id session_id role content created_at
c54ec0df-0a6d-456c-8c8a-772c6a22681d d9bca2c6-1031-46ec-99bb-e66467e7cb01 user -爽是我自己，年龄40岁，-鹏是我老公，年龄42岁，-程是我儿子，年龄11岁，-辉是我父亲，年龄68 ... 2026-05-28 02:22:39 Edit Delete
70fb0459-05db-48e5-8e31-807070203693 34b5ba35-be07-48c3-b36e-1e24e294e207 user 我目前的钱大概是这样分布的： · 存款/货币基金：大约占__5_% · 基金/股票/理财：大约占_3 ... 2026-05-28 02:23:55 Edit Delete
4f469bcb-e08b-458b-8750-5b828a0aae59 34b5ba35-be07-48c3-b36e-1e24e294e207 user 5%以内 比纯债收益高，且当前是牛市，想吃到牛市的红利 持有私募基金5年了，到现在都还没回本 这笔钱 ... 2026-05-28 02:30:16 Edit Delete
5ca281a4-66a5-4a28-a18e-24edd96dd317 d9bca2c6-1031-46ec-99bb-e66467e7cb01 user 我现在保费已经不低了，再增加保费对我来说是一个负担。 我的终身寿是年交4万，交10年，保额100万+ ... 2026-05-28 02:33:55 Edit Delete
d8a8ba56-a915-40bd-bad6-38d390a57f3a 34b5ba35-be07-48c3-b36e-1e24e294e207 user 我一直在等解套，2021年年初买的，目前还亏10% 2026-05-28 02:33:59 Edit Delete
d2814986-a80b-4726-8339-3b6514ade9d9 d9bca2c6-1031-46ec-99bb-e66467e7cb01 user 那你重新评估一下，我家的保险配置，我们5口人，每个人都需要添加哪些保险，预算是多少。 2026-05-28 02:49:12 Edit Delete
b42d60da-131b-4910-8e41-283c7ad63c86 8f08c3bd-4a2a-4425-8f48-cf2068caed60 user 我目前的钱大概是这样分布的：存款/货币基金：大约占15%；基金/股票/理财：大约占10%；保险（储蓄 ... 2026-05-28 04:22:45 Edit Delete
6aaedf4d-42e5-4980-815f-fbe14cc862ea 8f08c3bd-4a2a-4425-8f48-cf2068caed60 user 我目前的钱大概是这样分布的：存款/货币基金：大约占15%；基金/股票/理财：大约占10%；保险（储蓄 ... 2026-05-28 04:23:10 Edit Delete
ba0e3f47-da63-4f81-8126-c3e4a6a6197d 8f08c3bd-4a2a-4425-8f48-cf2068caed60 user 1：B 2：自己选 2026-05-28 04:25:46 Edit Delete
9f4912b0-b3fa-402d-abbc-cbdbf390ad8c 8f08c3bd-4a2a-4425-8f48-cf2068caed60 user 好的谢谢 2026-05-28 04:27:45 Edit Delete
9d0b00ef-2837-4eb5-ad2e-9b9bd4d122c7 8d534168-3a5c-4e0d-8b7d-93f118061550 user 客户情况41岁老公47岁，老公在建筑公司，自己医院护士，家里房子装修好买了电车30多万，自己手头还有 ... 2026-05-28 07:14:47 Edit Delete
43b519bf-fcf6-4f71-8852-6b0f9f4eeb53 8d534168-3a5c-4e0d-8b7d-93f118061550 user 客户情况41岁老公47岁，老公在建筑公司，自己医院护士，家里房子装修好买了电车30多万，自己手头还有 ... 2026-05-28 07:22:38 Edit Delete
1e6c484f-a026-4ada-8215-1dd0f6c365bb cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 我还想问下前面说到该不该还房贷的问题。有很多人现在手头有钱就第一件事去还房贷。对于这类人你有什么建议 ... 2026-05-29 00:22:01 Edit Delete
57108ceb-7131-4529-80f2-420084e2f729 cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 这是我客户案例，五年前做的公积金贷款，记不清利率了。还完还有十万，稳定工作，近期没有大额支出 2026-05-29 00:28:12 Edit Delete
859345f6-02a8-4f13-8eed-bf0c8b70abe2 cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 有个问题 如果这笔钱不还那么接下来十几年也要付利息，如果稳健理财3%，这样还值？ 2026-05-29 00:35:58 Edit Delete
