--- name: client-engagement-market-volatility description: | 客户陪伴内容助手 - 市场波动版，专用于市场大幅波动时向客户发送陪伴内容。 以下情况请主动触发此技能： - 市场单日涨跌>2%，需要向客户发送安抚/解读内容 - 连续多日下跌，客户焦虑情绪上升 - 市场快速上涨，需要提醒客户理性看待 - 用户需要"市场点评""波动解读""安抚文案""持有信心维护"内容 - 用户准备群发内容、朋友圈文案、一对一沟通话术 输出含市场解读、情绪安抚、长期理念传递的陪伴内容。 不要等用户明确说"市场陪伴"——只要涉及市场波动时的客户安抚、解读、陪伴，就应主动启动此技能。 --- # 客户陪伴内容助手 - 市场波动版 **核心定位**：在市场大幅波动时，向客户传递理性、专业、有温度的陪伴内容，稳定客户情绪，传递长期投资理念。 **适用场景**：市场单日涨跌>2%、连续波动、极端行情 --- ## 市场波动分类 | 波动类型 | 触发条件 | 内容基调 | |---------|---------|---------| | 单日大跌 | 单日跌幅>2% | 安抚情绪 + 解读原因 + 长期理念 | | 连续下跌 | 3 日累计>5% | 深度解读 + 历史参考 + 配置建议 | | 单日大涨 | 单日涨幅>2% | 理性看待 + 风险提示 + 不追高 | | 快速上涨 | 短期累计>10% | 提醒止盈 + 估值分析 + 长期视角 | | 震荡行情 | 持续横盘震荡 | 保持耐心 + 定投建议 + 时间价值 | --- ## 内容框架 ### 核心要素（必含） 1. **市场情况说明** - 客观描述发生了什么 2. **原因解读** - 简要说明下跌/上涨原因 3. **情绪安抚** - 认可客户感受，不回避波动 4. **长期理念** - 传递长期投资、价值投资理念 5. **行动建议** - 给出具体、可操作的建议 ### 合规边界 - ❌ 不预测涨跌（"马上会反弹"） - ❌ 不承诺收益（"肯定会涨回来"） - ❌ 不制造恐慌（"赶紧跑"） - ✅ 可以说明市场背景 - ✅ 可以传递长期理念 - ✅ 可以给出配置建议 --- ## 输出模板 ### 模板 A：单日大跌安抚（微信/朋友圈） ``` 【市场波动提醒】 今日市场大幅调整，沪深 300 下跌 X%，主要受 [原因] 影响。 理解大家的焦虑，市场波动是常态，历史上类似情况多次出现。 长期来看，[核心理念：如"经济基本面未变"/"估值已处低位"]。 建议： 1. 保持冷静，不要盲目操作 2. 检视持仓，优质资产值得坚守 3. 有闲钱可考虑分批布局 市场波动期，我们与您一起坚守。 ``` ### 模板 B：连续下跌深度陪伴 ``` 【致投资者的一封信】 最近市场连续调整，很多朋友感到焦虑，这很正常。 📊 市场情况 - 近 X 日累计下跌 X% - 主要受 [因素 1]、[因素 2] 影响 - 当前估值处于历史 [分位] 📚 历史参考 - 20XX 年类似情况：下跌 X% 后，X 个月内修复 - 20XX 年：[另一个历史案例] - 结论：波动是暂时的，价值终会回归 💡 我们的建议 1. 检视持仓逻辑是否变化 2. 避免情绪化操作 3. 闲钱可分批布局优质资产 4. 做好资产配置，控制仓位 🌟 长期理念 投资是认知的变现，波动是收益的来源。 在别人恐惧时保持理性，时间会奖励耐心的人。 市场低迷期，我们与您同行。 ``` ### 模板 C：单日大涨提醒 ``` 【市场快速上涨提醒】 今日市场大幅上涨 X%，恭喜持仓的朋友！ 理性看待： - 上涨受 [原因] 推动 - 短期涨幅较大，注意波动风险 - 不建议追高加仓 建议： 1. 持仓的继续持有，享受上涨 2. 想加仓的等待回调 3. 浮盈较多的可考虑部分止盈 投资是长跑，不为一时涨跌所动。 ``` ### 模板 D：一对一沟通话术 ``` 【开场】 "XX 总，今天市场波动比较大，给您发个消息。" 【共情】 "知道您可能有些担心，这很正常，市场确实跌了不少。" 【解读】 "这次下跌主要是 [原因]，从基本面看 [分析]。" 【建议】 "我的建议是 [具体建议]，您看怎么样？" 【结尾】 "有任何问题随时联系我，我们一起应对。" ``` --- ## 高频场景专项内容 ### 场景 1：政策利空导致下跌 **内容要点**： - 说明政策内容和影响范围 - 区分短期冲击 vs 长期影响 - 强调政策底 vs 市场底的时间差 ### 场景 2：外围市场拖累 **内容要点**： - 说明外围市场情况 - 区分情绪影响 vs 实质影响 - 强调 A 股独立逻辑 ### 场景 3：经济数据不及预期 **内容要点**： - 解读数据具体内容 - 说明是周期性 vs 结构性 - 强调长期经济韧性 ### 场景 4：行业黑天鹅事件 **内容要点**： - 说明事件影响范围 - 区分行业 vs 个股 - 给出持仓检视建议 --- ## 内容创作要点 ### 语言风格 - ✅ 简洁明了，避免专业术语 - ✅ 有温度，不机械 - ✅ 真诚，不回避问题 - ❌ 避免空洞口号 - ❌ 避免过度乐观/悲观 ### 情绪管理 - 先共情，再讲理 - 认可客户感受，不否定 - 给出希望，但不承诺 ### 发送时机 - 大跌当日 16:00-18:00（收盘后） - 连续下跌第 3 天、第 5 天 - 重大事件发生后 2 小时内 --- ## 使用建议 1. **及时响应** - 市场波动后尽快发送 2. **分层发送** - 根据客户风险等级调整内容 3. **渠道适配** - 朋友圈/群发/一对一内容差异化 4. **持续跟踪** - 发送后关注客户反馈 --- Source attribution: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/archive/client-engagement-market-volatility/SKILL.md License: Apache-2.0 License information: https://www.apache.org/licenses/LICENSE-2.0 Original upstream instructions; downloaded from Mega AI Hub. ## Upstream license notice Apache License Version 2.0, January 2004 http://www.apache.org/licenses/ TERMS AND CONDITIONS FOR USE, REPRODUCTION, AND DISTRIBUTION 1. Definitions. "License" shall mean the terms and conditions for use, reproduction, and distribution as defined by Sections 1 through 9 of this document. "Licensor" shall mean the copyright owner or entity authorized by the copyright owner that is granting the License. "Legal Entity" shall mean the union of the acting entity and all other entities that control, are controlled by, or are under common control with that entity. For the purposes of this definition, "control" means (i) the power, direct or indirect, to cause the direction or management of such entity, whether by contract or otherwise, or (ii) ownership of fifty percent (50%) or more of the outstanding shares, or (iii) beneficial ownership of such entity. "You" (or "Your") shall mean an individual or Legal Entity exercising permissions granted by this License. "Source" form shall mean the preferred form for making modifications, including but not limited to software source code, documentation source, and configuration files. "Object" form shall mean any form resulting from mechanical transformation or translation of a Source form, including but not limited to compiled object code, generated documentation, and conversions to other media types. "Work" shall mean the work of authorship, whether in Source or Object form, made available under the License, as indicated by a copyright notice that is included in or attached to the work (an example is provided in the Appendix below). "Derivative