chore: initial commit — leaudit-platform project skeleton

17-table PostgreSQL schema with full Chinese column comments, FastAPI project structure (admin/common/modules), DSL rule files, and schema migration scripts.
2026-04-27 16:48:22 +08:00
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+# ═════════════════════════════════════════════════════════════════
+# 借款合同 · 回归测试用例
+# ═════════════════════════════════════════════════════════════════
+# 配套文件：contract_loan.yaml
+# 重点展示：multi_entity / derived fields / external 数据源 mock
+
+target: contract_loan.yaml
+
+# 外部数据源的 mock 值（替代真实 API 调用）
+external_mocks:
+  lpr_lookup:
+    "1y": 0.0345                  # 当前 1 年 LPR = 3.45%
+    # 推导：LPR_4x = 0.0345 * 4 = 0.138
+
+fixtures:
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-001 · 借款主体合法性
+  # ═════════════════════════════════════════════════════════════
+  JK-001:
+    - name: 已执行-借贷双方合法
+      phase: executed
+      extract:
+        借款人姓名: 张三
+        借款人身份证: "110101197001011234"
+        出借人姓名: 李四
+        出借人身份证: "310102198505051234"
+      expected: pass
+
+    - name: 已执行-借款人身份证校验失败
+      phase: executed
+      extract:
+        借款人姓名: 张三
+        借款人身份证: "110101197001011230"    # 末位错
+        出借人姓名: 李四
+        出借人身份证: "310102198505051234"
+      expected: fail
+
+    - name: 草稿-只有姓名
+      phase: draft
+      extract:
+        借款人姓名: 张三
+        出借人姓名: 李四
+      expected: pass                            # 草稿阶段身份证待补
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-002 · 利率不超过 LPR × 4（核心规则）
+  # 依赖 external.lpr_lookup mock：LPR_4x = 0.138
+  # ═════════════════════════════════════════════════════════════
+  JK-002:
+    - name: 年利率 10% 合规
+      phase: executed
+      extract:
+        年利率: 0.10
+        # derived.LPR_4x = 0.138（mock 值）
+      expected: pass
+
+    - name: 年利率 20% 超限
+      phase: executed
+      extract:
+        年利率: 0.20
+      expected: fail
+
+    - name: 年利率正好等于 LPR×4（边界）
+      phase: executed
+      extract:
+        年利率: 0.138
+      expected: fail                             # money.lt 严格小于
+
+    - name: 年利率 0.137 边界内
+      phase: executed
+      extract:
+        年利率: 0.137
+      expected: pass
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-003 · 所有担保人身份合法（multi-entity 核心测试）
+  # ═════════════════════════════════════════════════════════════
+  JK-003:
+    - name: 三担保人全合法
+      phase: executed
+      extract:
+        担保人:
+          - {姓名: 张三, 身份证号: "110101197001011234", 担保金额: 500000, 担保方式: 连带责任保证}
+          - {姓名: 李四, 身份证号: "310102198505051234", 担保金额: 800000, 担保方式: 连带责任保证}
+          - {姓名: 王五, 身份证号: "440103199212121234", 担保金额: 300000, 担保方式: 一般保证}
+      expected: pass
+
+    - name: 第二个担保人身份证校验失败
+      phase: executed
+      extract:
+        担保人:
+          - {姓名: 张三, 身份证号: "110101197001011234", 担保金额: 500000, 担保方式: 连带责任保证}
+          - {姓名: 李四, 身份证号: "310102198505051230", 担保金额: 800000, 担保方式: 连带责任保证}   # 末位错
+          - {姓名: 王五, 身份证号: "440103199212121234", 担保金额: 300000, 担保方式: 一般保证}
+      expected: fail                             # [*] 遍历，任一失败整体 fail
+
+    - name: 第一个担保人姓名缺失
+      phase: executed
+      extract:
+        担保人:
+          - {姓名: null, 身份证号: "110101197001011234", 担保金额: 500000, 担保方式: 连带责任保证}
+          - {姓名: 李四, 身份证号: "310102198505051234", 担保金额: 800000, 担保方式: 连带责任保证}
+      expected: fail
+
+    - name: 无担保人（规则跳过）
+      phase: executed
+      extract:
+        担保人: []
+      expected: skipped                          # activate_if 条件不满足
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-004 · 担保总额覆盖借款本金（sum_ge 聚合）
+  # ═════════════════════════════════════════════════════════════
+  JK-004:
+    - name: 担保覆盖
+      phase: executed
+      extract:
+        借款本金: 1500000
+        担保人:
+          - {姓名: 张三, 担保金额: 500000, 担保方式: 连带责任保证}
+          - {姓名: 李四, 担保金额: 800000, 担保方式: 连带责任保证}
+          - {姓名: 王五, 担保金额: 300000, 担保方式: 一般保证}
+      # derived.担保总额 = 1600000 >= 借款本金 1500000
+      expected: pass
+
+    - name: 担保不足
+      phase: executed
+      extract:
+        借款本金: 2000000
+        担保人:
+          - {姓名: 张三, 担保金额: 500000, 担保方式: 连带责任保证}
+          - {姓名: 李四, 担保金额: 800000, 担保方式: 连带责任保证}
+      # derived.担保总额 = 1300000 < 借款本金 2000000
+      expected: fail
+
+    - name: 担保恰好等于本金
+      phase: executed
+      extract:
+        借款本金: 1000000
+        担保人:
+          - {姓名: 张三, 担保金额: 1000000, 担保方式: 连带责任保证}
+      expected: pass
