airz-uniapp/packages/finance/services/records.uts

import { getSession, requestJson } from '@/services/api.uts'
import { assessmentApiPayload, draftText } from '@/services/assessment.uts'
import { assessmentRequestKey } from '@/services/assessment-flow.uts'
import { yuanToWan, wanToYuan } from '@/services/money.uts'
import { demandValidationMessage } from '@/services/assessment-demand.uts'

export type AssessmentRecord = { id: string, type: string, status: string, statusLabel: string, message: string, city: string, submittedAt: string, taskId: string, stage: string, canRetry: boolean }
export type AssessmentPage = { items: AssessmentRecord[], hasMore: boolean, nextCursor: string }
export type AssessmentField = { label: string, value: string }
export type ArchiveSection = { id: string, icon: string, title: string, note: string, fields: AssessmentField[], provided: number }
export type AssessmentDetail = { record: AssessmentRecord, fields: AssessmentField[], sections: ArchiveSection[] }
export type ArchiveCompleteness = { percent: number | null, description: string }

// 档案只消费报告中已保存的完整度，不用当前表单规则重算旧评估，也不把缺失当作0%。
export async function fetchArchiveCompleteness(id: string): Promise<ArchiveCompleteness> {
    const report = await requestJson('/assessments/' + encodeURIComponent(id) + '/report', 'GET', {})
    if (report.getString('assessmentId') != id) throw new Error('报告与当前档案不一致')
    if (report.getNumber('resultVersion') == 1) return { percent: null, description: '这份旧版报告未计算完整度，已提交资料仍可查看。' }
    if (report.getNumber('resultVersion') != 2) throw new Error('报告格式暂不支持')
    const completeness = report['completeness'] as UTSJSONObject | null
    if (completeness == null || completeness.getString('status') != 'evaluated') return { percent: null, description: '这份报告尚未评定资料完整度。' }
    const percent = completeness.getNumber('percent')
    if (percent == null || !Number.isInteger(percent) || percent < 0 || percent > 100) throw new Error('完整度数据暂不可读取')
    return { percent, description: '反映本次评估时的资料填写情况，不代表信用评分或审批结果。' }
}

function recordFrom(item: UTSJSONObject): AssessmentRecord {
    const submitted = draftText(item, 'submittedAt')
    const date = new Date(submitted)
    const pad = (value: number): string => value < 10 ? '0' + value.toString() : value.toString()
    const dateLabel = submitted.length == 0 || isNaN(date.getTime()) ? '时间未知' : date.getFullYear().toString() + '-' + pad(date.getMonth() + 1) + '-' + pad(date.getDate()) + ' ' + pad(date.getHours()) + ':' + pad(date.getMinutes())
    return { id: draftText(item, 'assessmentId'), type: draftText(item, 'type'), status: draftText(item, 'status'), statusLabel: draftText(item, 'statusLabel'), message: draftText(item, 'message'), city: draftText(item, 'city'), submittedAt: dateLabel, taskId: draftText(item, 'taskId'), stage: draftText(item, 'stage'), canRetry: item['canRetry'] == true }
}

export async function retryAssessment(id: string, requestId: string): Promise<void> {
    await requestJson('/assessments/' + encodeURIComponent(id) + '/retry', 'POST', { requestId })
}

