362 lines
15 KiB
Python
362 lines
15 KiB
Python
"""多份保险计划书的确定性对比计算。"""
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from __future__ import annotations
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from typing import Iterable
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from insurance.ppt.irr import compute_irr_ma, ia_irr_cap
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DEFAULT_COMPARISON_YEARS = [5, 10, 20, 30]
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MAX_COMPARISON_PRODUCTS = 4
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SCENARIO_SINGLE_SAVINGS = "single_savings"
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SCENARIO_MULTI_SAVINGS = "multi_savings_comparison"
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SCENARIO_SAVINGS_IUL = "savings_iul_comprehensive"
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SCENARIO_GENERIC_SINGLE = "generic_single"
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SCENARIO_GENERIC_COMPARE = "generic_compare"
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SCENARIO_GENERIC_PORTFOLIO = "generic_portfolio"
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def detect_generation_scenario(products: list[dict]) -> str:
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"""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。"""
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kinds = [str(product.get("kind") or "").lower() for product in products]
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savings_count = kinds.count("savings")
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iul_count = kinds.count("iul")
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if len(kinds) == 1 and savings_count == 1:
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return SCENARIO_SINGLE_SAVINGS
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if len(kinds) >= 2 and savings_count == len(kinds):
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return SCENARIO_MULTI_SAVINGS
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if savings_count >= 1 and iul_count >= 1 and savings_count + iul_count == len(kinds):
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return SCENARIO_SAVINGS_IUL
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if len(kinds) == 1:
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return SCENARIO_GENERIC_SINGLE
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if len(set(kinds)) == 1:
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return SCENARIO_GENERIC_COMPARE
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return SCENARIO_GENERIC_PORTFOLIO
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def generation_mode_for_scenario(scenario: str) -> str:
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if scenario in {SCENARIO_MULTI_SAVINGS, SCENARIO_GENERIC_COMPARE}:
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return "compare"
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if scenario in {SCENARIO_SAVINGS_IUL, SCENARIO_GENERIC_PORTFOLIO}:
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return "portfolio"
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return "single"
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def build_scenario_slides(products: list[dict], scenario: str) -> list[dict]:
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"""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。"""
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if scenario == SCENARIO_SINGLE_SAVINGS:
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product = products[0]
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slides = [
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{"pageType": "cover", "title": "单份储蓄计划分析"},
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{
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"pageType": "guidance",
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"title": "先确认客户任务，再讨论产品数字",
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"bullets": [
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"确认可持续投入、资金使用年份与年度现金流目标",
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"确认退休、教育或传承任务，以及短期流动性要求",
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"所有结论均以正式计划书数据和客户已确认资料为基础",
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],
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},
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{"pageType": "company", "title": "长期承诺需要长期经营能力支撑"},
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{
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"pageType": "guidance",
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"title": "这份保单承担长期储蓄与计划提取任务",
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"bullets": [
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"前期按计划完成缴费，中期保留积累窗口",
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"到正式计划书约定年度后再按计划提取",
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"提取后继续核对剩余退保价值与身故保障",
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],
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},
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{"pageType": "timeline", "title": "缴费、积累与提取分成三个阶段"},
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{"pageType": "chart", "chartType": "growth", "title": "不提取路径建立长期价值基准"},
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{"pageType": "table", "tableType": "no_withdraw", "title": "不提取情景关键年度"},
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{"pageType": "compare", "title": "保证与非保证利益必须分开理解"},
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{
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"pageType": "policy_summary",
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"productIndex": 0,
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"summaryMode": "no_withdraw",
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"title": "保单摘要｜不提取",
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},
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]
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if product.get("withdrawalRows"):
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slides.extend([
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{"pageType": "table", "tableType": "withdraw", "title": "计划提取情景关键年度"},
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{
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"pageType": "policy_summary",
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"productIndex": 0,
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"summaryMode": "withdraw",
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"title": "保单摘要｜计划提取",
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},
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])
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slides.extend([
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{
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"pageType": "guidance",
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"title": "流动性来自选择，也伴随成本",
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"bullets": [
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"早期退保价值可能低于累计已缴保费",
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"提取、贷款或货币转换可能降低后续价值与身故利益",
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"非保证利益可能高于或低于演示，不能表述为确定收益",
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],
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},
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{
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"pageType": "guidance",
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"title": "先判断单份计划是否独立适合客户",
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"bullets": [
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"确认缴费能力与独立应急资金",
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"确认计划使用年份与非保证利益接受程度",
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"单份计划成立后，再讨论是否需要其他保障或资产工具",
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],
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},
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{"pageType": "closing", "title": "下一步：确认目标年份与正式数据"},
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])
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return slides
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if scenario == SCENARIO_MULTI_SAVINGS:
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slides = [
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{"pageType": "cover", "title": "储蓄计划专业对比"},
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{
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"pageType": "guidance",
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"title": "先建立统一口径，再比较产品差异",
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"bullets": [
