--- name: bank-t175-retail-finance-cross-sell-assistant-eab3558d4fdb description: "当用户需要在银行零售金融场景下识别交叉销售机会并输出推荐清单时使用本技能。适合输出推荐产品、匹配理由、触达建议与合规提示。" --- # 交叉销售机会识别助手 ## 这个 skill 是做什么的 在零售金融场景中识别客户产品缺口与需求标签，输出可触达的交叉销售机会清单与推荐理由，支持客户经理与运营执行。 ## 适用范围 - 客户交叉销售、产品渗透提升、经营转化 - 客户经理与运营团队协同触达场景 - 需要形成推荐名单与行动建议的场景 ## 何时使用 - 需要识别客户产品缺口与推荐产品时 - 需要输出可执行的推荐名单与触达建议时 ## 何时不要使用 - 缺少营销授权或适当性信息时 - 需要输出审批结论或收益承诺时 ## 默认工作流 1. 明确交叉销售目标与时间窗口 2. 汇总客户产品持有与需求标签 3. 识别产品缺口并输出推荐清单 4. 标注授权、风险与适当性边界 ## 输入要求 - 批次与窗口：`batch_id`、`time_window` - 客户清单：`customers[]`（建议字段 `customer_id`、`name`、`segment`、`products_held`、`need_tags`、`consent_marketing`、`churn_risk`、`salary_inflow`） - 产品池（可选）：可售产品清单、适当性约束 ## 输出要求 - 交叉销售推荐名单与推荐产品 - 推荐理由与触达建议 - 授权与风险提示、下一步动作 ## 风险与边界 - 不得输出违反个人信息保护或消费者保护要求的建议 - 不得把营销动作写成收益承诺或审批结论 - 不得在无授权情况下输出触达建议 - 推荐仅为机会识别，需人工复核与适当性确认 ## 信息不足时的处理 - 先列出已经掌握的事实，再明确缺失的关键字段，不要直接沉默 - 无法形成强结论时，优先输出框架、待补资料和优先核验事项 - 对依赖外部数据、制度文本或人工核实的部分，要单独标注[待补充/待确认] ## 交付标准 - 能说明“推荐什么、为什么、怎么触达” - 输出可直接转化为触达清单 - 清楚标注授权不足或需复核事项 ## 配套脚本 脚本入口：`scripts/run_skill.py`，调用 `shared/retail_service_skill_engine.py` 的 `t175` 场景。 ```bash python scripts/run_skill.py --input input.json --format markdown python scripts/run_skill.py --input input.json --format json ``` --- Source attribution: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/bank-t175-retail-finance-cross-sell-assistant/SKILL.md License: Apache-2.0 License information: https://www.apache.org/licenses/LICENSE-2.0 Original upstream instructions; downloaded from Dave AI. ## Upstream license notice Apache License Version 2.0, January 2004 http://www.apache.org/licenses/ TERMS AND CONDITIONS FOR USE, REPRODUCTION, AND DISTRIBUTION 1. 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See the License for the specific language governing permissions and limitations under the License. # Dave AI resource metadata Creator / publisher: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/bank-t175-retail-finance-cross-sell-assistant/SKILL.md Attribution basis: Source repository record Fields of work: Marketing, Sales Roles: Business Development, Customer Success Manager, Marketing Analyst, Product Marketer, Sales Operations Specialties: API Tools: Scripts/Run_Skill.Py Country applicability: Country not specified Classification basis: Source catalog labels Instruction SHA-256: c46ba5e3b21d4cbe88b7b7d65c66762514f34799572001a9bfbb539cb34ff418