wsb1224
2422303b36
阶段 当前状态 说明 Phase 0～3 基本完成 Document IR、证据链、人工确认、不可变 PlanData Snapshot、海报/PPT 投影已实现 Phase 4 代码完成 场景、策略、模板版本，校验/发布门禁，确定性 resolver 和严格槽位合并已实现 Phase 5 代码完成 输入冻结、PPTX/海报对账、失败关闭、幂等、心跳、重试和冻结输入重放已实现 Phase 6 基础完成 质量看板、结构化告警、Golden 审批、留存清理、孤儿检查和灰度开关已实现 正式上线 未完成 缺真实样本、生产模板、业务规则签字和灰度观察 目前验证基线： PPT/海报专项测试：107 passed, 1 skipped Vue TypeScript 检查：通过 前端生产构建：通过 代码变更仍在工作区，尚未提交 仓库全量测试仍有既有失败/挂起项，暂时不能宣称全仓测试完全绿色 仍未完成的代码任务主要有： 影子解析差异流水线 目前有灰度开关，但还没有完整的“新旧解析同时运行、字段差异入库、按保司/profile 聚合”的影子比较任务。 自动视觉回归 目前实现的是 DOM 模块、溢出、尺寸、文本和数值检查；还缺基于真实模板和标准图片的像素差异、字体缺失、遮挡和裁切回归。 告警通道接入 后台已经能产生结构化质量告警，但尚未自动推送到邮件、企微或其他通知通道。 留存任务生产化 dry-run、实删服务和失败审计已经具备，但尚未接入周期性 Celery/定时任务，也没有自动重试失败清理批次。 旧链路最终下线 旧 PPT 解析器和海报紧凑解析仍保留为回滚路径。需要全量灰度稳定后才能删除或彻底关闭写入口。 全仓测试收口 需要处理现有无关失败和挂起测试，建立真正全绿的 CI 基线。 仍需外部输入和生产环境完成的事项： 至少 30 份脱敏 Golden PDF，并完成双人标注和精确率验收。 业务专家确认派生公式、缺失值、可比较性和结论策略。 上传并标注真实生产 PPTX 的语义 shape、页面类型和容量。 安装生产字体并建立视觉基准图片。 实际执行数据库迁移 038～040。 完成留存 dry-run、实删演练以及 10% → 30% → 100% 灰度。 观察期通过后开启 SCENARIO_ENGINE_V2，目前它仍默认关闭；真实清理开关也默认关闭。 完整状态记录在 [PPT与海报Phase4至6补充实施记录](D:/work/code/python/coding/baodanagent/docs/PPT与海报Phase4至6补充实施记录_20260802.md)。
402 lines
17 KiB
Python
402 lines
17 KiB
Python
"""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 = 10
|
||
|
||
SCENARIO_SINGLE_SAVINGS = "single_savings"
|
||
SCENARIO_MULTI_SAVINGS = "multi_savings_comparison"
|
||
SCENARIO_SAVINGS_IUL = "savings_iul_comprehensive"
|
||
SCENARIO_GENERIC_SINGLE = "generic_single"
|
||
SCENARIO_GENERIC_COMPARE = "generic_compare"
|
||
SCENARIO_GENERIC_PORTFOLIO = "generic_portfolio"
|
||
|
||
|
||
def detect_generation_scenario(products: list[dict]) -> str:
|
||
"""根据正式计划书险种组合确定生成场景，不依赖文件上传顺序。"""
|
||
kinds = [str(product.get("kind") or "").lower() for product in products]
|
||
savings_count = kinds.count("savings")
|
||
iul_count = kinds.count("iul")
|
||
|
||
if len(kinds) == 1 and savings_count == 1:
|
||
return SCENARIO_SINGLE_SAVINGS
|
||
if len(kinds) >= 2 and savings_count == len(kinds):
|
||
return SCENARIO_MULTI_SAVINGS
|
||
if savings_count >= 1 and iul_count >= 1 and savings_count + iul_count == len(kinds):
|
||
return SCENARIO_SAVINGS_IUL
|
||
if len(kinds) == 1:
|
||
return SCENARIO_GENERIC_SINGLE
|
||
if len(set(kinds)) == 1:
|
||
return SCENARIO_GENERIC_COMPARE
|
||
return SCENARIO_GENERIC_PORTFOLIO
|
||
|
||
|
||
def generation_mode_for_scenario(scenario: str) -> str:
|
||
if scenario in {SCENARIO_MULTI_SAVINGS, SCENARIO_GENERIC_COMPARE}:
|
||
return "compare"
|
||
if scenario in {SCENARIO_SAVINGS_IUL, SCENARIO_GENERIC_PORTFOLIO}:
|
||
return "portfolio"
|
||
return "single"
|
||
|
||
|
||
def build_scenario_slides(products: list[dict], scenario: str) -> list[dict]:
|
||
"""生成场景对应的硬性页面清单；模板只负责视觉，不得删减这些页面。"""
|
||
if scenario == SCENARIO_SINGLE_SAVINGS:
|
||
product = products[0]
|
||
slides = [
|
||
{"pageType": "cover", "title": "单份储蓄计划分析"},
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "先确认客户任务，再讨论产品数字",
|
||
"bullets": [
|
||
"确认可持续投入、资金使用年份与年度现金流目标",
|
||
"确认退休、教育或传承任务，以及短期流动性要求",
|
||
"所有结论均以正式计划书数据和客户已确认资料为基础",
|
||
],
|
||
},
|
||
{"pageType": "company", "title": "长期承诺需要长期经营能力支撑"},
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "这份保单承担长期储蓄与计划提取任务",
|
||
"bullets": [
|
||
"前期按计划完成缴费，中期保留积累窗口",
|
||
"到正式计划书约定年度后再按计划提取",
|
||
"提取后继续核对剩余退保价值与身故保障",
|
||
],
|
||
},
|
||
{"pageType": "timeline", "title": "缴费、积累与提取分成三个阶段"},
|
||
{"pageType": "chart", "chartType": "growth", "title": "不提取路径建立长期价值基准"},
|
||
{"pageType": "table", "tableType": "no_withdraw", "title": "不提取情景关键年度"},
|
||
{"pageType": "compare", "title": "保证与非保证利益必须分开理解"},
|
||
{
|
||
"pageType": "policy_summary",
|
||
"productIndex": 0,
|
||
"summaryMode": "no_withdraw",
|
||
"title": "保单摘要｜不提取",
|
||
},
|
||
]
|
||
if product.get("withdrawalRows"):
|
||
slides.extend([
|
||
{"pageType": "table", "tableType": "withdraw", "title": "计划提取情景关键年度"},
|
||
{
|
||
"pageType": "policy_summary",
|
||
"productIndex": 0,
|
||
"summaryMode": "withdraw",
|
||
"title": "保单摘要｜计划提取",
|
||
},
|
||
])
|
||
slides.extend([
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "流动性来自选择，也伴随成本",
|
||
"bullets": [
|
||
"早期退保价值可能低于累计已缴保费",
|
||
"提取、贷款或货币转换可能降低后续价值与身故利益",
|
||
"非保证利益可能高于或低于演示，不能表述为确定收益",
|
||
],
|
||
},
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "先判断单份计划是否独立适合客户",
|
||
"bullets": [
|
||
"确认缴费能力与独立应急资金",
|
||
"确认计划使用年份与非保证利益接受程度",
|
||
"单份计划成立后，再讨论是否需要其他保障或资产工具",
|
||
],
|
||
},
|
||
{"pageType": "closing", "title": "下一步：确认目标年份与正式数据"},
|
||
])
|
||
return slides
|
||
|
||
if scenario == SCENARIO_MULTI_SAVINGS:
|
||
slides = [
|
||
{"pageType": "cover", "title": "储蓄计划专业对比"},
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "先建立统一口径，再比较产品差异",
|
||
"bullets": [
|
||
"核对年龄、性别、吸烟状态、币种、年缴保费和缴费年限",
|
||
"按相同保单年度比较保证价值、非保证利益和总退保价值",
|
||
"条件不一致时只展示差异，不做产品高低排名",
|
||
],
|
||
},
|
||
{"pageType": "comparison_chart", "title": "同一保单年度下的总退保价值走势"},
|
||
{"pageType": "comparison_table", "title": "关键年度同时拆分保证与非保证价值"},
|
||
]
|
||
for index, _product in enumerate(products):
|
||
slides.append({
|
||
"pageType": "policy_summary",
|
||
"productIndex": index,
|
||
"summaryMode": "no_withdraw",
|
||
"title": f"产品 {index + 1} 保单摘要",
|
||
})
|
||
slides.extend([
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "目标年份决定比较重点",
|
||
"bullets": [
|
||
"缴费完成年度关注早期退出损失",
|
||
"第10、20年关注中期使用与保证底层",
|
||
"第25、30年及以后关注退休、长期增长和传承",
|
||
],
|
||
},
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "提取情景必须取得相同条件的正式计划书",
|
||
"bullets": [
|
||
"开始年度、结束年度、年度金额、频率与币种必须一致",
