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bank-t158-retail-finance-installment-marketing-assistant

Business
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Use when planning retail credit-card installment marketing, customer segmentation, and outreach prioritization; trigger for requests that need Chinese skill content with clear inputs/outputs, compliance-aware actions, and optional scripts for segmentation.

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How to use this skill

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  2. Copy the prompt below and paste it into your agent.
  3. Review the proposed files and risks before you approve installation.
Prompt to paste
I want to install this Agent Skill for this project in Codex.

Source SKILL.md: https://github.com/aifinlab/FinClaw/blob/HEAD/skills/bank-t158-retail-finance-installment-marketing-assistant/SKILL.md

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After I approve, install the complete skill folder, including required referenced files, into that project location. Verify it is discoverable, then tell me its actual invocation name and how to use it. Do not claim it is installed until you have verified it.

Copying this prompt does not install or run the skill. Review third-party files before use. Codex skill guide

这个 skill 是做什么的

用于信用卡分期营销的客群分层、触达策略与行动清单输出，确保动作合规、可执行且可复盘。

适用范围

  • 分期营销活动策划与名单初筛
  • 分期客群分层、优先级排序与渠道匹配
  • 营销结果的结构化复盘与指标口径说明

何时使用

  • 需要把交易与还款数据转成分期营销行动方案
  • 需要基于客户特征与风险信号设计分层触达

何时不要使用

  • 要求绕过授权/频控/适当性规则
  • 未给出营销目标或可执行渠道时

默认工作流

  1. 明确营销目标、产品口径与活动周期
  2. 汇总客群特征、交易行为、还款表现与风险标记
  3. 进行分层排序并说明依据
  4. 输出分层动作、话术方向与指标口径

输入要求

  • 客户基础：customer_id、卡片类型、额度区间
  • 行为数据：近3月最大单笔消费、转化/分期历史
  • 还款表现：按时还款率、逾期次数
  • 合规约束：营销授权、频控规则、投诉记录

输出要求

  • 客群分层（高/中/低潜）与排序
  • 对应的触达方式与优惠策略
  • 风险提示与禁入客群说明
  • 指标口径（转化率、分期金额、投诉率）

脚本与使用方式

批量分层使用 scripts/installment_marketing_segment.py。

python scripts/installment_marketing_segment.py --input installment_candidates.json --output installment_segmented.json

输入 JSON 示例：

{
  "customers": [
    {
      "customer_id": "C003",
      "largest_purchase_3m": 9000,
      "revolving_ratio": 0.6,
      "installment_history": 2,
      "on_time_rate_12m": 0.99,
      "risk_flag": 0
    }
  ]
}

输出关键字段：

  • segment：高潜/中潜/低潜
  • score：分层评分（用于排序）
  • offer：推荐优惠策略

风险与边界

  • 分层建议不等于强制营销或收益承诺
  • 必须遵守营销授权与触达频控要求
  • 需要清楚标注数据口径与时间窗口

信息不足时的处理

  • 输出分层框架和待补数据清单
  • 数据不足时默认“低潜/观察”

输出模板（简版）

客户：{customer_id}
分层：{segment}
建议策略：{offer}
理由：{reasons}
待补信息：{missing_fields}