feat:风控Agent（规则引擎+前置拦截+人工处置+工单闭环）

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())