248 lines
10 KiB
Python
248 lines
10 KiB
Python
"""suitability 单测（A4 · 验收 A-8）：矩阵 25 组合 + SUIT-006/008 边界 + 服务集成。"""
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from datetime import date, datetime, timedelta
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import pytest
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from sqlalchemy import create_engine, text
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from app.repository.core_ro import CoreReadOnlyRepository
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from app.repository.risk_repository import RiskRepository
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from app.service.suitability import (
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cap_by_age,
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check_core,
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grade_number,
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is_assessment_valid,
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match_by_matrix,
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suitability_check,
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)
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TODAY = date(2026, 9, 6)
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def _customer(level, age=40, evaluated=TODAY - timedelta(days=90)):
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return {
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"customer_id": "C1",
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"risk_code": level,
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"age": age,
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"risk_evaluated_at": evaluated,
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}
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def _product(level):
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return {"product_id": "P1", "min_risk_code": level}
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class TestMatrix25:
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"""SUIT-001~005：C1~C5 × R1~R5 全组合（期望值为硬编码字面量，直接对照附表矩阵审查）。"""
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# 行=客户 C1~C5，列=产品 R1~R5（✓=可购），与附-风控规则表 §1 矩阵逐格对照
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EXPECTED = [
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# R1 R2 R3 R4 R5
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[True, False, False, False, False], # C1
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[True, True, False, False, False], # C2
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[True, True, True, False, False], # C3
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[True, True, True, True, False], # C4
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[True, True, True, True, True], # C5
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]
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CUSTOMERS = ["C1", "C2", "C3", "C4", "C5"]
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PRODUCTS = ["R1", "R2", "R3", "R4", "R5"]
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@pytest.mark.parametrize("c", CUSTOMERS)
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@pytest.mark.parametrize("p", PRODUCTS)
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def test_matrix(self, c, p):
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expect = self.EXPECTED[self.CUSTOMERS.index(c)][self.PRODUCTS.index(p)]
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result = check_core(_customer(c), _product(p), today=TODAY)
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assert result.is_matched is expect
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assert result.blocked is (not expect) # 测评有效期内 blocked ≡ not matched
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assert result.customer_level == c and result.effective_level == c
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def test_a1_c1_buys_r4(self):
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"""验收 A-1 断言口径：C1+R4 → rule_id=SUIT-001（客户维度，PRD 字面）。"""
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result = check_core(_customer("C1"), _product("R4"), today=TODAY)
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assert result.is_matched is False and result.blocked is True
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assert result.rule_id == "SUIT-001"
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assert "SUIT-001" in result.block_reason
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class TestSUIT006AgeCap:
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def test_70yo_c5_capped_to_c3(self):
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level, reason = cap_by_age("C5", 70)
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assert level == "C3" and "SUIT-006" in reason
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def test_69yo_c5_not_capped(self):
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assert cap_by_age("C5", 69) == ("C5", None)
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def test_70yo_c3_unchanged(self):
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assert cap_by_age("C3", 72) == ("C3", None)
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def test_null_age_skipped_with_review_hint(self):
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level, reason = cap_by_age("C5", None)
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assert level == "C5" and reason == "年龄缺失，建议人工复核"
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def test_a2_70yo_c5_buys_r4_blocked(self):
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"""验收 A-2 断言口径：70 岁 C5 买 R4 → 封顶说明 + SUIT-003 不匹配，无过期干扰。"""
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result = check_core(_customer("C5", age=70), _product("R4"), today=TODAY)
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assert result.blocked is True and result.is_matched is False
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assert result.effective_level == "C3"
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assert result.rule_id == "SUIT-003" # 客户判定等级 C3 → SUIT-003（PRD A-2 字面）
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assert any("SUIT-006" in r for r in result.reasons)
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assert "SUIT-003" in result.block_reason
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assert not any("SUIT-008" in r for r in result.reasons)
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class TestSUIT008Validity:
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def test_364_days_valid(self):
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assert is_assessment_valid(TODAY - timedelta(days=364), TODAY, 365) is True
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def test_365_days_expired(self):
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assert is_assessment_valid(TODAY - timedelta(days=365), TODAY, 365) is False
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def test_none_evaluated_expired(self):
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assert is_assessment_valid(None, TODAY, 365) is False
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def test_expired_but_matched_still_blocked(self):
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"""C3 买 R3 等级匹配，但测评过期 → 仍阻断（双字段语义）+ rule_id=SUIT-008。"""
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customer = _customer("C3", evaluated=TODAY - timedelta(days=400))
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result = check_core(customer, _product("R3"), today=TODAY)
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assert result.is_matched is True and result.blocked is True
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assert result.rule_id == "SUIT-008"
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assert "SUIT-008" in result.reasons[-1]
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assert "重新测评" in result.block_reason
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def test_custom_valid_days(self):
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customer = _customer("C3", evaluated=TODAY - timedelta(days=100))
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assert is_assessment_valid(customer["risk_evaluated_at"], TODAY, 90) is False
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def test_str_and_datetime_input_compat(self):
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"""str/datetime 输入兼容（驱动差异防御，评审 P2-4②）。"""
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assert is_assessment_valid("2026-06-01", TODAY, 365) is True
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assert is_assessment_valid("2025-06-01", TODAY, 365) is False
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assert is_assessment_valid(datetime(2026, 6, 1, 12, 0), TODAY, 365) is True
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class TestCheckService:
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"""suitability_check 服务集成（sqlite 内存库）：落日志 + 原等级落库。"""
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@pytest.fixture()
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def repos(self):
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engine = create_engine("sqlite:///:memory:")
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with engine.begin() as conn:
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conn.execute(
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text(
