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.
This commit is contained in:
wren
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metadata:
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type_id: contract.loan.general
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name: 借款合同
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version: '1.0'
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last_updated: '2026-04-11'
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parent: contract
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inherits_from:
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- base.common
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- base.party_info
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classification_keywords:
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- 借款
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- 借贷
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- 民间借贷
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tags:
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- compliance
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- high_priority
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- prc_civil_code
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- usury_check
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applies_to_jurisdictions:
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- prc
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references_laws:
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- 《民法典》第 667-680 条（借款合同章）
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- 《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》（2020 修正）
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- 《民法典》第 387-462 条（担保物权）
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description: '适用于民间借贷 / 企业间借款 / 自然人借款等场景。
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覆盖民法典第 667-680 条（借款合同章）和最高法民间借贷司法解释。
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评查重点：利率合法性、担保完备性、禁止利滚利。
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'
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confidence_profile:
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allow_weight_override: false
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field_confidence_defaults:
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借款本金: 0.95
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年利率: 0.95
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extract:
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- group: 当事人
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fields:
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- name: 借款人姓名
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type: verbatim
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required_from: draft
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deep_retry: false
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- name: 借款人身份证
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type: chinese-id
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required_from: executed
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deep_retry: false
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- name: 借款人地址
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type: verbatim
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required_from: draft
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deep_retry: false
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- name: 出借人姓名
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type: verbatim
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required_from: draft
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deep_retry: false
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- name: 出借人身份证
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type: chinese-id
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required_from: executed
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deep_retry: false
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- group: 合同信息
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fields:
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- name: 合同编号
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type: verbatim
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required_from: draft
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deep_retry: false
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- name: 签订日期
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type: date
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required_from: executed
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deep_retry: false
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- name: 借款日期
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type: date
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required_from: executed
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deep_retry: false
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- name: 还款日期
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type: date
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required_from: executed
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deep_retry: false
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- group: 借款条款
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fields:
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- name: 借款本金
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type: money
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required_from: draft
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deep_retry: false
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- name: 借款本金大写
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type: verbatim
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required_from: executed
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deep_retry: false
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- name: 借款用途
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type: string
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required_from: draft
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deep_retry: false
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- name: 年利率
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type: money
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required_from: draft
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deep_retry: false
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- name: 还款方式
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type: enum
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required_from: draft
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allowed:
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- 一次性还本付息
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- 分期还款
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- 先息后本
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deep_retry: false
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- name: 违约金金额
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type: money
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required_from: draft
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deep_retry: false
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- name: 违约责任
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type: string
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required_from: draft
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deep_retry: false
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- name: 争议解决
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type: string
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required_from: draft
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deep_retry: false
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- group: 'Multi-entity: 担保人（核心特性展示）'
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fields:
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- name: 担保人
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type: multi_entity
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required_from: draft
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fields:
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- name: 姓名
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type: verbatim
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required_from: draft
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deep_retry: false
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- name: 身份证号
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type: chinese-id
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required_from: executed
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deep_retry: false
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- name: 地址
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type: verbatim
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required_from: draft
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deep_retry: false
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- name: 担保金额
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type: money
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required_from: draft
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deep_retry: false
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- name: 担保方式
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type: enum
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required_from: draft
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allowed:
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- 一般保证
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- 连带责任保证
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deep_retry: false
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- name: 担保期限
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type: date
