调整流水打标规则口径

2026-07-13 13:05:35 +08:00
parent 2c6c982ed3
commit 7a317204f7
4 changed files with 171 additions and 14 deletions
--- a/ccdi-project/src/main/resources/mapper/ccdi/project/CcdiBankTagAnalysisMapper.xml
+++ b/ccdi-project/src/main/resources/mapper/ccdi/project/CcdiBankTagAnalysisMapper.xml
@@ -388,11 +388,23 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
                staff.id_card AS idCard,
                SUM(IFNULL(bs.AMOUNT_DR, 0) + IFNULL(bs.AMOUNT_CR, 0)) AS annualAmount
            from ccdi_bank_statement bs
+            inner join (
+                select
+                    max(COALESCE(
+                        STR_TO_DATE(LEFT(TRIM(anchor_bs.TRX_DATE), 19), '%Y-%m-%d %H:%i:%s'),
+                        STR_TO_DATE(LEFT(TRIM(anchor_bs.TRX_DATE), 10), '%Y-%m-%d')
+                    )) AS anchorDate
+                from ccdi_bank_statement anchor_bs
+                where anchor_bs.project_id = #{projectId}
+            ) project_anchor on project_anchor.anchorDate is not null
            inner join ccdi_base_staff staff on staff.id_card = bs.cret_no
            where bs.project_id = #{projectId}
              and IFNULL(bs.LE_ACCOUNT_NAME, '') &lt;&gt; IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '')
              and <include refid="financialProductExclusionPredicate"/>
-              and STR_TO_DATE(LEFT(TRIM(bs.TRX_DATE), 10), '%Y-%m-%d') >= DATE_SUB(CURDATE(), INTERVAL 12 MONTH)
+              and COALESCE(
+                  STR_TO_DATE(LEFT(TRIM(bs.TRX_DATE), 19), '%Y-%m-%d %H:%i:%s'),
+                  STR_TO_DATE(LEFT(TRIM(bs.TRX_DATE), 10), '%Y-%m-%d')
+              ) >= DATE_SUB(project_anchor.anchorDate, INTERVAL 12 MONTH)
            group by staff.id_card
            having SUM(IFNULL(bs.AMOUNT_DR, 0) + IFNULL(bs.AMOUNT_CR, 0)) > #{threshold}
        ) t
@@ -541,11 +553,23 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
                max(IFNULL(bs.LE_ACCOUNT_NAME, '')) AS personName,
                ROUND(SUM(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0))), 2) AS annualAmount
            from ccdi_bank_statement bs
+            inner join (
+                select
+                    max(COALESCE(
+                        STR_TO_DATE(LEFT(TRIM(anchor_bs.TRX_DATE), 19), '%Y-%m-%d %H:%i:%s'),
+                        STR_TO_DATE(LEFT(TRIM(anchor_bs.TRX_DATE), 10), '%Y-%m-%d')
+                    )) AS anchorDate
+                from ccdi_bank_statement anchor_bs
+                where anchor_bs.project_id = #{projectId}
+            ) project_anchor on project_anchor.anchorDate is not null
            where bs.project_id = #{projectId}
              and <include refid="externalPersonPredicateSql"/>
              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 0
              and <include refid="financialProductExclusionPredicate"/>
-              and STR_TO_DATE(LEFT(TRIM(bs.TRX_DATE), 10), '%Y-%m-%d') >= DATE_SUB(CURDATE(), INTERVAL 12 MONTH)
