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当用户需要在银行风险管理场景下，对逾期苗头进行持续监测、规则命中解释、风险分层和处置建议输出时使用本技能，适合生成风险摘要、优先级判断与升级路径。
Passed 22 of 23 test cases with the skill, and 19 of 23 without it.
and 4 more in the full report
4 fixed18 passed either way0 still failing1 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 4 test cases the skill fixed. Same model, same prompt, with and without the skill.
What standard output fields are generated when running `scripts/delinquency_signal_builder.py` on post-loan transaction data?
| Checked | Without skill | With skill |
|---|---|---|
| Includes risk_level in the script output fields. | Missed | Passed |
| Includes next_action in the script output fields. | Missed | Passed |
| Includes missing_fields in the script output fields. | Missed | Passed |
The instructions your model reads when the skill loads.
本技能用于银行风险管理的逾期苗头识别与风险分层，目标是把规则命中、趋势变化、客户/账户行为特征转化为可执行的排查与处置建议，输出清晰的优先级和升级路径，而不是只罗列指标或告警。
test cases passed, vs 19 / 23 without
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