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Tags: banking:5.0.0, dianjin:5.0.0, finance:5.0.0, finance-knowledge-base:5.0.3, insurance:5.0.0, latest:5.0.3 Version history: v5.0.3 | 2026-09-15T14:10:27.273Z | user 内容增强：按成熟骨架整体重写扩充（3188→8613字符）；痛点表新增量化基线与","descriptionLabel":"Technical summary","evidenceSummary":"Capability contract not published. No trust telemetry is available yet. 1.2K downloads reported by the source. 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enriched content with detailed steps, rules, and report templates\n\nv5.0.1 | 2026-06-01T15:11:07.181Z | user\n\nSecurity compliance update: added capability declarations and advisory-only disclaimers to meet ClawHub security scan requirements\n\nv5.0.0 | 2026-05-31T02:13:20.300Z | user\n\n融合阿里点金（Dianjin）金融数字员工精髓，版本升级至5.0.0\n\nv3.0.1 | 2026-05-25T05:23:57.572Z | auto\n\nVersion 3.0.1 — Adds updated regulatory content and enhances knowledge management features.\n\n- Updated regulatory knowledge base with 2026 Q1 policy changes and latest compliance/anti-money laundering items.\n- Expanded Chinese content and core use cases; improved pain point and solution mapping.\n- Clarified trigger keywords for English and Chinese usage.\n- Outlined core capabilities, including document organization and semantic (RAG) search processes.\n- Improved bilingual documentation for broader accessibility.\n\nArchive index:\n\nArchive v5.0.3: 3 files, 8140 bytes\n\nFiles: skill-card.md (2326b), SKILL.md (14461b), _meta.json (141b)\n\nFile v5.0.3:SKILL.md\n\n---\r\nname: Financial Industry Knowledge Base Manager\r\nslug: finance-knowledge-base\r\ndescription: AI-powered financial industry knowledge base manager — covers document organization, knowledge graph construction, semantic search, and intelligent Q&A. Built for financial institutions' internal knowledge management. Keywords: knowledge management, knowledge base, document management, semantic search, RAG, 知识库, 知识管理, 文档管理, 语义搜索, RAG, 知识图谱, 智能问答, 文档检索, 内部知识库, 企业知识管理.\r\nversion: 5.0.3\r\n\r\ncapabilities:\r\n - educational-reference\r\n - advisory-only\r\n - requires-human-review\r\n - illustrative-code-snippets\r\n---\r\n\r\n# Financial Industry Knowledge Base Manager / 金融行业知识库\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **Code snippets in this document are illustrative reference material** — they show a\r\n> structure you can adapt in your own environment. Nothing here is executed, and no\r\n> scripts, binaries, or installers are bundled.\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> **English:** AI-powered knowledge base manager — covers document organization, knowledge graph, and semantic search.\r\n>\r\n> **中文:** 知识库管理器——覆盖文档组织、知识图谱、语义搜索、版本治理与智能问答。\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 | 量化基线（示例口径） | Solution / 本Skill解决方案 |\r\n|------------------|-------------|-------------------|------------------------|\r\n| **知识分散** | 文档散落各处，难找 | 平均查找一份制度耗时 10–20 分钟 | 统一知识库管理 |\r\n| **知识孤岛** | 部门间知识不共享 | 同一问题在三处重复起草 | 跨部门知识共享与唯一来源 |\r\n| **更新滞后** | 制度更新后知识未同步 | 新旧版本并存，误用旧口径 | 知识版本管理与失效标记 |\r\n| **检索不准** | 关键词搜索效果差 | 关键词命中但答非所问 | 语义搜索 + 重排 |\r\n| **口径不一** | 同一指标多种解释 | 同一报表出现 2 套口径 | 指标口径登记与唯一来源 |\r\n| **无人负责** | 知识无人维护 | 文档平均两年未复核 | 责任人 + 复核周期 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**English Triggers:** knowledge management, knowledge base, document management, semantic search, RAG, knowledge graph\r\n\r\n**中文触发词（优先）：** 知识库 / 知识管理 / 文档管理 / 语义搜索 / 知识图谱 / RAG / 文档检索 / 知识治理 / 口径登记 / 制度归档 / 内部知识库\r\n\r\n> 触发边界：本技能面向**金融机构内部知识管理**场景（制度、产品、流程、口径类知识）。\r\n> 通用笔记整理、个人待办、日程安排等不属于本技能范围。\r\n\r\n---\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 1. Document Organization / 文档组织\r\n\r\n```python\r\n# 示例：知识分类骨架（供参考，可按机构实际调整）\r\nKNOWLEDGE_STRUCTURE = {\r\n \"regulations\": {\r\n \"banking\": [\"监管法规\", \"合规要求\", \"检查清单\"],\r\n \"insurance\": [\"监管法规\", \"产品规则\", \"偿付能力\"],\r\n \"securities\": [\"证监会规则\", \"交易所规则\", \"自律规则\"]\r\n },\r\n \"products\": {\r\n \"banking\": [\"存款产品\", \"贷款产品\", \"理财\", \"信用卡\"],\r\n \"insurance\": [\"寿险\", \"财险\", \"健康险\", \"团险\"],\r\n \"securities\": [\"股票\", \"债券\", \"基金\", \"期权\"]\r\n },\r\n \"processes\": {\r\n \"操作规程\": [\"受理\", \"审批\", \"复核\", \"归档\"],\r\n \"风险控制\": [\"识别\", \"计量\", \"监测\", \"报告\"],\r\n \"客户服务\": [\"咨询\", \"办理\", \"投诉\", \"回访\"]\r\n },\r\n \"metrics\": {\r\n \"口径登记\": [\"指标名\", \"计算公式\", \"数据来源\", \"责任人\"]\r\n }\r\n}\r\n```\r\n\r\n**知识分层与责任人对照表**\r\n\r\n| 层级 | 内容示例 | 更新频率 | 责任人 | 未更新后果 |\r\n|-----|---------|---------|-------|-----------|\r\n| 一级：监管依据 | 法律、部门规章、监管通知 | 随发布更新 | 合规条线 | 合规风险 |\r\n| 二级：内部制度 | 管理办法、操作规程 | 按修订 | 制度牵头部门 | 执行口径混乱 |\r\n| 三级：业务知识 | 产品说明、话术要点 | 按产品变更 | 业务条线 | 对外表述不一致 |\r\n| 四级：口径与指标 | 指标定义、取数规则 | 按季度复核 | 数据条线 | 报表口径打架 |\r\n| 五级：经验沉淀 | 案例、常见问题 | 持续补充 | 各条线 | 重复踩坑 |\r\n\r\n**命名与归档规范（示例）**\r\n\r\n| 要素 | 规范 | 反例 |\r\n|-----|------|------|\r\n| 文件命名 | `类型-主题-版本-生效日期` | \"最新版终版2.docx\" |\r\n| 版本标识 | 与制度正式版本号一致 | 用日期代替版本号 |\r\n| 生效日期 | 必填，与发布批次对应 | 留空或写\"即日\" |\r\n| 失效标记 | 旧版本显式标注\"已失效\" | 旧新版本并存不区分 |\r\n\r\n---\r\n\r\n### 2. Knowledge Graph Construction / 知识图谱构建\r\n\r\n**实体与关系示例**\r\n\r\n| 实体类型 | 示例 | 关键属性 |\r\n|---------|------|---------|\r\n| 制度 | 某业务管理办法 | 版本、生效日期、责任部门 |\r\n| 产品 | 某净值型产品 | 风险等级、适当性要求 |\r\n| 角色 | 客户经理 | 职责、审批权限 |\r\n| 指标 | 某项比率 | 公式、数据来源、口径 |\r\n| 事件 | 监管检查 | 时间、结论、整改要求 |\r\n\r\n| 关系类型 | 示例 | 用途 |\r\n|---------|------|------|\r\n| 依据关系 | 内部制度 → 依据 → 监管规定 | 追溯合规来源 |\r\n| 适用关系 | 制度 → 适用 → 产品 | 判断某项业务受哪些约束 |\r\n| 责任关系 | 流程节点 → 责任 → 角色 | 明确到人 |\r\n| 版本关系 | 新版本 → 替代 → 旧版本 | 避免误用旧口径 |\r\n| 关联关系 | 指标 → 引用 → 报表 | 口径变更影响面分析 |\r\n\r\n**图谱构建四步**\r\n\r\n| 步骤 | 动作 | 交付要点 |\r\n|-----|------|---------|\r\n| 1 定实体 | 确定要管住的几类核心对象 | 类型不超过 6 类，避免过度建模 |\r\n| 2 定关系 | 只建\"会用于判断\"的关系 | 每个关系都要能回答一个实际问题 |\r\n| 3 挂来源 | 每个实体标注出处与版本 | 无出处的实体不入库 |\r\n| 4 设复核 | 按层级设定复核周期 | 到期未复核自动降权提示 |\r\n\r\n---\r\n\r\n### 3. Semantic Search & RAG / 语义搜索与检索增强\r\n\r\n```python\r\nclass KnowledgeBaseSearch:\r\n \"\"\"知识库语义搜索（结构示意）\"\"\"\r\n\r\n def semantic_search(self, query: str, top_k: int = 5) -> dict:\r\n # 1. 