Research on the Application of AI in Enterprise Financial Risk Management and Its Optimization Strategy

Abstract

With the rapid advancement of information technology, artificial intelligence (AI) has increasingly become a pivotal tool in enterprise financial risk management, offering the potential to enhance both efficiency and decision-making capabilities. This paper examines the application of AI in key areas such as risk identification, data processing, and predictive evaluation, highlighting its role in transforming traditional risk management practices. Despite its promising potential, enterprises often face practical challenges, including insufficient adaptability of AI models to dynamic financial environments, inconsistent quality and integration of data management processes, and limited institutional support for comprehensive AI deployment. To address these challenges, this study proposes targeted improvement strategies, including the development of tailored AI models that align with specific organizational contexts, the optimization of data processing workflows to ensure reliability and completeness, and the establishment of standardized management systems to facilitate scalable and sustainable AI integration. By providing both theoretical insights and practical implementation guidelines, this paper aims to support enterprises in constructing a robust AI-driven financial risk management framework that effectively balances predictive accuracy, operational efficiency, and strategic decision-making.