当前，融资渠道的匮乏，使我国券商面临着严重的流动性不足和巨额长期资金缺口。银证分业经营、《证券法》的出台及证券业潜伏着的金融风险，都迫切要求拓宽券商融资渠道，提高券商融资能力。为此，笔者在本文中提出了在控制金融风险的前提下，建立银行与券商之间合理的资金借贷联系，大胆进行金融品种和金融机构创新的思路及实现途径 At present, the lack of financing channels makes our brokers face serious liquidity problems and huge long-term funding gaps. The separate operation of the bank card business, the promulgation of the “Securities Law” and the financial risks lurking in the securities industry are all urgently required to broaden the channels for broker financing and enhance the financing ability of brokerage firms. Therefore, in this paper, the author puts forward the ideas and ways of establishing reasonable financial lending relationship between banks and securities firms and boldly innovating financial products and financial institutions under the premise of controlling financial risks