""" Agent 1: 风险研判助手 API（双轨驱动版） """ from fastapi import APIRouter from pydantic import BaseModel from typing import List, Dict, Any, Optional, Union from datetime import datetime router = APIRouter(tags=["risk-assess"]) # ==================== 请求/响应模型 ==================== class RiskAssessRequest(BaseModel): customer_name: str project_type: str amount: float debt_ratio: float credit_query_count: int litigation_count: int external_guarantee: float # ==================== API端点 ==================== @router.post("/analyze") async def analyze_risk(req: dict): """风险研判分析（双轨驱动）- 返回伪造的完整数据""" # 直接从dict中获取数据 customer_name = req.get("customer_name", "") project_type = req.get("project_type", "") amount = float(req.get("amount", 0)) debt_ratio = float(req.get("debt_ratio", 0)) credit_query_count = int(req.get("credit_query_count", 0)) litigation_count = int(req.get("litigation_count", 0)) external_guarantee = float(req.get("external_guarantee", 0)) # 生成完整的伪造数据 risk_items = [] # 风险项1: 资产负债率 if req.debt_ratio >= 0.60: risk_items.append({ "level": "high", "title": "资产负债率接近红线", "description": f"{req.customer_name}资产负债率为 {req.debt_ratio*100:.1f}%，距离70%红线仅剩 {(0.70-req.debt_ratio)*100:.1f}% 空间。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第12条", "page": 12, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.87 }, "data_based": { "sample_size": 23, "time_range": "过去12个月", "decision_stats": [ {"decision": "降额通过", "percentage": 60.9, "count": 14, "avg_processing_days": 4.2}, {"decision": "退回补充材料", "percentage": 26.1, "count": 6, "avg_processing_days": 7.5}, {"decision": "附加条件通过", "percentage": 13.0, "count": 3, "avg_processing_days": 5.8} ], "similar_cases": [ { "case_id": "CAS-2025-08-156", "customer_name": "华东光伏设备公司", "decision": "降额通过（降15%）", "mitigation": "增加法人个人担保，提供政府补贴承诺函" }, { "case_id": "CAS-2025-07-089", "customer_name": "绿能公交运营公司", "decision": "降额通过（降12%）", "mitigation": "调整还款期限，追加车辆抵押" }, { "case_id": "CAS-2025-06-234", "customer_name": "中部新能源投资", "decision": "附加条件通过", "mitigation": "要求季度现金流报告，设置财务预警指标" } ] } }, "suggestion": "建议业务经理提前准备降额方案或增加抵押物，避免评审会直接退回。", "smart_recommendation": { "primary_action": f"主动降低授信额度12-15%（约 {req.amount * 0.12:.1f}-{req.amount * 0.15:.1f} 亿元），调整后负债率可控", "alternative_actions": [ f"增加抵押物或第三方担保，覆盖率≥授信额度的20%（约 {req.amount * 0.20:.1f} 亿元）", "提供详细现金流测算报告，证明偿债能力充足", "调整还款期限，降低单期还款压力" ], "reference_case": { "case_id": "CAS-2025-08-156", "customer_name": "华东光伏设备公司", "scenario": f"债务率 {req.debt_ratio*100:.1f}%，新能源行业，申请 {req.amount:.1f} 亿授信", "outcome": "降额15%后通过，增加法人担保 + 政府补贴承诺函" } } }) # 风险项2: 征信查询 if req.credit_query_count >= 6: risk_items.append({ "level": "medium", "title": "征信查询次数偏多", "description": f"{req.customer_name}近6个月征信查询 {req.credit_query_count} 次，高于行业平均（4次）。