【摘要】：文章從金融科技的企業(yè)屬性入手,以眾安保險(xiǎn)為例,從金融屬性出發(fā),以收入、成本、風(fēng)控和產(chǎn)品等財(cái)務(wù)數(shù)據(jù)為基礎(chǔ),定量分析企業(yè)現(xiàn)狀;并從科技屬性出發(fā),以用戶服務(wù)、技術(shù)創(chuàng)新、組織構(gòu)架、運(yùn)行流程等角度定性評(píng)判企業(yè)未來的發(fā)展趨勢(shì)。對(duì)于金融科技企業(yè)的估值,需要綜合考慮金融屬性和科技屬性,最終目標(biāo)是反映金融科技企業(yè)的合理價(jià)值。
[Abstract]:This article starts from the enterprise attribute of financial science and technology, takes security insurance as an example, embarks from the financial attribute, based on the financial data such as income, cost, risk control and product, analyzes the present situation of the enterprise quantitatively; Based on the attributes of science and technology, the future development trend of the enterprise is evaluated qualitatively from the aspects of user service, technological innovation, organization structure and operation process. For the valuation of financial science and technology enterprises, financial attributes and technology attributes should be considered comprehensively, and the ultimate goal is to reflect the reasonable value of financial technology enterprises.
【作者單位】： 對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)國(guó)際商學(xué)院;泰山醫(yī)學(xué)院外國(guó)語(yǔ)學(xué)院;中國(guó)信達(dá)資產(chǎn)管理股份有限公司博士后工作站;對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)金融學(xué)院;普華永道中天會(huì)計(jì)師事務(wù)所;
【分類號(hào)】：F842.3

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