{
  "DJ2-037": {
    "inputs": [
      {
        "name": "月1",
        "start": "2026-01-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月2",
        "start": "2026-02-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月3",
        "start": "2026-03-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月4",
        "start": "2026-04-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月5",
        "start": "2026-05-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月6",
        "start": "2026-06-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月7",
        "start": "2026-07-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月8",
        "start": "2026-08-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月9",
        "start": "2026-09-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月10",
        "start": "2026-10-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月11",
        "start": "2026-11-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "月12",
        "start": "2026-12-15",
        "principal": "3000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "月1",
        "start": "2026-01-15",
        "date": "2027-01-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月2",
        "start": "2026-02-15",
        "date": "2027-02-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月3",
        "start": "2026-03-15",
        "date": "2027-03-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月4",
        "start": "2026-04-15",
        "date": "2027-04-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月5",
        "start": "2026-05-15",
        "date": "2027-05-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月6",
        "start": "2026-06-15",
        "date": "2027-06-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月7",
        "start": "2026-07-15",
        "date": "2027-07-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月8",
        "start": "2026-08-15",
        "date": "2027-08-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月9",
        "start": "2026-09-15",
        "date": "2027-09-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月10",
        "start": "2026-10-15",
        "date": "2027-10-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月11",
        "start": "2026-11-15",
        "date": "2027-11-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "月12",
        "start": "2026-12-15",
        "date": "2027-12-15",
        "principal": "3000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "3054.00",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 月份 | 新存本金元 | 到期张数 | 到期本息元 | 累计到期现金元 |\n| --- | --- | --- | --- | --- |\n| 2026-01 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-02 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-03 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-04 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-05 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-06 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-07 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-08 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-09 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-10 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-11 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2026-12 | 3000.00 | 0 | 0.00 | 0.00 |\n| 2027-01 | 0.00 | 1 | 3054.00 | 3054.00 |\n| 2027-02 | 0.00 | 1 | 3054.00 | 6108.00 |\n| 2027-03 | 0.00 | 1 | 3054.00 | 9162.00 |\n| 2027-04 | 0.00 | 1 | 3054.00 | 12216.00 |\n| 2027-05 | 0.00 | 1 | 3054.00 | 15270.00 |\n| 2027-06 | 0.00 | 1 | 3054.00 | 18324.00 |\n| 2027-07 | 0.00 | 1 | 3054.00 | 21378.00 |\n| 2027-08 | 0.00 | 1 | 3054.00 | 24432.00 |\n| 2027-09 | 0.00 | 1 | 3054.00 | 27486.00 |\n| 2027-10 | 0.00 | 1 | 3054.00 | 30540.00 |\n| 2027-11 | 0.00 | 1 | 3054.00 | 33594.00 |\n| 2027-12 | 0.00 | 1 | 3054.00 | 36648.00 |"
    ],
    "monthly": [
      {
        "month": "2026-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-04",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-05",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-09",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "3054.00",
        "cumulative_interest": "54.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "6108.00",
        "cumulative_interest": "108.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "9162.00",
        "cumulative_interest": "162.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "12216.00",
        "cumulative_interest": "216.00"
      },
      {
        "month": "2027-05",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "15270.00",
        "cumulative_interest": "270.00"
      },
      {
