outstanding claims; outstanding loss

简明释义

未决赔款［保险］

英英释义

例句

1.Due to the natural disaster, there was an increase in outstanding loss reported by various businesses.

由于自然灾害，各个企业报告了增加的未结损失。

2.The insurance company has several outstanding claims that need to be processed before the end of the month.

保险公司有几个未处理的索赔需要在月底之前完成。

3.The auditor flagged the outstanding loss as a potential risk for the upcoming fiscal year.

审计师将未结损失标记为下一个财政年度的潜在风险。

4.Our financial report shows that there are outstanding claims from last quarter that we need to address.

我们的财务报告显示，上一季度有一些未处理的索赔需要我们解决。

5.To improve cash flow, we must settle all outstanding claims with our clients.

为了改善现金流，我们必须与客户结清所有的未处理的索赔。

作文

In the world of finance and insurance, understanding terms like outstanding claims and outstanding loss is crucial for both professionals and clients. These terms refer to specific financial obligations that can significantly impact an organization’s balance sheet. Outstanding claims are those claims that have been reported but not yet settled or paid out. This means that the company acknowledges the claim but has not yet disbursed the funds necessary to close it. On the other hand, outstanding loss refers to the total amount of losses that a company has incurred but has not yet recognized in its financial statements. This could be due to various reasons, such as pending investigations or ongoing legal disputes.To illustrate these concepts, let us consider an insurance company that has received numerous claims from policyholders after a natural disaster. The claims filed by these policyholders would be categorized as outstanding claims until they are fully processed and the payouts are made. The insurance company must set aside reserves to cover these potential payouts, which directly affects its financial health.Moreover, the outstanding loss can also include losses from investments, operational mishaps, or any other unforeseen events that have not yet been recorded in the company's financial statements. For example, if a company has suffered damages due to a fire in its warehouse but has not yet assessed the total cost of the damage, this amount would be considered an outstanding loss. Until the assessments are complete and the losses are quantified, the company cannot accurately report its financial position.Understanding these terms is essential for stakeholders. Investors, for instance, need to be aware of the outstanding claims and outstanding loss when evaluating the risk associated with a particular company. High levels of outstanding claims may indicate potential liquidity issues, while significant outstanding loss could signal underlying problems in operations or risk management.Furthermore, regulatory bodies often require companies to disclose their outstanding claims and outstanding loss in their financial reports. This transparency helps maintain market integrity and protects investors from unexpected liabilities. Companies that fail to adequately manage their outstanding claims and outstanding loss may face scrutiny from regulators and could suffer reputational damage.In conclusion, the terms outstanding claims and outstanding loss play a significant role in the financial landscape of businesses, especially in the insurance sector. They represent the financial commitments that companies must address to ensure their stability and solvency. By understanding these terms, stakeholders can make informed decisions and better navigate the complexities of financial reporting and risk management.

在金融和保险领域，理解像未决索赔和未决损失这样的术语对专业人士和客户来说至关重要。这些术语指的是特定的财务义务，这些义务可能会显著影响组织的资产负债表。未决索赔是指那些已报告但尚未解决或支付的索赔。这意味着公司承认该索赔，但尚未支付必要的资金以关闭它。另一方面，未决损失指的是公司已经发生但尚未在其财务报表中确认的总损失。这可能由于各种原因造成，例如待处理的调查或正在进行的法律纠纷。为了说明这些概念，让我们考虑一家保险公司，该公司在自然灾害后收到了众多投保人的索赔。这些投保人提交的索赔在完全处理并进行赔付之前，将被归类为未决索赔。保险公司必须预留资金以覆盖这些潜在的赔付，这直接影响其财务健康。此外，未决损失也可以包括来自投资、运营失误或任何其他尚未记录在公司财务报表中的不可预见事件造成的损失。例如，如果一家公司因其仓库发生火灾而遭受损失，但尚未评估损失的总成本，则该金额将被视为未决损失。在评估完成且损失量化之前，公司无法准确报告其财务状况。了解这些术语对利益相关者至关重要。例如，投资者需要了解未决索赔和未决损失，以便评估与特定公司的风险。高水平的未决索赔可能表明潜在的流动性问题，而显著的未决损失可能暗示运营或风险管理方面的潜在问题。此外，监管机构通常要求公司在其财务报告中披露未决索赔和未决损失。这种透明度有助于维护市场的完整性，并保护投资者免受意外负债的影响。未能妥善管理其未决索赔和未决损失的公司可能会面临监管机构的审查，并可能遭受声誉损害。总之，术语未决索赔和未决损失在企业的金融环境中发挥着重要作用，尤其是在保险行业。它们代表了公司必须解决的财务承诺，以确保其稳定性和偿付能力。通过理解这些术语，利益相关者可以做出明智的决策，更好地应对财务报告和风险管理的复杂性。