group_xinghuo_jinrong/tests/test_suitability.py

"""suitability 单测（AL-07 · main 矩阵契约重写，验收 A-8 等价）。

覆盖（依据 docs/项目框架设计/修改报告-对齐main基准.md AL-05/AL-07）：
- 七判定路径各正反例：not_found / risk_expired(FM-03) / professional_exempt
  (JR-AST-PRO) / 矩阵 forbidden(JR-AST-012) / allowed / allowed_with_disclosure /
  age_branch_confirm(FM-01)
- build_suitability_log_row 逐字段映射 + rule_refs 组合（过期+等级不匹配 →
  ["JR-AST-012","FM-03"]）
- suitability_check 服务集成（21 列落库 / check_source / actor_id / request_ref /
  NotFound 结构化不抛）
- sqlite/MySQL 双方言：sqlite 可控日期全路径；MySQL 真库连通时跑方言冒烟
  （SQL 可执行性），未灌库自动 skip。

旧 SUIT-001~008 断言已作废（SUIT-006 封顶 → FM-01；SUIT-008 → FM-03）。
"""

import pytest
from sqlalchemy import text

from _ddl import create_sqlite_engine, seed_suitability_matrix
from app.config.settings import settings
from app.model.suitability import build_suitability_log_row, compute_rule_refs
from app.repository.core_ro import CoreReadOnlyRepository
from app.repository.risk_repository import RiskRepository
from app.service.suitability import SuitabilityResult, suitability_check
from app.utils.db import get_engine

FUTURE = "2099-12-31"  # 远未来：未过期（可控日期，不依赖 today 注入）
PAST = "2020-01-01"  # 远过去：已过期


@pytest.fixture()
def env():
    engine = create_sqlite_engine()
    seed_suitability_matrix(engine)
    core = CoreReadOnlyRepository(engine=engine)
    repo = RiskRepository(engine=engine)
    yield engine, core, repo
    engine.dispose()


def _seed_customer(engine, cid, age, risk_code, expires=FUTURE, category="ordinary"):
    with engine.begin() as conn:
        conn.execute(
            text(
                "INSERT INTO core_customer (customer_id, display_name, age, is_active)"
                " VALUES (:cid, '客户·测**', :age, 1)"
            ),
            {"cid": cid, "age": age},
        )
        conn.execute(
            text(
                "INSERT INTO core_customer_risk (customer_id, risk_code, evaluated_at,"
                " expires_at, investor_category)"
                " VALUES (:cid, :rc, '2026-01-01', :exp, :cat)"
            ),
            {"cid": cid, "rc": risk_code, "exp": expires, "cat": category},
        )


def _seed_product(engine, pid, risk_code, requires_disclosure=0, min_subscribe=100):
    with engine.begin() as conn:
        conn.execute(
            text(
                "INSERT INTO core_product (product_id, product_name, min_risk_code,"
                " product_type, min_subscribe_amount, term_days, requires_disclosure)"
                " VALUES (:pid, '测试产品', :rc, 'fund', :sub, NULL, :disc)"
            ),
            {"pid": pid, "rc": risk_code, "sub": min_subscribe, "disc": requires_disclosure},
        )


# ---------- 七判定路径 ----------


class TestSevenPaths:
    def test_not_found_customer(self, env):
        engine, core, _ = env
        _seed_product(engine, "P1", "R3")
        r = core.check_suitability("CUST-NOPE", "P1")
        assert r["mismatch_type"] == "not_found"
        assert r["match_result"] == "forbidden" and r["blocked"] is True
        assert r["block_response_code"] == "SUIT_NOT_FOUND"

    def test_not_found_product(self, env):
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C3")
        r = core.check_suitability("C1X", "P-NOPE")
        assert r["mismatch_type"] == "not_found" and r["blocked"] is True

    def test_risk_expired(self, env):
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C3", expires=PAST)
        _seed_product(engine, "P1", "R1")  # 即使 R1 全匹配也先命中过期（FM-03 判定在前）
        r = core.check_suitability("C1X", "P1")
        assert r["match_result"] == "risk_expired"
        assert r["blocked"] is True and r["block_response_code"] == "SUIT_RISK_EXPIRED"
        assert r["risk_is_expired"] is True

    def test_professional_exempt(self, env):
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C2", category="professional")
        _seed_product(engine, "P1", "R5")  # C2 买 R5 矩阵 forbidden，专业豁免优先
        r = core.check_suitability("C1X", "P1")
        assert r["match_result"] == "professional_exempt"
        assert r["blocked"] is False and r["matched"] is True
        assert r["block_response_code"] == "SUIT_PROFESSIONAL_EXEMPT"

    def test_matrix_forbidden(self, env):
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C1")
        _seed_product(engine, "P1", "R4")  # C1×R4 矩阵 forbidden
        r = core.check_suitability("C1X", "P1")
        assert r["match_result"] == "forbidden" and r["mismatch_type"] == "risk_level"
        assert r["blocked"] is True and r["block_response_code"] == "SUIT_RISK_MISMATCH"

