A股财务健康度诊断/爆雷预警/财务风险排查。当用户说"财务健康"、"财务质量"、"会不会爆雷"、"财务诊断"、"financial health"、"F-score"、"Z-score"、"XX的财务怎么样"、"财报有没有问题"、"应收账款"、"商誉减值"、"现金流质量"、"财务健康度"、"爆雷风险"、"财务风险"时触发。MUST USE when user asks about financial health diagnosis, bankruptcy/default risk, F-score/Z-score analysis, or whether a company might have accounting issues. 通过多维度财务指标（盈利/偿债/营运/现金流）综合诊断企业财务健康程度，计算 Piotroski F-Score 和改良 Z-Score，识别潜在爆雷风险。支持研报风格（formal）和快速诊断风格（brief）。
SkillScore72Maintained
Automatic
◆Finance & Accounting pack
Last verified 8/27/2026
What it changes
Passed 14 of 20 test cases with the skill, and 9 of 20 without it.
Without skill44%
With skill72%
Checks it passed that the model alone missed
Sets brief mode as the default output format
Classifies a Modified Z-score below 1.8 into the danger zone
Restricts the brief report key risk display to a maximum of 3 items
and 4 more in the full report
7 fixed11 passed either way7 still failing0 broke
Pass-rate lift
+28 pp
Tokens
+24%
Agent turns
0%
Response time
-50%
Model gemini-3.6-flashMeasured 8/27/2026v118 of 25 cases passed with skill · 20 comparable
Tokens, turns and time describe resource use, not a dollar price.
See it in action
One of 7 test cases the skill fixed. Same model, same prompt, with and without the skill.
1 of 7
Prompt
在 brief 简明模式报告中，如果排查出 5 个风险点，最多可以列出几个关键风险项？
What was checked, without and with the skill
Checked
Without skill
With skill
Restricts the brief report key risk display to a maximum of 3 items
Missed
Passed
case-16 · gemini-3.6-flash · 8/27/2026 · answers are capped and redacted
What's inside
The instructions your model reads when the skill loads.