Số No. 03 June (34)-2025 Journal of Finance & Accounting Research - Trang 97

Tóm tắt tiếng Việt:

English Summary:

Under current legal regulations, insurance agency activities are permitted for Vietnamese commercial banks. These activities not only diversify business operations to mitigate risks but also significantly contribute to increasing banks' income, particularly during the COVID-19 pandemic, which led to a decline in income from credit operations. To facilitate this, the legal system and the inspection and supervision work of state management agencies have been continuously improved. However, issues such as dishonest consultation and coercing customers into buying insurance, which have arisen recently from the insurance agency activities of Vietnamese commercial banks, reveal gaps in state management efforts. This reality necessitates further enhancement of state management for these activities to increase profit opportunities for commercial banks while maintaining risk control and operational safety.

Từ khóa: state management; commercial banks; insurance agency; legal regulations; inspection and supervision

Số lượt đọc: 38 - Số lượt tải về: 18

DOI Code: https://doi.org/10.71374/jfar.v25.i3.21