dsh-plugin-t-expert 0.4.26 → 0.4.37

package/data/experts/finance/citongshuopro/plugin.json

@@ -0,0 +1,88 @@
+{
+  "name": "citongshuopro",
+  "version": "1.0.0",
+  "description": "刺桐说社群嘉宾团 - 将投资问题智能路由到4位专业嘉宾，模拟真实投资社群运作模式",
+  "author": {
+    "name": "杜哥学量化",
+    "email": ""
+  },
+  "agents": [
+    "./agents/citongshuopro-team-lead.md",
+    "./agents/zhanglaoshi.md",
+    "./agents/jiazong.md",
+    "./agents/littlestar.md",
+    "./agents/gy.md"
+  ],
+  "expertType": "team",
+  "agentName": "citongshuopro-team-lead",
+  "teamInfo": {
+    "leadAgent": "citongshuopro-team-lead",
+    "memberAgents": ["zhanglaoshi", "jiazong", "littlestar", "gy"]
+  },
+  "displayName": {
+    "en": "Citong Talk Pro",
+    "zh": "刺桐说Pro-投资社群嘉宾团"
+  },
+  "profession": {
+    "en": "Citong Talk Pro",
+    "zh": "刺桐说Pro-投资社群嘉宾团"
+  },
+  "displayDescription": {
+    "en": "Multi-agent investment research system simulating real investment community, with digital twins of community guests providing 24/7 advisory.",
+    "zh": "模拟真实投资社群运作模式的多智能体投研系统，已接入社群嘉宾数字分身，可7*24为您提供投资咨询服务。"
+  },
+  "avatar": "avatars/citongshuopro.png",
+  "categoryId": "08-FinanceInvestment",
+  "defaultInitPrompt": {
+    "zh": "复盘目前的A股市场",
+    "en": "Review the current A-share market"
+  },
+  "plugin": "citongshuopro",
+  "tags": [
+    {"en": "Market Trends", "zh": "市场趋势分析"},
+    {"en": "Sector Analysis", "zh": "行业板块分析"},
+    {"en": "Investment Research", "zh": "股票投研分析"}
+  ],
+  "quickPrompts": [
+    {"en": "Review the current A-share market", "zh": "复盘目前的A股市场"},
+    {"en": "Which sectors are worth watching?", "zh": "目前值得关注的行业"},
+    {"en": "Analyze currently popular stocks", "zh": "分析目前热门的股票"}
+  ],
+  "members": [
+    {
+      "id": "citongshuopro-team-lead",
+      "name": {"en": "Citong Talk", "zh": "刺桐说"},
+      "profession": {"en": "Community Admin", "zh": "社群管理员"},
+      "avatar": "avatars/citongshuopro-team-lead.png",
+      "role": "lead"
+    },
+    {
+      "id": "zhanglaoshi",
+      "name": {"en": "Teacher Zhang", "zh": "张老师"},
+      "profession": {"en": "Value Investing Expert", "zh": "价值投资专家"},
+      "avatar": "avatars/zhanglaoshi.png",
+      "role": "member"
+    },
+    {
+      "id": "jiazong",
+      "name": {"en": "Jia Zong", "zh": "佳总"},
+      "profession": {"en": "Trend Following Expert", "zh": "趋势跟踪专家"},
+      "avatar": "avatars/jiazong.png",
+      "role": "member"
+    },
+    {
+      "id": "littlestar",
+      "name": {"en": "LittleStar", "zh": "LittleStar"},
+      "profession": {"en": "Momentum Short-term Expert", "zh": "游资短线专家"},
+      "avatar": "avatars/littlestar.png",
+      "role": "member"
+    },
+    {
+      "id": "gy",
+      "name": {"en": "GY", "zh": "GY"},
+      "profession": {"en": "Macro Hedge Expert", "zh": "宏观对冲专家"},
+      "avatar": "avatars/gy.png",
+      "role": "member"
+    }
+  ]
+}

