@v587d/capital-generation 2.7.3 → 2.7.4

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

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+---
+name: china-sector-overview
+description: Comprehensive A-share sector and industry landscape reports — market size, competitive positioning, policy environment, key A-share players, trading multiples, and thematic trends. Adapted from the original sector-overview skill for Chinese market structure and terminology. Triggers on "A股行业分析", "行业研究", "板块分析", "sector overview China", "A-share sector deep dive", "白酒/半导体/新能源 行业分析", or "[industry] landscape China".
+---
+
+# china-sector-overview
+
+> 本文件相对上游 `d7585ca` 快照做过合规改写（取数与凭据口径），逐条记在快照根目录的 UPSTREAM.md；方法论、阈值与输出模板未改。
+
+## Purpose
+
+Create comprehensive **A股行业/板块深度报告** covering market dynamics, competitive positioning, regulatory environment, key players, trading multiples, and thematic trends.
+
+## Data Sources
+
+A sector report needs a lot of numbers, and none of them is fetched from here. This plugin routes every retrieval through one entry — the main agent delegates it to the role that owns structured data or web and disclosure material — and holds no data-service key inside a report.
+
+Hand the retrieval roles one brief per family of material:
+
+- 板块成分股：the constituent list for the industry being covered, by its Chinese industry name
+- 成分股行情与财务：最新价、市值、PE / PB、收入与利润率 for the top names, all on one shared as-of date
+- 大盘基准：index history, 涨幅榜 / 成交额榜 for where the sector sits in the tape
+- 行业新闻与政策：recent sector news and the policy documents that move it
+- 口径材料：the statistics and filings the report quotes — 国家统计局 / 海关总署 output and trade figures, 行业协会 (中汽协, 硅业分会 etc.) sector counts, 巨潮 filings behind the competitive picture, 券商研报 for frameworks and forecast ranges
+
+| 材料 | 用来支撑 |
+|------|----------|
+| 国家统计局 / 海关总署 | industry output, 进出口 |
+| 行业协会 | sector-specific volumes and prices |
+| 巨潮资讯 | company filings for competitive analysis |
+| 券商研报 | analyst frameworks and forecast ranges — treat as one house's view, not as consensus |
+| 东方财富行业板块 | industry classification and sector index constituents |
+
+In a role-split host, delegate with those briefs rather than reaching for a feed from here. What does not come back is written up as a gap in that section; a sector size or growth rate is never rounded off from memory.
+
+## Workflow
+
+### Step 1: Define Scope & Angle
+
+**Clarify:**
+- Sector / industry focus (e.g., 白酒, 半导体, 新能源汽车)
+- Angle (e.g., investment theme, competitive analysis, turnaround story)
+- Geographic scope (A-share only, or include HK-listed / US-listed Chinese)
+- Time horizon (cyclical analysis, secular trends, near-term trade)
+
+### Step 2: Market Size & Structure
+
+**Industry overview:**
+
+| Metric | Data | Source |
+|--------|------|--------|
+| Total market size | 市场规模 (亿元/亿元) | 国家统计局, 行业协会 |
+| Growth rate | 同比增速 / CAGR | Historical data |
+| Market share | CR5, CR10 concentration | Company filings |
+| Penetration rate | For new industries | Industry reports |
+| Export/import | 进出口数据 | 海关总署 |
+
+**A-share representation:**
+- Number of listed companies in sector
+- Total market cap (总市值 / 流通市值)
+- Average PE / PB multiples
+- Liquidity (average daily turnover)
+
+### Step 3: Competitive Landscape
+
+**Peer mapping:**
+
+Ask the host's retrieval path for the 板块成分股 list of the industry being covered, by its Chinese industry name, and take the constituents from what comes back.
+
+**For each major player, retrieve:** 最新价 / 市值 / 倍数, 收入与利润率的历史序列, and the business description — one brief per field family, same as-of date across the whole peer set.
