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gechengling\n\nSummary: AI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and full investigation rep...\n\nTags: bank-credit-due-diligence:4.1.2, latest:4.1.2\n\nVersion history:\n\nv4.1.2 | 2026-09-16T05:30:22.610Z | user\n\nv4.1.2: 新增能力边界准确表述与产物确认声明；分析框架增取证来源与预警信号两列及2个填写示例；财务比率表增交叉验证方法列及盈利质量/关联占用两行+判读示例；行业风险增定档依据列与政策资格风险行；Phase4增各章节写作要点表；评级表增缓释要求列；新增现金流诊断与早期预警模板；更新至2026-09-16\n\nv4.1.1 | 2026-06-28T13:10:58.907Z | auto\n\nBank Credit Due Diligence Assistant 4.1.1\n\n- Added latest regulatory developments, including AI compliance and cybersecurity in banking, with updates as of 2026-06-28.\n- Incorporated new table summarizing recent official opinions and implementation plans relevant to bank credit due diligence.\n- Removed obsolete skill-card.md file.\n- General content and data sources in SKILL.md updated to reflect most recent regulatory guidance.\n- No changes to workflow or functionality.\n\nv4.1.0 | 2026-06-15T06:18:15.511Z | auto\n\n**Changelog for v4.1.0:**\n\n- Added a new \"监管最新动态\" (latest regulatory developments as of 2026-06-15) section with recent policies, Basel III updates, and regulatory focus areas to the documentation.\n- Updated the introduction to highlight and date the latest industry supervision changes.\n- No changes to core analysis logic or output triggers.\n- Removed the obsolete `skill-card.md` file.\n\nv4.0.1 | 2026-06-03T14:00:44.540Z | auto\n\n- Added a comprehensive security and data privacy notice, emphasizing sensitive data handling and educational/reference-only scope.\n- Updated skill type and capabilities to clarify that no executable code, storage, or autonomous processing is present; all outputs require human review.\n- Reworked and expanded trigger/activation instructions, with mandatory user confirmation for borderline use cases.\n- Removed three documentation/configuration files; main documentation is now consolidated in SKILL.md.\n- Clarified usage context, limitations, and disclaimer to reinforce that all analyses are advisory and not final credit decisions.\n\nv4.0.0 | 2026-05-19T13:47:57.791Z | auto\n\n- Major upgrade for 2025-2026: updated with 商业银行资本管理办法 risk weight changes, ESG credit risk assessment, AI fraud detection, and digital supply chain finance.\n- Expanded industry and financial ratio analysis with structured tables and clear thresholds.\n- Step-by-step workflow: borrower, financial, industry risk, and full report generation.\n- Error-checklists and quick command templates included.\n- Enhanced for regulatory updates, supply chain finance, and green finance requirements.\n\nArchive index:\n\nArchive v4.1.2: 3 files, 12349 bytes\n\nFiles: skill-card.md (2534b), SKILL.md (24011b), _meta.json (144b)\n\nFile v4.1.2:SKILL.md\n\n---\r\nname: Bank Credit Due Diligence Assistant\r\nslug: bank-credit-due-diligence\r\nversion: 4.1.2\r\nallowed-tools: []\r\ncapabilities:\r\n - educational-reference\r\n - advisory-only\r\n - requires-human-review\r\n - no-executable-code\r\n---\r\n\r\n# Bank Credit Investigation Assistant / 银行信贷尽调助手\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **No executable code, scripts, or binaries are included in this skill**\r\n> - **No persistent storage, network calls, background execution, or credential collection**\r\n> - **All outputs are for reference only and require human review before real-world application**\r\n> - **This skill does NOT provide final credit approval or rejection decisions**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n>\r\n> **⚠️ 敏感数据处理警告**\r\n> - 本技能涉及**银行信贷尽调**场景，可能涉及借款人、财务信息、个人数据等高度敏感信息\r\n> - **请勿输入真实的客户个人身份信息（PII）**，除非您所在机构明确允许且有数据保护措施\r\n> - 本技能**不存储、不传输、不持久化**任何用户输入的数据\r\n> - 所有分析建议仅供内部参考，最终信贷决策必须由持牌银行人员依据内部政策和监管要求作出\r\n> - 生成的调查报告需经授权人员审核签字后方可提交\r\n\r\n## 数据最小化与产物确认前置声明（每次尽调开始前默认生效）\r\n\r\n- **最小化录入**：优先输入聚合口径（如\"近三年营收分别为 3.2/3.8/4.1 亿元\"），不要粘贴完整科目明细表、银行流水原件、完整股东名册。自然人姓名、证件号、联系方式一律脱敏或用编号替代。\r\n- **能力边界（准确表述）**：本 Skill 的 `allowed-tools` 为空，未配置任何工具能力，**不具备读取本地文件、发起网络请求、写入数据库或调用外部接口的能力**。所谓\"不存储、不传输\"是指本 Skill 自身没有相应工具通道；用户在对话中提交的内容仍会按所在平台的会话策略处理，因此脱敏依然必要。\r\n- **产物先预览后使用**：生成的尽调报告、授信建议、评级结论先在对话中完整呈现，由信贷人员核对事实与口径、补充实地调查结论，**经确认并签字后再进入正式流程**。本 Skill 不代为提交任何信贷系统流程。\r\n- **不替代实地调查**：现场走访、押品勘察、访谈核证、外部数据核验等程序必须由客户经理线下完成，本 Skill 的结论不能作为其替代。\r\n\r\n### 银行监管最新动态 [2026-06-15更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 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 | 尽调模板需更新许可证信息核验（新金融许可证格式） |\r\n| 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 | Basel III下风险权重变化影响授信额度 |\r\n| 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 | 尽调需加强消费者权益保护评估 |\r\n| 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 | 信贷审批需考虑资本占用变化 |\r\n\r\n> **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\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 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 |\r\n| 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 |\r\n| 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 |\r\n\r\n> **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\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n### 信贷监管最新动态 [2026-09-16更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 | 本 Skill 对应动作 |\r\n|---------|---------|---------|---------|-----------------|\r\n| AI 风控 | 银行业保险业人工智能安全开发应用要求落地，信贷审批被列为 AI 高风险应用场景 | 2026-Q3 | 授信审批、风险评级、智能尽调 | Phase 5 新增\"AI 辅助结论的人工复核要求\"，模型输出不得作为唯一依据 |\r\n| 绿色金融 | 绿色信贷导向持续强化，绿色标签项目的认定与存续期管理要求趋严 | 2026-H1 | 绿色信贷、转型金融 | Phase 3 ESG 风险检查表新增\"绿色认定材料完备性\" |\r\n| 数据合规 | 网络与数据安全管理要求由指导意见升格为规章，客户数据在信贷流程中的采集与使用边界更明确 | 2026-Q3 | 尽调取证、外部数据采购 | 前置声明强调脱敏与最小必要；外部数据来源需合规 |\r\n| 房地产与平台 | 房地产融资协调机制与白名单口径动态调整 | 2026-H1 | 房企及上下游授信 | Phase 3 行业风险表新增政策资格核验行 |\r\n\r\n> **数据截止**: 2026-09-16 | 来源：国家金融监督管理总局、中国人民银行及行业公开信息整理\r\n> **声明**: 以上动态供参考，具体条款与名单口径**以官方最新发布为准**\r\n\r\n## Skill Overview\r\n\r\n### 0. 2024-2026 信贷风控最新监管动态\r\n\r\n| 时间 | 法规/动态 | 对信贷尽调的影响 | 尽调动作落点 |\r\n| :--- | :--- | :--- | :--- |\r\n| **2024年1月** | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 | Phase 3 行业风险定档需同步看资本占用 |\r\n| **2025年** | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 | Phase 3 ESG 风险检查表 |\r\n| **2025年** | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注\"白名单\"政策资格 | Phase 1 准入资格核验 |\r\n| **2025年** | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 | Phase 2 资产质量（应收） |\r\n| **2025年** | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 | Phase 3 资金流向核查 |\r\n| **2026年** | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 | Phase 5 授信结构可考虑绿色专项额度 |\r\n| **2026年6月** | AI 安全开发应用指导意见 | 信贷审批列为高风险场景，需人工复核与可追溯 | Phase 5 人工复核要求 |\r\n| **2026年** | 网络安全管理办法（规章制定计划） | 数据采集与使用边界更明确 | 前置数据最小化声明 |\r\n\r\n| Attribute | Value |\r\n| :--- | :--- |\r\n| **Skill Type** | Pure Conversation / Educational Reference |\r\n| **Target Users** | Bank credit officers, loan analysts, risk managers |\r\n| **Core Capability** | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |\r\n| **Industry** | Commercial banking, corporate lending, credit assessment, green finance |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**⚠️ 精确触发规则**：仅当用户明确提到银行信贷尽职调查、贷前尽调、信用分析等**与银行对公信贷直接相关**的需求时激活。\r\n\r\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入尽调分析模式：\r\n- \"您需要进行信贷尽职调查分析吗？\"\r\n- \"请注意：本技能仅供内部参考，不构成最终授信决策。确认继续？\"\r\n- 仅在用户明确确认后，才提供具体分析和报告模板\r\n\r\n**可直接激活**（精确匹配信贷尽调场景）：\r\n- 贷前尽调 / 信贷尽调 / 银行尽调 / 借款人分析\r\n- credit due diligence / borrower analysis / credit investigation\r\n\r\n**需用户确认**（可能与其他场景重叠的短语）：\r\n- 财务报表分析 / 财务健康检查 / financial health check\r\n- 行业风险评估 / 企业信用评级 / 授信建议\r\n- 尽调报告 / 信用分析 / credit analysis\r\n\r\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\r\n- 个人消费贷款 / 信用卡审批（请使用个贷相关工具）\r\n- 投资银行并购尽调（涉及投行业务，不在本技能范围内）\r\n- 法律合规意见（应咨询法务部门或外部律所）\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nSimply describe your credit investigation task. No scripts needed - just talk to me naturally.