This risk process is made into a homogeneous piecewise deterministic markov process by introducing supplementary components from forward markovization technique . then a martingale is found by the martingale approach of piecewise deterministic markov process ( pdmp ) . the general expression and the lundberg bound of the ruin probability are derived subsequently . the idea of change of the probability measure and the adjustment coefficient are used to find the lundberg bound 首先利用向前马尔可夫技巧使此风险过程成为齐次马尔可夫过程，然后利用逐段决定马尔可夫过程( pdmp )中的鞅方法，得到本文风险模型中鞅的形式，继而求得索赔额分布为一般离散分布的破产概率的一般表达式，并得到破产概率的lundberg界，这里用到了测度变换的思想，从中可以看出调节系数的重要作用。
