maturity-client-alert

Maturing Client Retention

Available Tools

This skill can call the following MCP data services, 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:BatchGetFundsDetail, SearchFunds, GetBatchFundPerformance, BatchGetFundTradeRules

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: stock research (A/H/US), financial statements, capital flows, research reports and sentiment, wealth management products, macroeconomic data
• Main tools of this skill:FinancialProductFilter, ProductBasicInfoList

Input Requirements

Required information (injected via context)

• Client basic information: name/code, risk level
• Maturing product information: product name, fund code (if any), holding amount, maturity date

Optional information

• AUM, client tier
• Other holdings
• Behavior tags (investment preferences)
• Client's attitude toward reinvestment (if known)

If the user only says "a client's product has matured," ask follow-up questions about the client information and maturing product details.

Execution Process

Step 1: Parse Maturing Product Information

• Extract the name, code, amount, and date of the maturing product
• Determine urgency (already matured / maturing this week / maturing this month)
• Determine the category of the maturing product (fund / wealth management product)

Step 2: Maturing Product Analysis

Fund type (qieman):

• If there is a fund code, call BatchGetFundsDetail to obtain product details

Wealth management product type (gildata-aidata):

• Call ProductBasicInfoList to obtain detailed information on the maturing wealth management product (issuer, term, return type, etc.)

Analyze the characteristics of the maturing product: type, risk level, historical returns, and understand the investment preferences the client demonstrated through this product.

Step 3: Replacement Product Screening

Based on the maturing product's characteristics and the client's risk level, determine screening criteria:

• Same type or similar type
• Not exceeding the client's risk level
• Stable historical performance

Fund-type replacement (qieman):

• SearchFunds: search for candidate replacement funds
• GetBatchFundPerformance: compare candidate fund performance
• BatchGetFundTradeRules: check trading rules (minimum purchase amount, fee rates, etc.)

Wealth management product replacement (gildata-aidata):

• FinancialProductFilter: screen replacement wealth management products by risk level, term, and yield
• ProductBasicInfoList: obtain details of candidate wealth management products

Step 4: Generate Retention Plan and Scripts

• Design 2-3 replacement plans (conservative/balanced/aggressive)
• Prepare script key points for each plan

Output Template

## 到期承接方案 | {客户姓名}

### 到期产品信息
| 项目 | 详情 |
|------|------|
| 产品名称 | {名称} |
| 产品类型 | {基金/理财产品} |
| 到期金额 | {X}万 |
| 到期日期 | {日期}（{紧急程度}） |
| 产品特征 | {类型、风险等级、过往收益} |

### 承接方案

#### 方案A：同类续投（稳妥型）
- **产品**：{产品名}({代码})
- **理由**：{与到期产品相似，客户接受度高}
- **预期收益**：{参考数据}
- **费率**：{申购费率}

#### 方案B：适度升级（增收型）
- **产品**：{产品名}({代码})
- **理由**：{风险可控的前提下提升收益}
- **预期收益**：{参考数据}

#### 方案C：分散配置（均衡型）
- **建议**：{X}万续投固收 + {X}万配置固收+
- **理由**：{兼顾安全和收益}

### 承接话术
> **开场**：{称呼}，您的{产品名}在{日期}到期，到期金额{X}万。我帮您做了分析和方案...
>
> **核心话术**：{根据方案展开}
>
> **促成**：{引导客户选择方案}

### 客户可能的问题
| 问题 | 回应 |
|------|------|
| "直接转活期吧" | "{挽留话术}" |
| "收益比之前低了" | "{解释话术}" |
| "我再看看别的" | "{应对话术}" |

---
*产品推荐基于历史数据，不构成投资建议。实际收益可能与过往不同。*

Notes

• Timeliness: the closer the maturity date, the more specific the plan must be; it cannot be vague
• Customer inertia: prioritize recommending alternatives similar to the maturing product to reduce the customer's decision-making cost
• Compliance requirements: do not promise returns, and do not use wording such as "principal-protected" or "guaranteed returns"
• Retention techniques: for customers inclined to transfer out, the script should gently guide, not pressure
• Category matching: for maturing wealth management products, prioritize recommending wealth management product alternatives; for maturing funds, prioritize recommending fund alternatives