    def test_matrix_missing_row_is_forbidden(self, env):
        """矩阵无记录（数据缺口）→ 与 forbidden 同处置（fail-closed）。"""
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C1")
        _seed_product(engine, "P9", "R9")  # C1×R9 无矩阵行
        r = core.check_suitability("C1X", "P9")
        assert r["match_result"] == "forbidden" and r["mismatch_type"] == "risk_level"

    def test_allowed(self, env):
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C2")
        _seed_product(engine, "P1", "R2")  # C2×R2 allowed
        r = core.check_suitability("C1X", "P1")
        assert r["match_result"] == "allowed"
        assert r["blocked"] is False and r["matched"] is True
        assert r["block_response_code"] == "SUIT_OK" and r["requires_disclosure"] is False

    def test_allowed_with_disclosure_by_matrix(self, env):
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C3")
        _seed_product(engine, "P1", "R4", requires_disclosure=0)  # C3×R4 矩阵要求披露
        r = core.check_suitability("C1X", "P1")
        assert r["match_result"] == "allowed_with_disclosure"
        assert r["requires_disclosure"] is True and r["blocked"] is False
        assert r["block_response_code"] == "SUIT_NEED_DISCLOSURE"

    def test_allowed_with_disclosure_by_product(self, env):
        """矩阵 allowed 但产品 requires_disclosure=1 → 同样要求披露。"""
        engine, core, _ = env
        _seed_customer(engine, "C1X", 40, "C2")
        _seed_product(engine, "P1", "R2", requires_disclosure=1)  # C2×R2 allowed + 产品要求披露
        r = core.check_suitability("C1X", "P1")
        assert r["match_result"] == "allowed_with_disclosure"
        assert r["requires_disclosure"] is True

    def test_age_branch_confirm(self, env):
        """FM-01（main 语义，替换 SUIT-006 封顶）：≥70 买 R3+ 阻断待网点确认。"""
        engine, core, _ = env
        _seed_customer(engine, "OLD", 70, "C5")
        _seed_product(engine, "P1", "R5")  # C5×R5 矩阵 allowed，但年龄触发 FM-01
        r = core.check_suitability("OLD", "P1")
        assert r["match_result"] == "allowed"  # C5×R5 矩阵层 allowed（披露属 C3×R4/C4×R5）
        assert r["needs_branch_confirm"] is True and r["blocked"] is True
        assert r["mismatch_type"] == "age_branch_confirm"
        assert r["block_response_code"] == "SUIT_AGE_CONFIRM"

    def test_age_69_no_confirm(self, env):
        engine, core, _ = env
        _seed_customer(engine, "MID", 69, "C5")
        _seed_product(engine, "P1", "R5")
        r = core.check_suitability("MID", "P1")
        assert r["needs_branch_confirm"] is False and r["blocked"] is False

    def test_age_70_r2_no_confirm(self, env):
        """70 岁买 R2（<R3）不触发 FM-01。"""
        engine, core, _ = env
        _seed_customer(engine, "OLD", 72, "C5")
        _seed_product(engine, "P2", "R2")
        r = core.check_suitability("OLD", "P2")
        assert r["needs_branch_confirm"] is False and r["blocked"] is False


# ---------- rule_refs 组合（AL-04 验收） ----------


class TestRuleRefs:
    def test_expired_plus_mismatch(self):
        """报告验收样例：过期+等级不匹配 → ["JR-AST-012","FM-03"]。"""
        refs = compute_rule_refs(
            {"match_result": "forbidden", "mismatch_type": "risk_level", "risk_is_expired": True}
        )
        assert refs == ["JR-AST-012", "FM-03"]

    def test_age_confirm(self):
        refs = compute_rule_refs({"mismatch_type": "age_branch_confirm", "needs_branch_confirm": True})
        assert refs == ["FM-01"]

    def test_professional(self):
        refs = compute_rule_refs({"mismatch_type": "professional_exempt"})
        assert refs == ["JR-AST-PRO"]

    def test_clean_pass_empty(self):
        refs = compute_rule_refs({"match_result": "allowed", "mismatch_type": "none"})
        assert refs == []


# ---------- build_suitability_log_row 逐字段映射 ----------


class TestLogRowMapping:
    CHECK = {
        "customer_id": "CUST-1",
        "product_id": "PROD-1",
        "product_name": "测试产品",
        "customer_risk_code": "C2",
        "product_risk_code": "R4",
        "investor_category": "ordinary",
        "matched": False,
        "blocked": True,
        "requires_disclosure": False,
        "needs_branch_confirm": False,
        "risk_is_expired": True,
        "reason": "风评已过期（FM-03），须重新测评",
        "block_response_code": "SUIT_RISK_EXPIRED",
        "match_result": "risk_expired",
        "mismatch_type": "risk_expired",
    }

