feat:新增接口

service/product.py

@@ -0,0 +1,155 @@
+"""产品服务：列表（分页/筛选/排序）+ 历史业绩（净值/收益走势）。"""
+from __future__ import annotations
+
+from datetime import date, timedelta
+
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from model.fin_product import FinProduct
+from repositories.fund_nav import FundNavRepo
+from repositories.product import ProductRepo
+from utils.exceptions import NotFoundError, ParamError
+
+
+def _to_item(p: FinProduct) -> dict:
+    """ORM → 响应 dict（Decimal 显式转 float，避免序列化歧义）。"""
+    return {
+        "id": p.id,
+        "product_code": p.product_code,
+        "product_name": p.product_name,
+        "product_type": p.product_type,
+        "risk_level": p.risk_level,
+        "expected_return": float(p.expected_return) if p.expected_return is not None else None,
+        "nav": float(p.nav) if p.nav is not None else None,
+        "nav_date": p.nav_date.isoformat() if p.nav_date else None,
+        "fee_rate": float(p.fee_rate),
+        "term_days": p.term_days,
+        "fund_manager": p.fund_manager,
+        "status": p.status,
+        # 不改表：交易方式标识由现有字段推导（status=在售 可购买；term_days=0 可定投）
+        "support_purchase": p.status == "在售",
+        "support_dca": p.term_days == 0,
+    }
+
+
+async def list_products(
+    db: AsyncSession,
+    *,
+    page: int = 1,
+    page_size: int = 10,
+    keyword: str | None = None,
+    product_type: str | None = None,
+    risk_level: str | None = None,
+    status: str = "在售",
+    sort_by: str = "create_time",
+    sort_order: str = "desc",
+) -> dict:
+    if page < 1:
+        raise ParamError("page 必须 >= 1")
+    if page_size < 1 or page_size > 100:
+        raise ParamError("page_size 必须在 1-100 之间")
+    if sort_order not in ("asc", "desc"):
+        raise ParamError("sort_order 仅支持 asc/desc")
+
+    items, total = await ProductRepo(db).search(
+        keyword=keyword,
+        product_type=product_type,
+        risk_level=risk_level,
+        status=status,
+        sort_by=sort_by,
+        sort_order=sort_order,
+        limit=page_size,
+        offset=(page - 1) * page_size,
+    )
+    return {
+        "total": total,
+        "page": page,
+        "page_size": page_size,
+        "items": [_to_item(p) for p in items],
+    }
+
+
+def _calc_metrics(rows: list) -> dict:
+    """基于净值序列计算区间汇总指标（百分比）。
+
+    - total_growth_rate：总增长率 = 每天日增长率累加
+    - max_return_rate：区间最大收益率 = 从区间内最低点买入到其后最高点的最大涨幅
+    - max_drawdown_rate：区间最大回撤率 = 从区间内最高点回落到其后最低点的最大跌幅
+    """
+    total_growth = sum(
+        float(r.daily_growth) for r in rows if r.daily_growth is not None
+    )
+
+    peak = trough = float(rows[0].unit_nav)
+    max_return = max_drawdown = 0.0
+    for r in rows:
+        nav = float(r.unit_nav)
+        peak = max(peak, nav)
+        trough = min(trough, nav)
+        max_drawdown = max(max_drawdown, (peak - nav) / peak if peak else 0.0)
+        max_return = max(max_return, (nav - trough) / trough if trough else 0.0)
+
+    return {
+        "total_growth_rate": round(total_growth, 4),
+        "max_return_rate": round(max_return * 100, 4),
+        "max_drawdown_rate": round(max_drawdown * 100, 4),
+    }
+
+
+async def get_history(
+    db: AsyncSession,
+    product_code: str,
+    start_date: date | None = None,
+    end_date: date | None = None,
+    series: str = "nav",
+) -> dict:
+    if series not in ("nav", "return"):
+        raise ParamError("series 仅支持 nav/return")
+    if await ProductRepo(db).get_by_code(product_code) is None:
+        raise NotFoundError("基金产品不存在")
+
+    end = end_date or date.today()
+    start = start_date or (end - timedelta(days=90))
+    if start > end:
+        raise ParamError("start_date 不能晚于 end_date")
+
+    rows = await FundNavRepo(db).list_series(product_code, start, end)
+    if not rows:
+        return {
+            "product_code": product_code,
+            "series": series,
+            "total_growth_rate": 0.0,
+            "max_return_rate": 0.0,
+            "max_drawdown_rate": 0.0,
+            "items": [],
+        }
+
+    if series == "nav":
+        items = [
+            {
+                "nav_date": r.nav_date.isoformat(),
+                "unit_nav": float(r.unit_nav),
+                "accumulated_nav": float(r.accumulated_nav) if r.accumulated_nav is not None else None,
+                "daily_growth": float(r.daily_growth) if r.daily_growth is not None else None,
+            }
+            for r in rows
+        ]
+    else:
+        base = float(rows[0].unit_nav)  # 区间首日为基准，累计收益实时从净值计算
+        items = [
+            {
+                "nav_date": r.nav_date.isoformat(),
+                "unit_nav": float(r.unit_nav),
+                "cum_return_pct": round((float(r.unit_nav) / base - 1) * 100, 4),
+            }
+            for r in rows
+        ]
+    metrics = _calc_metrics(rows)
+    return {
+        "product_code": product_code,
+        "series": series,
+        "total_growth_rate": metrics["total_growth_rate"],
+        "max_return_rate": metrics["max_return_rate"],
+        "max_drawdown_rate": metrics["max_drawdown_rate"],
+        "items": items,
+    }

service/questionnaire.py

@@ -0,0 +1,85 @@
+"""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 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）
+_SCORE_LEVELS = (
+    (80, "激进"),
+    (60, "进取"),
+    (40, "平衡"),
+    (20, "稳健"),
+    (0, "保守"),
+)
+
+
+def _score_to_level(score: int) -> str:
+    for threshold, level in _SCORE_LEVELS:
+        if score >= threshold:
+            return level
+    return "保守"
+
+
+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)
+
+    return {
+        "assessment_id": record.id,
+        "total_score": total_score,
+        "risk_level": risk_level,
+        "valid_until": valid_until.isoformat(),
+    }