dsh-plugin-t-expert 0.4.9 → 0.4.36

package/data/experts/finance/smb-finance/skills/invoice-chase/SKILL.md

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+---
+name: invoice-chase
+description: "Overdue invoice chasing with AR aging report, escalation templates, and priority scoring. Triggers on: overdue, chase invoice, accounts receivable, late payment."
+---
+
+# Invoice Chase & AR Aging
+
+## Overview
+
+Generate an AR aging report, score overdue invoices by recovery priority, and produce an escalation sequence from friendly reminder to final demand.
+
+## Workflow
+
+### Step 1: Generate AR Aging Report
+
+Collect from user:
+- Outstanding invoices with: customer name, invoice number, invoice date, due date, amount due
+- Any partial payments already received
+
+Build AR aging buckets:
+
+| Bucket | Days Outstanding | # Invoices | Total Amount |
+|--------|-----------------|------------|-------------|
+| Current | 0–0 (not yet due) | | |
+| 1–30 | 1–30 days past due | | |
+| 31–60 | 31–60 days past due | | |
+| 61–90 | 61–90 days past due | | |
+| 90+ | 90+ days past due | | |
+
+Also show top 10 invoices by amount due (across all buckets).
+
+### Step 2: Score by Priority
+
+For each overdue invoice, calculate a priority score:
+
+**Priority = Amount × Recovery Probability**
+
+Recovery probability factors:
+- Relationship length (longer = higher): weight 25%
+- Payment history (on-time %): weight 30%
+- Communication responsiveness: weight 25%
+- Days outstanding (fewer = higher): weight 20%
+
+Rate each factor 1–5, compute weighted average, then:
+
+| Score Range | Priority | Action |
+|------------|----------|--------|
+| ≥ 4.0 | HIGH | Chase this week, escalate quickly |
+| 2.5–3.9 | MEDIUM | Chase this week, standard sequence |
+| < 2.5 | LOW | Batch follow-up, consider write-off at 120+ days |
+
+### Step 3: Generate Reminder Sequence
+
+For each invoice, produce a 3-step escalation sequence:
+
+**Step 1 — Friendly Reminder** (1–15 days past due)
+- Tone: warm, assumes oversight
+- Content: invoice reference, amount, original due date, simple payment link or instructions
+- Subject line: "Just checking in — Invoice #[X]"
+
+**Step 2 — Firm Notice** (16–45 days past due)
+- Tone: professional, clear expectation
+- Content: overdue amount, days past due, new deadline (7 business days), late fee notice if applicable
+- Subject line: "Follow-up required — Invoice #[X] is [Y] days overdue"
+
+**Step 3 — Final Demand** (46+ days past due)
+- Tone: firm, consequences stated
+- Content: total amount due including any late fees, final deadline (5 business days), statement of next steps (move to legal collection / 申请支付令 / 民事诉讼简易程序 / suspend services)
+- Subject line: "Final notice — Invoice #[X] requires immediate attention"
+
+Provide ready-to-send email templates for each step.
+
+### Step 4: Track and Update
+
+Maintain a chase tracker:
+
+| Customer | Invoice # | Amount | Days Past Due | Last Contact | Next Action | Due Date |
+|----------|-----------|--------|--------------|-------------|-------------|----------|
+| | | | | | | |
+
+Update weekly. Escalate any invoice that reaches the next bucket threshold without response.
+
+## Notes
+
+- Never threaten legal action you cannot or will not follow through on
+- Suggest offering early-pay discounts (1–2%) for invoices > 60 days overdue if cash flow is tight
+- For invoices > 90 days with LOW priority, recommend evaluating write-off vs. continued pursuit
+- Always log communication attempts with date and method (email, call, text)

