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feat: 完成三角色工作台及金租对公Skills全流程演示

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NathanAlex7
2026-09-15 10:32:24 +08:00
parent 5f0b1f9409
commit 47ec090345
58 changed files with 2534 additions and 609 deletions
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backend/api/risk_agent_config.py
+232 -6
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@@ -17,9 +17,11 @@ from pydantic import BaseModel, Field
from api.risk_agent_access import authorize, check_project, visible_result
from api.risk_agent_alignment import align
from api.risk_agent_connectors import execute
from services.business_demo_database import DEFAULT_PATH as BUSINESS_DB_PATH, build_business_demo_database
router = APIRouter(prefix="/api/xingbang/risk-agent", tags=["风险研判 Agent"], dependencies=[Depends(authorize)])
DB_PATH = Path(__file__).resolve().parents[1] / "xingbang_data" / "risk_agent.sqlite3"
SKILLS_BASE_DIR = Path(__file__).resolve().parents[1]
SEED = {
"connections": [{"id":"conn-erp","name":"核心 ERP 只读库","type":"PostgreSQL","host":"10.20.8.16","database":"xb_erp","status":"healthy","latency":38,"updated":"今天 09:42"}],
@@ -74,19 +76,192 @@ for plan in SEED["plans"]:
plan.update(runs=0, status="published")
plan["skills"] = [x for x in plan["skills"] if x != "skill-trend"]
BUSINESS_TABLES = [
"corporate_customer", "lease_project", "financing_scheme", "financial_statement",
"lease_asset", "insurance_policy", "guarantee_measure", "credit_snapshot",
"legal_case", "repayment_source", "project_document",
]
SEED["connections"].append({
"id": "conn-business-demo", "name": "对公租赁多表业务库（演示）", "type": "SQLite",
"database": str(BUSINESS_DB_PATH), "data_domain": "demo", "allowed_tables": BUSINESS_TABLES,
"timeout": 10, "max_rows": 500, "status": "published", "latency": None,
"updated": "随演示库自动生成",
})
SEED["cards"].extend([
{
"id": "card-business-project", "name": "项目与授信方案", "category": "项目",
"description": "从客户、项目和当前融资方案三张表读取项目基础事实",
"connection": "conn-business-demo", "tables": ["corporate_customer", "lease_project", "financing_scheme"],
"parameter": "project_id", "sql": """SELECT p.project_id, c.customer_name, f.facility_amount, f.facility_term_months
FROM lease_project p
JOIN corporate_customer c ON c.customer_id = p.customer_id
JOIN financing_scheme f ON f.project_id = p.project_id AND f.status = '生效'
WHERE p.project_id = :project_id""",
"grain": "每个项目一条当前生效方案", "mapping": {
"project.id": "project_id", "customer.name": "customer_name",
"facility.amount": "facility_amount", "facility.term": "facility_term_months",
},
"field_units": {"facility.amount": "万元"},
"alignment": {"project_field": "project_id", "selection": "single"},
"skills": ["skill-quality"], "status": "published", "version": "v1.0", "coverage": None, "lastRun": "尚未运行",
},
{
"id": "card-business-finance", "name": "多期财务报表", "category": "财务",
"description": "按项目读取多期合并报表，由数据卡选择最新一期并保留历史记录",
"connection": "conn-business-demo", "tables": ["financial_statement"], "parameter": "project_id",
"sql": """SELECT project_id, period, scope, currency_unit, total_assets, total_liabilities, operating_cashflow
FROM financial_statement
WHERE project_id = :project_id
ORDER BY period""",
"grain": "项目 + 期间 + 口径", "mapping": {
"financial.period": "period", "financial.scope": "scope",
"financial.total_assets": "total_assets", "financial.total_liabilities": "total_liabilities",
"financial.operating_cashflow": "operating_cashflow",
},
"field_units": {"financial.total_assets": "万元", "financial.total_liabilities": "万元", "financial.operating_cashflow": "万元"},
"alignment": {"project_field": "project_id", "period_field": "period", "scope_field": "scope", "selection": "latest", "target_scope": "合并"},
"skills": ["skill-quality", "skill-finance"], "status": "published", "version": "v1.0", "coverage": None, "lastRun": "尚未运行",
},
{
"id": "card-business-credit", "name": "征信与涉诉汇总", "category": "征信",
"description": "读取最新征信快照，并汇总项目涉诉数量和金额",
