Empirical Study On The Influence Factors Of Professional Health Insurance Companies’Operating Efficiency

Commercial health insurance which plays a supplementary role in medical security system has become more and more essential. Specialized operation of commercial health insurance has to be considered not only because of the particularity of medical insurance but also because of the mainstream of development trend in the world. In recent years, four professional health insurance companies have been set up in our country. Due to the difference of their scale efficiency, their performances on operating efficiency are different as well. In order to improve their operating efficiency, specialized health insurance companies have to develop the insurance business, strengthen the investment business and achieve effective control of risks at the same time.This article is divided into seven parts. Chapter one, the introduction part includes research background and significance of this paper, research review, train of thought and research methods; Chapter two is a brief overview of enterprise operation efficiency theory and commercial health insurance theory; Chapter three describes the development situation of the specialized health insurance companies from several angles; Chapter four measures the operating efficiency, technical efficiency and scale efficiency of the specialized health insurance companies; Chapter five is the qualitative analysis of the factors that possibly influence the operating efficiency of specialized health insurance companies; Chapter six uses the quantitative analysis to distinguish the main influence factors and secondary influence factors; According to the empirical results, chapter seven gives some advice from the aspects of both government’s policy and insurance companies to improve their operating efficiency.