Application Research Of Fuzzy Real Options Based On Customer Value In The Valuation Of Internet Insurance Companies

With the continuous development of insurance technology and the increasing standardization of supervision,China’s Internet insurance industry has ushered in sustainable and high-quality development.However,the valuation structure of Internet insurance companies has not yet been built in the market,which could provide a scientific and fair valuation result for the financial market.As a result,capital can’t inflow into excellent Internet insurance companies,obstructing the development of the industry.Based on the analysis and research of the current common methods of enterprise value appraisal of insurance companies,this paper explores the development characteristics and enterprise characteristics of the Internet insurance industry.Then,this paper selects the real options as the basis for the evaluation of the value of Internet insurance enterprises,attaching importance to the customer value theory to estimate and blur the parameters.After that,the constructed model was applied to the case of Zhong An Insurance Company for valuation research.After sorting out and introducing the company’s data and business structure,the company’s monthly active population growth equation and customer value equation were constructed to estimate the parameters that would be blurred,and the enterprise value was estimated.Moreover,the subsequent results were verified.In fact,the valuation results show that fuzzy real options based on customer value have good applicability in the value assessment of Internet insurance enterprises,which can provide a certain reference for investment.