\r\n\r\n**Example prompts:**\r\n\r\n* \"帮我做一家制造业企业的贷前尽调\"\r\n* \"分析这家公司是否值得授信\"\r\n* \"生成一份完整的尽调报告模板\"\r\n* \"审查这家借款人的财务状况和行业风险\"\r\n* \"这家企业近三年营收增长但经营性现金流为负，帮我看看可能的原因\"（新增）\r\n* \"帮我梳理这个授信项目的早期预警指标和触发阈值\"（新增）\r\n\r\n---\r\n\r\n## Phase 1: Borrower Profile Analysis\r\n\r\n### Information to collect (I will guide you):\r\n\r\n**Basic Information:**\r\n\r\n* Company name, registration details, business years\r\n* Ownership structure and key shareholders\r\n* Management team background\r\n* Main business scope and revenue model\r\n\r\n**Operating Environment:**\r\n\r\n* Industry sector and position in value chain\r\n* Key customers and supplier concentration\r\n* Competitive landscape\r\n* Regulatory environment\r\n\r\n### Analysis Framework:\r\n\r\n| Dimension | Key Questions | 取证来源建议 | 典型预警信号 |\r\n| :--- | :--- | :--- | :--- |\r\n| Business Model | How does the company make money? Is the model sustainable? | 主营业务说明、收入构成表 | 主业不清晰、频繁变更经营范围 |\r\n| Market Position | Market share? Competitive advantages? Barriers to entry? | 行业协会数据、招投标记录 | 份额连续下滑、靠低价维持订单 |\r\n| Management Quality | Experience? Track record? Incentive alignment? | 履历、董事会纪要、股权激励安排 | 核心人员集中离职、实控人涉诉 |\r\n| Operating Efficiency | Revenue trends? Margin trends? Cash conversion cycle? | 三年一期报表、往来科目明细 | 收入增长但现金转化持续恶化 |\r\n| **股权与实际控制**（新增） | 是否存在代持、频繁股权转让、复杂嵌套？ | 工商档案、章程、股权穿透图 | 短期内多次变更实控人、大量股权质押 |\r\n\r\n**填写示例（新增）：**\r\n\r\n> **Dimension:** Market Position\r\n> **Key Questions:** 省内市场份额约 8%，排名第四；主要优势是本地交付响应快，但无核心技术壁垒。\r\n> **取证来源建议:** 行业协会年度报告、近两年中标公告\r\n> **典型预警信号:** 中标金额连续两年下降，且新进入者以低价抢单 → 判定为竞争加剧、议价能力走弱，需在 Phase 3 上调竞争强度档位。\r\n\r\n> **Dimension:** 股权与实际控制\r\n> **Key Questions:** 实控人通过两家持股平台间接持股 62%，其中一家平台股权已全部质押。\r\n> **取证来源:** 工商穿透、质押登记\r\n> **典型预警信号:** 高比例股权质押 → 触发实控人流动性风险关注，需在 Phase 5 追加\"质押率超限\"约束条款。\r\n\r\n---\r\n\r\n## Phase 2: Financial Statement Analysis\r\n\r\n### I will analyze:\r\n\r\n**1. Profitability**\r\n\r\n* Revenue growth trend (3-5 years)\r\n* Gross margin, operating margin, net margin trajectory\r\n* Revenue quality (recurring vs. one-time)\r\n* ROE, ROA decomposition\r\n\r\n**2. Capital Structure**\r\n\r\n* Debt-to-asset ratio\r\n* Short-term vs. long-term debt structure\r\n* Interest coverage ratio\r\n* Debt service coverage ratio (DSCR)\r\n\r\n**3. Liquidity**\r\n\r\n* Current ratio, quick ratio\r\n* Working capital cycle\r\n* Cash flow from operations (CFO)\r\n* Free cash flow quality\r\n\r\n**4. Asset Quality**\r\n\r\n* Accounts receivable aging\r\n* Inventory turnover\r\n* Fixed asset utilization\r\n* Related-party asset quality\r\n\r\n### Financial Ratio Summary Table:\r\n\r\n| Category | Ratio | Signals | 交叉验证方法（新增） |\r\n| :--- | :--- | :--- | :--- |\r\n| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger | 与同行中位数对比；看是否与毛利变动方向一致 |\r\n| Profitability | ROE | >15% competitive, <8% weak | 杜邦拆解，区分是杠杆驱动还是周转驱动 |\r\n| Leverage | D/E Ratio | Industry-dependent, >3x warning | 核对有无表外负债、明股实债、对外担保 |\r\n| Leverage | Interest Coverage | >3x comfortable, <1.5x danger | 用财务费用倒算有息负债规模，与报表借款核对 |\r\n| Liquidity | Current Ratio | >1.5x healthy, <1x risk | 剔除受限资金与一年以上难变现存货后重算 |\r\n| Liquidity | DSCR | >1.25x acceptable, <1x danger | 用 CFO 与到期债务本息逐期匹配 |\r\n| Efficiency | Cash Conversion | Decreasing = improving | 与应收、存货周转天数交叉验证 |\r\n| Asset Quality | AR Aging | >30% overdue = risk | 抽查前十大欠款方回款记录与合同账期 |\r\n| **盈利质量**（新增） | CFO / 净利润 | >1 较健康，持续 <0.6 需警惕 | 连续为负时重点核查收入确认与关联交易 |\r\n| **关联占用**（新增） | 其他应收款 / 总资产 | >10% 需重点说明 | 核查对手方是否为关联方及资金用途 |\r\n\r\n**盈利质量判读示例（新增）：**\r\n> 某企业近三年净利润分别为 2,800 / 3,500 / 4,200 万元，同期经营活动现金流净额为 1,900 / 900 / -600 万元。\r\n> → CFO/净利润 由 0.68 降至负值，属典型的\"增收不增现金\"。\r\n> → 建议核查：① 应收账款增速是否显著高于收入增速；② 是否存在放宽信用政策冲量；③ 收入确认时点是否前移。\r\n> → 结论：在现金流未改善前，不建议基于会计利润提高授信额度。\r\n\r\n---\r\n\r\n## Phase 3: Industry & Risk Assessment\r\n\r\n### Industry Risk Factors:\r\n\r\n| Risk Type | Assessment | 定档依据（新增） |\r\n| :--- | :--- | :--- |\r\n| Cyclicality | Highly cyclical / Moderate / Defensive | 近五年行业增速波动幅度、与宏观指标相关性 |\r\n| Regulatory Risk | Heavy regulation / Standard / Light | 是否属许可经营、近年监管文件数量与处罚密度 |\r\n| Technology Risk | Disruption prone / Stable / Growing | 研发投入占比、产品迭代周期、替代技术成熟度 |\r\n| Competition Intensity | Fragmented / Concentrated / Oligopoly | CR5 集中度、价格战频次、毛利率离散度 |\r\n| Supply Chain Risk | Stable supply / Concentration risk | 关键原材料供应商数量、进口依赖度、替代难度 |\r\n| **政策资格风险**（新增） | 需核验白名单/资质/补贴资格 | 是否在融资协调机制名单、专项支持目录内 |\r\n\r\n### Company-Specific Risk Checklist:\r\n\r\n* Customer concentration risk (>30% revenue from one customer)\r\n* Supplier concentration risk (>30% procurement from one supplier)\r\n* Key person risk (过度依赖创始人/核心管理层)\r\n* Legal/Litigation risk (未决诉讼、行政处罚)\r\n* Pledge/Mortgage risk (资产抵押情况)\r\n* Related-party transaction risk (关联交易规模和性质)\r\n* Off-balance sheet risk (表外负债、或有负债)\r\n* FX risk (外汇风险敞口)\r\n* ESG risk (环保合规、安全生产)\r\n* 绿色认定材料完备性（新增：绿色标签项目的认定文件、存续期报告是否齐备）\r\n* 数据合规风险（新增：客户数据采集与使用是否有合法基础，外部数据采购是否合规）\r\n\r\n**集中度风险判读示例（新增）：**\r\n> 前五大客户贡献收入 71%，其中第一大客户占 38%，且该客户为同集团关联方。\r\n> → 同时命中\"客户集中度\"与\"关联交易\"两项风险。\r\n> → 需追加：① 关联交易定价是否公允；② 第一大客户订单是否具有长期协议支撑；③ 若丢失该客户，收入与毛利的下滑幅度测算。\r\n> → 建议在 Phase 5 设置\"第一大客户流失\"作为专项早期预警指标。\r\n\r\n---\r\n\r\n## Phase 4: Investigation Report Generation\r\n\r\n### Standard Report Structure:\r\n\r\n```\r\n# 信贷尽职调查报告\r\n\r\n## 一、企业基本情况\r\n## 二、股权结构与管理层\r\n## 三、主营业务分析\r\n## 四、财务报表分析\r\n## 五、行业分析与竞争地位\r\n## 六、风险因素识别\r\n## 七、担保及增信措施\r\n## 八、综合评级与授信建议\r\n```\r\n\r\n**各章节写作要点（新增）：**\r\n\r\n| 章节 | 必须回答的问题 | 常见缺漏 |\r\n| :--- | :--- | :--- |\r\n| 一、企业基本情况 | 主体资格、经营年限、注册资本实缴情况 | 未核验最新营业执照与许可证有效期 |\r\n| 二、股权结构与管理层 | 实控人认定、股权质押、核心人员稳定性 | 未穿透至自然人、遗漏代持与一致行动安排 |\r\n| 三、主营业务分析 | 收入构成、盈利模式、客户与供应商集中度 | 只写业务范围，未给收入拆分与变动原因 |\r\n| 四、财务报表分析 | 三年一期趋势、异常科目解释、交叉验证结果 | 只罗列比率，未解释异常波动 |\r\n| 五、行业分析与竞争地位 | 行业定档、政策资格、竞争格局 | 缺少与同行的横向对比数据 |\r\n| 六、风险因素识别 | 逐项风险、发生概率、影响程度、缓释措施 | 只列风险不写缓释措施 |\r\n| 七、担保及增信措施 | 押品权属、估值、变现能力、保证人代偿能力 | 未核实押品是否已设定在先抵押 |\r\n| 八、综合评级与授信建议 | 评级依据、额度测算逻辑、前提条件 | 评级与前文风险描述脱节 |\r\n\r\n### Rating Methodology (5-tier):\r\n\r\n| Rating | Description | PD Range | Typical Indicators | 典型缓释要求（新增） |\r\n| :--- | :--- | :--- | :--- | :--- |\r\n| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage | 信用方式为主，年度复核 |\r\n| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk | 可接受保证担保，半年复核 |\r\n| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring | 建议抵质押或强保证，季度监控 |\r\n| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible | 需足值抵押+约束性条款，月度监控 |\r\n| C-D | Default | >20% | Near/default, restructuring or loss expected | 原则上不新增，仅考虑重组或压退 |\r\n\r\n---\r\n\r\n## Phase 5: Credit Facility Recommendation\r\n\r\n> **⚠️ 重要提示**：以下授信建议为**参考性框架**，实际授信决策须由银行信贷审批部门依据完整尽调材料、内部授权及监管要求独立作出。\r\n\r\nBased on the investigation, I will provide:\r\n\r\n1. **Recommended Credit Facility Structure**\r\n * Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)\r\n * Amount range\r\n * Tenor\r\n * Pricing guidance (based on rating)\r\n * Security/collateral requirements\r\n2. **Key Covenants to Include**\r\n * Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)\r\n * Information covenants (e.g., quarterly financials)\r\n * Negative pledge clauses\r\n * Change of control provisions\r\n3. **Early Warning Indicators to Monitor**\r\n * Specific metrics to track quarterly\r\n * Trigger thresholds\r\n * Escalation protocol\r\n4. **Recommendation Summary**\r\n5. **AI 辅助结论的人工复核要求**（新增）\r\n * 若本次分析使用了模型/系统生成的评级或额度建议，须由客户经理独立复算关键比率并签字确认\r\n * 评级下调或额度压缩须说明具体触发因素，不得仅引用系统结论\r\n * 全流程留痕：输入数据版本、分析结论、复核人、复核时间\r\n\r\n```\r\n┌─────────────────────────────────────────┐\r\n│ 综合评级: [AA-] │\r\n│ 建议授信额度: [5,000万元] │\r\n│ 建议授信类型: [流动资金贷款+银行承兑汇票] │\r\n│ 建议担保方式: [房产抵押+保证担保] │\r\n│ 主要关注事项: [客户集中度/行业周期性] │\r\n│ 复核频率: [季度监控] │\r\n└─────────────────────────────────────────┘\r\n```\r\n\r\n**授信建议示例 2 — 现金流转差的中型制造企业（新增）**\r\n```\r\n┌─────────────────────────────────────────┐\r\n│ 综合评级: [BB+] │\r\n│ 建议授信额度: [1,500万元（较上年压降）] │\r\n│ 建议授信类型: [流动资金贷款，分期提款] │\r\n│ 建议担保方式: [应收账款质押+实控人连带] │\r\n│ 主要关注事项: [CFO连续为负/应收账期拉长] │\r\n│ 约束条款: [DSCR≥1.2x；新增融资需审批] │\r\n│ 复核频率: [月度监控] │\r\n└─────────────────────────────────────────┘\r\n```\r\n> 说明：评级下调的核心依据是 CFO/净利润 连续三年下滑并转负，而非盈利能力本身；若下一报告期经营现金流回正且应收账期缩短，可申请复评。