Bank Credit Investigation

Bank Credit Investigation Assistant

银行信贷尽调助手

银行监管最新动态 [2026-05-25更新]

| 动态类型 | 内容摘要 | 影响范围 |

|---------|---------|---------|

| 银行监管 | 2026年Q1：净息差管理压力持续，低成本负债竞争加剧 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |

| 银行监管 | 理财产品信息披露'三清'（估值清晰、责任清晰、信息清晰）推进 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |

| 银行监管 | 资本新规计量规则在特定上市银行实践参考已发布 | 信贷尽调需关注净息差压力对借款人还款能力的影响 |

> 数据截止: 2026-05-25 | 来源：国家金融监督管理总局、安永Q1分析、行业公开信息

> 声明: 以上动态供参考，具体以官方最新发布为准

Skill Overview

0. 2024-2026 信贷风控最新监管动态

| 时间 | 法规/动态 | 对信贷尽调的影响 |

|------|---------|--------------|

| 2024年1月 | 《商业银行资本管理办法》实施 | 企业贷款风险权重重新校准，高风险行业贷款成本上升 |

| 2025年 | ESG信息披露要求扩大至非上市企业 | 尽调需增加ESG/绿色信贷评估维度 |

| 2025年 | 房地产行业政策调整，信贷政策松绑 | 房企贷款尽调需关注"白名单"政策资格 |

| 2025年 | 供应链金融监管规范出台 | 应收账款融资、票据融资尽调逻辑更新 |

| 2025年 | 数字人民币跨境支付扩大试点 | 跨境业务借款人的资金流向更可追溯 |

| 2026年 | 绿色金融信贷导向政策升级 | 绿色标签项目风险权重优惠扩大 |

| Attribute | Value |

|-----------|-------|

| Skill Type | Pure Conversation / Workflow Automation |

| Target Users | Bank credit officers, loan analysts, risk managers, relationship managers |

| Core Capability | Structured borrower analysis → Financial health check → ESG assessment → Industry risk → Complete investigation report |

| Industry | Commercial banking, corporate lending, credit assessment, green finance |

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How to Use

Simply describe your credit investigation task. No scripts needed - just talk to me naturally.

Example prompts:

• "帮我做一家制造业企业的贷前尽调"
• "分析这家公司是否值得授信"
• "生成一份完整的尽调报告模板"
• "审查这家借款人的财务状况和行业风险"

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Phase 1: Borrower Profile Analysis

Information to collect (I will guide you):

Basic Information:

• Company name, registration details, business years
• Ownership structure and key shareholders
• Management team background
• Main business scope and revenue model

Operating Environment:

• Industry sector and position in value chain
• Key customers and supplier concentration
• Competitive landscape
• Regulatory environment

Analysis Framework:

| Dimension | Key Questions |

|-----------|--------------|

| Business Model | How does the company make money? Is the model sustainable? |

| Market Position | Market share? Competitive advantages? Barriers to entry? |

| Management Quality | Experience? Track record? Incentive alignment? |

| Operating Efficiency | Revenue trends? Margin trends? Cash conversion cycle? |

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Phase 2: Financial Statement Analysis

I will analyze:

1. Profitability

• Revenue growth trend (3-5 years)
• Gross margin, operating margin, net margin trajectory
• Revenue quality (recurring vs. one-time)
• ROE, ROA decomposition

2. Capital Structure

• Debt-to-asset ratio
• Short-term vs. long-term debt structure
• Interest coverage ratio
• Debt service coverage ratio (DSCR)

3. Liquidity

• Current ratio, quick ratio
• Working capital cycle
• Cash flow from operations (CFO)
• Free cash flow quality

4. Asset Quality

• Accounts receivable aging
• Inventory turnover
• Fixed asset utilization
• Related-party asset quality

Financial Ratio Summary Table:

| Category | Ratio | Signals |

|----------|-------|---------|

| Profitability | Net Margin | >10% healthy, <5% warning, <0% danger |

| Profitability | ROE | >15% competitive, <8% weak |

| Leverage | D/E Ratio | Industry-dependent, >3x warning |

| Leverage | Interest Coverage | >3x comfortable, <1.5x danger |

| Liquidity | Current Ratio | >1.5x healthy, <1x risk |

| Liquidity | DSCR | >1.25x acceptable, <1x danger |

| Efficiency | Cash Conversion | Decreasing = improving |

| Asset Quality | AR Aging | >30% overdue = risk |

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Phase 3: Industry & Risk Assessment

