Risk
alsk1992/CloddsBot
Unified risk engine with VaR, stress testing, volatility regimes, and automated controls
两融风险助手(高杠杆版)- 识别和评估高杠杆客户的融资融券风险。当用户需要监控高杠杆客户的维保比例、评估杠杆风险、生成预警报告或制定风险控制措施时触发此技能。适用于券商两融业务、风控、营业部的风险管理场景。
$ npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install aifinlab/FinClaw margin-risk-high-leverage --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/aifinlab/FinClaw.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/margin-risk-high-leverage .claude/skills/margin-risk-high-leverage && rm -rf skills-srcUse ~/.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/
Install the "margin-risk-high-leverage" agent skill from https://github.com/aifinlab/FinClaw/tree/main/skills/margin-risk-high-leverage into .claude/skills/margin-risk-high-leverage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "margin-risk-high-leverage", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/aifinlab/FinClaw/tree/main/skills/margin-risk-high-leverageType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install aifinlab/FinClaw margin-risk-high-leverage --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/aifinlab/FinClaw.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/margin-risk-high-leverage .agents/skills/margin-risk-high-leverage && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "margin-risk-high-leverage" agent skill from https://github.com/aifinlab/FinClaw/tree/main/skills/margin-risk-high-leverage into .agents/skills/margin-risk-high-leverage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "margin-risk-high-leverage", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install aifinlab/FinClaw margin-risk-high-leverage --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/aifinlab/FinClaw.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/margin-risk-high-leverage .cursor/skills/margin-risk-high-leverage && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "margin-risk-high-leverage" agent skill from https://github.com/aifinlab/FinClaw/tree/main/skills/margin-risk-high-leverage into .cursor/skills/margin-risk-high-leverage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "margin-risk-high-leverage", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/aifinlab/FinClaw.git --path skills/margin-risk-high-leverage--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install aifinlab/FinClaw margin-risk-high-leverage --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/aifinlab/FinClaw.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/margin-risk-high-leverage .gemini/skills/margin-risk-high-leverage && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "margin-risk-high-leverage" agent skill from https://github.com/aifinlab/FinClaw/tree/main/skills/margin-risk-high-leverage into .gemini/skills/margin-risk-high-leverage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "margin-risk-high-leverage", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install aifinlab/FinClaw margin-risk-high-leverageInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/aifinlab/FinClaw.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/margin-risk-high-leverage .github/skills/margin-risk-high-leverage && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "margin-risk-high-leverage" agent skill from https://github.com/aifinlab/FinClaw/tree/main/skills/margin-risk-high-leverage into .github/skills/margin-risk-high-leverage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "margin-risk-high-leverage", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install aifinlab/FinClaw margin-risk-high-leverage --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/aifinlab/FinClaw.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/margin-risk-high-leverage .opencode/skills/margin-risk-high-leverage && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "margin-risk-high-leverage" agent skill from https://github.com/aifinlab/FinClaw/tree/main/skills/margin-risk-high-leverage into .opencode/skills/margin-risk-high-leverage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "margin-risk-high-leverage", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
margin-risk-high-leverage两融风险助手(高杠杆版)- 识别和评估高杠杆客户的融资融券风险。当用户需要监控高杠杆客户的维保比例、评估杠杆风险、生成预警报告或制定风险控制措施时触发此技能。适用于券商两融业务、风控、营业部的风险管理场景。
Margin Risk High Leverage is an agent skill from aifinlab/FinClaw. 两融风险助手(高杠杆版)- 识别和评估高杠杆客户的融资融券风险。当用户需要监控高杠杆客户的维保比例、评估杠杆风险、生成预警报告或制定风险控制措施时触发此技能。适用于券商两融业务、风控、营业部的风险管理场景。
Its SKILL.md is about 1.2k 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/forced-liquidation.md`, `references/margin-risk-indicators.md` and `references/warning-thresholds.md`).
The licence is Apache-2.0.
5 steps, taken from the step headings in SKILL.md.
