# 金融领域知识规则 + 事实表（理财科普口径，非投资建议）
domain: finance
rules:
  # ---- 投资理财 ----
  - id: finance-investing
    priority: 90
    subdomain: investing
    patterns: ["理财", "投资", "基金", "股票", "债券", "收益", "定投", "指数", "回撤",
               "invest", "fund", "stock", "portfolio", "收益率"]
    template: finance-advice

  - id: finance-saving
    priority: 78
    subdomain: saving
    patterns: ["存款", "储蓄", "定期", "活期", "利息", "存钱", "deposit", "interest"]
    template: finance-advice

  - id: finance-loan
    priority: 84
    subdomain: loan
    patterns: ["贷款", "房贷", "车贷", "消费贷", "借呗", "花呗", "还款", "月供", "贷款利率",
               "loan", "mortgage", "lpr", "等额本息", "等额本金"]
    template: finance-advice

  - id: finance-insurance
    priority: 82
    subdomain: insurance
    patterns: ["保险", "重疾险", "医疗险", "意外险", "寿险", "保费", "理赔", "退保",
               "insurance", "policy"]
    template: finance-advice

  - id: finance-credit-card
    priority: 80
    subdomain: credit
    patterns: ["信用卡", "额度", "账单", "分期", "逾期", "征信", "信用", "credit card",
               "套现", "最低还款"]
    template: finance-advice

  - id: finance-personal-budget
    priority: 76
    subdomain: budgeting
    patterns: ["记账", "预算", "开销", "省钱", "开支", "家庭财务", "财务规划", "budget"]
    template: finance-advice

  - id: finance-general
    priority: 50
    patterns: ["金融", "钱", "财务", "finance", "money", "经济"]
    template: finance-advice

facts:
  - id: finance-risk-warning
    keywords: ["理财", "投资", "基金", "股票"]
    statement: "理财投资均存在风险，收益与风险成正比；过往业绩不代表未来表现，切勿用急用钱投资"

  - id: finance-deposit-insurance
    keywords: ["存款", "储蓄", "银行"]
    statement: "我国实行存款保险制度，同一存款人在同一家银行的存款本息合计 50 万元以内受国家保障"

  - id: finance-loan-lpr
    keywords: ["贷款", "房贷", "利率"]
    statement: "房贷利率通常与 LPR（贷款市场报价利率）挂钩，等额本息月供固定、等额本金逐月递减"

  - id: finance-insurance-buy
    keywords: ["保险", "重疾险", "医疗险"]
    statement: "投保遵循先保障后理财原则，优先配置医疗险、重疾险等基础保障；如实告知健康状况，避免理赔纠纷"

  - id: finance-credit-overdue
    keywords: ["信用卡", "逾期", "征信"]
    statement: "信用卡逾期会影响个人征信记录，产生违约金与利息；建议设置自动还款避免逾期"

  - id: finance-emergency-fund
    keywords: ["预算", "记账", "省钱"]
    statement: "家庭财务建议预留 3-6 个月支出的应急金，再考虑投资；先记账 1-2 个月摸清开支结构再优化"