本地监控止盈止损、盘前自动连CTP，并完善保证金与推荐手数。

- 止盈止损改为程序本地监控，触发后市价平仓（含跳空）
- 交易前30分钟后台自动连接 CTP
- 保证金占用上限默认30%，可在系统设置修改
- K线标准蜡烛图红跌绿涨，费率表全宽固定表头
- 品种推荐按保证金比例×总资金计算推荐手数

Co-authored-by: Cursor <cursoragent@cursor.com>

position_sizing.py

@@ -36,6 +36,7 @@ def calc_lots_by_risk(
     ths_code: str,
     *,
     max_lots: Optional[int] = None,
+    max_margin_pct: float = 30.0,
 ) -> tuple[Optional[int], Optional[str]]:
     """以损定仓：返回 (手数, 错误信息)。"""
     try:
@@ -62,9 +63,10 @@ def calc_lots_by_risk(
         return None, f"按 {rp}% 风险预算，当前止损距离下不足 1 手"
     margin_rate = spec["margin_rate"]
     margin_per_lot = entry_f * mult * margin_rate
-    max_by_margin = int(math.floor(cap * 0.85 / margin_per_lot)) if margin_per_lot > 0 else lots
+    margin_cap = max(1.0, min(100.0, float(max_margin_pct or 30.0)))
+    max_by_margin = int(math.floor(cap * margin_cap / 100.0 / margin_per_lot)) if margin_per_lot > 0 else lots
     if max_by_margin < 1:
-        return None, "可用资金不足以覆盖 1 手保证金"
+        return None, f"按保证金上限 {margin_cap:g}%，当前不足 1 手"
     lots = min(lots, max_by_margin)
     cap_lots = max_lots if max_lots is not None else DEFAULT_MAX_ORDER_LOTS
     lots = min(lots, cap_lots)
@@ -95,3 +97,32 @@ def calc_order_tick_metrics(ths_code: str, lots: float, price: Optional[float] =
         "margin_total": margin_total,
         "margin_rate": margin_rate,
     }
+
+
+def calc_margin_usage_pct(
+    positions: list[dict],
+    capital: float,
+    *,
+    extra_symbol: str = "",
+    extra_lots: int = 0,
+    extra_price: float = 0,
+) -> float:
+    """当前持仓 + 拟开仓占权益的保证金比例（%）。"""
+    cap = float(capital or 0)
+    if cap <= 0:
+        return 999.0
+    total = 0.0
+    for p in positions:
+        lots = int(p.get("lots") or 0)
+        if lots <= 0:
+            continue
+        sym = (p.get("symbol") or "").strip()
+        entry = float(p.get("avg_price") or p.get("entry_price") or 0)
+        if entry <= 0:
+            continue
+        spec = get_contract_spec(sym)
+        total += entry * spec["mult"] * lots * spec["margin_rate"]
+    if extra_symbol and extra_lots > 0 and extra_price > 0:
+        spec = get_contract_spec(extra_symbol)
+        total += extra_price * spec["mult"] * extra_lots * spec["margin_rate"]
+    return round(total / cap * 100.0, 2)