@v587d/capital-generation 2.10.2 → 2.11.1

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/china-finance/skills/china-accrual-schedule/SKILL.md

@@ -1,182 +0,0 @@
----
-name: china-accrual-schedule
-description: Build accrual schedules for A-share companies tracking revenue recognition, expense accruals, and working capital timing. Adapted from the original accrual-schedule skill for CAS accounting and Chinese business practices. Triggers on "A股应计项目", "应计计提", "accrual schedule China", "应计账款分析", or "working capital accruals [company]".
----
-
-# china-accrual-schedule
-
-## Purpose
-
-Build **A股应计项目时间表** — comprehensive accrual schedules for financial analysis and audit preparation.
-
-## Data Sources
-
-### Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)
-
-```python
-get_financials(ticker, "income")     → Revenue, expenses
-get_financials(ticker, "balance")    → Working capital accounts
-```
-
-### Secondary Sources
-- 巨潮 — annual/quarterly reports
-- 审计报告 — accrual methodology
-
-## Workflow
-
-### Step 1: Identify Accrual Items
-
-**Revenue accruals:**
-
-| Item | Description | Typical Items |
-|------|-------------|---------------|
-| 预收账款 (Deferred revenue) | Advance from customers | Prepayments, deposits |
-| 应收账款 (Accounts receivable) | Revenue recognized, not yet collected | Trade receivables |
-| 合同负债 (Contract liabilities) | New CAS term for prepayments | Contract-based |
-| 应收票据 (Notes receivable) | Commercial acceptance/bank bills | Bills from customers |
-
-**Expense accruals:**
-
-| Item | Description | Typical Items |
-|------|-------------|---------------|
-| 应付账款 (Accounts payable) | Expenses incurred, not yet paid | Trade payables |
-| 应付职工薪酬 (Accrued salaries) | Year-end bonus, unpaid wages | Bonus accruals |
-| 应付利息 (Accrued interest) | Interest on loans, bonds | Interest payable |
-| 预计负债 (Provisions) | Estimated obligations | Warranty, litigation |
-| 递延收益 (Deferred income) | Government grants | Subsidy income |
-| 预提费用 (Accrued expenses) | General accruals | Utilities, rent |
-
-**Other accruals:**
-
-| Item | Description |
-|------|-------------|
-| 应交税费 (Taxes payable) | Income tax, VAT, surcharges |
-| 应付股利 (Dividends payable) | Declared but unpaid |
-| 其他应付款 (Other payables) | Miscellaneous |
-
-### Step 2: Build Accrual Schedule
-
-**Monthly/quarterly accrual tracking:**
-
-| Accrual Item | Jan | Feb | ... | Q1 | Q2 | Q3 | Q4 | Full Year |
-|--------------|-----|-----|-----|----|----|----|----|-----------|
-| 应收账款增加 | | | | | | | | |
-| 预收账款增加 | | | | | | | | |
-| 应付账款增加 | | | | | | | | |
-| 应付职工薪酬 | | | | | | | | |
-| ... | | | | | | | | |
-| **Net accruals** | | | | | | | | |
-
-### Step 3: Analyze Accrual Quality
-
-**Accrual ratios:**
-
-| Ratio | Formula | Interpretation |
-|-------|---------|---------------|
-| 总应计率 | (ΔCA - ΔCash - ΔCL) / Average Assets | >0 = accrual-based earnings |
-| 应收账款/收入 | AR / Revenue | Rising = potential issues |
-| 应付账款/成本 | AP / COGS | Trend analysis |
-| 预收账款/收入 | Deferred rev / Revenue | Customer prepayments |
-| 经营现金流/净利润 | OCF / Net Income | <1 = accrual concern |
-
-**Accrual quality flags:**
-
-| Flag | Warning |
-|------|---------|
-| 应收账款增速 >> 收入增速 | Potential revenue inflation |
-| 应付账款突然减少 | Potential window dressing |
-| 预收账款大幅波动 | Revenue recognition timing |
-| 其他应付款异常 | Related party tunneling |
-
-### Step 4: CAS-Specific Accrual Items
