Báo cáo thường niên full

...năm 2014, Bảo Minh vẫn kiên định mục
tiêu kinh doanh “Hiệu quả và phát triển
bền vững”, tiếp tục tập trung vào việc
tái cơ cấu doanh nghiệp về mọi mặt để
phấn đấu tăng trưởng từ 7% đến 8%...
…In 2014, the goal of Bao Minh remain steadfast "Effective and Sustainable
Development", will continue to focus on the restructuring of enterprises strive in
every way to grow from 7% to 8%...
In 2013, we must recognize that most insurers were "struggling"
to implement the business plan. The total market premium
income growth was 7.46 percent, the lowest level since 1993.
Indicators of financial investment income, compensation
ratio,...were also not achieved as desired. This result is a consequence
due to the impact of the global economic downturn.
The market is tough competition will inevitably become increasingly
stiff, new customers increased forcing businesses vied with
each other's customers as not unfair assessment of insurance
risk, reduction, increase costs, to force through administrative
orders unofficial, building contractors all unreasonable. This will
show the shortcomings of the insurer such as lost and not
enough margin payment, debt costs deposition bad, poor
customer service, in the negative, increasing insurance fraud ...
and especially emerging issues in management weaknesses in
internal controls and lax implementation of the policies of
insurance of the insurer.
However, it must be seen in the context of such difficulties,
many insurers have foreseen the risk and prevention, they
accept competition to grow but not at the expense of increased
costs, reduction non-technical that lead to the lost, Insurers have
focused on restructuring the business model of the organization,
focusing on product innovation and development distribution;
strengthening inspection and internal control, expand sales
network and improve the quality of customer care services,
enhanced supervision debt .... As a result, many insurers have
gained profits from direct insurance business, invested the
financial security business efficiency, reduced outstanding
indebtedness lot. Bao Minh is one of the enterprises achieve
such results.
In 2014 ,economic forecasts have progressed over the world,
Vietnam's economy began to recover in expectation, the stock
market situation is gradually going up with the VN-Index
increasedslightly, real estate has marked back effect, a number of
business recovery activities, exchange rate stability, corporations,
state promotion company equalization fiercely at the request of
the Government, many investment projects deployed ... However,
not subjective because there are still many difficulties ahead,
and potential capital for development issues, bad debt, the
internal weaknesses.
In response above 2014 target of Bao Minh remained steadfast
"Effective and Sustainable Development", will continue to focus
on the restructuring of enterprises strive in every way to grow
from seven percent to eight percent. Earnings growth for direct
insurance business, financial investment safety and efficiency.
Challenges still more, the entire staff of Bao Minh continued
commitment to comprehensive renovation completed in 2014
and plans to maintain its position as one of the leading enterprises
in the Vietnam insurance market.
www.baominh.com.vn