credit-case-intake-check

Case Intake Check

Before the credit review process starts, perform completeness verification and basic information validity verification on the credit application materials submitted by the customer to ensure the case meets the minimum intake standards.

Execution Workflow

Interaction Mode: Mode A - Report Generation

When the user requests a check of credit application case intake materials, execute according to the following workflow:

Step 0: Data Confirmation and Verification (read first, then write)

Confirm customer identity: extract customer name or ID
Confirm case number: extract case number
Confirm target product: extract product name or code
Check required fields: customer name, case number, target product, application amount, application material checklist
Run verification script: python scripts/validate_intake_check.py --check-customer --check-materials
If required fields are missing, output the missing checklist, require the user to supplement, and stop the subsequent workflow
After verification passes, proceed to Step 1

📋 Data source:user_upload 📋 Executing entity:ai 📋 Confirmation mechanism:none ⚠️ Mandatory instruction: Do not skip the required field check; customer, case, and product information must be confirmed complete

Step 1: Customer Basic Information Validity Verification

Obtain the customer's basic information and compare its validity against official certificates. Integration prompt: map to your bank's customer information system (ECIF), business registration data interface, identity verification system, or equivalent data aggregation tools

Extract customer basic information (10 fields): customer name, enterprise name, unified social credit code, legal representative, registered capital, date of establishment, industry, business address, contact information, actual controller information
Verify item by item (against the Step 1 basic information verification table):
- Compare word by word with the business license (enterprise name, legal representative, registered capital, date of establishment, business address)
- Unified social credit code verification (18 digits, compliant with GB 32100 coding rules)
- ID card validity verification (18 digits, correct check code, not expired)
Mark verification results (✅ pass/❌ fail) and severity (blocking/suggested supplement)
Information consistency check: compare against business license/ID card; any inconsistency must be marked with the specific inconsistent item

📋 Data source:system_api(ECIF system, business registration data interface, identity verification system) 📋 Executing entity:ai ⚠️ Mandatory instruction: Do not skip the information consistency verification; enterprise names must be compared word by word (including parentheses, suffixes such as Co., Ltd., etc.)

Step 2: Application Material Completeness Check

Against the bank's credit material standards, check item by item whether the application materials exist and are valid.

Extract the application material checklist and compare it against the material grading standards (three levels: required/suggested/supplementary):
- Required materials (6 items): credit application form, business license, legal representative's ID card, financial statements, credit authorization letter, articles of association
- Suggested materials (5 items): bank statements, tax payment certificates, proof of business premises, major contracts/orders, list of external guarantees
- Supplementary materials (5 items): industry qualifications/licenses, environmental protection/safety compliance certificates, high-tech enterprise certificate, patent/intellectual property list, upstream and downstream customer list
Check the material status item by item (✅ submitted/❌ missing/⚠️ invalid)
Verify material validity:
- The business license must be within its validity period, and annual inspection/annual report must be normal
- The ID card must be within its validity period, with both front and back sides complete
- For financial statements, give priority to audited annual statements (the past 2-3 years + the most recent period)
- The credit authorization letter must be a scanned copy of the original, with the authorization scope covering this credit extension and complete signatures and seals
Mark the severity of missing items (blocking/supplement recommended/informational notice)

📋 Data source:system_api(credit system image archive) 📋 Executing entity:ai ⚠️ Mandatory instruction: "sufficient quantity of materials" must not be used in place of "content quality meeting the standard"; the substantive content must be checked

Step 3: Verification of the reasonableness of the application amount and purpose

Extract the key fields from the credit application and conduct a reasonableness and compliance review.

Extract key fields: application amount, purpose description, term, repayment source
Amount verification (4 items):
- Amount range: must be within the upper and lower limits specified by the product policy (blocking)
- Amount unit: must be RMB (yuan); foreign currency must be additionally explained (blocking)
- Amount precision: accurate to the yuan, with no ambiguity (blocking)
- Matching with revenue: application amount/annual revenue ≤ the upper limit in the product policy (supplement recommended)
Purpose verification (4 items):
- Purpose not empty: it cannot be empty or written with vague descriptions such as "working capital" (blocking)
- Purpose compliance: must not be used for prohibited areas such as the stock market, real estate, wealth management products, or illegal fundraising (blocking, triggers I3 veto)
- Purpose matches the product: working capital loans must be used for business turnover, and fixed asset loans must be used for project construction (blocking)
- Repayment source: the primary repayment source and secondary repayment source must be specified (supplement recommended)
Term verification (3 items):
- Term range: must be within the term allowed by the product policy (blocking)
- Matching with purpose: working capital loan terms are generally ≤1 year, and fixed asset loan terms match the project cycle (supplement recommended)
- Repayment plan: there must be an installment repayment plan or an explanation of one-time repayment at maturity (supplement recommended)

📋 Data source:context(credit application) 📋 Executing entity:ai ⚠️ Mandatory instruction: the purpose compliance check must not be skipped; it must be verified item by item against the prohibited areas list

Step 4: Veto condition check

Check the I1-I6 veto conditions; once triggered, terminate immediately and directly determine "entry prohibited."

