diff --git a/scripts/generate_report.py b/scripts/generate_report.py
new file mode 100644
index 00000000..cc85326a
--- /dev/null
+++ b/scripts/generate_report.py
@@ -0,0 +1,127 @@
+#!/usr/bin/env python3
+"""
+generate_report.py — 模板报告生成器 v2
+流程: 代码采集数据 → 构建所有数据段 → 填入模板 → 输出预填模板+参数表
+用法: python3 generate_report.py <report_type>
+
+LLM只写分析文本，所有数字由代码保障。
+"""
+
+import sys, json, subprocess, re
+from pathlib import Path
+
+SCRIPTS_DIR = Path(__file__).parent
+TEMPLATES_DIR = SCRIPTS_DIR.parent / "templates"
+
+def get_report_data():
+    r = subprocess.run(["python3", str(SCRIPTS_DIR / "prepare_report_data.py")], capture_output=True, text=True, timeout=30)
+    if r.returncode != 0:
+        print(f"ERROR: {r.stderr}", file=sys.stderr)
+        sys.exit(1)
+    return json.loads(r.stdout)
+
+def fill_template(text: str, data: dict) -> str:
+    def replacer(m):
+        full_key = m.group(1)
+        # 分离key和format spec
+        if ":" in full_key:
+            key, fmt = full_key.split(":", 1)
+        else:
+            key, fmt = full_key, ""
+        parts = key.split(".")
+        val = data
+        try:
+            for p in parts:
+                val = val[p]
+            if val is None:
+                return "N/A"
+            if fmt:
+                try:
+                    return format(val, fmt)
+                except:
+                    return str(val)
+            if isinstance(val, float):
+                return f"{val:.2f}" if abs(val) < 10000 else f"{val:.0f}"
+            return str(val)
+        except (KeyError, TypeError):
+            return f"【缺失:{full_key}】"
+    return re.sub(r'\{([^}]+)\}', replacer, text)
+
+def build_holdings_table(data) -> str:
+    """生成持仓明细表"""
+    h = data["portfolio"]["holdings"]
+    if not h:
+        return "（空仓）"
+    lines = []
+    for stk in h:
+        lines.append(f"  {stk['code']} {stk['name']} {stk['shares']}股 {stk['price_display']} {stk['mv_display']} {stk['pnl_pct']:+.2f}%")
+    return "\n".join(lines)
+
+def build_risk_holdings(data) -> str:
+    """浮亏>20%的持仓"""
+    h = data["portfolio"]["holdings"]
+    risk = [s for s in h if s["pnl_pct"] < -20]
+    if not risk:
+        return "无"
+    lines = []
+    for s in risk:
+        lines.append(f"🔴 {s['code']} {s['name']} {s['pnl_pct']:+.2f}% {s['price_display']}")
+    return "\n".join(lines)
+
+def build_cash_source(data) -> str:
+    """现金来源追溯"""
+    logs = data.get("cash_history", [])
+    if not logs:
+        return "无记录"
+    latest = logs[0]
+    return f"{latest['note']} (验证:{'✅' if latest['verified'] else '❌'})"
+
+def build_sections(data) -> dict:
+    """构建所有动态段"""
+    return {
+        "HOLDINGS_TABLE": build_holdings_table(data),
+        "HOLDINGS_RISK": build_risk_holdings(data),
+        "CASH_SOURCE": build_cash_source(data),
+        "CASH_AMOUNT": f"{data['portfolio']['cash']:.0f}",
+        "TOTAL_ASSETS": f"{data['portfolio']['total_assets']:.0f}",
+        "POSITION_PCT": f"{data['portfolio']['position_pct']}",
+        "STOCK_VALUE": f"{data['portfolio']['stock_value_cny']:.0f}",
+        "HOLDINGS_COUNT": str(data['portfolio']['holdings_count']),
+        "GENERATED_AT": data['_meta']['generated_at'],
