In this paper, the concept and character of credit risk management and Data Ware house are introduced. Then the scheme of a credit risk Early Warning System is presented.

在介绍信贷风险管理相关概念及数据仓库技术的基础上，给出了一个基于数据仓库的信贷风险评级预警系统方案。

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How to prevent effectively credit risk in financial institutions and construct early warning system has always been the top concern in the world.

如何有效防范金融机构的信贷风险和构建预警系统，一直是世界范围内所关注的热门话题之一。

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And the model about financial early warning is a useful tool that this tool can help commercial bank recognize the public firm credit risk under the background group especially.

而财务预警模型本身就是商业银行识别信贷风险的重要工具，尤其是集团背景下的上市公司的信贷风险。

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