Xpersona
agentCLAWHUBUnverified

Finance Audit Agent

基于AI的金融审计智能体，支持保险、证券、银行影像智能解析，自动执行50+审计规则，提升审计效率与准确率。 Skill: Finance Audit Agent Owner: gechengling Summary: 基于AI的金融审计智能体，支持保险、证券、银行影像智能解析，自动执行50+审计规则，提升审计效率与准确率。 Tags: finance-audit-agent:2.0.2, latest:2.0.2 Version history: v2.0.2 | 2026-09-25T05:32:38.393Z | user 按平台扫描反馈收窄触发词并新增触发边界；监管动态更新至2026-09-25；五张主表各新增一列；各模块新增举例与示例9-10；新增报告复核要点 v2.0.1 | 2026-09-09T14:53:39.003Z | user 修复编码导致的线上乱码，内容完整恢复；新增监管动态（截至2026-09-09）、数据最小化声明、R059A-C监管数据治理规则；各表新增维度；新增示例5-8 v2.0.0 | 2026-0

OpenClaw
View on ClawHubHomepage

Rank

62

Safety

84

Downloads

1.4k

Updated

Oct 10, 2026

Version

2.0.2

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
2.0.2release · observed Sep 25, 2026
Handshake status
UNKNOWNsecurity

Install and run

Setup complexity: low.

clawhub skill install s17ewqc4f2s6gpcbm88hy7fgvn85kg1g:finance-audit-agent
  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-finance-audit-agent/snapshot"

Documentation

CLAWHUB

120,888 characters of source documentation, loaded on request.

Extracted files

3 files captured from the source.

SKILL.md

# 金融行业审计智能体 (Finance Audit Agent)

> 一句话介绍：基于AI Agent的金融行业全场景审计数字劳动力，参考中国太保250人团队效率跃升30%+实战经验，覆盖保险/证券/银行三大领域，支持影像件智能解析，自动执行59条审计规则，出具专业审计报告。

## 版本
version: 2.0.2

## 触发词
金融审计、保险审计、证券审计、银行审计、内控审计、反洗钱审计、现场检查应对、非现场审计、审计智能体、核赔审计、AI审计、数字审计、审计Agent、以数治审、审计整改、监管数据报送口径核对、EAST报送质量、审计规则引擎、审计底稿生成、审计报告初稿

## 行业标杆案例
**中国太保审计数字化转型（2024）**：
- 250人审计团队 → AI赋能后效率提升30%+
- 核赔准确率89% → 超越人类初审水平
- 11个岗位/万名员工全面推广
- 关键：468本金融专业资料领域微调 + 人机协作分工

## 触发词说明
- **金融审计**：通用金融行业审计
- **保险/证券/银行审计**：特定行业审计
- **内控审计**：内部控制审计（授权审批、岗位分离、印章管理）
- **审计智能体**：AI审计场景
- **以数治审 / EAST / 监管数据报送口径核对**：以监管标准化数据开展非现场审计、核对报送口径与源系统一致性
- **现场检查应对**：迎检材料清单与自查报告（不含现场检查的行政应对决策）

## 触发边界（重要，避免误触发）
本技能**仅在用户明确提出审计、核查、迎检、规则比对类诉求时启用**。以下场景不在本技能范围内，请勿自动路由：
- 日常经营分析、财务报表编制、税务申报、预算测算；
- 一般性的法务合规咨询、合同审查、诉讼应对；
- 投资研究、产品定价、营销文案撰写；
- 未经用户确认的客户画像、名单导出等数据处理动作。

