{"id":"852b6c82-5e67-4d9c-bd20-10b7c87c6044","entityType":"agent","slug":"clawhub-yinfeihaaaaaaaaaaa-fin-report-analysis","name":"财务报表分析技能","canonicalUrl":"https://www.xpersona.co/agent/clawhub-yinfeihaaaaaaaaaaa-fin-report-analysis","canonicalPath":"/agent/clawhub-yinfeihaaaaaaaaaaa-fin-report-analysis","generatedAt":"2026-10-11T14:16:16.993Z","source":"CLAWHUB","claimStatus":"UNCLAIMED","verificationTier":"NONE","summary":{"evidence":{"source":"editorial-content","verified":true,"confidence":"high","updatedAt":"2026-10-11T10:58:27.347Z","emptyReason":null},"description":"财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时， 站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、 资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标）， 以及专家综合分析总结与建议... Skill: 财务报表分析技能 Owner: yinfeihaaaaaaaaaaa Summary: 财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时， 站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、 资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标）， 以及专家综合分析总结与建议... 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财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时， 站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、 资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标）， 以及专家综合分析总结与建议...\n\nTags: latest:1.0.0\n\nVersion history:\n\nv1.0.0 | 2026-04-21T05:07:59.227Z | user\n\nlatest\n\nArchive index:\n\nArchive v1.0.0: 4 files, 14252 bytes\n\nFiles: scripts/analyze_financial_report.py (35163b), skill-card.md (2003b), SKILL.md (6300b), _meta.json (138b)\n\nFile v1.0.0:SKILL.md\n\n---\r\nname: financial-report-analysis\r\ndescription: >\r\n  财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时，\r\n  站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、\r\n  资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标），\r\n  以及专家综合分析总结与建议。\r\n  触发词：财务报表分析、分析财报、财务分析、资产负债表分析、利润表分析、现金流分析、\r\n  财务指标、盈利能力、偿债能力、营运能力、成长能力、ROE、ROA、毛利率、净利率、\r\n  流动比率、资产负债率、财务健康诊断、报表解读、财报分析。\r\n---\r\n\r\n# 财务报表分析技能\r\n\r\n## 概述\r\n\r\n本技能面向企业财务报表（Excel格式）进行全方位专业分析，输出 Markdown 格式的财务分析报告。\r\n报告覆盖五大维度，适用于财务尽调、年度复盘、经营体检等场景。\r\n\r\n## 触发条件\r\n\r\n用户上传含有财务数据的 Excel 文件，且请求进行以下任意类型的分析：\r\n- 财务报表整体分析 / 财务健康诊断\r\n- 资产、负债、利润、现金流增减变动分析\r\n- 各项财务比率计算（盈利/偿债/营运/成长能力）\r\n- 专家级财务分析总结与改进建议\r\n\r\n## 工作流程\r\n\r\n### Phase 1：文件接收与预处理\r\n\r\n1. 确认用户已上传 Excel 文件（`.xlsx` / `.xls` / `.xlsm`）。\r\n2. 如用户未上传，提示：\r\n   > \"请上传包含财务数据的 Excel 文件（通常应包含资产负债表、利润表、现金流量表等 Sheet）。\"\r\n3. 确认文件路径后，进入分析阶段。