Property Insurance Company Short-Term Health Insurance Operation Efficiency Analysis——Based on SBM-Malmquist Model with Undesirable Outputs
Serving the strategy of"Healthy China",helping to build a multi-level medical security system,and promoting the health of the whole people are new propositions put forward by the Times to the insurance industry.Based on SBM-Malmquist model with undesirable outputs,this paper measures the operational efficiency and total factor productivity of short-term health insurance business of 20 property insurance companies in China from 2017 to 2021.The results showed that the average efficiency of short-term health insurance operation of all property insurance companies from 2017 to 2021 was 0.779,showing an"inverted V"trend of first rising and then declining,and the operating efficiency declined to 0.658 in 2021.The operating efficiency of traditional property insurance companies is slightly higher than that of Internet insurance companies,and the fluctuation is small.The operating efficiency of short-term health insurance increased at an average annual rate of 17.5%,and technological progress was the key factor affecting the change of total factor productivity.Based on this,it is suggested that property insurance companies should optimize resource allocation,improve management and increase investment in scientific and technological innovation.
short-term health insuranceoperating efficiencyundesirable outputSBM model
万方数据