package/data/experts/finance/citongshuopro/settings.json

@@ -0,0 +1,3 @@
+{
+  "agent": "citongshuopro-team-lead"
+}

package/data/experts/finance/citongshuopro/validate_expert.py

@@ -0,0 +1,369 @@
+#!/usr/bin/env python3
+"""
+Expert Validator - Validates an expert package against the WorkBuddy specification.
+
+Usage:
+    validate_expert.py <path/to/expert-dir>
+
+Example:
+    python3 validate_expert.py plugins/my-expert
+"""
+
+import sys
+import json
+import re
+from pathlib import Path
+
+
+VALID_CATEGORY_IDS = {
+    '01-ProductDesign', '02-Engineering', '03-GameSpatial', '04-DataAI',
+    '05-MarketingGrowth', '06-ContentCreative', '07-SalesCommerce',
+    '08-FinanceInvestment', '09-OperationsHR', '10-ProjectQuality',
+    '11-SecurityCompliance', '12-IndustryConsultant',
+}
+
+VALID_EXPERT_TYPES = {'agent', 'team'}
+
+
+class ValidationResult:
+    def __init__(self):
+        self.errors = []
+        self.warnings = []
+
+    def error(self, msg):
+        self.errors.append(msg)
+
+    def warn(self, msg):
+        self.warnings.append(msg)
+
+    @property
+    def is_valid(self):
+        return len(self.errors) == 0
+
+    def summary(self):
+        lines = []
+        if self.errors:
+            lines.append(f"❌ {len(self.errors)} error(s):")
+            for e in self.errors:
+                lines.append(f"   • {e}")
+        if self.warnings:
+            lines.append(f"⚠️  {len(self.warnings)} warning(s):")
+            for w in self.warnings:
+                lines.append(f"   • {w}")
+        if self.is_valid:
+            lines.append("✅ Expert package is valid!")
+        return '\n'.join(lines)
+
+
+def parse_md_frontmatter(md_path):
+    """Parse YAML frontmatter from a Markdown file. Returns dict or None."""
+    try:
+        content = md_path.read_text(encoding='utf-8')
+    except Exception as e:
+        return None, f"Cannot read {md_path}: {e}"
+
+    if not content.startswith('---'):
+        return None, f"{md_path.name}: No YAML frontmatter found"
+
+    match = re.match(r'^---\n(.*?)\n---', content, re.DOTALL)
+    if not match:
+        return None, f"{md_path.name}: Invalid frontmatter format"
+
+    # LIMITATION: Only parses simple top-level "key: value" pairs.
+    # Does NOT handle nested objects, lists, or multi-line values.
+    # Sufficient for extracting 'name', 'description', and detecting 'tools'.
+    fm_text = match.group(1)
+    result = {}
+
+    # Extract simple key-value pairs
+    for line in fm_text.split('\n'):
+        line = line.strip()
+        if ':' in line and not line.startswith('-') and not line.startswith('#'):
+            key, _, value = line.partition(':')
+            key = key.strip()
+            value = value.strip().strip('"').strip("'")
+            if value:
+                result[key] = value
+
+    return result, None
+
+
+def check_i18n_field(obj, field_name, result, context="plugin.json"):
+    """Check that a field has both 'en' and 'zh' values."""
+    if field_name not in obj:
+        result.error(f"{context}: missing '{field_name}'")
+        return False
+
+    val = obj[field_name]
+    if not isinstance(val, dict):
+        result.error(f"{context}: '{field_name}' must be an object with 'en' and 'zh'")
+        return False
+
+    if not val.get('en'):
+        result.error(f"{context}: '{field_name}.en' is empty")
+    if not val.get('zh'):
+        result.error(f"{context}: '{field_name}.zh' is empty")
+
+    return True
+
+
+def validate_plugin_json(plugin_json, expert_dir, result):
+    """Validate plugin.json fields."""
