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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+"""只读探查：第十五条豁免规则（持仓占比）所需的数据是否齐备。
+
+只做 SELECT。结果写 `docs/evidence/exemption-data-probe.json`：
+
+    python tools/probe_exemption_data.py
+
+要回答的问题：
+1. `fin_customer_profile.total_asset` 有没有值、是否为正；
+2. `fin_holding` 有没有行、`market_value` / `current_value` 是否可用；
+3. 库内是否存在 C3→R4 / C4→R5 的申购交易 —— 即这条豁免规则是否真的会被触发。
+"""
+
+from __future__ import annotations
+
+import asyncio
+import json
+from pathlib import Path
+from typing import Any
+
+from sqlalchemy import text
+
+from app.infrastructure.db import SessionFactory
+
+OUTPUT = Path("docs/evidence/exemption-data-probe.json")
+
+QUERIES: dict[str, str] = {
+    "profile_total_asset": """
+        SELECT COUNT(*) AS rows_count,
+               SUM(total_asset > 0) AS positive_assets,
+               SUM(total_asset = 0) AS zero_assets,
+               MIN(total_asset) AS min_asset,
+               MAX(total_asset) AS max_asset
+        FROM fin_customer_profile
+    """,
+    "profile_investor_type": """
+        SELECT investor_type, COUNT(*) AS rows_count
+        FROM fin_customer_profile GROUP BY investor_type ORDER BY investor_type
+    """,
+    "holding_shape": """
+        SELECT COUNT(*) AS rows_count,
+               SUM(market_value IS NULL) AS null_market_value,
+               SUM(current_value > 0) AS positive_current_value,
+               MIN(current_value) AS min_current_value,
+               MAX(current_value) AS max_current_value
+        FROM fin_holding
+    """,
+    "subscription_pairs": """
+        SELECT c.investor_type AS customer_level,
+               p.risk_level AS product_level,
+               COUNT(*) AS transactions
+        FROM fin_transaction t
+        JOIN fin_customer_profile c ON c.customer_id = t.customer_id
+        JOIN fin_product p ON p.id = t.product_id
+        WHERE t.transaction_type = '申购'
+        GROUP BY c.investor_type, p.risk_level
+        ORDER BY c.investor_type, p.risk_level
+    """,
+    "exemptible_pairs_detail": """
+        SELECT t.transaction_no,
+               c.investor_type AS customer_level,
+               p.risk_level AS product_level,
+               c.total_asset,
+               (
+                   SELECT h.current_value FROM fin_holding h
+                   WHERE h.customer_id = t.customer_id AND h.product_id = t.product_id
+                   ORDER BY h.id DESC LIMIT 1
+               ) AS holding_current_value
+        FROM fin_transaction t
+        JOIN fin_customer_profile c ON c.customer_id = t.customer_id
+        JOIN fin_product p ON p.id = t.product_id
+        WHERE t.transaction_type = '申购'
+          AND (
+                (c.investor_type = 'C3' AND p.risk_level = 'R4')
+             OR (c.investor_type = 'C4' AND p.risk_level = 'R5')
+          )
+        ORDER BY t.id
+    """,
+}
+
+
+async def collect() -> dict[str, Any]:
+    report: dict[str, Any] = {}
+    async with SessionFactory() as session:
+        for name, sql in QUERIES.items():
+            rows = (await session.execute(text(sql))).mappings().all()
+            report[name] = [dict(row) for row in rows]
+    return report
+
+
+async def main() -> None:
+    report = await collect()
+    OUTPUT.parent.mkdir(parents=True, exist_ok=True)
+    OUTPUT.write_text(
+        json.dumps(report, ensure_ascii=False, indent=2, default=str),
+        encoding="utf-8",
+    )
+    print(f"wrote {OUTPUT}")
+
+
+if __name__ == "__main__":
+    asyncio.run(main())