---
name: trust-compliance-checker-e11cf8a2962c
description: "trust-compliance-checker-e11cf8a2962c"
---

# trust-compliance-checker

## 描述
信托合规智能审查工具，支持合格投资者识别、嵌套层级穿透、投资限制检查、关联交易识别等合规要点。

## 功能
- 合格投资者识别与适当性匹配
- 嵌套层级穿透检查
- 投资比例与集中度限制
- 关联交易识别
- 禁止性行为筛查
- 信息披露合规检查
- 生成合规意见书

## 使用场景
- 新产品设立合规审查
- 投资者适当性管理
- 关联交易监控
- 监管报送自查
- 合规培训案例生成

## 输入输出

### 输入
```json
{
  "check_type": "product|investor|transaction|nested",
  "product": {
    "product_code": "",
    "trust_type": "集合信托",
    "min_investment": 1000000,
    "investment_scope": ["非标债权", "股票", "债券"]
  },
  "investor": {
    "name": "",
    "investor_type": "自然人",
    "financial_assets": 5000000,
    "annual_income": 800000,
    "investment_experience": 5
  },
  "investments": [
    {"target": "XX资管计划", "amount": 5000000, "type": "嵌套投资"}
  ]
}
```

### 输出
```json
{
  "status": "success",
  "data": {
    "overall_compliance": "合规",
    "score": 92,
    "checks": {
      "investor_qualification": {
        "passed": true,
        "details": "金融资产500万，符合合格投资者标准"
      },
      "nested_structure": {
        "passed": true,
        "layers": 2,
        "穿透_result": "底层资产为标准化债券"
      },
      "concentration_limit": {
        "passed": false,
        "issues": ["单一非标债权占比18%，超过15%限制"]
      }
    },
    "recommendations": ["建议降低单一非标债权比例至15%以下"]
  }
}
```

## 运行方式

```bash
# 产品合规审查
python scripts/main.py --check-type product --product data/product.json

# 投资者适当性检查
python scripts/main.py --check-type investor --investor data/investor.json

# 关联交易识别
python scripts/main.py --check-type transaction --transactions data/transactions.json

# 嵌套层级穿透
python scripts/main.py --check-type nested --structure data/structure.json
```

## 依赖
- pydantic>=1.10.0
- networkx>=2.8.0
- jsonschema>=4.17.0

## 合规规则库

| 规则 | 说明 | 阈值 |
|---|---|---|
| 起投金额-集合 | 集合信托最低30万 | ≥300,000 |
| 起投金额-单一 | 单一信托最低100万 | ≥1,000,000 |
| 嵌套层数 | 禁止三层及以上嵌套 | ≤2层 |
| 非标集中度 | 单一非标≤15% | ≤15% |
| 房地产集中度 | 房地产信托≤30% | ≤30% |

## 免责声明
本工具基于公开监管规定，仅供参考。具体合规判断请咨询专业法律顾问。

## 许可证
MIT License


---
Source attribution: aifinlab
Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skillsChoice/trust-suite/trust-compliance-checker/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Mega AI Hub.

## Upstream license notice

MIT License

Copyright (c) 2026 FinClaw Team

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Mega AI Hub resource metadata

Creator / publisher: aifinlab
Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skillsChoice/trust-suite/trust-compliance-checker/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Legal, Product Management, Sales
Roles: Accountant, Business Development, Compliance Officer, Financial Analyst, Product Manager
Specialties: Specialty not specified
Tools: Jsonschema, Networkx, Pydantic
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: a8e3e950ba1c74c0901d831a1adf54afbdb81b2ab8f750cb43cc033603047d22