package/data/experts/finance/smb-finance/skills/margin-analysis/SKILL.md

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+---
+name: margin-analysis
+description: "Product/service margin analysis with pricing recommendations. Calculate gross margin per line, diagnose problem items, model price increase scenarios. Triggers on: margin, profitability, pricing, gross profit, should we raise prices."
+---
+
+# Margin Analysis & Pricing Recommendations
+
+## Overview
+
+Analyze gross margin per product or service line, diagnose problem items, model price increase scenarios, and deliver actionable pricing and product-mix recommendations.
+
+## Workflow
+
+### Step 1: Inventory Revenue Lines
+
+Collect from user:
+- List of all products/services (SKU or line-item names)
+- For each: revenue (last 3–6 months), COGS or direct cost, units sold
+- Any bundled or tiered offerings (note the composition)
+
+Build a revenue line inventory:
+
+| Product/Service | Revenue | Direct Cost | Units | Avg Selling Price | Avg Unit Cost |
+|----------------|---------|-------------|-------|-------------------|---------------|
+| | | | | | |
+
+### Step 2: Calculate Gross Margin per Line
+
+For each line:
+
+- **Gross Margin %** = (Revenue − Direct Cost) / Revenue × 100
+- **Contribution Margin** = Revenue − Direct Cost (absolute dollars)
+- **Margin Dollars per Unit** = (Revenue − Direct Cost) / Units
+
+Sort by gross margin % ascending (worst first).
+
+### Step 3: Flag Problem Lines
+
+Diagnose each line against these thresholds:
+
+| Flag | Condition | Implication |
+|------|-----------|-------------|
+| Negative Margin | Gross Margin % < 0% | Losing money on every sale — fix price or cut cost immediately |
+| Thin Margin | Gross Margin % < 20% | Vulnerable to cost increases; minimal contribution to overhead |
+| Revenue Illusion | Revenue in top 25% but margin < 15% | Looks important but contributes little profit — consider repricing or deprioritizing |
+| Healthy | Gross Margin % ≥ 20% | Performing acceptably |
+| Premium | Gross Margin % ≥ 50% | Strong performer — protect and promote |
+
+### Step 4: Model Price Scenarios
+
+For each problem line, model three price increase scenarios:
+
+| Scenario | Price Increase | Assumptions |
+|----------|---------------|-------------|
+| Conservative | +5% | No volume loss assumed |
+| Moderate | +10% | Assume 5% volume loss |
+| Strategic | Reposition price | Based on competitive analysis or value-based pricing; assume 10–15% volume loss |
+
+For each scenario, calculate:
+- New gross margin %
+- New contribution margin (with volume adjustment)
+- Break-even: minimum units needed to match current contribution margin
+
+### Step 5: Output Pricing Recommendations
+
+Deliver:
+
+1. **Margin ranking table** — All lines sorted by gross margin % with flags
+2. **Problem line diagnosis** — One paragraph per flagged line explaining why it's underperforming and root cause (pricing too low, costs too high, wrong product-market fit)
+3. **Price scenario models** — For each problem line, show the three scenarios with projected impact
+4. **Recommendations** — Clear "do this next" for each line:
+   - Raise price to ¥X (scenario Y) — expected margin improvement
+   - Cut cost by negotiating X or switching supplier
+   - Discontinue if margin cannot reach 15% within 2 quarters
+   - Bundle with premium line to improve blended margin
+5. **Product-mix suggestion** — If > 30% of revenue comes from lines with < 15% margin, recommend strategic shift toward higher-margin offerings
+
+## Notes
+
+- Include only direct/variable costs in gross margin; do not allocate overhead
+- If user cannot provide per-unit COGS, use aggregate (Revenue − COGS) and flag as approximate
+- For service businesses, direct cost = labor hours × hourly cost + any project-specific expenses
+- Always note the time period the analysis covers (e.g., "based on Q1 2026 data")

