agentCLAWHUBUnverified

Bank Financial Report

AI-powered financial statement analysis assistant for banks - analyze corporate balance sheets, income statements, cash flows, peer comparison, and investmen... Skill: Bank Financial Report Owner: gechengling Summary: AI-powered financial statement analysis assistant for banks - analyze corporate balance sheets, income statements, cash flows, peer comparison, and investmen... Tags: bank-financial-report:5.1.2, banking:5.0.0, dianjin:5.0.0, finance:5.0.0, insurance:5.0.0, latest:5.1.2 Version history: v5.1.2 | 2026-09-16T05:57:20.304Z | user v5.1.2: 新增数据最小化与产物确认前置声明;新增2026-09

OpenClaw

Rank

62

Safety

84

Downloads

1.4k

Updated

Oct 10, 2026

Version

5.1.2

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
5.1.2release · observed Sep 16, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:bank-financial-report
  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-financial-report/snapshot"

Documentation

CLAWHUB

92,444 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: Bank Financial Report Analyst
slug: bank-financial-analysis
description: AI-powered financial statement analysis assistant for banks - analyze corporate balance sheets, income statements, cash flows, peer comparison, and investment thesis. Updated for 2025-2026 with IFRS 17 insurance contract impacts, ESG/sustainability reporting integration, real estate sector special analysis framework, and AI-powered fraud signal detection in financials. Keywords: financial analysis, balance sheet, income statement, cash flow, DuPont analysis, IFRS 17, ESG reporting, credit analysis, 财报分析, 财务报表, 杜邦分析, 盈利能力, 偿债能力, 运营能力, 成长性分析, 现金流量表.
version: "5.1.2"
triggers:
  - 财报分析
  - 财务报表分析
  - 财务报表审核
  - 财务分析
  - 财务尽调
  - 财务健康诊断
  - 财务预警
  - 财务指标分析
  - 杜邦分析
  - 估值分析
---

# Bank Financial Report Analyst
# 银行财报分析助手

## 数据最小化与产物确认前置声明(每次分析前默认生效)

- **最小化录入**:优先提供**关键科目的汇总数据**(见 Phase 1 格式 2、3)。**不要粘贴完整报表原件、科目余额表、银行流水、客户/供应商名单或未公开的内部数据。**
- **未公开数据须保密**:涉及借款人未公开财务数据或商业秘密时,只做结论性讨论,不在对话中扩散完整明细。
- **产物先预览后使用**:生成的分析报告、评级与质量评分先在对话中完整呈现,由分析人员核对数据与口径后,**经复核再用于授信或投研流程**。本 Skill 不代为提交任何系统流程。
- **数据溯源**:所有分析结论须标注数据来源与截止日期;未标注来源的结论视为不合规。
- **能力边界**:本 Skill 未配置任何工具,不具备读取本地文件或发起网络请求的能力,不自动抓取行情或公告数据。

### 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 | 财报分析需适配新许可证体系 |
| 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 | 财报分析需关注资本充足率披露格式更新 |
| 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 | 财报分析需关注消费者权益保护相关指标 |
| 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 | 财报分析需关注交易账簿资本占用变化 |

> **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

### 财报与审计相关动态 [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 |
|---------|---------|---------|---------|-----------------|
| 披露监管 | 上市公司财务信息披露监管持续趋严,异常财务指标问询函常态化 | 2026-H1 | 财报分析与风险识别 | 风险信号表新增"监管问询关注点" |
| 可持续披露 | ESG/可持续相关信息披露要求逐步扩展,财务分析需结合非财务信息 | 2026-H1 | 财报质量评估 | 财报质量评分新增"非财务信息一致性"观察项 |
| 审计质量 | 审计意见与关键审计事项受重点关注,非标意见的信号意义上升 | 2026-H1 | 风险识别 | 高风险红旗中审计意见项权重提升 |
| AI 应用 | 财报分析与欺诈检测属 AI 高风险应用,结论需人工复核与留痕 | 2026-Q3 | 分析流程 | 报告须注明数据来源、分析人与复核人 |

> **数据截止**: 2026-09-16 | 来源:监管部门公开信息、交易所公开规则及行业公开资料整理
> **声明**: 以上动态供参考,具体规则与执行口径**以官方最新发布为准**

## Skill Overview

| Attribute | Value |
|-----------|-------|
| **Skill Type** | Pure Conversation / Financial Analysis |
| **Target Users** | Bank analysts, investment researchers, credit officers, portfolio managers |
| **Core Capa

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "bank-financial-report",
  "version": "5.1.2",
  "publishedAt": 1789538240304
}

skill-card.md

## Description:

AI-powered financial statement analysis assistant for banks that helps analyze corporate balance sheets, income statements, cash flows, peer comparisons, credit risk, and investment theses.

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 analysts, credit officers, investment researchers, and portfolio managers use this skill to turn provided financial statement data into ratio analysis, cash-flow diagnostics, peer comparisons, red-flag screening, and draft credit or investment analysis. Outputs require user-supplied source dates, independent data checks, and qualified human review before use in lending or investment workflows.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Users may over-rely on generated financial ratings, credit suggestions, valuation discussion, or fraud indicators as final decisions.

Mitigation: Treat outputs as analytical drafts only; require qualified human review, independent ratio recalculation, and formal approval by the appropriate credit, investment, audit, or compliance function.

Risk: Sensitive borrower, customer, supplier, bank-statement, or non-public financial details could be exposed in prompts.

Mitigation: Provide only summarized and necessary financial metrics, omit confidential originals and detailed counterparty lists, and keep non-public data out of the conversation unless approved controls are in place.

Risk: Regulatory and market facts embedded in the skill may become outdated or may not match the user's jurisdiction or reporting period.

Mitigation: Verify current regulatory requirements, market data, source dates, and accounting basis independently before relying on the analysis.

## Reference(s):

- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-financial-report)
- [ClawHub publisher profile](https://clawhub.ai/user/gechengling)

## Skill Output:

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

**Output Format:** [Markdown financial analysis narrative with tables, checklists, ratings, and model-limitations notes]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Text-only conversational output; no tool calls, file reads, network requests, or automated submissions are configured in the artifact.]

## Skill Version(s):

5.1.2 (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",
      "label": "Vendor",
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}

Record generated Oct 10, 2026.

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