Sửa đổi Luật KDBH theo hướng phát triển thị trường bền vững

ộ trưởng Bộ Tài chính, Vũ Văn Ninh trả lời ý kiến các đại biểu(VOV) –   Quốc hội nhất trí cho rằng cần nghiên cứu xây dựng các quy định trong khuôn khổ cam kết nhằm kiểm soát chặt chẽ dịch vụ bảo hiểm qua biên giới đối với dịch vụ gốc để tránh thất thoát và thất thu thuế của Nhà nước.

Chiều 26/10, dưới sự điều khiển của Phó Chủ tịch Quốc hội Nguyễn Đức Kiên, các đại biểu Quốc hội đã thảo luận tại hội trường về dự án Luật sửa đổi, bổ sung một số điều của Luật Kinh doanh Bảo hiểm (KDBH).

Việc sửa đổi, bổ sung một số điều của Luật KDBH dựa trên cơ sở đánh giá kết quả 10 năm thực hiện Luật KDBH hiện hành và xuất phát từ những nhu cầu bức xúc trong thực tế.
Phạm vi nội dung sửa đổi, bổ sung gồm 3 nhóm vấn đề, liên quan đến 10 nội dung tại 16 điều, trong tổng số 129 điều của Luật KDBH. Cụ thể: Về cung cấp dịch vụ bảo hiểm qua biên  giới; các vấn đề liên quan đến đấu thầu, hợp tác và cạnh tranh; Sửa đổi quy định về hình thức doanh nghiệp; Về điều kiện cấp phép; Sửa đổi các quy định phải được Bộ Tài chính chấp thuận; Trích lập Quỹ Bảo vệ quyền lợi người được bảo hiểm; Chức năng quản lý nhà nước.

Thảo luận về Dự án Luật này, các đại biểu Quốc hội nhất trí với phạm vi sửa đổi, bổ sung của Dự án Luật chỉ tập trung vào một số vấn đề, đó là: sửa đổi, bổ sung để phù hợp với cam kết Tổ chức Thương mại Thế giới (WTO) của Việt Nam trong lĩnh vực kinh doanh bảo hiểm; sửa đổi để phù hợp với các luật liên quan và sửa đổi, bổ sung nhằm tăng cường công tác quản lý Nhà nước đối với hoạt động KDBH, góp phần tháo gỡ khó khăn, thúc đẩy phát triển thị trường bảo hiểm phát triển bền vững.

Về cung cấp dịch vụ bảo hiểm qua biên  giới, đa số các ý kiến Quốc hội tán thành bổ sung quy định cung cấp dịch vụ này, nhằm phù hợp với cam kết WTO. Tuy nhiên, do hoạt động này có liên quan đến dòng tiền từ nước ngoài vào Việt Nam và ngược lại. Quốc hội nhất trí cho rằng cần nghiên cứu xây dựng các quy định trong khuôn khổ cam kết nhằm kiểm soát chặt chẽ dịch vụ bảo hiểm qua biên giới đối với dịch vụ gốc để tránh thất thoát và thất thu thuế của Nhà nước.

Đại biểu Nguyễn Đình Quyền, Phạm Thị Loan (Hà Nội) và một số đại biểu khác nêu một số băn khoăn quy định trong Luật còn đơn giản, mang tính hình thức chỉ nói đến mục đích mà chưa có chế tài cụ thể. Theo đại biểu Nguyễn Đình Quyền nếu không quy định cụ thể thì phải quy định được nguyên tắc của vấn đề đó.

Về tái bảo hiểm bắt buộc, các đại biểu đề nghị nên quy định cụ thể tiêu chí hệ số tín nhiệm của doanh nghiệp ngay trong Dự thảo Luật cho chặt chẽ, vừa dễ áp dụng, giảm bớt những điều cần phải hướng dẫn.

Các đại biểu đồng ý với Ủy ban Kinh tế cho rằng, việc tái bảo hiểm là do doanh nghiệp chủ động nhằm san sẻ rủi ro và đảm bảo an toàn tài chính cho doanh nghiệp.

