TanWenyan/leaudit-platform-backend
1
0
Fork 0
Code Issues Pull Requests Actions Packages Projects Releases Wiki Activity
Files
main
leaudit-platform-backend/rules/contract_loan/rules.test.yaml
T
wren 535d97a70c 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

323 lines
13 KiB
YAML
Raw Permalink Blame History

This file contains ambiguous Unicode characters
This file contains Unicode characters that might be confused with other characters. If you think that this is intentional, you can safely ignore this warning. Use the Escape button to reveal them.
# ═════════════════════════════════════════════════════════════════
# 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
Reference in New Issue View Git Blame Copy Permalink