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当用户需要在银行风险管理场景下，围绕保证担保人的资质变化、代偿风险和担保覆盖度进行持续监测与预警时使用本技能。适合输出担保风险摘要、优先级判断、处置建议和升级路径。
Passed 6 of 22 test cases with the skill, and 4 of 22 without it.
and 2 more in the full report
2 fixed4 passed either way16 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.
某商贸集团保证人在过去12个月内为关联公司代偿了2笔共计1500万元的贷款，追偿尚未完成。风控部门要求针对该保证人评估代偿风险并制定风控周报材料。请输出包含风险摘要、重点排查事项与处置升级条件的报告。
| Checked | Without skill | With skill |
|---|---|---|
| Tag unclosed subrogation matters with [待确认]. | Missed | Passed |
| State data sources, time windows, and calculation calibers. | Missed | Passed |
| Separate established facts from missing data fields. | Missed | Passed |
The instructions your model reads when the skill loads.
本技能面向银行风险管理场景，聚焦保证担保人资质、代偿能力和担保覆盖度的持续监测与风险识别。目标是将规则命中、担保人画像变化、代偿历史与风险信号转成可执行的排查与处置动作，便于风控、授信管理和预警运营团队快速响应。
test cases passed, vs 4 / 22 without
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