lzf_0626
ff681df143
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。
537 lines
22 KiB
Python
537 lines
22 KiB
Python
"""风控预警只读研判草案。
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本模块只根据现有规则命中条件和证据字段给出复核方向，不执行误报关闭、
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放行、结案或升级等人工处置动作。
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"""
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from __future__ import annotations
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import re
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from datetime import UTC, date, datetime
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from decimal import Decimal, InvalidOperation
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from typing import Any
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from app.core.timeutil import local_date, local_hour
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VERDICT_RELEASE = "可考虑放行"
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# 定投类工单渠道。扫描侧按"有效定投工单"生成 RW-018 预警时接受这两个值
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# （`risk_scan_service.py:294` 的 `work_order.channel in {"定投", "自动定投"}`）。
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# 研判侧必须用**同一份口径**：原先详情级只认 `"定投"`，于是"自动定投"的预警
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# 会出现"扫描按有效工单生成、详情却说未确认有效定投工单"的自相矛盾。
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DIRECT_INVESTMENT_CHANNELS = frozenset({"定投", "自动定投"})
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VERDICT_SUSPECTED_FALSE_POSITIVE = "疑似误报"
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VERDICT_CONTINUE_REVIEW = "继续复核"
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VERDICT_RISK_SUPPORTED = "证据支持风险"
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_VERDICT_SEVERITY = {
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VERDICT_RISK_SUPPORTED: 4,
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VERDICT_CONTINUE_REVIEW: 3,
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VERDICT_SUSPECTED_FALSE_POSITIVE: 2,
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VERDICT_RELEASE: 1,
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}
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_CONFIDENCE_SEVERITY = {"低": 1, "中": 2, "高": 3}
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def assess_alert_list_item(item: dict[str, Any]) -> dict[str, Any]:
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"""根据预警列表字段给出初步复核方向。"""
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rules = _rule_codes(item)
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assessments = [_assess_list_rule(rule, item) for rule in rules]
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return _combine_assessments(item, rules, assessments)
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def assess_alert_detail(detail: dict[str, Any]) -> dict[str, Any]:
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"""根据完整证据详情给出规则级只读研判草案。"""
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alert = _mapping(detail.get("alert"))
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rules = _rule_codes(alert)
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assessments = [_assess_detail_rule(rule, detail) for rule in rules]
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return _combine_assessments(alert, rules, assessments)
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def _assess_list_rule(rule: str, item: dict[str, Any]) -> dict[str, Any]:
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item = _flatten_merged_evidence(item)
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if rule == "RW-018":
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# 原先这里**完全不看 item**，无条件返回"可考虑放行"，而且理由文本是硬编码的
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# "现有摘要显示交易来自有效定投工单"。于是列表里那些渠道并不匹配、或证据里
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# 根本没有工单信息的 RW-018 预警，也被标成"可考虑放行"——等于把待核实的预警
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# 在列表层提前放掉了（详情层另有判断，但列表是风控专员最先看到的一屏）。
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#
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# 现在按 snapshot 里的渠道判断，并与扫描侧（`risk_scan_service.py:294`）
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# 共用同一份渠道口径 —— 两处不一致会造成"扫描认为有效、详情认为未确认"的自相矛盾。
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snapshot = _mapping(item.get("evidence_snapshot"))
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channel = snapshot.get("channel")
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if isinstance(channel, str) and channel in DIRECT_INVESTMENT_CHANNELS:
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return _assessment(
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VERDICT_RELEASE,
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"高",
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[f"命中低优先级频繁交易初筛，关联工单渠道为 {channel}，属有效定投场景。"],
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["核验定投工单状态、交易周期和客户授权记录。"],
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)
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return _assessment(
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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"中",
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["命中频繁交易初筛，但证据中未确认有效定投工单。"],
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["核验定投工单状态与客户授权记录后，由风控专员判断是否放行。"],
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)
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if rule == "RW-015":