-
-**China-specific accruals:**
-
-| Item | CAS Treatment | Notes |
-|------|--------------|-------|
-| 增值税 | Pass-through, not revenue | 不含税收入 |
-| 政府补助 | 递延收益 or 其他收益 | Timing impact |
-| 坏账准备 | 预期信用损失模型 | CAS 22 |
-| 存货跌价准备 | Lower of cost or NRV | CAS 1 |
-| 固定资产减值 | When indicators exist | CAS 8 |
-| 商誉减值 | Annual test (no reversal) | CAS 8 |
-| 辞退福利 | Employee termination | CAS 9 |
-
-### Step 5: Working Capital Accruals
-
-**Working capital accrual schedule:**
-
-| Item | Beginning | Additions | Usage | Reversal | Ending |
-|------|-----------|-----------|-------|----------|--------|
-| 坏账准备 | | | | | |
-| 存货跌价准备 | | | | | |
-| 固定资产减值 | | | | | |
-| 预计负债 (产品质量) | | | | | |
-
-### Step 6: Revenue Recognition Accruals
-
-**CAS 14 revenue recognition:**
-
-| Scenario | Recognition | Accrual Impact |
-|-----------|-------------|----------------|
-| 商品销售 (Goods) | 控制权转移时 | 通常为交付时 |
-| 提供服务 (Services) | 期间内逐步 | 劳务成本匹配 |
-| 建造合同 (Construction) | 产出法/投入法 | 长期合同 |
-| 特许经营 (Franchise) | 持续期间 | 品牌使用费 |
-
-**Revenue accrual items:**
-- 发出商品 (Goods in transit)
-- 委托代销 (Consignment)
-- 工程结算 (Construction settlement)
-- 会员费/预付费 (Membership / prepaid)
-
-### Step 7: Period-End Accrual Review
-
-**Month-end / year-end accrual checklist:**
-
-| Area | Items to Review |
-|------|----------------|
-| Revenue | Unbilled revenue, returns, allowances |
-| Purchases | Uninvoiced goods/services |
-| Payroll | Bonus, overtime, social insurance |
-| Interest | Accrued but unpaid |
-| Taxes | Tax provisions |
-| Depreciation | Monthly depreciation |
-| Provisions | Legal, warranty, restructuring |
-
-## China-Specific Considerations
-
-### Common Accrual Patterns
-
-| Industry | Typical Accruals |
-|----------|-----------------|
-| 制造业 | Raw material AP, bonus accruals |
-| 零售 | Lease accruals, loyalty programs |
-| 房地产 | 预收账款 (presale), construction accruals |
-| 建筑 | 工程结算 (progress billing) |
-| 软件 | Deferred revenue, support accruals |
-| 医药 | Rebates, returns provisions |
-
-### Audit Considerations (China)
-
-| Area | Focus |
-|------|-------|
-| 大额应计 | Materiality threshold |
-| 关联方 | Related party payables |
-| 期限 | Aging of receivables |
-| 坏账 | Adequacy of allowance |
-| 政府补助 | Compliance with grant conditions |
-
-## Quality Checks
-
-Before delivering:
-- [ ] All significant accruals identified
-- [ ] Schedule ties to financial statements
-- [ ] Trends analyzed
-- [ ] Quality flags addressed
-- [ ] CAS compliance verified
-- [ ] Audit implications noted
-> **Data Source Mode Switch**: Set env var `IFIND_DATA_SOURCE_MODE` to control data source preference.
-> - `ifind-only` (strict): Use iFind only, error if unavailable
-> - `ifind-fallback` (default): iFind preferred, fallback to AkShare
-> - `akshare-only`: Skip iFind, use AkShare only

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/china-finance/skills/china-audit-xls/SKILL.md

@@ -1,231 +0,0 @@
----
-name: china-audit-xls
-description: Audit financial models and Excel workbooks for A-share analysis. Adapts the original audit-xls skill for Chinese financial modeling standards, CAS conventions, and A-share-specific checks. Triggers on "A股模型审计", "财务模型核查", "audit model China", "audit xlsx", "模型QC", or "check model [company]".
----
-
-# china-audit-xls
-
-## Purpose
-
-Audit **A股财务模型** — comprehensive quality checks for Chinese equity financial models.
