AD private-lending-interest-calculator
当用户需要计算中国民间借贷案件中的借期内利息、逾期利息、违约金合并审查、砍头息、复利、还款冲抵、LPR四倍上限或生成正式利息计算书时使用。适用于 1991 年旧民间借贷意见、2015 年《民间借贷规定》的 24%/36% 规则，以及 2020 年后合同成立时 1 年期 LPR 四倍规则。典型触发词包括：民间借贷利息计算、借条利息、借款利率、LPR四倍、逾期利息、砍头息、复利计算、还款冲抵、借贷利率上限、借款利息怎么算、职业放贷、private lending interest、loan interest calculation。
As a process D 46/100 · Unfinished process — weak spots: result and completion, when it triggers, inputs and preconditions
How to improve
- Say in the description WHEN to use the skill ("use when…", example requests): that is the agent's main cue.
- Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
- A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.
Guard findings · 0
✓ No critical or high findings
Files scanned: 6. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
- warning
description-no-whendescription does not say WHEN to use the skill (no "use when")
Process rating: all ten parameters 46/100
- 0Result and completion. Does not say what the result is
- 0Inputs and preconditions. Does not say what the process needs to start
- 0Failures and branches. Linear process with no failure handling
- 0Progress reporting. Says nothing while it works
- 20When it triggers. No condition that starts the skill
- 60Tools and files. Uses tools (python) that frontmatter does not declare
- 100Steps. 36 steps
- 100Consistency. Name and required fields are in place
- 100Execution cost. Instruction body is 917 tokens
- 100Running it twice. No mutating operations
Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.
Quality signals
- +5Description has no quoted example phrases that should trigger the skill
- +4Description does not say when NOT to use the skill (false activations)
- +3Output format is not stated: the model decides each time
- +1No license
- +2Single-language instructions
- +3Description length 267: enough signal without eating the budget
- +4Structure: 16 headings
- +3Step-by-step instructions: 36 items
- +4Has examples (5 code blocks)
- +4Reference files are cited in the instructions (3 of 3)
- +3All 1 scripts are documented
Quality base 70; lint remarks subtract, signals add up to 100. Result: 79.