Semantic Analysis and Image Processing-Jointly Driven Multimodal Deep Learning Framework for Smart Warning of Enterprise Financial Risk

Financial risk warning is a crucial technical issue for enterprises. Traditionally, it relied on modeling analysis of a single data type, which does not fully capture the diverse characteristics of financial risk activities. To address this, this paper introduces a multimodal deep learning framework driven by semantic analysis and image processing for intelligent warning of enterprise financial risks. Initially, natural language processing algorithms analyze textual data such as financial statements, news reports, and social media comments within the industry. Concurrently, two convolutional neural network models, M-CNN and M-RNN, extract features from images and chart data. These textual and visual feature representations are then fused to create a multimodal deep neural network framework. Extensive experimental evaluation and comparative analysis of the proposed framework were conducted. The results indicate that the financial risk rate of consumer fraud graph analysis varies significantly, displaying a fluctuating state with values ranging from 2.1% to 16.8%. Compared to other methods, the proposed approach demonstrates superior performance in financial risk warning tasks, with the risk rate increasing from 1.2% to 26.5% as it iterates from 1 to 6.