Về trích lập Quỹ bảo vệ quyền lợi người được bảo hiểm, đa số ý kiến Quốc hội nhất trí việc bổ sung và cho rằng đây là hình thức bảo đảm an toàn, bảo vệ quyền lợi người tham gia bảo hiểm, giảm thiểu những rủi ro có thể xảy ra với thị trường tài chính. Tuy nhiên, cần quy định cụ thể trong Luật nguyên tắc về tỷ lệ trích lập, cách thức quản lý và sử dụng Quỹ này.

Đa số đại biểu tán thành với những quy định có tính nguyên tắc về các vấn đề liên quan đến đấu thầu, hợp tác và cạnh tranh. Tuy nhiên, các đại biểu đề nghị cần quy định chi tiết trong Dự thảo Luật nội dung về đấu thầu, hợp tác cạnh tranh thì mới có cơ sở pháp lý buộc các doanh nghiệp phải thực hiện theo đúng quy định của pháp luật. Một số ý kiến khác đề nghị nghiên cứu, bổ sung thêm nội dung quy định khuyến khích các doang nghiệp sử dụng vốn không phải ngân sách Nhà nước đấu thầu dịch vụ bảo hiểm để tạo môi trường kinh doanh lành mạnh.

Về sửa đổi quy định hình thức doanh nghiệp, qua thảo luận các đại biểu tán thành sửa đổi, bổ sung cho phù hợp với Luật Doanh nghiệp. Đại biểu Nguyễn Tiến Quân, Ngô Văn Minh (Quảng Nam) cho rằng thực tế nhiều Hợp tác xã đã có hoạt động bảo hiểm và tạo được uy tín, có ý nghĩa thiết thực  với bà con nông dân. Vì vậy, đề nghị cần nghiên cứu, bổ sung quy định Hợp tác xã kinh doanh bảo hiểm vào trong Dự thảo Luật vì Hợp tác xã cũng là tổ chức kinh tế có tư cách pháp nhân (theo quy định Luật Hợp tác xã năm 2003).  Đại biểu Trần Du Lịch (Tp HCM) cũng cho rằng, thời gian tới cần khuyến khích Hợp tác xã nếu đủ điều kiện là thành lập các công ty bảo hiểm.

Về điều kiện cấp phép, đây là hoạt động đặc thù trong lĩnh vực tài chính nên cần phải có những yêu cầu bắt buộc về năng lực tài chính đối với những tổ chức, cá nhân tham gia góp vốn. Do vậy, đa số ý kiến đại biểu nhất trí tán thành với Tờ trình của Chính phủ bổ sung điều kiện bắt buộc về năng lực tài chính và bằng chứng để chứng minh nguồn tài chính hợp pháp đối với tổ chức, cá nhân tham gia góp vốn.

Về quy định việc thay đổi “Chuyên gia tính toán” phải được Bộ Tài chính chấp thuận, có ý kiến cho rằng không cần thiết phải bổ sung quy định này. Tuy nhiên cnũng có nhiều ý kiến tán thành việc thay đổi của Dự thảo Luật vì cho rằng “Chuyên gia tính toán” là người chịu trách nhiệm tính toán phí bảo hiểm, đánh giá thường xuyên khả năng thanh toán của doanh nghiệp bảo hiểm, được chủ động báo cáo cơ quan quản lý bảo hiểm áp dụng các biện pháp cần thiết bảo tính an toàn tài chính… Do đó, cần phải được quản lý thận trọng và chặt chẽ để bảo đảm quyền lợi hợp pháp của người tham gia bảo hiểm.

Về chức năng quản lý nhà nước, đa số ý kiến đồng tình quy định bổ sung thêm chức năng giám sát và thanh tra chuyên ngành như Dự thảo Luật.

Bộ trưởng Tài chính Vũ Văn Ninh đã ghi nhận tiếp thu, tổng hợp, hoàn thiện  những ý kiến đóng góp của Quốc hội  về Dự án Luật sửa đổi, bổ sung một số điều của Luật KDBH đầy đủ hơn./.
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