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]

> 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

Skill Overview

0. 2024-2026 信贷风控最新监管动态

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）

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:

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:

Phase 3: Industry & Risk Assessment

Industry Risk Factors:

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):

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

┌─────────────────────────────────────────┐
│  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 / 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