        "month": "2027-06",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "18324.00",
        "cumulative_interest": "324.00"
      },
      {
        "month": "2027-07",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "21378.00",
        "cumulative_interest": "378.00"
      },
      {
        "month": "2027-08",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "24432.00",
        "cumulative_interest": "432.00"
      },
      {
        "month": "2027-09",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "27486.00",
        "cumulative_interest": "486.00"
      },
      {
        "month": "2027-10",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "30540.00",
        "cumulative_interest": "540.00"
      },
      {
        "month": "2027-11",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "33594.00",
        "cumulative_interest": "594.00"
      },
      {
        "month": "2027-12",
        "maturity_count": 1,
        "cash": "3054.00",
        "interest": "54.00",
        "cumulative_cash": "36648.00",
        "cumulative_interest": "648.00"
      }
    ],
    "total_principal": "36000.00",
    "total_interest": "648.00"
  },
  "DJ2-038": {
    "inputs": [
      {
        "name": "A",
        "start": "2026-10-15",
        "principal": "18000",
        "months": 3,
        "rates": [
          "0.012"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "B",
        "start": "2026-10-15",
        "principal": "27000",
        "months": 6,
        "rates": [
          "0.016"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "C",
        "start": "2026-10-15",
        "principal": "15000",
        "months": 12,
        "rates": [
          "0.02"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "A",
        "start": "2026-10-15",
        "date": "2027-01-15",
        "principal": "18000.00",
        "rate": "0.012",
        "months": 3,
        "interest": "54.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "18054.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "B",
        "start": "2026-10-15",
        "date": "2027-04-15",
        "principal": "27000.00",
        "rate": "0.016",
        "months": 6,
        "interest": "216.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "27216.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "C",
        "start": "2026-10-15",
        "date": "2027-10-15",
        "principal": "15000.00",
        "rate": "0.02",
        "months": 12,
        "interest": "300.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "15300.00",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 存单 | 存入日 | 存期月 | 本金元 | 构造年率 | 到期日 | 本息元 | 对应支出元 | 单节点余量元 |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| A | 2026-10-15 | 3 | 18000.00 | 1.200% | 2027-01-15 | 18054.00 | 18000.00 | 54.00 |\n| B | 2026-10-15 | 6 | 27000.00 | 1.600% | 2027-04-15 | 27216.00 | 27000.00 | 216.00 |\n| C | 2026-10-15 | 12 | 15000.00 | 2.00% | 2027-10-15 | 15300.00 | 15000.00 | 300.00 |",
      "| 付款日 | 等额方案到期元 | 承接上次余款元 | 支出元 | 支付后预算余额元 |\n| --- | --- | --- | --- | --- |\n| 2027-01-20 | 20060.00 | 0.00 | 18000.00 | 2060.00 |\n| 2027-04-20 | 20160.00 | 2060.00 | 27000.00 | -4780.00 |\n| 2027-10-20 | 20400.00 | -4780.00 | 15000.00 | 620.00 |"
    ],
    "needs": [
      "18000.00",
      "27000.00",
      "15000.00"
    ],
    "equal_principals": [
      20000,
      20000,
      20000
    ],
    "monthly": [
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 1,
        "cash": "18054.00",
        "interest": "54.00",
        "cumulative_cash": "18054.00",
        "cumulative_interest": "54.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "18054.00",
        "cumulative_interest": "54.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "18054.00",
        "cumulative_interest": "54.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 1,
        "cash": "27216.00",
        "interest": "216.00",
        "cumulative_cash": "45270.00",
        "cumulative_interest": "270.00"
      },
      {
        "month": "2027-05",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "45270.00",
        "cumulative_interest": "270.00"
      },
      {
        "month": "2027-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "45270.00",
        "cumulative_interest": "270.00"
      },
      {
        "month": "2027-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "45270.00",
        "cumulative_interest": "270.00"
      },
      {
        "month": "2027-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "45270.00",
        "cumulative_interest": "270.00"
      },
      {
        "month": "2027-09",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "45270.00",
