Bank Credit Investigation

AI-powered bank credit due diligence assistant - analyze borrowers, financials, industry risk, and generate complete investigation reports through structured...

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Bank Credit Investigation Assistant

银行信贷尽调助手

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 / Workflow Automation
Target Users	Bank credit officers, loan analysts, risk managers, relationship 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

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"

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?

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

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)

Phase 4: Investigation Report Generation

Standard Report Structure:

# 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

Phase 5: Credit Facility Recommendation

Based on the investigation, I will provide:

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
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
Early Warning Indicators to Monitor
- Specific metrics to track quarterly
- Trigger thresholds
- Escalation protocol
Recommendation Summary

┌─────────────────────────────────────────┐
│  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]                     │
└─────────────────────────────────────────┘

Quick Command Templates

Standard Investigation:

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:

审查[企业名称]近三年财务报表：
[粘贴主要数据]

Industry Risk Assessment Only:

评估[行业]当前风险，识别行业下行期的预警信号

Report Review:

审查以下尽调报告草稿，识别遗漏和风险点：
[粘贴报告内容]

Disclaimer

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.