{"id": 100001, "query": "Estimate Taiwan income tax for annual income 4550000, filing status single, 3 dependents, standard deduction, tax year 115.", "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\": \"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\"}}}]", "query_zhtw": "我年收入 455 萬，單身，扶養 3 人，採標準扣除額，115 年度綜合所得稅大概要繳多少？", "think": "讓我理一下。需求是試算個人綜合所得稅，掃過 2 個工具後，`cbc_policy_rate_lookup` 明顯屬於其他業務範疇；`income_tax_estimate` 才是負責估算綜所稅的那一個，就用它。\n\n然後把使用者給的條件填進參數：`annual_income`（全年所得總額）帶 4550000。申報身分對應到 `filing_status`，值是 \"single\"。扶養親屬人數對應到 `dependents`，值是 3。`deduction_type` 設為 \"standard\"，也就是題目說的扣除額方式。`tax_year`（民國年度）帶 115。型別上 `dependents` 是 int，格式別弄錯。\n\n另外要記住的規則：115年度免稅額 10.1 萬、標準扣除額單身 13.6 萬/夫妻 27.2 萬、薪資特別扣除額 22.7 萬。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 4550000, \"filing_status\": \"single\", \"dependents\": 3, \"deduction_type\": \"standard\", \"tax_year\": 115}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我年收入 455 萬，單身，扶養 3 人，採標準扣除額，115 年度綜合所得稅大概要繳多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是試算個人綜合所得稅，掃過 2 個工具後，`cbc_policy_rate_lookup` 明顯屬於其他業務範疇；`income_tax_estimate` 才是負責估算綜所稅的那一個，就用它。\n\n然後把使用者給的條件填進參數：`annual_income`（全年所得總額）帶 4550000。申報身分對應到 `filing_status`，值是 \"single\"。扶養親屬人數對應到 `dependents`，值是 3。`deduction_type` 設為 \"standard\"，也就是題目說的扣除額方式。`tax_year`（民國年度）帶 115。型別上 `dependents` 是 int，格式別弄錯。\n\n另外要記住的規則：115年度免稅額 10.1 萬、標準扣除額單身 13.6 萬/夫妻 27.2 萬、薪資特別扣除額 22.7 萬。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 4550000, \"filing_status\": \"single\", \"dependents\": 3, \"deduction_type\": \"standard\", \"tax_year\": 115}}\n</tool_call>", "role": "assistant"}]}
{"id": 100002, "query": "Get Taiwan TPEx index statistics dated 2026-01-15.", "tools": "[{\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}, {\"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']\"}}}]", "query_zhtw": "櫃買指數 2026-01-15 表現如何？", "think": "好的，我來拆解這個需求。使用者想查台灣股市指數的當日數據，先排除不相干的選項：`emergency_fund_target` 是財務規劃用的，都不符合。剩下 `market_index_lookup` 才是處理查詢市場指數的函式。\n\n接著逐一對應參數：`index_name` 就是指數代碼，這裡填 \"TPEx\"。`date`（查詢日期）帶 \"2026-01-15\"。\n\n另外要記住的規則：加權指數不含股利，報酬指數（TAIEX_TR）才是還原息值後的長期績效基準。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TPEx\", \"date\": \"2026-01-15\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "櫃買指數 2026-01-15 表現如何？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想查台灣股市指數的當日數據，先排除不相干的選項：`emergency_fund_target` 是財務規劃用的，都不符合。剩下 `market_index_lookup` 才是處理查詢市場指數的函式。\n\n接著逐一對應參數：`index_name` 就是指數代碼，這裡填 \"TPEx\"。`date`（查詢日期）帶 \"2026-01-15\"。\n\n另外要記住的規則：加權指數不含股利，報酬指數（TAIEX_TR）才是還原息值後的長期績效基準。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TPEx\", \"date\": \"2026-01-15\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100009, "query": "Retrieve the spot_sell board rate of JPY at 永豐銀行.", "tools": "[{\"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\"}}}, {\"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\"}}}, {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}]", "query_zhtw": "永豐銀行的日圓即期賣出是多少？換算成 TWD。", "think": "使用者的問題是查銀行牌告匯率。共有 3 個候選函式。`dividend_tax_compare`、`regular_investment_projection` 的功能與本題情境不符，正確的是 `fx_rate_lookup`，因為它就是用來查詢外匯牌告匯率的。\n\n接下來確認每個參數要帶什麼：`base_currency` 就是外幣幣別，這裡填 \"JPY\"。計價幣別對應到 `quote_currency`，值是 \"TWD\"。`bank`（查詢的銀行）帶 \"永豐銀行\"。牌告匯率種類對應到 `rate_type`，值是 \"spot_sell\"。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"JPY\", \"quote_currency\": \"TWD\", \"bank\": \"永豐銀行\", \"rate_type\": \"spot_sell\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "永豐銀行的日圓即期賣出是多少？換算成 TWD。", "role": "user"}, {"content": "<think>\n使用者的問題是查銀行牌告匯率。共有 3 個候選函式。`dividend_tax_compare`、`regular_investment_projection` 的功能與本題情境不符，正確的是 `fx_rate_lookup`，因為它就是用來查詢外匯牌告匯率的。\n\n接下來確認每個參數要帶什麼：`base_currency` 就是外幣幣別，這裡填 \"JPY\"。計價幣別對應到 `quote_currency`，值是 \"TWD\"。`bank`（查詢的銀行）帶 \"永豐銀行\"。牌告匯率種類對應到 `rate_type`，值是 \"spot_sell\"。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"JPY\", \"quote_currency\": \"TWD\", \"bank\": \"永豐銀行\", \"rate_type\": \"spot_sell\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100014, "query": "How much consolidated income tax on 4650000 TWD, married_joint, 2 dependents, year 115?", "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\": \"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\": \"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\"}}}]", "query_zhtw": "115年度、夫妻合併申報、年所得 4650000 元、撫養親屬 2 位、列舉扣除額，請幫我試算綜所稅。", "think": "使用者的問題是試算個人綜合所得稅。掃過 3 個工具後，`nhi_supplementary_premium`、`life_insurance_gap` 明顯屬於其他業務範疇；`income_tax_estimate` 才是負責估算綜所稅的那一個，就用它。\n\n然後把使用者給的條件填進參數：全年所得總額對應到 `annual_income`，值是 4650000。申報身分對應到 `filing_status`，值是 \"married_joint\"。`dependents` 就是扶養親屬人數，這裡填 2。`deduction_type` 設為 \"itemized\"，也就是題目說的扣除額方式。民國年度對應到 `tax_year`，值是 115。\n\n另外要記住的規則：稅率級距 5%/12%/20%/30%/40%，採累進差額法計算。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 4650000, \"filing_status\": \"married_joint\", \"dependents\": 2, \"deduction_type\": \"itemized\", \"tax_year\": 115}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "115年度、夫妻合併申報、年所得 4650000 元、撫養親屬 2 位、列舉扣除額，請幫我試算綜所稅。", "role": "user"}, {"content": "<think>\n使用者的問題是試算個人綜合所得稅。掃過 3 個工具後，`nhi_supplementary_premium`、`life_insurance_gap` 明顯屬於其他業務範疇；`income_tax_estimate` 才是負責估算綜所稅的那一個，就用它。\n\n然後把使用者給的條件填進參數：全年所得總額對應到 `annual_income`，值是 4650000。申報身分對應到 `filing_status`，值是 \"married_joint\"。`dependents` 就是扶養親屬人數，這裡填 2。`deduction_type` 設為 \"itemized\"，也就是題目說的扣除額方式。民國年度對應到 `tax_year`，值是 115。\n\n另外要記住的規則：稅率級距 5%/12%/20%/30%/40%，採累進差額法計算。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 4650000, \"filing_status\": \"married_joint\", \"dependents\": 2, \"deduction_type\": \"itemized\", \"tax_year\": 115}}\n</tool_call>", "role": "assistant"}]}
{"id": 100016, "query": "Apply House and Land Tax 2.0 to gain 19630000, holding period 11 years, resident True.", "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\": \"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\"}}}]", "query_zhtw": "持有 11 年的房子賣掉賺 19630000 元，非自住，稅率適用多少？稅額多少？", "think": "讓我理一下。需求是算賣房的房地合一稅，先排除不相干的選項：`twse_quote_lookup` 是台股交易用的，都不符合。剩下 `house_land_capital_gains_tax` 才是處理計算房地合一所得稅的函式。\n\n接下來確認每個參數要帶什麼：`gain` 就是課稅所得（獲利），這裡填 19630000。`holding_years` 就是持有年數，這裡填 11。是否適用自住優惠對應到 `self_use`，值是 false。`resident` 設為 true，也就是題目說的是否為境內居住者。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 19630000, \"holding_years\": 11, \"self_use\": false, \"resident\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "持有 11 年的房子賣掉賺 19630000 元，非自住，稅率適用多少？稅額多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是算賣房的房地合一稅，先排除不相干的選項：`twse_quote_lookup` 是台股交易用的，都不符合。剩下 `house_land_capital_gains_tax` 才是處理計算房地合一所得稅的函式。\n\n接下來確認每個參數要帶什麼：`gain` 就是課稅所得（獲利），這裡填 19630000。`holding_years` 就是持有年數，這裡填 11。是否適用自住優惠對應到 `self_use`，值是 false。`resident` 設為 true，也就是題目說的是否為境內居住者。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 19630000, \"holding_years\": 11, \"self_use\": false, \"resident\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100025, "query": "What is the protected and unprotected amount at 國泰世華 given deposits of 4770000 and 2050000?", "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\"}}}]", "query_zhtw": "請問我在 國泰世華 的存款有多少受到存款保險保障？台幣 4770000、外幣折算 2050000。", "think": "收到，使用者需要的是確認存款受存款保險保障的額度。目前只有一個可用函式 `deposit_insurance_coverage`，功能描述正好對應這個需求，所以直接用它。\n\n把題目資訊映射到函式參數：`bank` 設為 \"國泰世華\"，也就是題目說的要保機構名稱。台幣存款餘額對應到 `ntd_deposit`，值是 4770000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 2050000。`ntd_deposit` 要用 int 型別傳入。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"國泰世華\", \"ntd_deposit\": 4770000, \"fx_deposit_twd_equiv\": 2050000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請問我在 國泰世華 的存款有多少受到存款保險保障？台幣 4770000、外幣折算 2050000。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是確認存款受存款保險保障的額度。目前只有一個可用函式 `deposit_insurance_coverage`，功能描述正好對應這個需求，所以直接用它。\n\n把題目資訊映射到函式參數：`bank` 設為 \"國泰世華\"，也就是題目說的要保機構名稱。台幣存款餘額對應到 `ntd_deposit`，值是 4770000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 2050000。`ntd_deposit` 要用 int 型別傳入。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"國泰世華\", \"ntd_deposit\": 4770000, \"fx_deposit_twd_equiv\": 2050000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100026, "query": "If I buy 10000 shares at NT$354.9 on 0.6 margin, how much cash do I need and where is the 1.3 maintenance call?", "tools": "[{\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "融資成數 0.6，買進 10000 股 2801、每股 354.9 元，請算融資金額與斷頭價（維持率 1.3）。", "think": "使用者的問題是算融資買進的自備款與追繳價。掃過 3 個工具後，`price_limit_range`、`deposit_insurance_coverage` 明顯屬於其他業務範疇；`margin_trading_calc` 才是負責處理融資融券試算的那一個，就用它。\n\n然後把使用者給的條件填進參數：每股買進價對應到 `price`，值是 354.9。`shares` 就是融資股數，這裡填 10000。融資成數對應到 `financing_ratio`，值是 0.6。`maintenance_threshold` 設為 1.3，也就是題目說的追繳維持率。`price` 要用 float 型別傳入。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 354.9, \"shares\": 10000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "融資成數 0.6，買進 10000 股 2801、每股 354.9 元，請算融資金額與斷頭價（維持率 1.3）。", "role": "user"}, {"content": "<think>\n使用者的問題是算融資買進的自備款與追繳價。掃過 3 個工具後，`price_limit_range`、`deposit_insurance_coverage` 明顯屬於其他業務範疇；`margin_trading_calc` 才是負責處理融資融券試算的那一個，就用它。\n\n然後把使用者給的條件填進參數：每股買進價對應到 `price`，值是 354.9。`shares` 就是融資股數，這裡填 10000。融資成數對應到 `financing_ratio`，值是 0.6。`maintenance_threshold` 設為 1.3，也就是題目說的追繳維持率。`price` 要用 float 型別傳入。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 354.9, \"shares\": 10000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}\n</tool_call>", "role": "assistant"}]}
{"id": 100036, "query": "Look up the Central Bank of Taiwan accommodations_with_collateral rate as of 2026-08-01.", "tools": "[{\"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\"}}}, {\"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\"}}}, {\"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\"}}}, {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}]", "query_zhtw": "請查中央銀行 2026-08-01 的擔保放款融通利率是多少？", "think": "讓我理一下。需求是查中央銀行政策利率，共有 4 個候選函式。`foreign_currency_deposit_return`、`etf_dividend_yield`、`bond_price_from_ytm` 的功能與本題情境不符，正確的是 `cbc_policy_rate_lookup`，因為它就是用來查詢央行政策利率的。\n\n參數的部分這樣對：`rate_type`（政策利率種類）帶 \"accommodations_with_collateral\"。`as_of_date` 設為 \"2026-08-01\"，也就是題目說的基準日期。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_with_collateral\", \"as_of_date\": \"2026-08-01\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請查中央銀行 2026-08-01 的擔保放款融通利率是多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是查中央銀行政策利率，共有 4 個候選函式。`foreign_currency_deposit_return`、`etf_dividend_yield`、`bond_price_from_ytm` 的功能與本題情境不符，正確的是 `cbc_policy_rate_lookup`，因為它就是用來查詢央行政策利率的。\n\n參數的部分這樣對：`rate_type`（政策利率種類）帶 \"accommodations_with_collateral\"。`as_of_date` 設為 \"2026-08-01\"，也就是題目說的基準日期。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_with_collateral\", \"as_of_date\": \"2026-08-01\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100040, "query": "How much transaction tax is due on a 2620000 TWD sale of etf (day trade: True)?", "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\"}}}]", "query_zhtw": "賣出金額 2620000 元、商品類別 etf、當沖 True，請算證券交易稅。", "think": "收到，使用者需要的是算賣出時要繳的證券交易稅。共有 2 個候選函式。`stock_trade_cost` 的功能與本題情境不符，正確的是 `securities_transaction_tax`，因為它就是用來計算證交稅的。\n\n然後把使用者給的條件填進參數：`amount` 設為 2620000，也就是題目說的賣出成交金額。`security_type`（商品類別）帶 \"etf\"。`day_trade`（是否當沖）帶 true。型別上 `day_trade` 是 bool，格式別弄錯。\n\n另外要記住的規則：證交稅僅於賣出時課徵：股票 0.3%、權證 0.1%、債券型 ETF 現行停徵；現股當沖股票稅率減半為 0.15%。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"securities_transaction_tax\", \"arguments\": {\"amount\": 2620000, \"security_type\": \"etf\", \"day_trade\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "賣出金額 2620000 元、商品類別 etf、當沖 True，請算證券交易稅。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算賣出時要繳的證券交易稅。共有 2 個候選函式。`stock_trade_cost` 的功能與本題情境不符，正確的是 `securities_transaction_tax`，因為它就是用來計算證交稅的。\n\n然後把使用者給的條件填進參數：`amount` 設為 2620000，也就是題目說的賣出成交金額。`security_type`（商品類別）帶 \"etf\"。`day_trade`（是否當沖）帶 true。型別上 `day_trade` 是 bool，格式別弄錯。\n\n另外要記住的規則：證交稅僅於賣出時課徵：股票 0.3%、權證 0.1%、債券型 ETF 現行停徵；現股當沖股票稅率減半為 0.15%。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"securities_transaction_tax\", \"arguments\": {\"amount\": 2620000, \"security_type\": \"etf\", \"day_trade\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100055, "query": "Estimate the life insurance gap for annual income 1170000, 12 dependant years, existing coverage 10550000, liabilities 15960000.", "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\"}}}, {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}]", "query_zhtw": "我年收入 117 萬，小孩還要養 12 年，現有壽險 10550000，房貸等負債 15960000，用所得替代法算保額缺口。", "think": "讓我理一下。需求是算壽險保額缺口，掃過 2 個工具後，`retirement_gap_analysis` 明顯屬於其他業務範疇；`life_insurance_gap` 才是負責評估壽險保障缺口的那一個，就用它。\n\n接著逐一對應參數：`annual_income`（被保險人年收入）帶 1170000。`dependent_years` 設為 12，也就是題目說的尚需扶養的年數。既有壽險保額對應到 `existing_coverage`，值是 10550000。`outstanding_liabilities` 設為 15960000，也就是題目說的未償負債。`method` 就是保額估算方法，這裡填 \"income_replacement\"。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 1170000, \"dependent_years\": 12, \"existing_coverage\": 10550000, \"outstanding_liabilities\": 15960000, \"method\": \"income_replacement\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我年收入 117 萬，小孩還要養 12 年，現有壽險 10550000，房貸等負債 15960000，用所得替代法算保額缺口。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是算壽險保額缺口，掃過 2 個工具後，`retirement_gap_analysis` 明顯屬於其他業務範疇；`life_insurance_gap` 才是負責評估壽險保障缺口的那一個，就用它。\n\n接著逐一對應參數：`annual_income`（被保險人年收入）帶 1170000。`dependent_years` 設為 12，也就是題目說的尚需扶養的年數。既有壽險保額對應到 `existing_coverage`，值是 10550000。`outstanding_liabilities` 設為 15960000，也就是題目說的未償負債。`method` 就是保額估算方法，這裡填 \"income_replacement\"。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 1170000, \"dependent_years\": 12, \"existing_coverage\": 10550000, \"outstanding_liabilities\": 15960000, \"method\": \"income_replacement\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100066, "query": "How much will a 6000 monthly DCA plan be worth after 22 years at 0.08?", "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\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}, {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}]", "query_zhtw": "定期定額試算：每月 6000、年化報酬 0.08、期間 22 年、標的 00757。", "think": "先看清楚使用者要什麼。這題是要推估定期定額的終值，共有 3 個候選函式。`nhi_supplementary_premium`、`emergency_fund_target` 的功能與本題情境不符，正確的是 `regular_investment_projection`，因為它就是用來推算定期定額累積結果的。\n\n參數的部分這樣對：每月扣款金額對應到 `monthly_amount`，值是 6000。`annual_return` 設為 0.08，也就是題目說的假設年化報酬率。`years` 設為 22，也就是題目說的投資年數。`symbol` 就是累積標的代號，這裡填 \"00757\"。`annual_return` 要用 float 型別傳入。\n\n另外要記住的規則：定期定額終值採期末年金複利公式；台灣券商多數提供最低 1,000~3,000 元的定期定額門檻。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"regular_investment_projection\", \"arguments\": {\"monthly_amount\": 6000, \"annual_return\": 0.08, \"years\": 22, \"symbol\": \"00757\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "定期定額試算：每月 6000、年化報酬 0.08、期間 22 年、標的 00757。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要推估定期定額的終值，共有 3 個候選函式。`nhi_supplementary_premium`、`emergency_fund_target` 的功能與本題情境不符，正確的是 `regular_investment_projection`，因為它就是用來推算定期定額累積結果的。\n\n參數的部分這樣對：每月扣款金額對應到 `monthly_amount`，值是 6000。`annual_return` 設為 0.08，也就是題目說的假設年化報酬率。`years` 設為 22，也就是題目說的投資年數。`symbol` 就是累積標的代號，這裡填 \"00757\"。`annual_return` 要用 float 型別傳入。\n\n另外要記住的規則：定期定額終值採期末年金複利公式；台灣券商多數提供最低 1,000~3,000 元的定期定額門檻。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"regular_investment_projection\", \"arguments\": {\"monthly_amount\": 6000, \"annual_return\": 0.08, \"years\": 22, \"symbol\": \"00757\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100068, "query": "Compute Taiwan house-and-land capital gains tax on a gain of 10900000 held 15 years, self_use=True.", "tools": "[{\"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\"}}}, {\"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\"}}}]", "query_zhtw": "我賣房子獲利 1090 萬，持有 15 年，符合自住優惠，房地合一稅要繳多少？", "think": "讓我理一下。需求是算賣房的房地合一稅，共有 2 個候選函式。`taiwan_regulation_lookup` 的功能與本題情境不符，正確的是 `house_land_capital_gains_tax`，因為它就是用來計算房地合一所得稅的。\n\n把題目資訊映射到函式參數：`gain` 就是課稅所得（獲利），這裡填 10900000。持有年數對應到 `holding_years`，值是 15。`self_use` 設為 true，也就是題目說的是否適用自住優惠。\n\n另外要記住的規則：房地合一 2.0 境內個人：持有 2 年內 45%、逾 2 未逾 5 年 35%、逾 5 未逾 10 年 20%、逾 10 年 15%。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 10900000, \"holding_years\": 15, \"self_use\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我賣房子獲利 1090 萬，持有 15 年，符合自住優惠，房地合一稅要繳多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是算賣房的房地合一稅，共有 2 個候選函式。`taiwan_regulation_lookup` 的功能與本題情境不符，正確的是 `house_land_capital_gains_tax`，因為它就是用來計算房地合一所得稅的。\n\n把題目資訊映射到函式參數：`gain` 就是課稅所得（獲利），這裡填 10900000。持有年數對應到 `holding_years`，值是 15。`self_use` 設為 true，也就是題目說的是否適用自住優惠。\n\n另外要記住的規則：房地合一 2.0 境內個人：持有 2 年內 45%、逾 2 未逾 5 年 35%、逾 5 未逾 10 年 20%、逾 10 年 15%。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 10900000, \"holding_years\": 15, \"self_use\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100079, "query": "How much of my 2430000 deposit at 台北富邦 is covered by deposit insurance?", "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\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "存保額度查詢：機構 台北富邦、台幣存款 2430000、外幣折台 2640000、含息 True。", "think": "這個請求的重點在於確認存款受存款保險保障的額度，工具清單裡有 3 個函式，其中 `cbc_policy_rate_lookup`、`margin_trading_calc` 分別處理債券與利率、台股交易，跟這題無關；只有 `deposit_insurance_coverage` 的描述對應查核存款保險保障額度，所以選它。\n\n接著逐一對應參數：`bank` 設為 \"台北富邦\"，也就是題目說的要保機構名稱。`ntd_deposit` 設為 2430000，也就是題目說的台幣存款餘額。外幣存款折台幣金額對應到 `fx_deposit_twd_equiv`，值是 2640000。`include_interest` 就是是否含累計利息，這裡填 true。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"台北富邦\", \"ntd_deposit\": 2430000, \"fx_deposit_twd_equiv\": 2640000, \"include_interest\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "存保額度查詢：機構 台北富邦、台幣存款 2430000、外幣折台 2640000、含息 True。", "role": "user"}, {"content": "<think>\n這個請求的重點在於確認存款受存款保險保障的額度，工具清單裡有 3 個函式，其中 `cbc_policy_rate_lookup`、`margin_trading_calc` 分別處理債券與利率、台股交易，跟這題無關；只有 `deposit_insurance_coverage` 的描述對應查核存款保險保障額度，所以選它。\n\n接著逐一對應參數：`bank` 設為 \"台北富邦\"，也就是題目說的要保機構名稱。`ntd_deposit` 設為 2430000，也就是題目說的台幣存款餘額。外幣存款折台幣金額對應到 `fx_deposit_twd_equiv`，值是 2640000。`include_interest` 就是是否含累計利息，這裡填 true。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"台北富邦\", \"ntd_deposit\": 2430000, \"fx_deposit_twd_equiv\": 2640000, \"include_interest\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100096, "query": "How much does a 0.0146 TER cost me on 740000 across 24 years?", "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\": \"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\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}, {\"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\"}}}]", "query_zhtw": "請比較有無內扣費用的差異：本金 740000、費用率 0.0146、年限 24、毛報酬 0.06。", "think": "讓我理一下。需求是量化基金內扣費用對長期報酬的侵蝕，共有 4 個候選函式。`securities_transaction_tax`、`jcic_credit_report`、`credit_card_revolving_interest` 的功能與本題情境不符，正確的是 `expense_ratio_drag`，因為它就是用來評估內扣費用影響的。\n\n然後把使用者給的條件填進參數：`principal` 設為 740000，也就是題目說的投入本金。總開銷（內扣）費用率對應到 `expense_ratio`，值是 0.0146。`years` 設為 24，也就是題目說的持有年數。扣費用前的年報酬率對應到 `gross_annual_return`，值是 0.06。型別上 `years` 是 int，格式別弄錯。\n\n另外要記住的規則：內扣費用直接反映在淨值，不會另外扣款，長期複利下侵蝕幅度遠大於單年費用率。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"expense_ratio_drag\", \"arguments\": {\"principal\": 740000, \"expense_ratio\": 0.0146, \"years\": 24, \"gross_annual_return\": 0.06}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請比較有無內扣費用的差異：本金 740000、費用率 0.0146、年限 24、毛報酬 0.06。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是量化基金內扣費用對長期報酬的侵蝕，共有 4 個候選函式。`securities_transaction_tax`、`jcic_credit_report`、`credit_card_revolving_interest` 的功能與本題情境不符，正確的是 `expense_ratio_drag`，因為它就是用來評估內扣費用影響的。\n\n然後把使用者給的條件填進參數：`principal` 設為 740000，也就是題目說的投入本金。總開銷（內扣）費用率對應到 `expense_ratio`，值是 0.0146。`years` 設為 24，也就是題目說的持有年數。扣費用前的年報酬率對應到 `gross_annual_return`，值是 0.06。型別上 `years` 是 int，格式別弄錯。\n\n另外要記住的規則：內扣費用直接反映在淨值，不會另外扣款，長期複利下侵蝕幅度遠大於單年費用率。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"expense_ratio_drag\", \"arguments\": {\"principal\": 740000, \"expense_ratio\": 0.0146, \"years\": 24, \"gross_annual_return\": 0.06}}\n</tool_call>", "role": "assistant"}]}
{"id": 100118, "query": "Look up the Central Bank of Taiwan accommodations_without_collateral rate as of 2026-04-01. Also, retrieve Taiwan's policy accommodations_without_collateral rate for 2026-02-01.", "tools": "[{\"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\"}}}, {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}]", "query_zhtw": "請查中央銀行 2026-04-01 的短期融通利率是多少？另外，2026-02-01 當時的央行短期融通利率水準為何？", "think": "好的，我來拆解這個需求。使用者想查中央銀行政策利率，掃過 2 個工具後，`credit_capacity_dbr` 明顯屬於其他業務範疇；`cbc_policy_rate_lookup` 才是負責查詢央行政策利率的那一個，就用它。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n接下來確認每個參數要帶什麼：`rate_type`（政策利率種類）帶 \"accommodations_without_collateral\"。`as_of_date` 設為 \"2026-04-01\"，也就是題目說的基準日期。\n\n第二組條件則是：`rate_type`（政策利率種類）帶 \"accommodations_without_collateral\"。`as_of_date`（基準日期）帶 \"2026-02-01\"。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_without_collateral\", \"as_of_date\": \"2026-04-01\"}}, {\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_without_collateral\", \"as_of_date\": \"2026-02-01\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請查中央銀行 2026-04-01 的短期融通利率是多少？另外，2026-02-01 當時的央行短期融通利率水準為何？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想查中央銀行政策利率，掃過 2 個工具後，`credit_capacity_dbr` 明顯屬於其他業務範疇；`cbc_policy_rate_lookup` 才是負責查詢央行政策利率的那一個，就用它。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n接下來確認每個參數要帶什麼：`rate_type`（政策利率種類）帶 \"accommodations_without_collateral\"。`as_of_date` 設為 \"2026-04-01\"，也就是題目說的基準日期。\n\n第二組條件則是：`rate_type`（政策利率種類）帶 \"accommodations_without_collateral\"。`as_of_date`（基準日期）帶 \"2026-02-01\"。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_without_collateral\", \"as_of_date\": \"2026-04-01\"}}\n</tool_call>\n<tool_call>\n{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_without_collateral\", \"as_of_date\": \"2026-02-01\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100135, "query": "How much interest accrues on 120000 of credit card revolving debt at 14.06% for 45 days?", "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\": \"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\"}}}]", "query_zhtw": "循環利息試算：餘額 120000 元、循環利率 14.06%、45 天、最低應繳比率 0.1。", "think": "先看清楚使用者要什麼。這題是要算信用卡循環信用利息，工具清單裡有 2 個函式，其中 `time_deposit_interest` 分別處理銀行存放款，跟這題無關；只有 `credit_card_revolving_interest` 的描述對應計算循環信用利息，所以選它。\n\n接下來確認每個參數要帶什麼：`balance` 設為 120000，也就是題目說的循環信用未清償餘額。`apr` 就是循環信用年利率（%），這裡填 14.06。`days`（計息天數）帶 45。`min_payment_rate` 就是最低應繳比率，這裡填 0.1。`balance` 要用 int 型別傳入。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 120000, \"apr\": 14.06, \"days\": 45, \"min_payment_rate\": 0.1}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "循環利息試算：餘額 120000 元、循環利率 14.06%、45 天、最低應繳比率 0.1。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要算信用卡循環信用利息，工具清單裡有 2 個函式，其中 `time_deposit_interest` 分別處理銀行存放款，跟這題無關；只有 `credit_card_revolving_interest` 的描述對應計算循環信用利息，所以選它。\n\n接下來確認每個參數要帶什麼：`balance` 設為 120000，也就是題目說的循環信用未清償餘額。`apr` 就是循環信用年利率（%），這裡填 14.06。`days`（計息天數）帶 45。`min_payment_rate` 就是最低應繳比率，這裡填 0.1。`balance` 要用 int 型別傳入。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 120000, \"apr\": 14.06, \"days\": 45, \"min_payment_rate\": 0.1}}\n</tool_call>", "role": "assistant"}]}
{"id": 100166, "query": "Price a bond with face value 100000, coupon 2.935%, 5 years to maturity and a yield of 0.819%.", "tools": "[{\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}, {\"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\"}}}]", "query_zhtw": "面額 100000 元、票面利率 2.935%、剩 5 年到期、殖利率 0.819%、半年配，債券價格是多少？折價還是溢價？", "think": "讓我理一下。需求是由殖利率反推債券價格，掃過 2 個工具後，`cbc_policy_rate_lookup` 明顯屬於其他業務範疇；`bond_price_from_ytm` 才是負責做債券評價的那一個，就用它。\n\n接著逐一對應參數：債券面額對應到 `face_value`，值是 100000。`coupon_rate` 就是票面利率（%），這裡填 2.935。`years_to_maturity` 設為 5，也就是題目說的剩餘到期年數。到期殖利率（%）對應到 `ytm`，值是 0.819。每年付息次數對應到 `coupon_frequency`，值是 2。`ytm` 要用 float 型別傳入。\n\n另外要記住的規則：票面利率高於殖利率為溢價、低於為折價；台灣公司債多為半年付息一次。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 100000, \"coupon_rate\": 2.935, \"years_to_maturity\": 5, \"ytm\": 0.819, \"coupon_frequency\": 2}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "面額 100000 元、票面利率 2.935%、剩 5 年到期、殖利率 0.819%、半年配，債券價格是多少？折價還是溢價？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是由殖利率反推債券價格，掃過 2 個工具後，`cbc_policy_rate_lookup` 明顯屬於其他業務範疇；`bond_price_from_ytm` 才是負責做債券評價的那一個，就用它。\n\n接著逐一對應參數：債券面額對應到 `face_value`，值是 100000。`coupon_rate` 就是票面利率（%），這裡填 2.935。`years_to_maturity` 設為 5，也就是題目說的剩餘到期年數。到期殖利率（%）對應到 `ytm`，值是 0.819。每年付息次數對應到 `coupon_frequency`，值是 2。`ytm` 要用 float 型別傳入。\n\n另外要記住的規則：票面利率高於殖利率為溢價、低於為折價；台灣公司債多為半年付息一次。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 100000, \"coupon_rate\": 2.935, \"years_to_maturity\": 5, \"ytm\": 0.819, \"coupon_frequency\": 2}}\n</tool_call>", "role": "assistant"}]}