        "cumulative_interest": "270.00"
      },
      {
        "month": "2027-10",
        "maturity_count": 1,
        "cash": "15300.00",
        "interest": "300.00",
        "cumulative_cash": "60570.00",
        "cumulative_interest": "570.00"
      }
    ]
  },
  "DJ2-039": {
    "inputs": [
      {
        "name": "A",
        "start": "2026-10-10",
        "principal": "20000",
        "months": 3,
        "rates": [
          "0.015"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "B",
        "start": "2026-11-15",
        "principal": "20000",
        "months": 3,
        "rates": [
          "0.015"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "C",
        "start": "2026-09-01",
        "principal": "20000",
        "months": 6,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "A",
        "start": "2026-10-10",
        "date": "2027-01-10",
        "principal": "20000.00",
        "rate": "0.015",
        "months": 3,
        "interest": "75.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "20075.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "B",
        "start": "2026-11-15",
        "date": "2027-02-15",
        "principal": "20000.00",
        "rate": "0.015",
        "months": 3,
        "interest": "75.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "20075.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "C",
        "start": "2026-09-01",
        "date": "2027-03-01",
        "principal": "20000.00",
        "rate": "0.018",
        "months": 6,
        "interest": "180.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "20180.00",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 存单 | 本次到期日 | 本次本息元 | 续存同期限后到期 | 目标付款日 | 本例安排 |\n| --- | --- | --- | --- | --- | --- |\n| A | 2027-01-10 | 20075.00 | 2027-04-10 | 2027-03-20 | 停止续存 |\n| B | 2027-02-15 | 20075.00 | 2027-05-15 | 2027-03-20 | 停止续存 |\n| C | 2027-03-01 | 20180.00 | 2027-09-01 | 2027-03-20 | 停止续存 |"
    ],
    "target": "2027-03-20",
    "need": "55000.00",
    "cash": "60330.00",
    "surplus": "5330.00",
    "monthly": [
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 1,
        "cash": "20075.00",
        "interest": "75.00",
        "cumulative_cash": "20075.00",
        "cumulative_interest": "75.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 1,
        "cash": "20075.00",
        "interest": "75.00",
        "cumulative_cash": "40150.00",
        "cumulative_interest": "150.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 1,
        "cash": "20180.00",
        "interest": "180.00",
        "cumulative_cash": "60330.00",
        "cumulative_interest": "330.00"
      }
    ]
  },
  "DJ2-040": {
    "inputs": [
      {
        "name": "A",
        "start": "2026-10-15",
        "principal": "20000",
        "months": 6,
        "rates": [
          "0.02",
          "0.016",
          "0.012"
        ],
        "mode": "both",
        "cycles": 3,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "B",
        "start": "2026-12-15",
        "principal": "30000",
        "months": 3,
        "rates": [
          "0.018",
          "0.015",
          "0.012",
          "0.01"
        ],
        "mode": "principal",
        "cycles": 4,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "B",
        "start": "2026-12-15",
        "date": "2027-03-15",
        "principal": "30000.00",
        "rate": "0.018",
        "months": 3,
        "interest": "135.00",
        "interest_source": "声明单利估算",
        "renewed": "30000.00",
        "cash": "135.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "A",
        "start": "2026-10-15",
        "date": "2027-04-15",
        "principal": "20000.00",
        "rate": "0.02",
        "months": 6,
        "interest": "200.00",
        "interest_source": "声明单利估算",
        "renewed": "20200.00",
        "cash": "0.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "B",
        "start": "2027-03-15",
        "date": "2027-06-15",
        "principal": "30000.00",
        "rate": "0.015",
        "months": 3,
        "interest": "112.50",
        "interest_source": "声明单利估算",
        "renewed": "30000.00",
        "cash": "112.50",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "B",
        "start": "2027-06-15",
        "date": "2027-09-15",
        "principal": "30000.00",
        "rate": "0.012",
        "months": 3,
        "interest": "90.00",
        "interest_source": "声明单利估算",
        "renewed": "30000.00",
        "cash": "90.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "A",
        "start": "2027-04-15",
        "date": "2027-10-15",
        "principal": "20200.00",
        "rate": "0.016",
        "months": 6,
