Agent skill

Bank T189 Wealth Management Rebalancing Assistant

by aifinlab in aifinlab/FinClaw

当用户需要在银行财富管理场景下,围绕再平衡进行适配、配置、推荐、方案设计或备选方案比较时使用本技能。适合输出主方案、备选方案、匹配逻辑、风险提示和沟通要点。

Apache-2.0Auto-check passed

Install Bank T189 Wealth Management Rebalancing Assistant

skills CLI
$ npx skills add aifinlab/FinClaw --skill bank-t189-wealth-management-rebalancing-assistant -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install aifinlab/FinClaw bank-t189-wealth-management-rebalancing-assistant --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/aifinlab/FinClaw.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/bank-t189-wealth-management-rebalancing-assistant .claude/skills/bank-t189-wealth-management-rebalancing-assistant && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
bank-t189-wealth-management-rebalancing-assistant
GitHub stars
255
Token cost
~564 tokens
SKILL.md length
99 words
Files
3 (incl. scripts, references)
Skills in repo
74
Repo updated
First seen
Licence
Apache-2.0

At a glance

当用户需要在银行财富管理场景下,围绕再平衡进行适配、配置、推荐、方案设计或备选方案比较时使用本技能。适合输出主方案、备选方案、匹配逻辑、风险提示和沟通要点。

  • Works in 6 steps: 先明确服务对象、本次目标和必须满足的约束条件 → 归纳需求、偏好、期限、资金用途、风险承受能力或业务痛点 → 比较可选方案的匹配逻辑、收益风险平衡和落地条件 → …
  • SKILL.md covers 适用范围, 何时使用, 何时不要使用 and 默认工作流, plus 8 more sections
  • Runs Python scripts from its folder; calls python

What it does

Bank T189 Wealth Management Rebalancing Assistant is an agent skill from aifinlab/FinClaw. 当用户需要在银行财富管理场景下,围绕再平衡进行适配、配置、推荐、方案设计或备选方案比较时使用本技能。适合输出主方案、备选方案、匹配逻辑、风险提示和沟通要点。

Its SKILL.md is about 560 tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including scripts and reference files (for example `references/rebalancing-input-schema.json` and `scripts/rebalance_plan.py`).

The licence is Apache-2.0.

Example prompts

  • “/bank-t189-wealth-management-rebalancing-assistant”

Requirements

  • Python 3

Workflow steps

6 steps, taken from the first numbered list in SKILL.md.

  1. 先明确服务对象、本次目标和必须满足的约束条件
  2. 归纳需求、偏好、期限、资金用途、风险承受能力或业务痛点
  3. 比较可选方案的匹配逻辑、收益风险平衡和落地条件
  4. 用量化计算形成“偏离度-调整幅度-执行顺序”的草案
  5. 给出主方案、备选方案和不建议方案,并说明原因
  6. 输出沟通话术与风险提示,明确下一步核验与跟进动作

What it can do on your machine

Read from SKILL.md and the folder at commit 9e62862. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    Ships 1 file in scripts/ (Python), which the agent can run.

    Shell commands in SKILL.md call:

    • python

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Bank T189 Wealth Management Rebalancing Assistant loads about 564 tokens when it runs, and up to ~668 if it reads all its reference files. Until then it costs about 32 tokens; SKILL.md has 99 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~32
When it runs · the whole SKILL.md, loaded when a task matches
~564
With references · SKILL.md plus every file in references/, read only if the agent opens them
~668

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.

SKILL.md

The full file from aifinlab/FinClaw at commit 9e62862, republished under its Apache-2.0 licence (© aifinlab). 99 words, ~564 tokens.

Download SKILL.mdSave it as .claude/skills/bank-t189-wealth-management-rebalancing-assistant/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.
name
bank-t189-wealth-management-rebalancing-assistant
description
当用户需要在银行财富管理场景下,围绕再平衡进行适配、配置、推荐、方案设计或备选方案比较时使用本技能。适合输出主方案、备选方案、匹配逻辑、风险提示和沟通要点。

资产再平衡建议助手

本技能面向银行财富管理场景,核心是把客户目标、风险承受能力、期限约束、家庭资产配置和市场环境组织成可解释、可沟通、可合规落地的建议。 当前这支 skill 更偏向服务 理财经理、财富顾问和私行团队,输出时要特别注意 把客户目标、风险偏好和市场环境组织成可解释建议。

