Study on Prevention and Countermeasures of Payment and Settlement Risks of Commercial Banks

Abstract

The prevention and countermeasures research of commercial banks' payment settlement risks have always been important issues in the financial field. With the rapid development of electronic payments and internet finance, payment settlement risks have increasingly demonstrated diversified and complex characteristics. This paper aims to study the prevention and countermeasures of payment settlement risks in commercial banks to enhance the security and stability of their payment settlement business. Through the analysis of the concept, characteristics, and influencing factors of payment settlement risks, various prevention strategies are discussed. Furthermore, methods and tools for risk assessment and monitoring, as well as optimization and innovation directions for risk management of payment settlement in commercial banks, are explored. This paper aims to provide theoretical support and practical guidance for the management of payment settlement risks in commercial banks.