Mutual_Fund/service/advisor/customers.py

"""客户 360 全景管理（只读 + 数据权限 + 脱敏 + 签约/结束服务写入）。

PRD §4.2：投顾仅可查看自身名下客户；敏感信息两层脱敏；画像只读。
数据权限以 customer_relation.advisor_id = current_user.id 硬过滤。
"""
from __future__ import annotations

from datetime import datetime

from sqlalchemy.ext.asyncio import AsyncSession

from common_const import (
    AUDIT_CUSTOMER_SIGN,
    AUDIT_VIEW_SENSITIVE,
    CUSTOMER_REL_STATUS_CLOSED,
    CUSTOMER_REL_STATUS_SIGNED,
    RELATION_ACTION_SIGN,
)
from model.sys_user import SysUser
from repositories.advisor_report import AdvisorReportRepo
from repositories.customer_relation import CustomerRelationRepo
from repositories.fin_holdings import FinHoldingsRepo
from repositories.fin_product import FinProductRepo
from repositories.risk_assessment import CustomerProfileRepo
from repositories.sys_user import SysUserRepo
from schemas.advisor import RelationReq
from service.advisor.audit_writer import write_audit
from service.advisor.masking import mask_name, mask_phone
from service.advisor.permissions import ensure_customer_owned, require_owned_relation
from utils.exceptions import ForbiddenError, NotFoundError

# 持仓中状态（与 service/holdings.py 口径一致）
_HOLDING_STATUS = "持有中"
_AUDIT_MODULE = "advisor"


def _fmt_holding(h, product) -> dict:
    """持仓 + 产品信息拼装（金额/份额按字符串输出，避免浮点精度）。"""
    return {
        "product_id": h.product_id,
        "product_code": product.product_code if product else None,
        "product_name": product.product_name if product else None,
        "risk_level": product.risk_level if product else None,
        "shares": f"{h.shares:.4f}",
        "cost_amount": f"{h.cost_amount:.2f}",
        "current_value": f"{h.current_value:.2f}",
        "profit_loss": f"{h.profit_loss:.2f}",
        "profit_ratio": f"{h.profit_ratio:.4f}",
        "status": h.status,
    }


async def list_customers(
    db: AsyncSession,
    user: SysUser,
    *,
    status: str | None = None,
    keyword: str | None = None,
    page: int = 1,
    page_size: int = 20,
) -> dict:
    repo = CustomerRelationRepo(db)
    rows = await repo.list_customer_rows(
        advisor_id=user.id, status=status, keyword=keyword,
        limit=page_size, offset=(page - 1) * page_size,
    )
    total = await repo.count_customer_rows(advisor_id=user.id, status=status, keyword=keyword)
    items = []
    for rel, account, profile in rows:
        items.append(
            {
                "customer_id": rel.customer_id,
                "real_name": mask_name(account.real_name),
                "phone": mask_phone(account.phone),
                "risk_level": profile.risk_level if profile else None,
                "customer_level": account.customer_level,
                "relation_status": rel.status,
                "total_assets": float(profile.total_assets)
                if profile and profile.total_assets is not None
                else None,
            }
        )
    return {"total": total, "page": page, "page_size": page_size, "items": items}


async def get_customer(
    db: AsyncSession, user: SysUser, customer_id: int, *, unmask: bool = False
) -> dict:
    rel = await require_owned_relation(db, user.id, customer_id)
    account = await SysUserRepo(db).get(customer_id)
    if account is None:
        raise NotFoundError("客户不存在")
    profile = await CustomerProfileRepo(db).get_by_customer(customer_id)

    # 常规敏感（手机号）默认掩码；unmask=true 时返回完整值并记审计留痕。
    # 强敏感（身份证/银行卡）：sys_user 当前无对应字段，V1.0 无数据可暴露，规则保留。
    phone = mask_phone(account.phone)
    if unmask:
        phone = account.phone
        await write_audit(
            db, user_id=user.id, username=user.username, module=_AUDIT_MODULE,
            action=AUDIT_VIEW_SENSITIVE, target=str(customer_id),
            detail={"field": "phone"},
        )

    return {
        "customer_id": customer_id,
        "real_name": mask_name(account.real_name),
        "phone": phone,
        "risk_level": profile.risk_level if profile else None,
        "risk_score": profile.risk_score if profile else None,
        "customer_level": account.customer_level,
        "total_assets": float(profile.total_assets)
        if profile and profile.total_assets is not None
        else None,
        "relation_status": rel.status,
        "signed_time": rel.signed_time.isoformat() if rel.signed_time else None,
        "assigned_time": rel.assign_time.isoformat() if rel.assign_time else None,
    }


async def get_customer_holdings(
    db: AsyncSession, user: SysUser, customer_id: int
) -> list[dict]:
    await ensure_customer_owned(db, user.id, customer_id)
    holdings = await FinHoldingsRepo(db).list_by_customer(customer_id, _HOLDING_STATUS)
    product_repo = FinProductRepo(db)
    items = []
    for h in holdings:
        product = await product_repo.get(h.product_id)
        items.append(_fmt_holding(h, product))
    return items


async def get_customer_reports(
    db: AsyncSession, user: SysUser, customer_id: int, *, page: int = 1, page_size: int = 20
) -> dict:
    await ensure_customer_owned(db, user.id, customer_id)
    repo = AdvisorReportRepo(db)
    items = await repo.list_by_customer(
        customer_id, limit=page_size, offset=(page - 1) * page_size
    )
    return {
        "total": await repo.count_by_advisor(advisor_id=user.id, customer_id=customer_id),
        "items": [
            {
                "report_id": r.report_id,
                "intent": r.intent,
                "title": r.title,
                "send_status": r.send_status,
                "send_time": r.send_time.isoformat() if r.send_time else None,
            }
            for r in items
        ],
    }


async def update_relation(
    db: AsyncSession, user: SysUser, customer_id: int, req: RelationReq
) -> dict:
    """签约 / 结束服务（customer_relation.status 唯一写入方为工作台）。"""
    rel = await require_owned_relation(db, user.id, customer_id)
    if req.action == RELATION_ACTION_SIGN:
        rel.status = CUSTOMER_REL_STATUS_SIGNED
        rel.signed_time = datetime.now()
        rel.reason = None
    else:  # close
        rel.status = CUSTOMER_REL_STATUS_CLOSED
        rel.end_time = datetime.now()
        rel.reason = req.reason
    await db.commit()
    await write_audit(
        db, user_id=user.id, username=user.username, module=_AUDIT_MODULE,
        action=AUDIT_CUSTOMER_SIGN, target=str(customer_id), detail={"action": req.action},
    )
    return {"customer_id": customer_id, "status": rel.status}