package/data/experts/finance/smb-finance/skills/month-end-close/SKILL.md

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+---
+name: month-end-close
+description: "Complete month-end close workflow: pre-close checks, bank reconciliation, accruals, trial balance, financial statements, P&L narrative with margin summary. Triggers on: month end, close the books, monthly close, closing checklist."
+---
+
+# Month-End Close
+
+## Overview
+
+Execute the complete month-end close workflow: pre-close validation, bank and credit card reconciliation, accrual entries, trial balance review, financial statement generation, and P&L narrative with margin context.
+
+## Workflow
+
+### Step 1: Pre-Close Checks
+
+Verify before starting the close:
+
+- [ ] All bank and CC transactions imported and categorized
+- [ ] All invoices and bills entered for the period
+- [ ] No uncategorized transactions remaining
+- [ ] Inventory counts updated (if applicable)
+- [ ] Employee expense reports submitted and approved
+- [ ] Previous month's accruals reviewed for reversal
+
+Flag any incomplete items and list what's needed before proceeding.
+
+### Step 2: Bank & Credit Card Reconciliation
+
+For each bank and CC account:
+
+| Item | Bank Statement | Book Balance | Difference |
+|------|---------------|-------------|------------|
+| Ending balance | ¥ | ¥ | ¥ |
+| Outstanding checks | | | |
+| Deposits in transit | | | |
+| Bank fees not recorded | | | |
+| Interest earned not recorded | | | |
+| **Adjusted balance** | ¥ | ¥ | ¥ |
+
+- Adjusted balances must match. If not, identify and resolve each discrepancy
+- List any stale checks (> 90 days outstanding) for void/reissue decision
+
+### Step 3: Post Accruals
+
+Record standard accrual entries:
+- Wages earned but not yet paid (if payroll date falls after month-end)
+- Utilities and recurring expenses not yet billed
+- Interest on loans not yet recorded
+- Revenue earned but not yet invoiced (accrued revenue)
+- Prepaid expenses to amortize this period
+- Prior month accruals to reverse
+
+Present each entry as: Account | Debit | Credit | Description
+
+### Step 4: Trial Balance Review
+
+Generate trial balance and check:
+
+- [ ] Total debits = total credits (must balance)
+- [ ] No unusual balances (negative cash, negative AP, equity < 0 without explanation)
+- [ ] Compare key accounts to prior month — flag changes > 20% with no obvious explanation
+- [ ] Verify retained earnings roll-forward is correct
+
+### Step 5: Generate Financial Statements
+
+Produce three standard statements:
+
+1. **Income Statement (P&L)** — Revenue, COGS, Gross Profit, Operating Expenses, Net Income
+2. **Balance Sheet** — Assets, Liabilities, Equity as of month-end
+3. **Cash Flow Statement** — Operating, Investing, Financing activities for the period
+
+Each statement must include: current period, prior period, and ¥ change.
+
+### Step 6: Write P&L Narrative
+
+Write a concise narrative covering:
+
+- **Top-line**: Revenue vs. prior month and vs. budget (if available). Up or down, and why
+- **Margin context**: Gross margin % this month vs. prior and vs. target. What drove changes
+- **Expense highlights**: Any unusual or one-time expenses. Recurring expense trends
+- **Bottom line**: Net income vs. prior month. Is the business on track for quarterly targets
+- **Cash position**: Ending cash and how many weeks of runway it represents
+
+Keep the narrative to 1 page. Write for the business owner, not the accountant.
+
+### Step 7: Close Package
+
+Assemble the close package:
+1. Pre-close checklist (completed)
+2. Bank reconciliation summaries
+3. Accrual journal entries
+4. Trial balance
+5. Financial statements (P&L, Balance Sheet, Cash Flow)
+6. P&L narrative
+7. Notes and open items for next month
+
+Flag any items that need owner decision before the close is finalized.
+
+## Notes
+
+- Close should be completed within 5 business days of month-end
+- If data is incomplete, complete what you can and clearly label what is estimated vs. confirmed
+- Every adjustment must have a documented reason — no "plug" numbers
+- Retain all supporting schedules for audit trail

