中文摘要：

在我国保险公司的运营过程中,保费收入是主要收入来源,理赔则是主要的风险因素,保险公司的最基本经营目标就是提高它的赔付能力,确保稳定地运作.通过对破产概率及生存概率的研究,了解其相关制约因素.得出一些重要结论,从而科学地预测保险公司未来的收入,以及估计保险公司的概率等.

英文摘要：

China＇s insurance companies operating in the process,the premium income is the main source of income,claims is the main risk factors,the insurance company＇s basic business objective is to improve its payment capacity to ensure stable operation.Based on the survival probability and the probability of bankruptcy research,understand the relevant constraints.Draw some important conclusions to scientific prediction of the insurance company＇s future revenues,and estimated the probability of other insurance companies.