id int64 100k 101k | query stringlengths 36 377 | tools stringlengths 451 3.96k | query_zhtw stringlengths 14 240 | think stringlengths 174 795 | answer stringlengths 85 673 | messages listlengths 3 3 |
|---|---|---|---|---|---|---|
100,003 | Assess DBR capacity for monthly income 230000, existing payments 20000, unsecured balance 1870000, new loan 2640000. | [{"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": "A... | 我月收入 230000 元、現有月付 20000、無擔保負債 1870000，想再借 2640000，DBR 會超標嗎？ | 使用者的問題是評估無擔保借款能力是否超過 DBR 上限。工具清單裡只提供了 `credit_capacity_dbr`，其用途與此需求相符，選它沒有問題。
參數的部分這樣對：平均月收入對應到 `monthly_income`，值是 230000。`existing_monthly_payment`（既有每月還款額）帶 20000。`unsecured_debt_balance` 設為 1870000，也就是題目說的無擔保負債餘額。`new_loan_amount`（擬申請的新貸款金額）帶 2640000。型別上 `existing_monthly_payment` 是 int，格式別弄錯。
另外要記住的規則：金管會規範無擔保債務... | [{"name": "credit_capacity_dbr", "arguments": {"monthly_income": 230000, "existing_monthly_payment": 20000, "unsecured_debt_balance": 1870000, "new_loan_amount": 2640000}}] | [
{
"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\": {\... |
100,004 | Check deposit insurance coverage for balances of 6620000 and 3750000 at 華南銀行. In addition, credit card interest math: balance 140000, apr 14.82, days 90, min payment 0.1. | [{"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%.", "par... | 同一家華南銀行放 6620000 元台幣加 3750000 元外幣，中央存保賠付上限是多少？同時，請算信用卡循環信用利息，未清償餘額 140000、年利率 14.82%、期間 90 天。 | 讓我理一下。需求是確認存款受存款保險保障的額度，共有 4 個候選函式。`labor_insurance_annuity`、`taiwan_regulation_lookup` 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。問題其實包了兩個不同的需求；第二段要算信用卡循環信用利息，對應的是 `credit_card_revolving_interest`。
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 "華南銀行"。`ntd_deposit` 就是台幣存款餘額，這裡填 6620000。`fx_deposit_twd_equiv` ... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "華南銀行", "ntd_deposit": 6620000, "fx_deposit_twd_equiv": 3750000}}, {"name": "credit_card_revolving_interest", "arguments": {"balance": 140000, "apr": 14.82, "days": 90, "min_payment_rate": 0.1}}] | [
{
"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\": {\... |
100,005 | Compute insurance shortfall given income 1000000 and debts 15630000. | [{"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 in... | 請幫我看壽險買夠了沒，年薪 1000000、負債 15630000、目前保額 9810000。 | 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。
參數的部分這樣對：`annual_income`（被保險人年收入）帶 1000000。`existing_coverage`（既有壽險保額）帶 9810000。`outstanding_liabilities` 就是未償負債，這裡填 15630000。注意 `existing_coverage` 的型別是 int，不要寫成字串。
檢查一遍沒有遺漏必要參數，就照 schema 回傳。 | [{"name": "life_insurance_gap", "arguments": {"annual_income": 1000000, "existing_coverage": 9810000, "outstanding_liabilities": 15630000}}] | [
{
"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\": {\... |
100,006 | Screen a cash_withdrawal of 15000000 USD to KH for a medium risk customer under Taiwan AML rules. | [{"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": {"descript... | 客戶要現金提領 15000000 元（USD），對方國別 KH，風險等級 medium，需要做大額通報嗎？ | 先看清楚使用者要什麼。這題是要判斷一筆交易是否需要洗錢防制申報，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 `aml_transaction_screening`，因為它就是用來執行洗錢防制檢核的。
接著逐一對應參數：`amount` 就是交易金額，這裡填 15000000。`transaction_type`（交易類型）帶 "cash_withdrawal"。幣別對應到 `currency`，值是 "USD"。`counterparty_country` 設為 "KH"，也就是題目說的交易對手國別。`customer_risk_level`（客戶風險等級）帶 "me... | [{"name": "aml_transaction_screening", "arguments": {"amount": 15000000, "transaction_type": "cash_withdrawal", "currency": "USD", "counterparty_country": "KH", "customer_risk_level": "medium"}}] | [
{
"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\": {\... |
100,007 | Get a credit bureau report with a 12-month inquiry window. | [{"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": ... | 調一份信用貸款用的聯合徵信中心信用報告（full），回溯 12 個月。 | 使用者的問題是申請聯徵信用報告。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 `jcic_credit_report` 的描述對應調閱聯徵信用報告，所以選它。
參數的部分這樣對：`query_purpose` 設為 "personal_loan"，也就是題目說的查詢目的。`report_type` 就是報告種類，這裡填 "full"。`recent_inquiries_months` 就是被查詢紀錄回溯月數，這裡填 12。
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。
格式上以 tool_call 包... | [{"name": "jcic_credit_report", "arguments": {"query_purpose": "personal_loan", "report_type": "full", "recent_inquiries_months": 12}}] | [
{
"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\": {\... |
100,008 | What is the protected and unprotected amount at 台灣銀行 given deposits of 2430000 and 1920000? | [{"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.", "... | 請問我在 台灣銀行 的存款有多少受到存款保險保障？台幣 2430000、外幣折算 1920000。 | 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，`twse_quote_lookup`、`fx_rate_lookup` 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。
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 "台灣銀行"。台幣存款餘額對應到 `ntd_deposit`，值是 2430000。`fx_deposit_twd_equiv` 設為 1920000，也就是題目說的外幣存款折台幣金額。
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。
格式上以 tool_call 包住 JSO... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "台灣銀行", "ntd_deposit": 2430000, "fx_deposit_twd_equiv": 1920000}}] | [
{
"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\": {\... |
100,010 | How much does a 0.0081 TER cost me on 2600000 across 14 years? | [{"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": ... | 請比較有無內扣費用的差異：本金 2600000、費用率 0.0081、年限 14、毛報酬 0.06。 | 好的，我來拆解這個需求。使用者想量化基金內扣費用對長期報酬的侵蝕，掃過 3 個工具後，`emergency_fund_target`、`jcic_credit_report` 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。
然後把使用者給的條件填進參數：`principal`（投入本金）帶 2600000。`expense_ratio`（總開銷（內扣）費用率）帶 0.0081。`years` 設為 14，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。
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，... | [{"name": "expense_ratio_drag", "arguments": {"principal": 2600000, "expense_ratio": 0.0081, "years": 14, "gross_annual_return": 0.06}}] | [
{
"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\": {\... |
100,011 | What does 'TISA 台灣個人投資儲蓄帳戶' mean? Target audience: professional. | [{"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": "Tota... | 什麼是TISA 台灣個人投資儲蓄帳戶？我是從業人員，麻煩用繁體中文說明。 | 使用者的問題是解釋一個金融名詞。工具清單裡有 3 個函式，其中 `dividend_tax_compare`、`estate_tax_calc` 分別處理稅務試算，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。
然後把使用者給的條件填進參數：要解釋的金融名詞對應到 `term`，值是 "TISA 台灣個人投資儲蓄帳戶"。`audience_level`（受眾程度）帶 "professional"。`language`（輸出語言）帶 "zh-TW"。
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。
確認 JSON 格式正確、引號與逗... | [{"name": "financial_term_explain", "arguments": {"term": "TISA 台灣個人投資儲蓄帳戶", "audience_level": "professional", "language": "zh-TW"}}] | [
{
"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\": {\... |
100,012 | Pull 期貨交易理論 exam items (medium) from the 期貨商業務員 question bank, 5 items. | [{"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... | 調 期貨商業務員 題庫：科目 期貨交易理論、題數 5、難度 medium。 | 好的，我來拆解這個需求。使用者想取得金融證照的歷屆試題，共有 3 個候選函式。`retirement_gap_analysis`、`financial_term_explain` 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。
然後把使用者給的條件填進參數：`license` 就是證照名稱，這裡填 "期貨商業務員"。`topic` 就是科目主題，這裡填 "期貨交易理論"。題數對應到 `count`，值是 5。`difficulty`（難度）帶 "medium"。型別上 `count` 是 int，格式別弄錯。
另外要記住的規則：台灣金融證照題庫來源包含台灣... | [{"name": "license_exam_question_bank", "arguments": {"license": "期貨商業務員", "topic": "期貨交易理論", "count": 5, "difficulty": "medium"}}] | [
{
"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\": {\... |
100,013 | Compute interest on a 4560000 TWD time deposit at 1.717% for 12 months, simple. Also, time deposit math: principal 3980000, rate 1.293, months 6, compounding monthly_compound. Additionally, time deposit math: principal 3540000, rate 1.375, months 12, compounding simple. | [{"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", "d... | 我在台灣銀行存 456 萬定存，年利率 1.717%、12 個月、機動利率、單利存本取息，到期利息多少？另外，請計算定期存款利息，金額 3980000 元，年息 1.293%，存 6 個月。同時，請計算定期存款利息，金額 3540000 元，年息 1.375%，存 12 個月。 | 好的，我來拆解這個需求。使用者想算定期存款的到期利息，掃過 2 個工具後，`mortgage_amortization` 明顯屬於其他業務範疇；`time_deposit_interest` 才是負責計算定存利息的那一個，就用它。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。
參數的部分這樣對：`principal` 設為 4560000，也就是題目說的存款本金。`annual_rate`（年利率（%））帶 1.717。存期月數對應到 `months`，值是 12。`interest_type` 就是固定或機動利率，這裡填 "floating"。`compounding` 就是計息方式，... | [{"name": "time_deposit_interest", "arguments": {"principal": 4560000, "annual_rate": 1.717, "months": 12, "interest_type": "floating", "compounding": "simple"}}, {"name": "time_deposit_interest", "arguments": {"principal": 3980000, "annual_rate": 1.293, "months": 6, "compounding": "monthly_compound"}}, {"name": "time_... | [
{
"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\": {\... |
100,015 | Retirement planning: age 31, retire 65, expense 50000, savings 5500000. Additionally, retrieve the spot_buy board rate of CNY at 華南銀行. | [{"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.", "parame... | 幫我做退休缺口分析，31 歲、預計 65 歲退休、活到 85 歲、通膨 0.02。順便也幫我看：華南銀行的人民幣即期買入是多少？換算成 TWD。 | 先看清楚使用者要什麼。這題是要分析退休金缺口，可用函式只有 `retirement_gap_analysis` 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；第二段要查銀行牌告匯率，對應的是 `fx_rate_lookup`。
把題目資訊映射到函式參數：`current_age`（目前年齡）帶 31。`retirement_age`（預計退休年齡）帶 65。`monthly_expense_today`（今日幣值的每月支出）帶 50000。`current_savings` 設為 5500000，也就是題目說的現有退休準備金。`inflation_rate` 就是假設通膨率，這裡填 0.02。... | [{"name": "retirement_gap_analysis", "arguments": {"current_age": 31, "retirement_age": 65, "monthly_expense_today": 50000, "current_savings": 5500000, "inflation_rate": 0.02, "life_expectancy": 85}}, {"name": "fx_rate_lookup", "arguments": {"base_currency": "CNY", "quote_currency": "TWD", "bank": "華南銀行", "rate_type": ... | [
{
"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\": {\... |
100,017 | Look up the spot_buy rate for KRW against TWD at 彰化銀行. | [{"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", "defau... | 請查彰化銀行今天韓元（KRW）兌台幣的即期買入匯率。 | 收到，使用者需要的是查銀行牌告匯率。共有 4 個候選函式。`gift_tax_calc`、`time_deposit_interest`、`price_limit_range` 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。
然後把使用者給的條件填進參數：外幣幣別對應到 `base_currency`，值是 "KRW"。計價幣別對應到 `quote_currency`，值是 "TWD"。`bank` 就是查詢的銀行，這裡填 "彰化銀行"。牌告匯率種類對應到 `rate_type`，值是 "spot_buy"。
檢查一遍沒有遺漏必要參數，就照 schema 回傳。 | [{"name": "fx_rate_lookup", "arguments": {"base_currency": "KRW", "quote_currency": "TWD", "bank": "彰化銀行", "rate_type": "spot_buy"}}] | [
{
"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\": {\... |
