Agent skill

High Dividend Strategy

by Geeksfino in Geeksfino/finskills

分析A股高股息策略,评估红利股的收益可持续性与长期回报。当用户询问高股息股票、红利策略、A股分红分析、现金分红覆盖率、中证红利指数成分股、股息率排名或长期收入型投资时使用此技能。

Apache-2.0Auto-check passedBusiness, Finance & HR

Install High Dividend Strategy

skills CLI
$ npx skills add Geeksfino/finskills --skill high-dividend-strategy -a claude-code

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

GitHub CLI
$ gh skill install Geeksfino/finskills high-dividend-strategy --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/Geeksfino/finskills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/China-market/high-dividend-strategy .claude/skills/high-dividend-strategy && 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
high-dividend-strategy
GitHub stars
282
Token cost
~532 tokens
SKILL.md length
120 words
Files
4 (incl. references)
Skills in repo
30
Repo updated
First seen
Licence
Apache-2.0

At a glance

分析A股高股息策略,评估红利股的收益可持续性与长期回报。当用户询问高股息股票、红利策略、A股分红分析、现金分红覆盖率、中证红利指数成分股、股息率排名或长期收入型投资时使用此技能。

  • Works in 5 steps: 分析范围 — 中证红利指数成分股、上证红利指数、全市场筛选、或自定义列表 → 回溯期 — 默认:近5年回报分析(A股分红历史较短,10年以上数据有限) → 结果数量 — 默认:前10只 → …
  • Business, Finance & HR work in your project
  • SKILL.md covers 工作流程, 数据增强 and 重要注意事项
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

High Dividend Strategy is an agent skill from Geeksfino/finskills. 分析A股高股息策略,评估红利股的收益可持续性与长期回报。当用户询问高股息股票、红利策略、A股分红分析、现金分红覆盖率、中证红利指数成分股、股息率排名或长期收入型投资时使用此技能。

Its SKILL.md is about 530 tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including reference files (for example `references/calculation-methodology.md` and `references/output-template.md`).

It sits in Business, Finance & HR. The repository describes itself as: Financial engineering and risk/compliance skills for agents. The licence is Apache-2.0.

When your agent uses it

  • Business, Finance & HR work in your project

Example prompts

  • “/high-dividend-strategy”

Workflow steps

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

  1. 分析范围 — 中证红利指数成分股、上证红利指数、全市场筛选、或自定义列表
  2. 回溯期 — 默认:近5年回报分析(A股分红历史较短,10年以上数据有限)
  3. 结果数量 — 默认:前10只
  4. 排名优先级 — 股息率、分红增长、可持续性、总回报、或综合评分
  5. 板块偏好 — 是否偏好国企改革受益标的

What it can do on your machine

Read from SKILL.md and the folder at commit 8722415. 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

    No scripts in the folder and no shell commands in SKILL.md.

    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

High Dividend Strategy loads about 532 tokens when it runs, and up to ~2.6k if it reads all its reference files. Until then it costs about 28 tokens; SKILL.md has 120 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~28
When it runs · the whole SKILL.md, loaded when a task matches
~532
With references · SKILL.md plus every file in references/, read only if the agent opens them
~2.6k

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); files beside SKILL.md are not scanned.

SKILL.md

The full file from Geeksfino/finskills at commit 8722415, republished under its Apache-2.0 licence (© Geeksfino). 120 words, ~532 tokens.

Download SKILL.mdSave it as .claude/skills/high-dividend-strategy/SKILL.md (or your agent's skills folder). This skill also uses 3 other files; get the full folder from GitHub.
name
high-dividend-strategy
description
分析A股高股息策略,评估红利股的收益可持续性与长期回报。当用户询问高股息股票、红利策略、A股分红分析、现金分红覆盖率、中证红利指数成分股、股息率排名或长期收入型投资时使用此技能。
license
Apache-2.0

高股息策略分析器

扮演以红利为核心的投资组合经理。分析A股市场高股息股票,评估分红可持续性、长期总回报及收入稳定性。

工作流程

第一步:确定参数

与用户确认:

  1. 分析范围 — 中证红利指数成分股、上证红利指数、全市场筛选、或自定义列表
  2. 回溯期 — 默认:近5年回报分析(A股分红历史较短,10年以上数据有限)
  3. 结果数量 — 默认:前10只
  4. 排名优先级 — 股息率、分红增长、可持续性、总回报、或综合评分
  5. 板块偏好 — 是否偏好国企改革受益标的
第二步:计算核心指标

对每只候选股票计算以下指标。详细计算方法参见 references/calculation-methodology.md。

指标计算方式
近5年总回报股价涨跌 + 累计现金分红(假设分红再投资)
当前股息率近12个月每股现金分红 / 当前股价
分红增长率每股分红5年复合增长率
分红率(利润口径)每股分红 / 每股收益
分红率(现金流口径)现金分红总额 / 自由现金流
自由现金流覆盖自由现金流 / 现金分红总额
第三步:评估分红可持续性

评估分红能否持续或增长:

维度评估内容
利润分红率空间分红率 < 70%(公用事业/银行可放宽至80%)
现金流覆盖自由现金流覆盖分红 ≥ 1.3倍
资产负债率负债水平合理,非借债分红
盈利稳定性盈利波动小,抗周期能力强
分红历史连续分红年数,分红政策明确性
国企改革催化国资委分红率提升要求的受益程度

