Agent skill

Margin Call Reminder

by aifinlab in aifinlab/FinClaw

追保提醒助手 - 管理两融客户追加担保物提醒。当用户需要向维保比例不足的客户发送追保通知、跟踪追保执行情况、管理追保期限或记录追保沟通时触发此技能。适用于券商两融业务、风控、营业部的客户管理场景。

Apache-2.0Auto-check passed

Install Margin Call Reminder

skills CLI
$ npx skills add aifinlab/FinClaw --skill margin-call-reminder -a claude-code

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

GitHub CLI
$ gh skill install aifinlab/FinClaw margin-call-reminder --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/margin-call-reminder .claude/skills/margin-call-reminder && 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
margin-call-reminder
GitHub stars
254
Token cost
~1.1k tokens
SKILL.md length
90 words
Files
5 (incl. scripts, references)
Skills in repo
74
Repo updated
First seen
Licence
Apache-2.0

At a glance

追保提醒助手 - 管理两融客户追加担保物提醒。当用户需要向维保比例不足的客户发送追保通知、跟踪追保执行情况、管理追保期限或记录追保沟通时触发此技能。适用于券商两融业务、风控、营业部的客户管理场景。

  • Works in 6 steps: 确认客户基本信息 → 追保通知生成 → 通知模板库 → …
  • SKILL.md covers 触发场景, 核心工作流, 参考资源 and 注意事项
  • Runs Python scripts from its folder

What it does

Margin Call Reminder is an agent skill from aifinlab/FinClaw. 追保提醒助手 - 管理两融客户追加担保物提醒。当用户需要向维保比例不足的客户发送追保通知、跟踪追保执行情况、管理追保期限或记录追保沟通时触发此技能。适用于券商两融业务、风控、营业部的客户管理场景。

Its SKILL.md is about 1.1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 6 other files, including scripts and reference files (for example `references/communication-scripts.md`, `references/margin-call-process.md` and `references/notification-templates.md`).

The licence is Apache-2.0.

Example prompts

  • “/margin-call-reminder”

Requirements

  • Python 3

Workflow steps

6 steps, taken from the step headings in SKILL.md.

  1. 确认客户基本信息
  2. 追保通知生成
  3. 通知模板库
  4. 追保方式建议
  5. 沟通话术
  6. 追保跟踪表

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.

    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

Margin Call Reminder loads about 1.1k tokens when it runs, and up to ~3k if it reads all its reference files. Until then it costs about 30 tokens; SKILL.md has 90 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~30
When it runs · the whole SKILL.md, loaded when a task matches
~1.1k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~3k

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). 90 words, ~1,128 tokens.

Download SKILL.mdSave it as .claude/skills/margin-call-reminder/SKILL.md (or your agent's skills folder). This skill also uses 4 other files; get the full folder from GitHub.
name
margin-call-reminder
description
追保提醒助手 - 管理两融客户追加担保物提醒。当用户需要向维保比例不足的客户发送追保通知、跟踪追保执行情况、管理追保期限或记录追保沟通时触发此技能。适用于券商两融业务、风控、营业部的客户管理场景。

追保提醒助手

触发场景

使用此技能当:

  • 用户需要向客户发送追加担保物通知
  • 用户要跟踪客户的追保执行情况
  • 用户需要管理追保期限和截止时间
  • 用户要记录与客户的追保沟通
  • 用户提到"追保"、"追加担保物"、"维保比例不足"、"补仓"等

核心工作流

1. 确认客户基本信息

首先向用户确认以下信息:

  • 客户姓名/代码:[客户标识]
  • 当前维保比例:[%]
  • 预警线/警戒线/平仓线:[140%/130%/120%]
  • 需追加金额:[万元]
  • 追保截止日期:[日期]
  • 历史追保记录:[次数]
2. 追保通知生成

按以下结构生成追保通知:

markdown
# 追保提醒通知

## 客户基本信息
| 项目 | 内容 |
|------|------|
| 客户姓名/代码 | [标识] |
| 联系方式 | [电话/微信] |
| 客户经理 | [姓名] |
| 所属营业部 | [营业部] |

---

## 一、账户风险情况

### 1.1 当前状态
| 指标 | 数值 | 标准 | 状态 |
|------|------|------|------|
| 维保比例 | X% | 预警线 140% | 低于预警/警戒/平仓线 |
| 总资产 | [万元] | - | - |
| 总负债 | [万元] | - | - |
| 净资产 | [万元] | - | - |

### 1.2 风险等级
- **当前维保比例**:X%
- **距离预警线 (140%)**:+/-X%
- **距离警戒线 (130%)**:+/-X%
- **距离平仓线 (120%)**:+/-X%
- **风险等级**:高/中/低

### 1.3 持仓情况
| 证券 | 市值 (万元) | 占比 | 盈亏率 | 是否两融标的 |
|------|-------------|------|--------|--------------|
| [股票 1] | [金额] | X% | +/-% | 是/否 |
| [股票 2] | [金额] | X% | +/-% | 是/否 |
| ... | ... | ... | ... | ... |