100,018 | What is the all-in cost of buying 2000 shares of 2382 at NT$974.8 (discount 0.28, day_trade False)? | [{"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 T... | 成交價 974.8 元、2000 股、買進、手續費 0.28 折數、非當沖，交易成本是多少？ | 讓我理一下。需求是試算一筆台股買賣的手續費與證交稅，掃過 2 個工具後，`bond_price_from_ytm` 明顯屬於其他業務範疇；`stock_trade_cost` 才是負責計算台股交易成本的那一個，就用它。
然後把使用者給的條件填進參數：每股成交價對應到 `price`，值是 974.8。`shares`（股數）帶 2000。`side` 就是買賣方向，這裡填 "buy"。手續費折扣倍數對應到 `discount`，值是 0.28。`day_trade`（是否為現股當沖）帶 false。`discount` 要用 float 型別傳入。
格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。 | [{"name": "stock_trade_cost", "arguments": {"price": 974.8, "shares": 2000, "side": "buy", "discount": 0.28, "day_trade": false}}] | [
{
"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\": {\... |
100,019 | Estimate inheritance tax for an estate worth 56360000 TWD. And also, how much estate tax is payable on 90540000 TWD with 3 children and spouse 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": {"descrip... | 幫我算遺產稅，遺產總額 56360000，配偶 True，卑親屬 2 人。同時，請試算遺產稅：財產 90540000 元、配偶 True、子女 3 位、父母 1 位、喪葬費 1380000。 | 讓我理一下。需求是試算遺產稅，掃過 3 個工具後，`etf_dividend_yield`、`dividend_tax_compare` 明顯屬於其他業務範疇；`estate_tax_calc` 才是負責計算遺產稅的那一個，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。
參數的部分這樣對：遺產總額對應到 `gross_estate`，值是 56360000。`spouse` 設為 true，也就是題目說的是否有配偶。`lineal_descendants`（直系血親卑親屬人數）帶 2。
第二組條件則是：`gross_estate`（遺產總額）帶 90540000。是否有配偶對應... | [{"name": "estate_tax_calc", "arguments": {"gross_estate": 56360000, "spouse": true, "lineal_descendants": 2}}, {"name": "estate_tax_calc", "arguments": {"gross_estate": 90540000, "spouse": true, "lineal_descendants": 3, "parents": 1, "funeral_expense": 1380000}}] | [
{
"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\": {\... |
100,020 | Amortize a 9120000 loan at 2.458% for 20 years using equal_total. Also, calculate the securities transaction tax on selling 8210000 TWD of corporate_bond_etf, day_trade=True. | [{"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 ... | 房貸試算：本金 9120000 元、年利率 2.458%、期間 20 年、寬限期 0 年、方式 equal_total。順便也幫我看：我賣出 821 萬元的債券型ETF，屬於當沖，證交稅要繳多少？ | 好的，我來拆解這個需求。使用者想試算房貸月付金與總利息，可用函式只有 `mortgage_amortization` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。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`。
然後把使用者給的條件填進參數：`principal` 就是貸款本金，這裡填 9120000。年利率（%）對應到 `annual_rate`，值是 2.458。`years` 設為 20，也就是題目說的貸款年限。`grace_period_years`（寬限期年數）帶 0。`method` 設為 "equal_total"，也就是題... | [{"name": "mortgage_amortization", "arguments": {"principal": 9120000, "annual_rate": 2.458, "years": 20, "grace_period_years": 0, "method": "equal_total"}}, {"name": "securities_transaction_tax", "arguments": {"amount": 8210000, "security_type": "corporate_bond_etf", "day_trade": true}}] | [
{
"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\": {\... |
100,021 | Compute the 114 individual income tax bill: income 1600000, status single, deduction itemized. | [{"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.",... | 幫我算綜所稅：所得總額 1600000、申報身分 single、扶養人數 1、扣除方式 itemized、年度 114。 | 這個請求的重點在於試算個人綜合所得稅，共有 4 個候選函式。`labor_pension_fund_projection`、`license_exam_question_bank`、`gift_tax_calc` 的功能與本題情境不符，正確的是 `income_tax_estimate`，因為它就是用來估算綜所稅的。
參數的部分這樣對：`annual_income` 就是全年所得總額，這裡填 1600000。`filing_status`（申報身分）帶 "single"。扶養親屬人數對應到 `dependents`，值是 1。`deduction_type`（扣除額方式）帶 "itemized"。`tax_year`（民國年度）帶... | [{"name": "income_tax_estimate", "arguments": {"annual_income": 1600000, "filing_status": "single", "dependents": 1, "deduction_type": "itemized", "tax_year": 114}}] | [
{
"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\": {\... |
100,022 | Compute required retirement corpus and monthly savings for this profile. | [{"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": {"descrip... | 我 39 歲、62 歲退休（還有 23 年），每月要花 3 萬（今日幣值），手上 1680000 元，報酬抓 0.04、通膨 0.015、活到 85 歲，請算缺口與每月該存多少。 | 讓我理一下。需求是分析退休金缺口，先排除不相干的選項：`etf_dividend_yield`、`margin_trading_calc` 是台股交易、基金與 ETF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。
把題目資訊映射到函式參數：`current_age` 設為 39，也就是題目說的目前年齡。`retirement_age` 設為 62，也就是題目說的預計退休年齡。`monthly_expense_today` 就是今日幣值的每月支出，這裡填 30000。`current_savings` 設為 1680000，也就是題目說的現有退休準備金。`annual_ret... | [{"name": "retirement_gap_analysis", "arguments": {"current_age": 39, "retirement_age": 62, "monthly_expense_today": 30000, "current_savings": 1680000, "annual_return": 0.04, "inflation_rate": 0.015, "life_expectancy": 85}}] | [
{
"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\": {\... |
100,023 | Is the 2.11% supplementary premium withheld on a 30000 TWD part_time_salary payment? | [{"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... | 補充保費試算：所得類別 part_time_salary、金額 30000 元、投保薪資 40100。 | 收到，使用者需要的是算二代健保補充保費要扣多少。先排除不相干的選項：`etf_dividend_yield`、`labor_insurance_annuity` 是勞健保與退休金、基金與 ETF用的，都不符合。剩下 `nhi_supplementary_premium` 才是處理計算補充保費的函式。
參數的部分這樣對：所得類別對應到 `income_type`，值是 "part_time_salary"。`amount` 設為 30000，也就是題目說的單次給付金額。`monthly_insured_salary`（月投保金額）帶 40100。
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。
格式上以... | [{"name": "nhi_supplementary_premium", "arguments": {"income_type": "part_time_salary", "amount": 30000, "monthly_insured_salary": 40100}}] | [
{
"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\": {\... |
100,024 | Credit card interest math: balance 230000, apr 12.14, days 15, min payment 0.1. In addition, compute revolving credit interest on a 130000 TWD balance at 12.04% APR over 15 days. And also, how much interest accrues on 60000 of credit card revolving debt at 8.12% for 90 days? | [{"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": {"descripti... | 請算信用卡循環信用利息，未清償餘額 230000、年利率 12.14%、期間 15 天。順便也幫我看：我國泰世華信用卡欠 130000 元動用循環信用，年利率 12.04%，15 天的利息是多少？合法嗎？同時，循環利息試算：餘額 60000 元、循環利率 8.12%、90 天、最低應繳比率 0.1。 | 先看清楚使用者要什麼。這題是要算信用卡循環信用利息，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 `credit_card_revolving_interest`，因為它就是用來計算循環信用利息的。這題有 3 組條件要比較，必須分成 3 個獨立的函式呼叫。
把題目資訊映射到函式參數：`balance` 設為 230000，也就是題目說的循環信用未清償餘額。`apr`（循環信用年利率（%））帶 12.14。`days`（計息天數）帶 15。最低應繳比率對應到 `min_payment_rate`，值是 0.1。
第二組條件則是：循環信用未清償餘額對應到 `balance`，值是 ... | [{"name": "credit_card_revolving_interest", "arguments": {"balance": 230000, "apr": 12.14, "days": 15, "min_payment_rate": 0.1}}, {"name": "credit_card_revolving_interest", "arguments": {"balance": 130000, "apr": 12.04, "days": 15}}, {"name": "credit_card_revolving_interest", "arguments": {"balance": 60000, "apr": 8.12... | [
{
"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\": {\... |
100,027 | What does 信託業法 Article 24 say? Include amendment history: True. | [{"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... | 信託業法 第 24 條在講什麼？麻煩調全國法規資料庫。 | 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，目前只有一個可用函式 `taiwan_regulation_lookup`，功能描述正好對應這個需求，所以直接用它。
參數的部分這樣對：法規名稱對應到 `law_name`，值是 "信託業法"。`article`（條號）帶 24。`include_amendments`（是否包含修正沿革）帶 true。
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。
最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Markdown。 | [{"name": "taiwan_regulation_lookup", "arguments": {"law_name": "信託業法", "article": 24, "include_amendments": true}}] | [
{
"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\": {\... |
100,028 | Look up TAIEX_TR data for 2026-01-15, fields ['open', 'high', 'low', 'close', 'volume']. | [{"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', 'inter... | 請查 發行量加權股價報酬指數（TAIEX_TR）在 2026-01-15 的open、high、low、close、volume。 | 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，工具清單裡有 2 個函式，其中 `financial_term_explain` 分別處理金融知識查詢，跟這題無關；只有 `market_index_lookup` 的描述對應查詢市場指數，所以選它。
接著逐一對應參數：`index_name`（指數代碼）帶 "TAIEX_TR"。`date` 設為 "2026-01-15"，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"]。注意 `fields` 的型別是 list，不要寫成字串。
另外要記住的規則：加權指數不含股利，... | [{"name": "market_index_lookup", "arguments": {"index_name": "TAIEX_TR", "date": "2026-01-15", "fields": ["open", "high", "low", "close", "volume"]}}] | [
{
"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\": {\... |
100,029 | Compute the Taiwan labor insurance old-age annuity for average insured salary 45800, 19 years of seniority, claim age offset -5. | [{"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": "... | 我平均月投保薪資 45800 元、年資 19 年，提前 5 年請領，勞保老年年金每月能領多少？ | 先看清楚使用者要什麼。這題是要試算勞保老年年金月領金額，掃過 3 個工具後，`bond_price_from_ytm`、`license_exam_question_bank` 明顯屬於其他業務範疇；`labor_insurance_annuity` 才是負責計算勞保年金給付的那一個，就用它。
接下來確認每個參數要帶什麼：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 19。`claim_age_offset` 就是相對法定請領年齡的年數差，這裡填 -5。
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 ... | [{"name": "labor_insurance_annuity", "arguments": {"avg_insured_salary": 45800, "service_years": 19, "claim_age_offset": -5}}] | [
{
"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\": {\... |
100,030 | Which dividend tax option is cheaper: 730000 dividends, 2810000 other income, married_joint? | [{"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": "Tota... | 股利 730000 元、其他所得 2810000 元、夫妻合併申報，請比較兩種股利課稅方式哪個划算。 | 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，共有 3 個候選函式。`expense_ratio_drag`、`emergency_fund_target` 的功能與本題情境不符，正確的是 `dividend_tax_compare`，因為它就是用來比較兩種股利課稅方式的。
參數的部分這樣對：`dividend_amount`（全年股利所得）帶 730000。股利以外的所得對應到 `other_income`，值是 2810000。申報身分對應到 `filing_status`，值是 "married_joint"。
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。
... | [{"name": "dividend_tax_compare", "arguments": {"dividend_amount": 730000, "other_income": 2810000, "filing_status": "married_joint"}}] | [
{
"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\": {\... |
100,031 | Compute debt burden ratio: income 210000, debt 280000, new loan 2940000. Additionally, check unsecured borrowing capacity for this applicant profile. | [{"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": ... | DBR 22 倍試算：收入 210000、負債 280000、新增貸款 2940000。同時，月入 16 萬要申請 2930000 元信貸，目前無擔保負債 2710000，過得了嗎？ | 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。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。
把題目資訊映射到函式參數：平均月收入對應到 `monthly_income`，值是 210000。`unsecured_debt_balance` 就是無擔保負債餘額，這裡填 280000。`new_loan_amount`（擬申請的新貸款金額）帶 2940000。
第二組條件則是：平均月收入對應到 `mont... | [{"name": "credit_capacity_dbr", "arguments": {"monthly_income": 210000, "unsecured_debt_balance": 280000, "new_loan_amount": 2940000}}, {"name": "credit_capacity_dbr", "arguments": {"monthly_income": 160000, "unsecured_debt_balance": 2710000, "new_loan_amount": 2930000}}] | [
{
