{"id":"ab5b78b7-8498-4011-a32a-5d0ffb965b3c","entityType":"agent","slug":"clawhub-gechengling-bank-app-wealth-advisor","name":"Bank APP Wealth Advisor Assistant","canonicalUrl":"https://www.xpersona.co/agent/clawhub-gechengling-bank-app-wealth-advisor","canonicalPath":"/agent/clawhub-gechengling-bank-app-wealth-advisor","generatedAt":"2026-10-11T10:52:47.959Z","source":"CLAWHUB","claimStatus":"UNCLAIMED","verificationTier":"NONE","summary":{"evidence":{"source":"editorial-content","verified":true,"confidence":"high","updatedAt":"2026-10-11T07:07:00.793Z","emptyReason":null},"description":"AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams. Skill: Bank APP Wealth Advisor Assistant Owner: gechengling Summary: AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams. Tags: bank-app-wealth-advisor:3.0.3, latest:3.0.3 Version history: v3.0.3 | 2026-09-16T05:45:38.756Z | user v3.0.3: 修正安全声明与正文矛盾(能力标记改为illustrati","descriptionLabel":"Technical summary","evidenceSummary":"Capability contract not published. No trust telemetry is available yet. 1.1K downloads reported by the source. 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Built for digital banking teams.\n\nTags: bank-app-wealth-advisor:3.0.3, latest:3.0.3\n\nVersion history:\n\nv3.0.3 | 2026-09-16T05:45:38.756Z | user\n\nv3.0.3: 修正安全声明与正文矛盾(能力标记改为illustrative-code-samples，明确代码片段不由本Skill执行)；新增数据最小化与合规前置声明；痛点表增可观测指标列与适当性行；新增适当性匹配规则表、匹配过程推演示例；新增4类话术场景表与话术改写示例；合规表增检查方法与违规严重度两列；新增适当性控制流程表、适用场景与常用指令；更新至2026-09-16\n\nv3.0.2 | 2026-06-28T13:14:57.050Z | auto\n\n- Added a new \"银行监管最新动态\" (Banking Regulation Updates) section highlighting recent regulatory actions and requirements as of June 28, 2026.\n- Removed the file skill-card.md.\n- No changes made to code samples or core advisory logic.\n- Updated version number to 3.0.2.\n\nv3.0.1 | 2026-06-04T15:08:05.433Z | auto\n\n## Changelog for bank-app-wealth-advisor 3.0.1\n\n- Strengthened compliance and security language throughout documentation; outputs now emphasized as educational reference only, not financial advice.\n- Updated trigger/activation rules for more precise and safer user engagement.\n- Marked all advisory scripts/examples as methodology demos requiring human and licensed advisor review.\n- Added/clarified compliance checklist and prohibited language tables.\n- Removed the outdated skill-card.md file to avoid redundancy.\n\nv3.0.0 | 2026-05-19T13:46:28.155Z | auto\n\nMajor update: Comprehensive feature and compliance upgrades for digital wealth advisory in China’s banking apps.\n\n- Added a core product matching engine for personalized investment product recommendations based on customer profile and risk.\n- Introduced investment consultation scripts in both Chinese and English, with compliance reminders and contextual product information.\n- Implemented compliance checklists to ensure advisory communications meet regulatory standards (e.g., risk warnings, restricted language).\n- Clearly defined target audience as China commercial bank digital banking teams and wealth managers.\n- Expanded documentation with pain point analysis and detailed trigger keywords for banking app scenarios.\n\nArchive index:\n\nArchive v3.0.3: 3 files, 10418 bytes\n\nFiles: skill-card.md (2316b), SKILL.md (20823b), _meta.json (142b)\n\nFile v3.0.3:SKILL.md\n\n---\r\nname: \"Bank APP Wealth Advisor Assistant\"\r\nslug: bank-app-wealth-advisor\r\ndescription: \"AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\"\r\nversion: 3.0.3\r\nallowed-tools: []\r\ncapabilities:\r\n  - educational-reference\r\n  - advisory-only\r\n  - requires-human-review\r\n  - illustrative-code-samples\r\n---\r\n\r\n# Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **本 Skill 未配置任何工具（`allowed-tools: []`），不会执行代码、不会读写文件、不会发起网络请求、不会访问银行系统或客户账户**\r\n> - **文中出现的 Python 代码为教学示意片段**，用于说明产品匹配与合规校验的方法论逻辑；**这些片段不由本 Skill 运行**，读者若需使用可在自己的环境中自行复制、改造并测试\r\n> - **代码片段不构成可投产的推荐引擎**，实际系统须由持牌机构按适当性管理与数据安全要求自行建设\r\n> - **All outputs are for reference only and require human review before real-world application**\r\n> - **This skill does NOT provide financial, legal, or insurance advice**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n>\r\n> **⚠️ 合规与风险警告**\r\n> - 本技能仅供教育培训参考，**不构成任何投资建议或销售推荐**\r\n> - 资产配置方案和产品匹配为**方法论演示**，实际投资决策须由持牌金融机构及专业人员作出\r\n> - 严禁使用本技能的输出作为\"保本\"\"稳赚\"等承诺性表述的依据\r\n> - 所有理财建议须遵守《商业银行理财业务监督管理办法》及相关监管规定\r\n> - 用户应结合自身风险承受能力独立判断\r\n\r\n## 数据最小化与合规前置声明（每次使用前默认生效）\r\n\r\n- **禁止录入真实客户信息**：不得将真实姓名、手机号、身份证号、账号、持仓明细、风险测评原件录入本 Skill。讨论客户场景时一律使用脱敏画像（如\"45 岁女性客户，风险测评 C3，可投资金 50 万元\"）。\r\n- **不承载生产决策**：本 Skill 的输出可用于培训、话术设计与流程推演，**不得直接作为面向客户的推荐结果**；面向客户的推荐必须在银行合规系统内按适当性管理规则生成。\r\n- **产物先预览后使用**：生成的方案模板、话术与配置示例先在对话中完整呈现，**经合规部门审核通过后方可上线或对外使用**。\r\n- **适当性不可绕过**：任何方案都不得突破客户风险测评等级对应的产品风险等级上限；风险测评过期时须先重新测评。\r\n\r\n## Identity\r\n\r\n**⚠️ 精确触发规则**：仅当用户明确提到银行APP财富管理、智能投顾、产品推荐等相关需求时激活。日常对话提及\"银行\"、\"APP\"、\"理财\"等通用词汇时**不会自动触发**。\r\n\r\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入财富顾问模式：\r\n- \"您需要银行APP财富顾问服务吗？请注意：本技能仅供参考，不构成投资建议。\"\r\n\r\n> **English:** AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\r\n>\r\n> **中文:** 银行APP财富顾问助手——为手机银行提供产品推荐、投资咨询、合规客户交互。适用：数字银行团队、财富管理师。\r\n\r\n---\r\n\r\n## Industry Pain Points / 行业痛点\r\n\r\n| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill参考方案 | 可观测指标（新增） |\r\n| :--- | :--- | :--- | :--- |\r\n| **APP用户粘性低** | 用户用完即走，无深度服务 | AI投顾提升个性化体验 | 月活留存率、人均访问深度 |\r\n| **产品匹配效率低** | 人工推荐成本高 | 智能产品匹配引擎 | 单次推荐耗时、客户经理人效 |\r\n| **合规要求严** | 监管禁止虚假宣传 | 合规话术自动检查 | 话术违规拦截率 |\r\n| **服务覆盖有限** | 人工客服无法7x24 | AI24小时在线解答 | 非工作时间咨询解决率 |\r\n| **交叉销售难** | 客户画像不完整 | 多维度客户分析 | 客户持有产品数 |\r\n| **适当性管理复杂**（新增） | 风险等级与客户错配引发投诉 | 适当性前置校验流程 | 超风险等级销售发生率 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**精确匹配规则**：激活关键词需与银行APP财富管理场景直接相关。\r\n\r\n**English Triggers:** bank APP wealth advisor, digital banking advisor, mobile banking consultation, product recommendation engine, financial planning assistant\r\n\r\n**中文触发词：** 银行APP财富顾问 / 智能投顾建议 / 手机银行理财 / 产品推荐匹配 / 资产配置方案\r\n\r\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\r\n- 个人股票投资建议（请使用投资分析技能）\r\n- 保险产品购买（请使用保险相关技能）\r\n- 具体基金/理财产品购买执行（应通过银行APP官方渠道）\r\n\r\n---\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | 金融监管总局发布《关于银行业保险业人工智能安全开发应用的指导意见》，明确资金交易、资产评估、信贷审批等为AI高风险应用场景 | 2026-06-18 | 银行AI应用合规与信贷风控 |\r\n| 监管计划 | NFRA《2026年规章制定工作计划》新制定《银行业保险业网络安全管理办法》，银行网络安全与数据安全从指导意见升级为刚性规章 | 2026-06-23 | 银行网络安全与数据合规 |\r\n| 监管施行 | NFRA 2026年第2号令《银行保险机构许可证管理办法》6月1日起施行，银行许可证管理纳入内控自评估 | 2026-06-01 | 银行合规审查与许可证管理 |\r\n\r\n> **数据截止**: 2026-06-28 | 来源：国家金融监督管理总局、行业公开信息\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n### 财富管理与AI应用动态 [2026-09-16更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 | 本 Skill 对应动作 |\r\n|---------|---------|---------|---------|-----------------|\r\n| AI 应用治理 | 银行业保险业人工智能安全开发应用要求落地，智能投顾与客户推荐类场景需强化人工复核与留痕 | 2026-Q3 | 智能投顾、产品推荐 | 推荐类输出须标注\"参考\"属性并保留人工复核环节 |\r\n| 适当性管理 | 销售适当性与信息披露持续作为检查重点，超风险等级销售是主要违规类型 | 2026-H1 | 理财、基金代销 | 匹配逻辑中适当性校验为**硬性前置**，不得后置 |\r\n| 消费者权益保护 | 老年客群、低风险承受客群的权益保护受重点关注 | 2026-H1 | 全渠道销售 | 话术模板新增老年客群简化表达要求 |\r\n| 数据安全 | 网络与数据安全管理办法推进，客户画像数据的采集与使用边界更明确 | 2026-Q3 | 客户标签、画像推荐 | 前置声明强化脱敏要求 |\r\n\r\n> **数据截止**: 2026-09-16 | 来源：国家金融监督管理总局及行业公开信息整理\r\n> **声明**: 以上动态供参考，具体条款与执行口径**以官方最新发布为准**\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 1. Product Matching Engine / 产品匹配引擎\r\n\r\n> **⚠️ 以下代码为教学示例，展示产品匹配的方法论逻辑，不构成实际推荐。本 Skill 不执行这些代码；如需使用请在自己的环境中复制、改造并测试。