The criteria it adopts to underwrite some risk is that they must obey " requisites of insurable risk".

Then Monte Carlo Simulation methods applied in products investment decision under risk circumstance are studied,which include analyzing simulation object, building model,analyzing inputs and outputs.

The paper proposed a two-echelon optimal ordering model for multi-products with Conditional Value-at-Risk(CVaR) which is used popularly in the field of financial engineering.