Application of Zero-shot Financial Risk Diagnosis Based on Cross-modal Foundation Model Fusion in Small and Medium-sized Enterprises in the Digital Economy

In the digital economy era, small and medium-sized enterprises (SMEs) serve as a vital source of economic vitality, and their financial health is crucial for overall economic stability. However, these enterprises generally face challenges such as irregular information disclosure and a lack of historical data, which hinder the effectiveness of traditional risk diagnosis models that rely on standardized structured data and a single modality, resulting in risk management blind spots. To address this challenge, this study focuses on the cutting-edge technology that integrates cross-modal foundational models with zero-shot learning, aiming to explore a new intelligent diagnosis paradigm that does not rely on historical labeled data from target enterprises.