Borrowing it
Nothing to install: this file belongs to belos-street/stock-analytics-skill. Take a copy, put it at the same path in your own repository, and replace the rules that are about this project with yours.
curl -O https://raw.githubusercontent.com/belos-street/stock-analytics-skill/main/.agents/skills/credit-analysis/SKILL.mdgit clone --depth 1 https://github.com/belos-street/stock-analytics-skillWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/belos-street/stock-analytics-skill/credit-analysis)<a href="https://agentmods.dev/skills/belos-street/stock-analytics-skill/credit-analysis"><img src="https://agentmods.dev/badge/skills/belos-street/stock-analytics-skill/credit-analysis/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/belos-street/stock-analytics-skill/credit-analysis"><img src="https://agentmods.dev/badge/skills/belos-street/stock-analytics-skill/credit-analysis.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00052 | $0.02484 |
| Opus 5 | $0.00026 | $0.01242 |
| Sonnet 5 | $0.00010 | $0.00497 |
| Haiku 4.5 | $0.00005 | $0.00248 |
Grade A, and why
credit-analysis scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 11d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 389 lines — stays where its author put it; the contents beside it link to each section on GitHub.
信用分析
技能核心定位
核心目标
系统化信用研究能力，覆盖主体信用、行业风险、财务健康度、现金流质量、评级对标、违约概率建模，为债券投资和风险管理提供定量依据。集成风险评分系统，提供更精准的违约概率评估。
目标用户
- 债券投资者：评估发行人信用资质
- 信用风险管理：识别高风险主体
- 投资组合构建：筛选符合风险偏好的标的
- 研究分析师：进行信用评级验证
- 风控人员：评估违约概率
技能边界
可提供服务：
- 主体信用资质分析
- 行业风险评估
- 财务健康度诊断
- 现金流质量分析
- 内部评级构建
- 违约概率建模
不可提供服务：
- 投资建议
- 承诺收益
- 预测违约
- 内幕信息
信用分析框架
一、主体资质分析
基本面评估
1. 企业性质
- 国企/民企/央企
- 股东背景
- 行政层级
2. 行业地位
- 市场份额
- 竞争壁垒
- 盈利能力
3. 公司治理
- 管理层稳定性
- 股权结构
- 激励约束机制
4. 业务模式
- 收入结构
- 盈利模式
- 抗周期能力
经营能力评估
指标体系：
- 营收规模与增速
- 盈利能力（毛利率、净利率）
- 运营效率（存货周转、应收账款周转）
- 成长性（营收增速、利润增速）
二、行业风险分析
行业特性评估
1. 行业周期
- 强周期/弱周期
- 周期阶段
2. 政策环境
- 支持政策
- 限制政策
- 监管趋势
3. 竞争格局
- 行业集中度
- 波特五力分析
- 竞争壁垒
4. 行业趋势
- 市场规模增长
- 技术变革
- 替代品威胁
行业信用风险矩阵
| 行业 | 信用风险 | 典型行业 |
|---|---|---|
| 低风险 | 城投、电力、银行 | 稳定现金流 |
| 中低风险 | 医药、消费 | 需求稳定 |
| 中风险 | 化工、制造业 | 周期波动 |
| 中高风险 | 房地产、贸易 | 高杠杆 |
| 高风险 | 航空、养殖 | 亏损严重 |
三、财务健康度诊断
盈利能力
核心指标：
- 毛利率：>20%为优质
- 净利率：>10%为优质
- ROE：>10%为良好
- 营收增速：与行业对比
评估方法：
- 趋势分析（3-5年）
- 同业对比
- 异常波动识别
偿债能力
短期偿债：
- 流动比率：>1.5为良好
- 速动比率：>1为良好
- 现金比率：>0.5为良好
长期偿债：
- 资产负债率：<60%为稳健
- 产权比率：<1.5为稳健
- 利息保障倍数：>3为良好
刚性压力：
- 短期有息负债
- 一年内到期债券
- 外部担保
资产质量
应收账款：
- 账龄分析
- 坏账准备
- 集中度风险
存货：
- 存货周转天数
- 跌价准备
- 变现能力
商誉：
- 商誉/净资产：<30%为合理
- 商誉减值风险
受限资产：
- 资产抵押情况
- 受限比例
四、现金流质量分析
现金流结构
经营现金流（核心）：
- 净现比：>80%为优质
- 经营现金流/EBITDA：>60%为良好
- 趋势分析
投资现金流：
- 资本开支合理性
- 在建工程进度
- 并购扩张节奏
筹资现金流：
- 融资渠道畅通度
- 再融资压力
- 债务到期分布
现金流分析矩阵
| 类型 | 经营 | 投资 | 筹资 | 评价 |
|---|---|---|---|---|
| 优质型 | + | - | - | 自我造血 |
| 稳健型 | + | - | + | 扩张期 |
| 维持型 | + | + | + | 依赖融资 |
| 恶化型 | - | +/- | + | 危险信号 |
五、评级对标分析
外部评级参考
评级符号：
- AAA：最高信用
- AA+、AA、AA-：高信用
- A+、A、A-：中上信用
- BBB+、BBB：中等信用
- BB+及以下：投机级
评级机构：
- 中诚信
- 联合评级
- 东方金诚
- 标普、穆迪（美元债）
内部评级构建
评级维度：
1. 主体资质（40%）
2. 财务状况（30%）
3. 行业风险（20%）
4. 支持因素（10%）
评级结果：
- 1-3级：优质
- 4-6级：良好
- 7-8级：一般
- 9-10级：关注/违约
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 11d ago First seen · 389 lines · 52 tokens per session scan A 9293be00a4ca
credit-analysis is a skill published in the GitHub repository belos-street/stock-analytics-skill (49 stars, last pushed 29d ago), licensed MIT. It adds 52 tokens to every session and 2,484 once invoked, about $0.0003 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.
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