china-client-review

china-client-review

Purpose

Prepare comprehensive A-share Wealth Management Client Meeting Materials — performance summaries, talking points, and relationship context for client meetings.

Data Sources

Primary: iFind MCP (Tier-1 paid) / AkShare MCP (Tier-2 free alternative)

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
Client Name
Risk Level	C1-C5 (conservative to aggressive)
Investment Objective	Preservation / Growth / Retirement / Education / Legacy
Investment Horizon	Short / Medium / Long term
Liquidity Needs	High / Medium / Low
Special Needs	Tax optimization, charity, family trust

Step 2: Portfolio Performance Summary

Performance dashboard:

Metric	YTD	1Y	3Y	Since Inception
Portfolio return	X.XX%	X.XX%	X.XX%	X.XX%
Benchmark (CSI 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-share equities	XX%	XX%	±X%
Funds	XX%	XX%	±X%
Bonds/Wealth Management Products	XX%	XX%	±X%
Cash	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
Recent large transactions	Explain rationale
Major gains/losses	Contextualize, don't overemphasize
Dividend/interest income	Highlight cash generation
Tax considerations	Tax-loss harvesting opportunities
Goal progress	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
Conservative	Emphasize capital preservation, downside protection
Balanced	Balanced risk-return, steady growth
Aggressive	Growth opportunities, upside potential
Professional	Detailed analysis, data-driven

Common Client Concerns (A-share)

Concern	Response Strategy
Account losses	Explain cycle, quality of holdings, recovery path
Why am I losing money	Attribute clearly, don't blame market
Can I make money	Realistic return expectations
When will it rise	Market timing acknowledgment + process focus
Why individual stocks fall/rise	Fundamental explanation
Should I redeem	Assess goals, time horizon, alternatives

Regulatory Considerations

Suitability management (suitability assessment)
Risk disclosure (risk disclosure)
Performance benchmark (benchmark disclosure)
Fee disclosure (fee transparency)
Cooling-off period rules (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