|
||
"不得用不提取数据推算提取后的价值",
|
||
"缺失数据统一标记“待正式计划书确认”",
|
||
],
|
||
},
|
||
{"pageType": "conclusion", "title": "结论取决于目标年份、确定性与功能需求"},
|
||
{"pageType": "closing", "title": "下一步：统一条件后完成最终选择"},
|
||
])
|
||
return slides
|
||
|
||
if scenario == SCENARIO_SAVINGS_IUL:
|
||
slides = [
|
||
{"pageType": "cover", "title": "储蓄现金流与 IUL 保障综合方案"},
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "先讲家庭任务，再安排两份保单",
|
||
"bullets": [
|
||
"储蓄计划负责建立可持续提取的现金流仓",
|
||
"IUL 负责放大身故保障并承接长期家庭责任",
|
||
"两份保单按现金流发生年度对应，不按年龄强行对齐",
|
||
],
|
||
},
|
||
{"pageType": "timeline", "title": "先看缴费、提取与保障启动时间"},
|
||
{"pageType": "synergy", "title": "组合不是并列持有，而是现金流接力"},
|
||
]
|
||
for index, product in enumerate(products):
|
||
slides.extend([
|
||
{
|
||
"pageType": "chart",
|
||
"productIndex": index,
|
||
"chartType": "growth",
|
||
"title": f"{product.get('productName') or f'方案 {index + 1}'}价值演示",
|
||
},
|
||
{
|
||
"pageType": "policy_summary",
|
||
"productIndex": index,
|
||
"summaryMode": "no_withdraw",
|
||
"title": f"{product.get('productName') or f'方案 {index + 1}'}保单摘要",
|
||
},
|
||
])
|
||
slides.extend([
|
||
{"pageType": "cashflow_bridge", "title": "储蓄提取如何承接 IUL 计划保费"},
|
||
{"pageType": "launch_paths", "title": "组合方案必须同时呈现两种启动路径"},
|
||
{"pageType": "combined_summary", "title": "组合保单摘要"},
|
||
{"pageType": "alignment_table", "title": "两份计划书按保单年度对应"},
|
||
{
|
||
"pageType": "guidance",
|
||
"title": "风险与执行条件必须说清楚",
|
||
"bullets": [
|
||
"储蓄保单未到正式提取年度前，IUL 保费属于客户自有资金",
|
||
"保证价值与非保证演示价值必须分开呈现",
|
||
"所有金额来自正式计划书，缺失数字不自行推算",
|
||
],
|
||
},
|
||
{"pageType": "conclusion", "title": "选择保障先行或现金流同步"},
|
||
{"pageType": "closing", "title": "下一步：确认启动路径与前期现金流"},
|
||
])
|
||
return slides
|
||
|
||
page_types = ["cover", "company", "narrative", "chart"]
|
||
if len(products) > 1:
|
||
page_types.append("compare")
|
||
if scenario != SCENARIO_GENERIC_COMPARE:
|
||
page_types.append("synergy")
|
||
page_types.extend(["table", "conclusion", "closing"])
|
||
return [{"pageType": page_type} for page_type in page_types]
|
||
|
||
|
||
def build_comparison_contract(
|
||
products: list[dict],
|
||
mode: str = "single",
|
||
comparison_years: Iterable[int] | None = None,
|
||
calculation_policy: dict | 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, calculation_policy) for product in products],
|
||
"nonComparableReason": (
|
||
"不同险种或币种仅并列展示，不进行排名"
|
||
if normalized_mode == "portfolio" and (len(kinds) > 1 or len(currencies) > 1)
|
||
else None
|
||
),
|
||
"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 _derived_metric_spec(calculation_policy: dict | None, code: str):
|
||
"""None 表示兼容旧链路，False 表示版本化策略明确禁用该派生指标。"""
|
||
if calculation_policy is None:
|
||
return None
|
||
