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content enhancements focus on regulatory awareness and compliance documentation.\n\nv4.0.1 | 2026-05-25T03:31:49.777Z | auto\n\n- Added a new section summarizing 2026 Q1 bank regulatory updates, including ESG disclosure and supply chain finance requirements.\n- Memo template guidance updated to emphasize increased focus on ESG and supply chain finance modules in line with the latest regulations.\n- Regulatory update table and latest policy references included at the start of the documentation.\n- No changes to functionality or user prompts; changes improve awareness of banking compliance trends for users.\n\nv4.0.0 | 2026-05-19T13:48:43.836Z | auto\n\nVersion 4.0.0 introduces major metadata updates.\n\n- Added slug and expanded keywords for improved searchability and discoverability.\n- Enhanced description and keyword coverage to include more banking and credit assessment terms (e.g., 信贷审批, 贷款评估, 额度测算, 担保评估).\n- No changes to the report logic, workflow, or credit memo structure.\n- Maintains previous triggers and core functionality; update focuses on metadata and documentation clarity.\n\nv2.0.0 | 2026-05-11T06:10:17.571Z | auto\n\n**Major update with new regulatory and industry framework support:**\n\n- Added coverage of 2024–2026 Basel III risk weight framework.\n- Introduced ESG/green credit assessment capabilities and new memo structure.\n- Incorporated support for China real estate \"whitelist\" policy and digital supply chain finance scenarios.\n- Enhanced description and keywords for improved discoverability and relevance.\n- No changes to prompts or user flow; all core report templates remain, with added options for regulatory/green/group variants.\n\nv1.0.0 | 2026-05-07T07:58:41.867Z | user\n\nInitial release: AI-powered credit memo generator - financial analysis, internal rating, facility recommendation, and standard credit report generation\n\nArchive index:\n\nArchive v4.1.2: 3 files, 11045 bytes\n\nFiles: skill-card.md (2279b), SKILL.md (21949b), _meta.json (135b)\n\nFile v4.1.2:SKILL.md\n\n---\r\nname: Bank Credit Memo Writer\r\nslug: bank-credit-memo\r\ndescription: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations. Updated for 2024-2026 Basel III risk weight framework, ESG/green credit assessment, real estate \"whitelist\" policy, and digital supply chain finance. Keywords: credit memo, credit analysis, credit rating, loan approval, Basel III, ESG credit, China banking, 信用备忘录, 授信报告, 信用分析报告, 评级报告, 信贷审批, 贷款评估, 额度测算, 担保评估.\r\nversion: \"4.1.2\"\r\ntriggers:\r\n  - 信用备忘录\r\n  - 授信报告\r\n  - 信用分析报告\r\n  - 评级报告\r\n  - 授信建议\r\n  - 贷款审批报告\r\n  - 信用审查报告\r\n  - 额度审批\r\n  - 贷款评审报告\r\n---\r\n\r\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n## 数据最小化与产物确认前置声明（每次撰写前默认生效）\r\n\r\n- **最小化录入**：撰写备忘录只需**聚合财务数据与结论性信息**（如\"近三年营收 3.2/3.8/4.1 亿元，资产负债率 58%\"）。**不要粘贴完整报表原件、银行流水、员工花名册、客户/供应商名单、自然人证件信息。**\r\n- **强制脱敏**：客户名称可用\"某公司\"或项目编号替代；涉及自然人（实控人、保证人）一律用编号或化名。\r\n- **产物先预览后流转**：生成的备忘录、评级结论、授信建议先在对话中完整呈现，由客户经理核对事实与数据版本后，**经有权审批人签字方可进入审批流程**。本 Skill 不代为提交审批系统。\r\n- **不替代专业判断**：评级与授信建议为**分析框架产物**，须经风险经理独立复核；涉及 AI 辅助生成的结论须留痕（输入数据版本、撰写人、复核人、复核时间）。\r\n\r\n### 银行监管最新动态 [2026-06-15更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | NFRA 2026年第2号令：《银行保险机构许可证管理办法》6月1日施行 | 2026-06 | 信用备忘录需更新许可证信息展示 |\r\n| 监管动态 | Basel III资本管理办法持续实施，三重风险计量规则逐步落地 | 2026-H1 | 信用备忘录需更新资本占用计算（Basel III风险权重） |\r\n| 监管动态 | 2026年Q1银行监管处罚分析：消费者权益保护处罚占比提升 | 2026-Q1 | 信用备忘录需增加消费者权益保护评估 |\r\n| 政策更新 | 交易账簿资本要求风险敏感性提高，12家上市银行资本占用变化 | 2025-11 | 授信方案需考虑资本占用变化 |\r\n\r\n> **数据截止**: 2026-06-15 | 来源：国家金融监督管理总局、银行业协会、安永分析\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | 金融监管总局发布《关于银行业保险业人工智能安全开发应用的指导意见》，明确资金交易、资产评估、信贷审批等为AI高风险应用场景 | 2026-06-18 | 银行AI应用合规与信贷风控 |\r\n| 监管计划 | NFRA《2026年规章制定工作计划》新制定《银行业保险业网络安全管理办法》，银行网络安全与数据安全从指导意见升级为刚性规章 | 2026-06-23 | 银行网络安全与数据合规 |\r\n| 监管施行 | NFRA 2026年第2号令《银行保险机构许可证管理办法》6月1日起施行，银行许可证管理纳入内控自评估 | 2026-06-01 | 银行合规审查与许可证管理 |\r\n\r\n> **数据截止**: 2026-06-28 | 来源：国家金融监督管理总局、行业公开信息\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n### 授信审批相关动态 [2026-09-16更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 | 本 Skill 对应动作 |\r\n|---------|---------|---------|---------|-----------------|\r\n| AI 治理 | 信贷审批列为 AI 高风险应用场景，AI 辅助结论需人工复核与留痕 | 2026-Q3 | 备忘录撰写、评级建议 | Phase 4 备忘录新增\"AI 辅助说明与人工复核\"栏 |\r\n| 绿色金融 | 绿色信贷导向强化，绿色项目认定与存续期管理要求趋严 | 2026-H1 | 绿色信贷授信报告 | 绿色信贷版新增认定材料清单 |\r\n| 资本管理 | Basel III 风险计量持续落地，风险权重影响授信定价与资本占用 | 2026-H1 | 授信方案与定价 | 授信方案建议新增资本占用说明 |\r\n| 数据合规 | 网络与数据安全管理要求升格，客户数据使用边界更明确 | 2026-Q3 | 备忘录中的客户信息展示 | 前置声明强化脱敏要求 |\r\n\r\n> **数据截止**: 2026-09-16 | 来源：国家金融监督管理总局及行业公开信息整理\r\n> **声明**: 以上动态供参考，具体条款与执行口径**以官方最新发布为准**\r\n\r\n## Skill Overview\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Report Generation |\r\n| **Target Users** | Bank credit officers, credit committee members, relationship managers |\r\n| **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation |\r\n| **Industry** | Commercial bank credit approval, corporate lending |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nJust tell me the borrower details and I will generate a complete credit memo.\r\n\r\n**Example prompts:**\r\n- \"帮我写一份信用备忘录，对象是一家制造业企业\"\r\n- \"生成一份AAA级客户的年度授信复核报告\"\r\n- \"写一份信用评级下调分析报告\"\r\n- \"起草一份新的授信申请报告\"\r\n- \"帮我写一份绿色信贷项目的信用备忘录\"\r\n- \"帮我写一份短版备忘录，额度 300 万、续授信、无重大变化\"（新增）\r\n- \"客户评级从 A 下调到 BBB，帮我写下调分析报告\"（新增）\r\n\r\n---\r\n\r\n## Phase 1: Information Collection\r\n\r\n### I will ask for:\r\n\r\n**1. Basic Information**\r\n- Company name, industry, main products/services\r\n- Revenue scale (近3年收入)\r\n- Borrowing history with your bank\r\n- Purpose of this credit facility\r\n\r\n**2. Financial Data (if available)**\r\n- Latest balance sheet, income statement, cash flow statement\r\n- Key ratios (I can calculate from raw data)\r\n\r\n**3. Qualitative Information**\r\n- Industry outlook\r\n- Competitive position\r\n- Management quality\r\n- Recent developments\r\n\r\n**材料清单与必要性表（新增）**\r\n\r\n| 材料 | 必要性 | 用途 | 缺失时的处理 |\r\n|------|-------|------|------------|\r\n| 三年一期财务报表 | 必需 | 财务分析与比率计算 | 无报表则无法给出评级，仅能出框架 |\r\n| 最新营业执照与章程 | 必需 | 主体资格与股权核实 | 需补件后再进入评级 |\r\n| 征信查询授权与报告 | 必需 | 存量负债与履约记录 | 缺失不得提交审批 |\r\n| 担保物权属与评估 | 视担保方式 | 担保覆盖率测算 | 信用方式可豁免 |\r\n| 近一年银行流水 | 建议 | 收入与回款真实性 | 缺失时须说明并加强其他验证 |\r\n| 前五大客户/供应商名单 | 建议 | 集中度风险 | 缺失时按行业平均估计并标注假设 |\r\n| 环保与合规文件 | 特定行业必需 | ESG/绿色信贷评估 | 高耗能行业缺失不得评绿色 |\r\n\r\n---\r\n\r\n## Phase 2: Credit Analysis\r\n\r\n### Financial Ratio Analysis:\r\n\r\n| Category | Metrics Analyzed | 关注阈值（新增） | 异常时的追问方向（新增） |\r\n|----------|-----------------|---------------|---------------------|\r\n| Profitability | Net margin, ROE, ROA, Cost-to-income ratio | 净利率 <5% 警惕，ROE <8% 偏弱 | 毛利下滑还是费用上升？是否一次性损益 |\r\n| Capital Adequacy | D/E ratio, Debt service coverage | D/E >3x 警惕，DSCR <1.25x 关注 | 是否有表外负债、期限结构是否错配 |\r\n| Liquidity | Current ratio, Quick ratio, CFO quality | 流动比率 <1 风险，CFO 持续为负警惕 | 资金受限情况、是否存在短贷长用 |\r\n| Asset Quality | NPL ratio, Provision coverage, Write-off rate | 应收逾期率 >30% 关注 | 账龄结构、前十大欠款方回款情况 |\r\n| Growth | Revenue CAGR, Asset growth, Market share trend | 收入增速与应收增速背离需警惕 | 是否放宽信用政策冲量 |\r\n| **现金流质量**（新增） | CFO/净利润、自由现金流 | 持续 <0.6 需重点说明 | 收入确认时点与关联方资金占用 |\r\n\r\n**财务分析写作示例（新增）**\r\n\r\n> 收入端：近三年营业收入 3.2 / 3.8 / 4.1 亿元，复合增速 13.2%，增长主要来自华东区域新客户拓展。\r\n> 盈利端：毛利率由 24.1% 降至 21.6%，净利率由 8.3% 降至 6.9%，主因原材料涨价与销售费用上升。\r\n> 现金流：经营活动现金流净额 0.19 / 0.09 / −0.06 亿元，CFO/净利润由 0.72 降至负值，属\"增收不增现金\"。\r\n> 结论表述建议：**不写\"财务状况良好\"，而写\"收入保持增长但盈利与现金流同步走弱，偿债来源对外部融资依赖上升\"**——后者与数据一致，也更能支撑后续的风险提示与额度约束。\r\n\r\n### Industry Context:\r\n\r\n- Industry cyclicality assessment\r\n- Peer comparison (vs. sector average)\r\n- Macro environment impact analysis\r\n- Regulatory tailwinds/headwinds\r\n\r\n**行业分析写作要点表（新增）**\r\n\r\n| 要素 | 要回答的问题 | 常见缺陷 |\r\n|------|------------|---------|\r\n| 周期定位 | 当前处于周期哪个阶段 | 只描述行业不判断位置 |\r\n| 政策环境 | 是顺风还是逆风 | 罗列政策文件但不判断影响方向 |\r\n| 竞争地位 | 客户在行业中的位置 | 只写\"竞争激烈\"无量化对比 |\r\n| 可比公司 | 关键指标与同行中位数差异 | 缺少横向对比数据 |\r\n| 结论落点 | 对评级与额度的影响 | 行业分析与授信建议脱节 |\r\n\r\n### Business Risk Profile:\r\n\r\n- Revenue concentration (top customer %)\r\n- Margin sustainability (gross margin trend)\r\n- Operating leverage (fixed vs. variable costs)\r\n- Cash conversion cycle analysis\r\n\r\n---\r\n\r\n## Phase 3: Credit Rating (Internal 5-Tier + External Mapping)\r\n\r\n### Internal Rating Scale:\r\n\r\n| Rating | Grade | PD Estimate | Description | 授信政策含义（新增） |\r\n|--------|-------|------------|-------------|-------------------|\r\n| AAA | Investment Grade | <0.1% | Market leader, excellent financials | 可信用方式，年度复核 |\r\n| AA | Investment Grade | 0.1-0.5% | Strong, low risk | 可信用或保证，年度复核 |\r\n| A | Investment Grade | 0.5-2% | Good, stable | 建议保证担保，半年复核 |\r\n| BBB | Investment Grade | 2-5% | Acceptable, moderate risk | 建议抵质押，季度监控 |\r\n| BB | Speculative | 5-15% | Special mention, watch list | 足值抵押+约束条款，月度监控 |\r\n| B | Speculative | 15-30% | Substandard | 原则上不新增，考虑压退 |\r\n| C/D | Loss/Default | >30% | Non-performing | 不新增，走保全与处置流程 |\r\n\r\n### Rating Drivers Analysis:\r\n\r\n**Strengths (支持评级因素):**\r\n1. [Key strength 1]\r\n2. [Key strength 2]\r\n3. [Key strength 3]\r\n\r\n**Concerns (评级限制因素):**\r\n1. [Key concern 1]\r\n2. [Key concern 2]\r\n3. [Key concern 3]\r\n\r\n**Rating Outlook:** Stable / Positive / Negative / Developing\r\n\r\n**评级论证示例（新增）**\r\n\r\n> 支持因素：① 行业地位稳定，省内市场份额约 8%，排名前五；② 资产负债率 54%，低于行业中位数 61%；③ 与我行合作 6 年，历史履约记录良好，无逾期。\r\n> 限制因素：① CFO/净利润连续三年下滑并转负，现金流质量明显恶化；② 前五大客户收入占比 71%，其中第一大客户占 38%；③ 实控人持股平台股权质押比例较高，存在实控人流动性风险。\r\n> 综合判断：定量指标支持 A 档，但现金流与集中度两项定性因素构成实质限制 → 建议评级 **BBB**，展望**负面**。\r\n> 论证要点：**评级必须与限制因素相称**。若把现金流恶化只写在风险提示里而仍给 A 档，属于结论与依据脱节，是审批退回的常见原因。\r\n\r\n**评级下调分析示例（新增）**\r\n\r\n> 下调：A → BBB，展望负面。\r\n> 触发因素（须逐条对应数据）：① 经营性现金流连续两期为负；② 应收账款周转天数由 62 天升至 98 天；③ 新增对外担保占净资产 24%。\r\n> 影响：① 授信品种由信用调整为保证担保；② 额度由 5,000 万元压降至 3,000 万元；③ 监控频率由半年调整为季度。\r\n> 复评条件：连续两期经营现金流转正且应收周转天数回落至 75 天以内，可申请复评。\r\n> 写法要求：**先写触发因素，再写影响，最后写复评条件**；不得只给结果不列依据。\r\n\r\n---\r\n\r\n## Phase 4: Credit Memo Generation\r\n\r\n### Standard Credit Memo Structure:\r\n\r\n```markdown\r\n# 信用备忘录\r\n## Credit Memorandum\r\n\r\n**报告编号**：[编号]\r\n**客户名称**：[名称]\r\n**报告日期**：[日期]\r\n**报告撰写人**：[姓名]\r\n**信用评级**：[AAA/AA+/AA/...]