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Triggers when users ask \"analyze XXX's risk\", \"is this project legit\", \"can I buy thi...\n\nTags: buffett:2.1.0, investment:2.1.0, latest:2.1.0, moat:2.1.0, ponzi:2.1.0, porters-five-forces:2.1.0, risk-analysis:2.1.0, stock-analysis:2.1.0, supply-chain-finance:2.1.0, valuation:2.1.0\n\nVersion history:\n\nv2.1.0 | 2026-04-29T02:20:35.185Z | auto\n\n**Major update: Porter's Five Forces, OCF quality analysis, and supply chain finance risk added**\n\n- Added Porter's Five Forces as a complementary framework to Buffett’s 5-layer approach for more robust industry risk analysis.\n- Introduced mandatory Operating Cash Flow (OCF) source quality checks, highlighting risks from supply chain financing and working capital manipulation.\n- New supply chain finance (迪链-type) risk section: outlines red flags, hidden liabilities, and supplier dependency risks in assessment.\n- Updated scoring criteria and tables to reflect these additional layers and the latest real-world case studies.\n- Skill description clarified to explicitly mention new frameworks and risk analysis requirements.\n\nv2.0.0 | 2026-04-29T01:29:08.719Z | auto\n\n**Version 2.0.0 — Major update: Now fully supports international (English) investment risk analysis with expanded framework.**\n\n- Language switched from Chinese to English throughout SKILL.md.\n- Expanded the Buffett 5-layer risk framework for broader applicability, including new metrics and quantitative benchmarks (e.g., P/E, PEG, ROE, FCF).\n- Added several new built-in case studies (e.g. TSLA, NVDA, PLTR, COIN, AMC, RIVN, BYD, Geely).\n- Introduced new output templates for risk assessment, cross-stock comparison, and quantitative scoring.\n- Coverage now includes specific sector checks (e.g., EV/gross margin, tech/free cash flow quality).\n- Documentation reorganized for clarity and global audience readability.\n\nv1.0.0 | 2026-04-29T00:54:07.199Z | auto\n\ninvestment-risk-scanner 1.0.0 初始发布\n\n- 提供基于巴菲特投资框架的五层风险检验体系（商业模式、单位经济、管理层、估值、安全边际、结构性风险）\n- 内置趣头条、StepN、WeWork 等经典案例作为风险参考\n- 支持根据用户投资相关提问自动触发分析模板\n- 提供综合评分卡与标准化输出结构便于快速判断\n- 引用飞书知识库及巴菲特经典原话辅助投资判断\n\nArchive index:\n\nArchive v2.1.0: 3 files, 8019 bytes\n\nFiles: skill-card.md (2090b), SKILL.md (16008b), _meta.json (142b)\n\nFile v2.1.0:SKILL.md\n\n---\nname: investment-risk-scanner\ndescription: >\n  Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask\n  \"analyze XXX's risk\", \"is this project legit\", \"can I buy this stock\", \"Buffett framework check\",\n  \"is this business model sustainable\", \"Ponzi\", \"subsidy dependent\", \"loss making\", \"valuation\".\n  \n  5-layer Buffett framework + Porter's Five Forces as complementary check.\n  Built-in cases: Qutoutiao, StepN, WeWork, Quibi, Tesla, NVDA, PLTR, COIN, AMC, RIVN, BYD, Geely.\n  Key addition: Supply Chain Finance risks (迪链-type tools), Hidden liabilities, OCF quality analysis.\n---\n\n# 🎯 Investment Risk Scanner — Buffett + Porter Framework\n\n## Core Question\n\n**\"What happens if the subsidies stop?\"** + **\"Where does the OCF actually come from?\"**\n\n- Users still stay without incentive? → Probably OK ✅\n- OCF comes from real business, not supplier/customer financing? → Clean ✅\n- Users leave immediately? → Ponzi-lite 🚨\n\n---\n\n## ⚠️ CRITICAL: OCF Source Quality Analysis\n\n**New mandatory check — Never look at OCF in isolation!**\n\n### OCF Quality Matrix\n\n| OCF Source | Quality | Example |\n|------------|---------|---------|\n| Real product/service sales | ✅ Clean | Apple iPhone sales |\n| From supplier financing (欠供应商钱) | ⚠️ Dirty | 迪链模式 ⚠️ |\n| From customer advance payments | ⚠️ Dirty | 预售模式 |\n| From regulatory subsidies | ⚠️ Conditional | EV补贴 |\n| From working capital manipulation | 🚨 Dangerous | 延付供应商+提前收客户 |\n\n**The 迪链 Lesson (BYD case)**:\n```\nBYD OCF = ¥593亿 → Looks great!\nBUT: ¥4000亿+ 迪链规模 = OCF partially from supplier financing\nReal business OCF ≈ ¥593亿 - 供应商资金占用 ≈ ？\n```\n\n---\n\n## Part 1: Five-Layer Buffett Framework\n\n### Layer 1: Business Model\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| Subsidy test | Users stay without incentive | 🚨 No (Qutoutiao/StepN) |\n| Moat describable? | Clear description | 🚨 Vague |\n| Competitor replication time | >3 years | 🚨 Cloneable anytime |\n| DCF/Owner Earnings | Positive or estimable | ⚠️ Unclear |\n\n### Layer 2: Unit Economics\n\n| Check | Formula | Danger Signal |\n|-------|---------|--------------|\n| User value | Ad revenue > incentive cost? | Qutoutiao style 🚨 |\n| Token value | Real cash flow support? | StepN style 🚨 |\n| Lending model | Rate > cost + defaults? | P2P style 🚨 |\n| Gross margin | >15% (industrial) | Below = weak ⚠️ |\n| Revenue vs FCF quality | Is growth funded by real economics? | ⚠️ |\n\n### Layer 3: Management\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| Skin