--- name: bank-t180-wealth-management-asset-allocation-assist-1664b96dd86c description: "Use when a wealth team needs to build an aggressive client allocation plan, align higher risk tolerance with target weights, and deliver rebalancing actions, product shortlist, and compliant communication notes." --- # 进取型客户配置助手 这个 skill 面向进取型客户，强调收益潜力与风险承受能力的匹配，输出包括高权益配置比例、再平衡建议、适配产品清单与风险揭示。 ## 适用范围 - 进取型客户资产配置与方案设计 - 权益为主的配置结构与风险提示 - 现有持仓诊断与再平衡建议 ## 何时使用 - 客户风险承受能力较高，需要更高收益潜力配置时 - 需要输出进取型目标比例与再平衡路径时 - 需要形成可复核的适配记录时 ## 何时不要使用 - 风险等级未确认或风险偏好不足 - 需要规避适当性或合规披露时 ## 默认工作流 1. 复核风险等级与波动容忍度 2. 输出进取型目标配置比例与解释 3. 对比现有持仓结构，识别偏离点 4. 给出再平衡建议与节奏 5. 输出适配产品清单、风险提示与跟进动作 ## 重点分析框架 - 高权益占比下的回撤容忍与止损逻辑 - 流动性与长期资金分层 - 再平衡节奏与波动管理 ## 输入要求 - 客户画像（风险等级、期限、流动性、目标） - 当前持仓：资产类别、金额、期限 - 产品池：风险等级、期限、流动性、资产类别 ## 输出要求 - 目标配置比例（进取型） - 当前配置对比与再平衡建议 - 适配产品清单与不适配原因 - 风险提示与沟通要点 ## 代码与文件 - `scripts/run_skill.py`：生成配置与再平衡建议 - 共享引擎：`shared/wealth_management_skill_engine.py` 示例命令： ```bash python scripts/run_skill.py --input assets/example-input.json --format markdown ``` ## 参考资料 - `references/input-schema.md` - `references/output-schema.md` - `references/allocation-framework.md` - `references/rebalancing-guidelines.md` - `references/communication-points.md` ## 风险与边界 - 不得承诺收益或回本 - 不得以进取配置替代风险承受能力核验 - 配置建议不替代审批结论 ## 信息不足时的处理 - 先输出缺口清单与风险提示 - 未补齐前仅给出框架建议 ## 交付标准 - 适配逻辑明确、风险提示充分 - 再平衡建议可执行且可解释 - 输出可直接用于客户沟通与复核 --- Source attribution: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/bank-t180-wealth-management-asset-allocation-assistant/SKILL.md License: Apache-2.0 License information: https://www.apache.org/licenses/LICENSE-2.0 Original upstream instructions; downloaded from Dave AI. ## Upstream license notice Apache License Version 2.0, January 2004 http://www.apache.org/licenses/ TERMS AND CONDITIONS FOR USE, REPRODUCTION, AND DISTRIBUTION 1. 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See the License for the specific language governing permissions and limitations under the License. # Dave AI resource metadata Creator / publisher: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/bank-t180-wealth-management-asset-allocation-assistant/SKILL.md Attribution basis: Source repository record Fields of work: Finance & Accounting, Sales Roles: Accountant, Business Development, CFO / FP&A, Customer Success Manager, Financial Analyst Specialties: API Tools: Scripts/Run_Skill.Py Country applicability: Country not specified Classification basis: Source catalog labels Instruction SHA-256: fceb80c90b9f6f99bc53a84db76eff78cabdf3af618c7d836d068da95ee2b61f