        "interest": "161.60",
        "interest_source": "声明单利估算",
        "renewed": "20361.60",
        "cash": "0.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "B",
        "start": "2027-09-15",
        "date": "2027-12-15",
        "principal": "30000.00",
        "rate": "0.01",
        "months": 3,
        "interest": "75.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "30075.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "A",
        "start": "2027-10-15",
        "date": "2028-04-15",
        "principal": "20361.60",
        "rate": "0.012",
        "months": 6,
        "interest": "122.17",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "20483.77",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 存单 | 到期日 | 本段本金元 | 构造年率 | 本段利息元 | 续存元 | 转现金元 |\n| --- | --- | --- | --- | --- | --- | --- |\n| B | 2027-03-15 | 30000.00 | 1.800% | 135.00 | 30000.00 | 135.00 |\n| A | 2027-04-15 | 20000.00 | 2.00% | 200.00 | 20200.00 | 0.00 |\n| B | 2027-06-15 | 30000.00 | 1.500% | 112.50 | 30000.00 | 112.50 |\n| B | 2027-09-15 | 30000.00 | 1.200% | 90.00 | 30000.00 | 90.00 |\n| A | 2027-10-15 | 20200.00 | 1.600% | 161.60 | 20361.60 | 0.00 |\n| B | 2027-12-15 | 30000.00 | 1.00% | 75.00 | 0.00 | 30075.00 |\n| A | 2028-04-15 | 20361.60 | 1.200% | 122.17 | 0.00 | 20483.77 |",
      "| 年份 | 到期实现利息元 | 转可用现金元 |\n| --- | --- | --- |\n| 2027 | 774.10 | 30412.50 |\n| 2028 | 122.17 | 20483.77 |"
    ],
    "yearly": [
      [
        "2027",
        "774.10",
        "30412.50"
      ],
      [
        "2028",
        "122.17",
        "20483.77"
      ]
    ],
    "total_interest": "896.27",
    "total_cash": "50896.27",
    "monthly": [
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 1,
        "cash": "135.00",
        "interest": "135.00",
        "cumulative_cash": "135.00",
        "cumulative_interest": "135.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 1,
        "cash": "0.00",
        "interest": "200.00",
        "cumulative_cash": "135.00",
        "cumulative_interest": "335.00"
      },
      {
        "month": "2027-05",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "135.00",
        "cumulative_interest": "335.00"
      },
      {
        "month": "2027-06",
        "maturity_count": 1,
        "cash": "112.50",
        "interest": "112.50",
        "cumulative_cash": "247.50",
        "cumulative_interest": "447.50"
      },
      {
        "month": "2027-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "247.50",
        "cumulative_interest": "447.50"
      },
      {
        "month": "2027-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "247.50",
        "cumulative_interest": "447.50"
      },
      {
        "month": "2027-09",
        "maturity_count": 1,
        "cash": "90.00",
        "interest": "90.00",
        "cumulative_cash": "337.50",
        "cumulative_interest": "537.50"
      },
      {
        "month": "2027-10",
        "maturity_count": 1,
        "cash": "0.00",
        "interest": "161.60",
        "cumulative_cash": "337.50",
        "cumulative_interest": "699.10"
      },
      {
        "month": "2027-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "337.50",
        "cumulative_interest": "699.10"
      },
      {
        "month": "2027-12",
        "maturity_count": 1,
        "cash": "30075.00",
        "interest": "75.00",
        "cumulative_cash": "30412.50",
        "cumulative_interest": "774.10"
      },
      {
        "month": "2028-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "30412.50",
        "cumulative_interest": "774.10"
      },
      {
        "month": "2028-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "30412.50",
        "cumulative_interest": "774.10"
      },
      {
        "month": "2028-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "30412.50",
        "cumulative_interest": "774.10"
      },
      {
        "month": "2028-04",
        "maturity_count": 1,
        "cash": "20483.77",
        "interest": "122.17",
        "cumulative_cash": "50896.27",
        "cumulative_interest": "896.27"
      }
    ]
  },
  "DJ2-041": {
    "inputs": [
      {
        "name": "31号锚",
        "start": "2027-01-31",
        "principal": "12000",
        "months": 1,
        "rates": [
          "0.012"
        ],
        "mode": "principal",
        "cycles": 4,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "30号锚",
        "start": "2027-01-30",
        "principal": "12000",
        "months": 1,
        "rates": [
          "0.012"
        ],
        "mode": "principal",
        "cycles": 4,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "闰年31号锚",
        "start": "2028-01-31",
