论金融创新风险及其法律监管理念——以当前世界金融海啸为背景

金融创新是金融市场发展的重要动力，金融创新风险则是伴随金融创新过程的产物。对于金融创新风险的监管，其切入点和归宿都在于金融法律监管，而金融法律监管理念的更新是建立科学、完善法律监管机制的基础。从金融创新历史和金融法律监管理念演变出发，通过对其变更脉络的梳理，结合当前国内外金融市场实际情况，可以得出，在金融创新风险的法律监管理念上，我们应当始终秉持以金融安全优先，充分创新与有效监管相结合的理念。

On the Risks of Financial Innovation and its Legal Supervision Concept - Under the Background of World Wide Financial Tsunami

Financial innovation is an important motivation in the development of financial market and the financial innovation risks are the inevitable result of financial innovation. Legal supervision system is the right cut - in point and end result to supervise financial innovation risks. However, the concept innovation of financial legal supervision serves as the base to establish a scientific and rather perfect legal supervision system. Starting from the historical review of financial innovation and the evolution of financial legal supervision concept by combining domestic financial situation with alien financial situation, we can safely draw the conclusion that financial security should be considered as the utmost and the idea of full innovation and effective supervision should be combined together.