AI赋能信用风险全流程管理研究

Research on AI-enabled credit risk management in the whole process

摘要

当前人工智能正在深刻影响着金融行业的发展，本文旨在探索AI技术在信用风险全流程管理中的应用，分析其面临的局限性，并提出创新路径。通过分析本文发现AI技术能够显著提升信用风险管理效率，优化客户体验，促进金融科技创新，但同时数据质量参差不齐、风险模型滞后、业务流程割裂等问题制约了AI技术的发挥。未来信用风险管理应运用机器学习优化数据处理，构建智能预警模型，引入知识图谱打通数据孤岛，并应用自然语言处理辅助人工审核。

Abstract

Currently, artificial intelligence is profoundly impacting the development of the financial industry. This paper aims to explore the application of AI technology in the entire process of credit risk management, analyze its limitations, and propose innovative approaches. Through analysis, it is found that AI technology can significantly enhance the efficiency of credit risk management, optimize customer experience, and promote fintech innovation. However, issues such as uneven data quality, lagging risk models, and fragmented business processes constrain the effectiveness of AI technology. Future credit risk management should leverage machine learning to optimize data processing, build intelligent early warning models, introduce knowledge graphs to bridge data silos, and apply natural language processing to assist manual reviews.

关键词

人工智能 / 信用风险管理 / 机器学习 / 知识图谱 / 金融科技

Key words

artificial intelligence / credit risk management / machine learning / knowledge graph / financial technology

参考文献

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