+              and COALESCE(
+                  STR_TO_DATE(LEFT(TRIM(bs.TRX_DATE), 19), '%Y-%m-%d %H:%i:%s'),
+                  STR_TO_DATE(LEFT(TRIM(bs.TRX_DATE), 10), '%Y-%m-%d')
+              ) >= DATE_SUB(project_anchor.anchorDate, INTERVAL 12 MONTH)
            group by bs.cret_no
            having ROUND(SUM(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0))), 2) > #{threshold}
        ) t
@@ -775,12 +799,13 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
            CONCAT(
                '摘要/对手命中赌博敏感词，摘要“', IFNULL(bs.USER_MEMO, ''),
                '”，对手方“', IFNULL(bs.CUSTOMER_ACCOUNT_NAME, ''),
-                '”，支出金额 ', CAST(IFNULL(bs.AMOUNT_DR, 0) AS CHAR), ' 元'
+                '”，支出金额 ', CAST(IFNULL(bs.AMOUNT_DR, 0) AS CHAR),
+                ' 元，达到敏感交易最低金额 200 元'
            ) AS reasonDetail
        from ccdi_bank_statement bs
        inner join ccdi_base_staff staff on staff.id_card = bs.cret_no
        where bs.project_id = #{projectId}
-          and IFNULL(bs.AMOUNT_DR, 0) > 0
+          and IFNULL(bs.AMOUNT_DR, 0) >= 200
          and (
              IFNULL(bs.USER_MEMO, '') REGEXP '游戏|抖币|体彩|福彩|彩票|赌博|赌球|下注|投注|球赛投注|外围|博彩|六合|时时彩|赛车|赌场|筹码|盘口|返水|洗码|庄家|闲家|百家乐|斗牛|炸金花|牌九|麻将|捕鱼|电子游艺|VIP666|USDT下注'
              or IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') REGEXP '游戏|抖币|体彩|福彩|彩票|赌博|赌球|下注|投注|球赛投注|外围|博彩|六合|时时彩|赛车|赌场|筹码|盘口|返水|洗码|庄家|闲家|百家乐|斗牛|炸金花|牌九|麻将|捕鱼|电子游艺|VIP666|USDT下注'
@@ -796,12 +821,13 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
                '外部人员“', IFNULL(bs.LE_ACCOUNT_NAME, ''),
                '”摘要/对手方命中疑似赌博关键词，摘要“', IFNULL(bs.USER_MEMO, ''),
                '”，对手方“', IFNULL(bs.CUSTOMER_ACCOUNT_NAME, ''),
-                '”，交易金额 ', CAST(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) AS CHAR), ' 元'
+                '”，交易金额 ', CAST(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) AS CHAR),
+                ' 元，达到敏感交易最低金额 200 元'
            ) AS reasonDetail
        from ccdi_bank_statement bs
        where bs.project_id = #{projectId}
          and <include refid="externalPersonPredicateSql"/>
-          and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 0
+          and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) >= 200
          and (
              IFNULL(bs.USER_MEMO, '') REGEXP '游戏|抖币|体彩|福彩|彩票|赌博|赌球|下注|投注|球赛投注|外围|博彩|六合|时时彩|赛车|赌场|筹码|盘口|返水|洗码|庄家|闲家|百家乐|斗牛|炸金花|牌九|麻将|牌局|捕鱼|电子游艺|VIP666|USDT下注'
              or IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') REGEXP '游戏|抖币|体彩|福彩|彩票|赌博|赌球|下注|投注|球赛投注|外围|博彩|六合|时时彩|赛车|赌场|筹码|盘口|返水|洗码|庄家|闲家|百家乐|斗牛|炸金花|牌九|麻将|牌局|捕鱼|电子游艺|VIP666|USDT下注'
@@ -1152,7 +1178,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
            CONCAT(
                '物业缴费金额 ', CAST(trade.amountDr AS CHAR),
                ' 元，对手方“', IFNULL(trade.customerAccountName, ''),
-                '”，证件号 ', trade.personId, ' 名下无房产登记'
