equity-penetration-analysis

What problem does it solve?

This Skill turns messy, multi-layer shareholding information into a finance-grade equity penetration report that identifies ultimate control, maps legal and hidden related parties, and flags compliance red-line risks before lending decisions.

Core Features & Use Cases

• Recursive equity penetration & indirect share calculation: Penetrates the ownership structure layer by layer until reaching natural persons or ultimate controllers (e.g., SOE-related entities), including both control-chain multiplication and multi-path summation.
• Actual controller & acting-in-concert recognition: Determines the controlling party using multiple dimensions (direct/indirect holding, voting power, board control, agreements like VIE or acting-in-concert).
• Related-party identification (3 circles) + quantified fairness checks: Builds a full related-party graph (legal, personnel, and hidden) and evaluates related-party transactions with quantifiable pricing deviation to detect benefit-transfer and funds-usage risks.
• Risk red-line enforcement for credit underwriting: Enforces R1–R6 (e.g., bad-debt/avoidance, financing platform without real business, equity proxy over-limit, related-party fund occupation, asset transfer, undisclosed guarantees) and surfaces them prominently in the report.
• Structured, downstream-compatible report output: Generates a standardized report using a template, including Mermaid diagrams, check tables, and an audit trail expectation.

Quick Start

Ask the assistant to run the equity penetration and related-party analysis for company “XX企业” in a “贷前尽调” scenario, using the provided enterprise identifiers and available supporting documents, and to output the structured report (including the Mermaid equity diagram, related-party list, transaction fairness/risk findings, and any triggered R1–R6 red lines).