Xpersona
agentCLAWHUBUnverified

Corporate Banker Digital Employee

覆盖贷前尽调、行业分析、股权穿透、财报分析、拜访计划、产品路演、授信申请、拜访备忘录全流程。助力对公客户经理高效完成信贷全流程作业。 Skill: Corporate Banker Digital Employee Owner: gechengling Summary: 覆盖贷前尽调、行业分析、股权穿透、财报分析、拜访计划、产品路演、授信申请、拜访备忘录全流程。助力对公客户经理高效完成信贷全流程作业。 Tags: corporate-banker-digital-employee:2.0.9, latest:2.0.9 Version history: v2.0.9 | 2026-09-28T10:45:30.984Z | user v2.0.9：按平台 LLM 复审 findings 做实质性对齐（上一版仅声明'执行主体由 AI 改为人员'，正文审计示例仍留有 26 处 "executor": "ai"）：① 审计示例执行主体逐条改写——system_api 取数步骤改为'具备权限的人员（机构系统内执行）'（9 处），其余步骤改为'model-draft（人

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.2k

Updated

Oct 11, 2026

Version

2.0.9

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 10/11/2026.

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
1.2K downloadsadoption · observed Oct 11, 2026
Latest release
2.0.9release · observed Sep 28, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:corporate-banker-digital-employee
  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-corporate-banker-digital-employee/snapshot"

Documentation

CLAWHUB

145,048 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: "Corporate Banker Digital Employee"
slug: corporate-banker-digital-employee
description: "覆盖贷前尽调、行业分析、股权穿透、财报分析、拜访计划、产品路演、授信申请、拜访备忘录全流程。助力对公客户经理高效完成信贷全流程作业。"
version: 2.0.9
allowed-tools: []
capabilities:
  - educational-reference
  - human-executed-workflow
  - requires-human-review
  - requires-human-execution
  - illustrative-code-samples
  - illustrative-data-source-labels
  - no-tool-permission-required
---

# Corporate Banker Digital Employee / 对公客户经理数字员工

> **⚠️ SECURITY NOTICE / 安全声明**
> - **Type:** Reference workflow and analytical framework（作业流程参考与分析方法论，非可执行程序）
> - **本技能文件自身不含可执行脚本、安装钩子或凭证采集逻辑**；文中出现的命令、接口、代码片段均为说明性示例，供用户在所属机构环境中自行判断后使用
> - **文中描述的客户拜访记录、授信申请、尽职调查、股权穿透、报告生成等动作，均为对机构既有作业流程的描述**，须由具备权限的人员在机构核心系统中执行并留痕，不由本技能自动完成
> - **所有授信金额、额度测算结果以机构信贷系统与审批决议为准**；文档中的金额示例仅用于说明分析口径，不得作为授信依据
> - **All outputs are drafts for reference and require human review before application**
> - **This skill does NOT provide financial, legal, or insurance advice**；最终业务决策须由具备资质的专业人员作出
>
> **⚠️ Language & jurisdiction / 语言与适用地区**
> - This skill is **Chinese-first (简体中文优先)**: the body, the terminology and the output templates all assume a PRC banking context, supervised by 国家金融监督管理总局 and operating under 《商业银行授信工作尽职指引》 等。
> - Non-Chinese readers can follow the structure, but the compliance wording and the report templates are **not** portable to other jurisdictions without a local compliance mapping done by the user.
>
> **⚠️ 数据安全与人工确认要求**
> - 涉及个人信息、客户经营数据、健康医疗信息时，**须先脱敏再输入**（姓名用"张*"、证件号保留前6后4、账户保留后4位），遵循最小必要原则
> - 输出如需保存、归档或对外发送，**必须先预览并由责任人确认**后再执行，不得直接落盘或外发
> - 审计留痕与日志留存遵循所属机构制度与保存期限要求，不得超出授权范围留存敏感信息



---

## 执行边界说明（Execution Boundary）／请务必阅读

本技能是**机构作业流程的参考手册与判定标准**，不是自动化程序。为消除理解歧义，明确界定如下：

| 文中表述 | 真实含义 | 由谁执行 |
|---|---|---|
| 生成、输出、形成 |
| 生成**待确认的初稿/建议文本** |
| 模型生成，人工确认 |
| 保存、归档、留存、写入 |
| 指人员在机构既有系统中按制度执行，并按规定留痕 |
| 具备权限的人员 |
| 案件登记、结案、通知、发送 |
| 指人员在核心业务系统中操作 |
| 具备权限的人员 |
| 审计日志、追溯记录 |
| 指机构系统的既有留痕机制 |
| 机构系统 + 责任人 |
| 由具备权限的人员执行、自动生成 |
| 指**流程中的自动环节由机构系统完成**，本技能仅说明规则与判定口径 |
| 机构系统 |
| `system_api`、`/api/...` 等接口名与路径 |
| **仅为说明取数口径的数据来源标签**，用于标注某字段通常来自哪类系统；不代表本技能持有、申请或调用任何接口权限 |
| 机构既有系统（由具备权限的人员操作） |
| 案件编号 CASE-xxxx、`case_id` |
| **仅为输出文本中的占位示例**，用于说明字段格式；真实编号由机构信贷系统生成，本技能不生成、不登记、不写入任何案件 |
| 机构信贷系统 |
| 提交成功、返回编号、已归档 |
| 描述**人员完成提交后由系统返回的结果**；本技能到‘生成待提交初稿 + 常见退件自查’为止，不发起提交、不写入台账 |
| 具备权限的人员 + 机构系统 |
| 定时、批量、自动生成 | 指人员在机构排期内主动发起；本技能**不创建、不注册、不触发任何定时任务** | 具备权限的人员 |
| 中文正文与简体中文输出 | 本技能为**简体中文优先（Chinese-first）**，假定适用中国境内银行业监管框架 | 使用者自行判断适用性 |

