{"id":51040,"date":"2025-03-20T13:42:21","date_gmt":"2025-03-20T06:42:21","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/?p=51040"},"modified":"2025-03-20T14:03:16","modified_gmt":"2025-03-20T07:03:16","slug":"bancassurance-la-gi","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/bancassurance-la-gi\/","title":{"rendered":"Bancassurance L\u00e0 G\u00ec? Kh\u00e1m Ph\u00e1 7 C\u00e1ch \u0110\u1ec3 Ho\u1ea1t \u0110\u1ed9ng Bancassurance Th\u00e0nh C\u00f4ng"},"content":{"rendered":"\n
Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang ta s\u1ebd t\u00ecm hi\u1ec3u chi ti\u1ebft v\u1ec1 Bancassurance l\u00e0 g\u00ec<\/a><\/strong>, m\u1ed9t m\u00f4 h\u00ecnh k\u1ebft h\u1ee3p gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m, gi\u00fap t\u1eadn d\u1ee5ng qu\u1ef9 kh\u00e1ch h\u00e0ng hi\u1ec7n c\u00f3 \u0111\u1ec3 cung c\u1ea5p \u0111a d\u1ea1ng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh. T\u1eeb \u0111\u00f3, ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p c\u00f3 th\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c h\u00ecnh th\u1ee9c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng.<\/p>\r\n M\u1ee5c l\u1ee5c<\/p> Bancassurance<\/strong><\/a> l\u00e0 h\u00ecnh th\u1ee9c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m qua ng\u00e2n h\u00e0ng, cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng t\u1eadn d\u1ee5ng m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 gi\u1edbi thi\u1ec7u v\u00e0 b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. M\u00f4 h\u00ecnh n\u00e0y kh\u00f4ng ch\u1ec9 t\u1ea1o ngu\u1ed3n thu b\u1ed5 sung cho ng\u00e2n h\u00e0ng m\u00e0 c\u00f2n gi\u00fap kh\u00e1ch h\u00e0ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch ti\u1ec7n l\u1ee3i v\u00e0 hi\u1ec7u qu\u1ea3. Khi kh\u00e1ch h\u00e0ng \u0111\u00e3 c\u00f3 m\u1ed1i quan h\u1ec7 v\u1edbi ng\u00e2n h\u00e0ng, th\u00ec vi\u1ec7c ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u00f4ng qua k\u00eanh n\u00e0y tr\u1edf n\u00ean nhanh ch\u00f3ng, minh b\u1ea1ch v\u00e0 \u0111\u00e1ng tin c\u1eady.<\/p>\r\n\r\n K\u00eanh Bancassurance l\u00e0 g\u00ec? <\/i><\/p>\r\n Xem th\u00eam: <\/strong> Th\u00f4ng tin c\u01a1 b\u1ea3n v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m hi\u1ec7n nay!<\/strong><\/a><\/p>\r\n H\u00ecnh th\u1ee9c Bancassurance c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho c\u1ea3 2 lo\u1ea1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m: b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd. Tuy nhi\u00ean, ph\u1ea7n l\u1edbn c\u00e1c giao d\u1ecbch Bancassurance th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u1edd t\u00ednh ch\u1ea5t d\u00e0i h\u1ea1n v\u00e0 nhu c\u1ea7u \u1ed5n \u0111\u1ecbnh c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\r\n B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/strong><\/a> l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o v\u1ec7 t\u00ednh m\u1ea1ng c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, \u0111\u1ed3ng th\u1eddi mang l\u1ea1i l\u1ee3i \u00edch t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra r\u1ee7i ro. