feat:风控Agent（规则引擎+前置拦截+人工处置+工单闭环）

model/audit_log.py

@@ -0,0 +1,26 @@
+"""audit_log 操作审计日志 ORM 模型（谁在何时做了什么，企业级合规留痕）。"""
+from __future__ import annotations
+
+from datetime import datetime
+
+from sqlalchemy import BigInteger, DateTime, String, Text, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class AuditLog(Base):
+    __tablename__ = "audit_log"
+    __table_args__ = {"comment": "操作审计日志表（企业级合规留痕）"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    user_id: Mapped[int | None] = mapped_column(BigInteger)
+    username: Mapped[str | None] = mapped_column(String(64))
+    module: Mapped[str] = mapped_column(String(32))
+    action: Mapped[str] = mapped_column(String(64))
+    target: Mapped[str | None] = mapped_column(String(128))
+    detail: Mapped[str | None] = mapped_column(Text)
+    ip: Mapped[str | None] = mapped_column(String(64))
+    trace_id: Mapped[str | None] = mapped_column(String(32))
+    status: Mapped[str] = mapped_column(String(8), server_default="成功")
+    create_time: Mapped[datetime] = mapped_column(DateTime, server_default=func.now())

model/fin_risk_alert.py

@@ -0,0 +1,30 @@
+"""fin_risk_alert 风控预警 ORM 模型（命中记录 + 人工处置留痕）。"""
+from __future__ import annotations
+
+from datetime import datetime
+from decimal import Decimal
+from typing import Any
+
+from sqlalchemy import BigInteger, DateTime, JSON, Numeric, String, Text, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class FinRiskAlert(Base):
+    __tablename__ = "fin_risk_alert"
+    __table_args__ = {"comment": "风控预警表（阻断后由风控专员在控制台处置）"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    customer_id: Mapped[int] = mapped_column(BigInteger)
+    order_id: Mapped[int | None] = mapped_column(BigInteger)
+    alert_type: Mapped[str] = mapped_column(String(32))
+    alert_level: Mapped[str] = mapped_column(String(8))
+    trigger_detail: Mapped[str | None] = mapped_column(Text)
+    transaction_ids: Mapped[list | None] = mapped_column(JSON)
+    confidence: Mapped[Decimal] = mapped_column(Numeric(5, 2), server_default="0.50")
+    status: Mapped[str] = mapped_column(String(16), server_default="未处理")
+    handler_id: Mapped[int | None] = mapped_column(BigInteger)
+    handle_result: Mapped[str | None] = mapped_column(Text)
+    handle_time: Mapped[datetime | None] = mapped_column(DateTime)
+    create_time: Mapped[datetime] = mapped_column(DateTime, server_default=func.now())

model/fin_transaction.py

@@ -0,0 +1,29 @@
+"""fin_transaction 成交流水 ORM 模型（成交后落库的账务凭证）。"""
+from __future__ import annotations
+
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import BigInteger, DateTime, Numeric, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class FinTransaction(Base):
+    __tablename__ = "fin_transaction"
+    __table_args__ = {"comment": "成交流水表（成交后落库）"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    transaction_no: Mapped[str] = mapped_column(String(32), unique=True)
+    order_id: Mapped[int | None] = mapped_column(BigInteger)
+    customer_id: Mapped[int] = mapped_column(BigInteger)
+    product_id: Mapped[int] = mapped_column(BigInteger)
+    operator_id: Mapped[int | None] = mapped_column(BigInteger)
+    transaction_type: Mapped[str] = mapped_column(String(16))
+    amount: Mapped[Decimal] = mapped_column(Numeric(18, 2))
+    shares: Mapped[Decimal | None] = mapped_column(Numeric(18, 4))
+    nav: Mapped[Decimal | None] = mapped_column(Numeric(12, 6))
+    fee: Mapped[Decimal] = mapped_column(Numeric(12, 2), server_default="0")
+    status: Mapped[str] = mapped_column(String(16), server_default="已确认")
+    create_time: Mapped[datetime] = mapped_column(DateTime, server_default=func.now())

