feat: 初始提交 - 科创企业特有风险的识别与管理 (数智风控系统)

2026-08-14 08:21:26 +08:00
commit a41576a8c0
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+# -*- coding: utf-8 -*-
+"""
+算法备案合规数据采集与查询模块
+匹配企业是否已完成网信办算法备案
+"""
+import json
+import logging
+from pathlib import Path
+from typing import Optional
+
+logger = logging.getLogger(__name__)
+
+DATA_DIR = Path(__file__).parent.parent / "data"
+
+
+def _load_algo_filings() -> list:
+    """加载算法备案数据"""
+    filepath = DATA_DIR / "algo_filings.json"
+    with open(filepath, "r", encoding="utf-8") as f:
+        return json.load(f)
+
+
+def check_algo_filing(company_name: str) -> dict:
+    """
+    查询企业的算法备案状态
+    """
+    filings = _load_algo_filings()
+    result = {
+        "has_filing": False,
+        "filings": [],
+        "needs_filing": False,  # 是否需要备案但未备案
+        "risk_level": "低",
+    }
+
+    for filing in filings:
+        if company_name in filing["company"] or filing["company"] in company_name:
+            result["has_filing"] = True
+            result["filings"].append(filing)
+
+    return result
+
+
+def assess_algo_compliance_risk(company_data: dict) -> dict:
+    """
+    综合评估企业的算法合规风险
+    考虑因素：是否涉及 AI 业务、是否已备案、数据出境风险
+    """
+    company_name = company_data.get("short_name", company_data.get("company_name", ""))
+    sector = company_data.get("sector", "")
+    compliance = company_data.get("compliance", {})
+
+    # 查询备案状态
+    filing_status = check_algo_filing(company_name)
+
+    # 判断是否需要备案
+    ai_related_sectors = ["AI", "软件", "互联网", "消费电子"]
+    needs_filing = sector in ai_related_sectors or "AI" in str(company_data.get("tech_route", {}))
+
+    # 综合评估
+    risk_level = "低"
+    risk_details = []
+
+    if needs_filing and not filing_status["has_filing"]:
+        algo_status = compliance.get("algo_filing_status", "")
+        if algo_status == "不适用":
+            risk_level = "低"
+        else:
+            risk_level = "高"
+            risk_details.append("涉及AI业务但未查到算法备案记录")
+
+    data_export_risk = compliance.get("data_export_risk", "低")
+    if data_export_risk == "高":
+        risk_level = "高"
+        risk_details.append("存在大量跨境数据传输，数据出境评估风险高")
+    elif data_export_risk == "中":
+        if risk_level != "高":
+            risk_level = "中"
+        risk_details.append("存在部分跨境数据传输，需关注数据出境合规")
+
+    return {
+        "company_name": company_name,
+        "needs_filing": needs_filing,
+        "filing_status": filing_status,
+        "data_export_risk": data_export_risk,
+        "overall_risk_level": risk_level,
+        "risk_details": risk_details,
+    }