{
  "DJ2-091": {
    "inputs": {
      "nominal_principal": 24000,
      "upfront_direct_fee": 240,
      "monthly_fee_pct": 0.4,
      "months": 12
    },
    "rows": [
      {
        "period": 1,
        "date": "2026-12-01",
        "opening_principal": 24000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 22000
      },
      {
        "period": 2,
        "date": "2027-01-01",
        "opening_principal": 22000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 20000
      },
      {
        "period": 3,
        "date": "2027-02-01",
        "opening_principal": 20000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 18000
      },
      {
        "period": 4,
        "date": "2027-03-01",
        "opening_principal": 18000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 16000
      },
      {
        "period": 5,
        "date": "2027-04-01",
        "opening_principal": 16000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 14000
      },
      {
        "period": 6,
        "date": "2027-05-01",
        "opening_principal": 14000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 12000
      },
      {
        "period": 7,
        "date": "2027-06-01",
        "opening_principal": 12000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 10000
      },
      {
        "period": 8,
        "date": "2027-07-01",
        "opening_principal": 10000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 8000
      },
      {
        "period": 9,
        "date": "2027-08-01",
        "opening_principal": 8000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 6000
      },
      {
        "period": 10,
        "date": "2027-09-01",
        "opening_principal": 6000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 4000
      },
      {
        "period": 11,
        "date": "2027-10-01",
        "opening_principal": 4000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 2000
      },
      {
        "period": 12,
        "date": "2027-11-01",
        "opening_principal": 2000,
        "principal_paid": 2000,
        "fee_base": 24000,
        "fee": 96,
        "payment": 2096,
        "closing_principal": 0
      }
    ],
    "flows": [
      {
        "date": "2026-11-01",
        "amount": 23760.0,
        "event": "名义本金24000减已确认直接费用240"
      },
      {
        "date": "2026-12-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-01-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-02-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-03-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-04-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-05-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-06-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-07-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-08-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-09-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-10-01",
        "amount": -2096.0,
        "event": "分期还款"
      },
      {
        "date": "2027-11-01",
        "amount": -2096.0,
        "event": "分期还款"
      }
    ],
    "results": {
      "net_available": 23760,
      "total_period_payments": 25152,
      "total_cost": 1392,
      "fee_rate_times_12_pct": 4.8,
      "sum_opening_principals": 156000,
      "monthly_irr_pct": 0.8869642580960124,
      "period_rate_times_12_pct": 10.643571097152149,
      "annual_compound_pct": 11.178458695637783,
      "periodic_residual_yuan": -2.9103830456733704e-11,
      "xirr_pct": 11.21634369769483,
      "xnpv_residual_yuan": -2.2737367544323206e-12,
      "relative_residual": 4.648627646451424e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "without_upfront": {
      "monthly_irr_pct": 0.7287613740510568,
      "period_rate_times_12_pct": 8.745136488612681,
      "annual_compound_pct": 9.104314106464884,
      "periodic_residual_yuan": -2.9103830456733704e-11,
      "total_cost": 1152
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-092": {
    "inputs": {
      "nominal_principal": 24000,
      "upfront_fee": 1200,
      "months": 12,
      "monthly_principal": 2000,
      "refund_unexpired_fraction": 0.8,
      "early_settlement_fee": 100
    },
    "cases": [
      {
        "period": 3,
        "settlement_date": "2027-02-01",
        "paid_principal": 6000,
        "balance_after_normal": 18000,
        "unexpired_fee": 900.0,
        "refund": 720.0,
        "settlement_fee": 100,
        "extra_net_settlement": 17380.0,
        "total_historical_cost": 580.0,
        "future_cash_saving_after_normal_payment": 620.0,
        "flows": [
          {
            "date": "2026-11-01",
            "amount": 22800.0,
            "event": "扣除1200预付费用后到账"
          },
          {
