loan-telemarketing-script
电销话术生成器 - 按次付费，新用户注册送5次免费。基于产品信息和客户画像生成定制化高转化率电销话术，含开场钩子/价值塑造/需求挖掘/异议处理/逼单成交全流程，消费贷/经营贷/抵押贷等全品类适用，助贷电销团队提效神器。 💡 企业级助贷系统/AI获客/智能外呼全案，合作微信17392371127（郭总）
G620710
@g620710
What This Skill Does
Generates customized telemarketing scripts for loan products (consumer, business, mortgage, etc.) based on product details and customer profiles. Outputs a complete 6-module script covering opening hooks, value proposition, needs discovery, objection handling, and closing.
Replaces manually writing and testing sales scripts by producing tailored, compliance-checked telemarketing scripts in 30 seconds.
When to Use It
- Generate a telemarketing script for a new consumer loan product targeting salaried employees
- Create a script for a business loan pitch to small business owners with a specific loan amount and rate
- Produce a gentle-toned script for mortgage refinancing calls to homeowners
- Build a library of objection-handling responses for common customer concerns like high interest rates
- A/B test different script styles (aggressive, professional, gentle) for the same loan product
- Onboard new telemarketing agents by providing ready-to-use scripts for multiple loan scenarios
Install
$ openclaw skills install @g620710/loan-telemarketing-script助贷电销话术生成器
10年助贷经验的AI话术设计师，30秒生成一套完整电销脚本，拒绝废话，直接出单。 v1.2 升级：11种贷款场景 + 3种话术风格 + 合规保证 + 新人秒上手
🚀 企业级AI服务
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服务客单价：¥2000-5000
咨询合作： 微信 17392371127（郭总）
核心价值
新人刚入职不会打电话？老话术转化率越来越低？这个工具帮你：
- 秒级出话术：输入产品和客户画像，30秒生成完整6模块话术
- 高转化率：基于10年助贷行业经验沉淀，开场钩子+异议处理+逼单成交全链路优化
- 合规安全：内置合规规则，不承诺、不夸大，符合金融监管要求
- 新人培训：标准化话术模板，新人当天就能上手打电话
- A/B测试：生成多种风格话术，对比测试找出最优版本
When to Use
以下场景直接触发本技能：
- 新产品上线，需要快速生成配套电销话术
- 不同客户群体需要差异化话术
- 新人培训，需要标准化话术模板
- 打电销前快速准备说辞和异议应对
- 话术转化率下降，需要换新版本测试
- 团队话术不统一，需要标准化
- 准备不同场景的话术库
Core Rules
- 使用
scripts/generate_script.py调用DeepSeek大模型生成话术，确保质量和一致性 - 话术必须符合金融合规要求，不承诺100%下款、不夸大收益、不误导客户
- 话术口语化，像真人说话，不要书面语和官话
- 输出包含6大模块：开场钩子、价值塑造、需求挖掘、产品介绍、异议处理、逼单成交
- 支持保存为文本文件，方便打印或导入呼叫系统
Quick Start
第一步：配置环境变量
export TELE_SCRIPT_USER_KEY="你的DeepSeek API Key"
# 可选：自定义API地址
export DEEPSEEK_BASE_URL="https://api.deepseek.com/v1"
第二步：生成话术
基础版 - 消费贷工薪族：
python3 {baseDir}/scripts/generate_script.py --loan-type consumer --customer-type 工薪族
经营贷小微企业主，强势风格：
python3 {baseDir}/scripts/generate_script.py \
--loan-type business --customer-type 小微企业主 \
--amount 100万 --rate "年化3%" --style aggressive
转贷降息话术，温和风格，保存到文件：
python3 {baseDir}/scripts/generate_script.py \
