落地第十五条豁免额度校验；登记三处业务裁定
一、第十五条豁免规则（docs/25 第七节 #2，业务裁定：实现） 政策原文：C3→R4 签署风险揭示书后**可买**，但单只 R4 持仓不超过总资产 20%； C4→R5 同理，上限 10%。越级购买本身不是违规，超出额度才是 —— 原先扫描侧只看 "留痕是否齐全"，于是"签了字但买超额度"这种明确违规没有预警；研判侧也把豁免的 前提条件（留痕齐全）当成了结论，直接判"疑似误报"。 - 扫描侧：新增 EXEMPTION_LIMITS 与 RiskRuleEngine._exemption_state，核算 "单只持仓 / 总资产"并写进证据快照；触发条件改为 gap > 0 and (missing_trace or 超出额度)。 - 研判侧：_assess_rw007 先判额度再判留痕。超限 → 证据支持风险；留痕齐全且在额度 内 → 疑似误报；留痕齐全但快照缺总资产/持仓 → 继续复核。 数据前提（tools/probe_exemption_data.py，证据见 docs/evidence/exemption-data-probe.json）： 库内 fin_customer_profile 仅 1 行且 total_asset = 0.00、fin_holding 0 行、无任何申购 交易 —— 这条规则当前不会被触发，与 behavior_score 同源（画像与持仓由本项目之外的 流程写入）。因此刻意不把"算不出来"当成"超限"：拿 0 去算会让每一笔 C3→R4 都变成违规， 豁免规则反倒成了误报源。上游把数据写入后无需再改代码即可生效。 二、三处业务裁定（此前挂在"待裁定"） - 模型网关 chat + tools 入口：本轮不补，按基座能力缺口记录。它要贯穿 ModelGateway → … → BaseAgent 整条链路，属公共契约变更，演示联调期影响面大于收益。 - exclude（关闭误报）是否必须先"调查中"：保持现状，不加门禁。 - 政策冲突：以第十四条 C ≥ R 为准；客服侧 check_suitability 复核后确认本来就按 C ≥ R 实现，无需改动。 三、其他 - 新增 tests/unit/service/test_risk_judgement_rw007.py（6 例）与扫描侧 4 例。 - 风控文档 03/05 同步 RW-007 的豁免额度条件与研判口径。
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"""RW-007 研判必须复核第十五条豁免额度（`docs/25` 第七节 #2）。
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政策原文（`knowledge/policy/个人投资者适当性管理指南.md:334-341`）：
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- C3 买 R4：签署《产品风险超越投资者风险承受能力揭示书》后**可买**，但单只 R4 持仓
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不超过总资产 **20%**；
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- C4 买 R5：同理，上限 **10%**。
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也就是说越级购买本身不是违规，**超出额度**才是。原先 `_assess_rw007` 只看留痕：
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只要揭示书、二次确认、录音都齐，就判"疑似误报" —— 而这三样恰恰是豁免的**前提条件**，
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把前提当成结论，于是"签了字但买超了额度"被静默放过。
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数据缺失的情况单独处理：额度要靠总资产与持仓快照才能核算，本项目的画像与持仓由上游
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流程写入（实测 `total_asset` 全为 0、`fin_holding` 为空），既不能默认"没超"判误报，
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也不能默认"超了"判风险 —— 那会把豁免规则变成新的误报源。
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"""
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from typing import Any
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from app.service.risk_judgement_service import (
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VERDICT_CONTINUE_REVIEW,
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VERDICT_RISK_SUPPORTED,
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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_assess_rw007,
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)
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COMPLETE_WORK_ORDER: dict[str, Any] = {
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"risk_disclosure_ack_at": "2026-09-01T00:00:00",
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"second_confirmation_at": "2026-09-01T00:00:00",
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"recording_reference": "REC-1",
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}
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REQUIRING_PRODUCT: dict[str, Any] = {
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"risk_level": "R4",
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"risk_disclosure_required": True,
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"second_confirmation_required": True,
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"recording_required": True,
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}
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def _detail(
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snapshot: dict[str, Any],
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*,
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work_order: dict[str, Any] | None = None,
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investor_type: str = "C3",
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) -> dict[str, Any]:
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"""一条 C3→R4（相差 1 级、属豁免情形）的 RW-007 详情。"""
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return {
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"customer": {"investor_type": investor_type},
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"product": dict(REQUIRING_PRODUCT),
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"work_order": dict(COMPLETE_WORK_ORDER if work_order is None else work_order),
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"evidence_snapshot": snapshot,
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}
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def test_limit_breach_is_risk_supported_even_with_complete_trace() -> None:
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"""这是本次补上的判断：留痕齐全 ≠ 豁免成立，额度超了就是违规。"""
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result = _assess_rw007(
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_detail({"exemption_limit": "0.20", "exemption_ratio": "0.35"})
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)
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assert VERDICT_RISK_SUPPORTED in str(result)
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assert "35.00%" in str(result)
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assert "20%" in str(result)
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def test_within_limit_with_complete_trace_is_a_false_positive() -> None:
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result = _assess_rw007(
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_detail({"exemption_limit": "0.20", "exemption_ratio": "0.10"})
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)
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assert VERDICT_SUSPECTED_FALSE_POSITIVE in str(result)
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def test_exact_limit_is_not_a_breach() -> None:
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"""政策写的是"不超过"，恰好等于上限属于合规。"""
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result = _assess_rw007(
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_detail({"exemption_limit": "0.20", "exemption_ratio": "0.2"})
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)
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assert VERDICT_SUSPECTED_FALSE_POSITIVE in str(result)
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def test_missing_snapshot_data_asks_for_manual_review() -> None:
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"""额度核算不出结果时，既不判误报也不判风险。"""
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result = _assess_rw007(
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_detail(
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{
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"exemption_limit": "0.20",
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"exemption_ratio": None,
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"exemption_data_missing": True,
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}
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)
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)
