghiem

+ Chua khang dinh dugc thuong hieu cua minh tren thi tru&ng Ira dei voi

khach hang, hien nay chit "tin" va vie'c xay dung "long tin" dr phia khach hang cila

cOng ty dang trong qua trinh thvc hien, day c6 the not la met bai toan kho dei voi

AAA, cong ty khong nhimg chi khang clinh thuong hieu, uy tin dm minh bang cac



"quan he cong chimg" ma con phai khang dinh no bang chinh chat lucyng cua nhiing dich

vu bao hiem cung cap, do mOi la phuong thirc dem lai chit "tin" that sr dOi vci thi

tnrerng.

Phin 3

PHUONG HaYNG, CHIEN LUVC PHAT TRIEN

3.1. Dinh Indrng chi& lucre kinh doanh

Ra desi trong b0i canh .thi truOng bao hiem Viet Nam da phat trien met cach kha

toan dien hog deng kinh doanh cua cac cong ty bao hiem hau nhu da rat on dinh, có

thi phan va co mirc de tang truerng doanh thu Wong dei cao da dem lai cho AAA nhiing

thach thuc khong nho, dac b* la sue ep canh tranh. Truck thuc to do, cong ty da xay

dung cho minh nhitng phuong huong, chin hxgc kinh doanh phit hop a tirng btrac

khang dinh vi the cua minh. Nhirng dinh huang chien luoc co ban g0m:

• Xfiy dung met dei ngit can be quart ly kinh doanh, ky' thuat chuyen

nghiep.

• Cung cap dich vu khai thach met each cinng clAn va hieu qua nhat cho

khach hang.

• Cai tien chat luting dich vu trong khau giai quy& b0i thtremg, dam bao

nguyen tac: Nhanh — dimg -

• Xay dung he th0ng cong nghe thong tin hien dai de tao ra buoc phat trien

nhanh chong nham dap irng nhu cau quan ly khach hang, cap don bao hiem, thong ke

quan 1y rui ro va quan tri tai chinh ke toan trong giai doan truck mat cling nhu trong

yang 10 nam

• Dam bao dirge sty on dinh, tang tnxOng manh va hieu qua cao.



• Hop tac chat the vdi cac cOng ty bao hiem, tai bao hiem de gia tang mirc phi

gift lai trong nude gop phAn phat then kinh to dAt nuac.

• Hop tac chat the voi cac cong ty bao hiem va tai bao hiem nude ngoai, tan

dung t6i da six giup dO ve mat ky thuat de phat trien cac san pham bao hiem tot cho

khach hang d6ng tiled darn bao on dinh can d6i ve mat tai chink

• Cong Ty CO Phan Bao Hiem AAA se gianh the manh chu dao trong mot s6

nhOm loaf nghiep vu bao hiem nhu: bao hiem ky thuat, bao hiem chay n6, boa hiem

trach nhiem.

• Tang ctdyng quang ba thong tin tuyen truyen quang cao hinh anh cong ty.

Voi phuong cham: "Con nguoi la chia khod cua thank cong" cong ty dac biet chit

trong vao viec tang cuang dao tao chuyen mon, phong cach lam viec chuyen nghiep

cho can b0, nhan vien cua cOng ty tir dO mang lai cho khach hang nhang san phAm va

dich vu hoan hao. Hon niva la math clan ap dung he th6ng cong nghe thong tin dat

chAt lung quOc to de dap img nhu cAu phut vu khach hang va quan ly cua cong ty. 3.2. Phtrung huirng hoat dOng

Trong hei nghi tong ket hoat clOng kinh doanh nam 2007 va clinh hu&ng hoat

&Ong nam 2008 vira qua, Cong ty da dua ra ke hoach doanh so cho nam 2008 la 300

ty &Ong. Theo do, ngoai viec ap dung cac chien lucyc phat trien, hoan thien cac san

phAm bao hiem truyen thOng. Cong ty Co PhAn Bao Hiem AAA se dAy manh viec xay

dung cac chinh sach duy tri hrgng khach hang trong thanh, tim kiem, lua chon, Oat

trien va khai tilde cac nghiep vu bao hiem mOi nham da clang hOa san phAm.

