TypeError: Cannot read property 'checks' of null报错该怎么解决

node.js代码总是不进if方法，报错TypeError: Cannot read property 'checks' of null，可是数据库里checks里面有值，快来大佬帮帮忙啊QAQ

let data = "";

    try {
        let content = ctx.request.body;
        data = JSON.parse(content);
        data = await check.riskManagements(data, 'insurance');
        logger.error(JSON.stringify(data))
        if (type == 'insurance') {
            data = ctx.body.orderInfo.data || ''
        }
        if (data != "") {
            let product = await productCheckImpl.get_product(data);
            if ((product.checks.riskManagement) && (product.checks.riskManagement || '') != "") {
                logger.error("==========调用风控管理==" + product.checks.riskManagement);
                let risk = require('../check/' + product.checks.riskManagement);
                let riskManageData = await risk.riskManagement(result, data);
                if ((riskManageData.hasOwnProperty("checkResult") && riskManageData.checkResult != 0)
                    || (riskManageData.hasOwnProperty("checkLevel") && riskManageData.checkLevel != 0)) {
                    data.head.errorCode = "1000";
                    data.head.errorMsg = "风控管理平台返回核保数据异常，详情查看风控管理数据（riskManageData）";
                    data.body.riskManageData = riskManageData;
                    return data;
                } else {
                    data.body.riskManageData = riskManageData;
                }
            }
        }
    } catch (e) {
        logger.error(e);
        data.head.errorMsg = "成功";
        data.head.errorCode = "0000";
        data.body = {};
        logger.error('riskManagementService服务,==无风险信息：' + JSON.stringify(data));
        ctx.body = JSON.stringify(data);
    }

}

TypeError: Cannot read property 'checks' of null

无法读取 checks 属性 打印 product 看看 。 用的时候 做个 非空判断

 if (product.checks&&(product.checks.riskManagement) && (product.checks.riskManagement || '') != "") {
    }