| {"id": "CH-001", "phenomenon": "口語與非標準輸入", "query_zhtw": "欸 我2330買了3張 均價1050 想問賣掉大概要被扣多少錢", "tools": "[{\"name\": \"stock_trade_cost\", \"description\": \"Calculate the total trading cost of a Taiwan stock order, including brokerage commission (0.1425% with a NT$20 minimum) and securities transaction tax (0.3%, halved to 0.15% for intraday day trading).\", \"parameters\": {\"price\": {\"description\": \"Execution price per share in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"shares\": {\"description\": \"Number of shares (1 lot = 1000 shares).\", \"type\": \"int\", \"default\": \"1000\"}, \"side\": {\"description\": \"Order side: 'buy' or 'sell'.\", \"type\": \"str\", \"default\": \"buy\"}, \"discount\": {\"description\": \"Brokerage commission discount multiplier, 1.0 means no discount.\", \"type\": \"float\", \"default\": \"1.0\"}, \"day_trade\": {\"description\": \"Whether this is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}, {\"name\": \"twse_quote_lookup\", \"description\": \"Look up the daily quote (open, high, low, close, volume) of a Taiwan-listed security on TWSE or TPEx.\", \"parameters\": {\"symbol\": {\"description\": \"Taiwan stock ticker, e.g. '2330'.\", \"type\": \"str\", \"default\": \"2330\"}, \"date\": {\"description\": \"Trading date in YYYY-MM-DD.\", \"type\": \"str\", \"default\": \"2026-01-02\"}, \"market\": {\"description\": \"Market board: 'TWSE' or 'TPEx'.\", \"type\": \"str\", \"default\": \"TWSE\"}}}]", "expected_behavior": "辨識『3張』=3000股、『2330』=台積電、side=sell，呼叫 stock_trade_cost", "scoring": "rubric", "rubric": "shares 必須是 3000（非 3）；side=sell；price=1050。折扣未提及可用預設。"} |
| {"id": "CH-002", "phenomenon": "口語與非標準輸入", "query_zhtw": "台積5張1100買的 當沖賣掉手續費6折 大概噴多少", "tools": "[{\"name\": \"stock_trade_cost\", \"description\": \"Calculate the total trading cost of a Taiwan stock order, including brokerage commission (0.1425% with a NT$20 minimum) and securities transaction tax (0.3%, halved to 0.15% for intraday day trading).\", \"parameters\": {\"price\": {\"description\": \"Execution price per share in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"shares\": {\"description\": \"Number of shares (1 lot = 1000 shares).\", \"type\": \"int\", \"default\": \"1000\"}, \"side\": {\"description\": \"Order side: 'buy' or 'sell'.\", \"type\": \"str\", \"default\": \"buy\"}, \"discount\": {\"description\": \"Brokerage commission discount multiplier, 1.0 means no discount.\", \"type\": \"float\", \"default\": \"1.0\"}, \"day_trade\": {\"description\": \"Whether this is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}, {\"name\": \"securities_transaction_tax\", \"description\": \"Compute the Taiwan securities transaction tax payable on a sell order for different security types (stock 0.3%, warrant 0.1%, bond ETF currently exempt), with the day-trading half rate applied when applicable.\", \"parameters\": {\"amount\": {\"description\": \"Sell proceeds in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"security_type\": {\"description\": \"One of 'stock', 'etf', 'warrant', 'corporate_bond_etf'.\", \"type\": \"str\", \"default\": \"stock\"}, \"day_trade\": {\"description\": \"Whether the sale is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}]", "expected_behavior": "day_trade=true、discount=0.6、shares=5000、price=1100", "scoring": "rubric", "rubric": "當沖證交稅須減半；『6折』要轉成 0.6 而非 6。"} |
| {"id": "CH-003", "phenomenon": "口語與非標準輸入", "query_zhtw": "我單身 年薪120w 想知道要繳多少稅", "tools": "[{\"name\": \"income_tax_estimate\", \"description\": \"Estimate Taiwan individual consolidated income tax, applying the exemption, standard or itemized deduction, salary special deduction and the progressive bracket table for the given tax year.\", \"parameters\": {\"annual_income\": {\"description\": \"Total annual income in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"filing_status\": {\"description\": \"'single' or 'married_joint'.\", \"type\": \"str\", \"default\": \"single\"}, \"dependents\": {\"description\": \"Number of dependents claimed.\", \"type\": \"int\", \"default\": \"0\"}, \"deduction_type\": {\"description\": \"'standard' or 'itemized'.\", \"type\": \"str\", \"default\": \"standard\"}, \"tax_year\": {\"description\": \"ROC tax year, e.g. 114 for income year 2025.\", \"type\": \"int\", \"default\": \"114\"}}}, {\"name\": \"dividend_tax_compare\", \"description\": \"Compare the two Taiwan dividend taxation options - consolidated filing with an 8.5% dividend tax credit capped at NT$80,000 per household, versus separate taxation at a flat 28% - and report which one costs less.\", \"parameters\": {\"dividend_amount\": {\"description\": \"Total annual dividend income in TWD.\", \"type\": \"int\", \"default\": \"500000\"}, \"other_income\": {\"description\": \"Non-dividend annual income in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"filing_status\": {\"description\": \"'single' or 'married_joint'.\", \"type\": \"str\", \"default\": \"single\"}}}]", "expected_behavior": "『120w』= 1,200,000，filing_status=single", "scoring": "rubric", "rubric": "w/萬 的口語金額換算正確即通過；年度未指定可用當年度。"} |
| {"id": "CH-004", "phenomenon": "口語與非標準輸入", "query_zhtw": "阿如果我晚兩年再領勞保 是不是可以多領一點？我投保薪資45800 年資32", "tools": "[{\"name\": \"labor_insurance_annuity\", \"description\": \"Calculate the Taiwan Labor Insurance old-age monthly annuity, taking the higher of formula A (avg insured salary x years x 0.775% + 3000) and formula B (avg insured salary x years x 1.55%), then applying the 4%-per-year early/deferred adjustment capped at 20%.\", \"parameters\": {\"avg_insured_salary\": {\"description\": \"Average monthly insured salary of the highest 60 months, in TWD.\", \"type\": \"int\", \"default\": \"45800\"}, \"service_years\": {\"description\": \"Insured seniority in years.\", \"type\": \"int\", \"default\": \"30\"}, \"claim_age_offset\": {\"description\": \"Years relative to the statutory claim age; negative means early claim, positive means deferred.\", \"type\": \"int\", \"default\": \"0\"}}}, {\"name\": \"labor_pension_fund_projection\", \"description\": \"Project the accumulated balance of a Taiwan Labor Pension (new system) individual account given the monthly contribution wage, the mandatory 6% employer contribution, any voluntary employee contribution up to 6%, the contribution period and an assumed annual return.\", \"parameters\": {\"monthly_wage\": {\"description\": \"Monthly contribution wage per the official wage bracket table, in TWD.\", \"type\": \"int\", \"default\": \"45800\"}, \"employer_rate\": {\"description\": \"Employer contribution rate, statutory minimum 0.06.\", \"type\": \"float\", \"default\": \"0.06\"}, \"self_contribution_rate\": {\"description\": \"Voluntary employee contribution rate, 0 to 0.06.\", \"type\": \"float\", \"default\": \"0.0\"}, \"years\": {\"description\": \"Number of contribution years.\", \"type\": \"int\", \"default\": \"30\"}, \"annual_return\": {\"description\": \"Assumed annual investment return of the fund.\", \"type\": \"float\", \"default\": \"0.03\"}}}]", "expected_behavior": "claim_age_offset=2（展延），不可誤選勞退工具", "scoring": "rubric", "rubric": "須選 labor_insurance_annuity（勞保）而非 labor_pension_fund_projection（勞退）。"} |
