-- =====================================================================
-- 智能公募基金系统 · MySQL 建表脚本（24 张，见开发计划 §3.1）
-- 执行：mysql -u<user> -p <database> < sql/schema.sql
-- 约定：InnoDB / utf8mb4；采用"逻辑外键"（不建物理 FK，便于 Mock 数据灌入），
--       注释即文档，NL2SQL 以 COMMENT 注入 Schema。
-- =====================================================================

-- ---------------------------------------------------------------------
-- 01 统一用户表（客户 + 员工共用）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS sys_user (
    id            BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    username      VARCHAR(64)  NOT NULL COMMENT '登录账号，唯一',
    password_hash VARCHAR(255) NOT NULL COMMENT 'bcrypt 哈希，不存明文',
    salt          VARCHAR(32)  NULL     COMMENT '口令盐',
    real_name     VARCHAR(32)  NULL     COMMENT '真实姓名',
    phone         VARCHAR(20)  NOT NULL COMMENT '手机号（脱敏展示用）',
    user_type     VARCHAR(16)  NOT NULL DEFAULT 'CUSTOMER' COMMENT 'CUSTOMER=客户 / EMPLOYEE=员工 / ADMIN=管理员',
    employee_role VARCHAR(32)  NULL     COMMENT '员工角色：理财顾问/风控专员/客户经理/管理员',
    customer_level VARCHAR(16) NULL     COMMENT '客户等级：普通/金卡/白金/钻石/私行',
    status        VARCHAR(16)  NOT NULL DEFAULT '正常' COMMENT '账号状态：正常/禁用/冻结',
    create_time   DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time   DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    UNIQUE KEY uk_username (username),
    KEY idx_phone (phone),
    KEY idx_user_type (user_type)
) COMMENT='统一用户表（客户与员工共用账号体系）';

-- ---------------------------------------------------------------------
-- 02 客户画像主表
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fin_customer_profile (
    customer_id            BIGINT UNSIGNED NOT NULL COMMENT '客户ID，一对一关联 sys_user.id',
    risk_level             VARCHAR(16) NULL COMMENT '风险等级：保守/稳健/平衡/进取/激进',
    risk_score             INT         NULL COMMENT '风险评分 0-100，越高越激进',
    investment_experience  VARCHAR(16) NULL COMMENT '投资经验：0-1/1-3/3-5/5-10/10年以上',
    annual_income_range    VARCHAR(32) NULL COMMENT '年收入区间',
    total_assets           DECIMAL(18,2) NULL COMMENT '总资产（元）',
    asset_allocation       JSON        NULL COMMENT '资产配置偏好 {股票:30,债券:40,...}',
    product_preference     JSON        NULL COMMENT '产品偏好 {基金:[混合型,债券型]}',
    customer_level         VARCHAR(16) NULL COMMENT '客户等级（运营可调整）',
    confidence_score       DECIMAL(5,2) NOT NULL DEFAULT 0.50 COMMENT '画像置信度 0-1，用于推荐权重',
    profile_version        INT         NOT NULL DEFAULT 1 COMMENT '画像版本号（重建时递增）',
    update_time            DATETIME    NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    PRIMARY KEY (customer_id),
    KEY idx_risk_level (risk_level),
    KEY idx_total_assets (total_assets)
) COMMENT='客户画像主表（RAG/GraphRAG 个性化推荐核心上下文）';