\r\n\r\n### Phase 2：运行分析脚本\r\n\r\n调用 `scripts/analyze_financial_report.py` 执行自动化分析：\r\n\r\n```bash\r\npython \"scripts/analyze_financial_report.py\" \"<excel_file_path>\"\r\n```\r\n\r\n脚本将：\r\n- 自动检测并匹配 Excel 中的资产负债表、利润表、现金流量表 Sheet（支持中英文名称模糊匹配）\r\n- 清洗数据，提取本期/上期两列数值\r\n- 输出 Markdown 格式分析报告到同目录下，文件名：`{原文件名}_财务分析报告.md`\r\n\r\n**环境依赖**：脚本会自动检查并安装 `pandas`、`openpyxl`，无需手动安装。\r\n\r\n### Phase 3：报告内容说明\r\n\r\n生成的报告包含五大部分：\r\n\r\n#### 一、报表项目增减变动分析\r\n- 对资产负债表、利润表、现金流量表的每个科目\r\n- 列出：本期金额 | 上期金额 | 变动金额（🔺/🔻标注）| 变动率\r\n\r\n#### 二、资产项目结构变动分析\r\n- 以**总资产**为基准（100%）\r\n- 计算各资产项目**本期占比**与**上期占比**\r\n- 输出占比变动（单位：百分点 pp）\r\n\r\n#### 三、利润表项目结构变动分析\r\n- 以**营业收入**为基准（100%）\r\n- 计算各利润表科目**本期占比**与**上期占比**\r\n- 输出占比变动\r\n\r\n#### 四、财务比率综合分析\r\n\r\n| 类别 | 主要指标 |\r\n|------|----------|\r\n| 盈利能力 | 毛利率、净利率、ROA、ROE、营业利润率 |\r\n| 偿债能力 | 流动比率、速动比率、资产负债率、利息保障倍数、产权比率 |\r\n| 营运能力 | 总资产周转率、应收账款周转率（天数）、存货周转率（天数）、流动资产周转率 |\r\n| 成长能力 | 收入增长率、净利润增长率、总资产增长率、净资产增长率、营业利润增长率、经营现金流增长率 |\r\n\r\n#### 五、资深财务专家综合分析与建议\r\n- 按盈利能力、偿债能力、成长能力逐项给出数值驱动的评价\r\n- 标注核心优势（✅）与风险提示（⚠️/🔴）\r\n- 提供 5 条改进建议\r\n\r\n### Phase 4：结果展示\r\n\r\n1. 使用 `open_result_view` 展示生成的 Markdown 报告。\r\n2. 使用 `deliver_attachments` 将报告文件交付给用户。\r\n3. 在回复中用简短语言概括分析亮点与主要发现。\r\n\r\n## 注意事项\r\n\r\n- **Sheet 自动匹配**：脚本支持中英文名称模糊匹配（资产负债表/Balance Sheet/资产 等）。\r\n  若某 Sheet 未能自动匹配，报告中会注明\"数据不足\"，可提示用户检查 Sheet 名称。\r\n- **数据格式要求**：Excel 中第一列为科目名，第二列为本期数据，第三列为上期数据（常见格式）。\r\n  若格式不同（如多年横排），脚本会尝试自适应，但效果因文件而异。\r\n- **多年期报表**：若文件包含3年及以上数据，成长能力指标会更有参考意义；\r\n  当前脚本主要取前两列（本期/上期），如需多年趋势分析，可在报告中补充说明。\r\n- **货币单位**：脚本不处理单位换算，报告中数值与原始数据单位一致（元/万元/亿元均可）。\r\n- **保密提示**：处理完成后，如用户有数据安全顾虑，建议告知文件仅在本地处理，不上传到外部服务。\r\n\r\n## 踩坑经验\r\n\r\n- **资产/负债分Sheet格式**：部分企业将资产负债表拆分为\"资产\"和\"负债\"两个Sheet（如本技能测试文件\"深圳市羊城晚报文化发展有限公司\"），脚本已支持自动检测并合并。\r\n- **附注列干扰**：标准报表第2列通常为附注编号（如\"附注五\"），为非数值列，脚本通过\"至少15%行是纯数字\"的列识别逻辑自动跳过。\r\n- **Sheet简称匹配**：有些文件用\"资产\"、\"负债\"、\"利润\"、\"现流\"等简称命名Sheet，SHEET_ALIASES中已覆盖这些别名。\r\n- **clean_df中的join报错**：pandas读取含NaN的行时，row.astype(str)可能报 `expected str instance, float found`，需改为 `row.fillna(\"\").astype(str)` 才能正确join。\r\n- **lambda中float类型报错**：对Series执行apply时，若列中含有float类型值，需在lambda内部调用 `str(v)` 转换后再执行正则匹配。\r\n\r\n## 错误处理\r\n\r\n| 场景 | 处理方式 |\r\n|------|----------|\r\n| 文件未上传 | 提示上传文件 |\r\n| 文件格式不是Excel | 提示仅支持 .xlsx/.xls/.xlsm |\r\n| Sheet 未匹配到 | 在报告中标注，提示检查Sheet名称 |\r\n| 数据列不足（<3列） | 跳过该分析模块，输出提示 |\r\n| 脚本运行报错 | 告知错误信息，建议检查文件格式 |\n\nFile v1.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn739kfjmwzb2nzjrashbwxvhn8589jp\",\n  \"slug\": \"fin-report-analysis\",\n  \"version\": \"1.0.0\",\n  \"publishedAt\": 1776748079227\n}\n\nFile v1.0.0:skill-card.md\n\n## Description:\n\nAnalyzes uploaded Excel financial statements and produces a Markdown report covering statement changes, asset and income structures, financial ratios, and expert recommendations.