\r\n\r\n---\r\n\r\n## Quick Command Templates\r\n\r\n**Standard Investigation:**\r\n\r\n```\r\n分析[企业名称]，做贷前尽调：\r\n- 行业：[行业]\r\n- 收入规模：[X亿元]\r\n- 贷款金额：[X万元]\r\n- 贷款用途：[描述]\r\n- 担保方式：[信用/抵押/保证]\r\n```\r\n\r\n**Financial Health Check Only:**\r\n\r\n```\r\n审查[企业名称]近三年财务报表：\r\n[粘贴主要数据]\r\n```\r\n\r\n**Industry Risk Assessment Only:**\r\n\r\n```\r\n评估[行业]当前风险，识别行业下行期的预警信号\r\n```\r\n\r\n**Report Review:**\r\n\r\n```\r\n审查以下尽调报告草稿，识别遗漏和风险点：\r\n[粘贴报告内容]\r\n```\r\n\r\n**Cash Flow Quality Diagnostic（新增）：**\r\n\r\n```\r\n诊断[企业名称]的盈利质量：\r\n- 近三年净利润：[X/X/X万元]\r\n- 近三年经营活动现金流净额：[X/X/X万元]\r\n- 应收账款周转天数：[X/X/X天]\r\n- 请判断是否存在\"增收不增现金\"及可能原因\r\n```\r\n\r\n**Early Warning Setup（新增）：**\r\n\r\n```\r\n为已授信客户[企业编号]设计早期预警指标：\r\n- 当前评级：[评级]\r\n- 主要风险点：[描述]\r\n- 可获取的监控数据频率：[月度/季度]\r\n```\r\n\r\n---\r\n\r\n## Disclaimer / 免责声明\r\n\r\n> ⚠️ **最终信贷决策责任声明**\r\n> - This skill provides analytical support for credit investigation workflows\r\n> - Final credit decisions must be made by qualified bank officers in accordance with internal policies and regulatory requirements\r\n> - AI-generated analysis does not constitute final credit approval or rejection\r\n> - All reports should be reviewed, approved, and signed by authorized personnel before submission\r\n> - 本技能为**教育培训参考框架**，不构成最终授信审批或拒绝\r\n> - 所有尽调报告需经授权人员审核签字后方可提交\r\n> - 本 Skill 未配置任何工具（`allowed-tools: []`），不读取本地文件、不发起网络请求、不写入任何系统，也不代为提交信贷流程\n\nFile v4.1.2:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"bank-credit-due-diligence\",\n \"version\": \"4.1.2\",\n \"publishedAt\": 1789536622610\n}\n\nFile v4.1.2:skill-card.md\n\n## Description:\n\nProvides a bilingual advisory framework for bank credit officers, loan analysts, and risk managers to structure borrower due diligence, financial review, industry risk assessment, ESG checks, and credit investigation reports.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[gechengling](https://clawhub.ai/user/gechengling)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nBank credit officers, loan analysts, and risk managers use this skill to organize credit due diligence, assess borrower and financial risk, identify early warning indicators, and draft investigation report content. Its outputs support internal review but do not replace qualified credit approval, regulatory verification, or signed human review.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may enter borrower, financial, or personal data that is sensitive in a bank credit workflow.\n\nMitigation: Minimize inputs, de-identify personal information, and use real customer data only when the institution permits it and appropriate data protection controls are in place.\n\nRisk: Regulatory references or credit-risk guidance may be incomplete, outdated, or unsuitable for a specific institution.\n\nMitigation: Verify regulatory references against official sources and apply the institution's current policies before using generated analysis.\n\nRisk: Generated analysis could be mistaken for a final credit approval, rejection, rating, or facility decision.\n\nMitigation: Require qualified credit staff to review, recalculate key ratios, approve, and sign off before any report or recommendation enters a formal credit process.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-due-diligence)\n- [Publisher profile](https://clawhub.ai/user/gechengling)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Guidance]\n\n**Output Format:** [Markdown conversation output with report templates, checklists, tables, and advisory analysis]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Advisory-only output; no executable tools; requires human review before real-world use.]\n\n## Skill Version(s):\n\n4.1.2 (source: release metadata and SKILL.md frontmatter)\n\n## Ethical Considerations:\n\nUsers 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.\n\nArchive v4.1.1: 3 files, 7837 bytes\n\nFiles: skill-card.md (2332b), SKILL.md (13259b), _meta.json (144b)\n\nFile v4.1.1:SKILL.md\n\n---\r\nname: Bank Credit Due Diligence Assistant\r\nslug: bank-credit-due-diligence\r\nversion: 4.1.1\r\nallowed-tools: []\r\ncapabilities:\r\n - educational-reference\r\n - advisory-only\r\n - requires-human-review\r\n - no-executable-code\r\n---\r\n\r\n# Bank Credit Investigation Assistant / 银行信贷尽调助手\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **No executable code, scripts, or binaries are included in this skill**\r\n> - **No persistent storage, network calls, background execution, or credential collection**\r\n> - **All outputs are for reference only and require human review before real-world application**\r\n> - **This skill does NOT provide final credit approval or rejection decisions**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n>\r\n> **⚠️ 敏感数据处理警告**\r\n> - 本技能涉及**银行信贷尽调**场景，可能涉及借款人、财务信息、个人数据等高度敏感信息\r\n> - **请勿输入真实的客户个人身份信息（PII）**，除非您所在机构明确允许且有数据保护措施\r\n> - 本技能**不存储、不传输、不持久化**任何用户输入的数据\r\n> - 所有分析建议仅供内部参考，最终信贷决策必须由持牌银行人员依据内部政策和监管要求作出\r\n> - 生成的调查报告需经授权人员审核签字后方可提交\r\n\r\n### 银行监管最新动态 [2026-06-15更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 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 | 尽调模板需更新许可证信息核验（新金融许可证格式） |\r\n| 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 | Basel III下风险权重变化影响授信额度 |\r\n| 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 | 尽调需加强消费者权益保护评估 |\r\n| 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 | 信贷审批需考虑资本占用变化 |\r\n\r\n> **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\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 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 |\r\n| 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 |\r\n| 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 |\r\n\r\n> **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\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n## Skill Overview\r\n\r\n### 0. 2024-2026 信贷风控最新监管动态\r\n\r\n| 时间 | 法规/动态 | 对信贷尽调的影响 |\r\n| :--- | :--- | :--- |\r\n| **2024年1月** | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 |\r\n| **2025年** | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 |\r\n| **2025年** | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注\"白名单\"政策资格 |\r\n| **2025年** | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 |\r\n| **2025年** | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 |\r\n| **2026年** | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 |\r\n\r\n| Attribute | Value |\r\n| :--- | :--- |\r\n| **Skill Type** | Pure Conversation / Educational Reference |\r\n| **Target Users** | Bank credit officers, loan analysts, risk managers |\r\n| **Core Capability** | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |\r\n| **Industry** | Commercial banking, corporate lending, credit assessment, green finance |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**⚠️ 精确触发规则**：仅当用户明确提到银行信贷尽职调查、贷前尽调、信用分析等**与银行对公信贷直接相关**的需求时激活。\r\n\r\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入尽调分析模式：\r\n- \"您需要进行信贷尽职调查分析吗？\"\r\n- \"请注意：本技能仅供内部参考，不构成最终授信决策。确认继续？\"\r\n- 仅在用户明确确认后，才提供具体分析和报告模板\r\n\r\n**可直接激活**（精确匹配信贷尽调场景）：\r\n- 贷前尽调 / 信贷尽调 / 银行尽调 / 借款人分析\r\n- credit due diligence / borrower analysis / credit investigation\r\n\r\n**需用户确认**（可能与其他场景重叠的短语）：\r\n- 财务报表分析 / 财务健康检查 / financial health check\r\n- 行业风险评估 / 企业信用评级 / 授信建议\r\n- 尽调报告 / 信用分析 / credit analysis\r\n\r\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\r\n- 个人消费贷款 / 信用卡审批（请使用个贷相关工具）\r\n- 投资银行并购尽调（涉及投行业务，不在本技能范围内）\r\n- 法律合规意见（应咨询法务部门或外部律所）\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nSimply describe your credit investigation task. No scripts needed - just talk to me naturally.