Enhance suitability assessment and documentation
- Implemented `check_suitability` method in `CoreReadOnlyRepository` for suitability determination based on customer and product risk levels. - Added `build_suitability_log_row` function in `suitability.py` for mapping suitability check results to `risk_suitability_log`. - Updated `AGENTS.md`, `ENVIRONMENT.md`, and `FLOW.md` to reflect changes in suitability assessment processes and documentation. - Revised `FRAMEWORK.md` and `MEMORY.md` to clarify project structure and data flow related to suitability checks. - Expanded `TODO.md` with tasks related to logging and auditing suitability assessments.
This commit is contained in:
@@ -1,14 +1,14 @@
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USE jinrong_core;
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-- 客户风险等级 C1~C5
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-- 客户风险等级 C1~C5（对齐《适当性管理指南》第六条）
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INSERT INTO core_risk_grade (code, grade_type, display_name, sort_order) VALUES
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('C1', 'customer', '保守型 C1', 1),
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('C2', 'customer', '稳健型 C2', 2),
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('C3', 'customer', '平衡型 C3', 3),
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('C4', 'customer', '成长型 C4', 4),
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('C5', 'customer', '进取型 C5', 5);
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('C4', 'customer', '进取型 C4', 4),
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('C5', 'customer', '激进型 C5', 5);
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-- 产品风险等级 R1~R5
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-- 产品风险等级 R1~R5（对齐《适当性管理指南》第十一条）
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INSERT INTO core_risk_grade (code, grade_type, display_name, sort_order) VALUES
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('R1', 'product', '低风险 R1', 1),
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('R2', 'product', '中低风险 R2', 2),
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@@ -16,6 +16,14 @@ INSERT INTO core_risk_grade (code, grade_type, display_name, sort_order) VALUES
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('R4', 'product', '中高风险 R4', 4),
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('R5', 'product', '高风险 R5', 5);
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-- C×R 匹配矩阵（第十二条）
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INSERT INTO core_suitability_rule (customer_risk_code, product_risk_code, match_result) VALUES
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('C1', 'R1', 'allowed'), ('C1', 'R2', 'allowed'), ('C1', 'R3', 'forbidden'), ('C1', 'R4', 'forbidden'), ('C1', 'R5', 'forbidden'),
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('C2', 'R1', 'allowed'), ('C2', 'R2', 'allowed'), ('C2', 'R3', 'allowed'), ('C2', 'R4', 'forbidden'), ('C2', 'R5', 'forbidden'),
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('C3', 'R1', 'allowed'), ('C3', 'R2', 'allowed'), ('C3', 'R3', 'allowed'), ('C3', 'R4', 'allowed_with_disclosure'), ('C3', 'R5', 'forbidden'),
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('C4', 'R1', 'allowed'), ('C4', 'R2', 'allowed'), ('C4', 'R3', 'allowed'), ('C4', 'R4', 'allowed'), ('C4', 'R5', 'allowed_with_disclosure'),
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('C5', 'R1', 'allowed'), ('C5', 'R2', 'allowed'), ('C5', 'R3', 'allowed'), ('C5', 'R4', 'allowed'), ('C5', 'R5', 'allowed');
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INSERT INTO core_industry (industry_code, industry_name) VALUES
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('IND-BOND', '债券固收'),
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('IND-MIX', '混合平衡'),
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@@ -23,48 +31,42 @@ INSERT INTO core_industry (industry_code, industry_name) VALUES
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('IND-CONS', '消费'),
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('IND-MED', '医药健康'),
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('IND-INDEX', '宽基指数'),
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('IND-MONEY', '货币现金');
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('IND-MONEY', '货币现金'),
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('IND-WMGMT', '银行理财'),
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('IND-PRIV', '私募证券');
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-- ========== 内部员工 · RBAC 种子 ==========
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-- 5 理财代理人
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INSERT INTO core_staff (staff_id, display_name, staff_type, roles) VALUES
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('STAFF-10086', '张理财', 'advisor', '["advisor"]'),
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('STAFF-10087', '李顾问', 'advisor', '["advisor"]'),
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('STAFF-10088', '王经理', 'advisor', '["advisor"]'),
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('STAFF-10089', '赵专员', 'advisor', '["advisor"]'),
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('STAFF-10090', '刘助理', 'advisor', '["advisor"]');
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-- 2 数据分析员
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INSERT INTO core_staff (staff_id, display_name, staff_type, roles) VALUES
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('STAFF-10090', '刘助理', 'advisor', '["advisor"]'),
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('STAFF-20001', '陈分析', 'analyst', '["analyst"]'),
