What makes 张氏财报分析实战操作手册 notable?

1.5K downloads. Trust evidence available

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张氏财报分析实战操作手册

将“张氏财务分析框架”落地为可直接执行的查表、计算、判断与排雷步骤。使用者只需依据财务报表和附注提取指定科目，完成简单计算，即可快速识别企业的利润含金量、产业链话语权、潜在雷区、集团管控模式与管理效能。 Skill: 张氏财报分析实战操作手册 Owner: aiyouwolegequ Summary: 将“张氏财务分析框架”落地为可直接执行的查表、计算、判断与排雷步骤。使用者只需依据财务报表和附注提取指定科目，完成简单计算，即可快速识别企业的利润含金量、产业链话语权、潜在雷区、集团管控模式与管理效能。 Tags: finance:2.0.0, financial-analysis:2.0.0, investment:2.0.0, latest:2.0.0, risk-assessment:2.0.0, zhang-framework:2.0.0 Version history: v2.0.0 | 2026-04-15T03:36:41.682Z | user 初始发布：基于张新民教授财务分析框架的 GPT 版实战操作手册（v2.0） Archive index: Archive v2.0.0: 3 files, 9915 b

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Rank

Safety

Downloads

1.5k

Updated

Oct 10, 2026

Version

2.0.0

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.5K downloads reported by the source. Last updated 10/10/2026.

Avoid when

Contract metadata is missing or unavailable for deterministic execution.

Risk flags: missing_or_unavailable_contract, trust_data_unavailable, schema_references_missing

Public facts

Every fact links back to the source it came from.

Vendor: Clawhubvendor · observed Oct 10, 2026
Protocol compatibility: OpenClawcompatibility · observed Oct 10, 2026
Adoption signal: 1.5K downloadsadoption · observed Oct 10, 2026
Latest release: 2.0.0release · observed Apr 15, 2026
Handshake status: UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17cm1tqyt5s4mfbtr8djnf6s583kpb9:zhang-financial-analysis-gpt

Setup complexity is LOW. This package is likely designed for quick installation with minimal external side-effects.
Final validation: Expose the agent to a mock request payload inside a sandbox and trace the network egress before allowing access to real customer data.

Contract: missing

curl -s "https://www.xpersona.co/api/v1/agents/clawhub-aiyouwolegequ-zhang-financial-analysis-gpt/snapshot"

Documentation

CLAWHUB

13,614 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: zhang_financial_analysis_practical_guide
title: 张氏财报分析实战操作手册
version: 2.0
language: zh-CN
category: finance-analysis
description: >
  将“张氏财务分析框架”落地为可直接执行的查表、计算、判断与排雷步骤。
  使用者只需依据财务报表和附注提取指定科目，完成简单计算，
  即可快速识别企业的利润含金量、产业链话语权、潜在雷区、集团管控模式与管理效能。
tags:
  - 财报分析
  - 财务排雷
  - 张氏框架
  - 三表交叉验证
  - 利润含金量
  - 经营质量
  - 母子报表
  - 风险识别
owner: Zora Adelaide
status: production-ready
---

# Skill: 张氏财报分析实战操作手册

## Overview

本 Skill 将“张氏财务分析框架”转化为可执行的分析动作，核心不是复述会计科目，而是逼近企业经营真相。它聚焦几个根问题：企业是不是靠主业赚钱、赚到的钱有没有真正回到口袋、增长是靠自己造血还是靠外部输血、产业链里谁占谁的便宜、账面资产里有没有大雷、集团的钱和债到底压在哪一层。

本 Skill 适用于上市公司、拟上市公司、集团型企业、并购扩张型企业，以及需要做投资排雷、信用分析、经营复盘、董事会汇报或深度财务诊断的场景。

---

## Core Mission

执行本 Skill 时，最终必须回答以下问题：

- 企业利润是不是“纸面富贵”
- 企业在产业链中到底强不强，能不能“两头吃”
- 企业有没有典型的财务雷区或造假高危信号
- 企业盈利是主业驱动，还是靠补贴、投资、会计处理撑起来的
- 企业资产质量到底好不好
- 企业集团内部到底是谁在调钱、谁在借钱、谁在赚钱
- 企业成本高企究竟是战略选择、管理低效，还是治理失灵
- 企业债权里有没有关联输送、坏账黑洞甚至“内鬼”问题
- 企业预算执行背后体现的是哪种权力结构与战略偏好

---

## Trigger Conditions

在以下情况下应触发本 Skill：

- 用户提供公司名称 + 年份，要求做财报排雷、真相还原、经营质量分析
- 用户提供利润表、资产负债表、现金流量表，希望做深度财务诊断
- 用户重点提到以下任一关键词：
  - 利润含金量
  - 存贷双高
  - 商誉风险
  - 虚假繁荣
  - 财务洗澡
  - 母子报表
  - 经营性负债
  - 两头吃
  - 预算失控
  - 坏账穿透
- 用户希望用“大白话”解释财报，而不是只看传统比率

