{
  "DJ2-100": {
    "inputs": {
      "decision_date": "2026-11-01",
      "past_premium_total": 40000,
      "current_net_surrender": 28000,
      "future_premiums_total": 30000,
      "terminal_date": "2036-11-01",
      "terminal_net_cash": 85000
    },
    "historical": {
      "flows": [
        {
          "date": "2022-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2023-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2024-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2025-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2026-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 85000.0,
          "event": "条件末期净回款"
        }
      ],
      "xirr_pct": 1.773595578110132,
      "root_unrounded": 0.01773595578110132,
      "xnpv_residual_yuan": -4.001776687800884e-11,
      "relative_residual": 3.0114749424396915e-16,
      "sum_negative_yuan": 70000.0,
      "sum_positive_yuan": 85000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "forward_incremental": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -28000.0,
          "event": "放弃当日可退净现金的机会成本"
        },
        {
          "date": "2026-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 85000.0,
          "event": "条件末期净回款"
        }
      ],
      "xirr_pct": 4.104234661819984,
      "root_unrounded": 0.04104234661819983,
      "xnpv_residual_yuan": -9.276845958083868e-11,
      "relative_residual": 8.161668607759019e-16,
      "sum_negative_yuan": 58000.0,
      "sum_positive_yuan": 85000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "paths": [
      {
        "date": "2026-11-01",
        "exit": 28000,
        "continue": -10000,
        "incremental": -38000
      },
      {
        "date": "2027-11-01",
        "exit": 0,
        "continue": -10000,
        "incremental": -10000
      },
      {
        "date": "2028-11-01",
        "exit": 0,
        "continue": -10000,
        "incremental": -10000
      },
      {
        "date": "2036-11-01",
        "exit": 0,
        "continue": 85000,
        "incremental": 85000
      }
    ]
  },
  "DJ2-101": {
    "inputs": {
      "guaranteed_terminal": 82000,
      "non_guaranteed_extra": 34000,
      "illustrated_terminal": 116000,
      "terminal_date": "2041-11-01",
      "status": "保证与非保证标签均为构造条款分类，不来自真实产品"
    },
    "guaranteed": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2041-11-01",
          "amount": 82000.0,
          "event": "构造保证路径条件回款"
        }
      ],
      "xirr_pct": 2.2534788655378724,
      "root_unrounded": 0.022534788655378724,
      "xnpv_residual_yuan": 1.0186340659856796e-10,
      "relative_residual": 8.678642457183401e-16,
      "sum_negative_yuan": 60000.0,
      "sum_positive_yuan": 82000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "illustrated": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2041-11-01",
          "amount": 116000.0,
          "event": "构造条件演示路径，非保证"
        }
      ],
      "xirr_pct": 4.812464272627793,
      "root_unrounded": 0.04812464272627792,
      "xnpv_residual_yuan": -1.4551915228366852e-10,
      "relative_residual": 1.2701349110687264e-15,
      "sum_negative_yuan": 60000.0,
      "sum_positive_yuan": 116000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "wrong_double_add": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2041-11-01",
          "amount": 198000.0,
          "event": "误将演示总额再加保证金额"
        }
      ],
      "xirr_pct": 8.876777781293576,
      "root_unrounded": 0.08876777781293577,
      "xnpv_residual_yuan": 6.548361852765083e-11,
      "relative_residual": 5.92749429817609e-16,
      "sum_negative_yuan": 60000.0,
      "sum_positive_yuan": 198000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    }
  },
  "DJ2-102": {
    "inputs": {
      "application_date": "2026-11-10",
      "effective_date": "2026-11-17",
      "tenth_year_start": "2035-11-17",
      "tenth_anniversary": "2036-11-17",
      "actual_receipt": "2036-11-24",
      "terminal_yuan": 46000
    },
    "date_map": [
      {
        "label": "生效日",
        "date": "2026-11-17",
        "days_from_effective": 0
      },
      {
        "label": "首年度最后日",
