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股权现金流量折现模型由于其内在的合理性,使其成为目前我国保险企业价值评估中最适合的价值评估办法。同时为了更加全面地反映我国保险企业的价值内涵,在股权现金流量折现模型对保险企业现有资产未来获利能力的现值进行预测的基础上,引入期权定价模型对保险企业未来潜在获利能力所产生的价值进行评估,将进一步完善我国保险企业的价值评估方法,使保险企业的价值评估更趋合理和完善。
Due to its inherent rationality, the cash flow discounted cash flow model has become the most suitable method for evaluating the value of the insurance companies in China. At the same time, in order to reflect the connotation of the value of our insurance enterprises more comprehensively, on the basis of predicting the present value of the future profitability of the current assets of the insurance enterprises based on the discounted cash flow model of the equity, the option pricing model is introduced to evaluate the potential profitability of the insurance companies Ability to produce the value of assessment, will further improve the valuation of China’s insurance companies, so that the valuation of insurance companies more reasonable and perfect.