\r\n**AI辅助说明**（新增）：[本报告由AI辅助生成，关键比率已由撰写人独立复算，复核人：___，复核时间：___]\r\n\r\n---\r\n\r\n## 一、授信申请摘要\r\n\r\n### 1.1 授信申请人基本情况\r\n[Company overview - 200 words]\r\n\r\n### 1.2 本次授信申请要素\r\n| 项目 | 内容 |\r\n|------|------|\r\n| 申请授信额度 | [X]万元 |\r\n| 授信类型 | [流动资金贷款/固定资产贷款/银行承兑汇票/信用证/保函] |\r\n| 授信期限 | [X个月/X年] |\r\n| 利率/费率 | [LPR+X bp / X%] |\r\n| 担保方式 | [信用/抵押/质押/保证] |\r\n| 贷款用途 | [描述] |\r\n| 还款来源 | [描述] |\r\n\r\n---\r\n\r\n## 二、客户信用分析\r\n\r\n### 2.1 股权结构\r\n[Ownership structure - key shareholders and UBO]\r\n\r\n### 2.2 经营情况\r\n[Business overview, revenue breakdown, key customers/suppliers]\r\n\r\n### 2.3 财务分析\r\n#### 2.3.1 盈利能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 行业平均 |\r\n|------|---------|---------|---------|---------|\r\n| 营业收入(万元) | | | | |\r\n| 净利润(万元) | | | | |\r\n| 毛利率 | | | | |\r\n| 净利率 | | | | |\r\n| ROE | | | | |\r\n| ROA | | | | |\r\n\r\n#### 2.3.2 偿债能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 资产负债率 | | | | |\r\n| 流动比率 | | | | |\r\n| 速动比率 | | | | |\r\n| 利息保障倍数 | | | | |\r\n| EBITDA(万元) | | | | |\r\n\r\n#### 2.3.3 运营能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 应收账款周转天数 | | | | |\r\n| 存货周转天数 | | | | |\r\n| 应付账款周转天数 | | | | |\r\n| 现金循环周期 | | | | |\r\n\r\n### 2.4 外部评级参考\r\n[Mapping from internal rating to external (Moody's/S&P/国内评级)]\r\n\r\n---\r\n\r\n## 三、行业分析与风险评估\r\n\r\n### 3.1 行业概况\r\n[Industry size, growth, regulatory environment]\r\n\r\n### 3.2 竞争地位\r\n[Market position, competitive advantages, barriers to entry]\r\n\r\n### 3.3 风险因素识别\r\n| 风险类型 | 风险描述 | 影响程度 | 缓释措施（新增） |\r\n|---------|---------|---------|---------------|\r\n| 行业风险 | [描述] | [高/中/低] | [措施] |\r\n| 经营风险 | [描述] | [高/中/低] | [措施] |\r\n| 财务风险 | [描述] | [高/中/低] | [措施] |\r\n| 担保风险 | [描述] | [高/中/低] | [措施] |\r\n| 合规风险 | [描述] | [高/中/低] | [措施] |\r\n\r\n---\r\n\r\n## 四、担保及增信措施\r\n\r\n### 4.1 本次担保安排\r\n| 担保方式 | 担保物/担保人 | 评估价值(万元) | 抵押率 | 权属核实（新增） |\r\n|---------|-------------|---------------|-------|---------------|\r\n| [抵押] | [物产名称/位置] | [X] | [X%] | [是否已核实在先抵押] |\r\n| [保证] | [保证人名称] | [X] | - | [代偿能力评估] |\r\n| [质押] | [质押物] | [X] | [X%] | [是否办理登记] |\r\n\r\n### 4.2 担保覆盖率评估\r\n- 担保敞口：[X]万元\r\n- 担保价值：[X]万元\r\n- 担保覆盖率：[X%] ≥ [基准要求]\r\n\r\n---\r\n\r\n## 五、综合评级与授信建议\r\n\r\n### 5.1 综合评级\r\n| 评级维度 | 权重 | 得分 | 加权得分 | 评分依据（新增） |\r\n|---------|------|------|---------|---------------|\r\n| 盈利能力 | 20% | | | [依据] |\r\n| 偿债能力 | 25% | | | [依据] |\r\n| 运营能力 | 15% | | | [依据] |\r\n| 资产质量 | 15% | | | [依据] |\r\n| 行业地位 | 15% | | | [依据] |\r\n| 管理质量 | 10% | | | [依据] |\r\n| **综合评分** | 100% | | | |\r\n\r\n**信用评级：[AAA/AA+/AA/A/BBB/BB/B/C]**\r\n\r\n### 5.2 授信方案建议\r\n\r\n| 授信要素 | 建议内容 |\r\n|---------|---------|\r\n| 授信额度 | [X]万元（较上期[X]万元变化及原因） |\r\n| 授信类型 | [综合授信/专项授信] |\r\n| 授信期限 | [X]年 |\r\n| 利率定价 | [LPR+X bp / X%]（基于评级） |\r\n| 担保要求 | [信用/满足[X]%抵押率] |\r\n| 额度分配 | 流动资金[X]万 + 银行承兑[X]万 + 保函[X]万 |\r\n| 资本占用说明（新增） | [本笔业务风险权重与资本占用估算，供定价参考] |\r\n\r\n### 5.3 关键授信条件（重要约束）\r\n1. [条件1，如：D/E ≤ 3x]\r\n2. [条件2，如：季度报告提交]\r\n3. [条件3，如：资金归行率≥50%]\r\n\r\n### 5.4 贷后管理重点\r\n- 监控频率：[季度/半年]\r\n- 关注指标：[DSCR / D/E / 销售回款]\r\n- 预警阈值：[具体数值]\r\n- 处置预案：[触发条件及措施]\r\n\r\n---\r\n\r\n## 六、审阅与批准\r\n\r\n| 角色 | 姓名 | 日期 | 签名 |\r\n|------|------|------|------|\r\n| 客户经理 | | | |\r\n| 风险经理 | | | |\r\n| 分管审批 | | | |\r\n| 审批委员会 | | | |\r\n\r\n---\r\n\r\n**免责声明**：本信用备忘录由AI辅助生成，仅供内部审贷参考。最终授信决策须经有权审批人审慎评估后作出。\r\n```\r\n\r\n**备忘录常见退回原因表（新增）**\r\n\r\n| 退回原因 | 具体表现 | 修改要求 |\r\n|---------|---------|---------|\r\n| 结论与依据脱节 | 风险描述严重但评级偏松 | 调整评级或在文中说明为何不构成实质限制 |\r\n| 数据来源不明 | 关键数字未标注来源与期间 | 补充来源、口径与截止日 |\r\n| 缺缓释措施 | 只列风险不写对策 | 每项风险对应一条可执行的缓释措施 |\r\n| 担保描述不完整 | 未核实权属与在先抵押 | 补充权属核实与登记状态 |\r\n| 额度变化无解释 | 与上期差异未说明原因 | 写明变化驱动因素 |\r\n| 缺人工复核痕迹 | AI 生成内容无复核人 | 补充复核人与复核时间 |\r\n\r\n---\r\n\r\n## Report Variations\r\n\r\n### Short Memo (简化版，额度≤500万):\r\n```\r\n适用场景：快速审批、续授信、转授权范围内\r\n结构：摘要 + 核心财务数据 + 风险提示 + 授信建议 + 审批记录\r\n字数：约800-1000字\r\n```\r\n\r\n**短版示例骨架（新增）**\r\n```\r\n一、申请摘要：额度 300 万元，续授信，用途为流动资金周转，期限 12 个月。\r\n二、核心变化：与上期相比，营业收入增长 9%，资产负债率由 56% 降至 53%，\r\n    经营现金流由 −200 万元转为 +400 万元；无新增对外担保，无重大诉讼。\r\n三、风险提示：前两大客户收入占比 58%，集中度偏高。\r\n四、授信建议：维持额度 300 万元，担保方式不变，季度监控，\r\n    触发条件：单一客户占比超 65% 时启动重检。\r\n五、审批记录：客户经理 / 风险经理 / 分管审批\r\n```\r\n\r\n### Green Credit Memo (绿色信贷专用版):\r\n```\r\n额外维度：碳排放/能耗/环保合规/绿色项目认定\r\n政策契合度评估：[符合/部分符合/不符合绿色信贷导向]\r\nESG评级建议：[A/B/C]\r\n```\r\n\r\n**绿色信贷认定材料清单（新增）**\r\n\r\n| 材料 | 用途 | 缺失影响 |\r\n|------|------|---------|\r\n| 项目绿色认定文件/第三方认证 | 证明符合绿色项目目录 | 无法适用绿色专项政策 |\r\n| 能耗与排放数据 | 环境效益测算 | 无法量化减排效果 |\r\n| 环保合规证明（无重大处罚） | ESG 风险排查 | 存在合规瑕疵，需降级处理 |\r\n| 存续期环境信息披露安排 | 存续期管理要求 | 不满足存续期管理要求 |\r\n\r\n### Group Credit Memo (集团客户版):\r\n```\r\n合并范围分析、关联交易风险、连带责任评估、\r\n内部评级统一还是分别评级、集团限额管理\r\n```\r\n\r\n### Collateral-Focused Memo (抵质押专项版，新增):\r\n```\r\n适用场景：以押品为主要风险缓释的授信\r\n额外维度：押品权属与在先抵押、估值方法与折率、\r\n变现能力与处置周期、押品价值重估频率\r\n```\r\n\r\n### Watch List Memo (关注类专项版，新增):\r\n```\r\n适用场景：评级下调、触发预警、需要调整授信条件\r\n结构：触发事件 → 影响评估 → 调整方案 → 复评条件 → 处置预案\r\n```\r\n\r\n---\r\n\r\n## Quick Prompts / 常用指令（新增）\r\n\r\n- \"帮我写一份制造业客户的完整信用备忘录，评级 BBB，额度 3,000 万\"\r\n- \"写一份短版备忘录：续授信 300 万，无重大变化\"\r\n- \"客户评级从 A 下调到 BBB，帮我写评级下调分析报告\"\r\n- \"帮我写绿色信贷版备忘录，并列出需要补充的认定材料\"\r\n- \"这份备忘录草稿帮我检查有没有结论与依据脱节的问题\"\r\n\r\n## Disclaimer\r\n\r\nThis skill generates credit analysis reports for bank internal use. AI-generated memos require thorough review by qualified credit officers and approval from appropriate credit committee authority. This tool does not replace professional credit judgment. All credit decisions remain the responsibility of authorized bank personnel.\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、不写入审批系统；备忘录须经客户经理与风险经理复核签字后方可提交。\n\nFile v4.1.2:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-memo\",\n  \"version\": \"4.1.2\",\n  \"publishedAt\": 1789537921789\n}\n\nFile v4.1.2:skill-card.md\n\n## Description:\n\nAI-powered bank credit memo and credit analysis report writer that generates structured credit analysis reports, credit ratings, and facility recommendations.\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, credit committee members, and relationship managers use this skill to draft internal credit memos, rating rationales, facility recommendations, and specialized credit-analysis report variants from borrower and financial inputs.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The skill may process sensitive borrower, financial, or personal guarantor information during credit memo drafting.\n\nMitigation: Use sanitized or appropriately authorized credit-analysis data, minimize inputs to aggregated financial and conclusion-level information, and avoid full bank statements, raw reports, customer lists, supplier lists, employee rosters, and natural-person identity details.\n\nRisk: Generated credit ratings, facility recommendations, and memo conclusions could be incorrect or incomplete if source data is stale, unsourced, or not independently checked.\n\nMitigation: Treat all outputs as drafts for qualified credit officers, risk managers, and authorized approvers to verify against source data before any lending decision or approval workflow.\n\n## Reference(s):\n\n- [Bank Credit Memo ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-memo)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Guidance]\n\n**Output Format:** [Markdown reports and structured memo sections]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Draft credit ratings, facility recommendations, risk tables, review checklists, and memo variants require qualified human review before use in credit decisions.]\n\n## Skill Version(s):\n\n4.1.2 (source: frontmatter and server release metadata)\n\n## Ethical Considerations:\n\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment.\n\nArchive v4.1.1: 5 files, 8446 bytes\n\nFiles: package.json (874b), README.md (2068b), skill-card.md (2169b), SKILL.md (11483b), _meta.json (135b)\n\nFile v4.1.1:SKILL.md\n\n---\r\nname: Bank Credit Memo Writer\r\nslug: bank-credit-memo\r\ndescription: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations. Updated for 2024-2026 Basel III risk weight framework, ESG/green credit assessment, real estate \"whitelist\" policy, and digital supply chain finance. Keywords: credit memo, credit analysis, credit rating, loan approval, Basel III, ESG credit, China banking, 信用备忘录, 授信报告, 信用分析报告, 评级报告, 信贷审批, 贷款评估, 额度测算, 担保评估.\r\nversion: \"4.1.1\"\r\ntriggers:\r\n  - 信用备忘录\r\n  - 授信报告\r\n  - 信用分析报告\r\n  - 评级报告\r\n  - 授信建议\r\n  - 贷款审批报告\r\n  - 信用审查报告\r\n  - 额度审批\r\n  - 贷款评审报告\r\n---\r\n\r\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n\r\n### 银行监管最新动态 [2026-06-15更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | NFRA 2026年第2号令：《银行保险机构许可证管理办法》6月1日施行 | 2026-06 | 信用备忘录需更新许可证信息展示 |\r\n| 监管动态 | Basel III资本管理办法持续实施，三重风险计量规则逐步落地 | 2026-H1 | 信用备忘录需更新资本占用计算（Basel III风险权重） |\r\n| 监管动态 | 2026年Q1银行监管处罚分析：消费者权益保护处罚占比提升 | 2026-Q1 | 信用备忘录需增加消费者权益保护评估 |\r\n| 政策更新 | 交易账簿资本要求风险敏感性提高，12家上市银行资本占用变化 | 2025-11 | 授信方案需考虑资本占用变化 |\r\n\r\n> **数据截止**: 2026-06-15 | 来源：国家金融监督管理总局、银行业协会、安永分析\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | 金融监管总局发布《关于银行业保险业人工智能安全开发应用的指导意见》，明确资金交易、资产评估、信贷审批等为AI高风险应用场景 | 2026-06-18 | 银行AI应用合规与信贷风控 |\r\n| 监管计划 | NFRA《2026年规章制定工作计划》新制定《银行业保险业网络安全管理办法》，银行网络安全与数据安全从指导意见升级为刚性规章 | 2026-06-23 | 银行网络安全与数据合规 |\r\n| 监管施行 | NFRA 2026年第2号令《银行保险机构许可证管理办法》6月1日起施行，银行许可证管理纳入内控自评估 | 2026-06-01 | 银行合规审查与许可证管理 |\r\n\r\n> **数据截止**: 2026-06-28 | 来源：国家金融监督管理总局、行业公开信息\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n## Skill Overview\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Report Generation |\r\n| **Target Users** | Bank credit officers, credit committee members, relationship managers |\r\n| **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation |\r\n| **Industry** | Commercial bank credit approval, corporate lending |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nJust tell me the borrower details and I will generate a complete credit memo.