Bank Credit Investigation Assistant

银行信贷尽调助手

Skill Overview

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:

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:

Phase 3: Industry & Risk Assessment

Industry Risk Factors:

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):

Phase 5: Credit Facility Recommendation

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

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.