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第8条 - 征信管理", "page": 8, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.82 }, "data_based": { "sample_size": 15, "time_range": "过去12个月", "decision_stats": [ {"decision": "正常通过", "percentage": 53.3, "count": 8, "avg_processing_days": 3.5}, {"decision": "要求补充说明", "percentage": 33.3, "count": 5, "avg_processing_days": 5.2}, {"decision": "降额通过", "percentage": 13.3, "count": 2, "avg_processing_days": 6.0} ], "similar_cases": [ { "case_id": "CAS-2025-09-012", "customer_name": "东方物流集团", "decision": "正常通过", "mitigation": "提供多头融资说明（用于业务扩张），核实无实质风险" } ] } }, "suggestion": "建议业务经理核实客户是否存在多头融资，了解征信查询原因（业务扩张 vs 资金紧张）。", "smart_recommendation": { "primary_action": "要求客户提供征信查询原因说明书，核实多头融资情况", "alternative_actions": [ "提供资金用途说明和还款计划，证明融资用于业务扩张", "补充近6个月银行流水，证明现金流充足" ], "reference_case": { "case_id": "CAS-2025-09-012", "customer_name": "东方物流集团", "scenario": f"征信查询 {req.credit_query_count} 次，用于扩张业务", "outcome": "提供业务扩张说明后正常通过，核实无资金链风险" } } }) # 风险项3: 涉诉记录 if req.litigation_count >= 2: risk_items.append({ "level": "medium", "title": "存在涉诉记录", "description": f"{req.customer_name}存在 {req.litigation_count} 起涉诉记录，需核实诉讼性质和金额。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第10条 - 法律风险评估", "page": 10, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.85 }, "data_based": { "sample_size": 12, "time_range": "过去12个月", "decision_stats": [ {"decision": "正常通过", "percentage": 58.3, "count": 7, "avg_processing_days": 4.0}, {"decision": "要求提供诉讼详情", "percentage": 33.3, "count": 4, "avg_processing_days": 6.5}, {"decision": "附加条件通过", "percentage": 8.3, "count": 1, "avg_processing_days": 8.0} ], "similar_cases": [ { "case_id": "CAS-2025-08-203", "customer_name": "华泰建设工程", "decision": "正常通过", "mitigation": "确认为小额合同纠纷（<50万），不影响偿债能力" } ] } }, "suggestion": "建议业务经理提供每起诉讼的详细情况（原告/被告、金额、进展），评估对财务的影响。", "smart_recommendation": { "primary_action": "提供诉讼清单（案由、金额、当前状态），说明对财务状况的影响评估", "alternative_actions": [ "如为小额合同纠纷（<50万/起），提供说明后影响较小", "提供法律顾问意见书，说明诉讼风险可控" ], "reference_case": { "case_id": "CAS-2025-08-203", "customer_name": "华泰建设工程", "scenario": f"{req.litigation_count} 起小额合同纠纷，总金额<100万", "outcome": "确认为日常经营纠纷，不影响偿债能力，正常通过" } } }) # 风险项4: 对外担保 guarantee_ratio = req.external_guarantee / req.amount if req.amount > 0 else 0 if guarantee_ratio >= 0.8: risk_items.append({ "level": "high", "title": "对外担保金额较大", "description": f"{req.customer_name}对外担保 {req.external_guarantee:.1f} 亿元，为本次申请金额的 {guarantee_ratio:.1f} 倍。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第11条 - 担保风险", "page": 11, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.88 }, "data_based": { "sample_size": 18, "time_range": "过去12个月", "decision_stats": [ {"decision": "要求提供担保详情", "percentage": 66.7, "count": 12, "avg_processing_days": 5.8}, {"decision": "降额通过", "percentage": 22.2, "count": 4, "avg_processing_days": 7.2}, {"decision": "附加条件通过", "percentage": 11.1, "count": 2, "avg_processing_days": 6.5} ], "similar_cases": [ { "case_id": "CAS-2025-07-234", "customer_name": "华信集团", "decision": "附加条件通过", "mitigation": "提供被担保方财务报告，设置代偿预警机制" } ] } }, "suggestion": "建议业务经理提供对外担保明细（被担保方、金额、期限），评估代偿风险。", "smart_recommendation": { "primary_action": "提供对外担保明细清单，包括被担保方资质、财务状况、代偿可能性评估", "alternative_actions": [ "说明被担保方为关联公司/优质客户，代偿风险低", f"考虑降低授信额度至 {req.amount * 0.8:.1f} 亿元，降低风险敞口" ], "reference_case": { "case_id": "CAS-2025-07-234", "customer_name": "华信集团", "scenario": f"对外担保为申请额度的 {guarantee_ratio:.1f} 倍", "outcome": "提供被担保方财务报告，设置代偿预警，附加条件通过" } } }) # 风险项5: 行业风险 if req.project_type == "对公新能源": risk_items.append({ "level": "medium", "title": "新能源行业政策依赖性", "description": f"{req.customer_name}属于新能源行业，收入可能依赖政府补贴，需关注补贴到位情况。", "evidence": { "rule_based": { "source": "《行业风险指引》第3条 - 新能源行业", "page": 3, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.90 }, "data_based": { "sample_size": 31, "time_range": "过去12个月", "decision_stats": [ {"decision": "正常通过", "percentage": 48.4, "count": 15, "avg_processing_days": 4.5}, {"decision": "要求补贴承诺函", "percentage": 38.7, "count": 12, "avg_processing_days": 6.2}, {"decision": "附加条件通过", "percentage": 12.9, "count": 4, "avg_processing_days": 7.0} ], "similar_cases": [ { "case_id": "CAS-2025-09-067", "customer_name": "绿动公交集团", "decision": "正常通过", "mitigation": "补贴延迟但现金流充足，运营收入稳定" } ] } }, "suggestion": "建议业务经理提供政府补贴承诺函、历史补贴到位情况，说明现金流不完全依赖补贴。", "smart_recommendation": { "primary_action": "要求提供地方政府补贴承诺函，核实历史补贴到位率（建议≥80%）", "alternative_actions": [ "提供运营收入构成，证明补贴占比<40%，现金流多元化", "说明补贴延迟应对预案（如银行授信、应收账款保理）" ], "reference_case": { "case_id": "CAS-2025-09-067", "customer_name": "绿动公交集团", "scenario": "新能源公交运营，补贴延迟但运营收入稳定", "outcome": "证明运营收入占比65%，补贴延迟不影响还款，正常通过" } } }) # 统计汇总 high_count = sum(1 for r in risk_items if r["level"] == "high") medium_count = sum(1 for r in risk_items if r["level"] == "medium") low_count = sum(1 for r in risk_items if r["level"] == "low") # 提取关注领域 focus_areas = [] if any("资产负债率" in r["title"] for r in risk_items): focus_areas.append("财务杠杆") if any("征信" in r["title"] for r in risk_items): focus_areas.append("信用状况") if any("涉诉" in r["title"] for r in risk_items): focus_areas.append("法律风险") if any("担保" in r["title"] for r in risk_items): focus_areas.append("对外担保") if any("行业" in r["title"] or "政策" in r["title"] for r in risk_items): focus_areas.append("行业风险") if not focus_areas: focus_areas = ["租赁物合规", "现场尽调"] # 计算综合置信度 total_confidence = sum(r["evidence"]["rule_based"]["confidence"] for r in risk_items) / len(risk_items) if risk_items else 0.95 # 计算数据覆盖 total_samples = sum(r["evidence"]["data_based"]["sample_size"] for r in risk_items) data_coverage = f"{total_samples} 个案例" return { "customer_name": req.customer_name, "analysis_timestamp": datetime.now().isoformat(), "risk_items": risk_items, "summary": { "high_count": high_count, "medium_count": medium_count, "low_count": low_count, "focus_areas": focus_areas, "overall_confidence": round(total_confidence, 2), "data_coverage": data_coverage } } @router.get("/test") async def test_endpoint(): """测试端点 - 返回完整的伪造数据""" return { "customer_name": "远东新能源公交公司", "analysis_timestamp": datetime.now().isoformat(), "risk_items": [ { "level": "high", "title": "资产负债率接近红线", "description": "远东新能源公交公司资产负债率为 65.0%，距离70%红线仅剩 5.0% 空间。