        "date": "2027-11-16",
        "days_from_effective": 364
      },
      {
        "label": "第二年度开始",
        "date": "2027-11-17",
        "days_from_effective": 365
      },
      {
        "label": "第十年度开始",
        "date": "2035-11-17",
        "days_from_effective": 3287
      },
      {
        "label": "第十周年",
        "date": "2036-11-17",
        "days_from_effective": 3653
      },
      {
        "label": "实际到账",
        "date": "2036-11-24",
        "days_from_effective": 3660
      }
    ],
    "actual": {
      "flows": [
        {
          "date": "2026-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-24",
          "amount": 46000.0,
          "event": "已确认到账"
        }
      ],
      "xirr_pct": 2.749999992393881,
      "root_unrounded": 0.02749999992393881,
      "xnpv_residual_yuan": -4.3655745685100555e-11,
      "relative_residual": 6.228660768013396e-16,
      "sum_negative_yuan": 36000.0,
      "sum_positive_yuan": 46000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "anniversary": {
      "flows": [
        {
          "date": "2026-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-17",
          "amount": 46000.0,
          "event": "周年当天到账对照"
        }
      ],
      "xirr_pct": 2.7559232242626464,
      "root_unrounded": 0.027559232242626464,
      "xnpv_residual_yuan": 0.0,
      "relative_residual": 0.0,
      "sum_negative_yuan": 36000.0,
      "sum_positive_yuan": 46000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "year_start_mistake": {
      "flows": [
        {
          "date": "2026-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-17",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2035-11-17",
          "amount": 46000.0,
          "event": "错用第十年度起点"
        }
      ],
      "xirr_pct": 3.105626198671063,
      "root_unrounded": 0.03105626198671063,
      "xnpv_residual_yuan": 7.275957614183426e-12,
      "relative_residual": 1.0416369833768462e-16,
      "sum_negative_yuan": 36000.0,
      "sum_positive_yuan": 46000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    }
  },
  "DJ2-103": {
    "inputs": {
      "years": 3,
      "annual_total_premium": 12000,
      "annual_main_premium": 10000,
      "annual_rider_premium": 2000,
      "terminal_date": "2036-11-01",
      "main_terminal": 40000
    },
    "rows": [
      {
        "date": "2026-11-01",
        "total_premium": 12000,
        "main_premium": 10000,
        "rider_premium": 2000
      },
      {
        "date": "2027-11-01",
        "total_premium": 12000,
        "main_premium": 10000,
        "rider_premium": 2000
      },
      {
        "date": "2028-11-01",
        "total_premium": 12000,
        "main_premium": 10000,
        "rider_premium": 2000
      }
    ],
    "total": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -12000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 40000.0,
          "event": "主险条件回款；未发生附加险事故"
        }
      ],
      "xirr_pct": 1.176077604063741,
      "root_unrounded": 0.01176077604063741,
      "xnpv_residual_yuan": 4.001776687800884e-11,
      "relative_residual": 5.623192942305791e-16,
      "sum_negative_yuan": 36000.0,
      "sum_positive_yuan": 40000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "main_only": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 40000.0,
          "event": "可明确归属主险的回款"
        }
      ],
      "xirr_pct": 3.241527796211219,
      "root_unrounded": 0.03241527796211219,
      "xnpv_residual_yuan": -4.547473508864641e-11,
      "relative_residual": 7.822368841645622e-16,
      "sum_negative_yuan": 30000.0,
      "sum_positive_yuan": 40000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "unsplit_case": {
      "main_premium": null,
      "main_xirr_pct": null,
      "status": "缺少正式分项，禁止以比例猜拆"
    }
  },
  "DJ2-104": {
    "inputs": {
      "terminal_date": "2036-11-01",
      "surrender_net_cash": 58000,
      "claim_net_cash": 120000,
      "exclusive_condition": "本构造条款明确结算路径互斥，同日不叠加，不用于判断真实事故理赔"
    },
    "surrender": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 58000.0,
          "event": "未发生事故的构造退出路径"
        }
      ],