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return _assessment(
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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"中",
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["命中低风险非正常时段小额操作，初步更偏向运营特征而非高风险欺诈。"],
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["核验登录设备、交易地点和客户当日操作意图。"],
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)
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if rule == "RW-007":
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"中",
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["适当性错配需要核对客户风险等级、产品风险等级和交易留痕完整性。"],
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["读取预警详情，核验风险等级差和双录、确认、留痕字段。"],
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)
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if rule in {"RW-003", "RW-012"}:
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"中",
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[f"规则 {rule} 属于大额资金或老年客户高风险场景，列表不足以判断误报。"],
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["读取预警详情并核对资金流、历史均值和登录设备证据。"],
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)
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"低",
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["当前规则没有内置误报豁免判断。"],
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["读取完整证据后由风控专员人工复核。"],
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)
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def _flatten_merged_evidence(detail: dict[str, Any]) -> dict[str, Any]:
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"""把"合并预警"的嵌套证据摊回顶层，再交给各条规则的研判函数。
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同一笔交易命中多条规则时，扫描器会把它们合并成一条
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（`risk_scan_service._merge_same_transaction_alerts`）。合并后的 `evidence_snapshot`
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只保留 `product_id` 和 `merged_alerts`，各条**原有的证据键被塞进
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`merged_alerts[].evidence`**；而各研判函数读的是**顶层键**（`snapshot.get("ratio")`
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之类），于是合并过的预警一律读不到证据、降级成"缺证据无法复核" ——
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合并本来是为了少几条噪音，结果把这些预警的研判全废掉了（docs/25 P2）。
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在入口统一摊平：顶层已有的键优先（它来自 priority_score 最高的那条主预警），
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再按顺序补入各子条目的证据键。所有规则共用这一步，不必各自去认嵌套结构。
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"""
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snapshot = _mapping(detail.get("evidence_snapshot"))
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merged = snapshot.get("merged_alerts")
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if not isinstance(merged, list):
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return detail
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flat = dict(snapshot)
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for entry in merged:
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for key, value in _mapping(_mapping(entry).get("evidence")).items():
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flat.setdefault(key, value)
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return {**detail, "evidence_snapshot": flat}
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def _assess_detail_rule(rule: str, detail: dict[str, Any]) -> dict[str, Any]:
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detail = _flatten_merged_evidence(detail)
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if rule == "RW-003":
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return _assess_rw003(detail)
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if rule == "RW-007":
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return _assess_rw007(detail)
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if rule == "RW-012":
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return _assess_rw012(detail)
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if rule == "RW-015":
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return _assess_rw015(detail)
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if rule == "RW-018":
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return _assess_rw018(detail)
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"低",
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[f"规则 {rule} 尚未配置只读误报研判依据。"],
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["由风控专员根据完整证据人工判断。"],
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)
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def _assess_rw003(detail: dict[str, Any]) -> dict[str, Any]:
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transaction = _mapping(detail.get("transaction"))
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snapshot = _mapping(detail.get("evidence_snapshot"))
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amount = _decimal(transaction.get("amount"))
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ratio = _decimal(snapshot.get("ratio"))
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if amount is None or ratio is None:
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"中",
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["缺少赎回金额或赎回比例，无法复核大额快进快出条件。"],
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["补查对应入金流水和赎回交易金额。"],
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)
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if amount >= Decimal("500000") and ratio >= Decimal("0.8"):
