docs: 品牌全量口径统一为「南方基金」+ 作废文档清理

1) 客服 Agent 四份交付文档 + 构建脚手架：品牌由包装占位 XX科技 / 旧名南方财富统一为南方基金（热线 400-889-8899 / 官网 nffund.com），系统名改为「智能服务系统」；同步追加 §0.4 修订记录行，工程记录行保留原占位字面以支撑硬编码扫描验收。 2) 开发文档：清理 28 份已作废/残留文档（14 份移出归档 + 14 份仓库副本），新增《文档规整方案与开发前待决事项-2026-09-17》。 3) 客服agent 四份交付文档首次纳入本分支。
2026-09-17 15:15:22 +08:00
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+"""风控查询所需的补充只读 ORM 映射。
+
+第二版 `app/model/fund.py` 已覆盖多数 `fin_*` 表；本模块只补充风控查询需要、
+但当前尚未映射的三张已有表，不负责建表、迁移或写入。
+
+安全边界：
+
+1. 只声明列映射，不提供写入方法。
+2. `sys_user.password_hash` 和 `email` 不进入风控只读模型。
+3. 不声明 ForeignKey，避免 ORM 写入时产生级联语义。
+"""
+
+from datetime import datetime
+from decimal import Decimal
+from typing import Any
+
+from sqlalchemy import JSON, Numeric, String, Text
+from sqlalchemy.dialects.mysql import BIGINT, DATETIME, TINYINT
+from sqlalchemy.orm import Mapped, mapped_column
+
+from app.model.base import Base
+
+__all__ = ["RiskLoginRecord", "RiskUser", "RiskWorkOrder"]
+
+
+class RiskUser(Base):
+    """统一身份表中的风控只读字段（sys_user）。"""
+
+    __tablename__ = "sys_user"
+
+    id: Mapped[int] = mapped_column(BIGINT(unsigned=True), primary_key=True)
+    user_no: Mapped[str] = mapped_column(String(32), nullable=False)
+    username: Mapped[str] = mapped_column(String(64), nullable=False)
+    user_type: Mapped[str] = mapped_column(String(16), nullable=False)
+    employee_role: Mapped[str | None] = mapped_column(String(32), nullable=True)
+    customer_tier: Mapped[str | None] = mapped_column(String(16), nullable=True)
+    investor_type: Mapped[str | None] = mapped_column(String(8), nullable=True)
+    investor_type_assessed_at: Mapped[datetime | None] = mapped_column(
+        DATETIME(fsp=0), nullable=True
+    )
+    is_professional_investor: Mapped[int] = mapped_column(
+        TINYINT(display_width=1), nullable=False
+    )
+    professional_investor_status: Mapped[str] = mapped_column(String(16), nullable=False)
+    professional_investor_certified_at: Mapped[datetime | None] = mapped_column(
+        DATETIME(fsp=0), nullable=True
+    )
+    fund_account_status: Mapped[str] = mapped_column(String(16), nullable=False)
+    fund_account_opened_at: Mapped[datetime | None] = mapped_column(
+        DATETIME(fsp=0), nullable=True
+    )
+    status: Mapped[str] = mapped_column(String(16), nullable=False)
+    created_at: Mapped[datetime] = mapped_column(DATETIME(fsp=0), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DATETIME(fsp=0), nullable=False)
+
+
+class RiskLoginRecord(Base):
+    """登录记录只读映射（sys_login_record）。"""
+
+    __tablename__ = "sys_login_record"
+
+    id: Mapped[int] = mapped_column(BIGINT(unsigned=True), primary_key=True)
+    user_id: Mapped[int] = mapped_column(BIGINT(unsigned=True), nullable=False)
+    login_at: Mapped[datetime] = mapped_column(DATETIME(fsp=0), nullable=False)
+    login_result: Mapped[str] = mapped_column(String(16), nullable=False)
+    ip_region: Mapped[str | None] = mapped_column(String(64), nullable=True)
+    device_id: Mapped[str | None] = mapped_column(String(128), nullable=True)
+    is_common_device: Mapped[int] = mapped_column(TINYINT(display_width=1), nullable=False)
+    failure_reason: Mapped[str | None] = mapped_column(String(128), nullable=True)
+    created_at: Mapped[datetime] = mapped_column(DATETIME(fsp=0), nullable=False)
+
+
+class RiskWorkOrder(Base):
+    """风险处置及交易申请兼容工单只读映射（biz_work_order）。"""
+
+    __tablename__ = "biz_work_order"
+
+    id: Mapped[int] = mapped_column(BIGINT(unsigned=True), primary_key=True)
+    work_order_no: Mapped[str] = mapped_column(String(64), nullable=False)
+    customer_id: Mapped[int] = mapped_column(BIGINT(unsigned=True), nullable=False)
+    order_type: Mapped[str | None] = mapped_column(String(16), nullable=True)
+    product_id: Mapped[int | None] = mapped_column(BIGINT(unsigned=True), nullable=True)
+    amount: Mapped[Decimal | None] = mapped_column(Numeric(18, 2), nullable=True)
+    channel: Mapped[str | None] = mapped_column(String(32), nullable=True)
+    advisor_id: Mapped[int | None] = mapped_column(BIGINT(unsigned=True), nullable=True)
+    risk_rule_hits: Mapped[Any | None] = mapped_column(JSON, nullable=True)
+    risk_disclosure_ack_at: Mapped[datetime | None] = mapped_column(
+        DATETIME(fsp=0), nullable=True
+    )
+    second_confirmation_at: Mapped[datetime | None] = mapped_column(
+        DATETIME(fsp=0), nullable=True
+    )
+    recording_reference: Mapped[str | None] = mapped_column(String(64), nullable=True)
+    ops_handler_id: Mapped[int | None] = mapped_column(BIGINT(unsigned=True), nullable=True)
+    ops_handled_at: Mapped[datetime | None] = mapped_column(DATETIME(fsp=0), nullable=True)
+    compliance_handler_id: Mapped[int | None] = mapped_column(
+        BIGINT(unsigned=True), nullable=True
+    )
+    compliance_handled_at: Mapped[datetime | None] = mapped_column(
+        DATETIME(fsp=0), nullable=True
+    )
+    reject_reason: Mapped[str | None] = mapped_column(Text, nullable=True)
+    alert_id: Mapped[int | None] = mapped_column(BIGINT(unsigned=True), nullable=True)
+    work_order_type: Mapped[str | None] = mapped_column(String(32), nullable=True)
+    submitter_id: Mapped[int | None] = mapped_column(BIGINT(unsigned=True), nullable=True)
+    handler_id: Mapped[int | None] = mapped_column(BIGINT(unsigned=True), nullable=True)
+    priority: Mapped[str | None] = mapped_column(String(8), nullable=True)
+    status: Mapped[str] = mapped_column(String(24), nullable=False)
+    request_detail: Mapped[dict[str, Any] | None] = mapped_column(JSON, nullable=True)
+    handle_result: Mapped[dict[str, Any] | None] = mapped_column(JSON, nullable=True)
+    submitted_at: Mapped[datetime | None] = mapped_column(DATETIME(fsp=0), nullable=True)
+    accepted_at: Mapped[datetime | None] = mapped_column(DATETIME(fsp=0), nullable=True)
+    completed_at: Mapped[datetime | None] = mapped_column(DATETIME(fsp=0), nullable=True)
+    created_at: Mapped[datetime] = mapped_column(DATETIME(fsp=0), nullable=False)
+    updated_at: Mapped[datetime] = mapped_column(DATETIME(fsp=0), nullable=False)