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ph\u1ed5 bi\u1ebfn bao g\u1ed3m:<\/p>\r\n Kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd t\u1eadp trung v\u00e0o vi\u1ec7c b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n v\u00e0 h\u1ed7 tr\u1ee3 b\u1ed3i th\u01b0\u1eddng c\u00e1c thi\u1ec7t h\u1ea1i do r\u1ee7i ro ngo\u00e0i \u00fd mu\u1ed1n g\u00e2y ra. M\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd ph\u1ed5 bi\u1ebfn l\u00e0:<\/p>\r\n \u0110i\u1ec1u G\u00ec Th\u00fac \u0110\u1ea9y S\u1ef1 Ra \u0110\u1eddi C\u1ee7a Bancassurance? <\/i><\/p>\r\n S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a Bancassurance \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi nhi\u1ec1u y\u1ebfu t\u1ed1 k\u1ebft h\u1ee3p, gi\u00fap c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ed1i \u01b0u h\u00f3a l\u1ee3i \u00edch. M\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 ch\u00ednh bao g\u1ed3m:<\/p>\r\n Trong 5 n\u0103m g\u1ea7n \u0111\u00e2y, th\u1ecb tr\u01b0\u1eddng Bancassurance t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 \u0111\u1ea1t m\u1ee9c t\u0103ng tr\u01b0\u1edfng trung b\u00ecnh kho\u1ea3ng 15% m\u1ed7i n\u0103m, minh ch\u1ee9ng cho s\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 ti\u1ec1m n\u0103ng c\u1ee7a m\u00f4 h\u00ecnh n\u00e0y.<\/p>\r\n Xem th\u00eam: <\/strong> T\u00e1i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/strong><\/a>? <\/strong><\/p>\r\n C\u00e1c h\u00ecnh th\u1ee9c Bancassurance \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng ph\u1ed5 bi\u1ebfn hi\u1ec7n nay bao g\u1ed3m:<\/p>\r\n H\u00ecnh th\u1ee9c th\u1ecfa thu\u1eadn ph\u00e2n ph\u1ed1i trong Bancassurance \u0111\u1ea1i di\u1ec7n cho m\u1ed1i quan h\u1ec7 h\u1ee3p t\u00e1c c\u01a1 b\u1ea3n nh\u1ea5t gi\u1eefa ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m. Trong m\u00f4 h\u00ecnh n\u00e0y, ng\u00e2n h\u00e0ng \u0111\u00f3ng vai tr\u00f2 nh\u01b0 m\u1ed9t k\u00eanh ph\u00e2n ph\u1ed1i, t\u1eadn d\u1ee5ng m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh, c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng s\u1eb5n c\u00f3 \u0111\u1ec3 b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m do \u0111\u1ed1i t\u00e1c cung c\u1ea5p. \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c \u00edt ph\u1ee9c t\u1ea1p nh\u1ea5t v\u1ec1 m\u1eb7t c\u1ea5u tr\u00fac v\u00ec kh\u00f4ng \u0111\u00f2i h\u1ecfi s\u1ef1 thay \u0111\u1ed5i l\u1edbn trong c\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c c\u1ee7a c\u1ea3 hai b\u00ean.<\/p>\r\n Ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c hoa h\u1ed3ng t\u1eeb vi\u1ec7c gi\u1edbi thi\u1ec7u v\u00e0 b\u00e1n s\u1ea3n ph\u1ea9m, trong khi c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1edf r\u1ed9ng \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ea7u t\u01b0 v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ea1ng l\u01b0\u1edbi ph\u00e2n ph\u1ed1i ri\u00eang. S\u1ef1 t\u00edch h\u1ee3p gi\u1eefa s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng mang l\u1ea1i gi\u00e1 tr\u1ecb gia t\u0103ng cho kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n c\u1ee7a h\u1ecd.