feat:新增接口

service/redeem.py

@@ -1,31 +1,53 @@
-"""赎回服务：校验持仓 → 减仓 + 余额入账（单事务原子）。"""
+"""赎回服务：校验持仓 → 建单(待确认) → 风控检测 → 落账/挂起（单事务原子）。"""
 from __future__ import annotations
 
+from datetime import datetime
 from decimal import ROUND_HALF_UP, Decimal
 
 from sqlalchemy.ext.asyncio import AsyncSession
 
+from model.fin_risk_alert import FinRiskAlert
+from model.fin_transaction import FinTransaction
 from model.sys_user import SysUser
+from model.trade_order import TradeOrder
 from repositories.fin_account import FinAccountRepo
 from repositories.fin_holdings import FinHoldingsRepo
 from repositories.fin_product import FinProductRepo
+from repositories.trade_order import TradeOrderRepo
 from schemas.holdings import HoldingResp
 from schemas.redeem import RedeemResp
+from service.risk.engine import RiskEngine, summarize
+from service.risk.settle import settle
 from utils.exceptions import ForbiddenError, NotFoundError, ParamError
+from utils.order_no import gen_order_no
 
 _MONEY = Decimal("0.01")
 _SHARES = Decimal("0.0001")
 
 
+def _holding_resp(holding) -> HoldingResp:
+    return 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,
+    )
+
+
 async def redeem(
     db: AsyncSession, user: SysUser, product_id: int, shares: Decimal
 ) -> RedeemResp:
-    """赎回基金：校验通过后减仓并按净值入账，全程单事务。
+    """赎回基金：校验持仓 → 建单 → 风控检测 → 落账/挂起，全程单事务。
 
     - 仅客户可赎回；
-    - 产品须存在且净值非空；
-    - 持仓须存在且份额 > 0，赎回份额不得超过持仓份额；
-    - 减仓（归 0 时置'已清仓'）+ 入账要么都成、要么都回滚。
+    - 产品须存在且净值非空，持仓须足额；
+    - 未命中规则：减仓 + 入账 + 写流水，订单「已确认」；
+    - 命中规则：生成预警，订单「风控挂起」，账户与持仓不变。
     """
     if user.user_type != "CUSTOMER":
         raise ForbiddenError("仅客户账号可赎回")
@@ -40,8 +62,8 @@ async def redeem(
     if product.nav is None:
         raise ParamError("产品暂无净值，无法赎回")
 
-    account_repo = FinAccountRepo(db)
     holdings_repo = FinHoldingsRepo(db)
+    account_repo = FinAccountRepo(db)
 
     holding = await holdings_repo.get_by_customer_product(user.id, product_id)
     if holding is None or holding.shares <= 0:
@@ -53,28 +75,82 @@ async def redeem(
     if credited <= 0:
         raise ParamError("赎回金额过低")
 
+    now = datetime.now()
+    order = TradeOrder(
+        order_no=gen_order_no("PO"),
+        customer_id=user.id,
+        product_id=product_id,
+        advisor_id=None,
+        order_type="赎回",
+        amount=credited,
+        shares=shares,
+        nav=product.nav,
+        fee=Decimal("0"),
+        status="待确认",
+        create_time=now,
+    )
+    db.add(order)
+    await db.flush()  # 生成 order.id，供流水/预警关联
+
+    hits = await RiskEngine(db).detect(order, user)
+
     try:
-        if not await holdings_repo.redeem(user.id, product_id, shares):
-            raise ParamError("可赎回份额不足")
-        await account_repo.credit_balance(user.id, credited)
+        if not hits:
+            # 未命中：减仓 + 入账 + 写流水 + 订单确认
+            await settle(db, order)
+            db.add(
+                FinTransaction(
+                    transaction_no=gen_order_no("TR"),
+                    order_id=order.id,
+                    customer_id=user.id,
+                    product_id=product_id,
+                    operator_id=None,
+                    transaction_type="赎回",
+                    amount=credited,
+                    shares=shares,
+                    nav=product.nav,
+                    fee=Decimal("0"),
+                    status="已确认",
+                    create_time=now,
+                )
+            )
+            await TradeOrderRepo(db).update_status(
+                order.id, status="已确认", confirm_time=now
+            )
+            await db.commit()
+            account = await account_repo.get_by_customer_id(user.id)
+            current_holding = await holdings_repo.get_by_customer_product(
+                user.id, product_id
+            )
+            return RedeemResp(
+                order_no=order.order_no,
+                status="已确认",
+                balance=account.balance,
+                holding=_holding_resp(current_holding),
+            )
+
+        # 命中：生成预警 + 订单挂起
+        summary = summarize(hits)
+        alert = FinRiskAlert(
+            customer_id=user.id,
+            order_id=order.id,
+            alert_type=summary.alert_type,
+            alert_level=summary.alert_level,
+            trigger_detail=summary.trigger_detail,
+            transaction_ids=summary.transaction_ids or None,
+            confidence=summary.confidence,
+            status="未处理",
+            create_time=now,
+        )
+        db.add(alert)
+        await db.flush()  # 生成 alert.id，供订单回填 risk_alert_id
+        await TradeOrderRepo(db).update_status(
+            order.id, status="风控挂起", risk_alert_id=alert.id
+        )
         await db.commit()
+        return RedeemResp(
+            order_no=order.order_no, status="风控挂起", alert_id=alert.id
+        )
     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 RedeemResp(
-        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,
-        ),
-    )