{"id": 100170, "query": "What is the protected and unprotected amount at 兆豐銀行 given deposits of 3370000 and 2310000?", "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\"}}}, {\"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\"}}}]", "query_zhtw": "請問我在 兆豐銀行 的存款有多少受到存款保險保障？台幣 3370000、外幣折算 2310000。", "think": "先看清楚使用者要什麼。這題是要確認存款受存款保險保障的額度，掃過 2 個工具後，`mortgage_amortization` 明顯屬於其他業務範疇；`deposit_insurance_coverage` 才是負責查核存款保險保障額度的那一個，就用它。\n\n然後把使用者給的條件填進參數：`bank`（要保機構名稱）帶 \"兆豐銀行\"。`ntd_deposit` 設為 3370000，也就是題目說的台幣存款餘額。外幣存款折台幣金額對應到 `fx_deposit_twd_equiv`，值是 2310000。\n\n另外要記住的規則：不同金融機構分別計算，因此分散存放可提高受保額度。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"兆豐銀行\", \"ntd_deposit\": 3370000, \"fx_deposit_twd_equiv\": 2310000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請問我在 兆豐銀行 的存款有多少受到存款保險保障？台幣 3370000、外幣折算 2310000。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要確認存款受存款保險保障的額度，掃過 2 個工具後，`mortgage_amortization` 明顯屬於其他業務範疇；`deposit_insurance_coverage` 才是負責查核存款保險保障額度的那一個，就用它。\n\n然後把使用者給的條件填進參數：`bank`（要保機構名稱）帶 \"兆豐銀行\"。`ntd_deposit` 設為 3370000，也就是題目說的台幣存款餘額。外幣存款折台幣金額對應到 `fx_deposit_twd_equiv`，值是 2310000。\n\n另外要記住的規則：不同金融機構分別計算，因此分散存放可提高受保額度。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"兆豐銀行\", \"ntd_deposit\": 3370000, \"fx_deposit_twd_equiv\": 2310000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100173, "query": "What due diligence level applies to this corporate client from US with PEP status False?", "tools": "[{\"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\"}}}, {\"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\"}}}]", "query_zhtw": "請做客戶風險評級：類型 corporate、職業 護理師、國籍 US、PEP False、月交易量 5640000。", "think": "先看清楚使用者要什麼。這題是要評定客戶的 KYC 風險等級，工具清單裡有 2 個函式，其中 `aml_transaction_screening` 分別處理法令遵循，跟這題無關；只有 `kyc_risk_rating` 的描述對應做客戶風險分級，所以選它。\n\n把題目資訊映射到函式參數：`customer_type` 設為 \"corporate\"，也就是題目說的客戶類型。職業或營業性質對應到 `occupation`，值是 \"護理師\"。`nationality` 設為 \"US\"，也就是題目說的國籍或註冊地。`is_pep`（是否為重要政治性職務人士）帶 false。`expected_monthly_volume` 就是預估月交易量，這裡填 5640000。\n\n另外要記住的規則：PEP、高風險國家、現金密集行業或虛擬資產業者應列為高風險並執行加強審查。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"corporate\", \"occupation\": \"護理師\", \"nationality\": \"US\", \"is_pep\": false, \"expected_monthly_volume\": 5640000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請做客戶風險評級：類型 corporate、職業 護理師、國籍 US、PEP False、月交易量 5640000。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要評定客戶的 KYC 風險等級，工具清單裡有 2 個函式，其中 `aml_transaction_screening` 分別處理法令遵循，跟這題無關；只有 `kyc_risk_rating` 的描述對應做客戶風險分級，所以選它。\n\n把題目資訊映射到函式參數：`customer_type` 設為 \"corporate\"，也就是題目說的客戶類型。職業或營業性質對應到 `occupation`，值是 \"護理師\"。`nationality` 設為 \"US\"，也就是題目說的國籍或註冊地。`is_pep`（是否為重要政治性職務人士）帶 false。`expected_monthly_volume` 就是預估月交易量，這裡填 5640000。\n\n另外要記住的規則：PEP、高風險國家、現金密集行業或虛擬資產業者應列為高風險並執行加強審查。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"corporate\", \"occupation\": \"護理師\", \"nationality\": \"US\", \"is_pep\": false, \"expected_monthly_volume\": 5640000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100177, "query": "Compute future value of monthly contributions of 15000 over 6 years.", "tools": "[{\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}]", "query_zhtw": "每個月扣 15000 元投資 00646，投 6 年、年報酬 5.0%，總值和總投入各多少？", "think": "先看清楚使用者要什麼。這題是要推估定期定額的終值，工具清單裡只提供了 `regular_investment_projection`，其用途與此需求相符，選它沒有問題。\n\n接下來確認每個參數要帶什麼：每月扣款金額對應到 `monthly_amount`，值是 15000。`annual_return` 設為 0.05，也就是題目說的假設年化報酬率。投資年數對應到 `years`，值是 6。`symbol`（累積標的代號）帶 \"00646\"。\n\n另外要記住的規則：定期定額終值採期末年金複利公式；台灣券商多數提供最低 1,000~3,000 元的定期定額門檻。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"regular_investment_projection\", \"arguments\": {\"monthly_amount\": 15000, \"annual_return\": 0.05, \"years\": 6, \"symbol\": \"00646\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "每個月扣 15000 元投資 00646，投 6 年、年報酬 5.0%，總值和總投入各多少？", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要推估定期定額的終值，工具清單裡只提供了 `regular_investment_projection`，其用途與此需求相符，選它沒有問題。\n\n接下來確認每個參數要帶什麼：每月扣款金額對應到 `monthly_amount`，值是 15000。`annual_return` 設為 0.05，也就是題目說的假設年化報酬率。投資年數對應到 `years`，值是 6。`symbol`（累積標的代號）帶 \"00646\"。\n\n另外要記住的規則：定期定額終值採期末年金複利公式；台灣券商多數提供最低 1,000~3,000 元的定期定額門檻。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"regular_investment_projection\", \"arguments\": {\"monthly_amount\": 15000, \"annual_return\": 0.05, \"years\": 6, \"symbol\": \"00646\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100179, "query": "Estimate the life insurance gap for annual income 2980000, 21 dependant years, existing coverage 4100000, liabilities 18190000. Additionally, life insurance needs analysis for this household profile.", "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\"}}}, {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}]", "query_zhtw": "我年收入 298 萬，小孩還要養 21 年，現有壽險 4100000，房貸等負債 18190000，用需求分析法算保額缺口。同時，所得替代法下我的保障缺口是多少？收入 690000、需扶養 23 年。", "think": "這個請求的重點在於算壽險保額缺口，工具清單裡有 3 個函式，其中 `retirement_gap_analysis`、`financial_term_explain` 分別處理財務規劃、金融知識查詢，跟這題無關；只有 `life_insurance_gap` 的描述對應評估壽險保障缺口，所以選它。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n接下來確認每個參數要帶什麼：`annual_income` 就是被保險人年收入，這裡填 2980000。尚需扶養的年數對應到 `dependent_years`，值是 21。`existing_coverage` 設為 4100000，也就是題目說的既有壽險保額。`outstanding_liabilities` 就是未償負債，這裡填 18190000。`method`（保額估算方法）帶 \"needs_based\"。\n\n第二組條件則是：`annual_income` 設為 690000，也就是題目說的被保險人年收入。`dependent_years`（尚需扶養的年數）帶 23。`method`（保額估算方法）帶 \"income_replacement\"。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 2980000, \"dependent_years\": 21, \"existing_coverage\": 4100000, \"outstanding_liabilities\": 18190000, \"method\": \"needs_based\"}}, {\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 690000, \"dependent_years\": 23, \"method\": \"income_replacement\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我年收入 298 萬，小孩還要養 21 年，現有壽險 4100000，房貸等負債 18190000，用需求分析法算保額缺口。同時，所得替代法下我的保障缺口是多少？收入 690000、需扶養 23 年。", "role": "user"}, {"content": "<think>\n這個請求的重點在於算壽險保額缺口，工具清單裡有 3 個函式，其中 `retirement_gap_analysis`、`financial_term_explain` 分別處理財務規劃、金融知識查詢，跟這題無關；只有 `life_insurance_gap` 的描述對應評估壽險保障缺口，所以選它。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n接下來確認每個參數要帶什麼：`annual_income` 就是被保險人年收入，這裡填 2980000。尚需扶養的年數對應到 `dependent_years`，值是 21。`existing_coverage` 設為 4100000，也就是題目說的既有壽險保額。`outstanding_liabilities` 就是未償負債，這裡填 18190000。`method`（保額估算方法）帶 \"needs_based\"。\n\n第二組條件則是：`annual_income` 設為 690000，也就是題目說的被保險人年收入。`dependent_years`（尚需扶養的年數）帶 23。`method`（保額估算方法）帶 \"income_replacement\"。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 2980000, \"dependent_years\": 21, \"existing_coverage\": 4100000, \"outstanding_liabilities\": 18190000, \"method\": \"needs_based\"}}\n</tool_call>\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 690000, \"dependent_years\": 23, \"method\": \"income_replacement\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100220, "query": "Compute interest on a 930000 TWD time deposit at 1.345% for 6 months, monthly_compound.", "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\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "我在玉山銀行存 93 萬定存，年利率 1.345%、6 個月、機動利率、整存整付按月複利，到期利息多少？", "think": "讓我理一下。需求是算定期存款的到期利息，共有 3 個候選函式。`foreign_currency_deposit_return`、`market_index_lookup` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n參數的部分這樣對：`principal` 設為 930000，也就是題目說的存款本金。年利率（%）對應到 `annual_rate`，值是 1.345。存期月數對應到 `months`，值是 6。`interest_type` 設為 \"floating\"，也就是題目說的固定或機動利率。`compounding` 設為 \"monthly_compound\"，也就是題目說的計息方式。型別上 `months` 是 int，格式別弄錯。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 930000, \"annual_rate\": 1.345, \"months\": 6, \"interest_type\": \"floating\", \"compounding\": \"monthly_compound\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我在玉山銀行存 93 萬定存，年利率 1.345%、6 個月、機動利率、整存整付按月複利，到期利息多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是算定期存款的到期利息，共有 3 個候選函式。`foreign_currency_deposit_return`、`market_index_lookup` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n參數的部分這樣對：`principal` 設為 930000，也就是題目說的存款本金。年利率（%）對應到 `annual_rate`，值是 1.345。存期月數對應到 `months`，值是 6。`interest_type` 設為 \"floating\"，也就是題目說的固定或機動利率。`compounding` 設為 \"monthly_compound\"，也就是題目說的計息方式。型別上 `months` 是 int，格式別弄錯。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 930000, \"annual_rate\": 1.345, \"months\": 6, \"interest_type\": \"floating\", \"compounding\": \"monthly_compound\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100239, "query": "Price a bond with face value 1000000, coupon 3.692%, 10 years to maturity and a yield of 5.36%.", "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\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}]", "query_zhtw": "面額 1000000 元、票面利率 3.692%、剩 10 年到期、殖利率 5.36%、半年配，債券價格是多少？折價還是溢價？", "think": "這個請求的重點在於由殖利率反推債券價格，先排除不相干的選項：`market_index_lookup` 是金融知識查詢用的，都不符合。剩下 `bond_price_from_ytm` 才是處理做債券評價的函式。\n\n接著逐一對應參數：債券面額對應到 `face_value`，值是 1000000。票面利率（%）對應到 `coupon_rate`，值是 3.692。`years_to_maturity` 就是剩餘到期年數，這裡填 10。`ytm` 設為 5.36，也就是題目說的到期殖利率（%）。`coupon_frequency` 設為 2，也就是題目說的每年付息次數。\n\n另外要記住的規則：票面利率高於殖利率為溢價、低於為折價；台灣公司債多為半年付息一次。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 1000000, \"coupon_rate\": 3.692, \"years_to_maturity\": 10, \"ytm\": 5.36, \"coupon_frequency\": 2}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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']\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "面額 1000000 元、票面利率 3.692%、剩 10 年到期、殖利率 5.36%、半年配，債券價格是多少？折價還是溢價？", "role": "user"}, {"content": "<think>\n這個請求的重點在於由殖利率反推債券價格，先排除不相干的選項：`market_index_lookup` 是金融知識查詢用的，都不符合。剩下 `bond_price_from_ytm` 才是處理做債券評價的函式。\n\n接著逐一對應參數：債券面額對應到 `face_value`，值是 1000000。票面利率（%）對應到 `coupon_rate`，值是 3.692。`years_to_maturity` 就是剩餘到期年數，這裡填 10。`ytm` 設為 5.36，也就是題目說的到期殖利率（%）。`coupon_frequency` 設為 2，也就是題目說的每年付息次數。\n\n另外要記住的規則：票面利率高於殖利率為溢價、低於為折價；台灣公司債多為半年付息一次。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 1000000, \"coupon_rate\": 3.692, \"years_to_maturity\": 10, \"ytm\": 5.36, \"coupon_frequency\": 2}}\n</tool_call>", "role": "assistant"}]}
{"id": 100242, "query": "How much will accumulate in my labor pension account over 24 years at wage 55400 with 0.03 voluntary contributions? Additionally, calculate the securities transaction tax on selling 4400000 TWD of warrant, day_trade=False.", "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\"}}}, {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "勞退新制試算：工資 55400、自提率 0.03、24 年、報酬率 0.05。還有，我賣出 440 萬元的權證，屬於一般交易，證交稅要繳多少？", "think": "好的，我來拆解這個需求。使用者想推估勞退新制個人專戶的累積金額，掃過 4 個工具後，`price_limit_range`、`nhi_supplementary_premium` 明顯屬於其他業務範疇；`labor_pension_fund_projection` 才是負責推估勞退專戶餘額的那一個，就用它。使用者在後半段還問了另一件事——算賣出時要繳的證券交易稅，那要另外呼叫 `securities_transaction_tax`。\n\n參數的部分這樣對：`monthly_wage`（月提繳工資）帶 55400。勞工自願提繳率對應到 `self_contribution_rate`，值是 0.03。`years`（提繳年數）帶 24。`annual_return` 設為 0.05，也就是題目說的假設年化報酬率。注意 `years` 的型別是 int，不要寫成字串。\n\n再看 `securities_transaction_tax` 這一組：賣出成交金額對應到 `amount`，值是 4400000。商品類別對應到 `security_type`，值是 \"warrant\"。`day_trade`（是否當沖）帶 false。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"labor_pension_fund_projection\", \"arguments\": {\"monthly_wage\": 55400, \"self_contribution_rate\": 0.03, \"years\": 24, \"annual_return\": 0.05}}, {\"name\": \"securities_transaction_tax\", \"arguments\": {\"amount\": 4400000, \"security_type\": \"warrant\", \"day_trade\": false}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "勞退新制試算：工資 55400、自提率 0.03、24 年、報酬率 0.05。還有，我賣出 440 萬元的權證，屬於一般交易，證交稅要繳多少？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想推估勞退新制個人專戶的累積金額，掃過 4 個工具後，`price_limit_range`、`nhi_supplementary_premium` 明顯屬於其他業務範疇；`labor_pension_fund_projection` 才是負責推估勞退專戶餘額的那一個，就用它。使用者在後半段還問了另一件事——算賣出時要繳的證券交易稅，那要另外呼叫 `securities_transaction_tax`。\n\n參數的部分這樣對：`monthly_wage`（月提繳工資）帶 55400。勞工自願提繳率對應到 `self_contribution_rate`，值是 0.03。`years`（提繳年數）帶 24。`annual_return` 設為 0.05，也就是題目說的假設年化報酬率。注意 `years` 的型別是 int，不要寫成字串。\n\n再看 `securities_transaction_tax` 這一組：賣出成交金額對應到 `amount`，值是 4400000。商品類別對應到 `security_type`，值是 \"warrant\"。`day_trade`（是否當沖）帶 false。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"labor_pension_fund_projection\", \"arguments\": {\"monthly_wage\": 55400, \"self_contribution_rate\": 0.03, \"years\": 24, \"annual_return\": 0.05}}\n</tool_call>\n<tool_call>\n{\"name\": \"securities_transaction_tax\", \"arguments\": {\"amount\": 4400000, \"security_type\": \"warrant\", \"day_trade\": false}}\n</tool_call>", "role": "assistant"}]}
{"id": 100247, "query": "Compute the TWD-based return of converting 1170000 into EUR at 20.896, earning 0.65% for 12 months, and converting back at 11.187.", "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\"}}}, {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}, {\"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\"}}}]", "query_zhtw": "我拿 117 萬台幣換歐元做 12 個月外幣定存，利率 0.65%，換入 20.896、到期換回 11.187，實際賺賠多少？", "think": "好的，我來拆解這個需求。使用者想算外幣定存以台幣計價的實際損益，先排除不相干的選項：`expense_ratio_drag`、`securities_transaction_tax` 是台股交易、基金與 ETF用的，都不符合。剩下 `foreign_currency_deposit_return` 才是處理計算外幣定存實質報酬的函式。\n\n把題目資訊映射到函式參數：`amount_twd` 設為 1170000，也就是題目說的投入的台幣金額。外幣幣別對應到 `currency`，值是 \"EUR\"。`annual_rate` 就是外幣存款年利率（%），這裡填 0.65。存期月數對應到 `months`，值是 12。`fx_sell` 就是換入時的銀行賣出匯率，這裡填 20.896。`fx_buy_back` 設為 11.187，也就是題目說的贖回時的銀行買入匯率。注意 `fx_buy_back` 的型別是 float，不要寫成字串。\n\n另外要記住的規則：外幣定存的實質報酬 = 外幣利息 − 換匯價差；買入用銀行賣出價、贖回用銀行買入價，兩者價差常吃掉大半利息。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"foreign_currency_deposit_return\", \"arguments\": {\"amount_twd\": 1170000, \"currency\": \"EUR\", \"annual_rate\": 0.65, \"months\": 12, \"fx_sell\": 20.896, \"fx_buy_back\": 11.187}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我拿 117 萬台幣換歐元做 12 個月外幣定存，利率 0.65%，換入 20.896、到期換回 11.187，實際賺賠多少？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想算外幣定存以台幣計價的實際損益，先排除不相干的選項：`expense_ratio_drag`、`securities_transaction_tax` 是台股交易、基金與 ETF用的，都不符合。剩下 `foreign_currency_deposit_return` 才是處理計算外幣定存實質報酬的函式。\n\n把題目資訊映射到函式參數：`amount_twd` 設為 1170000，也就是題目說的投入的台幣金額。外幣幣別對應到 `currency`，值是 \"EUR\"。`annual_rate` 就是外幣存款年利率（%），這裡填 0.65。存期月數對應到 `months`，值是 12。`fx_sell` 就是換入時的銀行賣出匯率，這裡填 20.896。`fx_buy_back` 設為 11.187，也就是題目說的贖回時的銀行買入匯率。注意 `fx_buy_back` 的型別是 float，不要寫成字串。\n\n另外要記住的規則：外幣定存的實質報酬 = 外幣利息 − 換匯價差；買入用銀行賣出價、贖回用銀行買入價，兩者價差常吃掉大半利息。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"foreign_currency_deposit_return\", \"arguments\": {\"amount_twd\": 1170000, \"currency\": \"EUR\", \"annual_rate\": 0.65, \"months\": 12, \"fx_sell\": 20.896, \"fx_buy_back\": 11.187}}\n</tool_call>", "role": "assistant"}]}
{"id": 100248, "query": "Compute revolving credit interest on a 160000 TWD balance at 8.56% APR over 15 days.", "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\"}}}]", "query_zhtw": "我彰化銀行信用卡欠 160000 元動用循環信用，年利率 8.56%，15 天的利息是多少？合法嗎？", "think": "這個請求的重點在於算信用卡循環信用利息，先排除不相干的選項：`mortgage_amortization` 是銀行存放款用的，都不符合。剩下 `credit_card_revolving_interest` 才是處理計算循環信用利息的函式。\n\n參數的部分這樣對：`balance` 就是循環信用未清償餘額，這裡填 160000。循環信用年利率（%）對應到 `apr`，值是 8.56。`days`（計息天數）帶 15。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 160000, \"apr\": 8.56, \"days\": 15}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我彰化銀行信用卡欠 160000 元動用循環信用，年利率 8.56%，15 天的利息是多少？合法嗎？", "role": "user"}, {"content": "<think>\n這個請求的重點在於算信用卡循環信用利息，先排除不相干的選項：`mortgage_amortization` 是銀行存放款用的，都不符合。剩下 `credit_card_revolving_interest` 才是處理計算循環信用利息的函式。\n\n參數的部分這樣對：`balance` 就是循環信用未清償餘額，這裡填 160000。循環信用年利率（%）對應到 `apr`，值是 8.56。`days`（計息天數）帶 15。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 160000, \"apr\": 8.56, \"days\": 15}}\n</tool_call>", "role": "assistant"}]}
{"id": 100253, "query": "What is 台灣銀行's posted GBP/TWD cash_sell rate?", "tools": "[{\"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\"}}}]", "query_zhtw": "我要看 台灣銀行 的 GBP/TWD cash_sell 牌告匯率。", "think": "先看清楚使用者要什麼。這題是要查銀行牌告匯率，目前只有一個可用函式 `fx_rate_lookup`，功能描述正好對應這個需求，所以直接用它。\n\n接下來確認每個參數要帶什麼：`base_currency`（外幣幣別）帶 \"GBP\"。`quote_currency` 就是計價幣別，這裡填 \"TWD\"。`bank` 設為 \"台灣銀行\"，也就是題目說的查詢的銀行。`rate_type` 設為 \"cash_sell\"，也就是題目說的牌告匯率種類。\n\n另外要記住的規則：台灣銀行牌告分現金與即期，買入是銀行向客戶買外幣的價格，賣出是銀行賣給客戶的價格，客戶換匯永遠吃到較差的一邊。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"GBP\", \"quote_currency\": \"TWD\", \"bank\": \"台灣銀行\", \"rate_type\": \"cash_sell\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我要看 台灣銀行 的 GBP/TWD cash_sell 牌告匯率。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要查銀行牌告匯率，目前只有一個可用函式 `fx_rate_lookup`，功能描述正好對應這個需求，所以直接用它。\n\n接下來確認每個參數要帶什麼：`base_currency`（外幣幣別）帶 \"GBP\"。`quote_currency` 就是計價幣別，這裡填 \"TWD\"。`bank` 設為 \"台灣銀行\"，也就是題目說的查詢的銀行。`rate_type` 設為 \"cash_sell\"，也就是題目說的牌告匯率種類。\n\n另外要記住的規則：台灣銀行牌告分現金與即期，買入是銀行向客戶買外幣的價格，賣出是銀行賣給客戶的價格，客戶換匯永遠吃到較差的一邊。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"GBP\", \"quote_currency\": \"TWD\", \"bank\": \"台灣銀行\", \"rate_type\": \"cash_sell\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100266, "query": "Pull the daily market data of ticker 00687B (TWSE) for 2026-06-17.", "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\": \"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\"}}}]", "query_zhtw": "查一下 國泰20年美債 2026-06-17 的股價，代號 00687B，TWSE 上市櫃。", "think": "先看清楚使用者要什麼。這題是要查詢某檔台股在特定交易日的行情，共有 2 個候選函式。`margin_trading_calc` 的功能與本題情境不符，正確的是 `twse_quote_lookup`，因為它就是用來抓取台股日成交資料的。\n\n接下來確認每個參數要帶什麼：`symbol`（股票代號）帶 \"00687B\"。`date`（交易日期）帶 \"2026-06-17\"。`market`（市場別）帶 \"TWSE\"。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"twse_quote_lookup\", \"arguments\": {\"symbol\": \"00687B\", \"date\": \"2026-06-17\", \"market\": \"TWSE\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "查一下 國泰20年美債 2026-06-17 的股價，代號 00687B，TWSE 上市櫃。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要查詢某檔台股在特定交易日的行情，共有 2 個候選函式。`margin_trading_calc` 的功能與本題情境不符，正確的是 `twse_quote_lookup`，因為它就是用來抓取台股日成交資料的。\n\n接下來確認每個參數要帶什麼：`symbol`（股票代號）帶 \"00687B\"。`date`（交易日期）帶 \"2026-06-17\"。`market`（市場別）帶 \"TWSE\"。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"twse_quote_lookup\", \"arguments\": {\"symbol\": \"00687B\", \"date\": \"2026-06-17\", \"market\": \"TWSE\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100268, "query": "Get a credit bureau report with a 12-month inquiry window.", "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\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "調一份信用卡申請用的聯合徵信中心信用報告（credit_score_only），回溯 12 個月。", "think": "收到，使用者需要的是申請聯徵信用報告。掃過 3 個工具後，`foreign_currency_deposit_return`、`labor_pension_fund_projection` 明顯屬於其他業務範疇；`jcic_credit_report` 才是負責調閱聯徵信用報告的那一個，就用它。\n\n參數的部分這樣對：查詢目的對應到 `query_purpose`，值是 \"credit_card_application\"。`report_type`（報告種類）帶 \"credit_score_only\"。`recent_inquiries_months` 就是被查詢紀錄回溯月數，這裡填 12。`recent_inquiries_months` 要用 int 型別傳入。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"jcic_credit_report\", \"arguments\": {\"query_purpose\": \"credit_card_application\", \"report_type\": \"credit_score_only\", \"recent_inquiries_months\": 12}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "調一份信用卡申請用的聯合徵信中心信用報告（credit_score_only），回溯 12 個月。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是申請聯徵信用報告。掃過 3 個工具後，`foreign_currency_deposit_return`、`labor_pension_fund_projection` 明顯屬於其他業務範疇；`jcic_credit_report` 才是負責調閱聯徵信用報告的那一個，就用它。\n\n參數的部分這樣對：查詢目的對應到 `query_purpose`，值是 \"credit_card_application\"。`report_type`（報告種類）帶 \"credit_score_only\"。`recent_inquiries_months` 就是被查詢紀錄回溯月數，這裡填 12。`recent_inquiries_months` 要用 int 型別傳入。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"jcic_credit_report\", \"arguments\": {\"query_purpose\": \"credit_card_application\", \"report_type\": \"credit_score_only\", \"recent_inquiries_months\": 12}}\n</tool_call>", "role": "assistant"}]}
{"id": 100272, "query": "Calculate the maturity interest of a 36-month deposit of 170000 at 1.955%.", "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\": \"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\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "17 萬放 36 個月定存，固定利率 1.955%，整存整付按月複利，能拿多少利息？", "think": "讓我理一下。需求是算定期存款的到期利息，共有 4 個候選函式。`taiwan_regulation_lookup`、`nhi_supplementary_premium`、`jcic_credit_report` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n把題目資訊映射到函式參數：`principal` 就是存款本金，這裡填 170000。`annual_rate` 就是年利率（%），這裡填 1.955。存期月數對應到 `months`，值是 36。`interest_type` 設為 \"fixed\"，也就是題目說的固定或機動利率。`compounding` 設為 \"monthly_compound\"，也就是題目說的計息方式。型別上 `principal` 是 int，格式別弄錯。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 170000, \"annual_rate\": 1.955, \"months\": 36, \"interest_type\": \"fixed\", \"compounding\": \"monthly_compound\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "17 萬放 36 個月定存，固定利率 1.955%，整存整付按月複利，能拿多少利息？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是算定期存款的到期利息，共有 4 個候選函式。`taiwan_regulation_lookup`、`nhi_supplementary_premium`、`jcic_credit_report` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n把題目資訊映射到函式參數：`principal` 就是存款本金，這裡填 170000。`annual_rate` 就是年利率（%），這裡填 1.955。存期月數對應到 `months`，值是 36。`interest_type` 設為 \"fixed\"，也就是題目說的固定或機動利率。`compounding` 設為 \"monthly_compound\"，也就是題目說的計息方式。型別上 `principal` 是 int，格式別弄錯。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 170000, \"annual_rate\": 1.955, \"months\": 36, \"interest_type\": \"fixed\", \"compounding\": \"monthly_compound\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100301, "query": "Compute margin self-payment and the margin-call price for 4000 shares of 2891 at 599.3 with financing ratio 0.4 and maintenance threshold 1.3.", "tools": "[{\"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\"}}}, {\"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\"}}}]", "query_zhtw": "我想融資買 4 張 中信金（2891），股價 599.3，融資成數 40%，自備款要多少？維持率 1.3 的追繳價是多少？", "think": "使用者的問題是算融資買進的自備款與追繳價。工具清單裡有 2 個函式，其中 `stock_trade_cost` 分別處理台股交易，跟這題無關；只有 `margin_trading_calc` 的描述對應處理融資融券試算，所以選它。\n\n把題目資訊映射到函式參數：`price` 就是每股買進價，這裡填 599.3。`shares` 就是融資股數，這裡填 4000。`financing_ratio` 就是融資成數，這裡填 0.4。`maintenance_threshold` 設為 1.3，也就是題目說的追繳維持率。`price` 要用 float 型別傳入。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 599.3, \"shares\": 4000, \"financing_ratio\": 0.4, \"maintenance_threshold\": 1.3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我想融資買 4 張 中信金（2891），股價 599.3，融資成數 40%，自備款要多少？維持率 1.3 的追繳價是多少？", "role": "user"}, {"content": "<think>\n使用者的問題是算融資買進的自備款與追繳價。工具清單裡有 2 個函式，其中 `stock_trade_cost` 分別處理台股交易，跟這題無關；只有 `margin_trading_calc` 的描述對應處理融資融券試算，所以選它。\n\n把題目資訊映射到函式參數：`price` 就是每股買進價，這裡填 599.3。`shares` 就是融資股數，這裡填 4000。`financing_ratio` 就是融資成數，這裡填 0.4。`maintenance_threshold` 設為 1.3，也就是題目說的追繳維持率。`price` 要用 float 型別傳入。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 599.3, \"shares\": 4000, \"financing_ratio\": 0.4, \"maintenance_threshold\": 1.3}}\n</tool_call>", "role": "assistant"}]}
{"id": 100318, "query": "How much more life cover do I need using the needs_based method?", "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\"}}}]", "query_zhtw": "壽險保額試算：年收入 840000、扶養年數 23、既有保額 12130000、負債 8070000、方法 needs_based。", "think": "好的，我來拆解這個需求。使用者想算壽險保額缺口，可用函式只有 `life_insurance_gap` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接下來確認每個參數要帶什麼：被保險人年收入對應到 `annual_income`，值是 840000。`dependent_years` 設為 23，也就是題目說的尚需扶養的年數。`existing_coverage`（既有壽險保額）帶 12130000。`outstanding_liabilities` 就是未償負債，這裡填 8070000。`method`（保額估算方法）帶 \"needs_based\"。注意 `existing_coverage` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 840000, \"dependent_years\": 23, \"existing_coverage\": 12130000, \"outstanding_liabilities\": 8070000, \"method\": \"needs_based\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "壽險保額試算：年收入 840000、扶養年數 23、既有保額 12130000、負債 8070000、方法 needs_based。", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想算壽險保額缺口，可用函式只有 `life_insurance_gap` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接下來確認每個參數要帶什麼：被保險人年收入對應到 `annual_income`，值是 840000。`dependent_years` 設為 23，也就是題目說的尚需扶養的年數。`existing_coverage`（既有壽險保額）帶 12130000。`outstanding_liabilities` 就是未償負債，這裡填 8070000。`method`（保額估算方法）帶 \"needs_based\"。注意 `existing_coverage` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 840000, \"dependent_years\": 23, \"existing_coverage\": 12130000, \"outstanding_liabilities\": 8070000, \"method\": \"needs_based\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100327, "query": "Explain the Taiwanese financial term '殖利率曲線倒掛' at a professional level in zh-TW.", "tools": "[{\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}, {\"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']\"}}}]", "query_zhtw": "請用從業人員聽得懂的方式解釋「殖利率曲線倒掛」。", "think": "這個請求的重點在於解釋一個金融名詞，工具清單裡有 2 個函式，其中 `market_index_lookup` 分別處理金融知識查詢，跟這題無關；只有 `financial_term_explain` 的描述對應解釋金融名詞，所以選它。\n\n參數的部分這樣對：要解釋的金融名詞對應到 `term`，值是 \"殖利率曲線倒掛\"。`audience_level`（受眾程度）帶 \"professional\"。輸出語言對應到 `language`，值是 \"zh-TW\"。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"殖利率曲線倒掛\", \"audience_level\": \"professional\", \"language\": \"zh-TW\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請用從業人員聽得懂的方式解釋「殖利率曲線倒掛」。", "role": "user"}, {"content": "<think>\n這個請求的重點在於解釋一個金融名詞，工具清單裡有 2 個函式，其中 `market_index_lookup` 分別處理金融知識查詢，跟這題無關；只有 `financial_term_explain` 的描述對應解釋金融名詞，所以選它。\n\n參數的部分這樣對：要解釋的金融名詞對應到 `term`，值是 \"殖利率曲線倒掛\"。`audience_level`（受眾程度）帶 \"professional\"。輸出語言對應到 `language`，值是 \"zh-TW\"。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"殖利率曲線倒掛\", \"audience_level\": \"professional\", \"language\": \"zh-TW\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100335, "query": "Look up TWSE50 data for 2026-06-19, fields ['open', 'high', 'low', 'close', 'volume']. In addition, margin trading math for 2882: price 596.5, shares 7000, ratio 0.6, maintenance 1.3.", "tools": "[{\"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\"}}}, {\"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']\"}}}]", "query_zhtw": "請查 台灣50指數（TWSE50）在 2026-06-19 的open、high、low、close、volume。還有，2882 現價 596.5，我要融資 7000 股、成數 0.6，自備款和追繳價各是多少？", "think": "讓我理一下。需求是查台灣股市指數的當日數據，目前只有一個可用函式 `market_index_lookup`，功能描述正好對應這個需求，所以直接用它。使用者在後半段還問了另一件事——算融資買進的自備款與追繳價，那要另外呼叫 `margin_trading_calc`。\n\n接著逐一對應參數：`index_name`（指數代碼）帶 \"TWSE50\"。`date`（查詢日期）帶 \"2026-06-19\"。要回傳的欄位對應到 `fields`，值是 [\"open\", \"high\", \"low\", \"close\", \"volume\"]。注意 `fields` 的型別是 list，不要寫成字串。\n\n`margin_trading_calc` 的參數這樣填：`price` 設為 596.5，也就是題目說的每股買進價。`shares` 就是融資股數，這裡填 7000。`financing_ratio` 設為 0.6，也就是題目說的融資成數。追繳維持率對應到 `maintenance_threshold`，值是 1.3。型別上 `financing_ratio` 是 float，格式別弄錯。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TWSE50\", \"date\": \"2026-06-19\", \"fields\": [\"open\", \"high\", \"low\", \"close\", \"volume\"]}}, {\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 596.5, \"shares\": 7000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請查 台灣50指數（TWSE50）在 2026-06-19 的open、high、low、close、volume。還有，2882 現價 596.5，我要融資 7000 股、成數 0.6，自備款和追繳價各是多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是查台灣股市指數的當日數據，目前只有一個可用函式 `market_index_lookup`，功能描述正好對應這個需求，所以直接用它。使用者在後半段還問了另一件事——算融資買進的自備款與追繳價，那要另外呼叫 `margin_trading_calc`。\n\n接著逐一對應參數：`index_name`（指數代碼）帶 \"TWSE50\"。`date`（查詢日期）帶 \"2026-06-19\"。要回傳的欄位對應到 `fields`，值是 [\"open\", \"high\", \"low\", \"close\", \"volume\"]。注意 `fields` 的型別是 list，不要寫成字串。\n\n`margin_trading_calc` 的參數這樣填：`price` 設為 596.5，也就是題目說的每股買進價。`shares` 就是融資股數，這裡填 7000。`financing_ratio` 設為 0.6，也就是題目說的融資成數。追繳維持率對應到 `maintenance_threshold`，值是 1.3。型別上 `financing_ratio` 是 float，格式別弄錯。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TWSE50\", \"date\": \"2026-06-19\", \"fields\": [\"open\", \"high\", \"low\", \"close\", \"volume\"]}}\n</tool_call>\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 596.5, \"shares\": 7000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}\n</tool_call>", "role": "assistant"}]}
