{
  "DJ3-089": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "opening": "10000",
      "period": [
        "2026-04-01",
        "2026-05-01"
      ],
      "events": [
        {
          "booking_date": "2026-04-01",
          "value_date": "2026-04-01",
          "amount": "2000"
        },
        {
          "booking_date": "2026-04-01",
          "value_date": "2026-04-01",
          "amount": "-500"
        },
        {
          "booking_date": "2026-04-05",
          "value_date": "2026-04-05",
          "amount": "3000"
        },
        {
          "booking_date": "2026-04-05",
          "value_date": "2026-04-05",
          "amount": "-1000"
        },
        {
          "booking_date": "2026-04-10",
          "value_date": "2026-04-10",
          "amount": "-4000"
        },
        {
          "booking_date": "2026-04-12",
          "value_date": "2026-04-12",
          "amount": "500"
        },
        {
          "booking_date": "2026-04-17",
          "value_date": "2026-04-17",
          "amount": "6000"
        },
        {
          "booking_date": "2026-04-17",
          "value_date": "2026-04-17",
          "amount": "-1000"
        },
        {
          "booking_date": "2026-04-20",
          "value_date": "2026-04-12",
          "amount": "-500"
        },
        {
          "booking_date": "2026-04-23",
          "value_date": "2026-04-23",
          "amount": "-2500"
        },
        {
          "booking_date": "2026-04-28",
          "value_date": "2026-04-28",
          "amount": "1000"
        }
      ],
      "assumptions": [
        "日终余额；当日全部交易先净额入余额",
        "冲正回溯价值日，12日误入500元从12日至19日均剔除"
      ],
      "annual_rate": "0.001",
      "denominator": 365
    },
    "tables": {
      "daily": [
        {
          "date": "2026-04-01",
          "book_balance": "11500",
          "interest_balance": "11500",
          "day_product": "11500",
          "cumulative_product": "11500"
        },
        {
          "date": "2026-04-02",
          "book_balance": "11500",
          "interest_balance": "11500",
          "day_product": "11500",
          "cumulative_product": "23000"
        },
        {
          "date": "2026-04-03",
          "book_balance": "11500",
          "interest_balance": "11500",
          "day_product": "11500",
          "cumulative_product": "34500"
        },
        {
          "date": "2026-04-04",
          "book_balance": "11500",
          "interest_balance": "11500",
          "day_product": "11500",
          "cumulative_product": "46000"
        },
        {
          "date": "2026-04-05",
          "book_balance": "13500",
          "interest_balance": "13500",
          "day_product": "13500",
          "cumulative_product": "59500"
        },
        {
          "date": "2026-04-06",
          "book_balance": "13500",
          "interest_balance": "13500",
          "day_product": "13500",
          "cumulative_product": "73000"
        },
        {
          "date": "2026-04-07",
          "book_balance": "13500",
          "interest_balance": "13500",
          "day_product": "13500",
          "cumulative_product": "86500"
        },
        {
          "date": "2026-04-08",
          "book_balance": "13500",
          "interest_balance": "13500",
          "day_product": "13500",
          "cumulative_product": "100000"
        },
        {
          "date": "2026-04-09",
          "book_balance": "13500",
          "interest_balance": "13500",
          "day_product": "13500",
          "cumulative_product": "113500"
        },
        {
          "date": "2026-04-10",
          "book_balance": "9500",
          "interest_balance": "9500",
          "day_product": "9500",
          "cumulative_product": "123000"
        },
        {
          "date": "2026-04-11",
          "book_balance": "9500",
          "interest_balance": "9500",
          "day_product": "9500",
          "cumulative_product": "132500"
        },
        {
          "date": "2026-04-12",
          "book_balance": "10000",
          "interest_balance": "9500",
          "day_product": "9500",
          "cumulative_product": "142000"
        },
        {
          "date": "2026-04-13",
          "book_balance": "10000",
          "interest_balance": "9500",
          "day_product": "9500",
          "cumulative_product": "151500"
        },
        {
          "date": "2026-04-14",
          "book_balance": "10000",
          "interest_balance": "9500",
          "day_product": "9500",
          "cumulative_product": "161000"
        },
        {
          "date": "2026-04-15",
          "book_balance": "10000",
          "interest_balance": "9500",
          "day_product": "9500",
          "cumulative_product": "170500"
        },
        {
          "date": "2026-04-16",
          "book_balance": "10000",
          "interest_balance": "9500",
          "day_product": "9500",
          "cumulative_product": "180000"
        },
        {
          "date": "2026-04-17",
          "book_balance": "15000",
          "interest_balance": "14500",
          "day_product": "14500",
          "cumulative_product": "194500"
        },
        {
          "date": "2026-04-18",
          "book_balance": "15000",
          "interest_balance": "14500",
          "day_product": "14500",
          "cumulative_product": "209000"
        },
        {
          "date": "2026-04-19",
          "book_balance": "15000",
          "interest_balance": "14500",
          "day_product": "14500",
          "cumulative_product": "223500"
        },
        {
          "date": "2026-04-20",
          "book_balance": "14500",
          "interest_balance": "14500",
          "day_product": "14500",
          "cumulative_product": "238000"
        },
        {
          "date": "2026-04-21",
          "book_balance": "14500",
          "interest_balance": "14500",
          "day_product": "14500",
          "cumulative_product": "252500"
        },
        {
          "date": "2026-04-22",
          "book_balance": "14500",
          "interest_balance": "14500",
          "day_product": "14500",
          "cumulative_product": "267000"
        },
        {
          "date": "2026-04-23",
          "book_balance": "12000",
          "interest_balance": "12000",
          "day_product": "12000",
          "cumulative_product": "279000"
        },
        {
          "date": "2026-04-24",
          "book_balance": "12000",
          "interest_balance": "12000",
          "day_product": "12000",
          "cumulative_product": "291000"
        },
        {
          "date": "2026-04-25",
          "book_balance": "12000",
          "interest_balance": "12000",
          "day_product": "12000",
          "cumulative_product": "303000"
        },
        {