\r\n\r\n**Example prompts:**\r\n- \"帮我写一份信用备忘录，对象是一家制造业企业\"\r\n- \"生成一份AAA级客户的年度授信复核报告\"\r\n- \"写一份信用评级下调分析报告\"\r\n- \"起草一份新的授信申请报告\"\r\n- \"帮我写一份绿色信贷项目的信用备忘录\"\r\n\r\n---\r\n\r\n## Phase 1: Information Collection\r\n\r\n### I will ask for:\r\n\r\n**1. Basic Information**\r\n- Company name, industry, main products/services\r\n- Revenue scale (近3年收入)\r\n- Borrowing history with your bank\r\n- Purpose of this credit facility\r\n\r\n**2. Financial Data (if available)**\r\n- Latest balance sheet, income statement, cash flow statement\r\n- Key ratios (I can calculate from raw data)\r\n\r\n**3. Qualitative Information**\r\n- Industry outlook\r\n- Competitive position\r\n- Management quality\r\n- Recent developments\r\n\r\n---\r\n\r\n## Phase 2: Credit Analysis\r\n\r\n### Financial Ratio Analysis:\r\n\r\n| Category | Metrics Analyzed |\r\n|----------|-----------------|\r\n| Profitability | Net margin, ROE, ROA, Cost-to-income ratio |\r\n| Capital Adequacy | D/E ratio, Debt service coverage |\r\n| Liquidity | Current ratio, Quick ratio, CFO quality |\r\n| Asset Quality | NPL ratio, Provision coverage, Write-off rate |\r\n| Growth | Revenue CAGR, Asset growth, Market share trend |\r\n\r\n### Industry Context:\r\n\r\n- Industry cyclicality assessment\r\n- Peer comparison (vs. sector average)\r\n- Macro environment impact analysis\r\n- Regulatory tailwinds/headwinds\r\n\r\n### Business Risk Profile:\r\n\r\n- Revenue concentration (top customer %)\r\n- Margin sustainability (gross margin trend)\r\n- Operating leverage (fixed vs. variable costs)\r\n- Cash conversion cycle analysis\r\n\r\n---\r\n\r\n## Phase 3: Credit Rating (Internal 5-Tier + External Mapping)\r\n\r\n### Internal Rating Scale:\r\n\r\n| Rating | Grade | PD Estimate | Description |\r\n|--------|-------|------------|-------------|\r\n| AAA | Investment Grade | <0.1% | Market leader, excellent financials |\r\n| AA | Investment Grade | 0.1-0.5% | Strong, low risk |\r\n| A | Investment Grade | 0.5-2% | Good, stable |\r\n| BBB | Investment Grade | 2-5% | Acceptable, moderate risk |\r\n| BB | Speculative | 5-15% | Special mention, watch list |\r\n| B | Speculative | 15-30% | Substandard |\r\n| C/D | Loss/Default | >30% | Non-performing |\r\n\r\n### Rating Drivers Analysis:\r\n\r\n**Strengths (支持评级因素):**\r\n1. [Key strength 1]\r\n2. [Key strength 2]\r\n3. [Key strength 3]\r\n\r\n**Concerns (评级限制因素):**\r\n1. [Key concern 1]\r\n2. [Key concern 2]\r\n3. [Key concern 3]\r\n\r\n**Rating Outlook:** Stable / Positive / Negative / Developing\r\n\r\n---\r\n\r\n## Phase 4: Credit Memo Generation\r\n\r\n### Standard Credit Memo Structure:\r\n\r\n```markdown\r\n# 信用备忘录\r\n## Credit Memorandum\r\n\r\n**报告编号**：[编号]\r\n**客户名称**：[名称]\r\n**报告日期**：[日期]\r\n**报告撰写人**：[姓名]\r\n**信用评级**：[AAA/AA+/AA/...]\r\n\r\n---\r\n\r\n## 一、授信申请摘要\r\n\r\n### 1.1 授信申请人基本情况\r\n[Company overview - 200 words]\r\n\r\n### 1.2 本次授信申请要素\r\n| 项目 | 内容 |\r\n|------|------|\r\n| 申请授信额度 | [X]万元 |\r\n| 授信类型 | [流动资金贷款/固定资产贷款/银行承兑汇票/信用证/保函] |\r\n| 授信期限 | [X个月/X年] |\r\n| 利率/费率 | [LPR+X bp / X%] |\r\n| 担保方式 | [信用/抵押/质押/保证] |\r\n| 贷款用途 | [描述] |\r\n| 还款来源 | [描述] |\r\n\r\n---\r\n\r\n## 二、客户信用分析\r\n\r\n### 2.1 股权结构\r\n[Ownership structure - key shareholders and UBO]\r\n\r\n### 2.2 经营情况\r\n[Business overview, revenue breakdown, key customers/suppliers]\r\n\r\n### 2.3 财务分析\r\n#### 2.3.1 盈利能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 行业平均 |\r\n|------|---------|---------|---------|---------|\r\n| 营业收入(万元) | | | | |\r\n| 净利润(万元) | | | | |\r\n| 毛利率 | | | | |\r\n| 净利率 | | | | |\r\n| ROE | | | | |\r\n| ROA | | | | |\r\n\r\n#### 2.3.2 偿债能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 资产负债率 | | | | |\r\n| 流动比率 | | | | |\r\n| 速动比率 | | | | |\r\n| 利息保障倍数 | | | | |\r\n| EBITDA(万元) | | | | |\r\n\r\n#### 2.3.3 运营能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 应收账款周转天数 | | | | |\r\n| 存货周转天数 | | | | |\r\n| 应付账款周转天数 | | | | |\r\n| 现金循环周期 | | | | |\r\n\r\n### 2.4 外部评级参考\r\n[Mapping from internal rating to external (Moody's/S&P/国内评级)]\r\n\r\n---\r\n\r\n## 三、行业分析与风险评估\r\n\r\n### 3.1 行业概况\r\n[Industry size, growth, regulatory environment]\r\n\r\n### 3.2 竞争地位\r\n[Market position, competitive advantages, barriers to entry]\r\n\r\n### 3.3 风险因素识别\r\n| 风险类型 | 风险描述 | 影响程度 |\r\n|---------|---------|---------|\r\n| 行业风险 | [描述] | [高/中/低] |\r\n| 经营风险 | [描述] | [高/中/低] |\r\n| 财务风险 | [描述] | [高/中/低] |\r\n| 担保风险 | [描述] | [高/中/低] |\r\n| 合规风险 | [描述] | [高/中/低] |\r\n\r\n---\r\n\r\n## 四、担保及增信措施\r\n\r\n### 4.1 本次担保安排\r\n| 担保方式 | 担保物/担保人 | 评估价值(万元) | 抵押率 |\r\n|---------|-------------|---------------|-------|\r\n| [抵押] | [物产名称/位置] | [X] | [X%] |\r\n| [保证] | [保证人名称] | [X] | - |\r\n| [质押] | [质押物] | [X] | [X%] |\r\n\r\n### 4.2 担保覆盖率评估\r\n- 担保敞口：[X]万元\r\n- 担保价值：[X]万元\r\n- 担保覆盖率：[X%] ≥ [基准要求]\r\n\r\n---\r\n\r\n## 五、综合评级与授信建议\r\n\r\n### 5.1 综合评级\r\n| 评级维度 | 权重 | 得分 | 加权得分 |\r\n|---------|------|------|---------|\r\n| 盈利能力 | 20% | | |\r\n| 偿债能力 | 25% | | |\r\n| 运营能力 | 15% | | |\r\n| 资产质量 | 15% | | |\r\n| 行业地位 | 15% | | |\r\n| 管理质量 | 10% | | |\r\n| **综合评分** | 100% | | |\r\n\r\n**信用评级：[AAA/AA+/AA/A/BBB/BB/B/C]**\r\n\r\n### 5.2 授信方案建议\r\n\r\n| 授信要素 | 建议内容 |\r\n|---------|---------|\r\n| 授信额度 | [X]万元（较上期[X]万元变化及原因） |\r\n| 授信类型 | [综合授信/专项授信] |\r\n| 授信期限 | [X]年 |\r\n| 利率定价 | [LPR+X bp / X%]（基于评级） |\r\n| 担保要求 | [信用/满足[X]%抵押率] |\r\n| 额度分配 | 流动资金[X]万 + 银行承兑[X]万 + 保函[X]万 |\r\n\r\n### 5.3 关键授信条件（重要约束）\r\n1. [条件1，如：D/E ≤ 3x]\r\n2. [条件2，如：季度报告提交]\r\n3. [条件3，如：资金归行率≥50%]\r\n\r\n### 5.4 贷后管理重点\r\n- 监控频率：[季度/半年]\r\n- 关注指标：[DSCR / D/E / 销售回款]\r\n- 预警阈值：[具体数值]\r\n- 处置预案：[触发条件及措施]\r\n\r\n---\r\n\r\n## 六、审阅与批准\r\n\r\n| 角色 | 姓名 | 日期 | 签名 |\r\n|------|------|------|------|\r\n| 客户经理 | | | |\r\n| 风险经理 | | | |\r\n| 分管审批 | | | |\r\n| 审批委员会 | | | |\r\n\r\n---\r\n\r\n**免责声明**：本信用备忘录由AI辅助生成，仅供内部审贷参考。最终授信决策须经有权审批人审慎评估后作出。\r\n```\r\n\r\n---\r\n\r\n## Report Variations\r\n\r\n### Short Memo (简化版，额度≤500万):\r\n```\r\n适用场景：快速审批、续授信、转授权范围内\r\n结构：摘要 + 核心财务数据 + 风险提示 + 授信建议 + 审批记录\r\n字数：约800-1000字\r\n```\r\n\r\n### Green Credit Memo (绿色信贷专用版):\r\n```\r\n额外维度：碳排放/能耗/环保合规/绿色项目认定\r\n政策契合度评估：[符合/部分符合/不符合绿色信贷导向]\r\nESG评级建议：[A/B/C]\r\n```\r\n\r\n### Group Credit Memo (集团客户版):\r\n```\r\n合并范围分析、关联交易风险、连带责任评估、\r\n内部评级统一还是分别评级、集团限额管理\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill generates credit analysis reports for bank internal use. AI-generated memos require thorough review by qualified credit officers and approval from appropriate credit committee authority. This tool does not replace professional credit judgment. All credit decisions remain the responsibility of authorized bank personnel.\n\nFile v4.1.1:README.md\n\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n> *AI-powered credit memo generator for commercial banks — from financial analysis to structured credit reports and facility recommendations.*\r\n\r\n> AI驱动的商业银行信用备忘录生成工具——从财务分析到结构化授信报告，一键生成。\r\n\r\n---\r\n\r\n## Overview\r\n\r\nThis skill generates professional credit memos for bank credit officers. It covers borrower financial analysis, internal credit rating, credit facility recommendations, and complete credit memo documentation following standard bank formats.\r\n\r\n本工具为银行信贷人员生成专业信用备忘录，涵盖借款人财务分析、内部信用评级、授信额度建议及符合行内规范的完整信用备忘录文档。\r\n\r\n## Installation\r\n\r\n```bash\r\nclawhub install bank-credit-memo\r\n```\r\n\r\n## Core Capabilities\r\n\r\n| Capability | Description |\r\n|------------|-------------|\r\n| Financial Analysis | 3-year ratio analysis, peer comparison, trend analysis |\r\n| Credit Rating | Internal 5-tier rating (AAA→D) with external mapping |\r\n| Memo Generation | Complete credit memo in bank standard format |\r\n| Facility Recommendation | Amount, tenor, pricing, covenants, monitoring indicators |\r\n| Green Credit Support | ESG/green credit memo with carbon/environmental metrics |\r\n\r\n## Use Cases\r\n\r\n- **New credit application** (新客户授信申请)\r\n- **Credit renewal review** (存量客户续授信)\r\n- **Credit upgrade/downgrade analysis** (评级调整分析)\r\n- **Group credit assessment** (集团客户统一授信)\r\n- **Green credit facility** (绿色信贷项目评估)\r\n\r\n## Report Format\r\n\r\nFollows standard commercial bank credit memo format with sections:\r\n1. Executive Summary & Application\r\n2. Credit Analysis (Financials + Qualitative)\r\n3. Industry & Risk Assessment\r\n4. Security & Collateral\r\n5. Rating & Recommendation\r\n6. Approval Sign-off\r\n\r\n---\r\n**Skill Link:** https://clawhub.ai/gechengling/bank-credit-memo  \r\n**Author:** @gechengling  \r\n**Install:** `clawhub install bank-credit-memo`\n\nFile v4.1.1:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-memo\",\n  \"version\": \"4.1.1\",\n  \"publishedAt\": 1782652526539\n}\n\nFile v4.1.1:skill-card.md\n\n## Description: <br>\nAI-powered bank credit memo and credit analysis report writer that generates structured credit analysis reports, credit ratings, and facility recommendations. <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, credit committee members, and relationship managers use this skill to draft internal commercial credit memos for new applications, renewals, rating changes, group credit assessments, and green credit facilities. <br>\n\n### Deployment Geography for Use: <br>\nGlobal <br>\n\n## Known Risks and Mitigations: <br>\nRisk: Credit memo drafting may involve borrower, customer, UBO, or other confidential banking data. <br>\nMitigation: Use redacted or synthetic inputs unless the environment is approved for regulated financial information, and avoid pasting real confidential data into unapproved systems. <br>\nRisk: AI-generated credit analysis can be incomplete, outdated, or unsuitable for final lending decisions. <br>\nMitigation: Have qualified credit staff review all outputs and route final decisions through authorized bank approval processes. <br>\n\n\n## Reference(s): <br>\n- [Bank Credit Memo README](README.md) <br>\n- [Bank Credit Memo Skill Definition](SKILL.md) <br>\n- [ClawHub Skill Page](https://clawhub.ai/gechengling/skills/bank-credit-memo) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [text, markdown, guidance] <br>\n**Output Format:** [Markdown credit memo drafts with structured tables and narrative analysis] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Outputs require review by qualified credit staff before use in lending decisions.] <br>\n\n## Skill Version(s): <br>\n4.1.1 (source: SKILL.md frontmatter and 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 v4.1.1:package.json\n\n{\r\n  \"name\": \"bank-credit-memo\",\r\n  \"version\": \"1.0.0\",\r\n  \"description\": \"AI-powered bank credit memo writer - generate structured credit analysis reports, credit ratings, and facility recommendations\",\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 memo\",\r\n    \"credit analysis\",\r\n    \"credit rating\",\r\n    \"lending\",\r\n    \"facility\",\r\n    \"信用备忘录\",\r\n    \"授信报告\",\r\n    \"信用评级\",\r\n    \"贷款审批\"\r\n  ],\r\n  \"author\": \"gechengling\",\r\n  \"license\": \"MIT\",\r\n  \"skill\": {\r\n    \"type\": \"conversation\",\r\n    \"triggers\": [\r\n      \"信用备忘录\",\r\n      \"授信报告\",\r\n      \"信用分析报告\",\r\n      \"评级报告\",\r\n      \"授信建议\",\r\n      \"贷款审批报告\",\r\n      \"信用审查报告\",\r\n      \"额度审批\",\r\n      \"贷款评审报告\"\r\n    ]\r\n  }\r\n}\n\nArchive v4.0.1: 5 files, 8076 bytes\n\nFiles: package.json (874b), README.md (2068b), skill-card.md (2453b), SKILL.md (10268b), _meta.json (135b)\n\nFile v4.0.1:SKILL.md\n\n---\r\nname: Bank Credit Memo Writer\r\nslug: bank-credit-memo\r\ndescription: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations. Updated for 2024-2026 Basel III risk weight framework, ESG/green credit assessment, real estate \"whitelist\" policy, and digital supply chain finance. Keywords: credit memo, credit analysis, credit rating, loan approval, Basel III, ESG credit, China banking, 信用备忘录, 授信报告, 信用分析报告, 评级报告, 信贷审批, 贷款评估, 额度测算, 担保评估.