package/data/experts/finance/smb-finance/skills/tax-preparation/SKILL.md

@@ -0,0 +1,157 @@
+---
+name: tax-preparation
+description: "中国小企业税务申报准备工作流：发票合规、增值税与企业所得税申报、社保公积金、可抵扣项梳理、汇算清缴交接。触发词：报税、税务申报、汇算清缴、增值税、企税、个税、社保、发票、税务交接。"
+---
+
+# 税务申报准备 & 会计师交接
+
+## 概述
+
+围绕中国小企业的常规税务节奏（月度/季度增值税申报、季度企业所得税预缴、年度汇算清缴、个税代扣、社保公积金）做材料归集、抵扣项梳理、自查和会计师交接打包。
+
+**重要提醒：本技能负责整理和准备，不替代税务师/注册会计师出具正式意见。所有输出末尾必须附上："具体税务处理请与代账会计师或税务师确认后再申报。"**
+
+## 工作流
+
+### Step 1: 纳税人身份与基础信息核对
+
+先确认企业当前的税务身份（影响后续所有处理逻辑）：
+
+- [ ] 增值税身份：小规模纳税人 / 一般纳税人
+- [ ] 企业所得税征收方式：查账征收 / 核定征收
+- [ ] 适用的税收优惠：小型微利企业、研发费用加计扣除、行业专项优惠等
+- [ ] 主管税务局所在地、电子税务局账号是否可登录
+- [ ] 法人/财务负责人/办税员实名认证状态
+
+身份不同，下面所有节奏和阈值都会变（如小规模季度免征额、小微企业所得税优惠率），不要套用模板。
+
+### Step 2: 发票合规自查
+
+发票是中国税务的核心，先把发票这关过了：
+
+**进项发票（一般纳税人才涉及抵扣）：**
+- [ ] 已认证抵扣的进项专票清单（金税系统/电子税务局导出）
+- [ ] 未认证的进项专票是否在 360 天有效期内
+- [ ] 异常凭证、走逃失联企业开具的发票筛查
+- [ ] 普票与专票分类，普票不得用于抵扣
+- [ ] 不得抵扣项目核查（集体福利、个人消费、免税项目对应进项）
+
+**销项发票：**
+- [ ] 已开发票汇总（含红冲），与营收对账
+- [ ] 待开票订单清单（合同已履行但未开票）
+- [ ] 开票内容是否与实际业务一致（避免虚开风险）
+- [ ] 开票限额、领购数量是否够用
+
+**发票存档：**
+- [ ] 纸质发票按月装订
+- [ ] 电子发票 PDF + OFD 双份归档
+- [ ] 全电发票（数电票）查验记录
+
+### Step 3: 申报材料归集
+
+**增值税申报材料（小规模季度 / 一般纳税人月度）：**
+- [ ] 销售收入明细（区分征税、免税、出口、视同销售）
+- [ ] 进项税额抵扣明细（一般纳税人）
+- [ ] 当期销售额是否触发小规模免征额阈值
+- [ ] 附加税费（城建税、教育费附加、地方教育附加）
+
+**企业所得税材料（季度预缴 + 年度汇算清缴）：**
+- [ ] 利润表（季度预缴用）
+- [ ] 收入、成本、费用、税金明细
+- [ ] 资产折旧/摊销明细
+- [ ] 弥补以前年度亏损情况
+- [ ] 小型微利企业判定（资产、人数、应纳税所得额三个条件）
+- [ ] 研发费用归集表（如适用加计扣除）
+
+**个人所得税（工资薪金代扣代缴）：**
+- [ ] 员工工资表、奖金、补贴
+- [ ] 专项附加扣除信息（自然人电子税务局 WEB 端导出）
+- [ ] 全年一次性奖金计税方式选择记录
+- [ ] 劳务报酬、稿酬等其他所得明细
+
+**社保公积金：**
+- [ ] 社保缴费基数核定单（年度调整）
+- [ ] 五险一金月度缴费明细
+- [ ] 公积金增减员记录
+- [ ] 工伤事故/生育报销等异动事项
+
+### Step 4: 可抵扣 / 可税前扣除项梳理
+
+按企业所得税口径，审计常被漏掉的扣除项：
+
+| 类别 | 检查要点 | 易漏 |
+|------|---------|------|
+| 业务招待费 | 不超过当年营收 5‰，且实际发生额 60% | 与会议费混淆 |
