bank-t176-wealth-management-product-suitability-rm-assistant

Business

Use when a relationship manager needs to match wealth-management products to a client profile, compare main and backup options, and produce compliant suitability notes, communication points, and follow-up actions.

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How to use this skill

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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-t176-wealth-management-product-suitability-rm-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-t176-wealth-management-product-suitability-rm-assistant/. Do not write files or run scripts until I approve.

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

理财产品适配助手（理财经理版）

这个 skill 面向银行财富管理一线理财经理，核心是把客户画像、风险承受能力、期限与流动性约束、当前持仓与产品池做出清晰的适当性匹配，并生成可直接用于客户沟通的适配结论与合规提示。

适用范围

理财产品适配、可售产品筛选、主备选方案比较
客户风险匹配校验、适当性记录、合规解释话术
适合理财经理在客户面谈前形成清晰的推荐逻辑与风险提示

何时使用

需要在产品池中筛出适配产品并形成主/备方案时
需要输出“为什么推荐/为什么不推荐”的可解释结论时
需要同步产出风险提示、信息缺口与后续跟进动作时

何时不要使用

客户风险等级、期限或流动性约束未确认就要求直接给出强推荐
用户要求规避适当性、合规披露或承诺收益

默认工作流

汇总客户画像与核心约束：风险等级、期限、流动性、目标用途
拉取产品池与关键信息：风险等级、期限、流动性、资产类别
进行适配筛选：风险/期限/流动性硬约束优先
输出主方案与备选方案，标注不适配产品与原因
给出风险披露话术、客户沟通提纲与下一步跟进清单

重点分析框架

适当性：产品风险等级 ≤ 客户风险等级
期限匹配：产品最低持有期 ≤ 客户可接受期限
流动性匹配：产品流动性 ≥ 客户流动性需求
目标匹配：收益/稳健/流动性目标与产品标签一致
证据链：适配结论可追溯到客户信息与产品要素

输入要求

客户画像：风险等级、投资期限、流动性需求、目标用途
现有持仓（如需诊断）：资产类别、金额、期限、流动性
产品池：产品名称、风险等级、期限、流动性、资产类别、标签
其他约束：禁投品类、偏好资产类别、监管或渠道限制

输出要求

适配产品清单与评分说明
不适配产品及原因
主方案与备选方案（含适配逻辑）
风险提示、沟通要点与后续行动

代码与文件

scripts/run_skill.py：运行适配评估并输出 Markdown/JSON
共享引擎：shared/wealth_management_skill_engine.py

示例命令：

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

参考资料

references/input-schema.md
references/output-schema.md
references/suitability-checklist.md
references/client-interview-outline.md
references/risk-disclosure-points.md

风险与边界

不得承诺收益或回本
不得在缺少关键字段时输出确定性结论
不得把适配建议包装成审批结论
需清晰区分已确认信息与待核验信息

信息不足时的处理

明确列出缺失信息与优先补充项
输出可用的适配框架与待确认事项，不凭空补全
依赖外部材料的内容必须标注“待确认/待补充”

交付标准

输出可被理财经理直接用于客户沟通
适配逻辑可解释、可追溯、可复核
风险提示、合规边界与下一步动作齐全