中文摘要：

研究了一类离散时间保险风险模型,其中,保险风险和金融风险服从多元联合Sarmanov分布,并获得了破产概率的渐近形式.

英文摘要：

A discrete‐time insurance risk model was considered ,in which the insurance risks and financial risks follow jointly multivariate Sarmanov distributions ,and the asymptotic formula for ruin probability was obtained .