618 lines
32 KiB
Python
618 lines
32 KiB
Python
"""
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Agent 1: 风险研判助手 API（双轨驱动版）
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"""
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from fastapi import APIRouter
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from pydantic import BaseModel
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from typing import List, Dict, Any, Optional, Union
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from datetime import datetime
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router = APIRouter(tags=["risk-assess"])
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# ==================== 请求/响应模型 ====================
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class RiskAssessRequest(BaseModel):
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customer_name: str
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project_type: str
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amount: float
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debt_ratio: float
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credit_query_count: int
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litigation_count: int
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external_guarantee: float
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# ==================== API端点 ====================
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@router.post("/analyze")
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async def analyze_risk(req: dict):
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"""风险研判分析（双轨驱动）- 返回伪造的完整数据"""
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# 直接从dict中获取数据
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customer_name = req.get("customer_name", "")
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project_type = req.get("project_type", "")
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amount = float(req.get("amount", 0))
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debt_ratio = float(req.get("debt_ratio", 0))
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credit_query_count = int(req.get("credit_query_count", 0))
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litigation_count = int(req.get("litigation_count", 0))
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external_guarantee = float(req.get("external_guarantee", 0))
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# 生成完整的伪造数据
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risk_items = []
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# 风险项1: 资产负债率
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if req.debt_ratio >= 0.60:
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risk_items.append({
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"level": "high",
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"title": "资产负债率接近红线",
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"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。",
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"evidence": {
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"rule_based": {
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"source": "《融资租赁评审手册》第12条",
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"page": 12,
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"extracted_by": "AI自动提取（已通过人工审核）",
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"confidence": 0.87
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},
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"data_based": {
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"sample_size": 23,
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"time_range": "过去12个月",
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"decision_stats": [
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{"decision": "降额通过", "percentage": 60.9, "count": 14, "avg_processing_days": 4.2},
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{"decision": "退回补充材料", "percentage": 26.1, "count": 6, "avg_processing_days": 7.5},
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{"decision": "附加条件通过", "percentage": 13.0, "count": 3, "avg_processing_days": 5.8}
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],
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"similar_cases": [
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{
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"case_id": "CAS-2025-08-156",
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"customer_name": "华东光伏设备公司",
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"decision": "降额通过（降15%）",
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"mitigation": "增加法人个人担保，提供政府补贴承诺函"
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},
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{
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"case_id": "CAS-2025-07-089",
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"customer_name": "绿能公交运营公司",
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"decision": "降额通过（降12%）",
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"mitigation": "调整还款期限，追加车辆抵押"
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},
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{
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"case_id": "CAS-2025-06-234",
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"customer_name": "中部新能源投资",
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"decision": "附加条件通过",
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"mitigation": "要求季度现金流报告，设置财务预警指标"
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}
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]
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}
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},
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"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。",
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"smart_recommendation": {
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"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",
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"alternative_actions": [
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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）",
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"提供详细现金流测算报告，证明偿债能力充足",
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"调整还款期限，降低单期还款压力"
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],
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"reference_case": {
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"case_id": "CAS-2025-08-156",
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"customer_name": "华东光伏设备公司",
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"scenario": f"债务率 {req.debt_ratio*100:.1f}%，新能源行业，申请 {req.amount:.1f} 亿授信",
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"outcome": "降额15%后通过，增加法人担保 + 政府补贴承诺函"
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}
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}
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})
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# 风险项2: 征信查询
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if req.credit_query_count >= 6:
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risk_items.append({
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"level": "medium",
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"title": "征信查询次数偏多",
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"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）。",
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"evidence": {
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"rule_based": {
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"source": "《融资租赁评审手册》第8条 - 征信管理",
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"page": 8,
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"extracted_by": "AI自动提取（已通过人工审核）",
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"confidence": 0.82
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},
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"data_based": {
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"sample_size": 15,
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"time_range": "过去12个月",
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"decision_stats": [
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{"decision": "正常通过", "percentage": 53.3, "count": 8, "avg_processing_days": 3.5},
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{"decision": "要求补充说明", "percentage": 33.3, "count": 5, "avg_processing_days": 5.2},
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{"decision": "降额通过", "percentage": 13.3, "count": 2, "avg_processing_days": 6.0}
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],
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"similar_cases": [
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{
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"case_id": "CAS-2025-09-012",
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"customer_name": "东方物流集团",
