This study discusses the application of reinforcement learning (RL) in financial asset risk assessment, especially how to improve the ability of risk prediction and asset portfolio optimization through deep reinforcement learning (DRL) model. Traditional financial risk assessment methods are often unable to effectively cope with the dynamic changes and complexities of the financial market, but RL technology provides innovative solutions for modern financial risk management by means of real-time adjustment and adaptation mechanism. This paper experimentally verifies the advantages of DRL models in improving forecasting accuracy and risk management efficiency and discusses the potential impact of AI technology in the financial sector. The findings show that despite challenges such as data quality and model interpretation, the application of AI technology provides financial institutions with more precise and flexible risk management tools, driving further development of fintech.

This study discussion point of this paper is to make an in-depth analysis of the development impact of the Internet of Things combined with edge computing and artificial intelligence. In the analysis process, the importance and criticality of data processing and decision making of edge computing as well as the challenges faced should be elaborated respectively. With the rapid popularization and development of Internet of Things devices, edge computing has brought more innovative solutions for different application scenarios such as intelligent furniture industrialization, automatic driving and intelligent transportation by reducing the delay of processing data and improving the characteristics of security data, film and television. Resource and energy efficiency have certain limitations, so it is necessary to combine artificial intelligence to enhance edge computing devices, hardware accelerators, and its utility and federated learning technologies, which can effectively improve the performance and scalability of edge computing and promote the development of more self-service network systems for smart devices. The core of this study is how to promote the Internet through AI-driven edge computing to further develop and provide insights for research priorities and suggest related future research directions.

Artificial Intelligence (AI) is poised to revolutionize the architectural design and energy management of green buildings, offering significant advancements in sustainability and efficiency. This paper explores the transformative impact of AI on improving energy efficiency and reducing carbon emissions in commercial buildings. By leveraging AI algorithms, architects can optimize building performance through advanced environmental analysis, automation of repetitive tasks, and real-time data-driven decision-making. AI facilitates precise energy consumption forecasting and integration of renewable energy sources, enhancing the overall sustainability of buildings. Our study demonstrates that AI can reduce energy consumption and CO2 emissions by approximately 8% and 19%, respectively, in typical mid-size office buildings by 2050 compared to conventional methods. Further, the combination of AI with energy efficiency policies and low-emission energy production is projected to yield reductions of up to 40% in energy consumption and 90% in CO2 emissions. This paper provides a systematic approach for quantifying AI's benefits across various building types and climate zones, offering valuable insights for decision-makers in the construction industry.

This paper discusses an improved XGBoost model based on four-vector optimization algorithm to improve the accuracy of loan approval prediction. Through the analysis of correlation heat maps, we found that there were significant positive and negative correlations among some variables, which laid the foundation for subsequent machine learning analysis. Based on this, we compare the traditional machine learning algorithm with the improved model to evaluate its performance in loan approval forecasting. In the confusion matrix analysis of the training set, the improved XGBoost model demonstrated excellent performance, with all loan approval predictions being correct with 100% accuracy. However, the performance in the test set was slightly different, with 1,182 projects receiving correct loan approval predictions and 99 projects forecasting errors. Of these, 26 projects that should have been predicted to be "unapproved" were incorrectly labeled as "approved," while 73 projects that should have been predicted to be "approved" were incorrectly labeled as "unapproved." These results suggest that we still need to pay attention to the misjudgment of the model in practical application. By synthesizing all model evaluation indicators, we found that the improved XGBoost model based on the four-vector optimization algorithm has a higher accuracy in loan approval prediction than the traditional XGBoost model, with an increase of 1.5%. In addition, the other evaluation indicators also show a trend of significantly better than the traditional model. This study shows that the four-vector optimization algorithm can effectively improve the application effect of XGBoost model in the field of loan approval, and provide more accurate data support and decision-making basis for the financial industry. In the future, we will continue to explore the potential and application prospects of this algorithm in other fields.

Based on the detailed exploration of AI techniques for the early identification of learning difficulties in education, this study underscores the pivotal role of educational data analysis in enhancing student outcomes. Educators can proactively identify and address learning challenges through systematic data collection and analysis, thereby minimizing long-term academic obstacles and emotional stress. The integration of AI, particularly through natural language processing and computer vision technologies, facilitates personalized learning paths and real-time interventions, offering tailored support that maximizes each student's learning potential. These advancements optimize educational resource allocation and foster a more inclusive and effective learning environment, paving the way for future advancements in personalized education and intelligent teaching practices.

The application of AI technology in urban planning covers multiple levels, such as data analysis, decision support, and automated planning. Urban research relies on AI technology to understand and summarize the law of urban growth and improve the analysis of the evolution trend of urban space. Planning and design use AI technology to explore the relevant factors affecting urban development and their weights and discuss the critical role of green building technology in the sustainable development of the construction industry. With the increase in global energy consumption and carbon emissions, traditional building methods can no longer meet environmental protection requirements and efficient use of resources. As a sustainable development solution, green building technology has been paid more and more attention to and adopted by people. These technologies focus not only on the energy efficiency and environmental impact of buildings but also on the resource utilization and environmental load of green buildings over their entire life cycle driven by machine learning. This paper details the basic principles and applications of green building technologies, including AI-driven reduction of negative environmental impacts, improvement of occupant health, efficient use of resources, and optimization of indoor environmental quality. This paper focuses on the critical role of the LEED assessment system developed by the U.S. Green Building Council in advancing green building practices. In addition, the paper analyzes vital points such as water use in green building design, machine learning-driven wind environment optimization, solar technology application, and practical application cases of these technologies on a global scale.