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当用户需要在银行风险管理场景下，对贷中审批校验进行初筛、尽调支撑或准入前梳理时使用本技能。适合输出面向风控与预警团队的结构化判断、待补资料清单、关键风险提示和下一步推进建议，并可配合规则校验脚本完成一致性输出。
Passed 18 of 23 test cases with the skill, and 4 of 23 without it.
and 28 more in the full report
14 fixed4 passed either way5 still failing0 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 14 test cases the skill fixed. Same model, same prompt, with and without the skill.
某科技型高新技术企业在申请流动资金贷款准入前初筛，规则库提示其研发投入占比低于行业平均水平，且有一项核心专利面临诉讼争议。请生成初筛校验意见。
| Checked | Without skill | With skill |
|---|---|---|
| The overall risk level must be rated as high, medium, or low (高/中/低). | Missed | Passed |
| The rule priority must be designated using P0, P1, or P2 notation. | Missed | Passed |
| The report must list patent litigation status as a pending item requiring supplementary proof. | Passed | Passed |
The instructions your model reads when the skill loads.
本技能面向银行风险管理与预警运营场景，目标是把规则命中、趋势变化和处置建议整合成可跟进的风险视图，而不是只给指标或告警日志。输出结果需要支持风控团队快速判断“是否能推进”“要补什么”“要升级到哪一步”。
test cases passed, vs 4 / 23 without
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