@v587d/capital-generation 2.7.2 → 2.7.4

package/selected-skills/claude-for-financial-services-cn/vertical-plugins/wealth-management/skills/china-client-review/SKILL.md

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+---
+name: china-client-review
+description: Prepare for Chinese wealth management client meetings with performance summaries, talking points, and relationship context. Adapted from the original client-review skill for A-share portfolios and Chinese client conventions. Triggers on "A股客户回顾", "客户会议准备", "client review China", "wealth client review", "客户回访准备", or "prepare for client meeting [client]".
+---
+
+# china-client-review
+
+## Purpose
+
+Prepare comprehensive **A股财富管理客户会议材料** — performance summaries, talking points, and relationship context for client meetings.
+
+## Data Sources
+
+### Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)
+
+```python
+get_index_data("000001")              → 上证 benchmark
+get_index_data("399006")              → 创业板 benchmark
+get_index_data("000300")              → 沪深300 benchmark
+```
+
+### Secondary Sources
+- Portfolio management system (client holdings)
+- Wind / Choice — market data
+- Research team — market outlook
+
+## Workflow
+
+### Step 1: Client Profile Review
+
+**Client context:**
+
+| Attribute | Detail |
+|-----------|--------|
+| 客户名称 | |
+| 风险等级 | C1-C5 (conservative to aggressive) |
+| 投资目标 | 保值 / 增值 / 养老 / 教育 / 传承 |
+| 投资期限 | Short / Medium / Long term |
+| 流动性需求 | High / Medium / Low |
+| 特殊需求 | 税务优化, 慈善, 家族信托 |
+
+### Step 2: Portfolio Performance Summary
+
+**Performance dashboard:**
+
+| Metric | YTD | 1Y | 3Y | Since Inception |
+|--------|-----|----|----|-----------------|
+| Portfolio return | X.XX% | X.XX% | X.XX% | X.XX% |
+| Benchmark (沪深300) | X.XX% | X.XX% | X.XX% | X.XX% |
+| Active return | X.XX% | X.XX% | X.XX% | X.XX% |
+| Best period | | | | |
+| Worst period | | | | |
+
+**Performance attribution:**
+
+| Driver | Contribution |
+|--------|-------------|
+| Security selection | X.XX% |
+| Sector allocation | X.XX% |
+| Cash/bond yield | X.XX% |
+| Fees | X.XX% |
+| **Total** | **X.XX%** |
+
+### Step 3: Holdings Review
+
+**Portfolio composition:**
+
+| Asset Class | Allocation | Benchmark | Active |
+|-------------|-----------|-----------|--------|
+| A股权益 | XX% | XX% | ±X% |
+| 基金 | XX% | XX% | ±X% |
+| 债券/理财 | XX% | XX% | ±X% |
+| 现金 | XX% | XX% | ±X% |
+
+**Top positions:**
+
+| Security | Ticker | Allocation | Period Return | Comment |
+|----------|--------|-----------|---------------|---------|
+| | | | | |
+
+**Changes since last meeting:**
+
+| Action | Security | Reason | Date |
+|--------|----------|---------|------|
+| Buy | | | |
+| Sell | | | |
+| Rebalance | | | |
+
+### Step 4: Talking Points
+
+**Meeting agenda:**
+
+```
+一、业绩回顾
+   - 整体表现 vs 基准
+   - 主要贡献/拖累
+   - 操作回顾
+
+二、市场展望
+   - 当前市场环境
+   - 行业配置观点
+   - 风险提示
+
+三、组合分析
+   - 配置合理性评估
+   - 是否需要调整
+   - 新机会/风险提示
+
+四、客户需求
+   - 听取客户反馈
+   - 调整投资目标