+        "HK_RATE": str(data['portfolio']['hk_rate']),
+    }
+
+def main():
+    report_type = sys.argv[1] if len(sys.argv) > 1 else "intraday_monitor"
+    
+    data = get_report_data()
+    sections = build_sections(data)
+    
+    # 读模板
+    template_path = TEMPLATES_DIR / f"{report_type}.txt"
+    if not template_path.exists():
+        print(f"ERROR: 模板 {template_path} 不存在", file=sys.stderr)
+        sys.exit(1)
+    template = template_path.read_text(encoding="utf-8")
+    
+    # 先填大段占位符 {SECTION_NAME}（全大写），再填简单占位符 {xxx.yyy}
+    filled = template
+    for key, val in sections.items():
+        filled = filled.replace(f"{{{key}}}", val)
+    filled = fill_template(filled, data)
+    
+    # 输出
+    print(filled)
+    print()
+    # 参数表附在最后供LLM参考
+    print("【参 | 代码采集 | LLM不得修改】")
+    param_table = {
+        "portfolio": {k: data["portfolio"][k] for k in ["total_assets","cash","frozen_cash","stock_value_cny","position_pct","holdings_count","hk_rate"]},
+        "market": {k: data["market"][k] for k in ["sh_index","sz_index","sh_change","sz_change","advance_decline_ratio","mood"]},
+        "cash_source": sections["CASH_SOURCE"],
+        "data_integrity": data["_meta"]["data_integrity"],
+    }
+    print(json.dumps(param_table, ensure_ascii=False, indent=2))
+
+if __name__ == "__main__":
+    main()
diff --git a/scripts/prepare_report_data.py b/scripts/prepare_report_data.py
new file mode 100644
index 00000000..91d2856c
--- /dev/null
+++ b/scripts/prepare_report_data.py
@@ -0,0 +1,139 @@
+#!/usr/bin/env python3
+"""
+prepare_report_data.py — 为所有报告模板提供结构化参数值
+输出JSON，每个字段有来源标注，LLM只读不修改
+用法: python3 prepare_report_data.py [--report-type intraday|strategy|self-buy]
+"""
+
+import sqlite3, json, sys, subprocess, re, os
+from pathlib import Path
+from datetime import datetime
+
+DB = Path("/home/hmo/MoFin/data/mofin.db")
+HK_RATE_SCRIPT = Path("/home/hmo/MoFin/scripts/hk_rate.py")
+
+def get_hk_rate() -> float:
+    r = subprocess.run(["python3", str(HK_RATE_SCRIPT)], capture_output=True, text=True, timeout=10)
+    m = re.search(r"[\d.]+$", r.stdout.strip())
+    return float(m.group()) if m else 0.93
+
+def get_portfolio(db, hk_rate):
+    """总资产/现金/仓位 — 来源: portfolio_summary + holdings实时计算"""
+    r = db.execute("SELECT cash, frozen_cash FROM portfolio_summary WHERE id=1").fetchone()
+    cash, frozen = (r["cash"] or 0), (r["frozen_cash"] or 0)
+    
+    total_hkd_mv = 0.0
+    total_cny_mv = 0.0
+    holdings = []
+    for r in db.execute("""
+        SELECT code, name, shares, price, currency, market_value, cost 
+        FROM holdings WHERE is_active=1 AND (shares>0 OR shares IS NULL)
+        ORDER BY currency, code
+    """):
+        shares = r["shares"] or 0
+        if shares == 0:
+            continue
+        cur = r["currency"] or "CNY"
+        price = r["price"] or 0
+        mv = r["market_value"] or (shares * price)
+        cost_total = (r["cost"] or 0) * shares
+        pnl = mv - cost_total
+        pnl_pct = ((price / (r["cost"] or price)) - 1) * 100 if r["cost"] and r["cost"] > 0 else 0
+        
+        mv_cny = mv * hk_rate if cur == "HKD" else mv
+        if cur == "HKD":
