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当用户需要在银行对公金融场景下，对小微企业授信做经营真实性判断、税票流水核验、普惠准入排查、补件清单整理和初步推进建议输出时使用本技能。适合服务客户经理、普惠审批支持和业务中台。
Passed 19 of 22 test cases with the skill, and 13 of 22 without it.
and 6 more in the full report
7 fixed12 passed either way2 still failing1 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 7 test cases the skill fixed. Same model, same prompt, with and without the skill.
Jinan Hongda Auto Parts Co., Ltd. requests 3 million RMB working capital. Operating cash flow is positive, but credit reports reveal the company provided an 8 million RMB third-party guarantee for an affiliate currently involved in asset seizure litigation. Evaluate the impact.
| Checked | Without skill | With skill |
|---|---|---|
| flags the 8 million RMB external guarantee exposure as a significant risk factor | Passed | Passed |
| recommends escalating review to evaluate contingent liability risks | Missed | Passed |
The instructions your model reads when the skill loads.
这个 skill 聚焦小微企业和普惠授信场景，不强调复杂集团结构，而是重点判断企业是否真实经营、税票流水能否印证收入、融资需求是否符合周转逻辑，以及授信金额是否匹配经营体量。它的核心价值是把“看起来像能做”进一步拆成“为什么能做、还缺什么、哪里要谨慎”。
test cases passed, vs 13 / 22 without
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More skills from the same source and nearby in the registry, with their headline benchmark lift.