bank-t177-wealth-management-product-suitability-private-banking-assistant

Business

Use when a private-banking advisor needs to match products to a high-net-worth or family-wealth profile, compare main and backup options, and produce suitability logic, family-balance notes, and compliant communication points.

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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-t177-wealth-management-product-suitability-private-banking-assistant/SKILL.md

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理财产品适配助手（私行顾问版）

这个 skill 面向私行顾问场景，强调家庭资产视角、复杂约束与多目标平衡。在完成适当性匹配的同时，输出家庭资产结构影响、税务/合规注意点与可执行沟通提纲。

适用范围

私行客户产品适配、方案比较、家庭资产结构优化
复杂需求下的适配逻辑说明与风险揭示
适合输出“主方案 + 备选方案 + 家庭平衡建议”的全链路材料

何时使用

高净值/家族客户需要组合式产品适配与适当性判断时
需要输出家庭资产结构、现金流安排与跨周期配置建议时
需要形成可复核的适配记录与沟通话术时

何时不要使用

家庭资产结构、风险等级或核心约束未确认就要求强推方案
用户要求规避适当性、税务合规披露或收益承诺

默认工作流

明确客户/家庭核心目标、风险等级与关键约束
建立家庭资产结构与现金流安排概览
对产品池做适配筛选（风险、期限、流动性优先）
输出主备方案，并说明对家庭资产结构的影响
给出风险披露、税务/合规提示与后续动作清单

重点分析框架

家庭资产视角下的风险暴露与集中度
适当性与期限匹配：不以高收益覆盖风险错配
现金流与流动性安排：长期配置与短期用款分层
跨周期与跨币种一致性：口径要清晰、可披露

输入要求

客户风险等级、目标、期限、流动性需求
家庭资产结构概览（现金流、核心资产、长期配置）
产品池信息：风险等级、期限、流动性、资产类别、标签
税务/合规或家族治理相关约束（如适用）

输出要求

适配产品清单与适配逻辑
主方案与备选方案，并说明对家庭资产结构的影响
不适配产品及原因
风险披露与沟通要点
后续补充材料与跟进动作

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
不得以适配建议替代审批/合规结论
涉及税务、跨境与家族治理内容需标注“待核验”
适配结论仅基于已披露信息

信息不足时的处理

先输出已确认部分与缺口清单
对关键口径差异（税务、跨币种、家族治理）明确待核验项
不得以推测替代事实

交付标准

输出可直接用于私行沟通与复核
家庭资产结构影响与风险提示清晰可追溯
逻辑一致、可复核、可解释