feat:风控Agent（规则引擎+前置拦截+人工处置+工单闭环）

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()
+    )