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Showing SKILL.md
| name | loan-structure-analysis |
| description | 对银行贷款余额、结构分布、变化趋势和集中度进行多维分析，识别结构性风险和增长机会 |
贷款是银行资产端的核心业务，贷款结构直接影响收益水平和风险敞口。管理层需要掌握贷款在产品、期限、行业、区域、客群等维度上的分布情况，识别结构是否合理、集中度是否过高、变化趋势是否健康。本技能对贷款余额进行多维结构分析，输出结构分布、变化趋势、集中度评估和结构优化建议。
| 输入项 | 说明 | 是否必须 |
|---|---|---|
| 贷款明细或汇总数据 | 各维度的贷款余额数据 | 必须 |
| 分析维度 | 产品/期限/行业/区域/客群/担保方式等 | 可选，默认产品+期限 |
| 历史数据 | 前期同口径数据，用于趋势分析 | 可选 |
| 集中度阈值 | 单户/单行业/单区域的集中度预警线 | 可选，默认监管标准 |
| 分析期间 | 数据所属时间点或区间 | 必须 |
| 对比口径 | 同比/环比/较年初 | 可选，默认较年初 |
# 调用 skill
result = run_skill({
"param1": "value1",
"param2": "value2"
})
python scripts/run_skill.py --input data.json