6维评分通用模块 + 港股通T+2延迟标注

1. stock_scorer.py — 共享的6维评分模块
   - score_future_outlook(code, data) → (score, reasons)
   - rank_by_outlook(holdings, data) → 排序列表
   - settlement_delay_note(sell_code, buy_code) → 结算延迟说明
   - is_hk_stock(code) → 判断港股通标的

2. stale_push_wlin.py 改用共享模块（去掉本地函数定义）

3. 换仓评估增加港股通结算延迟检测：
   - 卖港股→买A股时标注⚠️T+2到账限制
   - 本次推荐（招商银行+A股→海博思创）无需标注，全是A股

scripts/stale_push_wlin.py

@@ -23,6 +23,9 @@ try:
     from urllib.request import Request, urlopen
 except ImportError:
     from urllib2 import Request, urlopen
+# 6维评分系统
+sys.path.insert(0, "/home/hmo/MoFin/scripts")
+from stock_scorer import score_future_outlook, is_hk_stock, settlement_delay_note
 
 XMPP_BRIDGE = "http://127.0.0.1:5805/"
 XMPP_USER = "hmo@yoin.fun"
@@ -395,80 +398,7 @@ def main():
         return theo_pct, pct_actual, details, lots, lot_cost_total
 
     # ── 换仓评估 ──────────────────────────────────────────────────────
-    def score_future_outlook(code_in, h_data, cd_in):
-        """基于决策系统已有的分析数据，评估持仓的未来前景评分。
-        
-        评分越低（负数越大）= 前景越差，越值得考虑卖出。
-        评分越高（正数越大）= 前景越好，应该保留。
-        
-        考虑维度（按重要度排序）：
-        1. timing_signal — 决策系统输出的主信号
-        2. 技术形态 — bearish/bullish/neutral
-        3. 量价关系 — 买卖盘主导
-        4. 行业背景 — 板块强弱
-        5. 盈亏比RR — 预期收益/风险
-        6. 股票类别 — 蓝筹/深套/题材
-        """
-        d = cd_in.get(code_in, {})
-        if not d:
-            return -999  # 无数据=前景未知，保守视为差
-        
-        score = 0
-        reasons = []
-        
-        # 1. timing_signal — 最直接的信号
-        signal = (d.get('timing_signal') or '').strip()
-        if '买入' in signal or '加仓' in signal:
-            score += 3
-            reasons.append('有买入信号')
-        elif '深套持有' in signal or '弱势持有' in signal:
-            score -= 2
-            reasons.append('深套/弱势持有')
-        elif signal in ('持有', '') or not signal:
-            score -= 0.5  # 中性偏弱（没有积极信号就是消极信号）
-            reasons.append('无积极信号')
-        
-        # 2. 技术形态
-        tech = (d.get('tech_snapshot') or '') or ''
-        if '/bearish' in tech:
-            score -= 1.5
-            reasons.append('技术偏空')
-        elif '/bullish' in tech:
-            score += 1.5
-            reasons.append('技术偏多')
-        
-        # 3. 量价关系
-        if '主动卖盘占优' in tech:
-            score -= 1
-            reasons.append('卖盘主导')
-        elif '主动买盘占优' in tech:
-            score += 1
-            reasons.append('买盘主导')
-        
-        # 4. 行业背景（大跌/大涨）
-        sector = (d.get('sector_context') or '') or ''
-        if '大跌' in sector or '偏弱' in sector:
-            score -= 0.5
-        if '大涨' in sector or '偏强' in sector:
-            score += 0.5
-        
-        # 5. 盈亏比RR
-        rr = d.get('rr_ratio', 0) or 0
-        if rr >= 2:
-            score += 1
-            reasons.append(f'RR{rr:.1f}≥2')
-        elif rr < 1:
-            score -= 0.5
-            reasons.append(f'RR{rr:.1f}<1')
-        
-        # 6. 股票类别
-        cat = (d.get('stock_category') or '') or ''
-        if '蓝筹' in cat or '白马' in cat:
-            score += 0.5
-        elif '深套' in cat or '弱势' in cat:
-            score -= 0.5
-        
-        return round(score, 1)
+    # score_future_outlook 从 stock_scorer 模块导入（6维评分）
     
     def evaluate_swap(lot_cost_target, rr, sig, tp, sl, name, code, price_in,
                       total_assets_in, cash_in, pf_in, cd_in):
@@ -476,8 +406,9 @@ def main():
         
         核心逻辑：
         - 已发生的亏损是沉没成本，不参与决策
-        - 用"全面分析"法评估每个持仓的未来前景（基于决策系统既有数据）
+        - 用6维评分法评估每个持仓的未来前景（基于决策系统既有数据）
         - 优先卖前景最差的票，保留前景好的票（无论当前盈亏%）
+        - 卖港股→买A股需T+2到账，如果推荐此方案则标注延迟风险
         - 对目标票(RR>=3+买入信号)才有换仓资格
         
         返回（推荐文案str, 缺口float）或 (None, gap)
@@ -503,8 +434,8 @@ def main():
                 hmv *= 0.866  # approximate HKD→CNY
             hpl_pct = (hp - hc) / hc * 100 if hc else 0
             
-            # 全面评分（越低越差，越建议卖）
-            fscore = score_future_outlook(h_code, h, cd_in)
+            # 6维全面评分（越低越差，越建议卖）
+            fscore, _ = score_future_outlook(h_code, cd_in)
             
             ph.append({
                 "code": h_code,
@@ -549,17 +480,22 @@ def main():
             target_gain_pct = rr * 3
         
         # 构建推荐文案
+        buy_is_a = not is_hk_stock(code)  # 目标是否是A股
         sell_parts = []
         sell_names = []
+        settlement_warnings = []
         for h in selected:
             # 每个被选股票配一句"为什么卖它"
-            reason = f"前景评分{h['score']}"
+            reason = f"评分{h['score']}"
             if h['pl_pct'] <= -30:
                 reason += "深套"
             elif h['pl_pct'] <= -15:
                 reason += f"亏损{h['pl_pct']}%"
             sell_parts.append(f"{h['name']}({h['code']}) {h['shares']}股 亏{h['pl_pct']}% ({reason})")
             sell_names.append(h['name'])
+            # 检查结算延迟：卖港股→买A股
+            if is_hk_stock(h['code']) and buy_is_a:
+                settlement_warnings.append(f"{h['name']}是港股通，卖出需T+2到账才能买A股")
         sell_desc = "；".join(sell_parts)
         
         new_budget = cash_in + cash_freed
@@ -583,10 +519,12 @@ def main():
             f"（止损{sl}(-{round((price_in-sl)/price_in*100,1)}%)"
             f"止盈{tp}(+{round(target_gain_pct,1)}%)"
             f" RR={rr}）\n"
-            f"    理由：{', '.join(sell_names)}前景评分最低，"
+            f"    理由：{', '.join(sell_names)}评分最低，"
             f"继续持有无积极信号且技术偏弱；"
             f"换到有明确信号和止损的标的，预期收益更优。"
         )
+        if settlement_warnings:
+            text += "\n    ⚠️ " + " | ".join(settlement_warnings)
         return text, gap
 
     # 标准格式：每个可操作标的 — 大盘/行业/个股三面 + 仓位