-- ---------------------------------------------------------------------
-- 03 公募基金产品表
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fin_product (
    id             BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    product_code   VARCHAR(32)  NOT NULL COMMENT '基金代码，唯一，如 F000001',
    product_name   VARCHAR(128) NOT NULL COMMENT '基金名称',
    product_type   VARCHAR(32)  NOT NULL COMMENT '类型：货币/债券/混合/股票基金',
    risk_level     VARCHAR(8)   NOT NULL COMMENT '风险等级 R1-R5',
    expected_return DECIMAL(7,4) NULL COMMENT '预期年化收益率（%）',
    nav            DECIMAL(12,6) NULL COMMENT '最新单位净值',
    nav_date       DATE         NULL COMMENT '净值日期',
    fee_rate       DECIMAL(6,4) NOT NULL DEFAULT 0.0000 COMMENT '申购费率（%）',
    term_days      INT          NOT NULL DEFAULT 0 COMMENT '产品期限天数，0=活期（开放申赎）',
    fund_manager   VARCHAR(64)  NULL COMMENT '基金经理',
    status         VARCHAR(16)  NOT NULL DEFAULT '在售' COMMENT '在售/暂停/到期/清盘',
    create_time    DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time    DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    UNIQUE KEY uk_product_code (product_code),
    KEY idx_type_status (product_type, status),
    KEY idx_risk (risk_level)
) COMMENT='公募基金产品表';

-- ---------------------------------------------------------------------
-- 04 基金净值历史
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fund_nav_history (
    id              BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    product_id      BIGINT UNSIGNED NOT NULL COMMENT '产品ID',
    nav_date        DATE NOT NULL COMMENT '净值日期',
    unit_nav        DECIMAL(12,6) NOT NULL COMMENT '单位净值',
    accumulated_nav DECIMAL(12,6) NULL COMMENT '累计净值',
    daily_growth    DECIMAL(8,4)  NULL COMMENT '日增长率（%）',
    create_time     DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    UNIQUE KEY uk_product_date (product_id, nav_date)
) COMMENT='基金净值历史（业绩指标/走势图数据源）';

-- ---------------------------------------------------------------------
-- 05 交易申请单（申购/赎回主表：风控挂起→处置→回写的状态机载体）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS trade_order (
    id            BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    order_no      VARCHAR(32)   NOT NULL COMMENT '申请单号，全局唯一',
    customer_id   BIGINT UNSIGNED NOT NULL COMMENT '客户ID',
    product_id    BIGINT UNSIGNED NOT NULL COMMENT '产品ID',
    advisor_id    BIGINT UNSIGNED NULL COMMENT '经办投顾（代下/调仓）',
    order_type    VARCHAR(16)   NOT NULL COMMENT '申购/赎回',
    amount        DECIMAL(18,2) NULL COMMENT '申请金额（元）',
    shares        DECIMAL(18,4) NULL COMMENT '申请/成交份额',
    nav           DECIMAL(12,6) NULL COMMENT '确认净值（确认时回填）',
    fee           DECIMAL(12,2) NULL COMMENT '手续费（确认时回填）',
    status        VARCHAR(16)   NOT NULL DEFAULT '待确认' COMMENT '待确认/风控挂起/已确认/已撤单/失败',
    risk_alert_id BIGINT UNSIGNED NULL COMMENT '命中风控预警ID（挂起时关联）',
    cancel_reason VARCHAR(255)  NULL COMMENT '撤单/失败原因',
    create_time   DATETIME      NOT NULL DEFAULT CURRENT_TIMESTAMP,
    confirm_time  DATETIME      NULL COMMENT '确认时间',
    KEY idx_customer (customer_id, status),
    KEY idx_status (status),
    UNIQUE KEY uk_order_no (order_no)
) COMMENT='交易申请单（风控阻断闭环主表，状态机单一来源）';