export type ReportMatching = { status: string, snapshotId: string, ruleVersion: string, orderingVersion: string, eligible: string, ineligible: string, unknown: string }
export type AnalysisReport = { version: number, generatedAt: string, completenessPercent: number | null, matching: ReportMatching, summary: string, facts: AssessmentField[], observations: string[], suggestions: string[], dataGaps: string[], disclaimer: string, matchingMessage: string, modelCode: string, demand: AssessmentField[], completenessText: string, completenessItems: AssessmentField[], readinessLabel: string, readinessBasis: string[], warnings: string[] }
export async function fetchAnalysisReport(id: string): Promise<AnalysisReport> {
    const result = await requestJson('/assessments/' + encodeURIComponent(id) + '/report', 'GET', {})
    const version = result['resultVersion'] as number
    if (result['assessmentId'] != id || (version != 1 && version != 2) || (version == 1 && result['reportType'] != 'self_reported_analysis') || (version == 2 && result['reportType'] != 'financing_needs_analysis')) throw new Error('报告格式不支持')
    const date = new Date(draftText(result, 'generatedAt'))
    const pad = (value: number): string => value < 10 ? '0' + value.toString() : value.toString()
    const generatedAt = isNaN(date.getTime()) ? '未记录' : date.getFullYear().toString() + '-' + pad(date.getMonth() + 1) + '-' + pad(date.getDate()) + ' ' + pad(date.getHours()) + ':' + pad(date.getMinutes())
    const rawMatching = result['matching'] as UTSJSONObject | null
    const matching: ReportMatching = { status: 'unavailable', snapshotId: '', ruleVersion: '', orderingVersion: '', eligible: '—', ineligible: '—', unknown: '—' }
    if (version == 2 && rawMatching != null) {
        matching.status = draftText(rawMatching, 'status')
        if (!['completed','unavailable'].includes(matching.status)) throw new Error('报告匹配状态暂不可读取')
        if (matching.status == 'completed') {
            matching.snapshotId = draftText(rawMatching, 'catalogSnapshotId'); matching.ruleVersion = draftText(rawMatching, 'ruleVersion'); matching.orderingVersion = draftText(rawMatching, 'orderingPolicyVersion')
            const count = (key: string): string => { const value = rawMatching!.getNumber(key); if (value == null || !Number.isInteger(value) || value < 0) throw new Error('报告匹配统计暂不可读取'); return value.toString() }
            matching.eligible = count('candidateCount'); matching.ineligible = count('ineligibleCount'); matching.unknown = count('unknownCount')
            if (matching.snapshotId.length == 0 || matching.ruleVersion.length == 0 || matching.orderingVersion.length == 0) throw new Error('报告匹配版本暂不可读取')
        }
    }
    const facts: AssessmentField[] = []
    const rawFacts = result['facts'] as UTSJSONObject[]
    rawFacts.forEach((fact: UTSJSONObject) => {
        const raw = fact['value']
        let value = raw == null ? '未填写' : (typeof raw == 'number' ? (raw as number).toString() : draftText(fact, 'value'))
        if (fact['value'] != null && fact['unit'] == 'yuan') value = yuanToWan(value) + ' 万元'
        if (fact['value'] != null && fact['unit'] == 'month') value += ' 个月'
        if (fact['state'] == 'invalid') value = '格式需核实'
        const enumLabels: UTSJSONObject = { six_months_plus: '连续缴纳6个月以上', under_six_months: '缴纳不足6个月', none: '无' }
        if (enumLabels[value] != null) value = enumLabels[value] as string
        // v2的需求在独立区块展示，避免用途代码和同一金额重复出现。
        if (version == 2 && ['requestedAmountYuan', 'requestedTermMonths', 'purposeCode'].includes(draftText(fact, 'fieldKey'))) return
        facts.push({ label: draftText(fact, 'label'), value } as AssessmentField)
    })
    if (version == 2) {
        const demandData = result['demand'] as UTSJSONObject
        const completeness = result['completeness'] as UTSJSONObject
        const readiness = result['readiness'] as UTSJSONObject