+    # Required fields
+    for field in ('name', 'version', 'description'):
+        if field not in plugin_json:
+            result.error(f"plugin.json: missing required field '{field}'")
+
+    name = plugin_json.get('name', '')
+    if name and (len(name) < 2 or not re.match(r'^[a-z0-9][a-z0-9-]*[a-z0-9]$', name)):
+        result.error(f"plugin.json: 'name' must be kebab-case (at least 2 chars), got '{name}'")
+
+    expert_type = plugin_json.get('expertType', '')
+    if expert_type not in VALID_EXPERT_TYPES:
+        result.error(f"plugin.json: 'expertType' must be one of {VALID_EXPERT_TYPES}, got '{expert_type}'")
+        return expert_type
+
+    # plugin field consistency
+    plugin_field = plugin_json.get('plugin', '')
+    if plugin_field and plugin_field != name:
+        result.error(f"plugin.json: 'plugin' ({plugin_field}) must equal 'name' ({name})")
+
+    # Agent/Team specific
+    if expert_type in ('agent', 'team'):
+        agent_name = plugin_json.get('agentName', '')
+        if not agent_name:
+            result.error("plugin.json: missing 'agentName'")
+        else:
+            # Check agentName matches an MD file
+            md_file = expert_dir / 'agents' / f'{agent_name}.md'
+            if not md_file.exists():
+                result.error(f"plugin.json: agentName '{agent_name}' has no matching file agents/{agent_name}.md")
+
+            # agentName must not be generic "team-lead"
+            if agent_name == 'team-lead':
+                result.error("plugin.json: agentName must not be generic 'team-lead', add team prefix")
+
+        # Display fields
+        check_i18n_field(plugin_json, 'displayName', result)
+        check_i18n_field(plugin_json, 'profession', result)
+        check_i18n_field(plugin_json, 'displayDescription', result)
+        check_i18n_field(plugin_json, 'defaultInitPrompt', result)
+
+        # displayDescription zh length
+        dd = plugin_json.get('displayDescription', {})
+        zh_desc = dd.get('zh', '')
+        if zh_desc and not zh_desc.startswith('[TODO'):
+            zh_len = len(zh_desc)
+            if zh_len < 40 or zh_len > 50:
+                result.warn(f"plugin.json: displayDescription.zh is {zh_len} chars (recommended 40-50)")
+
+        # Team profession == displayName
+        if expert_type == 'team':
+            dn = plugin_json.get('displayName', {})
+            prof = plugin_json.get('profession', {})
+            if dn.get('zh') and prof.get('zh') and dn['zh'] != prof['zh']:
+                if not dn['zh'].startswith('[TODO') and not prof['zh'].startswith('[TODO'):
+                    result.error(f"plugin.json: Team 'profession' must equal 'displayName' (zh: '{prof['zh']}' != '{dn['zh']}')")
+
+        # categoryId
+        cat = plugin_json.get('categoryId', '')
+        if cat and not cat.startswith('[TODO') and cat not in VALID_CATEGORY_IDS:
+            result.error(f"plugin.json: invalid categoryId '{cat}'")
+
+        # tags (must be 3)
+        tags = plugin_json.get('tags', [])
+        if isinstance(tags, list) and len(tags) != 3:
+            result.error(f"plugin.json: must have exactly 3 tags, got {len(tags)}")
+
+        # quickPrompts (must be 3)
+        qp = plugin_json.get('quickPrompts', [])
+        if isinstance(qp, list) and len(qp) != 3:
+            result.error(f"plugin.json: must have exactly 3 quickPrompts, got {len(qp)}")
+
+        # defaultInitPrompt == quickPrompts[0]
+        dip = plugin_json.get('defaultInitPrompt', {})
+        if isinstance(qp, list) and len(qp) > 0 and isinstance(qp[0], dict):