Read from SKILL.md and the folder at commit 9e62862. It shows what the files ask for, not the result of running them.
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.
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.
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Margin Risk High Leverage loads about 1.2k tokens when it runs, and up to ~3.9k if it reads all its reference files. Until then it costs about 32 tokens; SKILL.md has 103 words of instructions outside code blocks.
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.
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.
The full file from aifinlab/FinClaw at commit 9e62862, republished under its Apache-2.0 licence (© aifinlab). 103 words, ~1,243 tokens.
.claude/skills/margin-risk-high-leverage/SKILL.md (or your agent's skills folder). This skill also uses 4 other files; get the full folder from GitHub.使用此技能当:
首先向用户确认以下信息:
## 杠杆指标
### 基础指标
| 指标 | 公式 | 当前值 | 预警线 | 警戒线 |
|------|------|--------|--------|--------|
| 维保比例 | 总资产/负债 | X% | 140% | 130% |
| 杠杆倍数 | 总资产/自有资金 | X 倍 | 3 倍 | 4 倍 |
| 融资集中度 | 融资余额/总资产 | X% | 70% | 80% |
| 持仓集中度 | 最大持仓/总资产 | X% | 50% | 60% |
### 风险指标
| 指标 | 公式 | 当前值 | 说明 |
|------|------|--------|------|
| 安全边际 | (维保比例 -140%)/140% | X% | 距离预警线的缓冲 |
| 平仓风险距离 | (维保比例 -130%)/130% | X% | 距离平仓线的缓冲 |
| 杠杆风险系数 | 杠杆倍数×持仓集中度 | X | 综合风险指标 || 等级 | 杠杆倍数 | 维保比例 | 风险等级 |
|---|---|---|---|
| 低风险 | <2 倍 | >200% | 绿色 |
| 中风险 | 2-3 倍 | 150-200% | 黄色 |
| 高风险 | 3-4 倍 | 140-150% | 橙色 |
| 极高风险 | >4 倍 | <140% | 红色 |
按以下结构生成风险评估报告:
# 高杠杆客户风险评估报告
## 客户基本信息
| 项目 | 内容 |
|------|------|
| 客户姓名/代码 | [标识] |
| 账户类型 | 个人/机构 |
| 开户日期 | YYYY-MM-DD |
| 风险等级 | [等级] |
| 授信额度 | [万元] |
| 已使用额度 | [万元] |
| 额度使用率 | X% |
---
## 一、资产负债情况
### 1.1 资产构成
| 资产类型 | 金额 (万元) | 占比 | 较上期变化 |
|----------|-------------|------|------------|
| 现金 | [金额] | X% | [%] |
| 股票市值 | [金额] | X% | [%] |
| 基金市值 | [金额] | X% | [%] |
| 其他 | [金额] | X% | [%] |
| **总资产** | **[金额]** | **100%** | **[%]** |
### 1.2 负债构成
| 负债类型 | 金额 (万元) | 占比 | 利率 | 到期日 |
|----------|-------------|------|------|--------|
| 融资负债 | [金额] | X% | X% | [日期] |
| 融券负债 | [金额] | X% | X% | [日期] |
| 利息费用 | [金额] | X% | - | - |
| **总负债** | **[金额]** | **100%** | | |
### 1.3 净资产
- **净资产**:[万元]
- **自有资金**:[万元]
- **杠杆倍数**:X 倍
---
## 二、维保比例分析
### 2.1 维保比例趋势
| 日期 | 维保比例 | 较前日变化 | 状态 |
|------|----------|------------|------|
| T 日 | X% | +/-% | 正常/预警/警戒 |
| T-1 日 | X% | +/-% | - |
| T-2 日 | X% | +/-% | - |
| T-3 日 | X% | +/-% | - |
| T-4 日 | X% | +/-% | - |
### 2.2 维保比例压力测试
| 情景 | 跌幅 | 维保比例 | 状态 |
|------|------|----------|------|
| 正常 | 0% | X% | - |
| 轻度压力 | -5% | X% | - |