          "date": "2026-04-26",
          "book_balance": "12000",
          "interest_balance": "12000",
          "day_product": "12000",
          "cumulative_product": "315000"
        },
        {
          "date": "2026-04-27",
          "book_balance": "12000",
          "interest_balance": "12000",
          "day_product": "12000",
          "cumulative_product": "327000"
        },
        {
          "date": "2026-04-28",
          "book_balance": "13000",
          "interest_balance": "13000",
          "day_product": "13000",
          "cumulative_product": "340000"
        },
        {
          "date": "2026-04-29",
          "book_balance": "13000",
          "interest_balance": "13000",
          "day_product": "13000",
          "cumulative_product": "353000"
        },
        {
          "date": "2026-04-30",
          "book_balance": "13000",
          "interest_balance": "13000",
          "day_product": "13000",
          "cumulative_product": "366000"
        }
      ],
      "compressed": [
        {
          "start": "2026-04-01",
          "end": "2026-04-05",
          "days": 4,
          "balance": "11500",
          "product": "46000"
        },
        {
          "start": "2026-04-05",
          "end": "2026-04-10",
          "days": 5,
          "balance": "13500",
          "product": "67500"
        },
        {
          "start": "2026-04-10",
          "end": "2026-04-17",
          "days": 7,
          "balance": "9500",
          "product": "66500"
        },
        {
          "start": "2026-04-17",
          "end": "2026-04-23",
          "days": 6,
          "balance": "14500",
          "product": "87000"
        },
        {
          "start": "2026-04-23",
          "end": "2026-04-28",
          "days": 5,
          "balance": "12000",
          "product": "60000"
        },
        {
          "start": "2026-04-28",
          "end": "2026-05-01",
          "days": 3,
          "balance": "13000",
          "product": "39000"
        }
      ]
    },
    "comparison": {
      "effective_product": "366000",
      "book_product": "370000",
      "correction_product": "4000",
      "interest": "1.00",
      "wrong_end_balance_product": "390000",
      "wrong_end_balance_interest": "1.07"
    },
    "checks": {
      "daily_equals_compressed": true,
      "correction_500_times_8": true,
      "zero_rate_zero": true,
      "same_day_net_1500": true
    }
  },
  "DJ3-090": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "principal": "100000",
      "annual_rate": "0.0018",
      "denominator": 360,
      "q1_days": 90,
      "q2_days": 92,
      "credit_date": "2026-03-21",
      "transfer_date": "2026-04-01",
      "transfer_amount": "45.00",
      "assumptions": [
        "每季末月20日结息，次日入账并计入本金是构造",
        "期内应计息不入本；第二季新息6月21日入账"
      ]
    },
    "tables": {
      "segments": [
        {
          "start": "2025-12-21",
          "end": "2026-03-21",
          "days": 90,
          "principal": "100000",
          "interest_raw": "45.0000",
          "event": "3月20日结息；构造3月21日入账45元"
        },
        {
          "start": "2026-03-21",
          "end": "2026-04-01",
          "days": 11,
          "principal": "100045.00",
          "interest_raw": "5.502475",
          "event": "已入账利息尚未转出"
        },
        {
          "start": "2026-04-01",
          "end": "2026-06-21",
          "days": 81,
          "principal": "100000",
          "interest_raw": "40.5000",
          "event": "4月1日仅转出前季45元"
        }
      ],
      "events": [
        {
          "date": "2026-03-20",
          "state": "未入账应付息",
          "interest": "45.00",
          "principal": "100000.00"
        },
        {
          "date": "2026-03-21",
          "state": "已入账",
          "interest": "0.00",
          "principal": "100045.00"
        },
        {
          "date": "2026-04-01",
          "state": "前息已转出",
          "interest": "0.00",
          "principal": "100000.00"
        },
        {
          "date": "2026-06-21",
          "state": "第二季结息入账",
          "interest": "46.00",
          "principal": "100046.00"
        }
      ]
    },
    "comparison": {
      "q1": "45.00",
      "q2": "46.00",
      "q2_raw": "46.002475",
      "q2_keep_all_prior_interest": "46.02",
      "q2_no_prior_interest": "46.00",
      "wrong_q1_daily_compound": "45.01",
      "wrong_q1_daily_compound_raw": "45.01001396865971311011914373252465050158845655",
      "final_account": "100046.00",
      "cash_transferred": "45.00",
      "total_assets": "100091.00"
    },
    "checks": {
      "q1_45": true,
      "q2_days_close": true,
      "assets_close": true,
      "zero_rate_no_transfer": true
    }
  },
  "DJ3-091": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "currency_account": "人民币个人账户构造样本",
      "rate_dates": [
        {
          "date": "2026-03-21",
          "rate": "0.002"
        },
        {
          "date": "2026-05-01",
          "rate": "0.001"
        }
      ],
      "settlement_date": "2026-06-20",
      "credit_date_assumed": "2026-06-21",
      "denominator": 360,
      "rule_A": "结息日利率对本周期全部积数定率",
      "rule_B": "另一份纯构造合同，按挂牌生效日分段，不称工行个人活期规则"
    },
    "tables": {
      "matrix": [
        {
          "start": "2026-03-21",
          "end": "2026-04-01",
          "days": 11,
          "balance": "80000",
          "product": "880000",
          "uniform_rate": "0.001",
          "uniform_interest_raw": "2.4444444444444444444444444444444444444444444444444",
          "segmented_rate": "0.002",
          "segmented_interest_raw": "4.8888888888888888888888888888888888888888888888889"
        },
        {
          "start": "2026-04-01",
          "end": "2026-05-01",
          "days": 30,
          "balance": "100000",
          "product": "3000000",
          "uniform_rate": "0.001",
          "uniform_interest_raw": "8.3333333333333333333333333333333333333333333333333",
          "segmented_rate": "0.002",
          "segmented_interest_raw": "16.666666666666666666666666666666666666666666666667"
        },
        {
          "start": "2026-05-01",
          "end": "2026-06-21",
          "days": 51,
          "balance": "100000",
          "product": "5100000",
          "uniform_rate": "0.001",
          "uniform_interest_raw": "14.166666666666666666666666666666666666666666666667",
          "segmented_rate": "0.001",
          "segmented_interest_raw": "14.166666666666666666666666666666666666666666666667"
        }
      ]
    },
    "comparison": {
      "product": "8980000",
      "uniform": "24.94",
      "segmented": "35.72",
      "difference_raw": "10.777777777777777777777777777777777777777777777779",
      "difference": "10.78",
      "missing_rule": "拒绝选定唯一应付金额；只保留情景A/B",
      "equal_rate_scenario": "全部0.001时两种规则均为24.94"