+
+**Competitive analysis table:**
+
+| Company | Ticker | Market Cap (亿) | Revenue (亿) | YoY Growth | Gross Margin | Net Margin | PE (TTM) | Market Share |
+|---------|--------|----------------|-------------|------------|-------------|------------|----------|-------------|
+| | | | | | | | | |
+
+**Competitive positioning:**
+- Market share trends (gaining or losing)
+- Product positioning (premium, mid-tier, mass market)
+- Geographic footprint (national vs regional)
+- Distribution strength (渠道能力)
+- Brand equity (品牌力)
+
+### Step 4: Trading Multiples & Valuation
+
+**Sector multiples:**
+
+| Metric | Current | 1Y High | 1Y Low | 5Y Average | Historical High | Historical Low |
+|--------|---------|---------|--------|------------|----------------|----------------|
+| Average PE | | | | | | |
+| Average PB | | | | | | |
+| Average PS | | | | | | |
+| EV/EBITDA | | | | | | |
+
+**Multiple dispersion:**
+- Premium names (high multiple vs sector)
+- Value names (low multiple vs sector)
+- Historical range and where we are in cycle
+
+### Step 5: Policy Environment
+
+**China-specific policy analysis:**
+
+| Policy Area | Current Status | Impact |
+|-------------|---------------|--------|
+| 产业政策 | 支持/限制/中性 | Direct sector impact |
+| 环保政策 | 双碳目标 | Cost structure impact |
+| 监管政策 | 集采/反垄断 | Margin / market share impact |
+| 补贴政策 | 新能源/半导体补贴 | Competitiveness impact |
+| 货币政策 | 宽松/中性/紧缩 | Financing cost impact |
+
+**Key regulatory bodies:**
+- 发改委 (NDRC) — industrial policy, pricing
+- 工信部 (MIIT) — manufacturing, tech, telecom
+- 生态环境部 (MEE) — environmental compliance
+- 卫健委 (NHC) — healthcare, pharmaceuticals
+- 证监会 (CSRC) — capital markets
+- 央行 (PBoC) — monetary policy
+
+### Step 6: Key Drivers & Trends
+
+**Secular trends (3-5 year):**
+- Technology adoption (技术替代)
+- Consumption upgrade/downgrade (消费升级/降级)
+- Demographic shifts (人口结构)
+- Supply chain localization (供应链国产化)
+- Environmental transition (双碳/ESG)
+
+**Cyclical factors:**
+- Inventory cycles (库存周期)
+- Capacity utilization (产能利用率)
+- Pricing trends (价格趋势)
+- Demand momentum (需求 momentum)
+
+### Step 7: Investment Themes
+
+**Thematic angles:**
+
+1. **Policy-driven**: 国产替代, 新基建, 乡村振兴
+2. **Demand-driven**: 消费升级, 老龄化, 出海
+3. **Supply-driven**: 产能出清, 行业整合, 龙头集中
+4. **Technology-driven**: AI应用, 新能源, 生物医药创新
+
+**For each theme:**
+- Investment thesis
+- Key names to express the theme
+- Timeline and catalysts
+- Risks and headwinds
+
+### Step 8: Trading Ideas
+
+**Ideas shortlist (from sector overview):**
+
+| Idea | Ticker | Direction | Thesis | Catalyst | Risk |
+|------|--------|-----------|--------|----------|------|
+| | | Long / Short | | | |
+
+### Step 9: Report Structure
+
+**Standard A-share sector overview format:**
+
+```
+【XX证券】[行业] 深度报告：[标题]
+
+一、行业概述
+   市场规模、增速、发展阶段
+
+二、竞争格局
+   主要玩家、市场份额、竞争要素
+
+三、政策环境
+   监管框架、产业政策、影响分析
+
+四、财务分析
+   行业盈利能力、ROE、杠杆水平
+
+五、估值分析
+   当前 multiples vs 历史 vs 国际对标
+
+六、核心驱动因素
+   长期趋势、短期催化、周期位置
+
+七、投资建议
+   重点标的、目标价、评级
+
+八、风险提示
+   政策风险、需求风险、竞争风险
+```
+
+## China-Specific Considerations
