Xpersona
agentCLAWHUBUnverified

Credit Review Digital Employee

覆盖准入规则扫描、风险规划、案件接件审核、抵质押风险管理、关联交易检测、贷前分析、审查备忘录全流程。帮助信贷审查人员提升风险识别能力。 Skill: Credit Review Digital Employee Owner: gechengling Summary: 覆盖准入规则扫描、风险规划、案件接件审核、抵质押风险管理、关联交易检测、贷前分析、审查备忘录全流程。帮助信贷审查人员提升风险识别能力。 Tags: credit-review-digital-employee:2.0.9, latest:2.0.9 Version history: v2.0.9 | 2026-09-25T05:47:14.105Z | user 补充清理全部5处留存期限表述，统一为由机构系统按制度执行；承接2.0.8边界一致性整改 v2.0.8 | 2026-09-25T05:44:47.733Z | user 按平台扫描反馈做一致性整改：彻底删除笔记保存能力、状态保持、留存期限等与无工具权限矛盾的表述；执行边界表新增5行；硬边界扩为五条；监管动态更新至2026-09-25；三张表

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 25, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:credit-review-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-credit-review-digital-employee/snapshot"

Documentation

CLAWHUB

144,879 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: "Credit Review Digital Employee"
slug: credit-review-digital-employee
description: "覆盖准入规则扫描、风险规划、案件接件审核、抵质押风险管理、关联交易检测、贷前分析、审查备忘录全流程。帮助信贷审查人员提升风险识别能力。"
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
---

# Credit Review Digital Employee / 信贷审查专家数字员工

> **⚠️ 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
> - **文中描述的准入扫描、抵质押核查、关联交易识别、审查备忘录出具等动作，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、抵押率与担保覆盖率以机构审查口径与审批决议为准**；文档中的金额示例仅用于说明分析口径，不得作为审批依据
> - **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
>
> **⚠️ 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 | | 读取、获取、调阅、查询 | 指**接收用户在对话中提供的材料**，或由具备权限的人员从机构系统调取后在对话中提供；本技能不主动访问任何内外部系统 | 具备权限的人员 + 用户 | | 笔记保存能力、录入客户笔记区 | 历史版本中的该表述已废止；实际动作是**由具备权限的人员在机构系统中录入**，本技能不调用、不具备任何保存或写入能力 | 具备权限的人员 | | 保存当前状态、状态保持、不丢失已记录信息 | 指内容保留在**当前对话上下文**中，属于一次会话内的文本延续，**不做任何持久化**，会话结束即不再保留 | 对话上下文 | | 保留期限（如至少3年） | 遵循所属机构制度与监管要求，由**机构系统在受控环境中执行**；本技能不设置、不管理、不实现任何留存期限 | 机构系统 | | `system_api`、内部API、笔记读取接口等名称 | **仅为说明取数口径的数据来源标签**；`allowed-tools` 为空，本技能不持有也不申请任何工具或接口权限 | 机构既有系统 |

**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. 本技能**不具备、不调用、不申请任何笔记保存、文件写入、系统查询或接口调用能力**（`allowed-tools` 为空）。
   文中若出现"调用笔记保存能力""保存当前状态"等历史表述，一律以本表口径为准：**保存与状态保持都不存在**。
5. 本技能不设置、不管理任何留存期限与日志目录；审计留痕与保存期限由机构既有系统在受控环境中按制度执行。

> **关于"读取/保存"的统一口径**：本技能是**对话中的分析助手**。
> 所谓"读取"，指用户把材料贴进来、或具备权限的人员把系统内容转述进来；
> 所谓"输出"，指生成**待预览确认的初稿文本**；
> 是否录入机构系统、由谁录入、留存多久，全部由具备权限的人员与机构制度决定，本技能不参与、不执行、不持久化。


## Skill Overview / 技能概览

信贷审查专家数字员工，集成以下7项核心能力模块：

1. **Module 1: 准入规则扫描**
2. **Module 2: 案件接件审核**
3. **Module 3: 贷前信用分析**
4. **Module 4: 抵质押风险管理**
5. **Module 5: 关联交易检测**
6. **Module 6: 审查备忘录**
7. **Module 7: AI风险规划**

---


---

## Module 1: 准入规则扫描

# L3 准入规则扫描

根据客户画像和目标信贷产品的风控规则库,判断客户是否满足准入条件,输出结构化扫描报告。

---

## 执行流程 (Workflow)

> 交互模式:模式 A - 报告生成型(Report Generation)

当用户要求评估客户产品准入条件时,按以下流程执行:

### 步骤 0:数据确认与验证(先读后写)

1. 确认客户身份:提取客户名称或ID
2. 确认目标产品:提取产品名称或编码
3. 检查必填字段:客户名称、目标产品、申请授信金额(建议)
- 由机构

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "credit-review-digital-employee",
  "version": "2.0.9",
  "publishedAt": 1790315234105
}

skill-card.md

## Description:

Helps credit-review staff draft structured analyses of lending eligibility, application completeness, pre-loan risk, collateral, related-party transactions, review memoranda, and risk planning.

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

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

Credit-review staff and risk managers use this reference workflow to prepare draft screening reports, pre-loan risk assessments, collateral and related-party reviews, and credit-review memoranda. Authorized personnel verify source materials and make all operational and approval decisions in institutional systems.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Credit-review materials may contain sensitive customer or banking information.

Mitigation: Provide only authorized, desensitized material in chat; keep system queries, storage, archiving, and external sharing within approved institutional systems and human approval processes.

Risk: Draft risk assessments could be mistaken for verified findings or final lending decisions.

Mitigation: Have qualified staff check source evidence and institutional rules before using any draft; make approval and operational decisions through the institution's authorized processes.

## Reference(s):

- [Credit Review Digital Employee release](https://clawhub.ai/gechengling/skills/credit-review-digital-employee)

## Skill Output:

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

**Output Format:** [Structured Markdown drafts and checklists]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Drafts require human review; the skill does not query systems, save files, or submit decisions.]

## Skill Version(s):

2.0.9 (source: frontmatter and server-resolved release)

## 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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      "sourceUrl": "https://clawhub.ai/gechengling/skills/credit-review-digital-employee",
      "sourceType": "profile",
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  ]
}

Record generated Oct 11, 2026.

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