487 lines
15 KiB
Go
487 lines
15 KiB
Go
package dwbg
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import (
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"math"
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"strconv"
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"strings"
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)
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const raScoreMax = 1000
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const (
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raWeightVerify = 0.10
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raWeightJudicialBase = 0.50
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raWeightCreditBase = 0.40
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raHighRiskThreshold = 400
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raForcedFScoreCap = 500 // 双高风险强制 F 档时，ra_score 上限（保留加权分，不置 0）
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raForcedFTotalHitThreshold = 5 // 司法 + 借贷命中总条数须超过此值才触发强制 F
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raFraudPointsPerHit = 23 // 欺诈每命中一项扣分（非整齐倍数）
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// 司法涉诉扣分系数（件数/条数 × 系数，带非整齐上限）
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raJudicialLawsuitTotalPerCase = 47
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raJudicialLawsuitTotalCap = 387
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raJudicialLawsuitWeiPerCase = 38
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raJudicialLawsuitWeiCap = 293
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raJudicialLawsuitBeigaoPerCase = 33
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raJudicialLawsuitBeigaoCap = 247
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raJudicialBreachPerCase = 143
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raJudicialBreachCap = 437
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raJudicialConsumptionPerCase = 187
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raJudicialConsumptionCap = 413
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// 借贷维度扣分
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raCreditOverduePoints = 287
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raCreditSleepPoints = 143
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raCreditPerformancePoints = 97
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raCreditProbeHitPoints = 103
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raCreditIntentReject = 387
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raCreditIntentReview = 237
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raCreditIntentWeightMult = 4 // Rule_final_weight × 4
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raCreditIntentWeightCap = 243
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// 身份核验扣分
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raVerifyMismatchPoints = 387
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raVerifyPresenceDesc = 73
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raVerifyPresenceStatus = 47
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xypModelScoreMin = 350
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xypModelScoreRiskThreshold = 650 // [350,950] 区间中位，低于此值视为高风险
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xypModelScoreRiskCapPerField = 97 // 单项上限，三项合计最高 291
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)
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// buildDWBG3BF9RA 构建顶层 RA 总体安全评估（千分制，分值越高越安全）
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//
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// 输出字段（对外）：
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// - ra_score / ra_level → 综合安全分与等级
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// - ra_credit_score → 借贷维度安全分（参与加权）
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// - ra_verify_score → 个人身份区安全分（参与加权）
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// - ra_credit_risk_index → 信用风险指数（越高风险越大，与 ra_score 同向）
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// - ra_performance_amt_index → 履约金额综合指数（越高越好）
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// - ra_performance_cnt_index → 履约笔数综合指数（越高越好）
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// 内部仍计算 fraud/judicial 分用于 ra_score 加权，但不对外返回。
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func buildDWBG3BF9RA(data map[string]interface{}) map[string]interface{} {
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creditScore := calcRACreditScore(data)
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judicialScore := calcRAJudicialScore(data)
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verifyScore := calcRAVerifyScore(data)
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total := calcRAWightedScore(verifyScore, judicialScore, creditScore)
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level := raLevelFromScore(total)
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if isRAForcedFGrade(data, judicialScore, creditScore) {
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level = "F"
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total = clampRAInt(total, 0, raForcedFScoreCap)
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}
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return map[string]interface{}{
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"ra_score": total,
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"ra_level": level,
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"ra_credit_score": creditScore,
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"ra_verify_score": verifyScore,
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"ra_credit_risk_index": calcRACreditRiskIndex(data, creditScore),
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"ra_performance_amt_index": calcRAPerformanceAmtIndex(data),
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"ra_performance_cnt_index": calcRAPerformanceCntIndex(data),
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}
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}
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// calcRAWightedScore 三维度动态加权汇总（身份 10% 固定 + 司法/借贷动态 90%）
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func calcRAWightedScore(verifyScore, judicialScore, creditScore int) int {
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wJudicial, wCredit := calcRADynamicWeights(judicialScore, creditScore)
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total := int(math.Round(
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float64(verifyScore)*raWeightVerify +
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float64(judicialScore)*wJudicial +
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float64(creditScore)*wCredit,
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))
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return clampRAInt(total, 0, raScoreMax)
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}
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// calcRADynamicWeights 按司法/借贷风险场景分配剩余 90% 权重（身份固定 10%）
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func calcRADynamicWeights(judicialScore, creditScore int) (wJudicial, wCredit float64) {
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hasJudicialRisk := judicialScore < raScoreMax
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hasCreditRisk := creditScore < raScoreMax
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switch {
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case hasJudicialRisk && hasCreditRisk:
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return 0.70, 0.20
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case hasJudicialRisk:
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return 0.65, 0.25
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case hasCreditRisk:
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return 0.40, 0.50
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default:
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return raWeightJudicialBase, raWeightCreditBase
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}
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}