\r\nversion: \"4.0.1\"\r\ntriggers:\r\n  - 信用备忘录\r\n  - 授信报告\r\n  - 信用分析报告\r\n  - 评级报告\r\n  - 授信建议\r\n  - 贷款审批报告\r\n  - 信用审查报告\r\n  - 额度审批\r\n  - 贷款评审报告\r\n---\r\n\r\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\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：信贷资产质量关注点增加，关注类贷款迁徙率需监控 | 授信备忘录模板需增加ESG和供应链金融评估模块 |\r\n| 银行监管 | ESG信息披露扩大至非上市企业，授信备忘录需增加ESG评估 | 授信备忘录模板需增加ESG和供应链金融评估模块 |\r\n| 银行监管 | 供应链金融监管规范更新，应收账款融资尽调逻辑调整 | 授信备忘录模板需增加ESG和供应链金融评估模块 |\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| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Report Generation |\r\n| **Target Users** | Bank credit officers, credit committee members, relationship managers |\r\n| **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation |\r\n| **Industry** | Commercial bank credit approval, corporate lending |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nJust tell me the borrower details and I will generate a complete credit memo.\r\n\r\n**Example prompts:**\r\n- \"帮我写一份信用备忘录，对象是一家制造业企业\"\r\n- \"生成一份AAA级客户的年度授信复核报告\"\r\n- \"写一份信用评级下调分析报告\"\r\n- \"起草一份新的授信申请报告\"\r\n- \"帮我写一份绿色信贷项目的信用备忘录\"\r\n\r\n---\r\n\r\n## Phase 1: Information Collection\r\n\r\n### I will ask for:\r\n\r\n**1. Basic Information**\r\n- Company name, industry, main products/services\r\n- Revenue scale (近3年收入)\r\n- Borrowing history with your bank\r\n- Purpose of this credit facility\r\n\r\n**2. Financial Data (if available)**\r\n- Latest balance sheet, income statement, cash flow statement\r\n- Key ratios (I can calculate from raw data)\r\n\r\n**3. Qualitative Information**\r\n- Industry outlook\r\n- Competitive position\r\n- Management quality\r\n- Recent developments\r\n\r\n---\r\n\r\n## Phase 2: Credit Analysis\r\n\r\n### Financial Ratio Analysis:\r\n\r\n| Category | Metrics Analyzed |\r\n|----------|-----------------|\r\n| Profitability | Net margin, ROE, ROA, Cost-to-income ratio |\r\n| Capital Adequacy | D/E ratio, Debt service coverage |\r\n| Liquidity | Current ratio, Quick ratio, CFO quality |\r\n| Asset Quality | NPL ratio, Provision coverage, Write-off rate |\r\n| Growth | Revenue CAGR, Asset growth, Market share trend |\r\n\r\n### Industry Context:\r\n\r\n- Industry cyclicality assessment\r\n- Peer comparison (vs. sector average)\r\n- Macro environment impact analysis\r\n- Regulatory tailwinds/headwinds\r\n\r\n### Business Risk Profile:\r\n\r\n- Revenue concentration (top customer %)\r\n- Margin sustainability (gross margin trend)\r\n- Operating leverage (fixed vs. variable costs)\r\n- Cash conversion cycle analysis\r\n\r\n---\r\n\r\n## Phase 3: Credit Rating (Internal 5-Tier + External Mapping)\r\n\r\n### Internal Rating Scale:\r\n\r\n| Rating | Grade | PD Estimate | Description |\r\n|--------|-------|------------|-------------|\r\n| AAA | Investment Grade | <0.1% | Market leader, excellent financials |\r\n| AA | Investment Grade | 0.1-0.5% | Strong, low risk |\r\n| A | Investment Grade | 0.5-2% | Good, stable |\r\n| BBB | Investment Grade | 2-5% | Acceptable, moderate risk |\r\n| BB | Speculative | 5-15% | Special mention, watch list |\r\n| B | Speculative | 15-30% | Substandard |\r\n| C/D | Loss/Default | >30% | Non-performing |\r\n\r\n### Rating Drivers Analysis:\r\n\r\n**Strengths (支持评级因素):**\r\n1. [Key strength 1]\r\n2. [Key strength 2]\r\n3. [Key strength 3]\r\n\r\n**Concerns (评级限制因素):**\r\n1. [Key concern 1]\r\n2. [Key concern 2]\r\n3. [Key concern 3]\r\n\r\n**Rating Outlook:** Stable / Positive / Negative / Developing\r\n\r\n---\r\n\r\n## Phase 4: Credit Memo Generation\r\n\r\n### Standard Credit Memo Structure:\r\n\r\n```markdown\r\n# 信用备忘录\r\n## Credit Memorandum\r\n\r\n**报告编号**：[编号]\r\n**客户名称**：[名称]\r\n**报告日期**：[日期]\r\n**报告撰写人**：[姓名]\r\n**信用评级**：[AAA/AA+/AA/...]\r\n\r\n---\r\n\r\n## 一、授信申请摘要\r\n\r\n### 1.1 授信申请人基本情况\r\n[Company overview - 200 words]\r\n\r\n### 1.2 本次授信申请要素\r\n| 项目 | 内容 |\r\n|------|------|\r\n| 申请授信额度 | [X]万元 |\r\n| 授信类型 | [流动资金贷款/固定资产贷款/银行承兑汇票/信用证/保函] |\r\n| 授信期限 | [X个月/X年] |\r\n| 利率/费率 | [LPR+X bp / X%] |\r\n| 担保方式 | [信用/抵押/质押/保证] |\r\n| 贷款用途 | [描述] |\r\n| 还款来源 | [描述] |\r\n\r\n---\r\n\r\n## 二、客户信用分析\r\n\r\n### 2.1 股权结构\r\n[Ownership structure - key shareholders and UBO]\r\n\r\n### 2.2 经营情况\r\n[Business overview, revenue breakdown, key customers/suppliers]\r\n\r\n### 2.3 财务分析\r\n#### 2.3.1 盈利能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 行业平均 |\r\n|------|---------|---------|---------|---------|\r\n| 营业收入(万元) | | | | |\r\n| 净利润(万元) | | | | |\r\n| 毛利率 | | | | |\r\n| 净利率 | | | | |\r\n| ROE | | | | |\r\n| ROA | | | | |\r\n\r\n#### 2.3.2 偿债能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 资产负债率 | | | | |\r\n| 流动比率 | | | | |\r\n| 速动比率 | | | | |\r\n| 利息保障倍数 | | | | |\r\n| EBITDA(万元) | | | | |\r\n\r\n#### 2.3.3 运营能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 应收账款周转天数 | | | | |\r\n| 存货周转天数 | | | | |\r\n| 应付账款周转天数 | | | | |\r\n| 现金循环周期 | | | | |\r\n\r\n### 2.4 外部评级参考\r\n[Mapping from internal rating to external (Moody's/S&P/国内评级)]\r\n\r\n---\r\n\r\n## 三、行业分析与风险评估\r\n\r\n### 3.1 行业概况\r\n[Industry size, growth, regulatory environment]\r\n\r\n### 3.2 竞争地位\r\n[Market position, competitive advantages, barriers to entry]\r\n\r\n### 3.3 风险因素识别\r\n| 风险类型 | 风险描述 | 影响程度 |\r\n|---------|---------|---------|\r\n| 行业风险 | [描述] | [高/中/低] |\r\n| 经营风险 | [描述] | [高/中/低] |\r\n| 财务风险 | [描述] | [高/中/低] |\r\n| 担保风险 | [描述] | [高/中/低] |\r\n| 合规风险 | [描述] | [高/中/低] |\r\n\r\n---\r\n\r\n## 四、担保及增信措施\r\n\r\n### 4.1 本次担保安排\r\n| 担保方式 | 担保物/担保人 | 评估价值(万元) | 抵押率 |\r\n|---------|-------------|---------------|-------|\r\n| [抵押] | [物产名称/位置] | [X] | [X%] |\r\n| [保证] | [保证人名称] | [X] | - |\r\n| [质押] | [质押物] | [X] | [X%] |\r\n\r\n### 4.2 担保覆盖率评估\r\n- 担保敞口：[X]万元\r\n- 担保价值：[X]万元\r\n- 担保覆盖率：[X%] ≥ [基准要求]\r\n\r\n---\r\n\r\n## 五、综合评级与授信建议\r\n\r\n### 5.1 综合评级\r\n| 评级维度 | 权重 | 得分 | 加权得分 |\r\n|---------|------|------|---------|\r\n| 盈利能力 | 20% | | |\r\n| 偿债能力 | 25% | | |\r\n| 运营能力 | 15% | | |\r\n| 资产质量 | 15% | | |\r\n| 行业地位 | 15% | | |\r\n| 管理质量 | 10% | | |\r\n| **综合评分** | 100% | | |\r\n\r\n**信用评级：[AAA/AA+/AA/A/BBB/BB/B/C]**\r\n\r\n### 5.2 授信方案建议\r\n\r\n| 授信要素 | 建议内容 |\r\n|---------|---------|\r\n| 授信额度 | [X]万元（较上期[X]万元变化及原因） |\r\n| 授信类型 | [综合授信/专项授信] |\r\n| 授信期限 | [X]年 |\r\n| 利率定价 | [LPR+X bp / X%]（基于评级） |\r\n| 担保要求 | [信用/满足[X]%抵押率] |\r\n| 额度分配 | 流动资金[X]万 + 银行承兑[X]万 + 保函[X]万 |\r\n\r\n### 5.3 关键授信条件（重要约束）\r\n1. [条件1，如：D/E ≤ 3x]\r\n2. [条件2，如：季度报告提交]\r\n3. [条件3，如：资金归行率≥50%]\r\n\r\n### 5.4 贷后管理重点\r\n- 监控频率：[季度/半年]\r\n- 关注指标：[DSCR / D/E / 销售回款]\r\n- 预警阈值：[具体数值]\r\n- 处置预案：[触发条件及措施]\r\n\r\n---\r\n\r\n## 六、审阅与批准\r\n\r\n| 角色 | 姓名 | 日期 | 签名 |\r\n|------|------|------|------|\r\n| 客户经理 | | | |\r\n| 风险经理 | | | |\r\n| 分管审批 | | | |\r\n| 审批委员会 | | | |\r\n\r\n---\r\n\r\n**免责声明**：本信用备忘录由AI辅助生成，仅供内部审贷参考。最终授信决策须经有权审批人审慎评估后作出。\r\n```\r\n\r\n---\r\n\r\n## Report Variations\r\n\r\n### Short Memo (简化版，额度≤500万):\r\n```\r\n适用场景：快速审批、续授信、转授权范围内\r\n结构：摘要 + 核心财务数据 + 风险提示 + 授信建议 + 审批记录\r\n字数：约800-1000字\r\n```\r\n\r\n### Green Credit Memo (绿色信贷专用版):\r\n```\r\n额外维度：碳排放/能耗/环保合规/绿色项目认定\r\n政策契合度评估：[符合/部分符合/不符合绿色信贷导向]\r\nESG评级建议：[A/B/C]\r\n```\r\n\r\n### Group Credit Memo (集团客户版):\r\n```\r\n合并范围分析、关联交易风险、连带责任评估、\r\n内部评级统一还是分别评级、集团限额管理\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill generates credit analysis reports for bank internal use. AI-generated memos require thorough review by qualified credit officers and approval from appropriate credit committee authority. This tool does not replace professional credit judgment. All credit decisions remain the responsibility of authorized bank personnel.\n\nFile v4.0.1:README.md\n\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n> *AI-powered credit memo generator for commercial banks — from financial analysis to structured credit reports and facility recommendations.*\r\n\r\n> AI驱动的商业银行信用备忘录生成工具——从财务分析到结构化授信报告，一键生成。\r\n\r\n---\r\n\r\n## Overview\r\n\r\nThis skill generates professional credit memos for bank credit officers. It covers borrower financial analysis, internal credit rating, credit facility recommendations, and complete credit memo documentation following standard bank formats.\r\n\r\n本工具为银行信贷人员生成专业信用备忘录，涵盖借款人财务分析、内部信用评级、授信额度建议及符合行内规范的完整信用备忘录文档。