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银行信贷结构分析工具。分析银行贷款投向结构（对公/零售/票据）、行业分布、区域分布、客户集中度等。使用央行信贷收支表、银行财报数据。适用于信贷政策研究、投放策略分析、信用风险监测。
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Showing SKILL.md
| name | bank-credit-analyzer |
| description | 银行信贷结构分析工具。分析银行贷款投向结构（对公/零售/票据）、行业分布、区域分布、客户集中度等。使用央行信贷收支表、银行财报数据。适用于信贷政策研究、投放策略分析、信用风险监测。 |
| 类型 | 说明 |
|---|---|
| 对公贷款 | 企业贷款、事业单位贷款 |
| 零售贷款 | 个人住房贷款、消费贷、经营贷 |
| 票据融资 | 银行承兑汇票贴现 |