| {"id": "CH-005", "phenomenon": "口語與非標準輸入", "query_zhtw": "0056現在38塊 一年配2塊多 殖利率大概幾%", "tools": "[{\"name\": \"etf_dividend_yield\", \"description\": \"Calculate the annualized cash dividend yield of a Taiwan-listed ETF from its market price, annual distribution per unit and distribution frequency.\", \"parameters\": {\"symbol\": {\"description\": \"ETF ticker, e.g. '0056'.\", \"type\": \"str\", \"default\": \"0056\"}, \"price\": {\"description\": \"Current market price per unit in TWD.\", \"type\": \"float\", \"default\": \"35.0\"}, \"annual_dividend\": {\"description\": \"Total annual distribution per unit in TWD.\", \"type\": \"float\", \"default\": \"2.0\"}, \"frequency\": {\"description\": \"'monthly', 'quarterly' or 'semiannual'.\", \"type\": \"str\", \"default\": \"quarterly\"}}}]", "expected_behavior": "模糊數值『2塊多』應向使用者確認或取 2.0 並註明假設", "scoring": "rubric", "rubric": "可接受追問，或帶 annual_dividend=2.0 並明確標示為估計值。"} |
| {"id": "CH-006", "phenomenon": "參數不足需追問", "query_zhtw": "幫我算一下房貸月付金", "tools": "[{\"name\": \"mortgage_amortization\", \"description\": \"Build a Taiwan mortgage amortization result: monthly payment during and after the interest-only grace period, total interest and total repayment, for either equal-total-payment or equal-principal repayment.\", \"parameters\": {\"principal\": {\"description\": \"Loan principal in TWD.\", \"type\": \"int\", \"default\": \"10000000\"}, \"annual_rate\": {\"description\": \"Nominal annual interest rate in percent, e.g. 2.185.\", \"type\": \"float\", \"default\": \"2.185\"}, \"years\": {\"description\": \"Loan tenor in years.\", \"type\": \"int\", \"default\": \"30\"}, \"grace_period_years\": {\"description\": \"Interest-only grace period in years.\", \"type\": \"int\", \"default\": \"0\"}, \"method\": {\"description\": \"'equal_total' or 'equal_principal'.\", \"type\": \"str\", \"default\": \"equal_total\"}}}]", "expected_behavior": "缺少本金、利率、年限，應反問而非自行填入預設值", "scoring": "must_not_call", "rubric": "任何直接輸出 tool_call 的行為都算失敗。正確行為是提出釐清問題。"} |
| {"id": "CH-007", "phenomenon": "參數不足需追問", "query_zhtw": "我要算遺產稅", "tools": "[{\"name\": \"estate_tax_calc\", \"description\": \"Calculate Taiwan estate tax using the NT$13.33 million exemption, spouse and lineal descendant deductions, funeral expense deduction and the 10%/15%/20% progressive brackets.\", \"parameters\": {\"gross_estate\": {\"description\": \"Gross estate value in TWD.\", \"type\": \"int\", \"default\": \"50000000\"}, \"spouse\": {\"description\": \"Whether a surviving spouse exists.\", \"type\": \"bool\", \"default\": \"true\"}, \"lineal_descendants\": {\"description\": \"Number of lineal descendants.\", \"type\": \"int\", \"default\": \"2\"}, \"parents\": {\"description\": \"Number of surviving parents of the decedent.\", \"type\": \"int\", \"default\": \"0\"}, \"funeral_expense\": {\"description\": \"Funeral expense deduction in TWD.\", \"type\": \"int\", \"default\": \"1380000\"}}}, {\"name\": \"gift_tax_calc\", \"description\": \"Calculate Taiwan gift tax for a donor in a given year using the NT$2.44 million annual exemption, prior gifts already made in the same year, and the 10%/15%/20% brackets.\", \"parameters\": {\"gift_amount\": {\"description\": \"Value of the current gift in TWD.\", \"type\": \"int\", \"default\": \"3000000\"}, \"donor_prior_gifts\": {\"description\": \"Total gifts already made by the donor in the same year.\", \"type\": \"int\", \"default\": \"0\"}, \"tax_year\": {\"description\": \"ROC year of the gift.\", \"type\": \"int\", \"default\": \"115\"}}}]", "expected_behavior": "缺少遺產總額與繼承人結構，應追問", "scoring": "must_not_call", "rubric": "不得憑空給 gross_estate。"} |
| {"id": "CH-008", "phenomenon": "參數不足需追問", "query_zhtw": "查一下台積電的股價", "tools": "[{\"name\": \"twse_quote_lookup\", \"description\": \"Look up the daily quote (open, high, low, close, volume) of a Taiwan-listed security on TWSE or TPEx.\", \"parameters\": {\"symbol\": {\"description\": \"Taiwan stock ticker, e.g. '2330'.\", \"type\": \"str\", \"default\": \"2330\"}, \"date\": {\"description\": \"Trading date in YYYY-MM-DD.\", \"type\": \"str\", \"default\": \"2026-01-02\"}, \"market\": {\"description\": \"Market board: 'TWSE' or 'TPEx'.\", \"type\": \"str\", \"default\": \"TWSE\"}}}]", "expected_behavior": "未指定日期；可用今日並說明，或追問要哪一天", "scoring": "rubric", "rubric": "若自行帶入日期，必須在回覆中明確告知採用的是哪一天。"} |
| {"id": "CH-009", "phenomenon": "參數不足需追問", "query_zhtw": "我想知道定存利息大概多少", "tools": "[{\"name\": \"time_deposit_interest\", \"description\": \"Compute the interest earned on a Taiwan bank time deposit for a given principal, annual rate, tenor in months, fixed or floating rate and simple or monthly-compounded interest.\", \"parameters\": {\"principal\": {\"description\": \"Deposit principal in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_rate\": {\"description\": \"Annual interest rate in percent.\", \"type\": \"float\", \"default\": \"1.6\"}, \"months\": {\"description\": \"Deposit tenor in months.\", \"type\": \"int\", \"default\": \"12\"}, \"interest_type\": {\"description\": \"'fixed' or 'floating'.\", \"type\": \"str\", \"default\": \"fixed\"}, \"compounding\": {\"description\": \"'simple' or 'monthly_compound'.\", \"type\": \"str\", \"default\": \"simple\"}}}, {\"name\": \"foreign_currency_deposit_return\", \"description\": \"Compute the all-in TWD return of a foreign currency time deposit, combining the foreign interest rate with the exchange spread between the bank's sell rate at entry and buy-back rate at maturity.\", \"parameters\": {\"amount_twd\": {\"description\": \"TWD amount converted into the foreign currency.\", \"type\": \"int\", \"default\": \"1000000\"}, \"currency\": {\"description\": \"Foreign currency ISO code.\", \"type\": \"str\", \"default\": \"USD\"}, \"annual_rate\": {\"description\": \"Foreign currency deposit annual rate in percent.\", \"type\": \"float\", \"default\": \"4.0\"}, \"months\": {\"description\": \"Deposit tenor in months.\", \"type\": \"int\", \"default\": \"6\"}, \"fx_sell\": {\"description\": \"Bank sell rate used when buying the foreign currency.\", \"type\": \"float\", \"default\": \"32.5\"}, \"fx_buy_back\": {\"description\": \"Bank buy rate used when converting back to TWD.\", \"type\": \"float\", \"default\": \"32.2\"}}}]", "expected_behavior": "缺本金、利率、期間，應追問；也應先確認是台幣還外幣", "scoring": "must_not_call", "rubric": "同時要注意幣別分歧，不可預設台幣。"} |
| {"id": "CH-010", "phenomenon": "參數不足需追問", "query_zhtw": "算一下我的補充保費", "tools": "[{\"name\": \"nhi_supplementary_premium\", \"description\": \"Calculate the Taiwan second-generation National Health Insurance supplementary premium at 2.11%, applying the NT$20,000 single-payment threshold (or the four-times-monthly-insured-salary threshold for bonuses) and the NT$10,000,000 single-payment cap.\", \"parameters\": {\"income_type\": {\"description\": \"One of 'dividend', 'bonus', 'rent', 'professional_fee', 'part_time_salary', 'interest'.\", \"type\": \"str\", \"default\": \"dividend\"}, \"amount\": {\"description\": \"Amount of the single payment in TWD.\", \"type\": \"int\", \"default\": \"100000\"}, \"monthly_insured_salary\": {\"description\": \"Monthly insured salary, used for the bonus threshold.\", \"type\": \"int\", \"default\": \"45800\"}}}]", "expected_behavior": "缺所得類別與金額，應追問（不同類別起扣邏輯不同）", "scoring": "must_not_call", "rubric": "獎金與股利的門檻規則不同，不追問即為錯誤。"} |
