170 lines
9.2 KiB
Python
170 lines
9.2 KiB
Python
"""Decision-record prototype: shared, persisted project state; no external model calls."""
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import json
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import sqlite3
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from datetime import datetime, timezone
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from pathlib import Path
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from uuid import uuid4
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from fastapi import APIRouter, HTTPException
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from pydantic import BaseModel, Field
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router = APIRouter(prefix="/api/xingbang/workspace", tags=["兴邦方案工作台（演示）"])
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DB_PATH = Path(__file__).resolve().parents[1] / "xingbang_data" / "workspace.sqlite3"
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def now():
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return datetime.now(timezone.utc).isoformat()
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def connect():
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DB_PATH.parent.mkdir(parents=True, exist_ok=True)
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db = sqlite3.connect(DB_PATH)
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db.execute("CREATE TABLE IF NOT EXISTS projects (id TEXT PRIMARY KEY, body TEXT NOT NULL)")
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return db
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def get(db, project_id):
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row = db.execute("SELECT body FROM projects WHERE id=?", (project_id,)).fetchone()
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if not row:
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raise HTTPException(404, "项目不存在")
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return json.loads(row[0])
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def save(db, project):
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db.execute("INSERT OR REPLACE INTO projects VALUES (?,?)", (project["id"], json.dumps(project, ensure_ascii=False)))
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class ProjectInput(BaseModel):
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name: str = Field(min_length=1, max_length=120)
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client: str = Field(min_length=1, max_length=120)
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amount: float = Field(gt=0, allow_inf_nan=False)
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assets: float | None = Field(default=None, gt=0, allow_inf_nan=False)
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liabilities: float | None = Field(default=None, ge=0, allow_inf_nan=False)
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lease_value: float | None = Field(default=None, ge=0, allow_inf_nan=False)
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insurance: float | None = Field(default=None, ge=0, allow_inf_nan=False)
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class Action(BaseModel):
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kind: str
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target: str = ""
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note: str = Field(default="", max_length=4000)
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actor: str = Field(min_length=1, max_length=80)
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amount: float | None = Field(default=None, gt=0, allow_inf_nan=False)
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def assess(project):
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snapshot = project["snapshots"][-1]
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data = snapshot["data"]
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items = []
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rules = [
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("debt", "资产负债率", ["liabilities", "assets"], "负债总额 / 资产总额", 0.7, "gt"),
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("lease", "租赁物价值覆盖", ["lease_value", "amount"], "租赁物价值 / 授信金额", 1.2, "lt"),
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("insurance", "保额覆盖", ["insurance", "amount"], "保额 / 授信金额", 1, "lt"),
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]
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for key, title, fields, formula, threshold, op in rules:
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missing = [f for f in fields if data.get(f) is None]
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value = None if missing else round(data[fields[0]] / data[fields[1]], 6)
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triggered = value is not None and (value > threshold if op == "gt" else value < threshold)
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items.append({"id": key, "title": title, "value": value,
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"category": "信息缺失" if missing else "待核查疑点" if triggered else "指标未触发（非无风险）",
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"status": "待复核", "note": "", "evidence": {"snapshot": snapshot["id"],
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"source": snapshot["source"], "time": snapshot["time"], "fields": {f: data.get(f) for f in fields},
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"formula": formula, "rule_version": "demo-1", "threshold": threshold,
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"operator": op, "basis": "演示阈值，非兴邦正式制度"}})
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project["risks"] = items
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project["assessment_snapshot"] = snapshot["id"]
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project["stale"] = False
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return items
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@router.get("/projects")
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def projects():
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with connect() as db:
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return [json.loads(row[0]) for row in db.execute("SELECT body FROM projects ORDER BY rowid DESC")]
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@router.post("/projects")
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def create(data: ProjectInput):
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project = {"id": uuid4().hex, "name": data.name, "client": data.client, "mode": "演示 / 人工录入",
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"snapshots": [], "risks": [], "tasks": [], "reports": [], "cards": [], "audit": [], "stale": True}
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project["snapshots"].append({"id": uuid4().hex, "time": now(), "source": "人工录入（未接入ERP）",
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"template_version": "manual-1", "mapping_version": "manual-1",
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"unit": "万元", "data": data.model_dump()})
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with connect() as db:
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save(db, project)
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return project