    },
    "checks": {
      "days_92": true,
      "same_product": true,
      "difference_old_product": true,
      "zero_balance_zero": true
    }
  },
  "DJ3-092": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "monthly_amount": "1000",
      "dates": "2026年每月1日至共同到期2027-01-01",
      "annual_rate": ".012",
      "daily_contract": "实际日数/365，末期一次舍入",
      "monthly_alternative": "另立每月/12合同，不能拼进实际日模型"
    },
    "tables": {
      "tranches": [
        {
          "scheduled_month": 1,
          "actual_date": "2026-01-01",
          "amount": "1000",
          "days": 365,
          "product": "365000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "12.000"
        },
        {
          "scheduled_month": 2,
          "actual_date": "2026-02-01",
          "amount": "1000",
          "days": 334,
          "product": "334000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.980821917808219178082191780821917808219178082192"
        },
        {
          "scheduled_month": 3,
          "actual_date": "2026-03-01",
          "amount": "1000",
          "days": 306,
          "product": "306000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.060273972602739726027397260273972602739726027397"
        },
        {
          "scheduled_month": 4,
          "actual_date": "2026-04-01",
          "amount": "1000",
          "days": 275,
          "product": "275000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "9.0410958904109589041095890410958904109589041095890"
        },
        {
          "scheduled_month": 5,
          "actual_date": "2026-05-01",
          "amount": "1000",
          "days": 245,
          "product": "245000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "8.0547945205479452054794520547945205479452054794521"
        },
        {
          "scheduled_month": 6,
          "actual_date": "2026-06-01",
          "amount": "1000",
          "days": 214,
          "product": "214000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "7.0356164383561643835616438356164383561643835616438"
        },
        {
          "scheduled_month": 7,
          "actual_date": "2026-07-01",
          "amount": "1000",
          "days": 184,
          "product": "184000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "6.0493150684931506849315068493150684931506849315068"
        },
        {
          "scheduled_month": 8,
          "actual_date": "2026-08-01",
          "amount": "1000",
          "days": 153,
          "product": "153000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "5.0301369863013698630136986301369863013698630136986"
        },
        {
          "scheduled_month": 9,
          "actual_date": "2026-09-01",
          "amount": "1000",
          "days": 122,
          "product": "122000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "4.0109589041095890410958904109589041095890410958904"
        },
        {
          "scheduled_month": 10,
          "actual_date": "2026-10-01",
          "amount": "1000",
          "days": 92,
          "product": "92000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "3.0246575342465753424657534246575342465753424657534"
        },
        {
          "scheduled_month": 11,
          "actual_date": "2026-11-01",
          "amount": "1000",
          "days": 61,
          "product": "61000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "2.0054794520547945205479452054794520547945205479452"
        },
        {
          "scheduled_month": 12,
          "actual_date": "2026-12-01",
          "amount": "1000",
          "days": 31,
          "product": "31000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "1.0191780821917808219178082191780821917808219178082"
        }
      ],
      "alternative_monthly": [
        {
          "month": 1,
          "remaining_months": 12,
          "amount": "1000",
          "interest_raw": "12.000"
        },
        {
          "month": 2,
          "remaining_months": 11,
          "amount": "1000",
          "interest_raw": "11.000"
        },
        {
          "month": 3,
          "remaining_months": 10,
          "amount": "1000",
          "interest_raw": "10.000"
        },
        {
          "month": 4,
          "remaining_months": 9,
          "amount": "1000",
          "interest_raw": "9.000"
        },
        {
          "month": 5,
          "remaining_months": 8,
          "amount": "1000",
          "interest_raw": "8.000"
        },
        {
          "month": 6,
          "remaining_months": 7,
          "amount": "1000",
          "interest_raw": "7.000"
        },
        {
          "month": 7,
          "remaining_months": 6,
          "amount": "1000",
          "interest_raw": "6.000"
        },
        {
          "month": 8,
          "remaining_months": 5,
          "amount": "1000",
          "interest_raw": "5.000"
        },
        {
          "month": 9,
          "remaining_months": 4,
          "amount": "1000",
          "interest_raw": "4.000"
        },
        {
          "month": 10,
          "remaining_months": 3,
          "amount": "1000",
          "interest_raw": "3.000"
        },
        {
          "month": 11,
          "remaining_months": 2,
          "amount": "1000",
          "interest_raw": "2.000"
        },
        {
          "month": 12,
          "remaining_months": 1,
          "amount": "1000",
          "interest_raw": "1.000"
        }
      ]
    },
    "comparison": {
      "principal": "12000",
      "product": "2382000",
      "daily_interest_raw": "78.312328767123287671232876712328767123287671232877",
      "daily_interest": "78.31",
      "monthly_interest": "78.00",
      "wrong_full_year_interest": "144.00",
      "wrong_excess": "65.69"
    },
    "checks": {
      "twelve_thousand": true,
      "last_month_31": true,
      "month_total_78": true,
      "zero_amount_zero": true
    }
  },
  "DJ3-093": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "schedule": "2026年1月至12月每月1日计划1000元；2027-01-01共同支取",
      "missing_month": 4,
      "timely_catchup": "5月1日一笔2000，标记4月补款与5月款各1000",
      "unfilled": "4月0，5月1日1000，6月至12月各1000；无第二笔4月补款",
      "assumed_breach_effective": "2026-06-01；5月原始款仍定期；此认定时点需银行确认",
      "fixed_rate": ".012",
      "active_rate": ".001",
      "denominator": 365
    },
    "tables": {
      "按时": [
        {
          "scheduled_month": 1,
          "actual_date": "2026-01-01",
          "amount": "1000",
          "days": 365,
          "product": "365000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "12.000"
        },
        {
          "scheduled_month": 2,
          "actual_date": "2026-02-01",
          "amount": "1000",
          "days": 334,
          "product": "334000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.980821917808219178082191780821917808219178082192"