+            if dip.get('zh') and qp[0].get('zh') and dip['zh'] != qp[0]['zh']:
+                if not dip['zh'].startswith('[TODO'):
+                    result.warn("plugin.json: defaultInitPrompt.zh should match quickPrompts[0].zh")
+
+        # avatar path check
+        avatar = plugin_json.get('avatar', '')
+        if avatar:
+            avatar_path = expert_dir / avatar
+            if not avatar_path.exists() and not (expert_dir / 'avatars' / '.gitkeep').exists():
+                result.warn(f"plugin.json: avatar file not found: {avatar}")
+
+    # agents array check
+    agents_arr = plugin_json.get('agents', [])
+    if isinstance(agents_arr, list):
+        for agent_path in agents_arr:
+            rel = agent_path[2:] if agent_path.startswith('./') else agent_path
+            resolved = expert_dir / rel
+            if not resolved.exists() and not agent_path.startswith('[TODO'):
+                result.error(f"plugin.json: agents path not found: {agent_path}")
+
+    # skills array check
+    skills_arr = plugin_json.get('skills', [])
+    if isinstance(skills_arr, list):
+        for skill_path in skills_arr:
+            rel = skill_path[2:] if skill_path.startswith('./') else skill_path
+            resolved = expert_dir / rel
+            skill_md = resolved / 'SKILL.md'
+            if not skill_md.exists() and not skill_path.startswith('[TODO'):
+                result.error(f"plugin.json: skill path has no SKILL.md: {skill_path}")
+
+    # Team specific
+    if expert_type == 'team':
+        team_info = plugin_json.get('teamInfo', {})
+        if not team_info:
+            result.error("plugin.json: Team type must have 'teamInfo'")
+        else:
+            lead = team_info.get('leadAgent', '')
+            members_agents = team_info.get('memberAgents', [])
+            if lead and lead in members_agents:
+                result.error("plugin.json: teamInfo.memberAgents should NOT contain the lead agent")
+
+        members = plugin_json.get('members', [])
+        if not members:
+            result.error("plugin.json: Team type must have 'members' array")
+        else:
+            has_lead = any(m.get('role') == 'lead' for m in members if isinstance(m, dict))
+            if not has_lead:
+                result.error("plugin.json: members array must contain at least one member with role='lead'")
+
+        # settings.json
+        settings_path = expert_dir / 'settings.json'
+        if not settings_path.exists():
+            result.error("Team type must have settings.json")
+        else:
+            try:
+                settings = json.loads(settings_path.read_text(encoding='utf-8'))
+                settings_agent = settings.get('agent', '')
+                pj_agent = plugin_json.get('agentName', '')
+                if settings_agent and pj_agent and settings_agent != pj_agent:
+                    result.error(f"settings.json 'agent' ({settings_agent}) != plugin.json 'agentName' ({pj_agent})")
+            except json.JSONDecodeError as e:
+                result.error(f"settings.json: invalid JSON: {e}")
+
+    return expert_type
+
+
+def validate_agent_mds(expert_dir, plugin_json, result):
+    """Validate all Agent MD files."""
+    agents_dir = expert_dir / 'agents'
+    if not agents_dir.exists():
+        result.error("agents/ directory not found")
+        return
+
+    for md_file in agents_dir.glob('*.md'):
+        fm, err = parse_md_frontmatter(md_file)
+        if err:
+            result.error(err)
+            continue
+
+        if not fm:
+            result.error(f"{md_file.name}: empty frontmatter")
