研究一类索赔时间相依的离散风险模型,模型中假设每次主索赔可能引起一次副索赔,而每次副索赔有可能延迟发生.通过引入辅助模型,运用概率论的分析方法得到了破产前瞬时盈余和破产时赤字联合分布的递推解,以及初始值为0时最终破产概率的明确表达式.最后结合保险实例进行了数值模拟. This paper studies a discrete time risk model which is dependent on the time of claim, in which the model assumes that each claim may lead to a secondary claim, and each time it is possible to delay the occurrence of a secondary claim.Through the introduction of aided model, The recursive solution to the joint distribution of surplus and bankruptcy deficit, and the explicit expression of the final bankruptcy probability when the initial value is 0. Finally, the numerical simulation is carried out with the example of insurance.