---

## 二、追保要求

### 2.1 追保金额计算
| 项目 | 数值 |
|------|------|
| 当前维保比例 | X% |
| 目标维保比例 | 150% |
| 当前总资产 | [万元] |
| 当前总负债 | [万元] |
| **需追加担保物** | **[万元]** |

### 2.2 追保方式
客户可选择以下任一方式追加担保物:

**方式一:追加现金**
- 需追加金额:[万元]
- 转入账户:[账户信息]
- 到账时间:T+0

**方式二:追加证券**
- 可充抵保证金证券:[证券列表]
- 折算率:[X%]
- 需转入证券市值:[万元]

**方式三:偿还负债**
- 偿还融资金额:[万元]
- 偿还融券市值:[万元]
- 可释放担保物:[万元]

**方式四:主动减仓**
- 建议减仓金额:[万元]
- 建议减仓证券:[证券]
- 预计恢复维保比例:X%

### 2.3 追保期限
- **通知日期**:YYYY-MM-DD
- **最后期限**:YYYY-MM-DD(T+X 个交易日)
- **剩余时间**:X 个交易日

---

## 三、风险提示

### 3.1 未追保后果
如未在规定期限内追加担保物,可能导致:

1. **强制平仓**:我司有权启动强制平仓程序
2. **平仓损失**:平仓价格可能不利于客户,造成额外损失
3. **信用影响**:可能影响客户在我司的信用记录
4. **追偿权利**:如平仓后仍不足以偿还债务,我司有权继续追偿

### 3.2 平仓流程
1. 追保期限届满,维保比例仍低于警戒线
2. 发送平仓预告通知
3. 如仍未改善,启动强制平仓
4. 平仓顺序:[顺序说明]
5. 平仓目标:维保比例恢复至 150% 以上

---

## 四、客户沟通记录

| 日期 | 时间 | 沟通方式 | 沟通人 | 沟通内容 | 客户反馈 | 承诺行动 |
|------|------|----------|--------|----------|----------|----------|
| [日期] | [时间] | 电话/微信/面谈 | [姓名] | [内容] | [反馈] | [承诺] |

---

## 五、追保跟踪

### 5.1 跟踪计划
| 时间节点 | 跟踪方式 | 负责人 | 目标 |
|----------|----------|--------|------|
| 通知当日 | 电话通知 | [姓名] | 确认客户知悉 |
| T+1 日 | 微信跟进 | [姓名] | 了解客户意向 |
| T+2 日 | 电话沟通 | [姓名] | 确认追保计划 |
| 截止日前 1 日 | 最后提醒 | [姓名] | 督促客户行动 |

### 5.2 追保进度
| 日期 | 维保比例 | 追加金额 | 累计追加 | 状态 |
|------|----------|----------|----------|------|
| T 日 | X% | - | - | 已通知 |
| T+1 日 | X% | [万元] | [万元] | [状态] |
| T+2 日 | X% | [万元] | [万元] | [状态] |

### 5.3 追保结果
- [ ] 已按期足额追保
- [ ] 已部分追保,仍需追加 [万元]
- [ ] 未追保,已启动平仓程序
- [ ] 其他:[说明]

---

## 六、附件
- [附件 1:追保通知书]
- [附件 2:账户对账单]
- [附件 3:风险提示书]

---

**通知人**:[姓名]    **日期**:YYYY-MM-DD
**审核人**:[姓名]    **日期**:YYYY-MM-DD
3. 通知模板库
3.1 首次通知(维保比例<140%)
markdown
【XX 证券】维保比例预警通知

尊敬的 [客户姓名]:

您的信用账户当前维保比例为 X%,已低于预警线 (140%)。

当前持仓情况:
- 总资产:[万元]
- 总负债:[万元]
- 维保比例:X%

请您于 [日期] 前采取以下任一措施:
1. 追加担保物(现金或可充抵保证金证券)
2. 主动减仓降低负债
3. 偿还部分融资/融券负债

如维保比例持续低于警戒线 (130%),我司将有权启动强制平仓程序。

详询您的客户经理:[姓名] [电话]

XX 证券股份有限公司
YYYY-MM-DD
3.2 二次通知(维保比例<130%)
markdown
【XX 证券】追保紧急通知

尊敬的 [客户姓名]:

您的信用账户当前维保比例为 X%,已低于警戒线 (130%),情况紧急!

