25年CH金融学英语 副本优化机制研究-信用风险管理的人工智能-基于花旗银行案例终稿-约59845字符.docx

AbstractWith the rapid development of artificial intelligence technology, the credit risk management model of commercial banks is undergoing significant changes. Traditional credit risk assessment primarily relies on financial statements, historical credit records, and expert experience. However, as the market environment becomes increasingly complex and data sources diversify, the limitations of traditional credit risk management models in data processing capacity, ...