{
    "id": "BANK-06",
    "category": "BANK",
    "category_name": "銀行股",
    "title": "淨貸款／存款比與資產規模",
    "question": "淨貸款／存款比與資產規模",
    "chart": "multi",
    "metric": "淨貸款／存款比與資產規模",
    "secondary": "多面板",
    "x": "觀察期／樣本",
    "y": "示例數值",
    "panels": [
        "淨貸款／存款比與資產規模",
        "多面板",
        "資料明細"
    ],
    "filters": [
        "標的／市場",
        "分析區間",
        "基準／參數"
    ],
    "apis": [
        "PRAAMS_BOND",
        "PRAAMS_BANK"
    ],
    "calculation": "相同有效日及幣別的 loans_net/deposits×100，明確標示「淨貸款／存款比」；並排展示兩項餘額。",
    "caveat": "loans_net 是淨貸款口徑，不宣稱等於以總貸款計的監管貸存比；deposits 的客戶／同業範圍須驗證。沒有已核實的存款細分就不畫活期／定期堆疊；逐 ticker 與歷史完整度須驗證。",
    "inputs": "PRAAMS.bank.balance_sheet.loans_net\nPRAAMS.bank.balance_sheet.deposits\nPRAAMS.bank.balance_sheet.total_assets",
    "extra_inputs": "依左側必要欄位與限制核實",
    "data_class": "衍生（另購 PRAAMS）",
    "complexity": "核實另購／展示權",
    "rank": 6,
    "stage": "P1",
    "collection": "product",
    "source_urls": [
        "https://eodhistoricaldata.github.io/EODHD-openapi/redoc.html",
        "https://eodhd.com/marketplace/praams/bank"
    ],
    "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
        }
    }
}