Xpersona
agentCLAWHUBUnverified

Bank Credit Due Diligence Assistant

AI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and full investigation rep... Skill: Bank Credit Due Diligence Assistant Owner: gechengling Summary: AI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and full investigation rep... Tags: bank-credit-due-diligence:4.1.2, latest:4.1.2 Version history: v4.1.2 | 2026-09-16T05:30:22.610Z | user v4.1.2: 新增能力边界准确表述与产物确认声明；分析框架增取证来源与预警信号两列及2个填写示例；财务比率表增交叉验证方法列及盈利质量/关联占用两行+判读

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.2k

Updated

Oct 10, 2026

Version

4.1.2

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.2K 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
1.2K downloadsadoption · observed Oct 10, 2026
Latest release
4.1.2release · observed Sep 16, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:bank-credit-due-diligence
  1. Setup complexity is LOW. This package is likely designed for quick installation with minimal external side-effects.
  2. 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-gechengling-bank-credit-due-diligence/snapshot"

Documentation

CLAWHUB

67,270 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: Bank Credit Due Diligence Assistant
slug: bank-credit-due-diligence
version: 4.1.2
allowed-tools: []
capabilities:
  - educational-reference
  - advisory-only
  - requires-human-review
  - no-executable-code
---

# Bank Credit Investigation Assistant / 银行信贷尽调助手

> **⚠️ SECURITY NOTICE / 安全声明**
> - **Type:** Educational reference / analytical framework ONLY
> - **No executable code, scripts, or binaries are included in this skill**
> - **No persistent storage, network calls, background execution, or credential collection**
> - **All outputs are for reference only and require human review before real-world application**
> - **This skill does NOT provide final credit approval or rejection decisions**
> - **Users must exercise their own judgment and consult qualified professionals**
>
> **⚠️ 敏感数据处理警告**
> - 本技能涉及**银行信贷尽调**场景，可能涉及借款人、财务信息、个人数据等高度敏感信息
> - **请勿输入真实的客户个人身份信息（PII）**，除非您所在机构明确允许且有数据保护措施
> - 本技能**不存储、不传输、不持久化**任何用户输入的数据
> - 所有分析建议仅供内部参考，最终信贷决策必须由持牌银行人员依据内部政策和监管要求作出
> - 生成的调查报告需经授权人员审核签字后方可提交

## 数据最小化与产物确认前置声明（每次尽调开始前默认生效）

- **最小化录入**：优先输入聚合口径（如"近三年营收分别为 3.2/3.8/4.1 亿元"），不要粘贴完整科目明细表、银行流水原件、完整股东名册。自然人姓名、证件号、联系方式一律脱敏或用编号替代。
- **能力边界（准确表述）**：本 Skill 的 `allowed-tools` 为空，未配置任何工具能力，**不具备读取本地文件、发起网络请求、写入数据库或调用外部接口的能力**。所谓"不存储、不传输"是指本 Skill 自身没有相应工具通道；用户在对话中提交的内容仍会按所在平台的会话策略处理，因此脱敏依然必要。
- **产物先预览后使用**：生成的尽调报告、授信建议、评级结论先在对话中完整呈现，由信贷人员核对事实与口径、补充实地调查结论，**经确认并签字后再进入正式流程**。本 Skill 不代为提交任何信贷系统流程。
- **不替代实地调查**：现场走访、押品勘察、访谈核证、外部数据核验等程序必须由客户经理线下完成，本 Skill 的结论不能作为其替代。

### 银行监管最新动态 [2026-06-15更新]

| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |
|---------|---------|---------|---------|
| 监管发布 | NFRA 2026年第2号令：《银行保险机构许可证管理办法》6月1日施行 | 2026-06 | 尽调模板需更新许可证信息核验（新金融许可证格式） |
| 监管动态 | Basel III资本管理办法持续实施，三重风险计量规则逐步落地 | 2026-H1 | Basel III下风险权重变化影响授信额度 |
| 监管动态 | 2026年Q1银行监管处罚分析：消费者权益保护处罚占比提升 | 2026-Q1 | 尽调需加强消费者权益保护评估 |
| 政策更新 | 交易账簿资本要求风险敏感性提高，12家上市银行资本占用变化 | 2025-11 | 信贷审批需考虑资本占用变化 |