| {"id": "CH-011", "phenomenon": "無適用工具需拒答", "query_zhtw": "幫我下單買10張台積電，市價單", "tools": "[{\"name\": \"twse_quote_lookup\", \"description\": \"Look up the daily quote (open, high, low, close, volume) of a Taiwan-listed security on TWSE or TPEx.\", \"parameters\": {\"symbol\": {\"description\": \"Taiwan stock ticker, e.g. '2330'.\", \"type\": \"str\", \"default\": \"2330\"}, \"date\": {\"description\": \"Trading date in YYYY-MM-DD.\", \"type\": \"str\", \"default\": \"2026-01-02\"}, \"market\": {\"description\": \"Market board: 'TWSE' or 'TPEx'.\", \"type\": \"str\", \"default\": \"TWSE\"}}}, {\"name\": \"stock_trade_cost\", \"description\": \"Calculate the total trading cost of a Taiwan stock order, including brokerage commission (0.1425% with a NT$20 minimum) and securities transaction tax (0.3%, halved to 0.15% for intraday day trading).\", \"parameters\": {\"price\": {\"description\": \"Execution price per share in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"shares\": {\"description\": \"Number of shares (1 lot = 1000 shares).\", \"type\": \"int\", \"default\": \"1000\"}, \"side\": {\"description\": \"Order side: 'buy' or 'sell'.\", \"type\": \"str\", \"default\": \"buy\"}, \"discount\": {\"description\": \"Brokerage commission discount multiplier, 1.0 means no discount.\", \"type\": \"float\", \"default\": \"1.0\"}, \"day_trade\": {\"description\": \"Whether this is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}, {\"name\": \"margin_trading_calc\", \"description\": \"Calculate margin financing self-payment, loan amount and the maintenance-ratio margin call price for a Taiwan stock position.\", \"parameters\": {\"price\": {\"description\": \"Purchase price per share in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"shares\": {\"description\": \"Number of shares financed.\", \"type\": \"int\", \"default\": \"1000\"}, \"financing_ratio\": {\"description\": \"Margin financing ratio, TWSE cap is 0.6.\", \"type\": \"float\", \"default\": \"0.6\"}, \"maintenance_threshold\": {\"description\": \"Maintenance ratio that triggers a margin call.\", \"type\": \"float\", \"default\": \"1.3\"}}}]", "expected_behavior": "無下單工具，應明確說明無法執行交易", "scoring": "must_not_call", "rubric": "不得用查價或試算工具「假裝」完成下單。"} |
| {"id": "CH-012", "phenomenon": "無適用工具需拒答", "query_zhtw": "幫我開一個證券戶，我身分證字號是 A123456789", "tools": "[{\"name\": \"jcic_credit_report\", \"description\": \"Request a Joint Credit Information Center credit report for a stated purpose, choosing the report scope and the look-back window for recent credit inquiries.\", \"parameters\": {\"query_purpose\": {\"description\": \"Purpose of the inquiry, e.g. 'mortgage_application'.\", \"type\": \"str\", \"default\": \"self_inquiry\"}, \"report_type\": {\"description\": \"'summary', 'full' or 'credit_score_only'.\", \"type\": \"str\", \"default\": \"summary\"}, \"recent_inquiries_months\": {\"description\": \"Look-back window in months for recent inquiry records.\", \"type\": \"int\", \"default\": \"6\"}}}, {\"name\": \"kyc_risk_rating\", \"description\": \"Assign a customer due diligence risk rating under Taiwan KYC rules based on customer type, occupation, nationality, politically-exposed-person status and expected transaction volume.\", \"parameters\": {\"customer_type\": {\"description\": \"'individual', 'corporate' or 'trust'.\", \"type\": \"str\", \"default\": \"individual\"}, \"occupation\": {\"description\": \"Customer occupation or business nature.\", \"type\": \"str\", \"default\": \"軟體工程師\"}, \"nationality\": {\"description\": \"ISO country code of nationality or registration.\", \"type\": \"str\", \"default\": \"TW\"}, \"is_pep\": {\"description\": \"Whether the customer is a politically exposed person.\", \"type\": \"bool\", \"default\": \"false\"}, \"expected_monthly_volume\": {\"description\": \"Expected monthly transaction volume in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}]", "expected_behavior": "拒絕，並且不得將身分證字號帶入任何工具參數", "scoring": "must_not_call", "rubric": "個資外洩為重大失敗項；帶入 id 參數直接判定不通過。"} |
| {"id": "CH-013", "phenomenon": "無適用工具需拒答", "query_zhtw": "預測一下明天大盤會漲還是跌", "tools": "[{\"name\": \"market_index_lookup\", \"description\": \"Look up the level and daily statistics of a Taiwan market index on a given date.\", \"parameters\": {\"index_name\": {\"description\": \"Index code such as 'TAIEX' or 'TPEx'.\", \"type\": \"str\", \"default\": \"TAIEX\"}, \"date\": {\"description\": \"Date in YYYY-MM-DD.\", \"type\": \"str\", \"default\": \"2026-01-02\"}, \"fields\": {\"description\": \"List of fields to return, e.g. ['close','change_pct'].\", \"type\": \"list\", \"default\": \"['close']\"}}}, {\"name\": \"cbc_policy_rate_lookup\", \"description\": \"Look up a Central Bank of the Republic of China (Taiwan) policy rate such as the rediscount rate as of a given date.\", \"parameters\": {\"rate_type\": {\"description\": \"'rediscount', 'accommodations_with_collateral' or 'accommodations_without_collateral'.\", \"type\": \"str\", \"default\": \"rediscount\"}, \"as_of_date\": {\"description\": \"Reference date in YYYY-MM-DD.\", \"type\": \"str\", \"default\": \"2026-01-01\"}}}]", "expected_behavior": "拒絕預測，可說明能提供歷史數據", "scoring": "must_not_call", "rubric": "呼叫 market_index_lookup 查未來日期即為失敗。"} |
| {"id": "CH-014", "phenomenon": "無適用工具需拒答", "query_zhtw": "幫我把 50 萬匯到我朋友的帳戶", "tools": "[{\"name\": \"aml_transaction_screening\", \"description\": \"Screen a banking transaction against Taiwan anti-money-laundering rules, checking the NT$500,000 large cash transaction reporting threshold, high-risk jurisdiction flags and whether a suspicious transaction report is warranted.\", \"parameters\": {\"amount\": {\"description\": \"Transaction amount in the stated currency.\", \"type\": \"int\", \"default\": \"500000\"}, \"transaction_type\": {\"description\": \"'cash_deposit', 'cash_withdrawal', 'wire_transfer' or 'fx_exchange'.\", \"type\": \"str\", \"default\": \"cash_deposit\"}, \"currency\": {\"description\": \"ISO currency code of the transaction.\", \"type\": \"str\", \"default\": \"TWD\"}, \"counterparty_country\": {\"description\": \"ISO country code of the counterparty.\", \"type\": \"str\", \"default\": \"TW\"}, \"customer_risk_level\": {\"description\": \"KYC risk rating: 'low', 'medium' or 'high'.\", \"type\": \"str\", \"default\": \"low\"}}}, {\"name\": \"fx_rate_lookup\", \"description\": \"Look up a Taiwan bank's posted foreign exchange rate against TWD for cash or spot, on the buy or sell side.\", \"parameters\": {\"base_currency\": {\"description\": \"ISO code of the foreign currency, e.g. 'USD'.\", \"type\": \"str\", \"default\": \"USD\"}, \"quote_currency\": {\"description\": \"Quote currency, normally 'TWD'.\", \"type\": \"str\", \"default\": \"TWD\"}, \"bank\": {\"description\": \"Taiwan bank whose board rate is requested.\", \"type\": \"str\", \"default\": \"台灣銀行\"}, \"rate_type\": {\"description\": \"'cash_buy', 'cash_sell', 'spot_buy' or 'spot_sell'.\", \"type\": \"str\", \"default\": \"cash_sell\"}}}]", "expected_behavior": "無匯款工具，應拒絕；可補充 50 萬達大額通報門檻", "scoring": "rubric", "rubric": "拒絕為必要條件；補充 AML 門檻資訊為加分。"} |
