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