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bank-t160-retail-finance-pre-check-assistant

Business
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Use when performing retail consumer-loan pre-checks, eligibility screening, and document gap analysis; trigger for requests that need Chinese skill content with structured precheck logic and optional scripts.

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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-t160-retail-finance-pre-check-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

面向消费贷业务的预审初筛与资料缺口识别，输出“可推进/待补资料/阻断”的初步判断、关键风险提示与补件清单，用于前置沟通与材料整理。

适用范围

  • 消费贷申请初筛与资料完整性检查
  • 客户经理面谈前的风险点整理
  • 运营团队的补件追踪

何时使用

  • 需要快速判断消费贷申请是否具备推进条件
  • 需要列出补件清单与核验重点

何时不要使用

  • 需要输出最终授信与审批结论
  • 缺少基本资料却要求确定性判断

默认工作流

  1. 确认申请主体、用途与金额区间
  2. 检查关键准入字段与资料完整性
  3. 分出阻断项与待核验项
  4. 输出补件清单与沟通重点

输入要求

  • 主体信息：applicant_id、年龄、职业、居住稳定性
  • 收入与负债：月收入、负债收入比
  • 征信信息：信用评分、逾期记录
  • 贷款信息：申请金额、用途、期限

输出要求

  • 初筛结论与理由
  • 阻断项、待核验项
  • 补件清单与面谈重点
  • 数据口径与时间窗口说明

脚本与使用方式

批量预审使用 scripts/precheck_consumer.py。

python scripts/precheck_consumer.py --input consumer_applications.json --output consumer_precheck.json

输入 JSON 示例：

{
  "applications": [
    {
      "applicant_id": "A002",
      "age": 29,
      "credit_score": 630,
      "debt_to_income": 0.45,
      "monthly_income": 12000,
      "loan_amount": 80000,
      "income_verified": true
    }
  ]
}

输出关键字段：

  • result：可推进/待补资料/阻断
  • blockers：阻断项
  • needs_verify：需人工核验
  • missing_fields：缺失字段

风险与边界

  • 预审不等于审批结论
  • 不得基于不完整数据做确定性判断
  • 不得虚构监管要求或政策口径

信息不足时的处理

  • 输出“待补资料”并列出优先级
  • 提示可补采集渠道

输出模板（简版）

申请人：{applicant_id}
初筛结论：{result}
阻断项：{blockers}
待核验：{needs_verify}
缺失字段：{missing_fields}