        "principal": "12000",
        "months": 1,
        "rates": [
          "0.012"
        ],
        "mode": "principal",
        "cycles": 4,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "30号锚",
        "start": "2027-01-30",
        "date": "2027-02-28",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "31号锚",
        "start": "2027-01-31",
        "date": "2027-02-28",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "30号锚",
        "start": "2027-02-28",
        "date": "2027-03-30",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "31号锚",
        "start": "2027-02-28",
        "date": "2027-03-31",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "30号锚",
        "start": "2027-03-30",
        "date": "2027-04-30",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "31号锚",
        "start": "2027-03-31",
        "date": "2027-04-30",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "30号锚",
        "start": "2027-04-30",
        "date": "2027-05-30",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "12012.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "31号锚",
        "start": "2027-04-30",
        "date": "2027-05-31",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "12012.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "闰年31号锚",
        "start": "2028-01-31",
        "date": "2028-02-29",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "闰年31号锚",
        "start": "2028-02-29",
        "date": "2028-03-31",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "闰年31号锚",
        "start": "2028-03-31",
        "date": "2028-04-30",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "12000.00",
        "cash": "12.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "闰年31号锚",
        "start": "2028-04-30",
        "date": "2028-05-31",
        "principal": "12000.00",
        "rate": "0.012",
        "months": 1,
        "interest": "12.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "12012.00",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 样本 | 第几次到期 | 保留原日号的模型日期 | 独立每次取月末对照 | 错误沿截断日滚动 | 每段估算利息元 |\n| --- | --- | --- | --- | --- | --- |\n| 31号锚 | 1 | 2027-02-28 | 2027-02-28 | 2027-02-28 | 12.00 |\n| 31号锚 | 2 | 2027-03-31 | 2027-03-31 | 2027-03-28 | 12.00 |\n| 31号锚 | 3 | 2027-04-30 | 2027-04-30 | 2027-04-28 | 12.00 |\n| 31号锚 | 4 | 2027-05-31 | 2027-05-31 | 2027-05-28 | 12.00 |\n| 30号锚 | 1 | 2027-02-28 | 2027-02-28 | 2027-02-28 | 12.00 |\n| 30号锚 | 2 | 2027-03-30 | 2027-03-31 | 2027-03-28 | 12.00 |\n| 30号锚 | 3 | 2027-04-30 | 2027-04-30 | 2027-04-28 | 12.00 |\n| 30号锚 | 4 | 2027-05-30 | 2027-05-31 | 2027-05-28 | 12.00 |\n| 闰年31号锚 | 1 | 2028-02-29 | 2028-02-29 | 2028-02-29 | 12.00 |\n| 闰年31号锚 | 2 | 2028-03-31 | 2028-03-31 | 2028-03-29 | 12.00 |\n| 闰年31号锚 | 3 | 2028-04-30 | 2028-04-30 | 2028-04-29 | 12.00 |\n| 闰年31号锚 | 4 | 2028-05-31 | 2028-05-31 | 2028-05-29 | 12.00 |"
    ],
    "monthly": [
      {
        "month": "2027-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 2,
        "cash": "24.00",
        "interest": "24.00",
        "cumulative_cash": "24.00",
        "cumulative_interest": "24.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 2,
        "cash": "24.00",
        "interest": "24.00",
        "cumulative_cash": "48.00",
        "cumulative_interest": "48.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 2,
        "cash": "24.00",
        "interest": "24.00",
        "cumulative_cash": "72.00",
        "cumulative_interest": "72.00"
      },
      {
        "month": "2027-05",
        "maturity_count": 2,
        "cash": "24024.00",
        "interest": "24.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2027-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2027-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2027-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2027-09",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2027-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2027-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2027-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2028-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "24096.00",
        "cumulative_interest": "96.00"
      },
      {
        "month": "2028-02",
        "maturity_count": 1,
        "cash": "12.00",
        "interest": "12.00",
        "cumulative_cash": "24108.00",
        "cumulative_interest": "108.00"
      },
      {
        "month": "2028-03",
        "maturity_count": 1,
        "cash": "12.00",
        "interest": "12.00",
        "cumulative_cash": "24120.00",
        "cumulative_interest": "120.00"
      },
      {
        "month": "2028-04",
        "maturity_count": 1,