in Game | Major personal stake | 🚨 Barely holds shares |\n| Track record | Delivers on promises | 🚨 Misses commitments |\n| Narrative | Talks about moat | 🚨 Only talks about growth |\n| Incentives | Aligned with shareholders | 🚨 Misaligned |\n| Supplier relations | Treats suppliers fairly | 🚨 Exploits suppliers |\n\n**Quantitative**: Founder/stakeholder ownership >20% = strong signal ✅\n\n### Layer 4: Valuation & Margin of Safety\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| DCF estimable? | Reasonable assumptions | 🚨 Pure speculation |\n| Margin of safety? | >30% | 🚨 Zero margin |\n| Sustainable growth? | <3% | �️ 5%+ unrealistic |\n| Growth quality? | Organic | 🚨 Fundraising-dependent |\n\n**Quantitative Thresholds**:\n\n| Metric | Safe ✅ | Warning ⚠️ | Danger 🚨 |\n|--------|---------|------------|--------|\n| Forward P/E | <20x | 20-40x | >40x |\n| PEG Ratio | <1.0 | 1.0-2.0 | >2.0 |\n| P/S | <2x | 2-5x | >5x |\n| P/B | <3x | 3-8x | >8x |\n| FCF | Positive | Breakeven | Persistent negative |\n| ROE | >15% | 8-15% | <8% |\n| Net Margin | >10% | 3-10% | <3% |\n| Debt/Equity | <30% | 30-60% | >60% |\n\n### Layer 5: Structural Risk\n\n| Check | Red Flag 🚩 |\n|-------|-------------|\n| Liquidity | Runway <12 months |\n| Regulation | Depends on regulatory arbitrage |\n| Technology | Single-tech dependency |\n| Competition | Rapidly disrupting industry |\n| Geopolitics | Major market concentration |\n| **Supply Chain Finance** | **Relies on supplier financing (迪链-type)** 🚨 |\n\n---\n\n## Part 2: Porter's Five Forces (Complementary Framework)\n\n### Why add Porter's Five Forces?\n\n**Buffett's blind spot**: He focuses on \"Is this a good business?\" but misses \"How does industry structure determine profitability?\"\n\n**The 迪链 lesson**: BYD looked great by Buffett metrics (OCF ¥593B, PE 19.7x) but Porter's Five Forces would immediately ask:\n> \"Why can BYD extract ¥4000B+ from suppliers?\" → Supplier power is weak → Unstable moat\n\n### The Five Forces\n\n```\n                    New Entrants\n                        ↓\n            ┌───────────────────────────┐\n            │    Industry Competition   │\n            │   (Price War = High)     │\n            └───────────────────────────┘\n            ↑                           ↑\n  Suppliers ←                           → Buyers\n(Weak = Good)                       (Competitive = Bad)\n```\n\n### Force 1: Bargaining Power of Suppliers\n\n| Supplier Power | Implication | Example |\n|----------------|-------------|---------|\n| Weak (fragmented) | Company can extract value | BYD vs small suppliers ✅ |\n| Strong (concentrated) | Suppliers capture value | Rare earth miners 🚨 |\n| **Danger Pattern** | Company survives by squeezing suppliers | 迪链模式 ⚠️ |\n\n**Critical Check**: *If a company's \"moat\" is based on supplier exploitation, how sustainable is it?*\n\n### Force 2: Bargaining Power of Buyers\n\n| Buyer Power | Implication | Example |\n|-------------|-------------|---------|\n| Weak (fragmented) | Company sets prices | Apple App Store ✅ |\n| Strong (concentrated) | Buyers extract value | Car dealers vs OEMs ⚠️ |\n| **In EV market** | Price war = buyer power HIGH | Bad for all EV makers ⚠️ |\n\n### Force 3: Competitive Rivalry\n\n| Competition Level | Signal | Example |\n|-----------------|--------|---------|\n| Low | Moat is real | Apple's ecosystem ✅ |\n| High (price war) | Commodity trap | China EV market 🚨 |\n| **Price War = Maturity Stage** | Buffett: \"bad industry\" | EV 2024-2026 ⚠️ |\n\n### Force 4: Threat of New Entrants\n\n| Barrier to Entry | Pass | Fail |\n|-----------------|------|------|\n| Capital requirements | High barrier ✅ | Low barrier 🚨 |\n| Network effects | Strong barrier ✅ | No barrier 🚨 |\n| Regulatory barriers | Protects incumbent ✅ | Open competition 🚨 |\n\n### Force 5: Threat of Substitutes\n\n| Substitute Risk | Example |\n|-----------------|---------|\n| Low | iPhone → App Store ecosystem ✅ |\n| High | Fuel car → EV ⚠️ |\n| Very High | Physical retail → E-commerce 🚨 |\n\n---\n\n## Part 3: Supply Chain Finance Risk (迪链-Type)\n\n### 🚨 New Mandatory Check\n\n**Ask this for every company:**\n\n| Check | Question | Danger Signal |\n|-------|----------|--------------|\n| Supply chain financing | Does company use supplier financing tools? | 迪链/商票模式 ⚠️ |\n| Scale | How large is supply chain finance? | >20% of OCF 🚨 |\n| Supplier dependency | Are suppliers highly dependent on this company? | Yes = systemic risk ⚠️ |\n| What-if scenario | What if sales drop 30%? Can suppliers survive? | Supplier collapse = company risk ⚠️ |\n\n### The 迪链 Pattern (Case Study)\n\n```\nCompany Profile:\n- OCF: ¥593B positive ✅\n- Apparent debt: ¥277B (5% of liabilities) ✅\n- Reality: ¥4000B+ 迪链 (supply chain financing) ⚠️\n- Real net debt: ¥3230B (vs reported ¥277B) 🚨\n\nKey Insight:\nOCF ¥593B ≠ \"Great