\r\n\r\n## Installation\r\n\r\n```bash\r\nclawhub install bank-credit-memo\r\n```\r\n\r\n## Core Capabilities\r\n\r\n| Capability | Description |\r\n|------------|-------------|\r\n| Financial Analysis | 3-year ratio analysis, peer comparison, trend analysis |\r\n| Credit Rating | Internal 5-tier rating (AAA→D) with external mapping |\r\n| Memo Generation | Complete credit memo in bank standard format |\r\n| Facility Recommendation | Amount, tenor, pricing, covenants, monitoring indicators |\r\n| Green Credit Support | ESG/green credit memo with carbon/environmental metrics |\r\n\r\n## Use Cases\r\n\r\n- **New credit application** (新客户授信申请)\r\n- **Credit renewal review** (存量客户续授信)\r\n- **Credit upgrade/downgrade analysis** (评级调整分析)\r\n- **Group credit assessment** (集团客户统一授信)\r\n- **Green credit facility** (绿色信贷项目评估)\r\n\r\n## Report Format\r\n\r\nFollows standard commercial bank credit memo format with sections:\r\n1. Executive Summary & Application\r\n2. Credit Analysis (Financials + Qualitative)\r\n3. Industry & Risk Assessment\r\n4. Security & Collateral\r\n5. Rating & Recommendation\r\n6. Approval Sign-off\r\n\r\n---\r\n**Skill Link:** https://clawhub.ai/gechengling/bank-credit-memo  \r\n**Author:** @gechengling  \r\n**Install:** `clawhub install bank-credit-memo`\n\nFile v4.0.1:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-memo\",\n  \"version\": \"4.0.1\",\n  \"publishedAt\": 1779679909777\n}\n\nFile v4.0.1:skill-card.md\n\n## Description: <br>\nBank Credit Memo helps bank credit teams draft structured credit analysis reports, credit ratings, facility recommendations, and internal credit memo documentation. <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, credit committee members, and relationship managers use this skill to collect borrower information and draft internal credit memos for new credit applications, renewals, rating changes, group credit assessments, and green credit facilities. <br>\n\n### Deployment Geography for Use: <br>\nGlobal, subject to local banking and credit approval requirements. <br>\n\n## Known Risks and Mitigations: <br>\nRisk: The skill may process sensitive borrower, ownership, customer, collateral, and financial information. <br>\nMitigation: Use only for authorized banking or borrower-risk work, redact unnecessary identifiers, and provide the minimum information needed for the memo. <br>\nRisk: AI-generated ratings, facility recommendations, or lending guidance could be inaccurate or incomplete. <br>\nMitigation: Require review by qualified credit officers and approval by authorized credit committee personnel before any credit decision. <br>\nRisk: Regulatory context and policy references may not reflect the latest applicable requirements. <br>\nMitigation: Validate regulatory references against current official sources before relying on a memo in a credit workflow. <br>\n\n\n## Reference(s): <br>\n- [ClawHub skill page](https://clawhub.ai/gechengling/bank-credit-memo) <br>\n- [README.md](README.md) <br>\n- [SKILL.md](SKILL.md) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [text, markdown, guidance] <br>\n**Output Format:** [Markdown report drafts with structured tables and narrative analysis] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Produces AI-assisted drafts that require review by qualified credit officers before any lending decision.] <br>\n\n## Skill Version(s): <br>\n4.0.1 (source: server 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 v4.0.1:package.json\n\n{\r\n  \"name\": \"bank-credit-memo\",\r\n  \"version\": \"1.0.0\",\r\n  \"description\": \"AI-powered bank credit memo writer - generate structured credit analysis reports, credit ratings, and facility recommendations\",\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 memo\",\r\n    \"credit analysis\",\r\n    \"credit rating\",\r\n    \"lending\",\r\n    \"facility\",\r\n    \"信用备忘录\",\r\n    \"授信报告\",\r\n    \"信用评级\",\r\n    \"贷款审批\"\r\n  ],\r\n  \"author\": \"gechengling\",\r\n  \"license\": \"MIT\",\r\n  \"skill\": {\r\n    \"type\": \"conversation\",\r\n    \"triggers\": [\r\n      \"信用备忘录\",\r\n      \"授信报告\",\r\n      \"信用分析报告\",\r\n      \"评级报告\",\r\n      \"授信建议\",\r\n      \"贷款审批报告\",\r\n      \"信用审查报告\",\r\n      \"额度审批\",\r\n      \"贷款评审报告\"\r\n    ]\r\n  }\r\n}\n\nArchive v4.0.0: 4 files, 6515 bytes\n\nFiles: package.json (874b), README.md (2068b), SKILL.md (9456b), _meta.json (135b)\n\nFile v4.0.0:SKILL.md\n\n---\r\nname: Bank Credit Memo Writer\r\nslug: bank-credit-memo\r\ndescription: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations. Updated for 2024-2026 Basel III risk weight framework, ESG/green credit assessment, real estate \"whitelist\" policy, and digital supply chain finance. Keywords: credit memo, credit analysis, credit rating, loan approval, Basel III, ESG credit, China banking, 信用备忘录, 授信报告, 信用分析报告, 评级报告, 信贷审批, 贷款评估, 额度测算, 担保评估.\r\nversion: \"4.0.0\"\r\ntriggers:\r\n  - 信用备忘录\r\n  - 授信报告\r\n  - 信用分析报告\r\n  - 评级报告\r\n  - 授信建议\r\n  - 贷款审批报告\r\n  - 信用审查报告\r\n  - 额度审批\r\n  - 贷款评审报告\r\n---\r\n\r\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n## Skill Overview\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Report Generation |\r\n| **Target Users** | Bank credit officers, credit committee members, relationship managers |\r\n| **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation |\r\n| **Industry** | Commercial bank credit approval, corporate lending |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nJust tell me the borrower details and I will generate a complete credit memo.\r\n\r\n**Example prompts:**\r\n- \"帮我写一份信用备忘录，对象是一家制造业企业\"\r\n- \"生成一份AAA级客户的年度授信复核报告\"\r\n- \"写一份信用评级下调分析报告\"\r\n- \"起草一份新的授信申请报告\"\r\n- \"帮我写一份绿色信贷项目的信用备忘录\"\r\n\r\n---\r\n\r\n## Phase 1: Information Collection\r\n\r\n### I will ask for:\r\n\r\n**1. Basic Information**\r\n- Company name, industry, main products/services\r\n- Revenue scale (近3年收入)\r\n- Borrowing history with your bank\r\n- Purpose of this credit facility\r\n\r\n**2. Financial Data (if available)**\r\n- Latest balance sheet, income statement, cash flow statement\r\n- Key ratios (I can calculate from raw data)\r\n\r\n**3. Qualitative Information**\r\n- Industry outlook\r\n- Competitive position\r\n- Management quality\r\n- Recent developments\r\n\r\n---\r\n\r\n## Phase 2: Credit Analysis\r\n\r\n### Financial Ratio Analysis:\r\n\r\n| Category | Metrics Analyzed |\r\n|----------|-----------------|\r\n| Profitability | Net margin, ROE, ROA, Cost-to-income ratio |\r\n| Capital Adequacy | D/E ratio, Debt service coverage |\r\n| Liquidity | Current ratio, Quick ratio, CFO quality |\r\n| Asset Quality | NPL ratio, Provision coverage, Write-off rate |\r\n| Growth | Revenue CAGR, Asset growth, Market share trend |\r\n\r\n### Industry Context:\r\n\r\n- Industry cyclicality assessment\r\n- Peer comparison (vs. sector average)\r\n- Macro environment impact analysis\r\n- Regulatory tailwinds/headwinds\r\n\r\n### Business Risk Profile:\r\n\r\n- Revenue concentration (top customer %)\r\n- Margin sustainability (gross margin trend)\r\n- Operating leverage (fixed vs. variable costs)\r\n- Cash conversion cycle analysis\r\n\r\n---\r\n\r\n## Phase 3: Credit Rating (Internal 5-Tier + External Mapping)\r\n\r\n### Internal Rating Scale:\r\n\r\n| Rating | Grade | PD Estimate | Description |\r\n|--------|-------|------------|-------------|\r\n| AAA | Investment Grade | <0.1% | Market leader, excellent financials |\r\n| AA | Investment Grade | 0.1-0.5% | Strong, low risk |\r\n| A | Investment Grade | 0.5-2% | Good, stable |\r\n| BBB | Investment Grade | 2-5% | Acceptable, moderate risk |\r\n| BB | Speculative | 5-15% | Special mention, watch list |\r\n| B | Speculative | 15-30% | Substandard |\r\n| C/D | Loss/Default | >30% | Non-performing |\r\n\r\n### Rating Drivers Analysis:\r\n\r\n**Strengths (支持评级因素):**\r\n1. [Key strength 1]\r\n2. [Key strength 2]\r\n3. [Key strength 3]\r\n\r\n**Concerns (评级限制因素):**\r\n1. [Key concern 1]\r\n2. [Key concern 2]\r\n3. [Key concern 3]\r\n\r\n**Rating Outlook:** Stable / Positive / Negative / Developing\r\n\r\n---\r\n\r\n## Phase 4: Credit Memo Generation\r\n\r\n### Standard Credit Memo Structure:\r\n\r\n```markdown\r\n# 信用备忘录\r\n## Credit Memorandum\r\n\r\n**报告编号**：[编号]\r\n**客户名称**：[名称]\r\n**报告日期**：[日期]\r\n**报告撰写人**：[姓名]\r\n**信用评级**：[AAA/AA+/AA/...]\r\n\r\n---\r\n\r\n## 一、授信申请摘要\r\n\r\n### 1.1 授信申请人基本情况\r\n[Company overview - 200 words]\r\n\r\n### 1.2 本次授信申请要素\r\n| 项目 | 内容 |\r\n|------|------|\r\n| 申请授信额度 | [X]万元 |\r\n| 授信类型 | [流动资金贷款/固定资产贷款/银行承兑汇票/信用证/保函] |\r\n| 授信期限 | [X个月/X年] |\r\n| 利率/费率 | [LPR+X bp / X%] |\r\n| 担保方式 | [信用/抵押/质押/保证] |\r\n| 贷款用途 | [描述] |\r\n| 还款来源 | [描述] |\r\n\r\n---\r\n\r\n## 二、客户信用分析\r\n\r\n### 2.1 股权结构\r\n[Ownership structure - key shareholders and UBO]\r\n\r\n### 2.2 经营情况\r\n[Business overview, revenue breakdown, key customers/suppliers]\r\n\r\n### 2.3 财务分析\r\n#### 2.3.1 盈利能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 行业平均 |\r\n|------|---------|---------|---------|---------|\r\n| 营业收入(万元) | | | | |\r\n| 净利润(万元) | | | | |\r\n| 毛利率 | | | | |\r\n| 净利率 | | | | |\r\n| ROE | | | | |\r\n| ROA | | | | |\r\n\r\n#### 2.3.2 偿债能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 资产负债率 | | | | |\r\n| 流动比率 | | | | |\r\n| 速动比率 | | | | |\r\n| 利息保障倍数 | | | | |\r\n| EBITDA(万元) | | | | |\r\n\r\n#### 2.3.3 运营能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 应收账款周转天数 | | | | |\r\n| 存货周转天数 | | | | |\r\n| 应付账款周转天数 | | | | |\r\n| 现金循环周期 | | | | |\r\n\r\n### 2.4 外部评级参考\r\n[Mapping from internal rating to external (Moody's/S&P/国内评级)]\r\n\r\n---\r\n\r\n## 三、行业分析与风险评估\r\n\r\n### 3.1 行业概况\r\n[Industry size, growth, regulatory environment]\r\n\r\n### 3.2 竞争地位\r\n[Market position, competitive advantages, barriers to entry]\r\n\r\n### 3.3 风险因素识别\r\n| 风险类型 | 风险描述 | 影响程度 |\r\n|---------|---------|---------|\r\n| 行业风险 | [描述] | [高/中/低] |\r\n| 经营风险 | [描述] | [高/中/低] |\r\n| 财务风险 | [描述] | [高/中/低] |\r\n| 担保风险 | [描述] | [高/中/低] |\r\n| 合规风险 | [描述] | [高/中/低] |\r\n\r\n---\r\n\r\n## 四、担保及增信措施\r\n\r\n### 4.1 本次担保安排\r\n| 担保方式 | 担保物/担保人 | 评估价值(万元) | 抵押率 |\r\n|---------|-------------|---------------|-------|\r\n| [抵押] | [物产名称/位置] | [X] | [X%] |\r\n| [保证] | [保证人名称] | [X] | - |\r\n| [质押] | [质押物] | [X] | [X%] |\r\n\r\n### 4.2 担保覆盖率评估\r\n- 担保敞口：[X]万元\r\n- 担保价值：[X]万元\r\n- 担保覆盖率：[X%] ≥ [基准要求]\r\n\r\n---\r\n\r\n## 五、综合评级与授信建议\r\n\r\n### 5.1 综合评级\r\n| 评级维度 | 权重 | 得分 | 加权得分 |\r\n|---------|------|------|---------|\r\n| 盈利能力 | 20% | | |\r\n| 偿债能力 | 25% | | |\r\n| 运营能力 | 15% | | |\r\n| 资产质量 | 15% | | |\r\n| 行业地位 | 15% | | |\r\n| 管理质量 | 10% | | |\r\n| **综合评分** | 100% | | |\r\n\r\n**信用评级：[AAA/AA+/AA/A/BBB/BB/B/C]**\r\n\r\n### 5.2 授信方案建议\r\n\r\n| 授信要素 | 建议内容 |\r\n|---------|---------|\r\n| 授信额度 | [X]万元（较上期[X]万元变化及原因） |\r\n| 授信类型 | [综合授信/专项授信] |\r\n| 授信期限 | [X]年 |\r\n| 利率定价 | [LPR+X bp / X%]（基于评级） |\r\n| 担保要求 | [信用/满足[X]%抵押率] |\r\n| 额度分配 | 流动资金[X]万 + 银行承兑[X]万 + 保函[X]万 |\r\n\r\n### 5.3 关键授信条件（重要约束）\r\n1. [条件1，如：D/E ≤ 3x]\r\n2. [条件2，如：季度报告提交]\r\n3. [条件3，如：资金归行率≥50%]\r\n\r\n### 5.4 贷后管理重点\r\n- 监控频率：[季度/半年]\r\n- 关注指标：[DSCR / D/E / 销售回款]\r\n- 预警阈值：[具体数值]\r\n- 处置预案：[触发条件及措施]\r\n\r\n---\r\n\r\n## 六、审阅与批准\r\n\r\n| 角色 | 姓名 | 日期 | 签名 |\r\n|------|------|------|------|\r\n| 客户经理 | | | |\r\n| 风险经理 | | | |\r\n| 分管审批 | | | |\r\n| 审批委员会 | | | |\r\n\r\n---\r\n\r\n**免责声明**：本信用备忘录由AI辅助生成，仅供内部审贷参考。