credit-collateral-risk-mgmt

What problem does it solve?

This Skill helps prevent underwriting losses by systematically assessing collateral legality, valuation reasonableness, registration validity, lifecycle risks, and disposal compliance, producing a structured risk report with hard-stop veto checks.

Core Features & Use Cases

• 5-Stage Collateral Risk Workflow: performs step-gated checks across admission, valuation, registration, monitoring, and (when applicable) disposal compliance.
• One-veto Redline Controls (C1–C6): immediately stops the workflow and outputs “不合格担保” when any critical condition is met (e.g., judicial seizure, prohibited collateral, missing key documents, invalid insurance).
• Structured Outputs for Downstream Use: generates a report with tabular results and an audit-trail JSON log that supports credit-due-diligence and credit-approval workflows.

Quick Start

Use the credit-collateral-risk-mgmt Skill to generate a structured collateral risk report for “贷前评估” using the provided collateral list with each item’s type, owner, appraised value, and appraisal date.