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Tags: bank-credit-investigation:5.0.2, banking:5.0.0, dianjin:5.0.0, finance:5.0.0, insurance:5.0.0, latest:5.0.2 Version history: v5.0.2 | 2026-09-16T05:48:39.478Z | user v5.0.2: 新增数据最小化与产物确认前置声明、能","descriptionLabel":"Technical summary","evidenceSummary":"Capability contract not published. No trust telemetry is available yet. 1.4K downloads reported by the source. 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core features and usage remain the same.\n\nv5.0.1 | 2026-06-01T22:34:44.950Z | user\n\nSecurity compliance: fixed garbled text, added capability declarations and advisory-only disclaimers; enriched content with detailed steps, rules, and report templates\n\nv5.0.0 | 2026-05-31T02:10:04.162Z | user\n\n融合阿里点金（Dianjin）金融数字员工精髓，版本升级至5.0.0\n\nv4.0.1 | 2026-05-25T03:31:40.469Z | auto\n\nVersion 4.0.1 Changelog\n\n- Added up-to-date banking regulation and risk management trends (as of May 2026), including recent updates on net interest margin pressure and capital rule practices.\n- Expanded keywords and triggers for enhanced discoverability and coverage.\n- Updated metadata: added a slug, improved search keywords, and revised the versioning scheme.\n- Improved regulatory context section in the skill document, with latest official sources and references.\n- No changes to core workflow, functions, or report generation logic.\n\nv2.0.0 | 2026-05-11T06:10:10.667Z | auto\n\n**Major update with 2025–2026 regulatory and risk features:**\n\n- Updated for latest China banking regulatory changes (2024–2026), including 《商业银行资本管理办法》 risk weight recalibration and policy dynamics.\n- Added ESG credit risk assessment and reporting throughout the workflow.\n- Introduced AI-driven financial fraud detection and new risk signals.\n- Enhanced coverage of digital supply chain finance due diligence logic.\n- Expanded description, keywords, and sample use cases to reflect new capabilities.\n\nv1.0.0 | 2026-05-07T07:58:38.043Z | user\n\nInitial release: AI-powered bank credit due diligence assistant covering borrower analysis, financial review, industry risk, and investigation report generation\n\nArchive index:\n\nArchive v5.0.2: 3 files, 11175 bytes\n\nFiles: skill-card.md (2330b), SKILL.md (20365b), _meta.json (144b)\n\nFile v5.0.2:SKILL.md\n\n---\r\nname: Bank Credit Investigation Assistant\r\nslug: bank-credit-investigation\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: 5.0.2\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\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\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 financial, legal, or insurance advice**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n\r\n\r\n# 银行信贷尽调助手\r\n\r\n## 数据最小化与产物确认前置声明（每次尽调前默认生效）\r\n\r\n- **最小化录入**：提供聚合口径即可（如\"近三年营收 3.2/3.8/4.1 亿元，资产负债率 58%\"）。**不要粘贴完整科目明细、银行流水原件、员工花名册、客户与供应商名单**。\r\n- **强制脱敏**：自然人姓名用编号或\"张三/李四\"替代，身份证号、统一社会信用代码、账号一律用占位符。\r\n- **能力边界（准确表述）**：本 Skill 未配置任何工具，不具备读取本地文件、发起网络请求、访问征信或工商系统的能力。所谓\"不存储、不传输\"指本 Skill 自身无相应工具通道，用户在对话中提交的内容仍按所在平台会话策略处理，因此脱敏依然必要。\r\n- **产物先预览后使用**：生成的报告、评级与授信建议先在对话中完整呈现，由客户经理核对事实与口径后，**经审核签字再进入正式流程**；本 Skill 不代为提交信贷系统流程。\r\n- **不可替代现场程序**：实地走访、押品勘察、访谈核证、外部数据核验必须由客户经理线下完成。\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（新增） |\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 | 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 |\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 资产质量与贸易背景核实 |\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 | 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 | 授信结构可考虑绿色专项额度 |\r\n| **2026年6月**（新增） | AI 安全开发应用指导意见 | 信贷审批列为高风险 AI 场景，需人工复核与可追溯 | Phase 5 人工复核要求 |\r\n| **2026年**（新增） | 网络与数据安全管理办法推进 | 客户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### 信贷监管动态 [2026-09-16更新]（新增）\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 | 信贷审批被列为 AI 高风险应用场景，需人工复核与可追溯 | 2026-Q3 | 授信审批、风险评级 | Phase 5 新增人工复核与留痕要求 |\r\n| 绿色金融 | 绿色信贷导向强化，绿色标签认定与存续期管理趋严 | 2026-H1 | 绿色信贷、转型金融 | Phase 3 新增绿色认定材料核验 |\r\n| 数据合规 | 网络与数据安全管理要求升格，外部数据采购与使用需合规 | 2026-Q3 | 尽调取证 | 前置声明强调脱敏与外部数据来源合规 |\r\n| 供应链 | 供应链金融规范持续完善，贸易背景真实性核查要求提高 | 2026-H1 | 应收账款、票据融资 | Phase 2 新增贸易背景核验清单 |\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| 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- \"这家企业的应收账款增速远高于收入增速，帮我设计核实方案\"（新增）\r\n- \"帮我设计一次现场走访的核验清单和访谈问题\"（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- 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 | 核验途径（新增） | 异常信号（新增） |\r\n|-----------|--------------|---------------|---------------|\r\n| Business Model | How does the company make money? Is the model sustainable? | 收入构成表、主要合同 | 主业频繁变更、收入集中在年末确认 |\r\n| Market Position | Market share? Competitive advantages? Barriers to entry? | 行业协会数据、中标记录 | 份额连年下滑、靠低价维持订单 |\r\n| Management Quality | Experience? Track record? Incentive alignment? | 履历、董事会纪要 | 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、往来明细 | 收入增长但现金转化恶化 |\r\n| **准入资格**（新增） | 是否具备行业许可、政策名单资格？ | 许可证、资质证书、政策名单 | 许可证临近到期、资质与实际业务不符 |\r\n\r\n**访谈问题清单（新增）**\r\n\r\n| 访谈对象 | 核心问题 | 关注点 |\r\n|---------|---------|--------|\r\n| 实际控制人 | 未来一年资金安排、对外担保情况 | 是否有表外负债与民间融资 |\r\n| 财务负责人 | 应收账款账龄与回款计划、关联方往来 | 是否存在资金占用 |\r\n| 业务/销售负责人 | 前五大客户合作稳定性、订单能见度 | 客户集中度风险 |\r\n| 生产/仓库负责人 | 产能利用率、存货周转与盘点 | 存货真实性 |\r\n\r\n**交叉验证要点（新增）**\r\n\r\n| 验证项 | 数据来源 A | 数据来源 B | 不一致时的处理 |\r\n|-------|-----------|-----------|--------------|\r\n| 营收规模 | 财务报表 | 纳税申报/开票数据 | 以较低者为准，并要求书面说明 |\r\n| 员工人数 | 社保缴纳人数 | 工资表/现场观察 | 差异过大需核实是否停产或外包 |\r\n| 产能 | 设计产能说明 | 用电量/排产记录 | 结合开工率判断收入真实性 |\r\n| 银行流水 | 主要结算账户 | 销售额与回款节奏 | 识别大额整数过账与即进即出 |\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 | 核实动作（新增） |\r\n|----------|-------|---------|---------------|\r\n| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger | 与同行对比，核查毛利与费用异常 |\r\n| Profitability | ROE | >15% competitive, <8% weak | 杜邦拆解，区分杠杆还是周转驱动 |\r\n| Leverage | D/E Ratio | Industry-dependent, >3x warning | 核查表外负债、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 |\r\n| Liquidity | Current Ratio | >1.5x healthy, <1x risk | 剔除受限资金与难变现存货后重算 |\r\n| Liquidity | DSCR | >1.25x acceptable, <1x danger | 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 |\r\n| **盈利质量**（新增） | CFO / 净利润 | >1 较健康，持续 <0.6 需警惕 | 连续为负时核查收入确认与关联交易 |\r\n| **其他应收占比**（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 |\r\n\r\n### 财务风险信号识别（新增）\r\n\r\n| 信号 | 可能含义 | 建议核实动作 |\r\n|------|---------|------------|\r\n| 收入增长但应收账款增速更高 | 放宽信用政策冲量，或收入质量存疑 | 抽查销售合同、发货与回款记录 |\r\n| 存货增速高于成本增速 | 滞销、虚增库存或计价异常 | 现场盘点、核查出入库单据 |\r\n| 其他应收款大幅增加 | 关联方资金占用 | 核查对手方与资金用途 |\r\n| 经营性现金流与净利润长期背离 | 盈利质量差或存在循环资金 | 追踪主要资金往来对手方 |\r\n| 短期借款增加而货币资金同步增加 | 可能存在保证金质押或资金受限 | 核查资金受限情况与质押合同 |\r\n| 毛利率显著高于同行且无技术壁垒支撑 | 成本归集或收入确认存疑 | 核查成本核算方法与同行口径差异 |\r\n\r\n**应收账款核实方案示例（新增）**\r\n\r\n> 情况：应收账款同比增长 62%，而营业收入仅增长 18%。\r\n> 核实步骤：\r\n> 1. 索取应收账款账龄表与前十大欠款方清单（脱敏后讨论）。\r\n> 2. 抽取前三大欠款方，核对销售合同、发货单、发票与回款记录是否四单匹配。\r\n> 3. 检查是否存在期后集中退货或冲回。\r\n> 4. 关注是否通过关联方或通道方走单做大收入。\r\n> 5. 结论若确认为信用政策放宽所致，则在授信建议中下调应收账款质押率并提高监控频率。\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与宏观相关性 |\r\n| Regulatory Risk | Heavy regulation / Standard / Light | 是否许可经营、监管文件与处罚密度 |\r\n| Technology Risk | Disruption prone / Stable / Growing | 研发投入占比、产品迭代周期 |\r\n| Competition Intensity | Fragmented / Concentrated / Oligopoly | CR5 集中度、价格战频次 |\r\n| Supply Chain Risk | Stable supply / Concentration risk | 关键供应商数量、进口依赖度 |\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）\r\n- [ ] 贸易背景真实性（新增，适用于供应链融资）\r\n- [ ] 对外担保与互保圈风险（新增）\r\n\r\n**ESG 与现场观察要点表（新增）**\r\n\r\n| 观察项 | 现场可验证信号 | 风险含义 |\r\n|-------|--------------|---------|\r\n| 环保合规 | 排污许可、环保处罚记录、治污设施运行 | 停产整顿风险 |\r\n| 安全生产 | 安全制度、事故记录、消防设施 | 重大事故导致经营中断 |\r\n| 开工情况 | 车间开工率、工人到岗、设备运转 | 收入真实性佐证 |\r\n| 存货状态 | 堆放、标识、灰尘与账实核对 | 虚增或滞销判断 |\r\n| 员工稳定性 | 社保人数、食堂与宿舍使用情况 | 经营收缩的早期信号 |\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**报告质量自检表（新增）**\r\n\r\n| 检查项 | 要求 | 常见缺陷 |\r\n|-------|------|---------|\r\n| 数据来源可追溯 | 关键结论标注来源与日期 | 只写结论不标来源 |\r\n| 交叉验证留痕 | 至少两项独立来源相互印证 | 仅依赖企业提供资料 |\r\n| 异常项有解释 | 每个异常波动都有书面说明 | 直接抄录报表不做解释 |\r\n| 风险与缓释对应 | 每项风险都有对应缓释措施 | 只列风险不写对策 |\r\n| 现场情况描述 | 包含走访时间、对象与观察结论 | 缺少现场记录 |\r\n| 结论与依据一致 | 评级与前文风险描述匹配 | 评级偏松且无依据 |\r\n\r\n### Rating Methodology (5-tier):\r\n\r\n| Rating | Description | PD Range | Typical Indicators | 监控与缓释（新增） |\r\n|--------|-------------|----------|-------------------|-----------------|\r\n| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage | 年度复核，信用为主 |\r\n| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk | 半年复核，可接受保证 |\r\n| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring | 季度监控，建议抵质押 |\r\n| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible | 月度监控，足值抵押+约束条款 |\r\n| C-D | Default | >20% | Near/default, restructuring or loss expected | 不新增，考虑重组或压退 |\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\n5. **人工复核与留痕要求**（新增）\r\n   - 若参考了模型或系统生成的评级/额度，须由客户经理独立复算关键比率并签字\r\n   - 评级下调或额度压缩须写明具体触发因素，不得仅引用系统结论\r\n   - 