100 lines
3.4 KiB
Python
100 lines
3.4 KiB
Python
|
"""申购服务：风险匹配校验 + 余额扣减 + 持仓加仓（单事务原子）。"""
|
||
|
|
from __future__ import annotations
|
||
|
|
|
||
|
|
from decimal import ROUND_HALF_UP, Decimal
|
||
|
|
|
||
|
|
from sqlalchemy.ext.asyncio import AsyncSession
|
||
|
|
|
||
|
|
from model.sys_user import SysUser
|
||
|
|
from repositories.fin_account import FinAccountRepo
|
||
|
|
from repositories.fin_customer_profile import FinCustomerProfileRepo
|
||
|
|
from repositories.fin_holdings import FinHoldingsRepo
|
||
|
|
from repositories.fin_product import FinProductRepo
|
||
|
|
from schemas.holdings import HoldingResp
|
||
|
|
from schemas.purchase import PurchaseResp
|
||
|
|
from utils.exceptions import (
|
||
|
|
ForbiddenError,
|
||
|
|
NotFoundError,
|
||
|
|
NotSuitableError,
|
||
|
|
ParamError,
|
||
|
|
)
|
||
|
|
|
||
|
|
_MONEY = Decimal("0.01")
|
||
|
|
_SHARES = Decimal("0.0001")
|
||
|
|
|
||
|
|
# 风险等级 → 序号。兼容两套口径：R1~R5 与 保守~激进（同一映射）。
|
||
|
|
_RISK_RANK = {
|
||
|
|
"R1": 1, "R2": 2, "R3": 3, "R4": 4, "R5": 5,
|
||
|
|
"保守": 1, "稳健": 2, "平衡": 3, "进取": 4, "激进": 5,
|
||
|
|
}
|
||
|
|
|
||
|
|
|
||
|
|
def _risk_rank(level: str | None) -> int | None:
|
||
|
|
"""客户画像 / 产品的风险等级统一转序号；未知返回 None。"""
|
||
|
|
if not level:
|
||
|
|
return None
|
||
|
|
return _RISK_RANK.get(level.strip())
|
||
|
|
|
||
|
|
|
||
|
|
async def purchase(
|
||
|
|
db: AsyncSession, user: SysUser, product_id: int, amount: Decimal
|
||
|
|
) -> PurchaseResp:
|
||
|
|
"""申购基金：校验通过后扣减余额并加仓，全程单事务。
|
||
|
|
|
||
|
|
- 仅客户可申购；
|
||
|
|
- 产品须在售且净值非空；
|
||
|
|
- 客户风险等级序号 >= 产品风险等级序号，否则 1005 拦截；
|
||
|
|
- 余额不足拦截；扣款 + 加仓要么都成、要么都回滚。
|
||
|
|
"""
|
||
|
|
if user.user_type != "CUSTOMER":
|
||
|
|
raise ForbiddenError("仅客户账号可申购")
|
||
|
|
|
||
|
|
amount = amount.quantize(_MONEY, rounding=ROUND_HALF_UP)
|
||
|
|
|
||
|
|
product = await FinProductRepo(db).get(product_id)
|
||
|
|
if product is None:
|
||
|
|
raise NotFoundError("产品不存在")
|
||
|
|
if product.status != "在售":
|
||
|
|
raise ParamError("产品不在售")
|
||
|
|
if product.nav is None:
|
||
|
|
raise ParamError("产品暂无净值，无法申购")
|
||
|
|
|
||
|
|
profile = await FinCustomerProfileRepo(db).get_by_customer_id(user.id)
|
||
|
|
customer_rank = _risk_rank(profile.risk_level if profile else None)
|
||
|
|
if customer_rank is None:
|
||
|
|
raise NotSuitableError("客户无风险等级，无法申购")
|
||
|
|
product_rank = _risk_rank(product.risk_level)
|
||
|
|
if product_rank is None or customer_rank < product_rank:
|
||
|
|
raise NotSuitableError()
|
||
|
|
|
||
|
|
shares = (amount / product.nav).quantize(_SHARES, rounding=ROUND_HALF_UP)
|
||
|
|
|
||
|
|
account_repo = FinAccountRepo(db)
|
||
|
|
holdings_repo = FinHoldingsRepo(db)
|
||
|
|
|
||
|
|
try:
|
||
|
|
if not await account_repo.deduct_balance(user.id, amount):
|
||
|
|
raise ParamError("可用余额不足")
|
||
|
|
await holdings_repo.upsert(user.id, product_id, shares, amount)
|
||
|
|
await db.commit()
|
||
|
|
except Exception:
|
||
|
|
await db.rollback()
|
||
|
|
raise
|
||
|
|
|
||
|
|
account = await account_repo.get_by_customer_id(user.id)
|
||
|
|
holding = await holdings_repo.get_by_customer_product(user.id, product_id)
|
||
|
|
return PurchaseResp(
|
||
|
|
balance=account.balance,
|
||
|
|
holding=HoldingResp(
|
||
|
|
id=holding.id,
|
||
|
|
customer_id=holding.customer_id,
|
||
|
|
product_id=holding.product_id,
|
||
|
|
shares=holding.shares,
|
||
|
|
cost_amount=holding.cost_amount,
|
||
|
|
current_value=holding.current_value,
|
||
|
|
profit_loss=holding.profit_loss,
|
||
|
|
profit_ratio=holding.profit_ratio,
|
||
|
|
status=holding.status,
|
||
|
|
),
|
||
|
|
)
|