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assert VERDICT_CONTINUE_REVIEW in str(result)
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assert "总资产" in str(result)
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def test_missing_trace_still_outranks_the_exemption_path() -> None:
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"""留痕不完整仍然直接判风险 —— 豁免的**前提**没满足，谈额度没有意义。"""
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result = _assess_rw007(
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_detail(
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{"exemption_limit": "0.20", "exemption_ratio": "0.01"},
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work_order={},
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)
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)
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assert VERDICT_RISK_SUPPORTED in str(result)
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assert "缺少交易留痕" in str(result)
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def test_pairs_outside_the_exemption_table_keep_the_old_behaviour() -> None:
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"""C2→R5 不属豁免情形，快照里也不会有额度字段：行为必须与改动前一致。"""
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result = _assess_rw007(_detail({}, investor_type="C2"))
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assert VERDICT_SUSPECTED_FALSE_POSITIVE in str(result)
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@@ -473,6 +473,80 @@ async def test_suitability_mismatch_rejects_complete_trace_and_matching_level()
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assert await RiskRuleEngine(session)._suitability_mismatch() == []
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def _complete_trace() -> RiskWorkOrder:
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return work_order(
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disclosure_at=datetime(2026, 9, 1),
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confirmation_at=datetime(2026, 9, 1),
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recording_reference="REC-1",
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)
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@pytest.mark.asyncio
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async def test_suitability_exemption_limit_breach_raises_alert() -> None:
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"""C3→R4 属第十五条允许的越级购买，但单只持仓超过总资产 20% 仍要预警。
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原先扫描侧只看"留痕是否齐全"：签了揭示书、留痕齐全就直接不报 —— 于是"签了字
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但买超额度"这种明确违规反而没有预警。
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"""
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session = FakeSession(
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rows=[transaction()],
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get_values=[risk_user("C3"), product("R4"), _complete_trace()],
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scalar_values=[None, Decimal("100000.00"), Decimal("30000.00")],
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)
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alerts = await RiskRuleEngine(session)._suitability_mismatch()
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assert len(alerts) == 1
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assert alerts[0].alert_level == "中"
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assert "20%" in alerts[0].evidence_summary
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assert alerts[0].evidence_snapshot["exemption_ratio"] == "0.3"
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assert alerts[0].evidence_snapshot["exemption_limit"] == "0.20"
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@pytest.mark.asyncio
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async def test_suitability_exemption_within_limit_is_not_an_alert() -> None:
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"""留痕齐全且占比未超额度 → 豁免成立，不该产生预警。"""
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session = FakeSession(
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rows=[transaction()],
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get_values=[risk_user("C3"), product("R4"), _complete_trace()],
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scalar_values=[None, Decimal("100000.00"), Decimal("10000.00")],
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)
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assert await RiskRuleEngine(session)._suitability_mismatch() == []
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@pytest.mark.asyncio
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async def test_suitability_exemption_missing_asset_data_does_not_create_alerts() -> None:
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"""总资产为 0（上游未落地）时不能算成"超限"。
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本项目的画像与持仓由本项目之外的流程写入，拿 0 去算会让每一笔 C3→R4 都变成
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违规 —— 豁免规则就成了新的误报源。缺失只如实记录，交给研判侧提示人工确认。
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"""
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session = FakeSession(
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rows=[transaction()],
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get_values=[risk_user("C3"), product("R4"), _complete_trace()],
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scalar_values=[None, Decimal("0"), Decimal("10000.00")],
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)
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assert await RiskRuleEngine(session)._suitability_mismatch() == []
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@pytest.mark.asyncio
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async def test_suitability_missing_trace_still_alerts_without_exemption_data() -> None:
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"""留痕不完整这条老语义不能被新增的额度逻辑冲掉。"""
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session = FakeSession(
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rows=[transaction()],
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get_values=[risk_user("C3"), product("R4"), work_order()],
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scalar_values=[None, Decimal("0"), None],
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)
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alerts = await RiskRuleEngine(session)._suitability_mismatch()
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assert len(alerts) == 1
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assert "交易留痕不完整" in alerts[0].evidence_summary
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assert alerts[0].evidence_snapshot["exemption_data_missing"] is True
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@pytest.mark.asyncio
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async def test_elderly_redemption_requires_age_amount_average_and_uncommon_device() -> None:
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login = RiskLoginRecord(
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