留痕内容：输入数据版本、现场核查记录、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**早期预警指标设计示例（新增）**\r\n\r\n| 指标 | 预警阈值 | 触发动作 | 升级路径 |\r\n|------|---------|---------|---------|\r\n| 资产负债率 | 超过 65% | 电话核实并索取说明 | 超 70% 报风险经理 |\r\n| 经营性现金流 | 连续两季为负 | 现场走访 | 持续为负启动额度重检 |\r\n| 应收账款周转天数 | 较上年增加 30 天以上 | 核查账龄与回款 | 超 60 天下调质押率 |\r\n| 对外担保余额 | 新增超过净资产 20% | 核查被担保方 | 涉及互保圈立即上报 |\r\n| 实控人股权质押率 | 超过 50% | 核查资金用途 | 超 70% 触发额度冻结评估 |\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**On-site Verification Checklist（新增）：**\r\n```\r\n帮我设计[企业名称]的现场走访核验清单：\r\n- 主要生产/经营场所：[描述]\r\n- 拟访谈对象：[实控人/财务/业务/仓库]\r\n- 重点关注：[收入真实性/存货/开工率/环保]\r\n```\r\n\r\n**Fraud Signal Screening（新增）：**\r\n```\r\n帮我筛查以下财务数据的异常信号：\r\n- 近三年营收/应收/存货/经营现金流：[数据]\r\n- 请指出需要重点核实的科目与核实方法\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.\r\n\r\n本 Skill 未配置任何工具，不读取本地文件、不发起网络请求、不访问征信或工商系统，也不代为提交信贷流程；所有输出须经客户经理现场核实并由授权人员审核签字后方可使用。\n\nFile v5.0.2:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"5.0.2\",\n  \"publishedAt\": 1789537719478\n}\n\nFile v5.0.2:skill-card.md\n\n## Description:\n\nAI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete 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, risk managers, and relationship managers use this skill to structure borrower due diligence, financial analysis, industry and ESG risk review, facility recommendations, and investigation report drafts for human review.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may provide sensitive banking, identity, account, customer, supplier, or financial-record data during credit due diligence.\n\nMitigation: Use aggregated and anonymized inputs only; do not paste full bank statements, ID numbers, account numbers, customer lists, supplier lists, or other raw confidential data.\n\nRisk: Regulatory claims, ratings, facility recommendations, and credit conclusions may be incomplete, outdated, or unsuitable for a specific institution.\n\nMitigation: Verify regulatory claims and credit recommendations with official sources, qualified staff, internal policy, site visits, and authorized human approval before real-world use.\n\nRisk: The skill cannot independently verify borrower facts or retrieve records from credit, corporate registry, banking, or local file systems.\n\nMitigation: Treat outputs as analytical templates and require customer managers or risk staff to perform offline evidence checks and retain review records.\n\n## Reference(s):\n\n\n## Skill Output:\n\n**Output Type(s):** [text, markdown, guidance]\n\n**Output Format:** [Markdown with structured tables, checklists, and report templates]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Conversation-only analytical output; no code, tools, persistence, credential access, or external system access.]\n\n## Skill Version(s):\n\n5.0.2 (source: frontmatter and server release evidence)\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 v2.0.1: 5 files, 8599 bytes\n\nFiles: package.json (936b), README.md (2184b), skill-card.md (2170b), SKILL.md (10748b), _meta.json (144b)\n\nFile v2.0.1:SKILL.md\n\n---\r\nname: Bank Credit Investigation Assistant\r\nslug: bank-credit-investigation\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: 2.0.1\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\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\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 financial, legal, or insurance advice**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n\r\n\r\n# 银行信贷尽调助手\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 / 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 v2.0.1: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 v2.0.1:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"2.0.1\",\n  \"publishedAt\": 1782652511746\n}\n\nFile v2.0.1:skill-card.md\n\n## Description: <br>\nProvides a structured credit due diligence workflow for borrower profiling, financial statement analysis, industry risk assessment, ESG review, and investigation report generation. <br>\n\nThis skill is ready for commercial/non-commercial use. <br>\n\n## Publisher: <br>\n[gechengling](https://clawhub.ai/user/gechengling) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nCommercial bank credit officers, credit analysts, risk managers, relationship managers, and credit approval teams use this skill to structure corporate borrower due diligence, assess financial and industry risks, and draft investigation reports and facility recommendations for authorized human review. <br>\n\n### Deployment