        "cash": "12.00",
        "interest": "12.00",
        "cumulative_cash": "24132.00",
        "cumulative_interest": "132.00"
      },
      {
        "month": "2028-05",
        "maturity_count": 1,
        "cash": "12012.00",
        "interest": "12.00",
        "cumulative_cash": "36144.00",
        "cumulative_interest": "144.00"
      }
    ]
  },
  "DJ2-042": {
    "inputs": [
      {
        "name": "A",
        "start": "2026-10-05",
        "principal": "12000",
        "months": 6,
        "rates": [
          "0.02"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "B",
        "start": "2027-01-12",
        "principal": "18000",
        "months": 3,
        "rates": [
          "0.016"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "C",
        "start": "2026-10-28",
        "principal": "10000",
        "months": 6,
        "rates": [
          "0.02"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "A",
        "start": "2026-10-05",
        "date": "2027-04-05",
        "principal": "12000.00",
        "rate": "0.02",
        "months": 6,
        "interest": "120.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "12120.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "B",
        "start": "2027-01-12",
        "date": "2027-04-12",
        "principal": "18000.00",
        "rate": "0.016",
        "months": 3,
        "interest": "72.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "18072.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "C",
        "start": "2026-10-28",
        "date": "2027-04-28",
        "principal": "10000.00",
        "rate": "0.02",
        "months": 6,
        "interest": "100.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "10100.00",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 日期 | 事件 | 现金增加元 | 累计可付元 | 对35000元需求的缺口元 |\n| --- | --- | --- | --- | --- |\n| 2027-04-01 | 期初现金 | 3000.00 | 3000.00 | 32000.00 |\n| 2027-04-05 | A到期 | 12120.00 | 15120.00 | 19880.00 |\n| 2027-04-12 | B到期 | 18072.00 | 33192.00 | 1808.00 |\n| 2027-04-20 | 付款前检查 | 0.00 | 33192.00 | 1808.00 |\n| 2027-04-28 | C到期但已迟 | 10100.00 | 43292.00 | 0.00 |"
    ],
    "opening_cash": "3000.00",
    "need": "35000.00",
    "due": "2027-04-20",
    "monthly": [
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 3,
        "cash": "40292.00",
        "interest": "292.00",
        "cumulative_cash": "40292.00",
        "cumulative_interest": "292.00"
      }
    ]
  },
  "DJ2-043": {
    "inputs": [
      {
        "name": "一年",
        "start": "2026-10-15",
        "principal": "20000",
        "months": 12,
        "rates": [
          "0.015"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "两年",
        "start": "2026-10-15",
        "principal": "20000",
        "months": 24,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "三年",
        "start": "2026-10-15",
        "principal": "20000",
        "months": 36,
        "rates": [
          "0.02"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "一年",
        "start": "2026-10-15",
        "date": "2027-10-15",
        "principal": "20000.00",
        "rate": "0.015",
        "months": 12,
        "interest": "300.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "20300.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "两年",
        "start": "2026-10-15",
        "date": "2028-10-15",
        "principal": "20000.00",
        "rate": "0.018",
        "months": 24,
        "interest": "720.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "20720.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "三年",
        "start": "2026-10-15",
        "date": "2029-10-15",
        "principal": "20000.00",
        "rate": "0.02",
        "months": 36,
        "interest": "1200.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "21200.00",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 存单 | 本金元 | 构造年率 | 存期月 | 到期日 | 全存期利息元 |\n| --- | --- | --- | --- | --- | --- |\n| 一年 | 20000.00 | 1.500% | 12 | 2027-10-15 | 300.00 |\n| 两年 | 20000.00 | 1.800% | 24 | 2028-10-15 | 720.00 |\n| 三年 | 20000.00 | 2.00% | 36 | 2029-10-15 | 1200.00 |",
      "| 观察截至 | 该观察年到账利息元 | 从起点累计到账利息元 | 累计占初始60000元 |\n| --- | --- | --- | --- |\n| 2027-10-15 | 300.00 | 300.00 | 0.50% |\n| 2028-10-15 | 720.00 | 1020.00 | 1.70% |\n| 2029-10-15 | 1200.00 | 2220.00 | 3.70% |"
    ],
    "wrong_annual_label": "3.70%",
    "monthly": [
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-05",
        "maturity_count": 0,
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        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-09",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-10",
        "maturity_count": 1,