最终授信决策须经有权审批人审慎评估后作出。\r\n```\r\n\r\n---\r\n\r\n## Report Variations\r\n\r\n### Short Memo (简化版，额度≤500万):\r\n```\r\n适用场景：快速审批、续授信、转授权范围内\r\n结构：摘要 + 核心财务数据 + 风险提示 + 授信建议 + 审批记录\r\n字数：约800-1000字\r\n```\r\n\r\n### Green Credit Memo (绿色信贷专用版):\r\n```\r\n额外维度：碳排放/能耗/环保合规/绿色项目认定\r\n政策契合度评估：[符合/部分符合/不符合绿色信贷导向]\r\nESG评级建议：[A/B/C]\r\n```\r\n\r\n### Group Credit Memo (集团客户版):\r\n```\r\n合并范围分析、关联交易风险、连带责任评估、\r\n内部评级统一还是分别评级、集团限额管理\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill generates credit analysis reports for bank internal use. AI-generated memos require thorough review by qualified credit officers and approval from appropriate credit committee authority. This tool does not replace professional credit judgment. All credit decisions remain the responsibility of authorized bank personnel.\n\nFile v4.0.0:README.md\n\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n> *AI-powered credit memo generator for commercial banks — from financial analysis to structured credit reports and facility recommendations.*\r\n\r\n> AI驱动的商业银行信用备忘录生成工具——从财务分析到结构化授信报告，一键生成。\r\n\r\n---\r\n\r\n## Overview\r\n\r\nThis skill generates professional credit memos for bank credit officers. It covers borrower financial analysis, internal credit rating, credit facility recommendations, and complete credit memo documentation following standard bank formats.\r\n\r\n本工具为银行信贷人员生成专业信用备忘录，涵盖借款人财务分析、内部信用评级、授信额度建议及符合行内规范的完整信用备忘录文档。\r\n\r\n## Installation\r\n\r\n```bash\r\nclawhub install bank-credit-memo\r\n```\r\n\r\n## Core Capabilities\r\n\r\n| Capability | Description |\r\n|------------|-------------|\r\n| Financial Analysis | 3-year ratio analysis, peer comparison, trend analysis |\r\n| Credit Rating | Internal 5-tier rating (AAA→D) with external mapping |\r\n| Memo Generation | Complete credit memo in bank standard format |\r\n| Facility Recommendation | Amount, tenor, pricing, covenants, monitoring indicators |\r\n| Green Credit Support | ESG/green credit memo with carbon/environmental metrics |\r\n\r\n## Use Cases\r\n\r\n- **New credit application** (新客户授信申请)\r\n- **Credit renewal review** (存量客户续授信)\r\n- **Credit upgrade/downgrade analysis** (评级调整分析)\r\n- **Group credit assessment** (集团客户统一授信)\r\n- **Green credit facility** (绿色信贷项目评估)\r\n\r\n## Report Format\r\n\r\nFollows standard commercial bank credit memo format with sections:\r\n1. Executive Summary & Application\r\n2. Credit Analysis (Financials + Qualitative)\r\n3. Industry & Risk Assessment\r\n4. Security & Collateral\r\n5. Rating & Recommendation\r\n6. Approval Sign-off\r\n\r\n---\r\n**Skill Link:** https://clawhub.ai/gechengling/bank-credit-memo  \r\n**Author:** @gechengling  \r\n**Install:** `clawhub install bank-credit-memo`\n\nFile v4.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-memo\",\n  \"version\": \"4.0.0\",\n  \"publishedAt\": 1779198523836\n}\n\nFile v4.0.0:package.json\n\n{\r\n  \"name\": \"bank-credit-memo\",\r\n  \"version\": \"1.0.0\",\r\n  \"description\": \"AI-powered bank credit memo writer - generate structured credit analysis reports, credit ratings, and facility recommendations\",\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 memo\",\r\n    \"credit analysis\",\r\n    \"credit rating\",\r\n    \"lending\",\r\n    \"facility\",\r\n    \"信用备忘录\",\r\n    \"授信报告\",\r\n    \"信用评级\",\r\n    \"贷款审批\"\r\n  ],\r\n  \"author\": \"gechengling\",\r\n  \"license\": \"MIT\",\r\n  \"skill\": {\r\n    \"type\": \"conversation\",\r\n    \"triggers\": [\r\n      \"信用备忘录\",\r\n      \"授信报告\",\r\n      \"信用分析报告\",\r\n      \"评级报告\",\r\n      \"授信建议\",\r\n      \"贷款审批报告\",\r\n      \"信用审查报告\",\r\n      \"额度审批\",\r\n      \"贷款评审报告\"\r\n    ]\r\n  }\r\n}\n\nArchive v2.0.0: 4 files, 6458 bytes\n\nFiles: package.json (874b), README.md (2068b), SKILL.md (9309b), _meta.json (135b)\n\nFile v2.0.0:SKILL.md\n\n---\r\nname: Bank Credit Memo Writer\r\ndescription: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations. Updated for 2024-2026 Basel III risk weight framework, ESG/green credit assessment, real estate \"whitelist\" policy, and digital supply chain finance. Keywords: credit memo, credit analysis, credit rating, loan approval, Basel III, ESG credit, China banking.\r\nversion: 2.0.0\r\ntriggers:\r\n  - 信用备忘录\r\n  - 授信报告\r\n  - 信用分析报告\r\n  - 评级报告\r\n  - 授信建议\r\n  - 贷款审批报告\r\n  - 信用审查报告\r\n  - 额度审批\r\n  - 贷款评审报告\r\n---\r\n\r\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n## Skill Overview\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Report Generation |\r\n| **Target Users** | Bank credit officers, credit committee members, relationship managers |\r\n| **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation |\r\n| **Industry** | Commercial bank credit approval, corporate lending |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nJust tell me the borrower details and I will generate a complete credit memo.\r\n\r\n**Example prompts:**\r\n- \"帮我写一份信用备忘录，对象是一家制造业企业\"\r\n- \"生成一份AAA级客户的年度授信复核报告\"\r\n- \"写一份信用评级下调分析报告\"\r\n- \"起草一份新的授信申请报告\"\r\n- \"帮我写一份绿色信贷项目的信用备忘录\"\r\n\r\n---\r\n\r\n## Phase 1: Information Collection\r\n\r\n### I will ask for:\r\n\r\n**1. Basic Information**\r\n- Company name, industry, main products/services\r\n- Revenue scale (近3年收入)\r\n- Borrowing history with your bank\r\n- Purpose of this credit facility\r\n\r\n**2. Financial Data (if available)**\r\n- Latest balance sheet, income statement, cash flow statement\r\n- Key ratios (I can calculate from raw data)\r\n\r\n**3. Qualitative Information**\r\n- Industry outlook\r\n- Competitive position\r\n- Management quality\r\n- Recent developments\r\n\r\n---\r\n\r\n## Phase 2: Credit Analysis\r\n\r\n### Financial Ratio Analysis:\r\n\r\n| Category | Metrics Analyzed |\r\n|----------|-----------------|\r\n| Profitability | Net margin, ROE, ROA, Cost-to-income ratio |\r\n| Capital Adequacy | D/E ratio, Debt service coverage |\r\n| Liquidity | Current ratio, Quick ratio, CFO quality |\r\n| Asset Quality | NPL ratio, Provision coverage, Write-off rate |\r\n| Growth | Revenue CAGR, Asset growth, Market share trend |\r\n\r\n### Industry Context:\r\n\r\n- Industry cyclicality assessment\r\n- Peer comparison (vs. sector average)\r\n- Macro environment impact analysis\r\n- Regulatory tailwinds/headwinds\r\n\r\n### Business Risk Profile:\r\n\r\n- Revenue concentration (top customer %)\r\n- Margin sustainability (gross margin trend)\r\n- Operating leverage (fixed vs. variable costs)\r\n- Cash conversion cycle analysis\r\n\r\n---\r\n\r\n## Phase 3: Credit Rating (Internal 5-Tier + External Mapping)\r\n\r\n### Internal Rating Scale:\r\n\r\n| Rating | Grade | PD Estimate | Description |\r\n|--------|-------|------------|-------------|\r\n| AAA | Investment Grade | <0.1% | Market leader, excellent financials |\r\n| AA | Investment Grade | 0.1-0.5% | Strong, low risk |\r\n| A | Investment Grade | 0.5-2% | Good, stable |\r\n| BBB | Investment Grade | 2-5% | Acceptable, moderate risk |\r\n| BB | Speculative | 5-15% | Special mention, watch list |\r\n| B | Speculative | 15-30% | Substandard |\r\n| C/D | Loss/Default | >30% | Non-performing |\r\n\r\n### Rating Drivers Analysis:\r\n\r\n**Strengths (支持评级因素):**\r\n1. [Key strength 1]\r\n2. [Key strength 2]\r\n3. [Key strength 3]\r\n\r\n**Concerns (评级限制因素):**\r\n1. [Key concern 1]\r\n2. [Key concern 2]\r\n3. [Key concern 3]\r\n\r\n**Rating Outlook:** Stable / Positive / Negative / Developing\r\n\r\n---\r\n\r\n## Phase 4: Credit Memo Generation\r\n\r\n### Standard Credit Memo Structure:\r\n\r\n```markdown\r\n# 信用备忘录\r\n## Credit Memorandum\r\n\r\n**报告编号**：[编号]\r\n**客户名称**：[名称]\r\n**报告日期**：[日期]\r\n**报告撰写人**：[姓名]\r\n**信用评级**：[AAA/AA+/AA/...]\r\n\r\n---\r\n\r\n## 一、授信申请摘要\r\n\r\n### 1.1 授信申请人基本情况\r\n[Company overview - 200 words]\r\n\r\n### 1.2 本次授信申请要素\r\n| 项目 | 内容 |\r\n|------|------|\r\n| 申请授信额度 | [X]万元 |\r\n| 授信类型 | [流动资金贷款/固定资产贷款/银行承兑汇票/信用证/保函] |\r\n| 授信期限 | [X个月/X年] |\r\n| 利率/费率 | [LPR+X bp / X%] |\r\n| 担保方式 | [信用/抵押/质押/保证] |\r\n| 贷款用途 | [描述] |\r\n| 还款来源 | [描述] |\r\n\r\n---\r\n\r\n## 二、客户信用分析\r\n\r\n### 2.1 股权结构\r\n[Ownership structure - key shareholders and UBO]\r\n\r\n### 2.2 经营情况\r\n[Business overview, revenue breakdown, key customers/suppliers]\r\n\r\n### 2.3 财务分析\r\n#### 2.3.1 盈利能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 行业平均 |\r\n|------|---------|---------|---------|---------|\r\n| 营业收入(万元) | | | | |\r\n| 净利润(万元) | | | | |\r\n| 毛利率 | | | | |\r\n| 净利率 | | | | |\r\n| ROE | | | | |\r\n| ROA | | | | |\r\n\r\n#### 2.3.2 偿债能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 资产负债率 | | | | |\r\n| 流动比率 | | | | |\r\n| 速动比率 | | | | |\r\n| 利息保障倍数 | | | | |\r\n| EBITDA(万元) | | | | |\r\n\r\n#### 2.3.3 运营能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 应收账款周转天数 | | | | |\r\n| 存货周转天数 | | | | |\r\n| 应付账款周转天数 | | | | |\r\n| 现金循环周期 | | | | |\r\n\r\n### 2.4 外部评级参考\r\n[Mapping from internal rating to external (Moody's/S&P/国内评级)]\r\n\r\n---\r\n\r\n## 三、行业分析与风险评估\r\n\r\n### 3.1 行业概况\r\n[Industry size, growth, regulatory environment]\r\n\r\n### 3.2 竞争地位\r\n[Market position, competitive advantages, barriers to entry]\r\n\r\n### 3.3 风险因素识别\r\n| 风险类型 | 风险描述 | 影响程度 |\r\n|---------|---------|---------|\r\n| 行业风险 | [描述] | [高/中/低] |\r\n| 经营风险 | [描述] | [高/中/低] |\r\n| 财务风险 | [描述] | [高/中/低] |\r\n| 担保风险 | [描述] | [高/中/低] |\r\n| 合规风险 | [描述] | [高/中/低] |\r\n\r\n---\r\n\r\n## 四、担保及增信措施\r\n\r\n### 4.1 本次担保安排\r\n| 担保方式 | 担保物/担保人 | 评估价值(万元) | 抵押率 |\r\n|---------|-------------|---------------|-------|\r\n| [抵押] | [物产名称/位置] | [X] | [X%] |\r\n| [保证] | [保证人名称] | [X] | - |\r\n| [质押] | [质押物] | [X] | [X%] |\r\n\r\n### 4.2 担保覆盖率评估\r\n- 担保敞口：[X]万元\r\n- 担保价值：[X]万元\r\n- 担保覆盖率：[X%] ≥ [基准要求]\r\n\r\n---\r\n\r\n## 五、综合评级与授信建议\r\n\r\n### 5.1 综合评级\r\n| 评级维度 | 权重 | 得分 | 加权得分 |\r\n|---------|------|------|---------|\r\n| 盈利能力 | 20% | | |\r\n| 偿债能力 | 25% | | |\r\n| 运营能力 | 15% | | |\r\n| 资产质量 | 15% | | |\r\n| 行业地位 | 15% | | |\r\n| 管理质量 | 10% | | |\r\n| **综合评分** | 100% | | |\r\n\r\n**信用评级：[AAA/AA+/AA/A/BBB/BB/B/C]**\r\n\r\n### 5.2 授信方案建议\r\n\r\n| 授信要素 | 建议内容 |\r\n|---------|---------|\r\n| 授信额度 | [X]万元（较上期[X]万元变化及原因） |\r\n| 授信类型 | [综合授信/专项授信] |\r\n| 授信期限 | [X]年 |\r\n| 利率定价 | [LPR+X bp / X%]（基于评级） |\r\n| 担保要求 | [信用/满足[X]%抵押率] |\r\n| 额度分配 | 流动资金[X]万 + 银行承兑[X]万 + 保函[X]万 |\r\n\r\n### 5.3 关键授信条件（重要约束）\r\n1. [条件1，如：D/E ≤ 3x]\r\n2. [条件2，如：季度报告提交]\r\n3. [条件3，如：资金归行率≥50%]\r\n\r\n### 5.4 贷后管理重点\r\n- 监控频率：[季度/半年]\r\n- 关注指标：[DSCR / D/E / 销售回款]\r\n- 预警阈值：[具体数值]\r\n- 处置预案：[触发条件及措施]\r\n\r\n---\r\n\r\n## 六、审阅与批准\r\n\r\n| 角色 | 姓名 | 日期 | 签名 |\r\n|------|------|------|------|\r\n| 客户经理 | | | |\r\n| 风险经理 | | | |\r\n| 分管审批 | | | |\r\n| 审批委员会 | | | |\r\n\r\n---\r\n\r\n**免责声明**：本信用备忘录由AI辅助生成，仅供内部审贷参考。