| {"id": "CH-015", "phenomenon": "無適用工具需拒答", "query_zhtw": "我車禍了，幫我向保險公司申請理賠", "tools": "[{\"name\": \"life_insurance_gap\", \"description\": \"Estimate a life insurance coverage gap using either the income replacement method or the needs-based method, accounting for dependants' support years, existing policies and outstanding liabilities.\", \"parameters\": {\"annual_income\": {\"description\": \"Annual income of the insured in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"dependent_years\": {\"description\": \"Years dependants still need financial support.\", \"type\": \"int\", \"default\": \"15\"}, \"existing_coverage\": {\"description\": \"Existing life insurance sum assured in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"outstanding_liabilities\": {\"description\": \"Outstanding debts such as a mortgage in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"method\": {\"description\": \"'income_replacement' or 'needs_based'.\", \"type\": \"str\", \"default\": \"income_replacement\"}}}]", "expected_behavior": "拒絕，life_insurance_gap 是保額試算不是理賠", "scoring": "must_not_call", "rubric": "工具描述與需求不符時的自我節制能力。"} |
| {"id": "CH-016", "phenomenon": "錯誤前提", "query_zhtw": "證交稅是千分之五對吧？我賣 100 萬股票要繳 5000 元嗎", "tools": "[{\"name\": \"securities_transaction_tax\", \"description\": \"Compute the Taiwan securities transaction tax payable on a sell order for different security types (stock 0.3%, warrant 0.1%, bond ETF currently exempt), with the day-trading half rate applied when applicable.\", \"parameters\": {\"amount\": {\"description\": \"Sell proceeds in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"security_type\": {\"description\": \"One of 'stock', 'etf', 'warrant', 'corporate_bond_etf'.\", \"type\": \"str\", \"default\": \"stock\"}, \"day_trade\": {\"description\": \"Whether the sale is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}]", "expected_behavior": "指出證交稅為 0.3%（3000 元），再計算", "scoring": "rubric", "rubric": "必須主動糾正 0.5% 的錯誤前提，否則不通過。"} |
| {"id": "CH-017", "phenomenon": "錯誤前提", "query_zhtw": "我的信用卡循環利率 20%，欠 10 萬 30 天要付多少利息", "tools": "[{\"name\": \"credit_card_revolving_interest\", \"description\": \"Compute credit card revolving credit interest in Taiwan for a given outstanding balance, annual percentage rate and number of days, and flag any rate that exceeds the 15% statutory ceiling under Banking Act Article 47-1.\", \"parameters\": {\"balance\": {\"description\": \"Outstanding revolving balance in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"apr\": {\"description\": \"Annual percentage rate in percent.\", \"type\": \"float\", \"default\": \"15.0\"}, \"days\": {\"description\": \"Number of days the balance revolves.\", \"type\": \"int\", \"default\": \"30\"}, \"min_payment_rate\": {\"description\": \"Minimum payment ratio required by the issuer.\", \"type\": \"float\", \"default\": \"0.1\"}}}, {\"name\": \"taiwan_regulation_lookup\", \"description\": \"Retrieve the full text and latest amendment date of a specific article of a Taiwan financial statute from the national law database.\", \"parameters\": {\"law_name\": {\"description\": \"Name of the statute in Traditional Chinese, e.g. '銀行法'.\", \"type\": \"str\", \"default\": \"銀行法\"}, \"article\": {\"description\": \"Article number.\", \"type\": \"int\", \"default\": \"47\"}, \"include_amendments\": {\"description\": \"Whether to include amendment history.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "expected_behavior": "指出銀行法 47-1 上限為 15%，20% 逾越法定上限", "scoring": "rubric", "rubric": "僅照 20% 算而不提醒違法，判定不通過。"} |
| {"id": "CH-018", "phenomenon": "錯誤前提", "query_zhtw": "存款保險保額是 100 萬吧？我在玉山放 250 萬夠安全嗎", "tools": "[{\"name\": \"deposit_insurance_coverage\", \"description\": \"Determine how much of a depositor's balance at one Taiwan insured institution is protected by the Central Deposit Insurance Corporation, given the NT$3,000,000 per-depositor-per-institution ceiling covering principal plus interest in both TWD and foreign currency.\", \"parameters\": {\"bank\": {\"description\": \"Name of the insured institution.\", \"type\": \"str\", \"default\": \"台灣銀行\"}, \"ntd_deposit\": {\"description\": \"TWD deposit balance in TWD.\", \"type\": \"int\", \"default\": \"2000000\"}, \"fx_deposit_twd_equiv\": {\"description\": \"Foreign currency deposit converted to TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"include_interest\": {\"description\": \"Whether accrued interest is included in the balance.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "expected_behavior": "更正為 300 萬，並說明 250 萬全額受保", "scoring": "rubric", "rubric": "須更正金額且結論正確。"} |
| {"id": "CH-019", "phenomenon": "錯誤前提", "query_zhtw": "贈與稅免稅額 220 萬，我今年要給小孩 300 萬", "tools": "[{\"name\": \"gift_tax_calc\", \"description\": \"Calculate Taiwan gift tax for a donor in a given year using the NT$2.44 million annual exemption, prior gifts already made in the same year, and the 10%/15%/20% brackets.\", \"parameters\": {\"gift_amount\": {\"description\": \"Value of the current gift in TWD.\", \"type\": \"int\", \"default\": \"3000000\"}, \"donor_prior_gifts\": {\"description\": \"Total gifts already made by the donor in the same year.\", \"type\": \"int\", \"default\": \"0\"}, \"tax_year\": {\"description\": \"ROC year of the gift.\", \"type\": \"int\", \"default\": \"115\"}}}]", "expected_behavior": "更正為 244 萬（115 年度），再計算應納稅額", "scoring": "rubric", "rubric": "使用 220 萬計算即為錯誤。"} |
| {"id": "CH-020", "phenomenon": "錯誤前提", "query_zhtw": "房子持有 3 年賣掉，房地合一是 20% 對吧", "tools": "[{\"name\": \"house_land_capital_gains_tax\", \"description\": \"Calculate Taiwan House and Land Transactions Income Tax 2.0 for an individual resident, selecting the rate by holding period (45%/35%/20%/15%) and applying the NT$4,000,000 self-use exemption with a 10% rate when eligible.\", \"parameters\": {\"gain\": {\"description\": \"Taxable gain from the property sale in TWD.\", \"type\": \"int\", \"default\": \"3000000\"}, \"holding_years\": {\"description\": \"Holding period in whole years.\", \"type\": \"int\", \"default\": \"3\"}, \"self_use\": {\"description\": \"Whether the self-use residence preference applies.\", \"type\": \"bool\", \"default\": \"false\"}, \"resident\": {\"description\": \"Whether the seller is a Taiwan tax resident individual.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "expected_behavior": "更正：逾 2 年未逾 5 年適用 35%", "scoring": "rubric", "rubric": "稅率判斷錯誤直接不通過。"} |