"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\": {\... |
100,032 | Retrieve the spot_buy board rate of USD at 星展銀行(台灣). Additionally, determine the reserve gap given liquid assets of 80000. | [{"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", "defaul... | 星展銀行(台灣)的美元即期買入是多少？換算成 TWD。另外，工作穩定的話緊急預備金要抓幾個月？我月花 100000，現金 80000。 | 先看清楚使用者要什麼。這題是要查銀行牌告匯率，先排除不相干的選項：`estate_tax_calc`、`foreign_currency_deposit_return` 是外匯、稅務試算用的，都不符合。剩下 `fx_rate_lookup` 才是處理查詢外匯牌告匯率的函式。問題其實包了兩個不同的需求；第二段要算緊急預備金該準備多少，對應的是 `emergency_fund_target`。
然後把使用者給的條件填進參數：外幣幣別對應到 `base_currency`，值是 "USD"。`quote_currency`（計價幣別）帶 "TWD"。`bank` 就是查詢的銀行，這裡填 "星展銀行(台灣)"。牌告匯率種類對應到 `rat... | [{"name": "fx_rate_lookup", "arguments": {"base_currency": "USD", "quote_currency": "TWD", "bank": "星展銀行(台灣)", "rate_type": "spot_buy"}}, {"name": "emergency_fund_target", "arguments": {"monthly_expense": 100000, "job_stability": "stable", "current_liquid_assets": 80000}}] | [
{
"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\": {\... |
100,033 | Compute future value of monthly contributions of 15000 over 12 years. | [{"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.", "parame... | 每個月扣 15000 元投資 00679B，投 12 年、年報酬 7.0%，總值和總投入各多少？ | 讓我理一下。需求是推估定期定額的終值，共有 2 個候選函式。`retirement_gap_analysis` 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。
參數的部分這樣對：`monthly_amount`（每月扣款金額）帶 15000。假設年化報酬率對應到 `annual_return`，值是 0.07。投資年數對應到 `years`，值是 12。累積標的代號對應到 `symbol`，值是 "00679B"。型別上 `annual_return` 是 float，格式別弄錯。
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... | [{"name": "regular_investment_projection", "arguments": {"monthly_amount": 15000, "annual_return": 0.07, "years": 12, "symbol": "00679B"}}] | [
{
"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\": {\... |
100,034 | What were the open, high, low, close and volume of 2886 on 2026-05-26 at TWSE? | [{"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.", "... | 我想知道 兆豐金（2886）2026-05-26 在 TWSE 的開高低收和成交量。 | 這個請求的重點在於查詢某檔台股在特定交易日的行情，工具清單裡有 2 個函式，其中 `securities_transaction_tax` 分別處理台股交易，跟這題無關；只有 `twse_quote_lookup` 的描述對應抓取台股日成交資料，所以選它。
接下來確認每個參數要帶什麼：`symbol`（股票代號）帶 "2886"。`date` 設為 "2026-05-26"，也就是題目說的交易日期。市場別對應到 `market`，值是 "TWSE"。
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。
格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。 | [{"name": "twse_quote_lookup", "arguments": {"symbol": "2886", "date": "2026-05-26", "market": "TWSE"}}] | [
{
"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\": {\... |
100,035 | Define '淨值比' for a intermediate reader. Also, define '本益比' for a intermediate reader. In addition, what does '淨值比' mean? Target audience: professional. | [{"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 proce... | 「淨值比」是什麼意思？請給台灣市場的實例。同時，「本益比」是什麼意思？請給台灣市場的實例。還有，什麼是淨值比？我是從業人員，麻煩用繁體中文說明。 | 這個請求的重點在於解釋一個金融名詞，先排除不相干的選項：`securities_transaction_tax` 是台股交易用的，都不符合。剩下 `financial_term_explain` 才是處理解釋金融名詞的函式。這題有 3 組條件要比較，必須分成 3 個獨立的函式呼叫。
接下來確認每個參數要帶什麼：`term` 就是要解釋的金融名詞，這裡填 "淨值比"。`audience_level` 就是受眾程度，這裡填 "intermediate"。
第二組條件則是：要解釋的金融名詞對應到 `term`，值是 "本益比"。受眾程度對應到 `audience_level`，值是 "intermediate"。
另外要記住的規則：... | [{"name": "financial_term_explain", "arguments": {"term": "淨值比", "audience_level": "intermediate"}}, {"name": "financial_term_explain", "arguments": {"term": "本益比", "audience_level": "intermediate"}}, {"name": "financial_term_explain", "arguments": {"term": "淨值比", "audience_level": "professional", "language": "zh-TW"}}... | [
{
"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\": {\... |
100,037 | What is my monthly mortgage payment on 12840000 at 2.384% for 40 years? | [{"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 ... | 貸 1284 萬買房，40 年、2.384%、無寬限期，寬限期內和期滿後月付金各多少？ | 收到，使用者需要的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。
接下來確認每個參數要帶什麼：`principal` 設為 12840000，也就是題目說的貸款本金。年利率（%）對應到 `annual_rate`，值是 2.384。`years`（貸款年限）帶 40。`grace_period_years` 就是寬限期年數，這裡填 0。
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。
所有參數都有明確來源，沒有需要臆測的值，可以輸出了。 | [{"name": "mortgage_amortization", "arguments": {"principal": 12840000, "annual_rate": 2.384, "years": 40, "grace_period_years": 0}}] | [
{
"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\": {\... |
100,038 | Compute the emergency fund target for 140000 monthly expenses over 9 months with moderate job stability. | [{"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 proce... | 我每月開銷 140000 元，工作普通，想準備 9 個月的緊急預備金，目前有 210000，還差多少？ | 收到，使用者需要的是算緊急預備金該準備多少。掃過 2 個工具後，`securities_transaction_tax` 明顯屬於其他業務範疇；`emergency_fund_target` 才是負責計算緊急預備金目標的那一個，就用它。
參數的部分這樣對：`monthly_expense` 就是每月生活支出，這裡填 140000。`months_of_coverage`（要覆蓋的月數）帶 9。工作穩定度對應到 `job_stability`，值是 "moderate"。現有流動資產對應到 `current_liquid_assets`，值是 210000。`monthly_expense` 要用 int 型別傳入。
確認 JSO... | [{"name": "emergency_fund_target", "arguments": {"monthly_expense": 140000, "months_of_coverage": 9, "job_stability": "moderate", "current_liquid_assets": 210000}}] | [
{
"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\": {\... |
100,039 | Time deposit math: principal 150000, rate 1.634, months 3, compounding monthly_compound. | [{"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", "d... | 請計算定期存款利息，金額 150000 元，年息 1.634%，存 3 個月。 | 讓我理一下。需求是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。
把題目資訊映射到函式參數：`principal`（存款本金）帶 150000。`annual_rate`（年利率（%））帶 1.634。存期月數對應到 `months`，值是 3。`compounding` 設為 "monthly_compound"，也就是題目說的計息方式。
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。
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。 | [{"name": "time_deposit_interest", "arguments": {"principal": 150000, "annual_rate": 1.634, "months": 3, "compounding": "monthly_compound"}}] | [
{
"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\": {\... |
100,041 | Look up the cash_buy rate for EUR against TWD at 中國信託. | [{"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": "... | 請查中國信託今天歐元（EUR）兌台幣的現金買入匯率。 | 好的，我來拆解這個需求。使用者想查銀行牌告匯率，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。
然後把使用者給的條件填進參數：`base_currency` 設為 "EUR"，也就是題目說的外幣幣別。`quote_currency` 設為 "TWD"，也就是題目說的計價幣別。`bank`（查詢的銀行）帶 "中國信託"。`rate_type` 設為 "cash_buy"，也就是題目說的牌告匯率種類。
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。
檢查一遍沒有遺漏必要參數，就照 schema 回傳。 | [{"name": "fx_rate_lookup", "arguments": {"base_currency": "EUR", "quote_currency": "TWD", "bank": "中國信託", "rate_type": "cash_buy"}}] | [
{
"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\": {\... |
100,042 | Retrieve 20 hard past questions on 信託實務 from the 信託業業務人員 examination. | [{"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... | 幫我找 20 題信託業業務人員的「信託實務」考古題，難度 hard。 | 好的，我來拆解這個需求。使用者想取得金融證照的歷屆試題，共有 3 個候選函式。`financial_term_explain`、`fx_rate_lookup` 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。
然後把使用者給的條件填進參數：證照名稱對應到 `license`，值是 "信託業業務人員"。科目主題對應到 `topic`，值是 "信託實務"。題數對應到 `count`，值是 20。`difficulty` 就是難度，這裡填 "hard"。注意 `count` 的型別是 int，不要寫成字串。
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... | [{"name": "license_exam_question_bank", "arguments": {"license": "信託業業務人員", "topic": "信託實務", "count": 20, "difficulty": "hard"}}] | [
{
"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\": {\... |
100,043 | How much of my 960000 deposit at 台灣銀行 is covered by deposit insurance? | [{"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'.", "... | 存保額度查詢：機構 台灣銀行、台幣存款 960000、外幣折台 3800000、含息 True。 | 讓我理一下。需求是確認存款受存款保險保障的額度，共有 3 個候選函式。`kyc_risk_rating`、`price_limit_range` 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。
把題目資訊映射到函式參數：`bank` 就是要保機構名稱，這裡填 "台灣銀行"。台幣存款餘額對應到 `ntd_deposit`，值是 960000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 3800000。`include_interest` 就是是否含累計利息，這裡填 true。注意 `include_interest` 的型別是... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "台灣銀行", "ntd_deposit": 960000, "fx_deposit_twd_equiv": 3800000, "include_interest": true}}] | [
{
"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\": {\... |
100,044 | Calculate cash yield: ETF 00687B, price 41.96, annual dividend 0.74. | [{"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": "... | 我想知道 國泰20年美債 的現金殖利率，目前 41.96 元，一年配 0.74 元（季配）。 | 讓我理一下。需求是算一檔 ETF 的現金殖利率，工具清單裡有 4 個函式，其中 `fx_rate_lookup`、`kyc_risk_rating`、`price_limit_range` 分別處理台股交易、外匯、法令遵循，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。
接下來確認每個參數要帶什麼：`symbol`（ETF 代號）帶 "00687B"。`price` 設為 41.96，也就是題目說的每單位市價。`annual_dividend` 就是全年每單位配息，這裡填 0.74。`frequency` 設為 "quarterly"，也就是題目說的配息頻率。注意 `an... | [{"name": "etf_dividend_yield", "arguments": {"symbol": "00687B", "price": 41.96, "annual_dividend": 0.74, "frequency": "quarterly"}}] | [
{
"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\": {\... |
100,045 | How much of my 2850000 deposit at 兆豐銀行 is covered by deposit insurance? | [{"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', 'inter... | 存保額度查詢：機構 兆豐銀行、台幣存款 2850000、外幣折台 2310000、含息 True。 | 收到，使用者需要的是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 `financial_term_explain`、`labor_pension_fund_projection` 分別處理勞健保與退休金、金融知識查詢，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。
參數的部分這樣對：要保機構名稱對應到 `bank`，值是 "兆豐銀行"。`ntd_deposit` 設為 2850000，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。`include_interest` 就... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "兆豐銀行", "ntd_deposit": 2850000, "fx_deposit_twd_equiv": 2310000, "include_interest": true}}] | [
{
"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\": {\... |
100,046 | Emergency fund sizing: expense 150000, coverage 6, stability volatile. | [{"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": "... | 請算我的預備金目標，月開銷 150000，目標 6 個月。 | 這個請求的重點在於算緊急預備金該準備多少，共有 3 個候選函式。`bond_price_from_ytm`、`life_insurance_gap` 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。
然後把使用者給的條件填進參數：每月生活支出對應到 `monthly_expense`，值是 150000。`months_of_coverage` 就是要覆蓋的月數，這裡填 6。`job_stability` 設為 "volatile"，也就是題目說的工作穩定度。
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。
確認... | [{"name": "emergency_fund_target", "arguments": {"monthly_expense": 150000, "months_of_coverage": 6, "job_stability": "volatile"}}] | [
{
"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\": {\... |
100,047 | Estimate the new-system labor pension balance: wage 63800, employer 0.06, years 15. | [{"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.",... | 我薪水 63800，想自提 2%，到退休還有 15 年，假設年報酬 3.0%，退休金專戶有多少？ | 先看清楚使用者要什麼。這題是要推估勞退新制個人專戶的累積金額，工具清單裡有 3 個函式，其中 `income_tax_estimate`、`stock_trade_cost` 分別處理台股交易、稅務試算，跟這題無關；只有 `labor_pension_fund_projection` 的描述對應推估勞退專戶餘額，所以選它。
