Innovative Application of AI Big Data Fusion Model in Financial Risk Prediction and Management

Abstract

Under the wave of digital transformation, financial risks have shown unprecedented complexity and dynamism, which not only brings new challenges but also highlights the urgency of building a cognitive and evolving financial risk monitoring and early warning security system. Financial risk management, as the key to maintaining financial market order, safeguarding consumer rights, and promoting financial innovation, its core value lies in ensuring the stable operation of the financial system and the sustainable development of the economy. With the rapid growth of artificial intelligence (AI) and big data technology, these advanced technologies are profoundly changing the management mode of enterprises, especially showing significant advantages in improving the level of financial risk management. This article innovatively designs an enterprise financial risk prediction model that integrates AI and big data technology. The model aims to provide more accurate risk avoidance strategies for enterprises by deeply mining and analyzing massive transaction data. The results show that the model not only improves the accuracy of risk prediction, but also provides strong support for enterprises to move forward steadily in the complex and ever-changing financial market.