<\/p>\r\n M\u00f4 h\u00ecnh \u0111\u1ed3ng minh chi\u1ebfn l\u01b0\u1ee3c th\u1ec3 hi\u1ec7n m\u1ee9c \u0111\u1ed9 h\u1ee3p t\u00e1c s\u00e2u r\u1ed9ng h\u01a1n gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. Kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m, ng\u00e2n h\u00e0ng tham gia tr\u1ef1c ti\u1ebfp v\u00e0o qu\u00e1 tr\u00ecnh thi\u1ebft k\u1ebf, ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc v\u1ec1 h\u00e0nh vi, nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\r\n C\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c t\u1ea1o ra trong m\u1ed1i quan h\u1ec7 n\u00e0y th\u01b0\u1eddng c\u00f3 t\u00ednh \u0111\u1eb7c th\u00f9 cao, ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng c\u1ee5 th\u1ec3 c\u1ee7a ng\u00e2n h\u00e0ng. M\u1ed1i quan h\u1ec7 n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 b\u1eb1ng c\u00e1c th\u1ecfa thu\u1eadn \u0111\u1ed9c quy\u1ec1n d\u00e0i h\u1ea1n, trong \u0111\u00f3 ng\u00e2n h\u00e0ng cam k\u1ebft ch\u1ec9 ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u1eeb \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c.<\/p>\r\n Vi\u1ec7c ng\u00e2n h\u00e0ng s\u1edf h\u1eefu c\u00f4ng ty b\u1ea3o hi\u1ec3m ri\u00eang \u0111\u1ea1i di\u1ec7n cho chi\u1ebfn l\u01b0\u1ee3c t\u00edch h\u1ee3p d\u1ecdc trong l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. Th\u00f4ng qua vi\u1ec7c th\u00e0nh l\u1eadp m\u1edbi ho\u1eb7c mua l\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t to\u00e0n b\u1ed9 chu\u1ed7i gi\u00e1 tr\u1ecb t\u1eeb ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m \u0111\u1ebfn ph\u00e2n ph\u1ed1i v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro. M\u00f4 h\u00ecnh n\u00e0y cho ph\u00e9p ng\u00e2n h\u00e0ng t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn b\u1eb1ng c\u00e1ch gi\u1eef l\u1ea1i to\u00e0n b\u1ed9 gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c t\u1ea1o ra trong chu\u1ed7i, thay v\u00ec ch\u1ec9 nh\u1eadn hoa h\u1ed3ng t\u1eeb vi\u1ec7c ph\u00e2n ph\u1ed1i.<\/p>\r\n H\u01a1n n\u1eefa, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m g\u1eafn k\u1ebft ch\u1eb7t ch\u1ebd v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng kinh doanh t\u1ed5ng th\u1ec3, t\u1ea1o ra h\u1ec7 sinh th\u00e1i d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e9p k\u00edn. Tuy nhi\u00ean, m\u00f4 h\u00ecnh \u0111\u00f2i h\u1ecfi v\u1ed1n \u0111\u1ea7u t\u01b0 l\u1edbn, chuy\u00ean m\u00f4n trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro ph\u1ee9c t\u1ea1p, v\u00ec v\u1eady th\u01b0\u1eddng ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn c\u00f3 ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh m\u1ea1nh.<\/p>\r\n M\u00f4 h\u00ecnh li\u00ean doanh trong Bancassurance th\u1ec3 hi\u1ec7n s\u1ef1 c\u00e2n b\u1eb1ng v\u1ec1 cam k\u1ebft v\u00e0 chia s\u1ebb r\u1ee7i ro gi\u1eefa ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m. Th\u00f4ng qua vi\u1ec7c th\u00e0nh l\u1eadp m\u1ed9t ph\u00e1p nh\u00e2n m\u1edbi v\u1edbi s\u1ef1 g\u00f3p v\u1ed1n c\u1ee7a c\u1ea3 hai b\u00ean, li\u00ean doanh k\u1ebft h\u1ee3p \u0111\u01b0\u1ee3c th\u1ebf m\u1ea1nh c\u1ee7a c\u1ea3 ng\u00e2n h\u00e0ng (v\u1ec1 m\u1ea1ng l\u01b0\u1edbi ph\u00e2n ph\u1ed1i, hi\u1ec3u bi\u1ebft kh\u00e1ch h\u00e0ng), c\u00f4ng ty b\u1ea3o hi\u1ec3m (v\u1ec1 chuy\u00ean m\u00f4n thi\u1ebft k\u1ebf s\u1ea3n ph\u1ea9m, qu\u1ea3n l\u00fd r\u1ee7i ro). C\u1ea5u tr\u00fac s\u1edf h\u1eefu chung t\u1ea1o \u0111\u1ed9ng l\u1ef1c cho c\u1ea3 hai b\u00ean cam k\u1ebft ngu\u1ed3n l\u1ef1c \u0111\u00e1ng k\u1ec3, chia s\u1ebb tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c ph\u00e1t tri\u1ec3n kinh doanh.