---
slug: "bank-credit-due-diligence-x-3"
source_type: "clawhub"
source_url: "https://clawhub.ai/skills/bank-credit-due-diligence"
repo: ""
source_file: "description"
---
---
name: Bank Credit Due Diligence Assistant
slug: bank-credit-due-diligence
version: 4.1.1
allowed-tools: []
capabilities:
  - educational-reference
  - advisory-only
  - requires-human-review
  - no-executable-code
---

# 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 |

---

## 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:

| 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

> **⚠️ 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