本文通过对我国金融业衍生工具的现状和特点的分析以及对国内外的金融衍生工具发展状况进行对比,进一步来分析我国金融业在金融衍生工具的设计、定价和实际的销售方面有哪些问题,面临着哪些风险。之后,针对具体的风险,同时结合国内各学者的建议和国家的方针政策来提出具体的应对风险的具体措施和框架。最后,我们通过对现有金融衍生工具的了解,结合统计学和心理学有关的模型构建来提出一些新型的金融衍生工具,从而保证其有最小的风险和最好的效益。 By comparing the status quo and characteristics of financial derivatives in our country and the development of financial derivatives at home and abroad, this article further analyzes what problems exist in the design, pricing and actual sales of financial derivatives in China’s financial industry, What are the risks? Then, specific risks and specific measures and frameworks to deal with the risks are put forward according to the suggestions of domestic scholars and national guidelines and policies. Finally, we propose some new types of financial derivatives through the understanding of existing financial derivatives, combined with statistical and psychology-related model building to ensure that they have the least risk and the best benefits.