+   - 流动性需求变化
+
+五、下一步计划
+   - 具体操作建议
+   - 下次会议时间
+```
+
+### Step 5: Personalized Insights
+
+**Client-specific topics:**
+
+| Topic | Details |
+|-------|---------|
+| 近期大额交易 | Explain rationale |
+| 重大盈亏 | Contextualize, don't overemphasize |
+| 分红/利息收入 | Highlight cash generation |
+| 税务考虑 | Tax-loss harvesting opportunities |
+| 目标进度 | Progress toward goals |
+
+### Step 6: Market Outlook Brief
+
+**Brief market context:**
+
+```
+市场展望 [Period]
+
+一、宏观经济
+   - GDP预期
+   - 货币政策 (央行取向)
+   - 财政政策
+
+二、权益市场
+   - A股估值水平 (PE/PB历史分位)
+   - 资金面 (北向/南向, 两融)
+   - 情绪指标
+
+三、行业观点
+   - 看多: [Sectors]
+   - 看空: [Sectors]
+   - 中性: [Sectors]
+
+四、风险因素
+   - [Key risks]
+```
+
+### Step 7: Action Items & Follow-up
+
+**Meeting outcomes:**
+
+| Action | Owner | Deadline |
+|--------|-------|----------|
+| | | |
+
+**Next meeting:**
+- Scheduled date
+- Preliminary agenda
+- Pre-work items
+
+## China-Specific Considerations
+
+### Client Communication Style
+
+| Preference | Approach |
+|------------|----------|
+| 保守型 | Emphasize capital preservation, downside protection |
+| 稳健型 | Balanced risk-return, steady growth |
+| 进取型 | Growth opportunities, upside potential |
+| 专业型 | Detailed analysis, data-driven |
+
+### Common Client Concerns (A-share)
+
+| Concern | Response Strategy |
+|---------|------------------|
+| 账户亏损 | Explain cycle, quality of holdings, recovery path |
+| 为什么亏钱 | Attribute clearly, don't blame market |
+| 能不能赚钱 | Realistic return expectations |
+| 什么时候涨 | Market timing acknowledgment + process focus |
+| 个股为什么跌/涨 | Fundamental explanation |
+| 要不要赎回 | Assess goals, time horizon, alternatives |
+
+### Regulatory Considerations
+
+- 适当性管理 (suitability assessment)
+- 风险揭示 (risk disclosure)
+- 业绩比较基准 (benchmark disclosure)
+- 费用披露 (fee transparency)
+- 冷静期规定 (cooling-off period for new investments)
+
+## Quality Checks
+
+Before meeting:
+- [ ] Portfolio data current
+- [ ] Performance calculations accurate
+- [ ] Talking points prepared
+- [ ] Market outlook current
+- [ ] Meeting materials organized
+- [ ] Regulatory disclosures included
+
+After meeting:
+- [ ] Meeting minutes documented
+- [ ] Action items assigned
+- [ ] Portfolio adjustments executed
+- [ ] Next meeting scheduled
+> **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/wealth-management/skills/china-financial-plan/SKILL.md

@@ -0,0 +1,259 @@
+---
+name: china-financial-plan
+description: Create financial plans for Chinese wealth management clients covering retirement, education, estate, and cash-flow planning. Adapted from the original financial-plan skill for Chinese tax rules, social security, and local financial products. Triggers on "A股财务规划", "理财规划", "financial plan China", "retirement plan China", "财务规划客户", "退休规划", "教育金规划", or "comprehensive financial plan".
+---
+
+# china-financial-plan
+
+## Purpose
+
+Create comprehensive **中国家庭/个人财务规划** — retirement, education, estate, and cash-flow planning adapted for Chinese context.
