""" 规则解释库-固定结构： { "rule_id": "string", "rule_type": "PERSONAL | EDGE | BUSINESS", "category": "string", "subcategory": "string", "rule_description": "string", "decision_tendency": "PERSONAL | BUSINESS | UNCERTAIN", "confidence": 0.0, "applicable_conditions": ["string"], "exception_conditions": ["string"], "embedding_text": "string" } """ rule_embed = [ { "rule_id": "R-PER-ENT-001", "rule_type": "PERSONAL", "category": "文体娱乐", "subcategory": "健身娱乐", "rule_description": "健身、娱乐、文体活动相关支出，通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.95, "applicable_conditions": [ "商品或服务描述包含健身、娱乐、会员、年卡等" ], "exception_conditions": [ "备注中明确说明为员工福利或公司团建" ], "embedding_text": "健身、娱乐、文体活动相关的费用通常属于个人消费，例如健身房会员、瑜伽课程、娱乐活动费用。这类支出一般与企业主营业务无直接关系，若未明确标注为员工福利或团建活动，应判定为个人自行承担。" }, { "rule_id": "R-PER-CLOTH-002", "rule_type": "PERSONAL", "category": "个人形象", "subcategory": "服饰化妆", "rule_description": "服饰、化妆品等个人形象类支出通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.9, "applicable_conditions": [ "商品名称包含服装、鞋帽、化妆品、护肤品" ], "exception_conditions": [ "明确标注为工装、制服或企业统一采购" ], "embedding_text": "服饰、鞋帽、化妆品、护肤品等个人形象相关消费通常属于个人消费。这类支出主要满足个人生活需求，与企业经营活动无直接关联，除非明确说明为企业统一采购的工装或制服。" } , { "rule_id": "R-EDGE-FOOD-003", "rule_type": "EDGE", "category": "餐饮", "subcategory": "日常餐饮", "rule_description": "餐饮发票需结合使用场景判断", "decision_tendency": "UNCERTAIN", "confidence": 0.6, "applicable_conditions": [ "商品或服务描述为餐饮、餐费、用餐" ], "exception_conditions": [ "备注中包含客户接待、商务宴请、会议用餐" ], "embedding_text": "餐饮类发票存在较大判断灰区。个人日常用餐、私人聚餐通常属于个人消费；而客户接待、商务宴请、会议用餐等则可能属于企业经营支出，需要结合备注说明、参与对象和业务背景综合判断。" } , { "rule_id": "R-EDGE-TRAVEL-004", "rule_type": "EDGE", "category": "出行旅游", "subcategory": "旅游服务", "rule_description": "旅游类服务需重点关注使用目的", "decision_tendency": "UNCERTAIN", "confidence": 0.55, "applicable_conditions": [ "描述包含旅游、景区、门票、度假" ], "exception_conditions": [ "明确标注为商务出差、会议活动" ], "embedding_text": "旅游、景区门票、度假相关服务通常属于个人消费，但在特定情况下，如商务出差、会议活动或公司组织的业务相关出行，可能属于企业支出。需要结合备注、行程目的和业务背景进行判断。" } , { "rule_id": "R-PER-EDU-005", "rule_type": "PERSONAL", "category": "教育培训", "subcategory": "个人培训", "rule_description": "与个人能力提升相关的教育培训多为个人消费", "decision_tendency": "PERSONAL", "confidence": 0.8, "applicable_conditions": [ "描述包含培训班、课程、学费" ], "exception_conditions": [ "企业统一组织的岗位技能培训" ], "embedding_text": "个人兴趣或通用能力提升相关的教育培训费用，例如兴趣班、通用课程、非岗位必需培训，通常属于个人消费。只有在明确属于企业岗位技能培训或公司统一组织的情况下，才可能作为企业支出。" } , { "rule_id": "R-PER-MED-006", "rule_type": "PERSONAL", "category": "医疗保健", "subcategory": "体检保健", "rule_description": "医疗、体检、保健相关支出一般属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.9, "applicable_conditions": [ "描述包含体检、医疗、保健品" ], "exception_conditions": [ "企业统一安排的员工体检" ], "embedding_text": "医疗、体检、保健品等健康相关支出通常属于个人消费。