Mutual_Fund/service/redeem.py

"""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.memory.composed_profile import invalidate_composed_profile
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")

    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")

    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:
        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")

    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 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()
            # 持仓变更后失效最终画像缓存（失败静默，不影响交易结果）
            await invalidate_composed_profile(user.id)
            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