227 lines
8.5 KiB
Python
227 lines
8.5 KiB
Python
"""risk_repository 单测（A3 · sqlite 内存库；JSON/ENUM 列用 TEXT 兼容）。
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L3 为 insert_l3/update_l3 两方法（无 MySQL 方言残留），更新路径已测。
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"""
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import json
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from datetime import datetime
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from decimal import Decimal
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import pytest
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from sqlalchemy import text
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from _ddl import create_sqlite_engine
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from app.repository.risk_repository import RiskRepository
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@pytest.fixture()
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def repo():
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engine = create_sqlite_engine() # DDL 单一事实源（B4 评审 P3-12）
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def make_alert(alert_id, alert_type="large_amount", cid="C1", rules=None, score=70):
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return {
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"alert_id": alert_id,
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"trace_id": "trc-test",
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"customer_id": cid,
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"trade_id": "TRD-1",
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"alert_type": alert_type,
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"triggered_rules": rules or ["RISK-001"],
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"risk_score": score,
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"status": "pending_review",
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"payload": {"product_id": "P1", "events": []},
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}
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yield RiskRepository(engine=engine), engine, make_alert
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engine.dispose()
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def test_insert_and_get_alert(repo):
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r, _, make_alert = repo
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r.insert_alert(make_alert("ALT-1"))
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got = r.get_alert("ALT-1")
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assert got["alert_type"] == "large_amount"
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assert got["triggered_rules"] == ["RISK-001"]
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assert got["payload"]["product_id"] == "P1"
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assert got["status"] == "pending_review"
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def test_find_pending_event_alert(repo):
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r, _, make_alert = repo
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r.insert_alert(make_alert("ALT-E", alert_type="large_amount"))
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found = r.find_pending_event_alert("C1", datetime(2026, 1, 1))
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assert found is not None and found["alert_id"] == "ALT-E"
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# suitability 类型不在事件类查询范围
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r.insert_alert(make_alert("ALT-S", alert_type="suitability"))
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assert r.find_pending_event_alert("C1", datetime(2026, 1, 1))["alert_id"] == "ALT-E"
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def test_find_pending_suitability_alert_matches_product(repo):
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r, _, make_alert = repo
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r.insert_alert(make_alert("ALT-S", alert_type="suitability"))
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assert r.find_pending_suitability_alert("C1", "P1", datetime(2026, 1, 1)) is not None
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assert r.find_pending_suitability_alert("C1", "P2", datetime(2026, 1, 1)) is None
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def test_append_alert_event_merges(repo):
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r, _, make_alert = repo
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r.insert_alert(make_alert("ALT-1", rules=["RISK-001"], score=70))
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r.append_alert_event(
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"ALT-1",
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event={"trade_id": "TRD-2", "amount": "600000"},
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triggered_rules=["RISK-002", "RISK-001"],
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risk_score=50,
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alert_type="large_amount",
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)
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got = r.get_alert("ALT-1")
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assert got["triggered_rules"] == ["RISK-001", "RISK-002"] # 合并未重复
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assert got["risk_score"] == 70 # 取 max，不被 50 降
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assert len(got["payload"]["events"]) == 1
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assert got["payload"]["events"][0]["trade_id"] == "TRD-2"
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# 再追加一笔，score 升到 90
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r.append_alert_event("ALT-1", {"trade_id": "TRD-3"}, ["RISK-005"], 80, "pattern")
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got = r.get_alert("ALT-1")
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assert got["risk_score"] == 80
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assert got["alert_type"] == "pattern" # 类型随最高分规则更新
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assert len(got["payload"]["events"]) == 2
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def test_append_missing_alert_raises(repo):
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r, _, _ = repo
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with pytest.raises(ValueError):
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r.append_alert_event("NOPE", {}, ["RISK-001"], 70, "large_amount")
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def test_update_alert_status_state_machine(repo):
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r, _, make_alert = repo
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r.insert_alert(make_alert("ALT-1"))
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assert r.update_alert_status("ALT-1", "confirmed_suspicious", "STAFF-30001", "确认可疑") is True
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got = r.get_alert("ALT-1")
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assert got["status"] == "confirmed_suspicious"
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assert got["handler_id"] == "STAFF-30001"
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assert got["handled_at"] is not None
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# 已处置不可再改（状态机只允许 pending_review → 三态）
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assert r.update_alert_status("ALT-1", "confirmed_normal", "STAFF-30002", None) is False
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def test_list_alerts_filters_and_pages(repo):
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r, _, make_alert = repo
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for i in range(1, 4):
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r.insert_alert(make_alert(f"ALT-{i}", alert_type="large_amount" if i < 3 else "aml"))
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items, total = r.list_alerts(alert_type="large_amount", page=1, page_size=20)
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assert total == 2 and len(items) == 2
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items, total = r.list_alerts(alert_type="aml")
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assert total == 1 and items[0]["alert_id"] == "ALT-3"
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items, total = r.list_alerts(customer_id="C1")
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assert total == 3