business\"\nOCF ¥593B = \"Real business ¥593B\" + \"Supplier financing ¥???B\"\n\nDanger: If monthly sales drop below threshold (BYD: ~150k/month),\nsuppliers face cash crunch → systemic redemption crisis\n```\n\n### Red Flags for Supply Chain Finance\n\n| Flag | What It Means |\n|------|--------------|\n| Company brags about \"zero-interest supplier financing\" | They're extracting from suppliers ⚠️ |\n| Supplier Average Payment Period > 180 days | Likely using supply chain finance ⚠️ |\n| Reported debt low but company dominates suppliers | Hidden leverage ⚠️ |\n| Industry has \"dominant player\" + weak suppliers | Systemic risk if dominant player stumbles ⚠️ |\n\n---\n\n## Part 4: Hidden Liabilities Checklist\n\n### 🚨 New Section — Always Check These\n\n| Hidden Liability | How to Detect | Risk Level |\n|----------------|---------------|-----------|\n| Supply chain financing (迪链) | Notes payable + accounts payable days | 🚨 High |\n| Operating lease obligations | Off-balance sheet leases | ⚠️ Medium |\n| Product warranties/recalls | Accumulated warranty reserves | ⚠️ Medium |\n| Environmental remediation | EPA-type obligations | ⚠️ Medium |\n| Pension underfunding | Pension assets vs liabilities | ⚠️ Medium |\n| Related party guarantees | Guarantees on affiliate debt | 🚨 High |\n| Sales-type leasing (dealer inventory) | Auto manufacturers special | 🚨 High |\n\n**Formula for Real Net Debt**:\n```\nReal Net Debt = Reported Net Debt\n              + Supply Chain Finance (迪链-type)\n              + Operating Lease PV\n              + Pension Underfunding\n              + Related Party Guarantees\n              - Excess Cash above operational needs\n```\n\n---\n\n## Part 5: Industry Lifecycle Check\n\n### Which Stage Is This Industry In?\n\n| Stage | Characteristics | Investment Implication |\n|-------|----------------|----------------------|\n| **Introduction** | High growth, unproven model | High risk, high reward |\n| **Growth** | Revenue growing 20%+, competition emerging | Buy if moat forming |\n| **Mature** | Growth <10%, price war begins | ⚠️ Buffett: \"bad industry\" |\n| **Decline** | Revenue shrinking, overcapacity | 🚨 Avoid |\n\n**The Price War Signal**:\n```\nMature/Decline Indicators:\n- Industry-wide price cuts\n- \"Winner takes all\" narrative\n- Capacity expansion despite declining margins\n- Weak players not exiting\n→ Buffett 1977: \"In bad industries, even brilliant management fails\"\n```\n\n---\n\n## Updated Case Library\n\n| Project | Type | Conclusion |\n|---------|------|-----------|\n| Qutoutiao | Ponzi-lite | 🚨 Avoid — no moat, DCF always negative |\n| StepN | Ponzi-lite | 🚨 Avoid — token has no cash flow, Ponzi structure |\n| WeWork | Turnaround trap | 🚨 Avoid — no moat, management failure |\n| Quibi | Concept failure | 🚨 Avoid — no user stickiness, unit economics collapsed |\n| AMC | Meme-stock Ponzi | 🚨 Avoid — dilution machine, bankruptcy risk |\n| RIVN | EV price war victim | 🚨 Avoid — burning cash, no clear path to profit |\n| COIN | Crypto policy bet | 🚨 High Risk — regulatory uncertainty is existential |\n| TSLA | Dream stock | 🚨 High Risk — PE 341, Elon Musk concentration risk |\n| PLTR | Government dependency | ⚠️ Watch — AIP promising but PE 500+ is rich |\n| NVDA | AI infrastructure moat | ⚠️ Watch — real moat but fully priced in |\n| **BYD** | EV with hidden supply chain risk | 🚨 Watch — PE 19.7x cheap BUT ¥4000B+ 迪链 ⚠️⚠️ |\n| **Geely** | Cheap EV, strong founder | ⚠️ Watch — PE 11x extremely cheap, FCF positive |\n\n### BYD Analysis (Updated with 迪链 Finding)\n\n**Updated structural risk**: 🔴 **Extremely High** (was \"High\")\n\n| Risk | Level | Note |\n|------|-------|------|\n| 迪链 Supply Chain Finance | 🚨 ¥4000B+ hidden | Real net debt ¥3230B vs reported ¥277B |\n| Price War | 🚨 Extreme | China EV = mature stage, price war |\n| Geopolitical | 🚨 High | US 100% tariff, EU tariffs |\n| OCF Quality | ⚠️ Mixed | Real ¥593B + supplier financing |\n| Moat Sustainability | ⚠️ Uncertain | Moat based partly on supplier extraction |\n\n**New Conclusion**: ⚠️ **Watch — But with much higher risk than surface metrics show**\n\n---\n\n## Output Format Template (Updated)\n\n```\n## 🎯 [Name] Risk Assessment\n\n### 📋 Inspection Results\n| Dimension | Result | Note |\n|-----------|--------|------|\n| Business Model | ✅/⚠️/🚨 | [One sentence] |\n| Unit Economics | ✅/⚠️/🚨 | [One sentence] |\n| Management | ✅/⚠️/🚨 | [One sentence] |\n| Valuation | ✅/⚠️/🚨 | [One sentence] |\n| Structural Risk | Low/Med/High/🔴 Extreme | [Key risks] |\n\n### 🔍 OCF Quality Analysis [NEW]\n| OCF Component | Amount | Quality |\n|---------------|--------|---------|\n| Real business OCF | ¥XXX | ✅ Clean |\n| Supplier financing | ¥XXX | ⚠️ Dirty |\n| Customer advances | ¥XXX | ⚠️ Conditional |\n| **Total Reported OCF** | ¥XXX | [Mix assessment] |\n\n### ⚠️ Porter's Five Forces