+            total_hkd_mv += mv
+        else:
+            total_cny_mv += mv_cny
+        
+        holdings.append({
+            "code": r["code"],
+            "name": r["name"],
+            "shares": shares,
+            "price": round(price, 2),
+            "currency": cur,
+            "price_display": f"HK${price:.2f}" if cur == "HKD" else f"CNY${price:.2f}",
+            "mv": round(mv, 2),
+            "mv_display": f"HK${mv:.2f}" if cur == "HKD" else f"CNY${mv:.2f}",
+            "pnl_pct": round(pnl_pct, 2),
+            "pnl_amount": round(pnl, 2),
+        })
+    
+    stock_value_cny = total_cny_mv + total_hkd_mv * hk_rate
+    total_cash = cash + frozen
+    total_assets = stock_value_cny + total_cash
+    position_pct = (stock_value_cny / total_assets * 100) if total_assets > 0 else 0
+    
+    return {
+        "cash": round(cash, 0),
+        "frozen_cash": round(frozen, 0),
+        "total_cash": round(total_cash, 0),
+        "stock_value_cny": round(stock_value_cny, 2),
+        "total_assets": round(total_assets, 2),
+        "position_pct": round(position_pct, 1),
+        "currency": "CNY",
+        "hk_rate": hk_rate,
+        "holdings": holdings,
+        "holdings_count": len(holdings),
+        "source": "portfolio_summary + holdings实时计算",
+        "updated_at": datetime.now().strftime("%Y-%m-%d %H:%M:%S"),
+    }
+
+def get_market(db):
+    """大盘数据 — 来源: market_snapshots"""
+    r = db.execute("SELECT * FROM market_snapshots ORDER BY id DESC LIMIT 1").fetchone()
+    if not r:
+        return {"error": "无市场数据"}
+    d = dict(r)
+    return {
+        "sh_index": d.get("sh_index", 0),
+        "sz_index": d.get("sz_index", 0),
+        "sh_change": d.get("sh_change_pct", 0),
+        "sz_change": d.get("sz_change_pct", 0),
+        "turnover": d.get("turnover", 0),
+        "advance_decline_ratio": d.get("advance_decline_ratio", 0),
+        "mood": d.get("mood", "unknown"),
+        "snapshot_time": d.get("snapshot_time", ""),
+        "source": "market_snapshots DB",
+    }
+
+def get_cash_history(db):
+    """现金变动历史 — 来源: cash_log"""
+    logs = []
+    for r in db.execute("SELECT * FROM cash_log ORDER BY id DESC LIMIT 5"):
+        logs.append({
+            "id": r["id"],
+            "timestamp": r["timestamp"],
+            "cash": r["cash_after"],
+            "change": r["cash_after"] - r["cash_before"],
+            "source": r["source"],
+            "note": r["note"],
+            "verified": bool(r["verified"]),
+        })
+    return logs
+
+def main():
+    report_type = "intraday"
+    if len(sys.argv) > 1 and sys.argv[1].startswith("--"):
+        report_type = sys.argv[1].split("=")[-1] if "=" in sys.argv[1] else sys.argv[1].lstrip("-")
+    
+    db = sqlite3.connect(str(DB))
+    db.row_factory = sqlite3.Row
+    hk_rate = get_hk_rate()
+    
+    data = {
+        "_meta": {
+            "report_type": report_type,
+            "generated_at": datetime.now().strftime("%Y-%m-%d %H:%M:%S"),
+            "data_integrity": "所有数值由代码从DB获取，LLM不得修改",
+        },
+        "portfolio": get_portfolio(db, hk_rate),
+        "market": get_market(db),
+        "cash_history": get_cash_history(db),
+    }
