AL-02: risk_suitability_log 重建 21 列对齐 main 基准——底座 SQL 采纳 main 版(product_name/investor_category/match_result 五值/mismatch_type 七值/requires_disclosure/needs_branch_confirm/risk_was_expired/block_response_code/check_source 四值/actor_id/rule_refs JSON + 6 索引)；07-说明.md 直接采用 main 版 P0 契约；tests/_ddl.py sqlite 同步(21 列 + core_suitability_rule 新表 + core_customer/core_customer_risk/core_product 扩列，VARCHAR 近似 ENUM 与现有风格一致)；修 test_risk_api 位置式 INSERT 补列名。全列 INSERT 验收通过；剩余 15 failed 均为旧契约断言(报告预告作废集，AL-05/06/07 清零)
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@@ -180,15 +180,35 @@ CREATE TABLE risk_suitability_log (
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trace_id VARCHAR(64) NOT NULL,
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customer_id VARCHAR(64) NOT NULL,
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product_id VARCHAR(64) NOT NULL,
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customer_risk_level CHAR(2) NOT NULL,
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product_risk_level CHAR(2) NOT NULL,
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product_name VARCHAR(128) NULL COMMENT '判定时产品名快照',
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customer_risk_level CHAR(2) NOT NULL COMMENT 'L0 C1~C5',
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product_risk_level CHAR(2) NOT NULL COMMENT '产品最低 R1~R5',
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investor_category ENUM('ordinary','professional','professional_pending') NOT NULL DEFAULT 'ordinary',
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match_result ENUM(
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'allowed','allowed_with_disclosure','forbidden',
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'risk_expired','professional_exempt'
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) NOT NULL COMMENT '与 Core check_suitability 输出一致',
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mismatch_type ENUM(
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'none','risk_level','risk_expired','age_branch_confirm',
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'min_subscribe','not_found','professional_exempt'
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) NOT NULL DEFAULT 'none' COMMENT '阻断/特殊处理原因分类',
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is_matched TINYINT(1) NOT NULL,
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is_blocked TINYINT(1) NOT NULL DEFAULT 0,
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block_reason VARCHAR(512) NULL,
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request_ref VARCHAR(64) NULL,
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requires_disclosure TINYINT(1) NOT NULL DEFAULT 0,
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needs_branch_confirm TINYINT(1) NOT NULL DEFAULT 0 COMMENT 'FM-01 年龄≥70 买 R3+',
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risk_was_expired TINYINT(1) NOT NULL DEFAULT 0 COMMENT '判定时风评是否已过期',
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block_reason VARCHAR(512) NULL COMMENT '对人可读原因',
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block_response_code VARCHAR(32) NULL COMMENT 'API 机器码，如 SUIT_RISK_MISMATCH',
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check_source ENUM('r02_trade','r02_chat','c11_inquiry','manual') NOT NULL DEFAULT 'r02_trade',
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actor_id VARCHAR(64) NOT NULL COMMENT '发起者 customer_id / staff_id / svc-trade-suitability',
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request_ref VARCHAR(64) NULL COMMENT '交易单号 / session_id',
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profile_l1_version INT UNSIGNED NULL,
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rule_refs JSON NULL COMMENT '依据规则，如 ["JR-AST-012","FM-03"]',
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created_at DATETIME(3) NOT NULL DEFAULT CURRENT_TIMESTAMP(3),
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KEY idx_trace (trace_id),
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KEY idx_customer (customer_id, created_at),
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KEY idx_product (product_id, created_at),
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KEY idx_blocked (is_blocked, created_at)
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) ENGINE=InnoDB COMMENT='【交换】适当性记录 · 风控写 / 客户+代理人读';
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KEY idx_blocked (is_blocked, created_at),
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KEY idx_match (match_result, created_at),
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KEY idx_mismatch (mismatch_type, created_at)
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) ENGINE=InnoDB COMMENT='【交换】适当性记录 · 风控写 / 客户+代理人读 · 字段契约见 07-risk_suitability_log说明.md';
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@@ -0,0 +1,114 @@
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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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+30
-7
@@ -17,20 +17,35 @@ SQLITE_TABLES: dict[str, str] = {
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"core_customer": """
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CREATE TABLE core_customer (
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customer_id VARCHAR(64) PRIMARY KEY, display_name VARCHAR(128), age INTEGER,
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occupation VARCHAR(64), open_date DATE, is_active TINYINT DEFAULT 1)
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occupation VARCHAR(64), open_date DATE, is_active TINYINT DEFAULT 1,
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is_hnw TINYINT DEFAULT 0, service_tier VARCHAR(16) DEFAULT 'normal')
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""",
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"core_customer_risk": """
