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The invention discloses an AI-based automobile finance dynamic risk assessment system and method, and particularly relates to the technical field of artificial intelligence. Basic information of customers, including credit score, income condition, loan history, brand, model and age limit information of vehicles, is acquired, the customer information is processed by using a machine learning algorithm, and the credit risk of the customers is assessed; the method comprises the following steps: acquiring customer loan historical data, generating a corresponding credit score, judging the repayment capability and past default records of a customer based on the customer loan historical data, evaluating the repayment risk of the customer, estimating the value of a vehicle based on the brand, model and age limit information of the vehicle in combination with the market trend, judging the mortgage risk of the vehicle, and integrating the credit score, the repayment risk and the mortgage risk. And performing deep fusion analysis on the multi-dimensional risk factors by using an AI algorithm, calculating a final comprehensive risk level, and giving suggestions on whether to approve loan, loan amount and interest rate adjustment according to a preset risk threshold.