《保险研究》20190107-《我国长期照护商业保险供给效率及其影响因素分析》（杜向阳、程民选）

［摘   要］目前鲜有研究将供给效率评估应用于我国长期照护商业保险领域。本文运用 SBM模型和 DEA窗口分析法,对我国保险机构的长期照护保险供给效率进行评估,揭示了近年来我国长期照护商业保险供给效率的趋势变化和改进路径,并构建数理模型对其影响因素进行实证检验。结果显示,我国长期照护商业保险的供给效率整体处于较低水平,专业性保险公司的长期照护保险供给效率较综合性保险公司并不具备优势。市场份额对长期照护商业保险供给效率有显著正向影响,营业费用率对长期照护商业保险供给效率有显著负面影响,因此,扩大长期照护保险市场份额,降低营业费用率,有助于提升长期照护商业保险的供给效率。

［关键词］长期照护商业保险；供给效率；影响因素

［作者简介］杜向阳,西南财经大学博士研究生,研究方向：健康保险与卫生经济；程民选,博士,西南财经大学经济学院教授,博士生导师,研究方向：市场经济理论与实践。

An Analysis of the Supply Efficiency and Influencing Factors of Commercial Long Term Care  Insurance in China

DU Xiang-yang,CHENG Min-xuan

Abstract：Few studies have made supply efficiency assessment on the field of long term care insurance in China.This paper used the SBM model and DEA window analysis method to evaluate the supply efficiency of long-term care insurance of China's insurance institutions,and revealed the trend of change and improvement path of the supply efficiency of commercial long-term care insurance.It also constructed a mathematical model to empirically test its influencing factors.The results showed that the overall supply efficiency of commercial long-term care insurance in China was low,and the supply efficiency of specialized long-term care insurance provider was not superior to that of comprehensive insurance companies.Market share had a significantly positive impact on the supply efficiency of long-term care insurance,while the operating expenses ratio had a significantly negative impact.Therefore,expanding the market share of long-term care insurance and reducing the expenses ratio were helpful for improving on the supply efficiency of commercial long-term care insurance.

Key words：commercial long-term care insurance;supply efficiency;influencing factors