\r\n\r\n**Example prompts:**\r\n\r\n* \"帮我做一家制造业企业的贷前尽调\"\r\n* \"分析这家公司是否值得授信\"\r\n* \"生成一份完整的尽调报告模板\"\r\n* \"审查这家借款人的财务状况和行业风险\"\r\n\r\n---\r\n\r\n## Phase 1: Borrower Profile Analysis\r\n\r\n### Information to collect (I will guide you):\r\n\r\n**Basic Information:**\r\n\r\n* Company name, registration details, business years\r\n* Ownership structure and key shareholders\r\n* Management team background\r\n* Main business scope and revenue model\r\n\r\n**Operating Environment:**\r\n\r\n* Industry sector and position in value chain\r\n* Key customers and supplier concentration\r\n* Competitive landscape\r\n* Regulatory environment\r\n\r\n### Analysis Framework:\r\n\r\n| Dimension | Key Questions |\r\n| :--- | :--- |\r\n| Business Model | How does the company make money? Is the model sustainable? |\r\n| Market Position | Market share? Competitive advantages? Barriers to entry? |\r\n| Management Quality | Experience? Track record? Incentive alignment? |\r\n| Operating Efficiency | Revenue trends? Margin trends? Cash conversion cycle? |\r\n\r\n---\r\n\r\n## Phase 2: Financial Statement Analysis\r\n\r\n### I will analyze:\r\n\r\n**1. Profitability**\r\n\r\n* Revenue growth trend (3-5 years)\r\n* Gross margin, operating margin, net margin trajectory\r\n* Revenue quality (recurring vs. one-time)\r\n* ROE, ROA decomposition\r\n\r\n**2. Capital Structure**\r\n\r\n* Debt-to-asset ratio\r\n* Short-term vs. long-term debt structure\r\n* Interest coverage ratio\r\n* Debt service coverage ratio (DSCR)\r\n\r\n**3. Liquidity**\r\n\r\n* Current ratio, quick ratio\r\n* Working capital cycle\r\n* Cash flow from operations (CFO)\r\n* Free cash flow quality\r\n\r\n**4. Asset Quality**\r\n\r\n* Accounts receivable aging\r\n* Inventory turnover\r\n* Fixed asset utilization\r\n* Related-party asset quality\r\n\r\n### Financial Ratio Summary Table:\r\n\r\n| Category | Ratio | Signals |\r\n| :--- | :--- | :--- |\r\n| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger |\r\n| Profitability | ROE | >15% competitive, <8% weak |\r\n| Leverage | D/E Ratio | Industry-dependent, >3x warning |\r\n| Leverage | Interest Coverage | >3x comfortable, <1.5x danger |\r\n| Liquidity | Current Ratio | >1.5x healthy, <1x risk |\r\n| Liquidity | DSCR | >1.25x acceptable, <1x danger |\r\n| Efficiency | Cash Conversion | Decreasing = improving |\r\n| Asset Quality | AR Aging | >30% overdue = risk |\r\n\r\n---\r\n\r\n## Phase 3: Industry & Risk Assessment\r\n\r\n### Industry Risk Factors:\r\n\r\n| Risk Type | Assessment |\r\n| :--- | :--- |\r\n| Cyclicality | Highly cyclical / Moderate / Defensive |\r\n| Regulatory Risk | Heavy regulation / Standard / Light |\r\n| Technology Risk | Disruption prone / Stable / Growing |\r\n| Competition Intensity | Fragmented / Concentrated / Oligopoly |\r\n| Supply Chain Risk | Stable supply / Concentration risk |\r\n\r\n### Company-Specific Risk Checklist:\r\n\r\n* Customer concentration risk (>30% revenue from one customer)\r\n* Supplier concentration risk (>30% procurement from one supplier)\r\n* Key person risk (过度依赖创始人/核心管理层)\r\n* Legal/Litigation risk (未决诉讼、行政处罚)\r\n* Pledge/Mortgage risk (资产抵押情况)\r\n* Related-party transaction risk (关联交易规模和性质)\r\n* Off-balance sheet risk (表外负债、或有负债)\r\n* FX risk (外汇风险敞口)\r\n* ESG risk (环保合规、安全生产)\r\n\r\n---\r\n\r\n## Phase 4: Investigation Report Generation\r\n\r\n### Standard Report Structure:\r\n\r\n```\r\n# 信贷尽职调查报告\r\n\r\n## 一、企业基本情况\r\n## 二、股权结构与管理层\r\n## 三、主营业务分析\r\n## 四、财务报表分析\r\n## 五、行业分析与竞争地位\r\n## 六、风险因素识别\r\n## 七、担保及增信措施\r\n## 八、综合评级与授信建议\r\n```\r\n\r\n### Rating Methodology (5-tier):\r\n\r\n| Rating | Description | PD Range | Typical Indicators |\r\n| :--- | :--- | :--- | :--- |\r\n| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage |\r\n| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk |\r\n| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring |\r\n| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible |\r\n| C-D | Default | >20% | Near/default, restructuring or loss expected |\r\n\r\n---\r\n\r\n## Phase 5: Credit Facility Recommendation\r\n\r\n> **⚠️ 重要提示**：以下授信建议为**参考性框架**，实际授信决策须由银行信贷审批部门依据完整尽调材料、内部授权及监管要求独立作出。\r\n\r\nBased on the investigation, I will provide:\r\n\r\n1. **Recommended Credit Facility Structure**\r\n * Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)\r\n * Amount range\r\n * Tenor\r\n * Pricing guidance (based on rating)\r\n * Security/collateral requirements\r\n2. **Key Covenants to Include**\r\n * Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)\r\n * Information covenants (e.g., quarterly financials)\r\n * Negative pledge clauses\r\n * Change of control provisions\r\n3. **Early Warning Indicators to Monitor**\r\n * Specific metrics to track quarterly\r\n * Trigger thresholds\r\n * Escalation protocol\r\n4. **Recommendation Summary**\r\n\r\n```\r\n┌─────────────────────────────────────────┐\r\n│ 综合评级: [AA-] │\r\n│ 建议授信额度: [5,000万元] │\r\n│ 建议授信类型: [流动资金贷款+银行承兑汇票] │\r\n│ 建议担保方式: [房产抵押+保证担保] │\r\n│ 主要关注事项: [客户集中度/行业周期性] │\r\n│ 复核频率: [季度监控] │\r\n└─────────────────────────────────────────┘\r\n```\r\n\r\n---\r\n\r\n## Quick Command Templates\r\n\r\n**Standard Investigation:**\r\n\r\n```\r\n分析[企业名称]，做贷前尽调：\r\n- 行业：[行业]\r\n- 收入规模：[X亿元]\r\n- 贷款金额：[X万元]\r\n- 贷款用途：[描述]\r\n- 担保方式：[信用/抵押/保证]\r\n```\r\n\r\n**Financial Health Check Only:**\r\n\r\n```\r\n审查[企业名称]近三年财务报表：\r\n[粘贴主要数据]\r\n```\r\n\r\n**Industry Risk Assessment Only:**\r\n\r\n```\r\n评估[行业]当前风险，识别行业下行期的预警信号\r\n```\r\n\r\n**Report Review:**\r\n\r\n```\r\n审查以下尽调报告草稿，识别遗漏和风险点：\r\n[粘贴报告内容]\r\n```\r\n\r\n---\r\n\r\n## Disclaimer / 免责声明\r\n\r\n> ⚠️ **最终信贷决策责任声明**\r\n> - This skill provides analytical support for credit investigation workflows\r\n> - Final credit decisions must be made by qualified bank officers in accordance with internal policies and regulatory requirements\r\n> - AI-generated analysis does not constitute final credit approval or rejection\r\n> - All reports should be reviewed, approved, and signed by authorized personnel before submission\r\n> - 本技能为**教育培训参考框架**，不构成最终授信审批或拒绝\r\n> - 所有尽调报告需经授权人员审核签字后方可提交\n\nFile v4.1.1:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"bank-credit-due-diligence\",\n \"version\": \"4.1.1\",\n \"publishedAt\": 1782652258907\n}\n\nFile v4.1.1:skill-card.md\n\n## Description:
\nAI assistant for bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and investigation report drafting.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nBank credit officers, loan analysts, and risk managers use this skill as an internal analytical framework for borrower due diligence, financial health review, industry and ESG risk assessment, and report drafting. It supports analysis and templates but does not make final credit approval or rejection decisions.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: Credit due diligence is a high-stakes banking workflow, and generated ratings, facility amounts, pricing guidance, collateral suggestions, or report text could be mistaken for final lending decisions.
\nMitigation: Use the skill only as an advisory aid for trained credit staff, and require formal policy review plus authorized approval before relying on outputs for lending action.
\nRisk: Borrower analysis may involve customer PII, confidential financial data, or other sensitive banking information.
\nMitigation: Do not enter real customer PII or confidential borrower data unless the institution permits it and appropriate data protection controls are in place.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-due-diligence)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Conversational guidance and Markdown-style report templates]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [No executable code, shell commands, persistent storage, network calls, or credential collection are included in the artifact.]
\n\n## Skill Version(s):
\n4.1.1 (source: SKILL.md frontmatter and server release metadata)
\n\n## Ethical Considerations:
\nUsers 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.