| 中度压力 | -10% | X% | - |
| 重度压力 | -15% | X% | - |
| 极端压力 | -20% | X% | - |
### 2.3 预警线分析
- **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%
---
## 三、持仓风险分析
### 3.1 持仓集中度
| 持仓 | 市值 (万元) | 占比 | 成本价 | 现价 | 盈亏率 |
|------|-------------|------|--------|------|--------|
| [股票 1] | [金额] | X% | [价] | [价] | +/-% |
| [股票 2] | [金额] | X% | [价] | [价] | +/-% |
| [股票 3] | [金额] | X% | [价] | [价] | +/-% |
| 其他 | [金额] | X% | - | - | - |
| **合计** | **[金额]** | **100%** | | | **+/-%** |
### 3.2 持仓风险评估
| 股票 | 波动率 | Beta | 最大回撤 | 风险等级 |
|------|--------|------|----------|----------|
| [股票 1] | X% | X | -X% | 高/中/低 |
| [股票 2] | X% | X | -X% | 高/中/低 |
### 3.3 担保品质量
| 担保品类型 | 折算率 | 市值 (万元) | 担保证值 |
|------------|--------|-------------|------------|
| [股票 1] | X% | [金额] | [金额] |
| [股票 2] | X% | [金额] | [金额] |
| 现金 | 100% | [金额] | [金额] |
---
## 四、风险预警
### 4.1 预警信号
| 预警类型 | 触发条件 | 当前状态 | 预警级别 |
|----------|----------|----------|----------|
| 维保比例预警 | <140% | 是/否 | 高/中/低 |
| 杠杆倍数预警 | >4 倍 | 是/否 | 高/中/低 |
| 持仓集中度预警 | >60% | 是/否 | 高/中/低 |
| 单一证券预警 | >30% | 是/否 | 高/中/低 |
| 亏损预警 | >20% | 是/否 | 高/中/低 |
### 4.2 综合风险评级
- **风险等级**:[高/中/低]
- **风险评分**:X/100
- **评级日期**:YYYY-MM-DD
---
## 五、风险控制建议
### 5.1 即时措施
- [ ] 发送维保比例预警通知
- [ ] 要求追加担保物
- [ ] 限制新开仓
- [ ] 建议降低仓位
### 5.2 短期措施(1 周内)
- [ ] 与客户沟通风险情况
- [ ] 制定减仓计划
- [ ] 调整担保品结构
### 5.3 中期措施(1 月内)
- [ ] 降低授信额度
- [ ] 提高保证金比例
- [ ] 加强监控频率
### 5.4 应急预案
- **触发条件**:维保比例<130%
- **应对措施**:
1. 立即通知客户追加担保物
2. 如未追加,启动强制平仓程序
3. 平仓顺序:[顺序]
4. 平仓目标:维保比例恢复至 150% 以上
---
## 六、客户沟通记录
| 日期 | 沟通方式 | 沟通内容 | 客户反馈 | 跟进人 |
|------|----------|----------|----------|--------|
| [日期] | 电话/微信/面谈 | [内容] | [反馈] | [姓名] |
---
## 七、监控计划
### 监控频率
- **当前风险等级**:[等级]
- **监控频率**:每日/每周/每月
- **监控指标**:维保比例、持仓集中度、盈亏情况
### 报告频率
- **日报**:高风险客户
- **周报**:中风险客户
- **月报**:低风险客户
---
**编制人**:[姓名] **日期**:YYYY-MM-DD
**审核人**:[姓名] **日期**:YYYY-MM-DD| 指标 | 正常 | 关注 | 预警 | 警戒 |
|---|---|---|---|---|
| 维保比例 | >150% | 140-150% | 130-140% | <130% |
| 杠杆倍数 | <3 倍 | 3-4 倍 | 4-5 倍 | >5 倍 |
| 持仓集中度 | <50% | 50-60% | 60-70% | >70% |
| 单一证券占比 | <20% | 20-30% | 30-40% | >40% |
| 浮亏比例 | <10% | 10-20% | 20-30% | >30% |
【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%
请您及时关注账户风险,可采取以下措施:
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
如维保比例低于 130%,我司将有权启动强制平仓程序。
详询您的客户经理或拨打客服热线:95XXX
XX 证券股份有限公司
YYYY-MM-DDreferences/margin-risk-indicators.md - 两融风险指标references/warning-thresholds.md - 预警阈值标准references/forced-liquidation.md - 强制平仓流程© 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
SKILL.md and 4 other files (scripts, references) in skills/margin-risk-high-leverage of aifinlab/FinClaw.