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"""
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CREATE TABLE core_customer (
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customer_id VARCHAR(64) PRIMARY KEY, display_name VARCHAR(64),
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age INTEGER, occupation VARCHAR(64), phone_mask VARCHAR(16),
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tenant_id VARCHAR(32), open_date DATE, is_active INTEGER DEFAULT 1,
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created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
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)
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"""
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)
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)
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conn.execute(
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text(
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"""
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CREATE TABLE core_customer_risk (
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id INTEGER PRIMARY KEY, customer_id VARCHAR(64), risk_code VARCHAR(2),
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is_authoritative INTEGER DEFAULT 1, evaluated_at DATE,
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source VARCHAR(32) DEFAULT 'risk_questionnaire'
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)
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"""
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)
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)
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conn.execute(
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text(
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"""
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CREATE TABLE core_product (
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product_id VARCHAR(64) PRIMARY KEY, product_name VARCHAR(128),
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product_type VARCHAR(8), min_risk_code VARCHAR(2),
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industry_code VARCHAR(16), fee_rate NUMERIC(6,4),
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is_open INTEGER DEFAULT 1, created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
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)
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"""
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)
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)
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conn.execute(
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text(
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"""
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CREATE TABLE risk_suitability_log (
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id INTEGER PRIMARY KEY, trace_id VARCHAR(64), customer_id VARCHAR(64),
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product_id VARCHAR(64), customer_risk_level VARCHAR(2),
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product_risk_level VARCHAR(2), is_matched INTEGER, is_blocked INTEGER,
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block_reason VARCHAR(512), request_ref VARCHAR(64),
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profile_l1_version INTEGER, created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP
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)
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"""
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)
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)
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conn.execute(
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text(
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"INSERT INTO core_customer (customer_id, display_name, age, open_date)"
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" VALUES ('CUST-1', '客户·测**', 70, '2020-01-01')"
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)
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)
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conn.execute(
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text(
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"INSERT INTO core_customer_risk (customer_id, risk_code, evaluated_at)"
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" VALUES ('CUST-1', 'C5', :evaluated)"
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),
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{"evaluated": TODAY - timedelta(days=90)},
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)
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conn.execute(
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text(
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"INSERT INTO core_product (product_id, product_name, product_type, min_risk_code)"
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" VALUES ('PROD-R4', '测试R4产品', 'stock', 'R4')"
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)
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)
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core_ro = CoreReadOnlyRepository(engine=engine)
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risk_repo = RiskRepository(engine=engine)
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yield core_ro, risk_repo, engine
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engine.dispose()
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def test_service_blocked_and_log_written(self, repos):
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core_ro, risk_repo, engine = repos
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result = suitability_check(
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"CUST-1", "PROD-R4", core_ro=core_ro, risk_repo=risk_repo, today=TODAY
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)
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assert result.blocked is True and result.effective_level == "C3"
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# 落库 customer_risk_level = 原测评等级 C5（封顶只进 reasons，PRD FR-2）
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row = engine.connect().execute(
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text(
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"SELECT customer_risk_level, product_risk_level, is_matched, is_blocked"
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" FROM risk_suitability_log"
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)
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).first()
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assert row[0] == "C5" and row[1] == "R4" and row[2] == 0 and row[3] == 1
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def test_service_unknown_customer_raises(self, repos):
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core_ro, risk_repo, _ = repos
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with pytest.raises(LookupError):
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suitability_check("NOPE", "PROD-R4", core_ro=core_ro, risk_repo=risk_repo, today=TODAY)
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def test_service_default_valid_days_from_settings(self, repos, monkeypatch):
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"""P1-1 回归：不传 valid_days 时取 settings（.env 可配性）。
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CUST-1 为 70 岁 C5（封顶 C3 买 R4 本就不匹配，主因 SUIT-003 优先）；
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配置阈值降到 90 后 90 天前的测评命中过期 → reasons 出现 SUIT-008 行即证明配置生效。
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"""
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from app.config.settings import settings as app_settings
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core_ro, risk_repo, _ = repos
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monkeypatch.setattr(app_settings, "risk_assessment_valid_days", 90)
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result = suitability_check("CUST-1", "PROD-R4", core_ro=core_ro, risk_repo=risk_repo, today=TODAY)
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assert result.blocked is True and result.rule_id == "SUIT-003"
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assert any("SUIT-008" in r for r in result.reasons)
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def test_service_request_ref_passthrough(self, repos):
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"""P2-2：request_ref 透传落库（B5 网关传 trade_id 用）。"""
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core_ro, risk_repo, engine = repos
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suitability_check(
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"CUST-1", "PROD-R4", core_ro=core_ro, risk_repo=risk_repo,
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today=TODAY, request_ref="TRD-TEST-1",
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)
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row = engine.connect().execute(
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text("SELECT request_ref, trace_id FROM risk_suitability_log")
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).first()
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assert row[0] == "TRD-TEST-1"
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assert row[1] and row[1].startswith("trc-") # 无上游 trace 时兜底生成（P2-1）
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