+                '”，证件号 ', trade.personId, ' 名下无匹配房产登记'
            ) AS reasonDetail
        from (
            select
@@ -1161,14 +1187,15 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
                bs.group_id AS groupId,
                bs.batch_id AS logId,
                IFNULL(bs.AMOUNT_DR, 0) AS amountDr,
-                bs.CUSTOMER_ACCOUNT_NAME AS customerAccountName
+                bs.CUSTOMER_ACCOUNT_NAME AS customerAccountName,
+                bs.USER_MEMO AS userMemo
            from ccdi_bank_statement bs
            inner join ccdi_base_staff staff on staff.id_card = bs.cret_no
            where bs.project_id = #{projectId}
              and IFNULL(bs.AMOUNT_DR, 0) > 0
              and (
-                  IFNULL(bs.USER_MEMO, '') REGEXP '物业|物业费|管理费|物业服务|综合服务'
-                  or IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') REGEXP '物业|小区|花园|苑|中心|大厦|业委会|业主委员会|置业|房地产|服务中心|管理处|社区'
+                  IFNULL(bs.USER_MEMO, '') REGEXP '物业|物管|业委会|业主委员会|维修基金|住宅专项维修资金|房屋维修资金'
+                  or IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') REGEXP '物业|物管|业委会|业主委员会|维修基金|住宅专项维修资金|房屋维修资金'
              )

            union all
@@ -1179,26 +1206,39 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
                bs.group_id AS groupId,
                bs.batch_id AS logId,
                IFNULL(bs.AMOUNT_DR, 0) AS amountDr,
-                bs.CUSTOMER_ACCOUNT_NAME AS customerAccountName
+                bs.CUSTOMER_ACCOUNT_NAME AS customerAccountName,
+                bs.USER_MEMO AS userMemo
            from ccdi_bank_statement bs
            inner join ccdi_staff_fmy_relation relation on relation.relation_cert_no = bs.cret_no
            where bs.project_id = #{projectId}
              and relation.status = 1
              and IFNULL(bs.AMOUNT_DR, 0) > 0
              and (
-                  IFNULL(bs.USER_MEMO, '') REGEXP '物业|物业费|管理费|物业服务|综合服务'
-                  or IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') REGEXP '物业|小区|花园|苑|中心|大厦|业委会|业主委员会|置业|房地产|服务中心|管理处|社区'
+                  IFNULL(bs.USER_MEMO, '') REGEXP '物业|物管|业委会|业主委员会|维修基金|住宅专项维修资金|房屋维修资金'
+                  or IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') REGEXP '物业|物管|业委会|业主委员会|维修基金|住宅专项维修资金|房屋维修资金'
              )
        ) trade
        left join (
            select distinct
-                asset.person_id AS personId
+                asset.person_id AS personId,
+                asset.asset_name AS assetName
            from ccdi_asset_info asset
            where asset.asset_main_type = '房产'
              and asset.asset_sub_type = '住宅'
              and asset.asset_status = '正常'
+              and trim(IFNULL(asset.asset_name, '')) != ''
        ) asset
            on asset.personId = trade.personId
+           and (
+               (
+                   trim(IFNULL(trade.customerAccountName, '')) != ''