            "date": "2026-12-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-01-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-02-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-02-01",
            "amount": -17380.0,
            "event": "余额结清并同期退款"
          }
        ],
        "xirr_pct": 11.534553371758316,
        "xnpv_residual_yuan": -2.7284841053187847e-12,
        "relative_residual": 5.908367486614952e-17,
        "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
      },
      {
        "period": 6,
        "settlement_date": "2027-05-01",
        "paid_principal": 12000,
        "balance_after_normal": 12000,
        "unexpired_fee": 600.0,
        "refund": 480.0,
        "settlement_fee": 100,
        "extra_net_settlement": 11620.0,
        "total_historical_cost": 820.0,
        "future_cash_saving_after_normal_payment": 380.0,
        "flows": [
          {
            "date": "2026-11-01",
            "amount": 22800.0,
            "event": "扣除1200预付费用后到账"
          },
          {
            "date": "2026-12-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-01-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-02-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-03-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-04-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-05-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-05-01",
            "amount": -11620.0,
            "event": "余额结清并同期退款"
          }
        ],
        "xirr_pct": 9.474606637981998,
        "xnpv_residual_yuan": 1.3642420526593924e-12,
        "relative_residual": 2.938910066047808e-17,
        "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
      },
      {
        "period": 9,
        "settlement_date": "2027-08-01",
        "paid_principal": 18000,
        "balance_after_normal": 6000,
        "unexpired_fee": 300.0,
        "refund": 240.0,
        "settlement_fee": 100,
        "extra_net_settlement": 5860.0,
        "total_historical_cost": 1060.0,
        "future_cash_saving_after_normal_payment": 140.0,
        "flows": [
          {
            "date": "2026-11-01",
            "amount": 22800.0,
            "event": "扣除1200预付费用后到账"
          },
          {
            "date": "2026-12-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-01-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-02-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-03-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-04-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-05-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-06-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-07-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-08-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-08-01",
            "amount": -5860.0,
            "event": "余额结清并同期退款"
          }
        ],
        "xirr_pct": 9.63670334144785,
        "xnpv_residual_yuan": 1.1368683772161603e-12,
        "relative_residual": 2.436494593262238e-17,
        "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
      },
      {
        "period": 12,
        "settlement_date": "2027-11-01",
        "paid_principal": 24000,
        "balance_after_normal": 0,
        "unexpired_fee": 0.0,
        "refund": 0,
        "settlement_fee": 0,
        "extra_net_settlement": 0,
        "total_historical_cost": 1200,
        "future_cash_saving_after_normal_payment": 0,
        "flows": [
          {
            "date": "2026-11-01",
            "amount": 22800.0,
            "event": "扣除1200预付费用后到账"
          },
          {
            "date": "2026-12-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-01-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-02-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-03-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-04-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-05-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-06-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-07-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-08-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-09-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-10-01",
            "amount": -2000.0,
            "event": "正常本金"
          },
          {
            "date": "2027-11-01",
            "amount": -2000.0,
            "event": "正常本金"
          }
        ],
        "xirr_pct": 10.042517339280177,
        "xnpv_residual_yuan": 0.0,
        "relative_residual": 0.0,
        "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
      }
    ],
    "refund_delayed_7_days": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": 22800.0,
          "event": "扣除1200预付费用后到账"
        },
        {
          "date": "2026-12-01",
          "amount": -2000.0,
          "event": "正常本金"
        },
        {
          "date": "2027-01-01",
          "amount": -2000.0,