** 实际产品匹配须基于持牌金融机构的合规系统和适当性管理要求。\r\n\r\n#### 适当性匹配规则表（新增，先于代码理解）\r\n\r\n| 客户风险偏好 | 可匹配产品风险等级 | 说明 |\r\n|------------|-----------------|------|\r\n| 保守型 | R1、R2 | 不得向其推荐 R3 及以上产品 |\r\n| 稳健型 | R1、R2、R3 | R3 需额外揭示波动风险 |\r\n| 平衡型 | R2、R3、R4 | R4 需确认客户理解最大回撤 |\r\n| 成长型 | R3、R4、R5 | 需确认客户具备相应投资经验 |\r\n| 激进型 | R4、R5 | 高风险产品需强制风险揭示 |\r\n\r\n> 关键原则：**适当性校验是硬约束，优先级高于匹配度评分**。评分再高，若超出客户风险等级上限也必须剔除，不得作为\"推荐排序靠前\"的理由。\r\n\r\n```python\r\nclass WealthAdvisor:\r\n    \"\"\"智能财富顾问（教学参考）\"\"\"\r\n\r\n    def match_products(self, customer_profile: dict,\r\n                      available_products: list) -> list:\r\n        \"\"\"\r\n        智能产品匹配（教学方法论）\r\n        Args:\r\n            customer_profile: 客户画像\r\n            available_products: 可选产品列表\r\n        \"\"\"\r\n        # 风险匹配\r\n        risk_level_map = {\r\n            \"保守型\": [\"R1\", \"R2\"],\r\n            \"稳健型\": [\"R1\", \"R2\", \"R3\"],\r\n            \"平衡型\": [\"R2\", \"R3\", \"R4\"],\r\n            \"成长型\": [\"R3\", \"R4\", \"R5\"],\r\n            \"激进型\": [\"R4\", \"R5\"]\r\n        }\r\n\r\n        allowed_risk = risk_level_map.get(\r\n            customer_profile.get(\"risk_preference\", \"稳健型\"), [\"R2\", \"R3\"]\r\n        )\r\n\r\n        # 收益匹配\r\n        expected_return = customer_profile.get(\"expected_return\", 0.05)\r\n\r\n        matched = []\r\n        for product in available_products:\r\n            # 风险等级过滤\r\n            if product[\"risk_level\"] not in allowed_risk:\r\n                continue\r\n\r\n            # 收益率匹配\r\n            if product[\"expected_return\"] >= expected_return - 0.02:\r\n                score = self._calculate_match_score(\r\n                    customer_profile, product\r\n                )\r\n                matched.append({\r\n                    **product,\r\n                    \"match_score\": score,\r\n                    \"recommendation_reason\": self._generate_reason(\r\n                        customer_profile, product\r\n                    )\r\n                })\r\n\r\n        return sorted(matched, key=lambda x: x[\"match_score\"], reverse=True)\r\n\r\n    def _calculate_match_score(self, customer: dict,\r\n                               product: dict) -> float:\r\n        \"\"\"计算匹配度评分（教学示例）\"\"\"\r\n        score = 100\r\n\r\n        # 期限匹配\r\n        preferred_term = customer.get(\"preferred_term\", 365)\r\n        product_term = product.get(\"term_days\", 365)\r\n        term_diff = abs(preferred_term - product_term) / 365\r\n        score -= term_diff * 10\r\n\r\n        # 起购金额\r\n        if product.get(\"min_amount\", 0) > customer.get(\"available_fund\", 0):\r\n            score -= 30\r\n\r\n        # 收益率\r\n        expected = customer.get(\"expected_return\", 0.05)\r\n        actual = product.get(\"expected_return\", 0)\r\n        if actual >= expected:\r\n            score += 10\r\n        else:\r\n            score -= abs(actual - expected) * 100\r\n\r\n        return max(0, min(100, score))\r\n```\r\n\r\n**匹配过程示例（新增，用脱敏画像演示）**\r\n\r\n> 客户画像：风险偏好\"稳健型\"、期望年化 4%、可投资金 30 万元、偏好期限 180 天。\r\n> 可选产品（节选）：\r\n>\r\n> | 产品 | 风险等级 | 期限 | 起购 | 参考年化 |\r\n> |------|---------|------|------|---------|\r\n> | A 货币基金 | R1 | 活期 | 1 元 | 1.8% |\r\n> | B 固收理财 | R2 | 180 天 | 1 万元 | 3.6% |\r\n> | C 固收+理财 | R3 | 365 天 | 5 万元 | 4.5% |\r\n> | D 混合基金 | R4 | 活期 | 1 万元 | 6.2% |\r\n>\r\n> 逐步推演：\r\n> 1. **适当性过滤**：客户为稳健型，允许 R1–R3。产品 D（R4）**直接剔除**，即使收益最高也不得进入候选。\r\n> 2. **收益阈值过滤**：期望 4%，阈值 4% − 2% = 2%。产品 A（1.8%）低于阈值被剔除；B、C 通过。\r\n> 3. **评分**：产品 B 期限完全匹配（−0）、起购满足（−0）、收益略低于期望（3.6% vs 4%，−4）→ 约 96 分；产品 C 期限偏离半年（−5）、起购满足、收益达标（+10）→ 约 105 → 截断为 100 分。\r\n> 4. **结果解读**：C 分数更高，但期限偏离客户偏好一倍。**不能只按分数排序就推给客户**，须在推荐理由中说明期限差异，由客户自主选择。\r\n>\r\n> 结论：匹配引擎输出的是**候选与排序建议**，最终推荐须叠加适当性确认、期限告知与人工复核。\r\n\r\n### 2. Investment Consultation Scripts / 投资咨询话术参考\r\n\r\n> **⚠️ 重要声明**：以下话术为**教学参考模板**，展示合规话术的结构和方法。实际使用须经持牌金融机构合规部门审核，并严格遵守《商业银行理财业务监督管理办法》及相关规定。\r\n\r\n```python\r\nINVESTMENT_SCRIPTS = {\r\n    \"基金购买引导\": {\r\n        \"场景\": \"客户咨询基金\",\r\n        \"话术模板\": \"\"\"\r\n        \"您好！根据您的风险测评结果【{risk_level}】，\r\n        我们推荐您关注【{fund_name}】基金（仅供示例参考）。\r\n\r\n        这只基金的特点：\r\n        • 基金类型：{fund_type}\r\n        • 风险等级：{risk_level}\r\n        • 近一年收益：{return_1y}%\r\n        • 基金经理：{manager}（从业{years}年）\r\n\r\n        供您参考的理由：\r\n        1. {reason_1}\r\n        2. {reason_2}\r\n        3. {reason_3}\r\n\r\n        【风险提示】基金有风险，投资需谨慎。过往业绩不代表未来表现。\r\n        本推荐不构成投资建议，请您根据自身情况谨慎决策。\"\r\n        \"\"\",\r\n        \"合规检查\": [\r\n            \"不得承诺保本或最低收益\",\r\n            \"必须说明基金有风险\",\r\n            \"过往业绩仅供参考，不预示未来表现\",\r\n            \"须匹配客户风险等级\"\r\n        ]\r\n    },\r\n\r\n    \"资产配置建议参考\": {\r\n        \"场景\": \"客户有大额资金需配置\",\r\n        \"话术模板\": \"\"\"\r\n        \"张先生/女士，您好！\r\n\r\n        以下是一个参考性的资产配置框架示例：\r\n\r\n        【稳健型配置】40% → 银行存款+国债\r\n        特点：风险较低，收益相对稳定\r\n\r\n        【均衡型配置】30% → 银行理财+债券基金\r\n        特点：收益稳健，波动较小\r\n\r\n        【成长型配置】20% → 混合基金+股票基金\r\n        特点：追求较高收益，承担一定风险\r\n\r\n        【流动性管理】10% → 货币基金\r\n        特点：随存随取，应急备用\r\n\r\n        以上配置方案仅为方法论示例，不构成投资建议。\r\n        实际配置方案须由持牌理财经理根据客户实际情况和合规要求制定。\r\n        \"\r\n        \"\"\"\r\n    }\r\n}\r\n```\r\n\r\n**补充话术场景（新增）**\r\n\r\n| 场景 | 客户典型提问 | 参考回应要点 | 合规红线 |\r\n|------|------------|------------|---------|\r\n| **净值波动安抚** | \"我的理财怎么亏了？\" | 先解释净值化是正常现象，再说明产品风险等级与历史波动区间，最后询问是否需要重新评估风险偏好 | 不得承诺\"会涨回来\"、不得暗示银行兜底 |\r\n| **老年客群咨询** | \"这个产品安全吗？\" | 用更直白的语言说明风险与流动性，建议家人陪同了解，确认是否需要双录 | 不得简化到只讲收益不讲风险 |\r\n| **超风险等级请求** | \"我就要买那个高收益的\" | 说明风险等级不匹配的规定原因，提供同风险等级内的替代选择 | 不得变通绕开适当性限制 |\r\n| **收益对比质疑** | \"别家收益比你们高\" | 说明不同产品的风险等级与期限不可直接比较，不做同业贬损 | 不得贬低同业、不得夸大本行产品 |\r\n\r\n**话术改写示例（新增）**\r\n\r\n> 原表述：\"这款产品很安全，基本不会亏，收益比存款高不少。\"\r\n> 问题：①\"安全\"\"不会亏\"构成变相保本承诺；②与存款直接对比属不当类比。\r\n> 改写：\"这款产品风险等级为 R2，属于中低风险，主要投向债券等固定收益类资产，理论上仍存在净值波动和本金损失的可能，过往业绩不代表未来表现。它的预期收益通常高于同期限存款，但相应也需要您承担一定波动，建议您结合自身风险承受能力选择。\"\r\n> 校验：无保本承诺、有风险提示、无绝对化用语、未贬低存款。\r\n\r\n### 3. Compliance Check / 合规检查清单\r\n\r\n```markdown\r\n## APP投顾合规检查清单\r\n\r\n### 必须包含的要素\r\n| 检查项 | 要求 | 检查方法（新增） |\r\n|-------|------|---------------|\r\n| 风险提示 | 必须出现\"投资有风险\" | 文案全文检索关键词，缺失即拦截 |\r\n| 收益说明 | 不得承诺保本保收益 | 禁用语库比对 |\r\n| 历史业绩 | 必须注明\"仅供参考，不预示未来表现\" | 凡出现业绩数字处校验附注 |\r\n| 适当性 | 必须匹配客户风险等级 | 与客户测评等级做上限校验 |\r\n| 产品揭示 | 须包含产品说明书或风险揭示书 | 检查是否可一键访问揭示文件 |\r\n\r\n### 禁止用语\r\n| 禁止 | 替代 | 违规严重度（新增） |\r\n|-----|------|-----------------|\r\n| \"保本\"/\"保本保息\" | \"风险较低\"\"相对稳健\" | 高：直接违反净值化管理要求 |\r\n| \"稳赚不赔\" | \"追求稳健收益\" | 高：构成收益承诺 |\r\n| \"最低收益X%\" | \"历史平均收益X%（仅供参考）\" | 高：构成最低收益承诺 |\r\n| \"100%安全\" | \"风险可控\" | 高：绝对化用语 |\r\n| \"适合保本需求\" | \"风险偏好较低的投资者可关注\" | 中：暗示保本属性 |\r\n| \"比存款划算\"（新增） | \"预期收益通常高于同期限存款，同时需承担相应波动\" | 中：不当类比 |\r\n| \"限量抢购/最后一天\"（新增） | \"额度有限，售罄为止\" | 中：制造不当紧迫感 |\r\n```\r\n\r\n### 4. Suitability Control Flow / 适当性控制流程（新增）\r\n\r\n| 环节 | 控制动作 | 不通过处置 |\r\n|------|---------|-----------|\r\n| 测评有效性 | 校验客户风险测评是否在有效期内、是否过期 | 过期须重新测评后方可推荐 |\r\n| 等级上限 | 产品风险等级不得高于客户可承受等级 | 直接剔除，不得展示 |\r\n| 特殊客群 | 老年客群、低风险承受客群追加确认与留痕 | 需双录或家人陪同 |\r\n| 揭示确认 | 风险揭示书须客户主动确认已阅读 | 未确认不得进入购买流程 |\r\n| 人工复核 | 大额、高风险、老年客群交易转人工复核 | 复核通过后方可成交 |\r\n| 留痕归档 | 保存推荐依据、客户确认与复核记录 | 缺失留痕视为流程不完整 |\r\n\r\n---\r\n\r\n## Applicable Scenarios / 适用场景（新增）\r\n\r\n- **场景A（APP 智能推荐冷启动）**：无成熟画像，只有基础风险测评\r\n  → 先用\"风险等级 + 期限 + 流动性需求\"三要素做最小可行匹配，避免一开始就上复杂模型\r\n- **场景B（话术合规改造）**：存量话术含保本、绝对化用语\r\n  → 用禁止用语对照表逐条改写，改写后走合规审核与留痕\r\n- **场景C（净值波动客诉高峰）**：市场波动引发集中咨询\r\n  → 用净值波动安抚话术统一口径，先共情再解释，避免承诺性表述\r\n- **场景D（适当性自查）**：检查是否存在超风险等级销售\r\n  → 按适当性控制流程逐环节核对，重点看测评有效期与等级上限校验\r\n\r\n## Quick Prompts / 常用指令（新增）\r\n\r\n- \"帮我按稳健型客户画像演示一次产品匹配的过滤与评分过程\"\r\n- \"这段理财推荐话术帮我做合规自查，标出违规表述并改写\"\r\n- \"客户问'理财怎么亏了'，帮我写一版不违规的回应话术\"\r\n- \"帮我梳理APP投顾的适当性控制流程和各环节不通过的处置方式\"\r\n\r\n---\r\n\r\n## Disclaimer / 免责声明\r\n\r\n> ⚠️ **重要声明**\r\n> - This skill provides wealth advisory tools for **educational reference only**\r\n> - All recommendations must comply with applicable regulations and be reviewed by qualified financial advisors\r\n> - 本技能提供财富顾问工具的**教学参考**，仅供教育用途\r\n> - 所有推荐必须遵守适用的法规，并由合格财务顾问审核\r\n> - **不得**基于本技能输出向客户作出任何保本或收益承诺\r\n> - 实际理财产品销售须通过银行官方渠道完成，并遵循适当性管理要求\r\n> - 本 Skill 未配置任何工具（`allowed-tools: []`），不执行代码、不读写文件、不发起网络请求、不访问银行系统或客户账户；文中 Python 片段为教学示意，需读者在自己环境中自行运行\n\nFile v3.0.3:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-app-wealth-advisor\",\n  \"version\": \"3.0.3\",\n  \"publishedAt\": 1789537538756\n}\n\nFile v3.0.3:skill-card.md\n\n## Description:\n\nAI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction.\n\nThis skill is for demonstration purposes and not for production usage.\n\n## Publisher:\n\n[gechengling](https://clawhub.ai/user/gechengling)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nDigital banking teams, wealth managers, and compliance reviewers use this skill as an educational template for bank-app wealth-advisory flows, product-matching examples, customer interaction scripts, and suitability-control checklists.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may enter real customer identifiers, account details, holdings, or original risk-assessment records into an educational workflow.\n\nMitigation: Use only anonymized or synthetic customer profiles and exclude personal, account, holdings, and original risk-assessment data.\n\nRisk: Outputs may be mistaken for actual financial, legal, insurance, or investment recommendations.\n\nMitigation: Treat outputs as training and template material that requires bank compliance review and qualified professional approval before any real-world use.\n\nRisk: Illustrative code snippets may be copied into production as if they were a complete recommendation engine.\n\nMitigation: Implement, test, and govern any production matching logic separately within a licensed institution's suitability, data-security, and review controls.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-app-wealth-advisor)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Code, Guidance]\n\n**Output Format:** [Markdown with tables, checklists, template language, and illustrative code snippets]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Educational reference output only; no tool execution, file access, network access, or bank-system access.]\n\n## Skill Version(s):\n\n3.0.3 (source: frontmatter and release evidence)\n\n## Ethical Considerations:\n\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment.\n\nArchive v3.0.2: 3 files, 6458 bytes\n\nFiles: skill-card.md (2573b), SKILL.md (11191b), _meta.json (142b)\n\nFile v3.0.2:SKILL.md\n\n---\r\nname: \"Bank APP Wealth Advisor Assistant\"\r\nslug: bank-app-wealth-advisor\r\ndescription: \"AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\"\r\nversion: 3.0.2\r\nallowed-tools: []\r\ncapabilities:\r\n  - educational-reference\r\n  - advisory-only\r\n  - requires-human-review\r\n  - no-executable-code\r\n---\r\n\r\n# Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **No executable code, scripts, or binaries are included in this skill**\r\n> - **No persistent storage, network calls, background execution, or credential collection**\r\n> - **All outputs are for reference only and require human review before real-world application**\r\n> - **This skill does NOT provide financial, legal, or insurance advice**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n>\r\n> **⚠️ 合规与风险警告**\r\n> - 本技能仅供教育培训参考，**不构成任何投资建议或销售推荐**\r\n> - 资产配置方案和产品匹配为**方法论演示**，实际投资决策须由持牌金融机构及专业人员作出\r\n> - 严禁使用本技能的输出作为\"保本\"\"稳赚\"等承诺性表述的依据\r\n> - 所有理财建议须遵守《商业银行理财业务监督管理办法》及相关监管规定\r\n> - 用户应结合自身风险承受能力独立判断\r\n\r\n## Identity\r\n\r\n**⚠️ 精确触发规则**：仅当用户明确提到银行APP财富管理、智能投顾、产品推荐等相关需求时激活。日常对话提及\"银行\"、\"APP\"、\"理财\"等通用词汇时**不会自动触发**。\r\n\r\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入财富顾问模式：\r\n- \"您需要银行APP财富顾问服务吗？请注意：本技能仅供参考，不构成投资建议。\"\r\n\r\n> **English:** AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\r\n>\r\n> **中文:** 银行APP财富顾问助手——为手机银行提供产品推荐、投资咨询、合规客户交互。适用：数字银行团队、财富管理师。\r\n\r\n---\r\n\r\n## Industry Pain Points / 行业痛点\r\n\r\n| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill参考方案 |\r\n| :--- | :--- | :--- |\r\n| **APP用户粘性低** | 用户用完即走，无深度服务 | AI投顾提升个性化体验 |\r\n| **产品匹配效率低** | 人工推荐成本高 | 智能产品匹配引擎 |\r\n| **合规要求严** | 监管禁止虚假宣传 | 合规话术自动检查 |\r\n| **服务覆盖有限** | 人工客服无法7x24 | AI24小时在线解答 |\r\n| **交叉销售难** | 客户画像不完整 | 多维度客户分析 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**精确匹配规则**：激活关键词需与银行APP财富管理场景直接相关。\r\n\r\n**English Triggers:** bank APP wealth advisor, digital banking advisor, mobile banking consultation, product recommendation engine, financial planning assistant\r\n\r\n**中文触发词：** 银行APP财富顾问 / 智能投顾建议 / 手机银行理财 / 产品推荐匹配 / 资产配置方案\r\n\r\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\r\n- 个人股票投资建议（请使用投资分析技能）\r\n- 保险产品购买（请使用保险相关技能）\r\n- 具体基金/理财产品购买执行（应通过银行APP官方渠道）\r\n\r\n---\r\n\r\n\r\n### 银行监管最新动态 [2026-06-28更新]\r\n\r\n| 动态类型 | 内容摘要 | 发布时间 | 影响范围 |\r\n|---------|---------|---------|---------|\r\n| 监管发布 | 金融监管总局发布《关于银行业保险业人工智能安全开发应用的指导意见》，明确资金交易、资产评估、信贷审批等为AI高风险应用场景 | 2026-06-18 | 银行AI应用合规与信贷风控 |\r\n| 监管计划 | NFRA《2026年规章制定工作计划》新制定《银行业保险业网络安全管理办法》，银行网络安全与数据安全从指导意见升级为刚性规章 | 2026-06-23 | 银行网络安全与数据合规 |\r\n| 监管施行 | NFRA 2026年第2号令《银行保险机构许可证管理办法》6月1日起施行，银行许可证管理纳入内控自评估 | 2026-06-01 | 银行合规审查与许可证管理 |\r\n\r\n> **数据截止**: 2026-06-28 | 来源：国家金融监督管理总局、行业公开信息\r\n> **声明**: 以上动态供参考，具体以官方最新发布为准\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 1. Product Matching Engine / 产品匹配引擎\r\n\r\n> **⚠️ 以下代码为教学示例，展示产品匹配的方法论逻辑，不构成实际推荐。** 实际产品匹配须基于持牌金融机构的合规系统和适当性管理要求。\r\n\r\n```python\r\nclass WealthAdvisor:\r\n    \"\"\"智能财富顾问（教学参考）\"\"\"\r\n\r\n    def match_products(self, customer_profile: dict,\r\n                      available_products: list) -> list:\r\n        \"\"\"\r\n        智能产品匹配（教学方法论）\r\n        Args:\r\n            customer_profile: 客户画像\r\n            available_products: 可选产品列表\r\n        \"\"\"\r\n        # 风险匹配\r\n        risk_level_map = {\r\n            \"保守型\": [\"R1\", \"R2\"],\r\n            \"稳健型\": [\"R1\", \"R2\", \"R3\"],\r\n            \"平衡型\": [\"R2\", \"R3\", \"R4\"],\r\n            \"成长型\": [\"R3\", \"R4\", \"R5\"],\r\n            \"激进型\": [\"R4\", \"R5\"]\r\n        }\r\n\r\n        allowed_risk = risk_level_map.get(\r\n            customer_profile.get(\"risk_preference\", \"稳健型\"), [\"R2\", \"R3\"]\r\n        )\r\n\r\n        # 收益匹配\r\n        expected_return = customer_profile.get(\"expected_return\", 0.05)\r\n\r\n        matched = []\r\n        for product in available_products:\r\n            # 风险等级过滤\r\n            if product[\"risk_level\"] not in allowed_risk:\r\n                continue\r\n\r\n            # 收益率匹配\r\n            if product[\"expected_return\"] >= expected_return - 0.02:\r\n                score = self._calculate_match_score(\r\n                    customer_profile, product\r\n                )\r\n                matched.append({\r\n                    **product,\r\n                    \"match_score\": score,\r\n                    \"recommendation_reason\": self._generate_reason(\r\n                        customer_profile, product\r\n                    )\r\n                })\r\n\r\n        return sorted(matched, key=lambda x: x[\"match_score\"], reverse=True)\r\n\r\n    def _calculate_match_score(self, customer: dict,\r\n                               product: dict) -> float:\r\n        \"\"\"计算匹配度评分（教学示例）\"\"\"\r\n        score = 100\r\n\r\n        # 期限匹配\r\n        preferred_term = customer.get(\"preferred_term\", 365)\r\n        product_term = product.get(\"term_days\", 365)\r\n        term_diff = abs(preferred_term - product_term) / 365\r\n        score -= term_diff * 10\r\n\r\n        # 起购金额\r\n        if product.get(\"min_amount\", 0) > customer.get(\"available_fund\", 0):\r\n            score -= 30\r\n\r\n        # 收益率\r\n        expected = customer.get(\"expected_return\", 0.05)\r\n        actual = product.get(\"expected_return\", 0)\r\n        if actual >= expected:\r\n            score += 10\r\n        else:\r\n            score -= abs(actual - expected) * 100\r\n\r\n        return max(0, min(100, score))\r\n```\r\n\r\n### 2. Investment Consultation Scripts / 投资咨询话术参考\r\n\r\n> **⚠️ 重要声明**：以下话术为**教学参考模板**，展示合规话术的结构和方法。实际使用须经持牌金融机构合规部门审核，并严格遵守《商业银行理财业务监督管理办法》及相关规定。\r\n\r\n```python\r\nINVESTMENT_SCRIPTS = {\r\n    \"基金购买引导\": {\r\n        \"场景\": \"客户咨询基金\",\r\n        \"话术模板\": \"\"\"\r\n        \"您好！根据您的风险测评结果【{risk_level}】，\r\n        我们推荐您关注【{fund_name}】基金（仅供示例参考）。\r\n\r\n        这只基金的特点：\r\n        • 基金类型：{fund_type}\r\n        • 风险等级：{risk_level}\r\n        • 近一年收益：{return_1y}%\r\n        • 基金经理：{manager}（从业{years}年）\r\n\r\n        供您参考的理由：\r\n        1. {reason_1}\r\n        2. {reason_2}\r\n        3. {reason_3}\r\n\r\n        【风险提示】基金有风险，投资需谨慎。过往业绩不代表未来表现。\r\n        本推荐不构成投资建议，请您根据自身情况谨慎决策。\"\r\n        \"\"\",\r\n        \"合规检查\": [\r\n            \"不得承诺保本或最低收益\",\r\n            \"必须说明基金有风险\",\r\n            \"过往业绩仅供参考，不预示未来表现\",\r\n            \"须匹配客户风险等级\"\r\n        ]\r\n    },\r\n\r\n    \"资产配置建议参考\": {\r\n        \"场景\": \"客户有大额资金需配置\",\r\n        \"话术模板\": \"\"\"\r\n        \"张先生/女士，您好！\r\n\r\n        以下是一个参考性的资产配置框架示例：\r\n\r\n        【稳健型配置】40% → 银行存款+国债\r\n        特点：风险较低，收益相对稳定\r\n\r\n        【均衡型配置】30% → 银行理财+债券基金\r\n        特点：收益稳健，波动较小\r\n\r\n        【成长型配置】20% → 混合基金+股票基金\r\n        特点：追求较高收益，承担一定风险\r\n\r\n        【流动性管理】10% → 货币基金\r\n        特点：随存随取，应急备用\r\n\r\n        以上配置方案仅为方法论示例，不构成投资建议。\r\n        实际配置方案须由持牌理财经理根据客户实际情况和合规要求制定。\r\n        \"\r\n        \"\"\"\r\n    }\r\n}\r\n```\r\n\r\n### 3. Compliance Check / 合规检查清单\r\n\r\n```markdown\r\n## APP投顾合规检查清单\r\n\r\n### 必须包含的要素\r\n| 检查项 | 要求 |\r\n|-------|------|\r\n| 风险提示 | 必须出现\"投资有风险\" |\r\n| 收益说明 | 不得承诺保本保收益 |\r\n| 历史业绩 | 必须注明\"仅供参考，不预示未来表现\" |\r\n| 适当性 | 必须匹配客户风险等级 |\r\n| 产品揭示 | 须包含产品说明书或风险揭示书 |\r\n\r\n### 禁止用语\r\n| 禁止 | 替代 |\r\n|-----|------|\r\n| \"保本\"/\"保本保息\" | \"风险较低\"\"相对稳健\" |\r\n| \"稳赚不赔\" | \"追求稳健收益\" |\r\n| \"最低收益X%\" | \"历史平均收益X%（仅供参考）\" |\r\n| \"100%安全\" | \"风险可控\" |\r\n| \"适合保本需求\" | \"风险偏好较低的投资者可关注\" |\r\n```\r\n\r\n---\r\n\r\n## Disclaimer / 免责声明\r\n\r\n> ⚠️ **重要声明**\r\n> - This skill provides wealth advisory tools for **educational reference only**\r\n> - All recommendations must comply with applicable regulations and be reviewed by qualified financial advisors\r\n> - 本技能提供财富顾问工具的**教学参考**，仅供教育用途\r\n> - 所有推荐必须遵守适用的法规，并由合格财务顾问审核\r\n> - **不得**基于本技能输出向客户作出任何保本或收益承诺\r\n> - 实际理财产品销售须通过银行官方渠道完成，并遵循适当性管理要求\n\nFile v3.0.2:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-app-wealth-advisor\",\n  \"version\": \"3.0.2\",\n  \"publishedAt\": 1782652497050\n}\n\nFile v3.0.2:skill-card.md\n\n## Description: <br>\nAI-powered wealth advisory assistant for bank mobile applications that provides educational product-matching, investment-consultation, and compliance interaction templates for digital banking teams. <br>\n\nThis skill is for demonstration purposes and not for production usage. <br>\n\n## Publisher: <br>\n[gechengling](https://clawhub.ai/user/gechengling) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nDigital banking teams, wealth managers, and compliance reviewers use this skill as an educational reference for bank mobile-app wealth advisory flows, product-matching examples, customer interaction templates, and compliance checklists. Its outputs require qualified financial-professional and compliance review before any real customer use. <br>\n\n### Deployment Geography for Use: <br>\nGlobal; regulatory examples in the artifact focus on China and must be validated for the user's jurisdiction. <br>\n\n## Known Risks and Mitigations: <br>\nRisk: Sample product-matching and consultation examples may be mistaken for regulated financial advice or customer-ready recommendations. <br>\nMitigation: Use the skill only as educational or internal reference material, and require licensed financial-professional review, compliance approval, suitability checks, and current regulatory validation before customer use. <br>\nRisk: Regulatory examples are date-sensitive and jurisdiction-specific. <br>\nMitigation: Validate all regulatory statements against current official requirements for the target jurisdiction before using the material in a banking workflow. <br>\n\n\n## Reference(s): <br>\n- [ClawHub Skill Page](https://clawhub.ai/gechengling/skills/bank-app-wealth-advisor) <br>\n- [Publisher Profile](https://clawhub.ai/user/gechengling) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [Text, Markdown, Code, Guidance] <br>\n**Output Format:** [Markdown guidance with illustrative Python examples and compliance checklist content] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Reference-only outputs; no tools are allowed and all financial, legal, insurance, suitability, and regulatory guidance requires qualified human review.] <br>\n\n## Skill Version(s): <br>\n3.0.2 (source: server release metadata and skill frontmatter) <br>\n\n## Ethical Considerations: <br>\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment. <br>\n\nArchive v3.0.1: 3 files, 5875 bytes\n\nFiles: skill-card.md (2448b), SKILL.md (9920b), _meta.json (142b)\n\nFile v3.0.1:SKILL.md\n\n---\nname: \"Bank APP Wealth Advisor Assistant\"\nslug: bank-app-wealth-advisor\ndescription: \"AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\"\nversion: 3.0.1\nallowed-tools: []\ncapabilities:\n  - educational-reference\n  - advisory-only\n  - requires-human-review\n  - no-executable-code\n---\n\n# Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手\n\n> **⚠️ SECURITY NOTICE / 安全声明**\n> - **Type:** Educational reference / analytical framework ONLY\n> - **No executable code, scripts, or binaries are included in this skill**\n> - **No persistent storage, network calls, background execution, or credential collection**\n> - **All outputs are for reference only and require human review before real-world application**\n> - **This skill does NOT provide financial, legal, or insurance advice**\n> - **Users must exercise their own judgment and consult qualified professionals**\n>\n> **⚠️ 合规与风险警告**\n> - 本技能仅供教育培训参考，**不构成任何投资建议或销售推荐**\n> - 资产配置方案和产品匹配为**方法论演示**，实际投资决策须由持牌金融机构及专业人员作出\n> - 严禁使用本技能的输出作为\"保本\"\"稳赚\"等承诺性表述的依据\n> - 所有理财建议须遵守《商业银行理财业务监督管理办法》及相关监管规定\n> - 用户应结合自身风险承受能力独立判断\n\n## Identity\n\n**⚠️ 精确触发规则**：仅当用户明确提到银行APP财富管理、智能投顾、产品推荐等相关需求时激活。日常对话提及\"银行\"、\"APP\"、\"理财\"等通用词汇时**不会自动触发**。