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。
656 lines
20 KiB
Python
656 lines
20 KiB
Python
from datetime import date, datetime
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from decimal import Decimal
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import pytest
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from app.core.contracts import RequestContext
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from app.model.fund import (
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FundCapitalFlow,
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FundCustomerProfile,
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FundProduct,
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FundRiskAlert,
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FundTransaction,
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)
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from app.model.risk import RiskLoginRecord, RiskUser, RiskWorkOrder
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from app.service.risk_scan_service import (
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RiskRuleEngine,
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RiskScanService,
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_new_alert_id,
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)
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class ScalarRows:
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def __init__(self, rows):
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self.rows = rows
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def all(self):
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return list(self.rows)
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class FakeSession:
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def __init__(self, *, scalar_values=None, rows=None, get_values=None):
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self.scalar_values = list(scalar_values or [])
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self.rows = list(rows or [])
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self.get_values = list(get_values or [])
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self.statements = []
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self.committed = False
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self.rolled_back = False
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async def scalar(self, statement):
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self.statements.append(statement)
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return self.scalar_values.pop(0) if self.scalar_values else None
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async def scalars(self, statement):
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self.statements.append(statement)
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return ScalarRows(self.rows)
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async def get(self, _model, _identifier):
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return self.get_values.pop(0) if self.get_values else None
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def add(self, _value):
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return None
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async def flush(self):
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return None
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async def commit(self):
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self.committed = True
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async def rollback(self):
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self.rolled_back = True
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def begin_nested(self):
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return _NestedTransaction()
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class _NestedTransaction:
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async def __aenter__(self):
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return self
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async def __aexit__(self, _exc_type, _exc, _traceback):
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return False
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def transaction() -> FundTransaction:
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return FundTransaction(
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id=100,
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transaction_no="TX-100",
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order_id=200,
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work_order_id=300,
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customer_id=1,
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account_id=2,
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product_id=3,
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order_side="sell",
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transaction_type="赎回",
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executed_price=Decimal("1.000000"),
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nav=Decimal("1.000000"),
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executed_quantity=Decimal("750000.0000"),
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shares=Decimal("750000.0000"),
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gross_amount=Decimal("750000.00"),
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amount=Decimal("750000.00"),
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fee_rate_snapshot=Decimal("0.000000"),
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fee_amount=Decimal("0.00"),
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net_amount=Decimal("750000.00"),
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quote_at=datetime(2026, 9, 10, 8, 0),
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quote_source="test",
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executed_at=datetime(2026, 9, 10, 8, 0),
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confirmed_at=datetime(2026, 9, 10, 8, 0),
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auto_confirmed=0,
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created_at=datetime(2026, 9, 10, 8, 0),
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)
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def capital_flow() -> FundCapitalFlow:
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return FundCapitalFlow(
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id=400,
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flow_no="FLOW-400",
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customer_id=1,
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flow_type="入金",
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amount=Decimal("800000.00"),
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status="成功",
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settled_at=datetime(2026, 9, 8, 8, 0),
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occurred_at=datetime(2026, 9, 8, 8, 0),
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source_type="银行转入",
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match_status="已匹配",
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created_at=datetime(2026, 9, 8, 8, 0),