{"id": 100358, "query": "Margin trading math for 5880: price 434.8, shares 1000, ratio 0.6, maintenance 1.3. In addition, if I buy 6000 shares at NT$305.1 on 0.5 margin, how much cash do I need and where is the 1.3 maintenance call?", "tools": "[{\"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\"}}}, {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "query_zhtw": "5880 現價 434.8，我要融資 1000 股、成數 0.6，自備款和追繳價各是多少？還有，融資成數 0.5，買進 6000 股 3711、每股 305.1 元，請算融資金額與斷頭價（維持率 1.3）。", "think": "使用者的問題是算融資買進的自備款與追繳價。掃過 2 個工具後，`price_limit_range` 明顯屬於其他業務範疇；`margin_trading_calc` 才是負責處理融資融券試算的那一個，就用它。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n把題目資訊映射到函式參數：`price` 就是每股買進價，這裡填 434.8。`shares` 設為 1000，也就是題目說的融資股數。`financing_ratio`（融資成數）帶 0.6。`maintenance_threshold` 設為 1.3，也就是題目說的追繳維持率。\n\n第二組條件則是：`price` 就是每股買進價，這裡填 305.1。融資股數對應到 `shares`，值是 6000。`financing_ratio` 就是融資成數，這裡填 0.5。追繳維持率對應到 `maintenance_threshold`，值是 1.3。注意 `shares` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 434.8, \"shares\": 1000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}, {\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 305.1, \"shares\": 6000, \"financing_ratio\": 0.5, \"maintenance_threshold\": 1.3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "5880 現價 434.8，我要融資 1000 股、成數 0.6，自備款和追繳價各是多少？還有，融資成數 0.5，買進 6000 股 3711、每股 305.1 元，請算融資金額與斷頭價（維持率 1.3）。", "role": "user"}, {"content": "<think>\n使用者的問題是算融資買進的自備款與追繳價。掃過 2 個工具後，`price_limit_range` 明顯屬於其他業務範疇；`margin_trading_calc` 才是負責處理融資融券試算的那一個，就用它。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n把題目資訊映射到函式參數：`price` 就是每股買進價，這裡填 434.8。`shares` 設為 1000，也就是題目說的融資股數。`financing_ratio`（融資成數）帶 0.6。`maintenance_threshold` 設為 1.3，也就是題目說的追繳維持率。\n\n第二組條件則是：`price` 就是每股買進價，這裡填 305.1。融資股數對應到 `shares`，值是 6000。`financing_ratio` 就是融資成數，這裡填 0.5。追繳維持率對應到 `maintenance_threshold`，值是 1.3。注意 `shares` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 434.8, \"shares\": 1000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}\n</tool_call>\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 305.1, \"shares\": 6000, \"financing_ratio\": 0.5, \"maintenance_threshold\": 1.3}}\n</tool_call>", "role": "assistant"}]}
{"id": 100362, "query": "Calculate cash yield: ETF 00929, price 51.41, annual dividend 1.73.", "tools": "[{\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}, {\"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\"}}}, {\"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\"}}}, {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}]", "query_zhtw": "我想知道 復華台灣科技優息 的現金殖利率，目前 51.41 元，一年配 1.73 元（半年配）。", "think": "使用者的問題是算一檔 ETF 的現金殖利率。工具清單裡有 4 個函式，其中 `bond_price_from_ytm`、`dividend_tax_compare`、`credit_capacity_dbr` 分別處理信用與授信、債券與利率、稅務試算，跟這題無關；只有 `etf_dividend_yield` 的描述對應計算 ETF 配息殖利率，所以選它。\n\n然後把使用者給的條件填進參數：`symbol` 設為 \"00929\"，也就是題目說的ETF 代號。`price`（每單位市價）帶 51.41。`annual_dividend` 設為 1.73，也就是題目說的全年每單位配息。配息頻率對應到 `frequency`，值是 \"semiannual\"。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00929\", \"price\": 51.41, \"annual_dividend\": 1.73, \"frequency\": \"semiannual\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我想知道 復華台灣科技優息 的現金殖利率，目前 51.41 元，一年配 1.73 元（半年配）。", "role": "user"}, {"content": "<think>\n使用者的問題是算一檔 ETF 的現金殖利率。工具清單裡有 4 個函式，其中 `bond_price_from_ytm`、`dividend_tax_compare`、`credit_capacity_dbr` 分別處理信用與授信、債券與利率、稅務試算，跟這題無關；只有 `etf_dividend_yield` 的描述對應計算 ETF 配息殖利率，所以選它。\n\n然後把使用者給的條件填進參數：`symbol` 設為 \"00929\"，也就是題目說的ETF 代號。`price`（每單位市價）帶 51.41。`annual_dividend` 設為 1.73，也就是題目說的全年每單位配息。配息頻率對應到 `frequency`，值是 \"semiannual\"。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00929\", \"price\": 51.41, \"annual_dividend\": 1.73, \"frequency\": \"semiannual\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100383, "query": "How large is my retirement shortfall given 0.04 returns and 0.015 inflation to age 90?", "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\"}}}, {\"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\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"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']\"}}}]", "query_zhtw": "退休規劃試算：現齡 54、退休 60、月支出 110000、現有資產 6270000、報酬 0.04、通膨 0.015、餘命 90。", "think": "收到，使用者需要的是分析退休金缺口。先排除不相干的選項：`life_insurance_gap`、`time_deposit_interest`、`market_index_lookup` 是財務規劃、金融知識查詢、銀行存放款用的，都不符合。剩下 `retirement_gap_analysis` 才是處理做退休缺口分析的函式。\n\n把題目資訊映射到函式參數：目前年齡對應到 `current_age`，值是 54。`retirement_age`（預計退休年齡）帶 60。`monthly_expense_today`（今日幣值的每月支出）帶 110000。現有退休準備金對應到 `current_savings`，值是 6270000。`annual_return` 設為 0.04，也就是題目說的假設年化報酬率。`inflation_rate` 就是假設通膨率，這裡填 0.015。`life_expectancy` 設為 90，也就是題目說的預期壽命。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 54, \"retirement_age\": 60, \"monthly_expense_today\": 110000, \"current_savings\": 6270000, \"annual_return\": 0.04, \"inflation_rate\": 0.015, \"life_expectancy\": 90}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "退休規劃試算：現齡 54、退休 60、月支出 110000、現有資產 6270000、報酬 0.04、通膨 0.015、餘命 90。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是分析退休金缺口。先排除不相干的選項：`life_insurance_gap`、`time_deposit_interest`、`market_index_lookup` 是財務規劃、金融知識查詢、銀行存放款用的，都不符合。剩下 `retirement_gap_analysis` 才是處理做退休缺口分析的函式。\n\n把題目資訊映射到函式參數：目前年齡對應到 `current_age`，值是 54。`retirement_age`（預計退休年齡）帶 60。`monthly_expense_today`（今日幣值的每月支出）帶 110000。現有退休準備金對應到 `current_savings`，值是 6270000。`annual_return` 設為 0.04，也就是題目說的假設年化報酬率。`inflation_rate` 就是假設通膨率，這裡填 0.015。`life_expectancy` 設為 90，也就是題目說的預期壽命。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 54, \"retirement_age\": 60, \"monthly_expense_today\": 110000, \"current_savings\": 6270000, \"annual_return\": 0.04, \"inflation_rate\": 0.015, \"life_expectancy\": 90}}\n</tool_call>", "role": "assistant"}]}
{"id": 100384, "query": "Calculate cash yield: ETF 00679B, price 169.95, annual dividend 7.2.", "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\"}}}, {\"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\"}}}]", "query_zhtw": "我想知道 元大美債20年 的現金殖利率，目前 169.95 元，一年配 7.2 元（季配）。", "think": "收到，使用者需要的是算一檔 ETF 的現金殖利率。先排除不相干的選項：`twse_quote_lookup` 是台股交易用的，都不符合。剩下 `etf_dividend_yield` 才是處理計算 ETF 配息殖利率的函式。\n\n然後把使用者給的條件填進參數：`symbol`（ETF 代號）帶 \"00679B\"。`price` 設為 169.95，也就是題目說的每單位市價。`annual_dividend` 設為 7.2，也就是題目說的全年每單位配息。`frequency`（配息頻率）帶 \"quarterly\"。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00679B\", \"price\": 169.95, \"annual_dividend\": 7.2, \"frequency\": \"quarterly\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我想知道 元大美債20年 的現金殖利率，目前 169.95 元，一年配 7.2 元（季配）。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算一檔 ETF 的現金殖利率。先排除不相干的選項：`twse_quote_lookup` 是台股交易用的，都不符合。剩下 `etf_dividend_yield` 才是處理計算 ETF 配息殖利率的函式。\n\n然後把使用者給的條件填進參數：`symbol`（ETF 代號）帶 \"00679B\"。`price` 設為 169.95，也就是題目說的每單位市價。`annual_dividend` 設為 7.2，也就是題目說的全年每單位配息。`frequency`（配息頻率）帶 \"quarterly\"。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00679B\", \"price\": 169.95, \"annual_dividend\": 7.2, \"frequency\": \"quarterly\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100385, "query": "Check deposit insurance coverage for balances of 2340000 and 1620000 at 玉山銀行.", "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\": \"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\"}}}]", "query_zhtw": "同一家玉山銀行放 2340000 元台幣加 1620000 元外幣，中央存保賠付上限是多少？", "think": "這個請求的重點在於確認存款受存款保險保障的額度，工具清單裡有 2 個函式，其中 `time_deposit_interest` 分別處理銀行存放款，跟這題無關；只有 `deposit_insurance_coverage` 的描述對應查核存款保險保障額度，所以選它。\n\n參數的部分這樣對：`bank` 就是要保機構名稱，這裡填 \"玉山銀行\"。`ntd_deposit` 設為 2340000，也就是題目說的台幣存款餘額。`fx_deposit_twd_equiv` 就是外幣存款折台幣金額，這裡填 1620000。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"玉山銀行\", \"ntd_deposit\": 2340000, \"fx_deposit_twd_equiv\": 1620000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "同一家玉山銀行放 2340000 元台幣加 1620000 元外幣，中央存保賠付上限是多少？", "role": "user"}, {"content": "<think>\n這個請求的重點在於確認存款受存款保險保障的額度，工具清單裡有 2 個函式，其中 `time_deposit_interest` 分別處理銀行存放款，跟這題無關；只有 `deposit_insurance_coverage` 的描述對應查核存款保險保障額度，所以選它。\n\n參數的部分這樣對：`bank` 就是要保機構名稱，這裡填 \"玉山銀行\"。`ntd_deposit` 設為 2340000，也就是題目說的台幣存款餘額。`fx_deposit_twd_equiv` 就是外幣存款折台幣金額，這裡填 1620000。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"玉山銀行\", \"ntd_deposit\": 2340000, \"fx_deposit_twd_equiv\": 1620000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100392, "query": "Compute required retirement corpus and monthly savings for this profile.", "tools": "[{\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}]", "query_zhtw": "我 44 歲、62 歲退休（還有 18 年），每月要花 4 萬（今日幣值），手上 2820000 元，報酬抓 0.03、通膨 0.025、活到 90 歲，請算缺口與每月該存多少。", "think": "先看清楚使用者要什麼。這題是要分析退休金缺口，目前只有一個可用函式 `retirement_gap_analysis`，功能描述正好對應這個需求，所以直接用它。\n\n把題目資訊映射到函式參數：`current_age` 就是目前年齡，這裡填 44。`retirement_age`（預計退休年齡）帶 62。`monthly_expense_today` 設為 40000，也就是題目說的今日幣值的每月支出。現有退休準備金對應到 `current_savings`，值是 2820000。`annual_return` 設為 0.03，也就是題目說的假設年化報酬率。`inflation_rate` 就是假設通膨率，這裡填 0.025。`life_expectancy` 就是預期壽命，這裡填 90。`retirement_age` 要用 int 型別傳入。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 44, \"retirement_age\": 62, \"monthly_expense_today\": 40000, \"current_savings\": 2820000, \"annual_return\": 0.03, \"inflation_rate\": 0.025, \"life_expectancy\": 90}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我 44 歲、62 歲退休（還有 18 年），每月要花 4 萬（今日幣值），手上 2820000 元，報酬抓 0.03、通膨 0.025、活到 90 歲，請算缺口與每月該存多少。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要分析退休金缺口，目前只有一個可用函式 `retirement_gap_analysis`，功能描述正好對應這個需求，所以直接用它。\n\n把題目資訊映射到函式參數：`current_age` 就是目前年齡，這裡填 44。`retirement_age`（預計退休年齡）帶 62。`monthly_expense_today` 設為 40000，也就是題目說的今日幣值的每月支出。現有退休準備金對應到 `current_savings`，值是 2820000。`annual_return` 設為 0.03，也就是題目說的假設年化報酬率。`inflation_rate` 就是假設通膨率，這裡填 0.025。`life_expectancy` 就是預期壽命，這裡填 90。`retirement_age` 要用 int 型別傳入。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 44, \"retirement_age\": 62, \"monthly_expense_today\": 40000, \"current_savings\": 2820000, \"annual_return\": 0.03, \"inflation_rate\": 0.025, \"life_expectancy\": 90}}\n</tool_call>", "role": "assistant"}]}
{"id": 100431, "query": "Compute Taiwan gift tax on a gift of 26460000 in ROC year 115 with prior gifts of 2440000.", "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\"}}}]", "query_zhtw": "我今年想贈與子女 2646 萬，今年已經贈與過 2440000 元，贈與稅要繳多少？", "think": "收到，使用者需要的是試算贈與稅。可用函式只有 `gift_tax_calc` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`gift_amount` 就是本次贈與金額，這裡填 26460000。`donor_prior_gifts` 就是同年度先前已贈與金額，這裡填 2440000。`tax_year` 就是民國年度，這裡填 115。注意 `tax_year` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：115年度贈與稅免稅額為每一贈與人每年 244 萬元；級距 2,500 萬以下 10%、至 5,000 萬 15%、超過 20%。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"gift_tax_calc\", \"arguments\": {\"gift_amount\": 26460000, \"donor_prior_gifts\": 2440000, \"tax_year\": 115}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我今年想贈與子女 2646 萬，今年已經贈與過 2440000 元，贈與稅要繳多少？", "role": "user"}, {"content": "<think>\n收到，使用者需要的是試算贈與稅。可用函式只有 `gift_tax_calc` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`gift_amount` 就是本次贈與金額，這裡填 26460000。`donor_prior_gifts` 就是同年度先前已贈與金額，這裡填 2440000。`tax_year` 就是民國年度，這裡填 115。注意 `tax_year` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：115年度贈與稅免稅額為每一贈與人每年 244 萬元；級距 2,500 萬以下 10%、至 5,000 萬 15%、超過 20%。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"gift_tax_calc\", \"arguments\": {\"gift_amount\": 26460000, \"donor_prior_gifts\": 2440000, \"tax_year\": 115}}\n</tool_call>", "role": "assistant"}]}
{"id": 100435, "query": "What did the TAIEX index close at on 2026-05-12? Additionally, what is the property transaction income tax for a 8760000 TWD gain after 11 years of ownership?", "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\"}}}, {\"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']\"}}}]", "query_zhtw": "2026-05-12 的台股加權指數收在哪裡？我要 ['open', 'high', 'low', 'close', 'volume'] 這些欄位。另外，房地合一 2.0 試算：課稅所得 8760000 元、持有 11 年、自住優惠 False、境內居住者 True。", "think": "這個請求的重點在於查台灣股市指數的當日數據，可用函式只有 `market_index_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。問題其實包了兩個不同的需求；第二段要算賣房的房地合一稅，對應的是 `house_land_capital_gains_tax`。\n\n接著逐一對應參數：`index_name` 設為 \"TAIEX\"，也就是題目說的指數代碼。`date` 設為 \"2026-05-12\"，也就是題目說的查詢日期。`fields` 就是要回傳的欄位，這裡填 [\"open\", \"high\", \"low\", \"close\", \"volume\"]。\n\n`house_land_capital_gains_tax` 的參數這樣填：`gain` 就是課稅所得（獲利），這裡填 8760000。`holding_years` 設為 11，也就是題目說的持有年數。`self_use` 設為 false，也就是題目說的是否適用自住優惠。`resident` 就是是否為境內居住者，這裡填 true。注意 `gain` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：加權指數不含股利，報酬指數（TAIEX_TR）才是還原息值後的長期績效基準。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TAIEX\", \"date\": \"2026-05-12\", \"fields\": [\"open\", \"high\", \"low\", \"close\", \"volume\"]}}, {\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 8760000, \"holding_years\": 11, \"self_use\": false, \"resident\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "2026-05-12 的台股加權指數收在哪裡？我要 ['open', 'high', 'low', 'close', 'volume'] 這些欄位。另外，房地合一 2.0 試算：課稅所得 8760000 元、持有 11 年、自住優惠 False、境內居住者 True。", "role": "user"}, {"content": "<think>\n這個請求的重點在於查台灣股市指數的當日數據，可用函式只有 `market_index_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。問題其實包了兩個不同的需求；第二段要算賣房的房地合一稅，對應的是 `house_land_capital_gains_tax`。\n\n接著逐一對應參數：`index_name` 設為 \"TAIEX\"，也就是題目說的指數代碼。`date` 設為 \"2026-05-12\"，也就是題目說的查詢日期。`fields` 就是要回傳的欄位，這裡填 [\"open\", \"high\", \"low\", \"close\", \"volume\"]。\n\n`house_land_capital_gains_tax` 的參數這樣填：`gain` 就是課稅所得（獲利），這裡填 8760000。`holding_years` 設為 11，也就是題目說的持有年數。`self_use` 設為 false，也就是題目說的是否適用自住優惠。`resident` 就是是否為境內居住者，這裡填 true。注意 `gain` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：加權指數不含股利，報酬指數（TAIEX_TR）才是還原息值後的長期績效基準。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TAIEX\", \"date\": \"2026-05-12\", \"fields\": [\"open\", \"high\", \"low\", \"close\", \"volume\"]}}\n</tool_call>\n<tool_call>\n{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 8760000, \"holding_years\": 11, \"self_use\": false, \"resident\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100467, "query": "Define 'ESG 永續債券' for a professional reader.", "tools": "[{\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}]", "query_zhtw": "「ESG 永續債券」是什麼意思？請給台灣市場的實例。", "think": "先看清楚使用者要什麼。這題是要解釋一個金融名詞，可用函式只有 `financial_term_explain` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`term` 就是要解釋的金融名詞，這裡填 \"ESG 永續債券\"。`audience_level`（受眾程度）帶 \"professional\"。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"ESG 永續債券\", \"audience_level\": \"professional\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "「ESG 永續債券」是什麼意思？請給台灣市場的實例。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要解釋一個金融名詞，可用函式只有 `financial_term_explain` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`term` 就是要解釋的金融名詞，這裡填 \"ESG 永續債券\"。`audience_level`（受眾程度）帶 \"professional\"。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"ESG 永續債券\", \"audience_level\": \"professional\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100474, "query": "Price a bond with face value 10000000, coupon 1.487%, 20 years to maturity and a yield of 2.701%. Additionally, price a bond with face value 100000, coupon 1.996%, 20 years to maturity and a yield of 1.145%.", "tools": "[{\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}]", "query_zhtw": "面額 10000000 元、票面利率 1.487%、剩 20 年到期、殖利率 2.701%、年配，債券價格是多少？折價還是溢價？還有，面額 100000 元、票面利率 1.996%、剩 20 年到期、殖利率 1.145%、年配，債券價格是多少？折價還是溢價？", "think": "讓我理一下。需求是由殖利率反推債券價格，目前只有一個可用函式 `bond_price_from_ytm`，功能描述正好對應這個需求，所以直接用它。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n把題目資訊映射到函式參數：`face_value` 就是債券面額，這裡填 10000000。票面利率（%）對應到 `coupon_rate`，值是 1.487。`years_to_maturity` 就是剩餘到期年數，這裡填 20。`ytm` 設為 2.701，也就是題目說的到期殖利率（%）。每年付息次數對應到 `coupon_frequency`，值是 1。注意 `coupon_frequency` 的型別是 int，不要寫成字串。\n\n第二組條件則是：`face_value` 就是債券面額，這裡填 100000。`coupon_rate` 設為 1.996，也就是題目說的票面利率（%）。`years_to_maturity` 設為 20，也就是題目說的剩餘到期年數。`ytm`（到期殖利率（%））帶 1.145。`coupon_frequency` 就是每年付息次數，這裡填 1。\n\n另外要記住的規則：票面利率高於殖利率為溢價、低於為折價；台灣公司債多為半年付息一次。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 10000000, \"coupon_rate\": 1.487, \"years_to_maturity\": 20, \"ytm\": 2.701, \"coupon_frequency\": 1}}, {\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 100000, \"coupon_rate\": 1.996, \"years_to_maturity\": 20, \"ytm\": 1.145, \"coupon_frequency\": 1}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "面額 10000000 元、票面利率 1.487%、剩 20 年到期、殖利率 2.701%、年配，債券價格是多少？折價還是溢價？還有，面額 100000 元、票面利率 1.996%、剩 20 年到期、殖利率 1.145%、年配，債券價格是多少？折價還是溢價？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是由殖利率反推債券價格，目前只有一個可用函式 `bond_price_from_ytm`，功能描述正好對應這個需求，所以直接用它。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n把題目資訊映射到函式參數：`face_value` 就是債券面額，這裡填 10000000。票面利率（%）對應到 `coupon_rate`，值是 1.487。`years_to_maturity` 就是剩餘到期年數，這裡填 20。`ytm` 設為 2.701，也就是題目說的到期殖利率（%）。每年付息次數對應到 `coupon_frequency`，值是 1。注意 `coupon_frequency` 的型別是 int，不要寫成字串。\n\n第二組條件則是：`face_value` 就是債券面額，這裡填 100000。`coupon_rate` 設為 1.996，也就是題目說的票面利率（%）。`years_to_maturity` 設為 20，也就是題目說的剩餘到期年數。`ytm`（到期殖利率（%））帶 1.145。`coupon_frequency` 就是每年付息次數，這裡填 1。\n\n另外要記住的規則：票面利率高於殖利率為溢價、低於為折價；台灣公司債多為半年付息一次。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 10000000, \"coupon_rate\": 1.487, \"years_to_maturity\": 20, \"ytm\": 2.701, \"coupon_frequency\": 1}}\n</tool_call>\n<tool_call>\n{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 100000, \"coupon_rate\": 1.996, \"years_to_maturity\": 20, \"ytm\": 1.145, \"coupon_frequency\": 1}}\n</tool_call>", "role": "assistant"}]}
{"id": 100478, "query": "Assess DBR capacity for monthly income 240000, existing payments 5000, unsecured balance 950000, new loan 700000.", "tools": "[{\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "我月收入 240000 元、現有月付 5000、無擔保負債 950000，想再借 700000，DBR 會超標嗎？", "think": "好的，我來拆解這個需求。使用者想評估無擔保借款能力是否超過 DBR 上限，掃過 3 個工具後，`income_tax_estimate`、`house_land_capital_gains_tax` 明顯屬於其他業務範疇；`credit_capacity_dbr` 才是負責評估授信負債比的那一個，就用它。\n\n把題目資訊映射到函式參數：`monthly_income` 就是平均月收入，這裡填 240000。`existing_monthly_payment` 設為 5000，也就是題目說的既有每月還款額。無擔保負債餘額對應到 `unsecured_debt_balance`，值是 950000。`new_loan_amount`（擬申請的新貸款金額）帶 700000。注意 `new_loan_amount` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：金管會規範無擔保債務歸戶後總額不宜超過月收入 22 倍（DBR 22 倍原則）。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"credit_capacity_dbr\", \"arguments\": {\"monthly_income\": 240000, \"existing_monthly_payment\": 5000, \"unsecured_debt_balance\": 950000, \"new_loan_amount\": 700000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我月收入 240000 元、現有月付 5000、無擔保負債 950000，想再借 700000，DBR 會超標嗎？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想評估無擔保借款能力是否超過 DBR 上限，掃過 3 個工具後，`income_tax_estimate`、`house_land_capital_gains_tax` 明顯屬於其他業務範疇；`credit_capacity_dbr` 才是負責評估授信負債比的那一個，就用它。\n\n把題目資訊映射到函式參數：`monthly_income` 就是平均月收入，這裡填 240000。`existing_monthly_payment` 設為 5000，也就是題目說的既有每月還款額。無擔保負債餘額對應到 `unsecured_debt_balance`，值是 950000。`new_loan_amount`（擬申請的新貸款金額）帶 700000。注意 `new_loan_amount` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：金管會規範無擔保債務歸戶後總額不宜超過月收入 22 倍（DBR 22 倍原則）。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"credit_capacity_dbr\", \"arguments\": {\"monthly_income\": 240000, \"existing_monthly_payment\": 5000, \"unsecured_debt_balance\": 950000, \"new_loan_amount\": 700000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100501, "query": "How much will accumulate in my labor pension account over 16 years at wage 30300 with 0.06 voluntary contributions? Also, check unsecured borrowing capacity for this applicant profile.", "tools": "[{\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}, {\"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\"}}}, {\"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\"}}}, {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}]", "query_zhtw": "勞退新制試算：工資 30300、自提率 0.06、16 年、報酬率 0.05。同時，月入 22 萬要申請 1560000 元信貸，目前無擔保負債 1980000，過得了嗎？", "think": "使用者的問題是推估勞退新制個人專戶的累積金額。共有 4 個候選函式。`financial_term_explain`、`foreign_currency_deposit_return` 的功能與本題情境不符，正確的是 `labor_pension_fund_projection`，因為它就是用來推估勞退專戶餘額的。問題其實包了兩個不同的需求；第二段要評估無擔保借款能力是否超過 DBR 上限，對應的是 `credit_capacity_dbr`。\n\n然後把使用者給的條件填進參數：`monthly_wage` 就是月提繳工資，這裡填 30300。`self_contribution_rate`（勞工自願提繳率）帶 0.06。提繳年數對應到 `years`，值是 16。`annual_return` 設為 0.05，也就是題目說的假設年化報酬率。\n\n再看 `credit_capacity_dbr` 這一組：平均月收入對應到 `monthly_income`，值是 220000。`unsecured_debt_balance` 設為 1980000，也就是題目說的無擔保負債餘額。`new_loan_amount` 就是擬申請的新貸款金額，這裡填 1560000。\n\n另外要記住的規則：勞退新制雇主至少提繳 6%，勞工得自願提繳 0~6%，自提部分可自當年度個人綜合所得總額中全數扣除。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"labor_pension_fund_projection\", \"arguments\": {\"monthly_wage\": 30300, \"self_contribution_rate\": 0.06, \"years\": 16, \"annual_return\": 0.05}}, {\"name\": \"credit_capacity_dbr\", \"arguments\": {\"monthly_income\": 220000, \"unsecured_debt_balance\": 1980000, \"new_loan_amount\": 1560000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "勞退新制試算：工資 30300、自提率 0.06、16 年、報酬率 0.05。同時，月入 22 萬要申請 1560000 元信貸，目前無擔保負債 1980000，過得了嗎？", "role": "user"}, {"content": "<think>\n使用者的問題是推估勞退新制個人專戶的累積金額。共有 4 個候選函式。`financial_term_explain`、`foreign_currency_deposit_return` 的功能與本題情境不符，正確的是 `labor_pension_fund_projection`，因為它就是用來推估勞退專戶餘額的。問題其實包了兩個不同的需求；第二段要評估無擔保借款能力是否超過 DBR 上限，對應的是 `credit_capacity_dbr`。\n\n然後把使用者給的條件填進參數：`monthly_wage` 就是月提繳工資，這裡填 30300。`self_contribution_rate`（勞工自願提繳率）帶 0.06。提繳年數對應到 `years`，值是 16。`annual_return` 設為 0.05，也就是題目說的假設年化報酬率。\n\n再看 `credit_capacity_dbr` 這一組：平均月收入對應到 `monthly_income`，值是 220000。`unsecured_debt_balance` 設為 1980000，也就是題目說的無擔保負債餘額。`new_loan_amount` 就是擬申請的新貸款金額，這裡填 1560000。\n\n另外要記住的規則：勞退新制雇主至少提繳 6%，勞工得自願提繳 0~6%，自提部分可自當年度個人綜合所得總額中全數扣除。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"labor_pension_fund_projection\", \"arguments\": {\"monthly_wage\": 30300, \"self_contribution_rate\": 0.06, \"years\": 16, \"annual_return\": 0.05}}\n</tool_call>\n<tool_call>\n{\"name\": \"credit_capacity_dbr\", \"arguments\": {\"monthly_income\": 220000, \"unsecured_debt_balance\": 1980000, \"new_loan_amount\": 1560000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100510, "query": "Calculate the maturity interest of a 6-month deposit of 2360000 at 1.46%. In addition, how much more life cover do I need using the needs_based method?", "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\": \"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\"}}}, {\"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\"}}}]", "query_zhtw": "236 萬放 6 個月定存，機動利率 1.46%，單利存本取息，能拿多少利息？順便也幫我看：壽險保額試算：年收入 1140000、扶養年數 22、既有保額 8950000、負債 16450000、方法 needs_based。", "think": "先看清楚使用者要什麼。這題是要算定期存款的到期利息，先排除不相干的選項：`credit_card_revolving_interest` 是銀行存放款用的，都不符合。