--- name: bank-t190-wealth-management-selling-point-assistant-0bc5279192fc description: "当用户需要在银行财富管理场景下，围绕产品卖点进行适配、配置、推荐、方案设计或备选方案比较时使用本技能。适合输出主方案、备选方案、匹配逻辑、风险提示和沟通要点。" --- # 产品卖点生成助手 本技能面向银行财富管理场景，核心是把客户目标、风险承受能力、期限约束、家庭资产配置和市场环境组织成可解释、可沟通、可合规落地的产品卖点包与沟通话术。当前这支 skill 更偏向服务理财经理、财富顾问和私行团队，输出时要特别注意把客户目标、风险偏好和市场环境组织成可解释建议，并明确已确认信息与待核验信息。 ## 适用范围 - 产品适配、资产配置、持仓诊断、陪伴内容和市场波动沟通 - 适用于理财经理、财富顾问、私行顾问和客户陪伴团队 - 围绕[产品卖点]这个具体场景组织信息、形成判断和沉淀标准化输出 - 输出结果应满足：配置建议、沟通要点和风险提示 ## 何时使用 - 需要围绕产品卖点做适配、推荐、配置、方案设计或备选方案比较时 - 需要根据目标、约束、客群特征和风险边界给出可解释建议时 - 需要将产品特点翻译为“客户可理解的价值点 + 风险提示 + 适配理由”时 ## 何时不要使用 - 缺少需求、约束或适用边界就要求强推单一方案时 - 用户要求规避适当性、风控或合规要求时 - 需要替代正式合规审批或形成收益承诺口径时 ## 默认工作流 1. 明确服务对象、本次沟通目标与必须满足的约束条件 2. 归纳需求、偏好、期限、资金用途、风险承受能力或业务痛点 3. 提取产品核心特征与可被验证的证据点（历史数据、策略描述、条款） 4. 构建“卖点 → 证据 → 适配理由 → 风险提示”的四段式话术 5. 形成主方案、备选方案与不建议方案，并说明原因与触发条件 ## 重点分析框架 - 需求和约束是否说清楚 - 方案之间的取舍逻辑是否清晰 - 方案是否真正可执行而不是停留在口号 - 是否充分提示边界、风险和替代路径 - 卖点是否基于真实特征或可核验证据，而非空泛承诺 ## 输入要求 - 客户风险偏好、投资目标、期限要求、流动性约束和现有持仓 - 产品池信息、市场观点、适当性要求和渠道限制 - 客户沟通背景、近期关注点和本次触达目标 - 需求描述、目标约束、客群或客户画像 - 产品池、解决方案选项或可用资源 ## 输出要求 - 适配或配置建议 - 沟通要点、风险解释和后续跟进动作 - 主推荐方案和备选方案 - 匹配理由、限制条件和不建议事项 - 沟通要点、落地步骤和后续确认清单 - 卖点清单（含证据点与适配人群） ## 风险与边界 - 不得承诺收益、保证回本或绕过适当性要求 - 不得在缺少关键约束时给出过强配置结论 - 不得把推荐写成收益承诺或审批承诺 - 对主观判断较强的建议要说明假设前提 - 不得虚构产品条款、历史数据或合规披露 ## 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 - 建议要兼顾客户目标、风险和流动性 - 结论既要客户听得懂，也要经得起合规复核 - 输出中要清楚区分已确认信息、待核验信息和经验判断 - 至少回答[现在怎么看][为什么这么看][下一步做什么]三个问题 - 内容要让理财经理、财富顾问和私行团队可以直接拿去推进后续动作 ## 目录与脚本 如需批量生成“卖点包 + 风险提示 + 异议处理 + 跟进清单”，可使用本技能脚本： - `scripts/wealth_management_selling_points.py`：核心生成器，读取输入 JSON，输出结构化卖点包 - `scripts/run_skill.py`：命令行入口，支持 JSON/Markdown 输出 推荐先阅读参考资料： - `references/input-schema.md` - `references/output-schema.md` - `references/selling-point-framework.md` - `references/compliance-boundary.md` --- Source attribution: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/bank-t190-wealth-management-selling-point-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-t190-wealth-management-selling-point-assistant/SKILL.md Attribution basis: Source repository record Fields of work: Finance & Accounting, Marketing, Sales Roles: Business Development, Customer Success Manager, Financial Analyst, Product Marketer Specialties: Specialty not specified Tools: Scripts/Wealth_Management_Selling_Points.Py, Scripts/Run_Skill.Py Country applicability: Country not specified Classification basis: Source catalog labels Instruction SHA-256: 794c86cd3743a39d0a0feb1bffb562469cfa3b7f139f7e8abe16b5e961a35862