jwangkun china-client-report
Purpose
Create professional A股财富管理客户报告 — performance reports for Chinese wealth management clients.
Data Sources
Primary: iFind MCP (Tier-1 付费) / AkShare MCP (Tier-2 免费备选)
get_index_data("000001") → 上证指数 benchmark
get_index_data("399006") → 创业板指 benchmark
get_index_data("000300") → 沪深300 benchmark
get_quote(ticker) → Individual security performance
get_fund_data(fund_code) → Fund performance
Secondary Sources
- 基金公司 — fund data
- Wind / Choice — comprehensive market data
- 晨星中国 — fund ratings
Workflow
Step 1: Portfolio Snapshot
Client portfolio summary:
| Metric | Value | Change |
|---|---|---|
| Total AUM (总资产) | ¥XX.X万 | ±X% |
| Market value | ¥XX.X万 | ±X% |
| Cash position | ¥XX.X万 | |
| YTD return | X.XX% | |
| Since inception | X.XX% (annualized) | |
| Benchmark (沪深300) | X.XX% |
Step 2: Performance Attribution
Performance by asset class:
| Asset Class | Allocation | Market Value | Period Return | Contribution |
|---|---|---|---|---|
| A股股票 | XX% | ¥XX | X.XX% | X.XX% |
| 基金 | XX% | ¥XX | X.XX% | X.XX% |
| 债券 | XX% | ¥XX | X.XX% | X.XX% |
| 现金/理财 | XX% | ¥XX | X.XX% | X.XX% |
| Total | 100% | X.XX% |
Performance by sector:
| Sector | Allocation | Return | Contribution |
|---|---|---|---|
| 消费 | XX% | X.XX% | X.XX% |
| 科技 | XX% | X.XX% | X.XX% |
| 医药 | XX% | X.XX% | X.XX% |
| 金融 | XX% | X.XX% | X.XX% |
| 新能源 | XX% | X.XX% | X.XX% |
| 其他 | XX% | X.XX% | X.XX% |
Step 3: Holdings Review
Top positions:
| Security | Ticker | Allocation | Market Value | Period Return | vs Benchmark |
|---|---|---|---|---|---|
Positions with significant changes:
- New positions added
- Positions sold
- Significant gainers (>20%)
- Significant losers (>15%)
Step 4: Market Context
Market environment:
一、市场回顾
上证指数: [Close] ([Change]%)
深证成指: [Close] ([Change]%)
创业板指: [Close] ([Change]%)
市场特征:
- 成交量: [XX亿]
- 北向资金: [净买入/净卖出 XX亿]
- 领涨板块: [List]
- 领跌板块: [List]
二、宏观要闻
- [Key macro developments]
- [Policy changes]
- [Market-moving events]
Step 5: Commentary
Performance commentary:
一、整体表现
[Period return, benchmark comparison, attribution summary]
二、主要贡献
[Top contributors to performance]
三、主要拖累
[Biggest detractors from performance]
四、操作回顾
[Trading activity summary]
五、市场展望
[Brief market outlook]
Step 6: Recommendations
Forward-looking recommendations:
| Action | Rationale | Priority |
|---|---|---|
| High / Medium / Low |
Step 7: Format & Delivery
Standard Chinese client report format:
【XX财富】客户投资报告 [Period]
客户名称：[Client Name]
报告期：[Period]
一、账户概览
[Portfolio snapshot table]
二、业绩表现
[Performance attribution]
三、持仓分析
[Holdings review]
四、市场回顾
[Market context]
五、投研观点
[Commentary]
六、展望与建议
[Outlook and recommendations]
China-Specific Considerations
Benchmark Selection
| Client Profile | Appropriate Benchmark |
|---|---|
| A股均衡 | 沪深300 |
| A股成长 | 创业板指 |
| A股价值 | 中证红利 |
| 偏债混合 | 沪深300 × 60% + 中债 × 40% |
| 基金组合 | 基金业绩基准加权 |
Regulatory Disclosures
Required disclosures (China):
- 过往业绩不预示未来表现
- 投资有风险, 入市需谨慎
- 管理人责任声明
- 风险等级匹配 (适当性)
- 费率披露
Common A-share Client Concerns
| Concern | Typical Response |
|---|---|
| 账户亏损 | Explain market cycle, quality of holdings |
| 净值波动 | Normal for equity investing |
| 为什么买/卖 | Investment rationale |
| 市场方向 | Tactical positioning |
| 个股风险 | Risk management process |
| 赎回 | Liquidity, timing considerations |
Quality Checks
Before delivering:
- All holdings accurately reflected
- Performance calculations correct
- Attribution complete
- Market context accurate
- Commentary balanced
- Recommendations appropriate
- Regulatory disclosures included
Data Source Mode Switch: Set env var
IFIND_DATA_SOURCE_MODEto control data source preference.ifind-only(strict): Use iFind only, error if unavailableifind-fallback(default): iFind preferred, fallback to AkShareakshare-only: Skip iFind, use AkShare only