剩下 `time_deposit_interest` 才是處理計算定存利息的函式。問題其實包了兩個不同的需求；第二段要算壽險保額缺口，對應的是 `life_insurance_gap`。\n\n把題目資訊映射到函式參數：`principal` 設為 2360000，也就是題目說的存款本金。年利率（%）對應到 `annual_rate`，值是 1.46。`months` 就是存期月數，這裡填 6。`interest_type` 就是固定或機動利率，這裡填 \"floating\"。`compounding` 設為 \"simple\"，也就是題目說的計息方式。型別上 `months` 是 int，格式別弄錯。\n\n再看 `life_insurance_gap` 這一組：`annual_income`（被保險人年收入）帶 1140000。`dependent_years` 設為 22，也就是題目說的尚需扶養的年數。`existing_coverage` 設為 8950000，也就是題目說的既有壽險保額。未償負債對應到 `outstanding_liabilities`，值是 16450000。保額估算方法對應到 `method`，值是 \"needs_based\"。注意 `annual_income` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 2360000, \"annual_rate\": 1.46, \"months\": 6, \"interest_type\": \"floating\", \"compounding\": \"simple\"}}, {\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 1140000, \"dependent_years\": 22, \"existing_coverage\": 8950000, \"outstanding_liabilities\": 16450000, \"method\": \"needs_based\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "236 萬放 6 個月定存，機動利率 1.46%，單利存本取息，能拿多少利息？順便也幫我看：壽險保額試算：年收入 1140000、扶養年數 22、既有保額 8950000、負債 16450000、方法 needs_based。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要算定期存款的到期利息，先排除不相干的選項：`credit_card_revolving_interest` 是銀行存放款用的，都不符合。剩下 `time_deposit_interest` 才是處理計算定存利息的函式。問題其實包了兩個不同的需求；第二段要算壽險保額缺口，對應的是 `life_insurance_gap`。\n\n把題目資訊映射到函式參數：`principal` 設為 2360000，也就是題目說的存款本金。年利率（%）對應到 `annual_rate`，值是 1.46。`months` 就是存期月數，這裡填 6。`interest_type` 就是固定或機動利率，這裡填 \"floating\"。`compounding` 設為 \"simple\"，也就是題目說的計息方式。型別上 `months` 是 int，格式別弄錯。\n\n再看 `life_insurance_gap` 這一組：`annual_income`（被保險人年收入）帶 1140000。`dependent_years` 設為 22，也就是題目說的尚需扶養的年數。`existing_coverage` 設為 8950000，也就是題目說的既有壽險保額。未償負債對應到 `outstanding_liabilities`，值是 16450000。保額估算方法對應到 `method`，值是 \"needs_based\"。注意 `annual_income` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 2360000, \"annual_rate\": 1.46, \"months\": 6, \"interest_type\": \"floating\", \"compounding\": \"simple\"}}\n</tool_call>\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 1140000, \"dependent_years\": 22, \"existing_coverage\": 8950000, \"outstanding_liabilities\": 16450000, \"method\": \"needs_based\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100522, "query": "Compute the monthly payment and total interest for a 20030000 TWD mortgage at 2.22% over 30 years with a 0-year grace period. Additionally, mortgage math: 24240000 principal, 2.309 rate, 30 years, grace 1, method equal_principal.", "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\"}}}, {\"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\"}}}]", "query_zhtw": "我在第一銀行貸款 2003 萬、利率 2.22%、30 年期、無寬限期、本金平均攤還，每月要繳多少？總利息多少？順便也幫我看：2424 萬房貸 2.309% 分 30 年還，寬限期 1 年，總共要付多少利息？", "think": "收到，使用者需要的是試算房貸月付金與總利息。工具清單裡有 2 個函式，其中 `twse_quote_lookup` 分別處理台股交易，跟這題無關；只有 `mortgage_amortization` 的描述對應做房貸攤還試算，所以選它。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n參數的部分這樣對：`principal` 設為 20030000，也就是題目說的貸款本金。`annual_rate`（年利率（%））帶 2.22。`years` 就是貸款年限，這裡填 30。`grace_period_years` 設為 0，也就是題目說的寬限期年數。`method`（攤還方式）帶 \"equal_principal\"。注意 `grace_period_years` 的型別是 int，不要寫成字串。\n\n第二組條件則是：`principal` 就是貸款本金，這裡填 24240000。年利率（%）對應到 `annual_rate`，值是 2.309。貸款年限對應到 `years`，值是 30。寬限期年數對應到 `grace_period_years`，值是 1。`method` 設為 \"equal_principal\"，也就是題目說的攤還方式。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 20030000, \"annual_rate\": 2.22, \"years\": 30, \"grace_period_years\": 0, \"method\": \"equal_principal\"}}, {\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 24240000, \"annual_rate\": 2.309, \"years\": 30, \"grace_period_years\": 1, \"method\": \"equal_principal\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我在第一銀行貸款 2003 萬、利率 2.22%、30 年期、無寬限期、本金平均攤還，每月要繳多少？總利息多少？順便也幫我看：2424 萬房貸 2.309% 分 30 年還，寬限期 1 年，總共要付多少利息？", "role": "user"}, {"content": "<think>\n收到，使用者需要的是試算房貸月付金與總利息。工具清單裡有 2 個函式，其中 `twse_quote_lookup` 分別處理台股交易，跟這題無關；只有 `mortgage_amortization` 的描述對應做房貸攤還試算，所以選它。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n參數的部分這樣對：`principal` 設為 20030000，也就是題目說的貸款本金。`annual_rate`（年利率（%））帶 2.22。`years` 就是貸款年限，這裡填 30。`grace_period_years` 設為 0，也就是題目說的寬限期年數。`method`（攤還方式）帶 \"equal_principal\"。注意 `grace_period_years` 的型別是 int，不要寫成字串。\n\n第二組條件則是：`principal` 就是貸款本金，這裡填 24240000。年利率（%）對應到 `annual_rate`，值是 2.309。貸款年限對應到 `years`，值是 30。寬限期年數對應到 `grace_period_years`，值是 1。`method` 設為 \"equal_principal\"，也就是題目說的攤還方式。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 20030000, \"annual_rate\": 2.22, \"years\": 30, \"grace_period_years\": 0, \"method\": \"equal_principal\"}}\n</tool_call>\n<tool_call>\n{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 24240000, \"annual_rate\": 2.309, \"years\": 30, \"grace_period_years\": 1, \"method\": \"equal_principal\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100533, "query": "Retirement planning: age 45, retire 65, expense 40000, savings 1000000.", "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\"}}}, {\"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\"}}}, {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}]", "query_zhtw": "幫我做退休缺口分析，45 歲、預計 65 歲退休、活到 88 歲、通膨 0.02。", "think": "讓我理一下。需求是分析退休金缺口，共有 4 個候選函式。`labor_pension_fund_projection`、`etf_dividend_yield`、`emergency_fund_target` 的功能與本題情境不符，正確的是 `retirement_gap_analysis`，因為它就是用來做退休缺口分析的。\n\n把題目資訊映射到函式參數：`current_age` 就是目前年齡，這裡填 45。預計退休年齡對應到 `retirement_age`，值是 65。`monthly_expense_today` 設為 40000，也就是題目說的今日幣值的每月支出。現有退休準備金對應到 `current_savings`，值是 1000000。`inflation_rate`（假設通膨率）帶 0.02。`life_expectancy` 就是預期壽命，這裡填 88。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 45, \"retirement_age\": 65, \"monthly_expense_today\": 40000, \"current_savings\": 1000000, \"inflation_rate\": 0.02, \"life_expectancy\": 88}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我做退休缺口分析，45 歲、預計 65 歲退休、活到 88 歲、通膨 0.02。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是分析退休金缺口，共有 4 個候選函式。`labor_pension_fund_projection`、`etf_dividend_yield`、`emergency_fund_target` 的功能與本題情境不符，正確的是 `retirement_gap_analysis`，因為它就是用來做退休缺口分析的。\n\n把題目資訊映射到函式參數：`current_age` 就是目前年齡，這裡填 45。預計退休年齡對應到 `retirement_age`，值是 65。`monthly_expense_today` 設為 40000，也就是題目說的今日幣值的每月支出。現有退休準備金對應到 `current_savings`，值是 1000000。`inflation_rate`（假設通膨率）帶 0.02。`life_expectancy` 就是預期壽命，這裡填 88。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 45, \"retirement_age\": 65, \"monthly_expense_today\": 40000, \"current_savings\": 1000000, \"inflation_rate\": 0.02, \"life_expectancy\": 88}}\n</tool_call>", "role": "assistant"}]}
{"id": 100538, "query": "Should I file dividends of 300000 jointly or separately given other income 3590000?", "tools": "[{\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}, {\"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\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "幫我試算股利 300000、其餘所得 3590000、single 的合併 vs 分開計稅差額。", "think": "使用者的問題是比較股利合併計稅與分開計稅哪個省。先排除不相干的選項：`price_limit_range`、`labor_insurance_annuity`、`jcic_credit_report` 是信用與授信、勞健保與退休金、台股交易用的，都不符合。剩下 `dividend_tax_compare` 才是處理比較兩種股利課稅方式的函式。\n\n然後把使用者給的條件填進參數：`dividend_amount` 就是全年股利所得，這裡填 300000。`other_income` 就是股利以外的所得，這裡填 3590000。申報身分對應到 `filing_status`，值是 \"single\"。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 300000, \"other_income\": 3590000, \"filing_status\": \"single\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我試算股利 300000、其餘所得 3590000、single 的合併 vs 分開計稅差額。", "role": "user"}, {"content": "<think>\n使用者的問題是比較股利合併計稅與分開計稅哪個省。先排除不相干的選項：`price_limit_range`、`labor_insurance_annuity`、`jcic_credit_report` 是信用與授信、勞健保與退休金、台股交易用的，都不符合。剩下 `dividend_tax_compare` 才是處理比較兩種股利課稅方式的函式。\n\n然後把使用者給的條件填進參數：`dividend_amount` 就是全年股利所得，這裡填 300000。`other_income` 就是股利以外的所得，這裡填 3590000。申報身分對應到 `filing_status`，值是 \"single\"。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 300000, \"other_income\": 3590000, \"filing_status\": \"single\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100543, "query": "Compute the dividend yield of ETF 0050 priced at 158.14 with an annual distribution of 7.31.", "tools": "[{\"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\"}}}, {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "元大台灣50（0050）現價 158.14 元、年配息 7.31 元、季配，殖利率多少？", "think": "好的，我來拆解這個需求。使用者想算一檔 ETF 的現金殖利率，共有 4 個候選函式。`margin_trading_calc`、`regular_investment_projection`、`house_land_capital_gains_tax` 的功能與本題情境不符，正確的是 `etf_dividend_yield`，因為它就是用來計算 ETF 配息殖利率的。\n\n然後把使用者給的條件填進參數：`symbol`（ETF 代號）帶 \"0050\"。`price`（每單位市價）帶 158.14。`annual_dividend`（全年每單位配息）帶 7.31。`frequency`（配息頻率）帶 \"quarterly\"。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"0050\", \"price\": 158.14, \"annual_dividend\": 7.31, \"frequency\": \"quarterly\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "元大台灣50（0050）現價 158.14 元、年配息 7.31 元、季配，殖利率多少？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想算一檔 ETF 的現金殖利率，共有 4 個候選函式。`margin_trading_calc`、`regular_investment_projection`、`house_land_capital_gains_tax` 的功能與本題情境不符，正確的是 `etf_dividend_yield`，因為它就是用來計算 ETF 配息殖利率的。\n\n然後把使用者給的條件填進參數：`symbol`（ETF 代號）帶 \"0050\"。`price`（每單位市價）帶 158.14。`annual_dividend`（全年每單位配息）帶 7.31。`frequency`（配息頻率）帶 \"quarterly\"。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"0050\", \"price\": 158.14, \"annual_dividend\": 7.31, \"frequency\": \"quarterly\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100546, "query": "I need 30 practice questions for the 理財規劃人員 licence on 內部控制制度.", "tools": "[{\"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\"}}}, {\"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\"}}}, {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}]", "query_zhtw": "我要準備理財規劃人員測驗，請給我 內部控制制度 的 30 題歷屆試題（hard）。", "think": "先看清楚使用者要什麼。這題是要取得金融證照的歷屆試題，先排除不相干的選項：`taiwan_regulation_lookup`、`dividend_tax_compare` 是法令遵循、稅務試算用的，都不符合。剩下 `license_exam_question_bank` 才是處理調閱證照題庫的函式。\n\n然後把使用者給的條件填進參數：`license` 就是證照名稱，這裡填 \"理財規劃人員\"。`topic` 設為 \"內部控制制度\"，也就是題目說的科目主題。`count`（題數）帶 30。難度對應到 `difficulty`，值是 \"hard\"。型別上 `count` 是 int，格式別弄錯。\n\n另外要記住的規則：台灣金融證照題庫來源包含台灣金融研訓院、證基會與證券商同業公會公告之歷屆試題。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"理財規劃人員\", \"topic\": \"內部控制制度\", \"count\": 30, \"difficulty\": \"hard\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我要準備理財規劃人員測驗，請給我 內部控制制度 的 30 題歷屆試題（hard）。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要取得金融證照的歷屆試題，先排除不相干的選項：`taiwan_regulation_lookup`、`dividend_tax_compare` 是法令遵循、稅務試算用的，都不符合。剩下 `license_exam_question_bank` 才是處理調閱證照題庫的函式。\n\n然後把使用者給的條件填進參數：`license` 就是證照名稱，這裡填 \"理財規劃人員\"。`topic` 設為 \"內部控制制度\"，也就是題目說的科目主題。`count`（題數）帶 30。難度對應到 `difficulty`，值是 \"hard\"。型別上 `count` 是 int，格式別弄錯。\n\n另外要記住的規則：台灣金融證照題庫來源包含台灣金融研訓院、證基會與證券商同業公會公告之歷屆試題。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"理財規劃人員\", \"topic\": \"內部控制制度\", \"count\": 30, \"difficulty\": \"hard\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100556, "query": "How much supplementary health insurance premium on 1600000 of rent income?", "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\"}}}]", "query_zhtw": "請算二代健保補充保費，租金 1600000 元，月投保薪資 40100 元。", "think": "好的，我來拆解這個需求。使用者想算二代健保補充保費要扣多少，工具清單裡只提供了 `nhi_supplementary_premium`，其用途與此需求相符，選它沒有問題。\n\n把題目資訊映射到函式參數：`income_type` 就是所得類別，這裡填 \"rent\"。`amount` 就是單次給付金額，這裡填 1600000。`monthly_insured_salary` 就是月投保金額，這裡填 40100。型別上 `monthly_insured_salary` 是 int，格式別弄錯。\n\n另外要記住的規則：補充保費費率 2.11%，股利/利息/租金/執行業務/兼職薪資單次給付達 2 萬元起扣，單次上限 1,000 萬元。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"rent\", \"amount\": 1600000, \"monthly_insured_salary\": 40100}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請算二代健保補充保費，租金 1600000 元，月投保薪資 40100 元。", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想算二代健保補充保費要扣多少，工具清單裡只提供了 `nhi_supplementary_premium`，其用途與此需求相符，選它沒有問題。\n\n把題目資訊映射到函式參數：`income_type` 就是所得類別，這裡填 \"rent\"。`amount` 就是單次給付金額，這裡填 1600000。`monthly_insured_salary` 就是月投保金額，這裡填 40100。型別上 `monthly_insured_salary` 是 int，格式別弄錯。\n\n另外要記住的規則：補充保費費率 2.11%，股利/利息/租金/執行業務/兼職薪資單次給付達 2 萬元起扣，單次上限 1,000 萬元。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"rent\", \"amount\": 1600000, \"monthly_insured_salary\": 40100}}\n</tool_call>", "role": "assistant"}]}
{"id": 100566, "query": "Run a retirement gap analysis for a 49-year-old retiring at 62 with 100000 monthly expenses and 2230000 saved.", "tools": "[{\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}]", "query_zhtw": "我今年 49 歲，想 62 歲退休，現在每月開銷 100000 元，已存 2230000，假設報酬 4.0%、通膨 1.5%、活到 88 歲，退休金缺口多少？", "think": "好的，我來拆解這個需求。使用者想分析退休金缺口，工具清單裡只提供了 `retirement_gap_analysis`，其用途與此需求相符，選它沒有問題。\n\n接著逐一對應參數：`current_age` 就是目前年齡，這裡填 49。`retirement_age`（預計退休年齡）帶 62。今日幣值的每月支出對應到 `monthly_expense_today`，值是 100000。`current_savings` 就是現有退休準備金，這裡填 2230000。假設年化報酬率對應到 `annual_return`，值是 0.04。`inflation_rate`（假設通膨率）帶 0.015。`life_expectancy` 設為 88，也就是題目說的預期壽命。注意 `retirement_age` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 49, \"retirement_age\": 62, \"monthly_expense_today\": 100000, \"current_savings\": 2230000, \"annual_return\": 0.04, \"inflation_rate\": 0.015, \"life_expectancy\": 88}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我今年 49 歲，想 62 歲退休，現在每月開銷 100000 元，已存 2230000，假設報酬 4.0%、通膨 1.5%、活到 88 歲，退休金缺口多少？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想分析退休金缺口，工具清單裡只提供了 `retirement_gap_analysis`，其用途與此需求相符，選它沒有問題。\n\n接著逐一對應參數：`current_age` 就是目前年齡，這裡填 49。`retirement_age`（預計退休年齡）帶 62。今日幣值的每月支出對應到 `monthly_expense_today`，值是 100000。`current_savings` 就是現有退休準備金，這裡填 2230000。假設年化報酬率對應到 `annual_return`，值是 0.04。`inflation_rate`（假設通膨率）帶 0.015。`life_expectancy` 設為 88，也就是題目說的預期壽命。注意 `retirement_age` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 49, \"retirement_age\": 62, \"monthly_expense_today\": 100000, \"current_savings\": 2230000, \"annual_return\": 0.04, \"inflation_rate\": 0.015, \"life_expectancy\": 88}}\n</tool_call>", "role": "assistant"}]}
{"id": 100576, "query": "Get today's KRW to TWD spot_buy quote from 郵局(中華郵政). Additionally, retrieve the cash_buy board rate of JPY at 台灣銀行.", "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\"}}}, {\"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\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "幫我查一下 KRW 對台幣在郵局(中華郵政)的即期買入價格。另外，台灣銀行的日圓現金買入是多少？換算成 TWD。", "think": "好的，我來拆解這個需求。使用者想查銀行牌告匯率，先排除不相干的選項：`foreign_currency_deposit_return`、`taiwan_regulation_lookup`、`jcic_credit_report` 是信用與授信、外匯、法令遵循用的，都不符合。剩下 `fx_rate_lookup` 才是處理查詢外匯牌告匯率的函式。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n接下來確認每個參數要帶什麼：`base_currency`（外幣幣別）帶 \"KRW\"。計價幣別對應到 `quote_currency`，值是 \"TWD\"。`bank` 就是查詢的銀行，這裡填 \"郵局(中華郵政)\"。`rate_type` 設為 \"spot_buy\"，也就是題目說的牌告匯率種類。\n\n第二組條件則是：`base_currency` 設為 \"JPY\"，也就是題目說的外幣幣別。`quote_currency` 就是計價幣別，這裡填 \"TWD\"。`bank`（查詢的銀行）帶 \"台灣銀行\"。`rate_type` 就是牌告匯率種類，這裡填 \"cash_buy\"。\n\n另外要記住的規則：台灣銀行牌告分現金與即期，買入是銀行向客戶買外幣的價格，賣出是銀行賣給客戶的價格，客戶換匯永遠吃到較差的一邊。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"KRW\", \"quote_currency\": \"TWD\", \"bank\": \"郵局(中華郵政)\", \"rate_type\": \"spot_buy\"}}, {\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"JPY\", \"quote_currency\": \"TWD\", \"bank\": \"台灣銀行\", \"rate_type\": \"cash_buy\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我查一下 KRW 對台幣在郵局(中華郵政)的即期買入價格。另外，台灣銀行的日圓現金買入是多少？換算成 TWD。", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想查銀行牌告匯率，先排除不相干的選項：`foreign_currency_deposit_return`、`taiwan_regulation_lookup`、`jcic_credit_report` 是信用與授信、外匯、法令遵循用的，都不符合。剩下 `fx_rate_lookup` 才是處理查詢外匯牌告匯率的函式。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n接下來確認每個參數要帶什麼：`base_currency`（外幣幣別）帶 \"KRW\"。計價幣別對應到 `quote_currency`，值是 \"TWD\"。`bank` 就是查詢的銀行，這裡填 \"郵局(中華郵政)\"。`rate_type` 設為 \"spot_buy\"，也就是題目說的牌告匯率種類。\n\n第二組條件則是：`base_currency` 設為 \"JPY\"，也就是題目說的外幣幣別。`quote_currency` 就是計價幣別，這裡填 \"TWD\"。`bank`（查詢的銀行）帶 \"台灣銀行\"。`rate_type` 就是牌告匯率種類，這裡填 \"cash_buy\"。\n\n另外要記住的規則：台灣銀行牌告分現金與即期，買入是銀行向客戶買外幣的價格，賣出是銀行賣給客戶的價格，客戶換匯永遠吃到較差的一邊。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"KRW\", \"quote_currency\": \"TWD\", \"bank\": \"郵局(中華郵政)\", \"rate_type\": \"spot_buy\"}}\n</tool_call>\n<tool_call>\n{\"name\": \"fx_rate_lookup\", \"arguments\": {\"base_currency\": \"JPY\", \"quote_currency\": \"TWD\", \"bank\": \"台灣銀行\", \"rate_type\": \"cash_buy\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100578, "query": "How much does a 0.0068 TER cost me on 2570000 across 18 years?", "tools": "[{\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}, {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}, {\"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\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "query_zhtw": "請比較有無內扣費用的差異：本金 2570000、費用率 0.0068、年限 18、毛報酬 0.06。", "think": "讓我理一下。需求是量化基金內扣費用對長期報酬的侵蝕，掃過 4 個工具後，`regular_investment_projection`、`labor_insurance_annuity`、`price_limit_range` 明顯屬於其他業務範疇；`expense_ratio_drag` 才是負責評估內扣費用影響的那一個，就用它。\n\n然後把使用者給的條件填進參數：`principal` 設為 2570000，也就是題目說的投入本金。`expense_ratio` 就是總開銷（內扣）費用率，這裡填 0.0068。`years` 設為 18，也就是題目說的持有年數。`gross_annual_return` 就是扣費用前的年報酬率，這裡填 0.06。型別上 `expense_ratio` 是 float，格式別弄錯。\n\n另外要記住的規則：內扣費用直接反映在淨值，不會另外扣款，長期複利下侵蝕幅度遠大於單年費用率。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"expense_ratio_drag\", \"arguments\": {\"principal\": 2570000, \"expense_ratio\": 0.0068, \"years\": 18, \"gross_annual_return\": 0.06}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請比較有無內扣費用的差異：本金 2570000、費用率 0.0068、年限 18、毛報酬 0.06。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是量化基金內扣費用對長期報酬的侵蝕，掃過 4 個工具後，`regular_investment_projection`、`labor_insurance_annuity`、`price_limit_range` 明顯屬於其他業務範疇；`expense_ratio_drag` 才是負責評估內扣費用影響的那一個，就用它。\n\n然後把使用者給的條件填進參數：`principal` 設為 2570000，也就是題目說的投入本金。`expense_ratio` 就是總開銷（內扣）費用率，這裡填 0.0068。`years` 設為 18，也就是題目說的持有年數。`gross_annual_return` 就是扣費用前的年報酬率，這裡填 0.06。型別上 `expense_ratio` 是 float，格式別弄錯。\n\n另外要記住的規則：內扣費用直接反映在淨值，不會另外扣款，長期複利下侵蝕幅度遠大於單年費用率。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"expense_ratio_drag\", \"arguments\": {\"principal\": 2570000, \"expense_ratio\": 0.0068, \"years\": 18, \"gross_annual_return\": 0.06}}\n</tool_call>", "role": "assistant"}]}
{"id": 100579, "query": "What was the CBC accommodations_without_collateral rate on 2026-02-01?", "tools": "[{\"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\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "我想知道台灣央行在 2026-02-01 的 accommodations_without_collateral 政策利率。", "think": "使用者的問題是查中央銀行政策利率。掃過 4 個工具後，`stock_trade_cost`、`margin_trading_calc`、`etf_dividend_yield` 明顯屬於其他業務範疇；`cbc_policy_rate_lookup` 才是負責查詢央行政策利率的那一個，就用它。\n\n接下來確認每個參數要帶什麼：`rate_type` 設為 \"accommodations_without_collateral\"，也就是題目說的政策利率種類。`as_of_date` 就是基準日期，這裡填 \"2026-02-01\"。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_without_collateral\", \"as_of_date\": \"2026-02-01\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我想知道台灣央行在 2026-02-01 的 accommodations_without_collateral 政策利率。", "role": "user"}, {"content": "<think>\n使用者的問題是查中央銀行政策利率。掃過 4 個工具後，`stock_trade_cost`、`margin_trading_calc`、`etf_dividend_yield` 明顯屬於其他業務範疇；`cbc_policy_rate_lookup` 才是負責查詢央行政策利率的那一個，就用它。\n\n接下來確認每個參數要帶什麼：`rate_type` 設為 \"accommodations_without_collateral\"，也就是題目說的政策利率種類。`as_of_date` 就是基準日期，這裡填 \"2026-02-01\"。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_without_collateral\", \"as_of_date\": \"2026-02-01\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100606, "query": "Determine the CDIC-insured portion of 850000 TWD plus 360000 in foreign currency at 華南銀行.", "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\"}}}, {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}, {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}]", "query_zhtw": "我在華南銀行有台幣 85 萬、外幣折台幣 36 萬，存款保險能保障多少？超額多少？", "think": "讓我理一下。需求是確認存款受存款保險保障的額度，掃過 3 個工具後，`license_exam_question_bank`、`credit_capacity_dbr` 明顯屬於其他業務範疇；`deposit_insurance_coverage` 才是負責查核存款保險保障額度的那一個，就用它。\n\n然後把使用者給的條件填進參數：`bank` 就是要保機構名稱，這裡填 \"華南銀行\"。台幣存款餘額對應到 `ntd_deposit`，值是 850000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 360000。`fx_deposit_twd_equiv` 要用 int 型別傳入。\n\n另外要記住的規則：不同金融機構分別計算，因此分散存放可提高受保額度。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"華南銀行\", \"ntd_deposit\": 850000, \"fx_deposit_twd_equiv\": 360000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我在華南銀行有台幣 85 萬、外幣折台幣 36 萬，存款保險能保障多少？超額多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是確認存款受存款保險保障的額度，掃過 3 個工具後，`license_exam_question_bank`、`credit_capacity_dbr` 明顯屬於其他業務範疇；`deposit_insurance_coverage` 才是負責查核存款保險保障額度的那一個，就用它。\n\n然後把使用者給的條件填進參數：`bank` 就是要保機構名稱，這裡填 \"華南銀行\"。台幣存款餘額對應到 `ntd_deposit`，值是 850000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 360000。`fx_deposit_twd_equiv` 要用 int 型別傳入。\n\n另外要記住的規則：不同金融機構分別計算，因此分散存放可提高受保額度。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"華南銀行\", \"ntd_deposit\": 850000, \"fx_deposit_twd_equiv\": 360000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100614, "query": "Is the 2.11% supplementary premium withheld on a 260000 TWD part_time_salary payment?", "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\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "補充保費試算：所得類別 part_time_salary、金額 260000 元、投保薪資 60800。", "think": "讓我理一下。需求是算二代健保補充保費要扣多少，先排除不相干的選項：`gift_tax_calc`、`credit_card_revolving_interest` 是稅務試算、銀行存放款用的，都不符合。剩下 `nhi_supplementary_premium` 才是處理計算補充保費的函式。\n\n接著逐一對應參數：`income_type`（所得類別）帶 \"part_time_salary\"。單次給付金額對應到 `amount`，值是 260000。`monthly_insured_salary` 設為 60800，也就是題目說的月投保金額。型別上 `amount` 是 int，格式別弄錯。\n\n另外要記住的規則：補充保費費率 2.11%，股利/利息/租金/執行業務/兼職薪資單次給付達 2 萬元起扣，單次上限 1,000 萬元。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"part_time_salary\", \"amount\": 260000, \"monthly_insured_salary\": 60800}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "補充保費試算：所得類別 part_time_salary、金額 260000 元、投保薪資 60800。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是算二代健保補充保費要扣多少，先排除不相干的選項：`gift_tax_calc`、`credit_card_revolving_interest` 是稅務試算、銀行存放款用的，都不符合。剩下 `nhi_supplementary_premium` 才是處理計算補充保費的函式。\n\n接著逐一對應參數：`income_type`（所得類別）帶 \"part_time_salary\"。單次給付金額對應到 `amount`，值是 260000。`monthly_insured_salary` 設為 60800，也就是題目說的月投保金額。型別上 `amount` 是 int，格式別弄錯。\n\n另外要記住的規則：補充保費費率 2.11%，股利/利息/租金/執行業務/兼職薪資單次給付達 2 萬元起扣，單次上限 1,000 萬元。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"part_time_salary\", \"amount\": 260000, \"monthly_insured_salary\": 60800}}\n</tool_call>", "role": "assistant"}]}
{"id": 100615, "query": "Calculate the 0.1 daily band around a previous close of 253.78, tick rounding True.", "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\": \"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\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}, {\"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\"}}}]", "query_zhtw": "2317 昨日收盤價 253.78 元，幫我算今日 ±0.1 的價格上下限。", "think": "這個請求的重點在於算出今日的漲停與跌停價，共有 4 個候選函式。`credit_card_revolving_interest`、`jcic_credit_report`、`life_insurance_gap` 的功能與本題情境不符，正確的是 `price_limit_range`，因為它就是用來計算漲跌幅限制區間的。\n\n參數的部分這樣對：`prev_close` 設為 253.78，也就是題目說的前一日收盤價。漲跌幅限制對應到 `limit_pct`，值是 0.1。`tick_rounding`（是否依檔位進位）帶 true。型別上 `limit_pct` 是 float，格式別弄錯。\n\n另外要記住的規則：台股普通股漲跌幅為前一日收盤價 ±10%，並依股價區間的最小升降單位進位。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"price_limit_range\", \"arguments\": {\"prev_close\": 253.78, \"limit_pct\": 0.1, \"tick_rounding\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "2317 昨日收盤價 253.78 元，幫我算今日 ±0.1 的價格上下限。", "role": "user"}, {"content": "<think>\n這個請求的重點在於算出今日的漲停與跌停價，共有 4 個候選函式。`credit_card_revolving_interest`、`jcic_credit_report`、`life_insurance_gap` 的功能與本題情境不符，正確的是 `price_limit_range`，因為它就是用來計算漲跌幅限制區間的。\n\n參數的部分這樣對：`prev_close` 設為 253.78，也就是題目說的前一日收盤價。漲跌幅限制對應到 `limit_pct`，值是 0.1。`tick_rounding`（是否依檔位進位）帶 true。型別上 `limit_pct` 是 float，格式別弄錯。\n\n另外要記住的規則：台股普通股漲跌幅為前一日收盤價 ±10%，並依股價區間的最小升降單位進位。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"price_limit_range\", \"arguments\": {\"prev_close\": 253.78, \"limit_pct\": 0.1, \"tick_rounding\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100628, "query": "Give me a tax estimate for income 2840000 in ROC year 115 filing as single.", "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\"}}}]", "query_zhtw": "請估算 115 年度綜合所得稅，收入 2840000 元，單身，1 名受扶養人，列舉扣除額。", "think": "先看清楚使用者要什麼。這題是要試算個人綜合所得稅，目前只有一個可用函式 `income_tax_estimate`，功能描述正好對應這個需求，所以直接用它。\n\n然後把使用者給的條件填進參數：`annual_income` 就是全年所得總額，這裡填 2840000。`filing_status` 就是申報身分，這裡填 \"single\"。扶養親屬人數對應到 `dependents`，值是 1。`deduction_type` 就是扣除額方式，這裡填 \"itemized\"。`tax_year`（民國年度）帶 115。型別上 `tax_year` 是 int，格式別弄錯。\n\n另外要記住的規則：稅率級距 5%/12%/20%/30%/40%，採累進差額法計算。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 2840000, \"filing_status\": \"single\", \"dependents\": 1, \"deduction_type\": \"itemized\", \"tax_year\": 115}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請估算 115 年度綜合所得稅，收入 2840000 元，單身，1 名受扶養人，列舉扣除額。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要試算個人綜合所得稅，目前只有一個可用函式 `income_tax_estimate`，功能描述正好對應這個需求，所以直接用它。\n\n然後把使用者給的條件填進參數：`annual_income` 就是全年所得總額，這裡填 2840000。`filing_status` 就是申報身分，這裡填 \"single\"。扶養親屬人數對應到 `dependents`，值是 1。`deduction_type` 就是扣除額方式，這裡填 \"itemized\"。`tax_year`（民國年度）帶 115。型別上 `tax_year` 是 int，格式別弄錯。\n\n另外要記住的規則：稅率級距 5%/12%/20%/30%/40%，採累進差額法計算。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 2840000, \"filing_status\": \"single\", \"dependents\": 1, \"deduction_type\": \"itemized\", \"tax_year\": 115}}\n</tool_call>", "role": "assistant"}]}