-
-## Data Sources
-
-### Tier 0 — 万得 Wind（最全面付费数据）
-- 覆盖：A股/港美股/基金/指数/债券/宏观/研报/分析（44个工具）
-- MCP 服务：`wind-mcp`（需 `WIND_API_KEY` 密钥，以 `ak_` 开头）
-- 优势：全市场覆盖面最广、数据最全面、包含研报和量化分析
-- 密钥申请：https://aifinmarket.wind.com.cn/#/home
-
-### Tier 1 — 同花顺 iFind（付费精确数据）/ AkShare MCP（Tier-2 免费备选）
-
-```python
-get_financials(ticker, "income")     → Actuals for cross-check
-get_financials(ticker, "balance")    → BS for cross-check
-get_financials(ticker, "cashflow")   → CF for cross-check
-get_quote(ticker)                    → Market data
-```
-
-### Secondary Sources
-- 巨潮 — source financials
-- 审计报告 — reference data
-
-## Workflow
-
-### Step 1: Structural Audit
-
-**Model structure checklist:**
-
-| Area | Check | Pass Criteria |
-|------|-------|--------------|
-| Cover page | Company, date, version | Present and accurate |
-| Assumptions | All key inputs centralized | No hardcoded values in calc |
-| Historicals | All periods populated | 3-5 years |
-| Forecast | Explicit forecast period | 3-5 years |
-| Valuation | DCF, comps, football field | All methods present |
-| Checks | Sum, balance, cross-ref | All checks green |
-| Documentation | Methodology notes | Clear and complete |
-
-### Step 2: Formula Audit
-
-**Formula checks:**
-
-| Check | Description | Pass Criteria |
-|-------|-------------|--------------|
-| No hardcodes | All inputs in assumptions | ✓ |
-| Consistent formulas | Same formula across periods | ✓ |
-| No circularity (unless intended) | Circular refs flagged | ✓ |
-| Error handling | IFERROR used where needed | ✓ |
-| Named ranges | Key cells named | ✓ |
-| Sheet references | Cross-sheet refs work | ✓ |
-| Broken links | No external links or all work | ✓ |
-
-**Common hardcodes to find:**
-- Growth rates embedded in formulas
-- Multiples typed into cells
-- Shares outstanding hardcoded
-- Tax rates not in assumptions
-
-### Step 3: Historicals Cross-Check
-
-**Cross-check against source data:**
-
-| Line Item | Model | iFind / AkShare / 巨潮 | Difference | Explanation |
-|-----------|-------|----------------|------------|-------------|
-| 营业收入 | | | | |
-| 营业成本 | | | | |
-| 归母净利润 | | | | |
-| 总资产 | | | | |
-| 净资产 | | | | |
-| 经营现金流 | | | | |
-
-**Cross-check tolerance:**
-- Revenue, profit: ±2%
-- Balance sheet: ±1%
-- Cash flow: ±3% (timing differences)
-
-### Step 4: CAS Compliance Check
-
-**CAS-specific checks:**
-
-| Check | Description |
-|-------|-------------|
-| Revenue net of VAT | 营业收入 not gross |
-| R&D expensed | Not capitalized (unless criteria met) |
-| Tax calculation | 25% / 15% rate applied correctly |
-| Minority interest | Separated from parent equity |
-| Government grants | Correct classification |
-| 合同负债 | Recognized appropriately |
-| 信用减值损失 | CAS 22 model applied |
-
-### Step 5: Balance Sheet Integrity
-
-**BS checks:**
-
-| Check | Formula | Pass |
-|-------|---------|------|
-| BS balances | Assets = L + E | ✓ |
-| Cash flow ties | Ending cash = Beginning + Net CF | ✓ |
-| Debt schedule | Short + Long = Total debt | ✓ |
-| Share count | Shares × Price = Market cap | ✓ |
-| Minority interest | Correct % applied | ✓ |
-
-### Step 6: Forecast Logic Check
-
-**Forecast quality:**
-
-| Check | Description | Pass |
-|-------|-------------|------|
-| Growth reasonable | Within industry range | ✓ |
-| Margins stable | No unexplained jumps | ✓ |
-| Working capital | Trends with revenue | ✓ |
-| CapEx | Consistent with depreciation | ✓ |
