> For the complete documentation index, see [llms.txt](https://ark-defai.gitbook.io/ark/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ark-defai.gitbook.io/ark/4.-layer-1-or-economic-laws-of-ark-defai/4.4-ark-loan-module-or-ark-lending-collateralized-lending-system/v.-ai-guided-governance-ai-guided-lending-control.md).

# V. AI-Guided Governance (AI-Guided Lending Control)

<table data-header-hidden><thead><tr><th></th><th width="244"></th><th></th></tr></thead><tbody><tr><td><strong>Functional Module</strong></td><td><strong>AI Assistance Item</strong></td><td><strong>Function Description</strong></td></tr><tr><td>Lending Parameter Evaluation</td><td>Lending Demand Fluctuation Prediction</td><td>Based on historical lending behavior and macro asset changes, predicts whether interest rates or limits need adjustment</td></tr><tr><td>Liquidation Risk Detection</td><td>Comparison of Borrower Collateral Value to Treasury Asset Ratio</td><td>Early warning for potential large-scale liquidation zones, alerting DAO or executing deleveraging operations</td></tr><tr><td>Renewal Behavior Learning</td><td>Analysis of User Habits and Renewal Frequency</td><td>Recommends optimal adjustment values for each renewal interest rate (between +0.3% and +1.0%)</td></tr><tr><td>Treasury Security Assessment</td><td>Total Borrowed Amount / Treasury Total Value Change Model</td><td>If the borrowed ratio exceeds the threshold, suggests tightening lending limits or extending cycle cooling periods</td></tr></tbody></table>