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return _assessment(
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VERDICT_RISK_SUPPORTED,
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"高",
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[
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f"赎回金额 {amount:.2f} 元已达到 500000 元阈值。",
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f"赎回比例 {ratio:.2%} 已达到 80% 阈值。",
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],
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["继续核实资金来源、交易目的和客户风险承受能力。"],
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)
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return _assessment(
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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"高",
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[
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f"当前赎回金额 {amount:.2f} 元或赎回比例 {ratio:.2%} 已不满足规则阈值。",
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],
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["核对交易是否发生冲正、撤销或证据快照是否过期。"],
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)
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def _assess_rw007(detail: dict[str, Any]) -> dict[str, Any]:
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customer = _mapping(detail.get("customer"))
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product = _mapping(detail.get("product"))
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work_order = _mapping(detail.get("work_order"))
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investor_value = _risk_level_number(customer.get("investor_type"), "C")
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product_value = _risk_level_number(product.get("risk_level"), "R")
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if investor_value is None or product_value is None:
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"中",
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["缺少客户风险等级或产品风险等级，无法复核适当性错配。"],
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["补查客户最新风险测评和产品风险等级。"],
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)
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level_gap = product_value - investor_value
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if level_gap <= 0:
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return _assessment(
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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"高",
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[
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f"当前客户等级 {customer.get('investor_type')} 与产品等级 "
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f"{product.get('risk_level')} 已不存在风险等级差。",
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],
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["核对预警生成时和当前测评记录是否发生变更。"],
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)
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# 第十五条豁免规则：C3→R4、C4→R5 是**允许**的越级购买，前提是签署风险揭示书
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# 且单只持仓不超过总资产的 20% / 10%。所以"留痕齐全"只是豁免成立的一半条件，
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# 另一半是额度 —— 只判留痕会把"签了字但买超了额度"的违规判成误报。
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snapshot = _mapping(detail.get("evidence_snapshot"))
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limit = _decimal(snapshot.get("exemption_limit"))
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ratio = _decimal(snapshot.get("exemption_ratio"))
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if limit is not None and ratio is not None and ratio > limit:
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return _assessment(
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VERDICT_RISK_SUPPORTED,
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"高",
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[
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f"客户等级与产品等级相差 {level_gap} 级，属第十五条可豁免情形。",
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f"但单只持仓占比 {ratio:.2%} 已超过豁免上限 {limit:.0%}。",
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],
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["核实风险揭示书签署情况，并查明持仓占比突破豁免额度的原因。"],
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)
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missing_traces = _missing_traces(product, work_order)
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if not missing_traces:
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if limit is not None and snapshot.get("exemption_data_missing"):
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# 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流程写入，
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# 数据没落地时既不能默认"没超"判误报，也不能默认"超了"判风险。
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"中",
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[
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f"客户等级与产品等级相差 {level_gap} 级，属第十五条可豁免情形，"
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"且产品要求的交易留痕已具备。",
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"但缺少总资产或单只持仓快照，无法核算豁免额度是否被突破。",
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],
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["补查客户总资产与单只产品持仓市值后，再判定豁免是否成立。"],
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)
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return _assessment(