{"id": 100651, "query": "Compute insurance shortfall given income 1700000 and debts 18080000.", "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\"}}}]", "query_zhtw": "請幫我看壽險買夠了沒，年薪 1700000、負債 18080000、目前保額 12690000。", "think": "先看清楚使用者要什麼。這題是要算壽險保額缺口，可用函式只有 `life_insurance_gap` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接著逐一對應參數：被保險人年收入對應到 `annual_income`，值是 1700000。`existing_coverage`（既有壽險保額）帶 12690000。`outstanding_liabilities` 設為 18080000，也就是題目說的未償負債。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 1700000, \"existing_coverage\": 12690000, \"outstanding_liabilities\": 18080000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請幫我看壽險買夠了沒，年薪 1700000、負債 18080000、目前保額 12690000。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要算壽險保額缺口，可用函式只有 `life_insurance_gap` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接著逐一對應參數：被保險人年收入對應到 `annual_income`，值是 1700000。`existing_coverage`（既有壽險保額）帶 12690000。`outstanding_liabilities` 設為 18080000，也就是題目說的未償負債。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 1700000, \"existing_coverage\": 12690000, \"outstanding_liabilities\": 18080000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100664, "query": "Calculate the maturity interest of a 12-month deposit of 4960000 at 1.431%.", "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\"}}}]", "query_zhtw": "496 萬放 12 個月定存，固定利率 1.431%，整存整付按月複利，能拿多少利息？", "think": "好的，我來拆解這個需求。使用者想算定期存款的到期利息，可用函式只有 `time_deposit_interest` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接著逐一對應參數：`principal` 就是存款本金，這裡填 4960000。`annual_rate` 就是年利率（%），這裡填 1.431。存期月數對應到 `months`，值是 12。固定或機動利率對應到 `interest_type`，值是 \"fixed\"。`compounding`（計息方式）帶 \"monthly_compound\"。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 4960000, \"annual_rate\": 1.431, \"months\": 12, \"interest_type\": \"fixed\", \"compounding\": \"monthly_compound\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "496 萬放 12 個月定存，固定利率 1.431%，整存整付按月複利，能拿多少利息？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想算定期存款的到期利息，可用函式只有 `time_deposit_interest` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接著逐一對應參數：`principal` 就是存款本金，這裡填 4960000。`annual_rate` 就是年利率（%），這裡填 1.431。存期月數對應到 `months`，值是 12。固定或機動利率對應到 `interest_type`，值是 \"fixed\"。`compounding`（計息方式）帶 \"monthly_compound\"。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 4960000, \"annual_rate\": 1.431, \"months\": 12, \"interest_type\": \"fixed\", \"compounding\": \"monthly_compound\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100667, "query": "What is the property transaction income tax for a 3260000 TWD gain after 15 years of ownership? Additionally, what due diligence level applies to this corporate client from KH with PEP status False?", "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\": \"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\"}}}, {\"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\"}}}]", "query_zhtw": "房地合一 2.0 試算：課稅所得 3260000 元、持有 15 年、自住優惠 False、境內居住者 True。順便也幫我看：請做客戶風險評級：類型 corporate、職業 護理師、國籍 KH、PEP False、月交易量 7290000。", "think": "先看清楚使用者要什麼。這題是要算賣房的房地合一稅，掃過 3 個工具後，`income_tax_estimate` 明顯屬於其他業務範疇；`house_land_capital_gains_tax` 才是負責計算房地合一所得稅的那一個，就用它。問題其實包了兩個不同的需求；第二段要評定客戶的 KYC 風險等級，對應的是 `kyc_risk_rating`。\n\n接著逐一對應參數：課稅所得（獲利）對應到 `gain`，值是 3260000。`holding_years`（持有年數）帶 15。`self_use` 設為 false，也就是題目說的是否適用自住優惠。`resident` 設為 true，也就是題目說的是否為境內居住者。\n\n至於 `kyc_risk_rating`，參數對應如下：`customer_type` 設為 \"corporate\"，也就是題目說的客戶類型。`occupation`（職業或營業性質）帶 \"護理師\"。國籍或註冊地對應到 `nationality`，值是 \"KH\"。是否為重要政治性職務人士對應到 `is_pep`，值是 false。`expected_monthly_volume` 設為 7290000，也就是題目說的預估月交易量。\n\n另外要記住的規則：房地合一 2.0 境內個人：持有 2 年內 45%、逾 2 未逾 5 年 35%、逾 5 未逾 10 年 20%、逾 10 年 15%。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 3260000, \"holding_years\": 15, \"self_use\": false, \"resident\": true}}, {\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"corporate\", \"occupation\": \"護理師\", \"nationality\": \"KH\", \"is_pep\": false, \"expected_monthly_volume\": 7290000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "房地合一 2.0 試算：課稅所得 3260000 元、持有 15 年、自住優惠 False、境內居住者 True。順便也幫我看：請做客戶風險評級：類型 corporate、職業 護理師、國籍 KH、PEP False、月交易量 7290000。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要算賣房的房地合一稅，掃過 3 個工具後，`income_tax_estimate` 明顯屬於其他業務範疇；`house_land_capital_gains_tax` 才是負責計算房地合一所得稅的那一個，就用它。問題其實包了兩個不同的需求；第二段要評定客戶的 KYC 風險等級，對應的是 `kyc_risk_rating`。\n\n接著逐一對應參數：課稅所得（獲利）對應到 `gain`，值是 3260000。`holding_years`（持有年數）帶 15。`self_use` 設為 false，也就是題目說的是否適用自住優惠。`resident` 設為 true，也就是題目說的是否為境內居住者。\n\n至於 `kyc_risk_rating`，參數對應如下：`customer_type` 設為 \"corporate\"，也就是題目說的客戶類型。`occupation`（職業或營業性質）帶 \"護理師\"。國籍或註冊地對應到 `nationality`，值是 \"KH\"。是否為重要政治性職務人士對應到 `is_pep`，值是 false。`expected_monthly_volume` 設為 7290000，也就是題目說的預估月交易量。\n\n另外要記住的規則：房地合一 2.0 境內個人：持有 2 年內 45%、逾 2 未逾 5 年 35%、逾 5 未逾 10 年 20%、逾 10 年 15%。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 3260000, \"holding_years\": 15, \"self_use\": false, \"resident\": true}}\n</tool_call>\n<tool_call>\n{\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"corporate\", \"occupation\": \"護理師\", \"nationality\": \"KH\", \"is_pep\": false, \"expected_monthly_volume\": 7290000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100688, "query": "What does '殖利率曲線倒掛' mean? Target audience: beginner.", "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\"}}}, {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}, {\"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\"}}}]", "query_zhtw": "什麼是殖利率曲線倒掛？我是完全新手，麻煩用繁體中文說明。", "think": "這個請求的重點在於解釋一個金融名詞，共有 3 個候選函式。`life_insurance_gap`、`securities_transaction_tax` 的功能與本題情境不符，正確的是 `financial_term_explain`，因為它就是用來解釋金融名詞的。\n\n接著逐一對應參數：要解釋的金融名詞對應到 `term`，值是 \"殖利率曲線倒掛\"。`audience_level` 設為 \"beginner\"，也就是題目說的受眾程度。`language` 設為 \"zh-TW\"，也就是題目說的輸出語言。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"殖利率曲線倒掛\", \"audience_level\": \"beginner\", \"language\": \"zh-TW\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "什麼是殖利率曲線倒掛？我是完全新手，麻煩用繁體中文說明。", "role": "user"}, {"content": "<think>\n這個請求的重點在於解釋一個金融名詞，共有 3 個候選函式。`life_insurance_gap`、`securities_transaction_tax` 的功能與本題情境不符，正確的是 `financial_term_explain`，因為它就是用來解釋金融名詞的。\n\n接著逐一對應參數：要解釋的金融名詞對應到 `term`，值是 \"殖利率曲線倒掛\"。`audience_level` 設為 \"beginner\"，也就是題目說的受眾程度。`language` 設為 \"zh-TW\"，也就是題目說的輸出語言。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"殖利率曲線倒掛\", \"audience_level\": \"beginner\", \"language\": \"zh-TW\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100697, "query": "Retrieve the text of Article 24 of Taiwan's 信託業法.", "tools": "[{\"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\"}}}]", "query_zhtw": "請幫我查信託業法第 24 條的條文內容，含修正沿革。", "think": "使用者的問題是調閱某條金融法規的條文。可用函式只有 `taiwan_regulation_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`law_name` 就是法規名稱，這裡填 \"信託業法\"。`article`（條號）帶 24。是否包含修正沿革對應到 `include_amendments`，值是 true。型別上 `include_amendments` 是 bool，格式別弄錯。\n\n另外要記住的規則：應以全國法規資料庫最新版本為準，並註明最近修正日期。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"taiwan_regulation_lookup\", \"arguments\": {\"law_name\": \"信託業法\", \"article\": 24, \"include_amendments\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請幫我查信託業法第 24 條的條文內容，含修正沿革。", "role": "user"}, {"content": "<think>\n使用者的問題是調閱某條金融法規的條文。可用函式只有 `taiwan_regulation_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`law_name` 就是法規名稱，這裡填 \"信託業法\"。`article`（條號）帶 24。是否包含修正沿革對應到 `include_amendments`，值是 true。型別上 `include_amendments` 是 bool，格式別弄錯。\n\n另外要記住的規則：應以全國法規資料庫最新版本為準，並註明最近修正日期。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"taiwan_regulation_lookup\", \"arguments\": {\"law_name\": \"信託業法\", \"article\": 24, \"include_amendments\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100699, "query": "If I buy 3000 shares at NT$359.8 on 0.6 margin, how much cash do I need and where is the 1.3 maintenance call? Also, margin trading math for 2454: price 417.0, shares 4000, ratio 0.4, maintenance 1.3. Also, calculate the loan amount and forced-liquidation price for a 0.4 margin purchase of 2000 shares of 2382 at 191.1.", "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\": \"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\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "融資成數 0.6，買進 3000 股 2882、每股 359.8 元，請算融資金額與斷頭價（維持率 1.3）。同時，2454 現價 417.0，我要融資 4000 股、成數 0.4，自備款和追繳價各是多少？順便也幫我看：以 191.1 元融資買 2 張 廣達，成數 40%，整戶維持率跌到 1.3 會被追繳，幫我試算。", "think": "先看清楚使用者要什麼。這題是要算融資買進的自備款與追繳價，共有 4 個候選函式。`stock_trade_cost`、`time_deposit_interest`、`labor_insurance_annuity` 的功能與本題情境不符，正確的是 `margin_trading_calc`，因為它就是用來處理融資融券試算的。因為要對照 3 種情況，我會產生 3 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n接著逐一對應參數：`price` 設為 359.8，也就是題目說的每股買進價。`shares` 就是融資股數，這裡填 3000。融資成數對應到 `financing_ratio`，值是 0.6。`maintenance_threshold` 就是追繳維持率，這裡填 1.3。\n\n第二組條件則是：`price` 設為 417.0，也就是題目說的每股買進價。融資股數對應到 `shares`，值是 4000。融資成數對應到 `financing_ratio`，值是 0.4。`maintenance_threshold` 就是追繳維持率，這裡填 1.3。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 359.8, \"shares\": 3000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}, {\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 417.0, \"shares\": 4000, \"financing_ratio\": 0.4, \"maintenance_threshold\": 1.3}}, {\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 191.1, \"shares\": 2000, \"financing_ratio\": 0.4, \"maintenance_threshold\": 1.3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "融資成數 0.6，買進 3000 股 2882、每股 359.8 元，請算融資金額與斷頭價（維持率 1.3）。同時，2454 現價 417.0，我要融資 4000 股、成數 0.4，自備款和追繳價各是多少？順便也幫我看：以 191.1 元融資買 2 張 廣達，成數 40%，整戶維持率跌到 1.3 會被追繳，幫我試算。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要算融資買進的自備款與追繳價，共有 4 個候選函式。`stock_trade_cost`、`time_deposit_interest`、`labor_insurance_annuity` 的功能與本題情境不符，正確的是 `margin_trading_calc`，因為它就是用來處理融資融券試算的。因為要對照 3 種情況，我會產生 3 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n接著逐一對應參數：`price` 設為 359.8，也就是題目說的每股買進價。`shares` 就是融資股數，這裡填 3000。融資成數對應到 `financing_ratio`，值是 0.6。`maintenance_threshold` 就是追繳維持率，這裡填 1.3。\n\n第二組條件則是：`price` 設為 417.0，也就是題目說的每股買進價。融資股數對應到 `shares`，值是 4000。融資成數對應到 `financing_ratio`，值是 0.4。`maintenance_threshold` 就是追繳維持率，這裡填 1.3。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 359.8, \"shares\": 3000, \"financing_ratio\": 0.6, \"maintenance_threshold\": 1.3}}\n</tool_call>\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 417.0, \"shares\": 4000, \"financing_ratio\": 0.4, \"maintenance_threshold\": 1.3}}\n</tool_call>\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 191.1, \"shares\": 2000, \"financing_ratio\": 0.4, \"maintenance_threshold\": 1.3}}\n</tool_call>", "role": "assistant"}]}
{"id": 100700, "query": "Calculate the gift tax liability for 39480000 after the annual exemption.", "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\": \"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\": \"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\"}}}, {\"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\"}}}]", "query_zhtw": "父母要給小孩 3948 萬買房頭期款，本年度先前贈與 1000000，稅額多少？", "think": "這個請求的重點在於試算贈與稅，共有 4 個候選函式。`estate_tax_calc`、`market_index_lookup`、`stock_trade_cost` 的功能與本題情境不符，正確的是 `gift_tax_calc`，因為它就是用來計算贈與稅的。\n\n參數的部分這樣對：`gift_amount` 就是本次贈與金額，這裡填 39480000。`donor_prior_gifts` 設為 1000000，也就是題目說的同年度先前已贈與金額。\n\n另外要記住的規則：115年度贈與稅免稅額為每一贈與人每年 244 萬元；級距 2,500 萬以下 10%、至 5,000 萬 15%、超過 20%。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"gift_tax_calc\", \"arguments\": {\"gift_amount\": 39480000, \"donor_prior_gifts\": 1000000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "父母要給小孩 3948 萬買房頭期款，本年度先前贈與 1000000，稅額多少？", "role": "user"}, {"content": "<think>\n這個請求的重點在於試算贈與稅，共有 4 個候選函式。`estate_tax_calc`、`market_index_lookup`、`stock_trade_cost` 的功能與本題情境不符，正確的是 `gift_tax_calc`，因為它就是用來計算贈與稅的。\n\n參數的部分這樣對：`gift_amount` 就是本次贈與金額，這裡填 39480000。`donor_prior_gifts` 設為 1000000，也就是題目說的同年度先前已贈與金額。\n\n另外要記住的規則：115年度贈與稅免稅額為每一贈與人每年 244 萬元；級距 2,500 萬以下 10%、至 5,000 萬 15%、超過 20%。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"gift_tax_calc\", \"arguments\": {\"gift_amount\": 39480000, \"donor_prior_gifts\": 1000000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100703, "query": "Compute required retirement corpus and monthly savings for this profile.", "tools": "[{\"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\"}}}, {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "我 42 歲、65 歲退休（還有 23 年），每月要花 12 萬（今日幣值），手上 1920000 元，報酬抓 0.06、通膨 0.02、活到 85 歲，請算缺口與每月該存多少。", "think": "好的，我來拆解這個需求。使用者想分析退休金缺口，共有 4 個候選函式。`dividend_tax_compare`、`deposit_insurance_coverage`、`income_tax_estimate` 的功能與本題情境不符，正確的是 `retirement_gap_analysis`，因為它就是用來做退休缺口分析的。\n\n參數的部分這樣對：`current_age`（目前年齡）帶 42。`retirement_age` 就是預計退休年齡，這裡填 65。`monthly_expense_today`（今日幣值的每月支出）帶 120000。現有退休準備金對應到 `current_savings`，值是 1920000。`annual_return`（假設年化報酬率）帶 0.06。假設通膨率對應到 `inflation_rate`，值是 0.02。`life_expectancy` 就是預期壽命，這裡填 85。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 42, \"retirement_age\": 65, \"monthly_expense_today\": 120000, \"current_savings\": 1920000, \"annual_return\": 0.06, \"inflation_rate\": 0.02, \"life_expectancy\": 85}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我 42 歲、65 歲退休（還有 23 年），每月要花 12 萬（今日幣值），手上 1920000 元，報酬抓 0.06、通膨 0.02、活到 85 歲，請算缺口與每月該存多少。", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想分析退休金缺口，共有 4 個候選函式。`dividend_tax_compare`、`deposit_insurance_coverage`、`income_tax_estimate` 的功能與本題情境不符，正確的是 `retirement_gap_analysis`，因為它就是用來做退休缺口分析的。\n\n參數的部分這樣對：`current_age`（目前年齡）帶 42。`retirement_age` 就是預計退休年齡，這裡填 65。`monthly_expense_today`（今日幣值的每月支出）帶 120000。現有退休準備金對應到 `current_savings`，值是 1920000。`annual_return`（假設年化報酬率）帶 0.06。假設通膨率對應到 `inflation_rate`，值是 0.02。`life_expectancy` 就是預期壽命，這裡填 85。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 42, \"retirement_age\": 65, \"monthly_expense_today\": 120000, \"current_savings\": 1920000, \"annual_return\": 0.06, \"inflation_rate\": 0.02, \"life_expectancy\": 85}}\n</tool_call>", "role": "assistant"}]}
{"id": 100740, "query": "Estimate the life insurance gap for annual income 2450000, 13 dependant years, existing coverage 3090000, liabilities 18040000.", "tools": "[{\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}, {\"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\"}}}]", "query_zhtw": "我年收入 245 萬，小孩還要養 13 年，現有壽險 3090000，房貸等負債 18040000，用需求分析法算保額缺口。", "think": "收到，使用者需要的是算壽險保額缺口。掃過 2 個工具後，`credit_capacity_dbr` 明顯屬於其他業務範疇；`life_insurance_gap` 才是負責評估壽險保障缺口的那一個，就用它。\n\n接下來確認每個參數要帶什麼：`annual_income` 設為 2450000，也就是題目說的被保險人年收入。尚需扶養的年數對應到 `dependent_years`，值是 13。`existing_coverage` 就是既有壽險保額，這裡填 3090000。未償負債對應到 `outstanding_liabilities`，值是 18040000。`method` 設為 \"needs_based\"，也就是題目說的保額估算方法。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 2450000, \"dependent_years\": 13, \"existing_coverage\": 3090000, \"outstanding_liabilities\": 18040000, \"method\": \"needs_based\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我年收入 245 萬，小孩還要養 13 年，現有壽險 3090000，房貸等負債 18040000，用需求分析法算保額缺口。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算壽險保額缺口。掃過 2 個工具後，`credit_capacity_dbr` 明顯屬於其他業務範疇；`life_insurance_gap` 才是負責評估壽險保障缺口的那一個，就用它。\n\n接下來確認每個參數要帶什麼：`annual_income` 設為 2450000，也就是題目說的被保險人年收入。尚需扶養的年數對應到 `dependent_years`，值是 13。`existing_coverage` 就是既有壽險保額，這裡填 3090000。未償負債對應到 `outstanding_liabilities`，值是 18040000。`method` 設為 \"needs_based\"，也就是題目說的保額估算方法。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 2450000, \"dependent_years\": 13, \"existing_coverage\": 3090000, \"outstanding_liabilities\": 18040000, \"method\": \"needs_based\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100794, "query": "Look up 信託業法 article 22 in the national law database.", "tools": "[{\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}, {\"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\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "我要信託業法第 22 條的原文，include_amendments=True。", "think": "使用者的問題是調閱某條金融法規的條文。先排除不相干的選項：`emergency_fund_target`、`cbc_policy_rate_lookup`、`labor_pension_fund_projection` 是債券與利率、勞健保與退休金、財務規劃用的，都不符合。剩下 `taiwan_regulation_lookup` 才是處理查詢台灣法規條文的函式。\n\n接著逐一對應參數：`law_name`（法規名稱）帶 \"信託業法\"。`article`（條號）帶 22。`include_amendments`（是否包含修正沿革）帶 true。\n\n另外要記住的規則：應以全國法規資料庫最新版本為準，並註明最近修正日期。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"taiwan_regulation_lookup\", \"arguments\": {\"law_name\": \"信託業法\", \"article\": 22, \"include_amendments\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我要信託業法第 22 條的原文，include_amendments=True。", "role": "user"}, {"content": "<think>\n使用者的問題是調閱某條金融法規的條文。先排除不相干的選項：`emergency_fund_target`、`cbc_policy_rate_lookup`、`labor_pension_fund_projection` 是債券與利率、勞健保與退休金、財務規劃用的，都不符合。剩下 `taiwan_regulation_lookup` 才是處理查詢台灣法規條文的函式。\n\n接著逐一對應參數：`law_name`（法規名稱）帶 \"信託業法\"。`article`（條號）帶 22。`include_amendments`（是否包含修正沿革）帶 true。\n\n另外要記住的規則：應以全國法規資料庫最新版本為準，並註明最近修正日期。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"taiwan_regulation_lookup\", \"arguments\": {\"law_name\": \"信託業法\", \"article\": 22, \"include_amendments\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 100834, "query": "Compute the dividend yield of ETF 00919 priced at 196.84 with an annual distribution of 3.72.", "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\"}}}, {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}]", "query_zhtw": "群益台灣精選高息（00919）現價 196.84 元、年配息 3.72 元、月配，殖利率多少？", "think": "收到，使用者需要的是算一檔 ETF 的現金殖利率。掃過 2 個工具後，`regular_investment_projection` 明顯屬於其他業務範疇；`etf_dividend_yield` 才是負責計算 ETF 配息殖利率的那一個，就用它。\n\n然後把使用者給的條件填進參數：`symbol`（ETF 代號）帶 \"00919\"。每單位市價對應到 `price`，值是 196.84。`annual_dividend` 設為 3.72，也就是題目說的全年每單位配息。`frequency`（配息頻率）帶 \"monthly\"。`price` 要用 float 型別傳入。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00919\", \"price\": 196.84, \"annual_dividend\": 3.72, \"frequency\": \"monthly\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "群益台灣精選高息（00919）現價 196.84 元、年配息 3.72 元、月配，殖利率多少？", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算一檔 ETF 的現金殖利率。掃過 2 個工具後，`regular_investment_projection` 明顯屬於其他業務範疇；`etf_dividend_yield` 才是負責計算 ETF 配息殖利率的那一個，就用它。\n\n然後把使用者給的條件填進參數：`symbol`（ETF 代號）帶 \"00919\"。每單位市價對應到 `price`，值是 196.84。`annual_dividend` 設為 3.72，也就是題目說的全年每單位配息。`frequency`（配息頻率）帶 \"monthly\"。`price` 要用 float 型別傳入。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00919\", \"price\": 196.84, \"annual_dividend\": 3.72, \"frequency\": \"monthly\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100840, "query": "Should I file dividends of 2600000 jointly or separately given other income 1640000?", "tools": "[{\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}, {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "幫我試算股利 2600000、其餘所得 1640000、single 的合併 vs 分開計稅差額。", "think": "這個請求的重點在於比較股利合併計稅與分開計稅哪個省，先排除不相干的選項：`bond_price_from_ytm`、`emergency_fund_target`、`credit_card_revolving_interest` 是債券與利率、財務規劃、銀行存放款用的，都不符合。剩下 `dividend_tax_compare` 才是處理比較兩種股利課稅方式的函式。\n\n接下來確認每個參數要帶什麼：全年股利所得對應到 `dividend_amount`，值是 2600000。股利以外的所得對應到 `other_income`，值是 1640000。`filing_status` 設為 \"single\"，也就是題目說的申報身分。注意 `dividend_amount` 的型別是 int，不要寫成字串。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 2600000, \"other_income\": 1640000, \"filing_status\": \"single\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我試算股利 2600000、其餘所得 1640000、single 的合併 vs 分開計稅差額。", "role": "user"}, {"content": "<think>\n這個請求的重點在於比較股利合併計稅與分開計稅哪個省，先排除不相干的選項：`bond_price_from_ytm`、`emergency_fund_target`、`credit_card_revolving_interest` 是債券與利率、財務規劃、銀行存放款用的，都不符合。剩下 `dividend_tax_compare` 才是處理比較兩種股利課稅方式的函式。\n\n接下來確認每個參數要帶什麼：全年股利所得對應到 `dividend_amount`，值是 2600000。股利以外的所得對應到 `other_income`，值是 1640000。`filing_status` 設為 \"single\"，也就是題目說的申報身分。注意 `dividend_amount` 的型別是 int，不要寫成字串。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 2600000, \"other_income\": 1640000, \"filing_status\": \"single\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100841, "query": "Determine whether enhanced due diligence is required for this customer profile.", "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\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}, {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}, {\"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\"}}}]", "query_zhtw": "KYC 分級查詢：individual / 國小教師 / RU / PEP=False / 月量 7270000。", "think": "收到，使用者需要的是評定客戶的 KYC 風險等級。工具清單裡有 4 個函式，其中 `aml_transaction_screening`、`license_exam_question_bank`、`bond_price_from_ytm` 分別處理債券與利率、法令遵循、金融知識查詢，跟這題無關；只有 `kyc_risk_rating` 的描述對應做客戶風險分級，所以選它。\n\n然後把使用者給的條件填進參數：`customer_type`（客戶類型）帶 \"individual\"。`occupation` 設為 \"國小教師\"，也就是題目說的職業或營業性質。`nationality`（國籍或註冊地）帶 \"RU\"。`is_pep`（是否為重要政治性職務人士）帶 false。`expected_monthly_volume`（預估月交易量）帶 7270000。\n\n另外要記住的規則：PEP、高風險國家、現金密集行業或虛擬資產業者應列為高風險並執行加強審查。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"individual\", \"occupation\": \"國小教師\", \"nationality\": \"RU\", \"is_pep\": false, \"expected_monthly_volume\": 7270000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "KYC 分級查詢：individual / 國小教師 / RU / PEP=False / 月量 7270000。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是評定客戶的 KYC 風險等級。工具清單裡有 4 個函式，其中 `aml_transaction_screening`、`license_exam_question_bank`、`bond_price_from_ytm` 分別處理債券與利率、法令遵循、金融知識查詢，跟這題無關；只有 `kyc_risk_rating` 的描述對應做客戶風險分級，所以選它。\n\n然後把使用者給的條件填進參數：`customer_type`（客戶類型）帶 \"individual\"。`occupation` 設為 \"國小教師\"，也就是題目說的職業或營業性質。`nationality`（國籍或註冊地）帶 \"RU\"。`is_pep`（是否為重要政治性職務人士）帶 false。`expected_monthly_volume`（預估月交易量）帶 7270000。\n\n另外要記住的規則：PEP、高風險國家、現金密集行業或虛擬資產業者應列為高風險並執行加強審查。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"individual\", \"occupation\": \"國小教師\", \"nationality\": \"RU\", \"is_pep\": false, \"expected_monthly_volume\": 7270000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100844, "query": "Compute the projected retirement account value with contributions of 6% employer plus 0.06 employee on 63800.", "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\"}}}, {\"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\"}}}]", "query_zhtw": "請估算勞工退休金個人專戶：月提繳工資 63800、雇主 0.06、自提 0.06、29 年。", "think": "好的，我來拆解這個需求。使用者想推估勞退新制個人專戶的累積金額，先排除不相干的選項：`deposit_insurance_coverage`、`labor_insurance_annuity` 是勞健保與退休金、銀行存放款用的，都不符合。剩下 `labor_pension_fund_projection` 才是處理推估勞退專戶餘額的函式。\n\n接著逐一對應參數：`monthly_wage` 設為 63800，也就是題目說的月提繳工資。`employer_rate` 就是雇主提繳率，這裡填 0.06。`self_contribution_rate` 設為 0.06，也就是題目說的勞工自願提繳率。`years` 就是提繳年數，這裡填 29。注意 `self_contribution_rate` 的型別是 float，不要寫成字串。\n\n另外要記住的規則：勞退新制雇主至少提繳 6%，勞工得自願提繳 0~6%，自提部分可自當年度個人綜合所得總額中全數扣除。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"labor_pension_fund_projection\", \"arguments\": {\"monthly_wage\": 63800, \"employer_rate\": 0.06, \"self_contribution_rate\": 0.06, \"years\": 29}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請估算勞工退休金個人專戶：月提繳工資 63800、雇主 0.06、自提 0.06、29 年。", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想推估勞退新制個人專戶的累積金額，先排除不相干的選項：`deposit_insurance_coverage`、`labor_insurance_annuity` 是勞健保與退休金、銀行存放款用的，都不符合。剩下 `labor_pension_fund_projection` 才是處理推估勞退專戶餘額的函式。\n\n接著逐一對應參數：`monthly_wage` 設為 63800，也就是題目說的月提繳工資。`employer_rate` 就是雇主提繳率，這裡填 0.06。`self_contribution_rate` 設為 0.06，也就是題目說的勞工自願提繳率。`years` 就是提繳年數，這裡填 29。注意 `self_contribution_rate` 的型別是 float，不要寫成字串。\n\n另外要記住的規則：勞退新制雇主至少提繳 6%，勞工得自願提繳 0~6%，自提部分可自當年度個人綜合所得總額中全數扣除。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"labor_pension_fund_projection\", \"arguments\": {\"monthly_wage\": 63800, \"employer_rate\": 0.06, \"self_contribution_rate\": 0.06, \"years\": 29}}\n</tool_call>", "role": "assistant"}]}
{"id": 100848, "query": "Compute required retirement corpus and monthly savings for this profile.", "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\"}}}, {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}]", "query_zhtw": "我 42 歲、62 歲退休（還有 20 年），每月要花 7 萬（今日幣值），手上 6880000 元，報酬抓 0.04、通膨 0.02、活到 88 歲，請算缺口與每月該存多少。", "think": "先看清楚使用者要什麼。這題是要分析退休金缺口，共有 2 個候選函式。`life_insurance_gap` 的功能與本題情境不符，正確的是 `retirement_gap_analysis`，因為它就是用來做退休缺口分析的。\n\n接著逐一對應參數：`current_age` 就是目前年齡，這裡填 42。`retirement_age`（預計退休年齡）帶 62。今日幣值的每月支出對應到 `monthly_expense_today`，值是 70000。`current_savings` 就是現有退休準備金，這裡填 6880000。`annual_return` 就是假設年化報酬率，這裡填 0.04。`inflation_rate`（假設通膨率）帶 0.02。`life_expectancy`（預期壽命）帶 88。型別上 `inflation_rate` 是 float，格式別弄錯。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 42, \"retirement_age\": 62, \"monthly_expense_today\": 70000, \"current_savings\": 6880000, \"annual_return\": 0.04, \"inflation_rate\": 0.02, \"life_expectancy\": 88}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我 42 歲、62 歲退休（還有 20 年），每月要花 7 萬（今日幣值），手上 6880000 元，報酬抓 0.04、通膨 0.02、活到 88 歲，請算缺口與每月該存多少。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要分析退休金缺口，共有 2 個候選函式。`life_insurance_gap` 的功能與本題情境不符，正確的是 `retirement_gap_analysis`，因為它就是用來做退休缺口分析的。\n\n接著逐一對應參數：`current_age` 就是目前年齡，這裡填 42。`retirement_age`（預計退休年齡）帶 62。今日幣值的每月支出對應到 `monthly_expense_today`，值是 70000。`current_savings` 就是現有退休準備金，這裡填 6880000。`annual_return` 就是假設年化報酬率，這裡填 0.04。`inflation_rate`（假設通膨率）帶 0.02。`life_expectancy`（預期壽命）帶 88。型別上 `inflation_rate` 是 float，格式別弄錯。\n\n另外要記住的規則：退休金需求須以通膨調整後的實質支出計算，並考量勞保年金與勞退新制專戶的既有給付。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"retirement_gap_analysis\", \"arguments\": {\"current_age\": 42, \"retirement_age\": 62, \"monthly_expense_today\": 70000, \"current_savings\": 6880000, \"annual_return\": 0.04, \"inflation_rate\": 0.02, \"life_expectancy\": 88}}\n</tool_call>", "role": "assistant"}]}