\n\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入财富顾问模式：\n- \"您需要银行APP财富顾问服务吗？请注意：本技能仅供参考，不构成投资建议。\"\n\n> **English:** AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\n>\n> **中文:** 银行APP财富顾问助手——为手机银行提供产品推荐、投资咨询、合规客户交互。适用：数字银行团队、财富管理师。\n\n---\n\n## Industry Pain Points / 行业痛点\n\n| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill参考方案 |\n| :--- | :--- | :--- |\n| **APP用户粘性低** | 用户用完即走，无深度服务 | AI投顾提升个性化体验 |\n| **产品匹配效率低** | 人工推荐成本高 | 智能产品匹配引擎 |\n| **合规要求严** | 监管禁止虚假宣传 | 合规话术自动检查 |\n| **服务覆盖有限** | 人工客服无法7x24 | AI24小时在线解答 |\n| **交叉销售难** | 客户画像不完整 | 多维度客户分析 |\n\n---\n\n## Trigger Keywords / 触发关键词\n\n**精确匹配规则**：激活关键词需与银行APP财富管理场景直接相关。\n\n**English Triggers:** bank APP wealth advisor, digital banking advisor, mobile banking consultation, product recommendation engine, financial planning assistant\n\n**中文触发词：** 银行APP财富顾问 / 智能投顾建议 / 手机银行理财 / 产品推荐匹配 / 资产配置方案\n\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\n- 个人股票投资建议（请使用投资分析技能）\n- 保险产品购买（请使用保险相关技能）\n- 具体基金/理财产品购买执行（应通过银行APP官方渠道）\n\n---\n\n## Core Capabilities / 核心能力\n\n### 1. Product Matching Engine / 产品匹配引擎\n\n> **⚠️ 以下代码为教学示例，展示产品匹配的方法论逻辑，不构成实际推荐。** 实际产品匹配须基于持牌金融机构的合规系统和适当性管理要求。\n\n```python\nclass WealthAdvisor:\n    \"\"\"智能财富顾问（教学参考）\"\"\"\n\n    def match_products(self, customer_profile: dict,\n                      available_products: list) -> list:\n        \"\"\"\n        智能产品匹配（教学方法论）\n        Args:\n            customer_profile: 客户画像\n            available_products: 可选产品列表\n        \"\"\"\n        # 风险匹配\n        risk_level_map = {\n            \"保守型\": [\"R1\", \"R2\"],\n            \"稳健型\": [\"R1\", \"R2\", \"R3\"],\n            \"平衡型\": [\"R2\", \"R3\", \"R4\"],\n            \"成长型\": [\"R3\", \"R4\", \"R5\"],\n            \"激进型\": [\"R4\", \"R5\"]\n        }\n\n        allowed_risk = risk_level_map.get(\n            customer_profile.get(\"risk_preference\", \"稳健型\"), [\"R2\", \"R3\"]\n        )\n\n        # 收益匹配\n        expected_return = customer_profile.get(\"expected_return\", 0.05)\n\n        matched = []\n        for product in available_products:\n            # 风险等级过滤\n            if product[\"risk_level\"] not in allowed_risk:\n                continue\n\n            # 收益率匹配\n            if product[\"expected_return\"] >= expected_return - 0.02:\n                score = self._calculate_match_score(\n                    customer_profile, product\n                )\n                matched.append({\n                    **product,\n                    \"match_score\": score,\n                    \"recommendation_reason\": self._generate_reason(\n                        customer_profile, product\n                    )\n                })\n\n        return sorted(matched, key=lambda x: x[\"match_score\"], reverse=True)\n\n    def _calculate_match_score(self, customer: dict,\n                               product: dict) -> float:\n        \"\"\"计算匹配度评分（教学示例）\"\"\"\n        score = 100\n\n        # 期限匹配\n        preferred_term = customer.get(\"preferred_term\", 365)\n        product_term = product.get(\"term_days\", 365)\n        term_diff = abs(preferred_term - product_term) / 365\n        score -= term_diff * 10\n\n        # 起购金额\n        if product.get(\"min_amount\", 0) > customer.get(\"available_fund\", 0):\n            score -= 30\n\n        # 收益率\n        expected = customer.get(\"expected_return\", 0.05)\n        actual = product.get(\"expected_return\", 0)\n        if actual >= expected:\n            score += 10\n        else:\n            score -= abs(actual - expected) * 100\n\n        return max(0, min(100, score))\n```\n\n### 2. Investment Consultation Scripts / 投资咨询话术参考\n\n> **⚠️ 重要声明**：以下话术为**教学参考模板**，展示合规话术的结构和方法。实际使用须经持牌金融机构合规部门审核，并严格遵守《商业银行理财业务监督管理办法》及相关规定。\n\n```python\nINVESTMENT_SCRIPTS = {\n    \"基金购买引导\": {\n        \"场景\": \"客户咨询基金\",\n        \"话术模板\": \"\"\"\n        \"您好！根据您的风险测评结果【{risk_level}】，\n        我们推荐您关注【{fund_name}】基金（仅供示例参考）。\n\n        这只基金的特点：\n        • 基金类型：{fund_type}\n        • 风险等级：{risk_level}\n        • 近一年收益：{return_1y}%\n        • 基金经理：{manager}（从业{years}年）\n\n        供您参考的理由：\n        1. {reason_1}\n        2. {reason_2}\n        3. {reason_3}\n\n        【风险提示】基金有风险，投资需谨慎。过往业绩不代表未来表现。\n        本推荐不构成投资建议，请您根据自身情况谨慎决策。\"\n        \"\"\",\n        \"合规检查\": [\n            \"不得承诺保本或最低收益\",\n            \"必须说明基金有风险\",\n            \"过往业绩仅供参考，不预示未来表现\",\n            \"须匹配客户风险等级\"\n        ]\n    },\n\n    \"资产配置建议参考\": {\n        \"场景\": \"客户有大额资金需配置\",\n        \"话术模板\": \"\"\"\n        \"张先生/女士，您好！\n\n        以下是一个参考性的资产配置框架示例：\n\n        【稳健型配置】40% → 银行存款+国债\n        特点：风险较低，收益相对稳定\n\n        【均衡型配置】30% → 银行理财+债券基金\n        特点：收益稳健，波动较小\n\n        【成长型配置】20% → 混合基金+股票基金\n        特点：追求较高收益，承担一定风险\n\n        【流动性管理】10% → 货币基金\n        特点：随存随取，应急备用\n\n        以上配置方案仅为方法论示例，不构成投资建议。\n        实际配置方案须由持牌理财经理根据客户实际情况和合规要求制定。\n        \"\n        \"\"\"\n    }\n}\n```\n\n### 3. Compliance Check / 合规检查清单\n\n```markdown\n## APP投顾合规检查清单\n\n### 必须包含的要素\n| 检查项 | 要求 |\n|-------|------|\n| 风险提示 | 必须出现\"投资有风险\" |\n| 收益说明 | 不得承诺保本保收益 |\n| 历史业绩 | 必须注明\"仅供参考，不预示未来表现\" |\n| 适当性 | 必须匹配客户风险等级 |\n| 产品揭示 | 须包含产品说明书或风险揭示书 |\n\n### 禁止用语\n| 禁止 | 替代 |\n|-----|------|\n| \"保本\"/\"保本保息\" | \"风险较低\"\"相对稳健\" |\n| \"稳赚不赔\" | \"追求稳健收益\" |\n| \"最低收益X%\" | \"历史平均收益X%（仅供参考）\" |\n| \"100%安全\" | \"风险可控\" |\n| \"适合保本需求\" | \"风险偏好较低的投资者可关注\" |\n```\n\n---\n\n## Disclaimer / 免责声明\n\n> ⚠️ **重要声明**\n> - This skill provides wealth advisory tools for **educational reference only**\n> - All recommendations must comply with applicable regulations and be reviewed by qualified financial advisors\n> - 本技能提供财富顾问工具的**教学参考**，仅供教育用途\n> - 所有推荐必须遵守适用的法规，并由合格财务顾问审核\n> - **不得**基于本技能输出向客户作出任何保本或收益承诺\n> - 实际理财产品销售须通过银行官方渠道完成，并遵循适当性管理要求\n\nFile v3.0.1:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-app-wealth-advisor\",\n  \"version\": \"3.0.1\",\n  \"publishedAt\": 1780585685433\n}\n\nFile v3.0.1:skill-card.md\n\n## Description: <br>\nAI-powered wealth advisory assistant for bank mobile applications - provides product recommendations, investment consultation, and compliance-compliant customer interaction. <br>\n\nThis skill is for demonstration purposes and not for production usage. <br>\n\n## Publisher: <br>\n[gechengling](https://clawhub.ai/user/gechengling) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nDigital banking teams and wealth management staff use this skill as an educational reference for bank app wealth-advisory flows, product-matching examples, investment consultation scripts, and compliance checklist language. It is not a substitute for licensed financial, legal, insurance, or investment advice. <br>\n\n### Deployment Geography for Use: <br>\nGlobal <br>\n\n## Known Risks and Mitigations: <br>\nRisk: High-stakes financial-domain outputs could be mistaken for financial, legal, insurance, or investment advice. <br>\nMitigation: Use outputs only as educational templates and require review by qualified licensed professionals before any real customer recommendation or product sale. <br>\nRisk: Product-matching examples or consultation scripts could be reused in regulated banking workflows without proper controls. <br>\nMitigation: Handle real recommendations through official regulated bank systems and apply compliance review, suitability checks, and prohibited-language controls before use. <br>\n\n\n## Reference(s): <br>\n- [ClawHub skill