245 lines
10 KiB
Python
245 lines
10 KiB
Python
"""验证模块 — 数据完整性和导出就绪检查。"""
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from dataclasses import dataclass, field
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from typing import Optional
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@dataclass
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class FormalDeckIssue:
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code: str
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level: str # "error" | "warn"
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message: str
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path: str = "" # 字段路径，如 "insured.age"、"benefitRows[5].totalSurrenderValue"
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section: str = "" # 分区：fields、benefitRows、withdrawalRows、coverageItems、indexAccounts
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suggested_action: str = "" # fill_or_confirm | modify | review | none
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@dataclass
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class ValidationIssue:
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field: str
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message: str
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level: str # "error" | "warn"
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def _is_continuous(rows: list[dict]) -> bool:
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"""检查保单年度是否连续。"""
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years = sorted(r.get("policyYear", 0) for r in rows if isinstance(r, dict))
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for i in range(1, len(years)):
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if years[i] != years[i - 1] + 1:
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return False
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return True
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def _has_sufficient_milestone_coverage(rows: list[dict]) -> bool:
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"""判断非连续利益表是否覆盖正式方案所需的关键年度。"""
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years = {
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int(r.get("policyYear", 0))
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for r in rows
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if isinstance(r, dict) and _safe_number(r.get("policyYear")) > 0
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}
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return len(years) >= 5 and {10, 20, 30}.issubset(years) and max(years) >= 30
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def validate_formal_savings_plan(plan: dict) -> list[FormalDeckIssue]:
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"""验证归一化储蓄险数据的导出就绪性。"""
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issues = []
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def err(code, msg, path="", section="fields", suggested_action="review"):
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issues.append(FormalDeckIssue(code, "error", msg, path=path, section=section, suggested_action=suggested_action))
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def warn(code, msg, path="", section="fields", suggested_action="review"):
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issues.append(FormalDeckIssue(code, "warn", msg, path=path, section=section, suggested_action=suggested_action))
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if not plan.get("productName"):
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err("PRODUCT_NAME_MISSING", "产品名称缺失", path="productName", suggested_action="fill_or_confirm")
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insured = plan.get("insured", {})
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if not insured.get("age"):
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err("INSURED_AGE_MISSING", "被保险人年龄缺失", path="insured.age", suggested_action="fill_or_confirm")
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policy = plan.get("policy", {})
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if _safe_number(policy.get("annualPremium")) <= 0:
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err("ANNUAL_PREMIUM_INVALID", "年缴保费必须大于 0", path="policy.annualPremium", suggested_action="fill_or_confirm")
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if _safe_number(policy.get("payYears")) <= 0:
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err("PAY_YEARS_INVALID", "缴费年期必须大于 0", path="policy.payYears", suggested_action="fill_or_confirm")
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benefit_rows = plan.get("benefitRows", [])
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if len(benefit_rows) < 20:
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if _has_sufficient_milestone_coverage(benefit_rows):
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warn(
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"BENEFIT_ROWS_MILESTONE_ONLY",
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f"利益演示仅提供里程碑年度（当前 {len(benefit_rows)} 行），已覆盖 10、20、30 年，可继续生成",
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path="benefitRows", section="benefitRows",
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)
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else:
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err(
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"BENEFIT_ROWS_INCOMPLETE",
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f"利益演示数据不足（当前 {len(benefit_rows)} 行，且未覆盖 10、20、30 年）",
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path="benefitRows", section="benefitRows",
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)
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if benefit_rows and not _is_continuous(benefit_rows):
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warn(
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"BENEFIT_ROWS_DISCONTINUOUS",
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"利益演示采用里程碑年度，保单年度不连续，请在生成前核对关键年份",
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path="benefitRows", section="benefitRows",
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)
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source = plan.get("source", {})
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if not source.get("pdfHash"):
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err("SOURCE_HASH_MISSING", "缺少 PDF 哈希（来源追溯）", path="source.pdfHash")
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if not any(r.get("sourcePage") for r in benefit_rows):
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warn("BENEFIT_SOURCE_PAGE_MISSING", "利益演示缺少来源页码",
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path="benefitRows", section="benefitRows")
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withdrawal_rows = plan.get("withdrawalRows", [])
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if withdrawal_rows and not _is_continuous(withdrawal_rows):
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err("WITHDRAWAL_ROWS_DISCONTINUOUS", "退保演示保单年度不连续",
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path="withdrawalRows", section="withdrawalRows")
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if withdrawal_rows and not any(r.get("sourcePage") for r in withdrawal_rows):
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warn("WITHDRAWAL_SOURCE_PAGE_MISSING", "退保演示缺少来源页码",
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path="withdrawalRows", section="withdrawalRows")
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if not withdrawal_rows:
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warn("WITHDRAWAL_ROWS_MISSING", "无退保数据（正式 PPT 将隐藏退保页面）",
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path="withdrawalRows", section="withdrawalRows")
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# 检查 total_surrender_value >= guaranteed_cash_value 一致性
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for i, row in enumerate(benefit_rows):
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gcv = _safe_number(row.get("guaranteedCashValue"))
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rev = _safe_number(row.get("reversionaryBonus"))
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term = _safe_number(row.get("terminalDividend"))
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total = _safe_number(row.get("totalSurrenderValue"))
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if total > 0 and gcv > 0 and total < gcv:
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year = row.get("policyYear", "?")
