我国健康保险经营效率及其影响因素研究

Research on Operating Efficiency and Influencing Factors of Health Insurance in China

针对我国健康保险提质增效问题,基于2011—2015年20家保险公司面板数据,通过SBM模型和DEA窗口分析法,本文对我国保险公司每年经营健康保险的效率和变动趋势进行了测算。运用面板Tobit模型,逐步回归判断对经营效率产生影响的因素。结果显示:我国健康险经营效率处于中上水平,大体保持稳定,其中财险公司经营效率下降幅度最大,专业健康险公司经营效率上升幅度明显。在现阶段,通过减小资产规模,减少劳动人员投入以及扩大健康险市场规模有助于提高保险公司经营健康险的效率。

Based on the panel data of 20 insurance companies from 2011 to 2015, combined the SBM model and DEA window analysis method, this paper analyzes the operating efficiency and trend of health insurance in insurance companies of China. Using the panel Tobit model, the factors that affect the operating efficiency are determined by stepwise regression. The results show that China’s health insurance operating efficiency is higher than 0.5, and generally remains stable. At present, it is helpful to improve the efficiency of insurance companies to manage health insurance by reducing the scale of assets, decreasing the investment of labor force and expanding the scale of health insurance market.