我国专业健康保险公司经营效率影响因素的实证研究

发布时间：2018-05-17 08:04

本文选题：专业健康保险公司 + 经营效率　；参考：《兰州大学》2013年硕士论文

【摘要】：商业健康保险对基本医疗保险起到补充作用,是医疗保障体系中不可或缺的一部分。对商业健康保险的专业化经营不仅是医疗保险其特殊性的要求,同时也是国际上健康保险发展的主流趋势。自2005年以来,我国相继成立了人保健康、平安健康、昆仑健康及和谐健康四家专业健康保险公司,作为商业健康保险的主要经营载体及未来发展趋势,我国专业健康保险公司一路走来,其经营过程中既有问题也不乏成就,它们的经营效率究竟如何,又是哪些因素会对其经营效率产生影响,本文的目的就在于探讨我国专业健康保险公司经营效率的情况及其影响因素,并对其经营效率的提高提出具有一定借鉴意义的对策和建议。文章共分为七个部分。第一章导论阐述了文章的研究背景与意义、研究综述、研究思路和研究方法；第二章对企业经营效率理论及商业健康保险理论进行了简要的概述；第三章从多个角度描述了我国专业健康保险公司的发展概况；第四章测度了四家专业健康保险公司的综合效率、技术效率及规模效率,并得出我国专业健康保险公司整体经营效率处于平稳上升趋势的结论；第五章从行业环境、保险公司经营管理及需求的角度定性分析了可能影响专业健康保险公司经营效率的因素；第六章运用灰色关联的分析方法对专业健康保险公司经营效率的影响因素进行了实证分析,结果显示：保险密度、赔付金额、盈利能力、资金运用水平及主要疾病死亡率是影响我国专业健康保险公司经营效率的主要因素；第七章依据实证结论为专业健康保险公司提出了提高其经营效率的对策建议。
[Abstract]:Commercial health insurance plays a supplementary role in basic medical insurance and is an indispensable part of medical insurance system. The specialized management of commercial health insurance is not only the special requirement of medical insurance, but also the mainstream trend of the development of international health insurance. Since 2005, China has set up four professional health insurance companies, namely, people's health insurance, safe health, Kunlun health and harmonious health, as the main business carrier and future development trend of commercial health insurance. Our country specialized health insurance company walks along the way, its management process not only has the question but also has the achievement, their management efficiency exactly how, and what is the factor will have the influence to its management efficiency, The purpose of this paper is to discuss the operational efficiency of professional health insurance companies in China and its influencing factors, and to put forward some countermeasures and suggestions for the improvement of their operating efficiency. The article is divided into seven parts. The first chapter introduces the research background and significance of the article, research review, research ideas and research methods, the second chapter of the business efficiency theory and business health insurance theory are briefly summarized. The third chapter describes the development of professional health insurance companies in China from several angles, the fourth chapter measures the comprehensive efficiency, technical efficiency and scale efficiency of four professional health insurance companies. And draw the conclusion that the overall operating efficiency of professional health insurance companies in China is in a steady upward trend. Chapter five from the industry environment, From the perspective of management and demand of insurance companies, this paper qualitatively analyzes the factors that may affect the operating efficiency of professional health insurance companies. The sixth chapter uses the grey correlation analysis method to carry on the empirical analysis to the professional health insurance company management efficiency influence factor, the result shows: the insurance density, the indemnity amount, the profit ability, The level of fund utilization and the death rate of major diseases are the main factors that affect the operating efficiency of professional health insurance companies in China. Chapter 7 puts forward countermeasures and suggestions to improve the operating efficiency of professional health insurance companies based on empirical conclusions.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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