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// isRAForcedFGrade 司法 + 借贷双重高风险且命中总条数 > 5 时强制 F 档
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func isRAForcedFGrade(data map[string]interface{}, judicialScore, creditScore int) bool {
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if judicialScore > raHighRiskThreshold || creditScore > raHighRiskThreshold {
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return false
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}
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totalHits := calcRAJudicialHitCount(data) + calcRACreditHitCount(data)
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return totalHits > raForcedFTotalHitThreshold
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}
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// calcRAJudicialHitCount 统计司法维度命中条数（涉诉件数 + 失信条数 + 限高条数）
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func calcRAJudicialHitCount(data map[string]interface{}) int {
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judicial := raAsMap(data["judicial"])
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if judicial == nil {
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return 0
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}
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judicialData := raAsMap(judicial["judicial_data"])
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if judicialData == nil {
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return 0
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}
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hits := 0
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if lawsuitStat := raAsMap(judicialData["lawsuitStat"]); lawsuitStat != nil {
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for _, section := range lawsuitStat {
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sectionMap := raAsMap(section)
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if sectionMap == nil {
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continue
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}
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count := raAsMap(sectionMap["count"])
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if count == nil {
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continue
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}
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hits += raAsInt(count["count_total"])
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}
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}
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hits += len(raAsSlice(judicialData["breachCaseList"]))
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hits += len(raAsSlice(judicialData["consumptionRestrictionList"]))
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return hits
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}
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// calcRACreditHitCount 统计借贷维度命中条数（探针 / 意向 / 借选模型分各算 1 条）
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func calcRACreditHitCount(data map[string]interface{}) int {
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hits := 0
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if probe := raAsMap(data["probe"]); probe != nil {
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if raAsString(probe["currently_overdue"]) == "1" {
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hits++
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}
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if raAsString(probe["acc_sleep"]) == "1" {
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hits++
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}
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if raAsString(probe["currently_performance"]) == "0" {
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hits++
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}
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if raAsString(probe["result_code"]) == "1" {
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hits++
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}
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}
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if intent := raAsMap(data["intent"]); intent != nil {
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switch raAsString(intent["Rule_final_decision"]) {
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case "Reject", "Review":
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hits++
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}
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}
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if rating := raAsMap(data["rating"]); rating != nil {
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for _, key := range []string{"xyp_model_score_high", "xyp_model_score_mid", "xyp_model_score_low"} {
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score := raXypModelScore(rating[key])
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if score >= xypModelScoreMin && score < xypModelScoreRiskThreshold {
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hits++
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}
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}
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}
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return hits
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}
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// raLevelFromScore 由 ra_score 映射等级（千分制，越高越安全，每档 100 分）
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// A: 900-1000 B: 800-899 C: 700-799 D: 600-699 E: 500-599 F: 0-499
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func raLevelFromScore(score int) string {
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switch {
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case score >= 900:
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return "A"
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case score >= 800:
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return "B"
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case score >= 700:
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return "C"
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case score >= 600:
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return "D"
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case score >= 500:
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return "E"
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default:
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return "F"
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}
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}
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// toRASafetyScore 将风险扣分转为安全分：安全分 = 1000 - 风险扣分
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func toRASafetyScore(riskPoints int) int {
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return clampRAInt(raScoreMax-riskPoints, 0, raScoreMax)
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}
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// calcRAFraudScore 欺诈/黑名单子维度安全分（来源：calcRAFraudRiskPoints）
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// 统计方式：满分 1000，根据 behavior/complaint/fraud/special 风险信号扣分后取补集；同时计入 ra_verify_score
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func calcRAFraudScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRAFraudRiskPoints(data))
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}
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// calcRAFraudRiskPoints 统计欺诈维度风险扣分（计入个人身份区，分值越高代表越不安全）
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// 每命中一项扣 raFraudPointsPerHit（23）分，多项独立累加
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func calcRAFraudRiskPoints(data map[string]interface{}) int {
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hits := 0
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// 来源子字段 behavior（JRZQV0MD 行为黑名单）
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if behavior := raAsMap(data["behavior"]); behavior != nil {
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if result := raAsMap(behavior["result"]); result != nil {
