group_xinghuo_jinrong/docs/course/jinrong-module-customer/modules/07-wave3-queries.html

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    <p class="eyebrow animate-in">模块 7 · Wave3 数据查询扩展</p>
    <h1 class="module-title animate-in">净值、阈值、匹配说明<br>关键词怎么分流？</h1>
    <p class="module-lead animate-in">
      2026-09-10 批次在持仓/流水/风评/适当性之外，又接了<strong>净值查询（C-05）</strong>、<strong>亏损阈值（C-04）</strong>和<strong>「我能买什么」（C-11）</strong>。
      指挥 AI 改意图时，先看<strong>关键词路由顺序</strong>——数据查询类必须优先于「帮我记住」类 save_note。
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      <h2>新增 intent 一览</h2>
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          <h3>C-05 · nav_query</h3>
          <p>「最新净值 / 单位净值 / 基金净值」→ Core 只读 <code>get_latest_nav</code>（快照）。<strong>「实时净值」</strong>仍走 <code>reject</code>（禁止实时盘口）。</p>
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          <h3>C-04 · 阈值提醒</h3>
          <p>用户说「亏 10% 提醒我」→ L1 槽 <code>threshold_pref_summary</code> + 写 <code>customer_threshold_config</code>；下次<strong>查持仓</strong>时组合加权盈亏达线 → 追加提醒 + <code>customer_notify_log</code>。</p>
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          <h3>C-11 · 匹配说明</h3>
          <p>「我能买什么 / 匹配产品 / 有哪些我能买」→ <code>suitability_check</code> + Core 可购列表。<strong>「推荐稳赚」</strong>仍 <code>reject</code>。</p>
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          <h3>C-07 · 风评重测</h3>
          <p>「重新测评 / 重做风评」扩进风评关键词 → 引导 App/网点；Agent 内<strong>不做</strong>问卷。</p>
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      <h2>关键词优先级（易踩坑）</h2>
      <p>客户线各分支 System Prompt 模板（<code>customer_prompts.py</code>）里 <code>keyword_route</code> 顺序：</p>
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          <span class="step-num">1</span>
          <p>转人工 / reject（实时净值、推荐稳赚等）</p>
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          <span class="step-num">2</span>
          <p><strong>数据查询</strong>：流水 · 风评 · 适当性 · 持仓（含「最近的流水」）</p>
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          <span class="step-num">3</span>
          <p><code>save_note</code>（「帮我记住…」——但不含上面已命中的数据词）</p>
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          <span class="step-num">4</span>
          <p>匹配说明 · 净值查询</p>
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        <strong>回归用例：</strong> 「帮我记住最近的流水」必须走 <code>transaction_query</code>，不能误进 save_note——见 <code>test_wave5_notes.py</code>。
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          <span class="translation-label">C-04 · 亏损阈值服务（threshold_service.py）</span>
          <pre><code><span class="code-line"><span class="code-comment"># 画像抽槽 → sync_threshold_from_summary</span></span>
<span class="code-line"><span class="code-comment"># query_holdings 末尾 → build_threshold_alert</span></span>
<span class="code-line"><span class="code-keyword">if</span> loss_pct >= threshold:</span>
<span class="code-line">    append alert + insert_notify_log</span></code></pre>
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          <span class="translation-label">白话</span>
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            <p class="tl">阈值不是 push 通知——只有客户<strong>再来问持仓</strong>时才 inline 提醒。</p>
            <p class="tl">组合盈亏按持仓<strong>市值加权</strong>算，不是单只基金。</p>
            <p class="tl">改阈值：口述新比例 → 画像摘要更新 → config upsert。</p>
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      <h2>1B 仍覆盖 nav_query</h2>
      <p>违禁词扫描后的分治（<code>sanitize_postprocess.py</code>）把 <code>nav_query</code> 算进数据查询 intent——interpret 嘴瓢时仍回退 Core <code>fact_text</code>。</p>

      <div class="quiz-container" id="quiz-customer-m7">
        <div class="quiz-question-block"
             data-correct="option-b"
             data-explanation-right="对。C-05 走 Core 最新净值快照；「实时净值」是 reject 关键词，不是 nav_query。"
             data-explanation-wrong="实时盘口/爬虫不在一期范围；见 C-05 选型文档。">
          <h3 class="quiz-question">客户问「这只基金实时净值多少」，系统怎么走？</h3>
          <div class="quiz-options">
            <button class="quiz-option" data-value="option-a" onclick="selectOption(this)">
              <div class="quiz-option-radio"></div><span>nav_query → Core get_latest_nav</span>
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            <button class="quiz-option" data-value="option-b" onclick="selectOption(this)">
              <div class="quiz-option-radio"></div><span>reject · 实时净值禁止</span>
            </button>
            <button class="quiz-option" data-value="option-c" onclick="selectOption(this)">
              <div class="quiz-option-radio"></div><span>RAG fin_product 查费率</span>
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          <div class="quiz-feedback"></div>
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        <button class="quiz-check-btn" onclick="checkQuiz('quiz-customer-m7')">检查答案</button>
        <button class="quiz-reset-btn" onclick="resetQuiz('quiz-customer-m7')">重做</button>
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      <p class="module-footer-note">相关文件：客户线意图模板（<code>customer_prompts.py</code>）· Core 只读 Tool（<code>core_ro_tool.py</code>）· 阈值服务（<code>threshold_service.py</code>）· 测试 <code>test_threshold_service.py</code> · <code>test_wave2_prompts.py</code></p>
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