Use when identifying retail credit-card limit increase opportunities or prioritizing outreach; trigger for requests that need Chinese skill content with clear eligibility checks, ranking logic, and optional scripts for scoring.
用于识别信用卡提额机会、排序潜力客户并输出触达建议与风控边界。它只做“机会识别与优先级建议”，不替代授信审批与最终额度决策。
customer_id、现有额度、卡片类型批量评分使用 scripts/limit_increase_scoring.py。
python scripts/limit_increase_scoring.py --input limit_candidates.json --output limit_scored.json
输入 JSON 示例：
{
"customers": [
{
"customer_id": "C002",
"credit_limit": 20000,
"avg_spend_3m": 16000,
"on_time_rate_12m": 0.99,
"delinquency_12m": 0,
"monthly_income": 15000,
"debt_to_income": 0.35,
"risk_flag": 0
}
]
}
输出关键字段：
decision：建议提额/可观察/暂缓score：规则评分（用于排序）reasons：主要触发因素客户：{customer_id}
评分：{score}
建议：{decision}
理由：{reasons}
待补信息：{missing_fields}