@v587d/capital-generation 2.10.2 → 2.11.1

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/operations/skills/china-kyc-rules/SKILL.md

@@ -1,223 +0,0 @@
----
-name: china-kyc-rules
-description: Chinese KYC (Know Your Customer) and AML (Anti-Money Laundering) rules for financial services. Adapts the original kyc-rules skill for Chinese regulatory requirements and domestic compliance. Triggers on "A股KYC规则", "中国反洗钱", "AML rules China", "KYC compliance China", "反洗钱规定", or "KYC requirements".
----
-
-# china-kyc-rules
-
-## Purpose
-
-Define **中国KYC与反洗钱规则** — comprehensive KYC/AML requirements for Chinese financial services.
-
-## 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）
-
-## Regulatory Framework
-
-### Primary Regulations
-
-| Regulation | Authority | Key Requirement |
-|------------|-----------|-----------------|
-| 反洗钱法 | 全国人大常委会 | AML framework law |
-| 金融机构客户尽职调查和客户身份资料及交易记录保存管理办法 | 央行 | CDD/KYC requirements |
-| 金融机构大额交易和可疑交易报告管理办法 | 央行 | STR reporting |
-| 法人金融机构洗钱和恐怖融资风险自评估指引 | 央行 | Risk assessment |
-| 受益所有人身份识别办法 | 央行 | UBO identification |
-| 证券期货业反洗钱工作规程 | 证监会 | Securities-specific AML |
-
-## Customer Identification
-
-### 1. 客户身份识别 (Customer Identification)
-
-**Minimum identification requirements:**
-
-| Customer Type | Required ID | Additional |
-|--------------|-------------|------------|
-| 中国自然人 | 身份证 (verified) | |
-| 外国自然人 | 护照 + 居留许可 | |
-| 中国法人 | 营业执照 + 法人身份证 | |
-| 外国法人 | 注册证明 + 授权代表 | |
-| 合伙企业 | 营业执照 + 合伙协议 | |
-| 个体工商户 | 营业执照 + 经营者身份证 | |
-
-### 2. 受益所有人识别 (UBO Identification)
-
-**UBO identification rules:**
-
-| Ownership % | UBO Identification |
-|------------|-------------------|
-| ≥25% direct | Direct owner |
-| ≥25% indirect | Chain through entities |
-| No 25% owner | Controlling person (实际控制人) |
-| Government | N/A (state entity) |
-
-**UBO information to collect:**
-
-| Field | Content |
-|-------|---------|
-| 姓名/名称 | Name |
-| 身份证件 | ID type and number |
-| 地址 | Address |
-| 持股比例 | Ownership % |
-| 控制方式 | Control mechanism |
-
-### 3. 客户风险分类 (Customer Risk Classification)
-
-**Risk categories:**
-
-| Category | Criteria | Due Diligence |
-|----------|----------|--------------|
-| 低风险 | Listed companies, government entities | Simplified CDD |
-| 中风险 | Private companies, HNW individuals | Standard CDD |
-| 高风险 | PEPs, high-risk jurisdictions | Enhanced CDD |
-
-**Risk factors:**
-
-| Factor | Low | Medium | High |
-|--------|-----|--------|------|
-| 客户类型 | Listed, gov | Private corp | Shell company |
-| 行业 | Low risk | Medium | Gambling, MSB |
-| 地理位置 | Onshore | Main cities | Offshore, high-risk |
-| 交易模式 | Simple, regular | Moderate | Complex, unusual |
-| PEP | No | No | Yes |
-
-### 4. 尽职调查程序 (Due Diligence Procedures)
-
-**Simplified CDD (低风险):**
-
-| Step | Action |
-|------|--------|
-| 1 | Identify customer |
-| 2 | Verify identity |
-| 3 | Record information |
-
-**Standard CDD (中风险):**
-
-| Step | Action |
-|------|--------|
-| 1 | Identify customer |
-| 2 | Verify identity |
-| 3 | Identify UBO |
-| 4 | Understand nature of business |
-| 5 | Verify source of funds |
-| 6 | Ongoing monitoring |
-
-**Enhanced CDD (高风险):**
-
-| Step | Action |
-|------|--------|
-| 1-6 | Standard CDD |
