{
  "case_version": "C8-P01-B2-v1",
  "updated": "2026-10-28",
  "data_nature": "全部家庭、金额、价格和产品规则均为合成教学输入，不是现实报价、回测、建议或账户验证",
  "verification_status": "作者逐项列式及本地算术检查（AI辅助，非人类签审）；主编另用程序复核，人类签审未完成",
  "g72": {
    "valuation_date": "2026-10-28",
    "currency": "CNY",
    "unit": "元",
    "shared_assets": {
      "home_estimated_value": 1800000,
      "available_bank_cash": 300000,
      "existing_equities_mark_to_market": 200000,
      "restricted_account": 100000
    },
    "method": {
      "cash_start": "仅从现有可动用银行现金开始，不出售资产，不计未来工资为当前资产",
      "first_period": "接下来30天以现金全额覆盖日常支付，不抵扣本段未到账收入",
      "stress_period": "第31天起；可靠流入在各月支付前到账",
      "monthly_payments": "包括生活、家庭责任及正常月度偿债本息，不含另列到期还本、专项支出或意外费用",
      "emergency_reserve": "压力月数乘以每月必要支付减可靠流入，再加独立意外费用",
      "total_reserve": "首30天日常支付加已知专项支出加另列还本加压力预留",
      "cash_remainder": "可动用现金减总预留；负数为缺口，不是负投资建议",
      "net_worth": "总资产减当前债务余额；净资产不作为本例现金起点",
      "overlap_rule": "各预留用途及期间不重复；到期还本已包含于债务余额，现金计算中仅扣当期支付一次"
    },
    "households": [
      {
        "id": "A",
        "label": "甲家",
        "debt_balance": 600000,
        "first_30_days_daily_payments": 20000,
        "known_goals": [
          {
            "amount": 60000,
            "due_month": 4
          }
        ],
        "separate_balloon_principal": 0,
        "stress_months": 4,
        "stress_monthly_payments": 20000,
        "reliable_monthly_inflow": 8000,
        "unexpected_expense": 12000,
        "expected": {
          "total_assets": 2400000,
          "net_worth": 1800000,
          "monthly_stress_gap": 12000,
          "emergency_reserve": 60000,
          "total_reserve": 140000,
          "cash_remainder": 160000,
          "cash_shortfall": 0
        }
      },
      {
        "id": "B",
        "label": "乙家",
        "debt_balance": 1000000,
        "first_30_days_daily_payments": 25000,
        "known_goals": [
          {
            "amount": 50000,
            "due_month": 2
          }
        ],
        "separate_balloon_principal": 120000,
        "balloon_due_month": 3,
        "balloon_included_in_debt_balance": true,
        "stress_months": 6,
        "stress_monthly_payments": 25000,
        "reliable_monthly_inflow": 5000,
        "unexpected_expense": 20000,
        "expected": {
          "total_assets": 2400000,
          "net_worth": 1400000,
          "monthly_stress_gap": 20000,
          "emergency_reserve": 140000,
          "total_reserve": 335000,
          "cash_remainder": -35000,
          "cash_shortfall": 35000
        }
      },
      {
        "id": "C",
        "label": "丙家",
        "debt_balance": 200000,
        "first_30_days_daily_payments": 15000,
        "known_goals": [
          {
            "amount": 120000,
            "due_month": 2
          }
        ],
        "separate_balloon_principal": 0,
        "stress_months": 3,
        "stress_monthly_payments": 15000,
        "reliable_monthly_inflow": 5000,
        "unexpected_expense": 15000,
        "expected": {
          "total_assets": 2400000,
          "net_worth": 2200000,
          "monthly_stress_gap": 10000,
          "emergency_reserve": 45000,
          "total_reserve": 180000,
          "cash_remainder": 120000,
          "cash_shortfall": 0
        }
      }
    ],
    "joint_market_stress": {
      "household_id": "A",
      "existing_equity_value": 200000,
      "existing_equity_decline": 0.4,
      "hypothetical_new_strategy_cash": 60000,
      "new_strategy_decline": 0.5,
      "cash_flow_stress": "与甲家既定收入中断情景同时发生，生活预留独立保留",
      "expected": {
        "existing_equity_loss": 80000,
        "existing_equity_remaining_value": 120000,
        "new_strategy_loss": 30000,