+
+## Data Sources
+
+### Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)
+
+```python
+get_index_data("000001")              → A股 historical returns
+get_fund_data(fund_code)              → Fund performance data
+```
+
+### Secondary Sources
+- 社保 — social security data
+- 公积金 — housing fund data
+- Wind / Choice — investment product data
+- Insurance companies — insurance product info
+
+## Workflow
+
+### Step 1: Client Profile & Goals
+
+**Client demographics:**
+
+| Attribute | Detail |
+|-----------|--------|
+| 年龄 | |
+| 职业 | |
+| 家庭结构 | Single / Married / Children |
+| 收入 | Annual income (税前) |
+| 支出 | Monthly/annual expenses |
+| 资产 | Current net worth |
+| 负债 | Mortgage, other debt |
+
+**Financial goals:**
+
+| Goal | Timeline | Target Amount | Priority |
+|------|----------|---------------|----------|
+| 退休金 | XX years | ¥XXX万 | High/Med/Low |
+| 子女教育 | XX years | ¥XXX万 | High/Med/Low |
+| 购房 | X years | ¥XXX万 | High/Med/Low |
+| 旅游/生活方式 | Ongoing | ¥XX万/年 | |
+| 遗产规划 | Long-term | | |
+
+### Step 2: Cash Flow Analysis
+
+**Income sources:**
+
+| Source | Monthly | Annual | Stability |
+|--------|---------|--------|-----------|
+| 工资收入 | ¥X | ¥XX | Stable/Variable |
+| 经营收入 | ¥X | ¥XX | Variable |
+| 投资收入 | ¥X | ¥XX | Variable |
+| 租金收入 | ¥X | ¥XX | Semi-stable |
+| 其他 | ¥X | ¥XX | |
+
+**Expense breakdown:**
+
+| Category | Monthly | Annual | Notes |
+|----------|---------|--------|-------|
+| 住房 (房贷/房租) | ¥X | ¥XX | |
+| 食品 | ¥X | ¥XX | |
+| 交通 | ¥X | ¥XX | |
+| 子女教育 | ¥X | ¥XX | |
+| 医疗 | ¥X | ¥XX | |
+| 娱乐/旅游 | ¥X | ¥XX | |
+| 保险 | ¥X | ¥XX | |
+| 赡养老人 | ¥X | ¥XX | |
+| 其他 | ¥X | ¥XX | |
+| **Total** | **¥X** | **¥XX** | |
+
+**Savings rate:** Savings / Income = X%
+
+### Step 3: Net Worth Statement
+
+**Assets:**
+
+| Asset Category | Current Value | Expected Growth |
+|---------------|--------------|-----------------|
+| 现金及活期 | ¥XX | |
+| 存款 (定期/大额) | ¥XX | |
+| A股投资 | ¥XX | |
+| 基金 | ¥XX | |
+| 债券 | ¥XX | |
+| 房产 | ¥XX | |
+| 保险现金价值 | ¥XX | |
+| 其他 | ¥XX | |
+| **Total Assets** | **¥XX** | |
+
+**Liabilities:**
+
+| Liability | Amount | Interest Rate | Remaining Term |
+|-----------|--------|--------------|----------------|
+| 房贷 | ¥XX | X.X% | X years |
+| 车贷 | ¥XX | X.X% | X years |
+| 其他贷款 | ¥XX | X.X% | X years |
+| **Total Liabilities** | **¥XX** | | |
+
+**Net worth:** ¥XX万
+
+### Step 4: Retirement Planning
+
+**Retirement projection:**
+
+| Parameter | Value |
+|-----------|-------|
+| Current age | XX |
+| Retirement age | XX |
+| Years to retirement | XX |
+| Desired retirement income | ¥XX万/年 |
+| Expected retirement duration | XX years |
+| Current retirement savings | ¥XX万 |
+
+**Projection:**
+
+| Year | Age | Projected Savings | Required |
+|------|-----|-------------------|----------|
+| Now | XX | ¥XX万 | — |
+| +5y | XX | ¥XX万 | ¥XX万 |
+| +10y | XX | ¥XX万 | ¥XX万 |
+| +15y | XX | ¥XX万 | ¥XX万 |
+| Retirement | XX | ¥XX万 | ¥XX万 |
+
+**Gap analysis:** Shortfall / Surplus of ¥XX万
+
+**Solution options:**
+- Increase savings rate
+- Adjust investment returns assumption
+- Delay retirement
+- Part-time work in retirement
+
+### Step 5: Education Planning
+
+**Education cost estimate (China):**
+
+| Stage | Duration | Annual Cost | Total Cost |
+|-------|----------|-------------|------------|
+| 幼儿园 | 3 years | ¥X-X万 | ¥X-X万 |
+| 小学/初中 | 9 years | ¥X-X万 | ¥X-X万 |
+| 高中 | 3 years | ¥X-X万 | ¥X-X万 |
