Proceedings of the 2025 5th International Conference on Enterprise Management and Economic Development (ICEMED 2025)

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The Application of Artificial Intelligence in Bank: Credit and Risk Management

Authors
Muyun Wei1, *
1School of Emergency Science and Engineering, Jilin Jianzhu University, Changchun, 130119, China
*Corresponding author. Email: weimuyun661@gmail.com
Corresponding Author
Muyun Wei
Available Online 14 August 2025.
DOI
10.2991/978-94-6463-811-0_39How to use a DOI?
Keywords
Artificial Intelligence; Bank; Credit; Risk Management
Abstract

Affected by the economic downturn in the post-COVID-19 period, global economic efficiency has experienced a notable decline. As a cornerstone of the financial sector and a primary point of contact for customers, banks have particularly felt the impact, with their profitability showing a marked decrease. Despite these challenges, the leapfrog development of artificial intelligence (AI) technology has opened new possibilities. More and more professionals in the banking industry, along with academic researchers, have started to explore and recognize the potential of AI applications in the financial sector. While AI’s role in areas such as financial planning, automation, and customer service has been extensively studied, there is still a significant lack of research focused on its specific application in credit risk and market risk management. This paper seeks to address this gap by providing a comprehensive review of AI’s development, examining its current and future potential to transform credit and risk management practices in banks. Through the integration of AI, banks can enhance decision-making accuracy, improve risk prediction models, and optimize overall financial performance, offering promising solutions to mitigate the challenges posed by the current economic climate.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 5th International Conference on Enterprise Management and Economic Development (ICEMED 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
14 August 2025
ISBN
978-94-6463-811-0
ISSN
2352-5428
DOI
10.2991/978-94-6463-811-0_39How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Muyun Wei
PY  - 2025
DA  - 2025/08/14
TI  - The Application of Artificial Intelligence in Bank: Credit and Risk Management
BT  - Proceedings of the 2025 5th International Conference on Enterprise Management and Economic Development (ICEMED 2025)
PB  - Atlantis Press
SP  - 364
EP  - 372
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-811-0_39
DO  - 10.2991/978-94-6463-811-0_39
ID  - Wei2025
ER  -