The Research About The Risk Model Added Real Factors

The Risk Theory is the hot research in the Mathematic area and Insurance Calculation area in the current. And the Bankruptcy Theory is a core content in the Risk Theory research. In the insurance practice, the Risk Theory is the most important theory of operators who need use it to analysis and forecast the risk quantificationally. In this paper, to be able to more accurately describe the actual operation of the insurance companies, we have added real factors in the dual two-Poisson model to describe the objective reality better.First, we have introduced a number of important risk models, give the expressions of these risk models, and briefly described several important concepts and theorems which would be used in the next. After that, we have discussed the dual two-Poisson model and some of its natures; On this basis, we have researched the risk model with rear factor, given the distributed distribution equation of the insurance companies' Pre-insolvency surplus; then introduced a model with random walking item in the dual two-Poisson model, so that the model can be better to describe objective reality. And we have obtained the equivalent equation of accommodate coefficient and the final burst-up probability of this model.