loan-risk-monitor

What problem does it solve?

It solves the problem of reliably monitoring batch borrower companies for post-loan risks by scanning judicial, asset, operational, credit, and negative public sentiment signals and producing a structured monitoring report with tiered disposal guidance.

Core Features & Use Cases

• Five-dimensional risk signal scanning: Covers judicial execution, asset quality,工商经营, credit/debt risk, and negative sentiment signals with time-aware separation of current-valid vs historical-resolved items.
• Structured risk report generation: Produces a standardized Markdown report including risk overview, per-enterprise details, and disposal recommendations aligned to the risk rating matrix.
• Safety guardrails and compliance controls: Enforces objective-only reporting, source traceability, degradation strategies when official systems are unavailable, and explicit out-of-scope boundaries (no approval decisions, no direct loan protection execution).
• Batch processing support: Handles enterprise lists with batching when the input size exceeds the configured limit to keep output complete and consistent.

Quick Start

Ask the skill to run on your enterprise list and generate a tiered post-loan risk monitoring report for the specified time range with a chosen monitoring depth.