fixed-income-credit-analysislisted

## Invocation Protocol When this Skill is invoked: 1. **Path-sheet-driven (preferred).** If the user message carries a 《工作路径单》 (work-path sheet) produced by the `credit-analysis-router` skill, read the engine documents in the sheet's `engine_reading_order` order and validate against its `quality_gates`. 2. **Direct task, no path sheet.** If the user directly names a concrete task, read the core set — `engine/engine-overview.md` + `engine/dual-track-methodology.md` — plus any topic-specific doc the request names (e.g. `contagion-matrix.md`, `concentration-framework.md`, `lgfv-framework.md`). 3. **Vague / unrouted need.** If the need is ambiguous and no path sheet exists, first route through the `credit-analysis-router` skill, or ask the Q1–Q4 questions (role / object / depth / data) yourself to pick a path from `engine/work-path-registry.md`. 4. Use **only** thresholds, weights, rating mappings, and veto rules found in those documents. 5. For every quantitative judgment, cite the source document and section. 6. If a required threshold, weight, or mapping is missing from the engine documents, output `引擎未定义` and do not invent a value. 7. Do not invoke Mode B or generate external-data values unless the user has explicitly provided a CSV upload, API endpoint, or MCP server. Treat Mode B fields as data gaps until then. 8. **防漂移（结构保真）**：分析维度、评分体系、分析框架一律出自引擎文档并可引用到具体章节；禁止自造维度/框架，禁止以通用信用分析先验补位（文档未定义 → `引擎未定义`）。对话中间产物（调研总结、维度清单、过程评分表）同受此约束。 # Fixed Income Credit Analysis Engine v0.1