97 lines
3.2 KiB
Python
97 lines
3.2 KiB
Python
"""资产配置与组合诊断（PRD §4.3，只读）。
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边界：持仓诊断仅做「持仓分布 + 集中度」只读概览；偏离度/调仓建议以投顾Agent 草稿为准，
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工作台不重复实现调仓逻辑。标准策略库=portfolio_benchmark 只读；白名单基金=fin_product 筛选。
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"""
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from __future__ import annotations
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from decimal import Decimal
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from sqlalchemy.ext.asyncio import AsyncSession
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from model.sys_user import SysUser
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from repositories.fin_holdings import FinHoldingsRepo
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from repositories.fin_product import FinProductRepo
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from repositories.portfolio_benchmark import PortfolioBenchmarkRepo
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from service.advisor.permissions import ensure_customer_owned
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from service.product import list_products
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# 持仓中状态（与 service/holdings.py 口径一致）
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_HOLDING_STATUS = "持有中"
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async def diagnose(db: AsyncSession, user: SysUser, customer_id: int) -> dict:
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await ensure_customer_owned(db, user.id, customer_id)
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holdings = await FinHoldingsRepo(db).list_by_customer(customer_id, _HOLDING_STATUS)
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product_repo = FinProductRepo(db)
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by_type: dict[str, Decimal] = {}
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total = Decimal("0")
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items: list[dict] = []
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for h in holdings:
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product = await product_repo.get(h.product_id)
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ptype = product.product_type if product else "未知"
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total += h.current_value
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by_type[ptype] = by_type.get(ptype, Decimal("0")) + h.current_value
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items.append(
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{
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"product_id": h.product_id,
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"product_code": product.product_code if product else None,
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"product_name": product.product_name if product else None,
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"product_type": ptype,
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"current_value": f"{h.current_value:.2f}",
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}
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)
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# 集中度：单一产品市值占比最高者
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items.sort(key=lambda x: float(x["current_value"]), reverse=True)
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top_ratio = 0.0
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if total and items:
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top_ratio = float(items[0]["current_value"]) / float(total)
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return {
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"total_value": f"{total:.2f}",
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"allocation": {k: f"{v:.2f}" for k, v in by_type.items()},
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"concentration": {
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"top_product_ratio": round(top_ratio, 4),
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"top_product": items[0] if items else None,
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},
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"holdings": items,
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}
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async def list_strategies(db: AsyncSession) -> list[dict]:
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"""标准策略库（portfolio_benchmark 只读，投顾不可私自新建策略）。"""
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rows = await PortfolioBenchmarkRepo(db).list_enabled()
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return [
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{
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"risk_level": b.risk_level,
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"target_allocation": b.target_allocation,
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"drift_threshold": float(b.drift_threshold),
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}
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for b in rows
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]
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async def list_funds(
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db: AsyncSession,
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*,
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page: int = 1,
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page_size: int = 10,
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keyword: str | None = None,
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product_type: str | None = None,
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risk_level: str | None = None,
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) -> dict:
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"""白名单产品筛选（复用 service/product.list_products，仅在售）。"""
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return await list_products(
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db,
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page=page,
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page_size=page_size,
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keyword=keyword,
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product_type=product_type,
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risk_level=risk_level,
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status="在售",
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sort_by="create_time",
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sort_order="desc",
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)
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