最终授信决策须经有权审批人审慎评估后作出。\r\n```\r\n\r\n---\r\n\r\n## Report Variations\r\n\r\n### Short Memo (简化版，额度≤500万):\r\n```\r\n适用场景：快速审批、续授信、转授权范围内\r\n结构：摘要 + 核心财务数据 + 风险提示 + 授信建议 + 审批记录\r\n字数：约800-1000字\r\n```\r\n\r\n### Green Credit Memo (绿色信贷专用版):\r\n```\r\n额外维度：碳排放/能耗/环保合规/绿色项目认定\r\n政策契合度评估：[符合/部分符合/不符合绿色信贷导向]\r\nESG评级建议：[A/B/C]\r\n```\r\n\r\n### Group Credit Memo (集团客户版):\r\n```\r\n合并范围分析、关联交易风险、连带责任评估、\r\n内部评级统一还是分别评级、集团限额管理\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill generates credit analysis reports for bank internal use. AI-generated memos require thorough review by qualified credit officers and approval from appropriate credit committee authority. This tool does not replace professional credit judgment. All credit decisions remain the responsibility of authorized bank personnel.\n\nFile v2.0.0:README.md\n\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n> *AI-powered credit memo generator for commercial banks — from financial analysis to structured credit reports and facility recommendations.*\r\n\r\n> AI驱动的商业银行信用备忘录生成工具——从财务分析到结构化授信报告，一键生成。\r\n\r\n---\r\n\r\n## Overview\r\n\r\nThis skill generates professional credit memos for bank credit officers. It covers borrower financial analysis, internal credit rating, credit facility recommendations, and complete credit memo documentation following standard bank formats.\r\n\r\n本工具为银行信贷人员生成专业信用备忘录，涵盖借款人财务分析、内部信用评级、授信额度建议及符合行内规范的完整信用备忘录文档。\r\n\r\n## Installation\r\n\r\n```bash\r\nclawhub install bank-credit-memo\r\n```\r\n\r\n## Core Capabilities\r\n\r\n| Capability | Description |\r\n|------------|-------------|\r\n| Financial Analysis | 3-year ratio analysis, peer comparison, trend analysis |\r\n| Credit Rating | Internal 5-tier rating (AAA→D) with external mapping |\r\n| Memo Generation | Complete credit memo in bank standard format |\r\n| Facility Recommendation | Amount, tenor, pricing, covenants, monitoring indicators |\r\n| Green Credit Support | ESG/green credit memo with carbon/environmental metrics |\r\n\r\n## Use Cases\r\n\r\n- **New credit application** (新客户授信申请)\r\n- **Credit renewal review** (存量客户续授信)\r\n- **Credit upgrade/downgrade analysis** (评级调整分析)\r\n- **Group credit assessment** (集团客户统一授信)\r\n- **Green credit facility** (绿色信贷项目评估)\r\n\r\n## Report Format\r\n\r\nFollows standard commercial bank credit memo format with sections:\r\n1. Executive Summary & Application\r\n2. Credit Analysis (Financials + Qualitative)\r\n3. Industry & Risk Assessment\r\n4. Security & Collateral\r\n5. Rating & Recommendation\r\n6. Approval Sign-off\r\n\r\n---\r\n**Skill Link:** https://clawhub.ai/gechengling/bank-credit-memo  \r\n**Author:** @gechengling  \r\n**Install:** `clawhub install bank-credit-memo`\n\nFile v2.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-memo\",\n  \"version\": \"2.0.0\",\n  \"publishedAt\": 1778479817571\n}\n\nFile v2.0.0:package.json\n\n{\r\n  \"name\": \"bank-credit-memo\",\r\n  \"version\": \"1.0.0\",\r\n  \"description\": \"AI-powered bank credit memo writer - generate structured credit analysis reports, credit ratings, and facility recommendations\",\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 memo\",\r\n    \"credit analysis\",\r\n    \"credit rating\",\r\n    \"lending\",\r\n    \"facility\",\r\n    \"信用备忘录\",\r\n    \"授信报告\",\r\n    \"信用评级\",\r\n    \"贷款审批\"\r\n  ],\r\n  \"author\": \"gechengling\",\r\n  \"license\": \"MIT\",\r\n  \"skill\": {\r\n    \"type\": \"conversation\",\r\n    \"triggers\": [\r\n      \"信用备忘录\",\r\n      \"授信报告\",\r\n      \"信用分析报告\",\r\n      \"评级报告\",\r\n      \"授信建议\",\r\n      \"贷款审批报告\",\r\n      \"信用审查报告\",\r\n      \"额度审批\",\r\n      \"贷款评审报告\"\r\n    ]\r\n  }\r\n}\n\nArchive v1.0.0: 4 files, 6309 bytes\n\nFiles: package.json (874b), README.md (2068b), SKILL.md (9034b), _meta.json (135b)\n\nFile v1.0.0:SKILL.md\n\n---\r\nname: Bank Credit Memo Writer\r\ndescription: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations\r\ntriggers:\r\n  - 信用备忘录\r\n  - 授信报告\r\n  - 信用分析报告\r\n  - 评级报告\r\n  - 授信建议\r\n  - 贷款审批报告\r\n  - 信用审查报告\r\n  - 额度审批\r\n  - 贷款评审报告\r\n---\r\n\r\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n## Skill Overview\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Report Generation |\r\n| **Target Users** | Bank credit officers, credit committee members, relationship managers |\r\n| **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation |\r\n| **Industry** | Commercial bank credit approval, corporate lending |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nJust tell me the borrower details and I will generate a complete credit memo.\r\n\r\n**Example prompts:**\r\n- \"帮我写一份信用备忘录，对象是一家制造业企业\"\r\n- \"生成一份AAA级客户的年度授信复核报告\"\r\n- \"写一份信用评级下调分析报告\"\r\n- \"起草一份新的授信申请报告\"\r\n- \"帮我写一份绿色信贷项目的信用备忘录\"\r\n\r\n---\r\n\r\n## Phase 1: Information Collection\r\n\r\n### I will ask for:\r\n\r\n**1. Basic Information**\r\n- Company name, industry, main products/services\r\n- Revenue scale (近3年收入)\r\n- Borrowing history with your bank\r\n- Purpose of this credit facility\r\n\r\n**2. Financial Data (if available)**\r\n- Latest balance sheet, income statement, cash flow statement\r\n- Key ratios (I can calculate from raw data)\r\n\r\n**3. Qualitative Information**\r\n- Industry outlook\r\n- Competitive position\r\n- Management quality\r\n- Recent developments\r\n\r\n---\r\n\r\n## Phase 2: Credit Analysis\r\n\r\n### Financial Ratio Analysis:\r\n\r\n| Category | Metrics Analyzed |\r\n|----------|-----------------|\r\n| Profitability | Net margin, ROE, ROA, Cost-to-income ratio |\r\n| Capital Adequacy | D/E ratio, Debt service coverage |\r\n| Liquidity | Current ratio, Quick ratio, CFO quality |\r\n| Asset Quality | NPL ratio, Provision coverage, Write-off rate |\r\n| Growth | Revenue CAGR, Asset growth, Market share trend |\r\n\r\n### Industry Context:\r\n\r\n- Industry cyclicality assessment\r\n- Peer comparison (vs. sector average)\r\n- Macro environment impact analysis\r\n- Regulatory tailwinds/headwinds\r\n\r\n### Business Risk Profile:\r\n\r\n- Revenue concentration (top customer %)\r\n- Margin sustainability (gross margin trend)\r\n- Operating leverage (fixed vs. variable costs)\r\n- Cash conversion cycle analysis\r\n\r\n---\r\n\r\n## Phase 3: Credit Rating (Internal 5-Tier + External Mapping)\r\n\r\n### Internal Rating Scale:\r\n\r\n| Rating | Grade | PD Estimate | Description |\r\n|--------|-------|------------|-------------|\r\n| AAA | Investment Grade | <0.1% | Market leader, excellent financials |\r\n| AA | Investment Grade | 0.1-0.5% | Strong, low risk |\r\n| A | Investment Grade | 0.5-2% | Good, stable |\r\n| BBB | Investment Grade | 2-5% | Acceptable, moderate risk |\r\n| BB | Speculative | 5-15% | Special mention, watch list |\r\n| B | Speculative | 15-30% | Substandard |\r\n| C/D | Loss/Default | >30% | Non-performing |\r\n\r\n### Rating Drivers Analysis:\r\n\r\n**Strengths (支持评级因素):**\r\n1. [Key strength 1]\r\n2. [Key strength 2]\r\n3. [Key strength 3]\r\n\r\n**Concerns (评级限制因素):**\r\n1. [Key concern 1]\r\n2. [Key concern 2]\r\n3. [Key concern 3]\r\n\r\n**Rating Outlook:** Stable / Positive / Negative / Developing\r\n\r\n---\r\n\r\n## Phase 4: Credit Memo Generation\r\n\r\n### Standard Credit Memo Structure:\r\n\r\n```markdown\r\n# 信用备忘录\r\n## Credit Memorandum\r\n\r\n**报告编号**：[编号]\r\n**客户名称**：[名称]\r\n**报告日期**：[日期]\r\n**报告撰写人**：[姓名]\r\n**信用评级**：[AAA/AA+/AA/...]\r\n\r\n---\r\n\r\n## 一、授信申请摘要\r\n\r\n### 1.1 授信申请人基本情况\r\n[Company overview - 200 words]\r\n\r\n### 1.2 本次授信申请要素\r\n| 项目 | 内容 |\r\n|------|------|\r\n| 申请授信额度 | [X]万元 |\r\n| 授信类型 | [流动资金贷款/固定资产贷款/银行承兑汇票/信用证/保函] |\r\n| 授信期限 | [X个月/X年] |\r\n| 利率/费率 | [LPR+X bp / X%] |\r\n| 担保方式 | [信用/抵押/质押/保证] |\r\n| 贷款用途 | [描述] |\r\n| 还款来源 | [描述] |\r\n\r\n---\r\n\r\n## 二、客户信用分析\r\n\r\n### 2.1 股权结构\r\n[Ownership structure - key shareholders and UBO]\r\n\r\n### 2.2 经营情况\r\n[Business overview, revenue breakdown, key customers/suppliers]\r\n\r\n### 2.3 财务分析\r\n#### 2.3.1 盈利能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 行业平均 |\r\n|------|---------|---------|---------|---------|\r\n| 营业收入(万元) | | | | |\r\n| 净利润(万元) | | | | |\r\n| 毛利率 | | | | |\r\n| 净利率 | | | | |\r\n| ROE | | | | |\r\n| ROA | | | | |\r\n\r\n#### 2.3.2 偿债能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 资产负债率 | | | | |\r\n| 流动比率 | | | | |\r\n| 速动比率 | | | | |\r\n| 利息保障倍数 | | | | |\r\n| EBITDA(万元) | | | | |\r\n\r\n#### 2.3.3 运营能力\r\n| 指标 | [Year-3] | [Year-2] | [Year-1] | 指标值 |\r\n|------|---------|---------|---------|---------|\r\n| 应收账款周转天数 | | | | |\r\n| 存货周转天数 | | | | |\r\n| 应付账款周转天数 | | | | |\r\n| 现金循环周期 | | | | |\r\n\r\n### 2.4 外部评级参考\r\n[Mapping from internal rating to external (Moody's/S&P/国内评级)]\r\n\r\n---\r\n\r\n## 三、行业分析与风险评估\r\n\r\n### 3.1 行业概况\r\n[Industry size, growth, regulatory environment]\r\n\r\n### 3.2 竞争地位\r\n[Market position, competitive advantages, barriers to entry]\r\n\r\n### 3.3 风险因素识别\r\n| 风险类型 | 风险描述 | 影响程度 |\r\n|---------|---------|---------|\r\n| 行业风险 | [描述] | [高/中/低] |\r\n| 经营风险 | [描述] | [高/中/低] |\r\n| 财务风险 | [描述] | [高/中/低] |\r\n| 担保风险 | [描述] | [高/中/低] |\r\n| 合规风险 | [描述] | [高/中/低] |\r\n\r\n---\r\n\r\n## 四、担保及增信措施\r\n\r\n### 4.1 本次担保安排\r\n| 担保方式 | 担保物/担保人 | 评估价值(万元) | 抵押率 |\r\n|---------|-------------|---------------|-------|\r\n| [抵押] | [物产名称/位置] | [X] | [X%] |\r\n| [保证] | [保证人名称] | [X] | - |\r\n| [质押] | [质押物] | [X] | [X%] |\r\n\r\n### 4.2 担保覆盖率评估\r\n- 担保敞口：[X]万元\r\n- 担保价值：[X]万元\r\n- 担保覆盖率：[X%] ≥ [基准要求]\r\n\r\n---\r\n\r\n## 五、综合评级与授信建议\r\n\r\n### 5.1 综合评级\r\n| 评级维度 | 权重 | 得分 | 加权得分 |\r\n|---------|------|------|---------|\r\n| 盈利能力 | 20% | | |\r\n| 偿债能力 | 25% | | |\r\n| 运营能力 | 15% | | |\r\n| 资产质量 | 15% | | |\r\n| 行业地位 | 15% | | |\r\n| 管理质量 | 10% | | |\r\n| **综合评分** | 100% | | |\r\n\r\n**信用评级：[AAA/AA+/AA/A/BBB/BB/B/C]**\r\n\r\n### 5.2 授信方案建议\r\n\r\n| 授信要素 | 建议内容 |\r\n|---------|---------|\r\n| 授信额度 | [X]万元（较上期[X]万元变化及原因） |\r\n| 授信类型 | [综合授信/专项授信] |\r\n| 授信期限 | [X]年 |\r\n| 利率定价 | [LPR+X bp / X%]（基于评级） |\r\n| 担保要求 | [信用/满足[X]%抵押率] |\r\n| 额度分配 | 流动资金[X]万 + 银行承兑[X]万 + 保函[X]万 |\r\n\r\n### 5.3 关键授信条件（重要约束）\r\n1. [条件1，如：D/E ≤ 3x]\r\n2. [条件2，如：季度报告提交]\r\n3. [条件3，如：资金归行率≥50%]\r\n\r\n### 5.4 贷后管理重点\r\n- 监控频率：[季度/半年]\r\n- 关注指标：[DSCR / D/E / 销售回款]\r\n- 预警阈值：[具体数值]\r\n- 处置预案：[触发条件及措施]\r\n\r\n---\r\n\r\n## 六、审阅与批准\r\n\r\n| 角色 | 姓名 | 日期 | 签名 |\r\n|------|------|------|------|\r\n| 客户经理 | | | |\r\n| 风险经理 | | | |\r\n| 分管审批 | | | |\r\n| 审批委员会 | | | |\r\n\r\n---\r\n\r\n**免责声明**：本信用备忘录由AI辅助生成，仅供内部审贷参考。