Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add guoliang1114-boop/AriaAI --skill debt-restructuringgit clone --depth 1 https://github.com/guoliang1114-boop/AriaAIWrote 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/guoliang1114-boop/ariaai/debt-restructuring)<a href="https://agentmods.dev/skills/guoliang1114-boop/ariaai/debt-restructuring"><img src="https://agentmods.dev/badge/skills/guoliang1114-boop/ariaai/debt-restructuring/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/guoliang1114-boop/ariaai/debt-restructuring"><img src="https://agentmods.dev/badge/skills/guoliang1114-boop/ariaai/debt-restructuring.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 | $0.00027 | $0.02886 |
| Opus 5 | $0.00014 | $0.01443 |
| Sonnet 5 | $0.00005 | $0.00577 |
| Haiku 4.5 | $0.00003 | $0.00289 |
Grade A, and why
debt-restructuring 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 10d 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 — 290 lines — stays where its author put it; the contents beside it link to each section on GitHub.
债务重组方案设计
When To Use
- 企业面临债务偿还困难，需要重组债务结构
- 银行贷款即将到期且无法正常偿还
- 债券违约或即将违约
- 需要与债权人协商调整还款条件
- 企业陷入财务困境，需设计整体债务解决方案
Tools
- 债务结构分析模板
- 现金流预测模型
- 债权人优先级矩阵
- 重组方案比较模型
- 法律程序评估工具
Framework
债务重组路径选择
Path A: Out-of-Court Workout（庭外重组/协商重组）
- 适用条件：债务人仍有持续经营价值，债权人数量有限且愿意协商
- 主要手段：
- 债务展期（Extension）
- 利率调整（Interest Rate Reduction）
- 债转债（Debt-for-Debt Exchange）
- 债转股（Debt-for-Equity Swap）
- 部分豁免（Haircut）
- 资产处置偿债
- 优势：成本低、速度快、对经营影响小
- 劣势：需要全体/多数债权人同意，可能面临"钉子户"
Path B: Formal Insolvency Procedures（正式破产程序）
中国《企业破产法》框架下：
- 破产重整（Reorganization）：企业仍有挽救价值，法院主导下的债务重组
- 重整计划需债权人会议分组表决
- 法院可强制批准（Cram Down）
- 重整期间可继续经营
- 破产和解（Composition）：债务人与债权人达成和解协议
- 破产清算（Liquidation）：企业无挽救价值，资产变现分配
国际比较：
- US Chapter 11：DIP融资、自动冻结、确认听证
- UK Company Voluntary Arrangement (CVA) / Administration
- Singapore Scheme of Arrangement
债权人优先级（Waterfall）
1. 有担保债权（Secured Claims）— 担保物优先受偿
2. 破产费用和共益债务
3. 职工债权（工资、社保、补偿金）
4. 税款债权
5. 无担保债权（Unsecured Claims）
6. 次级债权（Subordinated Claims）
7. 股权（Equity）— 剩余财产分配
重组可行性评估
- 持续经营价值 vs 清算价值：Going Concern Value > Liquidation Value → 重组优先
- 现金流测试：重组后经营现金流能否覆盖重组后债务
- 利益相关方分析：各债权人的谈判立场和底线
Workflow
1. 债务结构分析
├─ 债务清单（金额、利率、期限、担保情况）
├─ 债权人分类（银行/债券/供应商/关联方）
├─ 到期时间分布
├─ 担保物评估
└─ 交叉违约条款识别
2. 财务状况评估
├─ 资产负债分析
├─ 经营现金流分析
├─ 可变现资产评估
├─ 持续经营价值评估
└─ 清算价值评估
3. 重组方案设计
├─ 重组目标设定（减债规模、展期期限）
├─ 多方案设计（展期/减免/债转股组合）
├─ 各方案现金流测算
├─ 各方案对债权人的回收率
└─ 方案可行性评估
4. 债权人谈判
├─ 债权人立场分析
├─ 谈判策略制定
├─ 关键条款设计
├─ 分组表决安排
└─ 法律文件准备
5. 方案执行
├─ 重组协议签署
├─ 法院裁定（如适用）
├─ 条件满足/豁免
├─ 资金安排
└─ 后续监控
Output Format
# 债务重组方案
## 一、企业基本情况
| 项目 | 内容 |
|------|------|
| 企业名称 | |
| 所属行业 | |
| 债务总额 | |
| 资产总额 | |
| 资产负债率 | |
| 经营状况 | |
## 二、债务结构分析
| 债权人 | 本金 | 利率 | 到期日 | 担保情况 | 优先级 |
|--------|------|------|--------|----------|--------|
| 银行A | | | | | 有担保 |
| 债券B | | | | | 无担保 |
| 供应商C | | | | | 无担保 |
| **合计** | | | | | |
## 三、重组路径选择
| 路径 | 适用条件 | 优势 | 劣势 | 可行性 |
|------|----------|------|------|--------|
| 庭外协商 | | | | |
| 破产重整 | | | | |
| 破产和解 | | | | |
| **建议路径** | | | | |
## 四、重组方案
### 方案A：展期+减免
| 债权人 | 原债务 | 减免比例 | 重组后债务 | 展期期限 | 新利率 |
|--------|--------|----------|------------|----------|--------|
| | | | | | |
### 方案B：债转股
| 债权人 | 转股金额 | 转股价格 | 转股比例 | 稀释后持股 |
|--------|----------|----------|----------|------------|
| | | | | |
### 方案比较
| 维度 | 方案A | 方案B |
|------|-------|-------|
| 债权人回收率 | | |
| 原股东稀释 | | |
| 重组后负债率 | | |
| 现金流压力 | | |
| 可行性 | | |
## 五、重组后财务预测
| 指标 | Year 1 | Year 2 | Year 3 |
|------|--------|--------|--------|
| 收入 | | | |
| EBITDA | | | |
| 偿债现金流 | | | |
| 资产负债率 | | | |
| 利息覆盖率 | | | |
## 六、谈判策略
| 债权人 | 谈判立场 | 底线 | 策略 | 关键筹码 |
|--------|----------|------|------|----------|
| | | | | |
## 七、时间表
| 阶段 | 时间 | 关键事项 |
|------|------|----------|
| 准备期 | | |
| 谈判期 | | |
| 签约期 | | |
| 执行期 | | |
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.
- 10d ago First seen · 290 lines · 27 tokens per session scan A 3fc54e5163c1
debt-restructuring is a skill published in the GitHub repository guoliang1114-boop/AriaAI (37 stars, last pushed 3d ago), licensed MIT. It adds 27 tokens to every session and 2,886 once invoked, about $0.0001 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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