然後把使用者給的條件填進參數：`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`（勞工自願提繳率）帶 0.02。`years` 設為 15，也就是題目說的提繳年數。假設年化報... | [{"name": "labor_pension_fund_projection", "arguments": {"monthly_wage": 63800, "employer_rate": 0.06, "self_contribution_rate": 0.02, "years": 15, "annual_return": 0.03}}] | [
{
"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\": {\... |
100,048 | What is the clean price of a 1.268% bond maturing in 10 years at a 1.102% yield? | [{"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": "... | 請幫我算債券價格：面額 10000000、票面 1.268%、年期 10、YTM 1.102%、每年付息 1 次。 | 這個請求的重點在於由殖利率反推債券價格，工具清單裡有 2 個函式，其中 `mortgage_amortization` 分別處理銀行存放款，跟這題無關；只有 `bond_price_from_ytm` 的描述對應做債券評價，所以選它。
接著逐一對應參數：債券面額對應到 `face_value`，值是 10000000。`coupon_rate` 就是票面利率（%），這裡填 1.268。剩餘到期年數對應到 `years_to_maturity`，值是 10。`ytm`（到期殖利率（%））帶 1.102。`coupon_frequency` 就是每年付息次數，這裡填 1。
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... | [{"name": "bond_price_from_ytm", "arguments": {"face_value": 10000000, "coupon_rate": 1.268, "years_to_maturity": 10, "ytm": 1.102, "coupon_frequency": 1}}] | [
{
"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\": {\... |
100,049 | Retrieve 5 hard past questions on 內部控制制度 from the 期貨商業務員 examination. | [{"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": "Tota... | 幫我找 5 題期貨商業務員的「內部控制制度」考古題，難度 hard。 | 使用者的問題是取得金融證照的歷屆試題。工具清單裡有 2 個函式，其中 `dividend_tax_compare` 分別處理稅務試算，跟這題無關；只有 `license_exam_question_bank` 的描述對應調閱證照題庫，所以選它。
接著逐一對應參數：`license` 設為 "期貨商業務員"，也就是題目說的證照名稱。`topic`（科目主題）帶 "內部控制制度"。題數對應到 `count`，值是 5。`difficulty`（難度）帶 "hard"。
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。
最後只要輸出純 JSON 的函式呼叫，不加任何多餘說明或 Mark... | [{"name": "license_exam_question_bank", "arguments": {"license": "期貨商業務員", "topic": "內部控制制度", "count": 5, "difficulty": "hard"}}] | [
{
"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\": {\... |
100,050 | Compute Taiwan STT for proceeds of 6890000 on warrant, day_trade False. | [{"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... | 權證成交 6890000 元賣出（一般交易），證交稅是多少？ | 好的，我來拆解這個需求。使用者想算賣出時要繳的證券交易稅，先排除不相干的選項：`license_exam_question_bank`、`estate_tax_calc` 是稅務試算、金融知識查詢用的，都不符合。剩下 `securities_transaction_tax` 才是處理計算證交稅的函式。
參數的部分這樣對：`amount` 就是賣出成交金額，這裡填 6890000。商品類別對應到 `security_type`，值是 "warrant"。`day_trade`（是否當沖）帶 false。型別上 `day_trade` 是 bool，格式別弄錯。
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%... | [{"name": "securities_transaction_tax", "arguments": {"amount": 6890000, "security_type": "warrant", "day_trade": false}}] | [
{
"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\": {\... |
100,051 | Does a 15000000 JPY cash_withdrawal trigger a large transaction report? | [{"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... | 洗錢防制檢核：金額 15000000、交易類型 cash_withdrawal、幣別 JPY、交易對手國 PA、客戶風險 low。 | 先看清楚使用者要什麼。這題是要判斷一筆交易是否需要洗錢防制申報，先排除不相干的選項：`taiwan_regulation_lookup` 是法令遵循用的，都不符合。剩下 `aml_transaction_screening` 才是處理執行洗錢防制檢核的函式。
接著逐一對應參數：`amount` 設為 15000000，也就是題目說的交易金額。`transaction_type`（交易類型）帶 "cash_withdrawal"。`currency`（幣別）帶 "JPY"。`counterparty_country`（交易對手國別）帶 "PA"。`customer_risk_level`（客戶風險等級）帶 "low"。型別上 `am... | [{"name": "aml_transaction_screening", "arguments": {"amount": 15000000, "transaction_type": "cash_withdrawal", "currency": "JPY", "counterparty_country": "PA", "customer_risk_level": "low"}}] | [
{
"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\": {\... |
100,052 | Which dividend tax option is cheaper: 960000 dividends, 2270000 other income, single? | [{"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": "Tota... | 股利 960000 元、其他所得 2270000 元、單身，請比較兩種股利課稅方式哪個划算。 | 讓我理一下。需求是比較股利合併計稅與分開計稅哪個省，掃過 2 個工具後，`house_land_capital_gains_tax` 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。
接下來確認每個參數要帶什麼：`dividend_amount` 就是全年股利所得，這裡填 960000。`other_income` 設為 2270000，也就是題目說的股利以外的所得。`filing_status` 設為 "single"，也就是題目說的申報身分。注意 `other_income` 的型別是 int，不要寫成字串。
另外要記住的規則：邊際稅率 20% 以下通常合併計... | [{"name": "dividend_tax_compare", "arguments": {"dividend_amount": 960000, "other_income": 2270000, "filing_status": "single"}}] | [
{
"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\": {\... |
100,053 | Get the central bank accommodations_without_collateral level effective 2026-09-01. | [{"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", ... | 幫我調中央銀行短期融通利率，基準日 2026-09-01。 | 先看清楚使用者要什麼。這題是要查中央銀行政策利率，先排除不相干的選項：`retirement_gap_analysis`、`price_limit_range`、`dividend_tax_compare` 是台股交易、稅務試算、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。
把題目資訊映射到函式參數：政策利率種類對應到 `rate_type`，值是 "accommodations_without_collateral"。基準日期對應到 `as_of_date`，值是 "2026-09-01"。
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。 | [{"name": "cbc_policy_rate_lookup", "arguments": {"rate_type": "accommodations_without_collateral", "as_of_date": "2026-09-01"}}] | [
{
"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\": {\... |
100,054 | Estimate inheritance tax for an estate worth 95620000 TWD. Also, calculate Taiwan estate tax on a gross estate of 180980000 with spouse=False and 0 lineal descendants. And also, how much estate tax is payable on 194270000 TWD with 1 children and spouse False? | [{"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", "defau... | 幫我算遺產稅，遺產總額 95620000，配偶 True，卑親屬 0 人。另外，遺產總額 18098 萬，無配偶，直系血親卑親屬 0 人、父母 0 人，遺產稅要繳多少？順便也幫我看：請試算遺產稅：財產 194270000 元、配偶 False、子女 1 位、父母 2 位、喪葬費 1380000。 | 好的，我來拆解這個需求。使用者想試算遺產稅，共有 4 個候選函式。`bond_price_from_ytm`、`gift_tax_calc`、`kyc_risk_rating` 的功能與本題情境不符，正確的是 `estate_tax_calc`，因為它就是用來計算遺產稅的。使用者一次問了 3 個情境，所以要輸出 3 次呼叫，各自帶不同參數。
參數的部分這樣對：遺產總額對應到 `gross_estate`，值是 95620000。是否有配偶對應到 `spouse`，值是 true。`lineal_descendants`（直系血親卑親屬人數）帶 0。
第二組條件則是：遺產總額對應到 `gross_estate`，值是 180980... | [{"name": "estate_tax_calc", "arguments": {"gross_estate": 95620000, "spouse": true, "lineal_descendants": 0}}, {"name": "estate_tax_calc", "arguments": {"gross_estate": 180980000, "spouse": false, "lineal_descendants": 0, "parents": 0}}, {"name": "estate_tax_calc", "arguments": {"gross_estate": 194270000, "spouse": fa... | [
{
"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\": {\... |
100,056 | Which dividend tax option is cheaper: 720000 dividends, 3990000 other income, single? | [{"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", "... | 股利 720000 元、其他所得 3990000 元、單身，請比較兩種股利課稅方式哪個划算。 | 讓我理一下。需求是比較股利合併計稅與分開計稅哪個省，工具清單裡有 3 個函式，其中 `price_limit_range`、`gift_tax_calc` 分別處理台股交易、稅務試算，跟這題無關；只有 `dividend_tax_compare` 的描述對應比較兩種股利課稅方式，所以選它。
接著逐一對應參數：`dividend_amount`（全年股利所得）帶 720000。`other_income`（股利以外的所得）帶 3990000。`filing_status` 就是申報身分，這裡填 "single"。型別上 `other_income` 是 int，格式別弄錯。
另外要記住的規則：合併計稅可按股利 8.5% 抵減應納稅... | [{"name": "dividend_tax_compare", "arguments": {"dividend_amount": 720000, "other_income": 3990000, "filing_status": "single"}}] | [
{
"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\": {\... |
100,057 | Amortize a 10410000 loan at 2.128% for 20 years using equal_total. Also, mortgage math: 9580000 principal, 2.749 rate, 25 years, grace 0, method 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.... | 房貸試算：本金 10410000 元、年利率 2.128%、期間 20 年、寬限期 0 年、方式 equal_total。順便也幫我看：958 萬房貸 2.749% 分 25 年還，無寬限期，總共要付多少利息？ | 先看清楚使用者要什麼。這題是要試算房貸月付金與總利息，先排除不相干的選項：`deposit_insurance_coverage` 是銀行存放款用的，都不符合。剩下 `mortgage_amortization` 才是處理做房貸攤還試算的函式。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。
然後把使用者給的條件填進參數：貸款本金對應到 `principal`，值是 10410000。`annual_rate` 設為 2.128，也就是題目說的年利率（%）。`years` 就是貸款年限，這裡填 20。`grace_period_years`（寬限期年數）帶 0。`method` 設為 "e... | [{"name": "mortgage_amortization", "arguments": {"principal": 10410000, "annual_rate": 2.128, "years": 20, "grace_period_years": 0, "method": "equal_total"}}, {"name": "mortgage_amortization", "arguments": {"principal": 9580000, "annual_rate": 2.749, "years": 25, "grace_period_years": 0, "method": "equal_total"}}] | [
{
"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\": {\... |
100,058 | What is the all-in cost of selling 19000 shares of 1301 at NT$538.7 (discount 0.35, day_trade True)? Additionally, retrieve 10 easy past questions on 證券交易法規 from the 期貨商業務員 examination. | [{"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%.", "par... | 成交價 538.7 元、19000 股、賣出、手續費 0.35 折數、現股當沖，交易成本是多少？另外，幫我找 10 題期貨商業務員的「證券交易法規」考古題，難度 easy。 | 先看清楚使用者要什麼。這題是要試算一筆台股買賣的手續費與證交稅，先排除不相干的選項：`labor_insurance_annuity` 是勞健保與退休金用的，都不符合。剩下 `stock_trade_cost` 才是處理計算台股交易成本的函式。使用者在後半段還問了另一件事——取得金融證照的歷屆試題，那要另外呼叫 `license_exam_question_bank`。
參數的部分這樣對：`price`（每股成交價）帶 538.7。`shares` 設為 19000，也就是題目說的股數。`side`（買賣方向）帶 "sell"。`discount` 就是手續費折扣倍數，這裡填 0.35。`day_trade` 就是是否為現股當沖，... | [{"name": "stock_trade_cost", "arguments": {"price": 538.7, "shares": 19000, "side": "sell", "discount": 0.35, "day_trade": true}}, {"name": "license_exam_question_bank", "arguments": {"license": "期貨商業務員", "topic": "證券交易法規", "count": 10, "difficulty": "easy"}}] | [
{
"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\": {\... |
100,059 | Compute required retirement corpus and monthly savings for this profile. | [{"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", "defaul... | 我 35 歲、65 歲退休（還有 30 年），每月要花 12 萬（今日幣值），手上 1220000 元，報酬抓 0.04、通膨 0.025、活到 90 歲，請算缺口與每月該存多少。 | 使用者的問題是分析退休金缺口。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 `retirement_gap_analysis` 才是處理做退休缺口分析的函式。
把題目資訊映射到函式參數：`current_age` 設為 35，也就是題目說的目前年齡。預計退休年齡對應到 `retirement_age`，值是 65。`monthly_expense_today` 就是今日幣值的每月支出，這裡填 120000。`current_savings`（現有退休準備金）帶 1220000。假設年化報酬率對應到 `annual_return`，值是 0.04。`inflation_rate`... | [{"name": "retirement_gap_analysis", "arguments": {"current_age": 35, "retirement_age": 65, "monthly_expense_today": 120000, "current_savings": 1220000, "annual_return": 0.04, "inflation_rate": 0.025, "life_expectancy": 90}}] | [
{
"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\": {\... |
100,060 | Compute insurance shortfall given income 660000 and debts 12580000. In addition, how much more life cover do I need using the needs_based method? | [{"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', 'inter... | 請幫我看壽險買夠了沒，年薪 660000、負債 12580000、目前保額 14730000。還有，壽險保額試算：年收入 2090000、扶養年數 25、既有保額 1340000、負債 13510000、方法 needs_based。 | 好的，我來拆解這個需求。使用者想算壽險保額缺口，共有 3 個候選函式。`financial_term_explain`、`securities_transaction_tax` 的功能與本題情境不符，正確的是 `life_insurance_gap`，因為它就是用來評估壽險保障缺口的。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。
