未决赔案是指在保险有效期内已经发生损失,但尚未处理或已处理但尚未最后确定赔款金额、也未办理结付手续的赔案。我们通常说未决赔案包括件效、金额双重含义。在保险业务经营过程中,一定量未决赔案的存在属于正常现象,这是由保险赔案的特点所决定的。从被保险人报案,到现场查勘、核定损失、结案审查以至赔案终了等各环节,均会形成必然的时间差以至产生未决赔案。因此,未决赔案数量的多少受多种因素影响。比如从客观上讲,事故裁定部门不能及时裁定,保险人与被保险人对案件处理意见不一致,保险公司资金困难不能及时赔付,以及出险后被保险人不及时报案或报案后长时期内不索赔等情况下均可产生未决赔案。从主观上讲。有的公司把未决赔案作为调节利润的一个手段,不按实际未决赔案提取未决赔款准备金,根据利润完成情况人为积压赔案或突击甩赔案,还有的公司对未决赔案管理的重要性认识不足,登记不齐全、清理不及时、办事效率低使赔案久拖不决等以致产生 The outstanding claims means the losses that have occurred during the period of validity of the insurance but have not yet been disposed of or have been processed but the amount of indemnity has not yet been finalized and the settlement formalities have not been completed. We usually say that the outstanding claims include the effect of double the amount of meaning. In the insurance business process, the existence of a certain amount of outstanding claims is a normal phenomenon, which is determined by the characteristics of insurance claims. From the insured report, to the scene investigation, verification of losses, closing the case as well as claims and other aspects of the trial, will form the inevitable time difference as a whole or generate an outstanding case. Therefore, the number of outstanding claims is affected by many factors. For example, objectively speaking, the accident adjudication department can not decide in time, the insurer and the insured disagree on the handling of the case, the insurance company funds can not be promptly repaid, and the insured person is not promptly reported after the accident or after reporting a long period of no claim Under such circumstances can produce outstanding claims. Subjectively speaking. Some companies take the pending claims as a means to adjust profits, not according to the actual outstanding claims to extract the outstanding claims reserve, according to the completion of the profits to make a case of backlog or surprise raids, and some companies pending The lack of understanding of the importance of the management of the case, the registration is not complete, not clean up promptly