Summary\n| Force | Level | Implication |\n|-------|-------|-------------|\n| Supplier Power | Strong/Weak | [Note] |\n| Buyer Power | Strong/Weak | [Note] |\n| Competitive Rivalry | High/Med/Low | [Note] |\n| New Entrant Threat | High/Med/Low | [Note] |\n| Substitute Threat | High/Med/Low | [Note] |\n\n### ⚠️ Key Risks\n1. [Most serious risk — include hidden liabilities if found]\n2. [Secondary risk]\n3. [Other observations]\n\n### ✅ Potential Upsides\n1. [If any]\n2. [If any]\n\n### 📊 Quantitative Scorecard\n| Metric | Value | Signal |\n|--------|-------|--------|\n| Forward P/E | xxx | ✅/⚠️/🚨 |\n| PEG | xxx | ✅/⚠️/🚨 |\n| ROE | xxx | ✅/⚠️/🚨 |\n| FCF | xxx | ✅/⚠️/🚨 |\n| Real Net Debt | xxx (vs reported yyy) | ⚠️ Hidden risk |\n| Debt/Equity | xxx | ✅/⚠️/🚨 |\n\n### 📌 Framework Quotes\n> \"[Relevant Buffett quote]\"\n> \"[Relevant Porter insight]\"\n\n---\n**Overall**: □ Investable  □ Watch  □ Avoid\n```\n\n---\n\n## Cross-Stock Comparison Template (Updated)\n\n```\n| Metric | [Stock A] | [Stock B] | Winner |\n|--------|-----------|-----------|--------|\n| Market Cap | $X | $Y | [A/B] |\n| Forward P/E | Xx | Yx | ✅ Cheaper |\n| **Real Net Debt** | ¥X (rep ¥Y) | ¥X (rep ¥Y) | ⚠️ Hidden risk |\n| **OCF Quality** | Clean/Mixed/Dirty | Clean/Mixed/Dirty | ✅ Cleaner |\n| ROE | X% | Y% | ✅ Higher |\n| Net Margin | X% | Y% | ✅ Higher |\n| FCF | $X | $Y | ✅ Better |\n| Debt/Equity | X% | Y% | ✅ Lower risk |\n| Supplier Power Dependency | High/Med/Low | High/Med/Low | ⚠️ Risk |\n| Founder Ownership | X% | Y% | ✅ Stronger |\n| Moat Depth | Strong/Med/Weak | ... | ... |\n| Price War Resilience | Strong/Med/Weak | ... | ... |\n| Industry Lifecycle | Intro/Growth/Mature/Decline | ... | ... |\n\nOverall: □ [A]  □ [B]  □ Tie\n```\n\n---\n\n## Quantitative Decision Matrix\n\nWhen scoring, use 1-5 stars:\n\n| Score | Meaning | Action |\n|-------|---------|--------|\n| ⭐⭐⭐⭐⭐ (5) | Exceptional — rare opportunity | Strong buy |\n| ⭐⭐⭐⭐ (4) | Good — meets all criteria | Buy on dips |\n| ⭐⭐⭐ (3) | Average — mixed signals | Watch only |\n| ⭐⭐ (2) | Below average — multiple concerns | Avoid or sell |\n| ⭐ (1) | Poor — fails most tests | Avoid |\n\n**Final Score = Average of 5 layers**\n**Penalty**: If hidden liabilities >50% of reported → automatic downgrade 1 star\n\n---\n\n## Key Lessons from Recent Cases\n\n### The 迪链 Lesson (BYD)\n```\nWhat we missed: OCF ¥593B looked great, but didn't ask \"HOW?\"\nBuffett asks: \"Is this a good business?\"\nPorter asks: \"Why can this company extract ¥4000B from suppliers?\"\nAnswer: Because suppliers are weak → Not a sustainable moat\nNew rule: Always ask \"Where does the OCF actually come from?\"\n```\n\n### The Correct Process\n```\n1. Buffett Layer 1-5: Check business quality\n2. OCF Quality Check: Is OCF from real business or financing?\n3. Porter Five Forces: Why does industry structure allow this?\n4. Hidden Liabilities: What's NOT on the balance sheet?\n5. Industry Lifecycle: Is this a price war (mature) industry?\n```\n\n---\n\n## Related Resources\n\n- Buffett Moat Framework: [[护城河 (Moat) - 投资概念]]\n- Buffett Valuation: [[内在价值 (Intrinsic Value)]]\n- Safety Margin: [[安全边际 (Margin of Safety)]]\n- Complete checklist: Feishu Wiki (投资风险快筛表)\n\nFile v2.1.0:_meta.json\n\n{\n  \"ownerId\": \"kn7bxc79hkset41rq175brg97s85g8c1\",\n  \"slug\": \"investment-risk-scanner\",\n  \"version\": \"2.1.0\",\n  \"publishedAt\": 1777429235185\n}\n\nFile v2.1.0:skill-card.md\n\n## Description:\n\nInvestment risk scanner using Buffett and Porter's Five Forces frameworks, with checks for operating cash flow quality, hidden liabilities, supply chain finance risk, valuation, management incentives, and business model durability.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[gold3bear](https://clawhub.ai/user/gold3bear)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nExternal users and developers use this skill to guide investment risk reviews for companies, stocks, and business models using Buffett-style quality checks, Porter's Five Forces, OCF quality analysis, and hidden-liability screening. Its output should be treated as analytical guidance, not personalized financial advice.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The skill may produce strongly opinionated investment conclusions based on case judgments that can become dated or may not cite current data.\n\nMitigation: Verify current financial statements, market data, and source assumptions independently before relying on the analysis.\n\nRisk: Users could mistake the generated investment risk assessment for personalized financial advice.\n\nMitigation: Present outputs as educational or analytical guidance and require human review before any investment decision.