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updated_at=datetime(2026, 9, 8, 8, 0),
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)
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def risk_user(investor_type: str = "C2") -> RiskUser:
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return RiskUser(
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id=1,
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user_no="CUST-001",
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username="customer001",
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user_type="CUSTOMER",
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investor_type=investor_type,
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is_professional_investor=0,
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professional_investor_status="未申请",
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fund_account_status="已开户",
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status="正常",
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created_at=datetime(2026, 1, 1),
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updated_at=datetime(2026, 9, 10),
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)
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def product(
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risk_level: str = "R5",
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*,
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disclosure: int = 1,
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confirmation: int = 1,
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recording: int = 1,
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) -> FundProduct:
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return FundProduct(
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id=3,
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product_code="P-001",
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product_name="测试产品",
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exchange_code="159999",
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product_category="股票型",
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risk_level=risk_level,
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currency="CNY",
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lot_size=Decimal("100.0000"),
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price_tick=Decimal("0.000100"),
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min_amount=Decimal("100.00"),
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single_investor_max_holding_ratio=Decimal("100.0000"),
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risk_disclosure_required=disclosure,
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second_confirmation_required=confirmation,
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recording_required=recording,
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status="在售",
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created_at=datetime(2026, 1, 1),
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updated_at=datetime(2026, 9, 10),
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)
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def work_order(
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*,
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disclosure_at: datetime | None = None,
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confirmation_at: datetime | None = None,
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recording_reference: str | None = None,
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channel: str | None = "手机应用",
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) -> RiskWorkOrder:
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return RiskWorkOrder(
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id=300,
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work_order_no="WO-300",
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customer_id=1,
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product_id=3,
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channel=channel,
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risk_disclosure_ack_at=disclosure_at,
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second_confirmation_at=confirmation_at,
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recording_reference=recording_reference,
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status="已提交",
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created_at=datetime(2026, 9, 1),
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updated_at=datetime(2026, 9, 10),
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)
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def customer_profile(birth_date: date = date(1954, 1, 1)) -> FundCustomerProfile:
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return FundCustomerProfile(
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customer_id=1,
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trade_account="ACC-001",
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real_name="张三",
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birth_date=birth_date,
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investor_type="C2",
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total_asset=Decimal("1000000.00"),
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behavior_score=20,
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updated_at=datetime(2026, 9, 10),
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)
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@pytest.mark.asyncio
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async def test_fast_in_fast_out_builds_fact_based_alert() -> None:
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session = FakeSession(
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rows=[transaction()],
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scalar_values=[capital_flow(), None],
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)
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alerts = await RiskRuleEngine(session)._fast_in_fast_out()
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assert len(alerts) == 1
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assert alerts[0].trigger_rule_codes == ["RW-003"]
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assert alerts[0].alert_level == "高"
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assert "800000" in alerts[0].evidence_summary
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assert alerts[0].evidence_snapshot["ratio"] == "0.9375"
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@pytest.mark.asyncio
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async def test_duplicate_rule_hit_is_suppressed() -> None:
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session = FakeSession(
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rows=[transaction()],
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scalar_values=[capital_flow(), 1],
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)
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alerts = await RiskRuleEngine(session)._fast_in_fast_out()
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assert alerts == []
