# ═════════════════════════════════════════════════════════════════ # 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