“健康中国”视角下健康险全要素生产率指数测定与评估——基于2005-2015年数据

Evaluating the Total Factor Productivity Index of Health Insurance Industry in China from the Perspective of "the Healthy China Initiative" :Based on Data from 2005 to 2015

针对我国健康保险保费增速下滑的问题,基于2005—2015年五家专业健康保险公司经营数据,通过对我国健康保险领域的全要素生产率进行测算,分析了健康保险资金及劳务投入对我国健康保险发展的产出弹性以及该时期的全要素生产率指数和变动。运用邹至庄检验,逐期计算全要素生产率变化对健康保险产出变动的贡献率。结果显示:健康保险业全要素生产率指数与我国健康保险改革和健康战略的提出具有高度相关性,体现了健康保险行业中制度和健康战略对健康保险业效率的提升具有重大意义。政府应实施适度监管,立足于健康保险产品及服务的公平性和外部性进行改革,并且通过将健康保险与社会医疗体系相结合,不断提升全民健康水平。

In view of premium growth decline of the health insurance industry in China, and based on the operating data of five professional health insurance companies from 2005 to 2015, this article calculated the total factor productivity of the industry, and analyzed the output elasticity of capital and labor inputs as well as the total factor productivity index and change during that period. The Chow test was used to calculate the contribution rate of total factor productivity change for the change of health insurance output. Results show that the total factor productivity index of the health insurance industry is highly correlated with the health insurance reform and health strategy in China. Meanwhile, the health insurance systems and the health strategy are of great significance to improve the efficiency of the industry. Therefore, the government should carry out moderate supervision, reform the industry on the basis offairness and externality of health insurance products and services, and improve the health level of the people by integrating health insurance with the social medical system.