Open the folder on GitHubat commit 9e62862
Margin Risk High Leverage next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Margin Risk High Leverage this skillaifinlab/FinClaw | 254 | — | ~1.2k | Automated safety check: Pass | Apache-2.0 | |
| Riskalsk1992/CloddsBot | 2.9k | 1 repos | ~2.4k | Automated safety check: Pass | MIT | |
| Trader Riskruvnet/ruflo | 74k | 1 repos | ~358 | Automated safety check: Notes | MIT | |
| Risk Management Specialistalirezarezvani/claude-skills | 28k | 1 repos | ~4.1k | Automated safety check: Pass | MIT | |
| Conducting Cyber Risk Assessment With Nist 800 30mukul975/Anthropic-Cybersecurity-Skills | 34k | — | ~2.5k | Automated safety check: Pass | Apache-2.0 | |
| Prediction Market Risk Reviewaffaan-m/ECC | 275k | 1 repos | ~471 | Automated safety check: Pass | MIT |
alsk1992/CloddsBot
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aifinlab/FinClaw
A skill your agent uses when the user asks for help with corporate credit due diligence, enterprise credit investigation, pre-loan review, borrower analysis, document collection, management…
aifinlab/FinClaw
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aifinlab/FinClaw
A skill your agent uses when you need a bank corporate client operating-volatility monitoring assistant (经营监测/指标波动/预警解释).
aifinlab/FinClaw
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aifinlab/FinClaw
A skill your agent uses when you need a bank corporate credit issue-list assistant (问题清单/补件清单/催办台账).
aifinlab/FinClaw
A skill your agent uses when you need a bank corporate credit approval-opinion drafting assistant (审批意见/条款建议/有条件同意).
两融风险助手(高杠杆版)- 识别和评估高杠杆客户的融资融券风险。当用户需要监控高杠杆客户的维保比例、评估杠杆风险、生成预警报告或制定风险控制措施时触发此技能。适用于券商两融业务、风控、营业部的风险管理场景。. Margin Risk High Leverage is an agent skill from aifinlab/FinClaw.
Run `npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a claude-code`. Or copy the skill folder (skills/margin-risk-high-leverage in aifinlab/FinClaw) into .claude/skills/margin-risk-high-leverage in your project. Claude Code loads it when a task matches its description.
Run `npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a codex`. Or copy the skill folder (skills/margin-risk-high-leverage in aifinlab/FinClaw) into .agents/skills/margin-risk-high-leverage in your project. Codex loads it when a task matches its description.
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -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-risk-high-leverage, .gemini/skills/margin-risk-high-leverage, .github/skills/margin-risk-high-leverage and .opencode/skills/margin-risk-high-leverage in your project.
Going by SKILL.md and its folder, Margin Risk High Leverage needs Python for the scripts in its folder. Our summary lists: Python 3.
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.
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.
Margin Risk High Leverage 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.
About 1.2k tokens (SKILL.md is roughly 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 2.6k tokens, read only when the agent opens those files.
Skills that share tags, products or a category with Margin Risk High Leverage: Risk (alsk1992/CloddsBot, 2.9k stars), Trader Risk (ruvnet/ruflo, 74k stars), Risk Management Specialist (alirezarezvani/claude-skills, 28k stars) and Conducting Cyber Risk Assessment With Nist 800 30 (mukul975/Anthropic-Cybersecurity-Skills, 34k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
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.