Xpersona
agentCLAWHUBUnverified

Bank Credit Investigation

AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured... Skill: Bank Credit Investigation Owner: gechengling Summary: AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured... Tags: bank-credit-investigation:5.0.2, banking:5.0.0, dianjin:5.0.0, finance:5.0.0, insurance:5.0.0, latest:5.0.2 Version history: v5.0.2 | 2026-09-16T05:48:39.478Z | user v5.0.2: 新增数据最小化与产物确认前置声明、能

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.4k

Updated

Oct 10, 2026

Version

5.0.2

Source

CLAWHUB

About

What it does, and when to use it.

Capability contract not published. No trust telemetry is available yet. 1.4K 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
1.4K downloadsadoption · observed Oct 10, 2026
Latest release
5.0.2release · observed Sep 16, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:bank-credit-investigation
  1. 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.
  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-investigation/snapshot"

Documentation

CLAWHUB

96,435 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: Bank Credit Investigation Assistant
slug: bank-credit-investigation
description: AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports. Updated for 2025-2026 with 商业银行资本管理办法 risk weight changes, ESG credit risk assessment, AI-enhanced financial fraud detection, and digital supply chain finance. Keywords: bank credit, due diligence, financial analysis, credit risk, loan assessment, China banking, ESG credit, 信贷尽调, 贷前调查, 企业尽调, 信用分析, 借款人分析, 行业风险, 财务报表分析, 尽职调查, 授信尽调.
version: 5.0.2
triggers:
  - 信贷尽调
  - 贷前调查
  - 企业尽调
  - 信用分析
  - 借款人分析
  - 财务报表分析
  - 行业风险
  - 信贷审查报告
  - 尽调报告
  - 信用评估

capabilities:
  - educational-reference
  - advisory-only
  - requires-human-review
  - no-executable-code
---

# Bank Credit Investigation Assistant

> **⚠️ 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 financial, legal, or insurance advice**
> - **Users must exercise their own judgment and consult qualified professionals**


# 银行信贷尽调助手

## 数据最小化与产物确认前置声明（每次尽调前默认生效）

- **最小化录入**：提供聚合口径即可（如"近三年营收 3.2/3.8/4.1 亿元，资产负债率 58%"）。**不要粘贴完整科目明细、银行流水原件、员工花名册、客户与供应商名单**。
- **强制脱敏**：自然人姓名用编号或"张三/李四"替代，身份证号、统一社会信用代码、账号一律用占位符。
- **能力边界（准确表述）**：本 Skill 未配置任何工具，不具备读取本地文件、发起网络请求、访问征信或工商系统的能力。所谓"不存储、不传输"指本 Skill 自身无相应工具通道，用户在对话中提交的内容仍按所在平台会话策略处理，因此脱敏依然必要。
- **产物先预览后使用**：生成的报告、评级与授信建议先在对话中完整呈现，由客户经理核对事实与口径后，**经审核签字再进入正式流程**；本 Skill 不代为提交信贷系统流程。
- **不可替代现场程序**：实地走访、押品勘察、访谈核证、外部数据核验必须由客户经理线下完成。

## Skill Overview

### 0. 2024-2026 信贷风控最新监管动态

| 时间 | 法规/动态 | 对信贷尽调的影响 | 尽调动作落点（新增） |
|------|---------|--------------|-------------------|
| **2024年1月** | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 | 行业风险定档需同步看资本占用 |
| **2025年** | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 | Phase 3 ESG 风险检查 |
| **2025年** | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注"白名单"政策资格 | Phase 1 准入资格核验 |
| **2025年** | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 | Phase 2 资产质量与贸易背景核实 |
| **2025年** | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 | 资金流向核查 |
| **2026年** | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 | 授信结构可考虑绿色专项额度 |
| **2026年6月**（新增） | AI 安全开发应用指导意见 | 信贷审批列为高风险 AI 场景，需人工复核与可追溯 | Phase 5 人工复核要求 |
| **2026年**（新增） | 网络与数据安全管理办法推进 | 客户数据采集与使用边界更明确 | 前置数据最小化声明 |

### 信贷监管动态 [2026-09-16更新]（新增）

| 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 | 信贷审批被列为 AI 高风险应用场景，需人工复核与可追溯 | 2026-Q3 | 授信审批、风险评级 | Phase 5 新增人工复核与留痕要求 |
| 绿色金融 | 绿色信贷导向强化，绿色标签认定与存续期管理趋严 | 2026-H1 | 绿色信贷、转型金融 | Phase 3 新增绿色认定材料核验 |
| 数据合规 | 网络与数据安全管理要求升格，外部数据采购与使用需合规 | 2026-Q3 | 尽调取证 | 前置声明强调脱敏与外部数据来源合规 |
| 供应链 | 供应链金融规范持续完善，贸易背景真实性核查要求提高 | 2026-H1 | 应收

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "bank-credit-investigation",
  "version": "5.0.2",
  "publishedAt": 1789537719478
}

skill-card.md

## Description:

AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete 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, risk managers, and relationship managers use this skill to structure borrower due diligence, financial analysis, industry and ESG risk review, facility recommendations, and investigation report drafts for human review.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Users may provide sensitive banking, identity, account, customer, supplier, or financial-record data during credit due diligence.

Mitigation: Use aggregated and anonymized inputs only; do not paste full bank statements, ID numbers, account numbers, customer lists, supplier lists, or other raw confidential data.

Risk: Regulatory claims, ratings, facility recommendations, and credit conclusions may be incomplete, outdated, or unsuitable for a specific institution.

Mitigation: Verify regulatory claims and credit recommendations with official sources, qualified staff, internal policy, site visits, and authorized human approval before real-world use.

Risk: The skill cannot independently verify borrower facts or retrieve records from credit, corporate registry, banking, or local file systems.

Mitigation: Treat outputs as analytical templates and require customer managers or risk staff to perform offline evidence checks and retain review records.

## Reference(s):


## Skill Output:

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

**Output Format:** [Markdown with structured tables, checklists, and report templates]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Conversation-only analytical output; no code, tools, persistence, credential access, or external system access.]

## Skill Version(s):

5.0.2 (source: frontmatter and server release evidence)

## 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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      "category": "vendor",
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Record generated Oct 10, 2026.

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