+            continue
+
+        # name must match filename
+        fm_name = fm.get('name', '')
+        expected_name = md_file.stem
+        if fm_name and fm_name != expected_name:
+            result.error(f"{md_file.name}: frontmatter name '{fm_name}' != filename '{expected_name}'")
+
+        # Must have description
+        if not fm.get('description'):
+            result.warn(f"{md_file.name}: missing 'description' in frontmatter")
+
+        # Must NOT have tools field
+        content = md_file.read_text(encoding='utf-8')
+        fm_section = re.match(r'^---\n(.*?)\n---', content, re.DOTALL)
+        if fm_section and 'tools:' in fm_section.group(1):
+            result.error(f"{md_file.name}: frontmatter must NOT contain 'tools' field")
+
+
+def validate_file_structure(expert_dir, expert_type, result):
+    """Validate basic file structure."""
+    # .codebuddy-plugin/plugin.json must exist
+    pj = expert_dir / '.codebuddy-plugin' / 'plugin.json'
+    if not pj.exists():
+        result.error(".codebuddy-plugin/plugin.json not found")
+
+    # Must NOT have hooks/, commands/, .lsp.json
+    for forbidden in ('hooks', 'commands'):
+        if (expert_dir / forbidden).exists():
+            result.error(f"Forbidden directory found: {forbidden}/")
+    if (expert_dir / '.lsp.json').exists():
+        result.error("Forbidden file found: .lsp.json")
+
+    # agents/, skills/, bin/ must be at root, not inside .codebuddy-plugin/
+    cb_dir = expert_dir / '.codebuddy-plugin'
+    for subdir in ('agents', 'skills', 'bin', 'avatars'):
+        if (cb_dir / subdir).exists():
+            result.error(f"{subdir}/ found inside .codebuddy-plugin/ — must be at plugin root")
+
+    # Must have agents/ dir
+    if not (expert_dir / 'agents').exists():
+        result.error(f"{expert_type} type must have agents/ directory")
+
+    # README.md recommended
+    if not (expert_dir / 'README.md').exists():
+        result.warn("README.md is recommended")
+
+
+def validate_expert(expert_path):
+    """Main validation entry point."""
+    expert_dir = Path(expert_path).resolve()
+    result = ValidationResult()
+
+    if not expert_dir.exists():
+        result.error(f"Directory not found: {expert_dir}")
+        return result
+
+    if not expert_dir.is_dir():
+        result.error(f"Not a directory: {expert_dir}")
+        return result
+
+    # Load plugin.json
+    pj_path = expert_dir / '.codebuddy-plugin' / 'plugin.json'
+    if not pj_path.exists():
+        result.error(".codebuddy-plugin/plugin.json not found")
+        return result
+
+    try:
+        plugin_json = json.loads(pj_path.read_text(encoding='utf-8'))
+    except json.JSONDecodeError as e:
+        result.error(f"plugin.json: invalid JSON: {e}")
+        return result
+
+    # Validate plugin.json
+    expert_type = validate_plugin_json(plugin_json, expert_dir, result)
+
+    # Validate file structure
+    validate_file_structure(expert_dir, expert_type, result)
+
+    # Validate Agent MDs
+    validate_agent_mds(expert_dir, plugin_json, result)
+
+    return result
+
+
+def main():
+    if len(sys.argv) != 2:
+        print("Usage: python3 validate_expert.py <path/to/expert-dir>")
+        print("\nExample:")
+        print("  python3 validate_expert.py plugins/my-expert")
+        sys.exit(1)
+
+    expert_path = sys.argv[1]
+    print(f"🔍 Validating expert package: {expert_path}\n")
+
+    result = validate_expert(expert_path)
+    print(result.summary())
+
+    sys.exit(0 if result.is_valid else 1)
+
+
+if __name__ == "__main__":
+    main()