"connection": "conn-business-demo", "tables": ["credit_snapshot", "legal_case"], "parameter": "project_id",
"sql": """SELECT c.project_id, c.report_date, c.overdue_count, c.query_count_6m,
COUNT(l.case_id) AS legal_case_count, COALESCE(SUM(l.amount), 0) AS legal_amount
FROM credit_snapshot c
LEFT JOIN legal_case l ON l.project_id = c.project_id
WHERE c.project_id = :project_id
AND c.report_date = (SELECT MAX(c2.report_date) FROM credit_snapshot c2 WHERE c2.project_id = :project_id)
GROUP BY c.project_id, c.report_date, c.overdue_count, c.query_count_6m""",
"grain": "项目 + 征信报告日期", "mapping": {
"credit.report_date": "report_date", "credit.overdue_count": "overdue_count",
"credit.query_count_6m": "query_count_6m", "legal.case_count": "legal_case_count", "legal.amount": "legal_amount",
},
"field_units": {"legal.amount": "万元"},
"period": "最新征信", "alignment": {"project_field": "project_id", "selection": "single"},
"skills": ["skill-quality", "skill-credit"], "status": "published", "version": "v1.0", "coverage": None, "lastRun": "尚未运行",
},
{
"id": "card-business-lease", "name": "租赁物与增信汇总", "category": "增信",
"description": "按项目汇总租赁物价值、重复编号、保险、保证和保证金",
"connection": "conn-business-demo", "tables": ["lease_project", "lease_asset", "insurance_policy", "guarantee_measure"],
"parameter": "project_id", "sql": """WITH asset_summary AS (
SELECT project_id, SUM(appraised_value) AS lease_total_value,
COUNT(*) - COUNT(DISTINCT serial_no) AS duplicate_asset_count
FROM lease_asset GROUP BY project_id
), policy_summary AS (
SELECT project_id, SUM(insured_amount) AS insurance_amount
FROM insurance_policy WHERE status = '有效' GROUP BY project_id
), guarantee_summary AS (
SELECT project_id,
SUM(CASE WHEN guarantee_type = '保证金' THEN guarantee_amount ELSE 0 END) AS deposit_amount,
SUM(CASE WHEN guarantee_type <> '保证金' THEN guarantee_amount ELSE 0 END) AS guarantee_amount
FROM guarantee_measure GROUP BY project_id
)
SELECT p.project_id, a.lease_total_value, a.duplicate_asset_count,
COALESCE(i.insurance_amount, 0) AS insurance_amount,
COALESCE(g.deposit_amount, 0) AS deposit_amount,
COALESCE(g.guarantee_amount, 0) AS guarantee_amount
FROM lease_project p
LEFT JOIN asset_summary a ON a.project_id = p.project_id
LEFT JOIN policy_summary i ON i.project_id = p.project_id
LEFT JOIN guarantee_summary g ON g.project_id = p.project_id
WHERE p.project_id = :project_id""",
"grain": "每个项目一条增信汇总", "mapping": {
"lease.total_value": "lease_total_value", "lease.duplicate_count": "duplicate_asset_count",
"insurance.amount": "insurance_amount", "deposit.amount": "deposit_amount", "guarantee.amount": "guarantee_amount",
},
"field_units": {"lease.total_value": "万元", "insurance.amount": "万元", "deposit.amount": "万元", "guarantee.amount": "万元"},
"alignment": {"project_field": "project_id", "selection": "single"},
"skills": ["skill-quality", "skill-coverage"], "status": "published", "version": "v1.0", "coverage": None, "lastRun": "尚未运行",
},
{
"id": "card-business-repayment", "name": "还款来源与材料", "category": "还款",
"description": "读取项目还款来源、预计金额和佐证材料状态",
"connection": "conn-business-demo", "tables": ["repayment_source"], "parameter": "project_id",
"sql": """SELECT project_id, source_type, annual_amount, evidence_status,
CASE WHEN source_type = '特定项目回款' THEN 'true' ELSE 'false' END AS collection_dependency
FROM repayment_source
WHERE project_id = :project_id""",
"grain": "项目 + 还款来源", "mapping": {
"collection.dependency": "collection_dependency", "collection.evidence": "evidence_status",
"repayment.annual_amount": "annual_amount", "repayment.source_type": "source_type",
},
"field_units": {"repayment.annual_amount": "万元"},
"alignment": {"project_field": "project_id", "selection": "single"},
"skills": ["skill-quality"], "status": "published", "version": "v1.0", "coverage": None, "lastRun": "尚未运行",
},
])
SEED["plans"].append({
"id": "plan-business-sql", "name": "对公多表业务库预审", "description": "通过受控 SQL 从多张业务表读取项目、财务、征信、租赁物和还款来源",
