综合经营、专业化与健康保险业务发展——基于系统GMM估计的动态面板模型分析  

Comprehensive Operation,Specialization and Health Insurance Development: An Empirical Analysis Based on System-GMM Dynamic Panel Model

作　　者：张强春[1] 王志芳[2] 

机构地区：[1]山东大学经济学院,山东济南250100 [2]山东财经大学经济学院,山东济南250014

出　　处：《保险研究》2014年第3期33-43,共11页Insurance Studies

摘　　要：针对保险公司产品多元化、专业化、主营业务发展状况、公司类型特征等方面对健康保险发展的影响，以我国60家主要保险公司2007～2012年面板数据，采用动态系统广义矩估计（GMM）模型的实证分析表明：健康保险与意外伤害保险、财产保险、人寿保险的综合经营，能够促进其发展，但公司经营的险种越分散、多元化程度越高，越不利于健康保险发展；经营健康保险的专业化程度越高越有利于其发展，但现阶段专业健康保险公司的作用尚不明显；公司规模、集团化、中外资公司等特征对健康保险的影响不显著。Considering the impacts of product diversification, specialization, development of key business lines and the company type on the development of health insurance business, the paper made a dynamic panel analysis by sys- tem-GMM method using panel data from our countries＇ sixty major insurance companies during the period 2007- 2012. The analysis revealed that：comprehensive operation of health, property, accident ＆ casualty and life insurance could promote health insurance development, but the more diverse the operation and the more diversified the product range, the less conducive to the growth of health insurance business;high specialization would benefit health insur- ance development, but at the current stage specialized health insurance company didn＇ t show its advantage ; compa- ny scale, conglomeration, and status of Chinese or foreign companies didn＇ t have perceivable impacts.

关 键 词：健康保险 综合经营 多元化 专业化 广义矩估计 

分 类 号：F842.4[经济管理—保险]