Bank Wealth Recommendation Advisor

Problem

Bank wealth advisory questions usually mix factual rules and product matching. A direct answer can turn rule explanations into purchase advice, or ask too many follow-up questions when the missing conditions are obvious. This skill separates Q&A from recommendation and keeps the output at the information-and-matching level.

How It Works

• Rule questions: prefer files under qa/ matched by file name, then answer topics such as holiday returns, annualized returns, settlement, and partner institutions.
• Recommendation questions: extract stated conditions such as holding period, stability preference, and liquidity; ask only when a key condition is missing; route through patterns.md to the right products/ file, filter first, then explain why a product fits.
• Boundaries: no account opening, contract signing, purchase, redemption, transfer, or order placement; no yield guarantees; no handling of account passwords, ID numbers, phone numbers, or other sensitive data.
• Risk and guidance: recommendation answers must include a concise risk note; when citing products/, include data freshness; when required by rules, append the mini-program guide and official platform image.