What problem does it solve?
This Skill solves the operational and compliance problem of monitoring large-credit exposure concentration across single customers, groups, and related parties, then producing actionable early-warning and de-risking (压降) plans without violating regulatory limits.
Core Features & Use Cases
- All-scope exposure measurement: Computes gross and net risk exposures across on-balance-sheet, off-balance-sheet, and interbank/investment items, including penetration (穿透) to ultimate obligors.
- Limit monitoring and tiered alerts: Compares calculated exposures against regulatory red lines and internal control thresholds, producing warning levels (关注/黄色/橙色/红色/突破红线) and response requirements.
- Pre-approval concentration checks (新增预检): Simulates the impact of a new credit proposal on concentration ratios and enforces blocking rules for red-line breaches.
- Group and related-party identification: Applies group identification standards and unified credit management logic to prevent missing members and double counting.
- Mitigation plan generation: When alerts trigger (especially 橙色/红色), formulates prioritized mitigation measures with responsibilities, timelines, and impact assessment, while keeping output within monitoring/advisory scope.
Quick Start
Use this Skill to generate a daily concentration monitoring report for a specified customer or group, including penetration status, limit comparisons, warning level, and any required mitigation plan.
