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 -*-
+"""
+核保决策报告生成器
+生成结构化的风险评估报告
+"""
+import json
+import logging
+from datetime import datetime
+from typing import Optional
+
+logger = logging.getLogger(__name__)
+
+
+def generate_report(
+    company_data: dict,
+    debate_result: dict,
+    pricing_results: list,
+) -> dict:
+    """
+    生成完整的核保决策报告
+    """
+    company_name = company_data.get("short_name", "未知企业")
+    judge = debate_result.get("judge_result", {})
+    scores = judge.get("six_dimension_scores", {})
+    comprehensive = judge.get("comprehensive_score", 50)
+    decision = judge.get("underwriting_decision", "标准承保")
+
+    report = {
+        "title": f"科创企业智能风控核保报告 —— {company_name}",
+        "report_id": f"RPT-{datetime.now().strftime('%Y%m%d%H%M%S')}",
+        "generate_time": datetime.now().strftime("%Y-%m-%d %H:%M:%S"),
+        "company_profile": {
+            "name": company_name,
+            "stock_code": company_data.get("stock_code", ""),
+            "industry": company_data.get("industry", ""),
+            "sector": company_data.get("sector", ""),
+            "description": company_data.get("description", ""),
+        },
+        "risk_assessment": {
+            "comprehensive_score": comprehensive,
+            "risk_level": judge.get("risk_level", "中"),
+            "six_dimension_scores": scores,
+            "key_risks": judge.get("key_risks", []),
+        },
+        "debate_summary": {
+            "law_findings": debate_result.get("law_result", {}).get("key_findings", []),
+            "tech_findings": debate_result.get("tech_result", {}).get("key_findings", []),
+            "fin_findings": debate_result.get("finance_result", {}).get("key_findings", []),
+            "conflicts": debate_result.get("conflicts", []),
+            "resolution": judge.get("conflict_resolution", ""),
+        },
+        "underwriting_decision": {
+            "decision": decision,
+            "conditions": judge.get("underwriting_conditions", []),
+            "summary": judge.get("summary", ""),
+        },
+        "pricing": pricing_results,
+    }
+
+    return report
+
+
+def format_report_markdown(report: dict) -> str:
+    """将报告格式化为 Markdown"""
+    lines = []
+    lines.append(f"# {report['title']}")
+    lines.append(f"\n> 报告编号: {report['report_id']} | 生成时间: {report['generate_time']}")
+
+    # 企业概况
+    profile = report["company_profile"]
+    lines.append("\n## 一、企业概况")
+    lines.append(f"- **企业名称**: {profile['name']}")
+    lines.append(f"- **股票代码**: {profile['stock_code']}")
+    lines.append(f"- **所属行业**: {profile['industry']}")
+    lines.append(f"- **企业描述**: {profile['description']}")
+
+    # 风险评估
+    risk = report["risk_assessment"]
+    lines.append("\n## 二、风险评估")
+    lines.append(f"- **综合风险评分**: {risk['comprehensive_score']} 分")
+    lines.append(f"- **风险等级**: {risk['risk_level']}")
+
+    lines.append("\n### 六维风险评分")
+    dim_names = {
+        "tech_disruption": "技术路线颠覆",
+        "talent_loss": "核心人员流失",
+        "algo_compliance": "算法/数据合规",
+        "geopolitical": "地缘政治/出口管制",
+        "rd_capitalization": "研发资本化操纵",
+        "concentration": "客户/供应商集中",
+    }
+    lines.append("| 风险维度 | 评分 | 等级 |")
+    lines.append("|---------|------|------|")
+    for dim, score in risk.get("six_dimension_scores", {}).items():
+        name = dim_names.get(dim, dim)
+        level = "高" if score >= 70 else ("中" if score >= 40 else "低")
+        lines.append(f"| {name} | {score} | {level} |")
+
+    # 辩论摘要
+    debate = report["debate_summary"]
+    lines.append("\n## 三、多智能体交叉验证摘要")
+
+    lines.append("\n### 👩‍⚖️ 法务风控节点")
+    for f in debate.get("law_findings", []):
+        lines.append(f"- {f}")
+
+    lines.append("\n### 👨‍🔬 技术风控节点")
+    for f in debate.get("tech_findings", []):
+        lines.append(f"- {f}")
+
+    lines.append("\n### 👔 财务风控节点")
+    for f in debate.get("fin_findings", []):
+        lines.append(f"- {f}")
+
+    if debate.get("conflicts"):
+        lines.append("\n### ⚠️ 冲突点")
+        for c in debate["conflicts"]:
+            lines.append(f"- {c}")
+
+    # 核保决策
+    uw = report["underwriting_decision"]
+    lines.append(f"\n## 四、核保决策")
+    lines.append(f"\n**决策**: 【{uw['decision']}】")
+    lines.append(f"\n{uw.get('summary', '')}")
+
+    if uw.get("conditions"):
+        lines.append("\n### 核保附加条件")
+        for c in uw["conditions"]:
+            lines.append(f"- {c}")
+
+    # 保费方案
+    lines.append("\n## 五、保险产品费率方案")
+    if report.get("pricing"):
+        lines.append("| 险种 | 基础保费 | 最终保费 | 保额 | 免赔率 |")
+        lines.append("|------|---------|---------|------|--------|")
+        for p in report["pricing"]:
+            if p.get("is_insurable"):
+                lines.append(
+                    f"| {p['product_name']} | ¥{p['base_premium']:,.0f} | "
+                    f"¥{p['final_premium']:,.0f} | ¥{p['adjusted_coverage']:,.0f} | "
+                    f"{p['deductible_rate']:.0%} |"
+                )
+            else:
+                lines.append(f"| {p['product_name']} | - | **拒保** | - | - |")
+
+    return "\n".join(lines)