-- jinrong_core 表结构 · 对齐客户资料（用户信息示例 / 适当性指南 / AML 规则） USE jinrong_core; -- 风险等级字典（客户 C1~C5 · 产品 R1~R5） CREATE TABLE core_risk_grade ( code VARCHAR(4) NOT NULL PRIMARY KEY COMMENT 'C1~C5 或 R1~R5', grade_type ENUM('customer','product') NOT NULL, display_name VARCHAR(32) NOT NULL, sort_order TINYINT UNSIGNED NOT NULL ) ENGINE=InnoDB COMMENT='风险等级字典'; CREATE TABLE core_industry ( industry_code VARCHAR(16) NOT NULL PRIMARY KEY, industry_name VARCHAR(64) NOT NULL ) ENGINE=InnoDB COMMENT='行业分类'; -- C×R 适当性匹配矩阵（《个人投资者适当性管理指南》第十二条） CREATE TABLE core_suitability_rule ( id TINYINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, customer_risk_code CHAR(2) NOT NULL COMMENT 'C1~C5', product_risk_code CHAR(2) NOT NULL COMMENT 'R1~R5', match_result ENUM('allowed','allowed_with_disclosure','forbidden') NOT NULL, rule_ref VARCHAR(32) NOT NULL DEFAULT 'JR-AST-012', UNIQUE KEY uk_cx_r (customer_risk_code, product_risk_code), CONSTRAINT fk_suit_cust_risk FOREIGN KEY (customer_risk_code) REFERENCES core_risk_grade(code), CONSTRAINT fk_suit_prod_risk FOREIGN KEY (product_risk_code) REFERENCES core_risk_grade(code) ) ENGINE=InnoDB COMMENT='适当性匹配规则（L0 权威）'; -- 内部员工（含 RBAC 角色种子，供 JWT/鉴权联调对照） CREATE TABLE core_staff ( staff_id VARCHAR(64) NOT NULL PRIMARY KEY, display_name VARCHAR(64) NOT NULL, staff_type ENUM('advisor','analyst','risk_officer','compliance','ops') NOT NULL, roles JSON NOT NULL COMMENT 'JWT roles 数组，如 ["advisor"]', tenant_id VARCHAR(32) NOT NULL DEFAULT 'TENANT-001', is_active TINYINT(1) NOT NULL DEFAULT 1, created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3) ) ENGINE=InnoDB COMMENT='内部员工主档（模拟 IdP 账号源）'; -- 客户主档 L0（KYC + 财务概况 · 对齐用户信息数据示例） CREATE TABLE core_customer ( customer_id VARCHAR(64) NOT NULL PRIMARY KEY, display_name VARCHAR(64) NOT NULL COMMENT '脱敏展示名', gender ENUM('M','F','U') NOT NULL DEFAULT 'U', birth_date DATE NULL, age TINYINT UNSIGNED NULL, id_no_mask VARCHAR(32) NULL COMMENT '310101199903XXXXXX', occupation VARCHAR(64) NULL, employer VARCHAR(128) NULL, education ENUM('high_school','associate','bachelor','master','doctor','other') NULL, marital_status ENUM('single','married','widowed','divorced','other') NULL, city VARCHAR(64) NULL, address_mask VARCHAR(256) NULL, phone_mask VARCHAR(16) NULL, email_mask VARCHAR(64) NULL, annual_income DECIMAL(18,2) NULL COMMENT '家庭年收入（元）', financial_asset DECIMAL(18,2) NULL COMMENT '金融资产规模（不含房产）', monthly_investable DECIMAL(18,2) NULL COMMENT '月可投资金额', is_hnw TINYINT(1) NOT NULL DEFAULT 0 COMMENT '高净值客户', service_tier ENUM('normal','vip','diamond') NOT NULL DEFAULT 'normal', is_pep TINYINT(1) NOT NULL DEFAULT 0 COMMENT '政治公众人物', aml_risk_level ENUM('low','medium','high') NOT NULL DEFAULT 'low', invest_experience_years TINYINT UNSIGNED NULL, first_invest_date DATE NULL, tenant_id VARCHAR(32) NOT NULL DEFAULT 'TENANT-001', open_date DATE NOT NULL, is_active TINYINT(1) NOT NULL DEFAULT 1, created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3), KEY idx_service_tier (service_tier), KEY idx_hnw (is_hnw), KEY idx_aml (aml_risk_level) ) ENGINE=InnoDB