Check the veto conditions item by item (6 items):
- I1: The enterprise's business license has expired or been revoked, or the unified social credit code cannot be verified
- I2: The legal representative's ID card has expired or its authenticity cannot be verified
- I3: The fund purpose clearly points to prohibited areas (stock market, real estate speculation, wealth management products, illegal fundraising, gambling, etc.)
- I4: The credit authorization letter is missing or the authorization scope is insufficient, making it impossible to legally obtain the credit report
- I5: The enterprise has been included in the list of enterprises with abnormal operations or the list of seriously illegal and dishonest entities, and has not been removed
- I6: The application materials show obvious signs of forgery (such as abnormal seals, nonconforming document formats, or contradictory data)
If any condition is triggered, immediately stop the subsequent process, output the conclusion "Prohibited from submission", and mark the triggering condition in red at the top of the report.
If none are triggered, continue to Step 5.

📋 Data sources:system_api(Business registration data interface, identity verification system, credit reporting system) 📋 Executing entity:ai 📋 Confirmation mechanism:approve(High risk; triggering a veto requires manual confirmation) ⚠️ Gating step: if this step is not passed, the next step must not be entered.

✅ Not triggered → Proceed to Step 5

❌ Triggered I1-I6 → Stop immediately, output the conclusion "Prohibited from submission", and mark the triggering condition

Step 5: Generate the submission review report

Summarize the validation results of the five steps and output a structured report.

Summarize validation results:
- Customer basic information validation (10 items)
- Application material completeness (6 required items + 5 recommended items + 5 supplementary items)
- Application amount and purpose validation (11 items)
- Veto condition check (6 items)
Generate a summary of missing items and supplementary guidance (blocking items/recommended supplementary items/informational items)
Calculate the submission conclusion:
- ⛔ Cannot be submitted: blocking items > 0 or a veto is triggered
- ⚠️ Can be submitted (supplement within a deadline): blocking items = 0 and recommended items > 0
- ✅ Materials complete: all passed
Output a structured report (using the Output Format template)

📋 Data sources:context(Validation results of Steps 1-4) 📋 Executing entity:ai ⚠️ Mandatory instruction: Do not omit any validation item; all must be covered.

Constraints

Regulatory basis: "Measures for the Administration of Commercial Bank Loan Business" (CBRC Order No. 2 of 2010) — loan application and acceptance "Guidelines for Due Diligence in Commercial Bank Credit Granting" (Yin Jian Fa [2004] No. 51) — completeness requirements for credit application materials "Regulations on the Administration of the Credit Reporting Industry" — credit reporting inquiries must obtain written authorization Bank internal credit business operating procedures — specific submission material standards

No downgrading of blocking-level items: Missing items marked as "blocking" must be fully supplemented before entering the review process; no exceptions may be granted.
Information consistency: Customer basic information must be compared word by word with official certificates such as business licenses and identity documents; any inconsistency must be marked.
Authorization compliance: The credit reporting authorization letter must be a scanned copy of the original; the authorization scope must cover this credit inquiry; copies/expired authorizations are invalid.
Amount reasonableness: The application amount must be within the product policy range, and the purpose must be specific and clear (vague descriptions such as "working capital" must not be used).
Timeliness: Certificates such as business licenses and identity cards must be within their validity period; for financial statements, audited annual statements shall be used preferentially.
No skipping steps: Step 0 (data confirmation) and Step 4 (veto condition check) must not be skipped; the complete process must be executed.
Mandatory enforcement of red lines: If any veto condition (I1-I6) is triggered, the subsequent process must be stopped immediately, the conclusion "Prohibited from submission" must be output, and it must not be ignored because "the customer has good qualifications".

Audit Trail

Each submission review must generate an audit log recording information such as the operator, steps, data sources, confirmation mechanism, and time spent.

