  With the rapid growth of technology, especially the widespread application of
artificial intelligence (AI) technology, the risk management level of
commercial banks is constantly reaching new heights. In the current wave of
digitalization, AI has become a key driving force for the strategic
transformation of financial institutions, especially the banking industry. For
commercial banks, the stability and safety of asset quality are crucial, which
directly relates to the long-term stable growth of the bank. Among them, credit
risk management is particularly core because it involves the flow of a large
amount of funds and the accuracy of credit decisions. Therefore, establishing a
scientific and effective credit risk decision-making mechanism is of great
strategic significance for commercial banks. In this context, the innovative
application of AI technology has brought revolutionary changes to bank credit
risk management. Through deep learning and big data analysis, AI can accurately
evaluate the credit status of borrowers, timely identify potential risks, and
provide banks with more accurate and comprehensive credit decision support. At
the same time, AI can also achieve realtime monitoring and early warning,
helping banks intervene before risks occur and reduce losses.
