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On first use: Read ../../CLAUDE.md to obtain scenario-level configuration (investment evaluation standards/financing management principles/escalation matrix).
/investment-management-master — Investment and Financing Management Master Process
Complete Analysis Process
Step 1：投资组合复盘（投资健康度）
→ 执行 investment-portfolio-review
→ 识别浮盈/浮亏异常
Step 2：融资成本分析（融资效率）
→ 执行 financing-cost-analysis
→ 分析融资成本结构
Step 3: Liquidity Assessment (Safety Assurance) → Execute liquidity-assessment → Assess liquidity risk
Step 4: Comprehensive Risk Assessment → Synthesize issues found in Steps 1-3 → Assess overall risk level
Step 5: Improvement Recommendations and To-Dos → Propose investment and financing optimization recommendations → Output to-do list
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## 第一步：投资组合复盘
**执行 Skill：** `investment-portfolio-review`
□ Execution status: [Success/Failure/Partial success]
□ Investment projects: [X] □ Investment cost: [XXX ten thousand] □ Unrealized gain/loss: [±XXX ten thousand] ([±X%])
□ 🔴 Projects requiring attention: [X] □ ⚠️ Risk exposure over limit: [Yes/No]
---
## 第二步：融资成本分析
**执行 Skill：** `financing-cost-analysis`
□ Execution status: [Success/Failure/Partial success]
□ Total financing: [XXX ten thousand] □ Comprehensive financing cost: [X]% (target < [X]%) □ Financing cost assessment: [✅ Meets target / 🔴 Exceeds target]
□ Credit utilization rate: [X%] (target < [X]%) □ Maturity risk: [✅ Controllable / ⚠️ Tight / 🔴 High risk]
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## 第三步：流动性评估
**执行 Skill：** `liquidity-assessment`
□ Execution status: [Success/Failure/Partial success]
□ Months available: [X] months (safe > [X] months) □ Current ratio: [X] (safe > [X]) □ Liquidity risk level: [Low/Medium/High/Extremely high]
□ Warning triggered: [Yes/No] □ Escalation required: [Yes/No]
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## 第四步：综合风险评估
**跨维度综合分析：**
Overall risk level: [🔴 Extremely high / ⚠️ High / ⚠️ Medium / ✅ Low]
Investment risk: □ Projects at a loss: [X], total [-XXX ten thousand] □ Industry concentration: [✅ Compliant / ⚠️ Somewhat concentrated / 🔴 Over limit] □ Escalation to CFO required: [Yes/No]
Financing risk: □ Financing cost: [✅ Meets target / ⚠️ Somewhat high / 🔴 Exceeds target] □ Credit utilization rate: [✅ Reasonable / ⚠️ Somewhat high / 🔴 Tight] □ Maturity concentration: [✅ Diversified / ⚠️ Somewhat concentrated / 🔴 Concentrated]
Liquidity risk: □ Months available: [✅ Safe / ⚠️ Tight / 🔴 Dangerous] □ Current ratio: [✅ Healthy / ⚠️ Low / 🔴 Dangerous]
Comprehensive diagnosis: □ 🔴 Extremely high risk (must escalate immediately):
- [Description]
- Response plan: [...]
□ ⚠️ High risk (requires key attention):
- [Description]
- Response plan: [...]
□ ✅ Normal (maintain monitoring):
- [Description]
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## 第五步：生成投融资管理综合报告
═══════════════════════════════════════ Investment and Financing Management Report Reporting period: [YYYY Q1-Q4] Report date: [YYYY-MM-DD] ═══════════════════════════════════════
[Core Conclusions]
Overall risk level: [🔴 Extremely high / ⚠️ High / ⚠️ Medium / ✅ Low]
□ Investment performance: [one-sentence summary] □ Financing status: [one-sentence summary] □ Liquidity status: [one-sentence summary]
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
[I. Investment Portfolio Overview]
□ Total number of investment projects: [X] □ Total investment cost: [XXX ten thousand] □ Book value: [XXX ten thousand] □ Unrealized gain/unrealized loss: [±XXX ten thousand] ([±X%])
□ Projects with unrealized gains: [X] ([+XXX ten thousand]) □ Projects with unrealized losses: [X] ([-XXX ten thousand])
□ Industry diversification: [✅ Compliant / ⚠️ Somewhat concentrated / 🔴 Over limit] □ Geographic diversification: [✅ Compliant / ⚠️ Somewhat concentrated / 🔴 Over limit]
[II. Financing Status Overview]
□ Total financing amount: [XXX ten thousand] □ Comprehensive financing cost: [X]% (target < [X]%) □ Financing cost assessment: [✅ Meets standard / 🔴 Exceeds standard]
□ Total credit line: [XXX ten thousand] □ Used: [XXX ten thousand] ([X%]) □ Available: [XXX ten thousand] ([X%])
□ Maturing in the next [X] months: [XXX ten thousand] □ Maturity risk: [✅ Controllable / ⚠️ Somewhat tight / 🔴 High risk]
[III. Liquidity Status]
□ Cash and equivalents: [XXX ten thousand] □ Months of availability: [X] months (safe > [X] months) □ Current ratio: [X] (safe > [X]) □ Liquidity risk: [✅ Healthy / ⚠️ Somewhat tight / 🔴 Dangerous]
□ Credit health: [✅ Sufficient / ⚠️ Somewhat tight / 🔴 Tight]
[IV. Comprehensive Risk Assessment]
□ Investment risk: [✅ Low / ⚠️ Medium / 🔴 High] □ Financing risk: [✅ Low / ⚠️ Medium / 🔴 High] □ Liquidity risk: [✅ Low / ⚠️ Medium / 🔴 High]
□ Overall risk level: [🔴 Extremely high / ⚠️ High / ⚠️ Medium / ✅ Low]
[V. Matters Requiring Attention]
🔴 Extremely high-risk items: □ [Item 1] — Impact: [...] — Response: [...] □ [Item 2] — Impact: [...] — Response: [...]
⚠️ High-risk items: □ [Item 1] — Impact: [...] — Response: [...] □ [Item 2] — Impact: [...] — Response: [...]
[VI. Optimization Suggestions]
□ Investment optimization:
- [Suggestion 1] — Expected effect [description]
- [Suggestion 2] — Expected effect [description]
□ Financing optimization:
- [Suggestion 1] — Expected savings [XXX ten thousand]/year
- [Suggestion 2] — Expected savings [XXX ten thousand]/year
□ Liquidity optimization:
- [Suggestion 1] — Expected improvement [description]
- [Suggestion 2] — Expected improvement [description]
[VII. To-Do List]
□ High priority (within this month):
- [To-do 1] — Owner: [X] — Completion date: [X]
- [To-do 2] — Owner: [X] — Completion date: [X]
□ Medium priority (within the quarter):
- [To-do 3] — Owner: [X] — Completion date: [X]
□ Next assessment date: [YYYY-MM-DD]
═══════════════════════════════════════ Prepared by: [Investment Manager/Finance Manager] Reviewed by: [CFO] Approved by: [CEO/Board of Directors — based on risk level] ═══════════════════════════════════════
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## 升级触发条件
- 整体风险等级 = 🔴 极高
- 流动性风险等级 = 🔴 极高
- 单一项目浮亏 > [X] 万
- 综合融资成本 > [X]%
- 可用月数 < [X] 个月
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*Finance Skills — investment-management-master atomic skill*