group_fqcd_jr/docs/evidence/20260919-t3a-h02a-calc-param-layer.json

{
  "evidence_id": "20260919-t3a-h02a-calc-param-layer",
  "step": "H-02a：计算型出口 E2 的**参数层**（纯函数 + 真实语料回归），出口接线留待 H-02b",
  "why_split": "申购费算法存在「语料口径 vs D3.7 D-01 判据」冲突，而算法文字会**原样进客户答案**；先定口径再接线，避免接线返工",
  "artifacts": {
    "app/core/fund_fee_rules.py": {
      "bytes": 20985,
      "sha256_16": "0fb29ab2d214afc3",
      "kind": "纯函数；不 import 模型/数据库/Agent（DoD ②）"
    },
    "tests/unit/core/test_fund_fee_rules.py": {
      "bytes": 9737,
      "tests": 41
    }
  },
  "corpus_derived_params": {
    "fee_table_categories": [
      "货币基金",
      "纯债基金",
      "混合基金",
      "股票基金",
      "QDII 基金"
    ],
    "by_category": {
      "货币基金": {
        "purchase_rates": {
          "申购费率（原费率）": 0.0,
          "申购费率（官方直销 1 折）": 0.0
        },
        "redemption_at": {
          "5": 0.0,
          "20": 0.0,
          "240": 0.0,
          "365": 0.0,
          "540": 0.0,
          "730": 0.0
        }
      },
      "纯债基金": {
        "purchase_rates": {
          "申购费率（原费率）": 0.008,
          "申购费率（官方直销 1 折）": 0.0008
        },
        "redemption_at": {
          "5": 0.015,
          "20": 0.0075,
          "240": 0.001,
          "365": 0.0,
          "540": 0.0,
          "730": 0.0
        }
      },
      "混合基金": {
        "purchase_rates": {
          "申购费率（原费率）": 0.015,
          "申购费率（官方直销 1 折）": 0.0015
        },
        "redemption_at": {
          "5": 0.015,
          "20": 0.0075,
          "240": 0.005,
          "365": 0.0025,
          "540": 0.0025,
          "730": 0.0
        }
      },
      "股票基金": {
        "purchase_rates": {
          "申购费率（原费率）": 0.015,
          "申购费率（官方直销 1 折）": 0.0015
        },
        "redemption_at": {
          "5": 0.015,
          "20": 0.0075,
          "240": 0.005,
          "365": 0.0025,
          "540": 0.0025,
          "730": 0.0
        }
      },
      "QDII 基金": {
        "purchase_rates": {
          "申购费率（原费率）": 0.016,
          "申购费率（官方直销 1 折）": 0.0016
        },
        "redemption_at": {
          "5": 0.015,
          "20": 0.005,
          "240": 0.005,
          "365": 0.0025,
          "540": 0.0025,
          "730": 0.0
        }
      }
    },
    "stock_purchase_fee_range": [
      0.0015,
      0.015
    ],
    "suitability_matrix": {
      "C1": {
        "R1": "allow",
        "R2": "allow",
        "R3": "forbidden",
        "R4": "forbidden",
        "R5": "forbidden"
      },
      "C2": {
        "R1": "allow",
        "R2": "allow",
        "R3": "allow",
        "R4": "forbidden",
        "R5": "forbidden"
      },
      "C3": {
        "R1": "allow",
        "R2": "allow",
        "R3": "allow",
        "R4": "disclosure",
        "R5": "forbidden"
      },
      "C4": {
        "R1": "allow",
        "R2": "allow",
        "R3": "allow",
        "R4": "allow",
        "R5": "disclosure"
      },
      "C5": {
        "R1": "allow",
        "R2": "allow",
        "R3": "allow",
        "R4": "allow",
        "R5": "allow"
      }
    },
    "D04_verdict_C1_R3": "forbidden",
    "assert_D04_is_forbidden": true
  },
  "golden_resolvability": {
    "D-01": {
      "message": "买 10 万股票基金，申购费大概多少？",
      "category": "股票基金",
      "amount_yuan": 100000,
      "range": [
        0.0015,
        0.015
      ]
    },
    "D-02": {
      "message": "我持有 20 天赎回混合基金，赎回费多少？",
      "category": "混合基金",
      "holding_days": 20,
      "rate": 0.0075
    },
    "D-03": {
      "message": "持有 8 个月赎回要付费吗？",
      "holding_days": 240,
      "rate_mixed": 0.005
    },
    "D-04": {
      "message": "我是 C1，能买 R3 的产品吗？",
      "verdict": "forbidden",
      "expected": "forbidden"
    },
    "D-05": {
      "message": "南方基金客服现在方便联系吗？",
      "is_fee_question": false,
      "note": "非计算型 → 仍走知识出口（E3），本模块不接管"
    }
  },
  "decisions_pending": [
    {
      "id": "H-02-D1",
      "topic": "申购费算法口径冲突",
      "evidence": "D6.2.1 §6.3 示例 1：100,000 × 1.50% = 1,500 元（内扣式，费率乘总额）；D3.7 D-01 判据：申购费 = 金额 × 费率 ÷ (1+费率)（外扣式，同组数 = 1,477.83 元）。全语料检索「净申购/外扣/1+费率」→ 0 命中，外扣式**只存在于 D3.7 判据本身**",
      "current_impl": "按语料口径（INV-2：数字必须可解析到 chunk）",
      "options": [
        "A 改语料为外扣法（需重建切片 + 重灌集合）",
        "B 改 D3.7 D-01 判据为语料口径（1 处文档改动）"
      ],
      "recommendation": "建议 B（今天可做、零重建）；答辩后再考虑 A"
    },
    {
      "id": "H-02-D2",
      "topic": "语料内部费率不一致",
      "evidence": "单只产品 1.6「南方红利价值股票」赎回费原文『持有<7 天：1.5%；7—365 天：0.50%；1—2 年：0.25%；>2 年：0』⇒ 7—30 天档 = 0.50%；§6.1 总表股票列 7—30 天 = 0.75%。解析器给出 lower_days=[0, 7, 365, 730]",
      "impact": "按类别问（D-02/D-03）走总表，不受影响；按**单只产品**问 1.6 会答 0.50%，与总表冲突",
      "options": [
        "A 改产品 1.6 的 7—365 天为 7—30 天 0.75% + 30—365 天 0.50%",
        "B 保留并登记"
      ],
      "recommendation": "建议 A（一处语料行，改完同样需重建；也可与 D1 的重建合成一次）"
    }
  ],
  "gates": {
    "ruff(app tests tools)": 22,
    "mypy(app)": 3,
    "pytest_full": "2 failed / 1635 passed / 2 skipped",
    "pytest_baseline": "2 failed / 1594 passed / 2 skipped",
    "delta": "+41 passed = 本轮新增单测，2 failed 与基线同一组",
    "pytest_targeted_new_file": "41 passed"
  }
}