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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"高",
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[
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f"当前存在 {level_gap} 级风险等级差，但产品要求的交易留痕均已具备。",
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],
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["复核留痕时间、录音编号和二次确认记录的真实有效性。"],
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)
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return _assessment(
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VERDICT_RISK_SUPPORTED,
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"高",
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[
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f"客户等级与产品等级相差 {level_gap} 级。",
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f"缺少交易留痕：{'、'.join(missing_traces)}。",
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],
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["继续核实双录、风险揭示确认和二次确认材料。"],
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)
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def _assess_rw012(detail: dict[str, Any]) -> dict[str, Any]:
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customer = _mapping(detail.get("customer"))
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transaction = _mapping(detail.get("transaction"))
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age = _age(customer.get("birth_date"))
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amount = _decimal(transaction.get("amount"))
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if age is None or amount is None:
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"中",
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["缺少客户年龄或赎回金额，无法复核老年客户异常赎回。"],
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["补查客户出生日期和赎回交易金额。"],
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)
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if age < 65 or amount < Decimal("300000"):
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return _assessment(
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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"高",
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[
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f"当前客户年龄 {age} 岁或赎回金额 {amount:.2f} 元已不满足规则门槛。",
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],
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["核对证据快照是否来自已变更或已冲正的交易。"],
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)
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# 复核生成条件里的"≥ 3 倍历史均值"。原先这里没有这一项，快照里也没有均值，
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# 于是一笔只达到 2 倍均值的赎回会被判成"证据支持风险" —— 而它的建议文本写着
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# "继续核实一年期历史交易均值"，说明作者知道该看，只是当时确实没有数据可看。
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# 现在扫描侧把 average_amount / ratio 写进了快照，这里就能真正核。
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snapshot = _mapping(detail.get("evidence_snapshot"))
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ratio = _decimal(snapshot.get("ratio"))
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if ratio is None:
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return _assessment(
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VERDICT_CONTINUE_REVIEW,
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"中",
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["证据快照中没有历史交易均值，无法复核是否达到规则的 3 倍门槛。"],
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["补查该客户近一年历史交易均值；数据缺失时由风控专员人工判断。"],
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)
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if ratio < Decimal("3"):
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return _assessment(
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VERDICT_SUSPECTED_FALSE_POSITIVE,
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"高",
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[f"赎回金额为历史均值的 {ratio:.2f} 倍，未达到规则的 3 倍门槛。"],
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["核对历史均值口径与统计窗口；确认后按误报关闭。"],
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)
|
||
|
||
confirmed_at = _datetime(transaction.get("confirmed_at"))
|
||
logins = detail.get("login_records")
|
||
latest_login = _latest_successful_login(logins, confirmed_at)
|
||
if latest_login is None:
|
||
return _assessment(
|
||
VERDICT_CONTINUE_REVIEW,
|
||
"中",
|
||
["客户年龄和赎回金额达到门槛，但缺少交易日前的成功登录记录。"],
|
||
["补查交易前登录设备、IP 地区和设备常用性。"],
|
||
)
|
||
if not bool(latest_login.get("is_common_device")):
|
||
return _assessment(
|
||
VERDICT_RISK_SUPPORTED,
|
||
"高",
|
||
[
|
||
f"{age} 岁客户赎回 {amount:.2f} 元。",
|
||
"交易前最近一次成功登录使用非常用设备。",
|
||
],
|
||
["继续核实一年期历史交易均值、客户本人意愿和设备归属。"],
|
||
)
|
||
return _assessment(
|
||
VERDICT_SUSPECTED_FALSE_POSITIVE,
|
||
"中",
|
||
["当前交易前最近一次成功登录使用常用设备。"],
|
||
["继续核验历史交易均值和客户赎回意图。"],
|
||
)
|
||
|
||
|
||
def _assess_rw015(detail: dict[str, Any]) -> dict[str, Any]:
|
||
transaction = _mapping(detail.get("transaction"))
|
||
amount = _decimal(transaction.get("amount"))
|
||
confirmed_at = _datetime(transaction.get("confirmed_at"))
|
||
if amount is None or confirmed_at is None:
|
||
return _assessment(
|
||
VERDICT_CONTINUE_REVIEW,
|
||
"中",
|
||
["缺少交易金额或成交时间。"],
|
||
["补查交易明细和成交时间。"],
|
||
)
|
||
# 必须按**北京时间**判断"凌晨"：库里存 UTC，直接取 .hour 会让 [0,6) UTC 变成
|
||
# 北京 08:00–14:00（docs/25 P1 #6）。展示的小时数同样要换算，否则风控专员看到的
|
||
# 是 UTC 时刻、与他的直觉差 8 小时，无法核对。
|
||
if amount <= Decimal("10000") and 0 <= local_hour(confirmed_at) < 6:
|
||
return _assessment(
|
||
VERDICT_RELEASE,
|
||
"中",
|
||
[
|
||
f"交易金额 {amount:.2f} 元较小，并发生在 {local_hour(confirmed_at)} 时。",
|
||
"该规则本身属于低优先级运营特征初筛。",
|
||
],
|
||
["核验设备、交易地点和客户操作意图后人工决定是否放行。"],
|
||
)
|
||
return _assessment(
|
||
VERDICT_SUSPECTED_FALSE_POSITIVE,
|
||
"中",
|
||
["当前金额或成交时段已不满足非正常时段小额操作条件。"],
|
||
["核对证据快照和当前交易记录是否一致。"],
|
||
)
|
||
|
||
|
||
def _assess_rw018(detail: dict[str, Any]) -> dict[str, Any]:
|
||
work_order = _mapping(detail.get("work_order"))
|
||
channel = work_order.get("channel")
|
||
if channel in DIRECT_INVESTMENT_CHANNELS:
|
||
return _assessment(
|
||
VERDICT_RELEASE,
|
||
"高",
|
||
["频繁交易初筛关联有效定投工单，现有证据支持正常定投场景。"],
|
||
["人工核验工单状态、签约周期、扣款授权和交易频率后考虑放行。"],
|
||
)
|
||
return _assessment(
|
||
VERDICT_CONTINUE_REVIEW,
|
||
"中",
|
||
["命中频繁交易初筛，但当前未确认有效定投工单。"],
|
||
["补查关联工单渠道、状态和客户授权记录。"],
|
||
)
|
||
|
||
|
||
def _combine_assessments(
|
||
source: dict[str, Any],
|
||
rules: list[str],
|
||
assessments: list[dict[str, Any]],
|
||
) -> dict[str, Any]:
|
||
if not assessments:
|
||
assessments = [_assessment(
|
||
VERDICT_CONTINUE_REVIEW,
|
||
"低",
|
||
["预警没有可识别的规则编号。"],
|
||
["由风控专员根据完整证据人工复核。"],
|
||
)]
|
||
primary = max(
|
||
assessments,
|
||
key=lambda item: (
|
||
_VERDICT_SEVERITY[item["verdict"]],
|
||
_CONFIDENCE_SEVERITY[item["confidence"]],
|
||
),
|
||
)
|
||
return {
|
||
"alert_no": source.get("alert_no"),
|
||
"rule_codes": rules,
|
||
"verdict": primary["verdict"],
|
||
"confidence": primary["confidence"],
|
||
"reasons": _deduplicate(
|
||
reason for item in assessments for reason in item["reasons"]
|
||
),
|
||
"review_actions": _deduplicate(
|
||
action for item in assessments for action in item["review_actions"]
|
||
),
|
||
"boundary": "仅为只读研判草案，不能替代风控专员人工复核和正式处置。",
|
||
}
|
||
|
||
|
||
def _assessment(
|
||
verdict: str,
|
||
confidence: str,
|
||
reasons: list[str],
|
||
review_actions: list[str],
|
||
) -> dict[str, Any]:
|
||
return {
|
||
"verdict": verdict,
|
||
"confidence": confidence,
|
||
"reasons": reasons,
|
||
"review_actions": review_actions,
|
||
}
|
||
|
||
|
||
def _missing_traces(
|
||
product: dict[str, Any],
|
||
work_order: dict[str, Any],
|
||
) -> list[str]:
|
||
checks = (
|
||
("风险揭示确认", "risk_disclosure_required", "risk_disclosure_ack_at"),
|
||
("二次确认", "second_confirmation_required", "second_confirmation_at"),
|
||
("录音留痕", "recording_required", "recording_reference"),
|
||
)
|
||
missing: list[str] = []
|
||
for label, required_field, evidence_field in checks:
|
||
if bool(product.get(required_field)) and not work_order.get(evidence_field):
|
||
missing.append(label)
|
||
return missing
|
||
|
||
|
||
def _latest_successful_login(
|
||
value: Any,
|
||
confirmed_at: datetime | None,
|
||
) -> dict[str, Any] | None:
|
||
if not isinstance(value, list):
|
||
return None
|
||
candidates = []
|
||
for item in value:
|
||
if not isinstance(item, dict):
|
||
continue
|
||
if item.get("login_result") != "成功":
|
||
continue
|
||
login_at = _datetime(item.get("login_at"))
|
||
if login_at is None:
|
||
continue
|
||
if confirmed_at is not None and login_at > confirmed_at:
|
||
continue
|
||
candidates.append((login_at, item))
|
||
if not candidates:
|
||
return None
|
||
return max(candidates, key=lambda item: item[0])[1]
|
||
|
||
|
||
def _rule_codes(value: dict[str, Any]) -> list[str]:
|
||
raw = value.get("rule_codes") or value.get("trigger_rule_codes") or []
|
||
if isinstance(raw, str):
|
||
raw = [raw]
|
||
if not isinstance(raw, (list, tuple)):
|
||
return []
|
||
return _deduplicate(str(item).upper() for item in raw if item)
|
||
|
||
|
||
def _risk_level_number(value: Any, prefix: str) -> int | None:
|
||
if not isinstance(value, str):
|
||
return None
|
||
matched = re.fullmatch(rf"{re.escape(prefix)}(\d+)", value.strip().upper())
|
||
return int(matched.group(1)) if matched else None
|
||
|
||
|
||
def _age(value: Any) -> int | None:
|
||
birth_date = _date(value)
|
||
if birth_date is None:
|
||
return None
|
||
# 用**北京时间**的今天。原先这里用服务器 date.today()（东八区的机器上是北京日期，
|
||
# 但不保证），而扫描侧用 UTC 日期——两处口径不一致会让同一客户在生日边界上差一岁
|
||
# （docs/25 P1 #6）。统一走 timeutil。
|
||
today = local_date(datetime.now(UTC))
|
||
return today.year - birth_date.year - (
|
||
(today.month, today.day) < (birth_date.month, birth_date.day)
|
||
)
|
||
|
||
|
||
def _date(value: Any) -> date | None:
|
||
if isinstance(value, date) and not isinstance(value, datetime):
|
||
return value
|
||
if isinstance(value, datetime):
|
||
return value.date()
|
||
if not isinstance(value, str) or not value.strip():
|
||
return None
|
||
try:
|
||
return date.fromisoformat(value.strip()[:10])
|
||
except ValueError:
|
||
return None
|
||
|
||
|
||
def _datetime(value: Any) -> datetime | None:
|
||
if isinstance(value, datetime):
|
||
return value
|
||
if not isinstance(value, str) or not value.strip():
|
||
return None
|
||
try:
|
||
return datetime.fromisoformat(value.strip().replace("Z", "+00:00"))
|
||
except ValueError:
|
||
return None
|
||
|
||
|
||
def _decimal(value: Any) -> Decimal | None:
|
||
if value is None or isinstance(value, bool):
|
||
return None
|
||
try:
|
||
return Decimal(str(value))
|
||
except (InvalidOperation, TypeError, ValueError):
|
||
return None
|
||
|
||
|
||
def _mapping(value: Any) -> dict[str, Any]:
|
||
return value if isinstance(value, dict) else {}
|
||
|
||
|
||
def _deduplicate(values: Any) -> list[str]:
|
||
result: list[str] = []
|
||
for value in values:
|
||
if value not in result:
|
||
result.append(value)
|
||
return result
|