赔款准备金指在每一财务年度决算以前，保险人对已经索赔尚未赔付的保险赔偿或给付，或者已经发生保险事故，尚未索赔的保险赔款或给付所提存的资金准备。
未决赔款准备金的估计对于保险公司而言非常重要。
It is very important for the general insurers to estimate the outstanding loss reserve.
[摘要]在目前管理模式下，已发生已报告未决赔款准备金存在计提不及时、不真实的问题。
Abstract: This paper pointed out that there were problems of delayed recognition and impreciseness of incurred and reported outstanding claims reserves under the current management mode.
未决赔款准备金是保险公司责任准备金中最重要的部分，也是准备金精算师日常工作的主要部分。
The outstanding claim reserve is the most important part of reserves. The actuaries in the insurance companies pay most time in estimating the outstanding claim reserves.
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