Real Skill packageSource verifiedClawHub registry

银行授信准入审查专家

面向银行风险条线（授信审批、风险管理岗）的授信准入审查专家能力，含「一般负面情况」红线快筛。输入企业客户信息（企业名称、行业、拟授信品种与金额、可获取资料如财报/征信/工商/舆情等），输出结构化准入初审报告。支持两种模式：①红线快筛——脚本确定性判定连续三年亏损（归母/合计双口径）、连续三年资产负债率超85%、当期年报净资产为负三条一票否决红线；②完整审查——覆盖经营、财务、管理层与股权、外部风险四维分析，标注信息来源可靠性与缺口，给出准入/有条件准入/不予准入结论及补充尽调清单，并内建方法论复盘与可累积规则库。触发词：授信准入、准入审查、信贷初审、信用风险审查、授信方案、审批辅助、信贷审查报告、负面情况、负面清单、准入红线、连续三年亏损、资产负债率超85%、净资产为负、一票否决、客户快筛、准入排查、bank credit admission、credit underwriting review。

Identity and source

Publisher attributionchriskinhaharegistry owner unverified by skillvetai
Functional categoryWriting, Content & Translationautomatically inferred · 57% rule confidence
Package forminstruction with code23 recorded files
Canonical sourceClawHub registryclawhub:chriskinhaha:bank-credit-admission-review
Open canonical source ↗

Platform declarations

These states come from the source or distribution context. None of the entries below are SkillVetAI compatibility test results.

OpenClawnative officialProvenance: registry distribution

Independent structural checks

These checks parse the fixed package against dated platform rules. They do not execute the Skill or verify task behavior.

Claude Codepasses structure
Checker 0.1.0 · agent-skills-2026-08-13+claude-code-docs-2026-08-13 · 8/30/2026.claude/skills/bank-credit-admission-review

Runtime, accounts, dependencies, permissions, network behavior and task quality remain untested.

OpenAI Codexpasses structure
Checker 0.1.0 · agent-skills-2026-08-13+codex-docs-2026-08-13 · 8/30/2026.agents/skills/bank-credit-admission-review

Runtime, accounts, dependencies, permissions, network behavior and task quality remain untested.

OpenClawpasses structure
Checker 0.1.0 · agent-skills-2026-08-13+openclaw-docs-2026-08-13 · 8/30/2026skills/bank-credit-admission-review

Runtime, accounts, dependencies, permissions, network behavior and task quality remain untested.

Installation and inspection

This command is recorded from the source ecosystem and resolves the registry's latest release. The fixed release shown on this page should be inspected before adoption.

clawhub install @chriskinhaha/bank-credit-admission-review
clawhub inspect @chriskinhaha/bank-credit-admission-review --version 1.0.0

Security evidence

SkillVetAI static result: no findings detected

This automated, non-executing scan is bound to this release hash. It is not a safety certification and may contain false positives or false negatives.

Status
completed
Coverage
full text content
Files
21 / 23 inspected as text
Checked
8/30/2026, 5:23:23 AM
Scanner
0.1.3
Policy
1.0.3
3 inferred permission indicators
  • network access — automatically inferred
  • filesystem read — automatically inferred
  • filesystem write — automatically inferred
2 dependency and API indicators
  • api: clawhub.ai
  • api: www.codebuddy.cn
External clawhub result: suspicious

This is registry-supplied evidence for the recorded release, not an independent SkillVetAI scan. Check the canonical source for the full report, scanner versions, scope, and current moderation state.

Evidence checked
8/30/2026, 2:13:50 AM
Release binding
Matches this record
  • vt: clean
  • skillspector: suspicious
  • llm: suspicious

Recorded files

The catalog stores hashes and an inventory summary for change detection. It does not republish the package contents.

Package content hashsha256:3d0e9eae9768a937ee8f9826352df032b9cfea989cc50f7865ecd720309cb51c
Show up to 23 recorded paths
  • data/industry_benchmark.db
  • references/admission_checklist.md
  • references/admission_standards_control.md
  • references/analysis_framework.md
  • references/case_log.md
  • references/data_mapping.md
  • references/data_retrieval_augmentation.md
  • references/industry_benchmark.md
  • references/loan_demand_analysis.md
  • references/methodology_review.md
  • references/negative_criteria.md
  • references/report_template.md
  • references/risk_rating.md
  • references/rules_library.md
  • references/screening_report_template.md
  • references/source_reliability.md
  • references/st_risk_guide.md
  • scripts/__pycache__/benchmark_db.cpython-313.pyc
  • scripts/benchmark_db.py
  • scripts/loan_demand.py
  • scripts/negative_screen.py
  • skill-card.md
  • SKILL.md

Source changelog

首版：授信准入审查+红线快筛+流贷/刚性负债测算+行业基准库