Bank Credit Memo
AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations Skill: Bank Credit Memo Owner: gechengling Summary: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations Tags: bank-credit-memo:4.1.2, latest:4.1.2 Version history: v4.1.2 | 2026-09-16T05:52:01.789Z | user v4.1.2: 新增数据最小化与产物确认前置声明;新增2026-09-16授信审批动态表;新增材料清单与必要性表;财务比率表增关注阈值与追问方向两列及现金流质量行;新增财务分析写作示例与行业分析写作要点表;评级表增授信政策含义
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-memo- 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-gechengling-bank-credit-memo/snapshot"
Documentation
CLAWHUB
74,940 characters of source documentation, loaded on request.
Extracted files
3 files captured from the source.
SKILL.md
--- name: Bank Credit Memo Writer slug: bank-credit-memo description: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations. Updated for 2024-2026 Basel III risk weight framework, ESG/green credit assessment, real estate "whitelist" policy, and digital supply chain finance. Keywords: credit memo, credit analysis, credit rating, loan approval, Basel III, ESG credit, China banking, 信用备忘录, 授信报告, 信用分析报告, 评级报告, 信贷审批, 贷款评估, 额度测算, 担保评估. version: "4.1.2" triggers: - 信用备忘录 - 授信报告 - 信用分析报告 - 评级报告 - 授信建议 - 贷款审批报告 - 信用审查报告 - 额度审批 - 贷款评审报告 --- # Bank Credit Memo Writer # 银行信用备忘录撰写助手 ## 数据最小化与产物确认前置声明(每次撰写前默认生效) - **最小化录入**:撰写备忘录只需**聚合财务数据与结论性信息**(如"近三年营收 3.2/3.8/4.1 亿元,资产负债率 58%")。**不要粘贴完整报表原件、银行流水、员工花名册、客户/供应商名单、自然人证件信息。** - **强制脱敏**:客户名称可用"某公司"或项目编号替代;涉及自然人(实控人、保证人)一律用编号或化名。 - **产物先预览后流转**:生成的备忘录、评级结论、授信建议先在对话中完整呈现,由客户经理核对事实与数据版本后,**经有权审批人签字方可进入审批流程**。本 Skill 不代为提交审批系统。 - **不替代专业判断**:评级与授信建议为**分析框架产物**,须经风险经理独立复核;涉及 AI 辅助生成的结论须留痕(输入数据版本、撰写人、复核人、复核时间)。 ### 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 | 信用备忘录需更新许可证信息展示 | | 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 | 信用备忘录需更新资本占用计算(Basel III风险权重) | | 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 | 信用备忘录需增加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 | 授信方案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 ### 授信审批相关动态 [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 治理 | 信贷审批列为 AI 高风险应用场景,AI 辅助结论需人工复核与留痕 | 2026-Q3 | 备忘录撰写、评级建议 | Phase 4 备忘录新增"AI 辅助说明与人工复核"栏 | | 绿色金融 | 绿色信贷导向强化,绿色项目认定与存续期管理要求趋严 | 2026-H1 | 绿色信贷授信报告 | 绿色信贷版新增认定材料清单 | | 资本管理 | Basel III 风险计量持续落地,风险权重影响授信定价与资本占用 | 2026-H1 | 授信方案与定价 | 授信方案建议新增资本占用说明 | | 数据合规 | 网络与数据安全管理要求升格,客户数据使用边界更明确 | 2026-Q3 | 备忘录中的客户信息展示 | 前置声明强化脱敏要求 | > **数据截止**: 2026-09-16 | 来源:国家金融监督管理总局及行业公开信息整理 > **声明**: 以上动态供参考,具体条款与执行口径**以官方最新发布为准** ## Skill Overview | Attribute | Value | |-----------|-------| | **Skill Type** | Pure Conversation / Report Generation | | **Target Users** | Bank credit officers, credit committee members, relationship managers | | **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation | | **Industry** | Com
_meta.json
{
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"slug": "bank-credit-memo",
"version": "4.1.2",
"publishedAt": 1789537921789
}skill-card.md
## Description: AI-powered bank credit memo and credit analysis report writer that generates structured credit analysis reports, credit ratings, and facility recommendations. 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, credit committee members, and relationship managers use this skill to draft internal credit memos, rating rationales, facility recommendations, and specialized credit-analysis report variants from borrower and financial inputs. ### Deployment Geography for Use: Global ## Known Risks and Mitigations: Risk: The skill may process sensitive borrower, financial, or personal guarantor information during credit memo drafting. Mitigation: Use sanitized or appropriately authorized credit-analysis data, minimize inputs to aggregated financial and conclusion-level information, and avoid full bank statements, raw reports, customer lists, supplier lists, employee rosters, and natural-person identity details. Risk: Generated credit ratings, facility recommendations, and memo conclusions could be incorrect or incomplete if source data is stale, unsourced, or not independently checked. Mitigation: Treat all outputs as drafts for qualified credit officers, risk managers, and authorized approvers to verify against source data before any lending decision or approval workflow. ## Reference(s): - [Bank Credit Memo ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-memo) ## Skill Output: **Output Type(s):** [Text, Markdown, Guidance] **Output Format:** [Markdown reports and structured memo sections] **Output Parameters:** [1D] **Other Properties Related to Output:** [Draft credit ratings, facility recommendations, risk tables, review checklists, and memo variants require qualified human review before use in credit decisions.] ## Skill Version(s): 4.1.2 (source: frontmatter and 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.
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Machine-readable data
The same record, as JSON, for agents and crawlers.
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