141 lines
4.5 KiB
Markdown
141 lines
4.5 KiB
Markdown
# AGENTS.md —— Finances Agent 工作区
|
|
|
|
你是杨轩的 AI 家庭财务顾问，在这里记录和分析所有家庭财务数据。
|
|
|
|
## 会话启动
|
|
1. 读取 `SOUL.md` —— 身份定位
|
|
2. 读取 `MEMORY.md` 获得历史上下文
|
|
3. 检查并初始化 MySQL 数据库 finances
|
|
|
|
## 数据库初始化 SQL（首次运行自动执行）
|
|
|
|
```sql
|
|
CREATE DATABASE IF NOT EXISTS finances DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci;
|
|
USE finances;
|
|
|
|
-- 家庭成员表
|
|
CREATE TABLE IF NOT EXISTS family_members (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
name VARCHAR(50) NOT NULL,
|
|
role VARCHAR(20) COMMENT '配偶/子女/父母/其他',
|
|
is_active BOOLEAN DEFAULT TRUE,
|
|
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
|
|
);
|
|
|
|
-- 收入记录表
|
|
CREATE TABLE IF NOT EXISTS income_records (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
member_id INT,
|
|
source VARCHAR(100) COMMENT '工资/奖金/副业/投资收益',
|
|
amount DECIMAL(12,2) NOT NULL,
|
|
frequency VARCHAR(20) COMMENT '月/季/年/一次性',
|
|
recorded_date DATE,
|
|
note TEXT,
|
|
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
|
FOREIGN KEY (member_id) REFERENCES family_members(id)
|
|
);
|
|
|
|
-- 固定支出表
|
|
CREATE TABLE IF NOT EXISTS fixed_expenses (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
member_id INT,
|
|
category VARCHAR(50) COMMENT '房贷/房租/车贷/保险/物业费/学费',
|
|
amount DECIMAL(12,2) NOT NULL,
|
|
frequency VARCHAR(20) COMMENT '月/季/年',
|
|
due_date INT COMMENT '扣款日(1-31)',
|
|
note TEXT,
|
|
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
|
FOREIGN KEY (member_id) REFERENCES family_members(id)
|
|
);
|
|
|
|
-- 可变支出表
|
|
CREATE TABLE IF NOT EXISTS variable_expenses (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
member_id INT,
|
|
category VARCHAR(50) COMMENT '餐饮/购物/娱乐/交通/医疗/人情',
|
|
amount DECIMAL(12,2) NOT NULL,
|
|
recorded_date DATE,
|
|
note TEXT,
|
|
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
|
FOREIGN KEY (member_id) REFERENCES family_members(id)
|
|
);
|
|
|
|
-- 资产表
|
|
CREATE TABLE IF NOT EXISTS assets (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
member_id INT,
|
|
asset_type VARCHAR(50) COMMENT '存款/理财/基金/股票/房产/车辆',
|
|
name VARCHAR(100),
|
|
current_value DECIMAL(12,2) NOT NULL,
|
|
note TEXT,
|
|
updated_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
|
|
FOREIGN KEY (member_id) REFERENCES family_members(id)
|
|
);
|
|
|
|
-- 负债表
|
|
CREATE TABLE IF NOT EXISTS liabilities (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
member_id INT,
|
|
liability_type VARCHAR(50) COMMENT '房贷/车贷/消费贷/信用卡/亲友借款',
|
|
total_amount DECIMAL(12,2) NOT NULL,
|
|
interest_rate DECIMAL(5,2) COMMENT '年利率%',
|
|
remaining_months INT,
|
|
monthly_payment DECIMAL(12,2),
|
|
note TEXT,
|
|
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
|
FOREIGN KEY (member_id) REFERENCES family_members(id)
|
|
);
|
|
|
|
-- 财务目标表
|
|
CREATE TABLE IF NOT EXISTS financial_goals (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
member_id INT,
|
|
goal_type VARCHAR(20) COMMENT '短期/中期/长期',
|
|
description VARCHAR(200) NOT NULL,
|
|
target_amount DECIMAL(12,2),
|
|
target_date DATE,
|
|
current_progress DECIMAL(12,2) DEFAULT 0,
|
|
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
|
|
FOREIGN KEY (member_id) REFERENCES family_members(id)
|
|
);
|
|
|
|
-- 对话日志表
|
|
CREATE TABLE IF NOT EXISTS conversation_log (
|
|
id INT AUTO_INCREMENT PRIMARY KEY,
|
|
user_input TEXT,
|
|
agent_response TEXT,
|
|
created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
|
|
);
|
|
```
|
|
|
|
## 常用 SQL 查询
|
|
|
|
### 月度总收支
|
|
```sql
|
|
SELECT
|
|
DATE_FORMAT(v.recorded_date, '%Y-%m') AS month,
|
|
COALESCE(i.total_income, 0) AS total_income,
|
|
COALESCE(f.total_fixed, 0) + COALESCE(v.total_variable, 0) AS total_expense,
|
|
COALESCE(i.total_income, 0) - (COALESCE(f.total_fixed, 0) + COALESCE(v.total_variable, 0)) AS balance
|
|
FROM
|
|
(SELECT DATE_FORMAT(recorded_date, '%Y-%m') AS m, SUM(amount) AS total_income FROM income_records GROUP BY m) i
|
|
LEFT JOIN (SELECT DATE_FORMAT(recorded_date, '%Y-%m') AS m, SUM(amount) AS total_variable FROM variable_expenses GROUP BY m) v ON i.m = v.m
|
|
CROSS JOIN (SELECT SUM(amount) AS total_fixed FROM fixed_expenses WHERE frequency='月') f
|
|
ORDER BY month DESC;
|
|
```
|
|
|
|
### 资产负债总览
|
|
```sql
|
|
SELECT '资产' AS type, asset_type AS item, SUM(current_value) AS total FROM assets GROUP BY asset_type
|
|
UNION ALL
|
|
SELECT '负债' AS type, liability_type AS item, SUM(total_amount) AS total FROM liabilities GROUP BY liability_type;
|
|
```
|
|
|
|
### 当月支出分类
|
|
```sql
|
|
SELECT category, SUM(amount) AS total
|
|
FROM variable_expenses
|
|
WHERE DATE_FORMAT(recorded_date, '%Y-%m') = DATE_FORMAT(CURDATE(), '%Y-%m')
|
|
GROUP BY category ORDER BY total DESC;
|
|
```
|