Three Categories Of Composi Risk Modal

With the development of social economy, the risk theory has become more and more important in people’s life. Because it can not only provide accurate and effective risk analysis and control for the insurance business, but also can provide correct and reasonable advice and theoretical guidance for the investment of wealth.Compound risk model is established in this paper. According to the differences of the income and the claims process, respectively, we establish models named insurance risk model, perturbed risk model mixed risk models and three-risk model with the dependent relation. In each model, the specific properties of the safety load factor, the regulation factor and the ruin probability are given in this paper. At the end of this paper, with the help of dependent two insurance risk models, we introduce specific examples of display solution process and methods of solving the ruin probability, and demonstrate that the process and the method can be extended to risk model or multiplicity insurance risk model to solve the ruin probability of the solution shown. In daily life, the ways of people investing and financing are no longer single, but more rational with the choice of a variety of combinations, because previous two insurance risk theories have been unable to meet the people’s investment theory, badly in need of more specific close to the theoretical guidance for the actual risk model. Under this situation, this paper summarizing the possible selection and combination of the actual investment of the people, learning from the two insurance risk model, research methods, combining the integrated insurance risk model research results, establishes the insurance risk model, and gives the basic theory.