zhanghongyu_0626
3fb0ceb334
- 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.
195 lines
11 KiB
SQL
195 lines
11 KiB
SQL
-- 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）
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USE jinrong_core;
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-- 风险等级字典（客户 C1~C5 · 产品 R1~R5）
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CREATE TABLE core_risk_grade (
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code VARCHAR(4) NOT NULL PRIMARY KEY COMMENT 'C1~C5 或 R1~R5',
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grade_type ENUM('customer','product') NOT NULL,
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display_name VARCHAR(32) NOT NULL,
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sort_order TINYINT UNSIGNED NOT NULL
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) ENGINE=InnoDB COMMENT='风险等级字典';
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CREATE TABLE core_industry (
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industry_code VARCHAR(16) NOT NULL PRIMARY KEY,
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industry_name VARCHAR(64) NOT NULL
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) ENGINE=InnoDB COMMENT='行业分类';
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-- 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）
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CREATE TABLE core_suitability_rule (
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id TINYINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
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customer_risk_code CHAR(2) NOT NULL COMMENT 'C1~C5',
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product_risk_code CHAR(2) NOT NULL COMMENT 'R1~R5',
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match_result ENUM('allowed','allowed_with_disclosure','forbidden') NOT NULL,
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rule_ref VARCHAR(32) NOT NULL DEFAULT 'JR-AST-012',
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UNIQUE KEY uk_cx_r (customer_risk_code, product_risk_code),
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CONSTRAINT fk_suit_cust_risk FOREIGN KEY (customer_risk_code) REFERENCES core_risk_grade(code),
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CONSTRAINT fk_suit_prod_risk FOREIGN KEY (product_risk_code) REFERENCES core_risk_grade(code)
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) ENGINE=InnoDB COMMENT='适当性匹配规则（L0 权威）';
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-- 内部员工（含 RBAC 角色种子，供 JWT/鉴权联调对照）
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CREATE TABLE core_staff (
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staff_id VARCHAR(64) NOT NULL PRIMARY KEY,
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display_name VARCHAR(64) NOT NULL,
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staff_type ENUM('advisor','analyst','risk_officer','compliance','ops') NOT NULL,
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roles JSON NOT NULL COMMENT 'JWT roles 数组，如 ["advisor"]',
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tenant_id VARCHAR(32) NOT NULL DEFAULT 'TENANT-001',
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is_active TINYINT(1) NOT NULL DEFAULT 1,
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created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3)
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) ENGINE=InnoDB COMMENT='内部员工主档（模拟 IdP 账号源）';
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-- 客户主档 L0（KYC + 财务概况 · 对齐用户信息数据示例）
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CREATE TABLE core_customer (
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customer_id VARCHAR(64) NOT NULL PRIMARY KEY,
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display_name VARCHAR(64) NOT NULL COMMENT '脱敏展示名',
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gender ENUM('M','F','U') NOT NULL DEFAULT 'U',
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birth_date DATE NULL,
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age TINYINT UNSIGNED NULL,
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id_no_mask VARCHAR(32) NULL COMMENT '310101199903XXXXXX',
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occupation VARCHAR(64) NULL,
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employer VARCHAR(128) NULL,
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education ENUM('high_school','associate','bachelor','master','doctor','other') NULL,
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marital_status ENUM('single','married','widowed','divorced','other') NULL,
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city VARCHAR(64) NULL,
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address_mask VARCHAR(256) NULL,
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phone_mask VARCHAR(16) NULL,
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email_mask VARCHAR(64) NULL,
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annual_income DECIMAL(18,2) NULL COMMENT '家庭年收入（元）',
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financial_asset DECIMAL(18,2) NULL COMMENT '金融资产规模（不含房产）',
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monthly_investable DECIMAL(18,2) NULL COMMENT '月可投资金额',
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is_hnw TINYINT(1) NOT NULL DEFAULT 0 COMMENT '高净值客户',
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service_tier ENUM('normal','vip','diamond') NOT NULL DEFAULT 'normal',
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is_pep TINYINT(1) NOT NULL DEFAULT 0 COMMENT '政治公众人物',
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aml_risk_level ENUM('low','medium','high') NOT NULL DEFAULT 'low',
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invest_experience_years TINYINT UNSIGNED NULL,
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first_invest_date DATE NULL,
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tenant_id VARCHAR(32) NOT NULL DEFAULT 'TENANT-001',