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def test_same_transaction_alerts_are_merged() -> None:
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first = FundRiskAlert(
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id=1,
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alert_no="AL-1",
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customer_id=1,
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related_transaction_id=100,
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alert_type="大额快进快出",
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alert_level="高",
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trigger_rule_codes=["RW-003"],
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evidence_summary="摘要一",
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evidence_snapshot={"product_id": 3},
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priority_score=98,
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event_status="正在发生",
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status="待处理",
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ack_status="未确认",
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is_escalated=0,
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created_at=datetime(2026, 9, 10),
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updated_at=datetime(2026, 9, 10),
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)
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second = FundRiskAlert(
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id=2,
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alert_no="AL-2",
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customer_id=1,
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related_transaction_id=100,
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alert_type="老年客户异常大额赎回",
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alert_level="中",
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trigger_rule_codes=["RW-012"],
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evidence_summary="摘要二",
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evidence_snapshot={"age": 72},
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priority_score=96,
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event_status="正在发生",
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status="待处理",
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ack_status="未确认",
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is_escalated=0,
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created_at=datetime(2026, 9, 10),
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updated_at=datetime(2026, 9, 10),
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)
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merged = RiskRuleEngine._merge_same_transaction_alerts([first, second])
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assert len(merged) == 1
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assert merged[0].trigger_rule_codes == ["RW-003", "RW-012"]
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assert merged[0].alert_level == "高"
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assert merged[0].evidence_summary == "摘要一；摘要二"
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assert len(merged[0].evidence_snapshot["merged_alerts"]) == 2
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@pytest.mark.asyncio
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async def test_scan_service_uses_transaction_boundary() -> None:
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class FakeRuleEngine:
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async def refresh_alerts(self):
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return [
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FundRiskAlert(
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id=1,
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alert_no="AL-1",
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customer_id=1,
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alert_type="大额快进快出",
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alert_level="高",
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trigger_rule_codes=["RW-003"],
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evidence_summary="摘要",
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evidence_snapshot={},
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priority_score=98,
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event_status="正在发生",
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status="待处理",
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ack_status="未确认",
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is_escalated=0,
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created_at=datetime(2026, 9, 10),
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updated_at=datetime(2026, 9, 10),
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)
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]
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session = FakeSession()
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context = RequestContext(
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user_id="990000002",
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trace_id="scan-trace",
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permissions=("risk:alert:scan",),
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data_scope="all",
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)
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result = await RiskScanService(
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session,
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rule_engine=FakeRuleEngine(),
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notification_enabled=False,
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).scan(context)
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assert result == {
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"message": "规则扫描完成",
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"created_count": 1,
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"high_risk_count": 1,
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"notification_count": 0,
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}
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assert session.committed is True
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assert session.rolled_back is False
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def test_alert_id_is_nonzero_positive() -> None:
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alert_id = _new_alert_id()
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assert 0 < alert_id < 2**63
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@pytest.mark.asyncio
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async def test_scan_creates_high_risk_notifications_in_savepoint() -> None:
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class FakeRuleEngine:
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async def refresh_alerts(self):
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return [
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FundRiskAlert(
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id=1,
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alert_no="AL-1",