Works" shall mean any work, whether in Source or Object form, that is based on (or derived from) the Work and for which the editorial revisions, annotations, elaborations, or other modifications represent, as a whole, an original work of authorship. For the purposes of this License, Derivative Works shall not include works that remain separable from, or merely link (or bind by name) to the interfaces of, the Work and Derivative Works thereof. "Contribution" shall mean any work of authorship, including the original version of the Work and any modifications or additions to that Work or Derivative Works thereof, that is intentionally submitted to Licensor for inclusion in the Work by the copyright owner or by an individual or Legal Entity authorized to submit on behalf of the copyright owner. For the purposes of this definition, "submitted" means any form of electronic, verbal, or written communication sent to the Licensor or its representatives, including but not limited to communication on electronic mailing lists, source code control systems, and issue tracking systems that are managed by, or on behalf of, the Licensor for the purpose of discussing and improving the Work, but excluding communication that is conspicuously marked or otherwise designated in writing by the copyright owner as "Not a Contribution." "Contributor" shall mean Licensor and any individual or Legal Entity on behalf of whom a Contribution has been received by Licensor and subsequently incorporated within the Work. 2. Grant of Copyright License. Subject to the terms and conditions of this License, each Contributor hereby grants to You a perpetual, worldwide, non-exclusive, no-charge, royalty-free, irrevocable copyright license to reproduce, prepare Derivative Works of, publicly display, publicly perform, sublicense, and distribute the Work and such Derivative Works in Source or Object form. 3. Grant of Patent License. Subject to the terms and conditions of this License, each Contributor hereby grants to You a perpetual, worldwide, non-exclusive, no-charge, royalty-free, irrevocable (except as stated in this section) patent license to make, have made, use, offer to sell, sell, import, and otherwise transfer the Work, where such license applies only to those patent claims licensable by such Contributor that are necessarily infringed by their Contribution(s) alone or by combination of their Contribution(s) with the Work to which such Contribution(s) was submitted. If You institute patent litigation against any entity (including a cross-claim or counterclaim in a lawsuit) alleging that the Work or a Contribution incorporated within the Work constitutes direct or contributory patent infringement, then any patent licenses granted to You under this License for that Work shall terminate as of the date such litigation is filed. 4. Redistribution. You may reproduce and distribute copies of the Work or Derivative Works thereof in any medium, with or without modifications, and in Source or Object form, provided that You meet the following conditions: (a) You must give any other recipients of the Work or Derivative Works a copy of this License; and (b) You must cause any modified files to carry prominent notices stating that You changed the files; and (c) You must retain, in the Source form of any Derivative Works that You distribute, all copyright, patent, trademark, and attribution notices from the Source form of the Work, excluding those notices that do not pertain to any part of the Derivative Works; and (d) If the Work includes a "NOTICE" text file as part of its distribution, then any Derivative Works that You distribute must include a readable copy of the attribution notices contained within such NOTICE file, excluding those notices that do not pertain to any part of the Derivative Works, in at least one of the following places: within a NOTICE text file distributed as part of the Derivative Works; within the Source form or documentation, if provided along with the Derivative Works; or, within a display generated by the Derivative Works, if and wherever such third-party notices normally appear. The contents of the NOTICE file are for informational purposes only and do not modify the License. You may add Your own attribution notices within Derivative Works that You distribute, alongside or as an addendum to the NOTICE text from the Work, provided that such additional attribution notices cannot be construed as modifying the License. You may add Your own copyright statement to Your modifications and may provide additional or different license terms and conditions for use, reproduction, or distribution of Your modifications, or for any such Derivative Works as a whole, provided Your use, reproduction, and distribution of the Work otherwise complies with the conditions stated in this License. 