{"id": 100865, "query": "Should I file dividends of 2940000 jointly or separately given other income 570000?", "tools": "[{\"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\"}}}]", "query_zhtw": "幫我試算股利 2940000、其餘所得 570000、married_joint 的合併 vs 分開計稅差額。", "think": "先看清楚使用者要什麼。這題是要比較股利合併計稅與分開計稅哪個省，可用函式只有 `dividend_tax_compare` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n把題目資訊映射到函式參數：`dividend_amount` 就是全年股利所得，這裡填 2940000。`other_income` 設為 570000，也就是題目說的股利以外的所得。`filing_status`（申報身分）帶 \"married_joint\"。\n\n另外要記住的規則：合併計稅可按股利 8.5% 抵減應納稅額，每申報戶上限 8 萬元；分開計稅為固定 28% 且不得抵減。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 2940000, \"other_income\": 570000, \"filing_status\": \"married_joint\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我試算股利 2940000、其餘所得 570000、married_joint 的合併 vs 分開計稅差額。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要比較股利合併計稅與分開計稅哪個省，可用函式只有 `dividend_tax_compare` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n把題目資訊映射到函式參數：`dividend_amount` 就是全年股利所得，這裡填 2940000。`other_income` 設為 570000，也就是題目說的股利以外的所得。`filing_status`（申報身分）帶 \"married_joint\"。\n\n另外要記住的規則：合併計稅可按股利 8.5% 抵減應納稅額，每申報戶上限 8 萬元；分開計稅為固定 28% 且不得抵減。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 2940000, \"other_income\": 570000, \"filing_status\": \"married_joint\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100866, "query": "Check deposit insurance coverage for balances of 8550000 and 60000 at 台新銀行.", "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\": \"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\"}}}]", "query_zhtw": "同一家台新銀行放 8550000 元台幣加 60000 元外幣，中央存保賠付上限是多少？", "think": "使用者的問題是確認存款受存款保險保障的額度。共有 2 個候選函式。`income_tax_estimate` 的功能與本題情境不符，正確的是 `deposit_insurance_coverage`，因為它就是用來查核存款保險保障額度的。\n\n接下來確認每個參數要帶什麼：`bank` 就是要保機構名稱，這裡填 \"台新銀行\"。`ntd_deposit`（台幣存款餘額）帶 8550000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 60000。型別上 `fx_deposit_twd_equiv` 是 int，格式別弄錯。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"台新銀行\", \"ntd_deposit\": 8550000, \"fx_deposit_twd_equiv\": 60000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "同一家台新銀行放 8550000 元台幣加 60000 元外幣，中央存保賠付上限是多少？", "role": "user"}, {"content": "<think>\n使用者的問題是確認存款受存款保險保障的額度。共有 2 個候選函式。`income_tax_estimate` 的功能與本題情境不符，正確的是 `deposit_insurance_coverage`，因為它就是用來查核存款保險保障額度的。\n\n接下來確認每個參數要帶什麼：`bank` 就是要保機構名稱，這裡填 \"台新銀行\"。`ntd_deposit`（台幣存款餘額）帶 8550000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 60000。型別上 `fx_deposit_twd_equiv` 是 int，格式別弄錯。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"台新銀行\", \"ntd_deposit\": 8550000, \"fx_deposit_twd_equiv\": 60000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100881, "query": "Request a JCIC credit report for self_inquiry with report type summary covering 3 months of inquiries.", "tools": "[{\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}, {\"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\": \"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\"}}}]", "query_zhtw": "我要因為本人查詢調聯徵報告，類型 summary，並看最近 3 個月的查詢紀錄。", "think": "使用者的問題是申請聯徵信用報告。先排除不相干的選項：`regular_investment_projection`、`taiwan_regulation_lookup` 是基金與 ETF、法令遵循用的，都不符合。剩下 `jcic_credit_report` 才是處理調閱聯徵信用報告的函式。\n\n參數的部分這樣對：`query_purpose` 就是查詢目的，這裡填 \"self_inquiry\"。`report_type` 設為 \"summary\"，也就是題目說的報告種類。`recent_inquiries_months` 設為 3，也就是題目說的被查詢紀錄回溯月數。\n\n另外要記住的規則：聯徵中心每年提供 3 次免費查詢；短期內被銀行查詢次數過多會影響核貸與利率。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"jcic_credit_report\", \"arguments\": {\"query_purpose\": \"self_inquiry\", \"report_type\": \"summary\", \"recent_inquiries_months\": 3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我要因為本人查詢調聯徵報告，類型 summary，並看最近 3 個月的查詢紀錄。", "role": "user"}, {"content": "<think>\n使用者的問題是申請聯徵信用報告。先排除不相干的選項：`regular_investment_projection`、`taiwan_regulation_lookup` 是基金與 ETF、法令遵循用的，都不符合。剩下 `jcic_credit_report` 才是處理調閱聯徵信用報告的函式。\n\n參數的部分這樣對：`query_purpose` 就是查詢目的，這裡填 \"self_inquiry\"。`report_type` 設為 \"summary\"，也就是題目說的報告種類。`recent_inquiries_months` 設為 3，也就是題目說的被查詢紀錄回溯月數。\n\n另外要記住的規則：聯徵中心每年提供 3 次免費查詢；短期內被銀行查詢次數過多會影響核貸與利率。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"jcic_credit_report\", \"arguments\": {\"query_purpose\": \"self_inquiry\", \"report_type\": \"summary\", \"recent_inquiries_months\": 3}}\n</tool_call>", "role": "assistant"}]}
{"id": 100901, "query": "Determine the reserve gap given liquid assets of 710000.", "tools": "[{\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}, {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}]", "query_zhtw": "工作普通的話緊急預備金要抓幾個月？我月花 100000，現金 710000。", "think": "讓我理一下。需求是算緊急預備金該準備多少，共有 3 個候選函式。`regular_investment_projection`、`retirement_gap_analysis` 的功能與本題情境不符，正確的是 `emergency_fund_target`，因為它就是用來計算緊急預備金目標的。\n\n參數的部分這樣對：`monthly_expense` 就是每月生活支出，這裡填 100000。`job_stability`（工作穩定度）帶 \"moderate\"。`current_liquid_assets` 設為 710000，也就是題目說的現有流動資產。\n\n另外要記住的規則：一般建議 3~6 個月生活費，收入不穩定或單薪家庭宜拉高至 9~12 個月。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"emergency_fund_target\", \"arguments\": {\"monthly_expense\": 100000, \"job_stability\": \"moderate\", \"current_liquid_assets\": 710000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"regular_investment_projection\", \"description\": \"Project the future value and total contribution of a monthly dollar-cost-averaging plan into a Taiwan ETF or mutual fund at an assumed annual return.\", \"parameters\": {\"monthly_amount\": {\"description\": \"Monthly investment amount in TWD.\", \"type\": \"int\", \"default\": \"5000\"}, \"annual_return\": {\"description\": \"Assumed annual return, e.g. 0.07.\", \"type\": \"float\", \"default\": \"0.07\"}, \"years\": {\"description\": \"Investment horizon in years.\", \"type\": \"int\", \"default\": \"10\"}, \"symbol\": {\"description\": \"Ticker or fund code being accumulated.\", \"type\": \"str\", \"default\": \"0050\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "工作普通的話緊急預備金要抓幾個月？我月花 100000，現金 710000。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是算緊急預備金該準備多少，共有 3 個候選函式。`regular_investment_projection`、`retirement_gap_analysis` 的功能與本題情境不符，正確的是 `emergency_fund_target`，因為它就是用來計算緊急預備金目標的。\n\n參數的部分這樣對：`monthly_expense` 就是每月生活支出，這裡填 100000。`job_stability`（工作穩定度）帶 \"moderate\"。`current_liquid_assets` 設為 710000，也就是題目說的現有流動資產。\n\n另外要記住的規則：一般建議 3~6 個月生活費，收入不穩定或單薪家庭宜拉高至 9~12 個月。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"emergency_fund_target\", \"arguments\": {\"monthly_expense\": 100000, \"job_stability\": \"moderate\", \"current_liquid_assets\": 710000}}\n</tool_call>", "role": "assistant"}]}
{"id": 100909, "query": "Retrieve the TWSE trading data for 2382 dated 2026-07-15.", "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\": \"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\"}}}, {\"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\"}}}, {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "query_zhtw": "2026-07-15 那天 2382 的收盤價多少？市場別是 TWSE。", "think": "讓我理一下。需求是查詢某檔台股在特定交易日的行情，掃過 4 個工具後，`deposit_insurance_coverage`、`labor_pension_fund_projection`、`price_limit_range` 明顯屬於其他業務範疇；`twse_quote_lookup` 才是負責抓取台股日成交資料的那一個，就用它。\n\n把題目資訊映射到函式參數：`symbol` 設為 \"2382\"，也就是題目說的股票代號。`date` 設為 \"2026-07-15\"，也就是題目說的交易日期。`market`（市場別）帶 \"TWSE\"。\n\n另外要記住的規則：台股上市走 TWSE、上櫃走 TPEx，代號需為四碼或六碼字串。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"twse_quote_lookup\", \"arguments\": {\"symbol\": \"2382\", \"date\": \"2026-07-15\", \"market\": \"TWSE\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "2026-07-15 那天 2382 的收盤價多少？市場別是 TWSE。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是查詢某檔台股在特定交易日的行情，掃過 4 個工具後，`deposit_insurance_coverage`、`labor_pension_fund_projection`、`price_limit_range` 明顯屬於其他業務範疇；`twse_quote_lookup` 才是負責抓取台股日成交資料的那一個，就用它。\n\n把題目資訊映射到函式參數：`symbol` 設為 \"2382\"，也就是題目說的股票代號。`date` 設為 \"2026-07-15\"，也就是題目說的交易日期。`market`（市場別）帶 \"TWSE\"。\n\n另外要記住的規則：台股上市走 TWSE、上櫃走 TPEx，代號需為四碼或六碼字串。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"twse_quote_lookup\", \"arguments\": {\"symbol\": \"2382\", \"date\": \"2026-07-15\", \"market\": \"TWSE\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100910, "query": "Compute the total trading cost for buying 11000 shares of 2801 at NT$845.2 with a 1.0 commission discount, day_trade=False.", "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\"}}}]", "query_zhtw": "我用每股 845.2 元買進 11 張 彰銀（2801），券商手續費無折扣，非當沖，總交易成本多少？", "think": "讓我理一下。需求是試算一筆台股買賣的手續費與證交稅，目前只有一個可用函式 `stock_trade_cost`，功能描述正好對應這個需求，所以直接用它。\n\n參數的部分這樣對：`price`（每股成交價）帶 845.2。`shares` 就是股數，這裡填 11000。`side` 設為 \"buy\"，也就是題目說的買賣方向。`discount` 就是手續費折扣倍數，這裡填 1.0。是否為現股當沖對應到 `day_trade`，值是 false。型別上 `day_trade` 是 bool，格式別弄錯。\n\n另外要記住的規則：一張 = 1000 股，題目給「張」時要換算成股數。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"stock_trade_cost\", \"arguments\": {\"price\": 845.2, \"shares\": 11000, \"side\": \"buy\", \"discount\": 1.0, \"day_trade\": false}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我用每股 845.2 元買進 11 張 彰銀（2801），券商手續費無折扣，非當沖，總交易成本多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是試算一筆台股買賣的手續費與證交稅，目前只有一個可用函式 `stock_trade_cost`，功能描述正好對應這個需求，所以直接用它。\n\n參數的部分這樣對：`price`（每股成交價）帶 845.2。`shares` 就是股數，這裡填 11000。`side` 設為 \"buy\"，也就是題目說的買賣方向。`discount` 就是手續費折扣倍數，這裡填 1.0。是否為現股當沖對應到 `day_trade`，值是 false。型別上 `day_trade` 是 bool，格式別弄錯。\n\n另外要記住的規則：一張 = 1000 股，題目給「張」時要換算成股數。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"stock_trade_cost\", \"arguments\": {\"price\": 845.2, \"shares\": 11000, \"side\": \"buy\", \"discount\": 1.0, \"day_trade\": false}}\n</tool_call>", "role": "assistant"}]}
{"id": 100913, "query": "Rate customer risk: type trust, occupation 虛擬資產交易商, country IR, volume 340000. Also, compute the Taiwan labor insurance old-age annuity for average insured salary 36300, 31 years of seniority, claim age offset -3.", "tools": "[{\"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\"}}}, {\"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\"}}}]", "query_zhtw": "這位信託客戶（虛擬資產交易商，IR），非 PEP，月往來約 340000，要不要做加強盡職審查？順便也幫我看：我平均月投保薪資 36300 元、年資 31 年，提前 3 年請領，勞保老年年金每月能領多少？", "think": "收到，使用者需要的是評定客戶的 KYC 風險等級。工具清單裡只提供了 `kyc_risk_rating`，其用途與此需求相符，選它沒有問題。使用者在後半段還問了另一件事——試算勞保老年年金月領金額，那要另外呼叫 `labor_insurance_annuity`。\n\n把題目資訊映射到函式參數：`customer_type` 就是客戶類型，這裡填 \"trust\"。`occupation`（職業或營業性質）帶 \"虛擬資產交易商\"。`nationality`（國籍或註冊地）帶 \"IR\"。`is_pep`（是否為重要政治性職務人士）帶 false。預估月交易量對應到 `expected_monthly_volume`，值是 340000。`expected_monthly_volume` 要用 int 型別傳入。\n\n至於 `labor_insurance_annuity`，參數對應如下：`avg_insured_salary` 設為 36300，也就是題目說的平均月投保薪資。投保年資對應到 `service_years`，值是 31。`claim_age_offset` 設為 -3，也就是題目說的相對法定請領年齡的年數差。`claim_age_offset` 要用 int 型別傳入。\n\n另外要記住的規則：展延每延後 1 年增給 4%（上限 20%），減給每提前 1 年減 4%（上限 20%，最多提前 5 年）。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"trust\", \"occupation\": \"虛擬資產交易商\", \"nationality\": \"IR\", \"is_pep\": false, \"expected_monthly_volume\": 340000}}, {\"name\": \"labor_insurance_annuity\", \"arguments\": {\"avg_insured_salary\": 36300, \"service_years\": 31, \"claim_age_offset\": -3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "這位信託客戶（虛擬資產交易商，IR），非 PEP，月往來約 340000，要不要做加強盡職審查？順便也幫我看：我平均月投保薪資 36300 元、年資 31 年，提前 3 年請領，勞保老年年金每月能領多少？", "role": "user"}, {"content": "<think>\n收到，使用者需要的是評定客戶的 KYC 風險等級。工具清單裡只提供了 `kyc_risk_rating`，其用途與此需求相符，選它沒有問題。使用者在後半段還問了另一件事——試算勞保老年年金月領金額，那要另外呼叫 `labor_insurance_annuity`。\n\n把題目資訊映射到函式參數：`customer_type` 就是客戶類型，這裡填 \"trust\"。`occupation`（職業或營業性質）帶 \"虛擬資產交易商\"。`nationality`（國籍或註冊地）帶 \"IR\"。`is_pep`（是否為重要政治性職務人士）帶 false。預估月交易量對應到 `expected_monthly_volume`，值是 340000。`expected_monthly_volume` 要用 int 型別傳入。\n\n至於 `labor_insurance_annuity`，參數對應如下：`avg_insured_salary` 設為 36300，也就是題目說的平均月投保薪資。投保年資對應到 `service_years`，值是 31。`claim_age_offset` 設為 -3，也就是題目說的相對法定請領年齡的年數差。`claim_age_offset` 要用 int 型別傳入。\n\n另外要記住的規則：展延每延後 1 年增給 4%（上限 20%），減給每提前 1 年減 4%（上限 20%，最多提前 5 年）。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"kyc_risk_rating\", \"arguments\": {\"customer_type\": \"trust\", \"occupation\": \"虛擬資產交易商\", \"nationality\": \"IR\", \"is_pep\": false, \"expected_monthly_volume\": 340000}}\n</tool_call>\n<tool_call>\n{\"name\": \"labor_insurance_annuity\", \"arguments\": {\"avg_insured_salary\": 36300, \"service_years\": 31, \"claim_age_offset\": -3}}\n</tool_call>", "role": "assistant"}]}
{"id": 100916, "query": "Time deposit math: principal 3070000, rate 1.954, months 24, compounding simple.", "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\"}}}]", "query_zhtw": "請計算定期存款利息，金額 3070000 元，年息 1.954%，存 24 個月。", "think": "這個請求的重點在於算定期存款的到期利息，工具清單裡只提供了 `time_deposit_interest`，其用途與此需求相符，選它沒有問題。\n\n接著逐一對應參數：存款本金對應到 `principal`，值是 3070000。`annual_rate`（年利率（%））帶 1.954。存期月數對應到 `months`，值是 24。`compounding` 就是計息方式，這裡填 \"simple\"。注意 `annual_rate` 的型別是 float，不要寫成字串。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 3070000, \"annual_rate\": 1.954, \"months\": 24, \"compounding\": \"simple\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請計算定期存款利息，金額 3070000 元，年息 1.954%，存 24 個月。", "role": "user"}, {"content": "<think>\n這個請求的重點在於算定期存款的到期利息，工具清單裡只提供了 `time_deposit_interest`，其用途與此需求相符，選它沒有問題。\n\n接著逐一對應參數：存款本金對應到 `principal`，值是 3070000。`annual_rate`（年利率（%））帶 1.954。存期月數對應到 `months`，值是 24。`compounding` 就是計息方式，這裡填 \"simple\"。注意 `annual_rate` 的型別是 float，不要寫成字串。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 3070000, \"annual_rate\": 1.954, \"months\": 24, \"compounding\": \"simple\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100919, "query": "Give me the distribution yield of 00919 given price 72.45 and yearly payout 7.64.", "tools": "[{\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"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\"}}}, {\"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\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}]", "query_zhtw": "ETF 00919 價格 72.45，年度配息合計 7.64，殖利率是多少？", "think": "使用者的問題是算一檔 ETF 的現金殖利率。工具清單裡有 4 個函式，其中 `retirement_gap_analysis`、`credit_card_revolving_interest`、`bond_price_from_ytm` 分別處理債券與利率、財務規劃、銀行存放款，跟這題無關；只有 `etf_dividend_yield` 的描述對應計算 ETF 配息殖利率，所以選它。\n\n接著逐一對應參數：`symbol`（ETF 代號）帶 \"00919\"。每單位市價對應到 `price`，值是 72.45。`annual_dividend` 設為 7.64，也就是題目說的全年每單位配息。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00919\", \"price\": 72.45, \"annual_dividend\": 7.64}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "ETF 00919 價格 72.45，年度配息合計 7.64，殖利率是多少？", "role": "user"}, {"content": "<think>\n使用者的問題是算一檔 ETF 的現金殖利率。工具清單裡有 4 個函式，其中 `retirement_gap_analysis`、`credit_card_revolving_interest`、`bond_price_from_ytm` 分別處理債券與利率、財務規劃、銀行存放款，跟這題無關；只有 `etf_dividend_yield` 的描述對應計算 ETF 配息殖利率，所以選它。\n\n接著逐一對應參數：`symbol`（ETF 代號）帶 \"00919\"。每單位市價對應到 `price`，值是 72.45。`annual_dividend` 設為 7.64，也就是題目說的全年每單位配息。\n\n另外要記住的規則：殖利率 = 年配息 ÷ 市價；台灣高股息 ETF 常見月配、季配，需注意收益平準金與填息與否。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"etf_dividend_yield\", \"arguments\": {\"symbol\": \"00919\", \"price\": 72.45, \"annual_dividend\": 7.64}}\n</tool_call>", "role": "assistant"}]}
{"id": 100927, "query": "Time deposit math: principal 1790000, rate 1.434, months 12, compounding monthly_compound.", "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\"}}}, {\"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\": \"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\"}}}, {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}]", "query_zhtw": "請計算定期存款利息，金額 1790000 元，年息 1.434%，存 12 個月。", "think": "收到，使用者需要的是算定期存款的到期利息。工具清單裡有 4 個函式，其中 `mortgage_amortization`、`margin_trading_calc`、`expense_ratio_drag` 分別處理台股交易、基金與 ETF、銀行存放款，跟這題無關；只有 `time_deposit_interest` 的描述對應計算定存利息，所以選它。\n\n把題目資訊映射到函式參數：`principal`（存款本金）帶 1790000。年利率（%）對應到 `annual_rate`，值是 1.434。`months` 就是存期月數，這裡填 12。計息方式對應到 `compounding`，值是 \"monthly_compound\"。型別上 `annual_rate` 是 float，格式別弄錯。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 1790000, \"annual_rate\": 1.434, \"months\": 12, \"compounding\": \"monthly_compound\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請計算定期存款利息，金額 1790000 元，年息 1.434%，存 12 個月。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算定期存款的到期利息。工具清單裡有 4 個函式，其中 `mortgage_amortization`、`margin_trading_calc`、`expense_ratio_drag` 分別處理台股交易、基金與 ETF、銀行存放款，跟這題無關；只有 `time_deposit_interest` 的描述對應計算定存利息，所以選它。\n\n把題目資訊映射到函式參數：`principal`（存款本金）帶 1790000。年利率（%）對應到 `annual_rate`，值是 1.434。`months` 就是存期月數，這裡填 12。計息方式對應到 `compounding`，值是 \"monthly_compound\"。型別上 `annual_rate` 是 float，格式別弄錯。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 1790000, \"annual_rate\": 1.434, \"months\": 12, \"compounding\": \"monthly_compound\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100945, "query": "Explain the Taiwanese financial term '最低稅負制' at a intermediate level in zh-TW.", "tools": "[{\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}, {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}]", "query_zhtw": "請用有基礎聽得懂的方式解釋「最低稅負制」。", "think": "使用者的問題是解釋一個金融名詞。先排除不相干的選項：`license_exam_question_bank` 是金融知識查詢用的，都不符合。剩下 `financial_term_explain` 才是處理解釋金融名詞的函式。\n\n然後把使用者給的條件填進參數：`term`（要解釋的金融名詞）帶 \"最低稅負制\"。`audience_level`（受眾程度）帶 \"intermediate\"。`language` 設為 \"zh-TW\"，也就是題目說的輸出語言。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"最低稅負制\", \"audience_level\": \"intermediate\", \"language\": \"zh-TW\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請用有基礎聽得懂的方式解釋「最低稅負制」。", "role": "user"}, {"content": "<think>\n使用者的問題是解釋一個金融名詞。先排除不相干的選項：`license_exam_question_bank` 是金融知識查詢用的，都不符合。剩下 `financial_term_explain` 才是處理解釋金融名詞的函式。\n\n然後把使用者給的條件填進參數：`term`（要解釋的金融名詞）帶 \"最低稅負制\"。`audience_level`（受眾程度）帶 \"intermediate\"。`language` 設為 \"zh-TW\"，也就是題目說的輸出語言。\n\n另外要記住的規則：解釋台灣金融名詞時應附上本地市場實例，避免直接套用美股或中國市場慣例。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"最低稅負制\", \"audience_level\": \"intermediate\", \"language\": \"zh-TW\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100955, "query": "What did the FITX index close at on 2026-02-27?", "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\"}}}, {\"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\"}}}, {\"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\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}]", "query_zhtw": "2026-02-27 的台指期近月收在哪裡？我要 ['close'] 這些欄位。", "think": "使用者的問題是查台灣股市指數的當日數據。先排除不相干的選項：`deposit_insurance_coverage`、`etf_dividend_yield`、`retirement_gap_analysis` 是基金與 ETF、財務規劃、銀行存放款用的，都不符合。剩下 `market_index_lookup` 才是處理查詢市場指數的函式。\n\n接下來確認每個參數要帶什麼：`index_name` 設為 \"FITX\"，也就是題目說的指數代碼。查詢日期對應到 `date`，值是 \"2026-02-27\"。`fields` 就是要回傳的欄位，這裡填 [\"close\"]。注意 `fields` 的型別是 list，不要寫成字串。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"FITX\", \"date\": \"2026-02-27\", \"fields\": [\"close\"]}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "2026-02-27 的台指期近月收在哪裡？我要 ['close'] 這些欄位。", "role": "user"}, {"content": "<think>\n使用者的問題是查台灣股市指數的當日數據。先排除不相干的選項：`deposit_insurance_coverage`、`etf_dividend_yield`、`retirement_gap_analysis` 是基金與 ETF、財務規劃、銀行存放款用的，都不符合。剩下 `market_index_lookup` 才是處理查詢市場指數的函式。\n\n接下來確認每個參數要帶什麼：`index_name` 設為 \"FITX\"，也就是題目說的指數代碼。查詢日期對應到 `date`，值是 \"2026-02-27\"。`fields` 就是要回傳的欄位，這裡填 [\"close\"]。注意 `fields` 的型別是 list，不要寫成字串。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"FITX\", \"date\": \"2026-02-27\", \"fields\": [\"close\"]}}\n</tool_call>", "role": "assistant"}]}
{"id": 100958, "query": "Retrieve 5 hard past questions on 內部控制制度 from the 壽險業務員 examination. In addition, i need 5 practice questions for the 銀行內部控制與內部稽核 licence on financial planning.", "tools": "[{\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}, {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}, {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}]", "query_zhtw": "幫我找 5 題壽險業務員的「內部控制制度」考古題，難度 hard。同時，我要準備銀行內部控制與內部稽核測驗，請給我 financial planning 的 5 題歷屆試題（medium）。", "think": "這個請求的重點在於取得金融證照的歷屆試題，共有 3 個候選函式。`emergency_fund_target`、`expense_ratio_drag` 的功能與本題情境不符，正確的是 `license_exam_question_bank`，因為它就是用來調閱證照題庫的。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n參數的部分這樣對：`license`（證照名稱）帶 \"壽險業務員\"。`topic` 就是科目主題，這裡填 \"內部控制制度\"。`count` 就是題數，這裡填 5。難度對應到 `difficulty`，值是 \"hard\"。型別上 `count` 是 int，格式別弄錯。\n\n第二組條件則是：`license`（證照名稱）帶 \"銀行內部控制與內部稽核\"。`topic` 就是科目主題，這裡填 \"financial planning\"。`count` 設為 5，也就是題目說的題數。`difficulty` 設為 \"medium\"，也就是題目說的難度。\n\n另外要記住的規則：台灣金融證照題庫來源包含台灣金融研訓院、證基會與證券商同業公會公告之歷屆試題。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"壽險業務員\", \"topic\": \"內部控制制度\", \"count\": 5, \"difficulty\": \"hard\"}}, {\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"銀行內部控制與內部稽核\", \"topic\": \"financial planning\", \"count\": 5, \"difficulty\": \"medium\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"emergency_fund_target\", \"description\": \"Determine the recommended emergency fund size from monthly expenses, desired months of coverage and job stability, and compare it with current liquid assets.\", \"parameters\": {\"monthly_expense\": {\"description\": \"Monthly household expense in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"months_of_coverage\": {\"description\": \"Target months of expenses to cover.\", \"type\": \"int\", \"default\": \"6\"}, \"job_stability\": {\"description\": \"'stable', 'moderate' or 'volatile'.\", \"type\": \"str\", \"default\": \"stable\"}, \"current_liquid_assets\": {\"description\": \"Current liquid savings in TWD.\", \"type\": \"int\", \"default\": \"300000\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"expense_ratio_drag\", \"description\": \"Quantify how much a fund's total expense ratio erodes long-run returns by comparing gross and net compounded outcomes over a holding period.\", \"parameters\": {\"principal\": {\"description\": \"Initial investment in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"expense_ratio\": {\"description\": \"Total annual expense ratio as a decimal, e.g. 0.0102.\", \"type\": \"float\", \"default\": \"0.0102\"}, \"years\": {\"description\": \"Holding period in years.\", \"type\": \"int\", \"default\": \"20\"}, \"gross_annual_return\": {\"description\": \"Gross annual return before fees.\", \"type\": \"float\", \"default\": \"0.07\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我找 5 題壽險業務員的「內部控制制度」考古題，難度 hard。同時，我要準備銀行內部控制與內部稽核測驗，請給我 financial planning 的 5 題歷屆試題（medium）。", "role": "user"}, {"content": "<think>\n這個請求的重點在於取得金融證照的歷屆試題，共有 3 個候選函式。`emergency_fund_target`、`expense_ratio_drag` 的功能與本題情境不符，正確的是 `license_exam_question_bank`，因為它就是用來調閱證照題庫的。因為要對照 2 種情況，我會產生 2 個 tool_call，而不是把值塞在同一次呼叫裡。\n\n參數的部分這樣對：`license`（證照名稱）帶 \"壽險業務員\"。`topic` 就是科目主題，這裡填 \"內部控制制度\"。`count` 就是題數，這裡填 5。難度對應到 `difficulty`，值是 \"hard\"。型別上 `count` 是 int，格式別弄錯。\n\n第二組條件則是：`license`（證照名稱）帶 \"銀行內部控制與內部稽核\"。`topic` 就是科目主題，這裡填 \"financial planning\"。`count` 設為 5，也就是題目說的題數。`difficulty` 設為 \"medium\"，也就是題目說的難度。\n\n另外要記住的規則：台灣金融證照題庫來源包含台灣金融研訓院、證基會與證券商同業公會公告之歷屆試題。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"壽險業務員\", \"topic\": \"內部控制制度\", \"count\": 5, \"difficulty\": \"hard\"}}\n</tool_call>\n<tool_call>\n{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"銀行內部控制與內部稽核\", \"topic\": \"financial planning\", \"count\": 5, \"difficulty\": \"medium\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100962, "query": "Calculate second-generation NHI supplementary premium for interest of 1720000.", "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\"}}}, {\"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\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}]", "query_zhtw": "這筆 1720000 元的利息會不會被扣 2.11% 補充保費？我的月投保金額是 60800。", "think": "收到，使用者需要的是算二代健保補充保費要扣多少。共有 3 個候選函式。`etf_dividend_yield`、`license_exam_question_bank` 的功能與本題情境不符，正確的是 `nhi_supplementary_premium`，因為它就是用來計算補充保費的。\n\n把題目資訊映射到函式參數：`income_type` 設為 \"interest\"，也就是題目說的所得類別。`amount` 設為 1720000，也就是題目說的單次給付金額。`monthly_insured_salary`（月投保金額）帶 60800。\n\n另外要記住的規則：補充保費費率 2.11%，股利/利息/租金/執行業務/兼職薪資單次給付達 2 萬元起扣，單次上限 1,000 萬元。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"interest\", \"amount\": 1720000, \"monthly_insured_salary\": 60800}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "這筆 1720000 元的利息會不會被扣 2.11% 補充保費？我的月投保金額是 60800。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算二代健保補充保費要扣多少。共有 3 個候選函式。`etf_dividend_yield`、`license_exam_question_bank` 的功能與本題情境不符，正確的是 `nhi_supplementary_premium`，因為它就是用來計算補充保費的。\n\n把題目資訊映射到函式參數：`income_type` 設為 \"interest\"，也就是題目說的所得類別。`amount` 設為 1720000，也就是題目說的單次給付金額。`monthly_insured_salary`（月投保金額）帶 60800。\n\n另外要記住的規則：補充保費費率 2.11%，股利/利息/租金/執行業務/兼職薪資單次給付達 2 萬元起扣，單次上限 1,000 萬元。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"interest\", \"amount\": 1720000, \"monthly_insured_salary\": 60800}}\n</tool_call>", "role": "assistant"}]}
