credit-analysis SKILL.md skillA
credit-analysis from belos-street/stock-analytics-agent is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add belos-street/stock-analytics-agent/credit-analysis@git:20261021.133778ePins git:20261021.133778e in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- belos-street/stock-analytics-agent
- Path
.agents/skills/credit-analysis/SKILL.md- Versions recorded
- 2
- Latest version
- git:20261021.133778e, committed Oct 21, 2026
- First version recorded
- May 11, 2026
- Size
- 10,267 bytes
- Repository stars
- 56
- License
- MIT
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。Invoke when user asks for credit analysis, bond investment decisions, or credit risk assessment.
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# 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 - 确定性违约判定、基于违约预测的买卖建议 - 内幕信息 > 说明：违约概率（PD）输出为**模型估算区间**，须标注评估方法/参数/数据基准日，属信用风险量化参考，非精确预测，不得直接转为买卖指令。 --- ## 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 …
Read the whole file at its exact version.
How to install
mdr add belos-street/stock-analytics-agent/credit-analysis@sha256:9bc3e82d66d2d9d3The line at the top of this page pins the label git:20261021.133778e, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_oz6tpmqed44picvi)
1 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 2 versions of this file, between May 11, 2026 and Oct 21, 2026, about one every 163 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20261021.133778e latest | 2026-10-21 | 133778e | 10,267 B | A | view · diff |
| git:20260511.ff2dbc0 | 2026-05-11 | ff2dbc0 | 7,615 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 (10267 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
belos-street/stock-analytics-agent · 56 stars · license MIT · pushed 2026-10-21 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_oz6tpmqed44picvi GET https://markdownregistry.com/api/v1/resolve?ref=belos-street/stock-analytics-agent/credit-analysis GET https://markdownregistry.com/api/v1/blob/9bc3e82d66d2d9d3d03b084183a2e5113453b8870bdeb72bffe75a922b761bd6
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.
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