-| Debt service | Can be serviced from FCF | ✓ |
-| Dividend | Consistent with policy | ✓ |
-
-**Growth rate benchmarks:**
-
-| Metric | Conservative | Base | Optimistic |
-|--------|-------------|------|-----------|
-| Revenue growth | 5-10% | 10-20% | 20-30% |
-| Margin expansion | 0 ppts | 0-2 ppts | 2-5 ppts |
-| Tax rate | 25% | 25% | 15% (if 高新) |
-
-### Step 7: Valuation Check
-
-**Valuation audit:**
-
-| Method | Check | Pass |
-|--------|-------|------|
-| DCF | WACC reasonable (6-10%) | ✓ |
-| DCF | Terminal growth < GDP growth | ✓ |
-| DCF | FCF positive in base case | ✓ |
-| Comps | Peer group appropriate | ✓ |
-| Comps | Multiples reasonable | ✓ |
-| Football field | Min/median/max consistent | ✓ |
-
-**WACC components (China):**
-
-| Component | Typical Range |
-|-----------|--------------|
-| Risk-free rate (CGB 10Y) | 2.0-3.0% |
-| Equity risk premium | 6-8% |
-| Cost of debt | 3-6% |
-| Tax rate | 25% (15% for 高新) |
-
-### Step 8: Sensitivity & Scenario Check
-
-**Sensitivity audit:**
-
-| Check | Description |
-|-------|-------------|
-| Sensitivity tables | Key variables tested |
-| Scenarios | Base / Bull / Bear |
-| Tornado chart | Key drivers identified |
-| Monte Carlo (if used) | Assumptions reasonable |
-
-### Step 9: Common A-share Model Errors
-
-**Error checklist:**
-
-| Error | Detection | Fix |
-|-------|-----------|-----|
-| 收入用含税 | VAT not removed | Divide by 1.13 |
-| 税率错误 | Wrong rate applied | Verify 高新 status |
-| 单位错误 | 千元 vs 万元 | Standardize |
-| 季度加总错误 | Q+Q ≠ Annual | Check sum |
-| 增长率计算 | Wrong base period | Verify formula |
-| 少数股东损益 | Missing | Add if applicable |
-| 折旧年限 | Wrong | Check FA notes |
-
-### Step 10: Audit Report
-
-**Standard audit output:**
-
-```
-【模型审计报告】[Company] [Date]
-
-一、结构检查
-   [Structure assessment]
-
-二、公式检查
-   [Formula audit results]
-
-三、历史数据核对
-   [Cross-check results]
-
-四、CAS合规检查
-   [CAS compliance]
-
-五、预测逻辑检查
-   [Forecast quality]
-
-六、估值检查
-   [Valuation audit]
-
-七、发现的问题
-   [List of issues with severity]
-
-八、建议修复
-   [Recommended fixes]
-
-总体评价: [Pass / Pass with conditions / Fail]
-```
-
-## Quality Checks
-
-Before completing:
-- [ ] All structural checks passed
-- [ ] No hardcodes found
-- [ ] Historicals cross-checked
-- [ ] CAS compliant
-- [ ] BS/CF integrity verified
-- [ ] Forecast logic sound
-- [ ] Valuation reasonable
-- [ ] All issues documented
-> **Data Source Mode Switch**: Set env var `IFIND_DATA_SOURCE_MODE` to control data source preference.
-> - `ifind-only` (strict): Use iFind only, error if unavailable
-> - `ifind-fallback` (default): iFind preferred, fallback to AkShare
-> - `akshare-only`: Skip iFind, use AkShare only
-> - `wind-only`: Wind only, error if unavailable
-> - `wind-fallback`: Wind first, fallback to iFind → AkShare

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/china-finance/skills/china-clean-data-xls/SKILL.md

@@ -1,237 +0,0 @@
----
-name: china-clean-data-xls
-description: Clean and normalize A-share financial data for modeling. Adapts the original clean-data-xls skill for Chinese financial statements, CAS conventions, and A-share data formats. Triggers on "A股数据清洗", "财务数据清洗", "clean financial data China", "数据清洗", or "normalize financial statements".
----
-
-# china-clean-data-xls
-
-## Purpose
-
-Clean and normalize **A股财务数据** — prepare raw financial data from 巨潮 filings for modeling and analysis.
