Agent skill

Margin Risk High Leverage

by aifinlab in 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。

Apache-2.0Auto-check passed

Install Margin Risk High Leverage

skills CLI
$ npx skills add aifinlab/FinClaw --skill margin-risk-high-leverage -a claude-code

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

GitHub CLI
$ gh skill install aifinlab/FinClaw margin-risk-high-leverage --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-risk-high-leverage .claude/skills/margin-risk-high-leverage && 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-risk-high-leverage
GitHub stars
254
Token cost
~1.2k tokens
SKILL.md length
103 words
Files
5 (incl. scripts, references)
Skills in repo
74
Repo updated
First seen
Licence
Apache-2.0

At a glance

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。

  • Works in 5 steps: 确认客户基本信息 → 杠杆水平评估 → 风险评估报告 → …
  • 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 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.

Example prompts

  • “/margin-risk-high-leverage”

Requirements

  • Python 3

Workflow steps

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

  1. 确认客户基本信息
  2. 杠杆水平评估
  3. 风险评估报告
  4. 预警阈值设置
  5. 通知模板

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 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.

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
~1.2k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~3.9k

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). 103 words, ~1,243 tokens.

Download SKILL.mdSave it as .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.
name
margin-risk-high-leverage
description
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。

两融风险助手(高杠杆版)

触发场景

使用此技能当:

  • 用户需要监控高杠杆客户的风险
  • 用户要评估客户的杠杆水平和维保比例
  • 用户需要生成两融风险预警报告
  • 用户要制定高杠杆客户的风险控制措施
  • 用户提到"高杠杆"、"维保比例"、"两融风险"、"融资融券风险"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]
  • 账户类型:个人/机构
  • 总资产:[万元]
  • 融资余额:[万元]
  • 融券余额:[万元]
  • 自有资金:[万元]
  • 维保比例:[%]
2. 杠杆水平评估
2.1 杠杆指标计算
markdown
## 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 |
2.2 杠杆等级划分
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
3. 风险评估报告

按以下结构生成风险评估报告:

markdown
# 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
4. 预警阈值设置
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%
5. 通知模板
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-DD

参考资源

  • references/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

注意事项

  • 监控应实时、准确
  • 预警应及时、有效
  • 沟通应留痕
  • 平仓应合规
  • 注意客户隐私保护

© 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-risk-high-leverage of aifinlab/FinClaw.

  • SKILL.md
  • references/forced-liquidation.md
  • references/margin-risk-indicators.md
  • references/warning-thresholds.md
  • scripts/calculate_margin_risk.py

Open the folder on GitHubat commit 9e62862

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Questions about Margin Risk High Leverage

What does Margin Risk High Leverage do?

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.

How do I install Margin Risk High Leverage in Claude Code?

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.

How do I install Margin Risk High Leverage in Codex?

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.

Can I use Margin Risk High Leverage 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-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.

What does Margin Risk High Leverage need to run?

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

Does Margin Risk High Leverage 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 Risk High Leverage 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 Risk High Leverage use?

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.

How many tokens does Margin Risk High Leverage use?

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.

What are the alternatives to Margin Risk High Leverage?

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.

Who maintains Margin Risk High Leverage?

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.