        const items = completeness['items'] as UTSJSONObject[]
        const basis = readiness['basis'] as UTSJSONObject[]
        const stateLabels: UTSJSONObject = { provided: '已填写', missing: '待补充', invalid: '需核实', not_applicable: '不适用' }
        const completenessItems = items.map((item: UTSJSONObject): AssessmentField => ({ label: draftText(item, 'label'), value: stateLabels[draftText(item, 'state')] as string }))
        const demand: AssessmentField[] = [
            { label: '融资金额', value: yuanToWan(draftText(demandData, 'requestedAmountYuan')) + ' 万元' },
            { label: '融资期限', value: (demandData['requestedTermMonths'] as number).toString() + ' 个月' },
            { label: '资金用途', value: draftText(demandData, 'purposeLabel') }
        ]
        const evaluated = completeness['status'] == 'evaluated'
        const completenessPercent = evaluated ? completeness.getNumber('percent') : null
        if (evaluated && (completenessPercent == null || !Number.isInteger(completenessPercent) || completenessPercent < 0 || completenessPercent > 100)) throw new Error('完整度数据暂不可读取')
        const completenessText = evaluated ? (completeness['percent'] as number).toString() + '% · 已填写 ' + (completeness['providedCount'] as number).toString() + ' / ' + (completeness['applicableCount'] as number).toString() + ' 项' : '资料完整度规则待配置'
        // 模型文本仅显示已通过后端验证的证据引用；准备状态不由模型推导。
        const explain = (key: string): string[] => (result[key] as UTSJSONObject[]).map((item: UTSJSONObject): string => {
            const labels = (item['evidenceRefs'] as string[]).map((ref: string): string => {
                if (ref.startsWith('fact:')) {
                    const fact = rawFacts.find((entry: UTSJSONObject): boolean => draftText(entry, 'fieldKey') == ref.slice(5))
                    return fact == null ? '' : draftText(fact, 'label')
                }
                const entry = basis.find((entry: UTSJSONObject): boolean => draftText(entry, 'basisId') == ref.slice(10))
                return entry == null ? '' : draftText(entry, 'message')
            }).filter((label: string): boolean => label.length > 0)
            return draftText(item, 'text') + (labels.length > 0 ? '（依据：' + labels.join('；') + '）' : '')
        })
        return { version, generatedAt, completenessPercent, matching, summary: draftText(result, 'summary'), facts, observations: explain('strengths'), suggestions: explain('improvements'), dataGaps: explain('riskWarnings'),
            // 新报告展示服务端冻结结果的统计；旧报告无此字段时保留原提示，不重算历史。
            disclaimer: draftText(result, 'disclaimer'), matchingMessage: draftText(result, 'matchingMessage').length > 0 ? draftText(result, 'matchingMessage') : '产品资料及匹配规则尚未就绪，本报告未执行产品匹配。', modelCode: draftText(result, 'modelCode'),
            demand, completenessText, completenessItems, readinessLabel: readiness['status'] == 'evaluated' ? draftText(readiness, 'label') : '未评定',
            readinessBasis: basis.map((item: UTSJSONObject): string => draftText(item, 'message')), warnings: result['systemWarnings'] as string[] }
    }
    const observations = (result['observations'] as UTSJSONObject[]).map((item: UTSJSONObject): string => {
        const fact = rawFacts.find((entry: UTSJSONObject): boolean => entry['id'] == item['factId'])
        return (fact == null ? '' : draftText(fact, 'label') + '：') + draftText(item, 'text')
    })
    return { version, generatedAt, completenessPercent: null, matching, summary: draftText(result, 'summary'), facts, observations, suggestions: result['suggestions'] as string[], dataGaps: result['dataGaps'] as string[], disclaimer: draftText(result, 'disclaimer'), matchingMessage: draftText(result, 'matchingMessage'), modelCode: draftText(result, 'modelCode'), demand: [], completenessText: '旧版报告未计算资料完整度', completenessItems: [], readinessLabel: '未评定', readinessBasis: [], warnings: [] }
}