page](https://clawhub.ai/gechengling/bank-app-wealth-advisor) <br>\n- [Publisher profile](https://clawhub.ai/user/gechengling) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [Text, Markdown, Code, Guidance] <br>\n**Output Format:** [Markdown guidance with educational code examples, consultation script templates, and compliance checklist text] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Non-executable educational reference; real customer recommendations or product sales require licensed professional and compliance review through official regulated bank systems.] <br>\n\n## Skill Version(s): <br>\n3.0.1 (source: server release metadata and SKILL.md frontmatter) <br>\n\n## Ethical Considerations: <br>\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment. <br>\n\nArchive v3.0.0: 3 files, 4740 bytes\n\nFiles: skill-card.md (2585b), SKILL.md (7507b), _meta.json (142b)\n\nFile v3.0.0:SKILL.md\n\n---\r\nname: Bank APP Wealth Advisor Assistant\r\nslug: bank-app-wealth-advisor\r\ndescription: AI-powered bank APP wealth advisory assistant — covers product recommendation, investment consultation, financial planning, and compliance-compliant customer interaction for bank mobile applications. Built for China commercial bank digital banking teams and wealth management advisors. Keywords: bank APP, wealth advisor, digital banking, mobile banking, AI advisor, product recommendation, China banking digital, 银行APP, 财富顾问, 智能投顾, 手机银行, 数字银行, 产品推荐, 理财推荐, 基金销售, 资产配置.\r\nversion: \"3.0.0\"\r\n---\r\n\r\n# Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手\r\n\r\n> **English:** AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\r\n>\r\n> **中文:** 银行APP财富顾问助手——为手机银行提供产品推荐、投资咨询、合规客户交互。适用：数字银行团队、财富管理师。\r\n\r\n---\r\n\r\n## Industry Pain Points / 行业痛点\r\n\r\n| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill解决方案 |\r\n|------------------|-------------|------------------------|\r\n| **APP用户粘性低** | 用户用完即走，无深度服务 | AI投顾提升个性化体验 |\r\n| **产品匹配效率低** | 人工推荐成本高 | 智能产品匹配引擎 |\r\n| **合规要求严** | 监管禁止虚假宣传 | 合规话术自动检查 |\r\n| **服务覆盖有限** | 人工客服无法7x24 | AI24小时在线解答 |\r\n| **交叉销售难** | 客户画像不完整 | 多维度客户分析 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**English Triggers:** bank APP, wealth advisor, digital banking, mobile banking, AI advisor, product recommendation, financial planning, customer service\r\n\r\n**中文触发词（优先）：** 银行APP / 财富顾问 / 智能投顾 / 手机银行 / 数字银行 / 产品推荐 / 理财咨询 / 基金销售 / 资产配置 / 客户分层 / 交叉销售 / 合规话术 / 智能客服 / 风险测评 / 适当性匹配\r\n\r\n---\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 1. Product Matching Engine / 产品匹配引擎\r\n\r\n```python\r\nclass WealthAdvisor:\r\n    \"\"\"智能财富顾问\"\"\"\r\n    \r\n    def match_products(self, customer_profile: dict, \r\n                      available_products: list) -> list:\r\n        \"\"\"\r\n        智能产品匹配\r\n        Args:\r\n            customer_profile: 客户画像\r\n            available_products: 可选产品列表\r\n        \"\"\"\r\n        # 风险匹配\r\n        risk_level_map = {\r\n            \"保守型\": [\"R1\", \"R2\"],\r\n            \"稳健型\": [\"R1\", \"R2\", \"R3\"],\r\n            \"平衡型\": [\"R2\", \"R3\", \"R4\"],\r\n            \"成长型\": [\"R3\", \"R4\", \"R5\"],\r\n            \"激进型\": [\"R4\", \"R5\"]\r\n        }\r\n        \r\n        allowed_risk = risk_level_map.get(\r\n            customer_profile.get(\"risk_preference\", \"稳健型\"), [\"R2\", \"R3\"]\r\n        )\r\n        \r\n        # 收益匹配\r\n        expected_return = customer_profile.get(\"expected_return\", 0.05)\r\n        \r\n        matched = []\r\n        for product in available_products:\r\n            # 风险等级过滤\r\n            if product[\"risk_level\"] not in allowed_risk:\r\n                continue\r\n            \r\n            # 收益率匹配\r\n            if product[\"expected_return\"] >= expected_return - 0.02:\r\n                score = self._calculate_match_score(\r\n                    customer_profile, product\r\n                )\r\n                matched.append({\r\n                    **product,\r\n                    \"match_score\": score,\r\n                    \"recommendation_reason\": self._generate_reason(\r\n                        customer_profile, product\r\n                    )\r\n                })\r\n        \r\n        return sorted(matched, key=lambda x: x[\"match_score\"], reverse=True)\r\n    \r\n    def _calculate_match_score(self, customer: dict, \r\n                               product: dict) -> float:\r\n        \"\"\"计算匹配度评分\"\"\"\r\n        score = 100\r\n        \r\n        # 期限匹配\r\n        preferred_term = customer.get(\"preferred_term\", 365)\r\n        product_term = product.get(\"term_days\", 365)\r\n        term_diff = abs(preferred_term - product_term) / 365\r\n        score -= term_diff * 10\r\n        \r\n        # 起购金额\r\n        if product.get(\"min_amount\", 0) > customer.get(\"available_fund\", 0):\r\n            score -= 30\r\n        \r\n        # 收益率\r\n        expected = customer.get(\"expected_return\", 0.05)\r\n        actual = product.get(\"expected_return\", 0)\r\n        if actual >= expected:\r\n            score += 10\r\n        else:\r\n            score -= abs(actual - expected) * 100\r\n        \r\n        return max(0, min(100, score))\r\n```\r\n\r\n### 2. Investment Consultation Scripts / 投资咨询话术\r\n\r\n```python\r\nINVESTMENT_SCRIPTS = {\r\n    \"基金购买引导\": {\r\n        \"场景\": \"客户咨询基金\",\r\n        \"话术\": \"\"\"\r\n        \"您好！根据您的风险测评结果【{risk_level}】，\r\n        我推荐您关注【{fund_name}】基金。\r\n        \r\n        这只基金的特点：\r\n        • 基金类型：{fund_type}\r\n        • 风险等级：{risk_level}\r\n        • 近一年收益：{return_1y}%\r\n        • 基金经理：{manager}（从业{years}年）\r\n        \r\n        适合您的理由：\r\n        1. {reason_1}\r\n        2. {reason_2}\r\n        3. {reason_3}\r\n        \r\n        【风险提示】基金有风险，投资需谨慎。过往业绩不代表未来表现。\r\n        请您根据自身情况谨慎决策。\"\r\n        \"\"\",\r\n        \"合规检查\": [\r\n            \"不得承诺保本\",\r\n            \"必须说明基金有风险\",\r\n            \"过往业绩仅供参考\"\r\n        ]\r\n    },\r\n    \r\n    \"资产配置建议\": {\r\n        \"场景\": \"客户有大额资金\",\r\n        \"话术\": \"\"\"\r\n        \"张先生/女士，您好！\r\n        \r\n        根据您目前的资产状况，我们建议做一个科学的资产配置：\r\n        \r\n        【保守配置】40% → 银行存款+国债\r\n        特点：安全稳健，适合保本需求\r\n        \r\n        【稳健配置】30% → 银行理财+债券基金\r\n        特点：收益稳健，波动较小\r\n        \r\n        【成长配置】20% → 混合基金+股票基金\r\n        特点：追求较高收益，承担一定风险\r\n        \r\n        【流动性】10% → 货币基金\r\n        特点：随存随取，应急备用\r\n        \r\n        这个配置方案可以帮助您分散风险，\r\n        同时实现资产的稳健增值。\"\r\n        \"\"\"\r\n    }\r\n}\r\n```\r\n\r\n### 3. Compliance Check / 合规检查\r\n\r\n```markdown\r\n## APP投顾合规检查清单\r\n\r\n### 必须包含的要素\r\n| 检查项 | 要求 |\r\n|-------|------|\r\n| 风险提示 | 必须出现\"投资有风险\" |\r\n| 收益说明 | 不得承诺保本保收益 |\r\n| 历史业绩 | 必须注明\"仅供参考\" |\r\n| 适当性 | 必须匹配客户风险等级 |\r\n| 产品揭示 | 必须包含产品说明书链接 |\r\n\r\n### 禁止用语\r\n| 禁止 | 替代 |\r\n|-----|------|\r\n| \"保本\" | \"相对稳健\" |\r\n| \"稳赚不赔\" | \"追求稳健收益\" |\r\n| \"最低收益X%\" | \"历史平均收益X%\" |\r\n| \"100%安全\" | \"风险可控\" |\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill provides wealth advisory tools for educational purposes. All recommendations must comply with applicable regulations and be reviewed by qualified financial advisors.