model/risk_rule.py

@@ -0,0 +1,29 @@
+"""risk_rule 风控规则 ORM 模型（规则引擎表驱动配置：存参数不存逻辑）。"""
+from __future__ import annotations
+
+from datetime import datetime
+from decimal import Decimal
+from typing import Any
+
+from sqlalchemy import BigInteger, DateTime, JSON, Numeric, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class RiskRule(Base):
+    __tablename__ = "risk_rule"
+    __table_args__ = {"comment": "风控规则表（20 条反洗钱/异常交易规则，驱动风控Agent）"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    rule_id: Mapped[str] = mapped_column(String(16), unique=True)
+    rule_name: Mapped[str] = mapped_column(String(64))
+    trigger_condition: Mapped[str | None] = mapped_column(String(512))
+    threshold: Mapped[dict[str, Any] | None] = mapped_column(JSON)
+    risk_level: Mapped[str] = mapped_column(String(8), server_default="低")
+    weight: Mapped[Decimal] = mapped_column(Numeric(4, 2), server_default="1.00")
+    status: Mapped[str] = mapped_column(String(8), server_default="启用")
+    create_time: Mapped[datetime] = mapped_column(DateTime, server_default=func.now())
+    update_time: Mapped[datetime] = mapped_column(
+        DateTime, server_default=func.now(), onupdate=func.now()
+    )

model/sys_message.py

@@ -0,0 +1,23 @@
+"""sys_message 站内信 ORM 模型（风控拦截/冻结后触达客户的通道）。"""
+from __future__ import annotations
+
+from datetime import datetime
+
+from sqlalchemy import BigInteger, DateTime, Integer, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class SysMessage(Base):
+    __tablename__ = "sys_message"
+    __table_args__ = {"comment": "站内信/消息中心表（投顾触达客户通道）"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    user_id: Mapped[int] = mapped_column(BigInteger)
+    msg_type: Mapped[str] = mapped_column(String(32))
+    title: Mapped[str] = mapped_column(String(128))
+    content: Mapped[str | None] = mapped_column(String(512))
+    biz_id: Mapped[str | None] = mapped_column(String(64))
+    is_read: Mapped[int] = mapped_column(Integer, server_default="0")
+    create_time: Mapped[datetime] = mapped_column(DateTime, server_default=func.now())

model/trade_order.py

@@ -0,0 +1,31 @@
+"""trade_order 交易申请单 ORM 模型（风控阻断闭环主表，状态机单一来源）。"""
+from __future__ import annotations
+
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import BigInteger, DateTime, Numeric, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class TradeOrder(Base):
+    __tablename__ = "trade_order"
+    __table_args__ = {"comment": "交易申请单（风控阻断闭环主表，状态机单一来源）"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    order_no: Mapped[str] = mapped_column(String(32), unique=True)
+    customer_id: Mapped[int] = mapped_column(BigInteger)
+    product_id: Mapped[int] = mapped_column(BigInteger)
+    advisor_id: Mapped[int | None] = mapped_column(BigInteger)
+    order_type: Mapped[str] = mapped_column(String(16))
+    amount: Mapped[Decimal | None] = mapped_column(Numeric(18, 2))
+    shares: Mapped[Decimal | None] = mapped_column(Numeric(18, 4))
+    nav: Mapped[Decimal | None] = mapped_column(Numeric(12, 6))
+    fee: Mapped[Decimal | None] = mapped_column(Numeric(12, 2))
+    status: Mapped[str] = mapped_column(String(16), server_default="待确认")
+    risk_alert_id: Mapped[int | None] = mapped_column(BigInteger)
+    cancel_reason: Mapped[str | None] = mapped_column(String(255))
+    create_time: Mapped[datetime] = mapped_column(DateTime, server_default=func.now())
+    confirm_time: Mapped[datetime | None] = mapped_column(DateTime)