5bad72fa-c34b-46c8-9c57-128c5efdcc65 cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 那如果用的商业贷款呢？或者说贷款利率到多少就先还贷款更好？ 2026-05-29 01:04:19 Edit Delete
9056ccdd-650e-4174-9cf9-73e5fdcca98e cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 还贷款的两种方式等额本息和等额本金帮我举例解释下 2026-05-29 01:12:25 Edit Delete
1c6ace11-0bec-4fc4-848f-f7c295fbc799 59fb17cb-c87f-4aa8-a1a7-e41ca80d57ec user 我持有的银行理财，它的费率构成是什么？管理费+托管费+销售服务费加起来每年是多少？如果我持有10年， ... 2026-05-29 01:23:41 Edit Delete
ce597e89-0364-4470-ae18-96eb13c46121 8d534168-3a5c-4e0d-8b7d-93f118061550 user [{"type":"text","text": ... 2026-05-29 01:28:36 Edit Delete
19fbf3d4-8945-4d71-a0ec-1bf9b4eb6b39 8d534168-3a5c-4e0d-8b7d-93f118061550 user 我持有的【宁波银行 沁宁优选量化中性策略】，它的费率构成是什么？管理费+托管费+销售服务费加起来每年 ... 2026-05-29 01:29:40 Edit Delete
bea48842-6d65-43d9-900c-2886ba86cce5 d9bca2c6-1031-46ec-99bb-e66467e7cb01 user 我持有的【盈米基金的理财产品】，它的费率构成是什么？管理费+托管费+销售服务费加起来每年是多少？如果 ... 2026-05-29 09:18:33 Edit Delete
dc079973-926d-4484-bb0d-7a994054a366 8d534168-3a5c-4e0d-8b7d-93f118061550 user 踩过的坑是21年买了房子，手上流动钱变少了，所以现在转型，要还房贷压力变大，有什么好的建议 2026-05-30 02:20:34 Edit Delete
92c048b5-b1f1-4fb0-bc12-42885e46f0d9 34b5ba35-be07-48c3-b36e-1e24e294e207 user 我持有的泰信基金顺心回报7号298080，它的费率构成是什么？管理费+托管费+销售服务费加起来每年是 ... 2026-05-30 02:29:43 Edit Delete
5149fcf7-18f2-4786-907c-d8fc2327086d 8d534168-3a5c-4e0d-8b7d-93f118061550 user new 恢复初始状态 2026-05-30 02:48:43 Edit Delete
e74b0730-dc93-4bcd-a479-611329105aee 59fb17cb-c87f-4aa8-a1a7-e41ca80d57ec user 回顾学员 2026-05-30 02:49:22 Edit Delete
dd877e44-0c10-49db-9958-e85f77433dae cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 我持有的银华富裕主题基金产品，它的费率构成是什么？管理费+托管费+销售服务费加起来每年是多少？如果我 ... 2026-05-30 02:57:41 Edit Delete
45d17ea6-a593-4375-bab7-90984b0fadea cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 也就是说其实买股票更划算？基金里面费率较低的是指数基金？ 2026-05-30 03:06:19 Edit Delete
a18dfd66-1900-43cc-88ea-3fd2dfc5bdd1 9485f948-3eac-4915-8d66-dadc90277912 user 你好呀 2026-05-30 03:11:06 Edit Delete
2281471c-b689-439f-a387-516bbc015a84 9485f948-3eac-4915-8d66-dadc90277912 user 切换到学员模式 2026-05-30 03:11:47 Edit Delete
a1574483-9006-47d5-8744-690b1e08dc7d 508aa0d2-234f-45b3-897c-9a26c420c67e user 你可以帮助我做点什么呢 2026-05-30 03:15:59 Edit Delete
f827c7b9-9866-4df6-97d3-adb72199d957 9485f948-3eac-4915-8d66-dadc90277912 user 帮我资产体检 2026-05-31 03:08:06 Edit Delete
1b70bdbb-bbcb-4b1d-bf92-ecc98f9d66c6 9485f948-3eac-4915-8d66-dadc90277912 user 创建新学员 2026-05-31 03:08:44 Edit Delete
