feat:新增接口

2026-09-10 23:21:30 +08:00
parent bd7adfd919
commit ea091c041b
25 changed files with 897 additions and 20 deletions
@@ -0,0 +1,80 @@
+"""资金账户服务：余额查询 + 余额加减（路由层只编排，不碰数据/逻辑）。"""
+from __future__ import annotations
+
+from decimal import Decimal
+
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from model.fin_account import FinAccount
+from model.sys_user import SysUser
+from repositories.fin_account import FinAccountRepo
+from schemas.account import BalanceResp
+from utils.exceptions import ForbiddenError, NotFoundError, ParamError
+
+_ZERO = Decimal("0.00")
+_DEFAULT_CURRENCY = "CNY"
+
+
+def _build_balance_resp(account: FinAccount) -> BalanceResp:
+    return BalanceResp(
+        customer_id=account.customer_id,
+        balance=account.balance,
+        available_balance=account.balance - account.frozen_amount,
+        frozen_amount=account.frozen_amount,
+        currency=account.currency,
+        status=account.status,
+        update_time=account.update_time,
+    )
+
+
+async def get_balance(db: AsyncSession, user: SysUser) -> BalanceResp:
+    """查询当前用户现金余额。
+
+    - 仅客户账号可查（员工共用 sys_user，但无资金账户）；
+    - 未开资金户时按零余额返回，不报错。
+    """
+    if user.user_type != "CUSTOMER":
+        raise ForbiddenError("仅客户账号可查询资金余额")
+
+    account = await FinAccountRepo(db).get_by_customer_id(user.id)
+    if account is None:
+        return BalanceResp(
+            customer_id=user.id,
+            balance=_ZERO,
+            available_balance=_ZERO,
+            frozen_amount=_ZERO,
+            currency=_DEFAULT_CURRENCY,
+            status="正常",
+        )
+
+    return _build_balance_resp(account)
+
+
+async def adjust_balance(
+    db: AsyncSession, user: SysUser, direction: str, amount: Decimal
+) -> BalanceResp:
+    """加减余额：direction=add 入账 / sub 出账。
+
+    - add：balance += amount，未开资金户时自动开户入账；
+    - sub：balance -= amount，可用余额（balance - frozen_amount）不足时报错。
+    """
+    if user.user_type != "CUSTOMER":
+        raise ForbiddenError("仅客户账号可调整余额")
+
+    repo = FinAccountRepo(db)
+    account = await repo.get_by_customer_id(user.id)
+
+    if direction == "add":
+        if account is None:
+            account = await repo.create(user.id, amount)
+        else:
+            account = await repo.add_balance(user.id, amount)
+    else:  # sub
+        if account is None:
+            raise NotFoundError("资金账户不存在")
+        updated = await repo.subtract_balance(user.id, amount)
+        if updated is None:
+            raise ParamError("可用余额不足")
+        account = updated
+
+    return _build_balance_resp(account)
@@ -0,0 +1,37 @@
+"""持仓服务：查询当前客户持仓（路由层只编排，不碰数据/逻辑）。"""
+from __future__ import annotations
+
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from model.sys_user import SysUser
+from repositories.fin_holdings import FinHoldingsRepo
+from schemas.holdings import HoldingResp
+from utils.exceptions import ForbiddenError
+
+_HOLDING_STATUS = "持有中"
+
+
+async def get_holdings(db: AsyncSession, user: SysUser) -> list[HoldingResp]:
+    """查询当前客户的在持持仓（status=持有中）。
+
+    - 仅客户账号可查（员工共用 sys_user，但无持仓）；
+    - 无持仓返回空列表，不报错。
+    """
+    if user.user_type != "CUSTOMER":
+        raise ForbiddenError("仅客户账号可查询持仓")
+
+    holdings = await FinHoldingsRepo(db).list_by_customer(user.id, _HOLDING_STATUS)
+    return [
+        HoldingResp(
+            id=h.id,
+            customer_id=h.customer_id,
+            product_id=h.product_id,
+            shares=h.shares,
+            cost_amount=h.cost_amount,
+            current_value=h.current_value,
+            profit_loss=h.profit_loss,
+            profit_ratio=h.profit_ratio,
+            status=h.status,
+        )
+        for h in holdings
+    ]
@@ -0,0 +1,99 @@
+"""申购服务：风险匹配校验 + 余额扣减 + 持仓加仓（单事务原子）。"""
+from __future__ import annotations
+
+from decimal import ROUND_HALF_UP, Decimal
+
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from model.sys_user import SysUser
+from repositories.fin_account import FinAccountRepo
