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 vivy-yi/finance-skills --skill expense-ratio-analysisgit clone --depth 1 https://github.com/vivy-yi/finance-skillsWrote 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/vivy-yi/finance-skills/expense-ratio-analysis)<a href="https://agentmods.dev/skills/vivy-yi/finance-skills/expense-ratio-analysis"><img src="https://agentmods.dev/badge/skills/vivy-yi/finance-skills/expense-ratio-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/vivy-yi/finance-skills/expense-ratio-analysis"><img src="https://agentmods.dev/badge/skills/vivy-yi/finance-skills/expense-ratio-analysis.svg" alt="Reviewed on agentmods" width="80" height="20"></a>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 | $0.00099 | $0.02935 |
| Opus 5 | $0.00049 | $0.01468 |
| Sonnet 5 | $0.00020 | $0.00587 |
| Haiku 4.5 | $0.00010 | $0.00294 |
Grade A, and why
expense-ratio-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 12d 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 — 289 lines — stays where its author put it; the contents beside it link to each section on GitHub.
加载上下文
首次使用时： 读取 ../../CLAUDE.md 获取场景级配置（费用率目标/超支标准/人均费用）。
/expense-ratio-analysis — 费用率分析
Examples
→ 示例：用户说"帮我们分析一下各项费用率的变化，看看管控是否有效"，系统应调用本技能，执行费用率趋势分析。
→ 示例：用户说"营销费用占收入比突然升高了 2 个点，帮我分析原因"，系统应调用本技能，分析营销费用率上升原因。
→ 示例：用户说"帮我们对比一下行业内其他公司的费用率水平"，系统应调用本技能，执行费用率行业对标分析。
第一步：获取费用数据
从 [ERP]/[BK] 获取费用数据：
□ 本期数据：[YYYY年MM月]
□ 上期数据：[YYYY年MM月]
□ 去年同期：[YYYY年MM月]
□ 预算数据：[YYYY年]全年预算
□ 获取字段：
销售费用 | 管理费用 | 研发费用
各费用明细科目 | 人员数量 | 收入
第二步：费用率概览分析
费用率三维度对比：
| 本期 | 上期 | 去年同期 | 预算 | 目标
--------|---------|---------|---------|---------|-------
销售费用率 | [X%] | [X%] | [X%] | [X%] | [X%]
管理费用率 | [X%] | [X%] | [X%] | [X%] | [X%]
研发费用率 | [X%] | [X%] | [X%] | [X%] | [X%]
总费用率 | [X%] | [X%] | [X%] | [X%] | [X%]
趋势判断：
□ 费用率上升 > [X]% → ⚠️ 关注
□ 费用率连续 [X] 月上升 → 🔴 预警
□ 费用率下降 < [X]% → ✅ 改善
第三步：销售费用深度分析
销售费用结构：
| 本期 | 预算 | 执行率 | 同比 | 超支
--------|---------|---------|---------|---------|-------
人员成本 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
差旅费 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
招待费 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
市场推广 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
佣金 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
合计 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
人均销售费用：
□ 销售人数：[X] 人
□ 人均销售费用：[X] 万/人（目标 [X] 万/人）
□ 人均创收：[X] 万/人
□ 费用收入比：[X]%（目标 [X]%）
超支归因：
□ 合理性超支（战略性投入）：
- 新市场开拓：[XXX万] — 预期回报 [描述]
- 大客户攻关：[XXX万] — 预期回报 [描述]
- 行业展会/年：[XXX万] — 品牌建设
□ 失控性超支（内部问题）：
- 报销标准执行不严：[XXX万]
- 人员扩张失控：[XXX万]
- 市场活动ROI低：[XXX万]
第四步：管理费用深度分析
管理费用结构：
| 本期 | 预算 | 执行率 | 同比 | 超支
--------|---------|---------|---------|---------|-------
人员成本 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
折旧摊销 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
办公差旅 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
咨询顾问 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
合计 | [XXX万] | [XXX万] | [X%] | [±X%] | [±XXX万]
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.
- 12d ago First seen · 289 lines · 99 tokens per session scan A cc1de92cb393
expense-ratio-analysis is a skill published in the GitHub repository vivy-yi/finance-skills (29 stars, last pushed 3mo ago), licensed MIT. It adds 99 tokens to every session and 2,935 once invoked, about $0.0005 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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