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Liya Li

Publications and source records attributed to Liya Li.

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MedRealMM: A Real-World Multimodal Benchmark for Chinese Online Medical Consultation

Large language models (LLMs) are increasingly deployed in online medical consultation, yet existing benchmarks remain poorly aligned with real clinical practice. Many rely on synthetic conversations or patient simulators, omit patient-uploaded medical images, or evaluate open-ended clinical responses using multiple-choice or lexical-overlap metrics that poorly reflect clinical quality. We introduce \textbf{MedRealMM}, a large-scale benchmark for multimodal online medical consultation built from de-identified patient-doctor interactions collected from a nationwide Chinese internet hospital. MedRealMM uses a Multimodal Clinical Challenge Point (MCCP) extraction framework to identify clinically demanding moments in authentic consultation trajectories and converts each into a standardized next-response generation task while preserving the preceding text-image context. Each instance is paired with a case-specific rubric refined by physicians that rewards clinically desirable behaviors and penalizes unsafe, unsupported, or contradictory responses. The current release contains 5,620 real-world multimodal cases spanning 64 clinical departments. We evaluate 19 general-purpose and medical-specialized LLMs, including text-only and multimodal systems. Our results show that image information is critical for reliable clinical performance and that current frontier models remain below the online physician response. Although some frontier models satisfy as many or more positive clinical criteria than physicians, they trigger more negative criteria, indicating that safety-sensitive error avoidance remains a central bottleneck. MedRealMM offers a realistic and reproducible benchmark for evaluating multimodal medical reasoning in real-world online consultation. The dataset will be publicly available on Hugging Face at https://huggingface.co/datasets/jdh-algo/MedRealMM.

cs.AI

Could Large Language Models work as Post-hoc Explainability Tools in Credit Risk Models?

Large language models (LLMs) have shown promise in translating model-based explanations into human-readable narratives. This study evaluates whether LLMs can serve as post-hoc explainability interfaces for credit risk models, focusing on their ability to preserve feature-importance rankings and generate autonomous explanations. Using a LendingClub dataset, we compare LLM outputs with SHAP and coefficient-based attributions on three major LLMs, including GPT-4-turbo, Claude-Sonnet-4.5, and Gemini-2.5-Flash. Results indicate that LLMs reliably reproduce reference rankings under controlled prompts but show limited alignment when generating explanations autonomously. These findings suggest that LLMs are best deployed as narrative interfaces rather than substitutes for formal attribution methods in credit risk governance.

q-fin.RM