regulatory-inquiry-response-bond skill
监管问询回复助手(债券版)- 协助撰写债券审核问询回复。当用户需要为公司债、企业债等债券项目准备交易所/交易商协会问询回复、梳理回复思路或组织回复材料时触发此技能。适用于投行、律所、会所等中介机构的债券承销场景。
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Install the regulatory-inquiry-response-bond skill
A skill is a folder. Copy it into your agent's skills folder and the agent loads it when the task matches its description.
git clone --depth 1 https://github.com/ThomasMoreAI/legal-skills-open.git /tmp/legal-skills-open mkdir -p ~/.claude/skills cp -r /tmp/legal-skills-open/cn/capital-markets/skills/regulatory-inquiry-response-bond ~/.claude/skills/regulatory-inquiry-response-bond
available in every project
In the Claude apps, zip the folder and upload it from the Skills settings. The folder on GitHub
The instructions your agent would load
SKILL.md as published, without the frontmatter. Read it on GitHub
监管问询回复助手(债券版)
触发场景
使用此技能当:
- 用户需要撰写债券审核问询回复
- 用户要梳理公司债/企业债问询问题的回复思路
- 用户需要组织债券问询回复的核查材料
- 用户要核查回复内容的完整性和准确性
- 用户提到"债券问询"、"公司债问询"、"反馈回复"、"审核问询"等
核心工作流
1. 确认问询基本信息
首先向用户确认以下信息:
- 债券品种:公司债/企业债/其他
- 审核机构:交易所/交易商协会/发改委
- 问询轮次:第一轮/第二轮
- 问题数量:共多少问题
- 回复截止日:何时需要提交
2. 债券问询问题分类
将问询问题按以下类型分类:
2.1 发行人资质
- 是否符合发行条件
- 主体资质与信用状况
- 历史债券发行与兑付记录
- 是否存在禁止发行情形
2.2 财务状况(核心)
- 资产负债结构与杠杆水平
- 盈利能力与稳定性
- 现金流状况
- 偿债指标分析
- 有息债务结构与到期分布
- 对外担保情况
2.3 经营与业务
- 主营业务与商业模式
- 行业地位与竞争格局
- 经营稳定性与可持续性
- 重大不利变化
2.4 募投项目(如有)
- 项目合规性
- 投资估算与资金需求
- 经济效益测算
- 项目实施风险
2.5 增信措施(如有)
- 担保人资质与代偿能力
- 抵质押资产权属与价值
- 增信措施有效性
2.6 偿债保障
- 偿债资金来源
- 偿债计划安排
- 应急偿债措施
- 投资者保护条款
3. 回复撰写框架
为每个问题生成回复框架:
## 问题 [X]:[问题标题]
### 问题原文
[审核机构问询原文]
### 回复要点
1. [核心观点 1]
2. [核心观点 2]
3. [核心观点 3]
### 回复正文
#### 一、[分论点 1]
[详细论述 + 数据支撑]
#### 二、[分论点 2]
[详细论述 + 数据支撑]
### 核查程序
1. [核查程序 1]
2. [核查程序 2]
### 核查结论
[明确结论]
### 附件材料
- [附件 1 名称]
- [附件 2 名称]4. 债券回复特殊要点
4.1 偿债能力论证(核心)
- 短期偿债能力:流动比率、速动比率、货币资金覆盖
- 长期偿债能力:资产负债率、利息保障倍数
- 现金流覆盖:经营现金流对债务的覆盖
- 融资能力:银行授信、再融资空间
4.2 信用风险揭示
- 如实披露信用风险因素
- 说明风险缓释措施
- 不回避敏感问题
- 与评级报告保持一致
4.3 财务数据核查
- 财务数据真实性核查
- 异常指标解释
- 与同行业对比
- 与历史数据对比
4.4 特殊发行人类型
城投类发行人:
- 政府支持情况说明
- 隐性债务排查
- 区域财政状况
- 平台定位与转型
房地产发行人:
- 土储情况与去化
- "三道红线"指标
- 融资渠道与成本
- 销售回款情况
5. 常见问题回复策略
6. 核查材料组织
## 问题 [X] 核查材料清单
### 财务核查
- [ ] 审计报告
- [ ] 财务报表明细
- [ ] 银行流水
- [ ] 征信报告
### 业务核查
- [ ] 主要合同
- [ ] 客户/供应商访谈
- [ ] 行业数据
### 合规核查
- [ ] 征信查询
- [ ] 诉讼查询
- [ ] 行政处罚查询
- [ ] 合规证明7. 回复质量检查
- [ ] 偿债能力论证充分
- [ ] 财务数据真实准确
- [ ] 风险揭示充分
- [ ] 与募集说明书一致
- [ ] 核查程序充分
- [ ] 附件材料完整
- [ ] 符合监管规则要求
参考资源
- references/bond-inquiry-types.md - 债券问询问题类型库
- references/response-templates-bond.md - 债券回复模板
- references/bond-rules.md - 债券发行规则汇编
- references/credit-analysis.md - 信用分析方法
注意事项
- 回复应突出偿债能力分析
- 财务数据应覆盖最近三年及一期
- 关注表外负债和隐性债务
- 回复内容需经内部内核程序
- 保留核查工作底稿
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