-
-## Data Sources
-
-### Tier 0 — 万得 Wind（最全面付费数据）
-- 覆盖：A股/港美股/基金/指数/债券/宏观/研报/分析（44个工具）
-- MCP 服务：`wind-mcp`（需 `WIND_API_KEY` 密钥，以 `ak_` 开头）
-- 优势：全市场覆盖面最广、数据最全面、包含研报和量化分析
-- 密钥申请：https://aifinmarket.wind.com.cn/#/home
-
-### Tier 1 — 同花顺 iFind（付费精确数据）/ AkShare MCP（Tier-2 免费备选）
-
-```python
-get_financials(ticker, "income")     → Raw income statement
-get_financials(ticker, "balance")    → Raw balance sheet
-get_financials(ticker, "cashflow")   → Raw cash flow statement
-```
-
-### Secondary Sources
-- 巨潮 — original filings (PDF/HTML)
-- 审计报告 — audited figures
-
-## Workflow
-
-### Step 1: Data Extraction
-
-**Extract from source documents:**
-
-| Document | Key Data | Format |
-|----------|----------|--------|
-| 资产负债表 | Assets, liabilities, equity | 千元 |
-| 利润表 | Revenue, expenses, profit | 千元 |
-| 现金流量表 | Operating, investing, financing CF | 千元 |
-| 报表附注 | Detail breakdowns | Text/number |
-| 审计报告 | Audit opinion, adjustments | Text |
-
-**Extraction checklist:**
-- [ ] All periods extracted (typically 3-5 years)
-- [ ] Quarterly data if needed
-- [ ] Prior year comparatives
-- [ ] Notes and footnotes captured
-
-### Step 2: Normalize Units
-
-**Unit standardization:**
-
-| Issue | Solution |
-|-------|----------|
-| 千元 vs 万元 vs 元 | Standardize to 万元 |
-| Different report dates | Align to same period-end |
-| Segment data | Map to consistent segments |
-| Currency | All CNY |
-
-**Unit conversion:**
-```
-From 千元: divide by 10 → 万元
-From 元: divide by 10,000 → 万元
-From 亿元: multiply by 10,000 → 万元
-```
-
-### Step 3: Handle CAS-Specific Items
-
-**CAS vs IFRS mapping:**
-
-| CAS Line Item | Equivalent | Notes |
-|---------------|-----------|-------|
-| 营业收入 | Revenue | Net of VAT |
-| 营业成本 | COGS | Includes VAT |
-| 税金及附加 | Tax & surcharges | 城建税, 教育费附加 |
-| 销售费用 | SG&A (selling) | |
-| 管理费用 | G&A | |
-| 研发费用 | R&D | Separated from G&A in new CAS |
-| 财务费用 | Interest & finance costs | |
-| 投资收益 | Investment income | Including 联营/合营 |
-| 公允价值变动 | Fair value change | |
-| 信用减值损失 | Credit impairment | New CAS 22 |
-| 资产减值损失 | Asset impairment | |
-| 资产处置收益 | Asset disposal | |
-| 营业外收入 | Non-operating income | Including 政府补助 |
-| 营业外支出 | Non-operating expense | |
-| 所得税费用 | Income tax | |
-| 净利润 | Net income | |
-| 归母净利润 | Net income to parent | Key metric |
-| 扣非净利润 | Non-GAAP net income | |
-
-### Step 4: Fix Common Data Issues
-
-**Common issues and fixes:**
-
-| Issue | Detection | Fix |
-|-------|-----------|-----|
-| Missing periods | Gap in data | Flag for manual fill |
-| Restated figures | Footnote "重述" | Use most recent restatement |
-| Segment reclassification | Note disclosure | Map to new segments |
-| One-time items | Large/unusual items | Flag for normalization |
-| Related party | 关联交易标注 | Identify and quantify |
-| Accounting change | Policy change note | Adjust comparables |
-| Error | Doesn't sum | Investigate and correct |
-
-### Step 5: Revenue Breakdown
-
-**Revenue by type:**
-
-| Type | CAS Line | Notes |
-|------|----------|-------|
-| 主营业务收入 | Core revenue | Main business |
-| 其他业务收入 | Other revenue | Ancillary |
-| 合计 | Total revenue | |
-
-**Revenue by geography (if disclosed):**
-
-| Region | Current Year | Prior Year | Growth |
-|--------|-------------|------------|--------|
-| 国内 | | | |
-| 海外 | | | |
