group_xinghuo_jinrong/scripts/core/01-ddl.sql

-- jinrong_core 表结构 · 对齐客户资料（用户信息示例 / 适当性指南 / AML 规则）
USE jinrong_core;

-- 风险等级字典（客户 C1~C5 · 产品 R1~R5）
CREATE TABLE core_risk_grade (
    code            VARCHAR(4)      NOT NULL PRIMARY KEY COMMENT 'C1~C5 或 R1~R5',
    grade_type      ENUM('customer','product') NOT NULL,
    display_name    VARCHAR(32)     NOT NULL,
    sort_order      TINYINT UNSIGNED NOT NULL
) ENGINE=InnoDB COMMENT='风险等级字典';

CREATE TABLE core_industry (
    industry_code   VARCHAR(16)     NOT NULL PRIMARY KEY,
    industry_name   VARCHAR(64)     NOT NULL
) ENGINE=InnoDB COMMENT='行业分类';

-- C×R 适当性匹配矩阵（《个人投资者适当性管理指南》第十二条）
CREATE TABLE core_suitability_rule (
    id                  TINYINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
    customer_risk_code  CHAR(2)         NOT NULL COMMENT 'C1~C5',
    product_risk_code   CHAR(2)         NOT NULL COMMENT 'R1~R5',
    match_result        ENUM('allowed','allowed_with_disclosure','forbidden') NOT NULL,
    rule_ref            VARCHAR(32)     NOT NULL DEFAULT 'JR-AST-012',
    UNIQUE KEY uk_cx_r (customer_risk_code, product_risk_code),
    CONSTRAINT fk_suit_cust_risk FOREIGN KEY (customer_risk_code) REFERENCES core_risk_grade(code),
    CONSTRAINT fk_suit_prod_risk FOREIGN KEY (product_risk_code) REFERENCES core_risk_grade(code)
) ENGINE=InnoDB COMMENT='适当性匹配规则（L0 权威）';

-- 内部员工（含 RBAC 角色种子，供 JWT/鉴权联调对照）
CREATE TABLE core_staff (
    staff_id        VARCHAR(64)     NOT NULL PRIMARY KEY,
    display_name    VARCHAR(64)     NOT NULL,
    staff_type      ENUM('advisor','analyst','risk_officer','compliance','ops') NOT NULL,
    roles           JSON            NOT NULL COMMENT 'JWT roles 数组，如 ["advisor"]',
    tenant_id       VARCHAR(32)     NOT NULL DEFAULT 'TENANT-001',
    is_active       TINYINT(1)      NOT NULL DEFAULT 1,
    created_at      DATETIME(3)     NOT NULL DEFAULT CURRENT_TIMESTAMP(3)
) ENGINE=InnoDB COMMENT='内部员工主档（模拟 IdP 账号源）';

-- 客户主档 L0（KYC + 财务概况 · 对齐用户信息数据示例）
CREATE TABLE core_customer (
    customer_id             VARCHAR(64)     NOT NULL PRIMARY KEY,
    display_name            VARCHAR(64)     NOT NULL COMMENT '脱敏展示名',
    gender                  ENUM('M','F','U') NOT NULL DEFAULT 'U',
    birth_date              DATE            NULL,
    age                     TINYINT UNSIGNED NULL,
    id_no_mask              VARCHAR(32)     NULL COMMENT '310101199903XXXXXX',
    occupation              VARCHAR(64)     NULL,
    employer                VARCHAR(128)    NULL,
    education               ENUM('high_school','associate','bachelor','master','doctor','other') NULL,
    marital_status          ENUM('single','married','widowed','divorced','other') NULL,
    city                    VARCHAR(64)     NULL,
    address_mask            VARCHAR(256)    NULL,
    phone_mask              VARCHAR(16)     NULL,
    email_mask              VARCHAR(64)     NULL,
    annual_income           DECIMAL(18,2)   NULL COMMENT '家庭年收入（元）',
    financial_asset         DECIMAL(18,2)   NULL COMMENT '金融资产规模（不含房产）',
    monthly_investable      DECIMAL(18,2)   NULL COMMENT '月可投资金额',
    is_hnw                  TINYINT(1)      NOT NULL DEFAULT 0 COMMENT '高净值客户',
    service_tier            ENUM('normal','vip','diamond') NOT NULL DEFAULT 'normal',
    is_pep                  TINYINT(1)      NOT NULL DEFAULT 0 COMMENT '政治公众人物',
    aml_risk_level          ENUM('low','medium','high') NOT NULL DEFAULT 'low',
    invest_experience_years TINYINT UNSIGNED NULL,
    first_invest_date       DATE            NULL,
    tenant_id               VARCHAR(32)     NOT NULL DEFAULT 'TENANT-001',
    open_date               DATE            NOT NULL,
    is_active               TINYINT(1)      NOT NULL DEFAULT 1,
    created_at              DATETIME(3)     NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
    KEY idx_service_tier (service_tier),
    KEY idx_hnw (is_hnw),
    KEY idx_aml (aml_risk_level)
) ENGINE=InnoDB COMMENT='客户主档 L0 · KYC';

