Finance Advisor

Problem Context

Bank wealth product queries often mix two needs: checking rules for returns, holidays, holding period, and redemption; and finding products that fit the user's preference. Direct recommendations can blur the line between information and trading advice, and may introduce yield promises or sensitive data risks.

How It Works

This skill answers from local materials:
- Factual questions: prefer matching files in qa/ by filename for rules, policy, and FAQs, then answer from the file content.
- Recommendation questions: route to suitable files in products/, filter by holding period, stability preference, liquidity needs, etc., then explain why a product fits.
- Risk notice: recommendation answers must include a risk notice; when citing products/, include data freshness information.
- Mini-program guidance: for high intent or at the end of recommendations, append guidance text and display a read-only remote image for scanning.

Boundaries

It does not perform account opening, signing, purchase, redemption, transfer, or order placement; it does not promise returns; it does not process account credentials, passwords, ID numbers, or phone numbers. Use it for bank wealth product information and matching references, not as trade execution or personalized investment advice.