China's Commercial Banks Distress Mode Of Intelligence

“To repair the house before it rains”,“Prevention is the best worm”，these ideasabout generated in the pre crisis.It is called"early warning" during InformationManagement.Bank as a special industry.Because of the highrisk and uncertainty andcomplex structure,so it needs more necessary warning to prevent and control risks. Toa certain extent,competitive intelligence model as a means for market competition cancompensate for the crisis early warning in the bank risk function.This paper based onMr. Zha Xianjin’s theory "crisis early warning intelligence model",and combined withrisk type and control status about China’s commercial banks to constructed model ofCrisis early warning intelligence.The crisis early warning intelligence modelincluding information sources，information collection,information integrated,Warningassessment of crisis etc.. To Make the abstract theory specificly and actualization, theAgricultural Bank in2012as an example of early warning indicators analysis and asuccessful transformation about Shenzhen Development Bank as a example of patternsafeguard mechanism to elaborate.