-- ---------------------------------------------------------------------
-- 06 成交流水
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fin_transaction (
    id               BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    transaction_no   VARCHAR(32)   NOT NULL COMMENT '流水号，全局唯一',
    order_id         BIGINT UNSIGNED NULL COMMENT '关联申请单 ID',
    customer_id      BIGINT UNSIGNED NOT NULL,
    product_id       BIGINT UNSIGNED NOT NULL,
    operator_id      BIGINT UNSIGNED NULL COMMENT '经办理财顾问',
    transaction_type VARCHAR(16)   NOT NULL COMMENT '申购/赎回/分红/定投',
    amount           DECIMAL(18,2) NOT NULL COMMENT '交易金额（元）',
    shares           DECIMAL(18,4) NULL COMMENT '成交份额',
    nav              DECIMAL(12,6) NULL COMMENT '成交净值',
    fee              DECIMAL(12,2) NOT NULL DEFAULT 0 COMMENT '手续费（元）',
    status           VARCHAR(16)   NOT NULL DEFAULT '已确认' COMMENT '待确认/已确认/已撤单/失败',
    create_time      DATETIME      NOT NULL DEFAULT CURRENT_TIMESTAMP,
    UNIQUE KEY uk_transaction_no (transaction_no),
    KEY idx_customer_time (customer_id, create_time),
    KEY idx_product (product_id)
) COMMENT='成交流水表（成交后落库）';

-- ---------------------------------------------------------------------
-- 07 持仓表
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fin_holdings (
    id            BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    customer_id   BIGINT UNSIGNED NOT NULL COMMENT '持仓客户',
    product_id    BIGINT UNSIGNED NOT NULL COMMENT '持有产品',
    shares        DECIMAL(18,4) NOT NULL DEFAULT 0 COMMENT '持有份额',
    cost_amount   DECIMAL(18,2) NOT NULL DEFAULT 0 COMMENT '成本金额（元）',
    current_value DECIMAL(18,2) NOT NULL DEFAULT 0 COMMENT '当前市值（元，持仓重估任务更新）',
    profit_loss   DECIMAL(18,2) NOT NULL DEFAULT 0 COMMENT '盈亏金额（元）',
    profit_ratio  DECIMAL(8,4)  NOT NULL DEFAULT 0 COMMENT '盈亏比例（%）',
    status        VARCHAR(16)   NOT NULL DEFAULT '持有中' COMMENT '持有中/已清仓',
    create_time   DATETIME      NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time   DATETIME      NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    UNIQUE KEY uk_customer_product (customer_id, product_id),
    KEY idx_status (status)
) COMMENT='持仓表（当前/历史持仓快照）';

-- ---------------------------------------------------------------------
-- 08 风险评估记录
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fin_risk_assessment (
    id               BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    customer_id      BIGINT UNSIGNED NOT NULL COMMENT '被评估客户',
    assessment_date  DATE NOT NULL COMMENT '评估日期',
    question_version VARCHAR(16) NULL COMMENT '问卷版本（题目变更后按版本追溯）',
    total_score      INT NOT NULL COMMENT '总分 0-100',
    risk_level       VARCHAR(16) NOT NULL COMMENT '评定：保守/稳健/平衡/进取/激进',
    answers          JSON NULL COMMENT '答题详情 [{q:1,a:B,score:10}]',
    assessor_type    VARCHAR(16) NOT NULL DEFAULT 'AI评估' COMMENT 'AI评估/人工评估',
    valid_until      DATE NOT NULL COMMENT '有效期至（默认 +1年，监管一年一评）',
    create_time      DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    KEY idx_customer_date (customer_id, assessment_date)
) COMMENT='风险评估记录表（购买前问卷确认客户等级）';

-- ---------------------------------------------------------------------
-- 09 问卷模板
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS ops_questionnaire (
    id          BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    name        VARCHAR(64) NOT NULL COMMENT '问卷名称，如 风险测评问卷',
    q_type      VARCHAR(16) NOT NULL COMMENT '风险测评/投资者分类',
    version     VARCHAR(16) NOT NULL DEFAULT 'v1' COMMENT '版本号',
    status      VARCHAR(16) NOT NULL DEFAULT '启用' COMMENT '启用/停用',
    create_time DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP
) COMMENT='问卷模板表';