          "event": "正常本金"
        },
        {
          "date": "2027-02-01",
          "amount": -2000.0,
          "event": "正常本金"
        },
        {
          "date": "2027-03-01",
          "amount": -2000.0,
          "event": "正常本金"
        },
        {
          "date": "2027-04-01",
          "amount": -2000.0,
          "event": "正常本金"
        },
        {
          "date": "2027-05-01",
          "amount": -2000.0,
          "event": "正常本金"
        },
        {
          "date": "2027-05-01",
          "amount": -12100.0,
          "event": "余额结清并同期退款"
        },
        {
          "date": "2027-05-08",
          "amount": 480.0,
          "event": "退款晚7天到账"
        }
      ],
      "gross_extra_cash_needed": 12100,
      "refund": 480,
      "xirr_pct": 9.484432521881859,
      "xnpv_residual_yuan": 1.8758328224066645e-12,
      "relative_residual": 3.959123728169406e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-093": {
    "inputs": {
      "principal": 60000,
      "months": 6,
      "monthly_interest": 300,
      "monthly_reserve": 10000,
      "reserve_interest": 0,
      "initial_reserve": 0
    },
    "rows": [
      {
        "period": 1,
        "date": "2026-12-01",
        "principal_due": 0,
        "interest_due": 300,
        "debt_payment": 300,
        "reserve_added": 10000,
        "reserve_before_redemption": 10000,
        "reserve_after_redemption": 10000,
        "salary_budget_needed": 10300,
        "delayed_start_reserve": 0
      },
      {
        "period": 2,
        "date": "2027-01-01",
        "principal_due": 0,
        "interest_due": 300,
        "debt_payment": 300,
        "reserve_added": 10000,
        "reserve_before_redemption": 20000,
        "reserve_after_redemption": 20000,
        "salary_budget_needed": 10300,
        "delayed_start_reserve": 10000
      },
      {
        "period": 3,
        "date": "2027-02-01",
        "principal_due": 0,
        "interest_due": 300,
        "debt_payment": 300,
        "reserve_added": 10000,
        "reserve_before_redemption": 30000,
        "reserve_after_redemption": 30000,
        "salary_budget_needed": 10300,
        "delayed_start_reserve": 20000
      },
      {
        "period": 4,
        "date": "2027-03-01",
        "principal_due": 0,
        "interest_due": 300,
        "debt_payment": 300,
        "reserve_added": 10000,
        "reserve_before_redemption": 40000,
        "reserve_after_redemption": 40000,
        "salary_budget_needed": 10300,
        "delayed_start_reserve": 30000
      },
      {
        "period": 5,
        "date": "2027-04-01",
        "principal_due": 0,
        "interest_due": 300,
        "debt_payment": 300,
        "reserve_added": 10000,
        "reserve_before_redemption": 50000,
        "reserve_after_redemption": 50000,
        "salary_budget_needed": 10300,
        "delayed_start_reserve": 40000
      },
      {
        "period": 6,
        "date": "2027-05-01",
        "principal_due": 60000,
        "interest_due": 300,
        "debt_payment": 60300,
        "reserve_added": 10000,
        "reserve_before_redemption": 60000,
        "reserve_after_redemption": 0,
        "salary_budget_needed": 10300,
        "delayed_start_reserve": 50000
      }
    ],
    "flows": [
      {
        "date": "2026-11-01",
        "amount": 60000.0,
        "event": "借款到账"
      },
      {
        "date": "2026-12-01",
        "amount": -300.0,
        "event": "利息及到期还本"
      },
      {
        "date": "2027-01-01",
        "amount": -300.0,
        "event": "利息及到期还本"
      },
      {
        "date": "2027-02-01",
        "amount": -300.0,
        "event": "利息及到期还本"
      },
      {
        "date": "2027-03-01",
        "amount": -300.0,
        "event": "利息及到期还本"
      },
      {
        "date": "2027-04-01",
        "amount": -300.0,
        "event": "利息及到期还本"
      },
      {
        "date": "2027-05-01",
        "amount": -60300.0,
        "event": "利息及到期还本"
      }
    ],
    "results": {
      "total_interest": 1800,
      "total_debt_payments": 61800,
      "late_start_shortfall": 10000,
      "only_8000_each_month_shortfall": 12000,
      "xirr_pct": 6.22018785199886,
      "xnpv_residual_yuan": 8.185452315956354e-12,
      "relative_residual": 6.720404200292573e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-094": {
    "inputs": {
      "cash_car_price": 180000,
      "finance_car_price": 176000,
      "down_payment": 56000,
      "loan_principal": 120000,
      "upfront_fee": 3000,
      "tail": 60000,
      "months": 12,
      "regular_payment": 6000
    },
    "rows": [
      {
        "period": 1,
        "date": "2026-12-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 115000,
        "tail_reserve_before_payment": 5000
      },
      {
        "period": 2,
