What problem does it solve?
Fixed-income researchers and risk managers need to manually gather financial statements, judicial records, rating changes, and guarantee information from scattered sources to assess the credit risk of industrial bond issuers, which is slow and error-prone.
Core Features & Use Cases
- Automated Data Collection: Queries issuer financials, judicial records (executed persons, dishonest lists, court sessions, judgments), equity pledges, regulatory penalties, tax arrears, and external guarantees via the finx gildata-aidata toolset.
- Structured Risk Report: Produces a Markdown risk-control report covering cash flow health, interest-bearing debt pressure, guarantee chains, judicial risk, rating changes, and a weighted risk scorecard with a four-level risk rating.
- Risk Signal Rules: Applies explicit threshold rules (e.g., asset-liability ratio above 70%, cash-to-short-term-debt below 1, dishonest debtor records as veto items) to flag risk levels.
- Use Case: A bond analyst receives a holding alert on an industrial bond and uses this Skill to produce a full credit risk health-check report on the issuer within one conversation.
Quick Start
Run a full financial risk-control check on the bond issuer 万科企业股份有限公司 and generate the structured risk report.
