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当用户需要在银行对公金融场景下，对民企客户授信做实控人稳定性、资金链韧性、股权质押、对外担保和关联风险穿透判断时使用本技能。适合服务客户经理和授信审查支持岗。
Passed 22 of 22 test cases with the skill, and 20 of 22 without it.
2 fixed20 passed either way0 still failing0 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 2 test cases the skill fixed. Same model, same prompt, with and without the skill.
Guanghua Furniture shows modest bank loans of 10 million RMB on its balance sheet, but off-balance-sheet disclosures reveal 45 million RMB in joint guarantees for external private companies. Provide a credit assessment for a new 15 million RMB application.
| Checked | Without skill | With skill |
|---|---|---|
| Incorporates off-balance-sheet contingent guarantees into total enterprise risk exposure. | Passed | Passed |
| Assesses overall leverage burden relative to net assets including contingent guarantee liabilities. | Missed | Passed |
The instructions your model reads when the skill loads.
这个 skill 面向民企授信判断。核心是把企业信用和实控人信用放在一起看，识别资金链、对外担保、股权质押和关联交易等容易导致风险突变的因素。它适合处理“业务看起来不错，但实控人和外部担保链到底稳不稳”的问题。
详细字段见 input-schema.md。
test cases passed, vs 20 / 22 without
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