      "xirr_pct": 2.854539889597618,
      "root_unrounded": 0.028545398895976182,
      "xnpv_residual_yuan": 7.09405867382884e-11,
      "relative_residual": 8.105352579612049e-16,
      "sum_negative_yuan": 45000.0,
      "sum_positive_yuan": 58000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "claim": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 120000.0,
          "event": "仅假设事故符合条款且款项当日已付的条件路径"
        }
      ],
      "xirr_pct": 11.455651503074849,
      "root_unrounded": 0.11455651503074848,
      "xnpv_residual_yuan": -5.093170329928398e-11,
      "relative_residual": 6.283260239029459e-16,
      "sum_negative_yuan": 45000.0,
      "sum_positive_yuan": 120000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "wrong_added": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -15000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 178000.0,
          "event": "误将互斥路径相加"
        }
      ],
      "xirr_pct": 16.394342514148452,
      "root_unrounded": 0.16394342514148452,
      "xnpv_residual_yuan": 1.8189894035458565e-11,
      "relative_residual": 2.3347521885858165e-16,
      "sum_negative_yuan": 45000.0,
      "sum_positive_yuan": 178000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "pending_claim": {
      "terminal_cash": null,
      "xirr_pct": null,
      "status": "待确定条件或到账日期，不填零也不先填赔款"
    }
  },
  "DJ2-105": {
    "inputs": {
      "base_terminal": 60000,
      "bonuses_each": 2000,
      "bonus_count": 3,
      "included_terminal": 66000,
      "separate_bonus_account_terminal": 6300,
      "terminal_date": "2031-11-01"
    },
    "cash_paid": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -50000.0,
          "event": "一次性保费"
        },
        {
          "date": "2027-11-01",
          "amount": 2000.0,
          "event": "构造红利实际领到外部"
        },
        {
          "date": "2028-11-01",
          "amount": 2000.0,
          "event": "构造红利实际领到外部"
        },
        {
          "date": "2029-11-01",
          "amount": 2000.0,
          "event": "构造红利实际领到外部"
        },
        {
          "date": "2031-11-01",
          "amount": 60000.0,
          "event": "不含已外领红利的末期净额"
        }
      ],
      "xirr_pct": 6.078649639669209,
      "root_unrounded": 0.06078649639669209,
      "xnpv_residual_yuan": 2.2737367544323206e-13,
      "relative_residual": 2.2737367544323208e-18,
      "sum_negative_yuan": 50000.0,
      "sum_positive_yuan": 66000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "included": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -50000.0,
          "event": "一次性保费"
        },
        {
          "date": "2031-11-01",
          "amount": 66000.0,
          "event": "明确已经包含留存红利的末期净额"
        }
      ],
      "xirr_pct": 5.7064723886430695,
      "root_unrounded": 0.05706472388643069,
      "xnpv_residual_yuan": -2.9103830456733704e-11,
      "relative_residual": 2.910383045673371e-16,
      "sum_negative_yuan": 50000.0,
      "sum_positive_yuan": 66000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "separate_account": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -50000.0,
          "event": "一次性保费"
        },
        {
          "date": "2031-11-01",
          "amount": 66300.0,
          "event": "基础净额60000加未包含的红利账户6300"
        }
      ],
      "xirr_pct": 5.802342379954217,
      "root_unrounded": 0.05802342379954217,
      "xnpv_residual_yuan": 1.4551915228366852e-11,
      "relative_residual": 1.455191522836685e-16,
      "sum_negative_yuan": 50000.0,
      "sum_positive_yuan": 66300.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "wrong_double": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -50000.0,
          "event": "一次性保费"
        },
        {
          "date": "2027-11-01",
          "amount": 2000.0,
          "event": "构造红利实际领到外部"
        },
        {
          "date": "2028-11-01",
          "amount": 2000.0,
          "event": "构造红利实际领到外部"
        },
        {
          "date": "2029-11-01",
          "amount": 2000.0,
          "event": "构造红利实际领到外部"
        },
        {
          "date": "2031-11-01",
          "amount": 66000.0,
          "event": "错误保留包含红利终值并虚增外部领取"
