Hlzd Customer Due Diligence

HLZD 客户背调（Customer Due Diligence）

把"客户真实吗 / 实力够吗 / 有没有制裁风险"3 个问题，5 维评分 + 合规护栏一次性回答。

When to use

调用本 Skill 当用户：

• 拿到 hlzd-buyer-finder 的买家清单，想筛掉垃圾、留真买家
• 询盘进来但 hlzd-inquiry-qualify 给了 D 级 / 边缘，需要补查
• 想跑 KYC / OFAC 复核（避免对接 Hezbollah / Wagner / Iran 等）
• 想自动分配 lead 给不同 sales 或插入 nurture

不要调用本 Skill 当：

• 客户已在合作（v0.1 用于未合作前的早期筛查）
• 需要 verify 已签合同的客户信用额度 —— 这是供应链金融风控，不在 v0.1 范围内

How this skill is invoked

# 输入：buyer-finder 输出 JSON
py scripts/cli.py --input buyers.json --output diligence.json --pretty

# stdin 模式
cat buyers.json | py scripts/cli.py --stdin

输出每 buyer 的：

{
  "company_score": 0-100,
  "company_grade": "A" / "B" / "C" / "D",
  "scoring": { "D1_real": {...}, "D2_size": {...}, ... },
  "compliance": { "violations": [...], "passed": bool, "fraud_terms_detected": [...] },
  "recommendation": { "action": "outreach_24h|outreach_48h|nurture|archive|halt",
                       "next_skill": "hlzd-cold-outreach|nurture-sequence|hlzd-trade-compliance", ... }
}

5-维评分细则

阈值：

合规护栏（5 道关卡）

任一命中 → recommendation.action = halt + next_skill = hlzd-trade-compliance。

Output schema

{
  "$schema": "hlzd/customer-due-diligence/v1",
  "evaluated": 3,
  "failed": 0,
  "halt_recommended": 1,
  "by_grade": {"A": 0, "B": 1, "C": 0, "D": 2},
  "results": [
    {
      "importer_name": "Saudi Aramco Trading Co",
      "country": "Saudi Arabia",
      "company_score": 85,
      "company_grade": "B",
      "scoring": {
        "D1_real": {"score": 25, "max": 25, "missing": []},
        "D2_size": {"score": 15, "max": 25, "missing": ["revenue_indicator"]},
        "D3_type": {"score": 10, "max": 15, "missing": [], "customer_type": "Distributor"},
        "D4_procurement": {"score": 20, "max": 20, "missing": []},
        "D5_risk": {"score": 15, "max": 15, "missing": []},
        "total": 85,
        "grade": "B",
        "grade_reason": "Solid buyer. Outreach within 48h; supplement missing fields."
      },
      "compliance": {"violations": [], "passed": true, "fraud_terms_detected": []},
      "recommendation": {
        "action": "outreach_48h",
        "next_skill": "hlzd-cold-outreach",
        "priority": "P2",
        "rationale": "Grade B: solid buyer, supplement missing fields then outreach."
      }
    }
  ],
  "errors": []
}

Sample integration

# 1. 找买家（来自 buyer-finder）
py ../hlzd-buyer-finder/scripts/cli.py --product "OCTG casing" --country SA \
    --output-json buyers.json

# 2. 背调
py scripts/cli.py --input buyers.json --output-json diligence.json --pretty

# 3. 自动 outreach（按 grade A/B 调 cold-outreach）
py ../hlzd-cold-outreach/scripts/cli.py --input diligence.json \
    --product "OCTG casing" --output-json outreach.json

3 步闭环完成：调研 → 买家 → 背调 → 邮件。

Anti-patterns / Limitations

Related Skills

       ┌─────────────────────────┐
       │  hlzd-buyer-finder       │  ← 上游：买家列表
       └────────────┬────────────┘
                    │
                    ▼
       ┌─────────────────────────┐
       │ ★ hlzd-customer-due-    ★ │  ← 本 Skill
       │    diligence              │
       └────────────┬────────────┘
                    │
            ┌───────┼────────┐
            ▼       ▼        ▼
       outreach trade-      manual
       24/48h   compliance   review
       (合规过) (合规拦截)

前置：hlzd-buyer-finder 提供 buyer 输入 后继：hlzd-cold-outreach（合规过）或 hlzd-trade-compliance（拦截）

Versioning

Crafted for B2B industrial exporters — HLZD Cross-Border AI Platform · 2026