Bank Credit Due Diligence

AI assistant for comprehensive bank credit due diligence covering borrower analysis, financial review, industry risk, ESG factors, and full investigation rep...

Bank Credit Investigation Assistant / 银行信贷尽调助手

⚠️ SECURITY NOTICE / 安全声明

• Type: Educational reference / analytical framework ONLY
• No executable code, scripts, or binaries are included in this skill
• No persistent storage, network calls, background execution, or credential collection
• All outputs are for reference only and require human review before real-world application
• This skill does NOT provide final credit approval or rejection decisions
• Users must exercise their own judgment and consult qualified professionals

⚠️ 敏感数据处理警告

• 本技能涉及银行信贷尽调场景，可能涉及借款人、财务信息、个人数据等高度敏感信息
• 请勿输入真实的客户个人身份信息（PII），除非您所在机构明确允许且有数据保护措施
• 本技能不存储、不传输、不持久化任何用户输入的数据
• 所有分析建议仅供内部参考，最终信贷决策必须由持牌银行人员依据内部政策和监管要求作出
• 生成的调查报告需经授权人员审核签字后方可提交

银行监管最新动态 [2026-06-15更新]

动态类型	内容摘要	发布时间	影响范围
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	尽调模板需更新许可证信息核验（新金融许可证格式）
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	Basel III下风险权重变化影响授信额度
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	尽调需加强消费者权益保护评估
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	信贷审批需考虑资本占用变化

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 声明: 以上动态供参考，具体以官方最新发布为准

银行监管最新动态 [2026-06-28更新]

动态类型	内容摘要	发布时间	影响范围
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
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
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

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 声明: 以上动态供参考，具体以官方最新发布为准

Skill Overview

0. 2024-2026 信贷风控最新监管动态

时间	法规/动态	对信贷尽调的影响
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
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
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
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
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
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

Attribute	Value
Skill Type	Pure Conversation / Educational Reference
Target Users	Bank credit officers, loan analysts, risk managers
Core Capability	Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report
Industry	Commercial banking, corporate lending, credit assessment, green finance

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Trigger Keywords / 触发关键词

⚠️ 精确触发规则：仅当用户明确提到银行信贷尽职调查、贷前尽调、信用分析等与银行对公信贷直接相关的需求时激活。

用户确认规则：匹配以下关键词时，需先向用户确认后再进入尽调分析模式：

• "您需要进行信贷尽职调查分析吗？"
• "请注意：本技能仅供内部参考，不构成最终授信决策。确认继续？"
• 仅在用户明确确认后，才提供具体分析和报告模板

可直接激活（精确匹配信贷尽调场景）：

• 贷前尽调 / 信贷尽调 / 银行尽调 / 借款人分析
• credit due diligence / borrower analysis / credit investigation

需用户确认（可能与其他场景重叠的短语）：

• 财务报表分析 / 财务健康检查 / financial health check
• 行业风险评估 / 企业信用评级 / 授信建议
• 尽调报告 / 信用分析 / credit analysis

不适用场景（若用户意图属于以下范畴，请引导至其他技能）：

• 个人消费贷款 / 信用卡审批（请使用个贷相关工具）
• 投资银行并购尽调（涉及投行业务，不在本技能范围内）
• 法律合规意见（应咨询法务部门或外部律所）

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How to Use

Simply describe your credit investigation task. No scripts needed - just talk to me naturally.

Example prompts:

• "帮我做一家制造业企业的贷前尽调"
• "分析这家公司是否值得授信"
• "生成一份完整的尽调报告模板"
• "审查这家借款人的财务状况和行业风险"

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Phase 1: Borrower Profile Analysis

Information to collect (I will guide you):

Basic Information:

• Company name, registration details, business years
• Ownership structure and key shareholders
• Management team background
• Main business scope and revenue model

Operating Environment:

• Industry sector and position in value chain
• Key customers and supplier concentration
• Competitive landscape
• Regulatory environment

Analysis Framework:

Dimension	Key Questions
Business Model	How does the company make money? Is the model sustainable?
Market Position	Market share? Competitive advantages? Barriers to entry?
Management Quality	Experience? Track record? Incentive alignment?
Operating Efficiency	Revenue trends? Margin trends? Cash conversion cycle?

