Create financial plans for Chinese wealth management clients covering retirement, education, estate, and cash-flow planning. Adapted from the original financial-plan skill for Chinese tax rules, social security, and local financial products. Triggers on "A股财务规划", "理财规划", "financial plan China", "retirement plan China", "财务规划客户", "退休规划", "教育金规划", or "comprehensive financial plan".
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Create comprehensive 中国家庭/个人财务规划 — retirement, education, estate, and cash-flow planning adapted for Chinese context.
get_index_data("000001") → A股 historical returns
get_fund_data(fund_code) → Fund performance data
Client demographics:
| Attribute | Detail |
|---|---|
| 年龄 | |
| 职业 | |
| 家庭结构 | Single / Married / Children |
| 收入 | Annual income (税前) |
| 支出 | Monthly/annual expenses |
| 资产 | Current net worth |
| 负债 | Mortgage, other debt |
Financial goals:
| Goal | Timeline | Target Amount | Priority |
|---|---|---|---|
| 退休金 | XX years | ¥XXX万 | High/Med/Low |
| 子女教育 | XX years | ¥XXX万 | High/Med/Low |
| 购房 | X years | ¥XXX万 | High/Med/Low |
| 旅游/生活方式 | Ongoing | ¥XX万/年 | |
| 遗产规划 | Long-term |
Income sources:
| Source | Monthly | Annual | Stability |
|---|---|---|---|
| 工资收入 | ¥X | ¥XX | Stable/Variable |
| 经营收入 | ¥X | ¥XX | Variable |
| 投资收入 | ¥X | ¥XX | Variable |
| 租金收入 | ¥X | ¥XX | Semi-stable |
| 其他 | ¥X | ¥XX |
Expense breakdown:
| Category | Monthly | Annual | Notes |
|---|---|---|---|
| 住房 (房贷/房租) | ¥X | ¥XX | |
| 食品 | ¥X | ¥XX | |
| 交通 | ¥X | ¥XX | |
| 子女教育 | ¥X | ¥XX | |
| 医疗 | ¥X | ¥XX | |
| 娱乐/旅游 | ¥X | ¥XX | |
| 保险 | ¥X | ¥XX | |
| 赡养老人 | ¥X | ¥XX | |
| 其他 | ¥X | ¥XX | |
| Total | ¥X | ¥XX |
Savings rate: Savings / Income = X%
Assets:
| Asset Category | Current Value | Expected Growth |
|---|---|---|
| 现金及活期 | ¥XX | |
| 存款 (定期/大额) | ¥XX | |
| A股投资 | ¥XX | |
| 基金 | ¥XX | |
| 债券 | ¥XX | |
| 房产 | ¥XX | |
| 保险现金价值 | ¥XX | |
| 其他 | ¥XX | |
| Total Assets | ¥XX |
Liabilities:
| Liability | Amount | Interest Rate | Remaining Term |
|---|---|---|---|
| 房贷 | ¥XX | X.X% | X years |
| 车贷 | ¥XX | X.X% | X years |
| 其他贷款 | ¥XX | X.X% | X years |
| Total Liabilities | ¥XX |
Net worth: ¥XX万
Retirement projection:
| Parameter | Value |
|---|---|
| Current age | XX |
| Retirement age | XX |
| Years to retirement | XX |
| Desired retirement income | ¥XX万/年 |
| Expected retirement duration | XX years |
| Current retirement savings | ¥XX万 |
Projection:
| Year | Age | Projected Savings | Required |
|---|---|---|---|
| Now | XX | ¥XX万 | — |
| +5y | XX | ¥XX万 | ¥XX万 |
| +10y | XX | ¥XX万 | ¥XX万 |
| +15y | XX | ¥XX万 | ¥XX万 |
| Retirement | XX | ¥XX万 | ¥XX万 |
Gap analysis: Shortfall / Surplus of ¥XX万
Solution options:
Education cost estimate (China):
| Stage | Duration | Annual Cost | Total Cost |
|---|---|---|---|
| 幼儿园 | 3 years | ¥X-X万 | ¥X-X万 |
| 小学/初中 | 9 years | ¥X-X万 | ¥X-X万 |
| 高中 | 3 years | ¥X-X万 | ¥X-X万 |
| 国内大学 | 4 years | ¥X-X万 | ¥X-X万 |
| 海外本科 | 4 years | ¥XX-XXX万 | ¥XX-XXX万 |
| 海外硕士 | 1-2 years | ¥XX-XXX万 | ¥XX-XXX万 |
Education fund projection:
| Child Age | Years to College | Target Amount | Current Savings | Monthly Savings Needed |
|---|---|---|---|---|
Recommended allocation (A-share focus):
| Asset Class | Conservative | Balanced | Growth |
|---|---|---|---|
| A股权益 | 20% | 40% | 60% |
| 基金 (主动/被动) | 20% | 25% | 20% |
| 债券 | 40% | 25% | 10% |
| 现金/理财 | 15% | 7% | 5% |
| 其他 (REITs, 黄金) | 5% | 3% | 5% |
Within A-share equity:
| Sector | Allocation | Rationale |
|---|---|---|
| 消费 | XX% | Defensive, long-term growth |
| 科技 | XX% | Growth, innovation |
| 医药 | XX% | Demographics, defensive |
| 金融 | XX% | Value, dividends |
| 新能源 | XX% | Policy support |
| 其他 | XX% | Diversification |
Insurance needs:
| Type | Coverage | Annual Premium |
|---|---|---|
