Research On Commercial Health Insurance In China

The establishment of the strategic goal of "Healthy China" in 2016 symbolizes that China is ushering in a new era of health for all.However,the contradiction between the rapid growth of the people's demand for health security and the insufficient supply capacity of social security has gradually become prominent.As an important component of China's multi-level social security system,commercial health insurance should effectively play its role in preventing medical health risks and alleviating social conflicts.For commercial health insurance,operating efficiency is an important indicator to measure its operating status and social security function,and is also a concentrated expression of the core competitiveness of insurance companies.However,the blind pursuit of premium income and market share in the operation of commercial health insurance in China not only leads to unstable operating efficiency of health insurance,but also leads to waste of social resources.Therefore,the study on how to improve the operating efficiency of commercial health insurance in China is of great significance.In view of this,this paper uses CCR model,BCC model and Malmquist index model to calculate and analyze the operating efficiency of China's commercial health insurance,explores the changes in the operating efficiency of China's commercial health insurance in recent years,and makes Tobit regression analysis on the influencing factors of operating efficiency,so as to provide improvement methods for improving the operating efficiency of China's commercial health insurance and promote the sustained and healthy development of health insurance.First of all,this paper expounds the concept of commercial health insurance,the relevant theories of enterprise operating efficiency and the evaluation methods of operating efficiency,and summarizes and analyzes the current development situation of commercial health insurance in China.Secondly,through the CCR model,BCC model and Malmquist index model in DEA method,the operational efficiency of 36 sample companies from 2014 to 2018 is calculated and analyzed,including technical efficiency,pure technical efficiency,scale efficiency and Malmquist dynamic efficiency.The results show that the technical efficiency of China's health insurance has been improved,but the performance of the efficiency value of each company is not stable,among which pure technical efficiency is the main reason for the change of technical efficiency,and the scale efficiency is stable and at a high level.The decline in total factor productivity of health insurance is mainly caused by the decline in technical level.Thirdly,qualitative analysis and Tobit quantitative analysis are respectively carried out on the influencing factors of the operating efficiency of commercial health insurance in China.The results show that the asset scale,labor input,cost rate,staff education level,profitability and market share are significantly correlated with the operating efficiency of health insurance,while the business-to-business ratio has no significant impact on the operating efficiency of health insurance.Finally,in view of the above conclusions,this paper puts forward some targeted suggestions for improving the operating efficiency of China's commercial health insurance,such as paying attention to human resources management,reasonably expanding the scale of assets,and widening the profit channels.