材料完备性评估结果:
✅ 已具备(必备)
- 尽调报告(2024-01-15,含经营分析和财务分析)
- 拜访记录(近3个月共2次,有实质经营信息)
- 财务资料(2021-2023年三年数据)
⚠️ 建议补充
- 银行流水(仅有3个月,建议补充至6个月)
❌ 缺失(必备材料)
- 营业执照(档案中未见,请上传)
综合评估:[可以提交 / 建议补充后提交 / 暂缓提交]
原因说明:[1-2句话说明评估依据]
免责声明:输出末尾必须附加免责声明,引用 shared/disclaimer-template.md 模板,确保包含“本评估仅基于提供的材料进行完备性检查,不构成授信审批建议”等必要声明。
{
"skill_name": "submit-credit-application",
"skill_version": "1.0.0",
"execution_time": "2026-05-05T10:30:00+08:00",
"input_params": {
"customer_name": "XX企业",
"application_type": "renewal/first_credit/additional",
"application_amount": 50000000
},
"operator": "客户经理姓名（工号：XXX）",
"steps": [
{
"step": "前置状态核查",
"executor": "ai",
"data_source": {"type": "system_api", "system": "信贷系统案件管理模块"},
"result": "pass",
"conflict_detected": false
},
{
"step": "材料盘点",
"executor": "ai",
"data_source": {"type": "system_api", "system": "信贷系统影像档案"},
"result": "pass",
"materials_found": 8,
"materials_missing": 1
},
{
"step": "完备性评估",
"executor": "ai",
"data_source": {"type": "context"},
"result": "pass",
"assessment": "建议补充后提交"
},
{
"step": "确认提交",
"executor": "ai",
"data_source": {"type": "context"},
"confirmation": {"type": "explicit", "confirmed_by": "客户经理姓名（工号：XXX）", "confirmed_at": "2026-05-05T10:35:00+08:00"},
"result": "pass",
"case_id": "CASE-2026-001234"
}
],
"red_line_triggered": [],
"warnings": ["银行流水仅有3个月，建议补充至6个月"],
"references_used": ["references/material-checklist.md"]
}
