Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add sun-btc/biga --skill biga-dividend-skillgit clone --depth 1 https://github.com/sun-btc/bigaWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/sun-btc/biga/biga-dividend-skill)<a href="https://agentmods.dev/skills/sun-btc/biga/biga-dividend-skill"><img src="https://agentmods.dev/badge/skills/sun-btc/biga/biga-dividend-skill.svg" alt="Measured on agentmods" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00208 | $0.04674 |
| Opus 5 | $0.00104 | $0.02337 |
| Sonnet 5 | $0.00042 | $0.00935 |
| Haiku 4.5 | $0.00021 | $0.00467 |
Grade A, and why
biga-dividend-skill scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 8d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 397 lines — stays where its author put it; the contents beside it link to each section on GitHub.
股息策略分析 Skill
使用目标
使用本 skill 帮用户理解和应用“股息策略”。股息策略适合偏稳健、重视现金分红、希望降低纯题材波动的投资者，但它不等于低风险、保本或稳赚。
股息策略的核心不是“股息率越高越好”，而是寻找：
现金流稳定 + 分红稳定 + 估值不太高 + 行业地位强 + 波动相对可控
重要提示：所有输出都应定位为投资教育和研究框架，不构成任何直接投资建议，不承诺收益，不替用户做买卖决策。
触发场景
当用户提出以下问题时，使用本 skill：
- 分析“股息策略”“红利策略”“高股息策略”“红利低波策略”。
- 询问银行、运营商、电力、煤炭、高速公路、公用事业、央企蓝筹等分红方向。
- 想用偏稳健方式配置能分红、现金流相对稳定的资产。
- 想判断一只高股息股票能不能买、是否是高股息陷阱。
- 要求生成高股息股票筛选清单、红利 ETF 筛选框架、分红可持续性分析模板。
- 想比较银行、煤炭、运营商、电力等红利方向的收益来源和风险。
- 想知道股息率、分红率、经营现金流、自由现金流、负债和行业衰退风险怎么判断。
- 想建立股息组合的买入前核验、持有中跟踪、降仓或退出规则。
回答原则
- 先看风险，再讲分红。股息资产也会下跌，高股息率可能来自股价大跌或盈利不可持续。
- 先看现金流和分红质量，再看股息率。不要把股息率当成唯一指标。
- 对新人或稳健型用户，优先使用组合化、行业分散、红利 ETF 或低集中度框架。
- 不直接输出“必买”“稳赚”“保本”“可以满仓”等结论。
- 如果用户要求具体股票推荐，转为研究框架、筛选条件、风险等级和需核验数据清单。
- 如果用户只提供股息率，应说明信息不足，需要补充分红率、经营现金流、自由现金流、负债、盈利周期和行业景气。
- 对周期行业高股息要特别谨慎，区分“周期高点的高分红”和“长期稳定现金流”。
- 分析必须同时覆盖分红稳定性、现金流覆盖、盈利可持续性、估值、安全边际、负债和行业周期。
股息策略的核心逻辑
股息策略主要看以下问题：
- 公司是否长期产生稳定经营现金流。
- 分红是否来自真实经营现金流，而不是举债、卖资产或一次性收益。
- 分红历史是否稳定，是否有连续分红和稳定提升的记录。
- 当前股息率是否可持续，还是由股价大跌被动抬高。
- 分红率是否合理，是否透支未来资本开支和经营需要。
- 公司是否处在行业衰退或周期高点。
- 估值是否合理，是否已经因“高股息”被市场充分定价。
- 行业地位、监管环境和商业模式是否支持长期现金回报。
股息策略买的不是“高数字”，而是现金流可持续、分红政策可信、估值有安全边际的企业或组合。
常见方向与观察指标
| 方向 | 股息来源 | 关键观察指标 | 主要风险 |
|---|---|---|---|
| 银行 | 利差收入、信贷规模、资本充足 | 净息差、不良率、拨备覆盖率、资本充足率、分红率、PB | 净息差下行、地产与地方债风险、资产质量恶化 |
| 运营商 | 通信基础设施、政企与云业务、稳定现金流 | ARPU、用户规模、资本开支、自由现金流、分红政策 | 增长放缓、资本开支上升、政策定价约束 |
| 电力 | 发电资产、利用小时、电价机制 | 电价、煤价/燃料成本、装机结构、利用小时、资本开支 | 煤价波动、电价政策、绿电消纳、负债较高 |
| 煤炭 | 资源品价格、产量、成本优势 | 煤价、长协比例、成本曲线、储量、分红率 | 周期高点利润不可持续、政策调控、需求下行 |
| 高速公路 | 通行费、稳定车流、特许经营 | 车流量、收费期限、扩建资本开支、分红率 | 收费期限缩短、政策调整、增长空间有限 |
| 公用事业 | 水务、燃气、环保等刚需服务 | 价格机制、回款、资本开支、负债率、监管政策 | 定价受管制、回款压力、资本开支高 |
| 央企蓝筹 | 稳定主业、分红政策、市值管理 | ROE、现金流、分红承诺、治理、估值 | 行业周期、政策目标与股东回报不完全一致 |
高股息筛选清单
分析高股息股票或红利 ETF 时，按以下清单逐项检查。
分红稳定性
- 是否连续多年分红。
- 股息率是否大幅波动，波动原因是什么。
- 分红金额是否随盈利和现金流稳定增长。
- 是否存在一次性特别分红，不能把一次性分红外推为长期收益。
- 管理层是否有清晰、稳定、可信的分红政策。
现金流质量
- 经营现金流是否长期为正。
- 经营现金流是否能覆盖净利润和分红。
- 自由现金流是否能覆盖现金分红。
- 分红是否依赖举债、卖资产或投资收益。
- 应收账款、合同资产、存货是否异常增长，侵蚀现金流质量。
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 8d ago First seen · 397 lines · 208 tokens per session scan A 7225bab027cd
biga-dividend-skill is a skill published in the GitHub repository sun-btc/biga (5 stars, last pushed 3mo ago), licensed MIT. It adds 208 tokens to every session and 4,674 once invoked, about $0.0010 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
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