Audit log format:

{
  "skill_name": "credit-case-intake-check",
  "skill_version": "2.0.0",
  "execution_time": "2026-05-05T14:00:00+08:00",
  "customer_name": "[客户名称]",
  "case_id": "[案件编号]",
  "operator": "[操作人姓名]",
  "steps": [
    {
      "step": "步骤0:数据确认与验证",
      "executor": "ai",
      "data_source": {"type": "user_upload"},
      "confirmation": "none",
      "result": "pass",
      "duration_seconds": 5
    },
    {
      "step": "步骤1:客户基本信息有效性校验",
      "executor": "ai",
      "data_source": {"type": "system_api", "systems": ["ECIF系统", "工商数据接口", "身份核验系统"]},
      "confirmation": "none",
      "result": "pass",
      "duration_seconds": 30
    },
    {
      "step": "步骤2:申请材料完整性检查",
      "executor": "ai",
      "data_source": {"type": "system_api", "systems": ["信贷系统影像档案"]},
      "confirmation": "none",
      "result": "pass",
      "duration_seconds": 45
    },
    {
      "step": "步骤3:申请金额与用途合理性校验",
      "executor": "ai",
      "data_source": {"type": "context"},
      "confirmation": "none",
      "result": "pass",
      "duration_seconds": 20
    },
    {
      "step": "步骤4:一票否决条件检查",
      "executor": "ai",
      "data_source": {"type": "system_api", "systems": ["工商数据接口", "身份核验系统", "征信系统"]},
      "confirmation": "approve",
      "result": "pass",
      "duration_seconds": 25
    },
    {
      "step": "步骤5:生成进件检查报告",
      "executor": "ai",
      "data_source": {"type": "context"},
      "confirmation": "none",
      "result": "pass",
      "duration_seconds": 15
    }
  ],
  "intake_result": "可进件/不可进件/禁止进件",
  "blocking_items_count": 0,
  "veto_triggered": false,
  "total_duration_seconds": 140
}

Audit log retention period: At least 3 years, kept in sync with the credit case file.

Gotchas

#1: Lax information consistency verification leading to subsequent disputes

Symptom: During intake inspection, there was a subtle discrepancy between the enterprise name and the business license (e.g., full-width vs. half-width parentheses, "有限公司" vs. "有限责任公司"), which was not detected and was later rejected during the approval stage.
Cause: The verification only performed fuzzy matching and did not compare character by character.
Solution: Step 1 must compare the enterprise name character by character (including parentheses, "有限公司", and other suffixes); any discrepancy must be flagged.

#2: Sufficient quantity of materials but substandard content quality

Symptom: The client submitted "financial statements", but only provided 1 year of unaudited statements; intake inspection marked them as "submitted", and the subsequent review stage found that they could not meet the analysis requirements.
Cause: Only the existence of the materials was checked, not the substantive content (number of years, audit status, report type).
Solution: Step 2 must verify the validity of the materials (business license validity period, ID card validity period, financial statement years + audit status, scope of authorization in the credit authorization letter).

#3: Omission of use compliance check leading to non-compliant disbursement

Symptom: The client's stated purpose of application was "investment"; intake inspection did not identify any abnormality, and it was later discovered that the funds actually flowed into the stock market.
Cause: The prohibited fields checklist was not checked item by item; "investment" is a vague description, and the client was not required to specify the exact investment target.
Solution: Step 3 must check use compliance; funds must not be used in prohibited fields such as the stock market, real estate, wealth management products, or illegal fundraising; the use description must not be a general description such as "working capital" and must be specific to the business scenario.

#4: One-vote veto triggered but process not terminated immediately

Symptom: The business license had expired (I1 triggered), but intake inspection continued to execute subsequent steps and ultimately output "acceptable for intake (supplement within a deadline)", violating the one-vote veto rule.
Cause: The Step 4 one-vote veto check was not set as a gating step, and it did not stop immediately upon triggering.
Solution: Step 4 must be marked as a gating step; if any of conditions I1-I6 is triggered, immediately stop the subsequent process, output the conclusion "prohibited from intake", and mark the triggering condition in red at the top of the report.