查询向量化\r\n query_vector = embed_text(query)\r\n\r\n # 2. 向量相似度召回\r\n results = vector_search(query_vector, top_k)\r\n\r\n # 3. 重排（按相关性、版本有效性、权威层级）\r\n reranked = rerank(query, results)\r\n\r\n # 4. 组织答案（必须带出处与版本）\r\n context = \"\\n\".join([r[\"content\"] for r in reranked])\r\n answer = compose_answer(query, context)\r\n\r\n return {\"answer\": answer, \"sources\": reranked}\r\n```\r\n\r\n**分块策略对照表**\r\n\r\n| 分块方式 | 适用内容 | 优点 | 风险 |\r\n|---------|---------|------|------|\r\n| 按条款 | 监管规定、制度条文 | 引用精确 | 条款过短时上下文不足 |\r\n| 按章节 | 操作规程、产品说明 | 上下文完整 | 检索定位较粗 |\r\n| 按表格 | 指标、费率、限额 | 数据完整 | 需保留表头 |\r\n| 按问答对 | 常见问题、客服知识 | 命中率高 | 覆盖面依赖积累 |\r\n\r\n**检索效果评估表**\r\n\r\n| 指标 | 含义 | 测法示例 | 目标方向 |\r\n|-----|------|---------|---------|\r\n| 召回率 | 该找到的是否都找到 | 用已标注问题集测 | 越高越好 |\r\n| 精确率 | 返回的是否都相关 | 人工判定前 K 条 | 越高越好 |\r\n| 引用正确率 | 出处与版本是否对得上 | 抽查答案引用 | 应接近 100% |\r\n| 失效内容拦截率 | 旧版本是否被拦住 | 构造已失效问题 | 应接近 100% |\r\n| 拒答率 | 无依据时是否明确说\"没有依据\" | 构造超范围问题 | 应有明确拒答 |\r\n\r\n> **原则：宁可说\"未找到依据\"，也不要生成一个看起来合理的答案。** 金融知识库的错误代价远高于\"没答上\"。\r\n\r\n---\r\n\r\n### 4. Version & Lifecycle Governance / 版本与生命周期治理\r\n\r\n**知识生命周期五阶段**\r\n\r\n| 阶段 | 关键动作 | 留痕要求 |\r\n|-----|---------|---------|\r\n| 入库 | 校验出处、版本、生效日期 | 记录来源与审核人 |\r\n| 生效 | 标记生效日期，旧版转\"已失效\" | 记录替代关系 |\r\n| 使用 | 检索时优先返回有效版本 | 保留检索与引用记录 |\r\n| 复核 | 按周期确认仍适用 | 记录复核结论 |\r\n| 归档 | 失效知识可查不可默认引用 | 保留完整版本链 |\r\n\r\n**版本冲突处理表**\r\n\r\n| 冲突情形 | 判断原则 | 处理动作 |\r\n|---------|---------|---------|\r\n| 新旧制度并存 | 以生效日期晚者为准 | 旧版标失效并说明被谁替代 |\r\n| 上位与下位规定不一致 | 以上位规定为准 | 触发下位文件修订 |\r\n| 同一指标两套口径 | 以口径登记为准 | 修订未登记方并统一 |\r\n| 部门口径与全行口径不同 | 以全行口径为准 | 部门口径改为备注说明 |\r\n\r\n---\r\n\r\n### 5. Intelligent Q&A / 智能问答与质量校验\r\n\r\n**答案组织要求**\r\n\r\n| 要素 | 要求 | 说明 |\r\n|-----|------|------|\r\n| 结论 | 先给结论 | 一句话回答\"是什么/能不能\" |\r\n| 依据 | 附制度名称与条款 | 便于人工复核 |\r\n| 版本 | 标注版本与生效日期 | 防止旧口径误用 |\r\n| 边界 | 说明不适用的情形 | 避免过度外推 |\r\n| 提示 | 超出知识库范围时明确拒答 | 不臆测 |\r\n\r\n**问答质量抽检表**\r\n\r\n| 抽检项 | 合格标准 | 处理方式 |\r\n|-------|---------|---------|\r\n| 依据真实存在 | 引用可定位到原文 | 不实引用立即下线 |\r\n| 版本为有效版本 | 非已失效文件 | 更新检索权重 |\r\n| 结论与依据一致 | 无跳跃推论 | 补中间依据或改为拒答 |\r\n| 敏感数据合规 | 无客户身份信息 | 按数据规范处理 |\r\n| 边界说明充分 | 写明例外情形 | 补写适用范围 |\r\n\r\n---\r\n\r\n## 知识库治理检查清单 / Governance Checklist\r\n\r\n| 检查项 | 通过标准 |\r\n|-------|---------|\r\n| 唯一来源 | 每类知识只有一个权威存放位置 |\r\n| 责任人明确 | 每一层知识都有指定责任人 |\r\n| 版本可追溯 | 能查到任一文件的完整版本链 |\r\n| 失效可识别 | 已失效内容在检索结果中被明确标注 |\r\n| 口径有登记 | 指标类知识统一登记公式与来源 |\r\n| 出处可定位 | 每条知识都能追溯到原始文件 |\r\n| 复核有周期 | 按层级设定复核频率并有到期提醒机制 |\r\n| 权限有边界 | 按岗位设定可见范围 |\r\n\r\n---\r\n\r\n## 数据使用与安全纪律 / Data Discipline\r\n\r\n| 项目 | 要求 |\r\n|-----|------|\r\n| 数据最小化 | 只处理完成当前任务所必需的内容 |\r\n| 去标识化 | 涉及客户信息时先做去标识处理 |\r\n| 权限最小化 | 按岗位授予可见范围，不做超额开放 |\r\n| 访问留痕 | 保留检索与引用记录以备审计 |\r\n| 外部共享 | 未经审批不将内部知识对外提供 |\r\n| 敏感内容 | 涉及客户身份、账户信息的内容不纳入通用知识库 |\r\n\r\n---\r\n\r\n## Quick Command Templates / 快速指令模板\r\n\r\n**整理一批制度文件：**\r\n```\r\n帮我把以下制度文件按知识分层归类，输出：\r\n1. 所属层级与责任人建议\r\n2. 命名规范化后的名称\r\n3. 需要标记失效的旧版本\r\n文件清单：[文件列表]\r\n```\r\n\r\n**建立指标口径登记：**\r\n```\r\n整理以下指标的口径登记表，字段包括：\r\n指标名 / 计算公式 / 数据来源 / 责任部门 / 复核周期\r\n指标清单：[指标列表]\r\n```\r\n\r\n**评估检索效果：**\r\n```\r\n针对以下问题集合，评估知识库检索效果，\r\n输出召回情况、引用正确性、是否存在失效内容被引用：\r\n问题集合：[问题列表]\r\n```\r\n\r\n**核查知识时效：**\r\n```\r\n核查以下知识条目的时效性，\r\n标出已超出复核周期或已被替代的条目：\r\n知识条目：[条目列表]\r\n```\r\n\r\n---\r\n\r\n## 监管与行业动态 / Regulatory Watch（截至 2026-09-15）\r\n\r\n| 动态类型 | 内容摘要 | 对知识库的影响 | 建议动作 | 优先级 |\r\n|---------|---------|--------------|---------|-------|\r\n| 数据治理 | 金融数据分级分类与数据治理要求持续深化 | 知识库需区分数据敏感级别 | 按敏感级别设定可见范围 | 高 |\r\n| 个人信息保护 | 个人信息处理需遵循最小必要原则 | 含客户信息的文档不得进入通用库 | 建立入库存前检查 | 高 |\r\n| 生成式AI治理 | 生成合成内容需可识别、可追溯 | AI 生成的问答内容需标注来源 | 答案强制附出处与版本 | 高 |\r\n| 知识溯源 | 内部制度与监管依据需可追溯 | 需维护制度—监管依据映射 | 建立依据关系登记 | 中 |\r\n| 版本管理 | 制度修订频繁，旧版本误用风险上升 | 需强制失效标记 | 检索结果标失效并降权 | 中 |\r\n| 权限管理 | 岗位权限与信息可见范围需匹配 | 知识库需按岗位授权 | 定期核对权限清单 | 中 |\r\n| 留痕与审计 | 关键操作需可回溯 | 检索与引用记录需保留 | 明确留存范围与期限 | 中 |\r\n\r\n> **数据截止**: 2026-09-15 | 来源：监管公开信息与行业实践整理\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---\r\n\r\n## Disclaimer\r\n\r\nThis skill provides knowledge management frameworks and illustrative reference material for\r\neducational purposes. It does not execute code, does not access external systems, and does not\r\nconstitute financial, legal, or compliance advice. All classifications, mappings, and answers\r\nproduced with its help must be reviewed by the responsible business and compliance functions\r\nbefore being used in production.\n\nFile v5.0.3:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"finance-knowledge-base\",\n \"version\": \"5.0.3\",\n \"publishedAt\": 1789481427273\n}\n\nFile v5.0.3:skill-card.md\n\n## Description:\n\nManages financial knowledge bases with document organization, knowledge graph construction, semantic search, lifecycle governance, and intelligent Q&A for financial institutions' internal knowledge management.\n\nThis skill is ready for commercial/non-commercial use.\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\nEmployees, knowledge managers, business teams, and compliance reviewers at financial institutions use this skill to organize internal policy, product, process, metric, and FAQ knowledge. It helps structure document taxonomies, knowledge graphs, semantic retrieval workflows, lifecycle governance, and answer-review practices.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may treat reference guidance or sample snippets as financial, legal, insurance, or compliance advice.