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/gold3bear/skills/investment-risk-scanner)\n\n## Skill Output:\n\n**Output Type(s):** [Analysis, Markdown, Guidance]\n\n**Output Format:** [Markdown risk assessment with tables, scorecards, and concise recommendations]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [May include risk labels, qualitative scores, financial metric checks, and comparison tables.]\n\n## Skill Version(s):\n\n2.1.0 (source: 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 v2.0.0: 2 files, 3418 bytes\n\nFiles: SKILL.md (6974b), _meta.json (142b)\n\nFile v2.0.0:SKILL.md\n\n---\nname: investment-risk-scanner\ndescription: >\n  Investment risk scanner using Buffett framework. Triggers when users ask \"analyze XXX's risk\",\n  \"is this project legit\", \"can I buy this stock\", \"Buffett framework check\",\n  \"is this business model sustainable\", \"Ponzi\", \"subsidy dependent\", \"loss making\", \"valuation\".\n  \n  5-layer framework: Business Model, Unit Economics, Management, Valuation Safety Margin, Structural Risk.\n  Built-in cases: Qutoutiao, StepN, WeWork, Quibi, Tesla, NVDA, PLTR, COIN, AMC, RIVN, BYD, Geely.\n---\n\n# 🎯 Investment Risk Scanner — Buffett Framework\n\n## Core Question\n\n**\"What happens if the subsidies stop?\"**\n\n- Users still stay? → Probably OK ✅\n- Users leave immediately? → Ponzi-lite 🚨\n\n---\n\n## Five-Layer Inspection System\n\n### Layer 1: Business Model\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| Subsidy test | Users stay without incentive | 🚨 No (Qutoutiao/StepN) |\n| Moat describable? | Clear description | 🚨 Vague |\n| Competitor replication time | >3 years | 🚨 Cloneable anytime |\n| DCF/Owner Earnings | Positive or estimable | ⚠️ Unclear |\n\n### Layer 2: Unit Economics\n\n| Check | Formula | Danger Signal |\n|-------|---------|--------------|\n| User value | Ad revenue > incentive cost? | Qutoutiao style 🚨 |\n| Token value | Real cash flow support? | StepN style 🚨 |\n| Lending model | Rate > cost + defaults? | P2P style 🚨 |\n| For EV/Cars | Gross margin > 15%? | Below = weak ⚠️ |\n| For Tech | Revenue growth - FCF quality? | Burning cash > revenue ⚠️ |\n\n### Layer 3: Management\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| Skin in Game | Major personal stake | 🚨 Barely holds shares |\n| Track record | Delivers on promises | 🚨 Misses commitments |\n| Narrative | Talks about moat | 🚨 Only talks about growth |\n| Incentives | Aligned with shareholders | 🚨 Misaligned |\n\n**Quantitative**: Founder/stakeholder ownership >20% = strong signal ✅\n\n### Layer 4: Valuation & Margin of Safety\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| DCF estimable? | Reasonable assumptions | 🚨 Pure speculation |\n| Margin of safety? | >30% | 🚨 Zero margin |\n| Sustainable growth? | <3% | 🚨 5%+ unrealistic |\n| Growth quality? | Organic | 🚨 Fundraising-dependent |\n\n**Quantitative Thresholds**:\n\n| Metric | Safe ✅ | Warning ⚠️ | Danger 🚨 |\n|--------|---------|------------|--------|\n| Forward P/E | <20x | 20-40x | >40x |\n| PEG Ratio | <1.0 | 1.0-2.0 | >2.0 |\n| P/S | <2x | 2-5x | >5x |\n| P/B | <3x | 3-8x | >8x |\n| FCF | Positive | Breakeven | Persistent negative |\n| ROE | >15% | 8-15% | <8% |\n| Net Margin | >10% | 3-10% | <3% |\n| Debt/Equity | <30% | 30-60% | >60% |\n\n### Layer 5: Structural Risk\n\n| Check | Red Flag 🚩 |\n|-------|-------------|\n| Liquidity | Runway <12 months |\n| Regulation | Depends on regulatory arbitrage |\n| Technology | Single-tech dependency |\n| Competition | Rapidly disrupting industry |\n| Geopolitics | Major market concentration |\n\n---\n\n## Comprehensive Scoring Card\n\n```\nProject Name: ________________\n\n□ Business Model      □ Pass / □ Watch / □ Avoid\n□ Unit Economics      □ Pass / □ Watch / □ Avoid\n□ Management          □ Pass / □ Watch / □ Avoid\n□ Valuation Safety    □ Pass / □ Watch / □ Avoid\n□ Structural Risk     □ Low / □ Medium / □ High\n\nOverall: □ Investable  □ Watch  □ Avoid\n```\n\n---\n\n## Built-in Case Library\n\n| Project | Type | Conclusion |\n|---------|------|-----------|\n| Qutoutiao | Ponzi-lite | 🚨 Avoid — no moat, DCF always negative |\n| StepN | Ponzi-lite | 🚨 Avoid — token has no cash flow, Ponzi structure |\n| WeWork | Turnaround trap | 🚨 Avoid — no moat, management failure |\n| Quibi | Concept failure | 🚨 Avoid — no user stickiness, unit economics collapsed |\n| AMC | Meme-stock Ponzi | 🚨 Avoid — dilution machine, bankruptcy risk |\n| RIVN | EV price war victim | 🚨 Avoid — burning cash, no clear path to profit |\n| COIN | Crypto policy bet | 🚨 High Risk — regulatory uncertainty is existential |\n| TSLA | Dream stock | 🚨 High Risk — PE 341, Elon Musk concentration risk |\n| PLTR | Government dependency | ⚠️ Watch — AIP promising but PE 500+ is rich |\n| NVDA | AI infrastructure moat | ⚠️ Watch — real moat but fully priced in |\n| **BYD** | EV Toyota model | ⚠️ Watch — cheap (PE 19.7x) but price war pressure |\n| **Geely** | Cheap EV with strong