Innovative Application of Artificial Intelligence Algorithms in Credit Scoring: Taking specific products in the field of consumer finance as the research object

摘要

This paper focuses on specific products in consumer finance and explores the innovative application of artificial intelligence algorithms in credit scoring. By analyzing the technical foundation and current situation, this paper expounds the core technological innovations such as deep learning, tree model integration, and graph neural networks, and solves the problems of data fusion, model optimization, and interpretability. Empirical research shows that artificial intelligence algorithms outperform traditional models in multiple indicators.