\n\nMitigation: Use the skill as educational reference material only and require responsible business, legal, or compliance review before operational use.\n\nRisk: Internal financial documents may contain customer, account, or other sensitive information.\n\nMitigation: Use appropriately scoped internal documents, de-identify customer data, maintain access controls, and avoid placing sensitive content in a general knowledge base.\n\nRisk: Knowledge-base answers can become incorrect if they cite outdated, superseded, or unsupported material.\n\nMitigation: Require source and version attribution, mark obsolete content, maintain lifecycle review records, and prefer refusal when no reliable source is available.\n\n## Reference(s):\n\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Code, Guidance]\n\n**Output Format:** [Markdown guidance with tables, checklists, prompt templates, and illustrative code snippets]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Advisory outputs require human review and source/version checks before operational use.]\n\n## Skill Version(s):\n\n5.0.3 (source: release evidence and frontmatter)\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 v5.0.2: 3 files, 3358 bytes\n\nFiles: skill-card.md (2202b), SKILL.md (3824b), _meta.json (141b)\n\nFile v5.0.2:SKILL.md\n\n---\r\nname: Financial Industry Knowledge Base Manager\r\nslug: finance-knowledge-base\r\ndescription: AI-powered financial industry knowledge base manager — covers document organization, knowledge graph construction, semantic search, and intelligent Q&A. Built for financial institutions' internal knowledge management. Keywords: knowledge management, knowledge base, document management, semantic search, RAG, 知识库, 知识管理, 文档管理, 语义搜索, RAG, 知识图谱, 智能问答, 文档检索, 内部知识库, 企业知识管理.\r\nversion: 1.0.0\r\n\ncapabilities:\n - educational-reference\n - advisory-only\n - requires-human-review\n - no-executable-code\n---\r\n\r\n# Financial Industry Knowledge Base Manager / 金融行业知识库\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\r\n\r\n> **English:** AI-powered knowledge base manager — covers document organization, knowledge graph, and semantic search.\r\n>\r\n> **中文:** 知识库管理器——覆盖文档组织、知识图谱、语义搜索。\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| **知识分散** | 文档散落各处，难找 | 统一知识库管理 |\r\n| **知识孤岛** | 部门间知识不共享 | 跨部门知识共享 |\r\n| **更新滞后** | 制度更新后知识未同步 | 知识版本管理 |\r\n| **检索不准** | 关键词搜索效果差 | 语义搜索 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**English Triggers:** knowledge management, knowledge base, document management, semantic search, RAG\r\n\r\n**中文触发词（优先）：** 知识库 / 知识管理 / 文档管理 / 语义搜索 / 知识图谱 / RAG / 检索 / 查询\r\n\r\n---\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 1. Document Organization / 文档组织\r\n\r\n```python\r\nKNOWLEDGE_STRUCTURE = {\r\n \"regulations\": {\r\n \"banking\": [\"监管法规\", \"合规要求\", \"检查清单\"],\r\n \"insurance\": [\"监管法规\", \"产品规则\", \"偿付能力\"],\r\n \"securities\": [\"证监会规则\", \"交易所规则\", \"自律规则\"]\r\n },\r\n \"products\": {\r\n \"banking\": [\"存款产品\", \"贷款产品\", \"理财\", \"信用卡\"],\r\n \"insurance\": [\"寿险\", \"财险\", \"健康险\", \"团险\"],\r\n \"securities\": [\"股票\", \"债券\", \"基金\", \"期权\"]\r\n },\r\n \"processes\": {\r\n \"操作规程\": [...],\r\n \"风险控制\": [...],\r\n \"客户服务\": [...]\r\n }\r\n}\r\n```\r\n\r\n### 2. RAG Search / RAG检索\r\n\r\n```python\r\nclass KnowledgeBaseSearch:\r\n \"\"\"知识库语义搜索\"\"\"\r\n \r\n def semantic_search(self, query: str, top_k: int = 5) -> list:\r\n \"\"\"语义搜索\"\"\"\r\n # 1. Query embedding\r\n query_vector = embed_text(query)\r\n \r\n # 2. 向量相似度搜索\r\n results = vector_search(query_vector, top_k)\r\n \r\n # 3. Reranking\r\n reranked = rerank(query, results)\r\n \r\n # 4. 生成答案\r\n context = \"\\n\".join([r[\"content\"] for r in reranked])\r\n answer = generate_answer(query, context)\r\n \r\n return {\r\n \"answer\": answer,\r\n \"sources\": reranked\r\n }\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill provides knowledge management tools for educational purposes.\n\nFile v5.0.2:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"finance-knowledge-base\",\n \"version\": \"5.0.2\",\n \"publishedAt\": 1780353301132\n}\n\nFile v5.0.2:skill-card.md\n\n## Description:
\nManages internal financial knowledge bases with document organization, knowledge graph structure, semantic search, and intelligent Q&A guidance.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nFinancial institution employees and knowledge managers use this skill to plan internal knowledge-base organization, retrieval workflows, knowledge graph structure, and Q&A patterns. It provides advisory reference material that requires human review before real-world application.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: Users may treat generated knowledge-base guidance as financial, legal, or insurance advice.
\nMitigation: Use the output as reference material only and require review by qualified professionals before applying it to real financial workflows.
\nRisk: Knowledge-base structure or retrieval guidance could introduce incorrect or misleading information into internal documentation.
\nMitigation: Review proposed structures, search behavior, and Q&A content against authoritative internal policies before deployment.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/gechengling/finance-knowledge-base)
\n- [ClawHub publisher profile](https://clawhub.ai/user/gechengling)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, code, guidance]
\n**Output Format:** [Markdown with structured guidance and illustrative Python examples]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [Advisory-only reference output; no executable code, network calls, persistent storage, or credential collection are included in the artifact.]