        "date": "2027-01-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 110000,
        "tail_reserve_before_payment": 10000
      },
      {
        "period": 3,
        "date": "2027-02-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 105000,
        "tail_reserve_before_payment": 15000
      },
      {
        "period": 4,
        "date": "2027-03-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 100000,
        "tail_reserve_before_payment": 20000
      },
      {
        "period": 5,
        "date": "2027-04-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 95000,
        "tail_reserve_before_payment": 25000
      },
      {
        "period": 6,
        "date": "2027-05-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 90000,
        "tail_reserve_before_payment": 30000
      },
      {
        "period": 7,
        "date": "2027-06-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 85000,
        "tail_reserve_before_payment": 35000
      },
      {
        "period": 8,
        "date": "2027-07-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 80000,
        "tail_reserve_before_payment": 40000
      },
      {
        "period": 9,
        "date": "2027-08-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 75000,
        "tail_reserve_before_payment": 45000
      },
      {
        "period": 10,
        "date": "2027-09-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 70000,
        "tail_reserve_before_payment": 50000
      },
      {
        "period": 11,
        "date": "2027-10-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 0,
        "total_payment": 6000,
        "closing_principal": 65000,
        "tail_reserve_before_payment": 55000
      },
      {
        "period": 12,
        "date": "2027-11-01",
        "regular_payment": 6000,
        "regular_principal": 5000,
        "financing_fee": 1000,
        "tail_principal": 60000,
        "total_payment": 66000,
        "closing_principal": 0,
        "tail_reserve_before_payment": 60000
      }
    ],
    "loan_flows": [
      {
        "date": "2026-11-01",
        "amount": 117000.0,
        "event": "120000名义本金减3000直接融资费"
      },
      {
        "date": "2026-12-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-01-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-02-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-03-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-04-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-05-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-06-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-07-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-08-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-09-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-10-01",
        "amount": -6000.0,
        "event": "月供及尾款"
      },
      {
        "date": "2027-11-01",
        "amount": -66000.0,
        "event": "月供及尾款"
      }
    ],
    "results": {
      "initial_cash_out": 59000,
      "regular_payments_total": 72000,
      "total_repayments": 132000,
      "financing_cost": 15000,
      "purchase_cash_total": 191000,
      "cash_vs_finance_difference": 11000,
      "omitting_tail_false_total": 131000,
      "monthly_tail_reserve": 5000,
      "monthly_budget_including_reserve": 11000,
      "xirr_pct": 17.678762656510127,
      "xnpv_residual_yuan": -1.9099388737231493e-11,
      "relative_residual": 7.670437243868069e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-095": {
    "inputs": {
      "cash_car_price": 180000,
      "finance_car_price": 172000,
      "loan_principal": 120000,
      "finance_discount": 8000,
      "service_fee": 4000,
      "cash_annual_insurance": 5000,
      "finance_annual_insurance": 6500,
      "insurance_years": 2,
      "discount_rate_pct": 3
    },
    "rows": [
      {
        "date": "2026-11-01",
        "event": "裸车",
        "cash": 180000,
        "finance": 52000,
        "days": 0,
        "cash_pv_3pct": 180000.0,
        "finance_pv_3pct": 52000.0
      },
      {
        "date": "2026-11-01",
        "event": "首年同等保障保费",
        "cash": 5000,
        "finance": 6500,
        "days": 0,
        "cash_pv_3pct": 5000.0,
        "finance_pv_3pct": 6500.0
      },
      {
        "date": "2026-11-01",
        "event": "贷款服务费",
        "cash": 0,
        "finance": 4000,
        "days": 0,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 4000.0
      },
      {
        "date": "2026-12-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 30,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9975.734582285508
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      {
        "date": "2027-01-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 61,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9950.722173458968
      },
      {
