Study On Operation Efficiency And Influencing Factors Of Professional Health Insurance Companies In China

As an indispensable part of the medical insurance system,commercial health insurance plays a complementary role in basic medical insurance.For commercial health insurance,its professional management has already begun to be implemented in developed countries in foreign countries,but the professional management of commercial health insurance in China started late.Since 2005,China has established professional health insurance companies,and has set up four companies: health care,safety and health,Kunlun health and harmonious health.In recent years,our country has set up a joint and CPIC Allianz,Fosun health Ruihua three professional health insurance company.Up to now,there are seven professional health insurance companies in China.As a professional business health insurance company,from the beginning of its establishment to the present,it has made great achievements all the way,but there are still some problems.What are the operational efficiencies of professional health insurance companies? What are the factors that affect their operational efficiency?This paper first carries out theoretical research,introduces the theory of enterprise management efficiency,briefly outlines the evaluation method of enterprise management efficiency,and introduces the efficiency evaluation method used in this paper.Then,starting with the development of four professional health insurance companies in China,this paper briefly introduces the basic situation of the professional health insurance companies in China,including the time and the types and scope of the business,and then analyzes the operating status of the professional health insurance companies,and mainly analyzes the two aspects of the premium income and the compensation expenditure.And then analyze the financial situation of the professional health insurance company from the beginning to the 2015,mainly from three aspects of profitability,solvency analysis and operation ability,and choose the four indexes,namely,the rate of underwriting,the rate of net assets,the ratio of assets and liabilities,the ratio of flow and the rate of payment.Secondly,on the basis of the enterprise management efficiency evaluation theory,the data envelopment analysis method is used to calculate the comprehensive technical efficiency value,pure technical efficiency value and scale efficiency value of the four professional health insurance companies in China for 2008~2015 years,and the dynamic operating efficiency of the four companies is studied and analyzed with the method of Malmquist index.On the basis of research and analysis,the factors affecting the management efficiency of China's professional health insurance companies are determined by using the Tobit model to test these factors,and the effect of these factors is analyzed one by one.Finally,some suggestions for improving the operation of professional health insurance companies in China are put forward.