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第12条", "page": 12, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.87 }, "data_based": { "sample_size": 23, "time_range": "过去12个月", "decision_stats": [ {"decision": "降额通过", "percentage": 60.9, "count": 14, "avg_processing_days": 4.2}, {"decision": "退回补充材料", "percentage": 26.1, "count": 6, "avg_processing_days": 7.5}, {"decision": "附加条件通过", "percentage": 13.0, "count": 3, "avg_processing_days": 5.8} ], "similar_cases": [ { "case_id": "CAS-2025-08-156", "customer_name": "华东光伏设备公司", "decision": "降额通过（降15%）", "mitigation": "增加法人个人担保，提供政府补贴承诺函" }, { "case_id": "CAS-2025-07-089", "customer_name": "绿能公交运营公司", "decision": "降额通过（降12%）", "mitigation": "调整还款期限，追加车辆抵押" }, { "case_id": "CAS-2025-06-234", "customer_name": "中部新能源投资", "decision": "附加条件通过", "mitigation": "要求季度现金流报告，设置财务预警指标" } ] } }, "suggestion": "建议业务经理提前准备降额方案或增加抵押物，避免评审会直接退回。", "smart_recommendation": { "primary_action": "主动降低授信额度12-15%（约 0.36-0.45 亿元），调整后负债率可控", "alternative_actions": [ "增加抵押物或第三方担保，覆盖率≥授信额度的20%（约 0.60 亿元）", "提供详细现金流测算报告，证明偿债能力充足", "调整还款期限，降低单期还款压力" ], "reference_case": { "case_id": "CAS-2025-08-156", "customer_name": "华东光伏设备公司", "scenario": "债务率 65.0%，新能源行业，申请 3.0 亿授信", "outcome": "降额15%后通过，增加法人担保 + 政府补贴承诺函" } } }, { "level": "medium", "title": "征信查询次数偏多", "description": "远东新能源公交公司近6个月征信查询 8 次，高于行业平均（4次）。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第8条 - 征信管理", "page": 8, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.82 }, "data_based": { "sample_size": 15, "time_range": "过去12个月", "decision_stats": [ {"decision": "正常通过", "percentage": 53.3, "count": 8, "avg_processing_days": 3.5}, {"decision": "要求补充说明", "percentage": 33.3, "count": 5, "avg_processing_days": 5.2}, {"decision": "降额通过", "percentage": 13.3, "count": 2, "avg_processing_days": 6.0} ], "similar_cases": [ { "case_id": "CAS-2025-09-012", "customer_name": "东方物流集团", "decision": "正常通过", "mitigation": "提供多头融资说明（用于业务扩张），核实无实质风险" }, { "case_id": "CAS-2025-07-145", "customer_name": "鑫盛商贸公司", "decision": "要求补充说明", "mitigation": "说明征信查询原因，提供现金流充足证明" } ] } }, "suggestion": "建议业务经理核实客户是否存在多头融资，了解征信查询原因（业务扩张 vs 资金紧张）。", "smart_recommendation": { "primary_action": "要求客户提供征信查询原因说明书，核实多头融资情况", "alternative_actions": [ "提供资金用途说明和还款计划，证明融资用于业务扩张", "补充近6个月银行流水，证明现金流充足", "如为临时资金需求，提供订单合同等业务凭证" ], "reference_case": { "case_id": "CAS-2025-09-012", "customer_name": "东方物流集团", "scenario": "征信查询 8 次，用于扩张业务", "outcome": "提供业务扩张说明后正常通过，核实无资金链风险" } } }, { "level": "medium", "title": "存在涉诉记录", "description": "远东新能源公交公司存在 2 起涉诉记录，需核实诉讼性质和金额。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第10条 - 法律风险评估", "page": 10, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.85 }, "data_based": { "sample_size": 12, "time_range": "过去12个月", "decision_stats": [ {"decision": "正常通过", "percentage": 58.3, "count": 7, "avg_processing_days": 4.0}, {"decision": "要求提供诉讼详情", "percentage": 33.3, "count": 4, "avg_processing_days": 6.5}, {"decision": "附加条件通过", "percentage": 8.3, "count": 1, "avg_processing_days": 8.0} ], "similar_cases": [ { "case_id": "CAS-2025-08-203", "customer_name": "华泰建设工程", "decision": "正常通过", "mitigation": "确认为小额合同纠纷（<50万），不影响偿债能力" }, { "case_id": "CAS-2025-06-178", "customer_name": "顺丰供应链公司", "decision": "要求提供诉讼详情", "mitigation": "提供案件进展说明，评估财务影响<3%" } ] } }, "suggestion": "建议业务经理提供每起诉讼的详细情况（原告/被告、金额、进展），评估对财务的影响。", "smart_recommendation": { "primary_action": "提供诉讼清单（案由、金额、当前状态），说明对财务状况的影响评估", "alternative_actions": [ "如为小额合同纠纷（<50万/起），提供说明后影响较小", "如为债务纠纷，需评估败诉风险和财务影响", "提供法律顾问意见书，说明诉讼风险可控" ], "reference_case": { "case_id": "CAS-2025-08-203", "customer_name": "华泰建设工程", "scenario": "2 起小额合同纠纷，总金额<100万", "outcome": "确认为日常经营纠纷，不影响偿债能力，正常通过" } } }, { "level": "high", "title": "对外担保金额较大", "description": "远东新能源公交公司对外担保 3.5 亿元，为本次申请金额的 1.2 倍。", "evidence": { "rule_based": { "source": "《融资租赁评审手册》第11条 - 担保风险", "page": 11, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.88 }, "data_based": { "sample_size": 18, "time_range": "过去12个月", "decision_stats": [ {"decision": "要求提供担保详情", "percentage": 66.7, "count": 12, "avg_processing_days": 5.8}, {"decision": "降额通过", "percentage": 22.2, "count": 4, "avg_processing_days": 7.2}, {"decision": "附加条件通过", "percentage": 11.1, "count": 2, "avg_processing_days": 6.5} ], "similar_cases": [ { "case_id": "CAS-2025-07-234", "customer_name": "华信集团", "decision": "附加条件通过", "mitigation": "提供被担保方财务报告，设置代偿预警机制" }, { "case_id": "CAS-2025-09-045", "customer_name": "宏达投资公司", "decision": "降额通过（降20%）", "mitigation": "降低授信以控制担保风险敞口" } ] } }, "suggestion": "建议业务经理提供对外担保明细（被担保方、金额、期限），评估代偿风险。", "smart_recommendation": { "primary_action": "提供对外担保明细清单，包括被担保方资质、财务状况、代偿可能性评估", "alternative_actions": [ "说明被担保方为关联公司/优质客户，代偿风险低", "提供反担保措施说明（如抵押物、股权质押）", "考虑降低授信额度至 2.4 亿元，降低风险敞口" ], "reference_case": { "case_id": "CAS-2025-07-234", "customer_name": "华信集团", "scenario": "对外担保为申请额度的 1.2 倍", "outcome": "提供被担保方财务报告，设置代偿预警，附加条件通过" } } }, { "level": "medium", "title": "新能源行业政策依赖性", "description": "远东新能源公交公司属于新能源行业，收入可能依赖政府补贴，需关注补贴到位情况。", "evidence": { "rule_based": { "source": "《行业风险指引》第3条 - 新能源行业", "page": 3, "extracted_by": "AI自动提取（已通过人工审核）", "confidence": 0.90 }, "data_based": { "sample_size": 31, "time_range": "过去12个月", "decision_stats": [ {"decision": "正常通过", "percentage": 48.4, "count": 15, "avg_processing_days": 4.5}, {"decision": "要求补贴承诺函", "percentage": 38.7, "count": 12, "avg_processing_days": 6.2}, {"decision": "附加条件通过", "percentage": 12.9, "count": 4, "avg_processing_days": 7.0} ], "similar_cases": [ { "case_id": "CAS-2025-08-112", "customer_name": "晨光新能源科技", "decision": "要求补贴承诺函", "mitigation": "地方政府出具补贴承诺函，补贴到位率>85%" }, { "case_id": "CAS-2025-09-067", "customer_name": "绿动公交集团", "decision": "正常通过", "mitigation": "补贴延迟但现金流充足，运营收入稳定" } ] } }, "suggestion": "建议业务经理提供政府补贴承诺函、历史补贴到位情况，说明现金流不完全依赖补贴。", "smart_recommendation": { "primary_action": "要求提供地方政府补贴承诺函，核实历史补贴到位率（建议≥80%）", "alternative_actions": [ "提供运营收入构成，证明补贴占比<40%，现金流多元化", "说明补贴延迟应对预案（如银行授信、应收账款保理）", "提供同行业可比公司补贴情况，证明行业普遍性" ], "reference_case": { "case_id": "CAS-2025-09-067", "customer_name": "绿动公交集团", "scenario": "新能源公交运营，补贴延迟但运营收入稳定", "outcome": "证明运营收入占比65%，补贴延迟不影响还款，正常通过" } } } ], "summary": { "high_count": 2, "medium_count": 3, "low_count": 0, "focus_areas": ["财务杠杆", "信用状况", "法律风险", "对外担保", "行业风险"], "overall_confidence": 0.86, "data_coverage": "99 个案例" } } @router.get("/health") async def health_check(): return {"status": "ok", "service": "风险研判助手（双轨驱动版）"}