The Risk Accumulate, Risk Control In Expanding Chain Of Financial Products

The scope of financial products in the supply of modern finance is one of the core issues when study finance. All financial decisions are require the use of financial instruments to achieve, so the design and development of financial products is seen as the forefront of finance problems. The financial crisis that began in 2007, because of the risk of transmission of financial products to the original and limited non-system risk of transformation into a global financial systemic risk, this article conducts financial crisis whit core financial products object of study, introducing finance innovative of financial products during the accumulation of risk and control issues.Financial markets various financial products and derivatives in its own development through the process of financial products from basic to derivative financial products, to the structured financial products in the process. Financial product innovation process, to avoid risks, to enhance the liquidity of the assets, to pursuit of income maximization as the main driver of product innovation.In the process of financial product innovation, with the expansion of financial products, driven step by step increased the risk of product accumulation gradually, to avoid the risks every time, the transfer will herald a deeper level of risk and the accumulation of hidden. Risk from the original, single-state layers of accumulation, from a simple change in price caused by market risk through risk transfer, accumulated credit risk and default risk, until the outbreak of the final overall system risk. This can be take from 2007's subprime mortgage crisis, step by step develop into economic crisis has clearly shown this process.This article studies innovation in financial products, the chain behind the accumulation of risk. Following with financial innovation in product innovation process, basic financial products and derivative products, risk transfer and accumulation in the form of expanding the chain, this paper describes each step of the development process and the risk of overlapping. In the current regulatory status quo, in order to prevent the spread of risk communication, the article attempts to use BP neural network design risk early warning system, and in order to prevent the risk of product chain and the ring appears to reflect transmission chain, the article combines control theory feedforward and feedback control, the risk from micro to macro risks to prevent the spread of the spread angle of control risk.