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Insurance Loss Reserving

Name: Insurance Loss Reserving
Author: tangweigang-jpg

作者 Tang Weigang · GitHub ↗ · v0.3.2 · MIT-0

cross-platform ⚠ suspicious

106

总下载

当前安装

版本数

在 OpenClaw 中安装

/install insurance-loss-reserving

功能描述

用 chainladder-python 做精算损失准备金估算：从历史理赔三角到 IBNR 准备金、尾部参数拟合。支持再保险 / 巨灾 / 一般责任险多产品线。

使用说明 (SKILL.md)

保险损失准备金 (insurance-loss-reserving)

用 chain ladder 方法从历史理赔三角估算 IBNR 准备金——再保险、巨灾、一般责任险都能跑。

Pipeline

data_collection -> data_storage -> factor_computation -> target_selection -> trading_execution -> visualization

Top Use Cases (0 total)

Execute trigger: When user intent matches intent_router.uc_entries[].positive_terms AND user uses action verb (run/execute/跑/执行/backtest/fetch/collect)

What I'll Ask You

Target market: A-share (default), HK, or crypto? (US stocks in ZVT are half-baked — stockus_nasdaq_AAPL exists but coverage is thin)
Data source / provider: eastmoney (free, no account), joinquant (account+paid), baostock (free, good history), akshare, or qmt (broker)?
Strategy type: MACD golden-cross, MA crossover, volume breakout, fundamental screen, or custom factor?
Time range: start_timestamp and end_timestamp for backtest period
Target entity IDs: specific stocks (stock_sh_600000) or index components (SZ1000)?

Semantic Locks (Fatal)

ID	Rule	On Violation
`SL-01`	Execute sell orders before buy orders in every trading cycle	halt
`SL-02`	Trading signals MUST use next-bar execution (no look-ahead)	halt
`SL-03`	Entity IDs MUST follow format entity_type_exchange_code	halt
`SL-04`	DataFrame index MUST be MultiIndex (entity_id, timestamp)	halt
`SL-05`	TradingSignal MUST have EXACTLY ONE of: position_pct, order_money, order_amount	halt
`SL-06`	filter_result column semantics: True=BUY, False=SELL, None/NaN=NO ACTION	halt
`SL-07`	Transformer MUST run BEFORE Accumulator in factor pipeline	halt
`SL-08`	MACD parameters locked: fast=12, slow=26, signal=9	halt

Full lock definitions: references/LOCKS.md

Top Anti-Patterns (15 total)

AP-INSURANCE-001: Implicit numeric format assumptions without validation
AP-INSURANCE-002: Triangle axis construction with invalid temporal ordering
AP-INSURANCE-003: Cumulative/incremental triangle representation misuse

All 15 anti-patterns: references/ANTI_PATTERNS.md

Evidence Quality Notice

[QUALITY NOTICE] This crystal was compiled from blueprint finance-bp-063. Evidence verify ratio = 56.5% and audit fail total = 15. Generated results may have uncaptured requirement gaps. Verify critical decisions against source files (LATEST.yaml / LATEST.jsonl).

Reference Files

File	Contents	When to Load
references/seed.yaml	V6+ 全量权威 (source-of-truth)	有行为/决策争议时必读
references/ANTI_PATTERNS.md	15 条跨项目反模式	开始实现前
references/WISDOM.md	跨项目精华借鉴	架构决策时
references/CONSTRAINTS.md	domain + fatal 约束	规则冲突时
references/USE_CASES.md	全量 KUC-* 业务场景	需要完整示例时
references/LOCKS.md	SL-* + preconditions + hints	生成回测/交易代码前
references/COMPONENTS.md	AST 组件地图（按 module 拆分）	查 API 时

Compiled by Doramagic crystal-compilation-v6.1 from finance-bp-063 blueprint at 2026-04-22T13:00:20.366204+00:00. See human_summary.md for non-technical overview.

安全使用建议

This skill package is internally inconsistent: the label says 'insurance loss reserving' but most runtime instructions and reference files are for a ZVT quant-trading pipeline and include commands that install packages and manipulate ~/.zvt. Before installing or enabling this skill: 1) Ask the publisher to clarify the intended purpose and provide a corrected SKILL.md (actuarial vs trading). 2) Require an explicit install spec that lists exact packages and trusted sources (no ad-hoc pip at runtime). 3) Do NOT provide broker/API credentials (joinquant/qmt) or cloud secrets until the skill explicitly declares them and explains why they are needed. 4) If you must evaluate, run the skill in an isolated sandbox (container/VM) with no access to your real accounts or home directory. 5) Ask the author to declare required environment variables and show exactly what filesystem changes the skill will make (e.g., writes to ~/.zvt). 6) If the skill is intended to trade/execute orders, treat it with high caution — require full proof of broker integration, signing, and a safe test mode. Providing any credentials or allowing automatic installs before these clarifications would be risky.

