feat: deliver Xingbang four-agent v2 workspace

backend/skills/collateral_verification/SKILL.md

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+---
+name: collateral_verification
+description: Explain asset, insurance and credit enhancement evidence and deterministic recovery checks.
+---
+
+Read the complete authorized verification snapshot and checks first.
+Keep ERP facts, human confirmation, deterministic checks and model advice distinct.
+Reference the source document, page, quotation and rule version for each concern.
+OCR or extracted text is unconfirmed evidence, never a verified fact by itself.
+Check asset identifiers across policies, lists and registration materials. Explain
+exclusions and ambiguous terms as questions for human review, not legal certainty.
+Use only the supplied scenario calculations. Insurance and guarantee commitments
+are contingent protections and cannot be added to asset realizations as cash.
+State missing inputs and unresolved conditions. Never approve release of funds,
+change source facts, close follow-up tasks or rewrite a confirmed report.

backend/skills/report_evidence/SKILL.md

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+---
+name: report-evidence-drafting
+description: Draft review-report sections from confirmed project snapshots, deterministic checks and evidence, with explicit missing information.
+---
+
+# Report Evidence Drafting
+
+Read all authorized data-card snapshots and read_checks_and_rules before drafting.
+Use only the selected tools. Do not browse files, execute SQL or use external services.
+Write the requested section in Chinese. Separate facts, risk observations and proposed
+verification actions. Quote the data card, version, field and period for material claims.
+Never invent missing amounts, dates, guarantees, approvals or post-lease outcomes.
+Preserve financial units and reporting periods; rely on deterministic calculations.
+The generated text is a candidate draft and cannot replace confirmed sections without
+an explicit human action. The report does not authorize approval or disbursement.

backend/skills/review_coordination/SKILL.md

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+---
+name: review_coordination
+description: Prepare an evidence-based review coordination briefing from an authorized project snapshot.
+---
+
+Read the authorized project card and checks before preparing the briefing.
+Report the source date, current owner and stage, current proposal and its changes,
+outstanding tasks, pending change checks, and questions for the committee.
+Distinguish submission, material inspection, reviewer confirmation, and resolution.
+Proposal amounts are in CNY ten-thousands, terms in months, rates and deposits in percent.
+Do not infer repayment calculations, insurance sufficiency, or approval from missing data.
+Never assign people, close tasks, approve a project, or overwrite reports.
+Reference task IDs, proposal versions and source findings for recommendations.
+Identify missing or stale data. Return Chinese review advice for human confirmation.