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内含价值是衡量寿险公司和整个寿险业发展状况的重要工具,而能够动态评价寿险公司经营实际状况的核心指标是公司有效业务价值在未来时间上的分布。在目前尚无有效业务价值分布的评价体系的情况下,内含价值评估的引入有助于从动态的角度评价寿险公司经营的实际状况,有助于反映寿险公司未来的实际偿付能力,可以弥补偿竹能力监管的不足,但内含价值的自身局限决定了其不能作为寿险监管的决定性指标。
Embedded value is an important tool to measure the development of life insurance companies and the life insurance industry. The core index that can dynamically evaluate the actual status of life insurance companies is the distribution of the effective business value of the company in the future. Under the condition that there is no evaluation system of effective business value distribution at present, the introduction of embedded value assessment helps to evaluate the actual status of life insurance company from a dynamic perspective, which can help to reflect the actual solvency of life insurance companies in the future. Compensate for the lack of bamboo capacity regulation, but the inherent limitations of embedded value determines that it can not as a decisive indicator of life insurance regulation.