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required_from: draft
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deep_retry: false
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deep_retry: false
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derived_fields:
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- name: 借款总天数
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type: integer
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compute: (还款日期 - 借款日期).days
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depends_on:
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- 借款日期
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- 还款日期
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- name: 违约金比例
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type: money
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compute: 违约金金额 / 借款本金
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depends_on:
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- 违约金金额
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- 借款本金
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- name: 担保总额
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type: money
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compute: sum(担保人[*].担保金额)
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depends_on:
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- 担保人
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- name: 担保人数量
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type: integer
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compute: count(担保人)
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depends_on:
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- 担保人
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- name: LPR_4x
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type: money
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compute: external.lpr_lookup(tenor='1y') * 4
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depends_on: []
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visual_elements:
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seals:
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- id: 借款人签章
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name: 借款人签章
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required: true
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required_from: executed
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expected_text_match:
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field: 借款人姓名
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- id: 出借人签章
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name: 出借人签章
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required: true
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required_from: executed
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expected_text_match:
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field: 出借人姓名
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signatures:
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- id: 借款人签名
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name: 借款人手写签名
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required: true
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required_from: executed
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expected_text_match:
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field: 借款人姓名
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- id: 出借人签名
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name: 出借人手写签名
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required: true
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required_from: executed
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expected_text_match:
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field: 出借人姓名
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rules:
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- group: 合同主体
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rules:
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- rule_id: JK-001
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name: 借款主体合法性
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risk: high
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score: 10
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stages:
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- id: '1'
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check: required
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fields:
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- 借款人姓名
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- 出借人姓名
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logic: and
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- id: '2'
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check: format
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field: 借款人身份证
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format: chinese_id
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- id: '3'
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check: format
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field: 出借人身份证
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format: chinese_id
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logic: 1 AND 2 AND 3
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messages:
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pass: 借贷双方身份合法
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fail: 借贷双方身份信息不完整或身份证校验失败
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references_laws:
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- 《民法典》第 667 条
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type: deterministic
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- group: 利率合规
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rules:
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- rule_id: JK-002
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name: 利率不超过法定上限（LPR × 4 倍）
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risk: high
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score: 20
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depends_on:
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- when: derived.LPR_4x != null
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stages:
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- id: '1'
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check: required
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field: 年利率
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- id: '2'
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check: compare
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left: 年利率
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op: <
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right_field: derived.LPR_4x
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logic: 1 AND 2
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messages:
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pass: 年利率 {{年利率}} 未超过 LPR 4 倍（{{derived.LPR_4x}}）
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fail: 年利率 {{年利率}} 超过法定上限 LPR 4 倍（{{derived.LPR_4x}}）
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references_laws:
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- 《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》（2020 修正）第 25 条
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- 《民法典》第 680 条（禁止高利放贷）
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remediation:
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suggestions:
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- 本合同年利率 {{年利率}}，超过当前 LPR 4 倍上限 {{derived.LPR_4x}}
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- 按 2020 修正司法解释，超出部分法院不予保护
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- 请降低利率至 LPR 4 倍以内
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actions:
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- type: edit_field
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label: 降低年利率
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field: 年利率
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prompt: 请输入合法年利率（不超过 {{derived.LPR_4x}}）
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- type: escalate
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label: 疑似高利贷，上报合规组
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role: 合规专员
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type: deterministic
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- rule_id: JK-GROUP-INTEREST
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name: 利率合规总判定
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risk: high
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score: 30
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logic: JK-002 AND JK-005 AND JK-006
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messages:
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pass: 利率与违约条款全部合规
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fail: 利率或违约条款有瑕疵，存在合规风险
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type: rule_group
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rules:
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- JK-002
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- JK-005
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- JK-006
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- group: 担保条款
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rules:
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- rule_id: JK-003
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name: 担保人身份合法性
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risk: high
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score: 15
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activate_if: derived.担保人数量 > 0
