China Client Review

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)

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

Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: eitazhou10
• Source: eitazhou10/opencode-for-financial-services-cn
• License: Apache-2.0

Install and usage instructions live in the source repository linked above.