最终授信决策须经有权审批人审慎评估后作出。\r\n```\r\n\r\n---\r\n\r\n## Report Variations\r\n\r\n### Short Memo (简化版，额度≤500万):\r\n```\r\n适用场景：快速审批、续授信、转授权范围内\r\n结构：摘要 + 核心财务数据 + 风险提示 + 授信建议 + 审批记录\r\n字数：约800-1000字\r\n```\r\n\r\n### Green Credit Memo (绿色信贷专用版):\r\n```\r\n额外维度：碳排放/能耗/环保合规/绿色项目认定\r\n政策契合度评估：[符合/部分符合/不符合绿色信贷导向]\r\nESG评级建议：[A/B/C]\r\n```\r\n\r\n### Group Credit Memo (集团客户版):\r\n```\r\n合并范围分析、关联交易风险、连带责任评估、\r\n内部评级统一还是分别评级、集团限额管理\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill generates credit analysis reports for bank internal use. AI-generated memos require thorough review by qualified credit officers and approval from appropriate credit committee authority. This tool does not replace professional credit judgment. All credit decisions remain the responsibility of authorized bank personnel.\n\nFile v1.0.0:README.md\n\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n> *AI-powered credit memo generator for commercial banks — from financial analysis to structured credit reports and facility recommendations.*\r\n\r\n> AI驱动的商业银行信用备忘录生成工具——从财务分析到结构化授信报告，一键生成。\r\n\r\n---\r\n\r\n## Overview\r\n\r\nThis skill generates professional credit memos for bank credit officers. It covers borrower financial analysis, internal credit rating, credit facility recommendations, and complete credit memo documentation following standard bank formats.\r\n\r\n本工具为银行信贷人员生成专业信用备忘录，涵盖借款人财务分析、内部信用评级、授信额度建议及符合行内规范的完整信用备忘录文档。\r\n\r\n## Installation\r\n\r\n```bash\r\nclawhub install bank-credit-memo\r\n```\r\n\r\n## Core Capabilities\r\n\r\n| Capability | Description |\r\n|------------|-------------|\r\n| Financial Analysis | 3-year ratio analysis, peer comparison, trend analysis |\r\n| Credit Rating | Internal 5-tier rating (AAA→D) with external mapping |\r\n| Memo Generation | Complete credit memo in bank standard format |\r\n| Facility Recommendation | Amount, tenor, pricing, covenants, monitoring indicators |\r\n| Green Credit Support | ESG/green credit memo with carbon/environmental metrics |\r\n\r\n## Use Cases\r\n\r\n- **New credit application** (新客户授信申请)\r\n- **Credit renewal review** (存量客户续授信)\r\n- **Credit upgrade/downgrade analysis** (评级调整分析)\r\n- **Group credit assessment** (集团客户统一授信)\r\n- **Green credit facility** (绿色信贷项目评估)\r\n\r\n## Report Format\r\n\r\nFollows standard commercial bank credit memo format with sections:\r\n1. Executive Summary & Application\r\n2. Credit Analysis (Financials + Qualitative)\r\n3. Industry & Risk Assessment\r\n4. Security & Collateral\r\n5. Rating & Recommendation\r\n6. Approval Sign-off\r\n\r\n---\r\n**Skill Link:** https://clawhub.ai/gechengling/bank-credit-memo  \r\n**Author:** @gechengling  \r\n**Install:** `clawhub install bank-credit-memo`\n\nFile v1.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-memo\",\n  \"version\": \"1.0.0\",\n  \"publishedAt\": 1778140721867\n}\n\nFile v1.0.0:package.json\n\n{\r\n  \"name\": \"bank-credit-memo\",\r\n  \"version\": \"1.0.0\",\r\n  \"description\": \"AI-powered bank credit memo writer - generate structured credit analysis reports, credit ratings, and facility recommendations\",\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 memo\",\r\n    \"credit analysis\",\r\n    \"credit rating\",\r\n    \"lending\",\r\n    \"facility\",\r\n    \"信用备忘录\",\r\n    \"授信报告\",\r\n    \"信用评级\",\r\n    \"贷款审批\"\r\n  ],\r\n  \"author\": \"gechengling\",\r\n  \"license\": \"MIT\",\r\n  \"skill\": {\r\n    \"type\": \"conversation\",\r\n    \"triggers\": [\r\n      \"信用备忘录\",\r\n      \"授信报告\",\r\n      \"信用分析报告\",\r\n      \"评级报告\",\r\n      \"授信建议\",\r\n      \"贷款审批报告\",\r\n      \"信用审查报告\",\r\n      \"额度审批\",\r\n      \"贷款评审报告\"\r\n    ]\r\n  }\r\n}","readmeExcerpt":"Skill: Bank Credit Memo Owner: gechengling Summary: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations Tags: bank-credit-memo:4.1.2, latest:4.1.2 Version history: v4.1.2 | 2026-09-16T05:52:01.789Z | user v4.1.2: 新增数据最小化与产物确认前置声明；新增2026-09-16授信审批动态表；新增材料清单与必要性表；财务比率表增关注阈值与追问方向两列及现金流质量行；新增财务分析写作示例与行业分析写作要点表；评级表增授信政策含义","codeSnippets":[],"executableExamples":[],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\r\nname: Bank Credit Memo Writer\r\nslug: bank-credit-memo\r\ndescription: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations. Updated for 2024-2026 Basel III risk weight framework, ESG/green credit assessment, real estate \"whitelist\" policy, and digital supply chain finance. Keywords: credit memo, credit analysis, credit rating, loan approval, Basel III, ESG credit, China banking, 信用备忘录, 授信报告, 信用分析报告, 评级报告, 信贷审批, 贷款评估, 额度测算, 担保评估.\r\nversion: \"4.1.2\"\r\ntriggers:\r\n  - 信用备忘录\r\n  - 授信报告\r\n  - 信用分析报告\r\n  - 评级报告\r\n  - 授信建议\r\n  - 贷款审批报告\r\n  - 信用审查报告\r\n  - 额度审批\r\n  - 贷款评审报告\r\n---\r\n\r\n# Bank Credit Memo Writer\r\n# 银行信用备忘录撰写助手\r\n\r\n## 数据最小化与产物确认前置声明（每次撰写前默认生效）\r\n\r\n- **最小化录入**：撰写备忘录只需**聚合财务数据与结论性信息**（如\"近三年营收 3.2/3.8/4.1 亿元，资产负债率 58%\"）。**不要粘贴完整报表原件、银行流水、员工花名册、客户/供应商名单、自然人证件信息。**\r\n- **强制脱敏**：客户名称可用\"某公司\"或项目编号替代；涉及自然人（实控人、保证人）一律用编号或化名。\r\n- **产物先预览后流转**：生成的备忘录、评级结论、授信建议先在对话中完整呈现，由客户经理核对事实与数据版本后，**经有权审批人签字方可进入审批流程**。本 Skill 不代为提交审批系统。\r\n- **不替代专业判断**：评级与授信建议为**分析框架产物**，须经风险经理独立复核；涉及 AI 辅助生成的结论须留痕（输入数据版本、撰写人、复核人、复核时间）。\r\n\r\n### 银行监管最新动态 [2026-06-15更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | NFRA 2026年第2号令：《银行保险机构许可证管理办法》6月1日施行 | 2026-06 | 信用备忘录需更新许可证信息展示 |\r\n| 监管动态 | Basel III资本管理办法持续实施，三重风险计量规则逐步落地 | 2026-H1 | 信用备忘录需更新资本占用计算（Basel III风险权重） |\r\n| 监管动态 | 2026年Q1银行监管处罚分析：消费者权益保护处罚占比提升 | 2026-Q1 | 信用备忘录需增加消费者权益保护评估 |\r\n| 政策更新 | 交易账簿资本要求风险敏感性提高，12家上市银行资本占用变化 | 2025-11 | 授信方案需考虑资本占用变化 |\r\n\r\n> **数据截止**: 2026-06-15 | 来源：国家金融监督管理总局、银行业协会、安永分析\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | 金融监管总局发布《关于银行业保险业人工智能安全开发应用的指导意见》，明确资金交易、资产评估、信贷审批等为AI高风险应用场景 | 2026-06-18 | 银行AI应用合规与信贷风控 |\r\n| 监管计划 | NFRA《2026年规章制定工作计划》新制定《银行业保险业网络安全管理办法》，银行网络安全与数据安全从指导意见升级为刚性规章 | 2026-06-23 | 银行网络安全与数据合规 |\r\n| 监管施行 | NFRA 2026年第2号令《银行保险机构许可证管理办法》6月1日起施行，银行许可证管理纳入内控自评估 | 2026-06-01 | 银行合规审查与许可证管理 |\r\n\r\n> **数据截止**: 2026-06-28 | 来源：国家金融监督管理总局、行业公开信息\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n### 授信审批相关动态 [2026-09-16更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 | 本 Skill 对应动作 |\r\n|---------|---------|---------|---------|-----------------|\r\n| AI 治理 | 信贷审批列为 AI 高风险应用场景，AI 辅助结论需人工复核与留痕 | 2026-Q3 | 备忘录撰写、评级建议 | Phase 4 备忘录新增\"AI 辅助说明与人工复核\"栏 |\r\n| 绿色金融 | 绿色信贷导向强化，绿色项目认定与存续期管理要求趋严 | 2026-H1 | 绿色信贷授信报告 | 绿色信贷版新增认定材料清单 |\r\n| 资本管理 | Basel III 风险计量持续落地，风险权重影响授信定价与资本占用 | 2026-H1 | 授信方案与定价 | 授信方案建议新增资本占用说明 |\r\n| 数据合规 | 网络与数据安全管理要求升格，客户数据使用边界更明确 | 2026-Q3 | 备忘录中的客户信息展示 | 前置声明强化脱敏要求 |\r\n\r\n> **数据截止**: 2026-09-16 | 来源：国家金融监督管理总局及行业公开信息整理\r\n> **声明**: 以上动态供参考，具体条款与执行口径**以官方最新发布为准**\r\n\r\n## Skill Overview\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Report Generation |\r\n| **Target Users** | Bank credit officers, credit committee members, relationship managers |\r\n| **Core Capability** | Data analysis → Credit rating → Facility recommendation → Full memo generation |\r\n| **Industry** | Com"},{"path":"_meta.json","content":"{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-credit-memo\",\n  \"version\": \"4.1.2\",\n  \"publishedAt\": 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conclusion-level information, and avoid full bank statements, raw reports, customer lists, supplier lists, employee rosters, and natural-person identity details.\n\nRisk: Generated credit ratings, facility recommendations, and memo conclusions could be incorrect or incomplete if source data is stale, unsourced, or not independently checked.\n\nMitigation: Treat all outputs as drafts for qualified credit officers, risk managers, and authorized approvers to verify against source data before any lending decision or approval workflow.\n\n## Reference(s):\n\n- [Bank Credit Memo ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-credit-memo)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Guidance]\n\n**Output Format:** [Markdown reports and structured memo sections]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Draft credit ratings, facility recommendations, risk tables, review checklists, and memo variants require qualified human review before use in credit decisions.]\n\n## Skill Version(s):\n\n4.1.2 (source: frontmatter and server release metadata)\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 memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations Skill: Bank Credit Memo Owner: gechengling Summary: AI-powered bank credit memo and credit analysis report writer - generate structured credit analysis reports, credit ratings, and facility recommendations Tags: bank-credit-memo:4.1.2, latest:4.1.2 Version history: v4.1.2 | 2026-09-16T05:52:01.789Z | user v4.1.2: 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