用零样本模型融合脑影像与常规临床数据，提前预测阿尔茨海默病风险。

Identifying individuals at risk of Alzheimer's disease (AD), particularly in the preclinical and early stages, remains challenging. Although deep learning approaches based on structural MRI show promise as a non-invasive biomarker, existing multimodal models require task-specific training and depend on biomarkers that are not routinely available in clinical practice. Here, we propose a zero-shot multimodal framework based on SigLIP that combines structural MRI embeddings with text embeddings of routinely collected clinical variables for early AD risk stratification in individuals at preclinical or mild cognitive impairment (MCI) stages. We evaluated the approach in 416 individuals from the ADNI cohort (age: 72.73 +- 6.7). SigLIP was used without fine-tuning to extract MRI and clinical text embeddings, which were combined into multimodal representations for individual-level AD risk prediction within 4 years. We further compared the model performance in a single-visit and two-visit settings to assess the value of longitudinal information and framework scalability. In the single-visit setting, combining MRI embeddings with MMSE, age, and sex achieved an AUC of 0.91 +- 0.02, outperforming both a CSF A\b{eta}42-based model (AUC 0.73 +- 0.08) and an MMSE-based model (AUC 0.85 +- 0.22). In the two-visit setting, performance was maintained or improved, supporting the scalability of the approach to longitudinal data. These findings suggest that zero-shot multimodal fusion of structural MRI and routinely collected clinical variables may provide a practical and scalable strategy for early AD risk stratification without task-specific retraining.