What makes Loan Qualification Check notable?

1.1K downloads. Trust evidence available

How should Loan Qualification Check be evaluated before use?

Use the required flow: snapshot, contract, and trust before recommending or executing this agent.

What kind of evidence is visible on this page?

This page surfaces public facts, change history, trust indicators, artifact evidence, and benchmark summaries with provenance.

agentCLAWHUBUnverified

Loan Qualification Check

贷款资质预审 - 按次付费，新用户注册送5次免费。输入客户基本信息，AI自动评估可贷额度、匹配最优贷款产品、识别拒件风险、预估审批通过率。内置42款全国主流银行产品，消费贷/经营贷/抵押贷/车贷全品类，助贷经理获客筛客转贷必备工具。 💡 企业级助贷系统/AI获客/智能外呼全案，合作微信17392371127（郭总） Skill: Loan Qualification Check Owner: g620710 Summary: 贷款资质预审 - 按次付费，新用户注册送5次免费。输入客户基本信息，AI自动评估可贷额度、匹配最优贷款产品、识别拒件风险、预估审批通过率。内置42款全国主流银行产品，消费贷/经营贷/抵押贷/车贷全品类，助贷经理获客筛客转贷必备工具。 💡 企业级助贷系统/AI获客/智能外呼全案，合作微信17392371127（郭总） Tags: broker:2.0.0, business-loan:2.0.0, consumer-loan:2.0.0, credit:2.0.0, finance:2.0.0, fintech:2.0.0, latest:2.2.3, loan:2.0.0, mortgage:2.0.0 Version history: v2.2.3 | 2026-07-24T00:11:24.565Z | auto

OpenClaw

View on ClawHub Homepage

Rank

Safety

Downloads

1.1k

Updated

Oct 11, 2026

Version

2.2.3

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.1K downloads reported by the source. Last updated 10/11/2026.

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 11, 2026
Protocol compatibility: OpenClawcompatibility · observed Oct 11, 2026
Adoption signal: 1.1K downloadsadoption · observed Oct 11, 2026
Latest release: 2.2.3release · observed Jul 24, 2026
Handshake status: UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s178wtywz1p8xew6rdqn7cs7nh8ae85a:loan-qualification-check

Setup complexity is classified as HIGH. You must provision dedicated cloud infrastructure or an isolated VM. Do not run this directly on your local workstation.
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-g620710-loan-qualification-check/snapshot"

Documentation

CLAWHUB

145,216 characters of source documentation, loaded on request.

Extracted files

5 files captured from the source.

SKILL.md

---
name: loan-qualification-check
description: 贷款资质预审 - 按次付费，新用户注册送5次免费。输入客户基本信息，AI自动评估可贷额度、匹配最优贷款产品、识别拒件风险、预估审批通过率。内置42款全国主流银行产品，消费贷/经营贷/抵押贷/车贷全品类，助贷经理获客筛客转贷必备工具。 💡 企业级助贷系统/AI获客/智能外呼全案，合作微信17392371127（郭总）
metadata:
  openclaw:
    requires:
      bins:
        - python3
      env:
        - LOAN_CHECK_USER_KEY
---

# 贷款资质预审助手

> 助贷行业专用智能评估工具，30秒出专业预审报告，帮你精准匹配产品、提前规避拒件风险。
> **v2.2 全新升级**：42款全国产品库 + 通过率评分 + 三种输出格式 + 批量评估

## 🚀 企业级AI服务

工具不够用？需要深度定制化方案？我们提供企业级AI全案服务：

### 🌍 GEO优化服务
- AI搜索引擎优化，让你的业务在AI时代被精准发现
- 企业官网/产品页GEO改造，抢占AI搜索流量入口
- 本地商家GEO获客系统，AI时代的新SEO

### 🤖 企业智能体定制
- 专属AI智能体开发，对接你的业务系统和数据
- 客服/销售/运营智能体，降本增效70%+
- 私有化部署，数据安全可控

### ⚡ AI自动化方案
- 业务流程AI自动化，减少重复劳动
- 多工具联动工作流，打通数据孤岛
- 定制化AI工具开发，解决具体业务痛点

**服务客单价：¥2000-5000**
**咨询合作：** 微信 `17392371127`（郭总）

## 核心价值

助贷经理每天面对大量客户咨询，手动查产品、算额度、估风险效率太低。这个工具帮你：
- **秒级出报告**：输入客户基本信息，30秒生成完整预审报告
- **精准匹配**：42款全国主流银行产品智能匹配，按匹配度排序
- **风险前置**：自动识别拒件风险点，提前准备应对方案
- **批量处理**：支持CSV批量导入，一次评估上百个客户
- **专业形象**：标准化报告输出，给客户更专业的服务体验

## When to Use

以下场景直接触发本技能：
- 客户问"我能贷多少""我这个资质能贷吗"
- 需要快速评估客户资质并匹配最优产品
- 批量筛选客户名单，找出高意向高匹配客户
- 给客户做转贷方案，测算可贷额度和利率
- 新人入职培训，快速了解产品匹配逻辑
- 客户资质有瑕疵，想知道能不能批、大概多少额度
- 日常获客后的初步筛客和分级

