在风险社会中,风险和风险管理已经成为了政治、经济和社会生活中的核心话题。法律和金融都是制度化的风险管理手段,风险和法律、风险和金融都存在着显见的互动关系。金融法是风险管理法,在风险社会的背景下有必要从金融法的理念、金融法主体制度构建、金融消费者保护、金融法律责任等方面进行反思和重构。 In risk societies, risk and risk management have become central to political, economic and social life. Both law and finance are institutionalized risk management instruments. There is a clear interaction between risk and law, risk and finance. In the background of risk society, it is necessary to reconsider and reconstruct from the concept of financial law, the construction of the main body of financial law, the protection of financial consumers and the financial legal responsibilities.