refactor(commit): 커밋 정책을 commit-policy 스킬로 분리한다

.opencode/skills/commit-policy/SKILL.md

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+---
+name: commit-policy
+description: Apply this skill for any git commit task in this repository. It enforces commit message format and validation flow defined in AGENTS.md and work/scripts/check-commit-message-rules.sh, including pre-commit and post-commit verification.
+---
+
+# Commit Policy Skill
+
+Use this workflow whenever the task includes creating a commit.
+
+## Required References
+
+- `@AGENTS.md`
+- `@work/scripts/check-commit-message-rules.sh`
+
+## Hard Requirements
+
+1. Use commit subject format: `<type>(scope): <description>`.
+2. `type` must be lowercase (for example `feat`, `fix`, `chore`, `docs`, `refactor`, `test`).
+3. `description` must include Korean text and stay concise in imperative present tone.
+4. Optional footer must use `Refs: #123` or `Refs: #123, #456` format.
+5. Never commit secret files (`.env`, key/token/secret credential files).
+6. Never bypass hooks with `--no-verify`.
+
+## Execution Flow
+
+1. Inspect context with:
+   - `git status`
+   - `git diff --cached`
+   - `git diff`
+   - `git log -5 --oneline`
+2. Stage commit target files only. Exclude suspicious secret-bearing files.
+3. Draft commit message from the change intent (focus on why, not only what).
+4. Run pre-commit validation with the full draft message:
+   - `./work/scripts/check-commit-message-rules.sh --message "<full message>"`
+5. If validation fails, revise message and re-run until PASS.
+6. Commit using the validated message.
+7. Run post-commit validation:
+   - `./work/scripts/check-commit-message-rules.sh`
+8. Report executed commands and PASS/FAIL summary.
+
+## Output Checklist
+
+- Final commit subject.
+- Whether pre-check passed.
+- Whether post-check passed.
+- Any excluded files and reason.