BD Bank Credit Investigation Assistant
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.
As a process D 49/100 · 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: 4. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
- warning
frontmatter-yamlSKILL.md: the frontmatter is not valid YAML (YAML parse error: Nested mappings are not allowed in compact mappings at line 3, column 14: description: AI-powered bank credit due diligence assistant - analyze borrowers… ^ ); fields were read line by line. The usual cause is a colon inside an unquoted value - warning
name-formatname should be kebab-case (lowercase letters, digits, hyphens) - warning
description-no-whendescription does not say WHEN to use the skill (no "use when") - note
frontmatter-keyunknown frontmatter key "slug" - note
frontmatter-keyunknown frontmatter key "triggers" - note
frontmatter-keyunknown frontmatter key "capabilities"
Process rating: all ten parameters 49/100
- 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
- 40Consistency. Frontmatter name (Bank Credit Investigation Assistant) differs from the folder (bank-credit-investigation)
- 100Tools and files. No external tools needed
- 100Steps. 53 steps
- 100Execution cost. Instruction body is 1813 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 471: enough signal without eating the budget
- +4Structure: 20 headings
- +3Step-by-step instructions: 53 items
- +4Has examples (6 code blocks)
Quality base 70; lint remarks subtract, signals add up to 100. Result: 54.