-- ---------------------------------------------------------------------
-- 10 题目表
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS ops_question (
    id              BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    questionnaire_id BIGINT UNSIGNED NOT NULL COMMENT '所属问卷',
    question_no     INT NOT NULL COMMENT '题号',
    content         VARCHAR(512) NOT NULL COMMENT '题干',
    option_json     JSON NULL COMMENT '选项配置 [{label:A,text:...}]',
    score_json      JSON NULL COMMENT '选项分值 {A:10,B:8,...}',
    sort            INT NOT NULL DEFAULT 0,
    UNIQUE KEY uk_q_no (questionnaire_id, question_no)
) COMMENT='问卷题目表（题目/选项/分值可运营配置）';

-- ---------------------------------------------------------------------
-- 11 风控预警表
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fin_risk_alert (
    id              BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    customer_id     BIGINT UNSIGNED NOT NULL COMMENT '被预警客户',
    order_id        BIGINT UNSIGNED NULL COMMENT '关联交易申请单（挂起时必填）',
    alert_type      VARCHAR(32)  NOT NULL COMMENT '大额交易/频繁交易/快进快出/疑洗钱/适当性异常等',
    alert_level     VARCHAR(8)   NOT NULL COMMENT '低(蓝)/中(黄)/高(红)',
    trigger_detail  TEXT         NULL COMMENT '触发详情（命中规则、AI 推理过程）',
    transaction_ids JSON         NULL COMMENT '关联交易 ID 列表',
    confidence      DECIMAL(5,2) NOT NULL DEFAULT 0.50 COMMENT '预警置信度',
    status          VARCHAR(16)  NOT NULL DEFAULT '未处理' COMMENT '未处理/处理中/已确认/已排除',
    handler_id      BIGINT UNSIGNED NULL COMMENT '处理人（风控专员）',
    handle_result   TEXT         NULL COMMENT '处置结论留痕',
    handle_time     DATETIME     NULL,
    create_time     DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
    KEY idx_status_level (status, alert_level),
    KEY idx_customer (customer_id),
    KEY idx_order (order_id)
) COMMENT='风控预警表（阻断后由风控专员在控制台处置）';

-- ---------------------------------------------------------------------
-- 12 风控规则表（规则引擎表驱动）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS risk_rule (
    id                BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    rule_id           VARCHAR(16)   NOT NULL COMMENT '规则编号，如 R001',
    rule_name         VARCHAR(64)   NOT NULL COMMENT '规则名称',
    trigger_condition VARCHAR(512)  NULL COMMENT '触发条件描述',
    threshold         JSON          NULL COMMENT '阈值配置 {amount:50000,...}',
    risk_level        VARCHAR(8)    NOT NULL DEFAULT '低' COMMENT '低/中/高',
    weight            DECIMAL(4,2)  NOT NULL DEFAULT 1.00 COMMENT '规则权重（预警分级用）',
    status            VARCHAR(8)    NOT NULL DEFAULT '启用' COMMENT '启用/停用（运营可调）',
    create_time       DATETIME      NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time       DATETIME      NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    UNIQUE KEY uk_rule_id (rule_id)
) COMMENT='风控规则表（20 条反洗钱/异常交易规则，驱动风控Agent）';

-- ---------------------------------------------------------------------
-- 13 通用业务工单表
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS biz_work_order (
    id             BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    work_order_no  VARCHAR(32)  NOT NULL COMMENT '工单编号，如 WO20260908xxxx',
    order_type     VARCHAR(32)  NOT NULL COMMENT '产品申购/产品赎回/投顾签约/信息变更/投诉建议/风评重做/可疑交易上报',
    sub_type       VARCHAR(32)  NULL COMMENT '子类型',
    customer_id    BIGINT UNSIGNED NULL COMMENT '关联客户',
    submitter_id   BIGINT UNSIGNED NULL COMMENT '提交人（客户或员工代办）',
    handler_id     BIGINT UNSIGNED NULL COMMENT '当前处理人（投顾/风控专员）',
    current_node   VARCHAR(32)  NOT NULL DEFAULT '初审' COMMENT '初审/复核/完成',
    priority       VARCHAR(8)   NOT NULL DEFAULT '普通' COMMENT '普通/紧急/特急',
    status         VARCHAR(16)  NOT NULL DEFAULT '待处理' COMMENT '待处理/处理中/待审核/已完成/已驳回',
    biz_content    JSON         NULL COMMENT '业务内容（按 order_type 结构各异）',
    create_time    DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time    DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    UNIQUE KEY uk_work_order_no (work_order_no),
    KEY idx_handler_status (handler_id, status),
    KEY idx_customer (customer_id)
) COMMENT='通用业务工单表（投标顾签约、可疑交易上报等流程载体）';