        },
        {
          "scheduled_month": 3,
          "actual_date": "2026-03-01",
          "amount": "1000",
          "days": 306,
          "product": "306000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.060273972602739726027397260273972602739726027397"
        },
        {
          "scheduled_month": 4,
          "actual_date": "2026-04-01",
          "amount": "1000",
          "days": 275,
          "product": "275000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "9.0410958904109589041095890410958904109589041095890"
        },
        {
          "scheduled_month": 5,
          "actual_date": "2026-05-01",
          "amount": "1000",
          "days": 245,
          "product": "245000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "8.0547945205479452054794520547945205479452054794521"
        },
        {
          "scheduled_month": 6,
          "actual_date": "2026-06-01",
          "amount": "1000",
          "days": 214,
          "product": "214000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "7.0356164383561643835616438356164383561643835616438"
        },
        {
          "scheduled_month": 7,
          "actual_date": "2026-07-01",
          "amount": "1000",
          "days": 184,
          "product": "184000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "6.0493150684931506849315068493150684931506849315068"
        },
        {
          "scheduled_month": 8,
          "actual_date": "2026-08-01",
          "amount": "1000",
          "days": 153,
          "product": "153000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "5.0301369863013698630136986301369863013698630136986"
        },
        {
          "scheduled_month": 9,
          "actual_date": "2026-09-01",
          "amount": "1000",
          "days": 122,
          "product": "122000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "4.0109589041095890410958904109589041095890410958904"
        },
        {
          "scheduled_month": 10,
          "actual_date": "2026-10-01",
          "amount": "1000",
          "days": 92,
          "product": "92000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "3.0246575342465753424657534246575342465753424657534"
        },
        {
          "scheduled_month": 11,
          "actual_date": "2026-11-01",
          "amount": "1000",
          "days": 61,
          "product": "61000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "2.0054794520547945205479452054794520547945205479452"
        },
        {
          "scheduled_month": 12,
          "actual_date": "2026-12-01",
          "amount": "1000",
          "days": 31,
          "product": "31000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "1.0191780821917808219178082191780821917808219178082"
        }
      ],
      "补齐": [
        {
          "scheduled_month": 1,
          "actual_date": "2026-01-01",
          "amount": "1000",
          "days": 365,
          "product": "365000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "12.000"
        },
        {
          "scheduled_month": 2,
          "actual_date": "2026-02-01",
          "amount": "1000",
          "days": 334,
          "product": "334000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.980821917808219178082191780821917808219178082192"
        },
        {
          "scheduled_month": 3,
          "actual_date": "2026-03-01",
          "amount": "1000",
          "days": 306,
          "product": "306000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.060273972602739726027397260273972602739726027397"
        },
        {
          "scheduled_month": 4,
          "actual_date": "2026-05-01",
          "amount": "1000",
          "days": 245,
          "product": "245000",
          "rate": "0.012",
          "state": "次月及时补齐",
          "interest_raw": "8.0547945205479452054794520547945205479452054794521"
        },
        {
          "scheduled_month": 5,
          "actual_date": "2026-05-01",
          "amount": "1000",
          "days": 245,
          "product": "245000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "8.0547945205479452054794520547945205479452054794521"
        },
        {
          "scheduled_month": 6,
          "actual_date": "2026-06-01",
          "amount": "1000",
          "days": 214,
          "product": "214000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "7.0356164383561643835616438356164383561643835616438"
        },
        {
          "scheduled_month": 7,
          "actual_date": "2026-07-01",
          "amount": "1000",
          "days": 184,
          "product": "184000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "6.0493150684931506849315068493150684931506849315068"
        },
        {
          "scheduled_month": 8,
          "actual_date": "2026-08-01",
          "amount": "1000",
          "days": 153,
          "product": "153000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "5.0301369863013698630136986301369863013698630136986"
        },
        {
          "scheduled_month": 9,
          "actual_date": "2026-09-01",
          "amount": "1000",
          "days": 122,
          "product": "122000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "4.0109589041095890410958904109589041095890410958904"
        },
        {
          "scheduled_month": 10,
          "actual_date": "2026-10-01",
          "amount": "1000",
          "days": 92,
          "product": "92000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "3.0246575342465753424657534246575342465753424657534"
        },
        {
          "scheduled_month": 11,
          "actual_date": "2026-11-01",
          "amount": "1000",
          "days": 61,
          "product": "61000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "2.0054794520547945205479452054794520547945205479452"
        },
        {
          "scheduled_month": 12,
          "actual_date": "2026-12-01",
          "amount": "1000",
          "days": 31,
          "product": "31000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "1.0191780821917808219178082191780821917808219178082"
        }
      ],
      "未补齐": [
        {
          "scheduled_month": 1,
          "actual_date": "2026-01-01",
          "amount": "1000",
          "days": 365,
          "product": "365000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "12.000"
        },
        {
          "scheduled_month": 2,
          "actual_date": "2026-02-01",
          "amount": "1000",
          "days": 334,
          "product": "334000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.980821917808219178082191780821917808219178082192"
        },
        {
          "scheduled_month": 3,
          "actual_date": "2026-03-01",
          "amount": "1000",
