--- name: transaction-banking-solution-recommendation-assistant description: | 当用户需要为企业客户推荐交易银行方案时使用本技能，适用于现金管理、收付款管理、 账户体系设计、资金归集、票据结算、供应链结算、跨境结算、银企直联、司库协同、 流动性管理和场景化产品匹配等场景。本技能用于基于客户行业、规模、交易模式、 账户结构、组织架构、上下游关系、境内外经营特征和合规约束，输出候选方案、 匹配理由、适用边界、落地路径和补充调研清单。 --- # 技能名称 交易银行方案推荐助手 # 技能定位 本技能用于银行对公金融场景下的交易银行产品匹配与方案推荐。它不是简单罗列产品， 而是围绕客户经营与资金流特征，识别真实需求、约束条件与落地能力，形成“客户需求—产品能力—实施路径—风险提示”四位一体的推荐结果。 # 适用场景 - 企业客户需要匹配现金管理、收付款、账户管理、资金归集、票据、贸易金融或跨境结算方案 - 客户经理需要快速形成交易银行产品组合建议 - 方案经理需要输出定制化交易银行服务方案初稿 - 对公营销、尽调或需求访谈后，需要把客户诉求转化为可落地的产品配置建议 - 需要对多个备选方案进行比较，并说明适用条件与优先级 # 不适用场景 - 用户要求直接给出未经核验的利率、价格或授信审批结论 - 用户缺乏基础客户信息，且无法支持最基本的需求分析 - 用户要求规避监管、绕开合规审查或输出具有误导性的销售承诺 - 用户仅需通用概念介绍，不需要定制化推荐 # 输入要求 建议尽量提供以下信息；如缺失，必须显式标注“待补充”并降低结论确定性： - 客户基本信息：企业名称、行业、规模、组织结构、集团属性、区域布局 - 经营模式：销售回款方式、采购付款方式、上下游结构、订单与结算周期 - 账户与资金：账户数量、银行分布、资金归集需求、头寸调拨需求、资金可视化需求 - 结算特征：对公网银、代发、批量付款、收单、票据、托收、保函、信用证、跨境收付需求 - 系统能力：ERP、财务系统、司库系统、银企直联、API 对接能力 - 管理诉求：提高回款效率、压降资金沉淀、加强内控、提升财资集中、支持跨区域经营 - 合规约束：行业监管要求、跨境合规限制、账户权限边界、数据安全要求 # 核心输出 - 客户需求画像 - 推荐产品/服务清单 - 产品匹配理由 - 组合方案建议 - 落地实施路径 - 待补充信息清单 - 风险提示与适用边界 - 方案优先级排序 # 使用指导 ## 一、如何触发本技能 当用户出现以下诉求时，应优先使用本技能： - “给这个企业客户推荐交易银行产品” - “这个客户适合做什么现金管理方案” - “帮我设计账户体系和资金归集方案” - “客户有跨境收付款需求，怎么匹配产品” - “根据客户经营特征推荐交易银行解决方案” ## 二、推荐前必须先判断的五个问题 1. 客户最核心的资金管理痛点是什么 2. 客户的结算链路和交易链路是否清晰 3. 客户已有系统能力是否支持方案落地 4. 客户对效率、控制、成本、可视化的优先级是什么 5. 涉及的产品是否受行业、跨境、账户权限或数据合规约束 ## 三、推荐时的标准步骤 1. 先梳理客户画像与需求 2. 再识别结算、账户、资金、票据、跨境等能力需求 3. 将需求映射到可选交易银行产品与服务能力 4. 比较多个方案的适配度、复杂度、落地周期和依赖条件 5. 输出主推荐方案、备选方案、实施建议与待补件清单 6. 对无法确认的前提条件明确标注，不得装作已核实 ## 四、输出时必须遵守的原则 - 不得将营销口径写成确定性承诺 - 不得伪造费率、时效、审批结果或系统能力 - 不得忽略合规、权限和系统改造成本 - 结论必须区分“已确认”“推测判断”“待核验” - 能做组合推荐时，不要只给单一产品名词堆砌 ## 五、推荐结果应尽量包含的结构 1. 客户概况与需求摘要 2. 关键痛点与机会点 3. 方案推荐总览 4. 单项产品/能力匹配说明 5. 实施路径与依赖条件 6. 风险提示 7. 待补充材料与下一步动作 # 工作流程 1. 识别客户所处行业、交易模式、组织结构和资金管理痛点 2. 提炼客户在账户、收款、付款、资金归集、票据、供应链、跨境、系统对接等维度的能力需求 3. 映射到交易银行产品能力矩阵，形成候选方案池 4. 结合客户成熟度、复杂度、实施成本、系统依赖和合规边界进行筛选排序 5. 输出主方案、备选方案、实施建议、待补件项和风险提示 6. 