-| 7 | Senior management approval |
-| 8 | Enhanced source of wealth |
-| 9 | Enhanced ongoing monitoring |
-| 10 | PEP approval (if applicable) |
-
-### 5. 持续识别 (Ongoing Monitoring)
-
-**Ongoing CDD requirements:**
-
-| Activity | Frequency |
-|----------|-----------|
-| 客户信息更新 | Every 3-5 years or upon change |
-| 交易监控 | Real-time / Daily |
-| 风险等级重估 | Every 1-3 years |
-| 受益所有人更新 | Upon change |
-
-## Transaction Monitoring
-
-### 大额交易 (Large Transactions)
-
-**Reporting thresholds:**
-
-| Type | Threshold | Action |
-|------|-----------|--------|
-| 现金 | RMB 50,000+ | Report |
-| 转账 | RMB 200,000+ (individual) | Report |
-| 转账 | RMB 500,000+ (entity) | Report |
-| 跨境 | RMB 20,000+ | Report |
-
-### 可疑交易 (Suspicious Transactions)
-
-**Suspicious transaction indicators:**
-
-| Pattern | Concern |
-|---------|---------|
-| 快进快出 | Rapid in-out (layering) |
-| 分散转入集中转出 | Multiple in, one out (structuring) |
-| 集中转入分散转出 | One in, multiple out |
-| 长期休眠账户突然激活 | Dormant account activation |
-| 交易对手为高风险地区 | High-risk jurisdiction |
-| 交易与客户背景不符 | Mismatch with profile |
-| 大额现金交易 | Large cash transactions |
-| 频繁跨境交易 | Frequent cross-border |
-
-### 交易记录保存 (Record Keeping)
-
-| Record | Retention Period |
-|--------|-----------------|
-| 客户身份资料 | Business relationship + 5 years |
-| 交易记录 | 5 years from transaction |
-| 大额交易报告 | 5 years |
-| 可疑交易报告 | 20 years |
-
-## A-share Specific Requirements
-
-### Securities Account KYC
-
-| Requirement | Detail |
-|-------------|--------|
-| 三方存管 | Third-party custody |
-| 身份核验 | Real-name registration |
-| 风险测评 | Risk assessment questionnaire |
-| 适当性匹配 | Suitability matching |
-| 回访 | Follow-up calls |
-
-### Account Opening Process
-
-| Step | Action | Document |
-|------|--------|----------|
-| 1 | 身份核验 | ID card verification |
-| 2 | 风险测评 | Risk questionnaire |
-| 3 | 适当性评估 | Suitability assessment |
-| 4 | 签署协议 | Account agreement |
-| 5 | 三方存管 | Bank linkage |
-| 6 | 回访 | Telephone confirmation |
-
-## Sanctions & Restrictions
-
-### 禁止交易名单 (Restricted List)
-
-| Category | Examples |
-|----------|---------|
-| 失信被执行人 | Debtors in default |
-| 资本市场失信 | Market ban list |
-| 私募禁止 | Private fund bans |
-| 证券业协会 | Industry bans |
-
-### 高风险地区 (High-Risk Jurisdictions)
-
-| Region | Risk Level |
-|--------|-----------|
-| FATF灰名单 | Enhanced CDD |
-| FATF黑名单 | Prohibited |
-| OFAC制裁名单 | Prohibited |
-| 联合国制裁名单 | Prohibited |
-
-## Quality Checks
-
-Before completing:
-- [ ] Customer identified and verified
-- [ ] UBO identified
-- [ ] Risk classification assigned
-- [ ] CDD procedures followed
-- [ ] Source of funds verified
-- [ ] Transaction monitoring in place
-- [ ] Records maintained
-- [ ] Reports filed as required

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/private-equity/skills/china-ai-readiness/SKILL.md

@@ -1,184 +0,0 @@
----
-name: china-ai-readiness
-description: Assess an A-share portfolio company's AI readiness for China-focused private equity investments. Evaluates data infrastructure, technology stack, talent, and AI adoption opportunities in the Chinese market context. Triggers on "A股公司AI评估", "AI readiness China", "AI assessment portfolio company", "AI转型评估", or "artificial intelligence readiness [company]".