+
+### A-share Market Structure
+
+| Feature | Description | Implication |
+|---------|-------------|-------------|
+| 涨跌停限制 | ±10% (main), ±20% (创业板/科创板) | Price discovery slower |
+| 散户占比高 | Retail ~60-80% of turnover | More sentiment-driven |
+| 政策驱动 | Government announcements move markets | Monitor policy closely |
+| 板块轮动 | Sector rotation common | Timing important |
+| 北向资金 | Foreign inflows tracked daily | Sentiment indicator |
+
+### Industry Classification
+
+**Common sector classifications:**
+- 申万行业分类 (SW Industry) — most widely used
+- 中信行业分类 (CITIC) — alternative
+- 证监会行业分类 — regulatory standard
+- 东方财富行业 — data vendor specific
+
+**Ask for constituents by the Chinese industry name, and say in the brief which classification's buckets you mean (申万 / 中信 / 证监会 / 东方财富), since the same sector splits differently across them.**
+
+### Sector-Specific Metrics
+
+| Sector | Key Metrics |
+|--------|-------------|
+| 白酒 | 批价, 库存, 回款, 动销, 渠道库存 |
+| 半导体 | 产能利用率, 出货量, ASP, 库存天数 |
+| 新能源汽车 | 交付量, 单车收入, 电池成本, 渗透率 |
+| 医药 | 创新药收入, 研发费用率, 集采中标 |
+| 银行 | NIM, 不良率, 拨备覆盖率, ROE |
+| 券商 | 经纪/投行/资管收入, 股基交易量, 两融余额 |
+| 光伏 | 硅料/组件价格, 排产, 海外出货 |
+| 房地产 | 销售额, 拿地, 融资成本, 去化周期 |
+| 食品饮料 | 动销, 库存, 提价能力 |
+| 互联网 | DAU/MAU, ARPU, 收入增速, 利润率 |
+
+### Policy Risk Framework
+
+**High policy-sensitivity sectors:**
+1. 医药 — 集采 (volume-based procurement)
+2. 互联网 — 反垄断, 数据安全
+3. 教育 — 双减 (reduced private tutoring)
+4. 金融 — 监管周期, 利率政策
+5. 房地产 — 三道红线, 限购限贷
+6. 新能源 — 补贴退坡, 产能过剩
+
+**Policy risk assessment:**
+- Current policy stance (支持/中性/限制)
+- Upcoming regulatory events
+- Historical policy impact patterns
+- Best/worst case scenarios
+
+## Quality Checks
+
+Before delivering:
+- [ ] Industry definition clear and consistent
+- [ ] Market size data sourced (统计局 or industry association)
+- [ ] Competitive landscape covers top 5-10 players
+- [ ] Financials came back through the host's retrieval path, or the gap is named in that section
+- [ ] Valuation multiples calculated consistently
+- [ ] Policy environment analyzed
+- [ ] Investment themes articulated
+- [ ] Ideas shortlist included (3-5 names)
+- [ ] Risk factors specific to China market included
+> 取数档位（接哪家数据服务、用哪个密钥）由宿主的凭据域决定：这份行业报告不配置它，也不向使用者索取凭据。
+> Step 8 的 Long / Short 一览与第七节的重点标的、目标价、评级是把上面这些材料写成结论的**推演练习**：本插件不据它下单，也不给仓位。

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

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+---
+name: china-skill-creator
+description: Create new China-specific financial skills following the established patterns and conventions. Use this meta-skill to scaffold new china-* skills that integrate with iFind MCP (Tier-1) and AkShare MCP (Tier-2 fallback), follow CAS accounting standards, and adapt workflows for the Chinese market. Triggers on "创建中国skill", "新建A股skill", "create china skill", "new china-skill", "制作skill", or when creating any new china-* skill.
+---
+
+# china-skill-creator
+
+## Purpose
+
+Create new **china-* skills** — scaffold and template new skills for the China financial services plugin ecosystem.