"cards": ["card-business-project", "card-business-finance", "card-business-credit", "card-business-lease", "card-business-repayment"],
"skills": ["skill-quality", "skill-finance", "skill-credit", "skill-coverage"], "rules": ["rules-corporate"],
"status": "published", "version": "v1.0", "runs": 0,
})
FINANCIAL_LEASING_SKILLS = [
{
"id": "skill-fl-lessee", "name": "承租人及还款能力核查", "category": "承租人尽调",
"description": "核查经营、财务、信用、还款来源及尽调证据是否足以支持送审",
"engine": "model", "mode": "mini-openclaw + 本地模型", "inputs": [
"customer.name", "financial.total_assets", "financial.total_liabilities",
"financial.operating_cashflow", "repayment.source_type", "repayment.annual_amount",
"collection.evidence", "credit.report_date", "credit.overdue_count", "legal.case_count", "legal.amount",
], "output": "advisory.lessee", "instructions": "按承租人尽调方法核查第一还款来源、经营财务、征信涉诉和资料真实性，逐项引用证据。",
"native_skills": ["financial-leasing-lessee-review/SKILL.md"], "status": "published", "version": "v1.0",
},
{
"id": "skill-fl-asset", "name": "租赁物适格性与权属核查", "category": "租赁物核验",
"description": "核查租赁物真实性、权属、特定化、价值、保险和可处置性",
"engine": "model", "mode": "mini-openclaw + 本地模型", "inputs": ["lease.total_value", "lease.duplicate_count", "insurance.amount", "facility.amount"],
"output": "advisory.lease_asset", "instructions": "逐项核对租赁物适格性、权属、设备标识、估值与保险证据，不作权属或审批结论。",
"native_skills": ["financial-leasing-asset-review/SKILL.md"], "status": "published", "version": "v1.0",
},
{
"id": "skill-fl-sale-leaseback", "name": "售后回租真实性核查", "category": "售后回租",
"description": "核查原始权属、所有权转移、估值、融资需求和资金用途真实性",
"engine": "model", "mode": "mini-openclaw + 本地模型", "inputs": ["facility.amount", "lease.total_value", "repayment.source_type", "collection.evidence"],
"output": "advisory.sale_leaseback", "instructions": "先判断是否适用售后回租，再核查原始权属、转移、估值、融资需求和资金用途证据。",
"native_skills": ["financial-leasing-sale-leaseback-review/SKILL.md"], "status": "published", "version": "v1.0",
},
{
"id": "skill-fl-guarantee", "name": "增信、关联交易与集中度核查", "category": "增信与集中度",
"description": "核查保证与抵质押有效性，识别关联关系和集中度数据缺口",
"engine": "model", "mode": "mini-openclaw + 本地模型", "inputs": ["guarantee.amount", "deposit.amount", "insurance.amount", "legal.case_count", "credit.overdue_count"],
"output": "advisory.guarantee", "instructions": "分开评价各类增信，穿透关联方，并明确集中度判断所需的组合数据。",
"native_skills": ["financial-leasing-guarantee-concentration/SKILL.md"], "status": "published", "version": "v1.0",
},
{
"id": "skill-fl-review-report", "name": "独立评审与报告证据核查", "category": "评审报告",
"description": "将数据来源、AI判断、评审员意见和最终报告逐项建立证据对应",
"engine": "model", "mode": "mini-openclaw + 本地模型", "inputs": [], "output": "advisory.review_report",
"instructions": "全链路独立复核并形成可追溯报告候选，不覆盖人工确认内容。",
"native_skills": ["financial-leasing-review-report/SKILL.md"], "status": "published", "version": "v1.0",
},
]
SEED["skills"].extend(FINANCIAL_LEASING_SKILLS)
SEED["plans"].append({
"id": "plan-financial-leasing-corporate", "name": "金租对公项目全链路预审",
"description": "按现行金租监管框架核查承租人、租赁物、售后回租、增信与集中度",
"cards": ["card-business-project", "card-business-finance", "card-business-credit", "card-business-lease", "card-business-repayment"],
"skills": ["skill-quality", "skill-finance", "skill-credit", "skill-coverage", "skill-fl-lessee", "skill-fl-asset", "skill-fl-sale-leaseback", "skill-fl-guarantee"],
"rules": ["rules-corporate"], "status": "published", "version": "v1.0", "runs": 0,
})
def _now(): return datetime.now(timezone.utc).isoformat()
@contextmanager
def _db():
build_business_demo_database()
DB_PATH.parent.mkdir(parents=True, exist_ok=True)
db=sqlite3.connect(DB_PATH); db.execute("CREATE TABLE IF NOT EXISTS catalog (kind TEXT, id TEXT, body TEXT, PRIMARY KEY(kind,id))")
db.execute("CREATE TABLE IF NOT EXISTS runs (id TEXT PRIMARY KEY, body TEXT)")
db.execute("CREATE TABLE IF NOT EXISTS revisions (kind TEXT, id TEXT, version TEXT, body TEXT)")
db.execute("CREATE TABLE IF NOT EXISTS reviews (id TEXT PRIMARY KEY, kind TEXT, item_id TEXT, body TEXT)")