接下來確認每個參數要帶什麼：`annual_income` 設為 660000，也就是題目說的被保險人年收入。既有壽險保額對應到 `existing_coverage`，值是 14730000。`outstanding_liabilities`（未償負債）帶 ... | [{"name": "life_insurance_gap", "arguments": {"annual_income": 660000, "existing_coverage": 14730000, "outstanding_liabilities": 12580000}}, {"name": "life_insurance_gap", "arguments": {"annual_income": 2090000, "dependent_years": 25, "existing_coverage": 1340000, "outstanding_liabilities": 13510000, "method": "needs_b... | [
{
"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\": {\... |
100,061 | Compute margin self-payment and the margin-call price for 1000 shares of 2308 at 346.4 with financing ratio 0.4 and maintenance threshold 1.3. | [{"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 proce... | 我想融資買 1 張 台達電（2308），股價 346.4，融資成數 40%，自備款要多少？維持率 1.3 的追繳價是多少？ | 這個請求的重點在於算融資買進的自備款與追繳價，共有 2 個候選函式。`securities_transaction_tax` 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。
然後把使用者給的條件填進參數：`price` 就是每股買進價，這裡填 346.4。`shares`（融資股數）帶 1000。融資成數對應到 `financing_ratio`，值是 0.4。`maintenance_threshold`（追繳維持率）帶 1.3。注意 `shares` 的型別是 int，不要寫成字串。
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... | [{"name": "margin_trading_calc", "arguments": {"price": 346.4, "shares": 1000, "financing_ratio": 0.4, "maintenance_threshold": 1.3}}] | [
{
"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\": {\... |
100,062 | Compute margin self-payment and the margin-call price for 9000 shares of 2382 at 166.0 with financing ratio 0.6 and maintenance threshold 1.3. Additionally, calculate net gain on a 760000 TWD foreign currency deposit in EUR. | [{"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": "Nu... | 我想融資買 9 張 廣達（2382），股價 166.0，融資成數 60%，自備款要多少？維持率 1.3 的追繳價是多少？同時，EUR 定存 4.3% 看起來很香，但 29.407 換入、8.8157 換回，760000 元存 1 個月划算嗎？ | 好的，我來拆解這個需求。使用者想算融資買進的自備款與追繳價，工具清單裡有 5 個函式，其中 `securities_transaction_tax`、`cbc_policy_rate_lookup`、`labor_pension_fund_projection` 分別處理債券與利率、勞健保與退休金、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。使用者在後半段還問了另一件事——算外幣定存以台幣計價的實際損益，那要另外呼叫 `foreign_currency_deposit_return`。
接下來確認每個參數要帶什麼：`price`（每股買進價）帶 166.0。`sha... | [{"name": "margin_trading_calc", "arguments": {"price": 166.0, "shares": 9000, "financing_ratio": 0.6, "maintenance_threshold": 1.3}}, {"name": "foreign_currency_deposit_return", "arguments": {"amount_twd": 760000, "currency": "EUR", "annual_rate": 4.3, "months": 1, "fx_sell": 29.407, "fx_buy_back": 8.8157}}] | [
{
"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\": {\... |
100,063 | Calculate the finance charge for a 60-day revolving balance of 330000 at 8.43%. | [{"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", ... | 刷卡 33 萬只繳最低，循環利率 8.43%，60 天要付多少利息？ | 好的，我來拆解這個需求。使用者想算信用卡循環信用利息，先排除不相干的選項：`cbc_policy_rate_lookup`、`securities_transaction_tax`、`financial_term_explain` 是債券與利率、台股交易、金融知識查詢用的，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。
把題目資訊映射到函式參數：循環信用未清償餘額對應到 `balance`，值是 330000。`apr` 就是循環信用年利率（%），這裡填 8.43。`days` 設為 60，也就是題目說的計息天數。型別上 `days` 是 int，格式別弄錯。
... | [{"name": "credit_card_revolving_interest", "arguments": {"balance": 330000, "apr": 8.43, "days": 60}}] | [
{
"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\": {\... |
100,064 | How much tax on selling a property with 13050000 gain held for 1 years (self use: 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"... | 請幫我算房地合一稅，獲利 1305 萬、持有期間 1 年、是否自住 True。 | 先看清楚使用者要什麼。這題是要算賣房的房地合一稅，共有 3 個候選函式。`credit_capacity_dbr`、`time_deposit_interest` 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。
然後把使用者給的條件填進參數：`gain`（課稅所得（獲利））帶 13050000。持有年數對應到 `holding_years`，值是 1。`self_use` 設為 true，也就是題目說的是否適用自住優惠。型別上 `gain` 是 int，格式別弄錯。
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... | [{"name": "house_land_capital_gains_tax", "arguments": {"gain": 13050000, "holding_years": 1, "self_use": true}}] | [
{
"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\": {\... |
100,065 | Get the central bank accommodations_without_collateral level effective 2026-04-01. | [{"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", ... | 幫我調中央銀行短期融通利率，基準日 2026-04-01。 | 先看清楚使用者要什麼。這題是要查中央銀行政策利率，掃過 2 個工具後，`bond_price_from_ytm` 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。
參數的部分這樣對：`rate_type` 就是政策利率種類，這裡填 "accommodations_without_collateral"。基準日期對應到 `as_of_date`，值是 "2026-04-01"。
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。
檢查一遍沒有遺漏必要參數，就照 schema 回傳。 | [{"name": "cbc_policy_rate_lookup", "arguments": {"rate_type": "accommodations_without_collateral", "as_of_date": "2026-04-01"}}] | [
{
"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\": {\... |
100,067 | What is the protected and unprotected amount at 星展銀行(台灣) given deposits of 5580000 and 2650000? | [{"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.... | 請問我在 星展銀行(台灣) 的存款有多少受到存款保險保障？台幣 5580000、外幣折算 2650000。 | 使用者的問題是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 `dividend_tax_compare`、`taiwan_regulation_lookup` 分別處理法令遵循、稅務試算，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。
接著逐一對應參數：`bank`（要保機構名稱）帶 "星展銀行(台灣)"。台幣存款餘額對應到 `ntd_deposit`，值是 5580000。`fx_deposit_twd_equiv` 設為 2650000，也就是題目說的外幣存款折台幣金額。注意 `ntd_deposit` 的型別是 int，不要寫成字串。
... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "星展銀行(台灣)", "ntd_deposit": 5580000, "fx_deposit_twd_equiv": 2650000}}] | [
{
"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\": {\... |
100,069 | How much does a 0.0059 TER cost me on 310000 across 25 years? | [{"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": ... | 請比較有無內扣費用的差異：本金 310000、費用率 0.0059、年限 25、毛報酬 0.06。 | 好的，我來拆解這個需求。使用者想量化基金內扣費用對長期報酬的侵蝕，可用函式只有 `expense_ratio_drag` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。
然後把使用者給的條件填進參數：`principal`（投入本金）帶 310000。總開銷（內扣）費用率對應到 `expense_ratio`，值是 0.0059。`years` 設為 25，也就是題目說的持有年數。`gross_annual_return` 設為 0.06，也就是題目說的扣費用前的年報酬率。
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。
確認 JSON 格式正確、引號與逗號都沒漏，然後直... | [{"name": "expense_ratio_drag", "arguments": {"principal": 310000, "expense_ratio": 0.0059, "years": 25, "gross_annual_return": 0.06}}] | [
{
"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\": {\... |
100,070 | What gift tax applies to a 21800000 TWD transfer in year 115? | [{"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", "defau... | 請計算贈與稅，贈與金額 21800000，年度 115，同年度前次贈與 1000000。 | 這個請求的重點在於試算贈與稅，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。
接下來確認每個參數要帶什麼：本次贈與金額對應到 `gift_amount`，值是 21800000。`donor_prior_gifts` 就是同年度先前已贈與金額，這裡填 1000000。`tax_year` 設為 115，也就是題目說的民國年度。
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%。
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。 | [{"name": "gift_tax_calc", "arguments": {"gift_amount": 21800000, "donor_prior_gifts": 1000000, "tax_year": 115}}] | [
{
"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\": {\... |
100,071 | Give me a tax estimate for income 3160000 in ROC year 115 filing as single. In addition, how much estate tax is payable on 67340000 TWD with 0 children and spouse False? | [{"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", "defau... | 請估算 115 年度綜合所得稅，收入 3160000 元，單身，2 名受扶養人，標準扣除額。還有，請試算遺產稅：財產 67340000 元、配偶 False、子女 0 位、父母 2 位、喪葬費 1380000。 | 好的，我來拆解這個需求。使用者想試算個人綜合所得稅，工具清單裡有 5 個函式，其中 `financial_term_explain`、`securities_transaction_tax`、`nhi_supplementary_premium` 分別處理勞健保與退休金、台股交易、金融知識查詢，跟這題無關；只有 `income_tax_estimate` 的描述對應估算綜所稅，所以選它。問題其實包了兩個不同的需求；第二段要試算遺產稅，對應的是 `estate_tax_calc`。
接著逐一對應參數：`annual_income` 就是全年所得總額，這裡填 3160000。申報身分對應到 `filing_status`，值是 "si... | [{"name": "income_tax_estimate", "arguments": {"annual_income": 3160000, "filing_status": "single", "dependents": 2, "deduction_type": "standard", "tax_year": 115}}, {"name": "estate_tax_calc", "arguments": {"gross_estate": 67340000, "spouse": false, "lineal_descendants": 0, "parents": 2, "funeral_expense": 1380000}}] | [
{
"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\": {\... |
100,072 | Estimate the life insurance gap for annual income 1070000, 14 dependant years, existing coverage 13010000, liabilities 15480000. | [{"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": {"descript... | 我年收入 107 萬，小孩還要養 14 年，現有壽險 13010000，房貸等負債 15480000，用需求分析法算保額缺口。 | 好的，我來拆解這個需求。使用者想算壽險保額缺口，共有 2 個候選函式。`aml_transaction_screening` 的功能與本題情境不符，正確的是 `life_insurance_gap`，因為它就是用來評估壽險保障缺口的。
接下來確認每個參數要帶什麼：`annual_income` 設為 1070000，也就是題目說的被保險人年收入。`dependent_years`（尚需扶養的年數）帶 14。`existing_coverage`（既有壽險保額）帶 13010000。`outstanding_liabilities` 設為 15480000，也就是題目說的未償負債。`method` 設為 "needs_based"，... | [{"name": "life_insurance_gap", "arguments": {"annual_income": 1070000, "dependent_years": 14, "existing_coverage": 13010000, "outstanding_liabilities": 15480000, "method": "needs_based"}}] | [
{
"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\": {\... |
100,073 | Compute the TWD-based return of converting 520000 into JPY at 12.2198, earning 0.56% for 3 months, and converting back at 24.9564. | [{"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 conv... | 我拿 52 萬台幣換日圓做 3 個月外幣定存，利率 0.56%，換入 12.2198、到期換回 24.9564，實際賺賠多少？ | 使用者的問題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` 是外匯用的，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。
接著逐一對應參數：`amount_twd` 就是投入的台幣金額，這裡填 520000。外幣幣別對應到 `currency`，值是 "JPY"。`annual_rate` 設為 0.56，也就是題目說的外幣存款年利率（%）。`months` 就是存期月數，這裡填 3。`fx_sell` 就是換入時的銀行賣出匯率，這裡填 12.2198。`fx_buy_back`（贖回時的銀行買入匯率）帶 24.9564... | [{"name": "foreign_currency_deposit_return", "arguments": {"amount_twd": 520000, "currency": "JPY", "annual_rate": 0.56, "months": 3, "fx_sell": 12.2198, "fx_buy_back": 24.9564}}] | [
{
"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\": {\... |
100,074 | What is the securities transaction tax for selling stock worth 1300000 TWD? | [{"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 T... | 請計算 1300000 元 stock 賣出的證交稅，是否當沖：False。 | 使用者的問題是算賣出時要繳的證券交易稅。共有 4 個候選函式。`stock_trade_cost`、`license_exam_question_bank`、`regular_investment_projection` 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。
參數的部分這樣對：`amount`（賣出成交金額）帶 1300000。`security_type` 設為 "stock"，也就是題目說的商品類別。是否當沖對應到 `day_trade`，值是 false。型別上 `amount` 是 int，格式別弄錯。
