Mutual_Fund/service/questionnaire.py

"""问卷服务：提交风险测评 → 完整性/选项校验 → 算分定级 → 落风评记录 → 回写画像。"""
from __future__ import annotations

from datetime import date, timedelta

from sqlalchemy.ext.asyncio import AsyncSession

from model.fin_risk_assessment import FinRiskAssessment
from repositories.questionnaire import QuestionRepo, QuestionnaireRepo
from repositories.risk_assessment import CustomerProfileRepo, RiskAssessmentRepo
from service.memory.composed_profile import invalidate_composed_profile
from utils.exceptions import NotFoundError, ParamError

# 分数 → 风险等级映射（总分 0-100，20 分一档；后续可迁移到 sys_config 运营化）
# 等级口径统一为 R1-R5：R1 最保守、R5 最激进，与产品 fin_product.risk_level 对齐
_SCORE_LEVELS = (
    (80, "R5"),
    (60, "R4"),
    (40, "R3"),
    (20, "R2"),
    (0, "R1"),
)


def _score_to_level(score: int) -> str:
    for threshold, level in _SCORE_LEVELS:
        if score >= threshold:
            return level
    return "R1"


async def submit_assessment(
    db: AsyncSession,
    customer_id: int,
    questionnaire_id: int,
    answers: list[dict],
) -> dict:
    questionnaire = await QuestionnaireRepo(db).get(questionnaire_id)
    if questionnaire is None:
        raise NotFoundError("问卷不存在")
    if questionnaire.status != "启用":
        raise ParamError("问卷未启用")

    questions = await QuestionRepo(db).list_by_questionnaire(questionnaire_id)
    if not questions:
        raise ParamError("问卷尚未配置题目")

    # 提交答案按 question_no（题号）建索引，校验必填完整性与选项合法性
    by_no = {a["question_no"]: a["option"] for a in answers}
    total_score = 0
    detail = []
    for q in questions:
        option = by_no.get(q.question_no)
        if option is None:
            raise ParamError(f"第{q.question_no}题未作答")
        scores = q.score_json or {}
        if option not in scores:
            raise ParamError(f"第{q.question_no}题选项非法: {option}")
        score = int(scores[option])
        total_score += score
        detail.append({"q": q.question_no, "a": option, "score": score})

    risk_level = _score_to_level(total_score)
    today = date.today()
    valid_until = today + timedelta(days=365)  # 监管要求一年一评

    record = FinRiskAssessment(
        customer_id=customer_id,
        assessment_date=today,
        question_version=questionnaire.version,
        total_score=total_score,
        risk_level=risk_level,
        answers=detail,
        assessor_type="AI评估",
        valid_until=valid_until,
    )
    record = await RiskAssessmentRepo(db).add(record)

    # 回写画像：无画像初始化，有画像更新风险等级/评分并递增版本号
    await CustomerProfileRepo(db).upsert_risk(customer_id, risk_level, total_score)
    # 画像变更后失效最终画像缓存（失败静默，不影响问卷提交）
    await invalidate_composed_profile(customer_id)

    return {
        "assessment_id": record.id,
        "total_score": total_score,
        "risk_level": risk_level,
        "valid_until": valid_until.isoformat(),
    }