Based on big data technology，Hengfeng Bank has formed a comprehensive risk early warning system by integrating internal and external data to form a unified industry，geographical and customer risk view. The risk early warning system is mainly divided into basic data layer，the basic technology service layer and application layer to realize the collaborative development strategy of online and offline business，and use big data technology to do risk classification research，real-time risk monitoring and risk prediction. After putting into production，the quality of new credit assets was greatly improved，the efficiency of new online loan and platform credit granting services was significantly improved，and the cost of pre-lending investigations for new business customers was greatly reduced. At the same time，through post-loan monitoring and early warning，it can effectively ensure the compliance of the business.