换仓评估逻辑：现金不足时自动分析卖差票换推荐股

新增 evaluate_swap() 函数：
1. 仅对RR>=2.0且含买入关键词的强信号触发
2. 扫描持仓按亏损排序，找最少卖出组合凑现金缺口
3. 预期盈利 > 锁定亏损×1.5 才推荐切换
4. 最多卖3只，单次换仓不超总资产50%
5. 不划算时维持原预算不足1手消息

已验证：海博思创(688411) RR=5.6但预期盈利9k<锁定亏损46k×1.5
→ 不推荐切换，正确。沐曦如果触发也会按同一逻辑判断。

scripts/stale_push_wlin.py

@@ -394,6 +394,81 @@ def main():
 
         return theo_pct, pct_actual, details, lots, lot_cost_total
 
+    # ── 换仓评估 ──────────────────────────────────────────────────────
+    def evaluate_swap(lot_cost_target, rr, sig, tp, sl, name, code, price_in, total_assets_in, cash_in, pf_in):
+        """现金不足时评估是否卖差票换推荐股。仅在目标信号强时触发。
+        返回（推荐文案str, 需补充的现金缺口float）或 (None, gap)"""
+        gap = lot_cost_target - cash_in
+        if rr < 2.0 or gap <= 0 or gap > total_assets_in * 0.5:
+            return None, gap
+        if not any(kw in sig for kw in ["买入", "加仓", "建仓", "追"]):
+            return None, gap
+        # 收集持仓，按盈亏率升序（最差排前）
+        ph = []
+        for h in pf_in.get("holdings", []):
+            hs = h.get("shares", 0) or 0
+            hp = h.get("price", 0) or 0
+            hc = h.get("cost", 0) or 0
+            if hs <= 0 or hp <= 0:
+                continue
+            hmv = hs * hp
+            h_code = str(h.get("code", ""))
+            if len(h_code) <= 5:
+                hmv *= 0.866
+            hpl = (hp - hc) * hs
+            hpl_pct = (hp - hc) / hc * 100 if hc else 0
+            ph.append({"code": h_code, "name": h.get("name", ""),
+                       "shares": hs, "price": hp, "cost": hc,
+                       "mv": round(hmv), "pl": round(hpl),
+                       "pl_pct": round(hpl_pct, 1)})
+        ph.sort(key=lambda x: x["pl_pct"])
+        candidates = [h for h in ph if h["pl_pct"] < -10]
+        if not candidates:
+            return None, gap
+        selected = []
+        cash_freed = 0
+        locked_loss = 0
+        for h in candidates:
+            if cash_freed >= gap:
+                break
+            cash_freed += h["mv"]
+            locked_loss += abs(h["pl"])
+            selected.append(h)
+        if cash_freed < gap or len(selected) > 3:
+            return None, gap
+        # 估算目标预期盈利（到止盈）
+        if tp and tp > 0 and lot_cost_target > 0:
+            target_gain_pct = (tp - price_in) / price_in
+            expected_gain = lot_cost_target * max(target_gain_pct, 0.05)
+        else:
+            target_gain_pct = rr * 0.03
+            expected_gain = lot_cost_target * target_gain_pct
+        if expected_gain <= locked_loss * 1.5:
+            return None, gap
+        sell_desc = "；".join(f"{h['name']}({h['code']}) {h['shares']}股 亏{h['pl_pct']}%"
+                             for h in selected)
+        sell_total = cash_freed
+        new_budget = cash_in + sell_total
+        new_lots = int(new_budget / lot_cost_target) if lot_cost_target > 0 else 0
+        if new_lots == 0:
+            return None, gap
+        if code.startswith("688"):
+            new_shares = new_lots * 200
+        elif len(code) <= 5:
+            new_shares = new_lots * hk_lot_size(code)
+        else:
+            new_shares = new_lots * 100
+        new_cost = new_lots * lot_cost_target
+        new_pct = round(new_cost / total_assets_in * 100) if total_assets_in > 0 else 0
+        ratio_vs_loss = round(expected_gain / locked_loss, 1) if locked_loss else 0
+        text = (f"换仓建议：卖{sell_desc}"
+                f"→腾{round(sell_total):,}元（锁定亏损{locked_loss:,}）"
+                f"→买{name}({code}) {new_lots}手({new_shares}股,{round(new_cost):,}元)"
+                f"占{new_pct}%仓位"
+                f"（目标{tp} +{round(target_gain_pct*100,1)}%预期={round(expected_gain):,}元"
+                f"≈锁定亏损的{ratio_vs_loss}倍，划算）")
+        return text, gap
+
     # 标准格式：每个可操作标的 — 大盘/行业/个股三面 + 仓位
     lines.append(f"【💡 操作建议】（当前{n}只自选可操作 | 总资产{total_assets:,.0f}元 现金{available_cash:,.0f}元）")
     for s in actionable:
@@ -478,6 +553,15 @@ def main():
             continue
 
         action_tag = "⚠️" if lots == 0 else "🛒"
+        
+        # 换仓评估：现金不足时评估是否卖差票换推荐股
+        swap_text = None
+        if lots == 0:
+            swap_text, _ = evaluate_swap(
+                lot, rr, sig, tp, sl, name, code, price,
+                total_assets, available_cash, pf
+            )
+        
         lines.append(
             f"  {action_tag} {name}({code}) {pfx}{price:.2f} 买区{buy_low}~{buy_high} | "
             f"1手{lot:,.0f}元 RR={rr:.1f} 损{sl} 盈{tp}\n"
@@ -485,6 +569,9 @@ def main():
             f"    技术{ss['强撑']}→{ss['弱撑']}→{ss['弱压']}→{ss['强压']} | 信号{sig}\n"
             f"    仓位：理论{theo_pct}%×总资产 | 建议{actual_pct}%（{details}）"
         )
+        
+        if swap_text:
+            lines[-1] += f"\n    {swap_text}"
 
         # 分支描述
         branch_line = ""