function enumValue(value: string, labels: string[], codes: string[]): string | null {
    if (value.length == 0) return null
    const index = labels.indexOf(value)
    if (index < 0) throw new Error('选项已变化，请重新选择')
    return codes[index]
}

export async function createAssessment(payload: UTSJSONObject): Promise<string> {
    const session = getSession()
    if (session == null) throw new Error('请先登录')
    const demandError = demandValidationMessage(draftText(payload, 'requestedAmountWan'), draftText(payload, 'requestedTermMonths'), draftText(payload, 'purposeCode'), draftText(payload, 'purposeDetail'))
    if (demandError.length > 0) throw new Error(demandError)
    const documents = payload['documents'] as UTSJSONObject[] | null
    const grants = payload['authorizations'] as string[] | null
    if ((documents != null && documents.length > 0) || (grants != null && grants.length > 0)) throw new Error('资料上传与外部查询授权尚未开放，请移除资料及授权选择后提交')
    const values = assessmentApiPayload(payload)
    const form = new UTSJSONObject()
    const textKeys = ['name', 'idCard', 'phone', 'city', 'occupation', 'company', 'enterpriseName', 'businessCode']
    const moneyKeys = ['monthlyIncome', 'annualRevenue', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardTotalLimit', 'creditCardUsedLimit']
    textKeys.concat(moneyKeys).forEach((key: string) => { const value = draftText(values, key).trim(); form[key] = value.length == 0 ? null : value })
    if (form['idCard'] != null) form['idCard'] = (form['idCard'] as string).toUpperCase()
    if (form['businessCode'] != null) form['businessCode'] = (form['businessCode'] as string).toUpperCase()
    const countKeys = ['creditLoanCount', 'creditCardCount', 'operatingMonths']
    countKeys.forEach((key: string) => {
        const value = draftText(values, key)
        if (value.length > 0 && !/^[0-9]{1,4}$/.test(value)) throw new Error('数量与经营月数须为0至9999的整数')
        form[key] = value.length == 0 ? null : parseInt(value)
    })
    form['maritalStatus'] = enumValue(draftText(values, 'maritalStatus'), ['已婚', '未婚', '离异', '丧偶'], ['married', 'single', 'divorced', 'widowed'])
    const socialKeys = ['socialSecurity', 'housingFund']
    socialKeys.forEach((key: string) => { form[key] = enumValue(draftText(values, key), ['连续缴纳 6 个月以上', '缴纳不足 6 个月', '未缴纳'], ['six_months_plus', 'under_six_months', 'none']) })
    const ownershipKeys = ['house', 'car']
    ownershipKeys.forEach((key: string) => { form[key] = enumValue(draftText(values, key), ['有', '无'], ['yes', 'no']) })
    const cityNames = ['深圳市', '广州市', '北京市', '上海市', '杭州市']
    const cityCodes = ['440300', '440100', '110100', '310100', '330100']
    const cityIndex = cityNames.indexOf(draftText(values, 'city'))
    form['cityCode'] = cityIndex < 0 ? null : cityCodes[cityIndex]
    // 需求金额单独命名单位，仅在提交边界换算，避免与收入及负债混用。
    form['requestedAmountYuan'] = wanToYuan(draftText(payload, 'requestedAmountWan'))
    form['requestedTermMonths'] = parseInt(draftText(payload, 'requestedTermMonths'))
    form['purposeCode'] = draftText(payload, 'purposeCode')
    form['purposeDetail'] = form['purposeCode'] == 'other' ? draftText(payload, 'purposeDetail').trim() : null
    const body: UTSJSONObject = { inputVersion: 2, type: values['type'], moneyUnit: 'yuan', form, documents: [] as UTSJSONObject[], consentIds: [] as string[] }
    body['requestId'] = assessmentRequestKey(session['token'] as string, JSON.stringify(body))
    const result = await requestJson('/assessments', 'POST', body)
    const id = draftText(result, 'assessmentId')
    if (id.length == 0) throw new Error('提交回执不完整，请重试')
    return id
}

export async function fetchAssessments(cursor: string, type: string = ''): Promise<AssessmentPage> {
    const params: UTSJSONObject = { limit: '20', cursor }
    // 按主体在服务端过滤后分页，不能只过滤当前页而漏掉更早的企业/个人档案。
    if (type.length > 0) params['type'] = type
    const result = await requestJson('/assessments', 'GET', params)
    const items = result['items'] as UTSJSONObject[] | null
    return { items: items == null ? [] : items.map((item: UTSJSONObject): AssessmentRecord => recordFrom(item)), hasMore: result['hasMore'] == true, nextCursor: draftText(result, 'nextCursor') }
}

export async function fetchAssessmentStatus(id: string): Promise<AssessmentRecord> {
    return recordFrom(await requestJson('/assessments/' + encodeURIComponent(id) + '/status', 'GET', {}))
}

