下面的程序能运行 就是不能进行插入操作求指教
#include <iostream>
#include <fstream>
#include <iomanip>
#include <cstdlib>
#include <cstring>
using namespace std;

class Account{
public:
    Account (int = 0, char* = "", double = 0.0);
    void setAccountNum(int);   //设置账号
    int getAccountNum();        //取得账号
    void setName(char*);        //设置姓名
    char* getName();            //取得姓名
    void setBal(double);        //设置余额
    double getBal();            //取得余额
private:
    int accountNum;    //用户账号
    char name[20];      //用户姓名
    double balance;     //余额
};

Account::Account(int newAccNum, char newName[], double newBal)
{
    accountNum = newAccNum;
    strcpy(name, newName);
    balance = newBal;
}

void Account::setAccountNum(int newAccNum)
{
    accountNum = newAccNum;
}

int Account::getAccountNum()
{
    return accountNum;
}

void Account::setName(char newName[])
{
    strcpy(name, newName);
}

char* Account::getName()
{
    return name;
}

void Account::setBal(double newBal)
{
    balance = newBal;
}

double Account::getBal()
{
    return balance;
}

class AccountOper{
public:
    AccountOper();                  
    void createFile();             //创建账户文件，并将相关用户数据输入
    int funcChoice();               // 选择功能按钮
    void printRec();                //显示
    void updateRec();               //更新
    void insertRec();                // 插入
    void deleteRec();               // 删除
    void inquirerec();              //查询
    void dispLine();                //显示一行
    bool checkAccount();            //检查账户的有效性
    void accexit();                 //退出
private:
    Account acc;                     //用来临时存放一个用户的账户信息
    fstream inout;                  // 用来对输入输出文件进行操作
    char filename[81];                  // 用来存放一个指定的文件名
};

AccountOper::AccountOper()
{
    cout << "Please input create File: " << endl;
    cin.getline(filename, 80);
    inout.clear();
    inout.open(filename, ios::binary|ios::out|ios::app);
    if(inout.fail()){
        cout << "The create fail!" << endl;
        exit(1);
    }
    cout << "Account file: " << filename << "create succee, you could go on!" << endl;
    inout.close();
}

void AccountOper::createFile()
{
    int accNum;
    char name[20];
    double bal;
    inout.clear();
    inout.open(filename, ios::binary|ios::out|ios::app);
    if (inout.fail()){
        cout << "The create fail!" << endl;
        exit(1);
    }
    cout << "Please input account Num(1~200): ";
    cin >> accNum;
    acc.setAccountNum(accNum);
    while (checkAccount()){
        cout << "Please input Account name: ";
        cin >> name;
        acc.setName(name);
        cout << "Please input Account balance: ";
        cin >> bal;
        acc.setBal(bal);
        inout.seekp((acc.getAccountNum()-1)*sizeof(Account),ios::beg);
        inout.write((char*)&acc,sizeof(Account));
        cout << "Please input account Num(1~200): ";
        cin >> accNum;
        acc.setAccountNum(accNum);
    }
    inout.close();
}

int AccountOper::funcChoice()
{
    cout << "==================================================" << endl;
    cout << "   Please input function Number:(1,2,3,4,5,6,0)   " << endl;
    cout << "   1.Please input account to binary file          " << filename << endl;
    cout << "   2.Show file content                            " << endl;
    cout << "   3.Update account message                       " << endl;
    cout << "   4.Insert account message                       " << endl;
    cout << "   5.Delete account message                       " << endl;
    cout << "   6.Iquirerec account message                    " << endl;
    cout << "   0.Exit                                         " << endl;
    cout << "==================================================" << endl;

    int choice;
    cout << "Please input need function Number: ";
    cin >> choice;
    return choice;
}

void AccountOper::printRec()
{
    inout.clear();
    inout.open(filename, ios::binary|ios::in);
    if(inout.fail()){
        cout << "Open file fail!" << endl;
        exit(1);
    }
    cout << left << setw(10) << "Account Number";
    cout << setw(16) << "Account Name";
    cout << setw(11) << setw(10) << "Account Balance" << endl;
    inout.seekg(0, ios::beg);
    inout.read((char*)&acc, sizeof(Account));
    while(!inout.eof()){
        if (acc.getAccountNum()!=0)
            dispLine();
        inout.read((char*)&acc, sizeof(Account));
    }
    inout.close();
}

