Xpersona
agentCLAWHUBUnverified

Credit Risk Manager Digital Employee

覆盖行业规则生成、大额风险暴露管理、信贷政策分析、风险协作、风险信息提取、贷后监控预警、贷后管理、VLM验证全流程。帮助银行信用风险管理人员实现风险闭环管理。 Skill: Credit Risk Manager Digital Employee Owner: gechengling Summary: 覆盖行业规则生成、大额风险暴露管理、信贷政策分析、风险协作、风险信息提取、贷后监控预警、贷后管理、VLM验证全流程。帮助银行信用风险管理人员实现风险闭环管理。 Tags: credit-risk-manager-digital-employee:2.0.9, latest:2.0.9 Version history: v2.0.9 | 2026-09-25T05:51:52.531Z | user 收尾统一剩余confirm/approve两处确认机制写法，全部统一为需人工确认后执行 v2.0.8 | 2026-09-25T05:48:49.646Z | user 统一确认机制：6处none及confirm/approve写法全部改为需人工确认后执行；系统接口/网络搜索明确为说明性标签；

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-risk-manager-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-risk-manager-digital-employee/snapshot"

Documentation

CLAWHUB

144,821 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

---
name: "Credit Risk Manager Digital Employee"
slug: credit-risk-manager-digital-employee
description: "覆盖行业规则生成、大额风险暴露管理、信贷政策分析、风险协作、风险信息提取、贷后监控预警、贷后管理、VLM验证全流程。帮助银行信用风险管理人员实现风险闭环管理。"
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
  - explicit-human-confirmation-per-step
---

# Credit Risk Manager Digital Employee / 信用风险管理师数字员工

> **⚠️ 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
> - **文中描述的风险预警、贷后检查、风险分类调整、风险协作记录等动作，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
> - **所有敞口金额、风险分类与拨备计提结果以机构风险管理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
> - **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 | | 确认机制=none / confirm / approve | 历史版本中的多种写法已统一；**本技能所有步骤的确认机制均为“需人工确认后执行”**，不存在免确认步骤 | 用户 + 具备权限的人员 | | 系统接口、系统API、网络搜索、政策库查询 | **仅为说明取数口径的数据来源标签**；`allowed-tools` 为空，本技能不发起任何联网检索或接口调用 | 具备权限的人员（机构既有渠道） | | 自动计数、自动识别、自动生成 | 指**模型在对话内完成的文本分析与统计**，结果以初稿形式呈现并标注“建议核实”；不是系统侧的自动化作业 | 模型（对话内）+ 人工核实 |

**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. **不存在免确认步骤**：所有步骤的确认机制统一为“需人工确认后执行”（历史上出现过 `none`／`confirm`／`approve` 等写法，已全部统一）；
   不存在“默认执行”“自动落数”“免确认写入”的环节。
5. 文中出现的“系统接口”“系统API”“网络搜索”“政策库查询”等，均为**说明性数据来源标签**，
   用于提示使用者去哪里核对；本技能不发起检索、不调用接口、不访问任何内外部系统。


## Skill Overview / 技能概览

信用风险管理师数字员工，集成以下8项核心能力模块：

1. **Module 1: 风险信息提取**
2. **Module 2: 行业风险规则生成**
3. **Module 3: 信贷政策分析**
4. **Module 4: 大额风险暴露管理**
5. **Module 5: 风险协作者**
6. **Module 6: 贷后风险监控**
7. **Module 7: 贷后管理**
8. **Module 8: VLM验证**

---


---

## Module 1: 风险信息提取

# 信贷风险结构化提取

## 目标角色 (Target Role)

- **角色**：风险分析专家 / 信贷审批官 / 风控规则数据化专家
- **场景**：贷前尽调报告结构化、审批委员会材料准备、贷后风险台账维护、风险报告质量审核、行业风险知识库建设
- **输出用途**：生成企业标签画像与风险结构化分析报告，将抽象风险转化为数据可验证的具体规则
- **决策层级**：辅助决策（输出供信审人员参考，不直接用于审批决策）
- **执行频率**：按需执行，通常在贷前尽调或定期风险回顾时调用

## 数据接入 (Data Sources)

### 必需数据
| 数据项 | 来源 | 获取方式 | 敏感级别 | |--------|------|---------|----------| | 企业信贷报告/风险评价文本 | 用户上传 | `file read` | 内部 | | 企业基本情况描述 | 用户上传 | `file read` | 内部 | | GB/T 4754-20

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "credit-risk-manager-digital-employee",
  "version": "2.0.9",
  "publishedAt": 1790315512531
}

skill-card.md

## Description:

Provides Chinese-language reference workflows and draft analyses for banking credit-risk management, from industry rules and exposure review to post-loan monitoring and multimodal verification.

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-risk employees use this reference to draft risk analyses, exposure reviews, policy assessments, post-loan monitoring reports, and verification checklists for qualified human review.

### Deployment Geography for Use:

Global

## Known Risks and Mitigations:

Risk: Customer, account, identity, health, or transaction data may be sensitive.

Mitigation: Minimize and desensitize inputs before use; handle retained data only in authorized institutional systems.

Risk: Draft risk assessments may be mistaken for approved credit decisions or operational instructions.

Mitigation: Require qualified human review and institutional approval before applying conclusions or taking action.

## Reference(s):

- [ClawHub skill listing](https://clawhub.ai/gechengling/skills/credit-risk-manager-digital-employee)

## Skill Output:

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

**Output Format:** [Markdown drafts and structured risk-analysis tables]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Reference drafts only; qualified personnel must verify conclusions and approve any action in institutional systems.]

## Skill Version(s):

2.0.9 (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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}

Record generated Oct 11, 2026.

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