        "combined_investment_loss": 110000
      },
      "boundary": "无出售时市值亏损不额外记为生活现金支出；压力跌幅不是未来亏损上限；并非推荐新策略金额"
    },
    "near_transfer": {
      "based_on": "A",
      "changes": {
        "reliable_monthly_inflow": 0,
        "stress_months": 6,
        "additional_known_goal": {
          "amount": 30000,
          "due_month": 3
        }
      },
      "expected": {
        "monthly_stress_gap": 20000,
        "emergency_reserve": 132000,
        "total_reserve": 242000,
        "cash_remainder": 58000,
        "cash_remainder_decrease": 102000,
        "previous_60000_strategy_exceeds_remainder_by": 2000,
        "decision": "不得自动沿用6万元安排，暂停沿用并复核；5.8万元余额仍不是建议投资额"
      }
    }
  },
  "g73": {
    "currency": "USD",
    "unit": "美元",
    "family": {
      "cash_available": 10000,
      "payment_due_day": 60,
      "payment_amount": 10000,
      "payment_method": "银行转账",
      "allowable_shortfall": 0,
      "other_emergency_reserve": "单独安排且不重复计入本用途",
      "tax_and_fees": "不计税费；明列费用均假设为0"
    },
    "synthetic_cards": [
      {
        "id": "A",
        "type": "实物美元现金",
        "amount": 10000,
        "missing": ["存入银行以完成本次转账的流程", "资金安全安排"],
        "expected_status": "资料不足"
      },
      {
        "id": "B",
        "type": "美元银行活期存款",
        "amount": 10000,
        "conditions": [
          "已确认付款渠道、限额及付款日可用",
          "假设本息处于适用存款保障范围"
        ],
        "expected_status": "给定条件下与用途更匹配，仍需异常处理路径"
      },
      {
        "id": "C",
        "type": "美元货币市场基金",
        "redemption_cutoff": "工作日15:00",
        "settlement": "15点前申请下一工作日到账；15点后视为下一工作日申请，再下一工作日到账",
        "principal_guaranteed": false,
        "expected_status": "不能仅凭可赎回确定足额且按时到账"
      },
      {
        "id": "D",
        "type": "单只美元短债",
        "purchase_cost": 9900,
        "maturity_day": 91,
        "face_value": 10000,
        "hypothetical_day_60_sale_price": 9850,
        "issuer_performance": "到期按约付款",
        "expected": {
          "cash_left_after_purchase": 100,
          "sale_plus_leftover_cash_on_day_60": 9950,
          "shortfall_on_day_60": 50,
          "maturity_gain_before_costs": 100,
          "status": "不匹配：到期晚于用途，给定提前卖价导致缺口；卖出到账路径也需核实"
        }
      },
      {
        "id": "E",
        "type": "美元普通开放式债券基金",
        "redemption": "工作日可申请，净值变化，无个人份额固定回本日",
        "missing": ["付款时足额金额", "最终到账日期"],
        "expected_status": "无法保证用途匹配"
      }
    ],
    "purchasing_power_example": {
      "currency": "CNY",
      "initial_balance": 10000,
      "ending_balance": 10200,
      "initial_goods_cost": 10000,
      "ending_goods_cost": 10300,
      "expected": {
        "nominal_gain": 200,
        "goal_shortfall": 100
      }
    },
    "fx_example": {
      "usd_amount": 10000,
      "cny_payment": 70000,
      "initial_cny_per_usd": 7,
      "ending_cny_per_usd": 6.5,
      "fees": 0,
      "expected": {
        "ending_cny_value": 65000,
        "cny_shortfall": 5000
      }
    },
    "near_transfer": {
      "current_time": "周五16:00，无额外假期",
      "payment_due": "下周一上午",
      "payment_amount": 10000,
      "C_rule": "沿用卡片C截止和到账规则",
      "B_new_rule": "每日对外转账上限6000美元；工作日15点前当日处理并到账，晚于15点顺延下一工作日；周末不处理；此前未转出任何款项",
      "no_other_funding": true,
      "expected": {
        "C_effective_submission": "周一",
        "C_settlement": "周二",
        "C_timely": false,
        "B_sufficient_by_deadline_confirmed": false,
        "B_single_day_shortfall": 4000,
        "B_earliest_processing_day": "周一；仅当日到账承诺仍不保证上午到账",
        "required_followup": [
          "确认足额且期限前可用的其他转账路径",
          "核实能否调整额度",
          "与收款方确认付款安排"
        ],
        "boundary": "不得假设替代路径、额度调整或延期会获批准"
      }
    }
  }
}