        }
      ],
      "xirr_pct": 8.028788834160439,
      "root_unrounded": 0.08028788834160439,
      "xnpv_residual_yuan": -3.774403012357652e-11,
      "relative_residual": 3.7744030123576537e-16,
      "sum_negative_yuan": 50000.0,
      "sum_positive_yuan": 72000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    }
  },
  "DJ2-106": {
    "inputs": {
      "current_surrender_net": 30000,
      "continue_terminal": 80000,
      "paidup_terminal": 43000,
      "continue_claim_amount": 100000,
      "paidup_claim_amount": 60000,
      "future_premium_total": 30000,
      "status": "可办理选项、未来保费和变更后权益均为构造已确认输入，不能从当前现金价值线性折算"
    },
    "continue": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -30000.0,
          "event": "当前可退净额的机会成本"
        },
        {
          "date": "2026-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 80000.0,
          "event": "继续缴费路径条件末期净额"
        }
      ],
      "xirr_pct": 3.0691301749013467,
      "root_unrounded": 0.030691301749013467,
      "xnpv_residual_yuan": 3.092281986027956e-11,
      "relative_residual": 2.6154903600474197e-16,
      "sum_negative_yuan": 60000.0,
      "sum_positive_yuan": 80000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "paid_up": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -30000.0,
          "event": "当前可退净额的机会成本"
        },
        {
          "date": "2036-11-01",
          "amount": 43000.0,
          "event": "构造已确认减额交清路径条件末期净额"
        }
      ],
      "xirr_pct": 3.6625481665918502,
      "root_unrounded": 0.0366254816659185,
      "xnpv_residual_yuan": -1.4551915228366852e-11,
      "relative_residual": 2.425319204727809e-16,
      "sum_negative_yuan": 30000.0,
      "sum_positive_yuan": 43000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "continue_minus_paid_up": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 37000.0,
          "event": "同日期继续比交清多的条件净额"
        }
      ],
      "xirr_pct": 2.353600025054259,
      "root_unrounded": 0.023536000250542588,
      "xnpv_residual_yuan": -5.275069270282984e-11,
      "relative_residual": 8.9972691252592e-16,
      "sum_negative_yuan": 30000.0,
      "sum_positive_yuan": 37000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    }
  },
  "DJ2-107": {
    "inputs": {
      "withdrawal_date": "2031-11-01",
      "withdrawal_net": 15000,
      "old_terminal": 85000,
      "updated_terminal": 62000,
      "terminal_date": "2036-11-01",
      "terminal_reduction": 23000,
      "unsupported_linear_guess_terminal": 70000
    },
    "no_withdrawal": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2036-11-01",
          "amount": 85000.0,
          "event": "未发生领取的原有效表"
        }
      ],
      "xirr_pct": 3.9369241581266423,
      "root_unrounded": 0.03936924158126642,
      "xnpv_residual_yuan": 9.458744898438454e-11,
      "relative_residual": 8.188814445207143e-16,
      "sum_negative_yuan": 60000.0,
      "sum_positive_yuan": 85000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "updated": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2031-11-01",
          "amount": 15000.0,
          "event": "构造已确认净领取"
        },
        {
          "date": "2036-11-01",
          "amount": 62000.0,
          "event": "领取后有效表净额"
        }
      ],
      "xirr_pct": 3.1757471222863543,
      "root_unrounded": 0.03175747122286354,
      "xnpv_residual_yuan": -3.2741809263825417e-11,
      "relative_residual": 2.814294750252324e-16,
      "sum_negative_yuan": 60000.0,
      "sum_positive_yuan": 77000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "wrong_old_table": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2031-11-01",
          "amount": 15000.0,
          "event": "构造已确认净领取"
        },
        {
          "date": "2036-11-01",
          "amount": 85000.0,
          "event": "错误继续使用原终值"
        }
      ],
      "xirr_pct": 6.4520226858135405,
      "root_unrounded": 0.06452022685813541,
      "xnpv_residual_yuan": 3.637978807091713e-11,
      "relative_residual": 3.2232230379192506e-16,
      "sum_negative_yuan": 60000.0,
      "sum_positive_yuan": 100000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "missing_updated": {
