{
    "id": "PRT-039",
    "category": "PRT",
    "title": "融資利息與收益負擔",
    "question": "借入資金的實際成本是否侵蝕投資成果？",
    "chart": "line",
    "metric": "累積融資利息（記帳幣）",
    "secondary": "平均借款成本（% 年率）",
    "x": "入帳日期",
    "y": "累積融資利息（記帳幣）",
    "panels": [
        "借款與利息曲線",
        "利息前後損益",
        "實際條款與費用"
    ],
    "filters": [
        "投資帳戶",
        "分析期間",
        "記帳幣別"
    ],
    "apis": [
        "EOD",
        "FX",
        "USER"
    ],
    "calculation": "使用用戶融資本金日餘額及已入帳利息計算有效成本，對照組合利息前後損益。",
    "caveat": "需要用戶的持倉／交易／現金流或情境設定；EODHD 不提供券商帳戶。EODHD 不提供個人融資條款；基準利率不可替代券商實際利率與計息方式。",
    "data_class": "用戶資料",
    "complexity": "高",
    "audience": "進階",
    "reach": 7,
    "frequency": 7,
    "decision": 7,
    "clarity": 10,
    "sample_labels": [
        "期初",
        "借款增加",
        "還款",
        "期末"
    ],
    "cadence": "每日收市及用戶交易更新後",
    "sample_note": "僅用於合成視覺示意，並非真實行情或投資成果。",
    "category_name": "投資組合",
    "score": 73.0,
    "requires_user_input": true,
    "requires_extra_plan": false,
    "source_urls": [
        "https://eodhd.com/financial-apis/api-for-historical-data-and-volumes",
        "https://eodhd.com/financial-apis/list-supported-forex-currencies"
    ],
    "rank": 513,
    "stage": "P3",
    "svg_file": "mockups/0513-PRT-039.svg",
    "demo_fingerprint": "d0551a2e0e04d533",
    "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
        }
    }
}