Volume 11,Issue 2
Construction of Credit Evaluation Model for Rural Hypertensive Patients Based on AI Fundus Image Analysis and Its Application in Inclusive Finance
Against the background of the difficulty of rural hypertensive patients in obtaining credit services due to the lack of traditional credit collateral and the continuous promotion of inclusive finance, this study takes AI fundus image analysis technology as the entry point, integrates medical health indicators and traditional financial indicators, and constructs a credit evaluation model for rural hypertensive patients with the dual dimensions of "health-finance". On the basis of combing relevant theories such as financial exclusion and information asymmetry, this paper analyzes the feasibility, necessity, index selection logic and construction path of the model, discusses its application value in improving the accuracy of credit evaluation and expanding the coverage of inclusive finance, and identifies potential risks such as data security, algorithm fairness and model interpretability. The research aims to provide a new theoretical and practical path for solving the financial exclusion of rural chronic disease patients and promoting the integrated development of medical treatment and inclusive finance.
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