\n\nArchive v4.1.0: 3 files, 7592 bytes\n\nFiles: skill-card.md (2696b), SKILL.md (11923b), _meta.json (144b)\n\nFile v4.1.0:SKILL.md\n\n---\nname: Bank Credit Due Diligence Assistant\nslug: bank-credit-due-diligence\nversion: 4.1.0\nallowed-tools: []\ncapabilities:\n - educational-reference\n - advisory-only\n - requires-human-review\n - no-executable-code\n---\n\n# Bank Credit Investigation Assistant / 银行信贷尽调助手\n\n> **⚠️ SECURITY NOTICE / 安全声明**\n> - **Type:** Educational reference / analytical framework ONLY\n> - **No executable code, scripts, or binaries are included in this skill**\n> - **No persistent storage, network calls, background execution, or credential collection**\n> - **All outputs are for reference only and require human review before real-world application**\n> - **This skill does NOT provide final credit approval or rejection decisions**\n> - **Users must exercise their own judgment and consult qualified professionals**\n>\n> **⚠️ 敏感数据处理警告**\n> - 本技能涉及**银行信贷尽调**场景，可能涉及借款人、财务信息、个人数据等高度敏感信息\n> - **请勿输入真实的客户个人身份信息（PII）**，除非您所在机构明确允许且有数据保护措施\n> - 本技能**不存储、不传输、不持久化**任何用户输入的数据\n> - 所有分析建议仅供内部参考，最终信贷决策必须由持牌银行人员依据内部政策和监管要求作出\n> - 生成的调查报告需经授权人员审核签字后方可提交\n\n### 银行监管最新动态 [2026-06-15更新]\n\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\n|---------|---------|---------|---------|\n| 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 | 尽调模板需更新许可证信息核验（新金融许可证格式） |\n| 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 | Basel III下风险权重变化影响授信额度 |\n| 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 | 尽调需加强消费者权益保护评估 |\n| 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 | 信贷审批需考虑资本占用变化 |\n\n> **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\n> **声明**: 以上动态供参考，具体以官方最新发布为准\n\n## Skill Overview\n\n### 0. 2024-2026 信贷风控最新监管动态\n\n| 时间 | 法规/动态 | 对信贷尽调的影响 |\n| :--- | :--- | :--- |\n| **2024年1月** | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 |\n| **2025年** | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 |\n| **2025年** | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注\"白名单\"政策资格 |\n| **2025年** | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 |\n| **2025年** | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 |\n| **2026年** | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 |\n\n| Attribute | Value |\n| :--- | :--- |\n| **Skill Type** | Pure Conversation / Educational Reference |\n| **Target Users** | Bank credit officers, loan analysts, risk managers |\n| **Core Capability** | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |\n| **Industry** | Commercial banking, corporate lending, credit assessment, green finance |\n\n---\n\n## Trigger Keywords / 触发关键词\n\n**⚠️ 精确触发规则**：仅当用户明确提到银行信贷尽职调查、贷前尽调、信用分析等**与银行对公信贷直接相关**的需求时激活。\n\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入尽调分析模式：\n- \"您需要进行信贷尽职调查分析吗？\"\n- \"请注意：本技能仅供内部参考，不构成最终授信决策。确认继续？\"\n- 仅在用户明确确认后，才提供具体分析和报告模板\n\n**可直接激活**（精确匹配信贷尽调场景）：\n- 贷前尽调 / 信贷尽调 / 银行尽调 / 借款人分析\n- credit due diligence / borrower analysis / credit investigation\n\n**需用户确认**（可能与其他场景重叠的短语）：\n- 财务报表分析 / 财务健康检查 / financial health check\n- 行业风险评估 / 企业信用评级 / 授信建议\n- 尽调报告 / 信用分析 / credit analysis\n\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\n- 个人消费贷款 / 信用卡审批（请使用个贷相关工具）\n- 投资银行并购尽调（涉及投行业务，不在本技能范围内）\n- 法律合规意见（应咨询法务部门或外部律所）\n\n---\n\n## How to Use\n\nSimply describe your credit investigation task. No scripts needed - just talk to me naturally.\n\n**Example prompts:**\n\n* \"帮我做一家制造业企业的贷前尽调\"\n* \"分析这家公司是否值得授信\"\n* \"生成一份完整的尽调报告模板\"\n* \"审查这家借款人的财务状况和行业风险\"\n\n---\n\n## Phase 1: Borrower Profile Analysis\n\n### Information to collect (I will guide you):\n\n**Basic Information:**\n\n* Company name, registration details, business years\n* Ownership structure and key shareholders\n* Management team background\n* Main business scope and revenue model\n\n**Operating Environment:**\n\n* Industry sector and position in value chain\n* Key customers and supplier concentration\n* Competitive landscape\n* Regulatory environment\n\n### Analysis Framework:\n\n| Dimension | Key Questions |\n| :--- | :--- |\n| Business Model | How does the company make money? Is the model sustainable? |\n| Market Position | Market share? Competitive advantages? Barriers to entry? |\n| Management Quality | Experience? Track record? Incentive alignment? |\n| Operating Efficiency | Revenue trends? Margin trends? Cash conversion cycle? |\n\n---\n\n## Phase 2: Financial Statement Analysis\n\n### I will analyze:\n\n**1. Profitability**\n\n* Revenue growth trend (3-5 years)\n* Gross margin, operating margin, net margin trajectory\n* Revenue quality (recurring vs. one-time)\n* ROE, ROA decomposition\n\n**2. Capital Structure**\n\n* Debt-to-asset ratio\n* Short-term vs. long-term debt structure\n* Interest coverage ratio\n* Debt service coverage ratio (DSCR)\n\n**3. Liquidity**\n\n* Current ratio, quick ratio\n* Working capital cycle\n* Cash flow from operations (CFO)\n* Free cash flow quality\n\n**4. Asset Quality**\n\n* Accounts receivable aging\n* Inventory turnover\n* Fixed asset utilization\n* Related-party asset quality\n\n### Financial Ratio Summary Table:\n\n| Category | Ratio | Signals |\n| :--- | :--- | :--- |\n| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger |\n| Profitability | ROE | >15% competitive, <8% weak |\n| Leverage | D/E Ratio | Industry-dependent, >3x warning |\n| Leverage | Interest Coverage | >3x comfortable, <1.5x danger |\n| Liquidity | Current Ratio | >1.5x healthy, <1x risk |\n| Liquidity | DSCR | >1.25x acceptable, <1x danger |\n| Efficiency | Cash Conversion | Decreasing = improving |\n| Asset Quality | AR Aging | >30% overdue = risk |\n\n---\n\n## Phase 3: Industry & Risk Assessment\n\n### Industry Risk Factors:\n\n| Risk Type | Assessment |\n| :--- | :--- |\n| Cyclicality | Highly cyclical / Moderate / Defensive |\n| Regulatory Risk | Heavy regulation / Standard / Light |\n| Technology Risk | Disruption prone / Stable / Growing |\n| Competition Intensity | Fragmented / Concentrated / Oligopoly |\n| Supply Chain Risk | Stable supply / Concentration risk |\n\n### Company-Specific Risk Checklist:\n\n* Customer concentration risk (>30% revenue from one customer)\n* Supplier concentration risk (>30% procurement from one supplier)\n* Key person risk (过度依赖创始人/核心管理层)\n* Legal/Litigation risk (未决诉讼、行政处罚)\n* Pledge/Mortgage risk (资产抵押情况)\n* Related-party transaction risk (关联交易规模和性质)\n* Off-balance sheet risk (表外负债、或有负债)\n* FX risk (外汇风险敞口)\n* ESG risk (环保合规、安全生产)\n\n---\n\n## Phase 4: Investigation Report Generation\n\n### Standard Report Structure:\n\n```\n# 信贷尽职调查报告\n\n## 一、企业基本情况\n## 二、股权结构与管理层\n## 三、主营业务分析\n## 四、财务报表分析\n## 五、行业分析与竞争地位\n## 六、风险因素识别\n## 七、担保及增信措施\n## 八、综合评级与授信建议\n```\n\n### Rating Methodology (5-tier):\n\n| Rating | Description | PD Range | Typical Indicators |\n| :--- | :--- | :--- | :--- |\n| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage |\n| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk |\n| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring |\n| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible |\n| C-D | Default | >20% | Near/default, restructuring or loss expected |\n\n---\n\n## Phase 5: Credit Facility Recommendation\n\n> **⚠️ 重要提示**：以下授信建议为**参考性框架**，实际授信决策须由银行信贷审批部门依据完整尽调材料、内部授权及监管要求独立作出。\n\nBased on the investigation, I will provide:\n\n1. **Recommended Credit Facility Structure**\n * Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)\n * Amount range\n * Tenor\n * Pricing guidance (based on rating)\n * Security/collateral requirements\n2. **Key Covenants to Include**\n * Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)\n * Information covenants (e.g., quarterly financials)\n * Negative pledge clauses\n * Change of control provisions\n3. **Early Warning Indicators to Monitor**\n * Specific metrics to track quarterly\n * Trigger thresholds\n * Escalation protocol\n4. **Recommendation Summary**\n\n```\n┌─────────────────────────────────────────┐\n│ 综合评级: [AA-] │\n│ 建议授信额度: [5,000万元] │\n│ 建议授信类型: [流动资金贷款+银行承兑汇票] │\n│ 建议担保方式: [房产抵押+保证担保] │\n│ 主要关注事项: [客户集中度/行业周期性] │\n│ 复核频率: [季度监控] │\n└─────────────────────────────────────────┘\n```\n\n---\n\n## Quick Command Templates\n\n**Standard Investigation:**\n\n```\n分析[企业名称]，做贷前尽调：\n- 行业：[行业]\n- 收入规模：[X亿元]\n- 贷款金额：[X万元]\n- 贷款用途：[描述]\n- 担保方式：[信用/抵押/保证]\n```\n\n**Financial Health Check Only:**\n\n```\n审查[企业名称]近三年财务报表：\n[粘贴主要数据]\n```\n\n**Industry Risk Assessment Only:**\n\n```\n评估[行业]当前风险，识别行业下行期的预警信号\n```\n\n**Report Review:**\n\n```\n审查以下尽调报告草稿，识别遗漏和风险点：\n[粘贴报告内容]\n```\n\n---\n\n## Disclaimer / 免责声明\n\n> ⚠️ **最终信贷决策责任声明**\n> - This skill provides analytical support for credit investigation workflows\n> - Final credit decisions must be made by qualified bank officers in accordance with internal policies and regulatory requirements\n> - AI-generated analysis does not constitute final credit approval or rejection\n> - All reports should be reviewed, approved, and signed by authorized personnel before submission\n> - 本技能为**教育培训参考框架**，不构成最终授信审批或拒绝\n> - 所有尽调报告需经授权人员审核签字后方可提交\n\nFile v4.1.0:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"bank-credit-due-diligence\",\n \"version\": \"4.1.0\",\n \"publishedAt\": 1781504295511\n}\n\nFile v4.1.0:skill-card.md\n\n## Description:
\nBank Credit Due Diligence helps bank credit officers, loan analysts, and risk managers structure borrower analysis, financial review, industry risk assessment, ESG review, and due diligence report drafting.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nBank credit and risk teams use this skill to organize corporate credit due diligence, review borrower financial and operating risks, and draft investigation report sections. It is advisory only and requires qualified human review before lending decisions or formal submissions.
\n\n### Deployment Geography for Use:
\nGlobal, with China-focused regulatory examples and Basel III references
\n\n## Known Risks and Mitigations:
\nRisk: Users may treat generated credit analysis or facility recommendations as final lending decisions.
\nMitigation: Require qualified bank officers to review all analysis, ratings, assumptions, and recommendations against internal policy and regulatory requirements before use.
\nRisk: Prompts for borrower analysis may involve confidential borrower data, financial records, or personal information.
\nMitigation: Do not paste confidential borrower data or PII unless the organization permits that use and appropriate data protection controls are in place.
\nRisk: Regulatory references, financial assumptions, or industry thresholds may be outdated or incomplete for a specific transaction.
\nMitigation: Verify regulatory references, financial inputs, rating conclusions, and facility terms against current official sources and internal credit policy.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/gechengling/bank-credit-due-diligence)
\n- [ClawHub publisher profile](https://clawhub.ai/user/gechengling)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Markdown and structured prose with tables, checklists, templates, and advisory recommendations]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [Outputs are reference material for human review and should not be treated as automated credit approval or rejection.]
\n\n## Skill Version(s):
\n4.1.0 (source: server release evidence and SKILL.md frontmatter)
\n\n## Ethical Considerations:
\nUsers 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.