      "terminal": null,
      "xirr_pct": null,
      "known_flows": [
        {
          "date": "2026-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2027-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2028-11-01",
          "amount": -20000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2031-11-01",
          "amount": 15000.0,
          "event": "构造已确认净领取"
        }
      ],
      "status": "没有变更后有效利益数据，停止完整收益输出"
    }
  },
  "DJ2-108": {
    "inputs": {
      "principal": 20000,
      "annual_simple_rate_pct": 6,
      "direct_fee": 50,
      "day_basis": 365,
      "start": "2026-11-01",
      "interest_payment": "2027-02-01",
      "repayment": "2027-05-01",
      "policy_terminal": 60000
    },
    "interest_rows": [
      {
        "start": "2026-11-01",
        "end": "2027-02-01",
        "days": 92,
        "principal": 20000,
        "interest": 302.47
      },
      {
        "start": "2027-02-01",
        "end": "2027-05-01",
        "days": 89,
        "principal": 20000,
        "interest": 292.6
      }
    ],
    "loan": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": 19950.0,
          "event": "贷款20000到账同时另付构造直接费50"
        },
        {
          "date": "2027-02-01",
          "amount": -302.47,
          "event": "付首段利息"
        },
        {
          "date": "2027-05-01",
          "amount": -20292.6,
          "event": "付本金及后段利息"
        }
      ],
      "xirr_pct": 6.6778201840762215,
      "root_unrounded": 0.06677820184076222,
      "xnpv_residual_yuan": -2.7284841053187847e-12,
      "relative_residual": 6.838306028367881e-17,
      "sum_negative_yuan": 20595.07,
      "sum_positive_yuan": 19950.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "loan_no_fee": {
      "flows": [
        {
          "date": "2026-11-01",
          "amount": 20000.0,
          "event": "不收直接费对照"
        },
        {
          "date": "2027-02-01",
          "amount": -302.47,
          "event": "付首段利息"
        },
        {
          "date": "2027-05-01",
          "amount": -20292.6,
          "event": "付本金及后段利息"
        }
      ],
      "xirr_pct": 6.136737945601157,
      "root_unrounded": 0.06136737945601156,
      "xnpv_residual_yuan": 7.389644451905042e-13,
      "relative_residual": 1.8474111129762604e-17,
      "sum_negative_yuan": 20595.07,
      "sum_positive_yuan": 20000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "policy_without_loan": {
      "flows": [
        {
          "date": "2024-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2025-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2026-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2030-11-01",
          "amount": 60000.0,
          "event": "贷款已经还清的构造保单路径末期净额"
        }
      ],
      "xirr_pct": 14.717159492394105,
      "root_unrounded": 0.14717159492394105,
      "xnpv_residual_yuan": 2.8194335754960775e-11,
      "relative_residual": 5.356909335568866e-16,
      "sum_negative_yuan": 30000.0,
      "sum_positive_yuan": 60000.0,
      "basis": "真实日期日差/固定365；有限区间二分所得一个根，不声称多变号现金流唯一解"
    },
    "results": {
      "total_days": 181,
      "total_interest": 595.07,
      "total_cost": 645.07,
      "total_outflows": 20595.07,
      "net_funds_received": 19950
    },
    "combined": {
      "flows": [
        {
          "date": "2024-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2025-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2026-11-01",
          "amount": -10000.0,
          "event": "构造已确认保费"
        },
        {
          "date": "2026-11-01",
          "amount": 19950.0,
          "event": "贷款20000到账同时另付构造直接费50"
        },
        {
          "date": "2027-02-01",
          "amount": -302.47,
          "event": "付首段利息"
        },
        {
          "date": "2027-05-01",
          "amount": -20292.6,
          "event": "付本金及后段利息"
        },
        {
          "date": "2030-11-01",
          "amount": 60000.0,
          "event": "贷款已经还清的构造保单路径末期净额"
        }
      ],
      "same_day_2026_11_01_net": 9950,
      "xirr_pct": null,
      "status": "贷款与保单合并出现多次符号变化；本文不输出综合年化，不声称单根唯一或成本可抵消"
    }
  }
}