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open_date DATE NOT NULL,
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is_active TINYINT(1) NOT NULL DEFAULT 1,
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created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
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KEY idx_service_tier (service_tier),
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KEY idx_hnw (is_hnw),
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KEY idx_aml (aml_risk_level)
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) ENGINE=InnoDB COMMENT='客户主档 L0 · KYC';
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-- 正式风险测评 L0（对齐适当性指南 16 题问卷 + FM-03 风评过期）
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CREATE TABLE core_customer_risk (
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id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
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customer_id VARCHAR(64) NOT NULL,
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risk_code CHAR(2) NOT NULL COMMENT 'C1~C5',
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questionnaire_score SMALLINT UNSIGNED NULL COMMENT '问卷总分 20-100',
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max_loss_tolerance_pct DECIMAL(5,2) NULL COMMENT '最大可承受亏损比例',
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investment_goal VARCHAR(128) NULL,
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investment_horizon ENUM('short','medium','long','flexible') NULL,
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investor_category ENUM('ordinary','professional','professional_pending') NOT NULL DEFAULT 'ordinary',
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professional_approved_at DATE NULL,
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is_authoritative TINYINT(1) NOT NULL DEFAULT 1,
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evaluated_at DATE NOT NULL,
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expires_at DATE NOT NULL COMMENT '风评有效期（通常 evaluated_at+12 月）',
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source VARCHAR(32) NOT NULL DEFAULT 'risk_questionnaire',
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UNIQUE KEY uk_customer_current (customer_id),
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KEY idx_risk (risk_code),
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KEY idx_expires (expires_at),
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KEY idx_investor_cat (investor_category),
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CONSTRAINT fk_cust_risk_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
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CONSTRAINT fk_cust_risk_code FOREIGN KEY (risk_code) REFERENCES core_risk_grade(code)
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) ENGINE=InnoDB COMMENT='客户正式风险测评 L0';
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CREATE TABLE core_customer_advisor (
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id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
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customer_id VARCHAR(64) NOT NULL,
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advisor_id VARCHAR(64) NOT NULL COMMENT '对应 core_staff.staff_id',
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rel_status ENUM('active','transferred','closed') NOT NULL DEFAULT 'active',
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effective_from DATE NOT NULL,
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effective_to DATE NULL,
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UNIQUE KEY uk_cust_advisor_from (customer_id, advisor_id, effective_from),
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KEY idx_advisor (advisor_id, rel_status),
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CONSTRAINT fk_ca_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
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CONSTRAINT fk_ca_advisor FOREIGN KEY (advisor_id) REFERENCES core_staff(staff_id)
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) ENGINE=InnoDB COMMENT='客户-代理人归属';
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-- 产品主档（对齐 C-11：风险等级 + 期限 + 起购金额）
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CREATE TABLE core_product (
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product_id VARCHAR(64) NOT NULL PRIMARY KEY,
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product_name VARCHAR(128) NOT NULL,
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product_type ENUM(
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'money','bond','mixed','stock','index',
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'wealth_mgmt','private_fund','insurance','structured'
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) NOT NULL,
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min_risk_code CHAR(2) NOT NULL COMMENT 'R1~R5 最低适配',
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min_subscribe_amount DECIMAL(18,2) NOT NULL DEFAULT 1.00 COMMENT '起购金额（元）',
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term_days INT UNSIGNED NULL COMMENT '产品期限（天），NULL=灵活开放',
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requires_disclosure TINYINT(1) NOT NULL DEFAULT 0 COMMENT '购买前需签署风险揭示书',
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industry_code VARCHAR(16) NULL,
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fee_rate DECIMAL(6,4) NULL,
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is_open TINYINT(1) NOT NULL DEFAULT 1,
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created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
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KEY idx_min_risk (min_risk_code),
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KEY idx_product_type (product_type),
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CONSTRAINT fk_product_risk FOREIGN KEY (min_risk_code) REFERENCES core_risk_grade(code),
