Use when performing retail consumer-loan pre-checks, eligibility screening, and document gap analysis; trigger for requests that need Chinese skill content with structured precheck logic and optional scripts.
面向消费贷业务的预审初筛与资料缺口识别，输出“可推进/待补资料/阻断”的初步判断、关键风险提示与补件清单，用于前置沟通与材料整理。
applicant_id、年龄、职业、居住稳定性批量预审使用 scripts/precheck_consumer.py。
python scripts/precheck_consumer.py --input consumer_applications.json --output consumer_precheck.json
输入 JSON 示例：
{
"applications": [
{
"applicant_id": "A002",
"age": 29,
"credit_score": 630,
"debt_to_income": 0.45,
"monthly_income": 12000,
"loan_amount": 80000,
"income_verified": true
}
]
}
输出关键字段：
result：可推进/待补资料/阻断blockers：阻断项needs_verify：需人工核验missing_fields：缺失字段申请人：{applicant_id}
初筛结论：{result}
阻断项：{blockers}
待核验：{needs_verify}
缺失字段：{missing_fields}