Introduction

When conducting bond or credit research, the usual practice involves opening terminals to check financials, browsing rating reports, and manually piecing together conclusions. With numerous entity types and complex dimensions, conversational Agents lacking professional data and methodology can easily get stuck in generalized descriptions. Here we introduce Wind Alice - Credit Analysis on SkillHub (coordinates @org-r64ixwde/alice-credit-analysis): Through the “Credit Analysis” capabilities of the Wind Alice Agent, it enables systematic credit research using natural language in clients that support Skills.

What is this

Wind Alice - Credit Analysis is published by Wind (source: enterprise, category: professional), with the current version 1.1.0. It invokes the professional credit analysis skills of the Wind Alice Agent to conduct credit research on various enterprises or institutional entities such as Urban Investment platforms, SOEs (State-Owned Enterprises), private enterprises, listed companies, financial institutions, real estate, and bond issuers. It integrates Wind Risk Scores for assessments such as Default Probability.

The SkillHub page summarizes it into six major dimensions: Entity Credit, Industry Risk, Financial Health, Cash Flow Quality, Rating Benchmarking, and Default Probability. The tag requires_api_key=true indicates that an Alice account and API Key must be configured before use.

Core Features

According to the SkillHub brief and official description, this Skill focuses on the following capabilities (all completed within the same Alice credit analysis workflow):

  1. Entity Credit & Qualifications: Sort out credit qualifications centered on a specified entity, suitable for issuer due diligence and pre-admission screening.
  2. Default & Risk: Combining default probability modeling with Wind Risk Scores, it supports default probability assessment and summarization of key risk points.
  3. Structured Reporting: Can request the generation of credit analysis reports for types such as Urban Investment issuers, rather than scattered Q&A.
  4. Comparative Analysis: Supports credit risk comparison between multiple entities.

Suitable scenarios include entity credit assessment, bond issuer analysis, default risk determination, and credit risk comparison. This Skill has a rating of 100000 and 2599 downloads on SkillHub (subject to SkillHub page statistics).

Installation & Activation

Install Skill via SkillHub

The method provided on the official SkillHub page is to have the Agent pull this Skill according to the installation documentation:

Please install `@org-r64ixwde/alice-credit-analysis` according to https://skillhub.cn/install/skillhub.md.

If skillhub CLI is already available on the local machine, you can also follow the SkillHub Installation Documentation to install the skill to the skills directory recognized by the current Agent (--dir is required during installation, otherwise the default directory may not be loaded). Common path examples include:

  • Cursor: ~/.cursor/skills/
  • Claude Code: ~/.claude/skills/
  • Codex: ~/.codex/skills/ or .agents/skills/ under the project

If the CLI is not installed, the documentation provides a one-click installation script (full installation or CLI only), which needs to be executed in an environment with external network access.

Configure Alice API Key

The Wind side account and keys are not handled within SkillHub; separate registration for Alice is required:

  1. Open Alice Account Settings, register and log in to obtain a dedicated API Key.
  2. For the first time invoking this Skill in the Agent, include the Key and complete an explicit configuration according to official instructions, for example:
Please invoke the Wind Credit Analysis skill to query "Analyze Vanke's credit qualifications". My API Key is: XXXX

Replace XXXX with the real Key. After successful configuration, subsequent queries generally do not require repeating the API Key.

Typical Usage

With the installation and first-time configuration completed above, you can directly ask questions in natural language. The following phrasings are consistent with official usage examples; replace with entity names as needed:

Analyze Vanke's credit qualifications

Assess Country Garden's default probability and key risks

Help me create a credit analysis report for an Urban Investment issuer

Compare the credit risk of Company A and Company B

The Agent will route to the Wind Alice credit analysis capability via the installed Skill; the specific return structure depends on the current model and data permissions on the Alice side.

Applicable Scenarios & Notes

Who it is for: Professionals in credit bonds, fixed income, or risk control who wish to complete entity credit, default probability, or peer comparison via conversation in environments like Cursor or Claude Code, and who already possess or are willing to apply for a Wind Alice account.

Points to note:

  • A valid API Key is mandatory; analysis cannot be completed without a Key or if permissions are insufficient.
  • Analysis quality depends on Wind data and Alice service availability; the Skill itself does not replace compliance approval or investment decision workflows.
  • The Skill name in the first-time configuration statement must match the actual skill name within the client (the official example is “Wind Credit Analysis skill”).
  • An incorrect installation path will result in the Skill not being loaded; ensure --dir matches the client’s skills directory.

Conclusion

Wind Alice - Credit Analysis encapsulates the professional credit analysis capabilities of Wind Alice into a Skill. In Agent conversations, it covers dimensions such as entity credit, industry and finance, cash flow, rating benchmarking, and default probability, while integrating Wind Risk Scores. If you are already using a client that supports SkillHub for investment research assistance, you can directly use it after completing the installation and Alice Key configuration as described above.

  • SkillHub Skill Page: https://www.skillhub.cn/skills/org-r64ixwde/alice-credit-analysis
  • API Coordinate Page: https://api.skillhub.cn/org-r64ixwde/alice-credit-analysis