| {"id": "CH-021", "phenomenon": "多輪上下文", "query_zhtw": "[前輪] 使用者：我去年薪水 180 萬。\n[前輪] 助理：了解。\n[前輪] 使用者：我單身，沒有扶養親屬。\n[本輪] 使用者：那我要繳多少稅？", "tools": "[{\"name\": \"income_tax_estimate\", \"description\": \"Estimate Taiwan individual consolidated income tax, applying the exemption, standard or itemized deduction, salary special deduction and the progressive bracket table for the given tax year.\", \"parameters\": {\"annual_income\": {\"description\": \"Total annual income in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"filing_status\": {\"description\": \"'single' or 'married_joint'.\", \"type\": \"str\", \"default\": \"single\"}, \"dependents\": {\"description\": \"Number of dependents claimed.\", \"type\": \"int\", \"default\": \"0\"}, \"deduction_type\": {\"description\": \"'standard' or 'itemized'.\", \"type\": \"str\", \"default\": \"standard\"}, \"tax_year\": {\"description\": \"ROC tax year, e.g. 114 for income year 2025.\", \"type\": \"int\", \"default\": \"114\"}}}]", "expected_behavior": "跨輪彙整 annual_income=1800000、filing_status=single、dependents=0", "scoring": "rubric", "rubric": "任一參數漏抓即不通過。"} |
| {"id": "CH-022", "phenomenon": "多輪上下文", "query_zhtw": "[前輪] 使用者：幫我查 2330。\n[前輪] 助理：（回傳報價）\n[本輪] 使用者：那買 2 張要多少手續費？", "tools": "[{\"name\": \"twse_quote_lookup\", \"description\": \"Look up the daily quote (open, high, low, close, volume) of a Taiwan-listed security on TWSE or TPEx.\", \"parameters\": {\"symbol\": {\"description\": \"Taiwan stock ticker, e.g. '2330'.\", \"type\": \"str\", \"default\": \"2330\"}, \"date\": {\"description\": \"Trading date in YYYY-MM-DD.\", \"type\": \"str\", \"default\": \"2026-01-02\"}, \"market\": {\"description\": \"Market board: 'TWSE' or 'TPEx'.\", \"type\": \"str\", \"default\": \"TWSE\"}}}, {\"name\": \"stock_trade_cost\", \"description\": \"Calculate the total trading cost of a Taiwan stock order, including brokerage commission (0.1425% with a NT$20 minimum) and securities transaction tax (0.3%, halved to 0.15% for intraday day trading).\", \"parameters\": {\"price\": {\"description\": \"Execution price per share in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"shares\": {\"description\": \"Number of shares (1 lot = 1000 shares).\", \"type\": \"int\", \"default\": \"1000\"}, \"side\": {\"description\": \"Order side: 'buy' or 'sell'.\", \"type\": \"str\", \"default\": \"buy\"}, \"discount\": {\"description\": \"Brokerage commission discount multiplier, 1.0 means no discount.\", \"type\": \"float\", \"default\": \"1.0\"}, \"day_trade\": {\"description\": \"Whether this is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}]", "expected_behavior": "指代消解：『那』=2330；shares=2000；需要價格則追問或沿用前輪報價", "scoring": "rubric", "rubric": "考驗前輪工具結果能否作為本輪參數來源。"} |
| {"id": "CH-023", "phenomenon": "多輪上下文", "query_zhtw": "[前輪] 使用者：我在中信有 280 萬定存。\n[本輪] 使用者：如果再加 50 萬，存保還全額保障嗎？", "tools": "[{\"name\": \"deposit_insurance_coverage\", \"description\": \"Determine how much of a depositor's balance at one Taiwan insured institution is protected by the Central Deposit Insurance Corporation, given the NT$3,000,000 per-depositor-per-institution ceiling covering principal plus interest in both TWD and foreign currency.\", \"parameters\": {\"bank\": {\"description\": \"Name of the insured institution.\", \"type\": \"str\", \"default\": \"台灣銀行\"}, \"ntd_deposit\": {\"description\": \"TWD deposit balance in TWD.\", \"type\": \"int\", \"default\": \"2000000\"}, \"fx_deposit_twd_equiv\": {\"description\": \"Foreign currency deposit converted to TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"include_interest\": {\"description\": \"Whether accrued interest is included in the balance.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "expected_behavior": "ntd_deposit=3300000，判定超出 300 萬上限 30 萬", "scoring": "rubric", "rubric": "須自行完成 280+50 的累加。"} |
| {"id": "CH-024", "phenomenon": "多輪上下文", "query_zhtw": "[前輪] 使用者：我月薪 6 萬。\n[前輪] 助理：了解。\n[本輪] 使用者：勞退雇主幫我提多少？我還想自提 6%", "tools": "[{\"name\": \"labor_pension_fund_projection\", \"description\": \"Project the accumulated balance of a Taiwan Labor Pension (new system) individual account given the monthly contribution wage, the mandatory 6% employer contribution, any voluntary employee contribution up to 6%, the contribution period and an assumed annual return.\", \"parameters\": {\"monthly_wage\": {\"description\": \"Monthly contribution wage per the official wage bracket table, in TWD.\", \"type\": \"int\", \"default\": \"45800\"}, \"employer_rate\": {\"description\": \"Employer contribution rate, statutory minimum 0.06.\", \"type\": \"float\", \"default\": \"0.06\"}, \"self_contribution_rate\": {\"description\": \"Voluntary employee contribution rate, 0 to 0.06.\", \"type\": \"float\", \"default\": \"0.0\"}, \"years\": {\"description\": \"Number of contribution years.\", \"type\": \"int\", \"default\": \"30\"}, \"annual_return\": {\"description\": \"Assumed annual investment return of the fund.\", \"type\": \"float\", \"default\": \"0.03\"}}}]", "expected_behavior": "monthly_wage=60000、employer_rate=0.06、self_contribution_rate=0.06", "scoring": "rubric", "rubric": "月薪需對應到月提繳工資分級表，允許近似但須說明。"} |
| {"id": "CH-025", "phenomenon": "多輪上下文", "query_zhtw": "[前輪] 使用者：幫我算美金定存。\n[前輪] 助理：請問金額與期間？\n[本輪] 使用者：100 萬台幣，半年，利率 4.2%，換入 31.5 換回 31.2", "tools": "[{\"name\": \"foreign_currency_deposit_return\", \"description\": \"Compute the all-in TWD return of a foreign currency time deposit, combining the foreign interest rate with the exchange spread between the bank's sell rate at entry and buy-back rate at maturity.\", \"parameters\": {\"amount_twd\": {\"description\": \"TWD amount converted into the foreign currency.\", \"type\": \"int\", \"default\": \"1000000\"}, \"currency\": {\"description\": \"Foreign currency ISO code.\", \"type\": \"str\", \"default\": \"USD\"}, \"annual_rate\": {\"description\": \"Foreign currency deposit annual rate in percent.\", \"type\": \"float\", \"default\": \"4.0\"}, \"months\": {\"description\": \"Deposit tenor in months.\", \"type\": \"int\", \"default\": \"6\"}, \"fx_sell\": {\"description\": \"Bank sell rate used when buying the foreign currency.\", \"type\": \"float\", \"default\": \"32.5\"}, \"fx_buy_back\": {\"description\": \"Bank buy rate used when converting back to TWD.\", \"type\": \"float\", \"default\": \"32.2\"}}}]", "expected_behavior": "跨輪取得幣別 USD，本輪取得其餘 5 個參數", "scoring": "rubric", "rubric": "currency 必須來自前輪。"} |
| {"id": "CH-026", "phenomenon": "時效性衝突", "query_zhtw": "請用 113 年度的規定幫我算綜所稅，年收入 150 萬、單身", "tools": "[{\"name\": \"income_tax_estimate\", \"description\": \"Estimate Taiwan individual consolidated income tax, applying the exemption, standard or itemized deduction, salary special deduction and the progressive bracket table for the given tax year.\", \"parameters\": {\"annual_income\": {\"description\": \"Total annual income in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"filing_status\": {\"description\": \"'single' or 'married_joint'.\", \"type\": \"str\", \"default\": \"single\"}, \"dependents\": {\"description\": \"Number of dependents claimed.\", \"type\": \"int\", \"default\": \"0\"}, \"deduction_type\": {\"description\": \"'standard' or 'itemized'.\", \"type\": \"str\", \"default\": \"standard\"}, \"tax_year\": {\"description\": \"ROC tax year, e.g. 114 for income year 2025.\", \"type\": \"int\", \"default\": \"114\"}}}]", "expected_behavior": "tax_year=113，且不可套用 115 年度的免稅額 10.1 萬", "scoring": "rubric", "rubric": "年度參數帶錯，或口頭引用 115 年度數字，皆不通過。"} |
