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Bank APP Wealth Advisor Assistant / 银行APP财富顾问助手\r

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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 \r 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 \r ---\r \r

Industry Pain Points / 行业痛点\r

\r | Pain Point / 痛点 | Impact / 影响 | Solution / 本Skill解决方案 |\r |------------------|-------------|------------------------|\r | 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 | 产品匹配效率低 | 人工推荐成本高 | 智能产品匹配引擎 |\r | 合规要求严 | 监管禁止虚假宣传 | 合规话术自动检查 |\r | 服务覆盖有限 | 人工客服无法7x24 | AI24小时在线解答 |\r | 交叉销售难 | 客户画像不完整 | 多维度客户分析 |\r \r ---\r \r

Trigger Keywords / 触发关键词\r

\r English Triggers: bank APP, wealth advisor, digital banking, mobile banking, AI advisor, product recommendation, financial planning, customer service\r \r 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 \r ---\r \r

Core Capabilities / 核心能力\r

\r

1. Product Matching Engine / 产品匹配引擎\r

\r

class WealthAdvisor:\r
    """智能财富顾问"""\r
    \r
    def match_products(self, customer_profile: dict, \r
                      available_products: list) -> list:\r
        """\r
        智能产品匹配\r
        Args:\r
            customer_profile: 客户画像\r
            available_products: 可选产品列表\r
        """\r
        # 风险匹配\r
        risk_level_map = {\r
            "保守型": ["R1", "R2"],\r
            "稳健型": ["R1", "R2", "R3"],\r
            "平衡型": ["R2", "R3", "R4"],\r
            "成长型": ["R3", "R4", "R5"],\r
            "激进型": ["R4", "R5"]\r
        }\r
        \r
        allowed_risk = risk_level_map.get(\r
            customer_profile.get("risk_preference", "稳健型"), ["R2", "R3"]\r
        )\r
        \r
        # 收益匹配\r
        expected_return = customer_profile.get("expected_return", 0.05)\r
        \r
        matched = []\r
        for product in available_products:\r
            # 风险等级过滤\r
            if product["risk_level"] not in allowed_risk:\r
                continue\r
            \r
            # 收益率匹配\r
            if product["expected_return"] >= expected_return - 0.02:\r
                score = self._calculate_match_score(\r
                    customer_profile, product\r
                )\r
                matched.append({\r
                    **product,\r
                    "match_score": score,\r
                    "recommendation_reason": self._generate_reason(\r
                        customer_profile, product\r
                    )\r
                })\r
        \r
        return sorted(matched, key=lambda x: x["match_score"], reverse=True)\r
    \r
    def _calculate_match_score(self, customer: dict, \r
                               product: dict) -> float:\r
        """计算匹配度评分"""\r
        score = 100\r
        \r
        # 期限匹配\r
        preferred_term = customer.get("preferred_term", 365)\r
        product_term = product.get("term_days", 365)\r
        term_diff = abs(preferred_term - product_term) / 365\r
        score -= term_diff * 10\r
        \r
        # 起购金额\r
        if product.get("min_amount", 0) > customer.get("available_fund", 0):\r
            score -= 30\r
        \r
        # 收益率\r
        expected = customer.get("expected_return", 0.05)\r
        actual = product.get("expected_return", 0)\r
        if actual >= expected:\r
            score += 10\r
        else:\r
            score -= abs(actual - expected) * 100\r
        \r
        return max(0, min(100, score))\r
```\r
\r
### 2. Investment Consultation Scripts / 投资咨询话术\r
\r
```python\r
INVESTMENT_SCRIPTS = {\r
    "基金购买引导": {\r
        "场景": "客户咨询基金",\r
        "话术": """\r
        "您好！根据您的风险测评结果【{risk_level}】，\r
        我推荐您关注【{fund_name}】基金。\r
        \r
        这只基金的特点：\r
        • 基金类型：{fund_type}\r
        • 风险等级：{risk_level}\r
        • 近一年收益：{return_1y}%\r
        • 基金经理：{manager}（从业{years}年）\r
        \r
        适合您的理由：\r
        1. {reason_1}\r
        2. {reason_2}\r
        3. {reason_3}\r
        \r
        【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
        请您根据自身情况谨慎决策。"\r
        """,\r
        "合规检查": [\r
            "不得承诺保本",\r
            "必须说明基金有风险",\r
            "过往业绩仅供参考"\r
        ]\r
    },\r
    \r
    "资产配置建议": {\r
        "场景": "客户有大额资金",\r
        "话术": """\r
        "张先生/女士，您好！\r
        \r
        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
        \r
        【保守配置】40% → 银行存款+国债\r
        特点：安全稳健，适合保本需求\r
        \r
        【稳健配置】30% → 银行理财+债券基金\r
        特点：收益稳健，波动较小\r
        \r
        【成长配置】20% → 混合基金+股票基金\r
        特点：追求较高收益，承担一定风险\r
        \r
        【流动性】10% → 货币基金\r
        特点：随存随取，应急备用\r
        \r
        这个配置方案可以帮助您分散风险，\r
        同时实现资产的稳健增值。"\r
        """\r
    }\r
}\r
```\r
\r
### 3. Compliance Check / 合规检查\r
\r
```markdown\r
## APP投顾合规检查清单\r
\r
### 必须包含的要素\r
| 检查项 | 要求 |\r
|-------|------|\r
| 风险提示 | 必须出现"投资有风险" |\r
| 收益说明 | 不得承诺保本保收益 |\r
| 历史业绩 | 必须注明"仅供参考" |\r
| 适当性 | 必须匹配客户风险等级 |\r
| 产品揭示 | 必须包含产品说明书链接 |\r
\r
### 禁止用语\r
| 禁止 | 替代 |\r
|-----|------|\r
| "保本" | "相对稳健" |\r
| "稳赚不赔" | "追求稳健收益" |\r
| "最低收益X%" | "历史平均收益X%" |\r
| "100%安全" | "风险可控" |\r
```\r
\r
---\r
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## Disclaimer\r
\r
This skill provides wealth advisory tools for educational purposes. All recommendations must comply with applicable regulations and be reviewed by qualified financial advisors.\r