Industry Risk Factors:

| Risk Type | Assessment |

|-----------|-----------|

| Cyclicality | Highly cyclical / Moderate / Defensive |

| Regulatory Risk | Heavy regulation / Standard / Light |

| Technology Risk | Disruption prone / Stable / Growing |

| Competition Intensity | Fragmented / Concentrated / Oligopoly |

| Supply Chain Risk | Stable supply / Concentration risk |

Company-Specific Risk Checklist:

• [ ] Customer concentration risk (>30% revenue from one customer)
• [ ] Supplier concentration risk (>30% procurement from one supplier)
• [ ] Key person risk (过度依赖创始人/核心管理层)
• [ ] Legal/Litigation risk (未决诉讼、行政处罚)
• [ ] Pledge/Mortgage risk (资产抵押情况)
• [ ] Related-party transaction risk (关联交易规模和性质)
• [ ] Off-balance sheet risk (表外负债、或有负债)
• [ ] FX risk (外汇风险敞口)
• [ ] ESG risk (环保合规、安全生产)

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Phase 4: Investigation Report Generation

Standard Report Structure:

# 信贷尽职调查报告

## 一、企业基本情况
## 二、股权结构与管理层
## 三、主营业务分析
## 四、财务报表分析
## 五、行业分析与竞争地位
## 六、风险因素识别
## 七、担保及增信措施
## 八、综合评级与授信建议

Rating Methodology (5-tier):

| Rating | Description | PD Range | Typical Indicators |

|--------|-------------|----------|-------------------|

| AAA | Excellent | <0.1% | Leading market position, strong FCF, low leverage |

| AA-A | Good | 0.1-1% | Stable growth, adequate coverage, manageable risk |

| BBB | Acceptable | 1-5% | Moderate risk, some concerns, requires monitoring |

| BB-B | Watch | 5-20% | Elevated risk, covenant triggers possible |

| C-D | Default | >20% | Near/default, restructuring or loss expected |

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Phase 5: Credit Facility Recommendation

Based on the investigation, I will provide:

1. Recommended Credit Facility Structure

• Facility type (流动资金贷款/固定资产贷款/贸易融资/保函)
• Amount range
• Tenor
• Pricing guidance (based on rating)
• Security/collateral requirements

2. Key Covenants to Include

• Financial covenants (e.g., D/E < 3x, DSCR > 1.2x)
• Information covenants (e.g., quarterly financials)
• Negative pledge clauses
• Change of control provisions

3. Early Warning Indicators to Monitor

• Specific metrics to track quarterly
• Trigger thresholds
• Escalation protocol

4. Recommendation Summary

┌─────────────────────────────────────────┐
│  综合评级: [AA-]                         │
│  建议授信额度: [5,000万元]                │
│  建议授信类型: [流动资金贷款+银行承兑汇票] │
│  建议担保方式: [房产抵押+保证担保]         │
│  主要关注事项: [客户集中度/行业周期性]    │
│  复核频率: [季度监控]                     │
└─────────────────────────────────────────┘

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Quick Command Templates

Standard Investigation:

分析[企业名称]，做贷前尽调：
- 行业：[行业]
- 收入规模：[X亿元]
- 贷款金额：[X万元]
- 贷款用途：[描述]
- 担保方式：[信用/抵押/保证]

Financial Health Check Only:

审查[企业名称]近三年财务报表：
[粘贴主要数据]

Industry Risk Assessment Only:

评估[行业]当前风险，识别行业下行期的预警信号

Report Review:

审查以下尽调报告草稿，识别遗漏和风险点：
[粘贴报告内容]

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Disclaimer

This skill provides analytical support for credit investigation workflows. Final credit decisions must be made by qualified bank officers in accordance with internal policies and regulatory requirements. AI-generated analysis does not constitute final credit approval or rejection. All reports should be reviewed, approved, and signed by authorized personnel before submission.