{"id": 100971, "query": "Should I file dividends of 1350000 jointly or separately given other income 2170000?", "tools": "[{\"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\"}}}]", "query_zhtw": "幫我試算股利 1350000、其餘所得 2170000、married_joint 的合併 vs 分開計稅差額。", "think": "讓我理一下。需求是比較股利合併計稅與分開計稅哪個省，工具清單裡只提供了 `dividend_tax_compare`，其用途與此需求相符，選它沒有問題。\n\n然後把使用者給的條件填進參數：`dividend_amount` 設為 1350000，也就是題目說的全年股利所得。`other_income` 設為 2170000，也就是題目說的股利以外的所得。`filing_status` 設為 \"married_joint\"，也就是題目說的申報身分。`dividend_amount` 要用 int 型別傳入。\n\n另外要記住的規則：邊際稅率 20% 以下通常合併計稅較省，30% 以上多半分開計稅有利。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 1350000, \"other_income\": 2170000, \"filing_status\": \"married_joint\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我試算股利 1350000、其餘所得 2170000、married_joint 的合併 vs 分開計稅差額。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是比較股利合併計稅與分開計稅哪個省，工具清單裡只提供了 `dividend_tax_compare`，其用途與此需求相符，選它沒有問題。\n\n然後把使用者給的條件填進參數：`dividend_amount` 設為 1350000，也就是題目說的全年股利所得。`other_income` 設為 2170000，也就是題目說的股利以外的所得。`filing_status` 設為 \"married_joint\"，也就是題目說的申報身分。`dividend_amount` 要用 int 型別傳入。\n\n另外要記住的規則：邊際稅率 20% 以下通常合併計稅較省，30% 以上多半分開計稅有利。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 1350000, \"other_income\": 2170000, \"filing_status\": \"married_joint\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100975, "query": "Look up the Central Bank of Taiwan accommodations_with_collateral rate as of 2026-07-01.", "tools": "[{\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"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\"}}}]", "query_zhtw": "請查中央銀行 2026-07-01 的擔保放款融通利率是多少？", "think": "好的，我來拆解這個需求。使用者想查中央銀行政策利率，先排除不相干的選項：`retirement_gap_analysis` 是財務規劃用的，都不符合。剩下 `cbc_policy_rate_lookup` 才是處理查詢央行政策利率的函式。\n\n接下來確認每個參數要帶什麼：`rate_type` 就是政策利率種類，這裡填 \"accommodations_with_collateral\"。`as_of_date`（基準日期）帶 \"2026-07-01\"。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_with_collateral\", \"as_of_date\": \"2026-07-01\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請查中央銀行 2026-07-01 的擔保放款融通利率是多少？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想查中央銀行政策利率，先排除不相干的選項：`retirement_gap_analysis` 是財務規劃用的，都不符合。剩下 `cbc_policy_rate_lookup` 才是處理查詢央行政策利率的函式。\n\n接下來確認每個參數要帶什麼：`rate_type` 就是政策利率種類，這裡填 \"accommodations_with_collateral\"。`as_of_date`（基準日期）帶 \"2026-07-01\"。\n\n另外要記住的規則：央行理監事會議每季召開一次，重貼現率是台灣主要政策利率指標，房貸指數型利率多與之連動。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"cbc_policy_rate_lookup\", \"arguments\": {\"rate_type\": \"accommodations_with_collateral\", \"as_of_date\": \"2026-07-01\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100988, "query": "Get past paper questions: licence 信託業業務人員, topic financial planning, count 5.", "tools": "[{\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}, {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}]", "query_zhtw": "請提供信託業業務人員證照 financial planning 相關的 5 道練習題。", "think": "讓我理一下。需求是取得金融證照的歷屆試題，掃過 2 個工具後，`financial_term_explain` 明顯屬於其他業務範疇；`license_exam_question_bank` 才是負責調閱證照題庫的那一個，就用它。\n\n然後把使用者給的條件填進參數：`license`（證照名稱）帶 \"信託業業務人員\"。`topic`（科目主題）帶 \"financial planning\"。題數對應到 `count`，值是 5。\n\n另外要記住的規則：台灣金融證照題庫來源包含台灣金融研訓院、證基會與證券商同業公會公告之歷屆試題。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"信託業業務人員\", \"topic\": \"financial planning\", \"count\": 5}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請提供信託業業務人員證照 financial planning 相關的 5 道練習題。", "role": "user"}, {"content": "<think>\n讓我理一下。需求是取得金融證照的歷屆試題，掃過 2 個工具後，`financial_term_explain` 明顯屬於其他業務範疇；`license_exam_question_bank` 才是負責調閱證照題庫的那一個，就用它。\n\n然後把使用者給的條件填進參數：`license`（證照名稱）帶 \"信託業業務人員\"。`topic`（科目主題）帶 \"financial planning\"。題數對應到 `count`，值是 5。\n\n另外要記住的規則：台灣金融證照題庫來源包含台灣金融研訓院、證基會與證券商同業公會公告之歷屆試題。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"信託業業務人員\", \"topic\": \"financial planning\", \"count\": 5}}\n</tool_call>", "role": "assistant"}]}
{"id": 100992, "query": "Pull 保險實務 exam items (hard) from the 期貨商業務員 question bank, 30 items.", "tools": "[{\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}, {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}]", "query_zhtw": "調 期貨商業務員 題庫：科目 保險實務、題數 30、難度 hard。", "think": "這個請求的重點在於取得金融證照的歷屆試題，掃過 2 個工具後，`retirement_gap_analysis` 明顯屬於其他業務範疇；`license_exam_question_bank` 才是負責調閱證照題庫的那一個，就用它。\n\n接下來確認每個參數要帶什麼：證照名稱對應到 `license`，值是 \"期貨商業務員\"。`topic` 設為 \"保險實務\"，也就是題目說的科目主題。`count` 就是題數，這裡填 30。難度對應到 `difficulty`，值是 \"hard\"。型別上 `count` 是 int，格式別弄錯。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"期貨商業務員\", \"topic\": \"保險實務\", \"count\": 30, \"difficulty\": \"hard\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"license_exam_question_bank\", \"description\": \"Retrieve past examination questions from Taiwan financial licensing exams by licence type, subject topic, quantity and difficulty.\", \"parameters\": {\"license\": {\"description\": \"Name of the Taiwan financial licence exam.\", \"type\": \"str\", \"default\": \"證券商業務員\"}, \"topic\": {\"description\": \"Subject area within the exam.\", \"type\": \"str\", \"default\": \"證券交易法規\"}, \"count\": {\"description\": \"Number of questions to retrieve.\", \"type\": \"int\", \"default\": \"10\"}, \"difficulty\": {\"description\": \"'easy', 'medium' or 'hard'.\", \"type\": \"str\", \"default\": \"medium\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "調 期貨商業務員 題庫：科目 保險實務、題數 30、難度 hard。", "role": "user"}, {"content": "<think>\n這個請求的重點在於取得金融證照的歷屆試題，掃過 2 個工具後，`retirement_gap_analysis` 明顯屬於其他業務範疇；`license_exam_question_bank` 才是負責調閱證照題庫的那一個，就用它。\n\n接下來確認每個參數要帶什麼：證照名稱對應到 `license`，值是 \"期貨商業務員\"。`topic` 設為 \"保險實務\"，也就是題目說的科目主題。`count` 就是題數，這裡填 30。難度對應到 `difficulty`，值是 \"hard\"。型別上 `count` 是 int，格式別弄錯。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"license_exam_question_bank\", \"arguments\": {\"license\": \"期貨商業務員\", \"topic\": \"保險實務\", \"count\": 30, \"difficulty\": \"hard\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 100993, "query": "What is my monthly mortgage payment on 6570000 at 2.768% for 25 years?", "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\"}}}]", "query_zhtw": "貸 657 萬買房，25 年、2.768%、寬限期 5 年，寬限期內和期滿後月付金各多少？", "think": "使用者的問題是試算房貸月付金與總利息。目前只有一個可用函式 `mortgage_amortization`，功能描述正好對應這個需求，所以直接用它。\n\n接著逐一對應參數：`principal` 就是貸款本金，這裡填 6570000。`annual_rate` 就是年利率（%），這裡填 2.768。`years`（貸款年限）帶 25。寬限期年數對應到 `grace_period_years`，值是 5。型別上 `years` 是 int，格式別弄錯。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 6570000, \"annual_rate\": 2.768, \"years\": 25, \"grace_period_years\": 5}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "貸 657 萬買房，25 年、2.768%、寬限期 5 年，寬限期內和期滿後月付金各多少？", "role": "user"}, {"content": "<think>\n使用者的問題是試算房貸月付金與總利息。目前只有一個可用函式 `mortgage_amortization`，功能描述正好對應這個需求，所以直接用它。\n\n接著逐一對應參數：`principal` 就是貸款本金，這裡填 6570000。`annual_rate` 就是年利率（%），這裡填 2.768。`years`（貸款年限）帶 25。寬限期年數對應到 `grace_period_years`，值是 5。型別上 `years` 是 int，格式別弄錯。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 6570000, \"annual_rate\": 2.768, \"years\": 25, \"grace_period_years\": 5}}\n</tool_call>", "role": "assistant"}]}
{"id": 100997, "query": "Compare consolidated versus 28% separate taxation for dividends of 2080000 with other income 2700000, filing single.", "tools": "[{\"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\"}}}]", "query_zhtw": "我今年領了 208 萬股利，其他所得 270 萬，單身，合併計稅還是分開計稅 28% 比較省？", "think": "好的，我來拆解這個需求。使用者想比較股利合併計稅與分開計稅哪個省，目前只有一個可用函式 `dividend_tax_compare`，功能描述正好對應這個需求，所以直接用它。\n\n接著逐一對應參數：`dividend_amount`（全年股利所得）帶 2080000。`other_income`（股利以外的所得）帶 2700000。`filing_status` 就是申報身分，這裡填 \"single\"。型別上 `dividend_amount` 是 int，格式別弄錯。\n\n另外要記住的規則：邊際稅率 20% 以下通常合併計稅較省，30% 以上多半分開計稅有利。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 2080000, \"other_income\": 2700000, \"filing_status\": \"single\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我今年領了 208 萬股利，其他所得 270 萬，單身，合併計稅還是分開計稅 28% 比較省？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想比較股利合併計稅與分開計稅哪個省，目前只有一個可用函式 `dividend_tax_compare`，功能描述正好對應這個需求，所以直接用它。\n\n接著逐一對應參數：`dividend_amount`（全年股利所得）帶 2080000。`other_income`（股利以外的所得）帶 2700000。`filing_status` 就是申報身分，這裡填 \"single\"。型別上 `dividend_amount` 是 int，格式別弄錯。\n\n另外要記住的規則：邊際稅率 20% 以下通常合併計稅較省，30% 以上多半分開計稅有利。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 2080000, \"other_income\": 2700000, \"filing_status\": \"single\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101002, "query": "Calculate the maturity interest of a 6-month deposit of 1710000 at 1.288%.", "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\": \"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\"}}}]", "query_zhtw": "171 萬放 6 個月定存，機動利率 1.288%，整存整付按月複利，能拿多少利息？", "think": "好的，我來拆解這個需求。使用者想算定期存款的到期利息，共有 2 個候選函式。`house_land_capital_gains_tax` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n把題目資訊映射到函式參數：存款本金對應到 `principal`，值是 1710000。`annual_rate` 就是年利率（%），這裡填 1.288。`months`（存期月數）帶 6。`interest_type` 就是固定或機動利率，這裡填 \"floating\"。`compounding`（計息方式）帶 \"monthly_compound\"。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 1710000, \"annual_rate\": 1.288, \"months\": 6, \"interest_type\": \"floating\", \"compounding\": \"monthly_compound\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "171 萬放 6 個月定存，機動利率 1.288%，整存整付按月複利，能拿多少利息？", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想算定期存款的到期利息，共有 2 個候選函式。`house_land_capital_gains_tax` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n把題目資訊映射到函式參數：存款本金對應到 `principal`，值是 1710000。`annual_rate` 就是年利率（%），這裡填 1.288。`months`（存期月數）帶 6。`interest_type` 就是固定或機動利率，這裡填 \"floating\"。`compounding`（計息方式）帶 \"monthly_compound\"。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 1710000, \"annual_rate\": 1.288, \"months\": 6, \"interest_type\": \"floating\", \"compounding\": \"monthly_compound\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101016, "query": "Is a 6-month EUR deposit at 4.68% worth it given entry 29.883 and exit 16.5279?", "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\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "外幣定存試算：180000 台幣、幣別 EUR、年息 4.68%、6 個月、買入匯率 29.883、賣回 16.5279。", "think": "收到，使用者需要的是算外幣定存以台幣計價的實際損益。先排除不相干的選項：`fx_rate_lookup`、`life_insurance_gap` 是外匯、財務規劃用的，都不符合。剩下 `foreign_currency_deposit_return` 才是處理計算外幣定存實質報酬的函式。\n\n把題目資訊映射到函式參數：`amount_twd`（投入的台幣金額）帶 180000。`currency` 就是外幣幣別，這裡填 \"EUR\"。`annual_rate` 設為 4.68，也就是題目說的外幣存款年利率（%）。`months` 就是存期月數，這裡填 6。`fx_sell` 設為 29.883，也就是題目說的換入時的銀行賣出匯率。`fx_buy_back` 設為 16.5279，也就是題目說的贖回時的銀行買入匯率。\n\n另外要記住的規則：外幣定存的實質報酬 = 外幣利息 − 換匯價差；買入用銀行賣出價、贖回用銀行買入價，兩者價差常吃掉大半利息。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"foreign_currency_deposit_return\", \"arguments\": {\"amount_twd\": 180000, \"currency\": \"EUR\", \"annual_rate\": 4.68, \"months\": 6, \"fx_sell\": 29.883, \"fx_buy_back\": 16.5279}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "外幣定存試算：180000 台幣、幣別 EUR、年息 4.68%、6 個月、買入匯率 29.883、賣回 16.5279。", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算外幣定存以台幣計價的實際損益。先排除不相干的選項：`fx_rate_lookup`、`life_insurance_gap` 是外匯、財務規劃用的，都不符合。剩下 `foreign_currency_deposit_return` 才是處理計算外幣定存實質報酬的函式。\n\n把題目資訊映射到函式參數：`amount_twd`（投入的台幣金額）帶 180000。`currency` 就是外幣幣別，這裡填 \"EUR\"。`annual_rate` 設為 4.68，也就是題目說的外幣存款年利率（%）。`months` 就是存期月數，這裡填 6。`fx_sell` 設為 29.883，也就是題目說的換入時的銀行賣出匯率。`fx_buy_back` 設為 16.5279，也就是題目說的贖回時的銀行買入匯率。\n\n另外要記住的規則：外幣定存的實質報酬 = 外幣利息 − 換匯價差；買入用銀行賣出價、贖回用銀行買入價，兩者價差常吃掉大半利息。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"foreign_currency_deposit_return\", \"arguments\": {\"amount_twd\": 180000, \"currency\": \"EUR\", \"annual_rate\": 4.68, \"months\": 6, \"fx_sell\": 29.883, \"fx_buy_back\": 16.5279}}\n</tool_call>", "role": "assistant"}]}
{"id": 101031, "query": "Compute bond value: face 100000, coupon 3.233, ytm 0.825, frequency 2.", "tools": "[{\"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\"}}}, {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}, {\"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']\"}}}]", "query_zhtw": "一張 10 年期公司債，票息 3.233%，市場殖利率 0.825%，面額 100000，現在值多少？", "think": "這個請求的重點在於由殖利率反推債券價格，掃過 3 個工具後，`fx_rate_lookup`、`market_index_lookup` 明顯屬於其他業務範疇；`bond_price_from_ytm` 才是負責做債券評價的那一個，就用它。\n\n然後把使用者給的條件填進參數：`face_value`（債券面額）帶 100000。`coupon_rate` 就是票面利率（%），這裡填 3.233。`years_to_maturity`（剩餘到期年數）帶 10。`ytm` 設為 0.825，也就是題目說的到期殖利率（%）。每年付息次數對應到 `coupon_frequency`，值是 2。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 100000, \"coupon_rate\": 3.233, \"years_to_maturity\": 10, \"ytm\": 0.825, \"coupon_frequency\": 2}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "一張 10 年期公司債，票息 3.233%，市場殖利率 0.825%，面額 100000，現在值多少？", "role": "user"}, {"content": "<think>\n這個請求的重點在於由殖利率反推債券價格，掃過 3 個工具後，`fx_rate_lookup`、`market_index_lookup` 明顯屬於其他業務範疇；`bond_price_from_ytm` 才是負責做債券評價的那一個，就用它。\n\n然後把使用者給的條件填進參數：`face_value`（債券面額）帶 100000。`coupon_rate` 就是票面利率（%），這裡填 3.233。`years_to_maturity`（剩餘到期年數）帶 10。`ytm` 設為 0.825，也就是題目說的到期殖利率（%）。每年付息次數對應到 `coupon_frequency`，值是 2。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 100000, \"coupon_rate\": 3.233, \"years_to_maturity\": 10, \"ytm\": 0.825, \"coupon_frequency\": 2}}\n</tool_call>", "role": "assistant"}]}
{"id": 101035, "query": "Should I file dividends of 210000 jointly or separately given other income 1460000?", "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\": \"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\": \"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\": \"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\"}}}]", "query_zhtw": "幫我試算股利 210000、其餘所得 1460000、married_joint 的合併 vs 分開計稅差額。", "think": "這個請求的重點在於比較股利合併計稅與分開計稅哪個省，掃過 4 個工具後，`market_index_lookup`、`estate_tax_calc`、`labor_insurance_annuity` 明顯屬於其他業務範疇；`dividend_tax_compare` 才是負責比較兩種股利課稅方式的那一個，就用它。\n\n接下來確認每個參數要帶什麼：`dividend_amount`（全年股利所得）帶 210000。`other_income` 就是股利以外的所得，這裡填 1460000。`filing_status`（申報身分）帶 \"married_joint\"。`dividend_amount` 要用 int 型別傳入。\n\n另外要記住的規則：合併計稅可按股利 8.5% 抵減應納稅額，每申報戶上限 8 萬元；分開計稅為固定 28% 且不得抵減。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 210000, \"other_income\": 1460000, \"filing_status\": \"married_joint\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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']\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我試算股利 210000、其餘所得 1460000、married_joint 的合併 vs 分開計稅差額。", "role": "user"}, {"content": "<think>\n這個請求的重點在於比較股利合併計稅與分開計稅哪個省，掃過 4 個工具後，`market_index_lookup`、`estate_tax_calc`、`labor_insurance_annuity` 明顯屬於其他業務範疇；`dividend_tax_compare` 才是負責比較兩種股利課稅方式的那一個，就用它。\n\n接下來確認每個參數要帶什麼：`dividend_amount`（全年股利所得）帶 210000。`other_income` 就是股利以外的所得，這裡填 1460000。`filing_status`（申報身分）帶 \"married_joint\"。`dividend_amount` 要用 int 型別傳入。\n\n另外要記住的規則：合併計稅可按股利 8.5% 抵減應納稅額，每申報戶上限 8 萬元；分開計稅為固定 28% 且不得抵減。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"dividend_tax_compare\", \"arguments\": {\"dividend_amount\": 210000, \"other_income\": 1460000, \"filing_status\": \"married_joint\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101050, "query": "Retrieve ['close'] for TPEx on 2026-09-15.", "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']\"}}}]", "query_zhtw": "幫我調 TPEx 於 2026-09-15 的指數資料，欄位 ['close']。", "think": "好的，我來拆解這個需求。使用者想查台灣股市指數的當日數據，可用函式只有 `market_index_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接著逐一對應參數：`index_name` 就是指數代碼，這裡填 \"TPEx\"。`date` 就是查詢日期，這裡填 \"2026-09-15\"。`fields` 就是要回傳的欄位，這裡填 [\"close\"]。注意 `fields` 的型別是 list，不要寫成字串。\n\n另外要記住的規則：加權指數不含股利，報酬指數（TAIEX_TR）才是還原息值後的長期績效基準。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TPEx\", \"date\": \"2026-09-15\", \"fields\": [\"close\"]}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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']\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "幫我調 TPEx 於 2026-09-15 的指數資料，欄位 ['close']。", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想查台灣股市指數的當日數據，可用函式只有 `market_index_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n接著逐一對應參數：`index_name` 就是指數代碼，這裡填 \"TPEx\"。`date` 就是查詢日期，這裡填 \"2026-09-15\"。`fields` 就是要回傳的欄位，這裡填 [\"close\"]。注意 `fields` 的型別是 list，不要寫成字串。\n\n另外要記住的規則：加權指數不含股利，報酬指數（TAIEX_TR）才是還原息值後的長期績效基準。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"market_index_lookup\", \"arguments\": {\"index_name\": \"TPEx\", \"date\": \"2026-09-15\", \"fields\": [\"close\"]}}\n</tool_call>", "role": "assistant"}]}
{"id": 101053, "query": "Calculate the 0.1 daily band around a previous close of 886.87, tick rounding True.", "tools": "[{\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}]", "query_zhtw": "2454 昨日收盤價 886.87 元，幫我算今日 ±0.1 的價格上下限。", "think": "好的，我來拆解這個需求。使用者想算出今日的漲停與跌停價，可用函式只有 `price_limit_range` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n把題目資訊映射到函式參數：前一日收盤價對應到 `prev_close`，值是 886.87。`limit_pct` 設為 0.1，也就是題目說的漲跌幅限制。是否依檔位進位對應到 `tick_rounding`，值是 true。\n\n另外要記住的規則：台股普通股漲跌幅為前一日收盤價 ±10%，並依股價區間的最小升降單位進位。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"price_limit_range\", \"arguments\": {\"prev_close\": 886.87, \"limit_pct\": 0.1, \"tick_rounding\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "2454 昨日收盤價 886.87 元，幫我算今日 ±0.1 的價格上下限。", "role": "user"}, {"content": "<think>\n好的，我來拆解這個需求。使用者想算出今日的漲停與跌停價，可用函式只有 `price_limit_range` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n把題目資訊映射到函式參數：前一日收盤價對應到 `prev_close`，值是 886.87。`limit_pct` 設為 0.1，也就是題目說的漲跌幅限制。是否依檔位進位對應到 `tick_rounding`，值是 true。\n\n另外要記住的規則：台股普通股漲跌幅為前一日收盤價 ±10%，並依股價區間的最小升降單位進位。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"price_limit_range\", \"arguments\": {\"prev_close\": 886.87, \"limit_pct\": 0.1, \"tick_rounding\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 101079, "query": "How much of my 2910000 deposit at 彰化銀行 is covered by deposit insurance?", "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\": \"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\"}}}, {\"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\"}}}]", "query_zhtw": "存保額度查詢：機構 彰化銀行、台幣存款 2910000、外幣折台 300000、含息 True。", "think": "使用者的問題是確認存款受存款保險保障的額度。掃過 3 個工具後，`nhi_supplementary_premium`、`estate_tax_calc` 明顯屬於其他業務範疇；`deposit_insurance_coverage` 才是負責查核存款保險保障額度的那一個，就用它。\n\n接下來確認每個參數要帶什麼：要保機構名稱對應到 `bank`，值是 \"彰化銀行\"。`ntd_deposit`（台幣存款餘額）帶 2910000。外幣存款折台幣金額對應到 `fx_deposit_twd_equiv`，值是 300000。`include_interest`（是否含累計利息）帶 true。\n\n另外要記住的規則：不同金融機構分別計算，因此分散存放可提高受保額度。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"彰化銀行\", \"ntd_deposit\": 2910000, \"fx_deposit_twd_equiv\": 300000, \"include_interest\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "存保額度查詢：機構 彰化銀行、台幣存款 2910000、外幣折台 300000、含息 True。", "role": "user"}, {"content": "<think>\n使用者的問題是確認存款受存款保險保障的額度。掃過 3 個工具後，`nhi_supplementary_premium`、`estate_tax_calc` 明顯屬於其他業務範疇；`deposit_insurance_coverage` 才是負責查核存款保險保障額度的那一個，就用它。\n\n接下來確認每個參數要帶什麼：要保機構名稱對應到 `bank`，值是 \"彰化銀行\"。`ntd_deposit`（台幣存款餘額）帶 2910000。外幣存款折台幣金額對應到 `fx_deposit_twd_equiv`，值是 300000。`include_interest`（是否含累計利息）帶 true。\n\n另外要記住的規則：不同金融機構分別計算，因此分散存放可提高受保額度。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"彰化銀行\", \"ntd_deposit\": 2910000, \"fx_deposit_twd_equiv\": 300000, \"include_interest\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 101083, "query": "How much more life cover do I need using the needs_based method?", "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\"}}}, {\"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\"}}}]", "query_zhtw": "壽險保額試算：年收入 980000、扶養年數 19、既有保額 4790000、負債 10270000、方法 needs_based。", "think": "這個請求的重點在於算壽險保額缺口，工具清單裡有 2 個函式，其中 `jcic_credit_report` 分別處理信用與授信，跟這題無關；只有 `life_insurance_gap` 的描述對應評估壽險保障缺口，所以選它。\n\n參數的部分這樣對：`annual_income` 就是被保險人年收入，這裡填 980000。`dependent_years` 設為 19，也就是題目說的尚需扶養的年數。既有壽險保額對應到 `existing_coverage`，值是 4790000。`outstanding_liabilities` 就是未償負債，這裡填 10270000。`method` 設為 \"needs_based\"，也就是題目說的保額估算方法。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 980000, \"dependent_years\": 19, \"existing_coverage\": 4790000, \"outstanding_liabilities\": 10270000, \"method\": \"needs_based\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "壽險保額試算：年收入 980000、扶養年數 19、既有保額 4790000、負債 10270000、方法 needs_based。", "role": "user"}, {"content": "<think>\n這個請求的重點在於算壽險保額缺口，工具清單裡有 2 個函式，其中 `jcic_credit_report` 分別處理信用與授信，跟這題無關；只有 `life_insurance_gap` 的描述對應評估壽險保障缺口，所以選它。\n\n參數的部分這樣對：`annual_income` 就是被保險人年收入，這裡填 980000。`dependent_years` 設為 19，也就是題目說的尚需扶養的年數。既有壽險保額對應到 `existing_coverage`，值是 4790000。`outstanding_liabilities` 就是未償負債，這裡填 10270000。`method` 設為 \"needs_based\"，也就是題目說的保額估算方法。\n\n另外要記住的規則：所得替代法以年收入乘以扶養年數為基準；需求分析法另計負債、子女教育金與最終費用後扣除既有保障。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"life_insurance_gap\", \"arguments\": {\"annual_income\": 980000, \"dependent_years\": 19, \"existing_coverage\": 4790000, \"outstanding_liabilities\": 10270000, \"method\": \"needs_based\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101097, "query": "How much supplementary health insurance premium on 1640000 of part_time_salary income?", "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\": \"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\"}}}, {\"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\"}}}]", "query_zhtw": "請算二代健保補充保費，兼職薪資 1640000 元，月投保薪資 60800 元。", "think": "使用者的問題是算二代健保補充保費要扣多少。先排除不相干的選項：`house_land_capital_gains_tax`、`labor_pension_fund_projection` 是勞健保與退休金、稅務試算用的，都不符合。剩下 `nhi_supplementary_premium` 才是處理計算補充保費的函式。\n\n把題目資訊映射到函式參數：`income_type` 設為 \"part_time_salary\"，也就是題目說的所得類別。`amount` 設為 1640000，也就是題目說的單次給付金額。月投保金額對應到 `monthly_insured_salary`，值是 60800。型別上 `monthly_insured_salary` 是 int，格式別弄錯。\n\n另外要記住的規則：高額獎金以全年累計超過當月投保金額 4 倍的部分計收。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"part_time_salary\", \"amount\": 1640000, \"monthly_insured_salary\": 60800}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請算二代健保補充保費，兼職薪資 1640000 元，月投保薪資 60800 元。", "role": "user"}, {"content": "<think>\n使用者的問題是算二代健保補充保費要扣多少。先排除不相干的選項：`house_land_capital_gains_tax`、`labor_pension_fund_projection` 是勞健保與退休金、稅務試算用的，都不符合。剩下 `nhi_supplementary_premium` 才是處理計算補充保費的函式。\n\n把題目資訊映射到函式參數：`income_type` 設為 \"part_time_salary\"，也就是題目說的所得類別。`amount` 設為 1640000，也就是題目說的單次給付金額。月投保金額對應到 `monthly_insured_salary`，值是 60800。型別上 `monthly_insured_salary` 是 int，格式別弄錯。\n\n另外要記住的規則：高額獎金以全年累計超過當月投保金額 4 倍的部分計收。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"nhi_supplementary_premium\", \"arguments\": {\"income_type\": \"part_time_salary\", \"amount\": 1640000, \"monthly_insured_salary\": 60800}}\n</tool_call>", "role": "assistant"}]}
