财产保险公司短期健康险经营效率分析——基于非期望产出的SBM-Malmquist模型  

Property Insurance Company Short-Term Health Insurance Operation Efficiency Analysis——Based on SBM-Malmquist Model with Undesirable Outputs

作　　者：林兵青 Lin Bingqing(Fujian Business University,Fuzhou Fujian 350001,China)

机构地区：[1]福建商学院,福建福州350001

出　　处：《河北能源职业技术学院学报》2024年第1期45-50,共6页Journal of Hebei Energy College of Vocation and Technology

摘　　要：服务“健康中国”战略,助力构建多层次医疗保障体系,推进全民健康,是时代向保险业提出的新命题。基于非期望产出SBM-Malmquist模型,测算2017-2021年我国20家财产保险公司短期健康险业务的经营效率及全要素生产率。结果表明:2017-2021年各财产保险公司短期健康险经营的平均效率为0.779,总体呈现先上升后下降的“倒V”型变动趋势,2021年经营效率下滑至0.658;传统财险公司的经营效率略高于互联网保险公司,且波动较小;短期健康险经营效率以年均17.5%的速度增长,技术进步是影响全要素生产率变动的关键因素。据此提出财险公司应优化资源配置、完善经营管理、加大科技创新投入等对策建议。Serving the strategy of"Healthy China",helping to build a multi-level medical security system,and promoting the health of the whole people are new propositions put forward by the Times to the insurance industry.Based on SBM-Malmquist model with undesirable outputs,this paper measures the operational efficiency and total factor productivity of short-term health insurance business of 20 property insurance companies in China from 2017 to 2021.The results showed that the average efficiency of short-term health insurance operation of all property insurance companies from 2017 to 2021 was 0.779,showing an"inverted V"trend of first rising and then declining,and the operating efficiency declined to 0.658 in 2021.The operating efficiency of traditional property insurance companies is slightly higher than that of Internet insurance companies,and the fluctuation is small.The operating efficiency of short-term health insurance increased at an average annual rate of 17.5%,and technological progress was the key factor affecting the change of total factor productivity.Based on this,it is suggested that property insurance companies should optimize resource allocation,improve management and increase investment in scientific and technological innovation.

关 键 词：短期健康险 经营效率 非期望产出 SBM模型 

分 类 号：F842.3[经济管理—保险]