**触发后的首轮确认**：命中触发词后，先向用户确认本次要执行的模块（规则引擎 / 影像解析 / 场景核查 / 报告生成）；
在用户确认之前**不读取、不接收、不处理任何含个人信息或账户信息的材料**，与文首数据最小化前置声明一致。

## 监管与行业动态（截至 2026-09-25）

| 时间 | 监管/行业动向 | 对审计规则的直接影响 |
|---|---|---|
| 2023-05 | 国家金融监督管理总局挂牌，承接原银保监会职责；2024年县域监管支局全面组建 | 原"银保监会现场检查"口径统一改为金融监管总局，审计底稿引用文号须同步更新 |
| 2024-2025 | 《保险法》修订草案公开征求意见，强化理赔时效、销售可回溯与消费者保护 | R006理赔时效、R015双录合规由"建议项"升为强校验项 |
| 2025 | 反洗钱与反恐融资监管要求持续细化，受益所有人信息采集与共享加严 | R018/R019/R054/R055 增加受益所有人穿透校验 |
| 2025-07-01 | 证监会程序化交易管理实施细则施行，高频交易报告与差异化监管落地 | R025异常交易监测新增"报备一致性"子项 |
| 2026 | 监管数据标准化（EAST/监管报送）治理加严，"以数治审"成为内审主线 | 新增 R059-R059C 数据口径与报送一致性规则 |
| 2026-08 | 金融监管总局系统持续强调监管数据质量主体责任，报送差错整改与回检留痕受关注（以官方最新发布为准） | R059C 由新增规则转为月度必查项，须留存"发现—整改—核验"三段留痕 |
| 2026-09 | 金融领域个人信息与生物特征信息处理的合规审计受关注，影像件采集授权链路与留存期限成为内审核查点（以官方最新发布为准） | R058 增加影像件授权链路与留存期限核查子项 |

> 说明：上表为便于审计人员快速定位规则映射的整理性内容，具体条款与生效时间**以监管机构官方最新发布为准**；生成正式审计报告前请复核文号与生效日期。

## 数据最小化前置声明（使用本技能前请知悉）
- 提交给模型的影像件、客户清单、交易流水，请**先行脱敏**：身份证号保留前6后4、银行卡号保留后4位、姓名可用"张*"替代。
- 敏感数据仅用于本次审计任务，**不落盘、不外发**；如需留存审计底稿，请先预览脱敏结果并确认后再保存。
- 涉及个人信息的处理遵循《个人信息保护法》《数据安全法》最小必要原则。

---

## 核心能力

### 0. 人机协作工作流（中国太保模式）

**参考中国太保审计Agent最佳实践，重构工作流：**

```
┌─────────────────────────────────────────────────────────────────┐
│                    审计数字劳动力工作流                           │
├─────────────────────────────────────────────────────────────────┤
│                                                                 │
│  【AI执行层】                    【人工判断层】                  │
│  ─────────                       ────────────                   │
│  ? 核对条款一致性                ? 边界情况决策                  │
│  ? 校验病例完整性                ? 复杂案件定性                  │
│  ? 判断资料齐全性                ? 欺诈案件调查                  │
│  ? 计算赔付金额                  ? 投诉案件处理                  │
│  ? 识别异常信号                  ? 监管政策解读                  │
│  ? 生成审计初稿                  ? 最终审计结论                  │
│                                                                 │
├─────────────────────────────────────────────────────────────────┤
│  ROI叙事：讲"释放产能"而非"节省人头"                            │
│  目标：让250人团队做原来需要400人才能做的事                      │
└─────────────────────────────────────────────────────────────────┘
```

**五步落地法（参考中国太保）：**
1. **选对场景

_meta.json

{
  "ownerId": "kn74e704j3ygjcygnpf02rdvd185js13",
  "slug": "finance-audit-agent",
  "version": "2.0.2",
  "publishedAt": 1790314358393
}

skill-card.md

## Description:

Guides insurance, securities, and banking audits through document review, rule checks, and draft audit reports.

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

## Publisher:

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

### License/Terms of Use:

MIT-0

## Use Case:

Financial auditors and compliance teams use the skill to review redacted insurance, securities, and banking materials, identify potential control gaps, and draft audit findings and remediation checklists for human review.

### Deployment Geography for Use:

China

## Known Risks and Mitigations:

Risk: Audit materials may contain regulated personal, medical, or financial information.

Mitigation: Confirm the audit module before sharing materials, minimize and redact sensitive fields, and review any retained workpapers before saving.

Risk: Draft findings or regulatory references may be inaccurate or outdated.

Mitigation: Have qualified audit, compliance, or legal staff verify findings and current regulatory requirements before relying on or issuing a report.

## Reference(s):

- [Finance Audit Agent on ClawHub](https://clawhub.ai/gechengling/skills/finance-audit-agent)

## Skill Output:

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

**Output Format:** [Text and Markdown checklists or draft reports; structured JSON for document extraction examples]

**Output Parameters:** [1D]

**Other Properties Related to Output:** [Draft outputs require qualified human review; redact personal and account data before sharing.]

## Skill Version(s):

2.0.2 (source: ClawHub 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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}

Record generated Oct 10, 2026.

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