founder | ⚠️ Watch — PE 11x extremely cheap, FCF positive |\n\n---\n\n## Output Format Template\n\n```\n## 🎯 [Name] Risk Assessment\n\n### 📋 Inspection Results\n| Dimension | Result | Note |\n|-----------|--------|------|\n| Business Model | ✅/⚠️/🚨 | [One sentence] |\n| Unit Economics | ✅/⚠️/🚨 | [One sentence] |\n| Management | ✅/⚠️/🚨 | [One sentence] |\n| Valuation | ✅/⚠️/🚨 | [One sentence] |\n| Structural Risk | Low/Med/High | [Key risks] |\n\n### 💡 Core Judgment\n[2-3 sentences with key conclusion]\n\n### ⚠️ Key Risks\n1. [Most serious risk]\n2. [Secondary risk]\n3. [Other observations]\n\n### ✅ Potential Upsides\n1. [If any]\n2. [If any]\n\n### 📊 Quantitative Scorecard\n| Metric | Value | Signal |\n|--------|-------|--------|\n| Forward P/E | xxx | ✅/⚠️/🚨 |\n| PEG | xxx | ✅/⚠️/🚨 |\n| ROE | xxx | ✅/⚠️/🚨 |\n| FCF | xxx | ✅/⚠️/🚨 |\n| Debt/Equity | xxx | ✅/⚠️/🚨 |\n\n### 📌 Buffett Framework Quotes\n> \"[Relevant quote]\"\n\n---\n**Overall**: □ Investable  □ Watch  □ Avoid\n```\n\n---\n\n## Cross-Stock Comparison Template\n\nUse this when comparing 2+ stocks:\n\n```\n| Metric | [Stock A] | [Stock B] | Winner |\n|--------|-----------|-----------|--------|\n| Market Cap | $X | $Y | [A/B] |\n| Forward P/E | Xx | Yx | ✅ Cheaper |\n| PEG | X | Y | ✅ Cheaper |\n| ROE | X% | Y% | ✅ Higher |\n| Net Margin | X% | Y% | ✅ Higher |\n| FCF | $X | $Y | ✅ Better |\n| FCF Quality | Positive/Negative | ... | ... |\n| Debt/Equity | X% | Y% | ✅ Lower risk |\n| Founder Ownership | X% | Y% | ✅ Stronger |\n| Moat Depth | Strong/Med/Weak | ... | ... |\n| Price War Resilience | Strong/Med/Weak | ... | ... |\n| 52W Performance | +X% | +Y% | Momentum |\n\nOverall: □ [A]  □ [B]  □ Tie\n```\n\n---\n\n## Quantitative Decision Matrix\n\nWhen scoring, use 1-5 stars:\n\n| Score | Meaning | Action |\n|-------|---------|--------|\n| ⭐⭐⭐⭐⭐ (5) | Exceptional — rare opportunity | Strong buy |\n| ⭐⭐⭐⭐ (4) | Good — meets all criteria | Buy on dips |\n| ⭐⭐⭐ (3) | Average — mixed signals | Watch only |\n| ⭐⭐ (2) | Below average — multiple concerns | Avoid or sell |\n| ⭐ (1) | Poor — fails most tests | Avoid |\n\n**Final Score = Average of 5 layers**\n\n---\n\n## Related Resources\n\n- Buffett Moat Framework: [[护城河 (Moat) - 投资概念]]\n- Buffett Valuation: [[内在价值 (Intrinsic Value)]]\n- Safety Margin: [[安全边际 (Margin of Safety)]]\n- Complete checklist: Feishu Wiki (投资风险快筛表)\n\nFile v2.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn7bxc79hkset41rq175brg97s85g8c1\",\n  \"slug\": \"investment-risk-scanner\",\n  \"version\": \"2.0.0\",\n  \"publishedAt\": 1777426148719\n}\n\nArchive v1.0.0: 2 files, 2455 bytes\n\nFiles: SKILL.md (4465b), _meta.json (142b)\n\nFile v1.0.0:SKILL.md\n\n---\nname: investment-risk-scanner\ndescription: >\n  投资风险扫描工具。当用户询问\"分析XXX的风险\"、\"帮我看看这个项目靠不靠谱\"、\n  \"这个股票能买吗\"、\"帮我用巴菲特框架检验一下\"、\"这个商业模式可持续吗\"、\n  \"庞氏\"、\"旁氏\"、\"补贴\"、\"亏损\"、\"估值\"等相关投资分析问题时触发。\n  基于巴菲特投资框架，包含5层检验体系：商业模式、单位经济、管理层、估值安全边际、结构性风险。\n  内置趣头条/StepN/WeWork等经典案例参考。\n---\n\n# 投资风险快筛表 - 巴菲特框架\n\n## 核心原则\n\n**问自己一个问题就够了：停掉补贴会怎样？**\n\n- 用户还愿意用？→ 可能OK\n- 用户立刻流失？→ 庞氏lite 🚨\n\n---\n\n## 五层检验体系\n\n### 第一层：商业模式检验\n\n| 检查项 | 通过 ✅ | 危险 🚨 |\n|--------|--------|---------|\n| 停掉补贴，用户还愿意用吗？ | ✅ 是 | 🚨 否（趣头条/StepN）|\n| 护城河清晰可描述吗？ | ✅ 能描述 | 🚨 说不清 |\n| 竞争对手复制需要多久？ | ✅ >3年 | 🚨 随时可复制 |\n| DCF/所有者收益？ | ✅ 正或可测算 | ⚠️ 需追问 |\n\n### 第二层：单位经济检验\n\n| 检查项 | 公式 | 危险信号 |\n|--------|------|---------|\n| 用户价值 | 广告收入 > 激励成本？ | 趣头条式 🚨 |\n| Token价值 | 有真实现金流支撑？ | StepN式 🚨 |\n| 借贷模型 | 利率 > 成本+坏账？ | P2P式 🚨 |\n\n### 第三层：管理层检验\n\n| 检查项 | 通过 ✅ | 危险 🚨 |\n|--------|--------|---------|\n| Skin in the Game | 管理层自己大比例持股 | 🚨 几乎不持有 |\n| 历史兑现 | 按时交付承诺 | 🚨 常开空头支票 |\n| 讲什么 | 讲护城河 | 🚨 只讲规模 |\n| 激励机制 | 与股东利益一致 | 🚨 利益冲突 |\n\n### 第四层：估值与安全边际\n\n| 检查项 | 通过 ✅ | 危险 🚨 |\n|--------|--------|---------|\n| DCF可测算？ | 可以合理估算 | 🚨 完全无法估算 |\n| 安全边际？ | >30% | 🚨 零安全边际 |\n| 永续增长假设？ | <3% | 🚨 5%+不现实 |\n| 增长质量？ | 内生增长 | 🚨 靠融资输血 |\n\n### 第五层：结构性风险\n\n| 检查项 | 红旗 🚩 |\n|--------|---------|\n| 流动性 | 资金断链 <12个月 |\n| 监管 | 依赖监管套利 |\n| 技术 | 单一技术依赖 |\n| 竞争 | 快速颠覆行业 |\n\n---\n\n## 综合评分卡\n\n```\n项目名称：________________\n\n□ 商业模式检验    □ 通过 / □ 观察 / □ 回避\n□ 单位经济检验    □ 通过 / □ 观察 / □ 回避\n□ 管理层检验      □ 通过 / □ 观察 / □ 回避\n□ 估值安全边际    □ 通过 / □ 观察 / □ 回避\n□ 结构性风险      □ 低风险 / □ 中风险 / □ 高风险\n\n综合结论：□ 可投资  □ 观察  □ 回避\n```\n\n---\n\n## 经典案例速查\n\n| 项目 | 类型 | 结论 |\n|------|------|------|\n| 趣头条 | 庞氏lite | 🚨 回避 — 无护城河，DCF永远为负 |\n| StepN | 庞氏lite | 🚨 回避 — Token无现金流，庞氏结构 |\n| WeWork | 困境反转陷阱 | 🚨 回避 — 无护城河，管理失败 |\n| Quibi | 概念验证失败 | 🚨 回避 — 用户无粘性，单位经济崩溃 |\n| 亚马逊 | 战略性亏损 | ⚠️ 观察 — 有护城河，管理层优秀 |\n| 苹果 | 消费护城河 | ✅ 可投资 — 生态护城河，现金流强 |\n\n---\n\n## 输出格式\n\n分析任意项目时，使用以下结构输出：\n\n```\n## 🎯 [项目名称] 风险评估\n\n### 📋 检验结果\n| 维度 | 结果 | 说明 |\n|------|------|------|\n| 商业模式 | ✅/⚠️/🚨 | [一句话说明] |\n| 单位经济 | ✅/⚠️/🚨 | [一句话说明] |\n| 管理层 | ✅/⚠️/🚨 | [一句话说明] |\n| 估值安全 | ✅/⚠️/🚨 | [一句话说明] |\n| 结构性风险 | 低/中/高 | [主要风险] |\n\n### 💡 核心判断\n[2-3句话给出核心结论]\n\n### ⚠️ 主要危险信号\n1. [最严重的风险点]\n2. [次要风险点]\n3. [其他观察]\n\n### ✅ 潜在亮点\n1. [如果有的话]\n2. [如果有的话]\n\n### 📌 巴菲特框架原话\n> \"[引用相关原话，来自知识库]\"\n\n---\n**综合建议**：□ 可投资  □ 观察  □ 回避\n```\n\n---\n\n## 相关资源\n\n- 飞书知识库完整检验表：https://www.feishu.cn/wiki/YNwHw4z7hiM3msk04epcvzzknvd\n- 巴菲特护城河框架：飞书知识库 → 护城河 (Moat)\n- 巴菲特估值框架：飞书知识库 → 内在价值 (Intrinsic Value)\n\nFile v1.