227 lines
9.7 KiB
TypeScript
Executable File
227 lines
9.7 KiB
TypeScript
Executable File
/**
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* dividend.ts
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* 股息分析模块（适配 finance skill）
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* 移植原版评分逻辑：安全评分 / CAGR / 连续增长年数 / 派息可持续性
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*/
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import ZAI from "z-ai-web-dev-sdk";
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import { DividendAnalysis, PayoutStatus, IncomeRating } from "./types";
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// ── 核心评分逻辑（与原版完全一致）──────────────────────────
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function calcPayoutStatus(payoutRatio: number | null): PayoutStatus {
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if (payoutRatio === null) return "unknown";
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if (payoutRatio < 40) return "safe";
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if (payoutRatio < 60) return "moderate";
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if (payoutRatio < 80) return "high";
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return "unsustainable";
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}
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function calcSafetyScore(data: {
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payoutRatio: number | null;
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dividendGrowth5y: number | null;
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consecutiveYears: number | null;
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dividendYield: number | null;
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}): { score: number; factors: string[] } {
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let score = 50;
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const factors: string[] = [];
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// 派息率（±20）
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if (data.payoutRatio !== null) {
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if (data.payoutRatio < 40) { score += 20; factors.push(`派息率健康（${data.payoutRatio.toFixed(0)}%）`); }
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else if (data.payoutRatio < 60) { score += 10; factors.push(`派息率适中（${data.payoutRatio.toFixed(0)}%）`); }
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else if (data.payoutRatio < 80) { score -= 10; factors.push(`派息率偏高（${data.payoutRatio.toFixed(0)}%）`); }
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else { score -= 20; factors.push(`派息率不可持续（${data.payoutRatio.toFixed(0)}%）`); }
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}
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// 5年增长率（±15）
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if (data.dividendGrowth5y !== null) {
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if (data.dividendGrowth5y > 10) { score += 15; factors.push(`股息增长强劲（${data.dividendGrowth5y.toFixed(1)}% CAGR）`); }
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else if (data.dividendGrowth5y > 5) { score += 10; factors.push(`股息增长良好（${data.dividendGrowth5y.toFixed(1)}% CAGR）`); }
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else if (data.dividendGrowth5y > 0) { score += 5; factors.push(`股息小幅增长（${data.dividendGrowth5y.toFixed(1)}% CAGR）`); }
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else { score -= 15; factors.push(`股息下降（${data.dividendGrowth5y.toFixed(1)}% CAGR）`); }
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}
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// 连续增长年数（±15）
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if (data.consecutiveYears !== null) {
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if (data.consecutiveYears >= 25) { score += 15; factors.push(`股息贵族（连续${data.consecutiveYears}年增长）`); }
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else if (data.consecutiveYears >= 10) { score += 10; factors.push(`长期稳定股息（${data.consecutiveYears}年）`); }
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else if (data.consecutiveYears >= 5) { score += 5; factors.push(`股息稳定（${data.consecutiveYears}年）`); }
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}
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// 高收益率风险（-10）
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if (data.dividendYield !== null) {
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if (data.dividendYield > 8) { score -= 10; factors.push(`收益率过高（${data.dividendYield.toFixed(1)}%），需核实可持续性`); }
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else if (data.dividendYield < 1) { factors.push(`收益率偏低（${data.dividendYield.toFixed(2)}%）`); }
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}
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return { score: Math.max(0, Math.min(100, score)), factors };
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}
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function calcIncomeRating(safetyScore: number): IncomeRating {
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if (safetyScore >= 80) return "excellent";
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if (safetyScore >= 60) return "good";
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if (safetyScore >= 40) return "moderate";
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return "poor";
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}
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// ── 通过 finance skill 获取股息数据 ──────────────────────
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async function fetchDividendData(ticker: string): Promise<Record<string, any>> {
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const zai = await ZAI.create();
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const completion = await zai.chat.completions.create({
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messages: [{
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role: "user",
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content: `请查询 ${ticker} 的股息数据，只返回 JSON，包含：
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name（公司名称）, currentPrice（当前股价）,
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dividendYield（年化股息率%）, annualDividend（年度每股股息）,
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trailingEps（过去12月每股收益）,
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exDividendDate（除权日 YYYY-MM-DD 格式）,
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paymentFrequency（"monthly"/"quarterly"/"annual"，根据派息频率判断）,
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dividendHistory（近5年年度股息数组，每项含 year 和 total，从新到旧排序）,
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consecutiveYears（连续股息增长年数，整数）,
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dividendGrowth5y（近5年股息 CAGR %）。
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缺失字段填 null，不得捏造。`,
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}],
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thinking: { type: "disabled" },
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});
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const raw = completion.choices[0]?.message?.content ?? "{}";
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return JSON.parse(raw.replace(/```json|```/g, "").trim());
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}
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// ── 主分析函数 ────────────────────────────────────────────
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export async function analyzeDividend(ticker: string): Promise<DividendAnalysis> {
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ticker = ticker.toUpperCase();
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let raw: Record<string, any> = {};
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try {
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raw = await fetchDividendData(ticker);
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} catch (err: any) {
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return {
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ticker, name: ticker, currentPrice: null,
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dividendYield: null, annualDividend: null,
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payoutRatio: null, payoutStatus: "unknown",
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dividendGrowth5y: null, consecutiveYears: null,
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exDividendDate: null, paymentFrequency: null,
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safetyScore: 0, safetyFactors: [`数据获取失败：${err.message}`],
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incomeRating: "poor", dividendHistory: [],
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summary: `${ticker} 股息数据获取失败。`,
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};