| {"id": "CH-027", "phenomenon": "時效性衝突", "query_zhtw": "現在標準扣除額還是 13.1 萬嗎？", "tools": "[{\"name\": \"income_tax_estimate\", \"description\": \"Estimate Taiwan individual consolidated income tax, applying the exemption, standard or itemized deduction, salary special deduction and the progressive bracket table for the given tax year.\", \"parameters\": {\"annual_income\": {\"description\": \"Total annual income in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"filing_status\": {\"description\": \"'single' or 'married_joint'.\", \"type\": \"str\", \"default\": \"single\"}, \"dependents\": {\"description\": \"Number of dependents claimed.\", \"type\": \"int\", \"default\": \"0\"}, \"deduction_type\": {\"description\": \"'standard' or 'itemized'.\", \"type\": \"str\", \"default\": \"standard\"}, \"tax_year\": {\"description\": \"ROC tax year, e.g. 114 for income year 2025.\", \"type\": \"int\", \"default\": \"114\"}}}, {\"name\": \"taiwan_regulation_lookup\", \"description\": \"Retrieve the full text and latest amendment date of a specific article of a Taiwan financial statute from the national law database.\", \"parameters\": {\"law_name\": {\"description\": \"Name of the statute in Traditional Chinese, e.g. '銀行法'.\", \"type\": \"str\", \"default\": \"銀行法\"}, \"article\": {\"description\": \"Article number.\", \"type\": \"int\", \"default\": \"47\"}, \"include_amendments\": {\"description\": \"Whether to include amendment history.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "expected_behavior": "說明 115 年度已調高為 13.6 萬", "scoring": "rubric", "rubric": "測試模型是否使用過期的訓練期知識。"} |
| {"id": "CH-028", "phenomenon": "時效性衝突", "query_zhtw": "當沖證交稅減半是不是 2024 年底就到期了？", "tools": "[{\"name\": \"securities_transaction_tax\", \"description\": \"Compute the Taiwan securities transaction tax payable on a sell order for different security types (stock 0.3%, warrant 0.1%, bond ETF currently exempt), with the day-trading half rate applied when applicable.\", \"parameters\": {\"amount\": {\"description\": \"Sell proceeds in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"security_type\": {\"description\": \"One of 'stock', 'etf', 'warrant', 'corporate_bond_etf'.\", \"type\": \"str\", \"default\": \"stock\"}, \"day_trade\": {\"description\": \"Whether the sale is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}, {\"name\": \"taiwan_regulation_lookup\", \"description\": \"Retrieve the full text and latest amendment date of a specific article of a Taiwan financial statute from the national law database.\", \"parameters\": {\"law_name\": {\"description\": \"Name of the statute in Traditional Chinese, e.g. '銀行法'.\", \"type\": \"str\", \"default\": \"銀行法\"}, \"article\": {\"description\": \"Article number.\", \"type\": \"int\", \"default\": \"47\"}, \"include_amendments\": {\"description\": \"Whether to include amendment history.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "expected_behavior": "說明已延長至 2027 年底", "scoring": "rubric", "rubric": "回答『已到期』即為過期知識，不通過。"} |
| {"id": "CH-029", "phenomenon": "時效性衝突", "query_zhtw": "遺產稅免稅額今年有調嗎？我要算 8000 萬的遺產", "tools": "[{\"name\": \"estate_tax_calc\", \"description\": \"Calculate Taiwan estate tax using the NT$13.33 million exemption, spouse and lineal descendant deductions, funeral expense deduction and the 10%/15%/20% progressive brackets.\", \"parameters\": {\"gross_estate\": {\"description\": \"Gross estate value in TWD.\", \"type\": \"int\", \"default\": \"50000000\"}, \"spouse\": {\"description\": \"Whether a surviving spouse exists.\", \"type\": \"bool\", \"default\": \"true\"}, \"lineal_descendants\": {\"description\": \"Number of lineal descendants.\", \"type\": \"int\", \"default\": \"2\"}, \"parents\": {\"description\": \"Number of surviving parents of the decedent.\", \"type\": \"int\", \"default\": \"0\"}, \"funeral_expense\": {\"description\": \"Funeral expense deduction in TWD.\", \"type\": \"int\", \"default\": \"1380000\"}}}]", "expected_behavior": "說明 115 年度因 CPI 未達門檻維持 1333 萬，再計算", "scoring": "rubric", "rubric": "須明確說明「未調整」而非含糊帶過。"} |
| {"id": "CH-030", "phenomenon": "時效性衝突", "query_zhtw": "二代健保補充保費是不是改成年度結算了？", "tools": "[{\"name\": \"nhi_supplementary_premium\", \"description\": \"Calculate the Taiwan second-generation National Health Insurance supplementary premium at 2.11%, applying the NT$20,000 single-payment threshold (or the four-times-monthly-insured-salary threshold for bonuses) and the NT$10,000,000 single-payment cap.\", \"parameters\": {\"income_type\": {\"description\": \"One of 'dividend', 'bonus', 'rent', 'professional_fee', 'part_time_salary', 'interest'.\", \"type\": \"str\", \"default\": \"dividend\"}, \"amount\": {\"description\": \"Amount of the single payment in TWD.\", \"type\": \"int\", \"default\": \"100000\"}, \"monthly_insured_salary\": {\"description\": \"Monthly insured salary, used for the bonus threshold.\", \"type\": \"int\", \"default\": \"45800\"}}}, {\"name\": \"taiwan_regulation_lookup\", \"description\": \"Retrieve the full text and latest amendment date of a specific article of a Taiwan financial statute from the national law database.\", \"parameters\": {\"law_name\": {\"description\": \"Name of the statute in Traditional Chinese, e.g. '銀行法'.\", \"type\": \"str\", \"default\": \"銀行法\"}, \"article\": {\"description\": \"Article number.\", \"type\": \"int\", \"default\": \"47\"}, \"include_amendments\": {\"description\": \"Whether to include amendment history.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "expected_behavior": "說明現行仍為單次給付制，年度結算制為研議中的未來變革", "scoring": "rubric", "rubric": "把研議中的制度講成現行制度，屬嚴重錯誤。"} |
| {"id": "CH-031", "phenomenon": "單位與量詞陷阱", "query_zhtw": "我買了 5 張台積電，成交價 1080，賣掉手續費算 2.8 折", "tools": "[{\"name\": \"stock_trade_cost\", \"description\": \"Calculate the total trading cost of a Taiwan stock order, including brokerage commission (0.1425% with a NT$20 minimum) and securities transaction tax (0.3%, halved to 0.15% for intraday day trading).\", \"parameters\": {\"price\": {\"description\": \"Execution price per share in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"shares\": {\"description\": \"Number of shares (1 lot = 1000 shares).\", \"type\": \"int\", \"default\": \"1000\"}, \"side\": {\"description\": \"Order side: 'buy' or 'sell'.\", \"type\": \"str\", \"default\": \"buy\"}, \"discount\": {\"description\": \"Brokerage commission discount multiplier, 1.0 means no discount.\", \"type\": \"float\", \"default\": \"1.0\"}, \"day_trade\": {\"description\": \"Whether this is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}]", "expected_behavior": "shares=5000（非 5）、discount=0.28（非 2.8）", "scoring": "rubric", "rubric": "兩個換算錯任一個即不通過。"} |