-- 正式风险测评 L0（对齐适当性指南 16 题问卷 + FM-03 风评过期）
CREATE TABLE core_customer_risk (
    id                      BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
    customer_id             VARCHAR(64)     NOT NULL,
    risk_code               CHAR(2)         NOT NULL COMMENT 'C1~C5',
    questionnaire_score     SMALLINT UNSIGNED NULL COMMENT '问卷总分 20-100',
    max_loss_tolerance_pct  DECIMAL(5,2)    NULL COMMENT '最大可承受亏损比例',
    investment_goal         VARCHAR(128)    NULL,
    investment_horizon      ENUM('short','medium','long','flexible') NULL,
    investor_category       ENUM('ordinary','professional','professional_pending') NOT NULL DEFAULT 'ordinary',
    professional_approved_at DATE           NULL,
    is_authoritative        TINYINT(1)      NOT NULL DEFAULT 1,
    evaluated_at            DATE            NOT NULL,
    expires_at              DATE            NOT NULL COMMENT '风评有效期（通常 evaluated_at+12 月）',
    source                  VARCHAR(32)     NOT NULL DEFAULT 'risk_questionnaire',
    UNIQUE KEY uk_customer_current (customer_id),
    KEY idx_risk (risk_code),
    KEY idx_expires (expires_at),
    KEY idx_investor_cat (investor_category),
    CONSTRAINT fk_cust_risk_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
    CONSTRAINT fk_cust_risk_code FOREIGN KEY (risk_code) REFERENCES core_risk_grade(code)
) ENGINE=InnoDB COMMENT='客户正式风险测评 L0';

CREATE TABLE core_customer_advisor (
    id              BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
    customer_id     VARCHAR(64)     NOT NULL,
    advisor_id      VARCHAR(64)     NOT NULL COMMENT '对应 core_staff.staff_id',
    rel_status      ENUM('active','transferred','closed') NOT NULL DEFAULT 'active',
    effective_from  DATE            NOT NULL,
    effective_to    DATE            NULL,
    UNIQUE KEY uk_cust_advisor_from (customer_id, advisor_id, effective_from),
    KEY idx_advisor (advisor_id, rel_status),
    CONSTRAINT fk_ca_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
    CONSTRAINT fk_ca_advisor FOREIGN KEY (advisor_id) REFERENCES core_staff(staff_id)
) ENGINE=InnoDB COMMENT='客户-代理人归属';

-- 产品主档（对齐 C-11：风险等级 + 期限 + 起购金额）
CREATE TABLE core_product (
    product_id              VARCHAR(64)     NOT NULL PRIMARY KEY,
    product_name            VARCHAR(128)    NOT NULL,
    product_type            ENUM(
        'money','bond','mixed','stock','index',
        'wealth_mgmt','private_fund','insurance','structured'
    ) NOT NULL,
    min_risk_code           CHAR(2)         NOT NULL COMMENT 'R1~R5 最低适配',
    min_subscribe_amount    DECIMAL(18,2)   NOT NULL DEFAULT 1.00 COMMENT '起购金额（元）',
    term_days               INT UNSIGNED    NULL COMMENT '产品期限（天），NULL=灵活开放',
    requires_disclosure     TINYINT(1)      NOT NULL DEFAULT 0 COMMENT '购买前需签署风险揭示书',
    industry_code           VARCHAR(16)     NULL,
    fee_rate                DECIMAL(6,4)    NULL,
    is_open                 TINYINT(1)      NOT NULL DEFAULT 1,
    created_at              DATETIME(3)     NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
    KEY idx_min_risk (min_risk_code),
    KEY idx_product_type (product_type),
    CONSTRAINT fk_product_risk FOREIGN KEY (min_risk_code) REFERENCES core_risk_grade(code),
    CONSTRAINT fk_product_industry FOREIGN KEY (industry_code) REFERENCES core_industry(industry_code)
) ENGINE=InnoDB COMMENT='产品主档';

