Skill: gechengling/bank-credit-due-diligence (version 4.0.0)

--- name: Bank Credit Investigation Assistant slug: bank-credit-due-diligence description: 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. version: "4.0.0" triggers: - 信贷尽调 - 贷前调查 - 企业尽调 - 信用分析 - 借款人分析 - 财务报表分析 - 行业风险 - 信贷审查报告 - 尽调报告 - 信用评估 --- # 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: 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 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.


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