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"decision": "正常通过",
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"mitigation": "提供多头融资说明（用于业务扩张），核实无实质风险"
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}
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]
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}
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},
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"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）。",
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"smart_recommendation": {
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"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",
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"alternative_actions": [
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"提供资金用途说明和还款计划，证明融资用于业务扩张",
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"补充近6个月银行流水，证明现金流充足"
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],
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"reference_case": {
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"case_id": "CAS-2025-09-012",
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"customer_name": "东方物流集团",
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"scenario": f"征信查询 {req.credit_query_count} 次，用于扩张业务",
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"outcome": "提供业务扩张说明后正常通过，核实无资金链风险"
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}
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}
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})
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# 风险项3: 涉诉记录
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if req.litigation_count >= 2:
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risk_items.append({
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"level": "medium",
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"title": "存在涉诉记录",
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"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。",
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"evidence": {
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"rule_based": {
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"source": "《融资租赁评审手册》第10条 - 法律风险评估",
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"page": 10,
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"extracted_by": "AI自动提取（已通过人工审核）",
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"confidence": 0.85
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},
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"data_based": {
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"sample_size": 12,
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"time_range": "过去12个月",
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"decision_stats": [
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{"decision": "正常通过", "percentage": 58.3, "count": 7, "avg_processing_days": 4.0},
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{"decision": "要求提供诉讼详情", "percentage": 33.3, "count": 4, "avg_processing_days": 6.5},
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{"decision": "附加条件通过", "percentage": 8.3, "count": 1, "avg_processing_days": 8.0}
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],
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"similar_cases": [
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{
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"case_id": "CAS-2025-08-203",
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"customer_name": "华泰建设工程",
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"decision": "正常通过",
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"mitigation": "确认为小额合同纠纷（<50万），不影响偿债能力"
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}
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]
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}
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},
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"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。",
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"smart_recommendation": {
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"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",
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"alternative_actions": [
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"如为小额合同纠纷（<50万/起），提供说明后影响较小",
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"提供法律顾问意见书，说明诉讼风险可控"
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],
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"reference_case": {
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"case_id": "CAS-2025-08-203",
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"customer_name": "华泰建设工程",
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"scenario": f"{req.litigation_count} 起小额合同纠纷，总金额<100万",
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"outcome": "确认为日常经营纠纷，不影响偿债能力，正常通过"
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}
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}
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})
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# 风险项4: 对外担保
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guarantee_ratio = req.external_guarantee / req.amount if req.amount > 0 else 0
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if guarantee_ratio >= 0.8:
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risk_items.append({
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"level": "high",
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"title": "对外担保金额较大",
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"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。",
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"evidence": {
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"rule_based": {
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"source": "《融资租赁评审手册》第11条 - 担保风险",
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"page": 11,
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"extracted_by": "AI自动提取（已通过人工审核）",
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"confidence": 0.88
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},
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"data_based": {
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"sample_size": 18,
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"time_range": "过去12个月",
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"decision_stats": [
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{"decision": "要求提供担保详情", "percentage": 66.7, "count": 12, "avg_processing_days": 5.8},
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{"decision": "降额通过", "percentage": 22.2, "count": 4, "avg_processing_days": 7.2},
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{"decision": "附加条件通过", "percentage": 11.1, "count": 2, "avg_processing_days": 6.5}
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],
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"similar_cases": [
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{
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"case_id": "CAS-2025-07-234",
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"customer_name": "华信集团",
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"decision": "附加条件通过",
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"mitigation": "提供被担保方财务报告，设置代偿预警机制"
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}
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]
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}
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},
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"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。",
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"smart_recommendation": {
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"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",
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"alternative_actions": [
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"说明被担保方为关联公司/优质客户，代偿风险低",
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f"考虑降低授信额度至 {req.amount * 0.8:.1f} 亿元，降低风险敞口"
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],
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"reference_case": {
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"case_id": "CAS-2025-07-234",
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"customer_name": "华信集团",
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"scenario": f"对外担保为申请额度的 {guarantee_ratio:.1f} 倍",
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"outcome": "提供被担保方财务报告，设置代偿预警，附加条件通过"
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}
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}
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})
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# 风险项5: 行业风险
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if req.project_type == "对公新能源":
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risk_items.append({
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"level": "medium",