---

## Non-Trigger Cases

以下情况不应直接完整触发本 Skill，或应降级使用：

- 用户只问一个简单财务概念定义
- 用户只想算单一比率，不需要经营穿透
- 用户没有公司、年份或任何财务数据
- 用户只要估值结论，不关心经营质量
- 用户任务本质上是审计鉴证、法律定性或舞弊取证

---

## Input Schema

```yaml
input_schema:
  type: object
  required:
    - company_name
    - analysis_period
  properties:
    company_name:
      type: string
      description: 公司名称
    analysis_period:
      type: string
      description: 分析年份或区间，例如“2025”或“2023-2025”
    industry:
      type: string
      description: 所属行业，可选但强烈建议提供
    currency:
      type: string
      description: 报表币种，例如人民币、港币、美元
    analysis_goal:
      type: string
      description: 本次分析的核心目标，例如“排雷”“识别利润水分”“看集团管控”
    statements:
      type: object
      properties:
        income_statement:
          type: object
          description: 利润表关键项目，可为单年或多年
        balance_sheet:
          type: object
          description: 资产负债表关键项目，可为单年或多年
        cash_flow_statement:
          type: object
          description: 现金流量表关键项目，可为单年或多年
    parent_company_statements:
      type: object
      description: 母公司单体报表，适用于集团分析
    consolidated_statements:
      type: object
      description: 合并报表，适用于集团分析
    notes_and_disclosures:
      type: string
      description: 财报附注、MD&A、风险提示、坏账前五大客户、商誉说明、会计估计变更等摘要
    special_focus:
      type: array
      items:
        type: string
      description: 用户特别想排查的重点，如“存贷双高”“商誉减值”“预算管理”
    peers:
      type: array
      items:
        type: string
      description: 可选，同业公司名称，用于辅助对比
```

---

## Minimum Required Data

若想输出可靠结论，至少建议提供以下字段：

### 利润表
- 营业收入
- 营业成本
- 税金及附加
- 销售费用
- 管理费用
- 研发费用
- 财务费用或利息费用
- 其他收益
- 投资收益
- 公允价值变动收益
- 资产减值损失
- 信用减值损失

### 资产负债表
- 货币资金
- 应收票据
- 应收账款
- 预付款项
- 合同资产
- 存货
- 固定资产
- 在建工程
- 商誉
- 应付票据
- 应付账款
- 预收款项
- 合同负债
- 短期借款
- 长期借款
- 资产总额

### 现金流量表
- 经营活动产生的现金流量净额
- 投资活动产生的现金流量净额
- 筹资活动产生的现金流量净额

### 集团分析补充项
- 母公司与合并报表中的其他应收款
- 母公司与合并报表中的其

_meta.json

{
  "ownerId": "kn7dt2p5xm91ersmky4t913mps820bp9",
  "slug": "zhang-financial-analysis-gpt",
  "version": "2.0.0",
  "publishedAt": 1776224201682
}

skill-card.md

## Description:

将“张氏财务分析框架”落地为可直接执行的查表、计算、判断与排雷步骤，帮助使用者依据财务报表和附注识别利润含金量、产业链话语权、潜在雷区、集团管控模式与管理效能。

This skill is ready for commercial/non-commercial use.

## Publisher:

[aiyouwolegequ](https://clawhub.ai/user/aiyouwolegequ)

### License/Terms of Use:

MIT-0

## Use Case:

Financial analysts, investors, credit reviewers, operators, and advisors use this skill to turn Chinese financial statements, notes, and group-level reporting data into plain-language diagnostics for profit quality, cash conversion, asset risks, operating leverage, and parent-subsidiary structure.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Financial analysis may be mistaken for audit, legal, or investment advice.

Mitigation: Use outputs for screening and business-risk analysis only, and require qualified review before relying on conclusions for audit, legal, credit, or investment decisions.

Risk: Incomplete financial statements, missing notes, single-year data, or absent industry context can lead to overconfident conclusions.

Mitigation: Ask users to provide cash-flow data, balance-sheet detail, notes and disclosures, multi-year periods, industry context, and parent-company statements when available; clearly mark conclusion boundaries when data is missing.

Risk: Non-public financial data may be sensitive.

Mitigation: Use the skill only in trusted environments and avoid supplying confidential data where retention, access, or sharing controls are unclear.

Risk: The skill defaults to Chinese plain-language output, which may not fit every user.

Mitigation: Ask for the preferred language or adapt the output language when Chinese is unsuitable.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/aiyouwolegequ/skills/zhang-financial-analysis-gpt)
- [ClawHub publisher profile](https://clawhub.ai/user/aiyouwolegequ)

## Skill Output:

**Output Type(s):** [text, markdown, analysis, guidance]

**Output Format:** [Markdown or structured text with financial calculations, risk labels, conclusions, and missing-data boundaries]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Produces Chinese plain-language financial analysis; reliability depends on supplied statements, notes, period coverage, industry context, and parent-company data.]

## Skill Version(s):

2.0.0 (source: server release metadata and target metadata; artifact frontmatter lists 2.0)

## Ethical Considerations:

Users should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment.

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