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customer_id=1,
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alert_type="大额快进快出",
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alert_level="高",
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trigger_rule_codes=["RW-003"],
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evidence_summary="摘要",
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evidence_snapshot={},
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priority_score=98,
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event_status="正在发生",
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status="待处理",
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ack_status="未确认",
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handler_id=990000002,
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is_escalated=0,
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created_at=datetime(2026, 9, 10),
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updated_at=datetime(2026, 9, 10),
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)
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]
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class FakeNotificationService:
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def __init__(self):
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self.calls = []
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def create_in_app(self, alert, **kwargs):
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self.calls.append(("in_app", alert.alert_no, kwargs))
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def create_mail_record(self, alert, **kwargs):
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self.calls.append(("mail", alert.alert_no, kwargs))
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notifier = FakeNotificationService()
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context_value = RequestContext(
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user_id="990000002",
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trace_id="scan-trace",
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permissions=("risk:alert:scan",),
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data_scope="all",
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)
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result = await RiskScanService(
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FakeSession(),
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rule_engine=FakeRuleEngine(),
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notification_service=notifier,
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notification_email="risk@example.com",
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).scan(context_value)
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assert result["notification_count"] == 2
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assert [call[0] for call in notifier.calls] == ["in_app", "mail"]
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@pytest.mark.asyncio
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async def test_notification_failure_does_not_rollback_scan() -> None:
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class FakeRuleEngine:
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async def refresh_alerts(self):
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return [
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FundRiskAlert(
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id=1,
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alert_no="AL-1",
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customer_id=1,
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alert_type="大额快进快出",
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alert_level="高",
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trigger_rule_codes=["RW-003"],
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evidence_summary="摘要",
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evidence_snapshot={},
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priority_score=98,
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event_status="正在发生",
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status="待处理",
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ack_status="未确认",
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is_escalated=0,
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created_at=datetime(2026, 9, 10),
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updated_at=datetime(2026, 9, 10),
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)
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]
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class FailingNotificationService:
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def create_in_app(self, *_args, **_kwargs):
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raise RuntimeError("notification failed")
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session = FakeSession()
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context_value = RequestContext(
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user_id="990000002",
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trace_id="scan-trace",
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permissions=("risk:alert:scan",),
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data_scope="all",
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)
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result = await RiskScanService(
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session,
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rule_engine=FakeRuleEngine(),
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notification_service=FailingNotificationService(),
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).scan(context_value)
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assert result["created_count"] == 1
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assert result["notification_count"] == 0
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assert session.committed is True
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assert session.rolled_back is False
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@pytest.mark.asyncio
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async def test_suitability_mismatch_high_and_medium_boundaries() -> None:
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session = FakeSession(
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rows=[transaction()],
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get_values=[risk_user("C2"), product("R5"), work_order()],
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scalar_values=[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 alerts[0].alert_level == "高"
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session = FakeSession(
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rows=[transaction()],
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get_values=[risk_user("C4"), product("R5"), work_order()],
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scalar_values=[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 alerts[0].alert_level == "中"
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@pytest.mark.asyncio