          "days": 306,
          "product": "306000",
          "rate": "0.012",
          "state": "正常定期",
          "interest_raw": "10.060273972602739726027397260273972602739726027397"
        },
        {
          "scheduled_month": 4,
          "actual_date": null,
          "amount": "0",
          "days": 0,
          "product": "0",
          "rate": null,
          "state": "漏存未到账",
          "interest_raw": "0.000"
        },
        {
          "scheduled_month": 5,
          "actual_date": "2026-05-01",
          "amount": "1000",
          "days": 245,
          "product": "245000",
          "rate": "0.012",
          "state": "构造宽限内存入，保留定期",
          "interest_raw": "8.0547945205479452054794520547945205479452054794521"
        },
        {
          "scheduled_month": 6,
          "actual_date": "2026-06-01",
          "amount": "1000",
          "days": 214,
          "product": "214000",
          "rate": "0.001",
          "state": "构造违约生效后存入",
          "interest_raw": "0.58630136986301369863013698630136986301369863013699"
        },
        {
          "scheduled_month": 7,
          "actual_date": "2026-07-01",
          "amount": "1000",
          "days": 184,
          "product": "184000",
          "rate": "0.001",
          "state": "构造违约生效后存入",
          "interest_raw": "0.50410958904109589041095890410958904109589041095890"
        },
        {
          "scheduled_month": 8,
          "actual_date": "2026-08-01",
          "amount": "1000",
          "days": 153,
          "product": "153000",
          "rate": "0.001",
          "state": "构造违约生效后存入",
          "interest_raw": "0.41917808219178082191780821917808219178082191780822"
        },
        {
          "scheduled_month": 9,
          "actual_date": "2026-09-01",
          "amount": "1000",
          "days": 122,
          "product": "122000",
          "rate": "0.001",
          "state": "构造违约生效后存入",
          "interest_raw": "0.33424657534246575342465753424657534246575342465753"
        },
        {
          "scheduled_month": 10,
          "actual_date": "2026-10-01",
          "amount": "1000",
          "days": 92,
          "product": "92000",
          "rate": "0.001",
          "state": "构造违约生效后存入",
          "interest_raw": "0.25205479452054794520547945205479452054794520547945"
        },
        {
          "scheduled_month": 11,
          "actual_date": "2026-11-01",
          "amount": "1000",
          "days": 61,
          "product": "61000",
          "rate": "0.001",
          "state": "构造违约生效后存入",
          "interest_raw": "0.16712328767123287671232876712328767123287671232877"
        },
        {
          "scheduled_month": 12,
          "actual_date": "2026-12-01",
          "amount": "1000",
          "days": 31,
          "product": "31000",
          "rate": "0.001",
          "state": "构造违约生效后存入",
          "interest_raw": "0.084931506849315068493150684931506849315068493150685"
        }
      ]
    },
    "comparison": {
      "totals": {
        "按时": {
          "principal": "12000",
          "interest_raw": "78.312328767123287671232876712328767123287671232876",
          "interest": "78.31"
        },
        "补齐": {
          "principal": "12000",
          "interest_raw": "77.326027397260273972602739726027397260273972602739",
          "interest": "77.33"
        },
        "未补齐": {
          "principal": "11000",
          "interest_raw": "43.443835616438356164383561643835616438356164383562",
          "interest": "43.44"
        }
      },
      "timely_loss_raw": "0.986301369863013698630136986301369863013698630137",
      "wrong_all_late_path_active": "5.77",
      "wrong_late_path_gap": "37.67",
      "principal_gap_is_not_interest": "1000"
    },
    "checks": {
      "timely_principal_unchanged": true,
      "unfilled_principal_11000": true,
      "prior_money_not_repriced": true,
      "timely_30_day_delay": true
    }
  },
  "DJ3-094": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "opening_principal": "120000",
      "annual_rate": ".012",
      "denominator": 365,
      "withdrawal_schedule": "每季末30000元；2026-04-01/07-01/10-01/2027-01-01",
      "settlement": "利息到期一次支付，期间不入本",
      "out_of_schedule": "4月1日要求40000元，拒绝本模型"
    },
    "tables": {
      "quarters": [
        {
          "start": "2026-01-01",
          "end": "2026-04-01",
          "days": 90,
          "principal": "120000",
          "product": "10800000",
          "interest_raw": "355.06849315068493150684931506849315068493150684932",
          "cumulative_interest_raw": "355.06849315068493150684931506849315068493150684932",
          "principal_withdrawal": "30000",
          "remaining_principal": "90000",
          "cash_received": "30000.00"
        },
        {
          "start": "2026-04-01",
          "end": "2026-07-01",
          "days": 91,
          "principal": "90000",
          "product": "8190000",
          "interest_raw": "269.26027397260273972602739726027397260273972602740",
          "cumulative_interest_raw": "624.32876712328767123287671232876712328767123287672",
          "principal_withdrawal": "30000",
          "remaining_principal": "60000",
          "cash_received": "30000.00"
        },
        {
          "start": "2026-07-01",
          "end": "2026-10-01",
          "days": 92,
          "principal": "60000",
          "product": "5520000",
          "interest_raw": "181.47945205479452054794520547945205479452054794521",
          "cumulative_interest_raw": "805.80821917808219178082191780821917808219178082193",
          "principal_withdrawal": "30000",
          "remaining_principal": "30000",
          "cash_received": "30000.00"
        },
        {
          "start": "2026-10-01",
          "end": "2027-01-01",
          "days": 92,
          "principal": "30000",
          "product": "2760000",
          "interest_raw": "90.739726027397260273972602739726027397260273972603",
          "cumulative_interest_raw": "896.54794520547945205479452054794520547945205479453",
          "principal_withdrawal": "30000",
          "remaining_principal": "0",
          "cash_received": "30896.55"
        }
      ]
    },
    "comparison": {
      "interest": "896.55",
      "interest_raw": "896.54794520547945205479452054794520547945205479453",
      "last_cash": "30896.55",
      "total_principal_recovered": "120000",
      "total_cash": "120896.55",
      "wrong_original_principal_interest": "1440.00",
      "wrong_excess": "543.45"
    },
    "checks": {
      "principal_conservation": true,
      "days_close": true,
      "extra_withdrawal_rejected": true,
      "zero_rate_zero": true
    }
  },
  "DJ3-095": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "principal": "60000",
      "annual_rate": ".012",
      "term": "2026-01-01至2027-01-01一年",