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[yinfeihaaaaaaaaaaa](https://clawhub.ai/user/yinfeihaaaaaaaaaaa)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nFinance teams, analysts, and agents use this skill to process Excel workbooks containing balance sheet, income statement, and cash-flow data and produce a structured financial analysis report for review.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The analysis script can install unpinned Python packages at runtime.\n\nMitigation: Install only in an isolated environment where runtime package installation is acceptable, or preinstall reviewed pinned dependencies and block automatic package installation.\n\nRisk: Generated Markdown reports may contain sensitive local financial data and unescaped workbook content from untrusted Excel files.\n\nMitigation: Treat generated reports as confidential, review workbook content before sharing or rendering, and avoid processing untrusted spreadsheets outside an isolated environment.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/yinfeihaaaaaaaaaaa/skills/fin-report-analysis)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Shell commands, Guidance]\n\n**Output Format:** [Markdown report with tables and narrative financial analysis]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Reads local Excel workbooks and writes a Markdown report next to the source file.]\n\n## Skill Version(s):\n\n1.0.0 (source: 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.","readmeExcerpt":"Skill: 财务报表分析技能 Owner: yinfeihaaaaaaaaaaa Summary: 财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时， 站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、 资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标）， 以及专家综合分析总结与建议... Tags: latest:1.0.0 Version history: v1.0.0 | 2026-04-21T05:07:59.227Z | user latest Archive index: Archive v1.0.0: 4 files, 14252 bytes Files: scripts/analyze_financial_report.py (35163b), skill-card.md (2003","codeSnippets":[],"executableExamples":[],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\r\nname: financial-report-analysis\r\ndescription: >\r\n  财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时，\r\n  站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、\r\n  资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标），\r\n  以及专家综合分析总结与建议。\r\n  触发词：财务报表分析、分析财报、财务分析、资产负债表分析、利润表分析、现金流分析、\r\n  财务指标、盈利能力、偿债能力、营运能力、成长能力、ROE、ROA、毛利率、净利率、\r\n  流动比率、资产负债率、财务健康诊断、报表解读、财报分析。\r\n---\r\n\r\n# 财务报表分析技能\r\n\r\n## 概述\r\n\r\n本技能面向企业财务报表（Excel格式）进行全方位专业分析，输出 Markdown 格式的财务分析报告。