feat: 迁移奶龙风控业务模块与演示文档

tests/unit/service/test_risk_notification_service.py

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+from datetime import datetime
+
+from app.model.fund import FundRiskAlert
+from app.service.risk_notification_service import RiskNotificationService
+
+
+class FakeSession:
+    def __init__(self):
+        self.added = []
+
+    def add(self, value):
+        self.added.append(value)
+
+
+def alert(level: str = "高") -> FundRiskAlert:
+    return FundRiskAlert(
+        id=1,
+        alert_no="ALERT-001",
+        customer_id=9,
+        alert_type="适当性错配",
+        alert_level=level,
+        trigger_rule_codes=["RW-007"],
+        evidence_summary="C2 客户购买 R5 产品",
+        evidence_snapshot={},
+        priority_score=90,
+        event_status="正在发生",
+        status="待处理",
+        ack_status="未确认",
+        is_escalated=0,
+        created_at=datetime(2026, 9, 10),
+        updated_at=datetime(2026, 9, 10),
+    )
+
+
+def test_in_app_notification_contains_alert_number() -> None:
+    session = FakeSession()
+
+    notification = RiskNotificationService(session).create_in_app(
+        alert(),
+        receiver_user_id=990000002,
+        title="高风险预警",
+        content="C2 客户购买 R5 产品",
+    )
+
+    assert notification.alert_id == 1
+    assert notification.channel == "站内提醒"
+    assert "预警编号：ALERT-001" in notification.content
+    assert notification.id > 0
+    assert session.added == [notification]
+
+
+def test_disabled_mail_only_creates_record() -> None:
+    session = FakeSession()
+
+    notification = RiskNotificationService(session).create_mail_record(
+        alert(),
+        receiver_email="risk@example.com",
+        title="高风险预警",
+        content="证据摘要",
+        mail_enabled=False,
+    )
+
+    assert notification.channel == "邮件"
+    assert notification.send_status == "未启用"
+    assert notification.fail_reason == "邮件发送功能未启用"
+
+
+def test_high_risk_batch_creates_in_app_and_mail_records() -> None:
+    session = FakeSession()
+
+    records = RiskNotificationService(session).create_high_risk_records(
+        [alert("高"), alert("低")],
+        receiver_user_id=990000002,
+        receiver_email="risk@example.com",
+        mail_enabled=False,
+    )
+
+    assert len(records) == 2
+    assert {record.channel for record in records} == {"站内提醒", "邮件"}