\n\nFile v3.0.0:_meta.json\n\n{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-app-wealth-advisor\",\n  \"version\": \"3.0.0\",\n  \"publishedAt\": 1779198388155\n}\n\nFile v3.0.0:skill-card.md\n\n## Description: <br>\nAI-powered bank app wealth advisory assistant for product recommendation, investment consultation, financial planning, and compliance-aware customer interaction in mobile banking workflows. <br>\n\nThis skill is ready for commercial/non-commercial use. <br>\n\n## Publisher: <br>\n[gechengling](https://clawhub.ai/user/gechengling) <br>\n\n### License/Terms of Use: <br>\nMIT-0 <br>\n\n\n## Use Case: <br>\nChina commercial bank digital banking teams and wealth management advisors use this skill to draft product matching logic, advisory scripts, financial planning copy, and compliance checklists for mobile banking wealth workflows. <br>\n\n### Deployment Geography for Use: <br>\nChina <br>\n\n## Known Risks and Mitigations: <br>\nRisk: Investment-advice script wording may conflict with the skill's own compliance rules around principal preservation or guaranteed outcomes. <br>\nMitigation: Remove principal-preservation or guarantee-like wording before use and require qualified compliance review of all advisory scripts. <br>\nRisk: Generated product recommendations or asset allocation suggestions may be unsuitable for a specific customer. <br>\nMitigation: Require a qualified financial advisor to review recommendations against customer risk assessment, suitability rules, and current product disclosures before customer use. <br>\nRisk: Broad banking and wealth-management trigger keywords could activate the skill in conversations outside the intended advisory workflow. <br>\nMitigation: Narrow activation triggers to approved wealth-advisory scenarios and avoid customer-facing use until the workflow has been reviewed. <br>\n\n\n## Reference(s): <br>\n- [ClawHub skill page](https://clawhub.ai/gechengling/bank-app-wealth-advisor) <br>\n- [Publisher profile](https://clawhub.ai/user/gechengling) <br>\n- [Skill definition](artifact/SKILL.md) <br>\n\n\n## Skill Output: <br>\n**Output Type(s):** [Text, Markdown, Code, Guidance] <br>\n**Output Format:** [Markdown with Python and Markdown code blocks] <br>\n**Output Parameters:** [1D] <br>\n**Other Properties Related to Output:** [Produces advisory drafts and example logic that require qualified financial and compliance review before customer use.] <br>\n\n## Skill Version(s): <br>\n3.0.0 (source: evidence release metadata and SKILL.md frontmatter) <br>\n\n## Ethical Considerations: <br>\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment. <br>","readmeExcerpt":"Skill: Bank APP Wealth Advisor Assistant Owner: gechengling Summary: AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams. Tags: bank-app-wealth-advisor:3.0.3, latest:3.0.3 Version history: v3.0.3 | 2026-09-16T05:45:38.756Z | user v3.0.3: 修正安全声明与正文矛盾(能力标记改为illustrati","codeSnippets":[],"executableExamples":[{"language":"python","snippet":"class WealthAdvisor:\n    \"\"\"智能财富顾问（教学参考）\"\"\"\n\n    def match_products(self, customer_profile: dict,\n                      available_products: list) -> list:\n        \"\"\"\n        智能产品匹配（教学方法论）\n        Args:\n            customer_profile: 客户画像\n            available_products: 可选产品列表\n        \"\"\"\n        # 风险匹配\n        risk_level_map = {\n            \"保守型\": [\"R1\", \"R2\"],\n            \"稳健型\": [\"R1\", \"R2\", \"R3\"],\n            \"平衡型\": [\"R2\", \"R3\", \"R4\"],\n            \"成长型\": [\"R3\", \"R4\", \"R5\"],\n            \"激进型\": [\"R4\", \"R5\"]\n        }\n\n        allowed_risk = risk_level_map.get(\n            customer_profile.get(\"risk_preference\", \"稳健型\"), [\"R2\", \"R3\"]\n        )\n\n        # 收益匹配\n        expected_return = customer_profile.get(\"expected_return\", 0.05)\n\n        matched = []\n        for product in available_products:\n            # 风险等级过滤\n            if product[\"risk_level\"] not in allowed_risk:\n                continue\n\n            # 收益率匹配\n            if product[\"expected_return\"] >= expected_return - 0.02:\n                score = self._calculate_match_score(\n                    customer_profile, product\n                )\n                matched.append({\n                    **product,\n                    \"match_score\": score,\n                    \"recommendation_reason\": self._generate_reason(\n                        customer_profile, product\n                    )\n                })\n\n        return sorted(matched, key=lambda x: x[\"match_score\"], reverse=True)\n\n    def _calculate_match_score(self, customer: dict,\n                               product: dict) -> float:\n        \"\"\"计算匹配度评分（教学示例）\"\"\"\n        score = 100\n\n        # 期限匹配\n        preferred_term = customer.get(\"preferred_term\", 365)\n        product_term = product.get(\"term_days\", 365)\n        term_diff = abs(preferred_term - product_term) / 365\n        score -= term_diff * 10\n\n        # 起购金额\n        if product.get(\"min_amount\", 0) > customer.get(\"available_fund\", 0):\n            score -= 30\n\n        # 收益率\n        expected = customer.ge"},{"language":"python","snippet":"INVESTMENT_SCRIPTS = {\n    \"基金购买引导\": {\n        \"场景\": \"客户咨询基金\",\n        \"话术模板\": \"\"\"\n        \"您好！根据您的风险测评结果【{risk_level}】，\n        我们推荐您关注【{fund_name}】基金（仅供示例参考）。\n\n        这只基金的特点：\n        • 基金类型：{fund_type}\n        • 风险等级：{risk_level}\n        • 近一年收益：{return_1y}%\n        • 基金经理：{manager}（从业{years}年）\n\n        供您参考的理由：\n        1. {reason_1}\n        2. {reason_2}\n        3. {reason_3}\n\n        【风险提示】基金有风险，投资需谨慎。过往业绩不代表未来表现。\n        本推荐不构成投资建议，请您根据自身情况谨慎决策。\"\n        \"\"\",\n        \"合规检查\": [\n            \"不得承诺保本或最低收益\",\n            \"必须说明基金有风险\",\n            \"过往业绩仅供参考，不预示未来表现\",\n            \"须匹配客户风险等级\"\n        ]\n    },\n\n    \"资产配置建议参考\": {\n        \"场景\": \"客户有大额资金需配置\",\n        \"话术模板\": \"\"\"\n        \"张先生/女士，您好！\n\n        以下是一个参考性的资产配置框架示例：\n\n        【稳健型配置】40% → 银行存款+国债\n        特点：风险较低，收益相对稳定\n\n        【均衡型配置】30% → 银行理财+债券基金\n        特点：收益稳健，波动较小\n\n        【成长型配置】20% → 混合基金+股票基金\n        特点：追求较高收益，承担一定风险\n\n        【流动性管理】10% → 货币基金\n        特点：随存随取，应急备用\n\n        以上配置方案仅为方法论示例，不构成投资建议。\n        实际配置方案须由持牌理财经理根据客户实际情况和合规要求制定。\n        \"\n        \"\"\"\n    }\n}"},{"language":"markdown","snippet":"## APP投顾合规检查清单\n\n### 必须包含的要素\n| 检查项 | 要求 |\n|-------|------|\n| 风险提示 | 必须出现\"投资有风险\" |\n| 收益说明 | 不得承诺保本保收益 |\n| 历史业绩 | 必须注明\"仅供参考，不预示未来表现\" |\n| 适当性 | 必须匹配客户风险等级 |\n| 产品揭示 | 须包含产品说明书或风险揭示书 |\n\n### 禁止用语\n| 禁止 | 替代 |\n|-----|------|\n| \"保本\"/\"保本保息\" | \"风险较低\"\"相对稳健\" |\n| \"稳赚不赔\" | \"追求稳健收益\" |\n| \"最低收益X%\" | \"历史平均收益X%（仅供参考）\" |\n| \"100%安全\" | \"风险可控\" |\n| \"适合保本需求\" | \"风险偏好较低的投资者可关注\" |"}],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\r\nname: \"Bank APP Wealth Advisor Assistant\"\r\nslug: bank-app-wealth-advisor\r\ndescription: \"AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\"\r\nversion: 3.0.3\r\nallowed-tools: []\r\ncapabilities:\r\n  - educational-reference\r\n  - advisory-only\r\n  - requires-human-review\r\n  - illustrative-code-samples\r\n---\r\n\r\n# Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **本 Skill 未配置任何工具（`allowed-tools: []`），不会执行代码、不会读写文件、不会发起网络请求、不会访问银行系统或客户账户**\r\n> - **文中出现的 Python 代码为教学示意片段**，用于说明产品匹配与合规校验的方法论逻辑；**这些片段不由本 Skill 运行**，读者若需使用可在自己的环境中自行复制、改造并测试\r\n> - **代码片段不构成可投产的推荐引擎**，实际系统须由持牌机构按适当性管理与数据安全要求自行建设\r\n> - **All outputs are for reference only and require human review before real-world application**\r\n> - **This skill does NOT provide financial, legal, or insurance advice**\r\n> - **Users must exercise their own judgment and consult qualified professionals**\r\n>\r\n> **⚠️ 合规与风险警告**\r\n> - 本技能仅供教育培训参考，**不构成任何投资建议或销售推荐**\r\n> - 资产配置方案和产品匹配为**方法论演示**，实际投资决策须由持牌金融机构及专业人员作出\r\n> - 严禁使用本技能的输出作为\"保本\"\"稳赚\"等承诺性表述的依据\r\n> - 所有理财建议须遵守《商业银行理财业务监督管理办法》及相关监管规定\r\n> - 用户应结合自身风险承受能力独立判断\r\n\r\n## 数据最小化与合规前置声明（每次使用前默认生效）\r\n\r\n- **禁止录入真实客户信息**：不得将真实姓名、手机号、身份证号、账号、持仓明细、风险测评原件录入本 Skill。