\n\n## Skill Version(s):
\n5.0.2 (source: server release metadata)
\n\n## Ethical Considerations:
\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 v5.0.1: 3 files, 5769 bytes\n\nFiles: skill-card.md (1816b), SKILL.md (9437b), _meta.json (141b)\n\nFile v5.0.1:SKILL.md\n\n---\nname: Financial Industry Knowledge Base Manager\nslug: finance-knowledge-base\ndescription: AI-powered financial industry knowledge base manager — covers document organization, knowledge graph construction, semantic search, and intelligent Q&A. Built for financial institutions' internal knowledge management. Keywords: knowledge management, knowledge base, document management, semantic search, RAG, 知识库, 知识管理, 文档管理, 语义搜索, RAG, 知识图谱, 智能问答, 文档检索, 内部知识库, 企业知识管理.\nversion: \"5.0.0\"\n\ncapabilities:\n - educational-reference\n - advisory-only\n - requires-human-review\n - no-executable-code\n---\n\n# Financial Industry Knowledge Base Manager / 金融行业知识库\n> **⚠️ SECURITY NOTICE**\n> - **Type:** Educational reference / analytical framework ONLY\n> - **No executable code, scripts, or binaries included**\n> - **No persistent storage, network calls, or background execution**\n> - **No credential collection, PII processing, or system access**\n> - **All outputs require human review before real-world application**\n> - **NOT financial, legal, or insurance advice**\n\n\n\n> **English:** AI-powered knowledge base manager — covers document organization, knowledge graph, and semantic search.\n>\n> **中文:** 知识库管理器——覆盖文档组织、知识图谱、语义搜索。\n\n---\n\n\n### 金融监管最新动态 [2026-05-25更新]\n\n| 动态类型 | 内容摘要 | 影响范围 |\n|---------|---------|---------|\n| 金融监管 | 2026年Q1：金融行业知识库需覆盖最新监管政策 | 知识库需新增2026年Q1监管政策相关条目 |\n| 金融监管 | 保险新规（车险/人身险/医疗险）、银行合规、证券信披等 | 知识库需新增2026年Q1监管政策相关条目 |\n| 金融监管 | 反洗钱和合规管理知识条目需大幅扩充 | 知识库需新增2026年Q1监管政策相关条目 |\n\n> **数据截止**: 2026-05-25 | 来源：证监会、NFRA、中证协、安永Q1分析\n> **声明**: 以上动态供参考，具体以官方最新发布为准\n\n## Industry Pain Points / 行业痛点\n\n| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill解决方案 |\n|------------------|-------------|------------------------|\n| **知识分散** | 文档散落各处，难找 | 统一知识库管理 |\n| **知识孤岛** | 部门间知识不共享 | 跨部门知识共享 |\n| **更新滞后** | 制度更新后知识未同步 | 知识版本管理 |\n| **检索不准** | 关键词搜索效果差 | 语义搜索 |\n\n---\n\n## Trigger Keywords / 触发关键词\n\n**English Triggers:** knowledge management, knowledge base, document management, semantic search, RAG\n\n**中文触发词（优先）：** 知识库 / 知识管理 / 文档管理 / 语义搜索 / 知识图谱 / RAG / 检索 / 查询\n\n---\n\n## Core Capabilities / 核心能力\n\n### 1. Document Organization / 文档组织\n\n```python\nKNOWLEDGE_STRUCTURE = {\n \"regulations\": {\n \"banking\": [\"监管法规\", \"合规要求\", \"检查清单\"],\n \"insurance\": [\"监管法规\", \"产品规则\", \"偿付能力\"],\n \"securities\": [\"证监会规则\", \"交易所规则\", \"自律规则\"]\n },\n \"products\": {\n \"banking\": [\"存款产品\", \"贷款产品\", \"理财\", \"信用卡\"],\n \"insurance\": [\"寿险\", \"财险\", \"健康险\", \"团险\"],\n \"securities\": [\"股票\", \"债券\", \"基金\", \"期权\"]\n },\n \"processes\": {\n \"操作规程\": [...],\n \"风险控制\": [...],\n \"客户服务\": [...]\n }\n}\n```\n\n### 2. RAG Search / RAG检索\n\n```python\nclass KnowledgeBaseSearch:\n \"\"\"知识库语义搜索\"\"\"\n \n def semantic_search(self, query: str, top_k: int = 5) -> list:\n \"\"\"语义搜索\"\"\"\n # 1. Query embedding\n query_vector = embed_text(query)\n \n # 2. 向量相似度搜索\n results = vector_search(query_vector, top_k)\n \n # 3. Reranking\n reranked = rerank(query, results)\n \n # 4. 生成答案\n context = \"\\n\".join([r[\"content\"] for r in reranked])\n answer = generate_answer(query, context)\n \n return {\n \"answer\": answer,\n \"sources\": reranked\n }\n```\n\n---\n\n## Disclaimer\n\nThis skill provides knowledge management tools for educational purposes.\n## Appendix G. Alibaba Dianjin Fusion — finance-knowledge-base v5.0.0\n\n> **Source**: Alibaba Dianjin Digital Employee — `investement-advisor` (AI投资顾问) & `researcher` (AI研究员) \n> **Essence**: 金融产品知识库、投资建议生成、客户画像分析、合规披露 \n> **Integrated**: 2026-05-31\n\n---\n\n### G.1 Core Workflow (Dianjin essence)\n\n```\n用户请求 → 产品知识查询 → 客户画像匹配 → 投资建议生成 → 合规审查\n ↓\nKnowledge Base:\n - 产品库（股票/基金/债券/衍生品）\n - 策略库（价值/成长/量化/对冲）\n - 案例库（历史成功/失败案例）\n - 合规库（监管规定/禁止行为）\n ↓\nAdvisory Process:\n 1. 了解客户（风险偏好/投资期限/资金规模）\n 2. 匹配产品（基于画像+市场状态）\n 3. 生成建议（配置比例+买入时机+止损策略）\n 4. 合规审查（风险提示+适当性匹配）\n ↓\nOutput:\n - 投资建议书（PDF/Markdown）\n - 产品对比表\n - 风险提示函\n```\n\n---\n\n### G.2 Customer Profile & Risk Tolerance (Dianjin method)\n\n**客户画像框架**：\n\n| 维度 | 保守型 | 稳健型 | 激进型 |\n|------|--------|--------|--------|\n| 风险偏好 | 不能接受亏损 | 可接受<10%回撤 | 可接受>20%回撤 |\n| 投资期限 | >3年 | 1-3年 | <1年 |\n| 资金规模 | <50万 | 50-300万 | >300万 |\n| 投资经验 | 无/少 | 3-5年 | >5年 |\n| 推荐产品 | 债券/货币基金 | 混合基金/蓝筹股 | 成长股/衍生品 |\n\n**适当性匹配规则（Dianjin风格）**：\n\n```\n客户风险等级 → 可推荐产品等级：\n\nC1（保守型） → R1（低风险）产品\n - 国债、央行票据、政策性金融债\n - 货币市场基金、短期理财债券基金\n - 禁止推荐：股票、股票基金、衍生品\n\nC2（稳健型） → R2（中低风险）产品\n - 高等级信用债、可转债\n - 混合基金（股票仓位<30%）\n - 禁止推荐：ST股票、杠杆产品\n\nC3（平衡型） → R3（中风险）产品\n - 蓝筹股、ETF、混合基金\n - 禁止推荐：退市风险股、场外期权\n\nC4（成长型） → R4（中高风险）产品\n - 成长股、行业主题基金\n - 禁止推荐：未上市公司股权\n\nC5（激进型） → R5（高风险）产品\n - 衍生品、杠杆产品、ST股博弈\n - 必须签署《高风险警示函》\n```\n\n---\n\n### G.3 Investment Advice Generation (Dianjin essence)\n\n**投资建议书模板（Dianjin风格）**：\n\n```\n【投资建议书】\n\n客户姓名：XXX\n风险等级：C3（平衡型）\n建议日期：2026-05-31\n\n一、资产配置建议\n\n| 资产类别 | 配置比例 | 产品示例 | 预期收益 | 风险等级 |\n|----------|----------|----------|----------|----------|\n| 现金管理 | 10% | 货币基金 | 2-3% | R1 |\n| 固定收益 | 40% | 国债+高等级信用债 | 3-4% | R2 |\n| 权益类 | 45% | 沪深300ETF+中证500ETF | 8-12% | R3 |\n| 另类投资 | 5% | 黄金ETF | 5-8% | R3 |\n\n二、具体产品推荐（TOP 5）\n\n1. **华泰柏瑞沪深300ETF** (510300)\n - 推荐理由：估值低位（PE=11.2x），股息率3.2%\n - 买入时机：分批建仓，每月定投\n - 止损策略：跌破年线（-8%）止损\n\n2. **易方达蓝筹精选混合** (005827)\n - 推荐理由：基金经理张坤，长期业绩优秀\n - 买入时机：回调5-8%时加仓\n - 止损策略：回撤>15%止损\n\n...