In consideration of multitype risk in the operation of insurance companies , this paper studies some important variables in insurance business and then comes to the conclusion that the surplus process is related to safe load and individual claim amount distribution when the preliminary reserve is zero while the surplus process is related to adjustment coefficient when the preliminary reserve is beyond zero 摘要考虑到保险公司同时经营多种不同质风险的情况，本文从保险业务中需要研究的几个重要变量出发，研究了初始准备金为零时，盈余过程与安全负荷及个体索赔额分布有关；当初始准备金大于零时，盈余过程与调节系数相关等情形。