      "assumed_period_rule": "六期各两个月，每期60000×0.012×2/12=120；仅构造付款频率",
      "takes": [
        120,
        0,
        0,
        360,
        0,
        240
      ],
      "rule": "未领息可后领，不计复息；到账外部现金按零收益记录"
    },
    "tables": {
      "six_periods": [
        {
          "period": 1,
          "date": "2026-03-01",
          "opening_uncollected": "0",
          "new_due": "120",
          "paid": "120",
          "closing_uncollected": "0",
          "cumulative_paid": "120",
          "deposit_principal": "60000",
          "wrong_compound_interest_raw": "120.000",
          "wrong_compound_principal_raw": "60120.000"
        },
        {
          "period": 2,
          "date": "2026-05-01",
          "opening_uncollected": "0",
          "new_due": "120",
          "paid": "0",
          "closing_uncollected": "120",
          "cumulative_paid": "120",
          "deposit_principal": "60000",
          "wrong_compound_interest_raw": "120.240000",
          "wrong_compound_principal_raw": "60240.240000"
        },
        {
          "period": 3,
          "date": "2026-07-01",
          "opening_uncollected": "120",
          "new_due": "120",
          "paid": "0",
          "closing_uncollected": "240",
          "cumulative_paid": "120",
          "deposit_principal": "60000",
          "wrong_compound_interest_raw": "120.480480000",
          "wrong_compound_principal_raw": "60360.720480000"
        },
        {
          "period": 4,
          "date": "2026-09-01",
          "opening_uncollected": "240",
          "new_due": "120",
          "paid": "360",
          "closing_uncollected": "0",
          "cumulative_paid": "480",
          "deposit_principal": "60000",
          "wrong_compound_interest_raw": "120.721440960000",
          "wrong_compound_principal_raw": "60481.441920960000"
        },
        {
          "period": 5,
          "date": "2026-11-01",
          "opening_uncollected": "0",
          "new_due": "120",
          "paid": "0",
          "closing_uncollected": "120",
          "cumulative_paid": "480",
          "deposit_principal": "60000",
          "wrong_compound_interest_raw": "120.962883841920000",
          "wrong_compound_principal_raw": "60602.404804801920000"
        },
        {
          "period": 6,
          "date": "2027-01-01",
          "opening_uncollected": "120",
          "new_due": "120",
          "paid": "240",
          "closing_uncollected": "0",
          "cumulative_paid": "720",
          "deposit_principal": "60000",
          "wrong_compound_interest_raw": "121.204809609603840000",
          "wrong_compound_principal_raw": "60723.609614411523840000"
        }
      ]
    },
    "comparison": {
      "total_due": "720.00",
      "total_paid": "720.00",
      "ending_uncollected": "0.00",
      "maturity_principal": "60000.00",
      "last_cash": "60240.00",
      "all_cash_including_prior_receipts": "60720.00",
      "wrong_compound_total_interest": "723.61",
      "wrong_excess": "3.61",
      "all_uncollected_scenario": {
        "principal": "60000.00",
        "uncollected_interest": "720.00",
        "cash_paid": "0.00"
      }
    },
    "checks": {
      "due_equals_paid_plus_unpaid": true,
      "unpaid_nonnegative": true,
      "principal_constant": true,
      "zero_interest_no_due": true
    }
  },
  "DJ3-096": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "principal": "50000",
      "date_start": "2026-01-01",
      "discount": ".6",
      "rate_table": {
        "0": ".001",
        "3": ".012",
        "6": ".015",
        "12": ".018"
      },
      "rate_table_date_assumed": "各情景采用各自支取日的同值构造表；并非已确认真实合同定价日",
      "band_contract_assumed": "不足3个日历月活期.001；达到3未满6取三月档.012；达到6未满12取六月档.015；达到12取一年档.018；折后对全部实存天数计息/365；恰等边界由本构造明确包含",
      "comparison_clause": "主模型明示没有活期保底或封顶；条件表分别独立增加明示保底/封顶；真实约束未知则拒算"
    },
    "tables": {
      "holdings": [
        {
          "holding": "2个月",
          "start": "2026-01-01",
          "end": "2026-03-01",
          "days": 59,
          "selected_rate": ".001",
          "band": "活期",
          "interest_raw": "8.0821917808219178082191780821917808219178082191781",
          "interest": "8.08"
        },
        {
          "holding": "恰3个月",
          "start": "2026-01-01",
          "end": "2026-04-01",
          "days": 90,
          "selected_rate": ".0072",
          "band": "三月档1.2%×60%",
          "interest_raw": "88.767123287671232876712328767123287671232876712329",
          "interest": "88.77"
        },
        {
          "holding": "8个月",
          "start": "2026-01-01",
          "end": "2026-09-01",
          "days": 243,
          "selected_rate": ".009",
          "band": "六月档1.5%×60%",
          "interest_raw": "299.58904109589041095890410958904109589041095890411",
          "interest": "299.59"
        },
        {
          "holding": "15个月",
          "start": "2026-01-01",
          "end": "2027-04-01",
          "days": 455,
          "selected_rate": ".0108",
          "band": "一年档1.8%×60%",
          "interest_raw": "673.15068493150684931506849315068493150684931506849",
          "interest": "673.15"
        }
      ],
      "wrong_segmented_eight_months": [
        {
          "start": "2026-01-01",
          "end": "2026-04-01",
          "days": 90,
          "wrong_rate": ".001",
          "wrong_interest_raw": "12.328767123287671232876712328767123287671232876712"
        },
        {
          "start": "2026-04-01",
          "end": "2026-07-01",
          "days": 91,
          "wrong_rate": ".0072",
          "wrong_interest_raw": "89.753424657534246575342465753424657534246575342466"
        },
        {
          "start": "2026-07-01",
          "end": "2026-09-01",
          "days": 62,
          "wrong_rate": ".009",
          "wrong_interest_raw": "76.438356164383561643835616438356164383561643835616"
        }
      ],
      "comparison_clause_tests": [
        {
          "active_rate": ".005",
          "no_comparison_rate": "0.009",
          "explicit_floor_rate": "0.009",
          "explicit_cap_rate": "0.005",
          "floor_interest": "299.59",
          "cap_interest": "166.44"
        },
        {
          "active_rate": ".010",
          "no_comparison_rate": "0.009",
          "explicit_floor_rate": "0.010",
          "explicit_cap_rate": "0.009",
          "floor_interest": "332.88",
          "cap_interest": "299.59"
        }
      ],
      "refused_inputs": [
        {
          "case": "缺六月档",
          "result": "缺少持有期限对应档，拒绝替代"
        },
        {
          "case": "比较条款未知",
          "result": "比较约束未知，拒绝选择唯一利率"
        },
        {
          "case": "支取日早于存入",
          "result": "支取日早于存入日"
        }
      ]
    },
    "comparison": {
      "eight_month_correct": "299.59",
      "wrong_eight_month_segmented": "178.52",