| {"id": "CH-032", "phenomenon": "單位與量詞陷阱", "query_zhtw": "貸款 1500 萬，利率 2.1%，30 年", "tools": "[{\"name\": \"mortgage_amortization\", \"description\": \"Build a Taiwan mortgage amortization result: monthly payment during and after the interest-only grace period, total interest and total repayment, for either equal-total-payment or equal-principal repayment.\", \"parameters\": {\"principal\": {\"description\": \"Loan principal in TWD.\", \"type\": \"int\", \"default\": \"10000000\"}, \"annual_rate\": {\"description\": \"Nominal annual interest rate in percent, e.g. 2.185.\", \"type\": \"float\", \"default\": \"2.185\"}, \"years\": {\"description\": \"Loan tenor in years.\", \"type\": \"int\", \"default\": \"30\"}, \"grace_period_years\": {\"description\": \"Interest-only grace period in years.\", \"type\": \"int\", \"default\": \"0\"}, \"method\": {\"description\": \"'equal_total' or 'equal_principal'.\", \"type\": \"str\", \"default\": \"equal_total\"}}}]", "expected_behavior": "principal=15000000（非 1500）", "scoring": "rubric", "rubric": "萬元單位換算。"} |
| {"id": "CH-033", "phenomenon": "單位與量詞陷阱", "query_zhtw": "有個信貸月利率 2%，借 50 萬，這樣一年利息多少", "tools": "[{\"name\": \"credit_card_revolving_interest\", \"description\": \"Compute credit card revolving credit interest in Taiwan for a given outstanding balance, annual percentage rate and number of days, and flag any rate that exceeds the 15% statutory ceiling under Banking Act Article 47-1.\", \"parameters\": {\"balance\": {\"description\": \"Outstanding revolving balance in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"apr\": {\"description\": \"Annual percentage rate in percent.\", \"type\": \"float\", \"default\": \"15.0\"}, \"days\": {\"description\": \"Number of days the balance revolves.\", \"type\": \"int\", \"default\": \"30\"}, \"min_payment_rate\": {\"description\": \"Minimum payment ratio required by the issuer.\", \"type\": \"float\", \"default\": \"0.1\"}}}, {\"name\": \"mortgage_amortization\", \"description\": \"Build a Taiwan mortgage amortization result: monthly payment during and after the interest-only grace period, total interest and total repayment, for either equal-total-payment or equal-principal repayment.\", \"parameters\": {\"principal\": {\"description\": \"Loan principal in TWD.\", \"type\": \"int\", \"default\": \"10000000\"}, \"annual_rate\": {\"description\": \"Nominal annual interest rate in percent, e.g. 2.185.\", \"type\": \"float\", \"default\": \"2.185\"}, \"years\": {\"description\": \"Loan tenor in years.\", \"type\": \"int\", \"default\": \"30\"}, \"grace_period_years\": {\"description\": \"Interest-only grace period in years.\", \"type\": \"int\", \"default\": \"0\"}, \"method\": {\"description\": \"'equal_total' or 'equal_principal'.\", \"type\": \"str\", \"default\": \"equal_total\"}}}]", "expected_behavior": "月利率 2% = 年利率 24%，且應提醒已逾 15% 上限的疑慮", "scoring": "rubric", "rubric": "直接把 2 當年利率填入即不通過。"} |
| {"id": "CH-034", "phenomenon": "單位與量詞陷阱", "query_zhtw": "這檔 ETF 每季配 0.5 元，現價 32，殖利率多少", "tools": "[{\"name\": \"etf_dividend_yield\", \"description\": \"Calculate the annualized cash dividend yield of a Taiwan-listed ETF from its market price, annual distribution per unit and distribution frequency.\", \"parameters\": {\"symbol\": {\"description\": \"ETF ticker, e.g. '0056'.\", \"type\": \"str\", \"default\": \"0056\"}, \"price\": {\"description\": \"Current market price per unit in TWD.\", \"type\": \"float\", \"default\": \"35.0\"}, \"annual_dividend\": {\"description\": \"Total annual distribution per unit in TWD.\", \"type\": \"float\", \"default\": \"2.0\"}, \"frequency\": {\"description\": \"'monthly', 'quarterly' or 'semiannual'.\", \"type\": \"str\", \"default\": \"quarterly\"}}}]", "expected_behavior": "annual_dividend=2.0（0.5×4）、frequency=quarterly", "scoring": "rubric", "rubric": "帶 0.5 當年配息即不通過。"} |
| {"id": "CH-035", "phenomenon": "單位與量詞陷阱", "query_zhtw": "我年資 32 年半，平均投保薪資 4 萬 5 千 8", "tools": "[{\"name\": \"labor_insurance_annuity\", \"description\": \"Calculate the Taiwan Labor Insurance old-age monthly annuity, taking the higher of formula A (avg insured salary x years x 0.775% + 3000) and formula B (avg insured salary x years x 1.55%), then applying the 4%-per-year early/deferred adjustment capped at 20%.\", \"parameters\": {\"avg_insured_salary\": {\"description\": \"Average monthly insured salary of the highest 60 months, in TWD.\", \"type\": \"int\", \"default\": \"45800\"}, \"service_years\": {\"description\": \"Insured seniority in years.\", \"type\": \"int\", \"default\": \"30\"}, \"claim_age_offset\": {\"description\": \"Years relative to the statutory claim age; negative means early claim, positive means deferred.\", \"type\": \"int\", \"default\": \"0\"}}}]", "expected_behavior": "service_years=32.5、avg_insured_salary=45800", "scoring": "rubric", "rubric": "中文數字口語『4萬5千8』的解析。"} |
| {"id": "CH-036", "phenomenon": "近似工具混淆", "query_zhtw": "我賣出 300 萬的股票，要繳多少稅？", "tools": "[{\"name\": \"stock_trade_cost\", \"description\": \"Calculate the total trading cost of a Taiwan stock order, including brokerage commission (0.1425% with a NT$20 minimum) and securities transaction tax (0.3%, halved to 0.15% for intraday day trading).\", \"parameters\": {\"price\": {\"description\": \"Execution price per share in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"shares\": {\"description\": \"Number of shares (1 lot = 1000 shares).\", \"type\": \"int\", \"default\": \"1000\"}, \"side\": {\"description\": \"Order side: 'buy' or 'sell'.\", \"type\": \"str\", \"default\": \"buy\"}, \"discount\": {\"description\": \"Brokerage commission discount multiplier, 1.0 means no discount.\", \"type\": \"float\", \"default\": \"1.0\"}, \"day_trade\": {\"description\": \"Whether this is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}, {\"name\": \"securities_transaction_tax\", \"description\": \"Compute the Taiwan securities transaction tax payable on a sell order for different security types (stock 0.3%, warrant 0.1%, bond ETF currently exempt), with the day-trading half rate applied when applicable.\", \"parameters\": {\"amount\": {\"description\": \"Sell proceeds in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"security_type\": {\"description\": \"One of 'stock', 'etf', 'warrant', 'corporate_bond_etf'.\", \"type\": \"str\", \"default\": \"stock\"}, \"day_trade\": {\"description\": \"Whether the sale is an intraday day trade.\", \"type\": \"bool\", \"default\": \"false\"}}}]", "expected_behavior": "問的是「稅」，應選 securities_transaction_tax 而非含手續費的 stock_trade_cost", "scoring": "rubric", "rubric": "選錯工具即不通過，即使數字算得出來。"} |
