论文总字数：35518字

摘 要

健康保险市场一直以来是保险市场的有机组成部分，更是金融市场的重要分支，其发展与一国的经济水平、历史文化、公民意识密切关联。近年来，面对群众更高层次的健康保障需求，各大保险机构纷纷开展商业健康保险业务，推动商业健康保险公司快速崛起，然而商业健康保险公司发展并非一蹴而就，目前我国商业健康保险仍处发展初期，企业规模较小且盈利能力欠佳，本文基于以上现状对于我国现存的经营健康保险公司的盈利能力进行了分析，旨在研究哪些因素对于我国健康保险公司的盈利能力存在显著的影响，并根据研究结果对健康保险公司盈利能力的提升提出具有科学内涵的意见和建议。

文章分为五大部分，第一部分为绪论，简述了文章的研究背景及目的、文献综述并对整体研究思路与技术路线进行说明。第二部分对商业健康保险的内涵、功能进行概述并介绍了在我国的发展现状。第三部分探讨我国商业将看保险公司的发展历程，并对我国现存商业健康保险公司的盈利能力现状进行分析。第四部分利用面板数据回归，对商业健康保险盈利能力的影响因素进行模型构建选择及变量显著性检验。结果表明保险公司的经营规模、投资能力、赔付额、保费收入以及净利润因素对于健康保险公司的盈利有显著的影响，其中经营规模、净利润、赔付额与保费收入与净资产收益正相关，投资收益与其具有负相关趋势。第五部分依据实证得出全文结论，对商业健康保险公司盈利能力的提升进行对策建议并对文章进行不足与展望阐述。

关键词：商业健康保险公司；盈利能力；影响因素；动态面板分析

The Analysis of Influence Factors of Health Insurance Companies in China: Evidence from Dynamic Panel Data

Abstract

Health insurance market, associated with a country's economic development，culture and citizen consciousness, is an integral part of the insurance market, also an important branch of the financial market. In recent years, due to the strong desire of better equipped medical care from the public, most of the insurance company hurry to establish business in the field of commercial health insurance, and it is obviously that this phenomenon will help promote the emergence of commercial health insurance companies. However, the growth of commercial health insurance companies do not happen overnight, and they are still in its infancy which are small and with poor profitability. This article will research about the potential factor which affects the profitability of the commercial health insurance company based on current situation, and then put forward some practical suggestions to stimulate the company’s ability to make more profit.

The article includes five sections. In the first section, it introduces the research background and significance, literature review, research approach and technical route. The second section summarizes some related definitions of the commercial health insurance and the current situation of commercial health insurance in China. The third section shows the total history of health insurance company in China, and the present profit situation of the existing commercial health insurance companies in China is discussed. The fourth section uses the panel data regression to analyze the factors which influence the profitability of commercial health insurance, and then builds the model and conducts the variable significance test. The results show that factors like the scale of health insurance company, investment ability, payouts, premium income and net profit have significant effect on the health insurance company's profitability: the business scale, net profit, compensation amount and premium income are positively correlated with net assets yield(ROE), while the investment income has negative correlation with it. The fifth section draws a conclusion based on the empirical analysis and make some suggestions. Lastly, it summarizes the deficiency of this research and puts forward the direction of further research.

KEY WORDS: commercial health insurance company; profitability; influence factor, dynamic panel data analysis

目录

摘要 I

Abstract II

目录 III

第1章 绪论 5

1.1研究背景及意义 5

1.2 文献综述 6

1.2.1健康保险研究 6

1.2.2保险公司盈利能力评价研究 7

1.2.3影响商业健康保险公司盈利能力因素的研究 8

1.2.4既有文献评述 9

1.3研究思路 9

1.4研究方法与技术路线 9

1.4.1研究方法 9

1.4.2技术路线 10

第2章 商业健康保险的现状及趋势分析 11

2.1商业健康保险界定 11

2.1.1商业健康保险内涵 11

2.1.2商业健康保险特征概述 11

2.2商业健康保险发展现状 12

2.3商业健康保险发展瓶颈 13

2.4我国商业健康保险经营模式 14

2.5商业健康保险经营趋势 15

第3章我国商业健康保险公司影响因素分析 16

3.1我国商业健康保险发展历史 16

3.2我国商业健康保险公司盈利能力分析 17

3.2.1净利润与投资收益 17

3.2.2净资产收益率 19

3.2.3承保利润率 20

3.2.4简单赔付率 21

第4章我国商业健康保险公司盈利能力影响因素的实证分析 22

4.1样本选取及数据来源 22

4.2变量选择 22

4.2.1变量选取 22

4.2.2变量统计性描述 24

4.2.3平稳性检验 25

4.3面板模型及回归分析 27

4.3.1面板模型选择 27

4.3.2模型估计 28

4.3.3回归分析 29

5.1全文结论 30

5.2政策建议 31

5.2.1公司层面举措 31

5.2.2监管层面举措 32

5.3研究不足及展望 33

附录A 混合模型回归结果 34

附录B 时点、个体时点固定效应回归结果 34

参考文献 36

致谢 38

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