-- ---------------------------------------------------------------------
-- 14 会话归档表
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS conversation_archive (
    id          BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    session_id  VARCHAR(64) NOT NULL COMMENT '会话ID，同轮共用',
    user_id     BIGINT UNSIGNED NOT NULL COMMENT '对话用户',
    agent_type  VARCHAR(32) NOT NULL COMMENT 'customer/advisor/risk/analyst',
    role        VARCHAR(16) NOT NULL COMMENT 'user/assistant/system',
    content     MEDIUMTEXT  NULL COMMENT '对话内容',
    tool_calls  JSON        NULL COMMENT '工具调用记录 [{"tool":"nl2sql",...}]',
    trace_id    VARCHAR(64)  NULL COMMENT '请求链路追踪ID',
    create_time DATETIME    NOT NULL DEFAULT CURRENT_TIMESTAMP,
    trace_id VARCHAR(64) NULL COMMENT '请求链路追踪ID',
    KEY idx_session (session_id),
    KEY idx_user_time (user_id, create_time),
    KEY idx_agent (agent_type),
        message_id VARCHAR(64) NULL COMMENT '消息唯一ID，用于归档幂等',
    agent_run_id VARCHAR(64) NULL COMMENT 'Agent运行ID，用于调用链路追踪',
   UNIQUE KEY uk_session_message (session_id, message_id),
    KEY idx_agent_run (agent_run_id)
) COMMENT='会话归档表（审计回溯 + Agent 持续学习素材，归档前脱敏）';

-- ---------------------------------------------------------------------
-- 15 知识元数据表（原文存 MySQL，替代 MinIO）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fin_knowledge_meta (
    id                BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    knowledge_type    VARCHAR(32)  NOT NULL COMMENT '产品说明/政策法规/FAQ/操作指南/市场研报',
    title             VARCHAR(255) NOT NULL COMMENT '知识条目标题',
    source_file       VARCHAR(255) NULL COMMENT '来源文件名',
    raw_content       LONGTEXT     NULL COMMENT '文档原文/切片（MinIO 替代方案）',
    file_path         VARCHAR(512) NULL COMMENT '本地上传原文件路径（若保留）',
    milvus_collection VARCHAR(128) NULL COMMENT 'Milvus 向量集合名',
    version           VARCHAR(32)  NOT NULL DEFAULT 'v1',
    status            VARCHAR(16)  NOT NULL DEFAULT '有效' COMMENT '有效/过期/草稿',
    expire_at         DATETIME     NULL COMMENT '过期时间（政策 1 年/产品说明半年）',
    create_time       DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time       DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    KEY idx_type (knowledge_type),
    KEY idx_status (status)
) COMMENT='金融知识元数据表（RAG 知识库目录 + 正文载体，Milvus source_id 关联本表）';

-- ---------------------------------------------------------------------
-- 16 客户-投顾关系表（签约状态驱动客服引导与投顾服务范围）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS customer_relation (
    id          BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    customer_id BIGINT UNSIGNED NOT NULL COMMENT '客户ID',
    advisor_id  BIGINT UNSIGNED NOT NULL COMMENT '投顾ID',
    assign_time DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '分配时间（注册自动分配）',
    signed_time DATETIME NULL COMMENT '签约时间',
    end_time    DATETIME NULL COMMENT '关系结束时间',
    status      VARCHAR(16) NOT NULL DEFAULT '已分配' COMMENT '已分配/已签约/已结束',
    reason      VARCHAR(128) NULL COMMENT '结束/变更原因',
    KEY idx_advisor (advisor_id, status),
    KEY idx_customer (customer_id)
) COMMENT='客户-投顾关系表（状态驱动：签约后投顾Agent方案正式触达客户）';

