中文摘要：

在经典带干扰模型的基础上,假定保费收取、个体退保以及理赔过程均为二项过程,建立一种含干扰项的多险种复合二项风险模型.利用收敛定理和鞅分析方法对保险公司风险模型进行研究,得出该模型的破产概率表达式及Lundberg不等式.

英文摘要：

Based on the classical model with interference, and assumed that the arrival process of the amount of claim, the insurance policy and refunding as Compound Binominal process, this paper has established a new multi-insurance risk model with the consideration of the disturbance terms. By the martingale approach and convergence theorem, the formula of ultimate ruin probability is proved simply, and the Lundberg inequality is derived.