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智能投顾增强技能：基于现代投资组合理论（MPT）和 Black-Litterman 模型框架，为用户提供个性化资产配置方案、投资组合建议及再平衡计划。支持风险偏好解析、资产规模评估、投资目标识别，合规提示全链路覆盖。
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Based on SOC occupation classification
Enterprise WeChat template_card builder and sender. Provides reusable card templates for due diligence reports, stock alerts, risk warnings, and more. Supports text_notice, news_notice, and button_interaction card types with fallback to markdown.
本技能为进出口企业提供全面的贸易融资方案推荐与对比分析，基于企业类型、贸易类型、融资金额、账期等关键参数，智能推荐最适合的融资产品。
Financial AI Skill - 客户经理营销话术实时生成器。输入客户画像和营销目标，AI自动生成电话/微信/拜访话术，支持异议处理预演、方言适配、多风格切换。覆盖零售/对公/理财/私行/信用卡全营销岗位。
网点分析技能是一个基于AI的银行网点竞争力评估与经营规划引擎。该技能综合分析网点的地理位置、竞争格局、客群特征等维度，输出SWOT分析、三年经营预测、重点发展业务方向及投入产出建议。
ALM（Asset-Liability Management，资产负债管理）引擎专注于银行资产负债表的全方位分析与优化。输入银行资产负债数据（资产规模、负债结构、期限分布），输出完整的缺口分析、风险指标（LCR/NSFR/久期缺口）及优化建议。
Financial AI Skill - 产品手册智能对话引擎。基于 BM25 + TF-IDF 双路检索 + RRF 融合的轻量级 RAG，零外部依赖、毫秒级响应、自动出处标注。支持理财/信用卡/贷款等多种产品手册同时入库，语音/文字提问秒回精准答案。Hit@1 实测 100%，平均检索耗时 < 3ms。
| name | robo_advisor |
| description | 智能投顾增强技能：基于现代投资组合理论（MPT）和 Black-Litterman 模型框架，为用户提供个性化资产配置方案、投资组合建议及再平衡计划。支持风险偏好解析、资产规模评估、投资目标识别，合规提示全链路覆盖。 |
| version | 1.0.0 |
| author | AlphaAgent |
| license | MIT |
| layer | L2 |
| capability_domain | ["C02","C03","C05"] |
| industry | financial |
| metadata | {"raw_title":"Robo Advisor Skill - 智能投顾引擎","auto_generated":true,"auto_generated_at":"2026-06-20"} |
智能投顾增强技能：基于现代投资组合理论（MPT）和 Black-Litterman 模型框架，为用户提供个性化资产配置方案、投资组合建议及再平衡计划。支持风险偏好解析、资产规模评估、投资目标识别，合规提示全链路覆盖。
python3 scripts/robo_advisor_cli.py generate "智能投顾 稳健型 资产100万 养老规划"
python3 scripts/robo_advisor_cli.py questionnaire "年龄30 收入50万 投资经验5年 亏损承受20%"
python3 scripts/robo_advisor_cli.py rebalance "当前配置股票30%债券50%现金20% 市值100万"
{
"session_id": "uuid",
"timestamp": "ISO8601",
"risk_profile": {
"risk_type": "string",
"risk_score": 0-100,
"investment_horizon": "string",
"liquidity_need": "string"
},
"asset_allocation": {
"strategic": {"stocks": "%", "bonds": "%", "alternatives": "%", "cash": "%"},
"tactical": {"stocks": "%", "bonds": "%", "alternatives": "%", "cash": "%"},
"region_allocation": {"china": "%", "hk": "%", "us": "%", "other": "%"}
},
"portfolio": {
"positions": [{"asset": "", "target_pct": "", "rationale": ""}],
"expected_return": "%",
"expected_volatility": "%",
"sharpe_ratio": 0.0,
"var_95": "%",
"max_drawdown_est": "%"
},
"rebalancing": {
"strategy": "string",
"threshold": "%",
"next_rebalance_date": "ISO8601",
"drift_alerts": [{"asset": "", "current_pct": "", "target_pct": "", "drift": ""}]
},
"compliance": {
"appropriateness": "string",
"risk_disclosure": ["string"],
"regulatory_references": ["string"]
}
}
robo_advisor_engine.py: 核心引擎，RoboAdvisorEngine 类scripts/robo_advisor_cli.py: 命令行入口wecom_integration.py: 企业微信卡片输出