《保险研究》20210506-《我国财产保险公司经营短期健康保险的效率及其影响因素分析》(荆涛、王道鹏、邢慧霞)

[中图分类号]F840.32[文献标识码]A[文章编号]1004-3306(2021)05-0077-15 DOI:10.13497/j.cnki.is.2021.05.006

资源价格:30积分

  • 内容介绍

[摘   要]兼具企业经济效益与社会保障功能的短期健康保险已经成为我国财险公司多元化经营转型的重要部分。本文选取2014~2019年22家经营短期健康保险的财产保险公司相关数据,运用窗口SBM分析模型测算出各公司经营效率,揭示了财险业健康保险经营的效率趋势与改进路径,并且构建面板Tobit模型对经营效率的影响因素进行回归分析。结果显示,我国财险业短期健康保险经营效率总体较低,互联网财险公司经营效率较传统财险公司更不稳定;资产规模、人才储备、政策参与以及行业比重与财险业的短期健康保险经营效率正相关,而营业费用率则与经营效率负相关。

[关键词]财产保险公司;短期健康保险;窗口SBM模型;影响因素

[基金项目]教育部人文社会科学研究规划基金项目(16YJA840004)。

[作者简介]荆涛,教授,对外经济贸易大学保险学院博士生导师,研究方向:人寿保险与健康保险;王道鹏(通信作者),对外经济贸易大学保险学院硕士研究生,研究方向:健康保险与健康管理;邢慧霞,对外经济贸易大学保险学院博士研究生,研究方向:长期护理保险。


The Efficiency of Short-term Health Insurance Operation in Property Insurance Companies and Its Influencing Factors

JING Tao,WANG Dao-peng,XING Hui-xia

Abstract:Short-term health insurance,which has both economic benefits and social security functions,has become an important part of the diversification and transformation of property insurance companies in China.This paper selected the relevant data of 22 property insurance companies operating short-term health insurance from 2014 to 2019,used the window SBM analytic model to calculate the operating efficiency of each company,revealed the efficiency trend and improvement path of the health insurance operation in the property insurance industry,and established the panel Tobit model to conduct a regression analysis on the influencing factors of the operating efficiency.The results show that the operating efficiency of short-term health insurance in China′s property insurance industry is generally low,and the operating efficiency of Internet property insurance companies is more unstable than that of traditional property insurance companies.Asset size,talent reserve,policy participation and proportion in the industry are positively correlated with the short-term health insurance operating efficiency of the property insurance industry,while the operating expense ratio is negatively correlated with the operating efficiency.

Key words:property insurance company;short-term health insurance;window SBM model;influencing factors