+| 广告与业务宣传费 | 一般行业 15% 限额，化妆品/医药/饮料 30% | 未按行业取限额 |
+| 职工福利费 | 不超工资总额 14% | 节日礼品、过节费 |
+| 工会经费 | 不超工资总额 2% | 未实际拨缴 |
+| 职工教育经费 | 不超工资总额 8%（高新技术企业可全额） | 内训、外训、考证 |
+| 公益性捐赠 | 不超利润总额 12%，超过部分结转 3 年 | 票据合规性 |
+| 研发费用加计扣除 | 现行政策 100% 加计 | 人员人工、直接投入归集口径 |
+| 固定资产折旧 | 加速折旧政策 | 500 万元以下设备一次性扣除 |
+| 资产损失 | 报送清单备查 | 坏账核销、存货报废 |
+| 借款利息 | 关联方债资比限制（金融企业 5:1，其他 2:1） | 非金融机构借款利率上限 |
+
+每一项标明扣除金额、依据文件、备查资料路径。
+
+### Step 5: 自查质检
+
+交给代账会计/税务师之前先自己过一遍：
+
+- [ ] 增值税申报销售额与利润表收入差异（关注未开票收入、视同销售）
+- [ ] 企业所得税"利润总额"与利润表数据一致
+- [ ] 社保人数与个税申报人数大致匹配（差异过大易被税务局预警）
+- [ ] 工资表合计数与个税申报系统中合计一致
+- [ ] 增值税与附加税费计算关系正确
+- [ ] 季度预缴累计金额勾稽
+- [ ] 没有把私人消费、股东个人支出混入企业费用
+- [ ] 关联交易已按规定填报
+
+### Step 6: 会计师 / 代账机构交接包
+
+完整交接清单：
+
+1. **业务说明函** —— 本期重大事项（注册地变更、股权变动、新业务线、大额资产购置、重大合同）
+2. **发票包** —— 进项发票清单 + 销项发票清单（含红冲）
+3. **凭证与账簿** —— 总账、明细账、现金/银行日记账
+4. **银行流水** —— 对公账户全年流水（按月）
+5. **工资与个税** —— 工资表、个税申报表、社保公积金缴费明细
+6. **合同清单** —— 大额合同 + 关联交易合同
+7. **资产与折旧** —— 新增固定资产清单、折旧表
+8. **税前扣除明细** —— 各扣除类别逐项工作底稿
+9. **历史申报** —— 上年度汇算清缴报告 + 本年已申报的季度表
+10. **待确认问题** —— 税务师/会计师需要拍板的事项
+
+电子化交付，按上述目录建文件夹，外发前打包加密。
+
+### Step 7: 申报后归档
+
+申报完成后：
+
+- [ ] 申报表、完税凭证 PDF 归档（**至少保存 10 年**，账簿凭证按《会计档案管理办法》）
+- [ ] 完税金额与到账银行流水对账
+- [ ] 在现金流预测中登记下一期预缴税款
+- [ ] 在日历中设好下次申报截止日提醒
+- [ ] 根据税务师反馈，修正日常记账口径
+- [ ] 启动下一周期的发票、凭证归档文件夹
+
+## 中国主要申报节奏
+
+| 税种 | 节奏 | 申报截止日 |
+|------|------|----------|
+| 增值税（小规模） | 季度 | 季度终了次月 15 日 |
+| 增值税（一般纳税人） | 月度 | 次月 15 日 |
+| 企业所得税预缴 | 季度 | 季度终了次月 15 日 |
+| 企业所得税汇算清缴 | 年度 | 次年 5 月 31 日前 |
+| 个人所得税（工资薪金）| 月度 | 次月 15 日 |
+| 个税年度汇算 | 年度 | 次年 3 月 1 日 — 6 月 30 日 |
+| 社保公积金 | 月度 | 各地不同，一般 15-25 日 |
+
+遇周末或法定节假日顺延，以电子税务局公告为准。
+
+## Notes
+
+- 本技能不替代税务师/代账会计——做好整理工作，让专业人员高效推进
+- 所有税务输出必须附免责说明："具体税务处理请与代账会计师或税务师确认后再申报。"
+- 多地经营/跨省经营涉及总分机构汇总申报，按 [国税发〔2012〕57 号] 等政策处理，需单独评估
+- 政策变化频繁（如小规模免征额、小微企业认定标准），最终以税务总局当年公告为准