另外要記住的規則：證交稅僅於賣出時課... | [{"name": "securities_transaction_tax", "arguments": {"amount": 1300000, "security_type": "stock", "day_trade": false}}] | [
{
"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\": {\... |
100,075 | Is a 3-month CNY deposit at 3.14% worth it given entry 16.6879 and exit 18.0283? | [{"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... | 外幣定存試算：780000 台幣、幣別 CNY、年息 3.14%、3 個月、買入匯率 16.6879、賣回 18.0283。 | 讓我理一下。需求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：`taiwan_regulation_lookup`、`cbc_policy_rate_lookup`、`labor_insurance_annuity` 是債券與利率、勞健保與退休金、法令遵循用的，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。
把題目資訊映射到函式參數：`amount_twd` 設為 780000，也就是題目說的投入的台幣金額。`currency` 就是外幣幣別，這裡填 "CNY"。`annual_rate` 設為 3.14，也就是題目說的外幣存款年利率（%）。`mon... | [{"name": "foreign_currency_deposit_return", "arguments": {"amount_twd": 780000, "currency": "CNY", "annual_rate": 3.14, "months": 3, "fx_sell": 16.6879, "fx_buy_back": 18.0283}}] | [
{
"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\": {\... |
100,076 | Look up the 2026-09-11 daily quote for Taiwan ticker 00713 on TPEx. | [{"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.", "... | 幫我查 00713 元大台灣高息低波 在 2026-09-11 於 TPEx 的當日行情。 | 讓我理一下。需求是查詢某檔台股在特定交易日的行情，目前只有一個可用函式 `twse_quote_lookup`，功能描述正好對應這個需求，所以直接用它。
參數的部分這樣對：`symbol` 就是股票代號，這裡填 "00713"。`date`（交易日期）帶 "2026-09-11"。`market` 就是市場別，這裡填 "TPEx"。
格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。 | [{"name": "twse_quote_lookup", "arguments": {"symbol": "00713", "date": "2026-09-11", "market": "TPEx"}}] | [
{
"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\": {\... |
100,077 | Work out my Taiwan income tax: 4680000 TWD income, 3 dependents, single, standard. | [{"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": ... | 年薪 468 萬的單身上班族，有 3 個扶養親屬，用標準扣除額報 115 年度，稅額多少？ | 收到，使用者需要的是試算個人綜合所得稅。先排除不相干的選項：`expense_ratio_drag` 是基金與 ETF用的，都不符合。剩下 `income_tax_estimate` 才是處理估算綜所稅的函式。
參數的部分這樣對：全年所得總額對應到 `annual_income`，值是 4680000。申報身分對應到 `filing_status`，值是 "single"。`dependents` 就是扶養親屬人數，這裡填 3。`deduction_type` 就是扣除額方式，這裡填 "standard"。`tax_year` 設為 115，也就是題目說的民國年度。
另外要記住的規則：稅率級距 5%/12%/20%/30%/40... | [{"name": "income_tax_estimate", "arguments": {"annual_income": 4680000, "filing_status": "single", "dependents": 3, "deduction_type": "standard", "tax_year": 115}}] | [
{
"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\": {\... |
100,078 | Calculate net gain on a 2130000 TWD foreign currency deposit in JPY. | [{"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 conv... | JPY 定存 4.43% 看起來很香，但 26.0876 換入、13.8142 換回，2130000 元存 6 個月划算嗎？ | 讓我理一下。需求是算外幣定存以台幣計價的實際損益，掃過 3 個工具後，`income_tax_estimate`、`fx_rate_lookup` 明顯屬於其他業務範疇；`foreign_currency_deposit_return` 才是負責計算外幣定存實質報酬的那一個，就用它。
接著逐一對應參數：`amount_twd` 就是投入的台幣金額，這裡填 2130000。`currency` 就是外幣幣別，這裡填 "JPY"。`annual_rate` 設為 4.43，也就是題目說的外幣存款年利率（%）。`months`（存期月數）帶 6。`fx_sell`（換入時的銀行賣出匯率）帶 26.0876。`fx_buy_back` 設... | [{"name": "foreign_currency_deposit_return", "arguments": {"amount_twd": 2130000, "currency": "JPY", "annual_rate": 4.43, "months": 6, "fx_sell": 26.0876, "fx_buy_back": 13.8142}}] | [
{
"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\": {\... |
100,080 | Compute Taiwan STT for proceeds of 5180000 on warrant, day_trade 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 proce... | 權證成交 5180000 元賣出（一般交易），證交稅是多少？ | 使用者的問題是算賣出時要繳的證券交易稅。掃過 3 個工具後，`expense_ratio_drag`、`stock_trade_cost` 明顯屬於其他業務範疇；`securities_transaction_tax` 才是負責計算證交稅的那一個，就用它。
接著逐一對應參數：`amount` 設為 5180000，也就是題目說的賣出成交金額。商品類別對應到 `security_type`，值是 "warrant"。是否當沖對應到 `day_trade`，值是 false。`day_trade` 要用 bool 型別傳入。
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... | [{"name": "securities_transaction_tax", "arguments": {"amount": 5180000, "security_type": "warrant", "day_trade": false}}] | [
{
"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\": {\... |
100,081 | Compute the TWD-based return of converting 2910000 into USD at 12.7996, earning 0.7% for 12 months, and converting back at 32.8192. | [{"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": "Tota... | 我拿 291 萬台幣換美元做 12 個月外幣定存，利率 0.7%，換入 12.7996、到期換回 32.8192，實際賺賠多少？ | 先看清楚使用者要什麼。這題是要算外幣定存以台幣計價的實際損益，先排除不相干的選項：`dividend_tax_compare` 是稅務試算用的，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。
然後把使用者給的條件填進參數：`amount_twd` 設為 2910000，也就是題目說的投入的台幣金額。`currency`（外幣幣別）帶 "USD"。外幣存款年利率（%）對應到 `annual_rate`，值是 0.7。存期月數對應到 `months`，值是 12。`fx_sell` 設為 12.7996，也就是題目說的換入時的銀行賣出匯率。`fx_buy_bac... | [{"name": "foreign_currency_deposit_return", "arguments": {"amount_twd": 2910000, "currency": "USD", "annual_rate": 0.7, "months": 12, "fx_sell": 12.7996, "fx_buy_back": 32.8192}}] | [
{
"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\": {\... |
100,082 | How much does a 0.0128 TER cost me on 4190000 across 19 years? | [{"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": {"descrip... | 請比較有無內扣費用的差異：本金 4190000、費用率 0.0128、年限 19、毛報酬 0.08。 | 使用者的問題是量化基金內扣費用對長期報酬的侵蝕。工具清單裡有 2 個函式，其中 `etf_dividend_yield` 分別處理基金與 ETF，跟這題無關；只有 `expense_ratio_drag` 的描述對應評估內扣費用影響，所以選它。
把題目資訊映射到函式參數：投入本金對應到 `principal`，值是 4190000。`expense_ratio`（總開銷（內扣）費用率）帶 0.0128。`years`（持有年數）帶 19。扣費用前的年報酬率對應到 `gross_annual_return`，值是 0.08。
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。
確認 JS... | [{"name": "expense_ratio_drag", "arguments": {"principal": 4190000, "expense_ratio": 0.0128, "years": 19, "gross_annual_return": 0.08}}] | [
{
"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\": {\... |
100,083 | Calculate second-generation NHI supplementary premium for interest of 1400000. | [{"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... | 這筆 1400000 元的利息會不會被扣 2.11% 補充保費？我的月投保金額是 45800。 | 收到，使用者需要的是算二代健保補充保費要扣多少。掃過 2 個工具後，`foreign_currency_deposit_return` 明顯屬於其他業務範疇；`nhi_supplementary_premium` 才是負責計算補充保費的那一個，就用它。
接下來確認每個參數要帶什麼：`income_type`（所得類別）帶 "interest"。`amount` 設為 1400000，也就是題目說的單次給付金額。`monthly_insured_salary` 設為 45800，也就是題目說的月投保金額。
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... | [{"name": "nhi_supplementary_premium", "arguments": {"income_type": "interest", "amount": 1400000, "monthly_insured_salary": 45800}}] | [
{
"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\": {\... |
100,084 | How much does a 0.0153 TER cost me on 2400000 across 29 years? | [{"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": ... | 請比較有無內扣費用的差異：本金 2400000、費用率 0.0153、年限 29、毛報酬 0.06。 | 先看清楚使用者要什麼。這題是要量化基金內扣費用對長期報酬的侵蝕，可用函式只有 `expense_ratio_drag` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。
接下來確認每個參數要帶什麼：`principal`（投入本金）帶 2400000。`expense_ratio` 就是總開銷（內扣）費用率，這裡填 0.0153。持有年數對應到 `years`，值是 29。`gross_annual_return` 設為 0.06，也就是題目說的扣費用前的年報酬率。
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。
檢查一遍沒有遺漏必要參數，就照 schema 回傳。 | [{"name": "expense_ratio_drag", "arguments": {"principal": 2400000, "expense_ratio": 0.0153, "years": 29, "gross_annual_return": 0.06}}] | [
{
"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\": {\... |
100,085 | Get Taiwan TWSE50 index statistics dated 2026-04-26. | [{"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', 'inter... | 台灣50指數 2026-04-26 表現如何？ | 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，掃過 2 個工具後，`financial_term_explain` 明顯屬於其他業務範疇；`market_index_lookup` 才是負責查詢市場指數的那一個，就用它。
接下來確認每個參數要帶什麼：`index_name` 設為 "TWSE50"，也就是題目說的指數代碼。查詢日期對應到 `date`，值是 "2026-04-26"。
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。
格式上以 tool_call 包住 JSON 物件，不要額外加解釋文字。 | [{"name": "market_index_lookup", "arguments": {"index_name": "TWSE50", "date": "2026-04-26"}}] | [
{
"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\": {\... |
100,086 | What is the all-in cost of buying 10000 shares of 2609 at NT$549.8 (discount 0.2, day_trade 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": "Nu... | 成交價 549.8 元、10000 股、買進、手續費 0.2 折數、非當沖，交易成本是多少？ | 這個請求的重點在於試算一筆台股買賣的手續費與證交稅，工具清單裡有 3 個函式，其中 `margin_trading_calc`、`income_tax_estimate` 分別處理台股交易、稅務試算，跟這題無關；只有 `stock_trade_cost` 的描述對應計算台股交易成本，所以選它。
接著逐一對應參數：`price` 就是每股成交價，這裡填 549.8。`shares`（股數）帶 10000。買賣方向對應到 `side`，值是 "buy"。`discount`（手續費折扣倍數）帶 0.2。是否為現股當沖對應到 `day_trade`，值是 false。型別上 `shares` 是 int，格式別弄錯。
另外要記住的規則... | [{"name": "stock_trade_cost", "arguments": {"price": 549.8, "shares": 10000, "side": "buy", "discount": 0.2, "day_trade": false}}] | [
{
"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\": {\... |
100,087 | Project the value of investing 5000 TWD monthly in 00646 for 3 years at 0.1 annual return. Also, retrieve ['open', 'high', 'low', 'close', 'volume'] for FITX on 2026-04-26. | [{"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", "def... | 我每月定期定額 5000 元買 元大S&P500（00646），假設年化 10.0%，3 年後有多少？順便也幫我看：幫我調 FITX 於 2026-04-26 的指數資料，欄位 ['open', 'high', 'low', 'close', 'volume']。 | 使用者的問題是推估定期定額的終值。共有 3 個候選函式。`aml_transaction_screening` 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。使用者在後半段還問了另一件事——查台灣股市指數的當日數據，那要另外呼叫 `market_index_lookup`。
然後把使用者給的條件填進參數：`monthly_amount`（每月扣款金額）帶 5000。`annual_return` 設為 0.1，也就是題目說的假設年化報酬率。`years` 就是投資年數，這裡填 3。`symbol`（累積標的代號）帶 "00646"。注意 `mo... | [{"name": "regular_investment_projection", "arguments": {"monthly_amount": 5000, "annual_return": 0.1, "years": 3, "symbol": "00646"}}, {"name": "market_index_lookup", "arguments": {"index_name": "FITX", "date": "2026-04-26", "fields": ["open", "high", "low", "close", "volume"]}}] | [
{
"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\": {\... |
100,088 | Dollar cost averaging projection: 3000/month, 12 years, 0.06 return, ticker 006208. | [{"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": ... | 請估算定期定額 3000 元/月、12 年、年化 0.06 的終值。 | 使用者的問題是推估定期定額的終值。共有 2 個候選函式。`expense_ratio_drag` 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。
然後把使用者給的條件填進參數：`monthly_amount`（每月扣款金額）帶 3000。`annual_return` 設為 0.06，也就是題目說的假設年化報酬率。`years` 就是投資年數，這裡填 12。`symbol` 設為 "006208"，也就是題目說的累積標的代號。型別上 `years` 是 int，格式別弄錯。
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... | [{"name": "regular_investment_projection", "arguments": {"monthly_amount": 3000, "annual_return": 0.06, "years": 12, "symbol": "006208"}}] | [
{
"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\": {\... |