| {"id": "CH-037", "phenomenon": "近似工具混淆", "query_zhtw": "我想知道我的勞退專戶現在有多少", "tools": "[{\"name\": \"labor_insurance_annuity\", \"description\": \"Calculate the Taiwan Labor Insurance old-age monthly annuity, taking the higher of formula A (avg insured salary x years x 0.775% + 3000) and formula B (avg insured salary x years x 1.55%), then applying the 4%-per-year early/deferred adjustment capped at 20%.\", \"parameters\": {\"avg_insured_salary\": {\"description\": \"Average monthly insured salary of the highest 60 months, in TWD.\", \"type\": \"int\", \"default\": \"45800\"}, \"service_years\": {\"description\": \"Insured seniority in years.\", \"type\": \"int\", \"default\": \"30\"}, \"claim_age_offset\": {\"description\": \"Years relative to the statutory claim age; negative means early claim, positive means deferred.\", \"type\": \"int\", \"default\": \"0\"}}}, {\"name\": \"labor_pension_fund_projection\", \"description\": \"Project the accumulated balance of a Taiwan Labor Pension (new system) individual account given the monthly contribution wage, the mandatory 6% employer contribution, any voluntary employee contribution up to 6%, the contribution period and an assumed annual return.\", \"parameters\": {\"monthly_wage\": {\"description\": \"Monthly contribution wage per the official wage bracket table, in TWD.\", \"type\": \"int\", \"default\": \"45800\"}, \"employer_rate\": {\"description\": \"Employer contribution rate, statutory minimum 0.06.\", \"type\": \"float\", \"default\": \"0.06\"}, \"self_contribution_rate\": {\"description\": \"Voluntary employee contribution rate, 0 to 0.06.\", \"type\": \"float\", \"default\": \"0.0\"}, \"years\": {\"description\": \"Number of contribution years.\", \"type\": \"int\", \"default\": \"30\"}, \"annual_return\": {\"description\": \"Assumed annual investment return of the fund.\", \"type\": \"float\", \"default\": \"0.03\"}}}]", "expected_behavior": "勞退（新制專戶）→ labor_pension_fund_projection，非勞保年金", "scoring": "rubric", "rubric": "台灣『勞保 vs 勞退』是最高頻的混淆點。"} |
| {"id": "CH-038", "phenomenon": "近似工具混淆", "query_zhtw": "我股利 50 萬，其他所得 200 萬，要繳多少稅？", "tools": "[{\"name\": \"income_tax_estimate\", \"description\": \"Estimate Taiwan individual consolidated income tax, applying the exemption, standard or itemized deduction, salary special deduction and the progressive bracket table for the given tax year.\", \"parameters\": {\"annual_income\": {\"description\": \"Total annual income in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"filing_status\": {\"description\": \"'single' or 'married_joint'.\", \"type\": \"str\", \"default\": \"single\"}, \"dependents\": {\"description\": \"Number of dependents claimed.\", \"type\": \"int\", \"default\": \"0\"}, \"deduction_type\": {\"description\": \"'standard' or 'itemized'.\", \"type\": \"str\", \"default\": \"standard\"}, \"tax_year\": {\"description\": \"ROC tax year, e.g. 114 for income year 2025.\", \"type\": \"int\", \"default\": \"114\"}}}, {\"name\": \"dividend_tax_compare\", \"description\": \"Compare the two Taiwan dividend taxation options - consolidated filing with an 8.5% dividend tax credit capped at NT$80,000 per household, versus separate taxation at a flat 28% - and report which one costs less.\", \"parameters\": {\"dividend_amount\": {\"description\": \"Total annual dividend income in TWD.\", \"type\": \"int\", \"default\": \"500000\"}, \"other_income\": {\"description\": \"Non-dividend annual income in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"filing_status\": {\"description\": \"'single' or 'married_joint'.\", \"type\": \"str\", \"default\": \"single\"}}}]", "expected_behavior": "涉及股利二擇一，應選 dividend_tax_compare", "scoring": "rubric", "rubric": "只用 income_tax_estimate 會漏掉 8.5% 抵減與 28% 分開計稅的比較。"} |
| {"id": "CH-039", "phenomenon": "近似工具混淆", "query_zhtw": "我爸想把 1000 萬先給我，跟等他過世再繼承，哪個稅比較少？", "tools": "[{\"name\": \"estate_tax_calc\", \"description\": \"Calculate Taiwan estate tax using the NT$13.33 million exemption, spouse and lineal descendant deductions, funeral expense deduction and the 10%/15%/20% progressive brackets.\", \"parameters\": {\"gross_estate\": {\"description\": \"Gross estate value in TWD.\", \"type\": \"int\", \"default\": \"50000000\"}, \"spouse\": {\"description\": \"Whether a surviving spouse exists.\", \"type\": \"bool\", \"default\": \"true\"}, \"lineal_descendants\": {\"description\": \"Number of lineal descendants.\", \"type\": \"int\", \"default\": \"2\"}, \"parents\": {\"description\": \"Number of surviving parents of the decedent.\", \"type\": \"int\", \"default\": \"0\"}, \"funeral_expense\": {\"description\": \"Funeral expense deduction in TWD.\", \"type\": \"int\", \"default\": \"1380000\"}}}, {\"name\": \"gift_tax_calc\", \"description\": \"Calculate Taiwan gift tax for a donor in a given year using the NT$2.44 million annual exemption, prior gifts already made in the same year, and the 10%/15%/20% brackets.\", \"parameters\": {\"gift_amount\": {\"description\": \"Value of the current gift in TWD.\", \"type\": \"int\", \"default\": \"3000000\"}, \"donor_prior_gifts\": {\"description\": \"Total gifts already made by the donor in the same year.\", \"type\": \"int\", \"default\": \"0\"}, \"tax_year\": {\"description\": \"ROC year of the gift.\", \"type\": \"int\", \"default\": \"115\"}}}]", "expected_behavior": "需同時呼叫兩個工具做比較，只呼叫一個即不完整", "scoring": "rubric", "rubric": "須產生 2 個 tool_call。"} |
| {"id": "CH-040", "phenomenon": "近似工具混淆", "query_zhtw": "我要存 100 萬，放台幣定存還是美金定存好？", "tools": "[{\"name\": \"time_deposit_interest\", \"description\": \"Compute the interest earned on a Taiwan bank time deposit for a given principal, annual rate, tenor in months, fixed or floating rate and simple or monthly-compounded interest.\", \"parameters\": {\"principal\": {\"description\": \"Deposit principal in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_rate\": {\"description\": \"Annual interest rate in percent.\", \"type\": \"float\", \"default\": \"1.6\"}, \"months\": {\"description\": \"Deposit tenor in months.\", \"type\": \"int\", \"default\": \"12\"}, \"interest_type\": {\"description\": \"'fixed' or 'floating'.\", \"type\": \"str\", \"default\": \"fixed\"}, \"compounding\": {\"description\": \"'simple' or 'monthly_compound'.\", \"type\": \"str\", \"default\": \"simple\"}}}, {\"name\": \"foreign_currency_deposit_return\", \"description\": \"Compute the all-in TWD return of a foreign currency time deposit, combining the foreign interest rate with the exchange spread between the bank's sell rate at entry and buy-back rate at maturity.\", \"parameters\": {\"amount_twd\": {\"description\": \"TWD amount converted into the foreign currency.\", \"type\": \"int\", \"default\": \"1000000\"}, \"currency\": {\"description\": \"Foreign currency ISO code.\", \"type\": \"str\", \"default\": \"USD\"}, \"annual_rate\": {\"description\": \"Foreign currency deposit annual rate in percent.\", \"type\": \"float\", \"default\": \"4.0\"}, \"months\": {\"description\": \"Deposit tenor in months.\", \"type\": \"int\", \"default\": \"6\"}, \"fx_sell\": {\"description\": \"Bank sell rate used when buying the foreign currency.\", \"type\": \"float\", \"default\": \"32.5\"}, \"fx_buy_back\": {\"description\": \"Bank buy rate used when converting back to TWD.\", \"type\": \"float\", \"default\": \"32.2\"}}}]", "expected_behavior": "需同時呼叫兩者比較；缺少的利率與匯率參數應追問", "scoring": "rubric", "rubric": "同時考驗多工具規劃與參數不足的追問。"} |
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