{
    "id": "MAC-009",
    "category": "MAC",
    "title": "銀行參考利率與政府債息差",
    "question": "歐元銀行融資參考相對同期限政府債息的溢價如何變化？",
    "chart": "line",
    "metric": "EURIBOR減政府收益率（基點）",
    "secondary": "兩項原始利率與觀測日",
    "x": "日期",
    "y": "EURIBOR減政府收益率（基點）",
    "panels": [
        "主圖：EURIBOR減政府收益率（基點），依日期排列",
        "輔圖：兩項原始利率與觀測日",
        "明細：銀行參考利率與政府債息差的資料列、觀測日期與缺值狀態"
    ],
    "filters": [
        "國家／資產／貨幣",
        "資料日期與觀測頻率",
        "EURIBOR期限及歐元政府基準"
    ],
    "apis": [
        "EOD",
        "EXCHANGE"
    ],
    "calculation": "取已確認EURIBOR期限.MONEY及歐元國家同期限GBOND，計同日close差×100；無匹配期限留空。",
    "caveat": "EURIBOR與政府債收益率的信用、流動性和日界線不同；這不是OIS利差或純銀行信用風險。 各資產需對齊貨幣、交易日與時區；宏觀修訂值不代表當時已知數據。",
    "data_class": "衍生",
    "complexity": "高",
    "audience": "專業",
    "reach": 4,
    "frequency": 5,
    "decision": 6,
    "clarity": 7,
    "sample_labels": [
        "溢價收窄",
        "溢價平穩",
        "溢價擴大",
        "期限未匹配"
    ],
    "cadence": "依原始資料發布頻率；市場序列日更",
    "category_name": "宏觀、外匯與加密資產",
    "score": 51.0,
    "requires_user_input": false,
    "requires_extra_plan": false,
    "source_urls": [
        "https://eodhd.com/financial-apis/api-for-historical-data-and-volumes",
        "https://eodhd.com/financial-apis/exchanges-api-list-of-tickers-and-trading-hours"
    ],
    "rank": 936,
    "stage": "P4",
    "svg_file": "mockups/0936-MAC-009.svg",
    "demo_fingerprint": "fdb5d80d3a4f2c85",
    "collection": "catalogue",
    "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
        }
    }
}