司库管理中的支付与结算风险控制研究

Research on Payment and Settlement Risk Control in T reasury Management

随着经济全球化和电子商务的发展,支付与结算在企业运营中起着至关重要的作用,能保障资金安全、提高支付效率、维护企业声誉和降低经营成本,可以为企业创造更大的价值。然而,支付与结算过程中存在着信用风险、操作风险、市场风险和法律合规风险等多个方面的挑战。为了有效控制这些风险,可采取强化信用评估与监控、健全内部控制制度、实施风险分散和对冲、加强法律合规意识等策略。

With the development of economic globalization and e-commerce,payment and settlement can play a crucial role in enterprise operation,which can guarantee the safety of funds,improve the efficiency of payment,maintain the reputation of the enterprise and reduce the operating costs,creating greater value for the enterprise.However,the payment and settlement process is characterized by challenges in various aspects such as credit risk,operational risk,market risk and legal compliance risk.In order to effectively control these risks,strategies such as strengthening credit assessment and monitoring,improving internal control systems,implementing risk diversification and hedging,and enhancing legal compliance awareness can be adopted.