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stages:
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- id: '1'
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type: multi_entity.count_ge
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field: 担保人
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value: 1
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- id: '2'
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check: format
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field: 担保人[*].身份证号
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format: chinese_id
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- id: '3'
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check: required
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field: 担保人[*].姓名
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logic: 1 AND 2 AND 3
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messages:
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pass: 所有 {{derived.担保人数量}} 位担保人身份合法
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fail: 至少一位担保人身份信息缺失或身份证校验失败
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remediation:
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suggestions:
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- 共 {{derived.担保人数量}} 位担保人，至少一位的身份证校验失败
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- 请逐个核对每位担保人的身份证号
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actions:
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- type: recheck_field
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label: 重新核对所有担保人身份证
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field: 担保人[*].身份证号
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type: deterministic
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- rule_id: JK-004
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name: 担保总额覆盖借款本金
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risk: high
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score: 15
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activate_if: derived.担保人数量 > 0
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stages:
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- id: '1'
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check: compare
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left: derived.担保总额
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op: '>='
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right_field: 借款本金
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logic: '1'
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messages:
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pass: 担保总额 {{derived.担保总额}} 覆盖借款本金 {{借款本金}}
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fail: 担保总额 {{derived.担保总额}} 不足以覆盖借款本金 {{借款本金}}
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remediation:
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suggestions:
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- 当前 {{derived.担保人数量}} 位担保人担保总额 {{derived.担保总额}}
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- 借款本金 {{借款本金}}，担保不足
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- 建议：(1) 增加担保人 (2) 提高现有担保金额 (3) 补充物的担保
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actions:
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- type: edit_field
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label: 调整担保金额
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field: 担保人[*].担保金额
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- type: escalate
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label: 担保不足，上报风控
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role: 风控经理
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type: deterministic
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- group: 条款合规
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rules:
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- rule_id: JK-005
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name: 禁止利滚利与高利贷条款
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risk: high
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score: 15
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stages:
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- id: '1'
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type: string.must_not_contain
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field: 违约责任
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forbidden_keywords:
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- 利滚利
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- 复利
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- 利息计入本金
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- 砍头息
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- 预扣利息
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- id: '2'
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type: string.must_not_contain
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field: 借款用途
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forbidden_keywords:
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- 非法经营
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- 赌博
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- 洗钱
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logic: 1 AND 2
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messages:
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pass: 未发现利滚利或非法用途条款
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fail: 发现违法条款，建议删除或修改
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references_laws:
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- 《民法典》第 680 条
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- 《民法典》第 670 条（禁止预扣利息）
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remediation:
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suggestions:
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- 检出禁止性条款，本合同可能被法院认定为无效或部分无效
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- 请删除违法条款或整体重新起草
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actions:
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- type: edit_field
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||||
label: 修改违约责任条款
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field: 违约责任
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- type: escalate
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label: 涉嫌违法条款，上报法务
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role: 法务经理
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type: deterministic
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- group: 违约条款
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rules:
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- rule_id: JK-006
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name: 违约金不超过借款本金 30%
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||||
risk: medium
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||||
score: 10
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||||
stages:
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||||
- id: '1'
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||||
check: required
|
||||
fields:
|
||||
- 违约金金额
|
||||
- 借款本金
|
||||
logic: and
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||||
- id: '2'
|
||||
type: money.ratio_within
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||||
numerator: 违约金金额
|
||||
denominator: 借款本金
|
||||
min: 0.0
|
||||
max: 0.3
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||||
logic: 1 AND 2
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||||
messages:
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||||
pass: 违约金比例 {{derived.违约金比例}} 合规
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||||
fail: 违约金 {{违约金金额}} 占借款本金 {{借款本金}} 的比例超过 30%
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||||
references_laws:
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||||
- 《民法典》第 585 条（违约金不得过分高于损失）
|
||||
type: deterministic
|
||||
- group: 金额条款
|
||||
rules:
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||||
- rule_id: JK-007
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||||
name: 借款本金大小写一致性
|
||||
risk: high
|
||||
score: 10
|
||||
stages:
|
||||
- id: '1'
|
||||
check: required
|
||||
fields:
|
||||
- 借款本金
|
||||
- 借款本金大写
|
||||
logic: and
|
||||
- id: '2'
|
||||
check: amount_match
|
||||
number: 借款本金
|
||||
chinese: 借款本金大写
|
||||
logic: 1 AND 2
|
||||
messages:
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pass: 借款本金大小写一致
|
||||
fail: 借款本金大小写不一致，涉嫌篡改
|
||||
type: deterministic
|
||||
- group: 期限条款
|
||||
rules:
|
||||
- rule_id: JK-008
|
||||
name: 借款期限合理性
|
||||
risk: medium
|
||||
score: 5
|
||||
depends_on:
|
||||
- when: JK-001.passed
|
||||
stages:
|
||||
- id: '1'
|
||||
check: required
|
||||
fields:
|
||||
- 借款日期
|
||||
- 还款日期
|
||||
logic: and
|
||||
- id: '2'
|
||||
type: date.after
|
||||
field: 还款日期
|
||||
ref_field: 借款日期
|
||||
- id: '3'
|
||||
check: assert
|
||||
expr: parse_date(签订日期) != None and (today() - parse_date(签订日期)).days >= 0 and (today() - parse_date(签订日期)).days <= 1825
|
||||
logic: 1 AND 2 AND 3
|
||||
messages:
|
||||
pass: 借款期限合规
|
||||
fail: 借款日期颠倒 或 合同签订过旧
|
||||
type: deterministic
|
||||
- group: 印章合规
|
||||
rules:
|
||||
- rule_id: JK-SEAL-001
|
||||
name: 借贷双方签章齐全
|
||||
risk: high
|
||||
score: 10
|
||||
stages:
|
||||
- id: '1'
|
||||
type: seal.present
|
||||
seal_id: 借款人签章
|
||||
- id: '2'
|
||||
type: seal.present
|
||||
seal_id: 出借人签章
|
||||
logic: 1 AND 2
|
||||
messages:
|
||||
pass: 双方签章齐全
|
||||
fail: 缺少借款人或出借人签章
|
||||
remediation:
|
||||
by_phase:
|
||||
draft:
|
||||
suggestions:
|
||||
- 草稿阶段无需盖章
|
||||
actions:
|
||||
- type: noop
|
||||
executed:
|
||||
suggestions:
|
||||
- 民间借贷纠纷中，无签章的合同证据效力较弱
|
||||
- 请补盖双方印章或提供签名
|
||||
actions:
|
||||
- type: upload_file
|
||||
label: 补扫签章页
|
||||
file_type: 签章页
|
||||
type: deterministic
|
||||
Reference in New Issue
Block a user