----
-
-# china-ai-readiness
-
-## Purpose
-
-Evaluate **A股被投企业AI就绪度** — assessing portfolio companies' preparedness for AI adoption and transformation in the Chinese market context.
-
-## Data Sources
-
-### Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)
-
-```python
-get_quote(ticker)                        → Company valuation context
-get_financials(ticker, "income")         → Revenue scale, R&D spend
-get_stock_info(ticker)                   → Business description
-```
-
-### Secondary Sources
-- 巨潮 — company filings, R&D disclosure
-- 券商研报 — technology assessments
-- 行业报告 — AI adoption benchmarks
-
-## Workflow
-
-### Step 1: Assess Data Infrastructure
-
-**Data readiness dimensions:**
-
-| Dimension | Assessment | China Context |
-|-----------|-----------|---------------|
-| 数据积累 (Data accumulation) | Years of data, volume | Chinese companies often have rich transaction data |
-| 数据质量 (Data quality) | Completeness, accuracy | Legacy systems may have gaps |
-| 数据打通 (Data integration) | Siloed vs unified | Common challenge: ERP/WMS/CRM not integrated |
-| 数据治理 (Data governance) | Policies, standards | Often underdeveloped |
-| 数字化基础 (Digital foundation) | ERP, cloud adoption | Varies widely by industry/company age |
-
-### Step 2: Evaluate Technology Stack
-
-**Technology assessment:**
-
-| Layer | Questions | Typical China Status |
-|-------|-----------|---------------------|
-| 基础设施 | Cloud? On-premise? | Mix of on-premise and hybrid |
-| 数据平台 | Data warehouse? BI tools? | Often Excel-heavy |
-| 应用系统 | ERP, CRM, WMS, MES? | ERP common (用友, 金蝶, SAP) |
-| 开发能力 | Internal IT team? | Varies; often outsourced |
-| 技术投入 | IT spend as % revenue? | Typically 1-3% |
-
-### Step 3: Talent Assessment
-
-**AI/tech talent:**
-
-| Role | Availability in China | Typical Company Status |
-|------|----------------------|----------------------|
-| 数据科学家 | Scarce, expensive | Usually not in-house |
-| 算法工程师 | Scarce | Outsourced or absent |
-| 数据工程师 | Available | Often basic level |
-| 业务分析师 | Available | Excel-based mostly |
-| 数字化领导 | Rare | Gap at leadership level |
-
-### Step 4: Business Process Readiness
-
-**Process digitization level:**
-
-| Process | Assessment | AI Potential |
-|---------|-----------|-------------|
-| 客户管理 | CRM adoption | Customer analytics, personalization |
-| 供应链 | ERP, WMS | Demand forecasting, optimization |
-| 生产制造 | MES, IoT | Predictive maintenance, quality |
-| 财务管理 | ERP, Excel | Automated reporting, anomaly detection |
-| 营销销售 | WeChat, 抖音 | Targeted marketing, conversion |
-| 人力资源 | Basic HR system | Workforce analytics |
-
-### Step 5: Identify AI Opportunities
-
-**Opportunity mapping:**
-
-| Business Function | AI Application | Expected Impact | Effort |
-|------------------|---------------|-----------------|--------|
-| 销售预测 | Demand forecasting | 10-20% accuracy improvement | Medium |
-| 客户洞察 | Customer segmentation | 15-25% marketing ROI | Medium |
-| 供应链优化 | Inventory optimization | 10-30% inventory reduction | High |
-| 质量控制 | Defect detection | 30-50% defect reduction | High |
-| 财务自动化 | Invoice processing | 50-80% time savings | Low |
-| 客服 | Chatbot | 30-50% cost reduction | Medium |
-
-### Step 6: Competitive Benchmarking
-
-**Peer comparison:**
-
-| Company | Digital Investment (% rev) | Key AI Initiatives | Maturity |