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}
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// 无股息
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if (!raw.annualDividend || raw.annualDividend === 0) {
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return {
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ticker, name: raw.name ?? ticker,
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currentPrice: raw.currentPrice ?? null,
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dividendYield: null, annualDividend: null,
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payoutRatio: null, payoutStatus: "no_dividend",
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dividendGrowth5y: null, consecutiveYears: null,
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exDividendDate: null, paymentFrequency: null,
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safetyScore: 0, safetyFactors: ["该股票不派息"],
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incomeRating: "no_dividend", dividendHistory: [],
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summary: `${ticker} 目前不派发股息。`,
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};
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}
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// 计算派息率
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const payoutRatio = (raw.trailingEps && raw.trailingEps > 0 && raw.annualDividend)
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? parseFloat(((raw.annualDividend / raw.trailingEps) * 100).toFixed(1))
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: null;
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const payoutStatus = calcPayoutStatus(payoutRatio);
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const { score: safetyScore, factors: safetyFactors } = calcSafetyScore({
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payoutRatio,
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dividendGrowth5y: raw.dividendGrowth5y ?? null,
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consecutiveYears: raw.consecutiveYears ?? null,
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dividendYield: raw.dividendYield ?? null,
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});
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const incomeRating = calcIncomeRating(safetyScore);
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// 生成摘要
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const parts: string[] = [];
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if (raw.dividendYield) parts.push(`收益率 ${Number(raw.dividendYield).toFixed(2)}%`);
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if (payoutRatio) parts.push(`派息率 ${payoutRatio.toFixed(0)}%`);
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if (raw.dividendGrowth5y) parts.push(`5年增长 ${Number(raw.dividendGrowth5y) > 0 ? "+" : ""}${Number(raw.dividendGrowth5y).toFixed(1)}%`);
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if (raw.consecutiveYears && raw.consecutiveYears >= 5) parts.push(`连续增长 ${raw.consecutiveYears} 年`);
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const ratingLabel: Record<IncomeRating, string> = {
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excellent: "优秀", good: "良好", moderate: "一般", poor: "较差", no_dividend: "无股息",
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};
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return {
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ticker,
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name: raw.name ?? ticker,
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currentPrice: raw.currentPrice ?? null,
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dividendYield: raw.dividendYield ? Number(Number(raw.dividendYield).toFixed(2)) : null,
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annualDividend: raw.annualDividend ?? null,
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payoutRatio,
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payoutStatus,
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dividendGrowth5y: raw.dividendGrowth5y ? Number(Number(raw.dividendGrowth5y).toFixed(2)) : null,
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consecutiveYears: raw.consecutiveYears ?? null,
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exDividendDate: raw.exDividendDate ?? null,
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paymentFrequency: raw.paymentFrequency ?? null,
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safetyScore,
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safetyFactors,
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incomeRating,
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dividendHistory: raw.dividendHistory ?? [],
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summary: `${ticker}（${raw.name ?? ""}）：${parts.join("，")}。评级：${ratingLabel[incomeRating]}`,
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};
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}
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// ── 格式化输出（Markdown 仪表盘）─────────────────────────
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export function formatDividendMarkdown(analysis: DividendAnalysis): string {
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if (analysis.incomeRating === "no_dividend") {
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return `### 💰 股息分析 · ${analysis.ticker}\n\n该股票目前不派发股息。`;
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}
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const ratingEmoji: Record<IncomeRating, string> = {
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excellent: "🏆", good: "✅", moderate: "⚠️", poor: "❌", no_dividend: "—",
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};
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const payoutLabel: Record<string, string> = {
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safe: "✅ 安全", moderate: "⚠️ 适中", high: "⚠️ 偏高", unsustainable: "❌ 不可持续", unknown: "暂缺",
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};
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let md = `### 💰 股息分析 · ${analysis.ticker}（${analysis.name}）
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| 指标 | 数值 |
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|------|------|
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| 股息收益率 | ${analysis.dividendYield ? `${analysis.dividendYield}%` : "暂缺"} |
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| 年度每股股息 | ${analysis.annualDividend ? `$${analysis.annualDividend}` : "暂缺"} |
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| 派息频率 | ${analysis.paymentFrequency ?? "暂缺"} |
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| 除权日 | ${analysis.exDividendDate ?? "暂缺"} |
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| 派息率 | ${analysis.payoutRatio ? `${analysis.payoutRatio}%（${payoutLabel[analysis.payoutStatus]}）` : "暂缺"} |
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| 5年股息增长 | ${analysis.dividendGrowth5y ? `${analysis.dividendGrowth5y > 0 ? "+" : ""}${analysis.dividendGrowth5y}%` : "暂缺"} |
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| 连续增长年数 | ${analysis.consecutiveYears ?? "暂缺"} |
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**安全评分：${analysis.safetyScore}/100 ${ratingEmoji[analysis.incomeRating]} 收入评级：${analysis.incomeRating.toUpperCase()}**
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评分依据：
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${analysis.safetyFactors.map((f) => `- ${f}`).join("\n")}
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`;
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if (analysis.dividendHistory.length > 0) {
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md += `\n近年股息历史：\n`;
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md += analysis.dividendHistory.slice(0, 5).map((h) => `- ${h.year}年：$${h.total}`).join("\n");
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}
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return md;
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}
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// ── 批量分析 ──────────────────────────────────────────────
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export async function analyzeDividends(tickers: string[]): Promise<DividendAnalysis[]> {
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const results: DividendAnalysis[] = [];
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for (const ticker of tickers) {
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results.push(await analyzeDividend(ticker));
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await new Promise((r) => setTimeout(r, 200));
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}
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return results;
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}
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