      "missing_comparison_clause": "不能自动max或min，真实条款未知拒绝唯一金额",
      "boundary_before_three_months": {
        "date": "2026-03-31",
        "rate": ".001"
      },
      "boundary_exact_six_months": {
        "date": "2026-07-01",
        "rate": ".009"
      }
    },
    "checks": {
      "three_month_90_days": true,
      "eight_month_243_days": true,
      "year_band_caps_tenor_not_interest": true,
      "floor_not_cap": true,
      "missing_unknown_reverse_refused": true,
      "exact_three_selected": true,
      "exact_six_selected": true
    }
  },
  "DJ3-097": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "principal": "100000",
      "start": "2026-01-01",
      "withdraw": "2026-04-01",
      "notice_created": "2026-03-25",
      "notice_days": 7,
      "actual_days": 90,
      "ordinary_rate": ".009",
      "denominator": 360,
      "automatic_contract": "纯构造协议：每7日结息到分并转本金，12轮；第13段不足7日仅按.001结息，不冒称任何银行智能存款"
    },
    "tables": {
      "automatic_events": [
        {
          "period": 1,
          "start": "2026-01-01",
          "end": "2026-01-08",
          "days": 7,
          "principal": "100000.00",
          "rate": ".009",
          "interest_credited": "17.50",
          "interest_to_principal": "17.50",
          "cash_paid": "0.00",
          "new_principal": "100017.50"
        },
        {
          "period": 2,
          "start": "2026-01-08",
          "end": "2026-01-15",
          "days": 7,
          "principal": "100017.50",
          "rate": ".009",
          "interest_credited": "17.50",
          "interest_to_principal": "17.50",
          "cash_paid": "0.00",
          "new_principal": "100035.00"
        },
        {
          "period": 3,
          "start": "2026-01-15",
          "end": "2026-01-22",
          "days": 7,
          "principal": "100035.00",
          "rate": ".009",
          "interest_credited": "17.51",
          "interest_to_principal": "17.51",
          "cash_paid": "0.00",
          "new_principal": "100052.51"
        },
        {
          "period": 4,
          "start": "2026-01-22",
          "end": "2026-01-29",
          "days": 7,
          "principal": "100052.51",
          "rate": ".009",
          "interest_credited": "17.51",
          "interest_to_principal": "17.51",
          "cash_paid": "0.00",
          "new_principal": "100070.02"
        },
        {
          "period": 5,
          "start": "2026-01-29",
          "end": "2026-02-05",
          "days": 7,
          "principal": "100070.02",
          "rate": ".009",
          "interest_credited": "17.51",
          "interest_to_principal": "17.51",
          "cash_paid": "0.00",
          "new_principal": "100087.53"
        },
        {
          "period": 6,
          "start": "2026-02-05",
          "end": "2026-02-12",
          "days": 7,
          "principal": "100087.53",
          "rate": ".009",
          "interest_credited": "17.52",
          "interest_to_principal": "17.52",
          "cash_paid": "0.00",
          "new_principal": "100105.05"
        },
        {
          "period": 7,
          "start": "2026-02-12",
          "end": "2026-02-19",
          "days": 7,
          "principal": "100105.05",
          "rate": ".009",
          "interest_credited": "17.52",
          "interest_to_principal": "17.52",
          "cash_paid": "0.00",
          "new_principal": "100122.57"
        },
        {
          "period": 8,
          "start": "2026-02-19",
          "end": "2026-02-26",
          "days": 7,
          "principal": "100122.57",
          "rate": ".009",
          "interest_credited": "17.52",
          "interest_to_principal": "17.52",
          "cash_paid": "0.00",
          "new_principal": "100140.09"
        },
        {
          "period": 9,
          "start": "2026-02-26",
          "end": "2026-03-05",
          "days": 7,
          "principal": "100140.09",
          "rate": ".009",
          "interest_credited": "17.52",
          "interest_to_principal": "17.52",
          "cash_paid": "0.00",
          "new_principal": "100157.61"
        },
        {
          "period": 10,
          "start": "2026-03-05",
          "end": "2026-03-12",
          "days": 7,
          "principal": "100157.61",
          "rate": ".009",
          "interest_credited": "17.53",
          "interest_to_principal": "17.53",
          "cash_paid": "0.00",
          "new_principal": "100175.14"
        },
        {
          "period": 11,
          "start": "2026-03-12",
          "end": "2026-03-19",
          "days": 7,
          "principal": "100175.14",
          "rate": ".009",
          "interest_credited": "17.53",
          "interest_to_principal": "17.53",
          "cash_paid": "0.00",
          "new_principal": "100192.67"
        },
        {
          "period": 12,
          "start": "2026-03-19",
          "end": "2026-03-26",
          "days": 7,
          "principal": "100192.67",
          "rate": ".009",
          "interest_credited": "17.53",
          "interest_to_principal": "17.53",
          "cash_paid": "0.00",
          "new_principal": "100210.20"
        },
        {
          "period": 13,
          "start": "2026-03-26",
          "end": "2026-04-01",
          "days": 6,
          "principal": "100210.20",
          "rate": ".001",
          "interest_credited": "1.67",
          "interest_to_principal": "0.00",
          "cash_paid": "100211.87",
          "new_principal": "0.00"
        }
      ],
      "ordinary_events": [
        {
          "date": "2026-01-01",
          "event": "存入",
          "principal": "100000",
          "interest_to_principal": "0"
        },
        {
          "date": "2026-03-25",
          "event": "建立七天通知",
          "principal": "100000",
          "interest_to_principal": "0"
        },
        {
          "date": "2026-04-01",
          "event": "按约支取，90天一次结息",
          "principal": "0",
          "cash_paid": "100225.00"
        }
      ]
    },
    "comparison": {
      "ordinary_interest": "225.00",
      "ordinary_cash": "100225.00",
      "auto_interest": "211.87",
      "auto_cash": "100211.87",
      "completed_seven_day_cycles": 12,
      "residual_days": 6,
      "wrong_direct_power_interest": "210.20",
      "difference_explanation": "直接幂遗漏余下6天且没有逐期到分，不等于普通通知合同"
    },
    "checks": {
      "time_close": true,
      "ordinary_no_rollover": true,
      "auto_cash_close": true,
      "zero_rate_no_growth": true
    }
  },
  "DJ3-098": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "principal": "150000",
      "start": "2026-01-01",
      "notice_date": "2026-03-25",
      "agreed_withdraw": "2026-04-01",
      "notice_amount": "60000",
      "actual_days": 90,
      "notice_rate": ".009",
      "active_rate": ".001",
      "denominator": 360,
