论文首先阐述了研究背景与意义，并对金融产品创新和监管在国内外的发展和趋势进行研究。同时，比较国内外金融产品创新与监管，再通过分析我国金融市场的现状，可以发现我国的金融产品创新和监管存在着很多问题，如我国的金融创新滞后现象严重、金融产品创新存在风险、我国金融监管效力不强等问题，经过研究和分析一一提出建议和对策。金融产品创新和监管是相互依存的，要正确对待两者的辩证关系。要使国际金融市场健康发展，避免出现大规模的动荡，就必须加强对国际金融市场的有效监管。
Firstly expounds the background and meaning, and the financial product innovation and supervision in the domestic and foreign development and trend for research. At the same time, more domestic and foreign financial product innovation and supervision, and through the analysis of the present situation of our country's financial market, can be found in our financial product innovation and supervision has very many problems, such as the financial innovation lags in China is serious, the risk in financial product innovation, our financial regulatory effect is not strong, after research and analysis--put forward Suggestions and countermeasures. Financial product innovation and supervision is depend on each other, to treat correctly both of the dialectical relationship between. To make the international financial market's healthy development, avoid the scale of the unrest, to strengthen the international financial market effective supervision.
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