-|---------|---------------------------|-------------------|----------|
-| Target | [X%] | [Description] | Level 1-5 |
-| Peer 1 | [X%] | [Description] | Level |
-| Peer 2 | [X%] | [Description] | Level |
-| Industry avg | [X%] | | Level |
-
-### Step 7: Develop AI Roadmap
-
-**Phased approach:**
-
-**Phase 1: Foundation (0-6 months)**
-- Data audit and cleanup
-- Identify quick-win AI applications
-- Hire/develop data team
-- Cloud migration planning
-
-**Phase 2: Pilot (6-18 months)**
-- 1-2 AI pilots
-- Data platform build-out
-- Training and change management
-- Measure and iterate
-
-**Phase 3: Scale (18-36 months)**
-- Expand AI across functions
-- Advanced analytics capabilities
-- AI-driven decision making
-- Competitive advantage establishment
-
-### Step 8: Investment Implications
-
-**For PE investors:**
-
-| Scenario | Implication |
-|----------|-------------|
-| High readiness | Accelerate with AI investment; value creation potential |
-| Medium readiness | 1-2 year improvement path; build data foundation |
-| Low readiness | Significant gap; may limit exit multiple expansion |
-| No readiness | Strategic question: can this company compete long-term? |
-
-**Value creation through AI:**
-- Margin expansion (automation)
-- Revenue growth (better targeting, personalization)
-- Valuation multiple expansion (tech premium)
-- Competitive positioning
-
-## China-Specific AI Context
-
-### China AI Landscape
-
-| Layer | Key Players / Technologies |
-|-------|---------------------------|
-| Foundation models | 百度文心, 阿里通义, 讯飞星火, 智谱 |
-| Computer vision | 商汤, 旷视, 依图 |
-| NLP | 百度, 科大讯飞 |
-| Industry AI | 海康, 大华 (vision), 格灵深瞳 |
-| Cloud AI | 阿里云, 腾讯云, 华为云, 百度智能云 |
-
-### China AI Adoption Patterns
-
-| Industry | AI Readiness | Key Applications |
-|----------|-------------|-------------------|
-| 制造业 | Medium-High | Quality control, predictive maintenance |
-| 零售 | Medium | Customer analytics, recommendation |
-| 金融 | High | Risk scoring, fraud detection |
-| 医疗 | Medium | Imaging, drug discovery |
-| 物流 | Medium-High | Route optimization, warehouse |
-| 农业 | Low-Medium | Precision agriculture |
-
-### Data Considerations (China)
-
-- **数据安全法** (Data Security Law) — data localization requirements
-- **个人信息保护法** (PIPL) — personal data restrictions
-- **数据跨境** — cross-border data transfer restrictions
-- **政府数据** — access to government data sources
-
-## Quality Checks
-
-Before delivering:
-- [ ] Data infrastructure assessed
-- [ ] Technology stack documented
-- [ ] Talent gap identified
-- [ ] AI opportunities mapped
-- [ ] Roadmap realistic and phased
-- [ ] Investment implications clear
-- [ ] China regulatory context included
-> **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, wind-only (Wind only), wind-fallback (Wind first, fallback to iFind → AkShare)`: Skip iFind, use AkShare only

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/private-equity/skills/china-dd-checklist/SKILL.md

@@ -1,217 +0,0 @@
----
-name: china-dd-checklist
-description: Due diligence checklists for A-share investments and M&A transactions. Adapted from the original dd-checklist skill for Chinese market due diligence requirements, regulatory filings, and business practices. Triggers on "A股尽调清单", "尽调清单", "due diligence China", "DD checklist A-share", "尽调checklist [company]", or "due diligence questions [company]".
