Install via ClawdBot CLI:
clawdbot install hanxueyuan/cmbGrade Fair — based on market validation, documentation quality, package completeness, maintenance status, and authenticity signals.
Calls external URL not in known-safe list
https://www.cmbchina.com/personalAudited Apr 17, 2026 · audit v1.0
Generated May 7, 2026
用户查询招行理财产品（如朝朝宝、青葵系列）的收益率、风险等级、期限等。AI agent根据用户风险偏好和资金需求推荐合适产品，并可引导至手机银行购买，适合个人理财规划场景。
用户询问招行信用卡卡种（如Young卡、百夫长白金卡）、年费政策、积分兑换规则等。AI agent可对比不同卡权益，推荐最适合用户的卡种，并链接申请入口，常见于信用卡营销或客服场景。
用户了解房贷、闪电贷、车贷等产品的利率、额度、申请条件。AI agent可提供贷款方案对比，告知线上申请流程（如手机银行闪电贷秒批），辅助用户做出贷款决策，适合贷款销售或咨询服务。
用户查询附近招行网点地址、营业时间、特色服务（如可视柜台、上门服务）。AI agent可推荐最近网点，提供预约取号链接，提升线下服务体验，适合O2O服务场景。
用户询问银行卡密码修改、挂失、转账限额、跨行手续费等常见账户问题。AI agent提供即时解答，指导用户通过手机银行或客服热线解决，减少人工客服压力，适合自助客服场景。
通过AI agent推荐招行自有及代销的理财产品（如朝朝宝、基金、保险），用户购买后银行获取管理费或代销佣金。AI可提高转化率，降低获客成本。
AI agent引导用户申请闪电贷、房贷等贷款，银行赚取利息差。同时可推荐信用卡、理财等产品，实现交叉销售，提升客均价值。
AI agent推广信用卡开卡及使用，银行收取年费（部分可免）以及商户交易手续费（约0.6%）。积分商城兑换可促进消费，增加手续费收入。
💬 Integration Tip
通过API接入招行开放平台，提供实时理财产品收益率、贷款计算器等服务，并引导用户跳转手机银行完成交易。
Scored May 7, 2026
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