信贷档案完整性代理

概览

价值

功能说明

• 一次请求，而不是四次

  一次性找出所有缺失项。先后追问是放贷运营中最大的一项可控延误。

• 抓住「在场却过期」的文件

  超出政策允许期限的评估报告会让框打上勾，却会在档案复核中被打回，而那时钱已经放出去了。

• 按你的政策检查，而不是按通用清单

  要求因产品、金额、担保和借款人类型而不同。它读的是你的那一套。

• 检查内部一致性

  同一个数字在两份文件里不一样——这是提交前要澄清的疑问。

• 指出哪些是条件性的

  只有在另一件事成立时才需要的文件，而通用清单永远栽在这里。

• 不作任何信用评估

  没有评分、不对借款人持看法、不建议放贷或拒贷。它检查的是档案，不是人。

这会改变什么

运行方式

该智能体通过 PROMIVO 运行时在服务器端运行。每次运行都会逐步记录，每次工具调用在执行前都会进行权限检查。

1. 1输入按智能体的输入结构进行校验
2. 2模型claude-opus-5，并自动回退
3. 3工具search_knowledge, extract_structured_data
4. 4权限自动执行 READ 级操作；更高的等待你批准
5. 5输出符合输出结构的结构化结果
6. 6日志记录 token、耗时和每一个步骤

演示

演示数据Illustrative sample output, abridged.

{
  "amount": 1400000,
  "product": "Commercial mortgage",
  "documents": [],
  "borrowerType": "Limited company",
  "securityType": "Commercial property",
  "fileReference": "FIL-20418",
  "expectedDrawdown": "2026-10-15"
}

{
  "missing": [
    "Environmental screening report — required for commercial property security and not present in any form.",
    "Identification for the second director."
  ],
  "escalate": true,
  "disclaimer": "A completeness and currency check against your own documentation policy. No credit assessment, score, rating or recommendation has been made; nothing has been said about the borrower, their affordability or the merits of the application; and no file has been submitted, approved or progressed.",
  "policyFound": true,
  "couldNotCheck": [
    "The policy is silent on whether a screening report is required where a recent one exists for an adjoining site."
  ],
  "presentButStale": [
    {
      "note": "Present, so it passes a checklist. At the expected drawdown date it will be 9 months old, outside policy. This is the finding that surfaces in a file review after the money has gone out.",
      "dated": "2026-01-08",
      "document": "Valuation",
      "policyWindow": "6 months at drawdown"
    }
  ],
  "escalationReason": "A required document is absent at submission, the valuation will be outside the policy window at drawdown, and two documents state different turnover for the same period.",
  "consistencyQueries": [
    "Turnover is stated as 4.2m in the management accounts and 3.9m in the application form for the same period. A query to resolve, not a conclusion about anything."
  ],
  "consolidatedRequest": [
    "An environmental screening report for the security property.",
    "Photographic identification for the second director.",
    "A valuation dated within 6 months of the expected completion date.",
    "A refreshed company search after 1 October.",
    "Confirmation of which turnover figure is correct for the period."
  ],
  "requirementsApplied": [
    "Commercial mortgage over 1m: two years of audited financials rather than one.",
    "Limited company borrower: directors' identification and company structure evidence.",
    "Commercial property security: valuation within 6 months at drawdown, plus environmental screening."
  ],
  "expiringBeforeDrawdown": [
    "The company search expires 2026-10-01, before the expected drawdown. Refresh it with the other items rather than twice."
  ]
}

使用条件

使用场景

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常见问题

评价

客户运行过该智能体后，评价功能将开放。