90 lines
3.1 KiB
Python
90 lines
3.1 KiB
Python
"""问卷服务：提交风险测评 → 完整性/选项校验 → 算分定级 → 落风评记录 → 回写画像。"""
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from __future__ import annotations
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from datetime import date, timedelta
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from sqlalchemy.ext.asyncio import AsyncSession
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from model.fin_risk_assessment import FinRiskAssessment
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from repositories.questionnaire import QuestionRepo, QuestionnaireRepo
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from repositories.risk_assessment import CustomerProfileRepo, RiskAssessmentRepo
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from service.memory.composed_profile import invalidate_composed_profile
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from utils.exceptions import NotFoundError, ParamError
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# 分数 → 风险等级映射（总分 0-100，20 分一档；后续可迁移到 sys_config 运营化）
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# 等级口径统一为 R1-R5：R1 最保守、R5 最激进，与产品 fin_product.risk_level 对齐
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_SCORE_LEVELS = (
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(80, "R5"),
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(60, "R4"),
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(40, "R3"),
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(20, "R2"),
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(0, "R1"),
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)
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def _score_to_level(score: int) -> str:
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for threshold, level in _SCORE_LEVELS:
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if score >= threshold:
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return level
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return "R1"
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async def submit_assessment(
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db: AsyncSession,
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customer_id: int,
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questionnaire_id: int,
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answers: list[dict],
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) -> dict:
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questionnaire = await QuestionnaireRepo(db).get(questionnaire_id)
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if questionnaire is None:
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raise NotFoundError("问卷不存在")
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if questionnaire.status != "启用":
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raise ParamError("问卷未启用")
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questions = await QuestionRepo(db).list_by_questionnaire(questionnaire_id)
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if not questions:
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raise ParamError("问卷尚未配置题目")
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# 提交答案按 question_no（题号）建索引，校验必填完整性与选项合法性
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by_no = {a["question_no"]: a["option"] for a in answers}
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total_score = 0
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detail = []
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for q in questions:
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option = by_no.get(q.question_no)
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if option is None:
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raise ParamError(f"第{q.question_no}题未作答")
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scores = q.score_json or {}
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if option not in scores:
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raise ParamError(f"第{q.question_no}题选项非法: {option}")
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score = int(scores[option])
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total_score += score
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detail.append({"q": q.question_no, "a": option, "score": score})
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risk_level = _score_to_level(total_score)
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today = date.today()
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valid_until = today + timedelta(days=365) # 监管要求一年一评
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record = FinRiskAssessment(
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customer_id=customer_id,
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assessment_date=today,
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question_version=questionnaire.version,
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total_score=total_score,
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risk_level=risk_level,
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answers=detail,
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assessor_type="AI评估",
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valid_until=valid_until,
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)
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record = await RiskAssessmentRepo(db).add(record)
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# 回写画像：无画像初始化，有画像更新风险等级/评分并递增版本号
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await CustomerProfileRepo(db).upsert_risk(customer_id, risk_level, total_score)
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# 画像变更后失效最终画像缓存（失败静默，不影响问卷提交）
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await invalidate_composed_profile(customer_id)
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return {
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"assessment_id": record.id,
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"total_score": total_score,
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"risk_level": risk_level,
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"valid_until": valid_until.isoformat(),
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}
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