**三条硬边界：**
1. 本技能不代替人做任何业务决定；所有结论在使用前须经具备资质的人员复核。
2. 本技能不保存、不外发、不留存任何客户数据；如需留存，由人员在机构受控环境中按制度办理。
3. 任何涉及资金、客户信息、监管报送的动作，均以机构系统与审批决议为准。
4. 文中出现的 `system_api`、`/api/...`、系统名称、案件编号等，均为**说明性标签与占位示例**，用于统一口径描述；
   本技能不获得、不要求、不调用任何工具或接口权限（`allowed-tools` 为空），也不会主动访问任何内外部系统。
5. 输出中若出现"保存记录""已归档""案件编号"等字样，一律理解为**对机构既有作业结果的描述**，
   而非本技能产生的副作用；本技能不建立、不写入、不维护任何本地目录、笔记文件或日志。

> **关于数据来源标签的进一步说明**：本技能用 `user_upload`（用户主动提供）、`reference`（公开披露）、
> `context`（前序步骤产出）、`system_api`（机构既有系统通常口径）四类标签标注字段来源，
> 目的是让使用者知道"

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "corporate-banker-digital-employee",
  "version": "2.0.9",
  "publishedAt": 1790592330984
}

skill-card.md

## Description:

Provides Chinese-first reference workflows and draft analyses for corporate banking visits, due diligence, financial and industry assessment, and credit applications.

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

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

Corporate relationship managers and credit officers use this reference to draft visit plans, diligence and financial analyses, client notes, and credit application materials for human review. Authorized staff perform any system access, case creation, or submission.

### Deployment Geography for Use:

Mainland China (PRC banking context); use elsewhere requires local compliance review.

## Known Risks and Mitigations:

Risk: Credit-case language may be interpreted as permission to create or submit regulated applications.

Mitigation: Review the workflow before installation near real credit systems; keep case creation, submission, and record changes with authorized staff, and do not grant the agent write or submit permissions while the ambiguity remains.

Risk: Customer records and financial information could be exposed or used without adequate review.

Mitigation: Use authorized accounts and desensitized, minimum-necessary customer data; have qualified staff verify drafts and decisions before use.

## Reference(s):

- [Corporate Banker Digital Employee on ClawHub](https://clawhub.ai/gechengling/skills/corporate-banker-digital-employee)

## Skill Output:

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

**Output Format:** [Simplified Chinese Markdown drafts, reports, and checklists]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Drafts require human verification; the skill does not submit credit cases or write records.]

## Skill Version(s):

2.0.9 (source: skill frontmatter and ClawHub 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.

{
  "facts": [
    {
      "factKey": "vendor",
      "category": "vendor",
      "label": "Vendor",
      "value": "Clawhub",
      "href": "https://clawhub.ai/gechengling/skills/corporate-banker-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/skills/corporate-banker-digital-employee",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T00:31:14.412Z",
      "isPublic": true
    },
    {
      "factKey": "protocols",
      "category": "compatibility",
      "label": "Protocol compatibility",
      "value": "OpenClaw",
      "href": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-corporate-banker-digital-employee/contract",
      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-corporate-banker-digital-employee/contract",
      "sourceType": "contract",
      "confidence": "medium",
      "observedAt": "2026-10-11T00:31:14.412Z",
      "isPublic": true
    },
    {
      "factKey": "traction",
      "category": "adoption",
      "label": "Adoption signal",
      "value": "1.2K downloads",
      "href": "https://clawhub.ai/gechengling/corporate-banker-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/corporate-banker-digital-employee",
      "sourceType": "profile",
      "confidence": "medium",
      "observedAt": "2026-10-11T00:31:14.412Z",
      "isPublic": true
    },
    {
      "factKey": "latest_release",
      "category": "release",
      "label": "Latest release",
      "value": "2.0.9",
      "href": "https://clawhub.ai/gechengling/corporate-banker-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/corporate-banker-digital-employee",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-28T10:45:30.984Z",
      "isPublic": true
    },
    {
      "factKey": "handshake_status",
      "category": "security",
      "label": "Handshake status",
      "value": "UNKNOWN",
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      "sourceUrl": "https://www.xpersona.co/api/v1/agents/clawhub-gechengling-corporate-banker-digital-employee/trust",
      "sourceType": "trust",
      "confidence": "medium",
      "observedAt": null,
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    }
  ],
  "events": [
    {
      "eventType": "release",
      "title": "Release 2.0.9",
      "description": "v2.0.9：按平台 LLM 复审 findings 做实质性对齐（上一版仅声明'执行主体由 AI 改为人员'，正文审计示例仍留有 26 处 \"executor\": \"ai\"）：① 审计示例执行主体逐条改写——system_api 取数步骤改为'具备权限的人员（机构系统内执行）'（9 处），其余步骤改为'model-draft（人工确认）'（17 处），全文归零；② Module 8 措辞与边界对齐——提交类动作明确'本技能不发起案件创建、不发起提交、不写入台账'，case_id 标注为占位示例，'对接提示'改为字段口径说明；③ 执行边界表由单行压扁改回标准多行表格并新增'定时/批量/自动生成'与'中文正文与简体中文输出'两个维度（24→26 行）；④ 新增语言与适用地区披露（Chinese-first）；版本号 2.0.8→2.0.9",
      "href": "https://clawhub.ai/gechengling/corporate-banker-digital-employee",
      "sourceUrl": "https://clawhub.ai/gechengling/corporate-banker-digital-employee",
      "sourceType": "release",
      "confidence": "medium",
      "observedAt": "2026-09-28T10:45:30.984Z",
      "isPublic": true
    }
  ]
}

Record generated Oct 11, 2026.

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