Reserarch On The Value Evaluation Of Internet Insurance Enterprises From The Perspective Of Business Model

With the development of E-commerce Internet,the economic environment has also changed.The Internet insurance market has flooded into a large number of enterprises.At the same time,different Internet insurance business models have been developed.Among them,professional Internet insurance companies are less limited in time and region than traditional insurance companies,which is conducive to the expansion and development of the company,with obvious advantages.Therefore,exploring its business model and evaluating its enterprise value can not only provide reference for the enterprise value evaluation methods of Internet insurance industry,but also help to study the business model of Internet insurance companies from the perspective of market.The assets of Internet insurance companies are not fixed,and they have random expenditure cost and expected income,which makes the traditional valuation methods have some limitations.For the fast changing Internet insurance enterprises,its real value is no longer suitable to be evaluated by traditional methods.At the same time,Zhongan insurance is a typical enterprise of professional Internet insurance enterprises,so the research on its value evaluation theory and method not only meets the development needs of the times,but also has a high practical significance.Based on the above situation,this paper discusses the development trend and business model of Internet insurance in China from the theory of business model and the theory of Internet enterprise value evaluation,and uses the residual income model to evaluate the value of Internet insurance enterprises.In order to reflect the unique role of business model in the value creation of Internet enterprises,after calculating the actual value of enterprises through the residual income model,the impact ofbusiness model on the actual value is revised.In the process of revision,guided by the two factor composition theory,the business model is constructed from the structure and function levels by using the level analysis method and the fuzzy comprehensive evaluation method From the perspective of Internet insurance enterprise value evaluation model,and apply the model to Zhongan insurance company.First of all,analyze the growth trend of Zhongan insurance's business income and predict its business income;second,determine its expected rate of return and calculate the residual income value;finally,revise the evaluation result,evaluate its overall value,determine the evaluation result,compare the market price of the enterprise and discuss it,and finally get the final evaluation value of the enterprise,so as to protect the other Internet The value evaluation of insurance enterprises provides a reference.