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async def test_suitability_mismatch_rejects_complete_trace_and_matching_level() -> None:
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session = FakeSession(
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rows=[transaction()],
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get_values=[
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risk_user("C2"),
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product("R5"),
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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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],
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scalar_values=[None],
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)
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assert await RiskRuleEngine(session)._suitability_mismatch() == []
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session = FakeSession(
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rows=[transaction()],
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get_values=[risk_user("C5"), product("R5"), work_order()],
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scalar_values=[None],
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)
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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),
|
||
confirmation_at=datetime(2026, 9, 1),
|
||
recording_reference="REC-1",
|
||
)
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_suitability_exemption_limit_breach_raises_alert() -> None:
|
||
"""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。
|
||
|
||
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
|
||
但买超额度"这种明确违规反而没有预警。
|
||
"""
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[risk_user("C3"), product("R4"), _complete_trace()],
|
||
scalar_values=[None, Decimal("100000.00"), Decimal("30000.00")],
|
||
)
|
||
|
||
alerts = await RiskRuleEngine(session)._suitability_mismatch()
|
||
|
||
assert len(alerts) == 1
|
||
assert alerts[0].alert_level == "中"
|
||
assert "20%" in alerts[0].evidence_summary
|
||
assert alerts[0].evidence_snapshot["exemption_ratio"] == "0.3"
|
||
assert alerts[0].evidence_snapshot["exemption_limit"] == "0.20"
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_suitability_exemption_within_limit_is_not_an_alert() -> None:
|
||
"""留痕齐全且占比未超额度 → 豁免成立，不该产生预警。"""
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[risk_user("C3"), product("R4"), _complete_trace()],
|
||
scalar_values=[None, Decimal("100000.00"), Decimal("10000.00")],
|
||
)
|
||
|
||
assert await RiskRuleEngine(session)._suitability_mismatch() == []
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_suitability_exemption_missing_asset_data_does_not_create_alerts() -> None:
|
||
"""总资产为 0（上游未落地）时不能算成"超限"。
|
||
|
||
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
|
||
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。
|
||
"""
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[risk_user("C3"), product("R4"), _complete_trace()],
|
||
scalar_values=[None, Decimal("0"), Decimal("10000.00")],
|
||
)
|
||
|
||
assert await RiskRuleEngine(session)._suitability_mismatch() == []
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_suitability_missing_trace_still_alerts_without_exemption_data() -> None:
|
||
"""留痕不完整这条老语义不能被新增的额度逻辑冲掉。"""
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[risk_user("C3"), product("R4"), work_order()],
|
||
scalar_values=[None, Decimal("0"), None],
|
||
)
|
||
|
||
alerts = await RiskRuleEngine(session)._suitability_mismatch()
|
||
|
||
assert len(alerts) == 1
|
||
assert "交易留痕不完整" in alerts[0].evidence_summary
|
||
assert alerts[0].evidence_snapshot["exemption_data_missing"] is True
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_elderly_redemption_requires_age_amount_average_and_uncommon_device() -> None:
|
||
login = RiskLoginRecord(
|
||
id=500,
|
||
user_id=1,
|
||
login_at=datetime(2026, 9, 9),
|
||
login_result="成功",
|
||
device_id="DEVICE-NEW",
|
||
is_common_device=0,
|
||
created_at=datetime(2026, 9, 9),
|
||
)
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[customer_profile()],
|
||
scalar_values=[Decimal("100000.00"), login, None],
|
||
)
|
||
alerts = await RiskRuleEngine(session)._elderly_redemption()
|
||
assert len(alerts) == 1
|
||
assert alerts[0].trigger_rule_codes == ["RW-012"]
|
||
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[customer_profile()],
|
||
scalar_values=[Decimal("250000.00"), login, None],
|
||
)
|
||
boundary_alerts = await RiskRuleEngine(session)._elderly_redemption()
|
||
assert len(boundary_alerts) == 1
|
||
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[customer_profile()],
|
||
scalar_values=[Decimal("260000.00")],
|
||
)
|
||
assert await RiskRuleEngine(session)._elderly_redemption() == []
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_elderly_redemption_rejects_common_device() -> None:
|
||
login = RiskLoginRecord(
|
||
id=500,
|
||
user_id=1,
|
||
login_at=datetime(2026, 9, 9),
|
||
login_result="成功",
|
||
device_id="DEVICE-COMMON",
|
||
is_common_device=1,
|
||
created_at=datetime(2026, 9, 9),
|
||
)
|
||
session = FakeSession(
|
||
rows=[transaction()],
|
||
get_values=[customer_profile()],
|
||
scalar_values=[Decimal("100000.00"), login],
|
||
)
|
||
assert await RiskRuleEngine(session)._elderly_redemption() == []
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_night_small_trade_boundaries() -> None:
|
||
# confirmed_at 在库里是 **UTC**（见 app/infrastructure/db.py:15-21），而"凌晨"是
|
||
# **北京时间**概念：北京 00:00–06:00 对应 UTC 的前一日 16:00–22:00。
|
||
# 原先这里直接拿 UTC 小时当北京时间（写 0 点 / 6 点），等于在测"北京 08:00 / 14:00"，
|
||
# 规则修正后这些用例的语义也一并修正（docs/25 P1 #6）。
|
||
night = transaction()
|
||
night.confirmed_at = datetime(2026, 9, 9, 16, 0) # 北京 09-10 00:00，凌晨起点（含）
|
||
night.amount = Decimal("10000.00")
|
||
session = FakeSession(rows=[night], scalar_values=[None])
|
||
alerts = await RiskRuleEngine(session)._low_risk_night_trade()
|
||
assert len(alerts) == 1
|
||
|
||
regular = transaction()
|
||
regular.confirmed_at = datetime(2026, 9, 9, 22, 0) # 北京 09-10 06:00，凌晨终点（不含）
|
||
session = FakeSession(rows=[regular], scalar_values=[None])
|
||
assert await RiskRuleEngine(session)._low_risk_night_trade() == []
|
||
|
||
too_large = transaction()
|
||
too_large.confirmed_at = datetime(2026, 9, 9, 18, 0) # 北京 09-10 02:00，在凌晨但金额超限
|
||
too_large.amount = Decimal("10000.01")
|
||
session = FakeSession(rows=[too_large], scalar_values=[None])
|
||
assert await RiskRuleEngine(session)._low_risk_night_trade() == []
|
||
|
||
|
||
@pytest.mark.asyncio
|
||
async def test_auto_investment_false_positive_uses_valid_work_order() -> None:
|
||
tx = transaction()
|
||
tx.work_order_id = 300
|
||
session = FakeSession(
|
||
rows=[tx],
|
||
get_values=[work_order(channel="自动定投")],
|
||
scalar_values=[None],
|
||
)
|
||
alerts = await RiskRuleEngine(session)._auto_investment_false_positive()
|
||
assert len(alerts) == 1
|
||
assert alerts[0].trigger_rule_codes == ["RW-018"]
|
||
|
||
session = FakeSession(
|
||
rows=[tx],
|
||
get_values=[work_order(channel="定投")],
|
||
scalar_values=[None],
|
||
)
|
||
assert len(await RiskRuleEngine(session)._auto_investment_false_positive()) == 1
|
||
|
||
session = FakeSession(
|
||
rows=[tx],
|
||
get_values=[work_order(channel="手机应用")],
|
||
scalar_values=[None],
|
||
)
|
||
assert await RiskRuleEngine(session)._auto_investment_false_positive() == []
|