This paper investigates probabilities of the ruin within finite horizon for a discrete time risk model , in which the net individual risks are heavy -tailed.Under some mild conditions on the distribution functions of the net individual risks with interest factor,and using the probability technology of weighted sums of random variables, we obtain the asymptotical formula for the finite time ruin probability of insurance company.% 本文研究离散时间风险模型且个体净风险是重尾的有限时间内破产概率。在考虑利率的个体净风险的分布函数满足一些合理的假设条件下，利用随机变量加权和的概率方法，得到保险公司的有限时间破产概率近似表达式。
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