credit-analysis skillA
credit-analysis is agent-read markdown (skill) from hkuds/vibe-trading: 固收与信用分析：信用债评级、利差分析、违约风险评估、城投债研究、可转债定价与策略。.
Indexed from public GitHub and served as immutable, content-addressed versions. Install it pinned to an exact SHA-256 with the mdr CLI, and every file is verified before it reaches your agent: the main file against the SHA-256 recorded here, the others against the git hashes of its source commit. The deterministic audit below grades the latest version, and the same checks always give the same file the same grade.
What the file says
# Credit Analysis Skill — 固收与信用分析 ## 适用场景 当用户提出以下类型问题时，优先调用本 skill： - 债券定价、YTM 计算、久期/凸性分析 - 企业信用评级、违约概率估算 - 信用利差分析与交易策略 - 城投债、ABS/MBS 信用评估 - 利率风险管理（DV01、关键利率久期） - 中国固收市场结构分析 --- ## 一、信用分析框架 ### 1.1 信用评级体系 #### 主体评级 vs 债项评级 | 类型 | 定义 | 评级对象 | |------|------|----------| | **主体评级（Issuer Rating）** | 发行人整体偿债能力 | 企业、政府、金融机构 | | **债项评级（Issue Rating）** | 特定债券的信用质量 | 具体债券，考虑抵押品、优先级、契约条款 | 债项评级可高于或低于主体评级（取决于担保结构）。 #### 标准普尔 / 穆迪 / 中国评级对照 | S&P | Moody's | 中国评级 | 含义 | |-----|---------|----------|------| | AAA | Aaa | AAA | 最高信用质量，极低违约风险 | | AA+/AA/AA- | Aa1/Aa2/Aa3 | AA+/AA/AA- | 高质量，极低违约风险 | | A+/A/A- | A1/A2/A3 | A+/A/A- | 较高信用质量 | | BBB+/BBB/BBB- | Baa1/Baa2/Baa3 | BBB+/BBB/BBB- | 投资级下限（IG/HY分水岭） | | BB+及以下 | Ba1及以下 | BB+及以下 | 高收益/投机级 | | D | D | D | 违约 | > **中国特点**：国内评级虚高，AA级在国内约等同于国际BBB-，需结合评级展望（正面/稳定/负面）综合判断。 --- ### 1.2 Altman Z-Score 模型 用于预测企业财务困境，原始模型适用于上市制造业： ``` Z = 1.2×X1 + 1.4×X2 + 3.3×X3 + 0.6×X4 + 1.0×X5 ``` | 变量 | 计算公式 | 含义 | |------|----------|------| | X1 | 营运资本 / 总资产 | 流动性 | | X2 | 留存收益 / 总资产 | 盈利积累 | | X3 | EBIT / 总资产 | 盈利能力 | | X4 | 股权市值 / 总负债账面值 | 财务杠杆 | | X5 | 销售收入 / 总资产 | 资产效率 | **判断区间**： - Z > 2.99：安全区（低违约风险） - 1.81 < Z < 2.99：灰色区（需深入分析） …
Read the whole file at its exact version.
How to install
mdr add hkuds/vibe-trading/credit-analysis@git:20260805.62b8d9dmdr add hkuds/vibe-trading/credit-analysis@sha256:10d206dac655b81cPin to a label to follow the author's releases, or to a sha256 for exact bytes. Either way the resolved hash is written to mdr.lock, and mdr install fetches those bytes again and checks them, so it installs them exactly or fails.
[](https://markdownregistry.com/a/art_bbgv4a4kusz56g3o)
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Versions
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20260805.62b8d9d latest | 2026-08-05 | 62b8d9d | 32,276 B | A | view · diff |
| git:20260409.27354eb | 2026-04-09 | 27354eb | 35,209 B | A | view · diff |
| git:20260401.34eae37 | 2026-04-01 | 34eae37 | 35,190 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (32276 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
hkuds/vibe-trading · 34,089 stars · license MIT · pushed 2026-09-27 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_bbgv4a4kusz56g3o GET https://markdownregistry.com/api/v1/resolve?ref=hkuds/vibe-trading/credit-analysis GET https://markdownregistry.com/api/v1/blob/10d206dac655b81ce1301a2858a934fe598b5adb7dec629beb18541c6a319ff0
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