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('STAFF-20002', '周数据', 'analyst', '["analyst"]');
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-- 2 风控专员
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INSERT INTO core_staff (staff_id, display_name, staff_type, roles) VALUES
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('STAFF-20002', '周数据', 'analyst', '["analyst"]'),
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('STAFF-30001', '吴风控', 'risk_officer', '["risk_officer"]'),
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('STAFF-30002', '郑监测', 'risk_officer', '["risk_officer"]');
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-- 2 合规专员（兼 advisor 审计台场景用 compliance 单角色）
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INSERT INTO core_staff (staff_id, display_name, staff_type, roles) VALUES
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('STAFF-30002', '郑监测', 'risk_officer', '["risk_officer"]'),
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('STAFF-40001', '孙合规', 'compliance', '["compliance"]'),
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('STAFF-40002', '钱监察', 'compliance', '["compliance"]');
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-- 1 运营 + 1 双角色（代理人+合规，测权限并集与归属最窄）
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INSERT INTO core_staff (staff_id, display_name, staff_type, roles) VALUES
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('STAFF-40002', '钱监察', 'compliance', '["compliance"]'),
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('STAFF-50001', '冯运营', 'ops', '["ops"]'),
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('STAFF-10091', '双角色顾问', 'advisor', '["advisor", "compliance"]');
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-- ========== 产品 12 只 ==========
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INSERT INTO core_product (product_id, product_name, product_type, min_risk_code, industry_code, fee_rate) VALUES
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('PROD-110022', '稳健债基 A', 'bond', 'R1', 'IND-BOND', 0.0030),
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('PROD-110023', '信用债精选', 'bond', 'R2', 'IND-BOND', 0.0040),
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('PROD-005827', '平衡混合一号', 'mixed', 'R3', 'IND-MIX', 0.0150),
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('PROD-005828', '稳健增利混合', 'mixed', 'R2', 'IND-MIX', 0.0120),
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('PROD-161725', '科技成长主题', 'stock', 'R4', 'IND-TECH', 0.0150),
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('PROD-161726', '消费升级主题', 'stock', 'R4', 'IND-CONS', 0.0150),
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('PROD-003095', '医药健康精选', 'stock', 'R4', 'IND-MED', 0.0120),
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('PROD-510300', '沪深300指数', 'index', 'R3', 'IND-INDEX', 0.0050),
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('PROD-510500', '中证500指数', 'index', 'R4', 'IND-INDEX', 0.0060),
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('PROD-XYZ999', '进取成长五号', 'stock', 'R5', 'IND-TECH', 0.0180),
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('PROD-000001', '现金宝货币', 'money', 'R1', 'IND-MONEY', 0.0010),
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('PROD-000002', '同业存单基金', 'bond', 'R1', 'IND-BOND', 0.0020);
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-- ========== 产品 14 只（含起购/期限 · C-11） ==========
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INSERT INTO core_product (
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product_id, product_name, product_type, min_risk_code,
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min_subscribe_amount, term_days, requires_disclosure, industry_code, fee_rate
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) VALUES
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('PROD-110022', '稳健债基 A', 'bond', 'R1', 100.00, NULL, 0, 'IND-BOND', 0.0030),
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('PROD-110023', '信用债精选', 'bond', 'R2', 100.00, NULL, 0, 'IND-BOND', 0.0040),
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('PROD-005827', '平衡混合一号', 'mixed', 'R3', 100.00, NULL, 0, 'IND-MIX', 0.0150),
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('PROD-005828', '稳健增利混合', 'mixed', 'R2', 100.00, NULL, 0, 'IND-MIX', 0.0120),
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('PROD-161725', '科技成长主题', 'stock', 'R4', 100.00, NULL, 1, 'IND-TECH', 0.0150),
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('PROD-161726', '消费升级主题', 'stock', 'R4', 100.00, NULL, 1, 'IND-CONS', 0.0150),
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('PROD-003095', '医药健康精选', 'stock', 'R4', 100.00, NULL, 1, 'IND-MED', 0.0120),
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('PROD-510300', '沪深300指数', 'index', 'R3', 100.00, NULL, 0, 'IND-INDEX', 0.0050),
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('PROD-510500', '中证500指数', 'index', 'R4', 100.00, NULL, 1, 'IND-INDEX', 0.0060),
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('PROD-XYZ999', '进取成长五号', 'stock', 'R5', 100.00, NULL, 1, 'IND-TECH', 0.0180),
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('PROD-000001', '现金宝货币', 'money', 'R1', 1.00, NULL, 0, 'IND-MONEY', 0.0010),
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('PROD-000002', '同业存单基金', 'bond', 'R1', 100.00, NULL, 0, 'IND-BOND', 0.0020),
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('PROD-WMG001', '稳享180天理财', 'wealth_mgmt', 'R2', 200000.00, 180, 0, 'IND-WMGMT', 0.0035),
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('PROD-PRIV01', '量化中性私募一号', 'private_fund','R4', 1000000.00, NULL, 1, 'IND-PRIV', 0.0200);
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