赔付的变化：最近几年的历史赔付数据不是最终的赔付金额，一般要考虑已发生未报告(Incurred But Not Reported)和已发生未足够报告(Incurred But Not Enough Reported )的影响。
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Incurred but not reported losses 已发生但未报的损失 ; 招致但未报告的损失
Incurred but not reported reserve 准备金
IBNR incurred but not reported 已发生未报告
claims incurred but not reported 已报未决保险赔款 ; 未报未决保险赔款
incurred but not reported claims 已发生未报案未决赔款
以上来源于: WordNet
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