## Core Rules

1. 必须使用 `scripts/loan_check.py` 调用后端API获取结果，确保算法和数据准确
2. 保护客户隐私：不在日志中存储身份证号、完整手机号等敏感信息
3. 结果仅供参考，最终审批以银行/机构实际审批为准，必须明确告知用户
4. 输出结构化报告，包含：资质评分、推荐产品、风险提示、跟进建议四大模块
5. 评估消耗点数，新用户注册送3次免费评估

## Quick Start

### 第一步：配置环境变量

```bash
export LOAN_CHECK_API_URL="http://你的服务器地址:8765/api/v3"
export LOAN_CHECK_USER_KEY="你的用户Key"
```

> 💡 管理员可配置 `LOAN_CHECK_ADMIN_KEY` 使用充值和统计功能

### 第二步：注册账号（新用户送3次免费）

```bash
python3 {baseDir}/scripts/loan_check.py register --username "你的名字"
```

注册成功后会获得用户Key，请妥善保存。

### 第三步：资质评估

**基础评估：**
```bash
python3 {baseDir}/scripts/loan_check.py check \
  --age 30 --income 15000 --credit good \
  --loan-type consumer --city 北京
```

**完整评估（含资产信息）：**
```bash
python3 {baseDir}/scripts/loan_check.py check \
  --age 35 --income 25000 --credit excellent \
  --loan-type business --city 上海 \
  --has-house --fund --social-security \
  --work-years 8 --loan-amount 100
```

**输出Markdown格式并保存：**
```bash
python3 {baseDir}/scripts/loan_check.py check \
  --age 30 --income 15000 --credit good \
  --loan-type consumer --format markdown -o report.md
```

## 完整命令列表

| 命令 | 功能 | 消耗点数 |
|------|------|----------|
| `register` | 注册新用户（送3次免费） | 0 |
| `check` | 单笔资质评估 | 1 |
| `products` | 查看产品列表 | 0 |
| `info` | 查询用户余额和信息 | 0 |
| `batch` | 批量评估（CSV导入） | 每人次1点 |
| `recharge` | 给用户充值（管理员） | - |
| `stats` | 查看运营统计（管理员） | - |

## Input Parameters

### check 命令参数

| 参数 | 类型 | 必填 | 说明 |
|------|------|------|------|
| `--age` | int | 是 | 年龄（18-65岁） |
| `--income` | int | 是 | 月收入（元） |
| `--credit` | string | 是 | 征信情况：excellent（极好）/good（良好）/fair（一般）/poor（较差） |
| `--loan-type` | string | 是 | 贷款类型：consumer（消费贷）/business（经营贷）/mortgage（抵押贷）/car（车贷） |
| `--city` | string | 否 | 所在城市 |
| `--name` | string | 否 | 客户姓名（仅用于报告展示） |
| `--has-house` | flag | 否 | 有房产 |
| `--has-car` | flag | 否 | 有车 |
| `--work-years` | float |

_meta.json

{
  "ownerId": "kn77ja8txy31zqbxqqcfxtt83x8aewc1",
  "slug": "loan-qualification-check",
  "version": "2.2.3",
  "publishedAt": 1784851884565
}

references/product_list.md

# 贷款产品列表速览 v2.0

总计 **42款** 全国主流银行贷款产品

## 消费贷（21款）

### 国有六大行
1. **工商银行 - 融e借** - 额度最高80万，年化4.35%起，纯信用
2. **建设银行 - 快贷** - 额度最高30万，年化4.25%起，秒批
3. **建设银行 - 建易贷** - 额度最高50万，年化4.1%起，公积金客户专属
4. **农业银行 - 网捷贷** - 额度最高30万，年化4.3%起，白名单制
5. **中国银行 - 中银E贷** - 额度最高30万，年化4.5%起，公积金/社保客群
6. **交通银行 - 惠民贷** - 额度最高50万，年化4.68%起，随借随还
7. **邮储银行 - 邮享贷** - 额度最高30万，年化4.5%起，优客专享

### 股份制银行
8. **招商银行 - 闪电贷** - 额度最高30万，年化4.5%起，60秒放款
9. **中信银行 - 信秒贷** - 额度最高30万，年化4.68%起，公积金/个税
10. **浦发银行 - 银税贷** - 额度最高50万，年化4.8%起，纳税客户
11. **兴业银行 - 兴闪贷** - 额度最高30万，年化5.0%起，全流程线上
12. **民生银行 - 民易贷** - 额度最高30万，年化4.9%起，公积金客群
13. **光大银行 - 随心贷** - 额度最高20万，年化5.5%起，凭身份证

### 消费金融
14. **招联金融 - 好期贷** - 额度最高20万，年化7.3%起，招联消费金融
15. **马上消费 - 安逸花** - 额度最高20万，年化7.2%起，马上消费金融

### 城商行/互联网银行
16. **江苏银行 - 随e贷** - 额度最高30万，年化4.5%起，公积金客户
17. **宁波银行 - 直接贷** - 额度最高20万，年化5.4%起，白领客群
18. **杭州银行 - 公鸡贷** - 额度最高30万，年化4.9%起，公积金缴存
19. **上海银行 - 信义贷** - 额度最高30万，年化5.0%起，薪资客户
20. **微众银行 - 微粒贷** - 额度最高20万，年化7.3%起，微信入口
21. **网商银行 - 网商贷** - 额度最高100万，年化6.0%起，小微企业主