适用范围

  • 产品适配、资产配置、持仓诊断、陪伴内容和市场波动沟通
  • 适用于理财经理、财富顾问、私行顾问和客户陪伴团队
  • 围绕[再平衡]这个具体场景组织信息、形成判断和沉淀标准化输出
  • 输出结果应满足:配置建议、沟通要点和风险提示

何时使用

  • 需要围绕再平衡做适配、推荐、配置、方案设计或备选方案比较时
  • 需要根据目标、约束、客群特征和风险边界给出可解释建议时
  • 需要对持仓偏离、目标权重、调仓幅度进行量化计算时

何时不要使用

  • 缺少需求、约束或适用边界就要求强推单一方案时
  • 用户要求规避适当性、风控或合规要求时

默认工作流

  1. 先明确服务对象、本次目标和必须满足的约束条件
  2. 归纳需求、偏好、期限、资金用途、风险承受能力或业务痛点
  3. 比较可选方案的匹配逻辑、收益风险平衡和落地条件
  4. 用量化计算形成“偏离度-调整幅度-执行顺序”的草案
  5. 给出主方案、备选方案和不建议方案,并说明原因
  6. 输出沟通话术与风险提示,明确下一步核验与跟进动作

重点分析框架

  • 需求和约束是否说清楚
  • 方案之间的取舍逻辑是否清晰
  • 方案是否真正可执行而不是停留在口号
  • 是否充分提示边界、风险和替代路径
  • 市场解释、客户理解难点、流动性约束和沟通节奏
  • 再平衡触发原因(偏离阈值/风险变化/现金流变化/策略切换)
  • 调整顺序(先补现金与防守,再调波动资产)

输入要求

  • 客户风险偏好、投资目标、期限要求、流动性约束和现有持仓
  • 产品池信息、市场观点、适当性要求和渠道限制
  • 客户沟通背景、近期关注点和本次触达目标
  • 需求描述、目标约束、客群或客户画像
  • 产品池、解决方案选项或可用资源
  • 持仓变化、市场事件、客户目标和风险偏好
  • 若需量化计算:资产名称、持仓市值、目标权重、容忍偏离区间

输出要求

  • 适配或配置建议
  • 沟通要点、风险解释和后续跟进动作
  • 主推荐方案和备选方案
  • 匹配理由、限制条件和不建议事项
  • 沟通要点、落地步骤和后续确认清单
  • 客户能直接理解的解释稿或配置调整建议
  • 量化再平衡草案:偏离度、调仓方向、调仓金额区间

脚本与工具

  • scripts/rebalance_plan.py:基于持仓与目标权重输出再平衡草案(买入/卖出方向与金额)
  • references/rebalancing-input-schema.json:脚本输入结构示例
脚本使用方法
  1. 准备 JSON 输入(可参考 references/rebalancing-input-schema.json)
  2. 运行脚本生成 CSV 草案与摘要
bash
python scripts/rebalance_plan.py --input input.json --output rebalance.csv --summary rebalance.txt
脚本输出字段说明
  • asset:资产名称
  • action:买入/卖出
  • trade_value:建议调仓金额(不含费用、税费)
  • reason:偏离度与目标权重解释

风险与边界

  • 不得承诺收益、保证回本或绕过适当性要求
  • 不得在缺少关键约束时给出过强配置结论
  • 不得把推荐写成收益承诺或审批承诺
  • 对主观判断较强的建议要说明假设前提
  • 脚本输出仅为量化计算草案,不构成投资建议或审批意见

信息不足时的处理

  • 先列出已经掌握的事实,再明确缺失的关键字段,不要直接沉默
  • 无法形成强结论时,优先输出框架、待补资料和优先核验事项
  • 对依赖外部数据、制度文本或人工核实的部分,要单独标注[待补充/待确认]

交付标准

  • 建议要兼顾客户目标、风险和流动性
  • 结论既要客户听得懂,也要经得起合规复核
  • 输出中要清楚区分已确认信息、待核验信息和经验判断
  • 至少回答[现在怎么看][为什么这么看][下一步做什么]三个问题
  • 内容要让理财经理、财富顾问和私行团队可以直接拿去推进后续动作

输出模板(可直接复用)

  • 再平衡触发:偏离阈值/风险变化/现金流变化/策略切换(择要)
  • 已确认信息:客户目标、风险评级、期限、流动性约束、当前持仓
  • 待核验信息:产品流动性限制、税费影响、可交易额度
  • 主方案:调整方向与幅度、执行顺序、预计影响
  • 备选方案:保守/进取两档,适配人群与限制条件
  • 不建议方案:原因与风险提示
  • 沟通要点:客户能理解的解释+关键风险提示
  • 下一步动作:补充资料清单、复核节点、复访时间

© aifinlab, Apache-2.0. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 2 other files (scripts, references) in skills/bank-t189-wealth-management-rebalancing-assistant of aifinlab/FinClaw.