<\/p>\r\n \u0110\u1eb7c bi\u1ec7t, c\u00e1c li\u00ean doanh th\u01b0\u1eddng t\u1eadp trung v\u00e0o vi\u1ec7c ph\u00e1t tri\u1ec3n c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh – b\u1ea3o hi\u1ec3m t\u00edch h\u1ee3p, m\u1edf ra c\u01a1 h\u1ed9i t\u1ea1o ra d\u00f2ng s\u1ea3n ph\u1ea9m \u0111\u1ed9c \u0111\u00e1o kh\u00f3 b\u1eaft ch\u01b0\u1edbc b\u1edfi \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh. Tuy nhi\u00ean, th\u00e1ch th\u1ee9c l\u1edbn nh\u1ea5t c\u1ee7a m\u00f4 h\u00ecnh l\u00e0 \u0111i\u1ec1u h\u00f2a v\u0103n h\u00f3a doanh nghi\u1ec7p, quy tr\u00ecnh v\u1eadn h\u00e0nh kh\u00e1c bi\u1ec7t gi\u1eefa l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m, \u0111\u00f2i h\u1ecfi chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n tr\u1ecb r\u00f5 r\u00e0ng, linh ho\u1ea1t.<\/p>\r\n\r\n C\u00e1c H\u00ecnh Th\u1ee9c Bancassurance Hi\u1ec7n Nay <\/i><\/p>\r\n Xem th\u00eam: <\/strong> B\u1ea3o hi\u1ec3m kho\u1ea3n vay l\u00e0 g\u00ec<\/strong><\/a>? <\/strong><\/p>\r\n Sau khi t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c lo\u1ea1i Bancassurance, vi\u1ec7c ph\u00e2n t\u00edch \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a m\u00f4 h\u00ecnh h\u1ee3p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd gi\u00fap ng\u01b0\u1eddi \u0111\u1ecdc hi\u1ec3u r\u00f5 h\u01a1n t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 \u0111\u1ed1i v\u1edbi c\u00e1c b\u00ean li\u00ean quan v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh – b\u1ea3o hi\u1ec3m.<\/p>\r\n1. Bancassurance L\u00e0 G\u00ec? <\/strong><\/span><\/h2>\r\n
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2. C\u00e1c Lo\u1ea1i S\u1ea3n Ph\u1ea9m Bancassurance L\u00e0 G\u00ec? <\/strong><\/span><\/h2>\r\n
2.1 B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd <\/strong><\/span><\/h3>\r\n
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2.2 B\u1ea3o Hi\u1ec3m Phi Nh\u00e2n Th\u1ecd <\/strong><\/span><\/h3>\r\n
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3. \u0110i\u1ec1u G\u00ec Th\u00fac \u0110\u1ea9y S\u1ef1 Ra \u0110\u1eddi C\u1ee7a Bancassurance? <\/strong><\/span><\/h2>\r\n\r\n
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4. C\u00e1c H\u00ecnh Th\u1ee9c Bancassurance Hi\u1ec7n Nay <\/strong><\/span><\/h2>\r\n
4.1 Th\u1ecfa Thu\u1eadn Ph\u00e2n Ph\u1ed1i <\/strong><\/span><\/h3>\r\n
4.2 \u0110\u1ed3ng Minh Chi\u1ebfn L\u01b0\u1ee3c <\/strong><\/span><\/h3>\r\n
4.3 C\u00f4ng Ty B\u1ea3o Hi\u1ec3m Thu\u1ed9c Ng\u00e2n H\u00e0ng <\/strong><\/span><\/h3>\r\n
4.4 Li\u00ean Doanh <\/strong><\/span><\/h3>\r\n
<\/figure>\r\n\r\n
5. \u01afu, Nh\u01b0\u1ee3c \u0110i\u1ec3m C\u1ee7a Bancassurance L\u00e0 G\u00ec? <\/strong><\/span><\/h2>\r\n
5.1 \u01afu \u0110i\u1ec3m C\u1ee7a Bancassurance L\u00e0 G\u00ec?<\/strong><\/span><\/h3>\r\n