package/data/experts/finance/corp-credit-due-diligence/.codebuddy-plugin/plugin.json

@@ -0,0 +1,60 @@
+{
+  "name": "corp-credit-due-diligence",
+  "version": "1.3.3",
+  "description": "End-to-end corporate credit due diligence: industry research, financial verification, ultimate controller profiling, risk early-warning, and 90+ credit rating reports.",
+  "author": {
+    "name": "Leo",
+    "email": "leoygao@tencent.com"
+  },
+  "agents": ["./agents/corp-credit-due-diligence.md"],
+  "skills": [
+    "./skills/pre-execution-kyc",
+    "./skills/credit-industry-research",
+    "./skills/standard-credit-report",
+    "./skills/auth-permission",
+    "./skills/md2pdf",
+    "./skills/due-diligence"
+  ],
+
+  "expertType": "agent",
+  "agentName": "corp-credit-due-diligence",
+
+  "displayName": {
+    "en": "Tianyu Corporate Credit",
+    "zh": "天御对公信贷"
+  },
+  "profession": {
+    "en": "Tencent Cloud Tianyu Corporate Credit Expert",
+    "zh": "腾讯云天御对公信贷专家"
+  },
+  "displayDescription": {
+    "en": "An end-to-end corporate credit due diligence assistant covering industry research, financial verification, ultimate-controller profiling, and risk early-warning. Powered by Tencent Cloud Tianyu risk control, it delivers structured credit rating reports to support lending decisions.",
+    "zh": "对公信贷尽调助手，覆盖行业研究、财务核查、实控人画像与风险预警，输出结构化信评报告。"
+  },
+  "avatar": "avatars/expert.png",
+  "categoryId": "08-FinanceInvestment",
+  "defaultInitPrompt": {
+    "zh": "帮我调研下{企业名}。",
+    "en": "Please conduct some research on {company name} for me."
+  },
+  "plugin": "corp-credit-due-diligence",
+  "tags": [
+    { "en": "Industry Research", "zh": "行业研究" },
+    { "en": "Financial Verification", "zh": "财务核查" },
+    { "en": "Credit Rating Report", "zh": "信评报告" }
+  ],
+  "quickPrompts": [
+    {
+      "zh": "帮我调研下{企业名}。",
+      "en": "Please conduct some research on {company name} for me."
+    },
+    {
+      "zh": "帮我对XX行业做系统性研究，覆盖竞争格局、监管政策、风险点。",
+      "en": "Run a systematic industry research on XX, covering competitive landscape, regulatory policy, and key risk points."
+    },
+    {
+      "zh": "对XX公司开展财务核查，重点识别民企财务偏差与关联交易风险。",
+      "en": "Conduct financial verification on XX, focusing on private-firm accounting biases and related-party transaction risks."
+    }
+  ]
+}

