Agricultural Development Bank Loan Assessment Report Pre-Review Assistant

Problem

Customer managers at the Agricultural Development Bank often spend significant time rechecking loan survey and assessment reports before submission. Manual review can miss cross-section issues such as debt-to-asset ratio, capital and total investment, and collateral ratios, causing reports to be returned after submission.

How It Works

The skill treats the report as an audit target and runs structured checks across nine dimensions: format, completeness, logic, numeric accuracy, writing quality, unified credit, collateral compliance, guarantee compliance, and sub-product admission. It applies thresholds from the IMA knowledge base, for example checking whether ecosystem and environmental protection loans meet debt-to-asset ratio ≤ 80%, whether commodity housing collateral stays ≤ 70%, and whether fixed-asset loan funding satisfies loan amount + capital ≈ total investment. A manager can send a report path or report content, and the skill returns located issues, rule references, and suggested fixes for pre-submission self-checking.

Boundaries

It is designed for pre-submission checks by local customer managers, not for formal provincial or municipal review. The skill depends on readable report text and parseable amounts and ratios; if attachments, tables, or scanned content cannot be recognized, some checks may fail. Output should support manual review, not replace formal credit review or institutional approval.