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-005 · 禁止利滚利
+  # ═════════════════════════════════════════════════════════════
+  JK-005:
+    - name: 正常违约条款
+      phase: executed
+      extract:
+        违约责任: 借款人逾期还款的，按每日 0.05% 支付违约金，违约金不超过借款本金 30%
+        借款用途: 企业日常经营周转
+      expected: pass
+
+    - name: 出现利滚利字样
+      phase: executed
+      extract:
+        违约责任: 借款人违约的，利息计入本金后继续计息，利滚利
+        借款用途: 企业日常经营周转
+      expected: fail
+
+    - name: 借款用途违法
+      phase: executed
+      extract:
+        违约责任: 正常违约金条款
+        借款用途: 用于赌博和非法经营活动
+      expected: fail
+
+    - name: 出现砍头息
+      phase: executed
+      extract:
+        违约责任: 出借人有权预扣利息，砍头息为借款的 10%
+        借款用途: 经营周转
+      expected: fail
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-006 · 违约金不超过 30%（ratio_within）
+  # ═════════════════════════════════════════════════════════════
+  JK-006:
+    - name: 违约金 20%（合规）
+      phase: executed
+      extract:
+        借款本金: 1000000
+        违约金金额: 200000
+      # derived.违约金比例 = 0.20
+      expected: pass
+
+    - name: 违约金 35%（超限）
+      phase: executed
+      extract:
+        借款本金: 1000000
+        违约金金额: 350000
+      expected: fail
+
+    - name: 违约金 30%（边界，恰好到上限）
+      phase: executed
+      extract:
+        借款本金: 1000000
+        违约金金额: 300000
+      expected: pass                             # ratio_within max=0.30 是闭区间
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-007 · 借款本金大小写一致性
+  # ═════════════════════════════════════════════════════════════
+  JK-007:
+    - name: 大小写一致
+      phase: executed
+      extract:
+        借款本金: 1000000
+        借款本金大写: 壹佰万元整
+      expected: pass
+
+    - name: 大小写不一致
+      phase: executed
+      extract:
+        借款本金: 1000000
+        借款本金大写: 壹拾万元整                 # 差一位
+      expected: fail
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-008 · 借款期限合理性（带 depends_on）
+  # ═════════════════════════════════════════════════════════════
+  JK-008:
+    - name: 正常期限
+      phase: executed
+      extract:
+        借款人姓名: 张三
+        借款人身份证: "110101197001011234"
+        出借人姓名: 李四
+        出借人身份证: "310102198505051234"
+        借款日期: "2024-01-01"
+        还款日期: "2025-01-01"
+        签订日期: "2024-01-01"
+      expected: pass
+
+    - name: 借款日期晚于还款日期
+      phase: executed
+      extract:
+        借款人姓名: 张三
+        借款人身份证: "110101197001011234"
+        出借人姓名: 李四
+        出借人身份证: "310102198505051234"
+        借款日期: "2024-06-01"
+        还款日期: "2024-01-01"                   # ← 颠倒
+        签订日期: "2024-01-01"
+      expected: fail
+
+    - name: 依赖规则失败时本规则被跳过
+      phase: executed
+      extract:
+        借款人姓名: 张三
+        借款人身份证: "110101197001011230"       # JK-001 会失败
+        出借人姓名: 李四
+        出借人身份证: "310102198505051234"
+        借款日期: "2024-01-01"
+        还款日期: "2025-01-01"
+      expected: skipped_dependency               # JK-001 失败 → 本规则跳过
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-SEAL-001 · 双方签章
+  # ═════════════════════════════════════════════════════════════
+  JK-SEAL-001:
+    - name: 双方签章齐全
+      phase: executed
+      extract:
+        借款人姓名: 张三
+        出借人姓名: 李四
+      visual_manifest:
+        seals:
+          - id: 借款人签章
+            detection_score: 0.94
+            ocr_text: 张三
+          - id: 出借人签章
+            detection_score: 0.92
+            ocr_text: 李四
+      expected: pass
+
+    - name: 缺出借人签章
+      phase: executed
+      extract:
+        借款人姓名: 张三
+        出借人姓名: 李四
+      visual_manifest:
+        seals:
+          - id: 借款人签章
+            detection_score: 0.94
+            ocr_text: 张三
+      expected: fail
+
+    - name: 草稿阶段无签章（规则跳过）
+      phase: draft
+      extract:
+        借款人姓名: 张三
+        出借人姓名: 李四
+      visual_manifest:
+        seals: []
+      expected: skipped_phase
+
+  # ═════════════════════════════════════════════════════════════
+  # JK-GROUP-INTEREST · 利率合规总判定（规则组）
+  # ═════════════════════════════════════════════════════════════
+  JK-GROUP-INTEREST:
+    - name: 全部子规则通过
+      phase: executed
+      extract:
+        年利率: 0.10
+        违约责任: 正常违约金条款
+        借款用途: 经营周转
+        借款本金: 1000000
+        违约金金额: 200000
+      expected: pass
+
+    - name: 子规则 JK-002 失败导致组失败
+      phase: executed
+      extract:
+        年利率: 0.25                             # 超限
+        违约责任: 正常违约金条款
+        借款用途: 经营周转
+        借款本金: 1000000
+        违约金金额: 200000
+      expected: fail