----
-
-# china-dd-checklist
-
-## Purpose
-
-Provide comprehensive **A股及中国市场尽调清单** — structured checklists for investment and M&A due diligence.
-
-## DD Categories
-
-### 1. 商业尽调 (Commercial DD)
-
-**Industry & Market:**
-- [ ] Market size and growth trajectory
-- [ ] Competitive landscape (5-10 peers mapped)
-- [ ] Market share trends
-- [ ] Customer concentration
-- [ ] Supplier concentration
-- [ ] Pricing power assessment
-- [ ] Barriers to entry
-- [ ] Technology disruption risk
-
-**Business Model:**
-- [ ] Revenue model clarity and sustainability
-- [ ] Customer acquisition channels
-- [ ] Unit economics (if applicable)
-- [ ] Revenue recognition policy
-- [ ] Seasonality patterns
-- [ ] Geographic diversification
-- [ ] Product pipeline
-- [ ] Dependency on key customers/suppliers
-
-**Operations:**
-- [ ] Capacity utilization
-- [ ] Supply chain resilience
-- [ ] Quality control systems
-- [ ] Operational efficiency benchmarks
-- [ ] Key operational metrics
-- [ ] Technology infrastructure
-
-### 2. 财务尽调 (Financial DD)
-
-**Historical Financials:**
-
-| Item | Source | Verification |
-|------|--------|-------------|
-| 审计报告 (Audit reports) | 巨潮 | Check audit opinion |
-| 财务报表 (Financial statements) | 巨潮 | Cross-check against filings |
-| 关联交易 (Related party) | 年报附注 | Identify and quantify |
-| 政府补助 (Subsidies) | 利润表附注 | Normalize earnings |
-| 资产减值 (Impairments) | 利润表 | One-time vs recurring |
-| 收入确认 | 年报附注 | Policy assessment |
-
-**Quality of Earnings:**
-- [ ] Revenue quality (cash vs accrual)
-- [ ] Operating cash flow vs net income
-- [ ] One-time items identified and quantified
-- [ ] Non-recurring gains/losses
-- [ ] Accounting policy changes
-- [ ] Earnings management indicators
-
-**Balance Sheet:**
-- [ ] Cash and cash equivalents confirmed
-- [ ] Receivables aging and adequacy of allowance
-- [ ] Inventory valuation and obsolescence
-- [ ] Fixed asset verification
-- [ ] Intangible assets and goodwill
-- [ ] Debt schedule (all borrowings)
-- [ ] Off-balance sheet items
-- [ ] Contingent liabilities
-
-**Cash Flow:**
-- [ ] Operating CF reconciliation
-- [ ] CapEx sustainability
-- [ ] Free cash flow calculation
-- [ ] Working capital trends
-- [ ] Non-recurring CF items
-
-### 3. 法律尽调 (Legal DD)
-
-**Corporate:**
-- [ ] 营业执照 (Business license) validity
-- [ ] 公司章程 (Articles of association)
-- [ ] 股权结构 (Shareholding structure) — clean cap table
-- [ ] 历史沿革 (Corporate history) — any irregularities
-- [ ] 子公司/分公司 (Subsidiaries/branches) — complete list
-- [ ] 对外投资 (External investments)
-
-**Compliance:**
-- [ ] Tax compliance (税务合规) — past 3 years
-- [ ] Social insurance (社保) compliance
-- [ ] Environmental compliance (环保)
-- [ ] Industry-specific licenses (行业资质)
-- [ ] Import/export licenses
-- [ ] Quality certifications
-
-**Contracts:**
-- [ ] Material contracts (>5% revenue)
-- [ ] Customer contracts (concentration risk)
-- [ ] Supplier contracts
-- [ ] Loan agreements
-- [ ] Lease agreements
-- [ ] IP licensing agreements
-- [ ] Joint venture agreements
-- [ ] Guarantees and commitments