export async function fetchAssessmentDetail(id: string): Promise<AssessmentDetail> {
    const result = await requestJson('/assessments/' + encodeURIComponent(id), 'GET', {})
    const form = result['form'] as UTSJSONObject | null
    if (form == null) throw new Error('评估详情不完整')
    const fields: AssessmentField[] = []
    const enterprise = result['type'] == 'enterprise'
    const sections: ArchiveSection[] = [
        { id: 'basic', icon: 'file-text', title: '基本信息', note: enterprise ? '企业、联系人与融资需求' : '身份、联系方式与融资需求', fields: [], provided: 0 },
        { id: 'income', icon: 'income', title: enterprise ? '经营信息' : '职业与收入', note: enterprise ? '经营行业、月数与营收' : '职业、收入与缴纳情况', fields: [], provided: 0 },
        { id: 'assets', icon: 'asset', title: '资产与负债', note: '贷款、信用卡额度与房车情况', fields: [], provided: 0 },
        { id: 'authorization', icon: 'authorization', title: '资料与授权', note: '私有资料与外部查询授权', fields: [], provided: 0 }
    ]
    const addField = (section: number, label: string, value: string, provided: boolean) => {
        const field: AssessmentField = { label, value }
        fields.push(field); sections[section].fields.push(field)
        if (provided) sections[section].provided++
    }
    const keys = ['name', 'phone', 'city', 'idCard', 'enterpriseName', 'businessCode', 'occupation', 'company', 'operatingMonths', 'monthlyIncome', 'annualRevenue', 'creditLoanCount', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardCount', 'creditCardTotalLimit', 'creditCardUsedLimit', 'maritalStatus', 'socialSecurity', 'housingFund', 'house', 'car']
    const legacy = result['inputVersion'] == null || result['inputVersion'] == 1
    // 历史记录使用提交时冻结的用途标签，不拿当前字典重新解释旧需求。
    addField(0, '融资金额', legacy ? '当时未采集' : yuanToWan(draftText(form, 'requestedAmountYuan')) + ' 万元', !legacy && form['requestedAmountYuan'] != null)
    const term = form['requestedTermMonths'] as number | null
    addField(0, '融资期限', legacy || term == null ? '当时未采集' : term.toString() + ' 个月', !legacy && term != null)
    addField(0, '资金用途', legacy ? '当时未采集' : draftText(form, 'purposeLabel'), !legacy && form['purposeCode'] != null)
    if (form['purposeCode'] == 'other') addField(0, '用途说明', draftText(form, 'purposeDetail'), draftText(form, 'purposeDetail').length > 0)
    const labels = ['姓名 / 联系人', '手机号', '城市', '身份证号', '企业名称', '信用代码', '职业 / 行业', '工作单位', '经营月数', '月收入', '年营收', '信用贷款笔数', '欠款总余额', '贷款月还款金额', '信用卡张数', '信用卡总额度', '信用卡已用额度', '婚姻状况', '社保缴纳', '公积金缴纳', '是否有房', '是否有车']
    const moneyKeys = ['monthlyIncome', 'annualRevenue', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardTotalLimit', 'creditCardUsedLimit']
    const enumLabels: UTSJSONObject = { married: '已婚', single: '未婚', divorced: '离异', widowed: '丧偶', yes: '有', no: '无', six_months_plus: '连续缴纳6个月以上', under_six_months: '缴纳不足6个月', none: '未缴纳' }
    keys.forEach((key: string, index: number) => {
        const raw = form[key]
        let value = raw == null ? '未填写' : (typeof raw == 'number' ? (raw as number).toString() : raw as string)
        if (raw != null && moneyKeys.includes(key)) value = yuanToWan(value) + ' 万元'
        if (raw != null && key == 'operatingMonths') value += ' 个月'
        if (['maritalStatus', 'socialSecurity', 'housingFund', 'house', 'car'].includes(key) && enumLabels[value] != null) value = enumLabels[value] as string
        const personalOnly = ['idCard', 'company', 'monthlyIncome', 'maritalStatus', 'socialSecurity', 'housingFund']
        const enterpriseOnly = ['enterpriseName', 'businessCode', 'operatingMonths', 'annualRevenue']
        if ((result['type'] == 'enterprise' && personalOnly.includes(key)) || (result['type'] == 'personal' && enterpriseOnly.includes(key))) return
        const incomeKeys = ['occupation', 'company', 'operatingMonths', 'monthlyIncome', 'annualRevenue', 'socialSecurity', 'housingFund']
        const assetKeys = ['creditLoanCount', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardCount', 'creditCardTotalLimit', 'creditCardUsedLimit', 'house', 'car']
        // “无”及数值0都是已填写，不能用真值判断遗漏零负债、零经营月数。
        addField(incomeKeys.includes(key) ? 1 : (assetKeys.includes(key) ? 2 : 0), labels[index], value, raw != null && value.length > 0)
    })
    return { record: recordFrom(result), fields, sections }
}