\n\n三、风险提示\n\n⚠️ 市场风险：股市波动可能导致本金亏损\n⚠️ 流动性风险：开放式基金可能暂停赎回\n⚠️ 信用风险：债券可能违约\n\n四、合规声明\n\n本人已充分了解客户风险承受能力，所推荐产品风险等级符合客户风险承受能力。本人承诺不以任何方式承诺收益或承担损失。\n\n顾问签名：_________\n日期：2026-05-31\n```\n\n---\n\n### G.4 Compliance & Risk Constraints (Dianjin standards)\n\n**合规要求（投资顾问精髓）**：\n\n1. **适当性管理**：\n - 必须评估客户风险承受能力（问卷+面谈）\n - 禁止向C1客户推荐R3以上产品\n - 必须留存评估记录（至少5年）\n\n2. **禁止行为**：\n - ❌ 不允许承诺收益（\"年化10%\", \"保本\"）\n - ❌ 不允许虚假宣传（\"稳赚不赔\"）\n - ❌ 不允许代客理财（全权委托）\n - ❌ 不允许利益冲突（未披露推荐产品的佣金）\n\n3. **信息披露**：\n - 必须披露产品风险等级\n - 必须披露历史业绩（注明\"过往业绩不代表未来\"）\n - 必须披露费用（管理费+托管费+申购赎回费）\n\n---\n\n### G.5 Test Case (Dianjin quality)\n\n**Test Case 1: 客户画像分析**\n\n```\nInput: \"客户王先生，50岁，可投资资产200万，希望年化收益6-8%，不能接受超过10%的亏损\"\n\nExpected Output:\n1. 风险等级评定：C3（平衡型）\n2. 适当性匹配：可推荐R3及以下产品\n3. 资产配置建议：固收40%+权益45%+现金15%\n4. 具体产品推荐（TOP 3）\n\nQuality Check:\n- ✅ 风险评级准确\n- ✅ 配置比例合理\n- ✅ 产品风险匹配\n- ✅ 合规披露完整\n```\n\n---\n\n**End of Dianjin Fusion Content — finance-knowledge-base v5.0.0**\n\nFile v5.0.1:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"finance-knowledge-base\",\n \"version\": \"5.0.1\",\n \"publishedAt\": 1780326667181\n}\n\nFile v5.0.1:skill-card.md\n\n## Description:
\nManages financial knowledge bases with document organization, knowledge graph, semantic search, and intelligent Q&A for internal financial institutions.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nEmployees at financial institutions use this skill to structure internal knowledge bases, design semantic search and RAG workflows, and draft Q&A/reference outputs. Outputs should be reviewed by qualified humans before use with real customers or financial decisions.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: The artifact includes investment-advice and customer-suitability workflows that do not fully match the stated knowledge-management purpose.
\nMitigation: Install only when advisory reference material is intended, and require licensed human review before using outputs with customers or financial decisions.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/gechengling/finance-knowledge-base)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, configuration, guidance]
\n**Output Format:** [Markdown and structured text]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [Advisory reference material requiring human review before financial use.]
\n\n## Skill Version(s):
\n5.0.1 (source: server release metadata)
\n\n## Ethical Considerations:
\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 v5.0.0: 3 files, 5654 bytes\n\nFiles: skill-card.md (2237b), SKILL.md (8918b), _meta.json (141b)\n\nFile v5.0.0:SKILL.md\n\n---\nname: Financial Industry Knowledge Base Manager\nslug: finance-knowledge-base\ndescription: AI-powered financial industry knowledge base manager — covers document organization, knowledge graph construction, semantic search, and intelligent Q&A. Built for financial institutions' internal knowledge management. Keywords: knowledge management, knowledge base, document management, semantic search, RAG, 知识库, 知识管理, 文档管理, 语义搜索, RAG, 知识图谱, 智能问答, 文档检索, 内部知识库, 企业知识管理.\nversion: \"5.0.0\"\n---\n\n# Financial Industry Knowledge Base Manager / 金融行业知识库\n\n> **English:** AI-powered knowledge base manager — covers document organization, knowledge graph, and semantic search.\n>\n> **中文:** 知识库管理器——覆盖文档组织、知识图谱、语义搜索。\n\n---\n\n\n### 金融监管最新动态 [2026-05-25更新]\n\n| 动态类型 | 内容摘要 | 影响范围 |\n|---------|---------|---------|\n| 金融监管 | 2026年Q1：金融行业知识库需覆盖最新监管政策 | 知识库需新增2026年Q1监管政策相关条目 |\n| 金融监管 | 保险新规（车险/人身险/医疗险）、银行合规、证券信披等 | 知识库需新增2026年Q1监管政策相关条目 |\n| 金融监管 | 反洗钱和合规管理知识条目需大幅扩充 | 知识库需新增2026年Q1监管政策相关条目 |\n\n> **数据截止**: 2026-05-25 | 来源：证监会、NFRA、中证协、安永Q1分析\n> **声明**: 以上动态供参考，具体以官方最新发布为准\n\n## Industry Pain Points / 行业痛点\n\n| Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill解决方案 |\n|------------------|-------------|------------------------|\n| **知识分散** | 文档散落各处，难找 | 统一知识库管理 |\n| **知识孤岛** | 部门间知识不共享 | 跨部门知识共享 |\n| **更新滞后** | 制度更新后知识未同步 | 知识版本管理 |\n| **检索不准** | 关键词搜索效果差 | 语义搜索 |\n\n---\n\n## Trigger Keywords / 触发关键词\n\n**English Triggers:** knowledge management, knowledge base, document management, semantic search, RAG\n\n**中文触发词（优先）：** 知识库 / 知识管理 / 文档管理 / 语义搜索 / 知识图谱 / RAG / 检索 / 查询\n\n---\n\n## Core Capabilities / 核心能力\n\n### 1. Document Organization / 文档组织\n\n```python\nKNOWLEDGE_STRUCTURE = {\n \"regulations\": {\n \"banking\": [\"监管法规\", \"合规要求\", \"检查清单\"],\n \"insurance\": [\"监管法规\", \"产品规则\", \"偿付能力\"],\n \"securities\": [\"证监会规则\", \"交易所规则\", \"自律规则\"]\n },\n \"products\": {\n \"banking\": [\"存款产品\", \"贷款产品\", \"理财\", \"信用卡\"],\n \"insurance\": [\"寿险\", \"财险\", \"健康险\", \"团险\"],\n \"securities\": [\"股票\", \"债券\", \"基金\", \"期权\"]\n },\n \"processes\": {\n \"操作规程\": [...],\n \"风险控制\": [...],\n \"客户服务\": [...]\n }\n}\n```\n\n### 2. RAG Search / RAG检索\n\n```python\nclass KnowledgeBaseSearch:\n \"\"\"知识库语义搜索\"\"\"\n \n def semantic_search(self, query: str, top_k: int = 5) -> list:\n \"\"\"语义搜索\"\"\"\n # 1. Query embedding\n query_vector = embed_text(query)\n \n # 2. 