        "date": "2027-02-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 92,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9925.772478870673
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      {
        "date": "2027-03-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 120,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9903.291044277536
      },
      {
        "date": "2027-04-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 151,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9878.460274945764
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      {
        "date": "2027-05-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 181,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9854.489778451007
      },
      {
        "date": "2027-06-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 212,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9829.781369753639
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      {
        "date": "2027-07-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 242,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9805.928994655718
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      {
        "date": "2027-08-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 273,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9781.342343626138
      },
      {
        "date": "2027-09-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 304,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9756.817339321633
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      {
        "date": "2027-10-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 334,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9733.14201449137
      },
      {
        "date": "2027-11-01",
        "event": "分期本金",
        "cash": 0,
        "finance": 10000,
        "days": 365,
        "cash_pv_3pct": 0.0,
        "finance_pv_3pct": 9708.73786407767
      },
      {
        "date": "2027-11-01",
        "event": "次年同等保障保费",
        "cash": 5000,
        "finance": 6500,
        "days": 365,
        "cash_pv_3pct": 4854.368932038835,
        "finance_pv_3pct": 6310.679611650486
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    ],
    "present_values": [
      {
        "discount_pct": 0,
        "cash_pv": 190000.0,
        "finance_pv": 189000.0,
        "cash_minus_finance_pv": 1000.0
      },
      {
        "discount_pct": 3.0,
        "cash_pv": 189854.36893203884,
        "finance_pv": 186914.89986986612,
        "cash_minus_finance_pv": 2939.4690621727204
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      {
        "discount_pct": 6.0,
        "cash_pv": 189716.98113207548,
        "finance_pv": 184931.6660583682,
        "cash_minus_finance_pv": 4785.3150737072865
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    ],
    "results": {
      "cash_total": 190000,
      "finance_total": 189000,
      "incremental_insurance": 3000,
      "net_nominal_advantage": 1000
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-096": {
    "inputs": {
      "principal": 36000,
      "monthly_principal": 3000,
      "monthly_fee": 180,
      "months": 12,
      "paid_periods": 4,
      "waived_remaining_fee": 1080,
      "settlement_charge": 120,
      "current_cash": 30000,
      "emergency_floor": 10000
    },
    "reconciliation": {
      "paid_principal": 12000,
      "paid_fees": 720,
      "remaining_principal": 24000,
      "scheduled_remaining_fees": 1440,
      "waived": 1080,
      "payable_remaining_fee": 360,
      "settlement_charge": 120,
      "extra_settlement_payment": 24480,
      "continue_future_payments": 25440,
      "future_saving": 960,
      "total_historical_cost_early": 1200,
      "full_cost": 2160,
      "cash_after_settlement": 5520,
      "allowed_cash_above_floor": 20000,
      "cash_floor_shortfall": 4480
    },
    "early_flows": [
      {
        "date": "2026-11-01",
        "amount": 36000.0,
        "event": "分期购买力视为融资流入"
      },
      {
        "date": "2026-12-01",
        "amount": -3180.0,
        "event": "正常本金与费用"
      },
      {
        "date": "2027-01-01",
        "amount": -3180.0,
        "event": "正常本金与费用"
      },
      {
        "date": "2027-02-01",
        "amount": -3180.0,
        "event": "正常本金与费用"
      },
      {
        "date": "2027-03-01",
        "amount": -3180.0,
        "event": "正常本金与费用"
      },
      {
        "date": "2027-03-01",
        "amount": -24480.0,
        "event": "正常付款后额外结清"
      }
    ],
    "full_flows": [
      {
        "date": "2026-11-01",
        "amount": 36000.0,
        "event": "分期购买力"
      },
      {