请您务必于 [日期] 前追加担保物,使维保比例恢复至 150% 以上。

需追加金额:[万元]

如未按时追保,我司将启动强制平仓程序,由此产生的损失由您自行承担。

紧急联系人:[姓名] [电话]

XX 证券股份有限公司
YYYY-MM-DD
3.3 最后通知(维保比例<120%)
markdown
【XX 证券】平仓预告通知

尊敬的 [客户姓名]:

您的信用账户当前维保比例为 X%,已低于平仓线 (120%)。

经多次通知,您尚未追加担保物。我司将于 [日期] 启动强制平仓程序。

平仓顺序:
1. [证券 1]
2. [证券 2]
3. ...

平仓目标:维保比例恢复至 150% 以上。

如有疑问,请立即联系:[姓名] [电话]

XX 证券股份有限公司
YYYY-MM-DD
4. 追保方式建议
客户情况建议方式优点缺点
有闲置资金追加现金快速、简便占用资金
持有其他证券追加证券不占用现金需考虑折算率
持仓盈利主动减仓释放资金、降低风险可能错失上涨
有还款能力偿还负债直接降低负债占用资金
5. 沟通话术
5.1 电话沟通话术
"您好,[客户姓名],我是 XX 证券的 [姓名]。

您的信用账户当前维保比例为 X%,已经低于预警线 (140%)。

为了您的账户安全,建议您在 [日期] 前追加 [万元] 的担保物,或者主动减仓降低负债。

如果维保比例持续下降,可能会触发强制平仓,造成不必要的损失。

您看您打算采取什么措施?有什么我可以帮您的吗?"
5.2 微信沟通话术
[客户姓名] 您好,您的信用账户维保比例当前为 X%,低于预警线。

当前情况:
- 总资产:[万元]
- 总负债:[万元]
- 需追加:[万元]
- 截止日期:[日期]

建议您尽快追加担保物或减仓,避免触发平仓。

详询:[客户经理姓名] [电话]
6. 追保跟踪表
客户当前维保需追加截止日通知次数客户反馈追保状态负责人
[客户]X%[万元][日期]X 次[反馈][状态][姓名]

参考资源

  • references/margin-call-process.md - 追保流程规范
  • references/notification-templates.md - 通知模板库
  • references/communication-scripts.md - 沟通话术

注意事项

  • 通知应及时、准确
  • 沟通应留痕
  • 期限应明确
  • 平仓应合规
  • 注意客户隐私保护
  • 特殊情况应上报

© 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 4 other files (scripts, references) in skills/margin-call-reminder of aifinlab/FinClaw.

  • SKILL.md
  • references/communication-scripts.md
  • references/margin-call-process.md
  • references/notification-templates.md
  • scripts/generate_reminder.py

Open the folder on GitHubat commit 9e62862

Compare with similar skills

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Margin Call Reminder compared with similar skills
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Remind Memajiayu000/claude-skill-registry6661 repos~850Automated safety check: PassMIT
Remindersviticci/remctl602—~727Automated safety check: PassMIT

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Questions about Margin Call Reminder

What does Margin Call Reminder do?

追保提醒助手 - 管理两融客户追加担保物提醒。当用户需要向维保比例不足的客户发送追保通知、跟踪追保执行情况、管理追保期限或记录追保沟通时触发此技能。适用于券商两融业务、风控、营业部的客户管理场景。. Margin Call Reminder is an agent skill from aifinlab/FinClaw.

How do I install Margin Call Reminder in Claude Code?

Run `npx skills add aifinlab/FinClaw --skill margin-call-reminder -a claude-code`. Or copy the skill folder (skills/margin-call-reminder in aifinlab/FinClaw) into .claude/skills/margin-call-reminder in your project. Claude Code loads it when a task matches its description.

How do I install Margin Call Reminder in Codex?

Run `npx skills add aifinlab/FinClaw --skill margin-call-reminder -a codex`. Or copy the skill folder (skills/margin-call-reminder in aifinlab/FinClaw) into .agents/skills/margin-call-reminder in your project. Codex loads it when a task matches its description.

Can I use Margin Call Reminder 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 margin-call-reminder -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/margin-call-reminder, .gemini/skills/margin-call-reminder, .github/skills/margin-call-reminder and .opencode/skills/margin-call-reminder in your project.

What does Margin Call Reminder need to run?

Going by SKILL.md and its folder, Margin Call Reminder needs Python for the scripts in its folder. Our summary lists: Python 3.

Does Margin Call Reminder 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 Margin Call Reminder 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 Margin Call Reminder use?

Margin Call Reminder 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 Margin Call Reminder use?

About 1.1k tokens (SKILL.md is roughly 4.5k 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 1.9k tokens, read only when the agent opens those files.

What are the alternatives to Margin Call Reminder?

Skills that share tags, products or a category with Margin Call Reminder: Reminders (steipete/agent-scripts, 7.3k stars), Managing Reminders (PostHog/posthog, 40k stars), Remind (davidondrej/skills, 4.1k stars) and Remind Me (majiayu000/claude-skill-registry, 666 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Margin Call Reminder?

aifinlab (a GitHub user) maintains it in aifinlab/FinClaw, which has 254 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.