jwangkun 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_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