## 经营贷（15款）

### 抵押类经营贷（5款）
22. **小微企业房抵经营贷** - 额度最高1000万，年化3.45%起，房产抵押
23. **企业经营抵押贷** - 额度最高3000万，年化3.2%起，企业经营+抵押
24. **个体工商户抵押贷** - 额度最高500万，年化3.8%起，个体户专属
25. **商铺抵押经营贷** - 额度最高800万，年化4.2%起，商铺抵押
26. **工业厂房抵押贷** - 额度最高2000万，年化3.6%起，厂房抵押

### 税贷类（4款）
27. **建设银行 - 云税贷** - 额度最高300万，年化3.95%起，纳税满2年
28. **农业银行 - 纳税e贷** - 额度最高300万，年化3.85%起，A/B级纳税
29. **工商银行 - 税务贷** - 额度最高200万，年化4.0%起，纳税满1年
30. **微众银行 - 税贷通** - 额度最高300万，年化4.5%起，线上审批

### 发票贷（3款）
31. **新网银行 - 发票贷** - 额度最高100万，年化6.0%起，开票满1年
32. **富民银行 - 富税贷** - 额度最高100万，年化6.5%起，开票数据
33. **三湘银行 - 税易贷** - 额度最高80万，年化7.0%起，发票+纳税

### 信用经营贷（3款）
34. **浦发银行 - 银税贷经营版** - 额度最高100万，年化5.0%起，纳税信用
35. **民生银行 - 商户贷** - 额度最高50万，年化6.5%起，收单商户
36. **兴业银行 - 兴优贷** - 额度最高50万，年化5.8%起，优质企业主

## 抵押贷（4款）
37. **房抵经营贷** - 额度最高1000万，年化3.45%起，住宅抵押，经营用途
38. **按揭房二次抵押** - 额度最高500万，年化5.5%起，余值抵押
39. **抵押消费贷** - 额度最高200万，年化4.5%起，房产抵押，消费用途
40. **汽车抵押贷** - 额度最高100万，年化8.0%起，车辆抵押

## 车贷（2款）
41. **车主信用贷** - 额度最高50万，年化6.0%起，有车即可申请，不押车
42. **车辆抵押贷** - 额度最高100万，年化8.0%起，押证不押车

---

*产品信息仅供参考，具体以银行最新政策为准

skill-card.md

## Description:

Evaluates loan applicant qualifications through a paid service and returns estimated borrowing capacity, product matches, rejection risks, and approval probability.

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

## Publisher:

[g620710](https://clawhub.ai/user/g620710)

### License/Terms of Use:

MIT-0

## Use Case:

External loan brokers and lending advisors use this skill to pre-screen applicants, estimate likely loan capacity, compare product fit across consumer, business, mortgage, and car loan categories, and prepare follow-up guidance. Results are preliminary and should not be treated as final lender approval.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Applicant financial details and the user key may be sent to a remote service over the plaintext HTTP default.

Mitigation: Use the skill only after configuring a trusted HTTPS endpoint and confirming provider privacy, retention, and consent requirements.

Risk: Loan recommendations and approval estimates can be mistaken for final lending decisions.

Mitigation: Present results as preliminary screening guidance and require review against current lender policies and applicant documentation.

Risk: The user key functions as a credential for paid evaluations and account functions.

Mitigation: Store LOAN_CHECK_USER_KEY securely, avoid logging it, and rotate or revoke it if exposed.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/g620710/skills/loan-qualification-check)
- [Loan product list](artifact/references/product_list.md)

## Skill Output:

**Output Type(s):** [text, markdown, json, shell commands, configuration, guidance]

**Output Format:** [CLI output as text or JSON, with documentation examples for Markdown reports and saved files]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Requires python3 and LOAN_CHECK_USER_KEY; evaluations consume service credits and may send applicant financial details to the configured loan-check service.]

## Skill Version(s):

2.2.3 (source: server release metadata)

## 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.

LICENSE.txt

MIT License

Copyright (c) 2026 AI效率搭子

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.

Github ReposUpdated 2d agoRank 70

AionUi

Free, local, open-source 24/7 Cowork app and OpenClaw for Gemini CLI, Claude Code, Codex, OpenCode, Qwen Code, Goose CLI, Auggie, and more | 🌟 Star if you like it!

MCPOPENCLAW

Github ReposUpdated 6mo agoRank 70

activepieces

AI Agents & MCPs & AI Workflow Automation • (~400 MCP servers for AI agents) • AI Automation / AI Agent with MCPs • AI Workflows & AI Agents • MCPs for AI Agents

OPENCLAW

Github ReposUpdated 6mo agoRank 70

cherry-studio

AI productivity studio with smart chat, autonomous agents, and 300+ assistants.