pre-visit-credit-analysis

What problem does it solve?

This Skill turns pre-visit credit background research into a structured, ready-to-use “one-page” risk brief, so credit teams can prepare targeted on-site questions before they meet the client. It solves the problem of fragmented checks across business registry, judicial records, public opinion, internal lending data, and (when authorized) external credit reports.

Core Features & Use Cases

• Pre-visit risk penetration (5 data dimensions): Integrates business registry, judicial risk, public opinion, internal lending (if available), and external credit (only with authorization) to surface red/yellow/positive signals.
• Red-flag + veto self-check (V1–V6): Performs mandatory one-veto determination and clearly marks any “do not proceed” situations at the top of the report.
• Structured “one-page” output for visit planning: Produces a consistent report template (enterprise profile, operating status, signals, veto checks, and a visit focus checklist).
• Degradation & auditability: Continues analysis when a data source fails, records audit trail in JSON, and applies data masking rules.

Quick Start

Generate a “pre-visit analysis” one-page risk brief for customer "XX制造有限公司" with visit purpose "新客户首笔授信", including veto checks and visit focus recommendations.