package/data/experts/finance/south-africa-strategy-advisor/.codebuddy-plugin/plugin.json

@@ -0,0 +1,69 @@
+{
+  "name": "south-africa-strategy-advisor",
+  "version": "1.0.0",
+  "description": "Intelligent strategic advisor for ZA market, covering macro environment, industry trends, competition, investment site selection, market entry, risk assessment, and long-term strategy",
+  "author": {
+    "name": "WorkBuddy User",
+    "email": "user@example.com"
+  },
+  "expertType": "agent",
+  "agentName": "south-africa-strategy-advisor",
+  "agents": [
+    "./agents/south-africa-strategy-advisor.md"
+  ],
+  "skills": [
+    "./skills/south-africa-knowledge"
+  ],
+  "displayName": {
+    "zh": "South African Strategy",
+    "en": "South African Strategy"
+  },
+  "profession": {
+    "zh": "南非战略顾问专家",
+    "en": "South African Strategy"
+  },
+  "displayDescription": {
+    "en": "An intelligent strategic advisor specializing in ZA, covering macroeconomics, industry trends, investment site selection, market entry models, and risk assessment to deliver data-driven investment decisions.",
+    "zh": "专注南非市场的战略顾问，覆盖宏观环境、产业趋势、投资选址、进入模式与风险评估，提供数据驱动决策支持。"
+  },
+  "avatar": "avatars/expert.png",
+  "categoryId": "12-IndustryConsultant",
+  "defaultInitPrompt": {
+    "zh": "分析南非当前的经济形势和主要投资风险",
+    "en": "Analyze ZA's current economic situation and key investment risks"
+  },
+  "tags": [
+    {
+      "zh": "专家",
+      "en": "Expert Advisor"
+    },
+    {
+      "zh": "行业顾问",
+      "en": "Industry Consultant"
+    },
+    {
+      "zh": "投资决策",
+      "en": "Investment Strategy"
+    }
+  ],
+  "quickPrompts": [
+    {
+      "en": "Analyze ZA's current economic situation and key investment risks",
+      "zh": "分析南非当前的经济形势和主要投资风险"
+    },
+    {
+      "en": "Best entry models and site selection advice for enterprises entering ZA",
+      "zh": "企业进入南非市场的最佳模式和选址建议"
+    },
+    {
+      "en": "Competitive landscape and entry opportunities in ZA's mining and energy sectors",
+      "zh": "南非矿业和能源行业的竞争格局与进入机会"
+    }
+  ],
+  "plugin": "south-africa-strategy-advisor",
+  "remote": {
+    "knowledgeBase": "https://southafrica-strategicadvisory-1257812465.cos.ap-shanghai.myqcloud.com/knowledge-base/",
+    "type": "cos",
+    "access": "public-read"
+  }
+}

package/data/experts/finance/south-africa-strategy-advisor/.created-by-session

@@ -0,0 +1 @@
+0e5ff565-4684-4693-acbe-aedd023db82d

package/data/experts/finance/south-africa-strategy-advisor/.downloaded_at

@@ -0,0 +1 @@
+2026-09-29T03:25:12.680145+00:00

package/data/experts/finance/south-africa-strategy-advisor/.imported-from-workbuddy

@@ -0,0 +1,7 @@
+{
+  "plugin": "south-africa-strategy-advisor",
+  "division": "finance",
+  "categoryId": "12-IndustryConsultant",
+  "importedAt": "2026-09-29T12:42:07",
+  "source": "workbuddy expert marketplace (COS)"
+}

package/data/experts/finance/south-africa-strategy-advisor/README.md

@@ -0,0 +1,36 @@
+# South African Strategy
+
+A specialized AI advisor for the South African market, covering macro environment, industry trends, competition analysis, investment site selection, market entry models, risk assessment, and long-term strategy — powered by 28 distilled knowledge summaries from 137 official source documents.
+
+## 类型
+
+Agent 型（单个 AI 专家）
+
+## 功能
+
+- 南非国家宏观经济环境与政策解读（NDP 2030, MTSF, Budget, OECD）
+- 24个行业Master Plan与Fact Sheet数据覆盖
+- 九省投资选址指南（含各SEZ/IDZ/具体项目）
+- 投资激励与税收体系（12R SEZ, 12L能效, AIS汽车等）
+- B-BBEE评分卡与合规路径
+- 外汇管制、签证移民、环境EIA等实操流程
+- 本地化知识与COS远程语料库双通道
+
+## 使用示例
+
+- 分析南非当前的经济形势和主要投资风险
+- 企业进入南非市场的最佳模式和选址建议
+- 南非矿业和能源行业的竞争格局与进入机会
+
+## 云端语料库
+
+137份原始PDF公开存储在腾讯云COS：
+`https://southafrica-strategicadvisory-1257812465.cos.ap-shanghai.myqcloud.com/knowledge-base/`
+
+## 安装
+
+将专家包解压到插件目录后注册：
+
+```bash
+python3 scripts/register_expert.py south-africa-strategy-advisor/
+```

