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用于银行零售客户存款流失预警，当需要监测余额下滑、资金流出与活跃度下降并输出处置建议时触发。
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A股逆向选择/信息不对称分析。当用户说"逆向选择"、"adverse selection"、"信息不对称"、"知情交易者"、"逆向选择成本"、"信息劣势"时触发。基于 cn-stock-data 获取数据，度量逆向选择与信息不对称程度。支持 formal/brief 两种输出风格。
A股量价异常检测/异动监控。当用户说"异常检测"、"异动"、"anomaly"、"量价异常"、"异常波动"、"XX有异动"时触发。量化检测股价和成交量异常。支持formal和brief风格。
A股自相关/序列相关性/收益率自相关结构分析。当用户说"自相关"、"autocorrelation"、"序列相关"、"收益率预测性"、"动量还是反转"、"自相关系数"、"ACF"、"PACF"、"Ljung-Box"、"收益率是否可预测"、"随机游走检验"时触发。MUST USE when user asks about return autocorrelation, serial correlation tests, or whether a stock's returns are predictable. 量化分析收益率的自相关结构（ACF/PACF、Ljung-Box检验、随机游走检验）。支持formal和brief风格。
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Showing SKILL.md
| name | bank-t164-retail-finance-deposit-churn-warning-assistant |
| description | 用于银行零售客户存款流失预警，当需要监测余额下滑、资金流出与活跃度下降并输出处置建议时触发。 |
对零售客户存款余额与资金流向进行预警监测，识别异常流出、趋势性下滑与潜在流失风险，输出风险分层、驱动因素、处置建议与升级条件，支持客户经理与运营团队进行挽留与跟进。
scripts/deposit_churn_warning.py：计算余额趋势、净流出比例并输出风险分层。python scripts/deposit_churn_warning.py --input deposit.json --rules rules.json --output out.json
{
"customer_id": "C1001",
"balances": [
{"date": "2026-01-01", "balance": 500000},
{"date": "2026-02-01", "balance": 420000},
{"date": "2026-03-01", "balance": 350000}
],
"flows": {
"inflow_30d": 60000,
"outflow_30d": 180000
}
}
{
"thresholds": {
"balance_drop_pct": 0.2,
"outflow_ratio": 0.5
}
}