Research On Value Evaluation Method Of Insurance Company In China

In the global insurance industry under the background of the merger back into the active phase, benefited from the reform of the insurance industry in China and risk capital investment in the new deal, the current development of China’s insurance industry is entering the fast lane. Meanwhile, the rise of Internet banking and insurance companies and innovative business and profit-making mode changes bring new opportunities. Due to the policy of positive and the market development of our insurance company has set off a wave of mergers and acquisitions, mergers, restructuring, stock changes and other trading activities also increased.Different from the general industrial and commercial enterprises, insurance companies with income in the former, the cost of operating characteristics, in order to meet future insurance, enterprises must be reserved in advance from the premium part of the reserve, the valuation of the insurance company cannot simply apply the General model. According to the different types of business, our insurance companies can be divided into property insurance companies, life insurance companies and insurance group, of three types of company profit model is different, in terms of selection of the valuation method should not be generalized.Through collection of 10 listed companies to disclose insurance company valuation report, assessment of the current situation analysis of China’s insurance companies value, raised three problems and give some suggestions, and then the two of them which were introduced: 1. the establishment of evaluation system of insurance companies. From life insurance companies, property insurance company and insurance company into three perspectives of China’s insurance company valuation methods to build evaluation systems; 2. assessment methods combined with insurance company features. By understanding of China on the supervision of insurance companies and insurance companies profit model, analyzing the valuation factors, selecting the appropriate evaluation methods and indicators, assessment model of construction applies to three types of insurance companies.