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CREATE TABLE core_customer_risk (
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customer_id VARCHAR(64), risk_code VARCHAR(8), evaluated_at TIMESTAMP)
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customer_id VARCHAR(64), risk_code VARCHAR(8), evaluated_at TIMESTAMP,
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expires_at TIMESTAMP, is_authoritative TINYINT DEFAULT 1,
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source VARCHAR(32) DEFAULT 'risk_questionnaire',
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investor_category VARCHAR(32) DEFAULT 'ordinary',
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questionnaire_score INTEGER, max_loss_tolerance_pct REAL,
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investment_goal VARCHAR(128), investment_horizon VARCHAR(16),
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professional_approved_at TIMESTAMP)
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""",
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"core_customer_advisor": """
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CREATE TABLE core_customer_advisor (
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advisor_id VARCHAR(64), customer_id VARCHAR(64), rel_status VARCHAR(16))
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""",
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"core_suitability_rule": """
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CREATE TABLE core_suitability_rule (
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id INTEGER PRIMARY KEY AUTOINCREMENT,
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customer_risk_code VARCHAR(8), product_risk_code VARCHAR(8),
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match_result VARCHAR(32), rule_ref VARCHAR(32) DEFAULT 'JR-AST-012')
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""",
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"core_product": """
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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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min_risk_code VARCHAR(8), product_type VARCHAR(32))
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min_risk_code VARCHAR(8), product_type VARCHAR(32),
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min_subscribe_amount DECIMAL DEFAULT 1.00, term_days INTEGER,
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requires_disclosure TINYINT DEFAULT 0)
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""",
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"core_holding": """
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CREATE TABLE core_holding (
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@@ -92,11 +107,19 @@ SQLITE_TABLES: dict[str, str] = {
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""",
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"risk_suitability_log": f"""
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CREATE TABLE risk_suitability_log (
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id INTEGER PRIMARY KEY AUTOINCREMENT, trace_id VARCHAR(64), customer_id VARCHAR(64),
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product_id VARCHAR(64), customer_risk_level VARCHAR(8), product_risk_level VARCHAR(8),
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is_matched TINYINT, is_blocked TINYINT, block_reason VARCHAR(512),
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id INTEGER PRIMARY KEY AUTOINCREMENT, trace_id VARCHAR(64) NOT NULL,
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customer_id VARCHAR(64) NOT NULL, product_id VARCHAR(64) NOT NULL,
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product_name VARCHAR(128),
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customer_risk_level VARCHAR(8) NOT NULL, product_risk_level VARCHAR(8) NOT NULL,
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investor_category VARCHAR(32) DEFAULT 'ordinary',
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match_result VARCHAR(32) NOT NULL, mismatch_type VARCHAR(32) DEFAULT 'none',
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is_matched TINYINT, is_blocked TINYINT DEFAULT 0,
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requires_disclosure TINYINT DEFAULT 0, needs_branch_confirm TINYINT DEFAULT 0,
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risk_was_expired TINYINT DEFAULT 0,
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block_reason VARCHAR(512), block_response_code VARCHAR(32),
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check_source VARCHAR(16) DEFAULT 'r02_trade', actor_id VARCHAR(64),
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request_ref VARCHAR(64), profile_l1_version VARCHAR(32),
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created_at {_TS})
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rule_refs TEXT, created_at {_TS})
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""",
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"customer_profile_l3": f"""
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CREATE TABLE customer_profile_l3 (
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@@ -73,7 +73,7 @@ def env():
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)
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conn.execute(
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text(
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"INSERT INTO core_product VALUES"
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"INSERT INTO core_product (product_id, product_name, min_risk_code, product_type) VALUES"
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" ('PROD-161725', '科技成长主题', 'R4', 'mixed'),"
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" ('PROD-510300', '沪深300指数', 'R3', 'index')"
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)
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