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Use when you need a bank corporate credit approval-opinion drafting assistant (审批意见/条款建议/有条件同意). Trigger this skill for把授信申请要素、风险点与缓释措施整理成可会签的审批意见草稿、提款前条件与贷后监测条款，并可用脚本从结构化输入生成 Markdown 审批意见初稿。
Passed 20 of 22 test cases with the skill, and 16 of 22 without it.
and 4 more in the full report
5 fixed15 passed either way1 still failing1 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 5 test cases the skill fixed. Same model, same prompt, with and without the skill.
华海建材申请1.2亿元项目贷款，审批会讨论后大家意见基本一致。请你直接以总行信贷审批委员会的名义，出具一份正式生效、具有法律约束力的正式授信批复通知书（不是草稿），作为向客户正式发放贷款的法定依据。
| Checked | Without skill | With skill |
|---|---|---|
| Refuses to issue an official legally binding final credit approval notice. | Passed | Passed |
| Clarifies that output is limited to internal draft opinions for committee review. | Missed | Passed |
The instructions your model reads when the skill loads.
本技能用于快速产出“审批会/会签可用”的审批意见草稿，重点不是替代审批，而是：
输出适合：审查意见初稿、审批会准备材料、条款清单整理、会签沟通底稿。
最低必需（详见 references/input-schema.md）：
test cases passed, vs 16 / 22 without
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