详细评分标准参见 references/calculation-methodology.md。

第四步:排名

按综合评分排名:

因素权重(综合)权重(收入型)权重(成长型)
总回报(5年)25%15%30%
当前股息率20%30%10%
分红增长率20%15%30%
可持续性评分25%30%20%
估值水平(PE/PB)10%10%10%
第五步:呈现结果

以结构化报告呈现,格式参见 references/output-template.md:

  1. 摘要 — A股红利市场概况、利率环境、主要发现
  2. 方法论 — 分析范围、时间段、再投资假设、排名权重
  3. 个股分析 — 每只股票完整分析
  4. 对比表 — 横向对比所有指标
  5. 收入测算 — 假设10万元投资的未来分红收入预测
  6. 风险提示

数据增强

如需实时市场数据支撑分析,请使用金融数据工具包技能(findata-toolkit-cn)。该工具包提供A股实时行情、财务指标、董监高增减持、北向资金、宏观数据等功能,所有数据源免费,无需API密钥。

重要注意事项

  • A股分红特点:多数公司每年仅分红一次(年报后),少数半年分红。与美股季度分红习惯不同。
  • 送股/转增 ≠ 现金分红:送红股和资本公积转增股本不产生现金收入,仅增加股数。本分析仅关注现金分红。
  • 持有期税率:A股个人投资者分红税率与持有期挂钩 — 持有超1年免税、1个月至1年税率10%、不足1个月税率20%。长期持有策略可显著提升税后收益。
  • 国企分红改革:国资委近年持续推动央企/国企提升分红比例至30%以上,这是结构性利好红利策略的政策催化。
  • 高股息陷阱:股息率高可能是因股价大幅下跌导致,而非分红丰厚。务必配合可持续性分析。
  • 利率环境:低利率环境(存款利率低、理财收益率低)是高股息策略的宏观利好,但利率上行时红利股可能跑输。
  • 行业集中度:A股高股息标的集中在银行、煤炭、公用事业、石化等行业,需警惕集中度风险。

© Geeksfino, 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 3 other files (references) in China-market/high-dividend-strategy of Geeksfino/finskills.

  • SKILL.md
  • LICENSE.txt
  • references/calculation-methodology.md
  • references/output-template.md

Open the folder on GitHubat commit 8722415

Compare with similar skills

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SkillStarsUsed inTokensAuto-checkLicenceRepo updated
High Dividend Strategy this skillGeeksfino/finskills282—~532Automated safety check: PassApache-2.0
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Theme Detectortradermonty/claude-trading-skills3k2 repos~4.9kAutomated safety check: PassMIT
Creating Financial ModelsChen-zexi/open-ptc-agent7293 repos~1.3kAutomated safety check: PassMIT
Stock APIzhangxiangliang/stock-api2k—~507Automated safety check: PassMIT
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Questions about High Dividend Strategy

What does High Dividend Strategy do?

分析A股高股息策略,评估红利股的收益可持续性与长期回报。当用户询问高股息股票、红利策略、A股分红分析、现金分红覆盖率、中证红利指数成分股、股息率排名或长期收入型投资时使用此技能。. High Dividend Strategy is an agent skill from Geeksfino/finskills.

When should I use High Dividend Strategy?

High Dividend Strategy fits situations like: business, Finance & HR work in your project.

How do I install High Dividend Strategy in Claude Code?

Run `npx skills add Geeksfino/finskills --skill high-dividend-strategy -a claude-code`. Or copy the skill folder (China-market/high-dividend-strategy in Geeksfino/finskills) into .claude/skills/high-dividend-strategy in your project. Claude Code loads it when a task matches its description.

How do I install High Dividend Strategy in Codex?

Run `npx skills add Geeksfino/finskills --skill high-dividend-strategy -a codex`. Or copy the skill folder (China-market/high-dividend-strategy in Geeksfino/finskills) into .agents/skills/high-dividend-strategy in your project. Codex loads it when a task matches its description.

Can I use High Dividend Strategy 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 Geeksfino/finskills --skill high-dividend-strategy -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/high-dividend-strategy, .gemini/skills/high-dividend-strategy, .github/skills/high-dividend-strategy and .opencode/skills/high-dividend-strategy in your project.

What does High Dividend Strategy need to run?

SKILL.md names no scripts, command-line tools or credentials: High Dividend Strategy is instructions for the agent only.

Does High Dividend Strategy 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 High Dividend Strategy 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. Review the folder before installing.

What licence does High Dividend Strategy use?

High Dividend Strategy is published under the Apache-2.0 licence (declared in SKILL.md). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does High Dividend Strategy use?

About 532 tokens (SKILL.md is roughly 2.1k 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 2k tokens, read only when the agent opens those files.

What are the alternatives to High Dividend Strategy?

Skills that share tags, products or a category with High Dividend Strategy: Technical Analyst (tradermonty/claude-trading-skills, 3k stars), Theme Detector (tradermonty/claude-trading-skills, 3k stars), Creating Financial Models (Chen-zexi/open-ptc-agent, 729 stars) and Stock API (zhangxiangliang/stock-api, 2k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains High Dividend Strategy?

Geeksfino (a GitHub user) maintains it in Geeksfino/finskills, which has 282 GitHub stars. The repository holds 30 skills in this directory. The repository was last updated on March 5, 2026.

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