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"title": "新能源行业政策依赖性",
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"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。",
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"evidence": {
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"rule_based": {
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"source": "《行业风险指引》第3条 - 新能源行业",
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"page": 3,
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"extracted_by": "AI自动提取（已通过人工审核）",
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"confidence": 0.90
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},
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"data_based": {
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"sample_size": 31,
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"time_range": "过去12个月",
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"decision_stats": [
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{"decision": "正常通过", "percentage": 48.4, "count": 15, "avg_processing_days": 4.5},
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{"decision": "要求补贴承诺函", "percentage": 38.7, "count": 12, "avg_processing_days": 6.2},
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{"decision": "附加条件通过", "percentage": 12.9, "count": 4, "avg_processing_days": 7.0}
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],
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"similar_cases": [
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{
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"case_id": "CAS-2025-09-067",
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"customer_name": "绿动公交集团",
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"decision": "正常通过",
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"mitigation": "补贴延迟但现金流充足，运营收入稳定"
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}
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]
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}
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},
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"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。",
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"smart_recommendation": {
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"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%）",
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"alternative_actions": [
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"提供运营收入构成，证明补贴占比<40%，现金流多元化",
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"说明补贴延迟应对预案（如银行授信、应收账款保理）"
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],
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"reference_case": {
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"case_id": "CAS-2025-09-067",
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"customer_name": "绿动公交集团",
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"scenario": "新能源公交运营，补贴延迟但运营收入稳定",
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"outcome": "证明运营收入占比65%，补贴延迟不影响还款，正常通过"
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}
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}
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})
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# 统计汇总
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high_count = sum(1 for r in risk_items if r["level"] == "high")
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medium_count = sum(1 for r in risk_items if r["level"] == "medium")
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low_count = sum(1 for r in risk_items if r["level"] == "low")
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# 提取关注领域
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focus_areas = []
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if any("资产负债率" in r["title"] for r in risk_items):
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focus_areas.append("财务杠杆")
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if any("征信" in r["title"] for r in risk_items):
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focus_areas.append("信用状况")
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if any("涉诉" in r["title"] for r in risk_items):
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focus_areas.append("法律风险")
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if any("担保" in r["title"] for r in risk_items):
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focus_areas.append("对外担保")
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if any("行业" in r["title"] or "政策" in r["title"] for r in risk_items):
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focus_areas.append("行业风险")
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if not focus_areas:
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focus_areas = ["租赁物合规", "现场尽调"]
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# 计算综合置信度
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total_confidence = sum(r["evidence"]["rule_based"]["confidence"] for r in risk_items) / len(risk_items) if risk_items else 0.95
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# 计算数据覆盖
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total_samples = sum(r["evidence"]["data_based"]["sample_size"] for r in risk_items)
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data_coverage = f"{total_samples} 个案例"
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return {
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"customer_name": req.customer_name,
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"analysis_timestamp": datetime.now().isoformat(),
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"risk_items": risk_items,
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"summary": {
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"high_count": high_count,
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"medium_count": medium_count,
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"low_count": low_count,
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"focus_areas": focus_areas,
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"overall_confidence": round(total_confidence, 2),
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"data_coverage": data_coverage
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}
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}
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@router.get("/test")
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async def test_endpoint():
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"""测试端点 - 返回完整的伪造数据"""
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return {
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"customer_name": "远东新能源公交公司",
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"analysis_timestamp": datetime.now().isoformat(),
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"risk_items": [
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{
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"level": "high",
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"title": "资产负债率接近红线",
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"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。",
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"evidence": {
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"rule_based": {
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"source": "《融资租赁评审手册》第12条",
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"page": 12,
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"extracted_by": "AI自动提取（已通过人工审核）",
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"confidence": 0.87
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},
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"data_based": {
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"sample_size": 23,
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"time_range": "过去12个月",
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"decision_stats": [
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{"decision": "降额通过", "percentage": 60.9, "count": 14, "avg_processing_days": 4.2},
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{"decision": "退回补充材料", "percentage": 26.1, "count": 6, "avg_processing_days": 7.5},
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{"decision": "附加条件通过", "percentage": 13.0, "count": 3, "avg_processing_days": 5.8}
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],
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"similar_cases": [
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{
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"case_id": "CAS-2025-08-156",
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"customer_name": "华东光伏设备公司",
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"decision": "降额通过（降15%）",
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"mitigation": "增加法人个人担保，提供政府补贴承诺函"
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},
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{
|
||
"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）"}
|