> **数据截止**: 2026-06-15 | 来源：国家金融监督管理总局、银行业协会、安永分析
> **声明**: 以上动态供参考，具体以官方最新发布为准


### 银行监管最新动态 [2026-06-28更新]

| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |
|---------|---------|---------|---------|
| 监管发布 | 金融监管总局发布《关于银行业保险业人工智能安全开发应用的指导意见》，明确资金交易、资产评估、信贷审批等为AI高风险应用场景 | 2026-06-18 | 银行AI应用合规与信贷风控 |
| 监管计划 | NFRA《2026年规章制定工作计划》新制定《银行业保险业网络安全管理办法》，银行网络安全与数据安全从指导意见升级为刚性规章 | 2026-06-23 | 银行网络安全与数据合规 |
| 监管施行 | NFRA 2026年第2号令《银行保险机构许可证管理办法》6月1日起施行，银行许可证管理纳入内控自评估 | 2026-06-01 | 银行合规审查与许可证管理 |

> **数据截止**: 2026-06-28 | 来源：国家金融监督管理总局、行业公开信息
> **声明**: 以上动态供参考，具体以官方最新发布为准

### 信贷监管最新动态 [2026-09-16更新]

| 动态类型 | 内容摘要 | 发布时间 | 影响范围 | 本 Skill 对应动作 |
|---------|---------|---------|---------|-----------------|
| AI 风控 | 银行业保险业人工智能安全开发应用要求落地，信贷审批被列为 AI 高风险应用场景 | 2026-Q3 | 授信审批、风险评级、智能尽调 | Phase 5 新增"AI 辅助结论的人工复核要求"，模型输出不得作为唯一依据 |
| 绿色金融 | 绿色信贷导向持续强化，绿色标签项目的认定与存续期管理要求趋严 | 2026-H1 | 绿色信贷、转型金融 | Phase 3 ESG 风险检查表新增"绿色认定材料完备性" |
| 数据合规 | 网络与数据安全管理要求由指导意见升格为规章，客户数据在信贷流程中的采集与使用边界更明确 | 2026-Q3 | 尽调取证、外部数据采购 | 前置声明强调脱敏与最小必要；外部数据来源需合规 |
| 房地产与平台 | 房地产融资协调机制与白名单口径

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "bank-credit-due-diligence",
  "version": "4.1.2",
  "publishedAt": 1789536622610
}

skill-card.md

## Description:

Provides a bilingual advisory framework for bank credit officers, loan analysts, and risk managers to structure borrower due diligence, financial review, industry risk assessment, ESG checks, and credit investigation reports.

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

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

Bank credit officers, loan analysts, and risk managers use this skill to organize credit due diligence, assess borrower and financial risk, identify early warning indicators, and draft investigation report content. Its outputs support internal review but do not replace qualified credit approval, regulatory verification, or signed human review.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Users may enter borrower, financial, or personal data that is sensitive in a bank credit workflow.

Mitigation: Minimize inputs, de-identify personal information, and use real customer data only when the institution permits it and appropriate data protection controls are in place.

Risk: Regulatory references or credit-risk guidance may be incomplete, outdated, or unsuitable for a specific institution.

Mitigation: Verify regulatory references against official sources and apply the institution's current policies before using generated analysis.

Risk: Generated analysis could be mistaken for a final credit approval, rejection, rating, or facility decision.

Mitigation: Require qualified credit staff to review, recalculate key ratios, approve, and sign off before any report or recommendation enters a formal credit process.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-due-diligence)
- [Publisher profile](https://clawhub.ai/user/gechengling)

## Skill Output:

**Output Type(s):** [Text, Markdown, Guidance]

**Output Format:** [Markdown conversation output with report templates, checklists, tables, and advisory analysis]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Advisory-only output; no executable tools; requires human review before real-world use.]

## Skill Version(s):

4.1.2 (source: release metadata and SKILL.md frontmatter)

## 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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Machine-readable data

The same record, as JSON, for agents and crawlers.

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Record generated Oct 11, 2026.

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