140 lines
4.6 KiB
Markdown
140 lines
4.6 KiB
Markdown
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# DWBG9FB3 RA 安全评估 — 千分制计算说明
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## 核心原则
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- 所有分值为**千分制（0-1000）**
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- **分值越高越安全**（与风险扣分相反）
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- 各维度先统计**风险扣分**，再换算：**安全分 = 1000 - 风险扣分**
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## 字段与方法对应关系
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| 输出字段 | 计算方法 | 统计逻辑 |
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| :--- | :--- | :--- |
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| `ra_fraud_score` | `calcRAFraudScore` | `1000 - calcRAFraudRiskPoints` |
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| `ra_credit_score` | `calcRACreditScore` | `1000 - calcRACreditRiskPoints` |
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| `ra_judicial_score` | `calcRAJudicialScore` | `1000 - calcRAJudicialRiskPoints` |
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| `ra_verify_score` | `calcRAVerifyScore` | `1000 - calcRAVerifyRiskPoints` |
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| `ra_score` | `buildDWBG9FB3RA` | 四维安全分加权汇总 |
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| `ra_level` | `raLevelFromScore` | 由 `ra_score` 映射 A-F |
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## 等级划分（越高越安全，每档间隔 100）
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| 等级 | 分数区间 | 含义 |
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| :--- | :--- | :--- |
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| A | 900 - 1000 | 最安全 |
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| B | 800 - 899 | 较安全 |
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| C | 700 - 799 | 一般 |
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| D | 600 - 699 | 较不安全 |
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| E | 500 - 599 | 不安全 |
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| F | 0 - 499 | 最不安全 |
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## 综合分公式（ra_score）
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```
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ra_score = round(
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ra_fraud_score × 25% +
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ra_credit_score × 35% +
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ra_judicial_score × 25% +
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ra_verify_score × 15%
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)
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```
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---
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## 一、ra_fraud_score
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- **方法链：** `calcRAFraudScore` → `calcRAFraudRiskPoints` → `toRASafetyScore`
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- **数据来源：** `behavior`、`complaint`、`fraud`、`special`
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| 风险扣分项 | 子字段路径 | 触发条件 | 扣分 |
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| :--- | :--- | :--- | :--- |
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| 行为黑名单 | `behavior.result.black_list` | `"1"` | 500 |
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| 行为黑标签 | `behavior.result.black_tag**` | 任意 `"1"` | 每个 80 |
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| 投诉风险 | `complaint.result.score` | 有值 | score×10，上限 300 |
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| 欺诈黑名单 | `fraud.hit` | `1` | 400 |
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| 特殊名单 | `special.Rule_final_decision` | `Reject` / `Review` | 350 / 200 |
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**安全分 = 1000 - 风险扣分（上限 1000）**
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### 样例（DWBG9FB3.json）
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风险扣分 110 → **ra_fraud_score = 890**
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---
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## 二、ra_credit_score
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- **方法链：** `calcRACreditScore` → `calcRACreditRiskPoints` → `toRASafetyScore`
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- **数据来源：** `probe`、`intent`、`rating`
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| 风险扣分项 | 子字段路径 | 触发条件 | 扣分 |
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| :--- | :--- | :--- | :--- |
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| 当前逾期 | `probe.currently_overdue` | `"1"` | 300 |
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| 睡眠账户 | `probe.acc_sleep` | `"1"` | 150 |
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| 未履约 | `probe.currently_performance` | `"0"` | 100 |
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| 探针命中 | `probe.result_code` | `"1"` | 100 |
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| 借贷意向 | `intent.Rule_final_decision` | `Reject` / `Review` | 400 / 250 |
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| 规则权重 | `intent.Rule_final_weight` | 有值 | weight×5，上限 250 |
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| 借选指数低 | `rating.score` | 0<score<500 | 500-score，上限 300 |
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### 样例（DWBG9FB3.json）
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风险扣分 1100（截断 1000）→ **ra_credit_score = 0**
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---
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## 三、ra_judicial_score
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- **方法链：** `calcRAJudicialScore` → `calcRAJudicialRiskPoints` → `toRASafetyScore`
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- **数据来源：** `judicial.judicial_data`
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| 风险扣分项 | 子字段路径 | 触发条件 | 扣分 |
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| :--- | :--- | :--- | :--- |
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| 涉诉总件数 | `lawsuitStat.*.count.count_total` | 各类型累加 | 每件 80，单项上限 400 |
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| 未结案数 | `lawsuitStat.*.count.count_wei_total` | 各类型累加 | 每件 60，单项上限 300 |
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| 被告件数 | `lawsuitStat.*.count.count_beigao` | 各类型累加 | 每件 50，单项上限 250 |
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| 失信案件 | `breachCaseList` 长度 | 每条 | 150，上限 450 |
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| 限高名单 | `consumptionRestrictionList` 长度 | 每条 | 200，上限 400 |
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### 样例（DWBG9FB3.json）
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风险扣分 420 → **ra_judicial_score = 580**
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---
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## 四、ra_verify_score
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- **方法链：** `calcRAVerifyScore` → `calcRAVerifyRiskPoints` → `toRASafetyScore`
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- **数据来源：** `triple`、`identity`、`presence`
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| 风险扣分项 | 子字段路径 | 触发条件 | 扣分 |
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| :--- | :--- | :--- | :--- |
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| 三要素不一致 | `triple.state` | 有值且不为 `"1"` | 400 |
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| 二要素不一致 | `identity.result` | 不为 `0` | 400 |
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| 在网异常 | `presence.desc` | 含停机/销号/不在网 | 150 |
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| 状态码异常 | `presence.status` | 大于 `1` | 100 |
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### 样例（DWBG9FB3.json）
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风险扣分 150 → **ra_verify_score = 850**
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---
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## 五、综合分与等级（样例）
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```
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ra_score = round(890×0.25 + 0×0.35 + 580×0.25 + 850×0.15)
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= round(222.5 + 0 + 145 + 127.5)
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= 495
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ra_level = "F"
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```
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## 代码位置
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| 方法 | 文件 |
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| :--- | :--- |
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| `buildDWBG9FB3RA` | `dwbg9fb3_ra.go` |
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| `calcRA*Score` / `calcRA*RiskPoints` | `dwbg9fb3_ra.go` |
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| `toRASafetyScore` | `dwbg9fb3_ra.go` |
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| `raLevelFromScore` | `dwbg9fb3_ra.go` |
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