对金融终端账务风险进行了分析和分类，提出了对应的风险规避设计原则和设计方案，并开发了新一代集成账务风险防范机制的金融终端应用统一平台，应用于国内某大型银行数万计金融终端的运营。实践表明，本文提出的风险防范方案能有效提升了银行和用户的资金安全保障力度，显著减少银行与金融终端用户的账务纠纷。

This research is proposed on the analysis and classification of the account risk of the financial terminal to put forward the corresponding design principles and schemes of risk prevention. A new generation of a unified platform for financial terminal application integrating accounting risk prevention is developed, which is applied to the operation of tens of thousands of financial terminals of a large domestic bank. Practice shows that the risk prevention scheme proposed in this research can effectively enhance the financial security of banks and users and can significantly reduce the number of accounting disputes between banks and financial end-users.