+    
+    print(json.dumps(data, ensure_ascii=False, indent=2))
+    db.close()
+
+if __name__ == "__main__":
+    main()
diff --git a/templates/closing_brief.txt b/templates/closing_brief.txt
new file mode 100644
index 00000000..00e0dfc6
--- /dev/null
+++ b/templates/closing_brief.txt
@@ -0,0 +1,19 @@
+═══════════════════════════════════════
+知微 收盘简报 | {GENERATED_AT}
+═══════════════════════════════════════
+
+【数据面板 — 代码采集，LLM不得修改】
+
+现金 {CASH_AMOUNT} CNY | 冻结 {portfolio.frozen_cash} CNY
+持仓市值 {STOCK_VALUE} CNY | 总资产 {TOTAL_ASSETS} CNY
+仓位 {POSITION_PCT}% | 持仓 {HOLDINGS_COUNT} 只
+
+现金来源: {CASH_SOURCE}
+
+持仓明细:
+{HOLDINGS_TABLE}
+
+⚠️ 浮亏>20%:
+{HOLDINGS_RISK}
+
+═══════════════════════════════════════
diff --git a/templates/intraday_monitor.txt b/templates/intraday_monitor.txt
new file mode 100644
index 00000000..da0e4914
--- /dev/null
+++ b/templates/intraday_monitor.txt
@@ -0,0 +1,22 @@
+═══════════════════════════════════════
+MoFin 盘中监控 | {GENERATED_AT}
+═══════════════════════════════════════
+
+【数据面板 — 代码采集，LLM不得修改】
+
+大盘: 上证 {market.sh_index} ({market.sh_change:+.2f}%) | 深证 {market.sz_index} ({market.sz_change:+.2f}%)
+涨跌比 {market.advance_decline_ratio} | 情绪 {market.mood}
+
+现金 {CASH_AMOUNT} CNY | 冻结 {portfolio.frozen_cash} CNY
+持仓市值 {STOCK_VALUE} CNY | 总资产 {TOTAL_ASSETS} CNY
+仓位 {POSITION_PCT}% | 持仓 {HOLDINGS_COUNT} 只 | 港币汇率 {HK_RATE}
+
+现金来源: {CASH_SOURCE}
+
+持仓明细:
+{HOLDINGS_TABLE}
+
+⚠️ 浮亏>20%:
+{HOLDINGS_RISK}
+
+═══════════════════════════════════════
diff --git a/templates/opening_brief.txt b/templates/opening_brief.txt
new file mode 100644
index 00000000..723b73d6
--- /dev/null
+++ b/templates/opening_brief.txt
@@ -0,0 +1,19 @@
+═══════════════════════════════════════
+知微 开盘简报 | {GENERATED_AT}
+═══════════════════════════════════════
+
+【数据面板 — 代码采集，LLM不得修改】
+
+现金 {CASH_AMOUNT} CNY | 冻结 {portfolio.frozen_cash} CNY
+持仓市值 {STOCK_VALUE} CNY | 总资产 {TOTAL_ASSETS} CNY
+仓位 {POSITION_PCT}% | 持仓 {HOLDINGS_COUNT} 只
+
+现金来源: {CASH_SOURCE}
+
+持仓明细:
+{HOLDINGS_TABLE}
+
+⚠️ 浮亏>20%:
+{HOLDINGS_RISK}
+
+═══════════════════════════════════════
diff --git a/templates/self_buy_reminder.txt b/templates/self_buy_reminder.txt
new file mode 100644
index 00000000..e2fe9e1f
--- /dev/null
+++ b/templates/self_buy_reminder.txt
@@ -0,0 +1,15 @@
+═══════════════════════════════════════
+自选买入提醒 | {GENERATED_AT}
+═══════════════════════════════════════
+
+【数据面板 — 代码采集，LLM不得修改】
+
+总资产 {TOTAL_ASSETS} CNY | 现金 {CASH_AMOUNT} CNY | 冻结 {portfolio.frozen_cash} CNY
+仓位 {POSITION_PCT}% | 港币汇率 {HK_RATE}
+
+现金来源: {CASH_SOURCE}
+
+持仓明细（已有持仓，不计入现金占用）:
+{HOLDINGS_TABLE}
+
+═══════════════════════════════════════
diff --git a/templates/strategy_eval.txt b/templates/strategy_eval.txt
new file mode 100644
index 00000000..bd05013c
--- /dev/null
+++ b/templates/strategy_eval.txt
@@ -0,0 +1,19 @@
+═══════════════════════════════════════
+MoFin 策略评估 | {GENERATED_AT}
+═══════════════════════════════════════
+
+【数据面板 — 代码采集，LLM不得修改】
+
+组合概况:
+总资产 {TOTAL_ASSETS} CNY | 现金 {CASH_AMOUNT} CNY | 仓位 {POSITION_PCT}%
+持仓 {HOLDINGS_COUNT} 只 | 港币汇率 {HK_RATE}
+
+持仓明细:
+{HOLDINGS_TABLE}
+
+⚠️ 浮亏>20%:
+{HOLDINGS_RISK}
+
+现金来源: {CASH_SOURCE}
+
+═══════════════════════════════════════