-- ---------------------------------------------------------------------
-- 17 画像变更日志（冲突策略审计）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS customer_profile_change_log (
    id          BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    customer_id BIGINT UNSIGNED NOT NULL,
    tag         VARCHAR(64)  NULL COMMENT '标签名',
    old_value   VARCHAR(255) NULL COMMENT '旧值',
    new_value   VARCHAR(255) NULL COMMENT '新值',
    source      VARCHAR(32)  NULL COMMENT '来源：风评问卷/行为推断/AI对话提取/用户自述/人工',
    confidence  DECIMAL(5,2) NULL COMMENT '新值置信度',
    reason      VARCHAR(255) NULL COMMENT '变更原因（冲突策略/人工修正）',
    operator_id BIGINT UNSIGNED NULL COMMENT '操作人（人工修正时）',
    create_time DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    KEY idx_customer (customer_id)
) COMMENT='画像变更审计（保留冲突记录与人工修正痕迹）';

-- ---------------------------------------------------------------------
-- 18 操作审计日志（企业级：谁在何时做了什么）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS audit_log (
    id          BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    user_id     BIGINT UNSIGNED NULL COMMENT '操作人',
    username    VARCHAR(64)  NULL,
    module      VARCHAR(32)  NOT NULL COMMENT 'auth/product/trade/risk/...',
    action      VARCHAR(64)  NOT NULL COMMENT '操作动作',
    target      VARCHAR(128) NULL COMMENT '操作对象（单号/ID）',
    detail      TEXT         NULL COMMENT '详情（JSON 字符串）',
    ip          VARCHAR(64)  NULL,
    trace_id    VARCHAR(32)  NULL COMMENT '链路号',
    status      VARCHAR(8)   NOT NULL DEFAULT '成功' COMMENT '成功/失败',
    create_time DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
    KEY idx_user (user_id),
    KEY idx_module_time (module, create_time)
) COMMENT='操作审计日志表（企业级合规留痕）';

-- ---------------------------------------------------------------------
-- 19 官网公告
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS sys_announcement (
    id           BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    title        VARCHAR(128) NOT NULL,
    content      TEXT         NULL,
    status       VARCHAR(16)  NOT NULL DEFAULT '草稿' COMMENT '草稿/已发布',
    publish_time DATETIME     NULL,
    expire_at    DATETIME     NULL,
    create_time  DATETIME     NOT NULL DEFAULT CURRENT_TIMESTAMP,
    KEY idx_status (status, publish_time)
) COMMENT='官网公告表';

-- ---------------------------------------------------------------------
-- 20 站内信/消息中心
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS sys_message (
    id          BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    user_id     BIGINT UNSIGNED NOT NULL COMMENT '收件人',
    msg_type    VARCHAR(32) NOT NULL COMMENT '推荐/调仓/风控/签约/系统',
    title       VARCHAR(128) NOT NULL,
    content     VARCHAR(512) NULL,
    biz_id      VARCHAR(64) NULL COMMENT '关联业务单号（订单/工单/预警）',
    is_read     TINYINT NOT NULL DEFAULT 0,
    create_time DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    KEY idx_user_read (user_id, is_read)
) COMMENT='站内信/消息中心表（投顾触达客户通道）';