Examples

Example 1: Intake inspection for a new client's first credit extension

User input:

帮我检查一下这个进件材料:客户XX机械制造有限公司,案件编号CASE-2026-001,申请流动资金贷款5000万元,已提交授信申请书、营业执照、法定代表人身份证、2024年经审计年报、征信授权书。

Skill execution flow:

Step 0: Data confirmation → Extract client name, case number, product name, application amount, and material checklist (5 items)
Step 1: Client basic information verification → 10 fields verified (✅ passed / ❌ failed)
Step 2: Application material completeness check → 6 required materials, missing "Articles of Association" (❌ blocking)
Step 3: Application amount and use verification → amount range check, use compliance check
Step 4: One-vote veto conditions check → none of I1-I6 triggered (✅ passed)
Step 5: Generate intake inspection report → blocking items = 1 (Articles of Association), conclusion: ⛔ not acceptable for intake

Output points:

Core conclusion: missing required material "Articles of Association", not acceptable for intake
Missing item: Articles of Association (blocking level, intake may proceed only after supplementation)
Supplementary guidance: need the latest Articles of Association, including clauses on the authority of the shareholders' meeting/board of directors, and contact the client to request it

Example 2: Expired business license triggers a one-vote veto

User input:

检查进件:XX制造有限公司,CASE-2026-012,流动资金贷款5000万元,营业执照已过期,其他材料齐全。

Skill execution process:

Step 0: Data confirmation → Extract customer name, case number, product name, application amount, and material list
Step 1: Verification of basic customer information → Verification of enterprise name and unified social credit code
Step 2: Check completeness of application materials → All 6 required materials have been submitted
Step 3: Verification of application amount and purpose → Amount range check
Step 4: Check one-vote veto conditions → I1 triggered (business license has expired), stop immediately
Output the conclusion "application prohibited", and mark 【One-Vote Veto-I1】 in red at the top of the report

Output key points:

Core conclusion: One-Vote Veto-I1 triggered (business license has expired), application prohibited
Trigger condition: The enterprise's business license has expired
Handling measure: The customer must first renew the business license and resubmit before the application can proceed

Non-functional scope (Out of Scope)

This Skill does not handle the following scenarios:

Post-loan management: Risk monitoring after credit issuance, risk classification adjustment, and disposal of non-performing assets (please use the post-loan management related Skill)
Credit approval decision: Substantive risk judgment, credit limit determination, and interest rate pricing (please use the credit-approval Skill)
General compliance consultation without specific case background: Only asking "what materials are needed for application" but without specific customer and case information (please provide specific case information before calling again)
Material authenticity verification: This Skill only conducts formal review (whether materials exist and are valid) and does not verify the authenticity of materials (authenticity verification is handled in the due diligence process)
Ultra vires suggestions: This Skill only outputs material completeness check results and does not provide approval decision suggestions such as "recommend approval" or "recommend rejection"

If the user requests the above content, clearly inform them and suggest appropriate tools or contacting the credit approval department.

Quality requirements

Accurate material classification: Each material must be correctly classified as required/recommended/supplementary, and must not be arbitrarily downgraded
Full coverage of verification rules: 10 items of basic customer information + 6 required materials + 5 recommended materials + 5 supplementary materials + 11 amount and purpose items must all be covered
One-vote veto prioritized: I1-I6 must be checked first in Step 4, and once triggered, terminate immediately
Specific supplementary guidance: For each missing item, provide three-level guidance on "what is needed, why it is needed, and where to obtain it"
Information consistency check: The enterprise name, legal representative, and unified social credit code must be compared word by word with official certificates and licenses
Timeliness annotation: The validity periods of certificates and licenses such as business licenses and ID cards must be annotated in the report
Do not fabricate data: For material statuses that cannot be obtained, mark them as "not obtained" and do not infer them as "submitted" or "missing"
Version traceability: The application check report must be saved to the case file to support subsequent audit retrieval

Typical application scenarios

Scenario	Check focus
First credit application for a new customer	Comprehensively cover all verification items, with focus on subject qualification and required materials
Additional credit application from existing customer	Focus on newly added materials (such as the latest financial statements and latest credit authorization); historical materials can be reused within their validity period
Self-service application via online channel	Primarily automated verification, with focus on checking the accuracy of ID card OCR recognition and the completeness of signatures on the authorization letter
Re-verification after materials are completed	Only verify the items missing last time, confirm the validity of the supplementary materials, and generate a re-verification report
Cross-product conversion application	Re-verify the mandatory materials specific to the new product (such as the project approval for a fixed asset loan)

Input Parameter Description

Parameter	Level	Description
Customer Name/ID	Required	Used to associate customer information and historical cases
Case Number	Required	Used to identify this credit application
Target Product Name/Code	Required	Determines the material checklist standards and amount range rules
Application Amount	Required	Used for amount reasonableness verification
Application Material Checklist	Required	List of materials already uploaded in the system
Operation Mode	Recommended	Initial check / Re-verification after materials are completed / Cross-product conversion
Historical Case Reference	Optional	Recent credit cases for the same customer; valid materials can be reused