115 lines
3.7 KiB
Markdown
115 lines
3.7 KiB
Markdown
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# risk_suitability_log · P0 字段契约
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> **用途：** 风控 Agent（R-02）写入；客户 / 代理人 Agent **只读**。
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> **原则：** 一行记录 = 一次 `CoreReadOnlyRepository.check_suitability()` 判定 + 审计上下文。
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> **SQL：** [01-mysql-共用底座.sql](./01-mysql-共用底座.sql)
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> **映射代码：** `app/model/suitability.py` → `build_suitability_log_row()`
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---
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## 1. 与 Core 计算器的关系
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```text
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Core.check_suitability(customer_id, product_id)
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↓ 返回 dict（match_result / mismatch_type / blocked …）
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build_suitability_log_row(check, trace_id, actor_id, …)
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↓
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INSERT risk_suitability_log ← jinrong_agent 库
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↓ 只读
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客户 Agent（本人）· 代理人 Agent（名下客户）
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```
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**不在此表存：** C×R 规则本身（在 `jinrong_core.core_suitability_rule`）。
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---
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## 2. 字段 ↔ check_suitability 映射
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| 表字段 | 来源 | 说明 |
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| --- | --- | --- |
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| `customer_risk_level` | `customer_risk_code` | L0 正式 C 档 |
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| `product_risk_level` | `product_risk_code` | 产品最低 R 档 |
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| `product_name` | `product_name` | 快照，避免日后改名 |
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| `investor_category` | `investor_category` | 判定时投资者类别 |
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| `match_result` | `match_result` | 见下表枚举 |
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| `mismatch_type` | `mismatch_type` | 见下表枚举 |
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| `is_matched` | `matched` | 是否视为可匹配 |
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| `is_blocked` | `blocked` | 是否阻断请求 |
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| `requires_disclosure` | `requires_disclosure` | 是否需风险揭示书 |
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| `needs_branch_confirm` | `needs_branch_confirm` | FM-01 网点确认 |
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| `risk_was_expired` | `risk_is_expired` | FM-03 风评过期 |
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| `block_reason` | `reason` | 对人可读 |
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| `block_response_code` | `block_response_code` | API 机器码 |
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---
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## 3. match_result 枚举
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| 值 | 含义 | 典型场景 |
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| --- | --- | --- |
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| `allowed` | 完全匹配 | C2 买 R2 |
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| `allowed_with_disclosure` | 可买但需揭示书 | C3 买 R4 |
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| `forbidden` | 等级不配 | C1 买 R4 |
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| `risk_expired` | 风评过期 | FM-03 |
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| `professional_exempt` | 专业投资者豁免 | 已认定 professional |
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---
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## 4. mismatch_type 枚举
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| 值 | 含义 | is_blocked 常见 |
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| --- | --- | --- |
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| `none` | 无特殊问题 | 0 |
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| `risk_level` | C/R 矩阵禁止 | 1 |
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| `risk_expired` | 风评过期 | 1 |
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| `age_branch_confirm` | 高龄买 R3+ 需网点 | 1 |
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| `min_subscribe` | 起购金额不足（P0 预留） | 1 |
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| `not_found` | 客户或产品不存在 | 1 |
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| `professional_exempt` | 豁免路径 | 0 |
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---
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## 5. block_response_code（P0）
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| 代码 | 条件 |
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| --- | --- |
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| `SUIT_OK` | 匹配且可继续 |
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| `SUIT_NEED_DISCLOSURE` | 需签署风险揭示书 |
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| `SUIT_RISK_MISMATCH` | C/R 不配 |
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| `SUIT_RISK_EXPIRED` | 风评过期 |
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| `SUIT_AGE_CONFIRM` | 需网点确认（FM-01） |
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| `SUIT_PROFESSIONAL_EXEMPT` | 专业投资者豁免 |
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| `SUIT_NOT_FOUND` | 客户或产品不存在 |
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| `SUIT_MIN_SUBSCRIBE` | 起购不足（预留） |
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---
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## 6. check_source / actor_id
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| check_source | 触发场景 | actor_id 示例 |
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| --- | --- | --- |
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| `r02_trade` | 交易前钩子 | `svc-trade-suitability` |
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| `r02_chat` | 风控 Agent 对话判定 | `STAFF-30001` |
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| `c11_inquiry` | 客户问「能否买」 | `CUST-DEMO-A` |
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| `manual` | 人工补录 | 员工 staff_id |
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---
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## 7. 读写权限（不变）
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| Agent | 权限 |
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| --- | --- |
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| 风控 | **写** |
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| 客户 | **读**（仅本人） |
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| 代理人 | **读**（仅名下客户） |
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| 数据分析 | 不用 |
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---
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## 8. P0 验收
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- [ ] R-02 写入行与 `check_suitability` 返回值逐项一致
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- [ ] 阻断时同时写 `audit_log`（同 `trace_id`）
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- [ ] 客户 Agent 只读本人；代理人只读 `customer_advisor_rel` 名下
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- [ ] `blocked=true` 仅 R-02 / 交易钩子 API 可对外返回
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