        "cash": "20300.00",
        "interest": "300.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2027-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2027-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-04",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-05",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-09",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "20300.00",
        "cumulative_interest": "300.00"
      },
      {
        "month": "2028-10",
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        "cash": "20720.00",
        "interest": "720.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2028-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2028-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-04",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-05",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-09",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "41020.00",
        "cumulative_interest": "1020.00"
      },
      {
        "month": "2029-10",
        "maturity_count": 1,
        "cash": "21200.00",
        "interest": "1200.00",
        "cumulative_cash": "62220.00",
        "cumulative_interest": "2220.00"
      }
    ]
  },
  "DJ2-044": {
    "inputs": [
      {
        "name": "甲1",
        "start": "2026-04-15",
        "principal": "200000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "甲2",
        "start": "2026-07-15",
        "principal": "150000",
        "months": 12,
        "rates": [
          "0.016"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "乙1",
        "start": "2026-01-15",
        "principal": "120000",
        "months": 12,
        "rates": [
          "0.02"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学乙行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "配偶1",
        "start": "2026-04-15",
        "principal": "100000",
        "months": 12,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "乙",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "乙1",
        "start": "2026-01-15",
        "date": "2027-01-15",
        "principal": "120000.00",
        "rate": "0.02",
        "months": 12,
        "interest": "2400.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "122400.00",
        "bank": "教学乙行",
        "person": "甲"
      },
      {
        "id": "甲1",
        "start": "2026-04-15",
        "date": "2027-04-15",
        "principal": "200000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "3600.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "203600.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "配偶1",
        "start": "2026-04-15",
        "date": "2027-04-15",
        "principal": "100000.00",
        "rate": "0.018",
        "months": 12,
        "interest": "1800.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "101800.00",
        "bank": "教学甲行",
        "person": "乙"
      },
      {
        "id": "甲2",
        "start": "2026-07-15",
        "date": "2027-07-15",
        "principal": "150000.00",
        "rate": "0.016",
        "months": 12,
        "interest": "2400.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "152400.00",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 存单 | 存款人 | 机构归组 | 存入日 | 本金元 | 已满月数 | 构造年率 | 模型应计利息元 | 到期日 |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| 甲1 | 甲 | 教学甲行 | 2026-04-15 | 200000.00 | 6 | 1.800% | 1800.00 | 2027-04-15 |\n| 甲2 | 甲 | 教学甲行 | 2026-07-15 | 150000.00 | 3 | 1.600% | 600.00 | 2027-07-15 |\n| 乙1 | 甲 | 教学乙行 | 2026-01-15 | 120000.00 | 9 | 2.00% | 1800.00 | 2027-01-15 |\n| 配偶1 | 乙 | 教学甲行 | 2026-04-15 | 100000.00 | 6 | 1.800% | 900.00 | 2027-04-15 |",
      "| 存款人 | 机构 | 本金合计元 | 应计合计元 | 本金加应计元 |\n| --- | --- | --- | --- | --- |\n| 甲 | 教学甲行 | 350000.00 | 2400.00 | 352400.00 |\n| 甲 | 教学乙行 | 120000.00 | 1800.00 | 121800.00 |\n| 乙 | 教学甲行 | 100000.00 | 900.00 | 100900.00 |"
    ],
    "as_of": "2026-10-15",
    "accrued": [
      "1800.00",
      "600.00",
      "1800.00",
      "900.00"
    ],
    "monthly": [
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 1,
        "cash": "122400.00",
        "interest": "2400.00",
        "cumulative_cash": "122400.00",
        "cumulative_interest": "2400.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "122400.00",
        "cumulative_interest": "2400.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "122400.00",
        "cumulative_interest": "2400.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 2,
        "cash": "305400.00",
        "interest": "5400.00",
        "cumulative_cash": "427800.00",
        "cumulative_interest": "7800.00"
      },
      {
        "month": "2027-05",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "427800.00",