\r\n报告覆盖五大维度，适用于财务尽调、年度复盘、经营体检等场景。\r\n\r\n## 触发条件\r\n\r\n用户上传含有财务数据的 Excel 文件，且请求进行以下任意类型的分析：\r\n- 财务报表整体分析 / 财务健康诊断\r\n- 资产、负债、利润、现金流增减变动分析\r\n- 各项财务比率计算（盈利/偿债/营运/成长能力）\r\n- 专家级财务分析总结与改进建议\r\n\r\n## 工作流程\r\n\r\n### Phase 1：文件接收与预处理\r\n\r\n1. 确认用户已上传 Excel 文件（`.xlsx` / `.xls` / `.xlsm`）。\r\n2. 如用户未上传，提示：\r\n   > \"请上传包含财务数据的 Excel 文件（通常应包含资产负债表、利润表、现金流量表等 Sheet）。\"\r\n3. 确认文件路径后，进入分析阶段。\r\n\r\n### Phase 2：运行分析脚本\r\n\r\n调用 `scripts/analyze_financial_report.py` 执行自动化分析：\r\n\r\n```bash\r\npython \"scripts/analyze_financial_report.py\" \"<excel_file_path>\"\r\n```\r\n\r\n脚本将：\r\n- 自动检测并匹配 Excel 中的资产负债表、利润表、现金流量表 Sheet（支持中英文名称模糊匹配）\r\n- 清洗数据，提取本期/上期两列数值\r\n- 输出 Markdown 格式分析报告到同目录下，文件名：`{原文件名}_财务分析报告.md`\r\n\r\n**环境依赖**：脚本会自动检查并安装 `pandas`、`openpyxl`，无需手动安装。\r\n\r\n### Phase 3：报告内容说明\r\n\r\n生成的报告包含五大部分：\r\n\r\n#### 一、报表项目增减变动分析\r\n- 对资产负债表、利润表、现金流量表的每个科目\r\n- 列出：本期金额 | 上期金额 | 变动金额（🔺/🔻标注）| 变动率\r\n\r\n#### 二、资产项目结构变动分析\r\n- 以**总资产**为基准（100%）\r\n- 计算各资产项目**本期占比**与**上期占比**\r\n- 输出占比变动（单位：百分点 pp）\r\n\r\n#### 三、利润表项目结构变动分析\r\n- 以**营业收入**为基准（100%）\r\n- 计算各利润表科目**本期占比**与**上期占比**\r\n- 输出占比变动\r\n\r\n#### 四、财务比率综合分析\r\n\r\n| 类别 | 主要指标 |\r\n|------|----------|\r\n| 盈利能力 | 毛利率、净利率、ROA、ROE、营业利润率 |\r\n| 偿债能力 | 流动比率、速动比率、资产负债率、利息保障倍数、产权比率 |\r\n| 营运能力 | 总资产周转率、应收账款周转率（天数）、存货周转率（天数）、流动资产周转率 |\r\n| 成长能力 | 收入增长率、净利润增长率、总资产增长率、净资产增长率、营业利润增长率、经营现金流增长率 |\r\n\r\n#### 五、资深财务专家综合分析与建议\r\n- 按盈利能力、偿债能力、成长能力逐项给出数值驱动的评价\r\n- 标注核心优势（✅）与风险提示（⚠️/🔴）\r\n- 提供 5 条改进建议\r\n\r\n### Phase 4：结果展示\r\n\r\n1. 使用 `open_result_view` 展示生成的 Markdown 报告。\r\n2. 使用 `deliver_attachments` 将报告文件交付给用户。\r\n3. 在回复中用简短语言概括分析亮点与主要发现。\r\n\r\n## 注意事项\r\n\r\n- **Sheet 自动匹配**：脚本支持中英文名称模糊匹配（资产负债表/Balance Sheet/资产 等）。\r\n  若某 Sheet 未能自动匹配，报告中会注明\"数据不足\"，可提示用户检查 Sheet 名称。\r\n- **数据格式要求**：Excel 中第一列为科目名，第二列为本期数据，第三列为上期数据（常见格式）。\r\n  若格式不同（如多年横排），脚本会尝试自适应，但效果因文件而异。\r\n- **多年期报表**：若文件包含3年及以上数据，成长能力指标会更有参考意义；\r\n  当前脚本主要取前两列（本期/上期），如需多年趋势分析，可在报告中补充说明。\r\n- **货币单位**：脚本不处理单位换算，报告中数值与原始数据单位一致（元/万元/亿元均可）。\r\n- **保密提示**：处理完成后，如用户有数据安全顾虑，建议告知文件仅在本地处理，不上传到外部服务。\r\n\r\n## 踩坑经验\r\n\r\n- **资产/负债分Sheet格式**：部分企业将资产负债表拆分为\"资产\"和\"负债\"两个Sheet（如本技能测试文件\"深圳市羊城晚报文化发展有限公司\"），脚本已支持自动检测并合并。\r\n- **附注列干扰**：标准报表第2列通常为附注编号（如\"附注五\"），为非数值列，脚本通过\"至少15%行是纯数字\"的列识别逻辑自动跳过。\r\n- **Sheet简称匹配**：有些文件用\"资产\"、\"负债\"、\"利润\"、\"现流\"等简称命名Sheet，SHEET_ALIASES中已覆盖这些别名。\r\n- **clean_df中的join报错**：pandas读取含NaN的行时，row.astype(str)可能报 `expected str instance, float found`，需改为 `row.fillna(\"\").astype(str)` 才能正确join。\r\n- **lambda中float类型报错**：对Series执行apply时，若列中含有float类型值，需在lambda内部调用 `str(v)` 转换后再执行正则匹配。