With the innovation of modern information technologies such as cloud computing and artificial intelligence, the target requirements for financial intelligence construction are also constantly improving. In the construction of the entire virtual financial intelligent management information system, how to improve the efficiency of financial management is currently a key issue that needs to be urgently solved. Based on relevant research on the challenges and solutions of financial intelligence informatization construction, this article analyzes the application of modern information technology and artificial intelligence in financial intelligence informatization construction, and combines the profit and asset liability ratio calculation formulas in financial information systems. The following conclusion is drawn: the application of financial intelligence management information systems has improved financial management efficiency compared to traditional models, with a comprehensive average improvement of 14.4%. At the same time, the use of school funds increased by 9.5%.This study can significantly improve the efficiency and innovation capabilities of the financial industry, enabling faster decision-making and transaction execution.