100,089 | Compare consolidated versus 28% separate taxation for dividends of 1760000 with other income 1710000, filing married_joint. | [{"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": "Tota... | 我今年領了 176 萬股利，其他所得 171 萬，夫妻合併申報，合併計稅還是分開計稅 28% 比較省？ | 讓我理一下。需求是比較股利合併計稅與分開計稅哪個省，掃過 2 個工具後，`license_exam_question_bank` 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。
然後把使用者給的條件填進參數：全年股利所得對應到 `dividend_amount`，值是 1760000。`other_income` 設為 1710000，也就是題目說的股利以外的所得。`filing_status`（申報身分）帶 "married_joint"。注意 `dividend_amount` 的型別是 int，不要寫成字串。
確認 JSON 格式正確、引號與逗號都沒漏，然... | [{"name": "dividend_tax_compare", "arguments": {"dividend_amount": 1760000, "other_income": 1710000, "filing_status": "married_joint"}}] | [
{
"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\": {\... |
100,090 | Retrieve Taiwan's policy rediscount rate for 2026-09-01. | [{"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", ... | 2026-09-01 當時的央行重貼現率水準為何？ | 使用者的問題是查中央銀行政策利率。先排除不相干的選項：`estate_tax_calc` 是稅務試算用的，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。
接下來確認每個參數要帶什麼：政策利率種類對應到 `rate_type`，值是 "rediscount"。`as_of_date` 設為 "2026-09-01"，也就是題目說的基準日期。
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。
檢查一遍沒有遺漏必要參數，就照 schema 回傳。 | [{"name": "cbc_policy_rate_lookup", "arguments": {"rate_type": "rediscount", "as_of_date": "2026-09-01"}}] | [
{
"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\": {\... |
100,091 | How much gift tax if I give 34210000 TWD this year having already gifted 5000000? | [{"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", "defau... | 115 年度贈與 34210000 元、當年度已贈與 5000000 元，請算贈與稅。 | 這個請求的重點在於試算贈與稅，掃過 2 個工具後，`income_tax_estimate` 明顯屬於其他業務範疇；`gift_tax_calc` 才是負責計算贈與稅的那一個，就用它。
接著逐一對應參數：`gift_amount` 就是本次贈與金額，這裡填 34210000。`donor_prior_gifts`（同年度先前已贈與金額）帶 5000000。`tax_year`（民國年度）帶 115。`tax_year` 要用 int 型別傳入。
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%。
所有參數都有明確來源，沒有需要臆測... | [{"name": "gift_tax_calc", "arguments": {"gift_amount": 34210000, "donor_prior_gifts": 5000000, "tax_year": 115}}] | [
{
"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\": {\... |
100,092 | Compute interest on a 1020000 TWD time deposit at 2.02% for 6 months, simple. | [{"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", "d... | 我在星展銀行(台灣)存 102 萬定存，年利率 2.02%、6 個月、固定利率、單利存本取息，到期利息多少？ | 收到，使用者需要的是算定期存款的到期利息。目前只有一個可用函式 `time_deposit_interest`，功能描述正好對應這個需求，所以直接用它。
把題目資訊映射到函式參數：`principal` 設為 1020000，也就是題目說的存款本金。`annual_rate` 設為 2.02，也就是題目說的年利率（%）。`months` 設為 6，也就是題目說的存期月數。`interest_type` 設為 "fixed"，也就是題目說的固定或機動利率。`compounding` 設為 "simple"，也就是題目說的計息方式。`annual_rate` 要用 float 型別傳入。
另外要記住的規則：台幣定存 1 年以上多採機... | [{"name": "time_deposit_interest", "arguments": {"principal": 1020000, "annual_rate": 2.02, "months": 6, "interest_type": "fixed", "compounding": "simple"}}] | [
{
"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\": {\... |
100,093 | Request a JCIC credit report for personal_loan with report type credit_score_only covering 3 months of inquiries. Also, pull my Joint Credit Information Center report (full) for a self_inquiry. | [{"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": "A... | 我要因為信用貸款調聯徵報告，類型 credit_score_only，並看最近 3 個月的查詢紀錄。順便也幫我看：請幫我申請聯徵 JCIC 報告：用途 self_inquiry、報告種類 full、近 12 月被查詢次數。 | 這個請求的重點在於申請聯徵信用報告，掃過 3 個工具後，`credit_capacity_dbr`、`emergency_fund_target` 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。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。
接著逐一對應參數：`query_purpose` 設為 "personal_loan"，也就是題目說的查詢目的。`report_type` 就是報告種類，這裡填 "credit_score_only"。`recent_inquiries_months`（被查詢紀錄回溯月數）帶 3。
第二組... | [{"name": "jcic_credit_report", "arguments": {"query_purpose": "personal_loan", "report_type": "credit_score_only", "recent_inquiries_months": 3}}, {"name": "jcic_credit_report", "arguments": {"query_purpose": "self_inquiry", "report_type": "full", "recent_inquiries_months": 12}}] | [
{
"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\": {\... |
100,094 | How much of my 7450000 deposit at 永豐銀行 is covered by deposit insurance? | [{"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... | 存保額度查詢：機構 永豐銀行、台幣存款 7450000、外幣折台 940000、含息 True。 | 好的，我來拆解這個需求。使用者想確認存款受存款保險保障的額度，共有 3 個候選函式。`nhi_supplementary_premium`、`dividend_tax_compare` 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。
把題目資訊映射到函式參數：`bank` 就是要保機構名稱，這裡填 "永豐銀行"。`ntd_deposit`（台幣存款餘額）帶 7450000。`fx_deposit_twd_equiv` 設為 940000，也就是題目說的外幣存款折台幣金額。`include_interest` 設為 true，也就是題目說的是否含累計利... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "永豐銀行", "ntd_deposit": 7450000, "fx_deposit_twd_equiv": 940000, "include_interest": true}}] | [
{
"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\": {\... |
100,095 | How much of my 1590000 deposit at 國泰世華 is covered by deposit insurance? | [{"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.... | 存保額度查詢：機構 國泰世華、台幣存款 1590000、外幣折台 1650000、含息 True。 | 這個請求的重點在於確認存款受存款保險保障的額度，可用函式只有 `deposit_insurance_coverage` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。
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 "國泰世華"。`ntd_deposit`（台幣存款餘額）帶 1590000。`fx_deposit_twd_equiv`（外幣存款折台幣金額）帶 1650000。`include_interest` 就是是否含累計利息，這裡填 true。`fx_deposit_twd_equiv` 要用 int 型別傳入。
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... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "國泰世華", "ntd_deposit": 1590000, "fx_deposit_twd_equiv": 1650000, "include_interest": true}}] | [
{
"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\": {\... |
100,097 | Look up the cash_sell rate for USD against TWD at 華南銀行. | [{"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.", "... | 請查華南銀行今天美元（USD）兌台幣的現金賣出匯率。 | 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：`twse_quote_lookup` 是台股交易用的，都不符合。剩下 `fx_rate_lookup` 才是處理查詢外匯牌告匯率的函式。
然後把使用者給的條件填進參數：`base_currency` 設為 "USD"，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 "華南銀行"。`rate_type` 就是牌告匯率種類，這裡填 "cash_sell"。
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。
所有... | [{"name": "fx_rate_lookup", "arguments": {"base_currency": "USD", "quote_currency": "TWD", "bank": "華南銀行", "rate_type": "cash_sell"}}] | [
{
"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\": {\... |
100,098 | Get the closing price of 00679B on 2026-08-27 from the TPEx board. | [{"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.", "... | 請調 TPEx 掛牌的 00679B 元大美債20年 於 2026-08-27 的日成交資訊。 | 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，目前只有一個可用函式 `twse_quote_lookup`，功能描述正好對應這個需求，所以直接用它。
接著逐一對應參數：股票代號對應到 `symbol`，值是 "00679B"。`date` 就是交易日期，這裡填 "2026-08-27"。`market` 設為 "TPEx"，也就是題目說的市場別。
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。
檢查一遍沒有遺漏必要參數，就照 schema 回傳。 | [{"name": "twse_quote_lookup", "arguments": {"symbol": "00679B", "date": "2026-08-27", "market": "TPEx"}}] | [
{
"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\": {\... |
100,099 | Calculate cash yield: ETF 00940, price 126.68, annual dividend 5.95. | [{"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": {"descrip... | 我想知道 元大台灣價值高息 的現金殖利率，目前 126.68 元，一年配 5.95 元（半年配）。 | 先看清楚使用者要什麼。這題是要算一檔 ETF 的現金殖利率，工具清單裡有 2 個函式，其中 `expense_ratio_drag` 分別處理基金與 ETF，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。
參數的部分這樣對：ETF 代號對應到 `symbol`，值是 "00940"。`price`（每單位市價）帶 126.68。`annual_dividend`（全年每單位配息）帶 5.95。`frequency`（配息頻率）帶 "semiannual"。
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。
... | [{"name": "etf_dividend_yield", "arguments": {"symbol": "00940", "price": 126.68, "annual_dividend": 5.95, "frequency": "semiannual"}}] | [
{
"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\": {\... |
100,100 | How much of my 7650000 deposit at 華南銀行 is covered by deposit insurance? | [{"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.... | 存保額度查詢：機構 華南銀行、台幣存款 7650000、外幣折台 620000、含息 True。 | 收到，使用者需要的是確認存款受存款保險保障的額度。可用函式只有 `deposit_insurance_coverage` 一個，先確認它的描述確實涵蓋這個情境——是的，可以使用。
把題目資訊映射到函式參數：`bank` 就是要保機構名稱，這裡填 "華南銀行"。`ntd_deposit` 就是台幣存款餘額，這裡填 7650000。`fx_deposit_twd_equiv` 設為 620000，也就是題目說的外幣存款折台幣金額。`include_interest` 就是是否含累計利息，這裡填 true。
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。
... | [{"name": "deposit_insurance_coverage", "arguments": {"bank": "華南銀行", "ntd_deposit": 7650000, "fx_deposit_twd_equiv": 620000, "include_interest": true}}] | [
{
"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\": {\... |
100,101 | What gift tax applies to a 28860000 TWD transfer in year 115? | [{"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": "Tota... | 請計算贈與稅，贈與金額 28860000，年度 115，同年度前次贈與 0。 | 這個請求的重點在於試算贈與稅，共有 3 個候選函式。`dividend_tax_compare`、`twse_quote_lookup` 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。
然後把使用者給的條件填進參數：`gift_amount` 就是本次贈與金額，這裡填 28860000。`donor_prior_gifts`（同年度先前已贈與金額）帶 0。`tax_year` 就是民國年度，這裡填 115。
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%。
所有參數都有明確來源，沒有... | [{"name": "gift_tax_calc", "arguments": {"gift_amount": 28860000, "donor_prior_gifts": 0, "tax_year": 115}}] | [
{
"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\": {\... |
100,102 | How large is my retirement shortfall given 0.06 returns and 0.015 inflation to age 85? | [{"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", "defaul... | 退休規劃試算：現齡 33、退休 65、月支出 80000、現有資產 6650000、報酬 0.06、通膨 0.015、餘命 85。 | 先看清楚使用者要什麼。這題是要分析退休金缺口，共有 3 個候選函式。`emergency_fund_target`、`jcic_credit_report` 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。
把題目資訊映射到函式參數：`current_age`（目前年齡）帶 33。`retirement_age` 就是預計退休年齡，這裡填 65。`monthly_expense_today` 設為 80000，也就是題目說的今日幣值的每月支出。`current_savings` 就是現有退休準備金，這裡填 6650000。假設年化報酬率對應到 `annual_re... | [{"name": "retirement_gap_analysis", "arguments": {"current_age": 33, "retirement_age": 65, "monthly_expense_today": 80000, "current_savings": 6650000, "annual_return": 0.06, "inflation_rate": 0.015, "life_expectancy": 85}}] | [
{
"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\": {\... |
100,103 | Give me a tax estimate for income 4930000 in ROC year 115 filing as single. | [{"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"... | 請估算 115 年度綜合所得稅，收入 4930000 元，單身，0 名受扶養人，標準扣除額。 | 使用者的問題是試算個人綜合所得稅。掃過 4 個工具後，`house_land_capital_gains_tax`、`aml_transaction_screening`、`kyc_risk_rating` 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。
接著逐一對應參數：`annual_income` 設為 4930000，也就是題目說的全年所得總額。`filing_status` 設為 "single"，也就是題目說的申報身分。扶養親屬人數對應到 `dependents`，值是 0。`deduction_type` 就是扣除額方式，這裡填 "standard"。`tax_... | [{"name": "income_tax_estimate", "arguments": {"annual_income": 4930000, "filing_status": "single", "dependents": 0, "deduction_type": "standard", "tax_year": 115}}] | [