+from repositories.fin_customer_profile import FinCustomerProfileRepo
+from repositories.fin_holdings import FinHoldingsRepo
+from repositories.fin_product import FinProductRepo
+from schemas.holdings import HoldingResp
+from schemas.purchase import PurchaseResp
+from utils.exceptions import (
+    ForbiddenError,
+    NotFoundError,
+    NotSuitableError,
+    ParamError,
+)
+
+_MONEY = Decimal("0.01")
+_SHARES = Decimal("0.0001")
+
+# 风险等级 → 序号。兼容两套口径：R1~R5 与 保守~激进（同一映射）。
+_RISK_RANK = {
+    "R1": 1, "R2": 2, "R3": 3, "R4": 4, "R5": 5,
+    "保守": 1, "稳健": 2, "平衡": 3, "进取": 4, "激进": 5,
+}
+
+
+def _risk_rank(level: str | None) -> int | None:
+    """客户画像 / 产品的风险等级统一转序号；未知返回 None。"""
+    if not level:
+        return None
+    return _RISK_RANK.get(level.strip())
+
+
+async def purchase(
+    db: AsyncSession, user: SysUser, product_id: int, amount: Decimal
+) -> PurchaseResp:
+    """申购基金：校验通过后扣减余额并加仓，全程单事务。
+
+    - 仅客户可申购；
+    - 产品须在售且净值非空；
+    - 客户风险等级序号 >= 产品风险等级序号，否则 1005 拦截；
+    - 余额不足拦截；扣款 + 加仓要么都成、要么都回滚。
+    """
+    if user.user_type != "CUSTOMER":
+        raise ForbiddenError("仅客户账号可申购")
+
+    amount = amount.quantize(_MONEY, rounding=ROUND_HALF_UP)
+
+    product = await FinProductRepo(db).get(product_id)
+    if product is None:
+        raise NotFoundError("产品不存在")
+    if product.status != "在售":
+        raise ParamError("产品不在售")
+    if product.nav is None:
+        raise ParamError("产品暂无净值，无法申购")
+
+    profile = await FinCustomerProfileRepo(db).get_by_customer_id(user.id)
+    customer_rank = _risk_rank(profile.risk_level if profile else None)
+    if customer_rank is None:
+        raise NotSuitableError("客户无风险等级，无法申购")
+    product_rank = _risk_rank(product.risk_level)
+    if product_rank is None or customer_rank < product_rank:
+        raise NotSuitableError()
+
+    shares = (amount / product.nav).quantize(_SHARES, rounding=ROUND_HALF_UP)
+
+    account_repo = FinAccountRepo(db)
+    holdings_repo = FinHoldingsRepo(db)
+
+    try:
+        if not await account_repo.deduct_balance(user.id, amount):
+            raise ParamError("可用余额不足")
+        await holdings_repo.upsert(user.id, product_id, shares, amount)
+        await db.commit()
+    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 PurchaseResp(
+        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,
+        ),
+    )
@@ -0,0 +1,80 @@
+"""赎回服务：校验持仓 → 减仓 + 余额入账（单事务原子）。"""
+from __future__ import annotations
+
+from decimal import ROUND_HALF_UP, Decimal
+
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from model.sys_user import SysUser
+from repositories.fin_account import FinAccountRepo
+from repositories.fin_holdings import FinHoldingsRepo
+from repositories.fin_product import FinProductRepo
+from schemas.holdings import HoldingResp
+from schemas.redeem import RedeemResp
+from utils.exceptions import ForbiddenError, NotFoundError, ParamError
+
+_MONEY = Decimal("0.01")
+_SHARES = Decimal("0.0001")
+
+
+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。
+
+    - 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。
+    """
+    if user.user_type != "CUSTOMER":
+        raise ForbiddenError("仅客户账号可赎回")
+
+    shares = shares.quantize(_SHARES, rounding=ROUND_HALF_UP)
+    if shares <= 0:
+        raise ParamError("赎回份额须大于 0")
+
+    product = await FinProductRepo(db).get(product_id)
+    if product is None:
+        raise NotFoundError("产品不存在")
+    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)
+
+    holding = await holdings_repo.get_by_customer_product(user.id, product_id)
+    if holding is None or holding.shares <= 0:
+        raise ParamError("无可赎回份额")
+    if holding.shares < shares:
+        raise ParamError("可赎回份额不足")
+
+    credited = (shares * product.nav).quantize(_MONEY, rounding=ROUND_HALF_UP)
+    if credited <= 0:
+        raise ParamError("赎回金额过低")
+
+    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)
+        await db.commit()
+    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,
+        ),
+    )