Firstly, the index system has the characteristic of being in line with international standards, succinct, easy to collect, which can make the early warning system integrate with the international practice and improve the efficiency of analysis.

• 本文的特色与创新之处在于:一是指标体系中引入了贷款五级分类、资本充足率等与国际接轨、简洁、数据易于收集的指标,使风险预警与国际惯例相接轨,同时也提高了预警的效率。