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Credit risk management, which is the basic of the credit application, is the most perfect embodiment in the bank credit application and asset supervision. The ultimate purpose of credit risk management is to ensure that credit fund is of safety, profitability and fluidity. At present, it is extremely important of commercial banks to set up an early bank risk warning system. The author who makes great effort on the credit risk and its reason, besides bringing in the western commercial banks experience of bank credit risk management, makes researches on credit risk in a microcosmic view. The author sets up early warning indicators for commercial bank credit risk, and carries out the warning for the credit risk in advance with the help of artificial neural networks. The experiment has proved that this method is objective and effective. So it can provide theoretical basis, which is more scientific and credible for detection and early warning about commercial bank credit risk.