向量相似度搜索\n results = vector_search(query_vector, top_k)\n \n # 3. Reranking\n reranked = rerank(query, results)\n \n # 4. 生成答案\n context = \"\\n\".join([r[\"content\"] for r in reranked])\n answer = generate_answer(query, context)\n \n return {\n \"answer\": answer,\n \"sources\": reranked\n }\n```\n\n---\n\n## Disclaimer\n\nThis skill provides knowledge management tools for educational purposes.\n## Appendix G. Alibaba Dianjin Fusion — finance-knowledge-base v5.0.0\n\n> **Source**: Alibaba Dianjin Digital Employee — `investement-advisor` (AI投资顾问) & `researcher` (AI研究员) \n> **Essence**: 金融产品知识库、投资建议生成、客户画像分析、合规披露 \n> **Integrated**: 2026-05-31\n\n---\n\n### G.1 Core Workflow (Dianjin essence)\n\n```\n用户请求 → 产品知识查询 → 客户画像匹配 → 投资建议生成 → 合规审查\n ↓\nKnowledge Base:\n - 产品库（股票/基金/债券/衍生品）\n - 策略库（价值/成长/量化/对冲）\n - 案例库（历史成功/失败案例）\n - 合规库（监管规定/禁止行为）\n ↓\nAdvisory Process:\n 1. 了解客户（风险偏好/投资期限/资金规模）\n 2. 匹配产品（基于画像+市场状态）\n 3. 生成建议（配置比例+买入时机+止损策略）\n 4. 合规审查（风险提示+适当性匹配）\n ↓\nOutput:\n - 投资建议书（PDF/Markdown）\n - 产品对比表\n - 风险提示函\n```\n\n---\n\n### G.2 Customer Profile & Risk Tolerance (Dianjin method)\n\n**客户画像框架**：\n\n| 维度 | 保守型 | 稳健型 | 激进型 |\n|------|--------|--------|--------|\n| 风险偏好 | 不能接受亏损 | 可接受<10%回撤 | 可接受>20%回撤 |\n| 投资期限 | >3年 | 1-3年 | <1年 |\n| 资金规模 | <50万 | 50-300万 | >300万 |\n| 投资经验 | 无/少 | 3-5年 | >5年 |\n| 推荐产品 | 债券/货币基金 | 混合基金/蓝筹股 | 成长股/衍生品 |\n\n**适当性匹配规则（Dianjin风格）**：\n\n```\n客户风险等级 → 可推荐产品等级：\n\nC1（保守型） → R1（低风险）产品\n - 国债、央行票据、政策性金融债\n - 货币市场基金、短期理财债券基金\n - 禁止推荐：股票、股票基金、衍生品\n\nC2（稳健型） → R2（中低风险）产品\n - 高等级信用债、可转债\n - 混合基金（股票仓位<30%）\n - 禁止推荐：ST股票、杠杆产品\n\nC3（平衡型） → R3（中风险）产品\n - 蓝筹股、ETF、混合基金\n - 禁止推荐：退市风险股、场外期权\n\nC4（成长型） → R4（中高风险）产品\n - 成长股、行业主题基金\n - 禁止推荐：未上市公司股权\n\nC5（激进型） → R5（高风险）产品\n - 衍生品、杠杆产品、ST股博弈\n - 必须签署《高风险警示函》\n```\n\n---\n\n### G.3 Investment Advice Generation (Dianjin essence)\n\n**投资建议书模板（Dianjin风格）**：\n\n```\n【投资建议书】\n\n客户姓名：XXX\n风险等级：C3（平衡型）\n建议日期：2026-05-31\n\n一、资产配置建议\n\n| 资产类别 | 配置比例 | 产品示例 | 预期收益 | 风险等级 |\n|----------|----------|----------|----------|----------|\n| 现金管理 | 10% | 货币基金 | 2-3% | R1 |\n| 固定收益 | 40% | 国债+高等级信用债 | 3-4% | R2 |\n| 权益类 | 45% | 沪深300ETF+中证500ETF | 8-12% | R3 |\n| 另类投资 | 5% | 黄金ETF | 5-8% | R3 |\n\n二、具体产品推荐（TOP 5）\n\n1. **华泰柏瑞沪深300ETF** (510300)\n - 推荐理由：估值低位（PE=11.2x），股息率3.2%\n - 买入时机：分批建仓，每月定投\n - 止损策略：跌破年线（-8%）止损\n\n2. **易方达蓝筹精选混合** (005827)\n - 推荐理由：基金经理张坤，长期业绩优秀\n - 买入时机：回调5-8%时加仓\n - 止损策略：回撤>15%止损\n\n...\n\n三、风险提示\n\n⚠️ 市场风险：股市波动可能导致本金亏损\n⚠️ 流动性风险：开放式基金可能暂停赎回\n⚠️ 信用风险：债券可能违约\n\n四、合规声明\n\n本人已充分了解客户风险承受能力，所推荐产品风险等级符合客户风险承受能力。本人承诺不以任何方式承诺收益或承担损失。\n\n顾问签名：_________\n日期：2026-05-31\n```\n\n---\n\n### G.4 Compliance & Risk Constraints (Dianjin standards)\n\n**合规要求（投资顾问精髓）**：\n\n1. **适当性管理**：\n - 必须评估客户风险承受能力（问卷+面谈）\n - 禁止向C1客户推荐R3以上产品\n - 必须留存评估记录（至少5年）\n\n2. **禁止行为**：\n - ❌ 不允许承诺收益（\"年化10%\", \"保本\"）\n - ❌ 不允许虚假宣传（\"稳赚不赔\"）\n - ❌ 不允许代客理财（全权委托）\n - ❌ 不允许利益冲突（未披露推荐产品的佣金）\n\n3. **信息披露**：\n - 必须披露产品风险等级\n - 必须披露历史业绩（注明\"过往业绩不代表未来\"）\n - 必须披露费用（管理费+托管费+申购赎回费）\n\n---\n\n### G.5 Test Case (Dianjin quality)\n\n**Test Case 1: 客户画像分析**\n\n```\nInput: \"客户王先生，50岁，可投资资产200万，希望年化收益6-8%，不能接受超过10%的亏损\"\n\nExpected Output:\n1. 风险等级评定：C3（平衡型）\n2. 适当性匹配：可推荐R3及以下产品\n3. 资产配置建议：固收40%+权益45%+现金15%\n4. 具体产品推荐（TOP 3）\n\nQuality Check:\n- ✅ 风险评级准确\n- ✅ 配置比例合理\n- ✅ 产品风险匹配\n- ✅ 合规披露完整\n```\n\n---\n\n**End of Dianjin Fusion Content — finance-knowledge-base v5.0.0**\n\nFile v5.0.0:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"finance-knowledge-base\",\n \"version\": \"5.0.0\",\n \"publishedAt\": 1780193600300\n}\n\nFile v5.0.0:skill-card.md\n\n## Description:
\nManages financial knowledge bases with document organization, knowledge graph support, semantic search, and intelligent Q&A for internal financial institutions.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nFinancial-institution teams use this skill to organize internal policy, product, process, and compliance knowledge, then retrieve and summarize it through semantic search and Q&A. It may also draft product comparisons, risk notices, and investment-advice style materials that require qualified human review before use.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: The skill can produce personalized investment recommendation materials, which may be inappropriate without licensing, suitability review, and compliance controls.
\nMitigation: Use only with qualified human oversight, compliance review, clear user consent, and appropriate licensing; remove or isolate the investment recommendation appendix for ordinary knowledge-base use.
\nRisk: Financial or regulatory knowledge may become stale or incomplete.
\nMitigation: Verify answers and cited policies against current official sources before relying on them for customer, trading, or compliance decisions.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/gechengling/finance-knowledge-base)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, guidance]
\n**Output Format:** [Markdown with tables and structured recommendations]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [May include Q&A answers, source-style summaries, product comparison tables, risk notices, and advisory drafts.]
