{"skill":{"slug":"bank-credit-investigation","displayName":"Bank Credit Investigation","summary":"AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured...","description":"---\r\nname: Bank Credit Investigation Assistant\r\nslug: bank-credit-investigation\r\ndescription: AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports. Updated for 2025-2026 with 商业银行资本管理办法 risk weight changes, ESG credit risk assessment, AI-enhanced financial fraud detection, and digital supply chain finance. Keywords: bank credit, due diligence, financial analysis, credit risk, loan assessment, China banking, ESG credit, 信贷尽调, 贷前调查, 企业尽调, 信用分析, 借款人分析, 行业风险, 财务报表分析, 尽职调查, 授信尽调.\r\nversion: 2.0.0\r\ntriggers:\r\n  - 信贷尽调\r\n  - 贷前调查\r\n  - 企业尽调\r\n  - 信用分析\r\n  - 借款人分析\r\n  - 财务报表分析\r\n  - 行业风险\r\n  - 信贷审查报告\r\n  - 尽调报告\r\n  - 信用评估\r\n\ncapabilities:\n  - educational-reference\n  - advisory-only\n  - requires-human-review\n  - no-executable-code\n---\r\n\r\n# Bank Credit Investigation Assistant\n\n> **⚠️ SECURITY NOTICE / 安全声明**\n> - **Type:** Educational reference / analytical framework ONLY\n> - **No executable code, scripts, or binaries are included in this skill**\n> - **No persistent storage, network calls, background execution, or credential collection**\n> - **All outputs are for reference only and require human review before real-world application**\n> - **This skill does NOT provide financial, legal, or insurance advice**\n> - **Users must exercise their own judgment and consult qualified professionals**\n\n\r\n# 银行信贷尽调助手\r\n\r\n## Skill Overview\r\n\r\n### 0. 2024-2026 信贷风控最新监管动态\r\n\r\n| 时间 | 法规/动态 | 对信贷尽调的影响 |\r\n|------|---------|--------------|\r\n| **2024年1月** | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 |\r\n| **2025年** | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 |\r\n| **2025年** | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注\"白名单\"政策资格 |\r\n| **2025年** | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 |\r\n| **2025年** | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 |\r\n| **2026年** | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 |\r\n\r\n| Attribute | Value |\r\n|-----------|-------|\r\n| **Skill Type** | Pure Conversation / Workflow Automation |\r\n| **Target Users** | Bank credit officers, loan analysts, risk managers, relationship managers |\r\n| **Core Capability** | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |\r\n| **Industry** | Commercial banking, corporate lending, credit assessment, green finance |\r\n\r\n---\r\n\r\n## How to Use\r\n\r\nSimply describe your credit investigation task. No scripts needed - just talk to me naturally.\r\n\r\n**Example prompts:**\r\n- \"帮我做一家制造业企业的贷前尽调\"\r\n- \"分析这家公司是否值得授信\"\r\n- \"生成一份完整的尽调报告模板\"\r\n- \"审查这家借款人的财务状况和行业风险\"\r\n\r\n---\r\n\r\n## Phase 1: Borrower Profile Analysis\r\n\r\n### Information to collect (I will guide you):\r\n\r\n**Basic Information:**\r\n- Company name, registration details, business years\r\n- Ownership structure and key shareholders\r\n- Management team background\r\n- Main business scope and revenue model\r\n\r\n**Operating Environment:**\r\n- Industry sector and position in value chain\r\n- Key customers and supplier concentration\r\n- Competitive landscape\r\n- Regulatory environment\r\n\r\n### Analysis Framework:\r\n\r\n| Dimension | Key Questions |\r\n|-----------|--------------|\r\n| Business Model | How does the company make money? Is the model sustainable? |\r\n| Market Position | Market share? Competitive advantages? Barriers to entry? |\r\n| Management Quality | Experience? Track record? Incentive alignment? |\r\n| Operating Efficiency | Revenue trends? Margin trends? Cash conversion cycle? |\r\n\r\n---\r\n\r\n## Phase 2: Financial Statement Analysis\r\n\r\n### I will analyze:\r\n\r\n**1. Profitability**\r\n- Revenue growth trend (3-5 years)\r\n- Gross margin, operating margin, net margin trajectory\r\n- Revenue quality (recurring vs. one-time)\r\n- ROE, ROA decomposition\r\n\r\n**2. Capital Structure**\r\n- Debt-to-asset ratio\r\n- Short-term vs. long-term debt structure\r\n- Interest coverage ratio\r\n- Debt service coverage ratio (DSCR)\r\n\r\n**3. Liquidity**\r\n- Current ratio, quick ratio\r\n- Working capital cycle\r\n- Cash flow from operations (CFO)\r\n- Free cash flow quality\r\n\r\n**4. Asset Quality**\r\n- Accounts receivable aging\r\n- Inventory turnover\r\n- Fixed asset utilization\r\n- Related-party asset quality\r\n\r\n### Financial Ratio Summary Table:\r\n\r\n| Category | Ratio | Signals |\r\n|----------|-------|---------|\r\n| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger |\r\n| Profitability | ROE | >15% competitive, <8% weak |\r\n| Leverage | D/E Ratio | Industry-dependent, >3x warning |\r\n| Leverage | Interest Coverage | >3x comfortable, <1.5x danger |\r\n| Liquidity | Current Ratio | >1.5x healthy, <1x risk |\r\n| Liquidity | DSCR | >1.25x acceptable, <1x danger |\r\n| Efficiency | Cash Conversion | Decreasing = improving |\r\n| Asset Quality | AR Aging | >30% overdue = risk |\r\n\r\n---\r\n\r\n## Phase 3: Industry & Risk Assessment\r\n\r\n### Industry Risk Factors:\r\n\r\n| Risk Type | Assessment |\r\n|-----------|-----------|\r\n| Cyclicality | Highly cyclical / Moderate / Defensive |\r\n| Regulatory Risk | Heavy regulation / Standard / Light |\r\n| Technology Risk | Disruption prone / Stable / Growing |\r\n| Competition Intensity | Fragmented / Concentrated / Oligopoly |\r\n| Supply Chain Risk | Stable supply / Concentration risk |\r\n\r\n### Company-Specific Risk Checklist:\r\n\r\n- [ ] Customer concentration risk (>30% revenue from one customer)\r\n- [ ] Supplier concentration risk (>30% procurement from one supplier)\r\n- [ ] Key person risk (过度依赖创始人/核心管理层)\r\n- [ ] Legal/Litigation risk (未决诉讼、行政处罚)\r\n- [ ] Pledge/Mortgage risk (资产抵押情况)\r\n- [ ] Related-party transaction risk (关联交易规模和性质)\r\n- [ ] Off-balance sheet risk (表外负债、或有负债)\r\n- [ ] FX risk (外汇风险敞口)\r\n- [ ] ESG risk (环保合规、安全生产)\r\n\r\n---\r\n\r\n## Phase 4: Investigation Report Generation\r\n\r\n### Standard Report Structure:\r\n\r\n```\r\n# 信贷尽职调查报告\r\n\r\n## 一、企业基本情况\r\n## 二、股权结构与管理层\r\n## 三、主营业务分析\r\n## 四、财务报表分析\r\n## 五、行业分析与竞争地位\r\n## 六、风险因素识别\r\n## 七、担保及增信措施\r\n## 八、综合评级与授信建议\r\n```\r\n\r\n### Rating Methodology (5-tier):\r\n\r\n| Rating | Description | PD Range | Typical Indicators |\r\n|--------|-------------|----------|-------------------|\r\n| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage |\r\n| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk |\r\n| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring |\r\n| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible |\r\n| C-D | Default | >20% | Near/default, restructuring or loss expected |\r\n\r\n---\r\n\r\n## Phase 5: Credit Facility Recommendation\r\n\r\nBased on the investigation, I will provide:\r\n\r\n1. **Recommended Credit Facility Structure**\r\n   - Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)\r\n   - Amount range\r\n   - Tenor\r\n   - Pricing guidance (based on rating)\r\n   - Security/collateral requirements\r\n\r\n2. **Key Covenants to Include**\r\n   - Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)\r\n   - Information covenants (e.g., quarterly financials)\r\n   - Negative pledge clauses\r\n   - Change of control provisions\r\n\r\n3. **Early Warning Indicators to Monitor**\r\n   - Specific metrics to track quarterly\r\n   - Trigger thresholds\r\n   - Escalation protocol\r\n\r\n4. **Recommendation Summary**\r\n\r\n```\r\n┌─────────────────────────────────────────┐\r\n│  综合评级: [AA-]                         │\r\n│  建议授信额度: [5,000万元]                │\r\n│  建议授信类型: [流动资金贷款+银行承兑汇票] │\r\n│  建议担保方式: [房产抵押+保证担保]         │\r\n│  主要关注事项: [客户集中度/行业周期性]    │\r\n│  复核频率: [季度监控]                     │\r\n└─────────────────────────────────────────┘\r\n```\r\n\r\n---\r\n\r\n## Quick Command Templates\r\n\r\n**Standard Investigation:**\r\n```\r\n分析[企业名称]，做贷前尽调：\r\n- 行业：[行业]\r\n- 收入规模：[X亿元]\r\n- 贷款金额：[X万元]\r\n- 贷款用途：[描述]\r\n- 担保方式：[信用/抵押/保证]\r\n```\r\n\r\n**Financial Health Check Only:**\r\n```\r\n审查[企业名称]近三年财务报表：\r\n[粘贴主要数据]\r\n```\r\n\r\n**Industry Risk Assessment Only:**\r\n```\r\n评估[行业]当前风险，识别行业下行期的预警信号\r\n```\r\n\r\n**Report Review:**\r\n```\r\n审查以下尽调报告草稿，识别遗漏和风险点：\r\n[粘贴报告内容]\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill provides analytical support for credit investigation workflows. Final credit decisions must be made by qualified bank officers in accordance with internal policies and regulatory requirements. AI-generated analysis does not constitute final credit approval or rejection. All reports should be reviewed, approved, and signed by authorized personnel before submission.\r\n","tags":{"latest":"5.0.1","banking":"5.0.0","dianjin":"5.0.0","finance":"5.0.0","insurance":"5.0.0"},"stats":{"comments":0,"downloads":552,"installsAllTime":1,"installsCurrent":1,"stars":1,"versions":5},"createdAt":1778140718043,"updatedAt":1780353284950},"latestVersion":{"version":"5.0.1","createdAt":1780353284950,"changelog":"Security compliance: fixed garbled text, added capability declarations and advisory-only disclaimers; enriched content with detailed steps, rules, and report templates","license":"MIT-0"},"metadata":null,"owner":{"handle":"gechengling","userId":"s17ewqc4f2s6gpcbm88hy7fgvn85kg1g","displayName":"lingfeng-19","image":"https://avatars.githubusercontent.com/u/8140166?v=4"},"moderation":null}