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针对保险公司产品多元化、专业化、主营业务发展状况、公司类型特征等方面对健康保险发展的影响,以我国60家主要保险公司2007~2012年面板数据,采用动态系统广义矩估计(GMM)模型的实证分析表明:健康保险与意外伤害保险、财产保险、人寿保险的综合经营,能够促进其发展,但公司经营的险种越分散、多元化程度越高,越不利于健康保险发展;经营健康保险的专业化程度越高越有利于其发展,但现阶段专业健康保险公司的作用尚不明显;公司规模、集团化、中外资公司等特征对健康保险的影响不显著。
In view of the impact of insurance company diversification, specialization, main business development and company type characteristics on the development of health insurance, the panel data of 60 major insurance companies in China from 2007 to 2012 are analyzed by GMM The empirical analysis of the model shows that the integrated management of health insurance, accidental injury insurance, property insurance and life insurance can promote their development. However, the more diversified the insurance companies run, the higher the diversification is, the less conducive to the development of health insurance. The higher the degree of specialization of health insurance is, the more beneficial it is to the development of health insurance. However, the role of professional health insurance companies is not obvious at this stage. The characteristics of company scale, collectivization and foreign-funded companies have no significant effect on health insurance.