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74 lines
2.9 KiB
YAML
74 lines
2.9 KiB
YAML
# 金融领域知识规则 + 事实表（理财科普口径，非投资建议）
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domain: finance
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rules:
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# ---- 投资理财 ----
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- id: finance-investing
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priority: 90
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subdomain: investing
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patterns: ["理财", "投资", "基金", "股票", "债券", "收益", "定投", "指数", "回撤",
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"invest", "fund", "stock", "portfolio", "收益率"]
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template: finance-advice
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- id: finance-saving
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priority: 78
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subdomain: saving
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patterns: ["存款", "储蓄", "定期", "活期", "利息", "存钱", "deposit", "interest"]
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template: finance-advice
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- id: finance-loan
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priority: 84
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subdomain: loan
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patterns: ["贷款", "房贷", "车贷", "消费贷", "借呗", "花呗", "还款", "月供", "贷款利率",
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"loan", "mortgage", "lpr", "等额本息", "等额本金"]
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template: finance-advice
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- id: finance-insurance
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priority: 82
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subdomain: insurance
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patterns: ["保险", "重疾险", "医疗险", "意外险", "寿险", "保费", "理赔", "退保",
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"insurance", "policy"]
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template: finance-advice
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- id: finance-credit-card
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priority: 80
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subdomain: credit
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patterns: ["信用卡", "额度", "账单", "分期", "逾期", "征信", "信用", "credit card",
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"套现", "最低还款"]
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template: finance-advice
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- id: finance-personal-budget
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priority: 76
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subdomain: budgeting
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patterns: ["记账", "预算", "开销", "省钱", "开支", "家庭财务", "财务规划", "budget"]
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template: finance-advice
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- id: finance-general
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priority: 50
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patterns: ["金融", "钱", "财务", "finance", "money", "经济"]
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template: finance-advice
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facts:
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- id: finance-risk-warning
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keywords: ["理财", "投资", "基金", "股票"]
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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"
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- id: finance-deposit-insurance
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keywords: ["存款", "储蓄", "银行"]
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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"
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- id: finance-loan-lpr
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keywords: ["贷款", "房贷", "利率"]
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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"
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- id: finance-insurance-buy
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keywords: ["保险", "重疾险", "医疗险"]
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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"
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- id: finance-credit-overdue
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keywords: ["信用卡", "逾期", "征信"]
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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"
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- id: finance-emergency-fund
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keywords: ["预算", "记账", "省钱"]
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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"
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