Research On Financial Early Warning System Of Shanghai Pudong Development Bank Credit Management

With the continuous expansion of the domestic economy and the continuous improvement of information technology, the role of financial early warning system in financial institutions is more and more obvious. Shanghai Pudong Development Bank, Limited by Share Ltd(referred to as: Shanghai Pudong Development Bank) as a domestic large and medium-sized joint-stock commercial banks, the financial early-warning system for credit management, to provide a strong guarantee. But with the gradual improvement of the level of information technology, the credit scale continues to increase, the financial early warning system needs to update and upgrade the software and hardware environment.Through analysis of the operation principle, the financial early-warning system of Shanghai Pudong Development Bank daily application status, expounds the existing in credit management in Shanghai Pudong Development Bank financial early warning system, namely: in addition to objectively reflect a customer's financial condition and reveal the level of risk, to provide decision-making basis for the credit business in the credit review and approval of personnel, personnel, risk management etc.. But because of the current internal and external preconditions and the limitation of the development time is shorter, the financial early-warning system of credit management Shanghai Pudong Development Bank in the operation process of the problems and deficiencies still exist, the theory is not complete play function. The study found that is still too much at this stage of the early warning system to rely on experience to judge the operation staff and subjective intention, in the financial data recognition, financial early-warning information collection, process and other aspects of financial early-warning management deficiencies. Therefore, the author of this article from the perspective of credit management and puts forward suggestions on optimization strategy, financial early-warning system of Shanghai Pudong Development Bank current by means of intelligent technology to enhance the financial early-warning recognition ability, establish an information sharing platform to strengthen financial early-warning management, improve the financial management of the whole process of early warning system.