| 医疗险 | ¥XX万 | ¥X,XXX |
| 重疾险 | ¥XX万 | ¥X,XXX |
| 意外险 | ¥XX万 | ¥X,XXX |
| 寿险 | ¥XX万 | ¥X,XXX |
| 养老险 | ¥XX万/年 | ¥X,XXX |
Emergency fund: 3-6 months expenses = ¥XX万
China-specific tax planning:
| Area | Strategy |
|---|---|
| 个税 | 专项附加扣除 (education, mortgage, elderly) |
| 社保 | Optimal contribution levels |
| 公积金 | Maximize employer match |
| 投资 | 股息红利税收优化 |
| 房产 | 房产税 planning (if applicable) |
| Type | Contribution | Benefits |
|---|---|---|
| 养老保险 | ~28% of salary | Retirement pension |
| 医疗保险 | ~10% of salary | Medical coverage |
| 失业保险 | ~1% | Unemployment benefit |
| 工伤保险 | Employer | Work injury |
| 生育保险 | Employer | Maternity |
| 住房公积金 | 5-12% each side | Housing fund |
| Product | Return | Risk | Liquidity |
|---|---|---|---|
| 银行活期 | ~0.3% | Very low | High |
| 银行理财 | 2-4% | Low | Medium |
| 国债 | 2-3% | Very low | Medium |
| 货币基金 (余额宝等) | 1.5-2.5% | Low | High |
| A股 | -30% to +50%+ | High | Medium |
| 基金 (主动) | -20% to +40% | Medium-High | Medium |
| 基金 (指数) | -25% to +35% | Medium | Medium |
| 信托 | 5-8% | Medium-High | Low |
| 私募 | Variable | High | Low |
| Type | Characteristics | Planning Focus |
|---|---|---|
| 工薪阶层 | Stable income, limited savings | Systematic investing, tax optimization |
| 中小企业主 | Variable income, business exposure | Diversification, succession planning |
| 高净值 | Significant assets, complex needs | Tax optimization, estate planning |
| 退休人员 | Fixed income, preservation | Income generation, capital preservation |
| 年轻家庭 | Early career, children | Accumulation, education funding |
Before delivering:
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
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概要と使いどころ
Three-statement financial model for A-share stocks. Adapts the standard 3-statement-model methodology for Chinese accounting standards (CAS), Chinese GAAP differences, and AkShare-sourced financials. Use instead of the original 3-statement-model skill when building integrated IS/BS/CF models for Chinese listed companies.
日本語の概要は準備中です。原文の説明を表示しています。
Build accrual schedules for A-share companies tracking revenue recognition, expense accruals, and working capital timing. Adapted from the original accrual-schedule skill for CAS accounting and Chinese business practices. Triggers on "A股应计项目", "应计计提", "accrual schedule China", "应计账款分析", or "working capital accruals [company]".
日本語の概要は準備中です。原文の説明を表示しています。
Build accrual schedules for A-share fund administration. Tracks revenue recognition, expense accruals, and working capital timing for fund accounting. Adapted from the original accrual-schedule skill for fund accounting standards. Triggers on "基金应计项目", "应计计提基金", "accrual schedule fund", "NAV accruals", or "accruals [fund]".
日本語の概要は準備中です。原文の説明を表示しています。
Assess an A-share portfolio company's AI readiness for China-focused private equity investments. Evaluates data infrastructure, technology stack, talent, and AI adoption opportunities in the Chinese market context. Triggers on "A股公司AI评估", "AI readiness China", "AI assessment portfolio company", "AI转型评估", or "artificial intelligence readiness [company]".
日本語の概要は準備中です。原文の説明を表示しています。
Audit financial models and Excel workbooks for A-share analysis. Adapts the original audit-xls skill for Chinese financial modeling standards, CAS conventions, and A-share-specific checks. Triggers on "A股模型审计", "财务模型核查", "audit model China", "audit xlsx", "模型QC", or "check model [company]".
日本語の概要は準備中です。原文の説明を表示しています。
Forensic financial analysis for A-share fund holdings and portfolio companies. Adapts the original break-trace skill for fund administration context and Chinese market standards. Triggers on "基金持仓核查", "持仓异常", "forensic fund analysis China", "持仓质量分析", or "investigate [fund] holdings".
日本語の概要は準備中です。原文の説明を表示しています。