COMMENT='客户主档 L0 · KYC'; -- 正式风险测评 L0（对齐适当性指南 16 题问卷 + FM-03 风评过期） CREATE TABLE core_customer_risk ( id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, customer_id VARCHAR(64) NOT NULL, risk_code CHAR(2) NOT NULL COMMENT 'C1~C5', questionnaire_score SMALLINT UNSIGNED NULL COMMENT '问卷总分 20-100', max_loss_tolerance_pct DECIMAL(5,2) NULL COMMENT '最大可承受亏损比例', investment_goal VARCHAR(128) NULL, investment_horizon ENUM('short','medium','long','flexible') NULL, investor_category ENUM('ordinary','professional','professional_pending') NOT NULL DEFAULT 'ordinary', professional_approved_at DATE NULL, is_authoritative TINYINT(1) NOT NULL DEFAULT 1, evaluated_at DATE NOT NULL, expires_at DATE NOT NULL COMMENT '风评有效期（通常 evaluated_at+12 月）', source VARCHAR(32) NOT NULL DEFAULT 'risk_questionnaire', UNIQUE KEY uk_customer_current (customer_id), KEY idx_risk (risk_code), KEY idx_expires (expires_at), KEY idx_investor_cat (investor_category), CONSTRAINT fk_cust_risk_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id), CONSTRAINT fk_cust_risk_code FOREIGN KEY (risk_code) REFERENCES core_risk_grade(code) ) ENGINE=InnoDB COMMENT='客户正式风险测评 L0'; CREATE TABLE core_customer_advisor ( id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, customer_id VARCHAR(64) NOT NULL, advisor_id VARCHAR(64) NOT NULL COMMENT '对应 core_staff.staff_id', rel_status ENUM('active','transferred','closed') NOT NULL DEFAULT 'active', effective_from DATE NOT NULL, effective_to DATE NULL, UNIQUE KEY uk_cust_advisor_from (customer_id, advisor_id, effective_from), KEY idx_advisor (advisor_id, rel_status), CONSTRAINT fk_ca_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id), CONSTRAINT fk_ca_advisor FOREIGN KEY (advisor_id) REFERENCES core_staff(staff_id) ) ENGINE=InnoDB COMMENT='客户-代理人归属'; -- 产品主档（对齐 C-11：风险等级 + 期限 + 起购金额） CREATE TABLE core_product ( product_id VARCHAR(64) NOT NULL PRIMARY KEY, product_name VARCHAR(128) NOT NULL, product_type ENUM( 'money','bond','mixed','stock','index', 'wealth_mgmt','private_fund','insurance','structured' ) NOT NULL, min_risk_code CHAR(2) NOT NULL COMMENT 'R1~R5 最低适配', min_subscribe_amount DECIMAL(18,2) NOT NULL DEFAULT 1.00 COMMENT '起购金额（元）', term_days INT UNSIGNED NULL COMMENT '产品期限（天），NULL=灵活开放', requires_disclosure TINYINT(1) NOT NULL DEFAULT 0 COMMENT '购买前需签署风险揭示书', industry_code VARCHAR(16) NULL, fee_rate DECIMAL(6,4) NULL COMMENT '历史费率展示位（换算逻辑不读；申购费率见 subscribe_fee_rate）', -- ===== 基金转换（convert）扩展列 · T-1 ===== can_subscribe TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否可申购（转换转入前置校验）', can_redeem TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否可赎回（转换转出前置校验）', min_hold_qty DECIMAL(18,4) NOT NULL DEFAULT 0 COMMENT '最低持有份额阈值', min_redeem_qty DECIMAL(18,4) NOT NULL DEFAULT 0 COMMENT '最低赎回份额', min_hold_action VARCHAR(32) NOT NULL DEFAULT 'force_transfer' COMMENT '低于 min_hold_qty 的动作：force_transfer=强制全转 / force_redeem=强制赎回剩余；用 VARCHAR 非 ENUM，加动作免 ALTER', subscribe_fee_rate DECIMAL(6,4) NOT NULL DEFAULT 0 COMMENT '申购费率（补差费计算源，价外法）。