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"核对年龄、性别、吸烟状态、币种、年缴保费和缴费年限",
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"按相同保单年度比较保证价值、非保证利益和总退保价值",
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"条件不一致时只展示差异，不做产品高低排名",
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],
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},
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{"pageType": "comparison_chart", "title": "同一保单年度下的总退保价值走势"},
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{"pageType": "comparison_table", "title": "关键年度同时拆分保证与非保证价值"},
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]
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for index, _product in enumerate(products):
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slides.append({
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"pageType": "policy_summary",
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"productIndex": index,
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"summaryMode": "no_withdraw",
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"title": f"产品 {index + 1} 保单摘要",
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})
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slides.extend([
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{
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"pageType": "guidance",
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"title": "目标年份决定比较重点",
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"bullets": [
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"缴费完成年度关注早期退出损失",
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"第10、20年关注中期使用与保证底层",
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"第25、30年及以后关注退休、长期增长和传承",
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],
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},
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{
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"pageType": "guidance",
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"title": "提取情景必须取得相同条件的正式计划书",
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"bullets": [
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"开始年度、结束年度、年度金额、频率与币种必须一致",
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"不得用不提取数据推算提取后的价值",
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"缺失数据统一标记“待正式计划书确认”",
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],
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},
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{"pageType": "conclusion", "title": "结论取决于目标年份、确定性与功能需求"},
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{"pageType": "closing", "title": "下一步：统一条件后完成最终选择"},
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])
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return slides
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if scenario == SCENARIO_SAVINGS_IUL:
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slides = [
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{"pageType": "cover", "title": "储蓄现金流与 IUL 保障综合方案"},
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{
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"pageType": "guidance",
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"title": "先讲家庭任务，再安排两份保单",
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"bullets": [
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"储蓄计划负责建立可持续提取的现金流仓",
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"IUL 负责放大身故保障并承接长期家庭责任",
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"两份保单按现金流发生年度对应，不按年龄强行对齐",
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],
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},
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{"pageType": "timeline", "title": "先看缴费、提取与保障启动时间"},
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{"pageType": "synergy", "title": "组合不是并列持有，而是现金流接力"},
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]
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for index, product in enumerate(products):
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slides.extend([
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{
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"pageType": "chart",
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"productIndex": index,
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"chartType": "growth",
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"title": f"{product.get('productName') or f'方案 {index + 1}'}价值演示",
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},
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{
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"pageType": "policy_summary",
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"productIndex": index,
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"summaryMode": "no_withdraw",
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"title": f"{product.get('productName') or f'方案 {index + 1}'}保单摘要",
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},
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])
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slides.extend([
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{"pageType": "cashflow_bridge", "title": "储蓄提取如何承接 IUL 计划保费"},
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{"pageType": "launch_paths", "title": "组合方案必须同时呈现两种启动路径"},
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{"pageType": "combined_summary", "title": "组合保单摘要"},
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{"pageType": "alignment_table", "title": "两份计划书按保单年度对应"},
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{
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"pageType": "guidance",
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"title": "风险与执行条件必须说清楚",
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"bullets": [
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"储蓄保单未到正式提取年度前，IUL 保费属于客户自有资金",
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"保证价值与非保证演示价值必须分开呈现",
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"所有金额来自正式计划书，缺失数字不自行推算",
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],
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},
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{"pageType": "conclusion", "title": "选择保障先行或现金流同步"},
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{"pageType": "closing", "title": "下一步：确认启动路径与前期现金流"},
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])
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return slides
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page_types = ["cover", "company", "narrative", "chart"]
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if len(products) > 1:
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page_types.extend(["compare", "synergy"])
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page_types.extend(["table", "conclusion", "closing"])
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return [{"pageType": page_type} for page_type in page_types]
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def build_comparison_contract(
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products: list[dict],
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mode: str = "single",
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comparison_years: Iterable[int] | None = None,
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) -> dict:
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"""将归一化产品转换为渲染器可直接使用的对比契约。"""
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normalized_mode = (mode or "single").lower()
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if normalized_mode not in {"single", "compare", "portfolio"}:
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raise ValueError("generationMode 必须是 single、compare 或 portfolio")
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if normalized_mode == "single":
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return {"mode": "single", "products": [], "years": [], "warnings": []}
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if len(products) < 2:
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raise ValueError("产品对比或组合方案至少需要 2 份有效计划书")
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if len(products) > MAX_COMPARISON_PRODUCTS:
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raise ValueError(f"一次最多对比 {MAX_COMPARISON_PRODUCTS} 份计划书")
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years = _normalize_years(comparison_years)
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kinds = {str(p.get("kind") or "").lower() for p in products}
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currencies = {
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str((p.get("policy") or {}).get("currency") or "").upper()
