ccdi/docs/reports/implementation/2026-03-24-special-check-family-asset-liability-backend-record.md

2026-03-24 专项核查页员工家庭资产负债专项核查后端实施记录

本次新增文件

• 控制器
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/controller/CcdiProjectSpecialCheckController.java
• 服务
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/service/ICcdiProjectSpecialCheckService.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/service/impl/CcdiProjectSpecialCheckServiceImpl.java
• Mapper
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/mapper/CcdiProjectSpecialCheckMapper.java
  • ccdi-project/src/main/resources/mapper/ccdi/project/CcdiProjectSpecialCheckMapper.xml
• DTO
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/dto/CcdiProjectFamilyAssetLiabilityListQueryDTO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/dto/CcdiProjectFamilyAssetLiabilityDetailQueryDTO.java
• VO
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyAssetLiabilityListItemVO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyAssetLiabilityListVO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyIncomeDetailVO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyAssetItemVO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyAssetDetailVO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyDebtItemVO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyDebtDetailVO.java
  • ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectFamilyAssetLiabilityDetailVO.java
• 测试
  • ccdi-project/src/test/java/com/ruoyi/ccdi/project/controller/CcdiProjectSpecialCheckControllerContractTest.java
  • ccdi-project/src/test/java/com/ruoyi/ccdi/project/controller/CcdiProjectSpecialCheckControllerTest.java
  • ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiProjectSpecialCheckMapperListSqlTest.java
  • ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiProjectSpecialCheckMapperDetailSqlTest.java
  • ccdi-project/src/test/java/com/ruoyi/ccdi/project/service/impl/CcdiProjectSpecialCheckServiceImplTest.java

接口与查询口径

查询范围

• 员工集合沿用项目内已入库流水命中且能匹配员工主数据的口径
• 员工范围由 ccdi_bank_statement_tag_result 结合 ccdi_base_staff、ccdi_bank_statement、ccdi_staff_fmy_relation 反查得到
• 仅对匹配成功的员工输出专项核查结果

收入口径

• 本人收入取自 ccdi_base_staff.annual_income
• 配偶收入取自 ccdi_staff_fmy_relation 中 relation_type = '配偶' 的 annual_income
• 家庭总年收入 = 本人收入 + 配偶收入，空值按 0 处理

资产口径

• 资产来源表为 ccdi_asset_info
• 以员工身份证号为 family_id
• 持有人范围仅统计员工本人身份证号与配偶身份证号
• 家庭总资产按 current_value 汇总

负债口径

• 负债来源表为 ccdi_debts_info
• 归属人范围仅统计员工本人身份证号与配偶身份证号
• 家庭总负债按 principal_balance 汇总

风险等级口径

• comparisonAmount = totalIncome + totalDebt
• comparisonAmount <= totalAsset * 1.5 判定为 NORMAL / 正常
• comparisonAmount > totalAsset * 1.5 and <= totalAsset * 3 判定为 RISK / 存在风险
• comparisonAmount > totalAsset * 3 判定为 HIGH / 高风险

详情返回结构

• incomeDetail 返回本人收入、配偶收入、家庭总收入
• assetDetail 返回本人资产小计、配偶资产小计、家庭总资产、资产明细列表
• debtDetail 返回本人负债小计、配偶负债小计、家庭总负债、负债明细列表
• summary 返回与列表同口径的汇总金额与风险等级

范围说明

• 本次实现仅覆盖员工本人及配偶
• 未扩展父母、子女、兄弟姐妹等其他家庭成员收入、资产、负债口径
• 未复用结果总览员工结果表，也未改动流水打标链路

增量调整

本人信息缺失口径

• 若员工本人名下不存在资产记录，则标记为“缺少资产信息”
• 若员工本人名下不存在负债记录，则标记为“缺少负债信息”
• 列表与详情 summary 统一处理为：
  • 只要本人缺少资产信息或负债信息任一项
  • 风险等级直接输出 MISSING_INFO / 缺少信息
  • 不再进入正常、存在风险、高风险三档计算

详情结构补充

• assetDetail 新增 missingSelfAssetInfo
• debtDetail 新增 missingSelfDebtInfo
• 供前端在详情卡片中控制资产/负债小计显隐