Geography for Use: <br>\nChina-focused; use in other jurisdictions requires local regulatory and policy review. <br>\n\n## Known Risks and Mitigations: <br>\nRisk: Review before execution as proposals could introduce incorrect or misleading guidance into skills. <br>\nMitigation: Review and scan skill before deployment. <br>\n\n## Reference(s): <br>\n- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-investigation) <br>\n- [README](README.md) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [text, markdown, guidance] <br>\n**Output Format:** [Markdown reports, checklists, analytical summaries, and recommendation text] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Text-only advisory output with no executable behavior; install only in approved environments for confidential banking or borrower information, redact unnecessary personal or customer data, independently verify regulatory references, and require authorized bank personnel to review any rating, facility amount, covenant, or approval recommendation before use.] <br>\n\n## Skill Version(s): <br>\n2.0.1 (source: frontmatter and release evidence) <br>\n\n## Ethical Considerations: <br>\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. <br>\n\nFile v2.0.1: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}\n\nArchive v5.0.1: 5 files, 8076 bytes\n\nFiles: package.json (936b), README.md (2184b), skill-card.md (2107b), SKILL.md (9708b), _meta.json (144b)\n\nFile v5.0.1:SKILL.md\n\n---\r\nname: Bank Credit Investigation Assistant\r\nslug: bank-credit-investigation\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: 2.0.0\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\ncapabilities:\n  - educational-reference\n  - advisory-only\n  - requires-human-review\n  - no-executable-code\n---\r\n\r\n# Bank Credit Investigation Assistant\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 financial, legal, or insurance advice**\n> - **Users must exercise their own judgment and consult qualified professionals**\n\n\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 v5.0.1: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 v5.0.1:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"5.0.1\",\n  \"publishedAt\": 1780353284950\n}\n\nFile v5.0.1:skill-card.md\n\n## Description: <br>\nAI-powered bank credit due diligence assistant for analyzing borrowers, financials, industry risk, ESG factors, and generating investigation report drafts. <br>\n\nThis skill is ready for commercial/non-commercial use. <br>\n\n## Publisher: <br>\n[gechengling](https://clawhub.ai/user/gechengling) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nCommercial bank credit officers, credit analysts, risk managers, and relationship managers use this skill to structure borrower due diligence, review financial and industry risk, and draft credit investigation reports for qualified internal review. <br>\n\n### Deployment Geography for Use: <br>\nGlobal <br>\n\n## Known Risks and Mitigations: <br>\nRisk: Draft credit ratings, pricing, collateral, covenant, and lending recommendations may be incomplete or unsuitable for a real borrower. <br>\nMitigation: Use outputs only as analytical support and require review by qualified bank officers under internal credit policy before any lending decision. <br>\nRisk: Borrower financials, ownership details, and investigation materials may contain confidential information. <br>\nMitigation: Share borrower data only in chat environments approved for that information and minimize sensitive data where possible. <br>\n\n\n## Reference(s): <br>\n- [ClawHub skill page](https://clawhub.ai/gechengling/bank-credit-investigation) <br>\n- [Publisher profile](https://clawhub.ai/user/gechengling) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [text, markdown, guidance] <br>\n**Output Format:** [Markdown narrative, tables, checklists, and report templates] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Advisory draft outputs requiring qualified human review.] <br>\n\n## Skill Version(s): <br>\n5.0.1 (source: server release evidence) <br>\n\n## Ethical Considerations: <br>\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. <br>\n\nFile v5.0.1: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}\n\nArchive v5.0.0: 5 files, 11647 bytes\n\nFiles: package.json (936b), README.md (2184b), skill-card.md (2564b), SKILL.md (18585b), _meta.json (144b)\n\nFile v5.0.0: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: \"5.0.0\"\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\r\n### 银行监管最新动态 [2026-05-25更新]\r\n\r\n| 动态类型 | 内容摘要 | 影响范围 |\r\n|---------|---------|---------|\r\n| 银行监管 | 2026年Q1：净息差管理压力持续，低成本负债竞争加剧 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |\r\n| 银行监管 | 理财产品信息披露'三清'（估值清晰、责任清晰、信息清晰）推进 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |\r\n| 银行监管 | 资本新规计量规则在特定上市银行实践参考已发布 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |\r\n\r\n> **数据截止**: 2026-05-25 | 来源：国家金融监督管理总局、安永Q1分析、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 / 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.