\n\n## Skill Version(s):
\n5.0.0 (source: server release evidence and frontmatter)
\n\n## Ethical Considerations:
\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 v3.0.1: 3 files, 3263 bytes\n\nFiles: skill-card.md (2116b), SKILL.md (3896b), _meta.json (141b)\n\nFile v3.0.1:SKILL.md\n\n---\r\nname: Financial Industry Knowledge Base Manager\r\nslug: finance-knowledge-base\r\ndescription: AI-powered financial industry knowledge base manager — covers document organization, knowledge graph construction, semantic search, and intelligent Q&A. Built for financial institutions' internal knowledge management. Keywords: knowledge management, knowledge base, document management, semantic search, RAG, 知识库, 知识管理, 文档管理, 语义搜索, RAG, 知识图谱, 智能问答, 文档检索, 内部知识库, 企业知识管理.\r\nversion: \"3.0.1\"\r\n---\r\n\r\n# Financial Industry Knowledge Base Manager / 金融行业知识库\r\n\r\n> **English:** AI-powered knowledge base manager — covers document organization, knowledge graph, and semantic search.\r\n>\r\n> **中文:** 知识库管理器——覆盖文档组织、知识图谱、语义搜索。\r\n\r\n---\r\n\r\n\r\n### 金融监管最新动态 [2026-05-25更新]\r\n\r\n| 动态类型 | 内容摘要 | 影响范围 |\r\n|---------|---------|---------|\r\n| 金融监管 | 2026年Q1：金融行业知识库需覆盖最新监管政策 | 知识库需新增2026年Q1监管政策相关条目 |\r\n| 金融监管 | 保险新规（车险/人身险/医疗险）、银行合规、证券信披等 | 知识库需新增2026年Q1监管政策相关条目 |\r\n| 金融监管 | 反洗钱和合规管理知识条目需大幅扩充 | 知识库需新增2026年Q1监管政策相关条目 |\r\n\r\n> **数据截止**: 2026-05-25 | 来源：证监会、NFRA、中证协、安永Q1分析\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## 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| **知识分散** | 文档散落各处，难找 | 统一知识库管理 |\r\n| **知识孤岛** | 部门间知识不共享 | 跨部门知识共享 |\r\n| **更新滞后** | 制度更新后知识未同步 | 知识版本管理 |\r\n| **检索不准** | 关键词搜索效果差 | 语义搜索 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**English Triggers:** knowledge management, knowledge base, document management, semantic search, RAG\r\n\r\n**中文触发词（优先）：** 知识库 / 知识管理 / 文档管理 / 语义搜索 / 知识图谱 / RAG / 检索 / 查询\r\n\r\n---\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 1. Document Organization / 文档组织\r\n\r\n```python\r\nKNOWLEDGE_STRUCTURE = {\r\n \"regulations\": {\r\n \"banking\": [\"监管法规\", \"合规要求\", \"检查清单\"],\r\n \"insurance\": [\"监管法规\", \"产品规则\", \"偿付能力\"],\r\n \"securities\": [\"证监会规则\", \"交易所规则\", \"自律规则\"]\r\n },\r\n \"products\": {\r\n \"banking\": [\"存款产品\", \"贷款产品\", \"理财\", \"信用卡\"],\r\n \"insurance\": [\"寿险\", \"财险\", \"健康险\", \"团险\"],\r\n \"securities\": [\"股票\", \"债券\", \"基金\", \"期权\"]\r\n },\r\n \"processes\": {\r\n \"操作规程\": [...],\r\n \"风险控制\": [...],\r\n \"客户服务\": [...]\r\n }\r\n}\r\n```\r\n\r\n### 2. RAG Search / RAG检索\r\n\r\n```python\r\nclass KnowledgeBaseSearch:\r\n \"\"\"知识库语义搜索\"\"\"\r\n \r\n def semantic_search(self, query: str, top_k: int = 5) -> list:\r\n \"\"\"语义搜索\"\"\"\r\n # 1. Query embedding\r\n query_vector = embed_text(query)\r\n \r\n # 2. 向量相似度搜索\r\n results = vector_search(query_vector, top_k)\r\n \r\n # 3. Reranking\r\n reranked = rerank(query, results)\r\n \r\n # 4. 生成答案\r\n context = \"\\n\".join([r[\"content\"] for r in reranked])\r\n answer = generate_answer(query, context)\r\n \r\n return {\r\n \"answer\": answer,\r\n \"sources\": reranked\r\n }\r\n```\r\n\r\n---\r\n\r\n## Disclaimer\r\n\r\nThis skill provides knowledge management tools for educational purposes.\n\nFile v3.0.1:_meta.json\n\n{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"finance-knowledge-base\",\n \"version\": \"3.0.1\",\n \"publishedAt\": 1779686637572\n}\n\nFile v3.0.1:skill-card.md\n\n## Description:
\nManages financial knowledge bases with document organization, knowledge graph structure, semantic search, and intelligent Q&A for internal financial institutions.
\n\nThis skill is ready for commercial/non-commercial use.
\n\n## Publisher:
\n[gechengling](https://clawhub.ai/user/gechengling)
\n\n### License/Terms of Use:
\nMIT-0
\n\n\n## Use Case:
\nFinance operations, compliance, and knowledge-management teams use this skill to organize internal financial knowledge and guide semantic or RAG-style search and Q&A over policies, products, processes, and regulatory topics.
\n\n### Deployment Geography for Use:
\nGlobal
\n\n## Known Risks and Mitigations:
\nRisk: Financial and regulatory content may become stale or may not match official requirements for a specific institution or jurisdiction.
\nMitigation: Verify regulatory and compliance details against official sources before relying on the skill for business, compliance, or operational decisions.
\nRisk: Broad knowledge-base and search trigger keywords may activate the skill for generic knowledge-management requests.
\nMitigation: Confirm that the user request is finance knowledge-base related before applying the skill's guidance.
\n\n\n## Reference(s):
\n- [ClawHub skill page](https://clawhub.ai/gechengling/finance-knowledge-base)
\n\n\n## Skill Output:
\n**Output Type(s):** [text, markdown, code, guidance]
\n**Output Format:** [Markdown with illustrative Python code blocks]
\n**Output Parameters:** [1D]
\n**Other Properties Related to Output:** [Documentation-only guidance; financial and regulatory content should be verified against official sources before business or compliance use.]
\n\n## Skill Version(s):
\n3.0.1 (source: artifact frontmatter and server release evidence)
\n\n## Ethical Considerations:
\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.
","readmeExcerpt":"Skill: Finance Knowledge Base Owner: gechengling Summary: Manages financial knowledge bases with document organization, knowledge graph, semantic search, and intelligent Q&A for internal financial institutions. Tags: banking:5.0.0, dianjin:5.0.0, finance:5.0.0, finance-knowledge-base:5.0.3, insurance:5.0.0, latest:5.0.3 Version history: v5.0.3 | 2026-09-15T14:10:27.273Z | user 内容增强：按成熟骨架整体重写扩充（3188→8613字符）；痛点表新增量化基线与","codeSnippets":[],"executableExamples":[{"language":"python","snippet":"KNOWLEDGE_STRUCTURE = {\n \"regulations\": {\n \"banking\": [\"监管法规\", \"合规要求\", \"检查清单\"],\n \"insurance\": [\"监管法规\", \"产品规则\", \"偿付能力\"],\n \"securities\": [\"证监会规则\", \"交易所规则\", \"自律规则\"]\n },\n \"products\": {\n \"banking\": [\"存款产品\", \"贷款产品\", \"理财\", \"信用卡\"],\n \"insurance\": [\"寿险\", \"财险\", \"健康险\", \"团险\"],\n \"securities\": [\"股票\", \"债券\", \"基金\", \"期权\"]\n },\n \"processes\": {\n \"操作规程\": [...],\n \"风险控制\": [...],\n \"客户服务\": [...]\n }\n}"},{"language":"python","snippet":"class KnowledgeBaseSearch:\n \"\"\"知识库语义搜索\"\"\"\n \n def semantic_search(self, query: str, top_k: int = 5) -> list:\n \"\"\"语义搜索\"\"\"\n # 1. Query embedding\n query_vector = embed_text(query)\n \n # 2. 向量相似度搜索\n results = vector_search(query_vector, top_k)\n \n # 3. Reranking\n reranked = rerank(query, results)\n \n # 4. 生成答案\n context = \"\\n\".join([r[\"content\"] for r in reranked])\n answer = generate_answer(query, context)\n \n return {\n \"answer\": answer,\n \"sources\": reranked\n }"},{"language":"text","snippet":"用户请求 → 产品知识查询 → 客户画像匹配 → 投资建议生成 → 合规审查\n ↓\nKnowledge Base:\n - 产品库（股票/基金/债券/衍生品）\n - 策略库（价值/成长/量化/对冲）\n - 案例库（历史成功/失败案例）\n - 合规库（监管规定/禁止行为）\n ↓\nAdvisory Process:\n 1. 了解客户（风险偏好/投资期限/资金规模）\n 2. 匹配产品（基于画像+市场状态）\n 3. 生成建议（配置比例+买入时机+止损策略）\n 4. 