feat(api): 更新代销平台 API v0.1，增强适当性检查功能

- 在 `risk_suitability_log` 表中新增 `check_source` 枚举值 `platform`，支持代销平台的适当性检查。
- 更新相关 SQL 脚本以适应新的数据结构，确保数据一致性。
- 修改文档以反映 API 的最新状态和测试基线，确保文档与实现保持一致。
- 测试基线更新至 530 passed, 0 skipped，确保系统稳定性。

此更新为代销平台提供了更全面的适当性检查能力，提升了系统的功能性与可维护性。

scripts/dev/fix_utf8_seed.py

@@ -0,0 +1,111 @@
+"""Repair UTF-8 demo seed data (core display_name + risk_aml_list).
+
+Windows mysql CLI pipe may corrupt CJK; use SQLAlchemy + utf-8 file reads instead.
+Idempotent: safe to re-run after partial bootstrap.
+"""
+
+from __future__ import annotations
+
+import re
+import sys
+from pathlib import Path
+
+ROOT = Path(__file__).resolve().parents[2]
+if str(ROOT) not in sys.path:
+    sys.path.insert(0, str(ROOT))
+
+from sqlalchemy import text
+
+from app.config.settings import settings
+from app.utils.db import get_engine
+
+CUSTOMER_SEED = ROOT / "scripts/core/03-seed-customers.sql"
+AML_SEED = ROOT / "scripts/agent/seed-aml-list.sql"
+RISK_DEMO = ROOT / "scripts/demo/prepare_risk_demo.sql"
+
+_ROW_RE = re.compile(r"\('(CUST-[^']+)',\s*'([^']+)'")
+
+
+def _parse_customer_names() -> list[tuple[str, str]]:
+    content = CUSTOMER_SEED.read_text(encoding="utf-8")
+    block = content.split("INSERT INTO core_customer_risk")[0]
+    return _ROW_RE.findall(block)
+
+
+def _parse_aml_rows() -> list[dict[str, str]]:
+    content = AML_SEED.read_text(encoding="utf-8")
+    rows: list[dict[str, str]] = []
+    for m in re.finditer(
+        r"\('(AML-\d+)',\s*'(\w+)',\s*'([^']*)',\s*NULL,\s*NULL,\s*([\d.]+),\s*"
+        r"'([^']*)',\s*'([^']*)',\s*'(\d{4}-\d{2}-\d{2})'\)",
+        content,
+    ):
+        rows.append(
+            {
+                "list_id": m.group(1),
+                "list_type": m.group(2),
+                "full_name": m.group(3),
+                "match_threshold": m.group(4),
+                "source": m.group(5),
+                "list_version": m.group(6),
+                "effective_date": m.group(7),
+            }
+        )
+    if len(rows) != 8:
+        raise RuntimeError(f"expected 8 AML rows, parsed {len(rows)}")
+    return rows
+
+
+def _run_sql_file(engine, path: Path) -> None:
+    statements = [s.strip() for s in path.read_text(encoding="utf-8").split(";") if s.strip()]
+    with engine.begin() as conn:
+        for stmt in statements:
+            if stmt.upper().startswith("USE "):
+                continue
+            conn.execute(text(stmt))
+
+
+def main() -> None:
+    core = get_engine(settings.mysql_core_database)
+    agent = get_engine(settings.mysql_database)
+
+    names = _parse_customer_names()
+    with core.begin() as conn:
+        for customer_id, display_name in names:
+            conn.execute(
+                text("UPDATE core_customer SET display_name = :n WHERE customer_id = :id"),
+                {"id": customer_id, "n": display_name},
+            )
+    print(f"updated {len(names)} core_customer.display_name")
+
+    aml_rows = _parse_aml_rows()
+    with agent.begin() as conn:
+        conn.execute(text("DELETE FROM risk_aml_list"))
+        for row in aml_rows:
+            conn.execute(
+                text(
+                    """
+                    INSERT INTO risk_aml_list
+                    (list_id, list_type, full_name, id_no, bank_card_no,
+                     match_threshold, source, list_version, effective_date, is_active)
+                    VALUES
+                    (:list_id, :list_type, :full_name, NULL, NULL,
+                     :match_threshold, :source, :list_version, :effective_date, 1)
+                    """
+                ),
+                row,
+            )
+    print(f"reseeded {len(aml_rows)} risk_aml_list rows")
+
+    _run_sql_file(core, RISK_DEMO)
+    print("ran prepare_risk_demo.sql")
+
+    with core.connect() as conn:
+        sample = conn.execute(
+            text("SELECT customer_id, display_name FROM core_customer WHERE customer_id = 'CUST-3001'")
+        ).one()
+        print("verify CUST-3001:", sample)
+
+
+if __name__ == "__main__":
+    main()