      "bank_scope": "本篇分区依建行PDF通知存款第(5)项；差额不足部分自起存至支取日活期；保留本金以后如何计息需后续事件",
      "assumptions": [
        "未通知其余保留本金不在本次清息",
        "少取未用通知额的活期应计息只记应计，不假定本次入账"
      ]
    },
    "tables": {
      "over_80000": {
        "actual_withdrawal": "80000",
        "valid_withdrawal": "60000",
        "excess_withdrawal": "20000",
        "unused_notice_retained": "0",
        "other_retained": "70000",
        "total_retained": "70000",
        "valid_interest": "135.00",
        "excess_interest": "5.00",
        "cash_interest": "140.00",
        "withdrawal_cash": "80140.00",
        "unused_notice_accrual_not_cash": "0.00"
      },
      "under_50000": {
        "actual_withdrawal": "50000",
        "valid_withdrawal": "50000",
        "excess_withdrawal": "0",
        "unused_notice_retained": "10000",
        "other_retained": "90000",
        "total_retained": "100000",
        "valid_interest": "112.50",
        "excess_interest": "0.00",
        "cash_interest": "112.50",
        "withdrawal_cash": "50112.50",
        "unused_notice_accrual_not_cash": "2.50"
      }
    },
    "comparison": {
      "wrong_all_80000_notice_interest": "180.00",
      "wrong_excess": "40.00",
      "unnotified_80000_active_interest": "20.00",
      "rejected_withdrawals": [
        40000,
        110000
      ]
    },
    "checks": {
      "over_principal_close": true,
      "under_principal_close": true,
      "both_minimums_hold": true,
      "invalid_inputs_rejected": true
    }
  },
  "DJ3-099": {
    "precision": "Decimal十进制50位；金额单位元，积数单位元·日；除明确入账事件外内部不舍入，展示到分ROUND_HALF_UP；日期含起不含止；全部利率为构造，不是报价。",
    "inputs": {
      "principal": "150000",
      "period": [
        "2026-01-01",
        "2026-01-21"
      ],
      "final_notice": "2026-01-14通知全额，2026-01-21按约支取",
      "rate_on_withdrawal": ".009",
      "denominator": 360,
      "windows": [
        {
          "slice": "A",
          "principal": "100000",
          "notify": "2026-01-05",
          "cancel": "2026-01-09",
          "scheduled_withdrawal": "2026-01-12"
        },
        {
          "slice": "B",
          "principal": "50000",
          "notify": "2026-01-07",
          "cancel": "2026-01-12",
          "scheduled_withdrawal": "2026-01-14"
        }
      ],
      "assumptions": [
        "建行取消通知至取消日区间作为文本依据；含起不含止及仅绑定本金分片不计息是本构造明确约定",
        "A/B本金互斥；并行操作能否真实办理不据此确认",
        "重复导入A子窗口不得再次扣息"
      ]
    },
    "tables": {
      "daily": [
        {
          "date": "2026-01-01",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "150000"
        },
        {
          "date": "2026-01-02",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "300000"
        },
        {
          "date": "2026-01-03",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "450000"
        },
        {
          "date": "2026-01-04",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "600000"
        },
        {
          "date": "2026-01-05",
          "principal": "150000",
          "A_excluded": "100000",
          "B_excluded": "0",
          "excluded_product": "100000",
          "effective_product": "50000",
          "cumulative_effective": "650000"
        },
        {
          "date": "2026-01-06",
          "principal": "150000",
          "A_excluded": "100000",
          "B_excluded": "0",
          "excluded_product": "100000",
          "effective_product": "50000",
          "cumulative_effective": "700000"
        },
        {
          "date": "2026-01-07",
          "principal": "150000",
          "A_excluded": "100000",
          "B_excluded": "50000",
          "excluded_product": "150000",
          "effective_product": "0",
          "cumulative_effective": "700000"
        },
        {
          "date": "2026-01-08",
          "principal": "150000",
          "A_excluded": "100000",
          "B_excluded": "50000",
          "excluded_product": "150000",
          "effective_product": "0",
          "cumulative_effective": "700000"
        },
        {
          "date": "2026-01-09",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "50000",
          "excluded_product": "50000",
          "effective_product": "100000",
          "cumulative_effective": "800000"
        },
        {
          "date": "2026-01-10",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "50000",
          "excluded_product": "50000",
          "effective_product": "100000",
          "cumulative_effective": "900000"
        },
        {
          "date": "2026-01-11",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "50000",
          "excluded_product": "50000",
          "effective_product": "100000",
          "cumulative_effective": "1000000"
        },
        {
          "date": "2026-01-12",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "1150000"
        },
        {
          "date": "2026-01-13",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "1300000"
        },
        {
          "date": "2026-01-14",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "1450000"
        },
        {
          "date": "2026-01-15",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "1600000"
        },
        {
          "date": "2026-01-16",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "1750000"
        },
        {
          "date": "2026-01-17",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "1900000"
        },
        {
          "date": "2026-01-18",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "2050000"
        },
        {
          "date": "2026-01-19",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "2200000"
        },
        {
          "date": "2026-01-20",
          "principal": "150000",
          "A_excluded": "0",
          "B_excluded": "0",
          "excluded_product": "0",
          "effective_product": "150000",
          "cumulative_effective": "2350000"
        }
      ],
      "windows": [
        {
          "slice": "A",
          "days": 4,
          "principal": "100000",
          "excluded_product": "400000"
        },
        {
          "slice": "B",
          "days": 5,
          "principal": "50000",
          "excluded_product": "250000"
        }
      ]
    },
    "comparison": {
      "raw_days": 20,
      "gross_product": "3000000",
      "excluded_product": "650000",
      "effective_product": "2350000",
      "interest": "58.75",
      "no_cancellation_interest": "75.00",
      "cancellation_difference": "16.25",
      "duplicate_naive_excluded": "950000",
      "duplicate_union_excluded": "650000",
      "duplicate_naive_interest": "51.25"
    },
    "checks": {
      "gross_equals_excluded_plus_effective": true,
      "duplicates_idempotent": true,
      "daily_exclusion_not_over_principal": true,
      "empty_window_zero": true
    }
  }
}