db.execute("CREATE TABLE IF NOT EXISTS audit (time TEXT, actor TEXT, action TEXT, detail TEXT)")
if not db.execute("SELECT 1 FROM catalog LIMIT 1").fetchone():
for kind, rows in SEED.items():
for row in rows: db.execute("INSERT INTO catalog VALUES (?,?,?)",(kind,row["id"],json.dumps(row,ensure_ascii=False)))
db.commit()
for kind, rows in SEED.items():
for row in rows:
db.execute("INSERT OR IGNORE INTO catalog VALUES (?,?,?)",(kind,row["id"],json.dumps(row,ensure_ascii=False)))
db.commit()
try:
with db:
yield db
@@ -127,7 +302,7 @@ def validate(kind, body):
raise HTTPException(422,"原生 Skills 必须为勾选列表")
if native:
from tools.skills_scanner import discover_skills
available={s["id"] for s in discover_skills(Path(__file__).resolve().parents[1])}
available={s["id"] for s in discover_skills(SKILLS_BASE_DIR)}
if not set(native).issubset(available): raise HTTPException(422,"所选原生 Skill 已不存在")
if kind == "skills" and body.get("engine")=="ratio":
if not all(isinstance(body.get(k),str) and body[k].strip() for k in ("numerator","denominator","output")):
@@ -172,7 +347,58 @@ def context(request:Request):
@router.get("/native-skills/list")
def native_skills():
from tools.skills_scanner import discover_skills
return [{k:s[k] for k in ("id","name","description")} for s in discover_skills(Path(__file__).resolve().parents[1])]
return [{k:s[k] for k in ("id","name","description")} for s in discover_skills(SKILLS_BASE_DIR)]
class NativeSkillUpload(BaseModel):
skill_md: str = Field(min_length=1, max_length=65536)
class NativeSkillImport(BaseModel):
skills: list[NativeSkillUpload] = Field(min_length=1, max_length=20)
@router.post("/native-skills/import", status_code=201)
def import_native_skills(payload: NativeSkillImport, request: Request):
if request.state.identity["role"] != "admin":
raise HTTPException(403, "仅配置管理员可以导入本地 Skill")
from tools.skills_scanner import install_skill, parse_skill, skill_slug
prepared = []
for uploaded in payload.skills:
try:
meta = parse_skill(uploaded.skill_md)
prepared.append((uploaded.skill_md, meta, skill_slug(meta)))
except ValueError as exc:
raise HTTPException(422, str(exc)) from exc
if len({slug for _, _, slug in prepared}) != len(prepared):
raise HTTPException(409, "所选文件夹中存在同名 Skill")
imported = []
with _db() as db:
existing = {item["id"] for item in _all(db, "skills")}
skill_root = SKILLS_BASE_DIR / "skills" / "imported"
for _, _, slug in prepared:
if (skill_root / slug / "SKILL.md").exists() or "skill-native-" + slug in existing:
raise HTTPException(409, f"同名 Skill 已存在：{slug}")
for content, meta, slug in prepared:
try:
installed = install_skill(SKILLS_BASE_DIR, content)
except FileExistsError as exc:
raise HTTPException(409, str(exc)) from exc
except (OSError, ValueError) as exc:
raise HTTPException(422, str(exc)) from exc
item_id = "skill-native-" + slug
display_name = meta.get("display_name", meta["name"])
body = {
"id": item_id, "name": str(display_name)[:120], "category": str(meta.get("category", "本地导入"))[:40],
"description": meta["description"], "engine": "model", "mode": "mini-openclaw + 本地模型",
"inputs": meta.get("inputs", []), "output": str(meta.get("output", "advisory." + slug.replace("-", "_"))),
"instructions": str(meta.get("instructions", meta["description"])), "native_skills": [installed["legacy_id"]],
"status": "published" if request.state.identity["preview"] else "draft",
"version": str(meta.get("version", "v1")), "source": "local-folder", "updatedAt": _now(),
"edited_by": request.state.identity["id"],
}
persist(db, "skills", body)
audit(db, request, "native_skill_import", {"id": item_id, "native_skill": installed["legacy_id"], "status": body["status"]})
existing.add(item_id)
imported.append(body)
return {"count": len(imported), "skills": imported}
def audit(db, request, action, detail):
db.execute("INSERT INTO audit VALUES (?,?,?,?)",(_now(),request.state.identity["id"],action,json.dumps(detail,ensure_ascii=False)))