-| 合计 | | | |
-
-### Step 6: Expense Normalization
-
-**Normalize non-recurring items:**
-
-| Item | Treatment |
-|------|-----------|
-| 资产处置收益/损失 | Exclude from operations |
-| 政府补助 (non-recurring) | Exclude or note separately |
-| 诉讼/罚款 | Exclude |
-| 减值 (one-time) | Exclude or normalize |
-| 并购相关费用 | Exclude |
-
-**Adjusted metrics:**
-```
-调整后营业收入 = 营业收入 - 其他业务收入
-调整后营业成本 = 营业成本 (core only)
-调整毛利率 = 调整后毛利 / 调整后收入
-```
-
-### Step 7: Balance Sheet Clean-up
-
-**Balance sheet mapping:**
-
-| CAS Item | Modeling Category |
-|----------|------------------|
-| 货币资金 | Cash & equivalents |
-| 交易性金融资产 | Short-term investments |
-| 应收票据 | Notes receivable |
-| 应收账款 | Accounts receivable |
-| 预付款项 | Prepayments |
-| 其他应收款 | Other receivables |
-| 存货 | Inventory |
-| 其他流动资产 | Other current assets |
-| 长期股权投资 | Long-term investments |
-| 固定资产 | PPE |
-| 在建工程 | Construction in progress |
-| 无形资产 | Intangibles |
-| 商誉 | Goodwill |
-| 长期待摊费用 | Deferred charges |
-| 其他非流动资产 | Other non-current |
-| 短期借款 | Short-term debt |
-| 应付票据 | Notes payable |
-| 应付账款 | Accounts payable |
-| 合同负债 | Contract liabilities |
-| 应付职工薪酬 | Accrued compensation |
-| 应交税费 | Taxes payable |
-| 其他应付款 | Other payables |
-| 一年内到期非流动负债 | Current portion LTD |
-| 长期借款 | Long-term debt |
-| 应付债券 | Bonds payable |
-| 预计负债 | Provisions |
-| 递延所得税负债 | DTL |
-| 其他非流动负债 | Other non-current |
-| 股本 | Share capital |
-| 资本公积 | Capital reserve |
-| 盈余公积 | Retained earnings (statutory) |
-| 未分配利润 | Retained earnings |
-| 归属于母公司股东权益 | Parent equity |
-| 少数股东权益 | Minority interest |
-
-### Step 8: Quality Checks
-
-**Data quality checklist:**
-
-| Check | Pass Criteria |
-|-------|--------------|
-| Balance sheet balances | Assets = Liabilities + Equity |
-| Cash flow ties | CF = ending cash - beginning cash |
-| Revenue matches | Cross-check with segment data |
-| Tax reasonable | Tax / pre-tax income ~25% |
-| Depreciation consistent | D&A / PPE stable |
-| Interest matches | Interest / debt reasonable |
-
-## China-Specific Data Issues
-
-### Common Issues
-
-| Issue | Example | Fix |
-|-------|---------|-----|
-| 单位不一致 | Some 千元, some 元 | Standardize |
-| 会计政策变更 | Revenue recognition change | Adjust comparables |
-| 报表格式变化 | New line items | Map to old format |
-| 追溯调整 | Prior period restatement | Use restated figures |
-| 外币报表 | Subsidiary in USD | Convert to CNY |
-
-### CAS-Specific Treatments
-
-| Item | CAS Treatment |
-|------|--------------|
-| 研发费用 | Must be expensed (not capitalized, generally) |
-| 政府补助 | 总额法 vs 净额法 |
-| 股份支付 | Expensed over vesting period |
-| 保险合同 | CAS 25 (if applicable) |
-
-## Quality Checks
-
-Before passing data for modeling:
-- [ ] All periods complete
-- [ ] Units standardized
-- [ ] Balance sheet balances
-- [ ] Cash flow ties
-- [ ] CAS items correctly mapped
-- [ ] Non-recurring items flagged
-- [ ] Restatements applied
-- [ ] Quality issues documented
-> **Data Source Mode Switch**: Set env var `IFIND_DATA_SOURCE_MODE` to control data source preference.
-> - `ifind-only` (strict): Use iFind only, error if unavailable
-> - `ifind-fallback` (default): iFind preferred, fallback to AkShare
-> - `akshare-only`: Skip iFind, use AkShare only
-> - `wind-only`: Wind only, error if unavailable
-> - `wind-fallback`: Wind first, fallback to iFind → AkShare