用于银行零售理财客户流失预警，当需要监测AUM下滑、赎回集中与到期流失风险并输出处置建议时触发。
对理财客户的AUM、赎回与到期结构进行预警监测，识别异常赎回、资产下滑与产品到期集中导致的潜在流失风险，输出风险分层、驱动因素与挽留建议。
scripts/wealth_churn_warning.py：计算AUM下滑、赎回比例与到期集中度，输出风险等级。python scripts/wealth_churn_warning.py --input wealth.json --rules rules.json --output out.json
{
"customer_id": "W2001",
"aum": [
{"date": "2026-01-01", "value": 800000},
{"date": "2026-02-01", "value": 720000},
{"date": "2026-03-01", "value": 600000}
],
"redemptions_30d": 150000,
"maturity_60d": 200000
}
{
"thresholds": {
"aum_drop_pct": 0.2,
"redemption_ratio": 0.3,
"maturity_ratio": 0.4
}
}