社会保障研究
社會保障研究
사회보장연구
SOCIAL SECURITY STUDIES
2012年
3期
19-28
,共10页
健康险%医院收入%协整检验%向量误差修正模型
健康險%醫院收入%協整檢驗%嚮量誤差脩正模型
건강험%의원수입%협정검험%향량오차수정모형
health insurance%hospital revenue%co - integration test%vector error correction model
近年来我国健康险发展较快，但其高赔付率成了进一步发展的“瓶颈”，这主要源于医险市场中的道德风险。本文运用计量经济学方法，对保险赔付和医院收入的关系进行了实证分析。结论：医院医疗收入、门诊收入和住院收入是导致保险赔付上升的原因，健康险赔付对医院收入的影响作用不显著，健康险业务的健康发展离不开医方的紧密协作。建议：保险公司需重视与医院和医生的合作，突出合作重点、改革合作方式和革新合作内容。
近年來我國健康險髮展較快，但其高賠付率成瞭進一步髮展的“瓶頸”，這主要源于醫險市場中的道德風險。本文運用計量經濟學方法，對保險賠付和醫院收入的關繫進行瞭實證分析。結論：醫院醫療收入、門診收入和住院收入是導緻保險賠付上升的原因，健康險賠付對醫院收入的影響作用不顯著，健康險業務的健康髮展離不開醫方的緊密協作。建議：保險公司需重視與醫院和醫生的閤作，突齣閤作重點、改革閤作方式和革新閤作內容。
근년래아국건강험발전교쾌，단기고배부솔성료진일보발전적“병경”，저주요원우의험시장중적도덕풍험。본문운용계량경제학방법，대보험배부화의원수입적관계진행료실증분석。결론：의원의료수입、문진수입화주원수입시도치보험배부상승적원인，건강험배부대의원수입적영향작용불현저，건강험업무적건강발전리불개의방적긴밀협작。건의：보험공사수중시여의원화의생적합작，돌출합작중점、개혁합작방식화혁신합작내용。
In recent years, the development of China＇s health insurance is rapid, but the high loss ratio has become the ＂bottleneck＂ to the further development, and the main reason is moral hazard resulted from the health insurance market. In this paper, we analyze econometric methods. Conclusion ： Hospital rising payment and the insurance payment the relationship between insurance payment and hospital revenue using medical income, outpatient and inpatient income are the reasons of had no significant impact on the hospital revenue, so the healthy development of the health insurance business is inseparable from the medical side of close collaboration. Proposal： Insurance companies must attach importance to the cooperation with hospitals and doctors, highlighting key areas of cooperation, reforming cooperative approach and transforming the contents of cooperation.
