Bank Wealth Management Analysis
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Please follow https://skillhub.cn/install/skillhub.md and install @user_cc9425b3/jy-wealth-investment-analysis-v2.
About this skill
Problem
Bank wealth products have many fields and codes, and manually assembling reports from NAV, drawdown, holdings, and macro notes can miss key metrics. This skill targets analysis of bank wealth products when a product code is available, turning structured data from Hengsheng Juyuan into a readable report instead of inspecting each API field by hand.
How It Works
It first checks mcporter, the MCP service, and JY_API_KEY, then calls data APIs in parallel. ProductBasicInfoList, ProductPerformance, and ProductReturnRiskIndicator are required core datasets, while ProductPositionFeature, ProductAssetAllocDetail, and similar fields can be degraded if unavailable. The skill validates annual return, drawdown, and scale, then generates a Markdown report with product overview, performance, risk profile, asset allocation, market sentiment, and investment advice.
Boundaries
It only covers bank wealth products supported by Hengsheng Juyuan, and data may lag by about one day. Multi-product comparison is best for 2–5 products, PDF export depends on a PDF skill, and request rate limits may apply. The output is a data-based reference and is not investment advice.
Use Cases
- A wealth manager has 2–5 product codes and needs a quick side-by-side comparison.
- An analyst needs to turn NAV, drawdown, and risk metrics into a six-section Markdown report.
- An investment team needs weekly tracking with the same template for summary and advice.
- Ops staff need client-facing core data with only a 500–800 word quick summary.
Best For
- Wealth managers preparing client-facing bank product materials need standardized analysis by product code.
- Wealth research analysts need to validate return, drawdown, and scale before reporting.
- Investment advisers explaining differences among 2–5 products need comparison and quick summaries.
- Business operations staff maintaining tracking packs need reusable templates and PDF exports.
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