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Bank Credit Investigation Assistant\r

银行信贷尽调助手\r

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Skill Overview\r

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0. 2024-2026 信贷风控最新监管动态\r

\r | 时间 | 法规/动态 | 对信贷尽调的影响 |\r |------|---------|--------------|\r | 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 | 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 | 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 | 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 | 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 | 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 \r | Attribute | Value |\r |-----------|-------|\r | Skill Type | Pure Conversation / Workflow Automation |\r | Target Users | Bank credit officers, loan analysts, risk managers, relationship managers |\r | Core Capability | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |\r | Industry | Commercial banking, corporate lending, credit assessment, green finance |\r \r ---\r \r

How to Use\r

\r Simply describe your credit investigation task. No scripts needed - just talk to me naturally.\r \r Example prompts:\r

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

Phase 1: Borrower Profile Analysis\r

\r

Information to collect (I will guide you):\r

\r Basic Information:\r

• Company name, registration details, business years\r
• Ownership structure and key shareholders\r
• Management team background\r
• Main business scope and revenue model\r \r Operating Environment:\r
• Industry sector and position in value chain\r
• Key customers and supplier concentration\r
• Competitive landscape\r
• Regulatory environment\r \r

Analysis Framework:\r

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

Phase 2: Financial Statement Analysis\r

\r

I will analyze:\r

\r 1. Profitability\r

• Revenue growth trend (3-5 years)\r
• Gross margin, operating margin, net margin trajectory\r
• Revenue quality (recurring vs. one-time)\r
• ROE, ROA decomposition\r \r 2. Capital Structure\r
• Debt-to-asset ratio\r
• Short-term vs. long-term debt structure\r
• Interest coverage ratio\r
• Debt service coverage ratio (DSCR)\r \r 3. Liquidity\r
• Current ratio, quick ratio\r
• Working capital cycle\r
• Cash flow from operations (CFO)\r
• Free cash flow quality\r \r 4. Asset Quality\r
• Accounts receivable aging\r
• Inventory turnover\r
• Fixed asset utilization\r
• Related-party asset quality\r \r

Financial Ratio Summary Table:\r

\r | Category | Ratio | Signals |\r |----------|-------|---------|\r | Profitability | Net Margin | >10% healthy, \x3C5% warning, \x3C0% danger |\r | Profitability | ROE | >15% competitive, \x3C8% weak |\r | Leverage | D/E Ratio | Industry-dependent, >3x warning |\r | Leverage | Interest Coverage | >3x comfortable, \x3C1.5x danger |\r | Liquidity | Current Ratio | >1.5x healthy, \x3C1x risk |\r | Liquidity | DSCR | >1.25x acceptable, \x3C1x danger |\r | Efficiency | Cash Conversion | Decreasing = improving |\r | Asset Quality | AR Aging | >30% overdue = risk |\r \r ---\r \r

Phase 3: Industry & Risk Assessment\r

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Industry Risk Factors:\r

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

Company-Specific Risk Checklist:\r

\r

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

Phase 4: Investigation Report Generation\r

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Standard Report Structure:\r

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# 信贷尽职调查报告\r
\r
## 一、企业基本情况\r
## 二、股权结构与管理层\r
## 三、主营业务分析\r
## 四、财务报表分析\r
## 五、行业分析与竞争地位\r
## 六、风险因素识别\r
## 七、担保及增信措施\r
## 八、综合评级与授信建议\r
```\r
\r
### Rating Methodology (5-tier):\r
\r
| Rating | Description | PD Range | Typical Indicators |\r
|--------|-------------|----------|-------------------|\r
| AAA | Excellent | \x3C0.1% | Leading market position, strong FCF, low leverage |\r
| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk |\r
| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring |\r
| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible |\r
| C-D | Default | >20% | Near/default, restructuring or loss expected |\r
\r
---\r
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## Phase 5: Credit Facility Recommendation\r
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Based on the investigation, I will provide:\r
\r
1. **Recommended Credit Facility Structure**\r
   - Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)\r
   - Amount range\r
   - Tenor\r
   - Pricing guidance (based on rating)\r
   - Security/collateral requirements\r
\r
2. **Key Covenants to Include**\r
   - Financial covenants (e.g., D/E \x3C 3x, DSCR > 1.2x)\r
   - Information covenants (e.g., quarterly financials)\r
   - Negative pledge clauses\r
   - Change of control provisions\r
\r
3. **Early Warning Indicators to Monitor**\r
   - Specific metrics to track quarterly\r
   - Trigger thresholds\r
   - Escalation protocol\r
\r
4. **Recommendation Summary**\r
\r
```\r
┌─────────────────────────────────────────┐\r
│  综合评级: [AA-]                         │\r
│  建议授信额度: [5,000万元]                │\r
│  建议授信类型: [流动资金贷款+银行承兑汇票] │\r
│  建议担保方式: [房产抵押+保证担保]         │\r
│  主要关注事项: [客户集中度/行业周期性]    │\r
│  复核频率: [季度监控]                     │\r
└─────────────────────────────────────────┘\r
```\r
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---\r
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## Quick Command Templates\r
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**Standard Investigation:**\r
```\r
分析[企业名称]，做贷前尽调：\r
- 行业：[行业]\r
- 收入规模：[X亿元]\r
- 贷款金额：[X万元]\r
- 贷款用途：[描述]\r
- 担保方式：[信用/抵押/保证]\r
```\r
\r
**Financial Health Check Only:**\r
```\r
审查[企业名称]近三年财务报表：\r
[粘贴主要数据]\r
```\r
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**Industry Risk Assessment Only:**\r
```\r
评估[行业]当前风险，识别行业下行期的预警信号\r
```\r
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**Report Review:**\r
```\r
审查以下尽调报告草稿，识别遗漏和风险点：\r
[粘贴报告内容]\r
```\r
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---\r
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## Disclaimer\r
\r
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.\r