        "date": "2026-12-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-01-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-02-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-03-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-04-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-05-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-06-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-07-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-08-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-09-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-10-01",
        "amount": -3180.0,
        "event": "全期付款"
      },
      {
        "date": "2027-11-01",
        "amount": -3180.0,
        "event": "全期付款"
      }
    ],
    "early_rate": {
      "xirr_pct": 12.105211239430924,
      "xnpv_residual_yuan": -4.547473508864641e-13,
      "relative_residual": 6.212395503913444e-18,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "full_rate": {
      "xirr_pct": 11.496270414342169,
      "xnpv_residual_yuan": -1.8189894035458565e-12,
      "relative_residual": 2.4527904578557936e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-097": {
    "inputs": {
      "contract_date": "2026-11-01",
      "principal": 24000,
      "payment": 2100,
      "periods": 12
    },
    "cases": [
      {
        "receipt_date": "2026-11-01",
        "first_payment_date": "2026-12-01",
        "first_gap_days": 30,
        "total_cost": 1200,
        "flows": [
          {
            "date": "2026-11-01",
            "amount": 24000.0,
            "event": "实际可用到账"
          },
          {
            "date": "2026-12-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-01-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-02-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-03-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-04-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-05-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-06-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-07-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-08-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-09-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-10-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-11-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          }
        ],
        "xirr_pct": 9.526200253209083,
        "xnpv_residual_yuan": 1.8189894035458565e-12,
        "relative_residual": 3.6971329340362936e-17,
        "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
      },
      {
        "receipt_date": "2026-11-11",
        "first_payment_date": "2026-12-01",
        "first_gap_days": 20,
        "total_cost": 1200,
        "flows": [
          {
            "date": "2026-11-11",
            "amount": 24000.0,
            "event": "实际可用到账"
          },
          {
            "date": "2026-12-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-01-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-02-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-03-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-04-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-05-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-06-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-07-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-08-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-09-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-10-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-11-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          }
        ],
        "xirr_pct": 10.06840334024649,
        "xnpv_residual_yuan": 0.0,
        "relative_residual": 0.0,
        "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
      },
      {
        "receipt_date": "2026-11-21",
        "first_payment_date": "2026-12-01",
        "first_gap_days": 10,
        "total_cost": 1200,
        "flows": [
          {
            "date": "2026-11-21",
            "amount": 24000.0,
            "event": "实际可用到账"
          },
          {
            "date": "2026-12-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-01-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-02-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-03-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-04-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-05-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-06-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-07-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-08-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-09-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-10-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          },
          {
            "date": "2027-11-01",
            "amount": -2100.0,
            "event": "相同约定还款"
          }
        ],
        "xirr_pct": 10.676550104788884,
        "xnpv_residual_yuan": -2.5011104298755527e-12,