\r\n\r\n## 错误处理\r\n\r\n| 场景 | 处理方式 |\r\n|------|----------|\r\n| 文件未上传 | 提示上传文件 |\r\n| 文件格式不是Excel | 提示仅支持 .xlsx/.xls/.xlsm |\r\n| Sheet 未匹配到 | 在报告中标注，提示检查Sheet名称 |\r\n| 数据列不足（<3列） | 跳过该分析模块，输出提示 |\r\n| 脚本运行报错 | 告知错误信息，建议检查文件格式 |"},{"path":"_meta.json","content":"{\n  \"ownerId\": \"kn739kfjmwzb2nzjrashbwxvhn8589jp\",\n  \"slug\": \"fin-report-analysis\",\n  \"version\": \"1.0.0\",\n  \"publishedAt\": 1776748079227\n}"},{"path":"skill-card.md","content":"## Description:\n\nAnalyzes uploaded Excel financial statements and produces a Markdown report covering statement changes, asset and income structures, financial ratios, and expert recommendations.\n\nThis skill is ready for commercial/non-commercial use.\n\n## Publisher:\n\n[yinfeihaaaaaaaaaaa](https://clawhub.ai/user/yinfeihaaaaaaaaaaa)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nFinance teams, analysts, and agents use this skill to process Excel workbooks containing balance sheet, income statement, and cash-flow data and produce a structured financial analysis report for review.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: The analysis script can install unpinned Python packages at runtime.\n\nMitigation: Install only in an isolated environment where runtime package installation is acceptable, or preinstall reviewed pinned dependencies and block automatic package installation.\n\nRisk: Generated Markdown reports may contain sensitive local financial data and unescaped workbook content from untrusted Excel files.\n\nMitigation: Treat generated reports as confidential, review workbook content before sharing or rendering, and avoid processing untrusted spreadsheets outside an isolated environment.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/yinfeihaaaaaaaaaaa/skills/fin-report-analysis)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Shell commands, Guidance]\n\n**Output Format:** [Markdown report with tables and narrative financial analysis]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Reads local Excel workbooks and writes a Markdown report next to the source file.]\n\n## Skill Version(s):\n\n1.0.0 (source: 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":"财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时， 站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、 资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标）， 以及专家综合分析总结与建议... Skill: 财务报表分析技能 Owner: yinfeihaaaaaaaaaaa Summary: 财务报表分析技能。当用户上传财务报表 Excel 文件（包含资产负债表、利润表、现金流量表等 Sheet）并请求分析时， 站在资深财务专家视角，自动输出完整的财务分析报告，包含：报表项目增减变动表、 资产结构变动表、利润表结构变动表、财务比率综合分析（盈利/偿债/营运/成长能力指标）， 以及专家综合分析总结与建议... 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