+| 国内大学 | 4 years | ¥X-X万 | ¥X-X万 |
+| 海外本科 | 4 years | ¥XX-XXX万 | ¥XX-XXX万 |
+| 海外硕士 | 1-2 years | ¥XX-XXX万 | ¥XX-XXX万 |
+
+**Education fund projection:**
+
+| Child Age | Years to College | Target Amount | Current Savings | Monthly Savings Needed |
+|-----------|-----------------|---------------|----------------|----------------------|
+| | | | | |
+
+### Step 6: Investment Allocation
+
+**Recommended allocation (A-share focus):**
+
+| Asset Class | Conservative | Balanced | Growth |
+|-------------|-------------|----------|--------|
+| A股权益 | 20% | 40% | 60% |
+| 基金 (主动/被动) | 20% | 25% | 20% |
+| 债券 | 40% | 25% | 10% |
+| 现金/理财 | 15% | 7% | 5% |
+| 其他 (REITs, 黄金) | 5% | 3% | 5% |
+
+**Within A-share equity:**
+
+| Sector | Allocation | Rationale |
+|--------|-----------|-----------|
+| 消费 | XX% | Defensive, long-term growth |
+| 科技 | XX% | Growth, innovation |
+| 医药 | XX% | Demographics, defensive |
+| 金融 | XX% | Value, dividends |
+| 新能源 | XX% | Policy support |
+| 其他 | XX% | Diversification |
+
+### Step 7: Risk Management
+
+**Insurance needs:**
+
+| Type | Coverage | Annual Premium |
+|------|----------|---------------|
+| 医疗险 | ¥XX万 | ¥X,XXX |
+| 重疾险 | ¥XX万 | ¥X,XXX |
+| 意外险 | ¥XX万 | ¥X,XXX |
+| 寿险 | ¥XX万 | ¥X,XXX |
+| 养老险 | ¥XX万/年 | ¥X,XXX |
+
+**Emergency fund:** 3-6 months expenses = ¥XX万
+
+### Step 8: Tax Optimization
+
+**China-specific tax planning:**
+
+| Area | Strategy |
+|------|----------|
+| 个税 | 专项附加扣除 (education, mortgage, elderly) |
+| 社保 | Optimal contribution levels |
+| 公积金 | Maximize employer match |
+| 投资 | 股息红利税收优化 |
+| 房产 | 房产税 planning (if applicable) |
+
+## China-Specific Considerations
+
+### Social Security (社保)
+
+| Type | Contribution | Benefits |
+|------|-------------|----------|
+| 养老保险 | ~28% of salary | Retirement pension |
+| 医疗保险 | ~10% of salary | Medical coverage |
+| 失业保险 | ~1% | Unemployment benefit |
+| 工伤保险 | Employer | Work injury |
+| 生育保险 | Employer | Maternity |
+| 住房公积金 | 5-12% each side | Housing fund |
+
+### Common Financial Products (China)
+
+| Product | Return | Risk | Liquidity |
+|---------|--------|------|-----------|
+| 银行活期 | ~0.3% | Very low | High |
+| 银行理财 | 2-4% | Low | Medium |
+| 国债 | 2-3% | Very low | Medium |
+| 货币基金 (余额宝等) | 1.5-2.5% | Low | High |
+| A股 | -30% to +50%+ | High | Medium |
+| 基金 (主动) | -20% to +40% | Medium-High | Medium |
+| 基金 (指数) | -25% to +35% | Medium | Medium |
+| 信托 | 5-8% | Medium-High | Low |
+| 私募 | Variable | High | Low |
+
+### Common Client Types
+
+| Type | Characteristics | Planning Focus |
+|------|----------------|---------------|
+| 工薪阶层 | Stable income, limited savings | Systematic investing, tax optimization |
+| 中小企业主 | Variable income, business exposure | Diversification, succession planning |
+| 高净值 | Significant assets, complex needs | Tax optimization, estate planning |
+| 退休人员 | Fixed income, preservation | Income generation, capital preservation |
+| 年轻家庭 | Early career, children | Accumulation, education funding |
+
+## Quality Checks
+
+Before delivering:
+- [ ] Client goals clearly defined
+- [ ] Cash flow analysis complete
+- [ ] Net worth accurate
+- [ ] Projections realistic
+- [ ] Allocation appropriate for risk profile
+- [ ] Tax optimization considered
+- [ ] Insurance needs assessed
+- [ ] Recommendations actionable
+> **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