The study of warning finance in advance lacks normative theoretical mechanism at present. The basic conceptions were defined.  Naturally, the warning in advance is flexible decision-making.  A flexible survival model for enterprises was developed, based on economic evolvement theory.  Some laws of flexible financial decision-making are obtained through the numerical simulation.  Mechanism for warning finance in advance centering at self-adaptation learning was extracted from the system structure of flexible financial decision principles and the learning mechanism.  The analysis shows that the effectiveness of management of the warning finance in advance depends on the capabilities of circumstance learning in decision and the abilities of self-adapted ability in the execution of the tactics.