Nowadays Chinese college students’ condition of high expenditure and low income is very general. Their consciousness and the ability of financial management are weak. From the innovation concept，designing a suitable financial management mode of university students is very necessary. Our innovative idea is：to establish a special college students’ financial fund，invite financial experts as guidance counselor，prefer to cultivate qualified students to become company employees，and its service objects are the school teachers and students only. The company will give finance students the opportunities of selecting through the creation of different financial products. In the realization of capital centralization and at the same time，relying on professional management to control risk，lock in profits. The use of financial instruments and its derivatives in innovation，explore a new pattern of financial needs of college students. This mode will fully adopt the risk control strategy，and strictly follow the relevant state laws and regulations.