feat:新增接口

model/fin_account.py

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+"""fin_account 客户资金账户表 ORM 模型（现金余额，一人一户）。
+
+balance 为账户总余额（含冻结部分），可用余额 = balance - frozen_amount，不落库。
+"""
+from __future__ import annotations
+
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import BigInteger, DateTime, Integer, Numeric, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class FinAccount(Base):
+    __tablename__ = "fin_account"
+    __table_args__ = {"comment": "客户资金账户表（现金余额，申购扣款/赎回入账的账务载体）"}
+
+    customer_id: Mapped[int] = mapped_column(
+        BigInteger, primary_key=True, autoincrement=False
+    )
+    balance: Mapped[Decimal] = mapped_column(Numeric(18, 2), server_default="0")
+    frozen_amount: Mapped[Decimal] = mapped_column(Numeric(18, 2), server_default="0")
+    currency: Mapped[str] = mapped_column(String(8), server_default="CNY")
+    status: Mapped[str] = mapped_column(String(16), server_default="正常")
+    version: Mapped[int] = mapped_column(Integer, server_default="0")
+    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/fin_customer_profile.py

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+"""fin_customer_profile 客户画像主表 ORM 模型。"""
+from __future__ import annotations
+
+from datetime import datetime
+from decimal import Decimal
+
+from sqlalchemy import JSON, BigInteger, DateTime, Integer, Numeric, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class FinCustomerProfile(Base):
+    __tablename__ = "fin_customer_profile"
+    __table_args__ = {"comment": "客户画像主表（RAG/GraphRAG 个性化推荐核心上下文）"}
+
+    customer_id: Mapped[int] = mapped_column(
+        BigInteger, primary_key=True, autoincrement=False
+    )
+    risk_level: Mapped[str | None] = mapped_column(String(16))
+    risk_score: Mapped[int | None] = mapped_column(Integer)
+    investment_experience: Mapped[str | None] = mapped_column(String(16))
+    annual_income_range: Mapped[str | None] = mapped_column(String(32))
+    total_assets: Mapped[Decimal | None] = mapped_column(Numeric(18, 2))
+    asset_allocation: Mapped[dict | None] = mapped_column(JSON)
+    product_preference: Mapped[dict | None] = mapped_column(JSON)
+    customer_level: Mapped[str | None] = mapped_column(String(16))
+    confidence_score: Mapped[Decimal] = mapped_column(
+        Numeric(5, 2), server_default="0.50"
+    )
+    profile_version: Mapped[int] = mapped_column(Integer, server_default="1")
+    update_time: Mapped[datetime] = mapped_column(
+        DateTime, server_default=func.now(), onupdate=func.now()
+    )

model/fin_holdings.py

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+"""fin_holdings 持仓表 ORM 模型（当前/历史持仓快照）。"""
+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 FinHoldings(Base):
+    __tablename__ = "fin_holdings"
+    __table_args__ = {"comment": "持仓表（当前/历史持仓快照）"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    customer_id: Mapped[int] = mapped_column(BigInteger)
+    product_id: Mapped[int] = mapped_column(BigInteger)
+    shares: Mapped[Decimal] = mapped_column(Numeric(18, 4), server_default="0")
+    cost_amount: Mapped[Decimal] = mapped_column(Numeric(18, 2), server_default="0")
+    current_value: Mapped[Decimal] = mapped_column(Numeric(18, 2), server_default="0")
+    profit_loss: Mapped[Decimal] = mapped_column(Numeric(18, 2), server_default="0")
+    profit_ratio: Mapped[Decimal] = mapped_column(Numeric(8, 4), server_default="0")
+    status: Mapped[str] = mapped_column(String(16), server_default="持有中")
+    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/fin_product.py

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+"""fin_product 公募基金产品表 ORM 模型。"""
+from __future__ import annotations
+
+from datetime import date, datetime
+from decimal import Decimal
+
+from sqlalchemy import BigInteger, Date, DateTime, Integer, Numeric, String, func
+from sqlalchemy.orm import Mapped, mapped_column
+
+from model.base import Base
+
+
+class FinProduct(Base):
+    __tablename__ = "fin_product"
+    __table_args__ = {"comment": "公募基金产品表"}
+
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    product_code: Mapped[str] = mapped_column(String(32), unique=True)
+    product_name: Mapped[str] = mapped_column(String(128))
+    product_type: Mapped[str] = mapped_column(String(32))
+    risk_level: Mapped[str] = mapped_column(String(8))
+    expected_return: Mapped[Decimal | None] = mapped_column(Numeric(7, 4))
+    nav: Mapped[Decimal | None] = mapped_column(Numeric(12, 6))
+    nav_date: Mapped[date | None] = mapped_column(Date)
+    fee_rate: Mapped[Decimal] = mapped_column(Numeric(6, 4), server_default="0.0000")
+    term_days: Mapped[int] = mapped_column(Integer, server_default="0")
+    fund_manager: Mapped[str | None] = mapped_column(String(64))
+    status: Mapped[str] = mapped_column(String(16), server_default="在售")
+    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()
+    )