china-investment-proposal

china-investment-proposal

Purpose

Create professional A股财富管理投资建议书 — structured proposals 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")              → Market context
get_index_data("399006")              → ChiNext context
get_quote(ticker)                     → Security analysis
get_fund_data(fund_code)              → Fund analysis
get_industry_stocks(industry="...")    → Sector analysis

Secondary Sources

• Portfolio management system
• Research team — market outlook
• Product providers — fund/insurance data

Workflow

Step 1: Understand Client Needs

Discovery questions:

1. Investment objective: 保值增值 / 稳健增值 / 积极增值 / 收入型
2. Time horizon: 短期(<1年) / 中期(1-5年) / 长期(>5年)
3. Risk tolerance: 保守 / 稳健 / 积极 / 激进
4. Liquidity needs: 高 / 中 / 低
5. Special considerations: 税务, 遗产, 慈善, etc.

Step 2: Market & Strategy Overview

Current market assessment:

市场展望 [Period]

一、宏观经济
   [GDP, policy, rates outlook]

二、权益市场
   - 估值水平: 沪深300 PE [Xx] (历史[X]%分位)
   - 资金面: 北向资金, 两融余额
   - 情绪指标: [Index]

三、行业配置观点
   超配 (Overweight): [Sectors] — [Rationale]
   标配 (Neutral): [Sectors]
   低配 (Underweight): [Sectors] — [Rationale]

四、风险提示
   [Key risks]

Step 3: Investment Strategy

Strategy design:

A-share equity allocation:

Step 4: Product Recommendations

Recommended securities:

For each recommendation:

• Investment thesis (3-5 bullet points)
• Expected return range
• Risk assessment
• Suitable for client profile
• Minimum investment
• Liquidity terms

Step 5: Risk Assessment & Disclosure

Risk factors (standard Chinese disclosures):

风险揭示

一、市场风险
   投资有风险, 入市需谨慎。本投资方案涉及A股市场投资,
   股票价格可能因市场因素大幅波动。

二、流动性风险
   部分投资品可能存在流动性限制, 赎回/卖出可能受
   市场流动性影响。

三、政策风险
   国家政策、行业监管变化可能影响投资组合表现。

四、信用风险
   固定收益类产品存在发行人信用风险。

五、汇率风险
   [If applicable]

六、其他风险
   [Product-specific risks]

Risk level match:

• Conservative (保守型): 低风险产品为主, 权益<30%
• Balanced (稳健型): 中等风险, 权益30-60%
• Growth (积极型): 较高风险, 权益60-90%
• Aggressive (激进型): 高风险, 权益>90%

Step 6: Expected Returns & Scenarios

Return scenarios:

Step 7: Implementation Plan

Implementation steps:

建仓策略:

• 一次性建仓: 适合积极型, 市场低点
• 分批建仓: 适合稳健型, 降低择时风险
• 定投: 适合长期投资, 平滑成本

Step 8: Monitoring & Review

Review schedule:

Step 9: Proposal Document

Standard proposal format:

【投资建议书】
客户名称：[Name]
风险等级：[R1-R5]
投资期限：[X年]
建议日期：[Date]

一、客户需求分析
   [Goals, constraints, preferences]

二、市场展望
   [Current market assessment]

三、投资策略
   [Allocation strategy with rationale]

四、产品推荐
   [Detailed recommendations]

五、风险评估
   [Risk factors, suitability assessment]

六、预期表现
   [Return scenarios]

七、实施方案
   [Implementation plan]

八、后续服务
   [Review schedule, monitoring]

九、声明
   [Standard regulatory disclaimers]

客户签字：_________ 日期：_________
理财师签字：_________ 日期：_________

China-Specific Considerations

Suitability (适当性管理)

China regulatory requirements:

• 风险等级匹配: Product risk ≤ Client risk tolerance
• 投资者分类: 普通投资者 / 专业投资者
• 信息披露: Full and fair disclosure
• 冷静期: Cooling-off period for certain products
• 录音录像: Recording for in-person sales

Common Investment Products (China)

Client Segmentation

Quality Checks

Before delivering:

• Client profile understood
• Allocation aligned with risk tolerance
• Products suitable and available
• Risk disclosures complete
• Expected returns realistic
• Implementation plan clear
• Regulatory disclosures included

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, wind-only (Wind only), wind-fallback (Wind first, fallback to iFind → AkShare): Skip iFind, use AkShare only