package/data/experts/finance/corp-credit-due-diligence/.downloaded_at

@@ -0,0 +1 @@
+2026-09-29T03:25:12.526499+00:00

package/data/experts/finance/corp-credit-due-diligence/.imported-from-workbuddy

@@ -0,0 +1,7 @@
+{
+  "plugin": "corp-credit-due-diligence",
+  "division": "finance",
+  "categoryId": "08-FinanceInvestment",
+  "importedAt": "2026-09-29T12:42:04",
+  "source": "workbuddy expert marketplace (COS)"
+}

package/data/experts/finance/corp-credit-due-diligence/README.md

@@ -0,0 +1,66 @@
+# 天御对公信贷 · 信贷尽调专家
+
+> 腾讯云天御对公信贷专家 — 对公信贷全流程尽调助手，覆盖行业研究、财务核查、实控人画像与风险预警，依托腾讯云天御风控输出结构化信评报告，助力授信决策。
+
+## 类型
+
+Agent 型专家（单个 AI 专家 + 配套技能）。用户提供**企业名称**后，Agent 会先进行认证鉴权；鉴权成功后完成一次结构化 KYC/任务授权确认，再进入全流程尽调，最终产出一份可在聊天窗口呈现、并支持交付为 Markdown / HTML / PDF 的信用评估报告。
+
+## 核心能力
+
+| 能力 | 说明 |
+|---|---|
+| 鉴权后 KYC | 鉴权成功后，通过结构化卡片确认数据来源、证据标准、交付形式和企查查授权；自由探索继续确认 PDF / HTML / Markdown，企查查未连接时提供 WorkBuddy 授权指引；未确认前不执行尽调 |
+| 双交付路由 | “自由探索”使用行业研究/综合调研技能；“标准报告”使用独立九章报告流程，两条路径不串联 |
+| 行业研究 | 宏观环境（PEST）、行业生命周期、波特五力、行业财务特征与关键变量敏感性分析、竞争格局与监管政策 |
+| 财务核查 | 三大表勾稽、营运资金与现金流分析、人效基准对标、民企财务偏差与关联交易风险识别 |
+| 实控人画像 | 实控人背景、涉诉/被执行/对外担保等关键人风险扫描 |
+| 风险预警 | 行业共性风险矩阵 + 企业个体风险（诉讼、监管处罚、同业违约匹配），带置信度标注 |
+| 信评报告 | 标准化 Markdown 报告，含执行摘要、综合评级、一票否决红线与监控指标，支持渲染 HTML、导出 PDF |
+| 人工补充提醒 | 所有“待客户经理补充”直接在正文原表格单元格、段落或清单项中标红；纯 Markdown 使用 `🔴 **待客户经理补充**`，并在报告末尾复核汇总 |
+| 可核验引用 | 每项互联网事实在正文对应位置就地附可点击原始页面链接，末尾保留审计索引；无公开链接的用户材料或内部数据明确标注材料定位信息 |
+
+## 内置技能
+
+- `pre-execution-kyc`：鉴权成功后、首次业务执行前收集数据授权与交付约束，并作为检索和分析前的强制门禁。
+- `credit-industry-research`：信贷尽调行业研究，7 大分析模块 + 附录，输出面向信贷经理的尽调建议与材料清单。
+- `standard-credit-report`：整合并优化 `corp_20260727` 的九章模块逻辑，独立完成主体识别、材料处理、公开检索、财务核验、同业比较、司法筛查、风险归纳及模板组装；只在选择“标准报告”时调用。
+- `md2pdf`：将 Markdown 报告转换为带专业排版、完整中文支持的交付级 PDF（支持封面、目录、书签）。
+- `auth-permission`：最先执行的认证与鉴权步骤；鉴权通过后方可进入 KYC 配置确认。
+
+> 此处“KYC”是任务级数据授权与执行约束确认，不替代法定 AML/KYC 身份、受益所有人或制裁名单核验。如需正式客户身份核验，应另接合规 KYC 服务。
+
+初次确认后，用户可直接说“改成严格证据”“不要使用企查查”“按我上传的模板输出”等来局部修改配置；未提及的配置保持不变。只有表达不明确时，Agent 才会针对相关项进行最小化追问。
+
+交付形式说明：
+
+- **自由探索**：先选择 PDF、HTML 或 Markdown 输出格式，再使用 `credit-industry-research` 开展公开网络搜索，按问题灵活组织分析，不强制套用固定模板。历史配置中的“全量底稿”按自由探索兼容处理。
+- **标准报告**：由独立标准报告能力完成公开信息检索、用户材料处理和九章报告生成，不调用 `credit-industry-research`。
+- **自有模板**：按用户上传模板输出。
+
+## 使用示例
+
+- "帮我调研下 {企业名}。"
+- "帮我对 XX 行业做系统性研究，覆盖竞争格局、监管政策、风险点。"
+- "对 XX 公司开展财务核查，重点识别民企财务偏差与关联交易风险。"
+- "评估 {企业名} 的授信风险 / {企业名} 能不能授信。"
+
+> 数据来源：企业工商信息优先取自企查查连接器（不可用时通过联网公开搜索获取），其余信息通过联网搜索获取。本报告基于公开信息，不替代人行征信、银行流水等内部资料。
+
+## 头像
+
+头像位于 `avatars/expert.png`。如需替换为自定义头像，要求：
+- 格式：PNG（推荐）或 JPG
+- 尺寸：512×512 px
+- 大小：单张不超过 500 KB
+
+## 目录结构
+
+```
+corp-credit-due-diligence/
+├── .codebuddy-plugin/plugin.json   # 插件元信息（名称、能力、标签、快捷指令等）
+├── agents/                         # Agent 定义（角色、流程、约束）
+├── skills/                         # 内置技能：鉴权 / 鉴权后 KYC / 行业研究 / 标准报告 / md2pdf
+├── avatars/expert.png              # 专家头像（512×512）
+└── README.md
+```