In the credit field, traditional credit assessment relies on historical data and standard models, which may ignore important factors. AI technology can more comprehensively assess the credit risk of credit applicants through deep learning and big data analysis. It can analyze non-traditional data sources, such as social media activities and consumer behavior, to more accurately predict the credit status of applicants and provide financial institutions with more accurate credit decision support. For example, based on the applicant's online consumption records, social circles and other information, a comprehensive assessment of their credit risk can be made to reduce the probability of default.