9b7a084a-e266-4fed-a990-05cccf55e7d1 9485f948-3eac-4915-8d66-dadc90277912 user 洋姐 2026-05-31 03:09:19 Edit Delete
e9c537ac-dc55-4789-8288-b9fc7e12339f 9485f948-3eac-4915-8d66-dadc90277912 user 简洁给结论 2026-05-31 03:11:00 Edit Delete
0a18397f-87e1-410a-a9cd-a84d873822ff 9485f948-3eac-4915-8d66-dadc90277912 user 我每个月2万，我老公每个月2万 2026-05-31 03:11:34 Edit Delete
b45b56e2-5d03-471c-9d90-292da16071f0 9485f948-3eac-4915-8d66-dadc90277912 user 每个月支出2万，房贷1.4万 2026-05-31 03:12:13 Edit Delete
b4bd850a-7d35-4388-ba79-cf19de3b4264 9485f948-3eac-4915-8d66-dadc90277912 user 手里有200万，银行活期40万，基金股票160万，房子值400万 2026-05-31 03:13:59 Edit Delete
4c4c595a-278e-4543-bc6a-bf13acf91afa 9485f948-3eac-4915-8d66-dadc90277912 user 房贷还有300万，车贷3万吧，其他没有负债 2026-05-31 03:14:53 Edit Delete
715d462e-118e-4960-9b58-74e5305411a0 9485f948-3eac-4915-8d66-dadc90277912 user 全家都要，目前重疾医疗意外险寿险都有买 2026-05-31 03:15:52 Edit Delete
251d9771-5806-47a8-9352-a72d45a6ae6c e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 帮我做资产体检 2026-05-31 03:49:03 Edit Delete
b496296a-b0d6-4513-8a9b-e437be6a55c2 e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 1.40岁以上，一线城市 2.已婚有子女 3.20-30万 2026-05-31 03:53:58 Edit Delete
8d2a85a3-91dd-4e2f-a21e-d003525352d5 e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 4.1.5万 5.3000 6.200万 7.没有 8.基金30万保险15万 9.有，5000 10 ... 2026-05-31 04:27:17 Edit Delete
89dfaafa-8952-4ec5-b1b9-5f47524d5922 e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 1.是保费 2.房贷3000，正好房租3000抵扣房贷 子女教育现在孩子还小没有补课，所以没有什么开 ... 2026-05-31 04:32:29 Edit Delete
878b457c-663d-4e4f-9f44-698280c726a7 e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 打不开 2026-05-31 04:37:52 Edit Delete
3d260d3f-f9d0-4a44-967b-87717c5d37ed e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 优先行动清单 2026-05-31 07:06:17 Edit Delete
8fc5446e-9756-4e51-aa4a-79dbbe11f84c e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 盘活闲置现金 2026-05-31 07:44:27 Edit Delete
ff04b6fc-587a-45a1-b975-43f06658551f e0cddb39-92e0-41c7-aa3b-fdb8b09e68ad user 第三层 2026-05-31 07:49:27 Edit Delete
5f24e156-7a55-4e04-91a9-04caede0607e cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 上面说基金的费率，这些费率是只在购买时才有的吧？难道是每年都付？ 2026-06-02 04:24:56 Edit Delete
dfae871a-d5db-4ef3-913b-fef2f29830af cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 短债基金和债券基金有啥区别？ 2026-06-02 04:59:50 Edit Delete
76ca0738-a0cb-4750-95c2-1e96666a1287 cb421f06-82c7-439d-a0b9-29e3d7d52f91 user 帮我设计下比例 2026-06-02 05:14:18 Edit Delete