        "relative_residual": 5.083557784299904e-17,
        "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
      }
    ],
    "equal_period_reference": {
      "monthly_irr_pct": 0.7587184057611274,
      "period_rate_times_12_pct": 9.104620869133528,
      "annual_compound_pct": 9.494326996412173,
      "periodic_residual_yuan": -1.4551915228366852e-11
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-098": {
    "inputs": {
      "credit_limit": 100000,
      "annual_simple_rate_pct": 6,
      "day_basis": 365,
      "interest_rounding": "每事件区间末期四舍五入到分",
      "unused_limit_fee": 0,
      "repayment_allocation": "仅本例构造先进先还，分段利息先汇总四舍五入，再按本金分配，末批承担分位尾差"
    },
    "rows": [
      {
        "date": "2026-11-01",
        "days_since_previous": 0,
        "interest_base": 0,
        "draw": 30000,
        "principal_repaid": 0,
        "interest": 0.0,
        "closing_balance": 30000,
        "net_cash": 30000.0
      },
      {
        "date": "2026-11-16",
        "days_since_previous": 15,
        "interest_base": 30000,
        "draw": 20000,
        "principal_repaid": 0,
        "interest": 73.97,
        "closing_balance": 50000,
        "net_cash": 19926.03
      },
      {
        "date": "2026-12-01",
        "days_since_previous": 15,
        "interest_base": 50000,
        "draw": 0,
        "principal_repaid": 10000,
        "interest": 123.29,
        "closing_balance": 40000,
        "net_cash": -10123.29
      },
      {
        "date": "2026-12-21",
        "days_since_previous": 20,
        "interest_base": 40000,
        "draw": 10000,
        "principal_repaid": 0,
        "interest": 131.51,
        "closing_balance": 50000,
        "net_cash": 9868.49
      },
      {
        "date": "2027-01-10",
        "days_since_previous": 20,
        "interest_base": 50000,
        "draw": 0,
        "principal_repaid": 25000,
        "interest": 164.38,
        "closing_balance": 25000,
        "net_cash": -25164.38
      },
      {
        "date": "2027-02-01",
        "days_since_previous": 22,
        "interest_base": 25000,
        "draw": 0,
        "principal_repaid": 25000,
        "interest": 90.41,
        "closing_balance": 0,
        "net_cash": -25090.41
      }
    ],
    "flows": [
      {
        "date": "2026-11-01",
        "amount": 30000.0,
        "event": "提款、还本及分段结息"
      },
      {
        "date": "2026-11-16",
        "amount": 19926.03,
        "event": "提款、还本及分段结息"
      },
      {
        "date": "2026-12-01",
        "amount": -10123.29,
        "event": "提款、还本及分段结息"
      },
      {
        "date": "2026-12-21",
        "amount": 9868.49,
        "event": "提款、还本及分段结息"
      },
      {
        "date": "2027-01-10",
        "amount": -25164.38,
        "event": "提款、还本及分段结息"
      },
      {
        "date": "2027-02-01",
        "amount": -25090.41,
        "event": "提款、还本及分段结息"
      }
    ],
    "results": {
      "total_draws": 60000,
      "total_principal_repaid": 60000,
      "peak_balance": 50000,
      "total_interest": 583.56,
      "wrong_full_limit_interest": 1512.33,
      "span_days": 92,
      "xirr_pct": 6.173912067093179,
      "xnpv_residual_yuan": -5.4569682106375694e-12,
      "relative_residual": 4.540942120448063e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "fifo_allocation": [
      {
        "end_date": "2026-11-16",
        "draw_id": "A",
        "interest_base": 30000,
        "interest_allocated": 73.97
      },
      {
        "end_date": "2026-12-01",
        "draw_id": "A",
        "interest_base": 30000,
        "interest_allocated": 73.97
      },
      {
        "end_date": "2026-12-01",
        "draw_id": "B",
        "interest_base": 20000,
        "interest_allocated": 49.32
      },
      {
        "end_date": "2026-12-21",
        "draw_id": "A",
        "interest_base": 20000,
        "interest_allocated": 65.76
      },
      {
        "end_date": "2026-12-21",
        "draw_id": "B",
        "interest_base": 20000,
        "interest_allocated": 65.75
      },
      {
        "end_date": "2027-01-10",
        "draw_id": "A",
        "interest_base": 20000,
        "interest_allocated": 65.75
      },
      {
        "end_date": "2027-01-10",
        "draw_id": "B",
        "interest_base": 20000,
        "interest_allocated": 65.75
      },
      {
        "end_date": "2027-01-10",
        "draw_id": "C",
        "interest_base": 10000,
        "interest_allocated": 32.88
      },
      {
        "end_date": "2027-02-01",
        "draw_id": "B",
        "interest_base": 15000,
        "interest_allocated": 54.25
      },
      {
        "end_date": "2027-02-01",
        "draw_id": "C",
        "interest_base": 10000,
        "interest_allocated": 36.16
      }
    ],
    "draw_costs_fifo": [
      {
        "id": "A",
        "date": "2026-11-01",
        "draw": 30000,