{
"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\": {\... |
100,104 | Dollar cost averaging projection: 15000/month, 19 years, 0.06 return, ticker 00929. In addition, dollar cost averaging projection: 5000/month, 16 years, 0.07 return, ticker 00687B. | [{"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... | 請估算定期定額 15000 元/月、19 年、年化 0.06 的終值。還有，請估算定期定額 5000 元/月、16 年、年化 0.07 的終值。 | 好的，我來拆解這個需求。使用者想推估定期定額的終值，工具清單裡有 2 個函式，其中 `dividend_tax_compare` 分別處理稅務試算，跟這題無關；只有 `regular_investment_projection` 的描述對應推算定期定額累積結果，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。
把題目資訊映射到函式參數：每月扣款金額對應到 `monthly_amount`，值是 15000。`annual_return` 設為 0.06，也就是題目說的假設年化報酬率。`years`（投資年數）帶 19。`symbol` 設為 "00929"，也就是題目說的累積標的... | [{"name": "regular_investment_projection", "arguments": {"monthly_amount": 15000, "annual_return": 0.06, "years": 19, "symbol": "00929"}}, {"name": "regular_investment_projection", "arguments": {"monthly_amount": 5000, "annual_return": 0.07, "years": 16, "symbol": "00687B"}}] | [
{
"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\": {\... |
100,105 | Look up 銀行法 article 47 in the national law database. In addition, determine whether enhanced due diligence is required for this customer profile. | [{"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", "... | 我要銀行法第 47 條的原文，include_amendments=True。另外，KYC 分級查詢：individual / 公務員 / KH / PEP=False / 月量 7860000。 | 讓我理一下。需求是調閱某條金融法規的條文，工具清單裡有 3 個函式，其中 `price_limit_range` 分別處理台股交易，跟這題無關；只有 `taiwan_regulation_lookup` 的描述對應查詢台灣法規條文，所以選它。另外，題目後半是評定客戶的 KYC 風險等級，這部分得靠 `kyc_risk_rating` 處理，不能硬塞進前一個函式。
接著逐一對應參數：`law_name`（法規名稱）帶 "銀行法"。`article`（條號）帶 47。`include_amendments`（是否包含修正沿革）帶 true。`article` 要用 int 型別傳入。
至於 `kyc_risk_rating`，參數對... | [{"name": "taiwan_regulation_lookup", "arguments": {"law_name": "銀行法", "article": 47, "include_amendments": true}}, {"name": "kyc_risk_rating", "arguments": {"customer_type": "individual", "occupation": "公務員", "nationality": "KH", "is_pep": false, "expected_monthly_volume": 7860000}}] | [
{
"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\": {\... |
100,106 | Calculate the maturity interest of a 12-month deposit of 4200000 at 1.985%. | [{"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 in... | 420 萬放 12 個月定存，機動利率 1.985%，整存整付按月複利，能拿多少利息？ | 這個請求的重點在於算定期存款的到期利息，掃過 2 個工具後，`life_insurance_gap` 明顯屬於其他業務範疇；`time_deposit_interest` 才是負責計算定存利息的那一個，就用它。
接著逐一對應參數：`principal` 設為 4200000，也就是題目說的存款本金。`annual_rate`（年利率（%））帶 1.985。`months` 就是存期月數，這裡填 12。`interest_type` 就是固定或機動利率，這裡填 "floating"。`compounding` 就是計息方式，這裡填 "monthly_compound"。`principal` 要用 int 型別傳入。
另外要記住的... | [{"name": "time_deposit_interest", "arguments": {"principal": 4200000, "annual_rate": 1.985, "months": 12, "interest_type": "floating", "compounding": "monthly_compound"}}] | [
{
"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\": {\... |
100,107 | Is a 6-month JPY deposit at 3.75% worth it given entry 12.307 and exit 11.927? | [{"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", "defaul... | 外幣定存試算：1740000 台幣、幣別 JPY、年息 3.75%、6 個月、買入匯率 12.307、賣回 11.927。 | 這個請求的重點在於算外幣定存以台幣計價的實際損益，先排除不相干的選項：`emergency_fund_target`、`aml_transaction_screening` 是法令遵循、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。
然後把使用者給的條件填進參數：投入的台幣金額對應到 `amount_twd`，值是 1740000。`currency` 就是外幣幣別，這裡填 "JPY"。`annual_rate` 就是外幣存款年利率（%），這裡填 3.75。`months` 就是存期月數，這裡填 6。換入時的銀行賣出匯率對應到 `fx_sell... | [{"name": "foreign_currency_deposit_return", "arguments": {"amount_twd": 1740000, "currency": "JPY", "annual_rate": 3.75, "months": 6, "fx_sell": 12.307, "fx_buy_back": 11.927}}] | [
{
"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\": {\... |
100,108 | How much more life cover do I need using the needs_based method? In addition, compute insurance shortfall given income 1340000 and debts 7250000. And also, compute insurance shortfall given income 750000 and debts 470000. | [{"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", "... | 壽險保額試算：年收入 2400000、扶養年數 24、既有保額 13070000、負債 14370000、方法 needs_based。同時，請幫我看壽險買夠了沒，年薪 1340000、負債 7250000、目前保額 9990000。還有，請幫我看壽險買夠了沒，年薪 750000、負債 470000、目前保額 10950000。 | 使用者的問題是算壽險保額缺口。工具清單裡有 3 個函式，其中 `price_limit_range`、`labor_insurance_annuity` 分別處理勞健保與退休金、台股交易，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。這題有 3 組條件要比較，必須分成 3 個獨立的函式呼叫。
接著逐一對應參數：`annual_income` 就是被保險人年收入，這裡填 2400000。`dependent_years` 設為 24，也就是題目說的尚需扶養的年數。`existing_coverage`（既有壽險保額）帶 13070000。`outstanding_liabiliti... | [{"name": "life_insurance_gap", "arguments": {"annual_income": 2400000, "dependent_years": 24, "existing_coverage": 13070000, "outstanding_liabilities": 14370000, "method": "needs_based"}}, {"name": "life_insurance_gap", "arguments": {"annual_income": 1340000, "existing_coverage": 9990000, "outstanding_liabilities": 72... | [
{
"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\": {\... |
100,109 | Given a previous close of 17.81, compute today's limit-up and limit-down prices for 2801 under a 0.1 price limit. Additionally, calculate the 0.1 daily band around a previous close of 623.94, tick rounding True. | [{"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", "... | 彰銀（2801）昨收 17.81 元，今天的漲停價和跌停價各是多少？同時，2891 昨日收盤價 623.94 元，幫我算今日 ±0.1 的價格上下限。 | 這個請求的重點在於算出今日的漲停與跌停價，工具清單裡有 2 個函式，其中 `kyc_risk_rating` 分別處理法令遵循，跟這題無關；只有 `price_limit_range` 的描述對應計算漲跌幅限制區間，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。
接著逐一對應參數：前一日收盤價對應到 `prev_close`，值是 17.81。`limit_pct`（漲跌幅限制）帶 0.1。注意 `limit_pct` 的型別是 float，不要寫成字串。
第二組條件則是：`prev_close`（前一日收盤價）帶 623.94。漲跌幅限制對應到 `limit_pct`，值是... | [{"name": "price_limit_range", "arguments": {"prev_close": 17.81, "limit_pct": 0.1}}, {"name": "price_limit_range", "arguments": {"prev_close": 623.94, "limit_pct": 0.1, "tick_rounding": true}}] | [
{
"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\": {\... |
100,110 | Screen a cash_deposit of 3000000 USD to PA for a low risk customer under Taiwan AML rules. | [{"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", "defau... | 客戶要現金存入 3000000 元（USD），對方國別 PA，風險等級 low，需要做大額通報嗎？ | 使用者的問題是判斷一筆交易是否需要洗錢防制申報。掃過 3 個工具後，`gift_tax_calc`、`taiwan_regulation_lookup` 明顯屬於其他業務範疇；`aml_transaction_screening` 才是負責執行洗錢防制檢核的那一個，就用它。
然後把使用者給的條件填進參數：`amount`（交易金額）帶 3000000。交易類型對應到 `transaction_type`，值是 "cash_deposit"。幣別對應到 `currency`，值是 "USD"。交易對手國別對應到 `counterparty_country`，值是 "PA"。客戶風險等級對應到 `customer_risk_level... | [{"name": "aml_transaction_screening", "arguments": {"amount": 3000000, "transaction_type": "cash_deposit", "currency": "USD", "counterparty_country": "PA", "customer_risk_level": "low"}}] | [
{
"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\": {\... |
100,111 | Determine the reserve gap given liquid assets of 1290000. | [{"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", "defaul... | 工作穩定的話緊急預備金要抓幾個月？我月花 60000，現金 1290000。 | 這個請求的重點在於算緊急預備金該準備多少，掃過 3 個工具後，`twse_quote_lookup`、`etf_dividend_yield` 明顯屬於其他業務範疇；`emergency_fund_target` 才是負責計算緊急預備金目標的那一個，就用它。
接著逐一對應參數：`monthly_expense`（每月生活支出）帶 60000。`job_stability`（工作穩定度）帶 "stable"。`current_liquid_assets`（現有流動資產）帶 1290000。
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。
確認 JSON 格式正確、引號與逗號都沒漏，... | [{"name": "emergency_fund_target", "arguments": {"monthly_expense": 60000, "job_stability": "stable", "current_liquid_assets": 1290000}}] | [
{
"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\": {\... |
100,112 | Compute margin self-payment and the margin-call price for 4000 shares of 2412 at 41.1 with financing ratio 0.5 and maintenance threshold 1.3. In addition, margin trading math for 2881: price 198.9, shares 6000, ratio 0.6, maintenance 1.3. Also, margin trading math for 2882: price 86.6, shares 1000, ratio 0.6, maintenan... | [{"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.", "... | 我想融資買 4 張 中華電（2412），股價 41.1，融資成數 50%，自備款要多少？維持率 1.3 的追繳價是多少？另外，2881 現價 198.9，我要融資 6000 股、成數 0.6，自備款和追繳價各是多少？另外，2882 現價 86.6，我要融資 1000 股、成數 0.6，自備款和追繳價各是多少？ | 這個請求的重點在於算融資買進的自備款與追繳價，先排除不相干的選項：`twse_quote_lookup`、`taiwan_regulation_lookup` 是台股交易、法令遵循用的，都不符合。剩下 `margin_trading_calc` 才是處理處理融資融券試算的函式。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。
接著逐一對應參數：`price` 就是每股買進價，這裡填 41.1。`shares` 設為 4000，也就是題目說的融資股數。`financing_ratio` 設為 0.5，也就是題目說的融資成數。追繳維持率對應到 `maintenance_threshold`，值... | [{"name": "margin_trading_calc", "arguments": {"price": 41.1, "shares": 4000, "financing_ratio": 0.5, "maintenance_threshold": 1.3}}, {"name": "margin_trading_calc", "arguments": {"price": 198.9, "shares": 6000, "financing_ratio": 0.6, "maintenance_threshold": 1.3}}, {"name": "margin_trading_calc", "arguments": {"price... | [
{
"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\": {\... |
100,113 | I need 5 practice questions for the 銀行內部控制與內部稽核 licence on 信託實務. | [{"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": "Tota... | 我要準備銀行內部控制與內部稽核測驗，請給我 信託實務 的 5 題歷屆試題（hard）。 | 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：`dividend_tax_compare`、`taiwan_regulation_lookup` 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。
把題目資訊映射到函式參數：證照名稱對應到 `license`，值是 "銀行內部控制與內部稽核"。`topic`（科目主題）帶 "信託實務"。`count` 就是題數，這裡填 5。`difficulty` 就是難度，這裡填 "hard"。
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... | [{"name": "license_exam_question_bank", "arguments": {"license": "銀行內部控制與內部稽核", "topic": "信託實務", "count": 5, "difficulty": "hard"}}] | [
{
"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\": {\... |
100,114 | Give me a tax estimate for income 2760000 in ROC year 115 filing as single. | [{"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.",... | 請估算 115 年度綜合所得稅，收入 2760000 元，單身，0 名受扶養人，列舉扣除額。 | 讓我理一下。需求是試算個人綜合所得稅，工具清單裡有 3 個函式，其中 `dividend_tax_compare`、`twse_quote_lookup` 分別處理台股交易、稅務試算，跟這題無關；只有 `income_tax_estimate` 的描述對應估算綜所稅，所以選它。
接著逐一對應參數：`annual_income` 就是全年所得總額，這裡填 2760000。申報身分對應到 `filing_status`，值是 "single"。`dependents`（扶養親屬人數）帶 0。`deduction_type`（扣除額方式）帶 "itemized"。`tax_year`（民國年度）帶 115。型別上 `dependents... | [{"name": "income_tax_estimate", "arguments": {"annual_income": 2760000, "filing_status": "single", "dependents": 0, "deduction_type": "itemized", "tax_year": 115}}] | [
{
"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\": {\... |
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