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if raAsString(result["black_list"]) == "1" {
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hits++
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}
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for k, v := range result {
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if strings.HasPrefix(k, "black_tag") && raAsString(v) == "1" {
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hits++
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}
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}
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}
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}
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// 来源子字段 complaint（JRZQVT43 投诉风险筛查）
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if complaint := raAsMap(data["complaint"]); complaint != nil {
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if result := raAsMap(complaint["result"]); result != nil {
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if raAsInt(result["score"]) > 0 {
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hits++
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}
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}
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}
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// 来源子字段 fraud（JRZQV3HM 债务欺诈黑名单）
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if fraud := raAsMap(data["fraud"]); fraud != nil {
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if raAsInt(fraud["hit"]) == 1 || raAsString(fraud["hit"]) == "1" {
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hits++
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}
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}
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// 来源子字段 special（JRZQV7MD 特殊名单）
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if special := raAsMap(data["special"]); special != nil && len(special) > 0 {
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switch raAsString(special["Rule_final_decision"]) {
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case "Reject", "Review":
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hits++
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}
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}
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return clampRAInt(hits*raFraudPointsPerHit, 0, raScoreMax)
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}
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// calcRACreditScore 借贷/逾期维度安全分（来源：calcRACreditRiskPoints）
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// 统计方式：满分 1000，根据 probe/intent/rating 风险信号扣分后取补集
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func calcRACreditScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRACreditRiskPoints(data))
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}
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// calcRACreditRiskPoints 统计借贷维度风险扣分
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func calcRACreditRiskPoints(data map[string]interface{}) int {
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risk := 0
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// 来源子字段 probe（JRZQ4B6C 探针C）
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if probe := raAsMap(data["probe"]); probe != nil {
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if raAsString(probe["currently_overdue"]) == "1" {
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risk += raCreditOverduePoints
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}
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if raAsString(probe["acc_sleep"]) == "1" {
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risk += raCreditSleepPoints
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}
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if raAsString(probe["currently_performance"]) == "0" {
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risk += raCreditPerformancePoints
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}
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if raAsString(probe["result_code"]) == "1" {
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risk += raCreditProbeHitPoints
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}
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}
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// 来源子字段 intent（JRZQ3C7B 借贷意向验证）
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if intent := raAsMap(data["intent"]); intent != nil {
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switch raAsString(intent["Rule_final_decision"]) {
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case "Reject":
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risk += raCreditIntentReject
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case "Review":
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risk += raCreditIntentReview
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}
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weight := raAsInt(intent["Rule_final_weight"])
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if weight > 0 {
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risk += clampRAInt(weight*raCreditIntentWeightMult, 0, raCreditIntentWeightCap)
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}
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}
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// 来源子字段 rating（JRZQ5E9F / loanRiskTagV21 借选指数）
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if rating := raAsMap(data["rating"]); rating != nil {
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risk += calcRARatingXypModelRiskPoints(rating)
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}
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return clampRAInt(risk, 0, raScoreMax)
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}
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// calcRARatingXypModelRiskPoints 根据借选指数三个模型分统计风险扣分
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// xyp_model_score_* 范围 [350,950]，越大逾期率越低；-1 为未命中，不参与计分
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func calcRARatingXypModelRiskPoints(rating map[string]interface{}) int {
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risk := 0
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for _, key := range []string{"xyp_model_score_high", "xyp_model_score_mid", "xyp_model_score_low"} {
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score := raXypModelScore(rating[key])
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if score < xypModelScoreMin || score >= xypModelScoreRiskThreshold {
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continue
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}
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risk += clampRAInt(xypModelScoreRiskThreshold-score, 0, xypModelScoreRiskCapPerField)
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}
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return risk
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}
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// raXypModelScore 解析借选指数模型分，未命中（-1 / 空）返回 -1
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func raXypModelScore(v interface{}) int {
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s := raAsString(v)
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if s == "" || s == "-1" {
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return -1
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}
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return raAsInt(v)
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}
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// calcRAJudicialScore 司法涉诉维度安全分（来源：calcRAJudicialRiskPoints）
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// 统计方式：满分 1000，根据 judicial.judicial_data 涉诉统计扣分后取补集
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func calcRAJudicialScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRAJudicialRiskPoints(data))
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}
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// calcRAJudicialRiskPoints 统计司法维度风险扣分
