baodan/api/insurance/ppt/comparison.py

"""多份保险计划书的确定性对比计算。"""
from __future__ import annotations

from typing import Iterable

from insurance.ppt.irr import compute_irr_ma, ia_irr_cap


DEFAULT_COMPARISON_YEARS = [5, 10, 20, 30]
MAX_COMPARISON_PRODUCTS = 4


def build_comparison_contract(
    products: list[dict],
    mode: str = "single",
    comparison_years: Iterable[int] | None = None,
) -> dict:
    """将归一化产品转换为渲染器可直接使用的对比契约。"""
    normalized_mode = (mode or "single").lower()
    if normalized_mode not in {"single", "compare", "portfolio"}:
        raise ValueError("generationMode 必须是 single、compare 或 portfolio")

    if normalized_mode == "single":
        return {"mode": "single", "products": [], "years": [], "warnings": []}

    if len(products) < 2:
        raise ValueError("产品对比或组合方案至少需要 2 份有效计划书")
    if len(products) > MAX_COMPARISON_PRODUCTS:
        raise ValueError(f"一次最多对比 {MAX_COMPARISON_PRODUCTS} 份计划书")

    years = _normalize_years(comparison_years)
    kinds = {str(p.get("kind") or "").lower() for p in products}
    currencies = {
        str((p.get("policy") or {}).get("currency") or "").upper()
        for p in products
        if (p.get("policy") or {}).get("currency")
    }
    warnings: list[str] = []

    if normalized_mode == "compare":
        if len(kinds) != 1:
            raise ValueError("不同险种不能直接横向排名，请选择“组合方案”模式")
        if len(currencies) > 1:
            raise ValueError("不同币种不能直接比较，请上传相同币种的计划书")
    elif len(currencies) > 1:
        warnings.append("组合中包含不同币种，金额仅分别展示，不计算合计")

    insured_signatures = {
        (
            (p.get("insured") or {}).get("age"),
            str((p.get("insured") or {}).get("gender") or "").lower(),
        )
        for p in products
    }
    if len(insured_signatures) > 1:
        warnings.append("计划书的受保人年龄或性别不一致，比较结论需谨慎使用")

    return {
        "mode": normalized_mode,
        "years": years,
        "currency": next(iter(currencies), ""),
        "productKinds": sorted(kinds),
        "products": [_build_product_metrics(product, years) for product in products],
        "warnings": warnings,
    }


def _normalize_years(years: Iterable[int] | None) -> list[int]:
    values = []
    for value in years or DEFAULT_COMPARISON_YEARS:
        try:
            year = int(value)
        except (TypeError, ValueError):
            continue
        if 1 <= year <= 100 and year not in values:
            values.append(year)
    return sorted(values) or list(DEFAULT_COMPARISON_YEARS)


def _build_product_metrics(product: dict, years: list[int]) -> dict:
    policy = product.get("policy") or {}
    rows = product.get("benefitRows") or []
    annual_premium = _number(policy.get("annualPremium"))
    pay_years = int(_number(policy.get("payYears")))
    total_premium = _number(
        policy.get("contractualTotalPremium")
        or policy.get("totalPremium")
        or annual_premium * pay_years
    )
    currency = str(policy.get("currency") or "").upper()

    year_values = {}
    for year in years:
        row = _find_year(rows, year)
        if not row:
            year_values[str(year)] = None
            continue
        total_value = _number(row.get("totalSurrenderValue"))
        guaranteed_value = _number(row.get("guaranteedCashValue"))
        death_benefit = _number(
            row.get("nonGuaranteedDeathBenefit")
            or row.get("deathBenefit")
            or row.get("guaranteedDeathBenefit")
        )
        irr = compute_irr_ma(
            annual_premium,
            pay_years,
            total_value,
            year,
            ia_irr_cap(currency or "HKD"),
        )
        year_values[str(year)] = {
            "guaranteedValue": guaranteed_value,
            "totalValue": total_value,
            "deathBenefit": death_benefit,
            "irr": round(irr * 100, 2) if irr is not None else None,
            "sourcePage": row.get("sourcePage"),
        }

    return {
        "fileId": product.get("fileId", ""),
        "pdfName": product.get("pdfName", ""),
        "companyId": product.get("companyId", ""),
        "productName": product.get("productName", ""),
        "kind": product.get("kind", "savings"),
        "currency": currency,
        "annualPremium": annual_premium,
        "payYears": pay_years,
        "totalPremium": total_premium,
        "sumInsured": _number(policy.get("sumInsured")),
        "breakevenYear": _find_breakeven_year(rows),
        "yearValues": year_values,
    }


def _find_year(rows: list[dict], year: int) -> dict | None:
    for row in rows:
        if int(_number(row.get("policyYear"))) == year:
            return row
    return None


def _find_breakeven_year(rows: list[dict]) -> int | None:
    for row in rows:
        premium = _number(row.get("totalPremiumPaid"))
        value = _number(row.get("totalSurrenderValue"))
        if premium > 0 and value >= premium:
            return int(_number(row.get("policyYear")))
    return None


def _number(value) -> float:
    try:
        return float(value or 0)
    except (TypeError, ValueError):
        return 0.0