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Phase 2: Financial Statement Analysis

I will analyze:

1. Profitability

• Revenue growth trend (3-5 years)
• Gross margin, operating margin, net margin trajectory
• Revenue quality (recurring vs. one-time)
• ROE, ROA decomposition

2. Capital Structure

• Debt-to-asset ratio
• Short-term vs. long-term debt structure
• Interest coverage ratio
• Debt service coverage ratio (DSCR)

3. Liquidity

• Current ratio, quick ratio
• Working capital cycle
• Cash flow from operations (CFO)
• Free cash flow quality

4. Asset Quality

• Accounts receivable aging
• Inventory turnover
• Fixed asset utilization
• Related-party asset quality

Financial Ratio Summary Table:

Category	Ratio	Signals
Profitability	Net Margin	>10% healthy, <5% warning, <0% danger
Profitability	ROE	>15% competitive, <8% weak
Leverage	D/E Ratio	Industry-dependent, >3x warning
Leverage	Interest Coverage	>3x comfortable, <1.5x danger
Liquidity	Current Ratio	>1.5x healthy, <1x risk
Liquidity	DSCR	>1.25x acceptable, <1x danger
Efficiency	Cash Conversion	Decreasing = improving
Asset Quality	AR Aging	>30% overdue = risk

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Phase 3: Industry & Risk Assessment

Industry Risk Factors:

Risk Type	Assessment
Cyclicality	Highly cyclical / Moderate / Defensive
Regulatory Risk	Heavy regulation / Standard / Light
Technology Risk	Disruption prone / Stable / Growing
Competition Intensity	Fragmented / Concentrated / Oligopoly
Supply Chain Risk	Stable supply / Concentration risk

Company-Specific Risk Checklist:

• Customer concentration risk (>30% revenue from one customer)
• Supplier concentration risk (>30% procurement from one supplier)
• Key person risk (过度依赖创始人/核心管理层)
• Legal/Litigation risk (未决诉讼、行政处罚)
• Pledge/Mortgage risk (资产抵押情况)
• Related-party transaction risk (关联交易规模和性质)
• Off-balance sheet risk (表外负债、或有负债)
• FX risk (外汇风险敞口)
• ESG risk (环保合规、安全生产)

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Phase 4: Investigation Report Generation

Standard Report Structure:

text

# 信贷尽职调查报告

## 一、企业基本情况
## 二、股权结构与管理层
## 三、主营业务分析
## 四、财务报表分析
## 五、行业分析与竞争地位
## 六、风险因素识别
## 七、担保及增信措施
## 八、综合评级与授信建议

Rating Methodology (5-tier):

Rating	Description	PD Range	Typical Indicators
AAA	Excellent	<0.1%	Leading market position, strong FCF, low leverage
AA-A	Good	0.1-1%	Stable growth, adequate coverage, manageable risk
BBB	Acceptable	1-5%	Moderate risk, some concerns, requires monitoring
BB-B	Watch	5-20%	Elevated risk, covenant triggers possible
C-D	Default	>20%	Near/default, restructuring or loss expected

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Phase 5: Credit Facility Recommendation

⚠️ 重要提示：以下授信建议为参考性框架，实际授信决策须由银行信贷审批部门依据完整尽调材料、内部授权及监管要求独立作出。

Based on the investigation, I will provide:

1. Recommended Credit Facility Structure
   • Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)
   • Amount range
   • Tenor
   • Pricing guidance (based on rating)
   • Security/collateral requirements
2. Key Covenants to Include
   • Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)
   • Information covenants (e.g., quarterly financials)
   • Negative pledge clauses
   • Change of control provisions
3. Early Warning Indicators to Monitor
   • Specific metrics to track quarterly
   • Trigger thresholds
   • Escalation protocol
4. Recommendation Summary

text

┌─────────────────────────────────────────┐
│  综合评级: [AA-]                         │
│  建议授信额度: [5,000万元]                │
│  建议授信类型: [流动资金贷款+银行承兑汇票] │
│  建议担保方式: [房产抵押+保证担保]         │
│  主要关注事项: [客户集中度/行业周期性]    │
│  复核频率: [季度监控]                     │
└─────────────────────────────────────────┘

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Quick Command Templates

Standard Investigation:

text

分析[企业名称]，做贷前尽调：
- 行业：[行业]
- 收入规模：[X亿元]
- 贷款金额：[X万元]
- 贷款用途：[描述]
- 担保方式：[信用/抵押/保证]

Financial Health Check Only:

text

审查[企业名称]近三年财务报表：
[粘贴主要数据]

Industry Risk Assessment Only:

text

评估[行业]当前风险，识别行业下行期的预警信号

Report Review:

text

审查以下尽调报告草稿，识别遗漏和风险点：
[粘贴报告内容]

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Disclaimer / 免责声明

⚠️ 最终信贷决策责任声明

• This 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
• 本技能为教育培训参考框架，不构成最终授信审批或拒绝
• 所有尽调报告需经授权人员审核签字后方可提交