Proceedings of the 2026 6th International Conference on Public Management and Intelligent Society (PMIS 2026)

2026 6th International Conference on Public Management and Intelligent Society (PMIS 2026)

📍Xiamen, China🗓️ 24-26 April 2026
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From Data to Risk: An AI-Integrated Financial Risk Early Warning Framework for Bank Credit Operations

Authors
Weijia Li1, *
1Business and Tourism School, Sichuan Agricultural University, Chengdu, 611830, China
*Corresponding author. Email: 18113181571@163.com
Corresponding Author
Weijia Li
Available Online 6 July 2026.
DOI
10.2991/978-94-6239-721-7_22How to use a DOI?
Keywords
Artificial Intelligence; Financial Risk Early Warning; Credit Risk Management; Intelligent Risk Control; Framework Construction
Abstract

Amid accelerating digital transformation, commercial banks face challenges in credit risk management due to multi-source, unstructured data. Traditional models relying on human experience and static indicators are insufficient for real-time risk identification. Taking a city commercial bank in western China as a case study, this paper addresses three core issues—inefficient data collection, lack of early warning mechanisms, and delayed post-lending management—by designing an AI-integrated framework. The framework uses OCR and NLP to automate financial report extraction, and constructs a two-tier risk model: Gaussian process regression for window-dressing detection and logistic regression for financial performance assessment. Back-testing on the bank’s credit clients validates its effectiveness, offering a replicable pathway for intelligent risk control in similar banks.

Copyright
© 2026 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 2026 6th International Conference on Public Management and Intelligent Society (PMIS 2026)
Series
Advances in Engineering Research
Publication Date
6 July 2026
ISBN
978-94-6239-721-7
ISSN
2352-5401
DOI
10.2991/978-94-6239-721-7_22How to use a DOI?
Copyright
© 2026 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  - Weijia Li
PY  - 2026
DA  - 2026/07/06
TI  - From Data to Risk: An AI-Integrated Financial Risk Early Warning Framework for Bank Credit Operations
BT  - Proceedings of the 2026 6th International Conference on Public Management and Intelligent Society (PMIS 2026)
PB  - Atlantis Press
SP  - 229
EP  - 238
SN  - 2352-5401
UR  - https://doi.org/10.2991/978-94-6239-721-7_22
DO  - 10.2991/978-94-6239-721-7_22
ID  - Li2026
ER  -