+                   and IFNULL(trade.customerAccountName, '') LIKE concat('%', asset.assetName, '%')
+               )
+               or (
+                   trim(IFNULL(trade.userMemo, '')) != ''
+                   and IFNULL(trade.userMemo, '') LIKE concat('%', asset.assetName, '%')
+               )
+           )
        where asset.personId is null
    </select>

--- a/ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiBankTagAnalysisMapperXmlTest.java
+++ b/ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiBankTagAnalysisMapperXmlTest.java
@@ -152,6 +152,49 @@ class CcdiBankTagAnalysisMapperXmlTest {
        assertTrue(!selectSql.contains("social_credit_code = bs"));
    }

+    @Test
+    void gamblingSensitiveKeywordRules_shouldIgnoreSmallAmountTransactions() throws Exception {
+        String xml = readXml(RESOURCE);
+        String staffSelectSql = extractSelectSql(xml, "selectGamblingSensitiveKeywordStatements");
+        String externalSelectSql = extractSelectSql(xml, "selectExternalGamblingMemoStatements");
+
+        assertTrue(staffSelectSql.contains("IFNULL(bs.AMOUNT_DR, 0) >= 200"));
+        assertTrue(staffSelectSql.contains("达到敏感交易最低金额 200 元"));
+        assertTrue(externalSelectSql.contains(
+            "GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) >= 200"
+        ));
+        assertTrue(externalSelectSql.contains("达到敏感交易最低金额 200 元"));
+    }
+
+    @Test
+    void annualTurnoverRules_shouldUseProjectStatementDateAsOneYearAnchor() throws Exception {
+        String xml = readXml(RESOURCE);
+        String staffSelectSql = extractSelectSql(xml, "selectAnnualTurnoverObjects");
+        String externalSelectSql = extractSelectSql(xml, "selectExternalAnnualTurnoverObjects");
+
+        assertTrue(staffSelectSql.contains("project_anchor.anchorDate"));
+        assertTrue(staffSelectSql.contains("DATE_SUB(project_anchor.anchorDate, INTERVAL 12 MONTH)"));
+        assertFalse(staffSelectSql.contains("CURDATE()"));
+        assertTrue(externalSelectSql.contains("project_anchor.anchorDate"));
+        assertTrue(externalSelectSql.contains("DATE_SUB(project_anchor.anchorDate, INTERVAL 12 MONTH)"));
+        assertFalse(externalSelectSql.contains("CURDATE()"));
+    }
+
+    @Test
+    void propertyFeeMismatchRule_shouldUseReasonablePropertyKeywordsAndAssetNameMatching() throws Exception {
+        String xml = readXml(RESOURCE);
+        String selectSql = extractSelectSql(xml, "selectPropertyFeeRegistrationMismatchStatements");
+
+        assertTrue(selectSql.contains("物业|物管|业委会|业主委员会|维修基金|住宅专项维修资金|房屋维修资金"));
+        assertFalse(selectSql.contains("中心"));
+        assertFalse(selectSql.contains("社区"));
+        assertFalse(selectSql.contains("大厦"));
+        assertTrue(selectSql.contains("asset.asset_name AS assetName"));
+        assertTrue(selectSql.contains("trade.customerAccountName"));
+        assertTrue(selectSql.contains("trade.userMemo"));
+        assertTrue(selectSql.contains("名下无匹配房产登记"));