\n\nArchive v4.0.1: 3 files, 7081 bytes\n\nFiles: skill-card.md (2486b), SKILL.md (10937b), _meta.json (144b)\n\nFile v4.0.1:SKILL.md\n\n---\nname: Bank Credit Due Diligence Assistant\nslug: bank-credit-due-diligence\nversion: 4.0.1\nallowed-tools: []\ncapabilities:\n - educational-reference\n - advisory-only\n - requires-human-review\n - no-executable-code\n---\n\n# Bank Credit Investigation Assistant / 银行信贷尽调助手\n\n> **⚠️ SECURITY NOTICE / 安全声明**\n> - **Type:** Educational reference / analytical framework ONLY\n> - **No executable code, scripts, or binaries are included in this skill**\n> - **No persistent storage, network calls, background execution, or credential collection**\n> - **All outputs are for reference only and require human review before real-world application**\n> - **This skill does NOT provide final credit approval or rejection decisions**\n> - **Users must exercise their own judgment and consult qualified professionals**\n>\n> **⚠️ 敏感数据处理警告**\n> - 本技能涉及**银行信贷尽调**场景，可能涉及借款人、财务信息、个人数据等高度敏感信息\n> - **请勿输入真实的客户个人身份信息（PII）**，除非您所在机构明确允许且有数据保护措施\n> - 本技能**不存储、不传输、不持久化**任何用户输入的数据\n> - 所有分析建议仅供内部参考，最终信贷决策必须由持牌银行人员依据内部政策和监管要求作出\n> - 生成的调查报告需经授权人员审核签字后方可提交\n\n## Skill Overview\n\n### 0. 2024-2026 信贷风控最新监管动态\n\n| 时间 | 法规/动态 | 对信贷尽调的影响 |\n| :--- | :--- | :--- |\n| **2024年1月** | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 |\n| **2025年** | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 |\n| **2025年** | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注\"白名单\"政策资格 |\n| **2025年** | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 |\n| **2025年** | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 |\n| **2026年** | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 |\n\n| Attribute | Value |\n| :--- | :--- |\n| **Skill Type** | Pure Conversation / Educational Reference |\n| **Target Users** | Bank credit officers, loan analysts, risk managers |\n| **Core Capability** | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |\n| **Industry** | Commercial banking, corporate lending, credit assessment, green finance |\n\n---\n\n## Trigger Keywords / 触发关键词\n\n**⚠️ 精确触发规则**：仅当用户明确提到银行信贷尽职调查、贷前尽调、信用分析等**与银行对公信贷直接相关**的需求时激活。\n\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入尽调分析模式：\n- \"您需要进行信贷尽职调查分析吗？\"\n- \"请注意：本技能仅供内部参考，不构成最终授信决策。确认继续？\"\n- 仅在用户明确确认后，才提供具体分析和报告模板\n\n**可直接激活**（精确匹配信贷尽调场景）：\n- 贷前尽调 / 信贷尽调 / 银行尽调 / 借款人分析\n- credit due diligence / borrower analysis / credit investigation\n\n**需用户确认**（可能与其他场景重叠的短语）：\n- 财务报表分析 / 财务健康检查 / financial health check\n- 行业风险评估 / 企业信用评级 / 授信建议\n- 尽调报告 / 信用分析 / credit analysis\n\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\n- 个人消费贷款 / 信用卡审批（请使用个贷相关工具）\n- 投资银行并购尽调（涉及投行业务，不在本技能范围内）\n- 法律合规意见（应咨询法务部门或外部律所）\n\n---\n\n## How to Use\n\nSimply describe your credit investigation task. No scripts needed - just talk to me naturally.\n\n**Example prompts:**\n\n* \"帮我做一家制造业企业的贷前尽调\"\n* \"分析这家公司是否值得授信\"\n* \"生成一份完整的尽调报告模板\"\n* \"审查这家借款人的财务状况和行业风险\"\n\n---\n\n## Phase 1: Borrower Profile Analysis\n\n### Information to collect (I will guide you):\n\n**Basic Information:**\n\n* Company name, registration details, business years\n* Ownership structure and key shareholders\n* Management team background\n* Main business scope and revenue model\n\n**Operating Environment:**\n\n* Industry sector and position in value chain\n* Key customers and supplier concentration\n* Competitive landscape\n* Regulatory environment\n\n### Analysis Framework:\n\n| Dimension | Key Questions |\n| :--- | :--- |\n| Business Model | How does the company make money? Is the model sustainable? |\n| Market Position | Market share? Competitive advantages? Barriers to entry? |\n| Management Quality | Experience? Track record? Incentive alignment? |\n| Operating Efficiency | Revenue trends? Margin trends? Cash conversion cycle? |\n\n---\n\n## Phase 2: Financial Statement Analysis\n\n### I will analyze:\n\n**1. Profitability**\n\n* Revenue growth trend (3-5 years)\n* Gross margin, operating margin, net margin trajectory\n* Revenue quality (recurring vs. one-time)\n* ROE, ROA decomposition\n\n**2. Capital Structure**\n\n* Debt-to-asset ratio\n* Short-term vs. long-term debt structure\n* Interest coverage ratio\n* Debt service coverage ratio (DSCR)\n\n**3. Liquidity**\n\n* Current ratio, quick ratio\n* Working capital cycle\n* Cash flow from operations (CFO)\n* Free cash flow quality\n\n**4. Asset Quality**\n\n* Accounts receivable aging\n* Inventory turnover\n* Fixed asset utilization\n* Related-party asset quality\n\n### Financial Ratio Summary Table:\n\n| Category | Ratio | Signals |\n| :--- | :--- | :--- |\n| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger |\n| Profitability | ROE | >15% competitive, <8% weak |\n| Leverage | D/E Ratio | Industry-dependent, >3x warning |\n| Leverage | Interest Coverage | >3x comfortable, <1.5x danger |\n| Liquidity | Current Ratio | >1.5x healthy, <1x risk |\n| Liquidity | DSCR | >1.25x acceptable, <1x danger |\n| Efficiency | Cash Conversion | Decreasing = improving |\n| Asset Quality | AR Aging | >30% overdue = risk |\n\n---\n\n## Phase 3: Industry & Risk Assessment\n\n### Industry Risk Factors:\n\n| Risk Type | Assessment |\n| :--- | :--- |\n| Cyclicality | Highly cyclical / Moderate / Defensive |\n| Regulatory Risk | Heavy regulation / Standard / Light |\n| Technology Risk | Disruption prone / Stable / Growing |\n| Competition Intensity | Fragmented / Concentrated / Oligopoly |\n| Supply Chain Risk | Stable supply / Concentration risk |\n\n### Company-Specific Risk Checklist:\n\n* Customer concentration risk (>30% revenue from one customer)\n* Supplier concentration risk (>30% procurement from one supplier)\n* Key person risk (过度依赖创始人/核心管理层)\n* Legal/Litigation risk (未决诉讼、行政处罚)\n* Pledge/Mortgage risk (资产抵押情况)\n* Related-party transaction risk (关联交易规模和性质)\n* Off-balance sheet risk (表外负债、或有负债)\n* FX risk (外汇风险敞口)\n* ESG risk (环保合规、安全生产)\n\n---\n\n## Phase 4: Investigation Report Generation\n\n### Standard Report Structure:\n\n```\n# 信贷尽职调查报告\n\n## 一、企业基本情况\n## 二、股权结构与管理层\n## 三、主营业务分析\n## 四、财务报表分析\n## 五、行业分析与竞争地位\n## 六、风险因素识别\n## 七、担保及增信措施\n## 八、综合评级与授信建议\n```\n\n### Rating Methodology (5-tier):\n\n| Rating | Description | PD Range | Typical Indicators |\n| :--- | :--- | :--- | :--- |\n| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage |\n| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk |\n| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring |\n| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible |\n| C-D | Default | >20% | Near/default, restructuring or loss expected |\n\n---\n\n## Phase 5: Credit Facility Recommendation\n\n> **⚠️ 重要提示**：以下授信建议为**参考性框架**，实际授信决策须由银行信贷审批部门依据完整尽调材料、内部授权及监管要求独立作出。\n\nBased on the investigation, I will provide:\n\n1. **Recommended Credit Facility Structure**\n * Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)\n * Amount range\n * Tenor\n * Pricing guidance (based on rating)\n * Security/collateral requirements\n2. **Key Covenants to Include**\n * Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)\n * Information covenants (e.g., quarterly financials)\n * Negative pledge clauses\n * Change of control provisions\n3. **Early Warning Indicators to Monitor**\n * Specific metrics to track quarterly\n * Trigger thresholds\n * Escalation protocol\n4. **Recommendation Summary**\n\n```\n┌─────────────────────────────────────────┐\n│ 综合评级: [AA-] │\n│ 建议授信额度: [5,000万元] │\n│ 建议授信类型: [流动资金贷款+银行承兑汇票] │\n│ 建议担保方式: [房产抵押+保证担保] │\n│ 主要关注事项: [客户集中度/行业周期性] │\n│ 复核频率: [季度监控] │\n└─────────────────────────────────────────┘\n```\n\n---\n\n## Quick Command Templates\n\n**Standard Investigation:**\n\n```\n分析[企业名称]，做贷前尽调：\n- 行业：[行业]\n- 收入规模：[X亿元]\n- 贷款金额：[X万元]\n- 贷款用途：[描述]\n- 担保方式：[信用/抵押/保证]\n```\n\n**Financial Health Check Only:**\n\n```\n审查[企业名称]近三年财务报表：\n[粘贴主要数据]\n```\n\n**Industry Risk Assessment Only:**\n\n```\n评估[行业]当前风险，识别行业下行期的预警信号\n```\n\n**Report Review:**\n\n```\n审查以下尽调报告草稿，识别遗漏和风险点：\n[粘贴报告内容]\n```\n\n---\n\n## Disclaimer / 免责声明\n\n> ⚠️ **最终信贷决策责任声明**\n> - This skill provides analytical support for credit investigation workflows\n> - Final credit decisions must be made by qualified bank officers in accordance with internal policies and regulatory requirements\n> - AI-generated analysis does not constitute final credit approval or rejection\n> - All reports should be reviewed, approved, and signed by authorized personnel before submission\n> - 本技能为**教育培训参考框架**，不构成最终授信审批或拒绝\n> - 所有尽调报告需经授权人员审核签字后方可提交\n\nFile v4.0.1:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"bank-credit-due-diligence\",\n \"version\": \"4.0.1\",\n \"publishedAt\": 1780495244540\n}\n\nFile v4.0.1:skill-card.md\n\n## Description:
\nProvides a structured bank credit due diligence framework for borrower analysis, financial review, industry risk assessment, ESG review, and investigation report drafting.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nBank credit officers, loan analysts, and risk managers use this skill to structure corporate lending due diligence, review borrower and financial risk signals, and draft investigation reports for human approval.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: Generated credit ratings, loan amount suggestions, pricing guidance, or collateral recommendations could be mistaken for final credit decisions.
\nMitigation: Use outputs only as internal analysis and require formal review and approval by qualified bank personnel before any credit decision.
\nRisk: Credit due diligence prompts may involve borrower PII, confidential financial data, or other sensitive customer information.
\nMitigation: Do not paste customer PII or confidential borrower data unless the institution permits it and appropriate data protection controls are in place.
\nRisk: The framework may not reflect every institution-specific policy, authorization requirement, or jurisdiction-specific regulatory obligation.
\nMitigation: Validate reports against internal bank policies, applicable regulatory requirements, and authorized reviewer sign-off before submission.
\n\n\n## Reference(s):
\n- [Bank Credit Due Diligence on ClawHub](https://clawhub.ai/gechengling/bank-credit-due-diligence)
\n- [Skill documentation](artifact/SKILL.md)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Markdown and structured text]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [No executable tools are used; generated credit analysis, ratings, facility suggestions, and reports require human review.]
\n\n## Skill Version(s):
\n4.0.1 (source: release evidence and skill frontmatter)
\n\n## Ethical Considerations:
\nUsers 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.
