国际上金融衍生工具最早产生于上世纪70年代,有四十余年的发展历程,但我国的金融衍生工具运用起步较晚,发展较慢。最近几年,随着我们国家的经济发展和国际金融市场的健全,我国的金融产品经营才开始初具规模,金融衍生工具在作为规避风险、创造收益等的功能方面越来越被国内商业银行所广泛应用。但是由于金融衍生品的自身特性,风险是与生俱来的,此外,我国银行业的风险管理体系不健全、制度不完善,发展过快都加剧了风险性,如何合理规范运用金融衍生工具成为了目前值得关注的课题。本文从金融衍生工具的产生背景出发,通过对信用风险和市场风险等进行介绍,认真对商业银行的金融衍生工具的运用展开分析,希望通过对衍生品的认识,提出一些风险控制策略和相关建议,进而能对其规范管理、提高其安全性有益。 Internationally, financial derivatives originated in the 70s of last century with more than 40 years of development history. However, the application of financial derivatives started relatively late and developed slowly in our country. In recent years, with the economic development of our country and the soundness of the international financial market, the operation of financial products in our country has begun to take shape. As financial derivatives are increasingly being used by domestic commercial banks as a function of avoiding risks and generating profits, Widely used. However, due to the inherent characteristics of financial derivatives, risks are born. In addition, the risk management system of our country’s banking industry is not perfect, the system is imperfect, the rapid development has exasperated the risk, and how to properly regulate the use of financial derivatives as The current issue of concern. Based on the background of the emergence of financial derivatives, this paper analyzes the credit risk and market risk, and carefully analyzes the application of financial derivatives of commercial banks. I hope that through the understanding of derivatives, some risk control strategies and related suggestions , Which in turn can regulate its management and improve its safety is beneficial.