Ben canh do vOi mong mu6n: Mang lai sir an tam cho khach hang va mang lai lgi

ich cho cong dong, Bao Hiem AAA cfmg se Hap tuc Oat trien mot he thong chi nhanh

giao dich va mang hied phut vu khach hang sau reng tren toan quOc, ap dung


Bao cao thyr tap tang hop Cong ty Co phan Bao hiem AAA

he thong ban le, N thOng dai phan dau den nam 2008 he the/1g phuc vu khach

hang se phii kin khap 64 tinh thanh teen ca nuov. DOng theii tap trung dau fix va phat trien

nguOn nhan 1rc có trinh dO chuyen mon cao, c6 ciao dire, trach nhiem va tam huyet

vOi nghe, chit trong nang cao chat lugng dich vu, tai tin san pham, tang cuOng

quang ba nhan biet ve thuong hieu Bao Hiem AAA va chit tong hem ye van de ciao tao

nhan

Trong Hei nghi trien khai cong tac kinh doanh nam 2008 dugc to chirc vao

thang 11/2007 Giam dOc, TruOng phong Ke toan cac don vi thanh vien ding Giam dec

cac khi quan 1ST tai Van phOng COng ty ding dal thang than trao dOi nhimg mat con tan

tai, nhirng kilo khan trong lanh vixc quan 1ST kinh doanh va quan 1ST tai chinh dOng th6i

de ra phuong huang nhiem vu va ke hoach hank dgng cu the nham th%rc hien muc tieu

cita COng ty Want 2008. KhOi tai chinh ke toan drra ra not dung ve cac yeti cau, nguyen

tac co ban trong ding tac ke toan va dp dung cac nguyen the vao timg phan cita ke

toan. KhOi hang hai de ra muc tieu: Tap trung vao doanh nghiep vita va nho, huOng

tai tip can cac doanh nghiep ion, cac chuyen hang le, container, tau song, tau

Wen va tau yen bien...trong do se bO sung quy trinh khai

giam dinh, bOi thuOng, dieu chinh hoac co phuong an ve bieu phi hang Ma, tau

mot cach link hoat, phis hgp vai chuang trinh tai chinh ke toan mai cita cong ty va dung

quy trinh cua phap luat. Muc tieu cita KY& Giam dinh bOi thithng la chit trong xay

dung long tin cita khach hang, dm cac kenh khai thac bao hiem vao ket qua giam dinh

bao hiem bang trach nhiem nghe nghiep va chat lugng k5T thuat giam dinh bao hiem cita

cac giam dinh vien; giam thieu that thoat trong cong tic giam dinh — bOi thuOng

bang chit lugng nghiep vu bao hiem va dao dire cita cac giam dinh vien nham gap phan

dam bao hieu qua kinh doanh va xay dung thuang hieu...

Mat khac, sau khi Viet Nam tro. thanh thanh vien chinh thirc cita Ti chtirc

Thuong mai The giefi (WTO), co h6i gang me'r ra cho tat ca cac doanh nghiep Viet

Nam. Trong khi cac tap doan tai chinh cua nuac ngoai deu xem Viet Nam nhu mot

Vo Thi Thu HO 25 Lop: Bao hiem 46A

Bao cao thyr tap tang hop Cong ty Co phan BO° hiem AAA

thi tn.rang hAp dan bAc nhAt a chau A va tren flux te, có mot s6 doanh nghiep km eila

Viet Nam da di theo con throng nay va a it nhieu dat clugc thanh cong. Co h6i van con

rat nhieu va mot khi tiem luc tai chinh du manh, ben eanh viec kinh doanh trong link

virc bao hiem phi nhan tho, Bao Hiem AAA cling dinh huang se ma rOng &Au hr

tai chinh vi hien nay Cong ty da thuc hien mot s6 du an vai quy m6 nh6, mang tinh

chAt tham do. Hien nay, ngoai viec tim chon them cac d6i tac chin lucre, Cong ty con

tinh tai viec niem yet tren thi trurang chimg khodn.

Muc tieu cua Bao hiem AAA IA nhanh chong lawn len vi tri hang dAu cua

nganh bao hiem trong nhung nam sap

Cong ty Co phAn Bao hiem AAA dang bulk nhang buerc di viIng chAc tren con

duang khAng dinh minh de co the to tin tnrac them h6i nhAp.



LOIKET

Tren day la mot so nhi-mg tim hieu cua em ve Cong Ty Co Phan Bao hiem AAA.

Voi nil-I-mg the manh cua minh, Bap Hiem AAA clang khong ngirng tirng buck klang

clinh vi the cua minh tren thi truomg bao hiem. Bang slr tir tin Ira no lgc Bao Hiem AAA

da va dang hoan thien minh, dua thuong hieu AAA tro. thanh thuong hieu manh tai

Viet Nam teen thi truong bao hiem, dong thoi g6p pha' n cling ca va nang cao rang luc cua

thi tnrCing bao hiem, dam bao an toan cho sir phat trien nen kinh to qu6c dan.


Bao hiem 2

Business