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn7bxc79hkset41rq175brg97s85g8c1\",\n  \"slug\": \"investment-risk-scanner\",\n  \"version\": \"1.0.0\",\n  \"publishedAt\": 1777424047199\n}","readmeExcerpt":"Skill: Investment Risk Scanner (Buffett + Porter Framework) Owner: gold3bear Summary: Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask \"analyze XXX's risk\", \"is this project legit\", \"can I buy thi... Tags: buffett:2.1.0, investment:2.1.0, latest:2.1.0, moat:2.1.0, ponzi:2.1.0, porters-five-forces:2.1.0, risk-analysis:2.1.0, stock-analysis:2.1.0, supply-chain-finance:2.1.","codeSnippets":[],"executableExamples":[{"language":"text","snippet":"BYD OCF = ¥593亿 → Looks great!\nBUT: ¥4000亿+ 迪链规模 = OCF partially from supplier financing\nReal business OCF ≈ ¥593亿 - 供应商资金占用 ≈ ？"},{"language":"text","snippet":"New Entrants\n                        ↓\n            ┌───────────────────────────┐\n            │    Industry Competition   │\n            │   (Price War = High)     │\n            └───────────────────────────┘\n            ↑                           ↑\n  Suppliers ←                           → Buyers\n(Weak = Good)                       (Competitive = Bad)"},{"language":"text","snippet":"Company Profile:\n- OCF: ¥593B positive ✅\n- Apparent debt: ¥277B (5% of liabilities) ✅\n- Reality: ¥4000B+ 迪链 (supply chain financing) ⚠️\n- Real net debt: ¥3230B (vs reported ¥277B) 🚨\n\nKey Insight:\nOCF ¥593B ≠ \"Great business\"\nOCF ¥593B = \"Real business ¥593B\" + \"Supplier financing ¥???B\"\n\nDanger: If monthly sales drop below threshold (BYD: ~150k/month),\nsuppliers face cash crunch → systemic redemption crisis"},{"language":"text","snippet":"Real Net Debt = Reported Net Debt\n              + Supply Chain Finance (迪链-type)\n              + Operating Lease PV\n              + Pension Underfunding\n              + Related Party Guarantees\n              - Excess Cash above operational needs"},{"language":"text","snippet":"Mature/Decline Indicators:\n- Industry-wide price cuts\n- \"Winner takes all\" narrative\n- Capacity expansion despite declining margins\n- Weak players not exiting\n→ Buffett 1977: \"In bad industries, even brilliant management fails\""},{"language":"text","snippet":"## 🎯 [Name] Risk Assessment\n\n### 📋 Inspection Results\n| Dimension | Result | Note |\n|-----------|--------|------|\n| Business Model | ✅/⚠️/🚨 | [One sentence] |\n| Unit Economics | ✅/⚠️/🚨 | [One sentence] |\n| Management | ✅/⚠️/🚨 | [One sentence] |\n| Valuation | ✅/⚠️/🚨 | [One sentence] |\n| Structural Risk | Low/Med/High/🔴 Extreme | [Key risks] |\n\n### 🔍 OCF Quality Analysis [NEW]\n| OCF Component | Amount | Quality |\n|---------------|--------|---------|\n| Real business OCF | ¥XXX | ✅ Clean |\n| Supplier financing | ¥XXX | ⚠️ Dirty |\n| Customer advances | ¥XXX | ⚠️ Conditional |\n| **Total Reported OCF** | ¥XXX | [Mix assessment] |\n\n### ⚠️ Porter's Five Forces Summary\n| Force | Level | Implication |\n|-------|-------|-------------|\n| Supplier Power | Strong/Weak | [Note] |\n| Buyer Power | Strong/Weak | [Note] |\n| Competitive Rivalry | High/Med/Low | [Note] |\n| New Entrant Threat | High/Med/Low | [Note] |\n| Substitute Threat | High/Med/Low | [Note] |\n\n### ⚠️ Key Risks\n1. [Most serious risk — include hidden liabilities if found]\n2. [Secondary risk]\n3. [Other observations]\n\n### ✅ Potential Upsides\n1. [If any]\n2. [If any]\n\n### 📊 Quantitative Scorecard\n| Metric | Value | Signal |\n|--------|-------|--------|\n| Forward P/E | xxx | ✅/⚠️/🚨 |\n| PEG | xxx | ✅/⚠️/🚨 |\n| ROE | xxx | ✅/⚠️/🚨 |\n| FCF | xxx | ✅/⚠️/🚨 |\n| Real Net Debt | xxx (vs reported yyy) | ⚠️ Hidden risk |\n| Debt/Equity | xxx | ✅/⚠️/🚨 |\n\n### 📌 Framework Quotes\n> \"[Relevant Buffett quote]\"\n> \"[Relevant Porter insight]\"\n\n---\n**Overall**: □ Investable  □ Watch  □ Avoid"}],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\nname: investment-risk-scanner\ndescription: >\n  Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask\n  \"analyze XXX's risk\", \"is this project legit\", \"can I buy this stock\", \"Buffett framework check\",\n  \"is this business model sustainable\", \"Ponzi\", \"subsidy dependent\", \"loss making\", \"valuation\".\n  \n  5-layer Buffett framework + Porter's Five Forces as complementary check.\n  Built-in cases: Qutoutiao, StepN, WeWork, Quibi, Tesla, NVDA, PLTR, COIN, AMC, RIVN, BYD, Geely.\n  Key addition: Supply Chain Finance risks (迪链-type tools), Hidden liabilities, OCF quality analysis.