Abstract:Focusing on risk prevention requirements for loan business of enterprise group finance companies under treasury management mode, this study systematically identifies six types of typical risks including credit structure imbalance, incomplete pre-loan due diligence, and deviation in entrusted payment execution through case analysis and theoretical modeling. The research reveals that the mismatch between credit funds and entity demand, lack of risk evaluation mechanisms, and insufficient fund flow monitoring constitute primary risk factors. Based on the "three lines of defense" theoretical framework, 12 risk prevention measures are proposed, including establishing a hierarchical risk assessment system, improving digital monitoring platforms, and constructing embedded internal audit systems. These form a three-dimensional prevention system encompassing business process optimization (first line), intelligent risk control enhancement (second line), and independent audit supervision (third line). Practical verification demonstrates that this system can increase loan business compliance rate by 23.6% and improve risk warning timeliness by 40%, providing a replicable solution for optimizing credit risk management under treasury management mode in large enterprise group finance companies.