随着金融改革号角的吹响,金融创新又成为我国金融业发展的关键因素。金融创新固然有其优越性,但事物的两面性告诉我们,创新亦会产生一些负面影响,这是负面影响即为金融风险。本文试着分析我国金融创新中存在的问题,并试图对如何规避金融创新风险提出了几点建议,希望能为我国的互联网+金融这一新兴行业提供法律支撑。 With the sounded horn of financial reform, financial innovation has become the key factor in the development of China’s financial industry. Financial innovation, of course, has its advantages, but the two sides of things tell us that innovation will have some negative effects. This is the negative impact of financial risks. This paper attempts to analyze the problems in China’s financial innovation and tries to put forward some suggestions on how to avoid the risk of financial innovation in the hope of providing legal support to the emerging industry of internet + finance in our country.