\n---\n\n# 🎯 Investment Risk Scanner — Buffett + Porter Framework\n\n## Core Question\n\n**\"What happens if the subsidies stop?\"** + **\"Where does the OCF actually come from?\"**\n\n- Users still stay without incentive? → Probably OK ✅\n- OCF comes from real business, not supplier/customer financing? → Clean ✅\n- Users leave immediately? → Ponzi-lite 🚨\n\n---\n\n## ⚠️ CRITICAL: OCF Source Quality Analysis\n\n**New mandatory check — Never look at OCF in isolation!**\n\n### OCF Quality Matrix\n\n| OCF Source | Quality | Example |\n|------------|---------|---------|\n| Real product/service sales | ✅ Clean | Apple iPhone sales |\n| From supplier financing (欠供应商钱) | ⚠️ Dirty | 迪链模式 ⚠️ |\n| From customer advance payments | ⚠️ Dirty | 预售模式 |\n| From regulatory subsidies | ⚠️ Conditional | EV补贴 |\n| From working capital manipulation | 🚨 Dangerous | 延付供应商+提前收客户 |\n\n**The 迪链 Lesson (BYD case)**:\n```\nBYD OCF = ¥593亿 → Looks great!\nBUT: ¥4000亿+ 迪链规模 = OCF partially from supplier financing\nReal business OCF ≈ ¥593亿 - 供应商资金占用 ≈ ？\n```\n\n---\n\n## Part 1: Five-Layer Buffett Framework\n\n### Layer 1: Business Model\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| Subsidy test | Users stay without incentive | 🚨 No (Qutoutiao/StepN) |\n| Moat describable? | Clear description | 🚨 Vague |\n| Competitor replication time | >3 years | 🚨 Cloneable anytime |\n| DCF/Owner Earnings | Positive or estimable | ⚠️ Unclear |\n\n### Layer 2: Unit Economics\n\n| Check | Formula | Danger Signal |\n|-------|---------|--------------|\n| User value | Ad revenue > incentive cost? | Qutoutiao style 🚨 |\n| Token value | Real cash flow support? | StepN style 🚨 |\n| Lending model | Rate > cost + defaults? | P2P style 🚨 |\n| Gross margin | >15% (industrial) | Below = weak ⚠️ |\n| Revenue vs FCF quality | Is growth funded by real economics? | ⚠️ |\n\n### Layer 3: Management\n\n| Check | Pass ✅ | Danger 🚨 |\n|-------|---------|-----------|\n| Skin in Game | Major personal stake | 🚨 Barely holds shares |\n| Track record | Delivers on promises | 🚨 Misses commitments |\n| Narrative | Talks about moat | 🚨 Only talks about growth |\n| Incentives | Aligned with shareholders | 🚨 Misaligned |\n| Supplier relations | Treats suppliers fairly | 🚨 Exploits suppliers |\n\n**Quantitative**: Founder/stakeholder ownership >20% = strong signal ✅\n\n### Layer 4: Valuation & Margin of Safety\n\n| Check | Pass ✅ | Danger 🚨 |\n|----"},{"path":"_meta.json","content":"{\n  \"ownerId\": \"kn7bxc79hkset41rq175brg97s85g8c1\",\n  \"slug\": \"investment-risk-scanner\",\n  \"version\": \"2.1.0\",\n  \"publishedAt\": 1777429235185\n}"},{"path":"skill-card.md","content":"## Description:\n\nInvestment risk scanner using Buffett and Porter's Five Forces frameworks, with checks for operating cash flow quality, hidden liabilities, supply chain finance risk, valuation, management incentives, and business model durability.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[gold3bear](https://clawhub.ai/user/gold3bear)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nExternal users and developers use this skill to guide investment risk reviews for companies, stocks, and business models using Buffett-style quality checks, Porter's Five Forces, OCF quality analysis, and hidden-liability screening. Its output should be treated as analytical guidance, not personalized financial advice.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The skill may produce strongly opinionated investment conclusions based on case judgments that can become dated or may not cite current data.\n\nMitigation: Verify current financial statements, market data, and source assumptions independently before relying on the analysis.\n\nRisk: Users could mistake the generated investment risk assessment for personalized financial advice.\n\nMitigation: Present outputs as educational or analytical guidance and require human review before any investment decision.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/gold3bear/skills/investment-risk-scanner)\n\n## Skill Output:\n\n**Output Type(s):** [Analysis, Markdown, Guidance]\n\n**Output Format:** [Markdown risk assessment with tables, scorecards, and concise recommendations]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [May include risk labels, qualitative scores, financial metric checks, and comparison tables.]\n\n## Skill Version(s):\n\n2.1.0 (source: 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":"Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask \"analyze XXX's risk\", \"is this project legit\", \"can I buy thi... Skill: Investment Risk Scanner (Buffett + Porter Framework) Owner: gold3bear Summary: Investment risk scanner using Buffett + Porter's Five Forces framework. Triggers when users ask \"analyze XXX's risk\", \"is this project legit\", \"can I buy thi... 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