\n\nArchive v4.0.0: 5 files, 7769 bytes\n\nFiles: package.json (936b), README.md (2184b), skill-card.md (2172b), SKILL.md (9067b), _meta.json (144b)\n\nFile v4.0.0:SKILL.md\n\n---\r\nname: Bank Credit Investigation Assistant\r\nslug: bank-credit-due-diligence\r\ndescription: AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports. Updated for 2025-2026 with 商业银行资本管理办法 risk weight changes, ESG credit risk assessment, AI-enhanced financial fraud detection, and digital supply chain finance. Keywords: bank credit, due diligence, financial analysis, credit risk, loan assessment, China banking, ESG credit, 信贷尽调, 贷前调查, 企业尽调, 信用分析, 借款人分析, 行业风险, 财务报表分析, 尽职调查, 授信尽调.\r\nversion: \"4.0.0\"\r\ntriggers:\r\n - 信贷尽调\r\n - 贷前调查\r\n - 企业尽调\r\n - 信用分析\r\n - 借款人分析\r\n - 财务报表分析\r\n - 行业风险\r\n - 信贷审查报告\r\n - 尽调报告\r\n - 信用评估\r\n---\r\n\r\n# Bank Credit Investigation Assistant\r\n# 银行信贷尽调助手\r\n\r\n## Skill Overview\r\n\r\n### 0. 2024-2026 信贷风控最新监管动态\r\n\r\n| 时间 | 法规/动态 | 对信贷尽调的影响 |\r\n|------|---------|--------------|\r\n| **2024年1月** | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 |\r\n| **2025年** | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 |\r\n| **2025年** | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注\"白名单\"政策资格 |\r\n| **2025年** | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 |\r\n| **2025年** | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 |\r\n| **2026年** | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 |\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Workflow Automation |\r\n| **Target Users** | Bank credit officers, loan analysts, risk managers, relationship managers |\r\n| **Core Capability** | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |\r\n| **Industry** | Commercial banking, corporate lending, credit assessment, green finance |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nSimply describe your credit investigation task. No scripts needed - just talk to me naturally.\r\n\r\n**Example prompts:**\r\n- \"帮我做一家制造业企业的贷前尽调\"\r\n- \"分析这家公司是否值得授信\"\r\n- \"生成一份完整的尽调报告模板\"\r\n- \"审查这家借款人的财务状况和行业风险\"\r\n\r\n---\r\n\r\n## Phase 1: Borrower Profile Analysis\r\n\r\n### Information to collect (I will guide you):\r\n\r\n**Basic Information:**\r\n- Company name, registration details, business years\r\n- Ownership structure and key shareholders\r\n- Management team background\r\n- Main business scope and revenue model\r\n\r\n**Operating Environment:**\r\n- Industry sector and position in value chain\r\n- Key customers and supplier concentration\r\n- Competitive landscape\r\n- Regulatory environment\r\n\r\n### Analysis Framework:\r\n\r\n| Dimension | Key Questions |\r\n|-----------|--------------|\r\n| Business Model | How does the company make money? Is the model sustainable? |\r\n| Market Position | Market share? Competitive advantages? Barriers to entry? |\r\n| Management Quality | Experience? Track record? Incentive alignment? |\r\n| Operating Efficiency | Revenue trends? Margin trends? Cash conversion cycle? |\r\n\r\n---\r\n\r\n## Phase 2: Financial Statement Analysis\r\n\r\n### I will analyze:\r\n\r\n**1. Profitability**\r\n- Revenue growth trend (3-5 years)\r\n- Gross margin, operating margin, net margin trajectory\r\n- Revenue quality (recurring vs. one-time)\r\n- ROE, ROA decomposition\r\n\r\n**2. Capital Structure**\r\n- Debt-to-asset ratio\r\n- Short-term vs. long-term debt structure\r\n- Interest coverage ratio\r\n- Debt service coverage ratio (DSCR)\r\n\r\n**3. Liquidity**\r\n- Current ratio, quick ratio\r\n- Working capital cycle\r\n- Cash flow from operations (CFO)\r\n- Free cash flow quality\r\n\r\n**4. Asset Quality**\r\n- Accounts receivable aging\r\n- Inventory turnover\r\n- Fixed asset utilization\r\n- Related-party asset quality\r\n\r\n### Financial Ratio Summary Table:\r\n\r\n| Category | Ratio | Signals |\r\n|----------|-------|---------|\r\n| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger |\r\n| Profitability | ROE | >15% competitive, <8% weak |\r\n| Leverage | D/E Ratio | Industry-dependent, >3x warning |\r\n| Leverage | Interest Coverage | >3x comfortable, <1.5x danger |\r\n| Liquidity | Current Ratio | >1.5x healthy, <1x risk |\r\n| Liquidity | DSCR | >1.25x acceptable, <1x danger |\r\n| Efficiency | Cash Conversion | Decreasing = improving |\r\n| Asset Quality | AR Aging | >30% overdue = risk |\r\n\r\n---\r\n\r\n## Phase 3: Industry & Risk Assessment\r\n\r\n### Industry Risk Factors:\r\n\r\n| Risk Type | Assessment |\r\n|-----------|-----------|\r\n| Cyclicality | Highly cyclical / Moderate / Defensive |\r\n| Regulatory Risk | Heavy regulation / Standard / Light |\r\n| Technology Risk | Disruption prone / Stable / Growing |\r\n| Competition Intensity | Fragmented / Concentrated / Oligopoly |\r\n| Supply Chain Risk | Stable supply / Concentration risk |\r\n\r\n### Company-Specific Risk Checklist:\r\n\r\n- [ ] Customer concentration risk (>30% revenue from one customer)\r\n- [ ] Supplier concentration risk (>30% procurement from one supplier)\r\n- [ ] Key person risk (过度依赖创始人/核心管理层)\r\n- [ ] Legal/Litigation risk (未决诉讼、行政处罚)\r\n- [ ] Pledge/Mortgage risk (资产抵押情况)\r\n- [ ] Related-party transaction risk (关联交易规模和性质)\r\n- [ ] Off-balance sheet risk (表外负债、或有负债)\r\n- [ ] FX risk (外汇风险敞口)\r\n- [ ] ESG risk (环保合规、安全生产)\r\n\r\n---\r\n\r\n## Phase 4: Investigation Report Generation\r\n\r\n### Standard Report Structure:\r\n\r\n```\r\n# 信贷尽职调查报告\r\n\r\n## 一、企业基本情况\r\n## 二、股权结构与管理层\r\n## 三、主营业务分析\r\n## 四、财务报表分析\r\n## 五、行业分析与竞争地位\r\n## 六、风险因素识别\r\n## 七、担保及增信措施\r\n## 八、综合评级与授信建议\r\n```\r\n\r\n### Rating Methodology (5-tier):\r\n\r\n| Rating | Description | PD Range | Typical Indicators |\r\n|--------|-------------|----------|-------------------|\r\n| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage |\r\n| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk |\r\n| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring |\r\n| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible |\r\n| C-D | Default | >20% | Near/default, restructuring or loss expected |\r\n\r\n---\r\n\r\n## Phase 5: Credit Facility Recommendation\r\n\r\nBased on the investigation, I will provide:\r\n\r\n1. **Recommended Credit Facility Structure**\r\n - Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)\r\n - Amount range\r\n - Tenor\r\n - Pricing guidance (based on rating)\r\n - Security/collateral requirements\r\n\r\n2. **Key Covenants to Include**\r\n - Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)\r\n - Information covenants (e.g., quarterly financials)\r\n - Negative pledge clauses\r\n - Change of control provisions\r\n\r\n3. **Early Warning Indicators to Monitor**\r\n - Specific metrics to track quarterly\r\n - Trigger thresholds\r\n - Escalation protocol\r\n\r\n4. **Recommendation Summary**\r\n\r\n```\r\n┌─────────────────────────────────────────┐\r\n│ 综合评级: [AA-] │\r\n│ 建议授信额度: [5,000万元] │\r\n│ 建议授信类型: [流动资金贷款+银行承兑汇票] │\r\n│ 建议担保方式: [房产抵押+保证担保] │\r\n│ 主要关注事项: [客户集中度/行业周期性] │\r\n│ 复核频率: [季度监控] │\r\n└─────────────────────────────────────────┘\r\n```\r\n\r\n---\r\n\r\n## Quick Command Templates\r\n\r\n**Standard Investigation:**\r\n```\r\n分析[企业名称]，做贷前尽调：\r\n- 行业：[行业]\r\n- 收入规模：[X亿元]\r\n- 贷款金额：[X万元]\r\n- 贷款用途：[描述]\r\n- 担保方式：[信用/抵押/保证]\r\n```\r\n\r\n**Financial Health Check Only:**\r\n```\r\n审查[企业名称]近三年财务报表：\r\n[粘贴主要数据]\r\n```\r\n\r\n**Industry Risk Assessment Only:**\r\n```\r\n评估[行业]当前风险，识别行业下行期的预警信号\r\n```\r\n\r\n**Report Review:**\r\n```\r\n审查以下尽调报告草稿，识别遗漏和风险点：\r\n[粘贴报告内容]\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill provides analytical support for credit investigation workflows. Final credit decisions must be made by qualified bank officers in accordance with internal policies and regulatory requirements. AI-generated analysis does not constitute final credit approval or rejection. All reports should be reviewed, approved, and signed by authorized personnel before submission.\n\nFile v4.0.0:README.md\n\n# Bank Credit Investigation Assistant\r\n# 银行信贷尽调助手\r\n\r\n> *AI-powered credit due diligence for commercial banks — from borrower profiling to investigation report generation.*\r\n\r\n> AI驱动的商业银行信贷尽调工具——从借款人画像到尽调报告生成，一站式完成。\r\n\r\n---\r\n\r\n## Overview\r\n\r\nThis skill provides a complete workflow for bank credit investigation officers to perform corporate lending due diligence. It covers borrower analysis, financial statement review, industry risk assessment, and structured investigation report generation.\r\n\r\n本工具为银行信贷人员提供完整的企业信贷尽调工作流，涵盖借款人分析、财务报表审查、行业风险评估及结构化尽调报告生成。\r\n\r\n## Installation\r\n\r\n```bash\r\nclawhub install bank-credit-investigation\r\n```\r\n\r\n## Core Capabilities\r\n\r\n| Capability | Description |\r\n|------------|-------------|\r\n| Borrower Profile Analysis | Company background, ownership, management, business model |\r\n| Financial Statement Analysis | 3-year ratio analysis, cash flow, asset quality |\r\n| Industry Risk Assessment | Cyclicality, competition, regulatory, technology risks |\r\n| Investigation Report Generation | Complete CBRC-style credit investigation report |\r\n| Credit Facility Recommendation | Rating, amount, tenor, covenants, monitoring indicators |\r\n\r\n## Use Cases\r\n\r\n- **Pre-lending investigation** (贷前尽调调查)\r\n- **Credit renewal review** (贷后管理审查)\r\n- **Credit restructuring assessment** (信贷重组评估)\r\n- **Industry risk monitoring** (行业风险监控)\r\n\r\n## Target Users\r\n\r\n- Commercial bank relationship managers (对公客户经理)\r\n- Credit analysts and risk officers (信用分析师/风险管理员)\r\n- Credit approval committees (信贷审批委员会)\r\n\r\n## Compliance Note\r\n\r\nAligned with **CBIRC Guidelines for Commercial Bank Credit Risk Management** (商业银行信贷风险管理指引) and **Five-Level Classification** (贷款五级分类) standards.\r\n\r\n---\r\n**Skill Link:** https://clawhub.ai/gechengling/bank-credit-investigation \r\n**Author:** @gechengling \r\n**Install:** `clawhub install bank-credit-investigation`\n\nFile v4.0.0:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"bank-credit-due-diligence\",\n \"version\": \"4.0.0\",\n \"publishedAt\": 1779198477791\n}\n\nFile v4.0.0:skill-card.md\n\n## Description:
\nAI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and draft investigation reports.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nCommercial bank relationship managers, credit analysts, risk officers, and approval teams use this skill to structure corporate lending due diligence, assess borrower and financial risk, and draft investigation reports and facility recommendations.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: The skill handles sensitive borrower and financial analysis without clear data-handling boundaries.