5. Submission of Contributions. Unless You explicitly state otherwise, any Contribution intentionally submitted for inclusion in the Work by You to the Licensor shall be under the terms and conditions of this License, without any additional terms or conditions. Notwithstanding the above, nothing herein shall supersede or modify the terms of any separate license agreement you may have executed with Licensor regarding such Contributions. 6. Trademarks. This License does not grant permission to use the trade names, trademarks, service marks, or product names of the Licensor, except as required for reasonable and customary use in describing the origin of the Work and reproducing the content of the NOTICE file. 7. Disclaimer of Warranty. Unless required by applicable law or agreed to in writing, Licensor provides the Work (and each Contributor provides its Contributions) on an "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied, including, without limitation, any warranties or conditions of TITLE, NON-INFRINGEMENT, MERCHANTABILITY, or FITNESS FOR A PARTICULAR PURPOSE. You are solely responsible for determining the appropriateness of using or redistributing the Work and assume any risks associated with Your exercise of permissions under this License. 8. Limitation of Liability. In no event and under no legal theory, whether in tort (including negligence), contract, or otherwise, unless required by applicable law (such as deliberate and grossly negligent acts) or agreed to in writing, shall any Contributor be liable to You for damages, including any direct, indirect, special, incidental, or consequential damages of any character arising as a result of this License or out of the use or inability to use the Work (including but not limited to damages for loss of goodwill, work stoppage, computer failure or malfunction, or any and all other commercial damages or losses), even if such Contributor has been advised of the possibility of such damages. 9. Accepting Warranty or Additional Liability. While redistributing the Work or Derivative Works thereof, You may choose to offer, and charge a fee for, acceptance of support, warranty, indemnity, or other liability obligations and/or rights consistent with this License. However, in accepting such obligations, You may act only on Your own behalf and on Your sole responsibility, not on behalf of any other Contributor, and only if You agree to indemnify, defend, and hold each Contributor harmless for any liability incurred by, or claims asserted against, such Contributor by reason of your accepting any such warranty or additional liability. END OF TERMS AND CONDITIONS Copyright 2026 FinClaw Contributors Licensed under the Apache License, Version 2.0 (the "License"); you may not use this file except in compliance with the License. You may obtain a copy of the License at http://www.apache.org/licenses/LICENSE-2.0 Unless required by applicable law or agreed to in writing, software distributed under the License is distributed on an "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. See the License for the specific language governing permissions and limitations under the License. # Mega AI Hub resource metadata Creator / publisher: aifinlab Original project: https://github.com/aifinlab/FinClaw/blob/9e62862d1412157fa03ffd1f0b74969dcf0ed66c/skills/archive/client-engagement-market-volatility/SKILL.md Attribution basis: Source repository record Fields of work: Marketing, Sales Roles: Business Development, Customer Success Manager, Marketing Analyst, Product Marketer, Sales Engineer Specialties: Specialty not specified Tools: Tool not specified Country applicability: Country not specified Classification basis: Source catalog labels Instruction SHA-256: 5a455db72d71672665f3f5c44ecf536100de27ff5d94928aa14730ab3f584e9f