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bank-t168-retail-finance-complaint-attribution-assistant

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当用户需要在银行零售金融场景下，对客户投诉进行归因拆解、驱动项识别、问题定位与改进建议输出时使用本技能。适合输出归因结论、证据链与后续改进动作。

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How to use this skill

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I want to install this Agent Skill for this project in Codex.

Source SKILL.md: https://github.com/aifinlab/FinClaw/blob/HEAD/skills/bank-t168-retail-finance-complaint-attribution-assistant/SKILL.md

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First, summarize what it does, its dependencies, license status if identifiable, and any risks. Show the exact files you propose to add under .agents/skills/bank-t168-retail-finance-complaint-attribution-assistant/. Do not write files or run scripts until I approve.

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

客诉归因助手

本技能用于将投诉数据转化为“可解释的归因结论 + 可落地的改进动作”。强调口径一致、证据链清晰、相关性与因果区分，不用于替代审计或法律意见。

适用范围

  • 客服与运营的投诉归因分析
  • 重点产品或渠道的客诉专题诊断
  • 服务改进与流程复盘

何时使用

  • 需要识别投诉的主要驱动项与集中环节时
  • 需要把投诉数据翻译成业务可执行的改进建议时

何时不要使用

  • 没有样本、口径或时间窗口时
  • 需要正式审计或法律意见才能定责的场景

默认工作流

  1. 明确投诉口径、时间窗口与样本范围
  2. 进行类型/产品/渠道/环节分布拆解
  3. 识别TOP驱动项与证据链缺口
  4. 输出改进动作与复盘指标

重点分析框架

  • 现象是否稳定，是否为结构性问题
  • 驱动项是否可解释、可行动
  • 流程环节是否存在共性阻塞点
  • 归因结论的证据充分度

输入要求

  • 最低可用输入：time_window、complaints
  • 推荐输入字段见 references/input-schema.md

输出要求

  • 投诉归因摘要与TOP驱动项
  • 类型、产品、渠道、环节分布
  • 证据缺口与补充建议
  • 改进动作与复盘建议

风险与边界

  • 不将相关性直接等同因果
  • 不输出“定责”结论，需保留待核验提示

信息不足时的处理

  • 样本不足时仅输出趋势观察与补充建议
  • 缺少口径说明时必须标注

交付标准

  • 归因结论可解释、可追溯
  • 动作建议可落地、可复盘

配套脚本

python scripts/run_skill.py --input assets/example-input.json --format markdown
python scripts/run_skill.py --input assets/example-input.json --format json

脚本入口：scripts/run_skill.py（调用 shared/retail_service_ops_skill_engine.py 的 t168 场景）。