讨论客户场景时一律使用脱敏画像（如\"45 岁女性客户，风险测评 C3，可投资金 50 万元\"）。\r\n- **不承载生产决策**：本 Skill 的输出可用于培训、话术设计与流程推演，**不得直接作为面向客户的推荐结果**；面向客户的推荐必须在银行合规系统内按适当性管理规则生成。\r\n- **产物先预览后使用**：生成的方案模板、话术与配置示例先在对话中完整呈现，**经合规部门审核通过后方可上线或对外使用**。\r\n- **适当性不可绕过**：任何方案都不得突破客户风险测评等级对应的产品风险等级上限；风险测评过期时须先重新测评。\r\n\r\n## Identity\r\n\r\n**⚠️ 精确触发规则**：仅当用户明确提到银行APP财富管理、智能投顾、产品推荐等相关需求时激活。日常对话提及\"银行\"、\"APP\"、\"理财\"等通用词汇时**不会自动触发**。\r\n\r\n**用户确认规则**：匹配以下关键词时，需先向用户确认后再进入财富顾问模式：\r\n- \"您需要银行APP财富顾问服务吗？请注意：本技能仅供参考，不构成投资建议。\"\r\n\r\n> **English:** AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams.\r\n>\r\n> **中文:** 银行APP财富顾问助手——为手机银行提供产品推荐、投资咨询、合规客户交互。适用：数字银行团队、财富管理师。\r\n\r\n---\r\n\r\n## Industry Pain Points / 行业痛点\r\n\r\n| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill参考方案 | 可观测指标（新增） |\r\n| :--- | :--- | :--- | :--- |\r\n| **APP用户粘性低** | 用户用完即走，无深度服务 | AI投顾提升个性化体验 | 月活留存率、人均访问深度 |\r\n| **产品匹配效率低** | 人工推荐成本高 | 智能产品匹配引擎 | 单次推荐耗时、客户经理人效 |\r\n| **合规要求严** | 监管禁止虚假宣传 | 合规话术自动检查 | 话术违规拦截率 |\r\n| **服务覆盖有限** | 人工客服无法7x24 | AI24小时在线解答 | 非工作时间咨询解决率 |\r\n| **交叉销售难** | 客户画像不完整 | 多维度客户分析 | 客户持有产品数 |\r\n| **适当性管理复杂**（新增） | 风险等级与客户错配引发投诉 | 适当性前置校验流程 | 超风险等级销售发生率 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**精确匹配规则**：激活关键词需与银行APP财富管理场景直接相关。\r\n\r\n**English Triggers:** bank APP wealth advisor, digital banking advisor, mobile banking consultation, product recommendation engine, financial planning assistant\r\n\r\n**中文触发词：** 银行APP财富顾问 / 智能投顾建议 / 手机银行理财 / 产品推荐匹配 / 资产配置方案\r\n\r\n**不适用场景**（若用户意图属于以下范畴，请引导至其他技能）：\r\n- 个人股票投资建议（请使用投资分析技能）\r\n- 保险产品购买（请使用保险相关技能）\r\n- "},{"path":"_meta.json","content":"{\n  \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n  \"slug\": \"bank-app-wealth-advisor\",\n  \"version\": \"3.0.3\",\n  \"publishedAt\": 1789537538756\n}"},{"path":"skill-card.md","content":"## Description:\n\nAI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction.\n\nThis skill is for demonstration purposes and not for production usage.\n\n## Publisher:\n\n[gechengling](https://clawhub.ai/user/gechengling)\n\n### License/Terms of Use:\n\nMIT-0\n\n## Use Case:\n\nDigital banking teams, wealth managers, and compliance reviewers use this skill as an educational template for bank-app wealth-advisory flows, product-matching examples, customer interaction scripts, and suitability-control checklists.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may enter real customer identifiers, account details, holdings, or original risk-assessment records into an educational workflow.\n\nMitigation: Use only anonymized or synthetic customer profiles and exclude personal, account, holdings, and original risk-assessment data.\n\nRisk: Outputs may be mistaken for actual financial, legal, insurance, or investment recommendations.\n\nMitigation: Treat outputs as training and template material that requires bank compliance review and qualified professional approval before any real-world use.\n\nRisk: Illustrative code snippets may be copied into production as if they were a complete recommendation engine.\n\nMitigation: Implement, test, and govern any production matching logic separately within a licensed institution's suitability, data-security, and review controls.\n\n## Reference(s):\n\n- [ClawHub skill page](https://clawhub.ai/gechengling/skills/bank-app-wealth-advisor)\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Code, Guidance]\n\n**Output Format:** [Markdown with tables, checklists, template language, and illustrative code snippets]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Educational reference output only; no tool execution, file access, network access, or bank-system access.]\n\n## Skill Version(s):\n\n3.0.3 (source: frontmatter and release evidence)\n\n## Ethical Considerations:\n\nUsers should evaluate whether this skill is appropriate for their environment, review any generated or modified files before relying on them, and apply their organization's safety, security, and compliance requirements before deployment."}],"languages":[],"docsSourceLabel":"CLAWHUB","editorialOverview":"AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams. Skill: Bank APP Wealth Advisor Assistant Owner: gechengling Summary: AI-powered wealth advisory assistant for bank mobile applications — provides product recommendations, investment consultation, and compliance-compliant customer interaction. Built for digital banking teams. Tags: bank-app-wealth-advisor:3.0.3, latest:3.0.3 Version history: v3.0.3 | 2026-09-16T05:45:38.756Z | user v3.0.3: 修正安全声明与正文矛盾(能力标记改为illustrati","editorialQuality":{"score":100,"threshold":65,"status":"ready","wordCount":1069,"uniquenessScore":49,"reasons":[]}},"media":{"evidence":{"source":"no-media","verified":false,"confidence":"low","updatedAt":"2026-10-11T07:07:00.793Z","emptyReason":"No screenshots, media assets, or demo links are available."},"primaryImageUrl":null,"mediaAssetCount":0,"assets":[],"demoUrl":null},"ownerResources":{"evidence":{"source":"unclaimed","verified":false,"confidence":"low","updatedAt":"2026-10-11T07:07:00.793Z","emptyReason":"This page has not been claimed by the agent owner."},"hasCustomPage":false,"customPageUpdatedAt":null,"customLinks":[],"structuredLinks":{"docsUrl":null,"demoUrl":null,"supportUrl":null,"pricingUrl":null,"statusUrl":null},"customPage":null},"relatedAgents":{"evidence":{"source":"protocol-neighbors","verified":false,"confidence":"medium","updatedAt":"2026-10-11T10:52:47.959Z","emptyReason":null},"items":[{"id":"8ebccd8e-3863-4187-8355-c3f14e1f9edf","entityType":"agent","canonicalPath":"/agent/iofficeai-aionui","slug":"iofficeai-aionui","name":"AionUi","description":"Free, local, open-source 24/7 Cowork app and OpenClaw for Gemini CLI, Claude Code, Codex, OpenCode, Qwen Code, Goose CLI, Auggie, and more | 🌟 Star if you like it!","url":"https://github.com/iOfficeAI/AionUi","homepage":"https://www.aionui.com","source":"GITHUB_REPOS","protocols":["MCP","OPENCLAW"],"capabilities":[],"safetyScore":100,"overallRank":70,"updatedAt":"2026-10-09T19:11:12.944Z","createdAt":"2026-02-25T03:38:16.584Z","downloads":null},{"id":"b917f68a-ebff-438e-84f8-3f4b2494c0bc","entityType":"agent","canonicalPath":"/agent/activepieces-activepieces","slug":"activepieces-activepieces","name":"activepieces","description":"AI Agents & MCPs & AI Workflow Automation • (~400 MCP servers for AI agents) • AI Automation / AI Agent with MCPs • AI Workflows & AI Agents • MCPs for AI Agents","url":"https://github.com/activepieces/activepieces","homepage":"https://www.activepieces.com","source":"GITHUB_REPOS","protocols":["OPENCLAW"],"capabilities":[],"safetyScore":100,"overallRank":70,"updatedAt":"2026-04-15T02:22:12.426Z","createdAt":"2026-02-25T03:38:12.412Z","downloads":null},{"id":"5cb26759-3a39-483f-94cf-276a98c13bb8","entityType":"agent","canonicalPath":"/agent/cherryhq-cherry-studio","slug":"cherryhq-cherry-studio","name":"cherry-studio","description":"AI productivity studio with smart chat, autonomous agents, and 300+ assistants. 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