Use when planning retail credit-card installment marketing, customer segmentation, and outreach prioritization; trigger for requests that need Chinese skill content with clear inputs/outputs, compliance-aware actions, and optional scripts for segmentation.
用于信用卡分期营销的客群分层、触达策略与行动清单输出，确保动作合规、可执行且可复盘。
customer_id、卡片类型、额度区间批量分层使用 scripts/installment_marketing_segment.py。
python scripts/installment_marketing_segment.py --input installment_candidates.json --output installment_segmented.json
输入 JSON 示例：
{
"customers": [
{
"customer_id": "C003",
"largest_purchase_3m": 9000,
"revolving_ratio": 0.6,
"installment_history": 2,
"on_time_rate_12m": 0.99,
"risk_flag": 0
}
]
}
输出关键字段：
segment：高潜/中潜/低潜score：分层评分（用于排序）offer：推荐优惠策略客户：{customer_id}
分层：{segment}
建议策略：{offer}
理由：{reasons}
待补信息：{missing_fields}