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def test_list_alerts_pagination_offset(repo):
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"""分页 offset 路径（评审 P2-4①）。"""
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r, _, make_alert = repo
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for i in range(1, 4):
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r.insert_alert(make_alert(f"ALT-{i}"))
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page1, total = r.list_alerts(page=1, page_size=2)
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page2, _ = r.list_alerts(page=2, page_size=2)
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assert total == 3 and len(page1) == 2 and len(page2) == 1
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ids = [a["alert_id"] for a in page1] + [a["alert_id"] for a in page2]
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assert set(ids) == {"ALT-1", "ALT-2", "ALT-3"}
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assert not set(a["alert_id"] for a in page1) & set(a["alert_id"] for a in page2)
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def test_find_pending_excludes_previous_day(repo):
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"""跨日反向：昨日 pending 单不命中当日查询（评审 P2-4③）。"""
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r, engine, make_alert = repo
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r.insert_alert(make_alert("ALT-OLD"))
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with engine.begin() as conn:
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conn.execute(
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text("UPDATE risk_alert SET created_at = :ts WHERE alert_id = 'ALT-OLD'"),
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{"ts": datetime(2026, 9, 5, 23, 0)},
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)
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assert r.find_pending_event_alert("C1", datetime(2026, 9, 6, 0, 0)) is None
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def test_append_alert_event_empty_rules(repo):
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"""空 triggered_rules 合并（评审 P2-4④）：不破坏已有规则且 score 仍可升。"""
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r, _, make_alert = repo
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r.insert_alert(make_alert("ALT-1", rules=["RISK-001"], score=70))
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r.append_alert_event("ALT-1", {"trade_id": "TRD-2"}, [], 90, "pattern")
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got = r.get_alert("ALT-1")
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assert got["triggered_rules"] == ["RISK-001"]
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assert got["risk_score"] == 90 and got["alert_type"] == "pattern"
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def test_insert_suitability_log(repo):
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"""AL-05 对齐 main 契约：21 列全列 INSERT + rule_refs JSON 序列化落库。"""
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r, engine, _ = repo
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log = {
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"trace_id": "trc-x",
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"customer_id": "C1",
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"product_id": "P1",
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"product_name": "测试产品",
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"customer_risk_level": "C1",
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"product_risk_level": "R4",
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"investor_category": "ordinary",
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"match_result": "forbidden",
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"mismatch_type": "risk_level",
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"is_matched": 0,
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"is_blocked": 1,
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"requires_disclosure": 0,
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"needs_branch_confirm": 0,
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"risk_was_expired": 0,
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"block_reason": "客户风险等级与产品最低等级不匹配",
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"block_response_code": "SUIT_RISK_MISMATCH",
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"check_source": "r02_trade",
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"actor_id": "svc-trade-suitability",
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"request_ref": None,
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"profile_l1_version": None,
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"rule_refs": ["JR-AST-012"],
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}
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r.insert_suitability_log(log)
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row = engine.connect().execute(
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text(
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"SELECT customer_risk_level, is_blocked, match_result, block_response_code,"
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" check_source, actor_id, rule_refs FROM risk_suitability_log"
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)
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).first()
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assert row[0] == "C1" and row[1] == 1
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assert row[2] == "forbidden" and row[3] == "SUIT_RISK_MISMATCH"
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assert row[4] == "r02_trade" and row[5] == "svc-trade-suitability"
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assert row[6] == '["JR-AST-012"]'
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def test_l3_insert_and_get(repo):
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r, _, _ = repo
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r.insert_l3(
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"C1", "high", 95, {"aml": True}, ["aml_hit_pending_review"], "ALT-AML-1", datetime(2026, 9, 6)
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)
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got = r.get_l3("C1")
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assert got["monitor_tier"] == "high"
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assert got["monitor_tags"] == ["aml_hit_pending_review"]
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assert got["score_dimensions"] == {"aml": True}
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def test_l3_update_after_insert(repo):
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r, _, _ = repo
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r.insert_l3("C1", "watch", 80, {}, ["pattern"], "ALT-1", datetime(2026, 9, 6))
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r.update_l3("C1", "high", 95, {"aml": True}, ["pattern", "aml_hit_pending_review"], "ALT-2",
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datetime(2026, 9, 6, 12))
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got = r.get_l3("C1")
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assert got["monitor_tier"] == "high"
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assert got["monitor_tags"] == ["pattern", "aml_hit_pending_review"]
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assert got["last_alert_id"] == "ALT-2"
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def test_list_active_aml_entries(repo):
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r, engine, _ = repo
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with engine.begin() as conn:
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conn.execute(
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text(
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"INSERT INTO risk_aml_list (list_id, list_type, full_name, is_active) VALUES"
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"('AML-1', 'sanction', '客户·赵**', 1),"
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"('AML-2', 'pep', '客户·已停**', 0)"
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)
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)
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entries = r.list_active_aml_entries()
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assert len(entries) == 1
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assert entries[0]["full_name"] == "客户·赵**"
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