283 lines
7.4 KiB
YAML
283 lines
7.4 KiB
YAML
target: rules.yaml
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external_mocks:
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lpr_lookup:
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1y: 0.0345
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fixtures:
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JK-001:
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- name: 已执行-借贷双方合法
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phase: executed
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extract:
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借款人姓名: 张三
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借款人身份证: '110101197001011234'
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出借人姓名: 李四
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出借人身份证: '310102198505051234'
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expected: pass
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- name: 已执行-借款人身份证校验失败
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phase: executed
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extract:
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借款人姓名: 张三
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借款人身份证: '110101197001011230'
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出借人姓名: 李四
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出借人身份证: '310102198505051234'
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expected: fail
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- name: 草稿-只有姓名
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phase: draft
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extract:
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借款人姓名: 张三
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出借人姓名: 李四
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expected: pass
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JK-002:
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- name: 年利率 10% 合规
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phase: executed
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extract:
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年利率: 0.1
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expected: pass
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- name: 年利率 20% 超限
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phase: executed
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extract:
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年利率: 0.2
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expected: fail
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- name: 年利率正好等于 LPR×4（边界）
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phase: executed
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extract:
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年利率: 0.138
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expected: fail
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- name: 年利率 0.137 边界内
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phase: executed
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extract:
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年利率: 0.137
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expected: pass
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JK-003:
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- name: 三担保人全合法
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phase: executed
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extract:
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担保人:
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- 姓名: 张三
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身份证号: '110101197001011234'
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担保金额: 500000
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担保方式: 连带责任保证
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- 姓名: 李四
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身份证号: '310102198505051234'
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担保金额: 800000
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担保方式: 连带责任保证
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- 姓名: 王五
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身份证号: '440103199212121234'
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担保金额: 300000
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担保方式: 一般保证
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expected: pass
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- name: 第二个担保人身份证校验失败
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phase: executed
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extract:
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担保人:
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- 姓名: 张三
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身份证号: '110101197001011234'
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担保金额: 500000
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担保方式: 连带责任保证
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- 姓名: 李四
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身份证号: '310102198505051230'
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担保金额: 800000
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担保方式: 连带责任保证
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- 姓名: 王五
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身份证号: '440103199212121234'
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担保金额: 300000
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担保方式: 一般保证
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expected: fail
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- name: 第一个担保人姓名缺失
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phase: executed
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extract:
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担保人:
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- 姓名: null
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身份证号: '110101197001011234'
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担保金额: 500000
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担保方式: 连带责任保证
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- 姓名: 李四
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身份证号: '310102198505051234'
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担保金额: 800000
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担保方式: 连带责任保证
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expected: fail
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- name: 无担保人（规则跳过）
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phase: executed
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extract:
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担保人: []
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expected: skipped
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JK-004:
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- name: 担保覆盖
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phase: executed
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extract:
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借款本金: 1500000
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担保人:
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- 姓名: 张三
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担保金额: 500000
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担保方式: 连带责任保证
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- 姓名: 李四
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担保金额: 800000
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担保方式: 连带责任保证
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- 姓名: 王五
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担保金额: 300000
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担保方式: 一般保证
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expected: pass
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- name: 担保不足
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phase: executed
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extract:
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借款本金: 2000000
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担保人:
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- 姓名: 张三
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担保金额: 500000
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担保方式: 连带责任保证
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- 姓名: 李四
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担保金额: 800000
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担保方式: 连带责任保证
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expected: fail
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- name: 担保恰好等于本金
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phase: executed
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extract:
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借款本金: 1000000
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担保人:
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- 姓名: 张三
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担保金额: 1000000
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担保方式: 连带责任保证
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expected: pass
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JK-005:
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- name: 正常违约条款
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phase: executed
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extract:
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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%
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借款用途: 企业日常经营周转
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expected: pass
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- name: 出现利滚利字样
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phase: executed
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extract:
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违约责任: 借款人违约的，利息计入本金后继续计息，利滚利
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借款用途: 企业日常经营周转
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expected: fail
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- name: 借款用途违法
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phase: executed
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extract:
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违约责任: 正常违约金条款
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借款用途: 用于赌博和非法经营活动
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expected: fail
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- name: 出现砍头息
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phase: executed
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extract:
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违约责任: 出借人有权预扣利息，砍头息为借款的 10%
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借款用途: 经营周转
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expected: fail
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JK-006:
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- name: 违约金 20%（合规）
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phase: executed
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extract:
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借款本金: 1000000
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违约金金额: 200000
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expected: pass
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- name: 违约金 35%（超限）
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phase: executed
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extract:
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借款本金: 1000000
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违约金金额: 350000
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expected: fail
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- name: 违约金 30%（边界，恰好到上限）
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phase: executed
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extract:
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借款本金: 1000000
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违约金金额: 300000
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expected: pass
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JK-007:
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- name: 大小写一致
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phase: executed
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extract:
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借款本金: 1000000
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借款本金大写: 壹佰万元整
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expected: pass
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- name: 大小写不一致
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phase: executed
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extract:
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借款本金: 1000000
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借款本金大写: 壹拾万元整
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expected: fail
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JK-008:
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- name: 正常期限
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phase: executed
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extract:
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借款人姓名: 张三
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借款人身份证: '110101197001011234'
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出借人姓名: 李四
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出借人身份证: '310102198505051234'
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借款日期: '2024-01-01'
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还款日期: '2025-01-01'
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签订日期: '2024-01-01'
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expected: pass
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- name: 借款日期晚于还款日期
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phase: executed
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extract:
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借款人姓名: 张三
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借款人身份证: '110101197001011234'
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出借人姓名: 李四
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出借人身份证: '310102198505051234'
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借款日期: '2024-06-01'
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还款日期: '2024-01-01'
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签订日期: '2024-01-01'
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expected: fail
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- name: 依赖规则失败时本规则被跳过
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phase: executed
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extract:
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借款人姓名: 张三
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借款人身份证: '110101197001011230'
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出借人姓名: 李四
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出借人身份证: '310102198505051234'
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借款日期: '2024-01-01'
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还款日期: '2025-01-01'
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expected: skipped_dependency
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JK-SEAL-001:
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- name: 双方签章齐全
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phase: executed
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extract:
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借款人姓名: 张三
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出借人姓名: 李四
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visual_manifest:
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seals:
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- id: 借款人签章
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detection_score: 0.94
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ocr_text: 张三
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- id: 出借人签章
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detection_score: 0.92
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ocr_text: 李四
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expected: pass
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- name: 缺出借人签章
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phase: executed
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extract:
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借款人姓名: 张三
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出借人姓名: 李四
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visual_manifest:
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seals:
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- id: 借款人签章
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detection_score: 0.94
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ocr_text: 张三
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expected: fail
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- name: 草稿阶段无签章（规则跳过）
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phase: draft
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extract:
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借款人姓名: 张三
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出借人姓名: 李四
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visual_manifest:
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seals: []
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expected: skipped_phase
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JK-GROUP-INTEREST:
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- name: 全部子规则通过
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phase: executed
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extract:
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年利率: 0.1
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违约责任: 正常违约金条款
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借款用途: 经营周转
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借款本金: 1000000
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违约金金额: 200000
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expected: pass
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- name: 子规则 JK-002 失败导致组失败
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phase: executed
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extract:
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年利率: 0.25
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违约责任: 正常违约金条款
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借款用途: 经营周转
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借款本金: 1000000
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违约金金额: 200000
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expected: fail
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