\r\n\r\n\n---\n\n## 核心工作流程（Dianjin融合版）\n\n### 第一步：借款人画像与信息收集\n\n| 输入项 | 说明 | 默认值 |\n|--------|------|--------|\n| 借款人名称 | 企业全称或统一社会信用代码 | — |\n| 所属行业 | 国标行业分类或用户指定 | — |\n| 授信金额 | 拟申请授信额度（万元） | — |\n| 授信品种 | 流贷/固贷/贸融/保函/银承 | 流贷 |\n| 调查深度 | 快速筛查/标准尽调/深度尽调 | 标准尽调 |\n\n**触发规则**：用户提及以下场景时触发\n- 分析[企业名称]贷前尽调\n- 生成[企业名称]尽职调查报告\n- [企业名称]是否值得授信\n- 审查[企业名称]财务风险\n\n---\n\n### 第二步：财务健康度深度分析（Dianjin精髓：财报分析）\n\n#### 2.1 财务报表三维分析框架\n| 分析维度 | 核心指标 | 风险信号 |\n|---------|---------|---------|\n| **盈利能力** | 营收CAGR、毛利率、净利率、ROE | 营收下滑、毛利率低于行业、ROE<8% |\n| **资本结构** | 资产负债率、有息负债率、利息保障倍数 | 负债率>70%、利息保障<1.5x |\n| **现金流** | 经营现金流/净利润、自由现金流 | 经营现金流持续为负 |\n| **资产质量** | 应收账款周转、存货周转、其他应收款占比 | 应收账款账龄>1年占比高 |\n\n#### 2.2 财务造假风险识别（Dianjin精髓：AI增强财务欺诈检测）\n| 风险类型 | 识别方法 | 风险信号 |\n|---------|---------|---------|\n| 收入虚增 | 营收 vs 现金流、应收账款增速 vs 营收增速 | 营收增但现金流不增 |\n| 成本虚减 | 毛利率异常高于同行、存货周转异常 | 毛利率超同行5pct以上 |\n| 现金流操纵 | 经营现金流 vs 净利润、应收/应付异常 | 经营现金流持续低于净利润 |\n| 表外负债 | 担保余额、未决诉讼、融资租赁 | 担保余额超净资产50% |\n\n#### 2.3 财报质量评分（0-100分）\n| 评分维度 | 单项满分 | 权重 | 评分依据 |\n|---------|---------|------|---------|\n| 盈利质量 | 25 | 25% | 营收现金含量、毛利率合理性 |\n| 资产质量 | 25 | 25% | 应收账款/存货质量、其他应收款 |\n| 现金流 | 25 | 25% | 经营现金流/净利润、自由现金流 |\n| 负债结构 | 25 | 25% | 有息负债率、短期偿债压力 |\n\n**财报质量等级**：\n| 综合得分 | 质量等级 | 授信建议 |\n|---------|---------|---------|\n| 80-100 | 优质 | 可积极介入 |\n| 60-79 | 良好 | 正常介入 |\n| 40-59 | 一般 | 审慎介入 |\n| 20-39 | 较差 | 限制介入 |\n| 0-19 | 很差 | 禁止介入 |\n\n---\n\n### 第三步：股权穿透与关联方分析（Dianjin精髓：股权穿透与关联方分析）\n\n#### 3.1 股权结构穿透分析\n| 分析层级 | 关注重点 | 风险信号 |\n|---------|---------|---------|\n| 实际控制人 | 穿透至自然人/国资/集体 | 无法穿透、代持嫌疑 |\n| 直接股东 | 股东性质（国资/民营/外资/混合） | 股东信用瑕疵 |\n| 一致行动人 | 一致行动协议、表决权委托 | 控制权不稳定 |\n| 员工持股/期权 | ESOP、股权激励 | 股权稀释风险 |\n\n#### 3.2 关联方交易风险识别\n| 关联方类型 | 交易类型 | 风险信号 |\n|------------|---------|---------|\n| 母公司/子公司 | 资金拆借、担保、购销 | 定价不公允、资金占用 |\n| 兄弟公司 | 同业竞争、资产转让 | 掏空上市公司 |\n| 关键管理人关联 | 薪酬、借款 | 利益输送 |\n| 隐性关联方 | 前股东、前高管关联企业 | 隐蔽的利益输送 |\n\n**关联方风险评分**：\n- 低风险：关联交易占比<10%，定价公允，披露完整\n- 中风险：关联交易占比10-30%，基本公允\n- 高风险：关联交易占比>30%，定价不公允，披露不完整\n\n---\n\n### 第四步：行业与区域风险分析（Dianjin精髓：行业深度分析）\n\n#### 4.1 行业风险量化评分\n| 评分维度 | 单项满分 | 权重 | 评分依据 |\n|---------|---------|------|---------|\n| 政策环境 | 20 | 20% | 行业政策友好度、监管强度 |\n| 行业景气度 | 20 | 20% | 行业增速、产能利用率、价格走势 |\n| 竞争格局 | 15 | 15% | 行业集中度、进入壁垒 |\n| 周期位置 | 15 | 15% | 周期阶段、上行/下行风险 |\n| 技术变革 | 15 | 15% | 技术迭代风险、被替代风险 |\n| 区域风险 | 15 | 15% | 区域财政健康度、产业升级 |\n\n#### 4.2 区域风险分析（针对城投/地产/基建）\n| 区域指标 | 计算方法 | 风险阈值 |\n|---------|---------|---------|\n| 一般预算收入 | 公共财政预算收入 | <50亿为弱区域 |\n| 债务率 | 债务余额/一般预算收入 | >150%为高风险 |\n| 土地财政依赖度 | 土地出让收入/财政收入 | >60%为高风险 |\n| 再融资便利性 | 存量债券估值、新发债利差 | 利差>200bp为高风险 |\n\n---\n\n### 第五步：综合评级与授信建议（Dianjin精髓：风险评分机制）\n\n#### 5.1 借款人综合评级模型\n| 评级 | PD区间 | 建议授信策略 |\n|--------|----------|------------|\n| AAA | <0.1% | 积极介入，可信用授信 |\n| AA+ ~ AA- | 0.1%-1% | 正常介入，抵押或强担保 |\n| A+ ~ A- | 1%-5% | 审慎介入，强担保+贷后管理 |\n| BBB+ ~ BBB- | 5%-20% | 限制介入，只减不增 |\n| BB及以下 | >20% | 禁止介入，加快退出 |\n\n#### 5.2 授信建议输出模板\n```\n┌─────────────────────────────────────────┐\n│  借款人：[企业名称]                      │\n│  综合评级：[AAA/AA+/...]                 │\n│  建议授信额度：[X]万元                   │\n│  建议授信品种：[流贷/固贷/贸融/...]      │\n│  建议期限：[X]年                        │\n│  建议担保方式：[信用/抵押/质押/保证]      │\n│  定价建议：[LPR+X bp]                   │\n│                                        │\n│  主要关注事项：                          │\n│  1. [风险点1]                         │\n│  2. [风险点2]                         │\n│  3. [风险点3]                         │\n│                                        │\n│  贷后管理要求：                          │\n│  - 按[季度/月度]监测[指标1/指标2]       │\n│  - 触发阈值为[具体数值]                 │\n│  - 触发后执行[具体措施]                 │\n└─────────────────────────────────────────┘\n```\n\n---\n\n## 合规约束与审计规则（Dianjin精髓）\n\n### 合规约束\n1. **不适用边界**：本技能不适用于信贷审批决策、法律意见出具，此类需求需转交信贷审批部门或法律合规部门\n2. **禁止承诺**：不使用\"一定过审\"\" guaranteed