financing-structure-master

Financing Structure Master Skill

Capability Description

What this is: The master skill for financing structure scenarios, integrating financing cost analysis, credit rating management, financing channel maintenance, and financing scheme design, providing CFOs and treasury teams with complete financing structure management capabilities.

What problem it solves: When users need to analyze financing costs, manage credit ratings, maintain bank relationships, or design new financing schemes, this skill is invoked to obtain a complete financing structure management solution.

Boundaries: Does not involve specific investment decisions; focuses on structure design and cost management on the financing side.

Trigger Conditions

Invoke this skill when any of the following scenarios is met:

The user mentions "financing cost", "credit rating", "credit line", "financing channel"
The user mentions "WACC", "debt structure", "bank relationship"
The user requests "analyze financing cost", "manage rating", "design financing scheme"

Examples

→ Example: The user says "The subsidiary wants to issue USD bonds overseas; help me evaluate the financing cost and exchange rate risk." The system should invoke this skill and enter the financing scheme design path.

→ Example: The user says "The rating agency just downgraded our rating; the CFO requires an analysis of the impact on existing debt." The system should invoke this skill and enter the rating management path.

→ Example: The user says "The bank's credit line to us expires next month; we need to prepare materials for renewing the credit line." The system should invoke this skill and enter the channel maintenance path.

Input

□ 场景类型：[成本分析/评级管理/渠道维护/方案设计]
□ 融资工具类型：[银行贷款/债券/租赁/其他]
□ 涉及金额：[X] 万
□ 期限：[X] 年
□ 已获取信息：[描述]

Atomic Capability Invocation Order

路径一：融资成本分析
Step 1 → [融资成本核算]（financing-cost-calculation）
  → 输出：成本分析报告

Step 2 → [评级变动追踪]（rating-change-tracking）
  → 输出：评级状态

Step 3 → [融资渠道评估]（financing-channel-assessment）
  → 输出：渠道对比

Step 4 → 汇总输出融资成本分析报告

路径二：融资方案设计
Step 1 → [融资需求测算]（financing-need-assessment）
  → 输出：融资需求

Step 2 → [融资工具选择]（financing-instrument-selection）
  → 输出：工具建议

Step 3 → [融资成本核算]（financing-cost-calculation）
  → 输出：成本测算

Step 4 → [融资渠道维护]（financing-channel-maintenance）
  → 输出：渠道关系

Step 5 → 汇总输出融资方案建议

Output Format

融资结构管理报告
====================

【融资概览】
□ 现有融资总额：[X] 亿
□ 加权平均成本：[X%]
□ 授信总额：[X] 亿
□ 可用额度：[X] 亿

【融资明细】
| 工具 | 金额 | 利率 | 到期日 | 成本 |
|---|---|---|---|---|
| [类型] | [X]亿 | [X%] | [YYYY] | [X%] |

【成本分析】
□ 当前 WACC：[X%]
□ 债务成本：[X%]
□ 股权成本：[X%]
□ 成本变化：[±X bp]

【评级状态】（如有变化）
□ 最新评级：[AAA/AA/A]
□ 评级机构：[名称]
□ 评级变动：[上调/维持/下调] — 原因 [描述]

【融资方案建议】（如有）
□ 建议工具：[描述]
□ 建议规模：[X] 亿
□ 预计成本：[X%]
□ 实施路径：[描述]

【银行关系】
□ 合作银行：[X] 家
□ 主结算银行：[名称]
□ 须关注事项：[描述]

Escalation Conditions

Escalate immediately when any of the following conditions is met:

Financing cost increase > [X] bp → CFO approval
Credit rating downgrade → immediately escalate to CEO/CFO
New financing channel required → CFO + CEO approval

Atomic Skill List

Atomic Skill	Purpose
financing-cost-calculation	Financing Cost Calculation
rating-change-tracking	Credit Rating Change Tracking
financing-channel-assessment	Financing Channel Evaluation
financing-need-assessment	Financing Demand Estimation
financing-instrument-selection	Financing Instrument Selection
financing-channel-maintenance	Financing Channel Maintenance

Finance Skills — financing-structure master skill