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Showing SKILL.md
| name | business-metrics-attribution |
| description | 对银行核心经营指标（存款、贷款、收入、利润等）的变动进行多维归因拆解，定位增长或下降的关键驱动因素 |
银行经营指标发生变化时（如利润同比下降、存款环比增长放缓、中间业务收入波动等），管理层需要快速定位驱动因素。传统分析依赖人工逐项拆解，效率低且容易遗漏交叉影响。本技能将指标变动按维度（机构、产品、客群、期限等）进行结构化归因拆解，输出"结论先行、数据支撑"的归因报告。
| 输入项 | 说明 | 是否必须 |
|---|---|---|
| 指标名称 | 需要归因的经营指标（如"利润总额"、"存款余额"） | 必须 |
| 当期数据 | 当期各维度的明细数据 | 必须 |
| 基期数据 | 对比基期的同口径数据 | 必须 |
| 归因维度 | 按哪些维度拆解（机构/产品/客群/期限等） | 可选，默认按机构+产品 |
| 分析口径 | 同比/环比/较年初 | 可选，默认同比 |
