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/treasury-management-master — Treasury Management Master Process
Complete Treasury Management Process
Step 1：资金日报（每日监控）
→ 执行 daily-cash-position
→ 核查账户余额 + 数据一致性 + 异常识别
Step 2：资金预测（周度分析）
→ 执行 fund-forecast
→ 预测短期/中期资金缺口
Step 3: Payment authorization review (real-time/periodic) → Execute payment-authorization-review → Review large/abnormal payments
Step 4: Comprehensive risk assessment → Consolidate issues found in Steps 1-3 → Assess overall treasury risk
Step 5: Financing/response planning → Develop gap response plans → Plan credit line usage → Output to-do list
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## 第一步：资金日报
**执行 Skill：** `daily-cash-position`
□ Execution status: [Success/Failure/Partial success]
□ Total balance: [XXX ten-thousand] □ vs yesterday's change: [±XXX ten-thousand] ([±X%])
□ Data consistency: [✅ Normal / ⚠️ [X] discrepancies] □ Balance anomalies: [✅ None / ⚠️ [X] items of concern / 🔴 [X] urgent items] □ Payment anomalies: [✅ None / ⚠️ [X] items pending verification]
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## 第二步：资金预测
**执行 Skill：** `fund-forecast`
□ Execution status: [Success/Failure/Partial success]
□ Short-term ([X] days) forecast:
- Expected net inflow: [±XXX ten-thousand]
- Expected ending balance: [XXX ten-thousand]
- Gap risk: [✅ None / ⚠️ Medium / 🔴 High]
□ Medium-term ([X] months) forecast:
- Expected net inflow: [±XXX ten-thousand]
- Expected ending balance: [XXX ten-thousand]
- Month with largest gap: [Month]
- Gap amount: [XXX ten-thousand]
□ Sensitivity analysis:
- Optimistic scenario: [XXX ten-thousand] (no gap)
- Base scenario: [XXX ten-thousand] ([with/without] gap)
- Pessimistic scenario: [XXX ten-thousand] ([with/without] gap)
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## 第三步：付款授权审核汇总
**执行 Skill：** `payment-authorization-review`
□ Payments reviewed this period: [X] transactions, [XXX ten-thousand]
□ Authorized execution: [X] transactions, [XXX ten-thousand] □ Conditional authorization: [X] transactions, [XXX ten-thousand] □ Payment suspended: [X] transactions, [XXX ten-thousand] □ Payment rejected: [X] transactions, [XXX ten-thousand]
□ Risk items: □ High-risk payments: [X] items □ First-time cooperation with new suppliers: [X] items □ High prepayment ratio: [X] items □ Requires additional attention: [X] items
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## 第四步：综合风险评估
**跨维度综合分析：**
Overall treasury risk level: [✅ Low / ⚠️ Medium / 🔴 High]
Daily risk: □ Account balance: [✅ Normal / ⚠️ Tight / 🔴 Strained] □ Data consistency: [✅ Normal / ⚠️ Discrepancies] □ Anomaly identification: [✅ None / ⚠️ [X] items of concern]
Weekly risk: □ Short-term gap: [✅ None / ⚠️ Medium risk / 🔴 High risk] □ Medium-term gap: [✅ None / ⚠️ Medium risk / 🔴 High risk]
Payment risk: □ Large payments: [✅ Normal / ⚠️ [X] risk items] □ Abnormal payments: [✅ None / ⚠️ [X] items]
Comprehensive diagnosis: □ 🔴 High-risk items: [Description] — must be handled immediately □ ⚠️ Items of concern: [Description] — must be followed up □ ✅ Normal items: [Description] — keep monitoring
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## 第五步：生成资金管理综合报告
═══════════════════════════════════════ Fund Management Report Reporting Period: [Daily/Weekly/Monthly] As of Date: [YYYY-MM-DD] Report Date: [YYYY-MM-DD] ═══════════════════════════════════════