\nMitigation: Use only in an approved environment and avoid pasting unredacted customer, borrower, or confidential financial information.
\nRisk: Generated credit ratings, limits, covenants, and approval recommendations may be incomplete or misleading.
\nMitigation: Treat outputs as draft analysis that must be reviewed by qualified bank officers under institutional policies and applicable regulations.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/gechengling/bank-credit-due-diligence)
\n- [Publisher profile](https://clawhub.ai/user/gechengling)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Markdown with structured report sections, tables, checklists, and narrative analysis]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [Draft analytical support for credit due diligence; final decisions require qualified human review.]
\n\n## Skill Version(s):
\n4.0.0 (source: server release metadata and SKILL.md frontmatter)
\n\n## Ethical Considerations:
\nUsers 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.
\n\nFile v4.0.0:package.json\n\n{\r\n \"name\": \"bank-credit-investigation\",\r\n \"version\": \"1.0.0\",\r\n \"description\": \"AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured workflow\",\r\n \"main\": \"SKILL.md\",\r\n \"scripts\": {\r\n \"test\": \"echo \\\"No tests configured\\\"\"\r\n },\r\n \"keywords\": [\r\n \"bank\",\r\n \"credit\",\r\n \"due diligence\",\r\n \"lending\",\r\n \"risk assessment\",\r\n \"financial analysis\",\r\n \"信贷尽调\",\r\n \"银行信贷\",\r\n \"信用分析\",\r\n \"贷前调查\"\r\n ],\r\n \"author\": \"gechengling\",\r\n \"license\": \"MIT\",\r\n \"skill\": {\r\n \"type\": \"conversation\",\r\n \"triggers\": [\r\n \"信贷尽调\",\r\n \"贷前调查\",\r\n \"企业尽调\",\r\n \"信用分析\",\r\n \"借款人分析\",\r\n \"财务报表分析\",\r\n \"行业风险\",\r\n \"信贷审查报告\",\r\n \"尽调报告\",\r\n \"信用评估\"\r\n ]\r\n }\r\n}","readmeExcerpt":"Skill: Bank Credit Due Diligence Assistant Owner: gechengling Summary: AI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and full investigation rep... Tags: bank-credit-due-diligence:4.1.2, latest:4.1.2 Version history: v4.1.2 | 2026-09-16T05:30:22.610Z | user v4.1.2: 新增能力边界准确表述与产物确认声明；分析框架增取证来源与预警信号两列及2个填写示例；财务比率表增交叉验证方法列及盈利质量/关联占用两行+判读","codeSnippets":[],"executableExamples":[{"language":"text","snippet":"# 信贷尽职调查报告\n\n## 一、企业基本情况\n## 二、股权结构与管理层\n## 三、主营业务分析\n## 四、财务报表分析\n## 五、行业分析与竞争地位\n## 六、风险因素识别\n## 七、担保及增信措施\n## 八、综合评级与授信建议"},{"language":"text","snippet":"┌─────────────────────────────────────────┐\n│ 综合评级: [AA-] │\n│ 建议授信额度: [5,000万元] │\n│ 建议授信类型: [流动资金贷款+银行承兑汇票] │\n│ 建议担保方式: [房产抵押+保证担保] │\n│ 主要关注事项: [客户集中度/行业周期性] │\n│ 复核频率: [季度监控] │\n└─────────────────────────────────────────┘"},{"language":"text","snippet":"分析[企业名称]，做贷前尽调：\n- 行业：[行业]\n- 收入规模：[X亿元]\n- 贷款金额：[X万元]\n- 贷款用途：[描述]\n- 担保方式：[信用/抵押/保证]"},{"language":"text","snippet":"审查[企业名称]近三年财务报表：\n[粘贴主要数据]"},{"language":"text","snippet":"评估[行业]当前风险，识别行业下行期的预警信号"},{"language":"text","snippet":"审查以下尽调报告草稿，识别遗漏和风险点：\n[粘贴报告内容]"}],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\r\nname: Bank Credit Due Diligence Assistant\r\nslug: bank-credit-due-diligence\r\nversion: 4.1.2\r\nallowed-tools: []\r\ncapabilities:\r\n - educational-reference\r\n - advisory-only\r\n - requires-human-review\r\n - no-executable-code\r\n---\r\n\r\n# Bank Credit Investigation Assistant / 银行信贷尽调助手\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **No executable code, scripts, or binaries are included in this skill**\r\n> - **No persistent storage, network calls, background execution, or credential collection**\r\n> - **All outputs are for reference only and require human review before real-world application**\r\n> - **This skill does NOT provide final credit approval or rejection decisions**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n>\r\n> **⚠️ 敏感数据处理警告**\r\n> - 本技能涉及**银行信贷尽调**场景，可能涉及借款人、财务信息、个人数据等高度敏感信息\r\n> - **请勿输入真实的客户个人身份信息（PII）**，除非您所在机构明确允许且有数据保护措施\r\n> - 本技能**不存储、不传输、不持久化**任何用户输入的数据\r\n> - 所有分析建议仅供内部参考，最终信贷决策必须由持牌银行人员依据内部政策和监管要求作出\r\n> - 生成的调查报告需经授权人员审核签字后方可提交\r\n\r\n## 数据最小化与产物确认前置声明（每次尽调开始前默认生效）\r\n\r\n- **最小化录入**：优先输入聚合口径（如\"近三年营收分别为 3.2/3.8/4.1 亿元\"），不要粘贴完整科目明细表、银行流水原件、完整股东名册。自然人姓名、证件号、联系方式一律脱敏或用编号替代。\r\n- **能力边界（准确表述）**：本 Skill 的 `allowed-tools` 为空，未配置任何工具能力，**不具备读取本地文件、发起网络请求、写入数据库或调用外部接口的能力**。所谓\"不存储、不传输\"是指本 Skill 自身没有相应工具通道；用户在对话中提交的内容仍会按所在平台的会话策略处理，因此脱敏依然必要。\r\n- **产物先预览后使用**：生成的尽调报告、授信建议、评级结论先在对话中完整呈现，由信贷人员核对事实与口径、补充实地调查结论，**经确认并签字后再进入正式流程**。本 Skill 不代为提交任何信贷系统流程。\r\n- **不替代实地调查**：现场走访、押品勘察、访谈核证、外部数据核验等程序必须由客户经理线下完成，本 Skill 的结论不能作为其替代。\r\n\r\n### 银行监管最新动态 [2026-06-15更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 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 | 尽调模板需更新许可证信息核验（新金融许可证格式） |\r\n| 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 | Basel III下风险权重变化影响授信额度 |\r\n| 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 | 尽调需加强消费者权益保护评估 |\r\n| 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 | 信贷审批需考虑资本占用变化 |\r\n\r\n> **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\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 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 |\r\n| 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 |\r\n| 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 |\r\n\r\n> **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\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n### 信贷监管最新动态 [2026-09-16更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 | 本 Skill 对应动作 |\r\n|---------|---------|---------|---------|-----------------|\r\n| AI 风控 | 银行业保险业人工智能安全开发应用要求落地，信贷审批被列为 AI 高风险应用场景 | 2026-Q3 | 授信审批、风险评级、智能尽调 | Phase 5 新增\"AI 辅助结论的人工复核要求\"，模型输出不得作为唯一依据 |\r\n| 绿色金融 | 绿色信贷导向持续强化，绿色标签项目的认定与存续期管理要求趋严 | 2026-H1 | 绿色信贷、转型金融 | Phase 3 ESG 风险检查表新增\"绿色认定材料完备性\" |\r\n| 数据合规 | 网络与数据安全管理要求由指导意见升格为规章，客户数据在信贷流程中的采集与使用边界更明确 | 2026-Q3 | 尽调取证、外部数据采购 | 前置声明强调脱敏与最小必要；外部数据来源需合规 |\r\n| 房地产与平台 | 房地产融资协调机制与白名单口径"},{"path":"_meta.json","content":"{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"bank-credit-due-diligence\",\n \"version\": \"4.1.2\",\n \"publishedAt\": 1789536622610\n}"},{"path":"skill-card.md","content":"## Description:\n\nProvides a bilingual advisory framework for bank credit officers, loan analysts, and risk managers to structure borrower due diligence, financial review, industry risk assessment, ESG checks, and credit investigation reports.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[gechengling](https://clawhub.ai/user/gechengling)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nBank credit officers, loan analysts, and risk managers use this skill to organize credit due diligence, assess borrower and financial risk, identify early warning indicators, and draft investigation report content. Its outputs support internal review but do not replace qualified credit approval, regulatory verification, or signed human review.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may enter borrower, financial, or personal data that is sensitive in a bank credit workflow.\n\nMitigation: Minimize inputs, de-identify personal information, and use real customer data only when the institution permits it and appropriate data protection controls are in place.\n\nRisk: Regulatory references or credit-risk guidance may be incomplete, outdated, or unsuitable for a specific institution.\n\nMitigation: Verify regulatory references against official sources and apply the institution's current policies before using generated analysis.\n\nRisk: Generated analysis could be mistaken for a final credit approval, rejection, rating, or facility decision.\n\nMitigation: Require qualified credit staff to review, recalculate key ratios, approve, and sign off before any report or recommendation enters a formal credit process.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-due-diligence)\n- [Publisher profile](https://clawhub.ai/user/gechengling)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Guidance]\n\n**Output Format:** [Markdown conversation output with report templates, checklists, tables, and advisory analysis]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Advisory-only output; no executable tools; requires human review before real-world use.]\n\n## Skill Version(s):\n\n4.1.2 (source: release metadata and SKILL.md frontmatter)\n\n## Ethical Considerations:\n\nUsers 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."}],"languages":[],"docsSourceLabel":"CLAWHUB","editorialOverview":"AI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and full investigation rep... Skill: Bank Credit Due Diligence Assistant Owner: gechengling Summary: AI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and full investigation rep... 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