Skill: gechengling/security-app-wealth-advisor (version 3.0.1)

--- name: Bank APP Wealth Advisor Assistant slug: bank-app-wealth-advisor description: 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. version: "3.0.1" --- # Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手 ### 银行监管最新动态 [2026-05-25更新] | 动态类型 | 内容摘要 | 影响范围 | |---------|---------|---------| | 银行监管 | 2026年Q1理财信息披露'三清'推进，财富管理话术需更新 | 投顾话术和策略模板需适配市场新环境 | | 银行监管 | 净息差压力下，银行理财产品收益率下行，投顾建议需调整 | 投顾话术和策略模板需适配市场新环境 | | 银行监管 | 2026年A股量化资金占比30%-40%，财富管理策略需关注量化冲击 | 投顾话术和策略模板需适配市场新环境 | > **数据截止**: 2026-05-25 | 来源：国家金融监督管理总局、安永Q1分析、行业公开信息 > **声明**: 以上动态供参考，具体以官方最新发布为准 > **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. > > **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。 --- ## Industry Pain Points / 行业痛点 | Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill解决方案 | |------------------|-------------|------------------------| | **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 | | **产品匹配效率低** | 人工推荐成本高 | 智能产品匹配引擎 | | **合规要求严** | 监管禁止虚假宣传 | 合规话术自动检查 | | **服务覆盖有限** | 人工客服无法7x24 | AI24小时在线解答 | | **交叉销售难** | 客户画像不完整 | 多维度客户分析 | --- ## Trigger Keywords / 触发关键词 **English Triggers:** bank APP, wealth advisor, digital banking, mobile banking, AI advisor, product recommendation, financial planning, customer service **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 --- ## Core Capabilities / 核心能力 ### 1. Product Matching Engine / 产品匹配引擎 ```python class WealthAdvisor: """智能财富顾问""" def match_products(self, customer_profile: dict, available_products: list) -> list: """ 智能产品匹配 Args: customer_profile: 客户画像 available_products: 可选产品列表 """ # 风险匹配 risk_level_map = { "保守型": ["R1", "R2"], "稳健型": ["R1", "R2", "R3"], "平衡型": ["R2", "R3", "R4"], "成长型": ["R3", "R4", "R5"], "激进型": ["R4", "R5"] } allowed_risk = risk_level_map.get( customer_profile.get("risk_preference", "稳健型"), ["R2", "R3"] ) # 收益匹配 expected_return = customer_profile.get("expected_return", 0.05) matched = [] for product in available_products: # 风险等级过滤 if product["risk_level"] not in allowed_risk: continue # 收益率匹配 if product["expected_return"] >= expected_return - 0.02: score = self._calculate_match_score( customer_profile, product ) matched.append({ **product, "match_score": score, "recommendation_reason": self._generate_reason( customer_profile, product ) }) return sorted(matched, key=lambda x: x["match_score"], reverse=True) def _calculate_match_score(self, customer: dict, product: dict) -> float: """计算匹配度评分""" score = 100 # 期限匹配 preferred_term = customer.get("preferred_term", 365) product_term = product.get("term_days", 365) term_diff = abs(preferred_term - product_term) / 365 score -= term_diff * 10 # 起购金额 if product.get("min_amount", 0) > customer.get("available_fund", 0): score -= 30 # 收益率 expected = customer.get("expected_return", 0.05) actual = product.get("expected_return", 0) if actual >= expected: score += 10 else: score -= abs(actual - expected) * 100 return max(0, min(100, score)) ``` ### 2. Investment Consultation Scripts / 投资咨询话术 ```python INVESTMENT_SCRIPTS = { "基金购买引导": { "场景": "客户咨询基金", "话术": """ "您好！根据您的风险测评结果【{risk_level}】， 我推荐您关注【{fund_name}】基金。 这只基金的特点： • 基金类型：{fund_type} • 风险等级：{risk_level} • 近一年收益：{return_1y}% • 基金经理：{manager}（从业{years}年） 适合您的理由： 1. {reason_1} 2. {reason_2} 3. {reason_3} 【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。 请您根据自身情况谨慎决策。" """, "合规检查": [ "不得承诺保本", "必须说明基金有风险", "过往业绩仅供参考" ] }, "资产配置建议": { "场景": "客户有大额资金", "话术": """ "张先生/女士，您好！ 根据您目前的资产状况，我们建议做一个科学的资产配置： 【保守配置】40% → 银行存款+国债 特点：安全稳健，适合保本需求 【稳健配置】30% → 银行理财+债券基金 特点：收益稳健，波动较小 【成长配置】20% → 混合基金+股票基金 特点：追求较高收益，承担一定风险 【流动性】10% → 货币基金 特点：随存随取，应急备用 这个配置方案可以帮助您分散风险， 同时实现资产的稳健增值。" """ } } ``` ### 3. Compliance Check / 合规检查 ```markdown ## APP投顾合规检查清单 ### 必须包含的要素 | 检查项 | 要求 | |-------|------| | 风险提示 | 必须出现"投资有风险" | | 收益说明 | 不得承诺保本保收益 | | 历史业绩 | 必须注明"仅供参考" | | 适当性 | 必须匹配客户风险等级 | | 产品揭示 | 必须包含产品说明书链接 | ### 禁止用语 | 禁止 | 替代 | |-----|------| | "保本" | "相对稳健" | | "稳赚不赔" | "追求稳健收益" | | "最低收益X%" | "历史平均收益X%" | | "100%安全" | "风险可控" | ``` --- ## Disclaimer This skill provides wealth advisory tools for educational purposes. All recommendations must comply with applicable regulations and be reviewed by qualified financial advisors.


Security scan verdicts — ClawScan: suspicious | static analysis: clean | VirusTotal:  | SkillSpector: suspicious (MEDIUM)