    def test_full_row_mapping(self):
        row = build_suitability_log_row(
            self.CHECK,
            trace_id="trc-1",
            actor_id="CUST-1",
            check_source="r02_chat",
            request_ref="sess-1",
            profile_l1_version=3,
        )
        assert row["trace_id"] == "trc-1"
        assert row["customer_id"] == "CUST-1" and row["product_id"] == "PROD-1"
        assert row["product_name"] == "测试产品"
        assert row["customer_risk_level"] == "C2" and row["product_risk_level"] == "R4"
        assert row["investor_category"] == "ordinary"
        assert row["match_result"] == "risk_expired"
        assert row["mismatch_type"] == "risk_expired"
        assert row["is_matched"] == 0 and row["is_blocked"] == 1
        assert row["requires_disclosure"] == 0 and row["needs_branch_confirm"] == 0
        assert row["risk_was_expired"] == 1
        assert row["block_reason"] == "风评已过期（FM-03），须重新测评"
        assert row["block_response_code"] == "SUIT_RISK_EXPIRED"
        assert row["check_source"] == "r02_chat"
        assert row["actor_id"] == "CUST-1"
        assert row["request_ref"] == "sess-1"
        assert row["profile_l1_version"] == 3
        assert row["rule_refs"] == ["FM-03"]

    def test_bool_to_int_conversion(self):
        row = build_suitability_log_row(
            {
                **self.CHECK,
                "matched": True,
                "blocked": False,
                "risk_is_expired": False,
                "mismatch_type": "none",  # or 语义：仅 mismatch_type 同为非过期才无 refs
                "match_result": "allowed",
            },
            trace_id="t", actor_id="a",
        )
        assert row["is_matched"] == 1 and row["is_blocked"] == 0
        assert row["risk_was_expired"] == 0 and row["rule_refs"] is None


# ---------- 服务集成（签名兼容 + 落库 + NotFound 结构化） ----------


class TestService:
    def test_service_end_to_end_log_written(self, env):
        engine, core, repo = env
        _seed_customer(engine, "C1X", 40, "C1")
        _seed_product(engine, "P1", "R4")
        r = suitability_check(
            "C1X", "P1", core_ro=core, risk_repo=repo,
            check_source="r02_trade", actor_id="svc-trade-suitability", request_ref="TRD-1",
        )
        assert isinstance(r, SuitabilityResult)
        assert r.blocked is True and r.block_response_code == "SUIT_RISK_MISMATCH"
        assert r.rule_refs == ["JR-AST-012"]
        # 兼容字段映射
        assert r.rule_id == "SUIT_RISK_MISMATCH"
        assert r.customer_level == "C1" and r.product_level == "R4"
        assert r.effective_level == r.customer_level
        assert r.reasons == ["客户风险等级与产品最低等级不匹配"]
        with engine.connect() as conn:
            row = conn.execute(
                text(
                    "SELECT match_result, block_response_code, check_source, actor_id,"
                    " request_ref, rule_refs FROM risk_suitability_log"
                )
            ).first()
        assert row[0] == "forbidden" and row[1] == "SUIT_RISK_MISMATCH"
        assert row[2] == "r02_trade" and row[3] == "svc-trade-suitability"
        assert row[4] == "TRD-1" and row[5] == '["JR-AST-012"]'

    def test_service_not_found_does_not_raise(self, env):
        """AL-05 语义变更：客户缺失不抛 LookupError，返回结构化 not_found。"""
        engine, core, repo = env
        _seed_product(engine, "P1", "R3")
        r = suitability_check("CUST-NOPE", "P1", core_ro=core, risk_repo=repo)
        assert r.mismatch_type == "not_found" and r.blocked is True
        assert r.block_response_code == "SUIT_NOT_FOUND"

    def test_service_tool_source_r02_chat(self, env):
        """对话 Tool 链路 check_source='r02_chat'（AL-06）。"""
        engine, core, repo = env
        _seed_customer(engine, "C1X", 40, "C2")
        _seed_product(engine, "P1", "R2")
        suitability_check("C1X", "P1", core_ro=core, risk_repo=repo, check_source="r02_chat")
        with engine.connect() as conn:
            src = conn.execute(text("SELECT check_source FROM risk_suitability_log")).scalar_one()
        assert src == "r02_chat"


# ---------- MySQL 方言冒烟（真库连通才跑，SQL 可执行性验收） ----------


class TestMySQLDialect:
    def test_check_suitability_executes_on_mysql(self):
        """check_suitability SQL 在 MySQL 真库可执行（AL-03 双方言验收；CURDATE 已移除）。"""
        try:
            core = CoreReadOnlyRepository()  # 默认引擎（MySQL）
            with core._engine.connect() as conn:
                conn.execute(text("SELECT 1"))
        except Exception:
            pytest.skip("MySQL 真库不可达，方言冒烟跳过")
        r = core.check_suitability("CUST-NOPE", "PROD-NOPE")
        assert r["mismatch_type"] == "not_found" and r["blocked"] is True
        l0 = core.get_customer_l0("CUST-NOPE")
        assert l0 is None