Case Study On The Operational Efficiency Of China RPHK Professional Health Insurance Company

Driven by national policies and individual needs,China's commercial health insurance has developed rapidly,and both the scale of supply and the level of protection have increased significantly.Commercial health insurance in many developed countries is operated by professional health insurance institutions,but the professional business of commercial health insurance in China started late.It was not until 2005 that the first professional health insurance company was established.There are currently 7 professional health groups.Insurance company.However,since the opening of the professional health insurance company,it has not played the advantage of its specialized operation,and its operating performance is not ideal.It is basically in a state of loss or meager profit.This paper studies the operating efficiency of the first batch of RPHK four professional health insurance companies,and hopes to find out ways to improve their business and avoid waste of social resources.Based on the introduction of the development status of RPHK professional health insurance company,this paper analyzes its profitability,solvency and operational capability by using financial analysis method,and finds that RPHK's profitability is low and fluctuating;short-term solvency and long-term solvency The solvency was weak at the beginning of the company's establishment,and then gradually improved and maintained at a good level;the operational capacity was not stable enough.Using the CCR model and the BCC model in the DEA method,the static efficiency of the RPHK professional health insurance company in 2006-2016 was calculated,and the Malmquist total factor productivity index model was used to measure the dynamic change of the analysis efficiency.The results show that the average value of technical efficiency shows a slight decline after a slight increase.The technical efficiency is lower than the pure technical efficiency of the same period,which is the reduction of scale efficiency.The improvement of technology or the improvement of technical efficiency will promote the improvement of the operational efficiency of professional health insurance companies.Finally,suggestions are made for professional health insurance companies to improve their operational efficiency.