CREATE TABLE core_holding (
    id              BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
    customer_id     VARCHAR(64)     NOT NULL,
    product_id      VARCHAR(64)     NOT NULL,
    qty             DECIMAL(18,4)   NOT NULL,
    cost_amount     DECIMAL(18,2)   NOT NULL,
    market_value    DECIMAL(18,2)   NOT NULL,
    pnl_pct         DECIMAL(8,4)    NOT NULL COMMENT '盈亏比例',
    as_of           DATE            NOT NULL,
    UNIQUE KEY uk_cust_product (customer_id, product_id),
    KEY idx_customer (customer_id),
    CONSTRAINT fk_hold_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
    CONSTRAINT fk_hold_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
) ENGINE=InnoDB COMMENT='持仓快照';

-- 交易流水（扩展 AML 字段 · 对齐反洗钱规则 RW-001~020）
CREATE TABLE core_trade (
    trade_id                VARCHAR(64)     NOT NULL PRIMARY KEY,
    customer_id             VARCHAR(64)     NOT NULL,
    product_id              VARCHAR(64)     NOT NULL,
    trade_type              ENUM('subscribe','redeem','convert') NOT NULL,
    amount                  DECIMAL(18,2)   NOT NULL,
    qty                     DECIMAL(18,4)   NULL,
    channel                 ENUM('online','mobile','counter','other') NOT NULL DEFAULT 'online',
    counterparty_account_mask VARCHAR(32)   NULL,
    counterparty_name       VARCHAR(64)     NULL,
    is_cash                 TINYINT(1)      NOT NULL DEFAULT 0,
    payer_name              VARCHAR(64)     NULL COMMENT '代付人（RW-014）',
    is_third_party_pay      TINYINT(1)      NOT NULL DEFAULT 0,
    trade_status            ENUM('confirmed','pending','cancelled') NOT NULL DEFAULT 'confirmed',
    traded_at               DATETIME(3)     NOT NULL,
    KEY idx_customer_time (customer_id, traded_at),
    KEY idx_amount (amount, traded_at),
    KEY idx_channel_time (channel, traded_at),
    CONSTRAINT fk_trade_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
    CONSTRAINT fk_trade_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
) ENGINE=InnoDB COMMENT='交易流水';

CREATE TABLE core_cash_flow (
    id                      BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
    customer_id             VARCHAR(64)     NOT NULL,
    flow_type               ENUM('in','out') NOT NULL,
    flow_subtype            ENUM('deposit','withdraw','transfer_in','transfer_out','subscribe','redeem','other') NOT NULL DEFAULT 'other',
    amount                  DECIMAL(18,2)   NOT NULL,
    channel                 ENUM('online','mobile','counter','other') NOT NULL DEFAULT 'online',
    counterparty_account_mask VARCHAR(32)   NULL,
    counterparty_name       VARCHAR(64)     NULL,
    remark                  VARCHAR(128)    NULL,
    occurred_at             DATETIME(3)     NOT NULL,
    KEY idx_customer (customer_id, occurred_at),
    KEY idx_flow_subtype (flow_subtype, occurred_at),
    CONSTRAINT fk_cf_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id)
) ENGINE=InnoDB COMMENT='资金进出';

CREATE TABLE core_product_nav (
    id              BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
    product_id      VARCHAR(64)     NOT NULL,
    nav             DECIMAL(10,4)   NOT NULL,
    daily_chg_pct   DECIMAL(8,4)    NOT NULL,
    nav_date        DATE            NOT NULL,
    UNIQUE KEY uk_product_date (product_id, nav_date),
    CONSTRAINT fk_nav_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
) ENGINE=InnoDB COMMENT='产品净值';