{"id": 101104, "query": "Compute interest on a 410000 TWD time deposit at 1.587% for 36 months, monthly_compound.", "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\": \"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\"}}}]", "query_zhtw": "我在郵局(中華郵政)存 41 萬定存，年利率 1.587%、36 個月、固定利率、整存整付按月複利，到期利息多少？", "think": "這個請求的重點在於算定期存款的到期利息，共有 2 個候選函式。`stock_trade_cost` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n把題目資訊映射到函式參數：`principal` 就是存款本金，這裡填 410000。`annual_rate` 就是年利率（%），這裡填 1.587。`months` 就是存期月數，這裡填 36。固定或機動利率對應到 `interest_type`，值是 \"fixed\"。`compounding` 設為 \"monthly_compound\"，也就是題目說的計息方式。注意 `principal` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 410000, \"annual_rate\": 1.587, \"months\": 36, \"interest_type\": \"fixed\", \"compounding\": \"monthly_compound\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我在郵局(中華郵政)存 41 萬定存，年利率 1.587%、36 個月、固定利率、整存整付按月複利，到期利息多少？", "role": "user"}, {"content": "<think>\n這個請求的重點在於算定期存款的到期利息，共有 2 個候選函式。`stock_trade_cost` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n把題目資訊映射到函式參數：`principal` 就是存款本金，這裡填 410000。`annual_rate` 就是年利率（%），這裡填 1.587。`months` 就是存期月數，這裡填 36。固定或機動利率對應到 `interest_type`，值是 \"fixed\"。`compounding` 設為 \"monthly_compound\"，也就是題目說的計息方式。注意 `principal` 的型別是 int，不要寫成字串。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 410000, \"annual_rate\": 1.587, \"months\": 36, \"interest_type\": \"fixed\", \"compounding\": \"monthly_compound\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101112, "query": "Time deposit math: principal 2060000, rate 1.49, months 3, compounding monthly_compound.", "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\": \"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\": \"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\"}}}]", "query_zhtw": "請計算定期存款利息，金額 2060000 元，年息 1.49%，存 3 個月。", "think": "先看清楚使用者要什麼。這題是要算定期存款的到期利息，共有 3 個候選函式。`income_tax_estimate`、`credit_card_revolving_interest` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n接著逐一對應參數：存款本金對應到 `principal`，值是 2060000。`annual_rate`（年利率（%））帶 1.49。`months` 設為 3，也就是題目說的存期月數。`compounding` 就是計息方式，這裡填 \"monthly_compound\"。`annual_rate` 要用 float 型別傳入。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 2060000, \"annual_rate\": 1.49, \"months\": 3, \"compounding\": \"monthly_compound\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請計算定期存款利息，金額 2060000 元，年息 1.49%，存 3 個月。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要算定期存款的到期利息，共有 3 個候選函式。`income_tax_estimate`、`credit_card_revolving_interest` 的功能與本題情境不符，正確的是 `time_deposit_interest`，因為它就是用來計算定存利息的。\n\n接著逐一對應參數：存款本金對應到 `principal`，值是 2060000。`annual_rate`（年利率（%））帶 1.49。`months` 設為 3，也就是題目說的存期月數。`compounding` 就是計息方式，這裡填 \"monthly_compound\"。`annual_rate` 要用 float 型別傳入。\n\n另外要記住的規則：台幣定存 1 年以上多採機動或固定二擇一；整存整付為按月複利，存本取息為單利按月給付。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"time_deposit_interest\", \"arguments\": {\"principal\": 2060000, \"annual_rate\": 1.49, \"months\": 3, \"compounding\": \"monthly_compound\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101123, "query": "Check unsecured borrowing capacity for this applicant profile.", "tools": "[{\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}, {\"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\"}}}]", "query_zhtw": "月入 18 萬要申請 140000 元信貸，目前無擔保負債 850000，過得了嗎？", "think": "讓我理一下。需求是評估無擔保借款能力是否超過 DBR 上限，共有 2 個候選函式。`jcic_credit_report` 的功能與本題情境不符，正確的是 `credit_capacity_dbr`，因為它就是用來評估授信負債比的。\n\n把題目資訊映射到函式參數：`monthly_income` 設為 180000，也就是題目說的平均月收入。`unsecured_debt_balance`（無擔保負債餘額）帶 850000。`new_loan_amount` 就是擬申請的新貸款金額，這裡填 140000。`unsecured_debt_balance` 要用 int 型別傳入。\n\n另外要記住的規則：金管會規範無擔保債務歸戶後總額不宜超過月收入 22 倍（DBR 22 倍原則）。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"credit_capacity_dbr\", \"arguments\": {\"monthly_income\": 180000, \"unsecured_debt_balance\": 850000, \"new_loan_amount\": 140000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"name\": \"credit_capacity_dbr\", \"description\": \"Assess a borrower's unsecured lending capacity in Taiwan against the DBR 22x regulatory guidance and the monthly debt service ratio, given income, existing payments, outstanding unsecured debt and a proposed new loan.\", \"parameters\": {\"monthly_income\": {\"description\": \"Average monthly income in TWD.\", \"type\": \"int\", \"default\": \"60000\"}, \"existing_monthly_payment\": {\"description\": \"Existing monthly debt repayments in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"unsecured_debt_balance\": {\"description\": \"Outstanding unsecured debt balance in TWD.\", \"type\": \"int\", \"default\": \"0\"}, \"new_loan_amount\": {\"description\": \"Proposed new unsecured loan amount in TWD.\", \"type\": \"int\", \"default\": \"500000\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "月入 18 萬要申請 140000 元信貸，目前無擔保負債 850000，過得了嗎？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是評估無擔保借款能力是否超過 DBR 上限，共有 2 個候選函式。`jcic_credit_report` 的功能與本題情境不符，正確的是 `credit_capacity_dbr`，因為它就是用來評估授信負債比的。\n\n把題目資訊映射到函式參數：`monthly_income` 設為 180000，也就是題目說的平均月收入。`unsecured_debt_balance`（無擔保負債餘額）帶 850000。`new_loan_amount` 就是擬申請的新貸款金額，這裡填 140000。`unsecured_debt_balance` 要用 int 型別傳入。\n\n另外要記住的規則：金管會規範無擔保債務歸戶後總額不宜超過月收入 22 倍（DBR 22 倍原則）。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"credit_capacity_dbr\", \"arguments\": {\"monthly_income\": 180000, \"unsecured_debt_balance\": 850000, \"new_loan_amount\": 140000}}\n</tool_call>", "role": "assistant"}]}
{"id": 101132, "query": "Define 'IRR 內部報酬率' for a beginner reader.", "tools": "[{\"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\"}}}, {\"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\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}]", "query_zhtw": "「IRR 內部報酬率」是什麼意思？請給台灣市場的實例。", "think": "先看清楚使用者要什麼。這題是要解釋一個金融名詞，掃過 3 個工具後，`margin_trading_calc`、`market_index_lookup` 明顯屬於其他業務範疇；`financial_term_explain` 才是負責解釋金融名詞的那一個，就用它。\n\n接著逐一對應參數：`term` 就是要解釋的金融名詞，這裡填 \"IRR 內部報酬率\"。`audience_level` 設為 \"beginner\"，也就是題目說的受眾程度。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"IRR 內部報酬率\", \"audience_level\": \"beginner\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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']\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"financial_term_explain\", \"description\": \"Explain a Taiwan financial or investment term at a requested audience level, with a local market example.\", \"parameters\": {\"term\": {\"description\": \"The financial term to explain.\", \"type\": \"str\", \"default\": \"本益比\"}, \"audience_level\": {\"description\": \"'beginner', 'intermediate' or 'professional'.\", \"type\": \"str\", \"default\": \"beginner\"}, \"language\": {\"description\": \"Output language tag.\", \"type\": \"str\", \"default\": \"zh-TW\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "「IRR 內部報酬率」是什麼意思？請給台灣市場的實例。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要解釋一個金融名詞，掃過 3 個工具後，`margin_trading_calc`、`market_index_lookup` 明顯屬於其他業務範疇；`financial_term_explain` 才是負責解釋金融名詞的那一個，就用它。\n\n接著逐一對應參數：`term` 就是要解釋的金融名詞，這裡填 \"IRR 內部報酬率\"。`audience_level` 設為 \"beginner\"，也就是題目說的受眾程度。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"financial_term_explain\", \"arguments\": {\"term\": \"IRR 內部報酬率\", \"audience_level\": \"beginner\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101149, "query": "Pull the statutory text of 證券交易法 §157.", "tools": "[{\"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\"}}}]", "query_zhtw": "查一下證券交易法§157的規定。", "think": "先看清楚使用者要什麼。這題是要調閱某條金融法規的條文，可用函式只有 `taiwan_regulation_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`law_name`（法規名稱）帶 \"證券交易法\"。`article`（條號）帶 157。`article` 要用 int 型別傳入。\n\n另外要記住的規則：應以全國法規資料庫最新版本為準，並註明最近修正日期。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"taiwan_regulation_lookup\", \"arguments\": {\"law_name\": \"證券交易法\", \"article\": 157}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "查一下證券交易法§157的規定。", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要調閱某條金融法規的條文，可用函式只有 `taiwan_regulation_lookup` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n參數的部分這樣對：`law_name`（法規名稱）帶 \"證券交易法\"。`article`（條號）帶 157。`article` 要用 int 型別傳入。\n\n另外要記住的規則：應以全國法規資料庫最新版本為準，並註明最近修正日期。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"taiwan_regulation_lookup\", \"arguments\": {\"law_name\": \"證券交易法\", \"article\": 157}}\n</tool_call>", "role": "assistant"}]}
{"id": 101150, "query": "Estimate Taiwan income tax for annual income 1320000, filing status married_joint, 2 dependents, standard deduction, tax year 114.", "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\"}}}]", "query_zhtw": "我年收入 132 萬，夫妻合併申報，扶養 2 人，採標準扣除額，114 年度綜合所得稅大概要繳多少？", "think": "讓我理一下。需求是試算個人綜合所得稅，可用函式只有 `income_tax_estimate` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n然後把使用者給的條件填進參數：`annual_income`（全年所得總額）帶 1320000。`filing_status` 設為 \"married_joint\"，也就是題目說的申報身分。`dependents`（扶養親屬人數）帶 2。扣除額方式對應到 `deduction_type`，值是 \"standard\"。`tax_year`（民國年度）帶 114。`dependents` 要用 int 型別傳入。\n\n另外要記住的規則：115年度免稅額 10.1 萬、標準扣除額單身 13.6 萬/夫妻 27.2 萬、薪資特別扣除額 22.7 萬。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 1320000, \"filing_status\": \"married_joint\", \"dependents\": 2, \"deduction_type\": \"standard\", \"tax_year\": 114}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我年收入 132 萬，夫妻合併申報，扶養 2 人，採標準扣除額，114 年度綜合所得稅大概要繳多少？", "role": "user"}, {"content": "<think>\n讓我理一下。需求是試算個人綜合所得稅，可用函式只有 `income_tax_estimate` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。\n\n然後把使用者給的條件填進參數：`annual_income`（全年所得總額）帶 1320000。`filing_status` 設為 \"married_joint\"，也就是題目說的申報身分。`dependents`（扶養親屬人數）帶 2。扣除額方式對應到 `deduction_type`，值是 \"standard\"。`tax_year`（民國年度）帶 114。`dependents` 要用 int 型別傳入。\n\n另外要記住的規則：115年度免稅額 10.1 萬、標準扣除額單身 13.6 萬/夫妻 27.2 萬、薪資特別扣除額 22.7 萬。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"income_tax_estimate\", \"arguments\": {\"annual_income\": 1320000, \"filing_status\": \"married_joint\", \"dependents\": 2, \"deduction_type\": \"standard\", \"tax_year\": 114}}\n</tool_call>", "role": "assistant"}]}
{"id": 101152, "query": "Determine the CDIC-insured portion of 1130000 TWD plus 3490000 in foreign currency at 第一銀行.", "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\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "我在第一銀行有台幣 113 萬、外幣折台幣 349 萬，存款保險能保障多少？超額多少？", "think": "先看清楚使用者要什麼。這題是要確認存款受存款保險保障的額度，共有 3 個候選函式。`gift_tax_calc`、`kyc_risk_rating` 的功能與本題情境不符，正確的是 `deposit_insurance_coverage`，因為它就是用來查核存款保險保障額度的。\n\n接著逐一對應參數：要保機構名稱對應到 `bank`，值是 \"第一銀行\"。`ntd_deposit`（台幣存款餘額）帶 1130000。`fx_deposit_twd_equiv` 就是外幣存款折台幣金額，這裡填 3490000。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"第一銀行\", \"ntd_deposit\": 1130000, \"fx_deposit_twd_equiv\": 3490000}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我在第一銀行有台幣 113 萬、外幣折台幣 349 萬，存款保險能保障多少？超額多少？", "role": "user"}, {"content": "<think>\n先看清楚使用者要什麼。這題是要確認存款受存款保險保障的額度，共有 3 個候選函式。`gift_tax_calc`、`kyc_risk_rating` 的功能與本題情境不符，正確的是 `deposit_insurance_coverage`，因為它就是用來查核存款保險保障額度的。\n\n接著逐一對應參數：要保機構名稱對應到 `bank`，值是 \"第一銀行\"。`ntd_deposit`（台幣存款餘額）帶 1130000。`fx_deposit_twd_equiv` 就是外幣存款折台幣金額，這裡填 3490000。\n\n另外要記住的規則：中央存款保險對同一要保機構每一存款人的保障上限為新臺幣 300 萬元，本金加利息、含台幣與外幣存款合併計算。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"deposit_insurance_coverage\", \"arguments\": {\"bank\": \"第一銀行\", \"ntd_deposit\": 1130000, \"fx_deposit_twd_equiv\": 3490000}}\n</tool_call>", "role": "assistant"}]}
{"id": 101155, "query": "Credit card interest math: balance 220000, apr 6.23, days 60, min payment 0.1.", "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\": \"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\"}}}]", "query_zhtw": "請算信用卡循環信用利息，未清償餘額 220000、年利率 6.23%、期間 60 天。", "think": "使用者的問題是算信用卡循環信用利息。先排除不相干的選項：`aml_transaction_screening` 是法令遵循用的，都不符合。剩下 `credit_card_revolving_interest` 才是處理計算循環信用利息的函式。\n\n接著逐一對應參數：`balance`（循環信用未清償餘額）帶 220000。`apr`（循環信用年利率（%））帶 6.23。`days` 就是計息天數，這裡填 60。`min_payment_rate` 就是最低應繳比率，這裡填 0.1。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 220000, \"apr\": 6.23, \"days\": 60, \"min_payment_rate\": 0.1}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "請算信用卡循環信用利息，未清償餘額 220000、年利率 6.23%、期間 60 天。", "role": "user"}, {"content": "<think>\n使用者的問題是算信用卡循環信用利息。先排除不相干的選項：`aml_transaction_screening` 是法令遵循用的，都不符合。剩下 `credit_card_revolving_interest` 才是處理計算循環信用利息的函式。\n\n接著逐一對應參數：`balance`（循環信用未清償餘額）帶 220000。`apr`（循環信用年利率（%））帶 6.23。`days` 就是計息天數，這裡填 60。`min_payment_rate` 就是最低應繳比率，這裡填 0.1。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 220000, \"apr\": 6.23, \"days\": 60, \"min_payment_rate\": 0.1}}\n</tool_call>", "role": "assistant"}]}
{"id": 101166, "query": "Amortize a 14280000 loan at 2.487% for 25 years using equal_principal.", "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\"}}}, {\"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\"}}}]", "query_zhtw": "房貸試算：本金 14280000 元、年利率 2.487%、期間 25 年、寬限期 3 年、方式 equal_principal。", "think": "使用者的問題是試算房貸月付金與總利息。掃過 2 個工具後，`life_insurance_gap` 明顯屬於其他業務範疇；`mortgage_amortization` 才是負責做房貸攤還試算的那一個，就用它。\n\n然後把使用者給的條件填進參數：貸款本金對應到 `principal`，值是 14280000。年利率（%）對應到 `annual_rate`，值是 2.487。`years`（貸款年限）帶 25。`grace_period_years`（寬限期年數）帶 3。`method`（攤還方式）帶 \"equal_principal\"。`principal` 要用 int 型別傳入。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 14280000, \"annual_rate\": 2.487, \"years\": 25, \"grace_period_years\": 3, \"method\": \"equal_principal\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "房貸試算：本金 14280000 元、年利率 2.487%、期間 25 年、寬限期 3 年、方式 equal_principal。", "role": "user"}, {"content": "<think>\n使用者的問題是試算房貸月付金與總利息。掃過 2 個工具後，`life_insurance_gap` 明顯屬於其他業務範疇；`mortgage_amortization` 才是負責做房貸攤還試算的那一個，就用它。\n\n然後把使用者給的條件填進參數：貸款本金對應到 `principal`，值是 14280000。年利率（%）對應到 `annual_rate`，值是 2.487。`years`（貸款年限）帶 25。`grace_period_years`（寬限期年數）帶 3。`method`（攤還方式）帶 \"equal_principal\"。`principal` 要用 int 型別傳入。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 14280000, \"annual_rate\": 2.487, \"years\": 25, \"grace_period_years\": 3, \"method\": \"equal_principal\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101172, "query": "Calculate the loan amount and forced-liquidation price for a 0.5 margin purchase of 1000 shares of 2002 at 596.9.", "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\": \"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\"}}}]", "query_zhtw": "以 596.9 元融資買 1 張 中鋼，成數 50%，整戶維持率跌到 1.3 會被追繳，幫我試算。", "think": "使用者的問題是算融資買進的自備款與追繳價。先排除不相干的選項：`stock_trade_cost` 是台股交易用的，都不符合。剩下 `margin_trading_calc` 才是處理處理融資融券試算的函式。\n\n然後把使用者給的條件填進參數：`price`（每股買進價）帶 596.9。`shares` 設為 1000，也就是題目說的融資股數。`financing_ratio` 就是融資成數，這裡填 0.5。`maintenance_threshold` 就是追繳維持率，這裡填 1.3。型別上 `financing_ratio` 是 float，格式別弄錯。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 596.9, \"shares\": 1000, \"financing_ratio\": 0.5, \"maintenance_threshold\": 1.3}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "以 596.9 元融資買 1 張 中鋼，成數 50%，整戶維持率跌到 1.3 會被追繳，幫我試算。", "role": "user"}, {"content": "<think>\n使用者的問題是算融資買進的自備款與追繳價。先排除不相干的選項：`stock_trade_cost` 是台股交易用的，都不符合。剩下 `margin_trading_calc` 才是處理處理融資融券試算的函式。\n\n然後把使用者給的條件填進參數：`price`（每股買進價）帶 596.9。`shares` 設為 1000，也就是題目說的融資股數。`financing_ratio` 就是融資成數，這裡填 0.5。`maintenance_threshold` 就是追繳維持率，這裡填 1.3。型別上 `financing_ratio` 是 float，格式別弄錯。\n\n另外要記住的規則：上市櫃融資成數上限 6 成，融券保證金 9 成；整戶維持率低於 130% 券商會發追繳令。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"margin_trading_calc\", \"arguments\": {\"price\": 596.9, \"shares\": 1000, \"financing_ratio\": 0.5, \"maintenance_threshold\": 1.3}}\n</tool_call>", "role": "assistant"}]}
{"id": 101180, "query": "Compute revolving credit interest on a 250000 TWD balance at 11.66% APR over 30 days.", "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\"}}}]", "query_zhtw": "我永豐銀行信用卡欠 250000 元動用循環信用，年利率 11.66%，30 天的利息是多少？合法嗎？", "think": "收到，使用者需要的是算信用卡循環信用利息。工具清單裡只提供了 `credit_card_revolving_interest`，其用途與此需求相符，選它沒有問題。\n\n然後把使用者給的條件填進參數：`balance` 就是循環信用未清償餘額，這裡填 250000。`apr` 就是循環信用年利率（%），這裡填 11.66。`days` 就是計息天數，這裡填 30。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。", "answer": "[{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 250000, \"apr\": 11.66, \"days\": 30}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "我永豐銀行信用卡欠 250000 元動用循環信用，年利率 11.66%，30 天的利息是多少？合法嗎？", "role": "user"}, {"content": "<think>\n收到，使用者需要的是算信用卡循環信用利息。工具清單裡只提供了 `credit_card_revolving_interest`，其用途與此需求相符，選它沒有問題。\n\n然後把使用者給的條件填進參數：`balance` 就是循環信用未清償餘額，這裡填 250000。`apr` 就是循環信用年利率（%），這裡填 11.66。`days` 就是計息天數，這裡填 30。\n\n另外要記住的規則：銀行法第 47-1 條規定信用卡循環信用利率不得超過年利率 15%，自 104 年 9 月 1 日起適用。\n\n確認 JSON 格式正確、引號與逗號都沒漏，然後直接回傳呼叫內容。\n</think>\n\n<tool_call>\n{\"name\": \"credit_card_revolving_interest\", \"arguments\": {\"balance\": 250000, \"apr\": 11.66, \"days\": 30}}\n</tool_call>", "role": "assistant"}]}
{"id": 101183, "query": "How much monthly labor pension with insured salary 45800 and 30 years, claiming 0 years off the statutory age?", "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\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}, {\"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\"}}}]", "query_zhtw": "勞保年金試算：平均月投保薪資 45800、投保年資 30 年、請領年齡差 0 年。", "think": "使用者的問題是試算勞保老年年金月領金額。工具清單裡有 3 個函式，其中 `time_deposit_interest`、`retirement_gap_analysis` 分別處理財務規劃、銀行存放款，跟這題無關；只有 `labor_insurance_annuity` 的描述對應計算勞保年金給付，所以選它。\n\n參數的部分這樣對：平均月投保薪資對應到 `avg_insured_salary`，值是 45800。投保年資對應到 `service_years`，值是 30。`claim_age_offset` 就是相對法定請領年齡的年數差，這裡填 0。\n\n另外要記住的規則：公式A = 平均月投保薪資 × 年資 × 0.775% + 3,000；公式B = 平均月投保薪資 × 年資 × 1.55%，擇優發給。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。", "answer": "[{\"name\": \"labor_insurance_annuity\", \"arguments\": {\"avg_insured_salary\": 45800, \"service_years\": 30, \"claim_age_offset\": 0}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"retirement_gap_analysis\", \"description\": \"Run a Taiwan retirement funding gap analysis: inflate today's living expenses to the retirement date, compute the required nest egg to age of life expectancy, compare with projected savings and report the shortfall and the monthly saving needed to close it.\", \"parameters\": {\"current_age\": {\"description\": \"Current age in years.\", \"type\": \"int\", \"default\": \"35\"}, \"retirement_age\": {\"description\": \"Planned retirement age.\", \"type\": \"int\", \"default\": \"65\"}, \"monthly_expense_today\": {\"description\": \"Monthly living expense at today's prices in TWD.\", \"type\": \"int\", \"default\": \"50000\"}, \"current_savings\": {\"description\": \"Current retirement savings in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"annual_return\": {\"description\": \"Assumed annual investment return.\", \"type\": \"float\", \"default\": \"0.05\"}, \"inflation_rate\": {\"description\": \"Assumed annual inflation rate.\", \"type\": \"float\", \"default\": \"0.02\"}, \"life_expectancy\": {\"description\": \"Assumed life expectancy in years.\", \"type\": \"int\", \"default\": \"88\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "勞保年金試算：平均月投保薪資 45800、投保年資 30 年、請領年齡差 0 年。", "role": "user"}, {"content": "<think>\n使用者的問題是試算勞保老年年金月領金額。工具清單裡有 3 個函式，其中 `time_deposit_interest`、`retirement_gap_analysis` 分別處理財務規劃、銀行存放款，跟這題無關；只有 `labor_insurance_annuity` 的描述對應計算勞保年金給付，所以選它。\n\n參數的部分這樣對：平均月投保薪資對應到 `avg_insured_salary`，值是 45800。投保年資對應到 `service_years`，值是 30。`claim_age_offset` 就是相對法定請領年齡的年數差，這裡填 0。\n\n另外要記住的規則：公式A = 平均月投保薪資 × 年資 × 0.775% + 3,000；公式B = 平均月投保薪資 × 年資 × 1.55%，擇優發給。\n\n格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。\n</think>\n\n<tool_call>\n{\"name\": \"labor_insurance_annuity\", \"arguments\": {\"avg_insured_salary\": 45800, \"service_years\": 30, \"claim_age_offset\": 0}}\n</tool_call>", "role": "assistant"}]}
{"id": 101185, "query": "Mortgage math: 18870000 principal, 2.77 rate, 25 years, grace 1, method equal_total.", "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\": \"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\"}}}]", "query_zhtw": "1887 萬房貸 2.77% 分 25 年還，寬限期 1 年，總共要付多少利息？", "think": "這個請求的重點在於試算房貸月付金與總利息，共有 2 個候選函式。`jcic_credit_report` 的功能與本題情境不符，正確的是 `mortgage_amortization`，因為它就是用來做房貸攤還試算的。\n\n然後把使用者給的條件填進參數：貸款本金對應到 `principal`，值是 18870000。`annual_rate` 就是年利率（%），這裡填 2.77。貸款年限對應到 `years`，值是 25。`grace_period_years` 設為 1，也就是題目說的寬限期年數。`method`（攤還方式）帶 \"equal_total\"。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。", "answer": "[{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 18870000, \"annual_rate\": 2.77, \"years\": 25, \"grace_period_years\": 1, \"method\": \"equal_total\"}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "1887 萬房貸 2.77% 分 25 年還，寬限期 1 年，總共要付多少利息？", "role": "user"}, {"content": "<think>\n這個請求的重點在於試算房貸月付金與總利息，共有 2 個候選函式。`jcic_credit_report` 的功能與本題情境不符，正確的是 `mortgage_amortization`，因為它就是用來做房貸攤還試算的。\n\n然後把使用者給的條件填進參數：貸款本金對應到 `principal`，值是 18870000。`annual_rate` 就是年利率（%），這裡填 2.77。貸款年限對應到 `years`，值是 25。`grace_period_years` 設為 1，也就是題目說的寬限期年數。`method`（攤還方式）帶 \"equal_total\"。\n\n另外要記住的規則：寬限期內只繳息不還本，期滿後本金需在剩餘年限內攤還，月付金會明顯跳升。\n\n最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。\n</think>\n\n<tool_call>\n{\"name\": \"mortgage_amortization\", \"arguments\": {\"principal\": 18870000, \"annual_rate\": 2.77, \"years\": 25, \"grace_period_years\": 1, \"method\": \"equal_total\"}}\n</tool_call>", "role": "assistant"}]}
{"id": 101186, "query": "What is the property transaction income tax for a 18070000 TWD gain after 2 years of ownership?", "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\"}}}, {\"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\"}}}, {\"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\"}}}]", "query_zhtw": "房地合一 2.0 試算：課稅所得 18070000 元、持有 2 年、自住優惠 False、境內居住者 True。", "think": "使用者的問題是算賣房的房地合一稅。掃過 3 個工具後，`etf_dividend_yield`、`foreign_currency_deposit_return` 明顯屬於其他業務範疇；`house_land_capital_gains_tax` 才是負責計算房地合一所得稅的那一個，就用它。\n\n接著逐一對應參數：`gain`（課稅所得（獲利））帶 18070000。`holding_years`（持有年數）帶 2。是否適用自住優惠對應到 `self_use`，值是 false。`resident`（是否為境內居住者）帶 true。`holding_years` 要用 int 型別傳入。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。", "answer": "[{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 18070000, \"holding_years\": 2, \"self_use\": false, \"resident\": true}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "房地合一 2.0 試算：課稅所得 18070000 元、持有 2 年、自住優惠 False、境內居住者 True。", "role": "user"}, {"content": "<think>\n使用者的問題是算賣房的房地合一稅。掃過 3 個工具後，`etf_dividend_yield`、`foreign_currency_deposit_return` 明顯屬於其他業務範疇；`house_land_capital_gains_tax` 才是負責計算房地合一所得稅的那一個，就用它。\n\n接著逐一對應參數：`gain`（課稅所得（獲利））帶 18070000。`holding_years`（持有年數）帶 2。是否適用自住優惠對應到 `self_use`，值是 false。`resident`（是否為境內居住者）帶 true。`holding_years` 要用 int 型別傳入。\n\n檢查一遍沒有遺漏必要參數，就照 schema 回傳。\n</think>\n\n<tool_call>\n{\"name\": \"house_land_capital_gains_tax\", \"arguments\": {\"gain\": 18070000, \"holding_years\": 2, \"self_use\": false, \"resident\": true}}\n</tool_call>", "role": "assistant"}]}
{"id": 101195, "query": "Is this bond at a premium or discount? Face 1000000, coupon 4.901%, YTM 3.631%. Additionally, what is the clean price of a 4.858% bond maturing in 7 years at a 5.711% yield?", "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\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}, {\"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\"}}}, {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}]", "query_zhtw": "債券評價：coupon 4.901%、maturity 2 年、ytm 3.631%、面額 1000000。另外，請幫我算債券價格：面額 10000000、票面 4.858%、年期 7、YTM 5.711%、每年付息 1 次。", "think": "這個請求的重點在於由殖利率反推債券價格，掃過 4 個工具後，`income_tax_estimate`、`price_limit_range`、`cbc_policy_rate_lookup` 明顯屬於其他業務範疇；`bond_price_from_ytm` 才是負責做債券評價的那一個，就用它。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n接著逐一對應參數：`face_value`（債券面額）帶 1000000。`coupon_rate` 就是票面利率（%），這裡填 4.901。`years_to_maturity`（剩餘到期年數）帶 2。到期殖利率（%）對應到 `ytm`，值是 3.631。注意 `coupon_rate` 的型別是 float，不要寫成字串。\n\n第二組條件則是：`face_value` 設為 10000000，也就是題目說的債券面額。`coupon_rate` 設為 4.858，也就是題目說的票面利率（%）。`years_to_maturity` 設為 7，也就是題目說的剩餘到期年數。到期殖利率（%）對應到 `ytm`，值是 5.711。每年付息次數對應到 `coupon_frequency`，值是 1。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。", "answer": "[{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 1000000, \"coupon_rate\": 4.901, \"years_to_maturity\": 2, \"ytm\": 3.631}}, {\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 10000000, \"coupon_rate\": 4.858, \"years_to_maturity\": 7, \"ytm\": 5.711, \"coupon_frequency\": 1}}]", "messages": [{"content": "You are a function calling AI model. You are provided with function signatures within <tools> </tools> XML tags. You may call one or more functions to assist with the user query. Don't make assumptions about what values to plug into functions.\n\n<tools>\n[{\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"price_limit_range\", \"description\": \"Compute the daily limit-up and limit-down prices of a Taiwan-listed security from its previous close, applying the 10% price limit and the exchange tick-size rounding rules.\", \"parameters\": {\"prev_close\": {\"description\": \"Previous closing price in TWD.\", \"type\": \"float\", \"default\": \"100.0\"}, \"limit_pct\": {\"description\": \"Daily price limit, 0.10 for Taiwan common stocks.\", \"type\": \"float\", \"default\": \"0.1\"}, \"tick_rounding\": {\"description\": \"Whether to round to the legal tick size.\", \"type\": \"bool\", \"default\": \"true\"}}}}, {\"type\": \"function\", \"function\": {\"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\"}}}}, {\"type\": \"function\", \"function\": {\"name\": \"bond_price_from_ytm\", \"description\": \"Price a fixed-coupon bond from its yield to maturity, reporting clean price, premium or discount status and total coupon cash flow.\", \"parameters\": {\"face_value\": {\"description\": \"Face value in TWD.\", \"type\": \"int\", \"default\": \"1000000\"}, \"coupon_rate\": {\"description\": \"Annual coupon rate in percent.\", \"type\": \"float\", \"default\": \"2.0\"}, \"years_to_maturity\": {\"description\": \"Years remaining to maturity.\", \"type\": \"int\", \"default\": \"10\"}, \"ytm\": {\"description\": \"Yield to maturity in percent.\", \"type\": \"float\", \"default\": \"2.5\"}, \"coupon_frequency\": {\"description\": \"Coupon payments per year, 1 or 2.\", \"type\": \"int\", \"default\": \"2\"}}}}]\n</tools>\n\nFor each function call return a json object with function name and arguments within <tool_call> </tool_call> tags with the following schema:\n<tool_call>\n{\"arguments\": <args-dict>, \"name\": <function-name>}\n</tool_call>\n\nCutting Knowledge Date: May 2026\nToday Date: 09 Sep 2026", "role": "system"}, {"content": "債券評價：coupon 4.901%、maturity 2 年、ytm 3.631%、面額 1000000。另外，請幫我算債券價格：面額 10000000、票面 4.858%、年期 7、YTM 5.711%、每年付息 1 次。", "role": "user"}, {"content": "<think>\n這個請求的重點在於由殖利率反推債券價格，掃過 4 個工具後，`income_tax_estimate`、`price_limit_range`、`cbc_policy_rate_lookup` 明顯屬於其他業務範疇；`bond_price_from_ytm` 才是負責做債券評價的那一個，就用它。使用者一次問了 2 個情境，所以要輸出 2 次呼叫，各自帶不同參數。\n\n接著逐一對應參數：`face_value`（債券面額）帶 1000000。`coupon_rate` 就是票面利率（%），這裡填 4.901。`years_to_maturity`（剩餘到期年數）帶 2。到期殖利率（%）對應到 `ytm`，值是 3.631。注意 `coupon_rate` 的型別是 float，不要寫成字串。\n\n第二組條件則是：`face_value` 設為 10000000，也就是題目說的債券面額。`coupon_rate` 設為 4.858，也就是題目說的票面利率（%）。`years_to_maturity` 設為 7，也就是題目說的剩餘到期年數。到期殖利率（%）對應到 `ytm`，值是 5.711。每年付息次數對應到 `coupon_frequency`，值是 1。\n\n所有參數都有明確來源，沒有需要臆測的值，可以輸出了。\n</think>\n\n<tool_call>\n{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 1000000, \"coupon_rate\": 4.901, \"years_to_maturity\": 2, \"ytm\": 3.631}}\n</tool_call>\n<tool_call>\n{\"name\": \"bond_price_from_ytm\", \"arguments\": {\"face_value\": 10000000, \"coupon_rate\": 4.858, \"years_to_maturity\": 7, \"ytm\": 5.711, \"coupon_frequency\": 1}}\n</tool_call>", "role": "assistant"}]}