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CONSTRAINT fk_product_industry FOREIGN KEY (industry_code) REFERENCES core_industry(industry_code)
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) ENGINE=InnoDB COMMENT='产品主档';
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CREATE TABLE core_holding (
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id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
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customer_id VARCHAR(64) NOT NULL,
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product_id VARCHAR(64) NOT NULL,
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qty DECIMAL(18,4) NOT NULL,
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cost_amount DECIMAL(18,2) NOT NULL,
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market_value DECIMAL(18,2) NOT NULL,
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pnl_pct DECIMAL(8,4) NOT NULL COMMENT '盈亏比例',
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as_of DATE NOT NULL,
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UNIQUE KEY uk_cust_product (customer_id, product_id),
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KEY idx_customer (customer_id),
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CONSTRAINT fk_hold_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
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CONSTRAINT fk_hold_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
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) ENGINE=InnoDB COMMENT='持仓快照';
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-- 交易流水（扩展 AML 字段 · 对齐反洗钱规则 RW-001~020）
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CREATE TABLE core_trade (
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trade_id VARCHAR(64) NOT NULL PRIMARY KEY,
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customer_id VARCHAR(64) NOT NULL,
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product_id VARCHAR(64) NOT NULL,
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trade_type ENUM('subscribe','redeem','convert') NOT NULL,
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amount DECIMAL(18,2) NOT NULL,
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qty DECIMAL(18,4) NULL,
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channel ENUM('online','mobile','counter','other') NOT NULL DEFAULT 'online',
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counterparty_account_mask VARCHAR(32) NULL,
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counterparty_name VARCHAR(64) NULL,
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is_cash TINYINT(1) NOT NULL DEFAULT 0,
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payer_name VARCHAR(64) NULL COMMENT '代付人（RW-014）',
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is_third_party_pay TINYINT(1) NOT NULL DEFAULT 0,
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trade_status ENUM('confirmed','pending','cancelled') NOT NULL DEFAULT 'confirmed',
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traded_at DATETIME(3) NOT NULL,
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KEY idx_customer_time (customer_id, traded_at),
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KEY idx_amount (amount, traded_at),
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KEY idx_channel_time (channel, traded_at),
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CONSTRAINT fk_trade_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
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CONSTRAINT fk_trade_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
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) ENGINE=InnoDB COMMENT='交易流水';
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CREATE TABLE core_cash_flow (
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id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
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customer_id VARCHAR(64) NOT NULL,
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flow_type ENUM('in','out') NOT NULL,
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flow_subtype ENUM('deposit','withdraw','transfer_in','transfer_out','subscribe','redeem','other') NOT NULL DEFAULT 'other',
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amount DECIMAL(18,2) NOT NULL,
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channel ENUM('online','mobile','counter','other') NOT NULL DEFAULT 'online',
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counterparty_account_mask VARCHAR(32) NULL,
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counterparty_name VARCHAR(64) NULL,
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remark VARCHAR(128) NULL,
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occurred_at DATETIME(3) NOT NULL,
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KEY idx_customer (customer_id, occurred_at),
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KEY idx_flow_subtype (flow_subtype, occurred_at),
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CONSTRAINT fk_cf_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id)
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) ENGINE=InnoDB COMMENT='资金进出';
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CREATE TABLE core_product_nav (
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id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
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product_id VARCHAR(64) NOT NULL,
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nav DECIMAL(10,4) NOT NULL,
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daily_chg_pct DECIMAL(8,4) NOT NULL,
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nav_date DATE NOT NULL,
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UNIQUE KEY uk_product_date (product_id, nav_date),
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CONSTRAINT fk_nav_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
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) ENGINE=InnoDB COMMENT='产品净值';
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