        "balance": 0,
        "interest": 279.45
      },
      {
        "id": "B",
        "date": "2026-11-16",
        "draw": 20000,
        "balance": 0,
        "interest": 235.07
      },
      {
        "id": "C",
        "date": "2026-12-21",
        "draw": 10000,
        "balance": 0,
        "interest": 69.04
      }
    ],
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  },
  "DJ2-099": {
    "inputs": {
      "principal": 18000,
      "monthly_principal": 3000,
      "periods": 6,
      "monthly_fee_pct": 0.5
    },
    "rows": [
      {
        "period": 1,
        "date": "2026-12-01",
        "opening_principal": 18000,
        "principal_paid": 3000,
        "closing_principal": 15000,
        "original_base_fee": 90,
        "opening_base_fee": 90.0,
        "closing_base_fee": 75.0,
        "original_base_payment": 3090,
        "opening_base_payment": 3090.0
      },
      {
        "period": 2,
        "date": "2027-01-01",
        "opening_principal": 15000,
        "principal_paid": 3000,
        "closing_principal": 12000,
        "original_base_fee": 90,
        "opening_base_fee": 75.0,
        "closing_base_fee": 60.0,
        "original_base_payment": 3090,
        "opening_base_payment": 3075.0
      },
      {
        "period": 3,
        "date": "2027-02-01",
        "opening_principal": 12000,
        "principal_paid": 3000,
        "closing_principal": 9000,
        "original_base_fee": 90,
        "opening_base_fee": 60.0,
        "closing_base_fee": 45.0,
        "original_base_payment": 3090,
        "opening_base_payment": 3060.0
      },
      {
        "period": 4,
        "date": "2027-03-01",
        "opening_principal": 9000,
        "principal_paid": 3000,
        "closing_principal": 6000,
        "original_base_fee": 90,
        "opening_base_fee": 45.0,
        "closing_base_fee": 30.0,
        "original_base_payment": 3090,
        "opening_base_payment": 3045.0
      },
      {
        "period": 5,
        "date": "2027-04-01",
        "opening_principal": 6000,
        "principal_paid": 3000,
        "closing_principal": 3000,
        "original_base_fee": 90,
        "opening_base_fee": 30.0,
        "closing_base_fee": 15.0,
        "original_base_payment": 3090,
        "opening_base_payment": 3030.0
      },
      {
        "period": 6,
        "date": "2027-05-01",
        "opening_principal": 3000,
        "principal_paid": 3000,
        "closing_principal": 0,
        "original_base_fee": 90,
        "opening_base_fee": 15.0,
        "closing_base_fee": 0.0,
        "original_base_payment": 3090,
        "opening_base_payment": 3015.0
      }
    ],
    "results": {
      "original_total_fee": 540,
      "opening_total_fee": 315,
      "closing_total_fee": 225,
      "original_minus_opening": 225,
      "opening_minus_closing": 90
    },
    "original_flows": [
      {
        "date": "2026-11-01",
        "amount": 18000.0,
        "event": "本金到账"
      },
      {
        "date": "2026-12-01",
        "amount": -3090.0,
        "event": "原始本金计费"
      },
      {
        "date": "2027-01-01",
        "amount": -3090.0,
        "event": "原始本金计费"
      },
      {
        "date": "2027-02-01",
        "amount": -3090.0,
        "event": "原始本金计费"
      },
      {
        "date": "2027-03-01",
        "amount": -3090.0,
        "event": "原始本金计费"
      },
      {
        "date": "2027-04-01",
        "amount": -3090.0,
        "event": "原始本金计费"
      },
      {
        "date": "2027-05-01",
        "amount": -3090.0,
        "event": "原始本金计费"
      }
    ],
    "opening_flows": [
      {
        "date": "2026-11-01",
        "amount": 18000.0,
        "event": "本金到账"
      },
      {
        "date": "2026-12-01",
        "amount": -3090.0,
        "event": "期初剩余本金计费"
      },
      {
        "date": "2027-01-01",
        "amount": -3075.0,
        "event": "期初剩余本金计费"
      },
      {
        "date": "2027-02-01",
        "amount": -3060.0,
        "event": "期初剩余本金计费"
      },
      {
        "date": "2027-03-01",
        "amount": -3045.0,
        "event": "期初剩余本金计费"
      },
      {
        "date": "2027-04-01",
        "amount": -3030.0,
        "event": "期初剩余本金计费"
      },
      {
        "date": "2027-05-01",
        "amount": -3015.0,
        "event": "期初剩余本金计费"
      }
    ],
    "original_rate": {
      "xirr_pct": 10.771645225470106,
      "xnpv_residual_yuan": 4.547473508864641e-13,
      "relative_residual": 1.2445192963504766e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "opening_rate": {
      "xirr_pct": 6.205048407392411,
      "xnpv_residual_yuan": 4.547473508864641e-13,
      "relative_residual": 1.252230072659959e-17,
      "basis": "实际天数/固定365天；有限区间二分所得一个根，不宣称枚举所有根或监管口径认定"
    },
    "disclosure": "全部金额、日期、退款、优惠、保险和收费条款为已确认条件的教学构造，不代表真实机构政策。"
  }
}