The early warning value is a parameter reasonably preset by the county bank administrator according to the number of credit reports inquired by branches. County-level bank administrators are responsible for managing and monitoring the business situation of branches. While ensuring the normal operation of the business process, they also need to reasonably preset the number of inquiries of the credit report in order to find business anomalies and risks in time.

To determine the early warning value, the following aspects need to be considered comprehensively:

1. Branch business volume:

The business volume of different branches may be different. Generally speaking, branches with large business volume will generate more demand for credit report inquiry to a certain extent. Therefore, the early warning value should be set according to the actual business volume of branches, and the differences of branches should be fully considered.

2. Regulatory requirements and policies:

According to the relevant regulatory requirements and policies, county-level bank managers need to abide by the corresponding restrictions and norms to ensure that the inquiry and use of credit reports comply with laws, regulations and business norms. The setting of early warning value should consider relevant regulations, and ensure that the number of inquiries does not exceed the prescribed limit.

3. Risk assessment and monitoring requirements:

The setting of early warning value should be combined with the requirements of risk assessment and monitoring to find business anomalies and risks in time. According to the actual situation of business operation, county-level bank managers need to comprehensively consider the changing trend and historical data of inquiry times of credit report, and set appropriate early warning values so as to take timely measures in case of abnormal situations.

4. System performance and resource considerations:

The setting of early warning value also needs to consider system performance and resource constraints. Excessive warning value may lead to excessive system pressure and affect normal business processing capacity. Therefore, the load capacity of the system should be calculated reasonably when setting the early warning value to ensure the stable operation of the system.

In practice, county-level bank administrators can determine the reasonable early warning value by analyzing the business data of branches, the alarm information of monitoring system and the exchange of experience with other bank administrators. At the same time, it can also be dynamically adjusted according to the actual situation to adapt to the changes in business and the evolution of risks.

The ultimate goal is to ensure that the inquiry times of the credit report are within a reasonable range, to find and deal with potential risks and anomalies in time, and to ensure the normal operation of the system and the controllability of risks.