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for p in products
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if (p.get("policy") or {}).get("currency")
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}
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warnings: list[str] = []
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if normalized_mode == "compare":
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if len(kinds) != 1:
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raise ValueError("不同险种不能直接横向排名，请选择“组合方案”模式")
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if len(currencies) > 1:
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raise ValueError("不同币种不能直接比较，请上传相同币种的计划书")
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elif len(currencies) > 1:
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warnings.append("组合中包含不同币种，金额仅分别展示，不计算合计")
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insured_signatures = {
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(
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(p.get("insured") or {}).get("age"),
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str((p.get("insured") or {}).get("gender") or "").lower(),
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)
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for p in products
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}
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if len(insured_signatures) > 1:
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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")
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return {
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"mode": normalized_mode,
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"years": years,
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"currency": next(iter(currencies), ""),
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"productKinds": sorted(kinds),
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"products": [_build_product_metrics(product, years) for product in products],
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"warnings": warnings,
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}
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def _normalize_years(years: Iterable[int] | None) -> list[int]:
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values = []
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for value in years or DEFAULT_COMPARISON_YEARS:
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try:
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year = int(value)
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except (TypeError, ValueError):
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continue
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if 1 <= year <= 100 and year not in values:
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values.append(year)
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return sorted(values) or list(DEFAULT_COMPARISON_YEARS)
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def _build_product_metrics(product: dict, years: list[int]) -> dict:
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policy = product.get("policy") or {}
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rows = product.get("benefitRows") or []
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annual_premium = _number(policy.get("annualPremium"))
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pay_years = int(_number(policy.get("payYears")))
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total_premium = _number(
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policy.get("contractualTotalPremium")
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or policy.get("totalPremium")
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or annual_premium * pay_years
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)
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currency = str(policy.get("currency") or "").upper()
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year_values = {}
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for year in years:
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row = _find_year(rows, year)
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if not row:
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year_values[str(year)] = None
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continue
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total_value = _number(row.get("totalSurrenderValue"))
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guaranteed_value = _number(row.get("guaranteedCashValue"))
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death_benefit = _number(
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row.get("nonGuaranteedDeathBenefit")
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or row.get("deathBenefit")
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or row.get("guaranteedDeathBenefit")
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)
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irr = compute_irr_ma(
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annual_premium,
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pay_years,
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total_value,
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year,
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ia_irr_cap(currency or "HKD"),
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)
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year_values[str(year)] = {
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"guaranteedValue": guaranteed_value,
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"totalValue": total_value,
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"deathBenefit": death_benefit,
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"irr": round(irr * 100, 2) if irr is not None else None,
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"sourcePage": row.get("sourcePage"),
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}
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return {
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"fileId": product.get("fileId", ""),
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"pdfName": product.get("pdfName", ""),
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"companyId": product.get("companyId", ""),
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"productName": product.get("productName", ""),
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"kind": product.get("kind", "savings"),
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"currency": currency,
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"annualPremium": annual_premium,
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"payYears": pay_years,
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"totalPremium": total_premium,
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"sumInsured": _number(policy.get("sumInsured")),
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"breakevenYear": _find_breakeven_year(rows),
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"yearValues": year_values,
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}
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def _find_year(rows: list[dict], year: int) -> dict | None:
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for row in rows:
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if int(_number(row.get("policyYear"))) == year:
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return row
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return None
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def _find_breakeven_year(rows: list[dict]) -> int | None:
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for row in rows:
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premium = _number(row.get("totalPremiumPaid"))
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value = _number(row.get("totalSurrenderValue"))
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if premium > 0 and value >= premium:
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return int(_number(row.get("policyYear")))
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return None
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def _number(value) -> float:
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try:
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return float(value or 0)
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except (TypeError, ValueError):
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return 0.0
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