-- ---------------------------------------------------------------------
-- 21 运营参数表（免发版调整）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS sys_config (
    id           BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    config_key   VARCHAR(64)  NOT NULL COMMENT '键，如 high_net_worth_threshold',
    config_value VARCHAR(255) NOT NULL COMMENT '值',
    description  VARCHAR(255) NULL COMMENT '说明',
    update_time  DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    UNIQUE KEY uk_config_key (config_key)
) COMMENT='运营参数 KV 表（高净值门槛/偏离度阈值/风控开关等）';

-- ---------------------------------------------------------------------
-- 22 记忆单元表（记忆架构主体，见开发计划 §4.2）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS memory_unit (
    id               BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    customer_id      BIGINT UNSIGNED NOT NULL COMMENT '归属客户',
    tag              VARCHAR(64)  NOT NULL COMMENT '标签名，如 risk_preference',
    content          VARCHAR(512) NOT NULL COMMENT '内容，如 偏好稳健型理财',
    info_type        VARCHAR(8)   NOT NULL COMMENT 'FACT 客观事实 / OPINION 主观观点',
    source           VARCHAR(32)  NOT NULL COMMENT '风评问卷/行为推断/AI对话提取/用户自述/系统默认',
    source_confidence DECIMAL(5,2) NOT NULL DEFAULT 0.20 COMMENT '来源初始置信度',
    confidence       DECIMAL(5,2) NOT NULL DEFAULT 0.20 COMMENT '当前置信度（动态）',
    evidence_count   INT NOT NULL DEFAULT 0 COMMENT '证据数',
    conflict_count   INT NOT NULL DEFAULT 0 COMMENT '冲突数',
    recall_count     INT NOT NULL DEFAULT 0 COMMENT '召回数',
    update_time      DATETIME NULL,
    last_recall_time DATETIME NULL,
    create_time      DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    status           VARCHAR(16) NOT NULL DEFAULT 'active' COMMENT 'active/demoted/archived/deleted',
    valid_until      DATE NULL COMMENT '有效期',
    KEY idx_customer_status (customer_id, status),
    KEY idx_tag (tag)
) COMMENT='记忆单元表（三层记忆中期主体，向量镜像在 Milvus customer_memory）';

-- ---------------------------------------------------------------------
-- 23 基金业绩指标缓存（定时任务从净值计算）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS fund_performance (
    id               BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    product_id       BIGINT UNSIGNED NOT NULL,
    period           VARCHAR(16)  NOT NULL COMMENT '近1月/近3月/近6月/近1年/成立以来',
    return_rate      DECIMAL(10,4) NULL COMMENT '区间收益率（%）',
    annual_volatility DECIMAL(10,4) NULL COMMENT '年化波动率（%）',
    max_drawdown     DECIMAL(10,4) NULL COMMENT '最大回撤（%）',
    sharpe           DECIMAL(10,4) NULL COMMENT '夏普比率',
    calc_date        DATE NOT NULL COMMENT '计算日期',
    create_time      DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    UNIQUE KEY uk_product_period (product_id, period)
) COMMENT='基金业绩指标缓存（深度分析/多维对比数据源）';

-- ---------------------------------------------------------------------
-- 24 组合基准配置（再平衡参照系）
-- ---------------------------------------------------------------------
CREATE TABLE IF NOT EXISTS portfolio_benchmark (
    id               BIGINT UNSIGNED AUTO_INCREMENT PRIMARY KEY,
    risk_level       VARCHAR(16) NOT NULL COMMENT '客户风险等级：保守/稳健/平衡/进取/激进',
    target_allocation JSON NOT NULL COMMENT '目标配置 {货币:50,债券:40,股票:10}',
    drift_threshold  DECIMAL(5,2) NOT NULL DEFAULT 5.00 COMMENT '偏离阈值（%），超阈值触发调仓建议',
    status           VARCHAR(8) NOT NULL DEFAULT '启用' COMMENT '启用/停用',
    create_time      DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP,
    update_time      DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
    UNIQUE KEY uk_risk_level (risk_level)
) COMMENT='组合基准配置表（投顾Agent 再平衡参照，运营可调整）';