{
    "id": "BANK-04",
    "category": "BANK",
    "category_name": "銀行股",
    "title": "不良貸款與撥備覆蓋",
    "question": "不良貸款與撥備覆蓋",
    "chart": "multi",
    "metric": "不良貸款與撥備覆蓋",
    "secondary": "多面板",
    "x": "觀察期／樣本",
    "y": "示例數值",
    "panels": [
        "不良貸款與撥備覆蓋",
        "多面板",
        "資料明細"
    ],
    "filters": [
        "標的／市場",
        "分析區間",
        "基準／參數"
    ],
    "apis": [
        "FUND_STOCK",
        "PRAAMS_BOND",
        "PRAAMS_BANK"
    ],
    "calculation": "NPL/貸款總額；準備/NPL。",
    "caveat": "標準 FUND 沒有已驗證結構化 NPL／貸款準備餘額。PRAAMS 有 provision_for_loan_losses（當期撥備費用），但它不是貸款損失準備餘額，不能用來計 NPL 覆蓋率；NPL 與期末準備餘額仍需補來源。",
    "inputs": "SUPPLEMENT.不良貸款\nSUPPLEMENT.貸款總額\nSUPPLEMENT.貸款損失準備",
    "extra_inputs": "依左側必要欄位與限制核實",
    "data_class": "需補來源",
    "complexity": "先補資料",
    "rank": 4,
    "stage": "P1",
    "collection": "product",
    "source_urls": [
        "https://eodhd.com/financial-academy/financial-faq/fundamentals-glossary-common-stock",
        "https://eodhistoricaldata.github.io/EODHD-openapi/redoc.html"
    ],
    "requires_user_input": false,
    "requires_extra_plan": true,
    "cadence": "示例資料",
    "sample_labels": [
        "2019",
        "2020",
        "2021",
        "2022",
        "2023",
        "2024"
    ],
    "sample_annotation": {
        "sample": true,
        "as_of": "2026-10-16",
        "notice": "Charts and tables for this report are generated, deterministic synthetic sample observations for educational layout and unit demonstration only. No provider, market data or analysis engine is called, and nothing here is a statement about real securities.",
        "notice_zh": "此報告的圖表與數據為確定性生成的合成示例數據，僅供教育及版面展示；並無連接任何資料供應商或實際分析引擎，不代表任何真實證券的表現。",
        "default_filters": {
            "symbol": "0700.HK",
            "period": "1Y",
            "benchmark": "HSI"
        },
        "filters": {
            "symbol": [
                "0700.HK",
                "0005.HK",
                "AAPL.US",
                "MSFT.US",
                "SPY.US",
                "BTC-USD.CC"
            ],
            "period": [
                "1Y",
                "3Y",
                "5Y"
            ],
            "benchmark": [
                "HSI",
                "SPX",
                "BTC"
            ]
        },
        "library": {
            "version": "2026-10-19",
            "source": "https://chatgpt.com/share/6ad67223-c610-83e8-adb2-33aaf792e584",
            "sample": true
        }
    }
}