GaoYiYuan_0626
c5182f1910
T-0 / T-0b（门禁 · 2026-09-10） - T-0：sqlite 与 MySQL 结构对齐 —— core_holding 统一为 qty/cost_amount/as_of/pnl_pct + PK + UNIQUE(customer_id, product_id)；补 core_product_nav；新增建库自校验 _assert_ddl_aligned()（R-g）；test_db.py 增 3 条门禁用例（含反向验证门禁失效） - T-0b：DB 账号分离（D20）—— 新增 scripts/core/00-grant.sql（三账号逐表授权）； settings.py 增 3 组账号；db.py 改 get_engine(db, role)，缓存键改为 (库名, 角色)， 账号未配置回退单账号；core_ro→ro / gateway_repository→rw / risk·session_repository→rw； tests/conftest.py 四处显式 role="admin"（R-e） T-1（数据层） - scripts/core/01-ddl.sql：新建 core_fee_rule / core_share_lot / core_convert_lot_detail； core_trade 加 convert_group_id + idx_convert_group；core_product 加 8 列 + fee_rate 补 COMMENT - 新增 07-seed-fee-rule.sql（赎回费 5 档 × 14 产品，按 22 号文 §10）/ 08-seed-share-lot.sql （58 行持仓 → 61 行批次，Σ remain_qty 恒等于 qty）/ 09-seed-org.sql（管理人 + TA + 申购费率 + 最低持有余额，v1.1 按「管理人全产品线」重排） - reset.ps1 追加 07/08/09；02-mysql-agent专用.sql 追加 risk_convert_detail - tests/_ddl.py 同步 4 表 + 新增 REQUIRED_CONVERT_TABLES 建库门禁 - 新增 scripts/dev/verify_convert_seed.py（pymysql 等价 reset 流程 + 8 条 DoD 断言， 含断言 ⑧「费率档 ↔ product_type 匹配」，越档即 FAIL） T-2 / T-2b（纯函数包 + 示例实算回填） - 新增 app/service/convert/ 7 文件：__init__ / types / calc / fee / nav / lot_bootstrap / errors （纯函数，不查库、不碰 SQL；所有量化显式 ROUND_HALF_UP；lot_bootstrap 用 zlib.crc32 保证 D18 跨进程同源） - 新增 tests/test_convert_calc.py 93 用例（12 类：HALF_UP 反向自证 / 分档边界 / FIFO 含同 confirmed_at 兜底 / 双口径 / 强制全转与强制赎回 / PRD §5.3 全链自证 / 纯函数零 IO 依赖断言） - 重写 scripts/dev/calc_convert_demo.py：去掉脚本内公式副本，改为调用生产 calc.py， 末尾与 PRD §5.3 逐项比对（不一致即退出码 1），兼作一致性门禁 验证 - pytest 609 passed / 3 skipped（516 → +93，零回归） - verify_convert_seed.py 8/8 PASS；calc_convert_demo.py 15/15 与 PRD §5.3 一致 文档：PRD v0.9.1（费率分类修正）· 架构 §7 签名回填 / §8.3 错误码注 / §15 T-2 完成 · 开发计划 §1.5 新增 R-h + §4.2·§4.3 执行记录 · AGENTS.md · docs/memory
259 lines
17 KiB
SQL
259 lines
17 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 COMMENT '历史费率展示位（换算逻辑不读；申购费率见 subscribe_fee_rate）',
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-- ===== 基金转换（convert）扩展列 · T-1 =====
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can_subscribe TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否可申购（转换转入前置校验）',
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can_redeem TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否可赎回（转换转出前置校验）',
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min_hold_qty DECIMAL(18,4) NOT NULL DEFAULT 0 COMMENT '最低持有份额阈值',
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min_redeem_qty DECIMAL(18,4) NOT NULL DEFAULT 0 COMMENT '最低赎回份额',
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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',
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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',
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fund_company VARCHAR(64) NULL COMMENT '基金管理人（同一笔转换需同管理人）',
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ta_code VARCHAR(32) NULL COMMENT '注册登记机构代码（同一笔转换需同 TA）',
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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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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',
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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_convert_group (convert_group_id),
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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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-- ============================================================
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-- 基金转换（convert）新增表 · T-1（2026-09-10）
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-- 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
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-- ============================================================
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-- 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）
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CREATE TABLE core_fee_rule (
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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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fee_type ENUM('subscribe','redeem') NOT NULL,
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min_hold_days INT NULL COMMENT 'redeem：持有期下界（含）',
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max_hold_days INT NULL COMMENT 'redeem：持有期上界（不含）；NULL=无上限',
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min_amount DECIMAL(18,2) NULL COMMENT 'subscribe：金额下界（含）；本期不启用',
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max_amount DECIMAL(18,2) NULL COMMENT 'subscribe：金额上界（不含）；本期不启用',
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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）',
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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',
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KEY idx_product_type (product_id, fee_type),
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CONSTRAINT fk_fee_rule_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
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) ENGINE=InnoDB COMMENT='费率规则（赎回费分档 / 申购费扩展位）';
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-- 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）
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CREATE TABLE core_share_lot (
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lot_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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qty DECIMAL(18,4) NOT NULL COMMENT '原始份额',
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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）',
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nav DECIMAL(10,4) NOT NULL COMMENT '成交净值',
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confirmed_at DATETIME(3) NOT NULL COMMENT '份额确认时间（持有期自 T+1 起算，D14）',
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source_trade_id VARCHAR(64) NULL COMMENT '来源流水（兜底补建时为 NULL）',
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created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
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KEY idx_cust_prod_time (customer_id, product_id, confirmed_at),
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CONSTRAINT fk_lot_customer FOREIGN KEY (customer_id) REFERENCES core_customer(customer_id),
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CONSTRAINT fk_lot_product FOREIGN KEY (product_id) REFERENCES core_product(product_id)
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) ENGINE=InnoDB COMMENT='份额批次（FIFO 计费权威源）';
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-- 转换批次计费明细：含 nav/nav_date 使 Core 侧自包含，供 rebuild_alerts 补偿（D6）
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CREATE TABLE core_convert_lot_detail (
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id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT PRIMARY KEY,
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convert_group_id VARCHAR(64) NOT NULL,
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lot_id VARCHAR(64) NOT NULL COMMENT '被扣减的原批次（对应 core_share_lot.lot_id）',
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qty DECIMAL(18,4) NOT NULL COMMENT '本批转出份额',
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hold_days INT NOT NULL COMMENT '本批持有天数（自然日，不含申请日）',
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amount DECIMAL(18,2) NOT NULL COMMENT '本批金额（已按 2 位四舍五入）',
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fee_rate DECIMAL(6,4) NOT NULL COMMENT '本批适用费率',
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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）';
|