client-kyc-profiling

Customer KYC Profile

Available Tools

This skill can call the following MCP data services, to be selected as needed during the execution process:

Yingmi Financial Data (qieman)

• Service address:https://dashscope.aliyuncs.com/api/v1/mcps/Qieman/sse
• Core capabilities: fund search/diagnosis, portfolio analysis/backtesting, asset allocation plans, CFP toolchain, chart rendering
• Main tools of this skill:AnalyzeFamilyMembers, AnalyzeFinancialIndicators, AnalyzeAssetLiability, GetFundAssetClassAnalysis

Hundsun Gildata Financial Data (gildata-aidata)

• Service address: obtained after activating the Hundsun Gildata MCP service, in the format https://dashscope.aliyuncs.com/api/v1/mcps/<your-mcp-id>/mcp
• Core capabilities: individual stock research (A/H/US), financial statements, capital flows, research reports and public sentiment, wealth management products, macroeconomic data
• Optional tools of this skill:CompanyBasicInfo, ProductBasicInfoList

Input Requirements

Required information (injected via context)

• Customer basic information: name, age, occupation, risk level
• Holdings overview

Optional information

• Family member situation (spouse, children's ages)
• Income and expenditure overview
• Assets and liabilities situation
• Investment experience and preferences

Execution Process

Step 1: Basic information parsing

• Extract customer basic attributes
• Organize holdings structure

Step 2: Multi-dimensional analysis

qieman data source:

• If there is family member information: call AnalyzeFamilyMembers to analyze the family life cycle
• If there is financial data: call AnalyzeFinancialIndicators to calculate key financial indicators
• If there is assets and liabilities data: call AnalyzeAssetLiability to analyze the assets and liabilities structure
• Based on holdings: call GetFundAssetClassAnalysis to conduct look-through analysis of asset allocation preferences

gildata-aidata data source (holdings look-through supplement, optional):

• If there are individual stocks in the holdings: call CompanyBasicInfo to obtain company fundamentals and assist in analyzing the customer's industry preferences
• If there are wealth management products in the holdings: call ProductBasicInfoList to obtain product information and improve the holdings look-through analysis

Step 3: Profile synthesis

• Life cycle stage determination (single/newly married/parenting/empty nest/retired)
• Risk tolerance assessment (objective capacity vs subjective willingness)
• Investment preference summary (conservative/steady/aggressive)
• Potential demand discovery

Step 4: Relationship management recommendations

Output Template

## 客户KYC画像 | {客户姓名}

### 一、基本画像
| 维度 | 内容 |
|------|------|
| 年龄/职业 | {X}岁 / {职业} |
| 家庭阶段 | {生命周期阶段} |
| 风险等级 | {R等级}（{标签}） |
| AUM | {X}万 |
| 客户层级 | {层级} |

### 二、资产配置分析
{当前资产大类分布}
{与风险等级的匹配度}

### 三、行为特征
- 投资偏好：{描述}
- 交易习惯：{描述}
- 沟通偏好：{描述}

### 四、需求洞察
1. **核心需求**：{分析}
2. **潜在需求**：{分析}
3. **风险提示**：{需要关注的风险点}

### 五、经营建议
- **短期**：{即时可做的服务动作}
- **中期**：{1-3个月经营方向}
- **沟通要点**：{与该客户沟通的注意事项}

---
*画像分析基于已有信息，建议通过面谈进一步完善客户了解。*

Notes

• When information is insufficient: clearly mark "analysis based on limited information" and do not over-infer
• Respect privacy: do not over-interpret the customer's personal life
• Practical orientation: the profile must ultimately land on recommendations for "how to manage this customer"