+
+## When to Use
+
+Use this skill when:
+- Creating a new china-* skill from scratch
+- Adapting an existing plugins/ skill to China context
+- Extending the china/ directory with new capabilities
+- Ensuring consistency with existing china-* skill patterns
+
+## Skill Creation Pattern
+
+### Step 1: Choose Vertical
+
+**Vertical mapping:**
+
+| Original Vertical | China Vertical | Path |
+|-------------------|----------------|------|
+| `financial-analysis/` | `china-finance/` | `china/vertical-plugins/china-finance/skills/` |
+| `equity-research/` | `china-finance/` | `china/vertical-plugins/china-finance/skills/` |
+| `investment-banking/` | `investment-banking/` | `china/vertical-plugins/investment-banking/skills/` |
+| `private-equity/` | `private-equity/` | `china/vertical-plugins/private-equity/skills/` |
+| `wealth-management/` | `wealth-management/` | `china/vertical-plugins/wealth-management/skills/` |
+| `fund-admin/` | `fund-admin/` | `china/vertical-plugins/fund-admin/skills/` |
+| `operations/` | `operations/` | `china/vertical-plugins/operations/skills/` |
+
+### Step 2: Name Convention
+
+**Naming rules:**
+- All China skills prefix: `china-`
+- Mirror original skill name: `china-[original-name]`
+- Lowercase with hyphens: `china-3-statement-model`
+- Directory matches skill name
+
+**Examples:**
+| Original | China Version |
+|----------|--------------|
+| `comps-analysis` | `china-comps-analysis` |
+| `earnings-analysis` | `china-earnings-analysis` |
+| `client-report` | `china-client-report` |
+
+### Step 3: Frontmatter Template
+
+**Required frontmatter:**
+
+```yaml
+---
+name: china-[skill-name]
+description: [Chinese + English description]. Triggers on "A股[keywords]", "[Chinese keywords]", "[English keywords]", or "[example usage]".
+---
+```
+
+**Frontmatter rules:**
+- `name`: lowercase with hyphens, prefixed `china-`
+- `description`: Include Chinese trigger words and English fallback
+- Must include `---` delimiters
+
+### Step 4: SKILL.md Structure Template
+
+**Standard structure:**
+
+```markdown
+---
+name: china-[skill-name]
+description: [description with triggers]
+---
+
+# china-[skill-name]
+
+## Purpose
+
+[One-line description in Chinese + English]
+
+## 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（Tier-2 免费备选）
+
+\```python
+get_quote(ticker)                     → [what it returns]
+get_financials(ticker, "income")      → [what it returns]
+\```
+
+### Secondary Sources
+- 巨潮 — [usage]
+- 上交所/深交所 — [usage]
+- Wind / Choice — [usage]
+
+## Workflow
+
+### Step 1: [Step Name]
+
+[Content]
+
+### Step 2: [Step Name]
+
+[Content]
+
+[... more steps ...]
+
+## China-Specific Considerations
+
+### [Topic]
+
+[China-specific guidance]
+
+## Quality Checks
+
+Before delivering:
+- [ ] [Check 1]
+- [ ] [Check 2]
+- [ ] [Check 3]
+```
+
+### Step 5: China Adaptation Checklist
+
+When adapting from original skill:
+
+| Adaptation Area | China-Specific Changes |
+|----------------|----------------------|
+| Data sources | Replace Western sources with iFind/AkShare/巨潮/同花顺 |
+| Accounting | US GAAP → CAS |
+| Tax | US tax → 25% China corporate tax |
+| Currency | USD → CNY (¥) |
+| Units | $M → 万元 / 亿元 |
+| Terminology | English → Chinese (归母净利润, etc.) |
+| Market | US markets → A-share (主板/创业板/科创板) |
+| Regulations | SEC → CSRC / 证监会 |
+| Industry | US sectors → 东方财富 categories |
+| Reporting | 10-K/Q → 年报/季报 |
+
+### Step 6: Required Sections
+
+Every china-* SKILL.md must include:
+
+| Section | Required? | Content |
+|---------|-----------|---------|
+| `name` | ✓ | Frontmatter, `china-` prefix |
+| `description` | ✓ | Chinese + English, triggers |
+| `## Purpose` | ✓ | One-line description |