        "cumulative_interest": "7800.00"
      },
      {
        "month": "2027-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "427800.00",
        "cumulative_interest": "7800.00"
      },
      {
        "month": "2027-07",
        "maturity_count": 1,
        "cash": "152400.00",
        "interest": "2400.00",
        "cumulative_cash": "580200.00",
        "cumulative_interest": "10200.00"
      }
    ]
  },
  "DJ2-045": {
    "inputs": [
      {
        "name": "首段",
        "start": "2026-10-15",
        "principal": "50000",
        "months": 6,
        "rates": [
          "0.018"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      },
      {
        "name": "新段",
        "start": "2027-06-15",
        "principal": "50450.00",
        "months": 6,
        "rates": [
          "0.012"
        ],
        "mode": "stop",
        "cycles": 1,
        "bank": "教学甲行",
        "person": "甲",
        "interest_override": null
      }
    ],
    "events": [
      {
        "id": "首段",
        "start": "2026-10-15",
        "date": "2027-04-15",
        "principal": "50000.00",
        "rate": "0.018",
        "months": 6,
        "interest": "450.00",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "50450.00",
        "bank": "教学甲行",
        "person": "甲"
      },
      {
        "id": "新段",
        "start": "2027-06-15",
        "date": "2027-12-15",
        "principal": "50450.00",
        "rate": "0.012",
        "months": 6,
        "interest": "302.70",
        "interest_source": "声明单利估算",
        "renewed": "0.00",
        "cash": "50752.70",
        "bank": "教学甲行",
        "person": "甲"
      }
    ],
    "tables": [
      "| 阶段 | 起日 | 止日 | 计息本金元 | 构造年率 | 期限 | 利息元 | 段末资金元 |\n| --- | --- | --- | --- | --- | --- | --- | --- |\n| 原定期 | 2026-10-15 | 2027-04-15 | 50000.00 | 1.8% | 6个月 | 450.00 | 50450.00 |\n| 等待现金 | 2027-04-15 | 2027-06-15 | 50450.00 | 0% | 61天 | 0.00 | 50450.00 |\n| 重新存入 | 2027-06-15 | 2027-12-15 | 50450.00 | 1.2% | 6个月 | 302.70 | 50752.70 |",
      "| 等待段独立假设 | 等待利息元 | 新段本金元 | 新段利息元 | 末期总额元 |\n| --- | --- | --- | --- | --- |\n| 不计收益 | 0.00 | 50450.00 | 302.70 | 50752.70 |\n| 0.1%实际日/365 | 8.43 | 50458.43 | 302.75 | 50761.18 |"
    ],
    "gap_days": 61,
    "external_model": "等待段日息仅文内独立扩展，不是T04功能",
    "standalone_event_boundary": "两段分别计息；第二段输入本金为内部再投入，不是家庭新增本金；月表cash仅列各次到期释放额，不是家庭现金余额，完整余额见household_ledger",
    "household_ledger": [
      {
        "date": "2026-10-15",
        "event": "外部本金转旧定期",
        "external": "50000.00",
        "cash": "0.00",
        "deposit": "50000.00"
      },
      {
        "date": "2027-04-15",
        "event": "旧段到期转现金",
        "external": "0.00",
        "cash": "50450.00",
        "deposit": "0.00"
      },
      {
        "date": "2027-06-15",
        "event": "现金内部转新定期",
        "external": "0.00",
        "cash": "0.00",
        "deposit": "50450.00"
      },
      {
        "date": "2027-12-15",
        "event": "新段到期转现金",
        "external": "0.00",
        "cash": "50752.70",
        "deposit": "0.00"
      }
    ],
    "external_principal": "50000.00",
    "total_interest": "752.70",
    "waiting_scenario": {
      "annual_rate": "0.001",
      "basis": 365,
      "days": 61,
      "interest": "8.43",
      "new_principal": "50458.43",
      "new_interest": "302.75",
      "final": "50761.18"
    },
    "monthly": [
      {
        "month": "2026-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2026-12",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-01",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-02",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-03",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "0.00",
        "cumulative_interest": "0.00"
      },
      {
        "month": "2027-04",
        "maturity_count": 1,
        "cash": "50450.00",
        "interest": "450.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-05",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-06",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-07",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-08",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-09",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-10",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-11",
        "maturity_count": 0,
        "cash": "0.00",
        "interest": "0.00",
        "cumulative_cash": "50450.00",
        "cumulative_interest": "450.00"
      },
      {
        "month": "2027-12",
        "maturity_count": 1,
        "cash": "50752.70",
        "interest": "302.70",
        "cumulative_cash": "101202.70",
        "cumulative_interest": "752.70"
      }
    ]
  }
}