--- name: bank-t194-wealth-management-needs-insight-assistant description: "当用户在银行财富管理场景下需要做需求洞察、成因拆解、指标解读或专题诊断，并希望输出结构化结论与沟通提示时使用本技能。适合支持理财经理、私行顾问完成客户目标、风险偏好与市场环境的综合判断。" --- # 这个 skill 是做什么的 本技能用于银行财富管理场景的“需求洞察”类分析，把客户目标、风险承受能力、期限与流动性约束、家庭资产结构、产品池与市场环境，转化为可沟通、可解释、可合规的诊断结论与后续动作建议。输出强调证据链、驱动项解释和后续追问方向，帮助理财经理/私行顾问推动下一步配置与沟通。 ## 适用范围 - 客户需求洞察与成因拆解（偏好变化、申赎异动、配置意向变化） - 产品适配、资产配置或持仓诊断的前置分析 - 以客户沟通为目标的专题诊断与沟通要点提炼 - 需要形成结构化结论、驱动项解释、后续追问清单的场景 ## 何时使用 - 需要把分散的客户信息与市场信息组织成“需求洞察”判断时 - 需要识别关键驱动项、异常点、矛盾点并形成沟通建议时 - 需要输出可复用的诊断结构、问询方向与改进行动时 ## 何时不要使用 - 缺少任何事实、样本或基础材料，仅凭主观臆测时 - 需要法律、审计、估值或监管意见才能做出的正式结论时 - 需要承诺收益、保证本金或规避适当性要求的场景 ## 默认工作流 1. **明确对象与口径**：锁定客户对象、时间范围、对比口径与关注问题。 2. **建立事实层**：整理已确认的客户信息、持仓与市场材料。 3. **拆解现象与驱动**：识别变化点、主驱动、次驱动与不确定项。 4. **形成诊断结论**：区分事实、解释、推断；为每条结论提供证据。 5. **转译为业务动作**：形成配置方向、沟通要点、风险提示与追问清单。 6. **标注不足与下一步**：列出缺失信息与建议补充的数据或核验项。 ## 输入要求 - **客户信息**：风险偏好、投资目标、期限/流动性约束、家庭资产结构、持仓概览 - **产品与市场**：产品池或可配产品摘要、市场观点、适当性要求、渠道限制 - **沟通背景**：触达目的、客户近期关注点、会议/拜访背景 - **指标与数据**：关键指标、趋势数据、对比样本摘要、异常说明 - **事件信息**：政策/市场/客户事件与其可能影响 ## 输出要求 - **诊断摘要**：现象描述、结论层级与关键证据 - **驱动项拆解**：主驱动、次驱动、待确认驱动与影响解释 - **配置或适配提示**：适配方向、产品类型或期限结构建议 - **沟通要点**：面向客户可解释的话术要点与风险提示 - **后续追问清单**：需要补充或核验的关键信息 ## 风险与边界 - 不得承诺收益或保证本金，不得绕过适当性要求 - 不得把相关性直接写成因果结论 - 对推断性强的判断必须标注前提与不确定性 - 不得伪造监管口径、制度条款或风险结论 ## 信息不足时的处理 - 先列出已确认事实，再列缺失字段，不编造内容 - 无法形成强结论时输出“诊断框架 + 待补充清单” - 对依赖外部数据或制度文本的部分标注【待确认】 ## 配套脚本 当需要把结构化输入快速生成标准化诊断草稿时，使用 `scripts/needs_insight_builder.py`： - 输入：包含客户信息、指标、市场观点与事件的 JSON 文件 - 输出：结构化 Markdown 报告草稿（含诊断摘要、驱动项、沟通要点等） 脚本适合重复处理同类需求洞察材料，避免格式不一致或漏项。 ## 交付标准 - 结论可被业务人员理解并可直接用于下一步沟通 - 输出明确区分事实、解释与推断 - 至少回答“现在怎么看 / 为什么这么看 / 下一步做什么” - 风险提示与适当性边界清晰可复核 --- Source attribution: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/bank-t194-wealth-management-needs-insight-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-t194-wealth-management-needs-insight-assistant/SKILL.md Attribution basis: Source repository record Fields of work: Finance & Accounting, Product Management, Sales Roles: Business Development, Customer Success Manager, Financial Analyst, Product Manager, Sales Engineer Specialties: Specialty not specified Tools: Scripts/Needs_Insight_Builder.Py Country applicability: Country not specified Classification basis: Source catalog labels Instruction SHA-256: 6f0aa3f0a629500a88c559a9a39737acefbe7a783cc6c3f676b4330d8024700f