随着我国老龄化进程的加速，养老金融需求迅速增长，发展养老金融产业已成为国家战略层面的重要任务，风险管理对于养老金融产品的发展尤为重要。本文结合工业工程与管理专业知识，选取T公司的商业养老保险产品——泰康福享百岁专属养老金融产品为研究对象，全面、系统地评价与讨论了其在不同阶段遇到的风险，并提出了改进措施与应对策略。

首先，本文采用风险管理理论、云模型基本理论及D-S证据理论，阐明其内涵及具体理论。其次，运用文献调研与问卷调查法确定风险因素，利用工程项目中常用的WBS-RBS耦合矩阵风险识别方法，全面深入识别了T公司养老金融产品所面临的多种风险因素，并依据专家实际调查数据构建风险评价体系。再次，基于云模型与改良证据理论，构建了适用于工程管理领域的T公司养老金融产品风险综合评估模型。全面系统地评价了T公司养老金融产品的具体风险，找出了各阶段主要面临的风险。

本文研究结论：在综合风险方面，V级风险占据了主要部分，而I级风险几乎不存在。这表明在T公司养老金融产品业务中，高风险因素具有较大的影响力，需要引起T公司的高度重视。同时，较低风险及中等风险（II级和III级）和较高风险（IV级）在综合风险中所占比例较小，但也不容忽视。T公司养老金融产品业务中存在的风险多样化。这要求T公司在风险管理过程中，应综合考虑各种风险因素，制定合理的风险防范策略。T公司在开展养老金融产品业务时，除了关注高风险（V级）因素外，还应注意市场环境、政策法规、行业竞争等多方面因素的影响。这些因素可能间接导致业务风险的增加，因此T公司需要从多维度分析问题，加强风险识别和评估。最后，结合T公司的实际发展状况，从人力资源管理的角度，针对T公司的实际发展状况提出了养老金融产品风险防范对策。通过以上工业工程与管理专业知识的运用，本文为T公司提供了全面有效的风险管理解决方案。

With the rapid growth of the ageing process in our country, the demand for pension finance is growing rapidly, and the development of the pension finance industry has become an important strategic task for our country. Risk management is particularly important in the development of pension finance products. Combined with industrial engineering and management expertise, this study selected T Company's commercial pension insurance product-Taikang Fuxiang centenarian exclusive pension financial product-as the research object, comprehensively and systematically evaluated and discussed the risks encountered at various stages, and proposed improvement measures and countermeasures.

Firstly, this study adopts the risk management theory, the basic theory of cloud model and the D-S evidence theory to clarify their connotation and specific theories. Secondly, the literature survey and questionnaire survey method were used to determine the risk factors, and the WBS-RBS coupling matrix risk identification method commonly used in engineering projects was used to comprehensively and deeply identify a variety of risk factors faced by Company T's pension financial products, and a risk evaluation system was constructed based on the actual survey data of experts. Thirdly, based on the cloud model and improved evidence theory, a comprehensive risk assessment model of T company's pension financial products suitable for the field of engineering management is constructed. The specific risks of T Company's pension financial products were comprehensively and systematically evaluated, and the main risks faced at each stage were identified.

The research conclusion of this paper: in terms of comprehensive risk, V-level risk occupies the main part, while I-level risk is almost non-existent. This indicates that in the pension financial products business of T company, high-risk factors have a great influence, which needs to attract T company's high attention. At the same time, low and medium risks (levels II and III) and high risks (level IV) account for a smaller proportion of the total risk, but cannot be ignored. Diversification of risks in the company's financial products business. This requires T Company to comprehensively consider various risk factors and formulate reasonable risk prevention strategies in the process of risk management. T Company should pay attention to the influence of the market environment, policies and regulations, industry competition and other factors in addition to the high-risk factors (Grade V) when developing the pension financial products business. These factors may indirectly lead to the increase of business risks, so T Company needs to analyse problems from multiple dimensions and strengthen risk identification and assessment. Finally, combined with the actual development of T company, from the perspective of human resource management, the risk prevention countermeasures of pension financial products are proposed for the actual development of T company. Through the application of the above industrial engineering and management expertise, this study provides a comprehensive and effective risk management solution for Company T.