This article aims at summarizing the development of research on ruin Probabilities in the risk model with constant force of interest in the heavy -tailed distribution. At first,we introduce the classical risk model and its main research results;Then,we mainly introduce research achievements established under constant force of interest in the risk model of heavy-tailed distribution;At last,further the application prospect of heavy-tailed distributions in insurance industry in China is addressed.%在重尾分布的条件下，对带常利息力风险模型的破产概率的最新研究进展进行综述。首先，简要介绍经典风险模型及其主要研究成果；其次，重点介绍重尾分布下所建立的带常利息力风险模型的研究成果；最后，对重尾分布在保险实业中的应用前景进行进一步的展望。
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