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func calcRAJudicialRiskPoints(data map[string]interface{}) int {
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risk := 0
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// 来源子字段 judicial（FLXG7E8F 个人司法数据查询）
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judicial := raAsMap(data["judicial"])
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if judicial == nil {
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return 0
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}
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judicialData := raAsMap(judicial["judicial_data"])
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if judicialData == nil {
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return 0
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}
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// lawsuitStat 下 civil/criminal/administrative/preservation 等节点累加
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if lawsuitStat := raAsMap(judicialData["lawsuitStat"]); lawsuitStat != nil {
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for _, section := range lawsuitStat {
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sectionMap := raAsMap(section)
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if sectionMap == nil {
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continue
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}
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count := raAsMap(sectionMap["count"])
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if count == nil {
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continue
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}
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risk += clampRAInt(raAsInt(count["count_total"])*raJudicialLawsuitTotalPerCase, 0, raJudicialLawsuitTotalCap)
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risk += clampRAInt(raAsInt(count["count_wei_total"])*raJudicialLawsuitWeiPerCase, 0, raJudicialLawsuitWeiCap)
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risk += clampRAInt(raAsInt(count["count_beigao"])*raJudicialLawsuitBeigaoPerCase, 0, raJudicialLawsuitBeigaoCap)
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}
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}
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risk += clampRAInt(len(raAsSlice(judicialData["breachCaseList"]))*raJudicialBreachPerCase, 0, raJudicialBreachCap)
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risk += clampRAInt(len(raAsSlice(judicialData["consumptionRestrictionList"]))*raJudicialConsumptionPerCase, 0, raJudicialConsumptionCap)
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return clampRAInt(risk, 0, raScoreMax)
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}
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// calcRAVerifyScore 个人身份区安全分（来源：calcRAVerifyRiskPoints）
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// 统计方式：满分 1000，核验异常 + 欺诈/黑名单信号扣分后取补集，参与 ra_score 10% 加权
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func calcRAVerifyScore(data map[string]interface{}) int {
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return toRASafetyScore(calcRAVerifyRiskPoints(data))
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}
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// calcRAVerifyRiskPoints 统计个人身份区风险扣分（核验 + 欺诈/黑名单）
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func calcRAVerifyRiskPoints(data map[string]interface{}) int {
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risk := 0
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// 来源子字段 triple（YYSYK9R4 三要素验证）
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if triple := raAsMap(data["triple"]); triple != nil {
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if state := raAsString(triple["state"]); state != "" && state != "1" {
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risk += raVerifyMismatchPoints
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}
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}
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// 来源子字段 identity（IVYZN2P8 二要素认证）
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if identity := raAsMap(data["identity"]); identity != nil {
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if result := raAsInt(identity["result"]); result != 0 {
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risk += raVerifyMismatchPoints
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}
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}
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// 来源子字段 presence（YYSYE7V5 在网状态）
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if presence := raAsMap(data["presence"]); presence != nil {
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desc := raAsString(presence["desc"])
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if strings.Contains(desc, "停机") || strings.Contains(desc, "销号") || strings.Contains(desc, "不在网") {
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risk += raVerifyPresenceDesc
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}
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if status := raAsInt(presence["status"]); status > 1 {
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risk += raVerifyPresenceStatus
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}
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}
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// 来源子字段 behavior / complaint / fraud / special（欺诈/黑名单，与 calcRAFraudRiskPoints 一致）
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risk += calcRAFraudRiskPoints(data)
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return clampRAInt(risk, 0, raScoreMax)
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}
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func raAsMap(v interface{}) map[string]interface{} {
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m, ok := v.(map[string]interface{})
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if !ok || m == nil {
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return nil
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}
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return m
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}
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func raAsSlice(v interface{}) []interface{} {
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s, ok := v.([]interface{})
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if !ok {
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return nil
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}
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return s
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}
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func raAsString(v interface{}) string {
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switch val := v.(type) {
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case string:
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return strings.TrimSpace(val)
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case float64:
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return strconv.FormatInt(int64(val), 10)
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case int:
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return strconv.Itoa(val)
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case int64:
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return strconv.FormatInt(val, 10)
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case bool:
|
||
if val {
|
||
return "1"
|
||
}
|
||
return "0"
|
||
default:
|
||
return ""
|
||
}
|
||
}
|
||
|
||
func raAsInt(v interface{}) int {
|
||
switch val := v.(type) {
|
||
case int:
|
||
return val
|
||
case int64:
|
||
return int(val)
|
||
case float64:
|
||
return int(val)
|
||
case string:
|
||
n, err := strconv.Atoi(strings.TrimSpace(val))
|
||
if err == nil {
|
||
return n
|
||
}
|
||
case bool:
|
||
if val {
|
||
return 1
|
||
}
|
||
}
|
||
return 0
|
||
}
|
||
|
||
func clampRAInt(v, min, max int) int {
|
||
if v < min {
|
||
return min
|
||
}
|
||
if v > max {
|
||
return max
|
||
}
|
||
return v
|
||
}
|