中文摘要：

在案均赔款法中引入离群值，运用残差箱线图法和两点法对相关索赔数据进行离群值检验，然后针对离群值提出了一种稳健的案均赔款法，并对进展因子和结案率数据的选取方式加以修正。通过对两组不同数据同时引入离群值，对比了稳健的案均赔款法与传统案均赔款法对多个离群值的敏感性，并得出了相应的未决赔款准备金评估值。经过对比结果可以看出：稳健的案均赔款法可以对离群值进行有效的识别和调整，最终索赔额估计结果也比传统方法更加平稳。

英文摘要：

This paper introduced outlying values into the payments per claim method. The related claims data was tested for the outlying values by box plot of residuals and the two-point method. And then a robust payments per claim method for outlying values was put forward, and the selecting method of progress factors and settlement rate data was amended. The paper compared the sensitivity to multiple outlying values of the robust and the traditional payments per claim method by simultaneously introducing outlying values into two different sets of data and drew the corresponding value of outstanding claims reserve. We can see from the compared results that the robust payments per claim method can effectively identify and adjust outlying values, so that the estimation result of the final claim a- mount is more stable than that of traditional method.