approval\"等承诺性表述，只能说\"建议\"\"可参考\"\n3. **禁止替代决策**：仅输出分析建议，最终授信决策由授信审批专员出具\n4. **数据溯源**：财务数据、行业数据必须标注来源和日期，未标注来源的分析结论视为不合规\n5. **隐私保护**：借款人未公开财务数据、商业秘密必须保密，不得外泄\n6. **客观中立**：分析不得受银行既有授信关系、客户关系影响，须客观呈现风险\n\n### 审计日志规则\n每次执行后，生成审计日志至 `audit/` 目录，内容包含：\n- 技能名称和版本\n- 触发时间和用户标识\n- 借款人名称和授信申请信息\n- 核心分析步骤和输出结论\n- 是否触发高风险预警\n- 最终输出摘要\n\n---\n\n## 测试用例（Dianjin精髓）\n\n| 用例ID | 输入场景 | 预期输出 | 验证点 |\n|--------|---------|---------|---------|\n| 用例1 | 分析某制造业企业，营收10亿，净利润5000万，负债率65% | 综合评级A-，建议授信5000万，关注负债率偏高 | 评级逻辑合理 |\n| 用例2 | 分析某城投企业，所属区域债务率200%，土地出让收入占比70% | 综合评级BBB，建议限制介入，提示区域风险 | 区域风险识别准确 |\n| 用例3 | 分析某科技企业，营收快速增长但经营现金流为负 | 综合评级BBB+，提示现金流风险，建议强担保 | 现金流风险识别 |\n\n---\n\n## 关联技能（Dianjin精髓）\n\n- **银行市场研究**（`bank-market-research`）：提供行业深度分析、竞争格局、市场机会\n- **银行监管报告**（`bank-regulatory-reporting`）：提供最新监管政策解读和合规要求\n- **金融全场景风控**（`finance-omni-risk`）：提供行业风险量化模型和预警指标\n\n---\n\n*GitHub: https://github.com/gechengling/bank-credit-investigation*\n\nFile v5.0.0: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 v5.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"5.0.0\",\n  \"publishedAt\": 1780193404162\n}\n\nFile v5.0.0:skill-card.md\n\n## Description: <br>\nAI-powered bank credit due diligence assistant for analyzing borrowers, financials, industry risk, and generating complete investigation reports. <br>\n\nThis skill is ready for commercial/non-commercial use. <br>\n\n## Publisher: <br>\n[gechengling](https://clawhub.ai/user/gechengling) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nCommercial bank relationship managers, credit analysts, risk officers, and credit committees use this skill to structure corporate lending due diligence, review borrower financial health, assess industry and ESG risks, and draft investigation reports and credit facility recommendations. <br>\n\n### Deployment Geography for Use: <br>\nGlobal <br>\n\n## Known Risks and Mitigations: <br>\nRisk: The skill may handle sensitive borrower, user, and non-public financial details and its audit-log behavior can persist that information without clear limits. <br>\nMitigation: Use only with authorized banking data, minimize personal identifiers and confidential borrower details, and disable or tightly control audit logging unless approved storage, access controls, retention limits, and redaction rules are in place. <br>\nRisk: Generated credit analysis or facility recommendations could be incomplete, outdated, or unsuitable for a specific institution's policy and regulatory context. <br>\nMitigation: Require qualified bank officers to review outputs against current internal policies, authoritative source data, and applicable regulations before making or approving credit decisions. <br>\n\n\n## Reference(s): <br>\n- [Bank Credit Investigation on ClawHub](https://clawhub.ai/gechengling/bank-credit-investigation) <br>\n- [gechengling Publisher Profile](https://clawhub.ai/user/gechengling) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [text, markdown, guidance] <br>\n**Output Format:** [Markdown analysis, structured report outlines, risk checklists, and credit recommendation summaries] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [May include borrower profiles, financial ratio analysis, risk ratings, covenant suggestions, monitoring indicators, and audit-log summaries.] <br>\n\n## Skill Version(s): <br>\n5.0.0 (source: server-resolved release evidence and SKILL.md frontmatter) <br>\n\n## Ethical Considerations: <br>\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. <br>\n\nFile v5.0.0: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}\n\nArchive v4.0.1: 5 files, 8151 bytes\n\nFiles: package.json (936b), README.md (2184b), skill-card.md (2289b), SKILL.md (9890b), _meta.json (144b)\n\nFile v4.0.1: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: \"4.0.1\"\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\r\n### 银行监管最新动态 [2026-05-25更新]\r\n\r\n| 动态类型 | 内容摘要 | 影响范围 |\r\n|---------|---------|---------|\r\n| 银行监管 | 2026年Q1：净息差管理压力持续，低成本负债竞争加剧 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |\r\n| 银行监管 | 理财产品信息披露'三清'（估值清晰、责任清晰、信息清晰）推进 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |\r\n| 银行监管 | 资本新规计量规则在特定上市银行实践参考已发布 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |\r\n\r\n> **数据截止**: 2026-05-25 | 来源：国家金融监督管理总局、安永Q1分析、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 / 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 v4.0.1: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 v4.0.1:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"4.0.1\",\n  \"publishedAt\": 1779679900469\n}\n\nFile v4.0.1:skill-card.md\n\n## Description: <br>\nProvides a workflow for bank credit investigation officers to perform corporate lending due diligence, including borrower analysis, financial statement review, industry risk assessment, and structured investigation report generation. <br>\n\nThis skill is ready for commercial/non-commercial use. <br>\n\n## Publisher: <br>\n[gechengling](https://clawhub.ai/user/gechengling) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nBank credit officers, loan analysts, risk managers, relationship managers, and credit approval committees use this skill to structure corporate lending due diligence, assess borrower and industry risk, and draft credit investigation reports and facility recommendations. <br>\n\n### Deployment Geography for Use: <br>\nGlobal <br>\n\n## Known Risks and Mitigations: <br>\nRisk: Users may paste unnecessary personal identifiers, customer files, bank secrets, account numbers, or confidential borrower records into a credit due-diligence conversation. <br>\nMitigation: Use only in an organization-approved environment and provide only information the user is authorized to share. <br>\nRisk: Generated ratings and lending recommendations could be mistaken for final credit approval. <br>\nMitigation: Treat outputs as analyst support that must be reviewed by qualified bank personnel under internal policies and regulatory requirements. <br>\n\n\n## Reference(s): <br>\n- [ClawHub Skill Page](https://clawhub.ai/gechengling/bank-credit-investigation) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [Text, Markdown, Guidance] <br>\n**Output Format:** [Markdown and plain text credit analysis, report outlines, rating summaries, and facility recommendations] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Conversation-only output; generated ratings and lending recommendations require qualified human review before credit approval.] <br>\n\n## Skill Version(s): <br>\n4.0.1 (source: server release metadata and SKILL.md frontmatter) <br>\n\n## Ethical Considerations: <br>\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. <br>\n\nFile v4.0.1: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}\n\nArchive v2.0.0: 4 files, 6579 bytes\n\nFiles: package.json (936b), README.md (2184b), SKILL.md (8911b), _meta.json (144b)\n\nFile v2.0.0:SKILL.md\n\n---\r\nname: Bank Credit Investigation Assistant\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.\r\nversion: 2.0.0\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 v2.0.0: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 v2.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"2.0.0\",\n  \"publishedAt\": 1778479810667\n}\n\nFile v2.0.0: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}\n\nArchive v1.0.0: 4 files, 5977 bytes\n\nFiles: package.json (936b), README.md (2184b), SKILL.md (7756b), _meta.json (144b)\n\nFile v1.0.0:SKILL.md\n\n---\r\nname: Bank Credit Investigation Assistant\r\ndescription: AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured workflow\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| 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 → Industry risk assessment → Complete investigation report |\r\n| **Industry** | Commercial banking, corporate lending, credit assessment |\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 v1.0.0: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 v1.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"1.0.0\",\n  \"publishedAt\": 1778140718043\n}\n\nFile v1.0.0: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 Investigation Owner: gechengling Summary: AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured... Tags: bank-credit-investigation:5.0.2, banking:5.0.0, dianjin:5.0.0, finance:5.0.0, insurance:5.0.0, latest:5.0.2 Version history: v5.0.2 | 2026-09-16T05:48:39.478Z | user v5.0.2: 新增数据最小化与产物确认前置声明、能","codeSnippets":[],"executableExamples":[{"language":"text","snippet":"┌─────────────────────────────────────────┐\n│  借款人：[企业名称]                      │\n│  综合评级：[AAA/AA+/...]                 │\n│  建议授信额度：[X]万元                   │\n│  建议授信品种：[流贷/固贷/贸融/...]      │\n│  建议期限：[X]年                        │\n│  建议担保方式：[信用/抵押/质押/保证]      │\n│  定价建议：[LPR+X bp]                   │\n│                                        │\n│  主要关注事项：                          │\n│  1. [风险点1]                         │\n│  2. [风险点2]                         │\n│  3. [风险点3]                         │\n│                                        │\n│  贷后管理要求：                          │\n│  - 按[季度/月度]监测[指标1/指标2]       │\n│  - 触发阈值为[具体数值]                 │\n│  - 触发后执行[具体措施]                 │\n└─────────────────────────────────────────┘"}],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\r\nname: Bank Credit Investigation Assistant\r\nslug: bank-credit-investigation\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: 5.0.2\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\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\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 financial, legal, or insurance advice**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n\r\n\r\n# 银行信贷尽调助手\r\n\r\n## 数据最小化与产物确认前置声明（每次尽调前默认生效）\r\n\r\n- **最小化录入**：提供聚合口径即可（如\"近三年营收 3.2/3.8/4.1 亿元，资产负债率 58%\"）。**不要粘贴完整科目明细、银行流水原件、员工花名册、客户与供应商名单**。\r\n- **强制脱敏**：自然人姓名用编号或\"张三/李四\"替代，身份证号、统一社会信用代码、账号一律用占位符。\r\n- **能力边界（准确表述）**：本 Skill 未配置任何工具，不具备读取本地文件、发起网络请求、访问征信或工商系统的能力。所谓\"不存储、不传输\"指本 Skill 自身无相应工具通道，用户在对话中提交的内容仍按所在平台会话策略处理，因此脱敏依然必要。\r\n- **产物先预览后使用**：生成的报告、评级与授信建议先在对话中完整呈现，由客户经理核对事实与口径后，**经审核签字再进入正式流程**；本 Skill 不代为提交信贷系统流程。\r\n- **不可替代现场程序**：实地走访、押品勘察、访谈核证、外部数据核验必须由客户经理线下完成。\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（新增） |\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 | 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 |\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 资产质量与贸易背景核实 |\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 | 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 | 授信结构可考虑绿色专项额度 |\r\n| **2026年6月**（新增） | AI 安全开发应用指导意见 | 信贷审批列为高风险 AI 场景，需人工复核与可追溯 | Phase 5 人工复核要求 |\r\n| **2026年**（新增） | 网络与数据安全管理办法推进 | 客户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### 信贷监管动态 [2026-09-16更新]（新增）\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 | 信贷审批被列为 AI 高风险应用场景，需人工复核与可追溯 | 2026-Q3 | 授信审批、风险评级 | Phase 5 新增人工复核与留痕要求 |\r\n| 绿色金融 | 绿色信贷导向强化，绿色标签认定与存续期管理趋严 | 2026-H1 | 绿色信贷、转型金融 | Phase 3 新增绿色认定材料核验 |\r\n| 数据合规 | 网络与数据安全管理要求升格，外部数据采购与使用需合规 | 2026-Q3 | 尽调取证 | 前置声明强调脱敏与外部数据来源合规 |\r\n| 供应链 | 供应链金融规范持续完善，贸易背景真实性核查要求提高 | 2026-H1 | 应收"},{"path":"_meta.json","content":"{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-investigation\",\n  \"version\": \"5.0.2\",\n  \"publishedAt\": 1789537719478\n}"},{"path":"skill-card.md","content":"## Description:\n\nAI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete 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, risk managers, and relationship managers use this skill to structure borrower due diligence, financial analysis, industry and ESG risk review, facility recommendations, and investigation report drafts for human review.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may provide sensitive banking, identity, account, customer, supplier, or financial-record data during credit due diligence.\n\nMitigation: Use aggregated and anonymized inputs only; do not paste full bank statements, ID numbers, account numbers, customer lists, supplier lists, or other raw confidential data.\n\nRisk: Regulatory claims, ratings, facility recommendations, and credit conclusions may be incomplete, outdated, or unsuitable for a specific institution.\n\nMitigation: Verify regulatory claims and credit recommendations with official sources, qualified staff, internal policy, site visits, and authorized human approval before real-world use.\n\nRisk: The skill cannot independently verify borrower facts or retrieve records from credit, corporate registry, banking, or local file systems.\n\nMitigation: Treat outputs as analytical templates and require customer managers or risk staff to perform offline evidence checks and retain review records.\n\n## Reference(s):\n\n\n## Skill Output:\n\n**Output Type(s):** [text, markdown, guidance]\n\n**Output Format:** [Markdown with structured tables, checklists, and report templates]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Conversation-only analytical output; no code, tools, persistence, credential access, or external system access.]\n\n## Skill Version(s):\n\n5.0.2 (source: frontmatter and server release evidence)\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-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured... Skill: Bank Credit Investigation Owner: gechengling Summary: AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured... 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