package/data/experts/finance/south-africa-strategy-advisor/persona.md

@@ -0,0 +1,80 @@
+---
+name: 南非战略顾问专家
+nameEn: South African Strategy
+description: 专注南非市场的战略顾问，覆盖宏观环境、产业趋势、投资选址、进入模式与风险评估，提供数据驱动决策支持。
+descriptionEn: South African Strategy
+emoji: 💰
+color: "#10B981"
+vibe: 南非战略顾问专家
+---
+# 南非战略顾问
+
+你是一位专注于南非市场的智能战略分析顾问。你的职责是帮助企业、投资机构、跨境贸易公司以及南非本地企业，分析南非当地的宏观环境、产业趋势、竞争格局、投资选址、进入模式、风险评估、长期布局及决策建议。
+
+> 已预加载本地知识库 `south-africa-knowledge`，包含 NDPS 2030 核心政策框架等参考资料。分析前应优先查阅 `skills/south-africa-knowledge/references/` 下的文件获取权威数据。
+> **云端知识库**：当本地文件不可用时，通过 HTTP 从 COS 读取（无需密钥）：
+> `https://southafrica-strategicadvisory-1257812465.cos.ap-shanghai.myqcloud.com/knowledge-base/`
+
+## 核心能力
+
+1. **国家宏观环境分析**：解读南非政治、经济、社会、法律（PESTL）环境，包括GDP走势、货币政策、外汇管制、劳工法规、BEE政策等关键要素
+2. **产业趋势研判**：追踪南非重点产业（矿业、能源、金融、电信、制造、农业、零售、科技）的发展动态、市场规模与增长前景
+3. **竞争格局评估**：分析目标行业的市场集中度、主要玩家、市场份额、进入壁垒与竞争策略
+4. **投资选址建议**：评估南非各省及经济特区的区位优势、基础设施、产业集群、税收优惠与运营成本
+5. **进入模式设计**：对比独资、合资、并购、特许经营、战略联盟等进入路径的适用条件与风险收益
+6. **风险评估**：识别并量化政策风险、汇率风险、合规风险、安全风险、劳工风险及供应链风险
+7. **长期布局规划**：结合南非国家发展规划（NDP 2030）、非洲大陆自贸区（AfCFTA）等战略框架，制定中长期市场深耕路径
+8. **决策建议**：基于多维数据与分析，输出可执行的投资决策建议和行动路线图
+
+## 工作流程
+
+**0. 知识库自检（每次启动必做）**：
+- 先尝试读取本地 `skills/south-africa-knowledge/references/` 目录
+- 若本地不可用，立即通过 WebFetch 读取 COS 存储桶文件清单：
+  - 先读 `SKILL.md` 获取完整索引 → 再按需读具体摘要文件
+  - COS URL前缀：`https://southafrica-strategicadvisory-1257812465.cos.ap-shanghai.myqcloud.com/knowledge-base/`
+- 若 COS 也无法访问，告知用户并降级为通用知识模式
+
+1. **需求澄清**：理解用户的具体关注领域（行业方向、发展阶段、投资规模、预算约束等），明确分析范围和深度
+2. **知识检索**：根据需求关键词匹配知识库中的相关摘要文件，优先查摘要文件获取关键数据
+3. **多维分析**：从宏观到微观，从政策到市场，从竞争到风险，系统性展开结构化分析
+4. **结论输出**：优先呈现关键结论和建议，再附依据和数据支撑
+
+## 输出规范
+
+- **默认简洁模式**：每次回答控制在3-8个核心信息点，避免冗长描述
+- **结构清晰**：优先使用列表、要点形式呈现；结论优先，依据在后
+- **可执行性**：建议具体可操作，包含明确的时间节点或量化指标
+- **语言中立**：客观呈现事实与数据，不对南非政治做主观评价
+
+## 语料库测试模式
+
+当用户输入包含"语料库测试"或"测试模式"时，进入测试模式：
+
+### 规则
+
+1. **引用标注**：在每个表格或段落后面增加引用来源，格式为：
+   ```
+   【引用链接】
+   https://xxxxx
+   https://xxxxx
+   ```
+   仅展示实际使用的数据来源，禁止编造链接。
+
+2. **来源占比**：在每次回答末尾增加内容来源占比说明，格式为：
+   ```
+   【内容来源占比】
+   语料库内容：XX%
+   API实时数据：XX%
+   其它推理与分析：XX%
+   ```
+   说明：三项总和必须为100%。API调用结果计入"API实时数据"，本地知识库内容计入"语料库内容"，AI自主分析部分计入"其它推理与分析"。
+
+3. **退出条件**：用户输入"退出语料库测试"后恢复正常输出模式。
+
+## 注意事项
+
+- 默认语言为中文，用户使用英文提问时以英文回复
+- 无法确认的信息应如实说明，不做无依据的推测
+- 涉及南非法律法规、税务政策等专业领域时，建议用户咨询当地持牌专家
+- 政治敏感内容仅做客观事实陈述，不发表立场性评论