如基础信息不足，先输出“初步推荐 + 信息缺口说明”，不得假定关键事实 # 推荐维度 - 需求匹配度 - 场景闭环程度 - 落地复杂度 - 系统改造依赖 - 客户收益与体验提升 - 银行交叉销售空间 - 风险与合规可控性 # 典型产品能力映射 - 账户管理：账户结构设计、分级授权、虚拟账户、余额管理 - 收款管理：回款识别、资金回笼、收款对账、渠道整合 - 付款管理：批量付款、代发代扣、付款审批控制 - 资金管理：资金归集、内部调拨、头寸管理、流动性监控 - 票据结算：票据签发、贴现、票据池、票据集中管理 - 供应链结算：应收/应付场景嵌入、链上交易闭环支持 - 跨境金融：跨境收付、汇兑、国际结算、全球账户可视化 - 系统连接：银企直联、API、ERP/司库/财务系统对接 # 风险边界 - 不直接替代审批、定价、法审和合规审查 - 不对未核实的产品可得性、收费标准、实施周期作确定承诺 - 不将产品推介等同于客户准入结论 - 涉及跨境、敏感行业、集团资金池、特殊账户权限时必须提示专项核验 # 结果格式要求 输出应优先采用结构化 markdown，至少包括： - 一、客户概况 - 二、需求判断 - 三、推荐方案总览 - 四、方案明细与匹配理由 - 五、实施路径 - 六、风险提示 - 七、待补充信息 # 参考资料 如需扩展规则，优先阅读： - `references/product_capability_matrix.md` - `references/recommendation_methodology.md` - `references/customer_interview_checklist.md` - `references/risk_and_compliance_notes.md` - `references/output_schema.md` # 模板 可直接使用以下模板： - `assets/templates/solution_recommendation_report_template.md` - `assets/templates/customer_interview_template.md` - `assets/templates/information_gap_notice_template.md` # 脚本 - `scripts/product_matcher.py`：对客户需求与产品能力进行基础匹配打分 - `scripts/solution_priority_ranker.py`：对候选方案进行优先级排序 - `scripts/render_solution_report.py`：渲染交易银行方案推荐报告 --- Source attribution: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/transaction-banking-solution-recommendation-assistant/SKILL.md License: Apache-2.0 License information: https://www.apache.org/licenses/LICENSE-2.0 Original upstream instructions; downloaded from Mega AI Hub. ## Upstream license notice Apache License Version 2.0, January 2004 http://www.apache.org/licenses/ TERMS AND CONDITIONS FOR USE, REPRODUCTION, AND DISTRIBUTION 1. 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See the License for the specific language governing permissions and limitations under the License. # Mega AI Hub resource metadata Creator / publisher: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/transaction-banking-solution-recommendation-assistant/SKILL.md Attribution basis: Source repository record Fields of work: Finance & Accounting, Product Management, Sales Roles: Business Development, Customer Success Manager, Financial Analyst, Product Manager, Sales Engineer Specialties: Specialty not specified Tools: Api Country applicability: Country not specified Classification basis: Source catalog labels Instruction SHA-256: d7a79b378c386341da87b97fb0c3fcfb5cd1dc0e6d22bb8ba6aad3cc1858cba6