feat: complete advisor product suitability gates

2026-09-11 14:09:23 +08:00
parent 281e76e4b1
commit 47a5ca498c
3 changed files with 137 additions and 11 deletions
@@ -80,6 +80,7 @@ async def test_authoritative_candidates_fail_closed_and_keep_r1_without_scale_li
        ],
        [],
        [],
+        [],
    ])
    result = await AdvisorProductRepository(session).authoritative_tradable_products(
        now, sales_institution="南方基金管理股份有限公司直销",
@@ -95,10 +96,52 @@ async def test_authoritative_candidates_fail_closed_and_keep_r1_without_scale_li
 async def test_pending_governance_and_missing_evidence_are_excluded() -> None:
    now = datetime(2026, 9, 11, 10, 0)
    session = FakeSession([
-        [product(1)], [suitability(1)], [contract(1)], [], [1], [],
+        [product(1)], [suitability(1)], [contract(1)], [], [], [1], [],
    ])
    result = await AdvisorProductRepository(session).authoritative_tradable_products(
        now, sales_institution="南方基金管理股份有限公司直销",
    )
    assert result == []
    assert "exchange_code IN" in str(session.statements[0])
+
+
+def test_hard_suitability_filter_returns_exclusion_reasons() -> None:
+    from app.repository.advisor_product_repository import (
+        AdvisorProductRepository,
+        AuthoritativeProductCandidate,
+        ProductContractEvidence,
+        ProductSuitabilityEvidence,
+    )
+
+    def candidate(code: str, risk: str) -> AuthoritativeProductCandidate:
+        item = product(1)
+        item.product_code = code
+        return AuthoritativeProductCandidate(
+            product=item,
+            suitability=ProductSuitabilityEvidence(
+                risk_level=risk, sales_institution="南方基金管理股份有限公司直销",
+                source_url="https://example.test/risk.pdf", document_title="风险等级披露",
+                document_sha256="a" * 64, effective_from=date(2026, 1, 1),
+            ),
+            contract=ProductContractEvidence(
+                fund_type="股票型ETF", investment_scope="场内基金", performance_benchmark=None,
+                risk_return_characteristics="净值波动", custodian_name=None,
+                management_fee_rate_pct=None, custodian_fee_rate_pct=None, inception_date=None,
+                source_url="https://example.test/contract.pdf", document_title="基金合同",
+                document_sha256="b" * 64, document_published_at=None,
+            ),
+        )
+
+    selected, excluded = AdvisorProductRepository.hard_suitability_filter(
+        [candidate("R1", "R1"), candidate("R4", "R4")], 2
+    )
+    assert [item.product.product_code for item in selected] == ["R1"]
+    assert excluded[0]["reason_code"] == "RISK_LEVEL_MISMATCH"
+
+
+def test_liquidity_requirement_is_failed_closed_without_metrics() -> None:
+    from app.repository.advisor_product_repository import AdvisorProductRepository
+
+    evidence = AdvisorProductRepository._liquidity_evidence(None, None, "within_7_days")
+    assert evidence is not None
+    assert evidence.status == "insufficient"