2026-09-07 17:12:46 +08:00
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"""适当性判定 → risk_suitability_log 行映射（R-02 P0 契约）。"""
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from __future__ import annotations
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from typing import Any, Literal
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CheckSource = Literal["r02_trade", "r02_chat", "c11_inquiry", "manual"]
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2026-09-07 17:34:32 +08:00
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def compute_rule_refs(check: dict[str, Any]) -> list[str]:
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"""由 check 结果计算 rule_refs（JR-AST/FM 规则编号体系）。
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独立公共函数（AL-05 抽取，main 逻辑不变）：供 build_suitability_log_row
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落库与 service 层 SuitabilityResult.rule_refs 共用，避免两处漂移。
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"""
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rule_refs: list[str] = []
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mismatch_type = check.get("mismatch_type") or "not_found"
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if mismatch_type == "risk_level":
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rule_refs.append("JR-AST-012")
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if check.get("risk_is_expired") or mismatch_type == "risk_expired":
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rule_refs.append("FM-03")
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if check.get("needs_branch_confirm") or mismatch_type == "age_branch_confirm":
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rule_refs.append("FM-01")
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if mismatch_type == "professional_exempt":
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rule_refs.append("JR-AST-PRO")
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return rule_refs
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2026-09-07 17:12:46 +08:00
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def build_suitability_log_row(
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check: dict[str, Any],
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*,
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trace_id: str,
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actor_id: str,
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check_source: CheckSource = "r02_trade",
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request_ref: str | None = None,
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profile_l1_version: int | None = None,
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) -> dict[str, Any]:
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"""将 CoreReadOnlyRepository.check_suitability 结果转为 INSERT 用 dict。"""
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2026-09-07 17:34:32 +08:00
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rule_refs = compute_rule_refs(check)
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2026-09-07 17:12:46 +08:00
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match_result = check.get("match_result") or "forbidden"
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mismatch_type = check.get("mismatch_type") or "not_found"
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return {
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"trace_id": trace_id,
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"customer_id": check.get("customer_id") or "",
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"product_id": check.get("product_id") or "",
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"product_name": check.get("product_name"),
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"customer_risk_level": check.get("customer_risk_code") or "C1",
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"product_risk_level": check.get("product_risk_code") or "R1",
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"investor_category": check.get("investor_category") or "ordinary",
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"match_result": match_result,
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"mismatch_type": mismatch_type,
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"is_matched": 1 if check.get("matched") else 0,
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"is_blocked": 1 if check.get("blocked") else 0,
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"requires_disclosure": 1 if check.get("requires_disclosure") else 0,
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"needs_branch_confirm": 1 if check.get("needs_branch_confirm") else 0,
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"risk_was_expired": 1 if check.get("risk_is_expired") else 0,
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"block_reason": check.get("reason"),
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"block_response_code": check.get("block_response_code"),
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"check_source": check_source,
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"actor_id": actor_id,
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"request_ref": request_ref,
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"profile_l1_version": profile_l1_version,
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"rule_refs": rule_refs or None,
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}
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