这类费用主要用于个人健康管理，除非明确说明为企业统一安排的员工体检或福利项目。" } , { "rule_id": "R-PER-EDU-007", "rule_type": "PERSONAL", "category": "教育", "subcategory": "学费", "rule_description": "个人教育学费通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.9, "applicable_conditions": [ "发票内容包含学费、学杂费、教育服务费" ], "exception_conditions": [ "明确说明为企业员工岗位培训或企业统一付费" ], "embedding_text": "个人教育学费、学杂费、教育服务费等支出，通常用于个人学历或能力提升，与企业日常经营活动无直接关系，一般应判定为个人消费，除非明确标注为企业统一组织并支付的员工岗位培训费用。" } , { "rule_id": "R-PER-EDU-008", "rule_type": "PERSONAL", "category": "教育", "subcategory": "兴趣培训", "rule_description": "兴趣类培训费用通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.95, "applicable_conditions": [ "描述包含兴趣班、培训班、艺术班、辅导班" ], "exception_conditions": [ "企业统一安排的员工技能提升项目" ], "embedding_text": "兴趣班、艺术培训、辅导班等兴趣类培训费用主要用于个人或家庭教育需求，通常不属于企业经营性支出，应判定为个人消费，除非明确说明为企业统一组织的员工技能培训。" } , { "rule_id": "R-PER-CLOTH-009", "rule_type": "PERSONAL", "category": "个人消费", "subcategory": "服饰", "rule_description": "服装鞋帽类支出通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.9, "applicable_conditions": [ "商品名称包含服装、衣服、鞋、帽" ], "exception_conditions": [ "明确说明为工装、制服或企业统一采购" ], "embedding_text": "服装、鞋帽等服饰类消费主要满足个人日常穿着需求，通常属于个人消费，与企业经营活动无直接关联，除非明确标注为企业统一采购的工装或工作制服。" } , { "rule_id": "R-PER-COS-010", "rule_type": "PERSONAL", "category": "个人消费", "subcategory": "化妆品", "rule_description": "化妆品和护肤品支出通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.95, "applicable_conditions": [ "描述包含化妆品、护肤品、美容用品" ], "exception_conditions": [ "企业统一采购用于展示或业务用途" ], "embedding_text": "化妆品、护肤品、美容用品等消费主要用于个人形象管理和生活需求，一般不属于企业经营支出，应判定为个人消费，除非明确说明为企业统一采购并用于业务展示或特殊用途。" } , { "rule_id": "R-PER-JEWEL-011", "rule_type": "PERSONAL", "category": "个人消费", "subcategory": "首饰", "rule_description": "首饰类消费通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.98, "applicable_conditions": [ "描述包含首饰、珠宝、项链、戒指" ], "exception_conditions": [ "企业明确作为资产或礼品用途" ], "embedding_text": "首饰、珠宝、项链、戒指等装饰性消费通常具有明显的个人属性，与企业经营活动无直接关系，绝大多数情况下应判定为个人消费，只有在明确作为企业资产或业务礼品时才可能例外。" } , { "rule_id": "R-PER-MED-012", "rule_type": "PERSONAL", "category": "医疗健康", "subcategory": "体检", "rule_description": "个人体检费用通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.85, "applicable_conditions": [ "描述包含体检费、健康检查" ], "exception_conditions": [ "企业统一组织的员工体检" ], "embedding_text": "体检费、健康检查等医疗相关费用通常用于个人健康管理，属于个人消费范畴，除非明确说明为企业统一组织并支付的员工体检福利项目。" } , { "rule_id": "R-PER-HEALTH-013", "rule_type": "PERSONAL", "category": "医疗健康", "subcategory": "保健品", "rule_description": "保健品费用通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.9, "applicable_conditions": [ "描述包含保健品、营养品、滋补品" ], "exception_conditions": [ "企业明确作为福利统一发放" ], "embedding_text": "保健品、营养品、滋补品等费用主要用于个人身体调养和健康需求，通常不属于企业经营性支出，应判定为个人消费，除非明确作为企业统一发放的员工福利。" } , { "rule_id": "R-PER-ENT-014", "rule_type": "PERSONAL", "category": "文体娱乐", "subcategory": "电影", "rule_description": "电影票支出通常属于个人娱乐消费", "decision_tendency": "PERSONAL", "confidence": 0.95, "applicable_conditions": [ "描述包含电影票、观影服务" ], "exception_conditions": [ "明确说明为员工活动或团建" ], "embedding_text": "电影票、观影服务等支出属于典型的个人娱乐消费，通常与企业经营活动无直接关系，应判定为个人消费，除非明确标注为企业组织的员工活动或团建项目。" } , { "rule_id": "R-PER-KTV-015", "rule_type": "PERSONAL", "category": "文体娱乐", "subcategory": "KTV", "rule_description": "KTV 消费通常属于个人娱乐支出", "decision_tendency": "PERSONAL", "confidence": 0.95, "applicable_conditions": [ "描述包含KTV、包厢、娱乐消费" ], "exception_conditions": [ "明确说明为公司团建或客户接待" ], "embedding_text": "KTV、包厢娱乐等消费具有明显的个人娱乐属性，通常属于个人消费，与企业经营活动关联度较低，只有在明确说明为公司团建或客户接待的情况下才可能作为企业支出。" } , { "rule_id": "R-PER-FIT-016", "rule_type": "PERSONAL", "category": "文体娱乐", "subcategory": "健身", "rule_description": "健身卡和健身会员费用通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.97, "applicable_conditions": [ "描述包含健身卡、会员、年卡" ], "exception_conditions": [ "企业统一为员工购买健身福利" ], "embedding_text": "健身卡、健身会员、健身年卡等费用主要用于个人身体锻炼和健康管理，通常应判定为个人消费，除非明确说明为企业统一购买的员工健身福利项目。" } , { "rule_id": "R-PER-TRAVEL-017", "rule_type": "PERSONAL", "category": "出行旅游", "subcategory": "私人旅游", "rule_description": "私人旅游相关费用通常属于个人消费", "decision_tendency": "PERSONAL", "confidence": 0.9, "applicable_conditions": [ "描述包含旅游、度假、景区门票" ], "exception_conditions": [ "明确说明为商务出差或会议活动" ], "embedding_text": "私人旅游、度假、景区门票等费用通常用于个人休闲活动，与企业经营活动无直接关系，应判定为个人消费。只有在明确说明为商务出差、会议或业务相关活动时，才可能作为企业支出。" } ] rule_embed_update = [ { "rule_id": "R-PER-SHOP-018", "rule_type": "PERSONAL", "category": "办公用品", "subcategory": "纸制品", "rule_description": "购买卷纸、卫生纸等日常消耗性纸制品，通常用于个人或家庭生活场景，尤其在零售超市如山姆会员商店发生时，倾向于认定为个人消费。", "decision_tendency": "PERSONAL", "confidence": 0.85, "applicable_conditions": [ "商品明细包含“卷纸”、“卫生纸”、“抽纸”等关键词", "销售方为大型连锁商超或零售会员店（如山姆会员商店）", "发票金额较小，符合个人日用品采购特征" ], "exception_conditions": [ "发票备注中明确注明用于企业办公、行政后勤或物业用途", "买方为企业行政部门集中采购并附有合同或入库单据", "同一时期大量采购且数量远超日常使用范围" ], "embedding_text": "根据公开财税实践与企业报销政策分析，*纸制品*MM 经典卷纸. 类似商品在山姆会员商店等零售渠道购买时，通常被视为员工个人生活消费。此类商品虽属低值易耗品，但因直接关联个人生活起居，在缺乏明确企业用途说明的情况下，多数企业风控系统将其归类为非公务支出。该规则适用于单价较低、频次较高、无特殊行业属性的日用型纸制品采购行为。" } ]