2007年10月,《物权法》正式实施。作为首部系统明确物的归属、效用以及物权平等保护原则的法律,它将对中国金融业务的发展尤其是金融产权管理制度创新产生深刻的影响。本文通过剖析现有物权担保制度的局限性,探索研究并提出在《物权法》法律框架下,金融产权风险管理制度创新的思路与模式。 In October 2007, “Property Law” was officially implemented. As the first systematic law to clarify the principle of attribution, utility and equal protection of property, it will have a profound impact on the development of China’s financial business, especially the innovation of financial property management system. By analyzing the limitations of the existing real right security system, this paper explores and proposes the ideas and models for the innovation of the financial property risk management system under the legal framework of “Property Law”.