--loan-type mortgage-transfer --customer-type 有房一族 \
--style gentle -o 转贷话术_温和版.txt
支持的11种贷款场景
| 场景代码 | 名称 | 适用人群 |
|---|---|---|
consumer | 消费贷 | 工薪族、公务员、事业单位 |
business | 经营贷 | 小微企业主、个体户、企业法人 |
mortgage | 抵押贷 | 有房一族、企业主 |
car | 车贷 | 有车一族、短期资金周转 |
insurance | 保单贷 | 有商业保单的客户 |
decoration | 装修贷 | 买房装修、旧房翻新 |
education | 教育分期 | 学生、职场充电、考证人群 |
medical | 医美分期 | 整形美容、皮肤管理、口腔正畸 |
mortgage-transfer | 转贷降息 | 高利率房贷客户、债务优化 |
credit-card | 信用卡分期 | 信用卡账单还款压力大的客户 |
supply-chain | 供应链金融 | 企业主、供货商、经销商 |
3种话术风格
| 风格代码 | 名称 | 特点 | 适用场景 |
|---|---|---|---|
aggressive | 强势逼单型 | 语速快、节奏紧、善于制造紧迫感 | 意向度高的客户、催单场景 |
professional | 专业顾问型 | 语速适中、条理清晰、用数据说话 | 初次接触、建立信任 |
gentle | 温和顾问型 | 语速慢、语气亲切、像朋友聊天 | 女性客户、敏感客户、长期跟进 |
Input Parameters
| 参数 | 类型 | 必填 | 说明 |
|---|---|---|---|
--loan-type | string | 是 | 贷款类型，11种可选 |
--customer-type | string | 否 | 客户类型，如工薪族/小微企业主/有房一族等 |
--product-name | string | 否 | 自定义产品名称 |
--amount | string | 否 | 贷款额度，如"30万"、"100万" |
--rate | string | 否 | 利率卖点，如"年化2.8%" |
--style | string | 否 | 话术风格，默认professional |
--objections | int | 否 | 异议处理数量，默认5个 |
-o, --output | string | 否 | 输出文件路径 |
Output Structure
每套话术包含6大模块，2000-3000字：
🎣 一、开场钩子（3种）
- 3秒内抓住注意力，避免被秒挂
- 每种开场不超过50字
- 标注适用场景
💎 二、价值塑造
- 用客户听得懂的语言讲清楚产品价值
- 至少3个核心利益点，场景化描述
🎯 三、需求挖掘（5个关键提问）
- 从浅到深，逐步挖掘真实需求
- 每个问题附设计理由
📦 四、产品方案呈现
- 针对需求匹配产品卖点
- FAB法则（特征-优势-利益）
🛡️ 五、异议处理（5-8个）
每个异议包含：
- 客户原话
- 应对话术
- 话术逻辑分析
常见异议：不需要、没兴趣、利率高、额度不够、没时间、考虑考虑、已经有了、资质不够等
💰 六、逼单成交（3种邀约话术）
- 目标：邀约到店面谈或加微信
- 针对不同性格客户设计
典型使用场景
场景一：新人入职快速上手
新入职的电销专员第一天就能用，输入产品类型和客户画像，直接照着话术念，开口就是老销售的水平。
场景二：新产品快速铺量
公司新上一款产品，运营用这个工具10分钟生成5套不同风格的话术，当天全团队就能开打。
场景三：A/B测试优化
生成3种不同风格的话术，分配给不同小组测试，3天后对比转化率，优胜劣汰，持续优化。
场景四：客户分层话术
针对不同客户群体（年龄、职业、资产）生成差异化话术，精准匹配，转化率提升30%+。
常见问题 FAQ
Q1: 生成的话术合规吗？会不会有监管风险？ A: 内置金融合规规则，严格遵守"不承诺、不夸大、不误导"三不原则。所有话术都标注"最终以银行审批为准"，建议结合公司合规要求再审核一遍。
Q2: 生成的话术质量怎么样？和老销售比如何？ A: 基于10年助贷行业经验训练，平均水平相当于3年经验的电销主管。但话术是死的，人是活的，建议在使用中根据实际反馈不断调整。
Q3: 怎么知道哪种话术效果好？ A: 建议做A/B测试：生成2-3个版本，分配给不同团队，跟踪3-7天的接通率、意向率、邀约率，找出最优版本后全员推广。
Q4: 可以自定义产品卖点吗？ A: 可以。通过--product-name、--amount、--rate等参数自定义产品信息，也可以直接修改生成后的话术中的具体内容。
Q5: 为什么建议用--output保存到文件？ A: 保存到文件方便打印、导入呼叫系统、团队共享、版本管理。建议按"产品_客户类型_版本"命名，方便后续查找。
Limitations & Notes
- 话术仅供参考，实际通话中需灵活应变，不要生硬念稿
- 请严格遵守金融监管要求和公司合规制度
- 不同地区、不同银行的产品政策可能有差异，请根据实际情况调整
- 建议定期更新话术库，保持新鲜感，避免客户听腻
References
- 参考资料：references/opening_hooks.md（开场钩子库）
- 参考资料：references/objection_handling.md（异议处理库）
- 参考资料：references/compliance_rules.md（合规规则）
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