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@router.post("/projects/{project_id}/actions")
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def action(project_id: str, request: Action):
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with connect() as db:
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db.execute("BEGIN IMMEDIATE")
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p = get(db, project_id)
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k = request.kind
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if k == "assess":
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if any(r["status"] != "待复核" for r in p["risks"]) and not p["stale"]:
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raise HTTPException(409, "已有人工判断；请保留当前结果，数据变更后再重新研判")
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previous = p["risks"]
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assess(p)
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p["comparison"] = [{"title": r["title"], "before": next((x["category"] for x in previous if x["id"] == r["id"]), "首次研判"), "after": r["category"]} for r in p["risks"]]
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elif k == "change":
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if request.amount is None or not request.note.strip():
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raise HTTPException(422, "请填写新额度和变更原因")
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data = dict(p["snapshots"][-1]["data"], amount=request.amount)
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p["snapshots"].append(dict(p["snapshots"][-1], id=uuid4().hex, time=now(), data=data))
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p["stale"] = True
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p["impacts"] = ["租赁物价值覆盖率", "保额覆盖率", "担保与保证金条件（待人工复核）", "报告授信方案与风险章节"]
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for report in p["reports"]:
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report["stale"] = True
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elif k in ("confirm", "reject", "task"):
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if p["stale"]:
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raise HTTPException(409, "请先对当前快照重新研判")
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risk = next((r for r in p["risks"] if r["id"] == request.target), None)
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if not risk or not request.note.strip():
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raise HTTPException(422, "请选择风险项并填写判断依据或补件要求")
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if k == "task":
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p["tasks"].append({"id": uuid4().hex, "risk": risk["title"], "owner": request.actor,
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"requirement": request.note, "status": "待提交", "snapshot": p["snapshots"][-1]["id"]})
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else:
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risk.update(status="人工确认" if k == "confirm" else "人工驳回", note=request.note, actor=request.actor)
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elif k in ("submit_task", "close_task"):
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task = next((t for t in p["tasks"] if t["id"] == request.target), None)
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if not task or not request.note.strip():
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raise HTTPException(422, "请提供任务及处理说明")
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expected = "待提交" if k == "submit_task" else "已提交待确认"
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if task["status"] != expected:
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raise HTTPException(409, "任务状态不允许此操作")
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task.update(status="已提交待确认" if k == "submit_task" else "已解决", note=request.note, actor=request.actor)
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elif k == "report":
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if p["stale"] or not p["risks"] or any(r["status"] == "待复核" for r in p["risks"]):
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raise HTTPException(409, "请先完成当前快照的研判和逐项人工复核")
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snapshot = p["snapshots"][-1]
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body = f"# {p['name']} 评审材料草稿\n\n客户：{p['client']}\n\n授信金额：{snapshot['data']['amount']} 万元\n\n数据来源：人工录入；快照：{snapshot['id']}\n\n"
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body += "\n\n".join(f"## {r['title']}\n{r['category']} / {r['status']}\n\n判断：{r['note']}\n\n证据：{json.dumps(r['evidence'], ensure_ascii=False)}" for r in p["risks"])
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body += "\n\n审批结果、法律有效性、附件原文及租后表现：待补充。本文使用演示规则，不能作为正式审批依据。"
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p["reports"].append({"id": uuid4().hex, "body": body, "snapshot": snapshot["id"], "stale": False, "status": "草稿"})
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elif k == "finalize":
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report = next((r for r in p["reports"] if r["id"] == request.target), None)
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if not report or report["stale"] or report["status"] != "草稿" or not request.note.strip():
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raise HTTPException(409, "仅当前版本草稿可定稿，且需填写确认意见")
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report.update(status="已定稿", actor=request.actor, note=request.note)
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p["cards"].append({"id": uuid4().hex, "status": "草稿", "report": report["id"], "snapshot": report["snapshot"],
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"facts": json.loads(json.dumps(p["risks"])), "history": [], "outcome": ""})
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elif k == "card":
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card = next((c for c in p["cards"] if c["id"] == request.target), None)
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if not card or not request.note.strip():
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raise HTTPException(422, "请选择经验卡并填写审核依据或租后结果")
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states = ["草稿", "主审员已确认", "部门审核", "可检索", "已验证", "已过期/归档"]
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index = states.index(card["status"])
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if index == len(states) - 1:
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raise HTTPException(409, "经验卡已归档")
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card["status"] = states[index + 1]
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card["history"].append({"status": card["status"], "actor": request.actor, "note": request.note, "time": now()})
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if card["status"] == "已验证":
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card["outcome"] = request.note
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else:
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raise HTTPException(422, "不支持的操作")
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p["audit"].append({"time": now(), **request.model_dump()})
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save(db, p)
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return p
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