22 号文 §8 上限：指数/债券 ≤0.0030、其他混合 ≤0.0050、主动偏股 ≤0.0080、货基 0', fund_company VARCHAR(64) NULL COMMENT '基金管理人（同一笔转换需同管理人）', ta_code VARCHAR(32) NULL COMMENT '注册登记机构代码（同一笔转换需同 TA）', is_open TINYINT(1) NOT NULL DEFAULT 1, created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3), KEY idx_min_risk (min_risk_code), KEY idx_product_type (product_type), CONSTRAINT fk_product_risk FOREIGN KEY (min_risk_code) REFERENCES core_risk_grade(code), CONSTRAINT fk_product_industry FOREIGN KEY (industry_code) REFERENCES core_industry(industry_code) ) ENGINE=InnoDB COMMENT='产品主档'; CREATE TABLE core_holding ( id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, customer_id VARCHAR(64) NOT NULL, product_id VARCHAR(64) NOT NULL, qty DECIMAL(18,4) NOT NULL, cost_amount DECIMAL(18,2) NOT NULL, market_value DECIMAL(18,2) NOT NULL, pnl_pct DECIMAL(8,4) NOT NULL COMMENT '盈亏比例', as_of DATE NOT NULL, UNIQUE KEY uk_cust_product (customer_id, product_id), KEY idx_customer (customer_id), CONSTRAINT fk_hold_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id), CONSTRAINT fk_hold_product FOREIGN KEY (product_id) REFERENCES core_product(product_id) ) ENGINE=InnoDB COMMENT='持仓快照'; -- 交易流水（扩展 AML 字段 · 对齐反洗钱规则 RW-001~020） CREATE TABLE core_trade ( trade_id VARCHAR(64) NOT NULL PRIMARY KEY, customer_id VARCHAR(64) NOT NULL, product_id VARCHAR(64) NOT NULL, trade_type ENUM('subscribe','redeem','convert') NOT NULL, amount DECIMAL(18,2) NOT NULL, qty DECIMAL(18,4) NULL, convert_group_id VARCHAR(64) NULL COMMENT '基金转换组 ID：同组两条流水（转出 redeem / 转入 subscribe）共享；非 convert 场景为 NULL', channel ENUM('online','mobile','counter','other') NOT NULL DEFAULT 'online', counterparty_account_mask VARCHAR(32) NULL, counterparty_name VARCHAR(64) NULL, is_cash TINYINT(1) NOT NULL DEFAULT 0, payer_name VARCHAR(64) NULL COMMENT '代付人（RW-014）', is_third_party_pay TINYINT(1) NOT NULL DEFAULT 0, trade_status ENUM('confirmed','pending','cancelled') NOT NULL DEFAULT 'confirmed', traded_at DATETIME(3) NOT NULL, KEY idx_customer_time (customer_id, traded_at), KEY idx_convert_group (convert_group_id), KEY idx_amount (amount, traded_at), KEY idx_channel_time (channel, traded_at), CONSTRAINT fk_trade_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id), CONSTRAINT fk_trade_product FOREIGN KEY (product_id) REFERENCES core_product(product_id) ) ENGINE=InnoDB COMMENT='交易流水'; CREATE TABLE core_cash_flow ( id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, customer_id VARCHAR(64) NOT NULL, flow_type ENUM('in','out') NOT NULL, flow_subtype ENUM('deposit','withdraw','transfer_in','transfer_out','subscribe','redeem','other') NOT NULL DEFAULT 'other', amount DECIMAL(18,2) NOT NULL, channel ENUM('online','mobile','counter','other') NOT NULL DEFAULT 'online', counterparty_account_mask VARCHAR(32) NULL, counterparty_name VARCHAR(64) NULL, remark VARCHAR(128) NULL, occurred_at DATETIME(3) NOT NULL, KEY idx_customer (customer_id, occurred_at), KEY idx_flow_subtype (flow_subtype, occurred_at), CONSTRAINT fk_cf_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id) ) ENGINE=InnoDB COMMENT='资金进出'; CREATE TABLE core_product_nav ( id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, product_id VARCHAR(64) NOT NULL, nav DECIMAL(10,4) NOT NULL, daily_chg_pct DECIMAL(8,4) NOT NULL, nav_date DATE NOT NULL, UNIQUE KEY uk_product_date (product_id, nav_date), CONSTRAINT fk_nav_product FOREIGN KEY (product_id) REFERENCES core_product(product_id) ) ENGINE=InnoDB COMMENT='产品净值'; -- ============================================================ -- 基金转换（convert）新增表 · T-1（2026-09-10） -- 依据：docs/PRD/PRD-基金转换交易.md §4.1 · 架构设计-基金转换交易.md §9 -- ============================================================ -- 费率规则：redeem 按持有期分档（本期启用）；subscribe 金额分档为真实 Core 接入扩展位（本期不启用） CREATE TABLE core_fee_rule ( id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, product_id VARCHAR(64) NOT NULL, fee_type ENUM('subscribe','redeem') NOT NULL, min_hold_days INT NULL COMMENT 'redeem：持有期下界（含）', max_hold_days INT NULL COMMENT 'redeem：持有期上界（不含）；NULL=无上限', min_amount DECIMAL(18,2) NULL COMMENT 'subscribe：金额下界（含）；本期不启用', max_amount DECIMAL(18,2) NULL COMMENT 'subscribe：金额上界（不含）；本期不启用', rate DECIMAL(6,4) NOT NULL COMMENT '费率；redeem 档位按 22 号文 §10 下限（<7d 1.5% / 7-30d 1% / 30-180d 0.5% / ≥180d 合同约定）', to_fund_ratio DECIMAL(5,4) NOT NULL DEFAULT 1.0000 COMMENT '赎回费计入基金财产比例。22 号文 §10：赎回费全额计入基金财产 → 恒 1.0（旧规 75%/50%/25% 分级已废止）。本期仅留痕、不参与计算', KEY idx_product_type (product_id, fee_type), CONSTRAINT fk_fee_rule_product FOREIGN KEY (product_id) REFERENCES core_product(product_id) ) ENGINE=InnoDB COMMENT='费率规则（赎回费分档 / 申购费扩展位）'; -- 份额批次：FIFO 计费的权威源（普通申赎无批次时由 lot_bootstrap 兜底补建，D8/D18） CREATE TABLE core_share_lot ( lot_id VARCHAR(64) NOT NULL PRIMARY KEY, customer_id VARCHAR(64) NOT NULL, product_id VARCHAR(64) NOT NULL, qty DECIMAL(18,4) NOT NULL COMMENT '原始份额', remain_qty DECIMAL(18,4) NOT NULL COMMENT '剩余份额（FIFO 扣减后；归零保留行不删，保可追溯）', nav DECIMAL(10,4) NOT NULL COMMENT '成交净值', confirmed_at DATETIME(3) NOT NULL COMMENT '份额确认时间（持有期自 T+1 起算，D14）', source_trade_id VARCHAR(64) NULL COMMENT '来源流水（兜底补建时为 NULL）', created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3), KEY idx_cust_prod_time (customer_id, product_id, confirmed_at), CONSTRAINT fk_lot_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id), CONSTRAINT fk_lot_product FOREIGN KEY (product_id) REFERENCES core_product(product_id) ) ENGINE=InnoDB COMMENT='份额批次（FIFO 计费权威源）'; -- 转换批次计费明细：含 nav/nav_date 使 Core 侧自包含，供 rebuild_alerts 补偿（D6） CREATE TABLE core_convert_lot_detail ( id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY, convert_group_id VARCHAR(64) NOT NULL, lot_id VARCHAR(64) NOT NULL COMMENT '被扣减的原批次（对应 core_share_lot.lot_id）', qty DECIMAL(18,4) NOT NULL COMMENT '本批转出份额', hold_days INT NOT NULL COMMENT '本批持有天数（自然日，不含申请日）', amount DECIMAL(18,2) NOT NULL COMMENT '本批金额（已按 2 位四舍五入）', fee_rate DECIMAL(6,4) NOT NULL COMMENT '本批适用费率', fee_amount DECIMAL(18,2) NOT NULL COMMENT '本批费用（已按 2 位四舍五入）', nav DECIMAL(10,4) NOT NULL COMMENT '本批成交净值', nav_date DATE NOT NULL COMMENT '净值日期', created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3), KEY idx_group (convert_group_id), KEY idx_lot (lot_id) ) ENGINE=InnoDB COMMENT='转换批次计费明细（Core 侧自包含，补偿数据源）';