Load context
On first use: Read ../../CLAUDE.md to obtain scenario-level configuration (bank account list/data source status).
/reconciliation-automation — Automated reconciliation
Examples
→ Example: The user says "Help me automatically run a check of the bank reconciliation statement," and the system should invoke this skill to perform automated verification of the bank reconciliation statement.
→ Example: The user says "Several bank accounts cannot be reconciled; help me see where the differences are," and the system should invoke this skill to analyze the outstanding items in the bank reconciliation statement.
→ Example: The user says "Help us set up an automatic reconciliation rule so the system automatically matches bank transactions," and the system should invoke this skill to configure automatic bank transaction matching rules.
Reconciliation principles
Enterprise perspective vs. bank perspective:
企业付款 100 元：
- 企业账面：记录一笔 100 元付款（企业已付）
- 银行记录：跨行转账可能延迟 1-2 天到达（银行未付）
银行扣费（手续费）：
- 银行记录：已扣 50 元手续费（银行已付）
- 企业账面：可能未记账（企业未付）
→ 对账的作用：找出这两类差异，生成调节表
Step 1: Data import
Export the statement from [BANK]:
银行企业网银 → 历史交易查询 → 筛选对账期间 → 导出 Excel/CSV
字段要求：交易日期 / 交易金额 / 对方账户 / 摘要 / 交易类型（收入/支出）
Export bank vouchers from [ERP]:
ERP → 银行模块 → 导出当月所有银行凭证
字段要求：凭证日期 / 凭证金额 / 银行账户 / 对方账户 / 摘要
Step 2: Data standardization
Unify date format:
原始格式 → 标准格式
2026/6/15 → 2026-06-15
2026年6月15日 → 2026-06-15
06/15/2026 → 2026-06-15（注意美式日期）
Unify amount format:
原始格式 → 标准格式
1,000.00 → 1000.00
￥1,000 → 1000.00
(1,000) → -1000.00（括号为负数）
Step 3: Automatic matching
Matching algorithm
Exact match conditions (all must be satisfied):
条件1：|企业付款金额| = |银行扣款金额|（允许 ±0.01 元误差）
条件2：企业付款日期与银行扣款日期在 ±3 个工作日内
条件3：对方账户一致（或可追溯到同一笔交易）
Match classification
| Match result | Condition | Mark |
|---|---|---|
| Both sides reconciled | Enterprise has paid & bank has paid, amount and date consistent | ✅ Reconciled |
| Enterprise has paid but bank has not paid | Enterprise has paid, but the bank has no record yet | ⚠️ Bank outstanding (enterprise paid) |
| Bank has paid but enterprise has not paid | Bank has paid, but the enterprise has no record yet | ⚠️ Enterprise outstanding (bank paid) |
| Amount difference | Amounts are not completely consistent | ⚠️ Amount difference pending investigation |
| Unable to match | Neither amount nor date can be corresponded | ❌ Exception requires investigation |
Step 4: Handling of outstanding items
Bank outstanding (enterprise has paid, bank has not paid)
Normal outstanding (acceptable):
情形：跨行转账，本行已付但对方银行未到账
处理：标记为"在途资金"，在调节表中作为加项
金额通常在 1000-50000 元之间
1-2 个工作日后会自动到达
处理：✅ 标记"正常在途"，定期跟踪
Abnormal outstanding (requires investigation):
情形：转账时间超 5 个工作日仍银行未达
可能原因：
- 收款账户信息错误（账号/户名不符）
- 收款银行系统延迟
- 触发反欺诈模型被拦截
处理：
1. 联系付款银行查询交易状态
2. 如确认失败，办理退汇
3. 退汇后重新发起正确付款
Enterprise outstanding (bank has paid, enterprise has not paid)
Normal outstanding (acceptable):
情形：银行扣收手续费/账户管理费/利息税
企业通常在次月收到银行对账单后入账
处理：标记为"银行待记账项"，在调节表中作为减项
金额通常较小（≤ 1000 元）
Abnormal outstanding (requires investigation):
情形：银行已扣款但企业无对应凭证
可能原因：
- 银行扣收了我方未知的费用（如罚款/年费）
- 银行系统记录错误
- 被不明扣款
处理：
1. 立即联系银行查询扣款原因
2. 如为银行错误，要求银行退款
3. 如为企业漏记账，补录凭证
4. 如为不明扣款，保留追诉权利并报案
Step 5: Generate bank reconciliation statement
═══════════════════════════════════════════════════════════
银行调节表
═══════════════════════════════════════════════════════════
银行账户：[开户行 + 账号]
对账期间：[YYYY年MM月]
调节日期：[YYYY-MM-DD]
编制人：[姓名]
═══════════════════════════════════════════════════════════
企业账面余额：[X,XXX,XXX.XX] 元
加：银行已收企业未收（[X] 笔）：
1. [日期] [金额] 元 — [原因：如在途资金]
2. [日期] [金额] 元 — [原因：如手续费待入账]
小计：[X,XXX.XX] 元
减：银行已付企业未付（[X] 笔）：
1. [日期] [金额] 元 — [原因：如手续费待入账]
2. [日期] [金额] 元 — [原因：如不明扣款待查]
小计：[X,XXX.XX] 元
调整后企业余额：[X,XXX,XXX.XX] 元
银行对账单余额：[X,XXX,XXX.XX] 元
差异：[X.XX] 元（差异应为 0）
═══════════════════════════════════════════════════════════
差异为 0：[✅ 对账完成] / 差异不为 0：[❌ 须排查]
═══════════════════════════════════════════════════════════
【未达账项跟踪】
银行未达（企业付）：
- [金额] 元，[日期起]，状态：[在途/异常/已到账]
- [金额] 元，[日期起]，状态：[在途/异常/已到账]
企业未达（银行付）：
- [金额] 元，[日期起]，状态：[待入账/异常/已入账]
- [金额] 元，[日期起]，状态：[待入账/异常/已入账]
【下一步行动】
→ [如差异为 0] 对账完成，流转至下一节点
→ [如差异不为 0] 须排查差异原因后再完成对账
═══════════════════════════════════════════════════════════
Multi-bank account handling
When the company has multiple bank accounts,reconcile one by one, and generate independent reconciliation statements:
账户 1：工商银行基本户 [已完成 ✅]
账户 2：建设银行一般户 [已完成 ✅]
账户 3：农业银行一般户 [进行中 ⚠️ — 有 1 笔未达]
账户 4：招商银行外汇户 [未开始 ❌ — 须先导出对账单]
账户 5：花旗银行外汇户 [进行中 ⚠️ — 汇率问题待确认]
Parallel processing principle:
账户数量 ≤ 3 个 → 逐一处理
账户数量 > 3 个 → 并行启动多个对账任务
→ 每个账户独立生成调节表
→ 全部完成后汇总报告
Escalation trigger conditions
- Difference amount > [fill in: e.g., 5,000 yuan] and the cause cannot be identified
- The same account has outstanding items for 3 consecutive months
- Suspected unidentified deductions are found (amount > 1,000 yuan and no reasonable explanation)
- The bank statement and ERP records show a systematic amount offset (suspected exchange rate or precision issue)
- The enterprise has paid, but the bank has not paid all along, exceeding 10 working days
Finance Skills — reconciliation-automation atomic skill