void AccountOper::updateRec()
{
    int accNum;
    cout << "Please input need update Number: ";
    cin >> accNum;
    inout.clear();
    inout.open(filename, ios::binary|ios::in|ios::out);
    if (inout.fail()){
        cout << "Open file fail!" << endl;
        exit(1);
    }
    inout.seekg((accNum-1)*sizeof(Account), ios::beg);
    inout.read((char*)&acc, sizeof(Account));
    if (acc.getAccountNum()==accNum){
        cout << "The need update content: " << endl;
        dispLine();
        cout << "input deposit(+), take out(-): " << endl;
        double money;
        cin >> money;
        acc.setBal(money + acc.getBal());
        cout << "update message content:" << endl;
        dispLine();
        inout.seekp((accNum-1)*sizeof(Account), ios::beg);
        inout.write((char*)&acc, sizeof(Account));
    }
    else
        cout << "Sorry, No have update message!" << endl;
    inout.close();
}

void AccountOper::insertRec()
{
    int accNum;
    char name[20];
    double bal;
    cout << "Please input account Number: ";
    cin >> accNum;
    inout.clear();
    inout.open(filename, ios::binary|ios::in|ios::out);
    if (inout.fail()){
        cout << "Open account fail!" << endl;
        exit(1);
    }
    inout.seekg((accNum-1)*sizeof(Account), ios::beg);
    inout.read((char*)&acc, sizeof(Account));
    if (acc.getAccountNum()==accNum)
        cout << "Sorry, the file exist!" <<endl;
    else{
        acc.setAccountNum(accNum);
        cout << "Please input account name: ";
        cin >> name;
        acc.setName(name);
        cout << "Please input balance: ";
        cin >> bal;
        acc.setBal(bal);
        inout.seekp((accNum-1)*sizeof(Account), ios::beg);
        inout.write((char*)&acc, sizeof(Account));
    }
    inout.close();
}

void AccountOper::deleteRec()
{
    int accNum;
    cout << "Please input delete Number: ";
    cin >> accNum;
    inout.clear();
    inout.open(filename, ios::binary|ios::in|ios::out);
    if (inout.fail()){
        cout << "The file open fail!" << endl;
        exit(1);
    }
    inout.seekg((accNum-1)*sizeof(Account), ios::beg);
    inout.read((char*)&acc, sizeof(Account));
    if (acc.getAccountNum()==accNum){
        cout << "It's will delete file content:" << endl;
        dispLine();
        cout << "Input black message in this message" << endl;
        Account account;
        inout.seekp((accNum-1)*sizeof(Account), ios::beg);
        inout.write((char*)&account, sizeof(Account));
    }
    else
        cout << "Sorry, No delete file message!" << endl;
    inout.close();
}

void AccountOper::inquirerec()
{
    int accNum;
    cout << "Please input you will need inquirerec Number: ";
    cin >> accNum;
    inout.clear();
    inout.open(filename, ios::binary|ios::in);
    if (inout.fail()){
        cout << "The file open fail!" << endl;
        exit(1);
    }
    inout.seekg((accNum-1)*sizeof(Account), ios::beg);
    inout.read((char*)&acc, sizeof(Account));
    if (acc.getAccountNum()==accNum){
        cout << "The content of inquirerec!" << endl;
        dispLine();
    }
    else
        cout << "Sorry, no inquirerec message!" << endl;
    inout.close();
}

void AccountOper::accexit()
{
    cout << "====================================================" << endl;
    cout << "           Thank you apply                          " << endl;
    cout << "           welcome to this                          " << endl;
    cout << "              Bye-Bye                               " << endl;
    cout << "====================================================" << endl;
}

void AccountOper::dispLine()
{
    cout << left <<setw(10) << acc.getAccountNum();
    cout << setw(16) << acc.getName();
    cout << setw(11) << setw(10) << acc.getBal() << endl;
}

bool AccountOper::checkAccount()
{
    if (acc.getAccountNum()>=1 && acc.getAccountNum()<=200)
        return 1;
    else
        return 0;
}



int main()
{
    AccountOper account;
    int func;
    while(1){
        func=account.funcChoice();
        switch(func){
            case 1: account.createFile(); break;
            case 2: account.printRec(); break;
            case 3: account.updateRec(); break;
            case 4: account.insertRec(); break;
            case 5: account.deleteRec(); break;
            case 6: account.inquirerec(); break;
            case 0: account.accexit(); break;
        }
        if (!func)
            break;
    }
}