-
-**Litigation:**
-- [ ] Pending litigation (诉讼)
-- [ ] Arbitration cases (仲裁)
-- [ ] Administrative penalties (行政处罚)
-- [ ] Labor disputes
-- [ ] IP disputes
-
-**IP:**
-- [ ] Patent portfolio (专利)
-- [ ] Trademark registrations (商标)
-- [ ] Copyright registrations (著作权)
-- [ ] Domain names
-- [ ] Software licenses
-
-### 4. 税务尽调 (Tax DD)
-
-| Area | Checklist |
-|------|-----------|
-| 企业所得税 | Filing compliance, deductions, incentives |
-| 增值税 | Filing compliance, input VAT |
-| 附加税 | Surcharges compliance |
-| 个人所得税 | Withholding compliance |
-| 社保/公积金 | Payment compliance |
-| 税收优惠 | Qualification for 高新技术企业 etc. |
-| 转让定价 | Related party pricing |
-| 历史欠税 | Outstanding tax disputes |
-
-### 5. 人力资源尽调 (HR DD)
-
-| Area | Checklist |
-|------|-----------|
-| 劳动合同 | Employment agreements standard |
-| 社保/公积金 | Compliance and amounts |
-| 股权激励 | ESOP schemes, vesting, dilution |
-| 核心员工 | Key person dependencies |
-| 竞业限制 | Non-compete agreements |
-| 裁员历史 | Any mass layoffs or disputes |
-| 工会/协会 | Union affiliations |
-
-### 6. 环境尽调 (Environmental DD)
-
-| Area | Checklist |
-|------|-----------|
-| 环评批复 | Environmental impact assessment |
-| 排污许可 | Discharge permits |
-| 环保处罚 | Past violations |
-| 土壤/地下水 | Contamination risk |
-| 能耗指标 | Energy consumption, efficiency |
-| 碳中和 | Carbon footprint, compliance |
-
-### 7. IT / 网络安全尽调
-
-| Area | Checklist |
-|------|-----------|
-| 系统架构 | IT infrastructure overview |
-| 数据安全 | Data protection measures |
-| 网络安全 | Cybersecurity assessment |
-| 等保合规 | Level of protection compliance |
-| 数据隐私 | PIPL compliance |
-| 业务连续性 | Disaster recovery plans |
-
-### 8. 行业特殊尽调
-
-| Industry | Special DD Items |
-|----------|-----------------|
-| 医药 | GMP, clinical trial data, drug approvals |
-| 金融 | Regulatory licenses, capital adequacy |
-| 房地产 | Land ownership, 预售证, land reserves |
-| 新能源 | Technology patents, subsidy dependency |
-| 互联网 | ICP license, data compliance, user agreements |
-| 制造 | Quality certifications, supply chain |
-
-## China-Specific DD Considerations
-
-### Regulatory Environment
-
-| Regulation | DD Relevance |
-|-----------|--------------|
-| 公司法 | Corporate governance |
-| 证券法 | If considering public listing |
-| 反垄断法 | M&A approval thresholds |
-| 数据安全法 | Data handling compliance |
-| 个人信息保护法 | Privacy compliance |
-| 环保法 | Environmental liability |
-| 税法 | Tax compliance and optimization |
-
-### Common Red Flags
-
-| Red Flag | Investigation Required |
-|----------|----------------------|
-| 实际控制人不明 | Ownership verification |
-| 大量关联交易 | Related party transaction analysis |
-| 大股东高比例质押 | Share pledge risk |
-| 频繁变更审计师 | Accounting quality concern |
-| 大额政府补助依赖 | Earnings quality concern |
-| 商誉占净资产 >30% | Impairment risk |
-| 行政处罚频繁 | Compliance culture |
-| 核心人员流失 | Management stability |
-
-## Quality Checks
-
-Before delivering DD report:
-- [ ] All categories addressed
-- [ ] Sources verified (巨潮, filings)
-- [ ] Red flags identified and investigated
-- [ ] Material risks quantified
-- [ ] Recommendations clear
-- [ ] All findings documented