功能分析

Type: OpenClaw Skill Name: insurance-loss-reserving Version: 0.3.2 The skill bundle exhibits a profound functional discrepancy: while the metadata, title, and anti-patterns (references/ANTI_PATTERNS.md) describe an 'insurance loss reserving' actuarial tool, the core execution logic, semantic locks (references/LOCKS.md), and human summary (human_summary.md) are entirely focused on the ZVT quant trading framework for A-shares and crypto. This 'Frankenstein' architecture—mixing actuarial constraints with stock trading instructions—suggests a high-risk or poorly constructed bundle. Although no explicit evidence of data exfiltration or malicious payloads was found, the use of prescriptive prompt instructions to manage trading cycles and execute shell commands (via uv/pip) within a fundamentally mislabeled package warrants a suspicious classification.

能力标签

cryptocan-make-purchases

能力评估

⚠ Purpose & Capability

Name and top description say 'chainladder-python' for actuarial loss reserving, but SKILL.md, human_summary.md and seed.yaml are dominated by ZVT quant-trading concepts (data recorders, MACD, trading_execution, entity_id formats) and semantic locks for trading. This mismatch suggests either a mislabeled/merged artifact or intentional misdirection: requested capabilities (trading, data recorders, pip-install of zvt, next-bar execution) do not align with a pure actuarial reserving tool.

⚠ Instruction Scope

Although there is no code, SKILL.md and seed.yaml instruct the agent to run runtime checks and commands (e.g., python import checks, pip install zvt, run zvt.recorders, read references/seed.yaml) and require reading many local reference files. The instructions reference system paths (ZVT_HOME, ~/.zvt) and tell the agent to run tooling that may install packages, create directories, and fetch external market data — which is beyond a simple 'compute loss reserves' skill and not justified by the declared metadata.

⚠ Install Mechanism

There is no formal install spec (instruction-only), but seed.yaml and SKILL.md explicitly instruct running installation commands (pip install zvt) and running recorders. That means runtime will attempt to install third-party packages with no vetted install recipe declared in the skill manifest. Instruction-driven installs are higher-risk because they run arbitrary package installs at runtime and are not surfaced in requires.install.

⚠ Credentials

The skill declares no required env vars or credentials but instructions reference and require ZVT_HOME and suggest using data providers that typically need credentials (joinquant, qmt). The skill also references writing to ~/.zvt and running recorders that may require network credentials — asking for or using such secrets is not declared in metadata, so environment/credential needs are under-specified and disproportionate to the manifest.

⚠ Persistence & Privilege

always:false (good) but the execution protocol in seed.yaml mandates re-reading seed.yaml and running precondition commands that can create directories, touch files (~/.zvt), and run pip installs. The skill would therefore modify host state at runtime (install packages, initialize data directories) despite lacking an explicit install step and without declaring elevated privileges. Combined with trading-related semantic locks (which imply external execution semantics), this broad host interaction increases risk.

如何使用

确保已安装 OpenClaw（本地或 Docker 部署）
在对话框中输入安装命令：/install insurance-loss-reserving
安装完成后，直接呼叫该 Skill 的名称或使用 /insurance-loss-reserving 触发
根据 Skill 的参数说明提供必要输入，即可获得结构化输出

版本历史

v0.3.2

v0.3.2: inject bilingual metadata per naming spec. H1 now shows 保险损失准备金 + slug; tagline and description replaced with CTO-authored copy (fixes tagline pollution for non-ZVT skills).

v0.3.1

Remove install.sh — knowledge-only bundle. Host AI consumes directly from URL; no user-side installation needed. Fixes ClawHub suspicious flag.

v0.3.0

Doramagic crystal portfolio v0.3.0. Full 5-layer bp-009 standard. github.com/tangweigang-jpg/doramagic-skills

元数据

Slug insurance-loss-reserving

版本 0.3.2

许可证 MIT-0

累计安装 0

当前安装数 0

历史版本数 3

常见问题