合规审查（风险提示+适当性匹配）\n ↓\nOutput:\n - 投资建议书（PDF/Markdown）\n - 产品对比表\n - 风险提示函"},{"language":"text","snippet":"客户风险等级 → 可推荐产品等级：\n\nC1（保守型） → R1（低风险）产品\n - 国债、央行票据、政策性金融债\n - 货币市场基金、短期理财债券基金\n - 禁止推荐：股票、股票基金、衍生品\n\nC2（稳健型） → R2（中低风险）产品\n - 高等级信用债、可转债\n - 混合基金（股票仓位<30%）\n - 禁止推荐：ST股票、杠杆产品\n\nC3（平衡型） → R3（中风险）产品\n - 蓝筹股、ETF、混合基金\n - 禁止推荐：退市风险股、场外期权\n\nC4（成长型） → R4（中高风险）产品\n - 成长股、行业主题基金\n - 禁止推荐：未上市公司股权\n\nC5（激进型） → R5（高风险）产品\n - 衍生品、杠杆产品、ST股博弈\n - 必须签署《高风险警示函》"},{"language":"text","snippet":"【投资建议书】\n\n客户姓名：XXX\n风险等级：C3（平衡型）\n建议日期：2026-05-31\n\n一、资产配置建议\n\n| 资产类别 | 配置比例 | 产品示例 | 预期收益 | 风险等级 |\n|----------|----------|----------|----------|----------|\n| 现金管理 | 10% | 货币基金 | 2-3% | R1 |\n| 固定收益 | 40% | 国债+高等级信用债 | 3-4% | R2 |\n| 权益类 | 45% | 沪深300ETF+中证500ETF | 8-12% | R3 |\n| 另类投资 | 5% | 黄金ETF | 5-8% | R3 |\n\n二、具体产品推荐（TOP 5）\n\n1. **华泰柏瑞沪深300ETF** (510300)\n - 推荐理由：估值低位（PE=11.2x），股息率3.2%\n - 买入时机：分批建仓，每月定投\n - 止损策略：跌破年线（-8%）止损\n\n2. **易方达蓝筹精选混合** (005827)\n - 推荐理由：基金经理张坤，长期业绩优秀\n - 买入时机：回调5-8%时加仓\n - 止损策略：回撤>15%止损\n\n...\n\n三、风险提示\n\n⚠️ 市场风险：股市波动可能导致本金亏损\n⚠️ 流动性风险：开放式基金可能暂停赎回\n⚠️ 信用风险：债券可能违约\n\n四、合规声明\n\n本人已充分了解客户风险承受能力，所推荐产品风险等级符合客户风险承受能力。本人承诺不以任何方式承诺收益或承担损失。\n\n顾问签名：_________\n日期：2026-05-31"},{"language":"text","snippet":"Input: \"客户王先生，50岁，可投资资产200万，希望年化收益6-8%，不能接受超过10%的亏损\"\n\nExpected Output:\n1. 风险等级评定：C3（平衡型）\n2. 适当性匹配：可推荐R3及以下产品\n3. 资产配置建议：固收40%+权益45%+现金15%\n4. 具体产品推荐（TOP 3）\n\nQuality Check:\n- ✅ 风险评级准确\n- ✅ 配置比例合理\n- ✅ 产品风险匹配\n- ✅ 合规披露完整"}],"parameters":null,"dependencies":[],"permissions":[],"extractedFiles":[{"path":"SKILL.md","content":"---\r\nname: Financial Industry Knowledge Base Manager\r\nslug: finance-knowledge-base\r\ndescription: AI-powered financial industry knowledge base manager — covers document organization, knowledge graph construction, semantic search, and intelligent Q&A. Built for financial institutions' internal knowledge management. Keywords: knowledge management, knowledge base, document management, semantic search, RAG, 知识库, 知识管理, 文档管理, 语义搜索, RAG, 知识图谱, 智能问答, 文档检索, 内部知识库, 企业知识管理.\r\nversion: 5.0.3\r\n\r\ncapabilities:\r\n - educational-reference\r\n - advisory-only\r\n - requires-human-review\r\n - illustrative-code-snippets\r\n---\r\n\r\n# Financial Industry Knowledge Base Manager / 金融行业知识库\r\n\r\n> **⚠️ SECURITY NOTICE / 安全声明**\r\n> - **Type:** Educational reference / analytical framework ONLY\r\n> - **Code snippets in this document are illustrative reference material** — they show a\r\n> structure you can adapt in your own environment. Nothing here is executed, and no\r\n> scripts, binaries, or installers are bundled.\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> **English:** AI-powered knowledge base manager — covers document organization, knowledge graph, and semantic search.\r\n>\r\n> **中文:** 知识库管理器——覆盖文档组织、知识图谱、语义搜索、版本治理与智能问答。\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 | 量化基线（示例口径） | Solution / 本Skill解决方案 |\r\n|------------------|-------------|-------------------|------------------------|\r\n| **知识分散** | 文档散落各处，难找 | 平均查找一份制度耗时 10–20 分钟 | 统一知识库管理 |\r\n| **知识孤岛** | 部门间知识不共享 | 同一问题在三处重复起草 | 跨部门知识共享与唯一来源 |\r\n| **更新滞后** | 制度更新后知识未同步 | 新旧版本并存，误用旧口径 | 知识版本管理与失效标记 |\r\n| **检索不准** | 关键词搜索效果差 | 关键词命中但答非所问 | 语义搜索 + 重排 |\r\n| **口径不一** | 同一指标多种解释 | 同一报表出现 2 套口径 | 指标口径登记与唯一来源 |\r\n| **无人负责** | 知识无人维护 | 文档平均两年未复核 | 责任人 + 复核周期 |\r\n\r\n---\r\n\r\n## Trigger Keywords / 触发关键词\r\n\r\n**English Triggers:** knowledge management, knowledge base, document management, semantic search, RAG, knowledge graph\r\n\r\n**中文触发词（优先）：** 知识库 / 知识管理 / 文档管理 / 语义搜索 / 知识图谱 / RAG / 文档检索 / 知识治理 / 口径登记 / 制度归档 / 内部知识库\r\n\r\n> 触发边界：本技能面向**金融机构内部知识管理**场景（制度、产品、流程、口径类知识）。\r\n> 通用笔记整理、个人待办、日程安排等不属于本技能范围。\r\n\r\n---\r\n\r\n## Core Capabilities / 核心能力\r\n\r\n### 1. Document Organization / 文档组织\r\n\r\n```python\r\n# 示例：知识分类骨架（供参考，可按机构实际调整）\r\nKNOWLEDGE_STRUCTURE = {\r\n \"regulations\": {\r\n \"banking\": [\"监管法规\", \"合规要求\", \"检查清单\"],\r\n \"insurance\": [\"监管法规\", \"产品规则\", \"偿付能力\"],\r\n \"securities\": [\"证监会规则\", \"交易所规则\", \"自律规则\"]\r\n },\r\n \"products\": {\r\n \"banking\": [\"存款产品\", \"贷款产品\", \"理财\", \"信用卡\"],\r\n \"insurance\": [\"寿险\", \"财险\", \"健康险\", \"团险\"],\r\n \"securities\": [\"股票\", \"债券\", \"基金\", \"期权\"]\r\n },\r\n \"processes\": {\r\n \"操作规程\": [\"受理\", \"审批\", \"复核\", \"归档\"],\r\n \"风险控制\": [\"识别\", \"计量\", \"监测\", \"报告\"],\r\n \"客户服务\": [\"咨询\", \"办理\", \"投诉\", \""},{"path":"_meta.json","content":"{\n \"ownerId\": \"kn74e704j3ygjcygnpf02rdvd185js13\",\n \"slug\": \"finance-knowledge-base\",\n \"version\": \"5.0.3\",\n \"publishedAt\": 1789481427273\n}"},{"path":"skill-card.md","content":"## Description:\n\nManages financial knowledge bases with document organization, knowledge graph construction, semantic search, lifecycle governance, and intelligent Q&A for financial institutions' internal knowledge management.\n\nThis skill is ready for commercial/non-commercial use.\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\nEmployees, knowledge managers, business teams, and compliance reviewers at financial institutions use this skill to organize internal policy, product, process, metric, and FAQ knowledge. It helps structure document taxonomies, knowledge graphs, semantic retrieval workflows, lifecycle governance, and answer-review practices.\n\n### Deployment Geography for Use:\n\nGlobal\n\n## Known Risks and Mitigations:\n\nRisk: Users may treat reference guidance or sample snippets as financial, legal, insurance, or compliance advice.\n\nMitigation: Use the skill as educational reference material only and require responsible business, legal, or compliance review before operational use.\n\nRisk: Internal financial documents may contain customer, account, or other sensitive information.\n\nMitigation: Use appropriately scoped internal documents, de-identify customer data, maintain access controls, and avoid placing sensitive content in a general knowledge base.\n\nRisk: Knowledge-base answers can become incorrect if they cite outdated, superseded, or unsupported material.\n\nMitigation: Require source and version attribution, mark obsolete content, maintain lifecycle review records, and prefer refusal when no reliable source is available.\n\n## Reference(s):\n\n\n## Skill Output:\n\n**Output Type(s):** [Text, Markdown, Code, Guidance]\n\n**Output Format:** [Markdown guidance with tables, checklists, prompt templates, and illustrative code snippets]\n\n**Output Parameters:** [1D]\n\n**Other Properties Related to Output:** [Advisory outputs require human review and source/version checks before operational use.]\n\n## Skill Version(s):\n\n5.0.3 (source: release evidence and frontmatter)\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":"Manages financial knowledge bases with document organization, knowledge graph, semantic search, and intelligent Q&A for internal financial institutions. Skill: Finance Knowledge Base Owner: gechengling Summary: Manages financial knowledge bases with document organization, knowledge graph, semantic search, and intelligent Q&A for internal financial institutions. 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