+| `## Data Sources` | ✓ | iFind MCP (primary) + AkShare (fallback) |
+| `## Workflow` | ✓ | Step-by-step process |
+| `## China-Specific Considerations` | ✓ | China adaptations |
+| `## Quality Checks` | ✓ | Pre-delivery checklist |
+
+### Step 7: Data Source Tool Reference (iFind + AkShare)
+
+**Commonly used tools:**
+
+```python
+# Market data
+get_quote(ticker)                    → Current quote
+get_historical_data(ticker)          → Historical prices
+get_index_data(index_code)           → Index data
+get_market_overview()                → Market summary
+
+# Financials
+get_financials(ticker, "income")     → Income statement
+get_financials(ticker, "balance")    → Balance sheet
+get_financials(ticker, "cashflow")   → Cash flow
+
+# Industry & peers
+get_industry_stocks(industry="...")   → Industry peers
+get_stock_info(ticker)               → Company info
+
+# Funds
+get_fund_data(fund_code)             → Fund data
+
+# News (china-news MCP — separate server)
+get_stock_news(ticker="{{TICKER}}")         → Individual stock news
+get_market_headlines(top_n=20)              → Market headlines
+```
+
+### Step 8: Common Patterns
+
+**CAS Accounting terms to use:**
+- 营业收入 (Revenue, net of VAT)
+- 营业成本 (COGS)
+- 归母净利润 (Net income to parent)
+- 扣非净利润 (Non-GAAP net income)
+- 经营现金流 (Operating CF)
+- 资本支出 (CapEx)
+- EPS (每股收益)
+- ROE (净资产收益率)
+- 毛利率 (Gross margin)
+- 净利率 (Net margin)
+
+**A-share conventions:**
+- Stock codes: 6-digit (e.g., "600519", "000001")
+- No exchange prefix
+- 主板/创业板/科创板/北交所
+- 涨跌停: ±10% (±20% for 创业板/科创板)
+- 千元 / 万元 / 亿元 units
+
+**Tax conventions:**
+- Corporate tax: 25% (15% for 高新技术企业)
+- VAT: 13% (standard), excluded from revenue
+- Stamp duty: 0.05% on seller
+- Dividend tax: 20% (10% for >1 year holding)
+
+### Step 9: Forbidden Patterns
+
+**Never use in china-* skills:**
+
+Western data sources, indices, and filing systems must be replaced with China-native equivalents (iFind / AkShare / 巨潮 / 上交所 / 深交所 / 中证指数 / 东方财富 / 企查查 / 晨星中国). The `check-china.py` validation script enforces this — any skill containing these patterns will fail validation.
+
+See the "China Adaptation Checklist" (Step 5) for the full mapping.
+
+### Step 10: Validation
+
+**After creating a new skill:**
+
+```bash
+# Check for forbidden patterns
+cd china && python3 scripts/check-china.py
+
+# Sync to agent bundles
+python3 scripts/sync-china-skills.py
+```
+
+## Quick-Start Template
+
+```markdown
+---
+name: china-[name]
+description: [Chinese description with triggers].
+---
+
+# china-[name]
+
+## Purpose
+
+[Chinese + English description]
+
+## 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
+- 密钥申请：https://aifinmarket.wind.com.cn/#/home
+
+### Tier 1 — 同花顺 iFind（付费精确数据） / AkShare（Tier-2 免费备选）
+
+\```python
+get_quote(ticker) → [description]
+\```
+
+### Secondary Sources
+- 巨潮 — [usage]
+
+## Workflow
+
+### Step 1: [Name]
+
+[Content]
+
+### Step 2: [Name]
+
+[Content]
+
+## China-Specific Considerations
+
+[Content]
+
+## Quality Checks
+
+Before delivering:
+- [ ] [Check 1]
+- [ ] [Check 2]
+```
+
+## Example: Creating a New Skill
+
+**Scenario:** Create `china-portfolio-optimization`
+
+1. **Choose vertical:** `china-finance` (financial analysis)
+2. **Create directory:** `china/vertical-plugins/china-finance/skills/china-portfolio-optimization/`
+3. **Create SKILL.md:** Use template above
+4. **Add China adaptations:**
+   - Use A-share universe
+   - Consider 涨跌停 limits
+   - Factor in 北向资金 flows
+   - Use 东方财富 sector classifications
+5. **Sync:** Run `sync-china-skills.py`
+6. **Validate:** Run `check-china.py`
+> **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