metrics = calculation_policy.get("derivedMetrics") or []
|
||
for item in metrics:
|
||
if isinstance(item, dict) and item.get("code") == code:
|
||
return item
|
||
return False
|
||
|
||
|
||
def _build_product_metrics(product: dict, years: list[int], calculation_policy: dict | None = None) -> dict:
|
||
policy = product.get("policy") or {}
|
||
rows = product.get("benefitRows") or []
|
||
annual_premium = _optional_number(policy.get("annualPremium"))
|
||
raw_pay_years = _optional_number(policy.get("payYears"))
|
||
pay_years = int(raw_pay_years) if raw_pay_years is not None else None
|
||
total_premium = _optional_number(_first_present(
|
||
policy.get("contractualTotalPremium"),
|
||
policy.get("totalPremium"),
|
||
))
|
||
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 = _optional_number(row.get("totalSurrenderValue"))
|
||
guaranteed_value = _optional_number(row.get("guaranteedCashValue"))
|
||
death_benefit = _optional_number(_first_present(
|
||
row.get("nonGuaranteedDeathBenefit"),
|
||
row.get("deathBenefit"),
|
||
row.get("guaranteedDeathBenefit"),
|
||
))
|
||
irr = None
|
||
irr_spec = _derived_metric_spec(calculation_policy, "irr")
|
||
if irr_spec is not False and annual_premium is not None and pay_years and total_value is not None:
|
||
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, int((irr_spec or {}).get("precision", 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": _optional_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:
|
||
row_year = _optional_number(row.get("policyYear"))
|
||
if row_year is not None and int(row_year) == year:
|
||
return row
|
||
return None
|
||
|
||
|
||
def _find_breakeven_year(rows: list[dict]) -> int | None:
|
||
for row in rows:
|
||
premium = _optional_number(row.get("totalPremiumPaid"))
|
||
value = _optional_number(row.get("totalSurrenderValue"))
|
||
year = _optional_number(row.get("policyYear"))
|
||
if premium is not None and value is not None and year is not None and premium > 0 and value >= premium:
|
||
return int(year)
|
||
return None
|
||
|
||
|
||
def _number(value) -> float:
|
||
"""兼容旧调用；新对比逻辑使用 ``_optional_number``。"""
|
||
parsed = _optional_number(value)
|
||
return parsed if parsed is not None else 0.0
|
||
|
||
|
||
def _optional_number(value) -> float | None:
|
||
if value is None or isinstance(value, bool) or (isinstance(value, str) and not value.strip()):
|
||
return None
|
||
try:
|
||
parsed = float(value)
|
||
except (TypeError, ValueError):
|
||
return None
|
||
return parsed if parsed == parsed and parsed not in (float("inf"), float("-inf")) else None
|
||
|
||
|
||
def _first_present(*values):
|
||
for value in values:
|
||
if value is not None and value != "":
|
||
return value
|
||
return None
|