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expected = gcv + rev + term
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err(
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"TOTAL_SURRENDER_VALUE_INCONSISTENT",
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f"第 {year} 年总退保价值({total})低于保证现金价值({gcv})，"
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f"应为 {expected}，请核对数据是否列错位",
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path=f"benefitRows[{i}].totalSurrenderValue", section="benefitRows",
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)
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return issues
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def validate_formal_ci_plan(plan: dict) -> list[FormalDeckIssue]:
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"""验证归一化重疾险数据。"""
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issues = []
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def err(code, msg):
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issues.append(FormalDeckIssue(code, "error", msg))
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if not plan.get("productName"):
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err("CI_PRODUCT_NAME_MISSING", "产品名称缺失")
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if not plan.get("insured", {}).get("age"):
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err("CI_INSURED_AGE_MISSING", "被保险人年龄缺失")
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if _safe_number(plan.get("policy", {}).get("sumInsured")) <= 0:
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err("CI_SUM_INSURED_INVALID", "保额必须大于 0")
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if _safe_number(plan.get("policy", {}).get("annualPremium")) <= 0:
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err("CI_ANNUAL_PREMIUM_INVALID", "年缴保费必须大于 0")
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if _safe_number(plan.get("policy", {}).get("payYears")) <= 0:
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err("CI_PAY_YEARS_INVALID", "缴费年期必须大于 0")
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if not plan.get("coverageItems"):
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err("CI_COVERAGE_ITEMS_MISSING", "保障项目列表为空")
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return issues
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def validate_formal_iul_plan(plan: dict) -> list[FormalDeckIssue]:
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"""验证归一化 IUL 数据。"""
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issues = []
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def err(code, msg):
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issues.append(FormalDeckIssue(code, "error", msg))
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def warn(code, msg):
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issues.append(FormalDeckIssue(code, "warn", msg))
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if not plan.get("productName"):
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err("IUL_PRODUCT_NAME_MISSING", "产品名称缺失")
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if not plan.get("insured", {}).get("age"):
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err("IUL_INSURED_AGE_MISSING", "被保险人年龄缺失")
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if _safe_number(plan.get("policy", {}).get("sumInsured")) <= 0:
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err("IUL_SUM_INSURED_INVALID", "保额必须大于 0")
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if not plan.get("indexAccounts"):
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err("IUL_INDEX_ACCOUNT_MISSING", "指数账户配置为空")
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benefit_rows = plan.get("benefitRows", [])
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if len(benefit_rows) < 20:
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err("IUL_BENEFIT_ROWS_INCOMPLETE", f"利益演示行数不足（当前 {len(benefit_rows)} 行）")
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is_continuous = _is_continuous(benefit_rows) if benefit_rows else True
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if benefit_rows and not is_continuous:
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warn("IUL_BENEFIT_ROWS_DISCONTINUOUS", "利益演示保单年度不连续，请确认 PDF 是否只提供里程碑年度")
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source = plan.get("source", {})
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if not source.get("pdfHash"):
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err("IUL_SOURCE_HASH_MISSING", "缺少 PDF 哈希")
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if benefit_rows and not any(r.get("sourcePage") for r in benefit_rows):
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warn("IUL_SOURCE_PAGE_MISSING", "利益演示缺少来源页码")
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# 缴费年期一致性检查
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payment_period = plan.get("policy", {}).get("paymentPeriod", "")
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if benefit_rows and payment_period and is_continuous:
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# 通过数据检测实际缴费年数
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detected_years = 0
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for i in range(1, len(benefit_rows)):
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prev = _safe_number(benefit_rows[i - 1].get("totalPremiumPaid"))
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curr = _safe_number(benefit_rows[i].get("totalPremiumPaid"))
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if curr > prev:
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detected_years += 1
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# 解析声明的缴费年期
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stated_years = _extract_years(payment_period)
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if stated_years > 0 and detected_years > 0 and abs(detected_years - stated_years) > 1:
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err("IUL_PAY_TERM_MISMATCH", f"缴费年期不一致：声明 {stated_years} 年，数据检测 {detected_years} 年")
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# 年龄合理性检查
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for row in benefit_rows:
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if isinstance(row, dict):
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age = _safe_number(row.get("age"))
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if age > 0 and (age < 0 or age > 150):
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err("IUL_AGE_OUT_OF_RANGE", f"年龄超出合理范围: {age}")
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break
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return issues
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def validate_savings_metrics(metrics: dict) -> list[ValidationIssue]:
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"""验证储蓄险关键指标。"""
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issues = []
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if not metrics.get("productName"):
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issues.append(ValidationIssue("productName", "产品名称缺失", "error"))
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if _safe_number(metrics.get("insuredAge")) <= 0:
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issues.append(ValidationIssue("insuredAge", "被保险人年龄无效", "error"))
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if not metrics.get("currency"):
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issues.append(ValidationIssue("currency", "货币缺失", "error"))
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if _safe_number(metrics.get("annualPremium")) <= 0:
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issues.append(ValidationIssue("annualPremium", "年缴保费无效", "error"))
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if _safe_number(metrics.get("payYears")) <= 0:
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issues.append(ValidationIssue("payYears", "缴费年期无效", "error"))
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if metrics.get("multiple20") is None:
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issues.append(ValidationIssue("multiple20", "20年倍数缺失", "warn"))
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if metrics.get("multiple30") is None:
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issues.append(ValidationIssue("multiple30", "30年倍数缺失", "warn"))
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if metrics.get("breakevenYear") is None:
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issues.append(ValidationIssue("breakevenYear", "回本年度缺失", "warn"))
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return issues
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def _safe_number(value) -> float:
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if value is None:
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return 0
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try:
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return float(value)
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except (ValueError, TypeError):
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return 0
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def _extract_years(value) -> int:
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import re
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if value is None:
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return 0
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match = re.search(r"\d+(?:\.\d+)?", str(value))
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return int(float(match.group())) if match else 0
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