健康保险业务对保险公司经营绩效的影响研究

发布时间：2018-06-26 07:00

  本文选题：健康保险 + 保险公司　； 参考：《南京大学》2017年硕士论文

【摘要】：我国保险业发展30余年来,市场规模不断扩大,市场竞争日益加剧。在此大环境下,健康保险产品逐渐走入人们的视野,成为市场上备受关注的保险产品。近年来,我国医疗保障体系加强深化改革、老龄化程度不断加深、环境污染问题日益严峻,健康保险市场潜在需求庞大,但如何做好健康保险的有效供给是能否把握需求的关键,也是目前急需解决的问题。本文认为,商业健康保险业务发展的内在动因在于公司的管理和决策,由于保险公司经营管理和决策的最终目的是提高绩效表现,以使公司保持发展优势和竞争优势,因此,本文从公司内部出发,探究健康保险业务对保险公司经营绩效会产生怎样的影响,从而掌握对健康保险供给现状展开分析的依据,为解决健康保险市场有效供给问题提供一些思路。本文吸取国内外相关研究的经验,在理论分析健康保险对保险公司经营绩效影响的基础上,选取我国62家2007年开始经营或已经营健康保险业务的商业保险公司作为研究样本,利用样本公司2007年-2015年的公开信息数据,计算相关衡量指标,并建立面板数据模型开展回归分析,得出:健康保险业务对我国保险公司整体经营绩效具有负面影响。进一步分析这一结果产生的原因,在于健康保险较高的技术要求以及单一的产品结构,而从本质上看,这与我国现阶段尚未完善的医疗体制改革密切相关,全民医保的发展进程在一定程度上挤占了商业健康保险市场,国家在努力推进社会医疗与商业保险合作的过程中,相关制度的缺失造成保险市场逆向选择和道德风险问题频发,影响了健康保险业务的有效供给。因此,深层次的制度改革迫在眉睫,本文就此提出了一些对策和建议,希望能够为公司改善健康保险业务供给提供帮助。
[Abstract]:In the past 30 years, the scale of the insurance industry has been expanding and the market competition is becoming more and more serious. In this environment, health insurance products have gradually entered people's vision and become the most concerned insurance products in the market. In recent years, China's medical security system has strengthened and deepened reform, the degree of aging has deepened, the environmental pollution problem has become increasingly serious, and the potential demand for health insurance market is huge. However, how to supply health insurance effectively is the key to grasp the demand, and it is also an urgent problem to be solved. This paper holds that the internal motivation of the development of commercial health insurance business lies in the management and decision-making of the company. Because the ultimate purpose of the management and decision of the insurance company is to improve its performance, so that the company can maintain its development advantage and competitive advantage. This paper explores how the health insurance business will affect the operating performance of the insurance companies from within the company, so as to grasp the basis for the analysis of the current situation of the supply of health insurance. In order to solve the effective supply of health insurance market to provide some ideas. Based on the theoretical analysis of the impact of health insurance on the operating performance of insurance companies, this paper selects 62 commercial insurance companies which began to operate or have engaged in health insurance business in 2007 as the research sample. Based on the public information data of sample companies from 2007 to 2015, this paper calculates the relevant measurement indexes and establishes panel data model to carry out regression analysis. It is concluded that the health insurance business has a negative impact on the overall operating performance of Chinese insurance companies. Further analysis of the reasons for this result lies in the high technical requirements of health insurance and the single product structure, which, in essence, is closely related to the reform of the medical system that has not yet been completed at the present stage in our country. To a certain extent, the development process of universal health insurance has crowded out the commercial health insurance market. In the process of promoting the cooperation between social medical care and commercial insurance, the lack of relevant systems leads to the adverse selection of the insurance market and the frequent problems of moral hazard. It affects the effective supply of health insurance business. Therefore, the deep system reform is urgent, this paper puts forward some countermeasures and suggestions in order to help the company improve the supply of health insurance business.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3;F842.684;F840.4
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本文编号：2069588