81 lines
2.8 KiB
Python
81 lines
2.8 KiB
Python
"""赎回服务：校验持仓 → 减仓 + 余额入账（单事务原子）。"""
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from __future__ import annotations
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from decimal import ROUND_HALF_UP, 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_account import FinAccountRepo
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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 schemas.holdings import HoldingResp
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from schemas.redeem import RedeemResp
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from utils.exceptions import ForbiddenError, NotFoundError, ParamError
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_MONEY = Decimal("0.01")
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_SHARES = Decimal("0.0001")
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async def redeem(
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db: AsyncSession, user: SysUser, product_id: int, shares: Decimal
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) -> RedeemResp:
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"""赎回基金：校验通过后减仓并按净值入账，全程单事务。
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- 仅客户可赎回；
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- 产品须存在且净值非空；
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- 持仓须存在且份额 > 0，赎回份额不得超过持仓份额；
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- 减仓（归 0 时置'已清仓'）+ 入账要么都成、要么都回滚。
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"""
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if user.user_type != "CUSTOMER":
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raise ForbiddenError("仅客户账号可赎回")
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shares = shares.quantize(_SHARES, rounding=ROUND_HALF_UP)
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if shares <= 0:
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raise ParamError("赎回份额须大于 0")
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product = await FinProductRepo(db).get(product_id)
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if product is None:
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raise NotFoundError("产品不存在")
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if product.nav is None:
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raise ParamError("产品暂无净值，无法赎回")
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account_repo = FinAccountRepo(db)
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holdings_repo = FinHoldingsRepo(db)
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holding = await holdings_repo.get_by_customer_product(user.id, product_id)
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if holding is None or holding.shares <= 0:
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raise ParamError("无可赎回份额")
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if holding.shares < shares:
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raise ParamError("可赎回份额不足")
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credited = (shares * product.nav).quantize(_MONEY, rounding=ROUND_HALF_UP)
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if credited <= 0:
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raise ParamError("赎回金额过低")
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try:
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if not await holdings_repo.redeem(user.id, product_id, shares):
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raise ParamError("可赎回份额不足")
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await account_repo.credit_balance(user.id, credited)
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await db.commit()
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except Exception:
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await db.rollback()
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raise
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account = await account_repo.get_by_customer_id(user.id)
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holding = await holdings_repo.get_by_customer_product(user.id, product_id)
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return RedeemResp(
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balance=account.balance,
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holding=HoldingResp(
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id=holding.id,
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customer_id=holding.customer_id,
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product_id=holding.product_id,
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shares=holding.shares,
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cost_amount=holding.cost_amount,
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current_value=holding.current_value,
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profit_loss=holding.profit_loss,
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profit_ratio=holding.profit_ratio,
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status=holding.status,
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),
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)
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