  • SKILL.md
  • references/rebalancing-input-schema.json
  • scripts/rebalance_plan.py

Open the folder on GitHubat commit 9e62862

Compare with similar skills

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Bank T189 Wealth Management Rebalancing Assistant compared with similar skills
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Bank T189 Wealth Management Rebalancing Assistant this skillaifinlab/FinClaw255—~564Automated safety check: PassApache-2.0
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Generic Assistantmastra-ai/mastra29k—~1.1kAutomated safety check: PassCustom licence
Model Bank Metadatalobehub/lobehub83k—~2kAutomated safety check: PassCustom licence
N8n Docs Assistantn8n-io/n8n207k—~550Automated safety check: PassCustom licence
Banknoskillish/bankmcp277—~1.1kAutomated safety check: PassMIT

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Questions about Bank T189 Wealth Management Rebalancing Assistant

What does Bank T189 Wealth Management Rebalancing Assistant do?

当用户需要在银行财富管理场景下,围绕再平衡进行适配、配置、推荐、方案设计或备选方案比较时使用本技能。适合输出主方案、备选方案、匹配逻辑、风险提示和沟通要点。. Bank T189 Wealth Management Rebalancing Assistant is an agent skill from aifinlab/FinClaw.

How do I install Bank T189 Wealth Management Rebalancing Assistant in Claude Code?

Run `npx skills add aifinlab/FinClaw --skill bank-t189-wealth-management-rebalancing-assistant -a claude-code`. Or copy the skill folder (skills/bank-t189-wealth-management-rebalancing-assistant in aifinlab/FinClaw) into .claude/skills/bank-t189-wealth-management-rebalancing-assistant in your project. Claude Code loads it when a task matches its description.

How do I install Bank T189 Wealth Management Rebalancing Assistant in Codex?

Run `npx skills add aifinlab/FinClaw --skill bank-t189-wealth-management-rebalancing-assistant -a codex`. Or copy the skill folder (skills/bank-t189-wealth-management-rebalancing-assistant in aifinlab/FinClaw) into .agents/skills/bank-t189-wealth-management-rebalancing-assistant in your project. Codex loads it when a task matches its description.

Can I use Bank T189 Wealth Management Rebalancing Assistant in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add aifinlab/FinClaw --skill bank-t189-wealth-management-rebalancing-assistant -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/bank-t189-wealth-management-rebalancing-assistant, .gemini/skills/bank-t189-wealth-management-rebalancing-assistant, .github/skills/bank-t189-wealth-management-rebalancing-assistant and .opencode/skills/bank-t189-wealth-management-rebalancing-assistant in your project.

What does Bank T189 Wealth Management Rebalancing Assistant need to run?

Going by SKILL.md and its folder, Bank T189 Wealth Management Rebalancing Assistant needs Python for the scripts in its folder and the command-line tools its instructions call (python). Our summary lists: Python 3.

Does Bank T189 Wealth Management Rebalancing Assistant access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Bank T189 Wealth Management Rebalancing Assistant safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.

What licence does Bank T189 Wealth Management Rebalancing Assistant use?

Bank T189 Wealth Management Rebalancing Assistant is published under the Apache-2.0 licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Bank T189 Wealth Management Rebalancing Assistant use?

About 564 tokens (SKILL.md is roughly 2.3k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 104 tokens, read only when the agent opens those files.

What are the alternatives to Bank T189 Wealth Management Rebalancing Assistant?

Skills that share tags, products or a category with Bank T189 Wealth Management Rebalancing Assistant: Open Banking Io (davila7/claude-code-templates, 33k stars), Generic Assistant (mastra-ai/mastra, 29k stars), Model Bank Metadata (lobehub/lobehub, 83k stars) and N8n Docs Assistant (n8n-io/n8n, 207k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Bank T189 Wealth Management Rebalancing Assistant?

aifinlab (a GitHub user) maintains it in aifinlab/FinClaw, which has 255 GitHub stars. The repository holds 74 skills in this directory. The repository was last updated on May 13, 2026.

Source: aifinlab/FinClaw on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.