【Core Conclusions】
Overall Fund Risk Level: [✅Low / ⚠️Medium / 🔴High]
□ Fund Status: [One-sentence summary] □ Main Risks: [One-sentence summary] □ Attention Required: [One-sentence summary]
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
【I. Fund Balance Overview】
□ Total Balance: [XXX ten thousand] □ vs Previous Period: [±XXX ten thousand] ([±X%]) □ Daily Average Balance: [XXX ten thousand]
□ Balances by Account: □ [Account A]: [XXX ten thousand] ([Proportion]) □ [Account B]: [XXX ten thousand] ([Proportion]) □ [Account C]: [XXX ten thousand] ([Proportion])
【II. Fund Forecast Overview】
□ Short Term ([X] days): □ Expected Receipts: [XXX ten thousand] □ Expected Payments: [XXX ten thousand] □ Expected Net Inflow: [±XXX ten thousand] □ Ending Balance: [XXX ten thousand]
□ Gap Risk: [✅ None / ⚠️ Medium / 🔴 High]
□ Medium Term ([X] months): □ Expected Net Inflow: [±XXX ten thousand] □ Ending Balance: [XXX ten thousand] □ Maximum Gap: [XXX ten thousand] ([Month])
□ Gap Risk: [✅ None / ⚠️ Medium / 🔴 High]
【III. Payment Authorization Review Summary】
□ Payments Reviewed This Period: [X] transactions, [XXX ten thousand]
Authorization Status: □ ✅ Authorized for Execution: [X] transactions, [XXX ten thousand] □ ⚠️ Conditional Authorization: [X] transactions, [XXX ten thousand] □ 🔴 Payment Suspended: [X] transactions, [XXX ten thousand] □ 🔴 Payment Rejected: [X] transactions, [XXX ten thousand]
Major Risk Items: □ [Risk Item A]: [Description] — [Handled/In Progress] □ [Risk Item B]: [Description] — [Handled/In Progress]
【IV. Comprehensive Risk Assessment】
□ Daily Risk: [✅ Low / ⚠️ Medium / 🔴 High] □ Weekly Risk: [✅ Low / ⚠️ Medium / 🔴 High] □ Payment Risk: [✅ Low / ⚠️ Medium / 🔴 High]
□ Overall Risk Level: [✅Low / ⚠️Medium / 🔴High]
【V. Credit Utilization】
□ Total Credit Limit: [XXX ten thousand] □ Used: [XXX ten thousand] ([X%]) □ Available: [XXX ten thousand] ([X%])
□ Credit Health: [✅ Sufficient / ⚠️ Tight / 🔴 Stressed]
□ Credit Expiring Soon: [X] ten thousand ([Date])
【VI. To-Do Items】
□ High Priority (within [X] days): □ [To-Do A] — Responsible Person [X] — Due Date [YYYY-MM-DD] □ [To-Do B] — Responsible Person [X] — Due Date [YYYY-MM-DD]
□ Medium Priority (within this week): □ [To-Do C] — Responsible Person [X] — Due Date [YYYY-MM-DD]
□ Ongoing Follow-Up: □ [To-Do D] — Responsible Person [X] — Due Date [YYYY-MM-DD]
【VII. Next Period Forecast and Key Milestones】
□ Estimated Balance Next Period: [XXX ten thousand] □ Key Milestone: [Date A] — Estimated Balance [XXX ten thousand] — Attention Required [Reason] □ Key Milestone: [Date B] — Estimated Balance [XXX ten thousand] — Attention Required [Reason]
═══════════════════════════════════════ Prepared by: [Treasury Specialist/Treasury Manager] Reviewed by: [Treasury Director] Approved by: [CFO — based on risk level] ═══════════════════════════════════════
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## Examples
→ 示例：用户说"今天的资金日报出来了，帮我审阅一下各账户余额有没有异常"，系统应调用本技能，执行资金日报步骤。
→ 示例：用户说"下个季度有大笔 Capex 支出，需要做个资金预测看看缺口有多大"，系统应调用本技能，执行资金预测步骤。
→ 示例：用户说"有一笔 500 万的付款超过了部门审批权限，需要紧急审核"，系统应调用本技能，执行付款授权审核步骤。
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## 升级触发条件
- 整体风险等级 = 🔴 高
- 预测出现缺口 > [X] 万
- 账户余额 < [X] 万
- 授信使用率 > [X]%
- 高风险付款连续出现
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*Finance Skills — treasury-management-master atomic skill*