# -*- 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)