BD credit-file-analyzer
解析征信报告、银行流水等信贷文件，返回结构化数据和分析报告地址。当用户需要分析征信报告（详版/简版）、企业征信、银行流水，或者提到信贷文件解析、征信查询、流水分析时使用此技能。用户需提供文件的公网 URL 和分析类型。
As a process D 41/100 · 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.
For the model run — optional
- 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: 3. 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 41/100
- 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 (credit-file-analyzer) differs from the folder (credit-file-analyzer-zhengxin-liushui-ocr)
- 60Tools and files. Uses tools (python) that frontmatter does not declare
- 100Steps. 35 steps
- 100Execution cost. Instruction body is 710 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)
- +3Description length 109: 120–800 characters recommended
- +3Output format is not stated: the model decides each time
- +1No license
- +2Single-language instructions
- +4Structure: 11 headings
- +3Step-by-step instructions: 35 items
- +4Has examples (3 code blocks)
- +3All 1 scripts are documented
Quality base 70; lint remarks subtract, signals add up to 100. Result: 72.
External checks
ClawHub: suspicious
The skill matches its stated credit-file analysis purpose, but it handles highly sensitive credit and banking documents through public links, an external service, optional document passwords, and an embedded enterprise API key with unclear privacy boundaries.
LLM: suspicious (high) · VirusTotal: · 29 May 2026