本文選題：健康保險 + 保險公司��； 參考：《南京大學》2017年碩士論文

【摘要】：我國保險業(yè)發(fā)展30余年來,市場規(guī)模不斷擴大,市場競爭日益加劇。在此大環(huán)境下,健康保險產品逐漸走入人們的視野,成為市場上備受關注的保險產品。近年來,我國醫(yī)療保障體系加強深化改革、老齡化程度不斷加深、環(huán)境污染問題日益嚴峻,健康保險市場潛在需求龐大,但如何做好健康保險的有效供給是能否把握需求的關鍵,也是目前急需解決的問題。本文認為,商業(yè)健康保險業(yè)務發(fā)展的內在動因在于公司的管理和決策,由于保險公司經營管理和決策的最終目的是提高績效表現,以使公司保持發(fā)展優(yōu)勢和競爭優(yōu)勢,因此,本文從公司內部出發(fā),探究健康保險業(yè)務對保險公司經營績效會產生怎樣的影響,從而掌握對健康保險供給現狀展開分析的依據,為解決健康保險市場有效供給問題提供一些思路。本文吸取國內外相關研究的經驗,在理論分析健康保險對保險公司經營績效影響的基礎上,選取我國62家2007年開始經營或已經營健康保險業(yè)務的商業(yè)保險公司作為研究樣本,利用樣本公司2007年-2015年的公開信息數據,計算相關衡量指標,并建立面板數據模型開展回歸分析,得出:健康保險業(yè)務對我國保險公司整體經營績效具有負面影響。進一步分析這一結果產生的原因,在于健康保險較高的技術要求以及單一的產品結構,而從本質上看,這與我國現階段尚未完善的醫(yī)療體制改革密切相關,全民醫(yī)保的發(fā)展進程在一定程度上擠占了商業(yè)健康保險市場,國家在努力推進社會醫(yī)療與商業(yè)保險合作的過程中,相關制度的缺失造成保險市場逆向選擇和道德風險問題頻發(fā),影響了健康保險業(yè)務的有效供給。因此,深層次的制度改革迫在眉睫,本文就此提出了一些對策和建議,希望能夠為公司改善健康保險業(yè)務供給提供幫助。
[Abstract]:In the past 30 years, the scale of the insurance industry has been expanding and the market competition is becoming more and more serious. In this environment, health insurance products have gradually entered people's vision and become the most concerned insurance products in the market. In recent years, China's medical security system has strengthened and deepened reform, the degree of aging has deepened, the environmental pollution problem has become increasingly serious, and the potential demand for health insurance market is huge. However, how to supply health insurance effectively is the key to grasp the demand, and it is also an urgent problem to be solved. This paper holds that the internal motivation of the development of commercial health insurance business lies in the management and decision-making of the company. Because the ultimate purpose of the management and decision of the insurance company is to improve its performance, so that the company can maintain its development advantage and competitive advantage. This paper explores how the health insurance business will affect the operating performance of the insurance companies from within the company, so as to grasp the basis for the analysis of the current situation of the supply of health insurance. In order to solve the effective supply of health insurance market to provide some ideas. Based on the theoretical analysis of the impact of health insurance on the operating performance of insurance companies, this paper selects 62 commercial insurance companies which began to operate or have engaged in health insurance business in 2007 as the research sample. Based on the public information data of sample companies from 2007 to 2015, this paper calculates the relevant measurement indexes and establishes panel data model to carry out regression analysis. It is concluded that the health insurance business has a negative impact on the overall operating performance of Chinese insurance companies. Further analysis of the reasons for this result lies in the high technical requirements of health insurance and the single product structure, which, in essence, is closely related to the reform of the medical system that has not yet been completed at the present stage in our country. To a certain extent, the development process of universal health insurance has crowded out the commercial health insurance market. In the process of promoting the cooperation between social medical care and commercial insurance, the lack of relevant systems leads to the adverse selection of the insurance market and the frequent problems of moral hazard. It affects the effective supply of health insurance business. Therefore, the deep system reform is urgent, this paper puts forward some countermeasures and suggestions in order to help the company improve the supply of health insurance business.
【學位授予單位】：南京大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F842.3;F842.684;F840.4
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本文編號：2069588