健康险业务能否提升保险公司经营绩效--兼论我国商业健康保险经营动力  

On Whether Health Insurance can Improve Business Performance of Insurance Companies——the business impetus of domestic commercial health insurance

作　　者：卓志[1,2] 孙正成[3] 

机构地区：[1]山东财经大学 [2]西南财经大学 [3]西南财经大学保险学院

出　　处：《财经科学》2015年第11期34-44,共11页Finance & Economics

基　　金：教育部哲学社会科学研究重大课题攻关项目《巨灾风险管理制度创新研究》(项目编号:09JZD0028);西南财经大学中央高校基本科研业务费专项资金项目“气候变化下保险安全与新型风险分散机制研究”(项目编号:JKB131123)和“社商之争”:人口老龄化下我国老年长期护理保险供给机制研究(项目编号:JBK1407128)

摘　　要：处于"初级发展阶段"的我国健康保险服务业依赖"供给拉动",探究供给不足的原因是促进其快速发展的可行路径。本文用DEA模型测度2009—2013年我国28家人身保险和21家非寿险公司的经营绩效,用面板Tobit模型分析健康险业务规模对各类公司和整个保险行业经营绩效的影响。结果表明,健康险业务规模对不同样本经营绩效的影响存在差异:对非寿险组和总体样本组的经营绩效产生非显著负向影响;而对人身险公司产生非显著正向影响。这意味着我国大多数保险公司确实缺乏经营健康险的根本动力,因此可适时适当对保险公司提供分类支持,提高供给动力。At its initial stage, the service industry of health insurance is driven by supply. It is feasible to promote its rapid growth by probing into causes of the weak supply. The paper evaluated business performance of 28 personal insurance companies and 21 non- life insurance companies from 2009 to 2013 as well as the effect of the business performance on the scale of health insurance and various companies and the entire insurance industry through Tobit model analysis. The findings indicate as follows： divergences exist when it comes to the effect of the business scale on business performance of different samples; the business scale has non- obvious negative effect on the non- life sample group and the entire sample group; it has non- obvious positive effect on personal insurance. It means that most of domestic insurance companies are lacking in the fundamental impetus to sell health insurance. Therefore, it is advisable to offer support to insurance companies in terms of their real conditions and inject more impetus.

关 键 词：健康险业务 保险公司 经营绩效 

分 类 号：F842.3[经济管理—保险]