+    }
+
    @Test
    void withdrawCntObjectRule_shouldUseRealSqlAndKeepObjectHitFields() throws Exception {
        String xml = readXml(RESOURCE);
--- a/docs/reports/implementation/2026-07-13-bank-tag-rule-caliber-adjustment-backend.md
+++ b/docs/reports/implementation/2026-07-13-bank-tag-rule-caliber-adjustment-backend.md
@@ -0,0 +1,39 @@
+# 流水打标规则口径调整后端实施记录
+
+## 修改背景
+
+对现有流水打标规则进行审查后，确认需要优先处理两个后端口径问题：
+
+1. 年流水交易额使用系统当前日期 `CURDATE()` 作为近一年锚点，历史流水项目重复跑模型时结果会随运行日期漂移。
+2. 物业缴费与房产登记不匹配规则仅判断是否存在任意房产登记，且关键词口径要兼顾召回和误报控制。
+
+外部人员夜间交易属于早期残留规则，不属于当前最终外部人员四类口径，本次不调整。
+
+## 修改内容
+
+1. 年流水交易额口径
+   - `ANNUAL_TURNOVER` 改为以当前项目内最大交易日期作为近一年锚点。
+   - `EXTERNAL_ANNUAL_TURNOVER` 同步改为以当前项目内最大交易日期作为近一年锚点。
+   - 不再依赖系统当前日期 `CURDATE()`。
+
+2. 物业缴费与房产登记不匹配口径
+   - 物业候选关键词收敛为 `物业、物管、业委会、业主委员会、维修基金、住宅专项维修资金、房屋维修资金`。
+   - 去掉 `中心、社区、大厦` 等泛词，降低普通转账或机构名称误命中的概率。
+   - 使用 `ccdi_asset_info.asset_name` 与流水对手方名称、摘要做名称匹配。
+   - 若已登记正常住宅资产名称能匹配流水对手方或摘要，则不再判定为“物业缴费与房产登记不匹配”。
+   - 命中原因由“名下无房产登记”调整为“名下无匹配房产登记”。
+
+## 影响范围
+
+- 影响员工年流水交易额超限规则。
+- 影响外部人员年流水交易额超限规则。
+- 影响物业缴费与房产登记不匹配规则。
+- 不新增模型参数，不改数据库结构，不改数据库脚本。
+- 不调整外部人员夜间交易残留规则。
+
+## 验证情况
+
+- 已补充 Mapper XML 单测断言，覆盖近一年锚点和物业资产名称匹配。
+- `mvn -pl ccdi-project -DskipTests compile` 执行通过。
+- 已执行 Mapper 静态校验，确认年流水规则不再包含 `CURDATE()`，物业规则使用收敛关键词并保留资产名称匹配，外部夜间交易规则未被调整。
+- 尝试执行 `mvn -pl ccdi-project "-Dtest=CcdiBankTagAnalysisMapperXmlTest" test`，但在 `testCompile` 阶段被既有无关测试编译错误阻断：`CcdiFileUploadServiceImplTest` 仍使用旧版 `LsfxAnalysisClient.uploadFile` 参数签名，`CcdiBankStatementTest` 仍调用当前 `BankStatementItem` 不存在的旧 setter。
--- a/docs/reports/implementation/2026-07-13-gambling-sensitive-keyword-min-amount-backend.md
+++ b/docs/reports/implementation/2026-07-13-gambling-sensitive-keyword-min-amount-backend.md
@@ -0,0 +1,35 @@
+# 疑似敏感交易最低金额门槛后端实施记录
+
+## 修改背景
+
+疑似敏感交易原先只要支出流水摘要或对手方命中赌博、游戏、彩票等敏感关键词，且支出金额大于 0 即会命中，导致 20 元、50 元等小额支出也进入疑似敏感交易明细。
+
+参考本地知识库中 LSFX 的个人敏感支出口径，敏感类规则通常会结合金额条件控制误报。本次按业务确认，不新增模型参数，不改数据库脚本，直接在后端规则查询中固定最低金额门槛。
+
+## 修改内容
+
+1. 员工疑似敏感交易 `GAMBLING_SENSITIVE_KEYWORD`
+   - 命中条件由 `AMOUNT_DR > 0` 调整为 `AMOUNT_DR >= 200`。
+   - 命中原因追加“达到敏感交易最低金额 200 元”。
+
+2. 外部人员疑似赌博摘要 `EXTERNAL_GAMBLING_MEMO`
+   - 命中条件由交易金额大于 0 调整为交易金额 `>= 200`。
+   - 交易金额仍按收入、支出两侧最大值判断。
+   - 命中原因追加“达到敏感交易最低金额 200 元”。
+
+3. 后端单测
+   - 增加 Mapper XML 断言，确保两类敏感关键词规则都保留 200 元最低金额门槛。
+
+## 影响范围
+
+- 影响员工疑似赌博模型下的“疑似敏感交易”流水命中。
+- 影响外部人员可疑赌博模型下的“外部人员疑似赌博摘要”流水命中。
+- 不新增模型参数，不改 `ccdi_model_param`，不需要执行数据库脚本。
+- 低于 200 元的敏感词流水不再命中上述两类规则。
+
+## 验证情况
+
+- 已补充后端 Mapper XML 单测断言。
+- `mvn -pl ccdi-project -DskipTests compile` 执行通过。
+- 已执行 Mapper 静态校验，确认员工疑似敏感交易和外部人员疑似赌博摘要均包含 `>= 200` 最低金额条件。
+- 尝试执行 `mvn -pl ccdi-project "-Dtest=CcdiBankTagAnalysisMapperXmlTest,BankTagRuleConfigResolverTest,CcdiBankTagServiceImplTest" test`，但在 `testCompile` 阶段被既有无关测试编译错误阻断：`CcdiFileUploadServiceImplTest` 仍使用旧版 `LsfxAnalysisClient.uploadFile` 参数签名，`CcdiBankStatementTest` 仍调用当前 `BankStatementItem` 不存在的旧 setter。