aria-code 0.52.0__py3-none-any.whl

aria_code/agents/realty/__init__.py

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+"""
+agents/realty — 经营权共创平台 AI Agent 模块
+=============================================
+9 个领域专属 Agent，继承 BaseAgent，用于：
+  - 资产诊断与处置建议
+  - 业态匹配与经营方推荐
+  - 合同条款结构化生成
+  - 分账规则配置建议
+  - 流水核验与异常检测
+  - 能耗异常分析
+  - 合同履约风控
+  - 运营优化建议
+  - 退出清算方案生成
+
+用法:
+    from agents.realty import AssetDiagnosisAgent, RevenueShareAgent
+    from agents.realty import REALTY_TEAM  # 默认 team 名称列表
+"""
+
+from .asset_diagnosis  import AssetDiagnosisAgent
+from .business_match   import BusinessMatchAgent
+from .contract_rules   import ContractRulesAgent
+from .revenue_share    import RevenueShareAgent
+from .cashflow_verify  import CashFlowVerifyAgent
+from .energy_anomaly   import EnergyAnomalyAgent
+from .fulfillment_risk import FulfillmentRiskAgent
+from .ops_optimize     import OpsOptimizeAgent
+from .exit_settlement  import ExitSettlementAgent
+
+# 默认完整 team
+REALTY_TEAM = [
+    "asset_diagnosis",
+    "business_match",
+    "contract_rules",
+    "revenue_share",
+    "cashflow_verify",
+    "energy_anomaly",
+    "fulfillment_risk",
+    "ops_optimize",
+    "exit_settlement",
+]
+
+# 风控专项 team（快速预警）
+RISK_TEAM = [
+    "cashflow_verify",
+    "energy_anomaly",
+    "fulfillment_risk",
+]
+
+__all__ = [
+    "AssetDiagnosisAgent",
+    "BusinessMatchAgent",
+    "ContractRulesAgent",
+    "RevenueShareAgent",
+    "CashFlowVerifyAgent",
+    "EnergyAnomalyAgent",
+    "FulfillmentRiskAgent",
+    "OpsOptimizeAgent",
+    "ExitSettlementAgent",
+    "REALTY_TEAM",
+    "RISK_TEAM",
+]

aria_code/agents/realty/asset_diagnosis.py

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+"""
+agents/realty/asset_diagnosis.py — 资产诊断 Agent
+==================================================
+判断资产适合出租、出售还是经营权共创。
+
+输入数据（data dict keys）:
+    asset_info       — 资产基础信息 dict（面积、位置、产权状态、空置时间等）
+    market_context   — 周边业态、租金行情（可选）
+    renovation_cost  — 估算改造成本（可选）
+
+输出:
+    analysis    — 详细分析文本
+    signal      — GOOD=推荐共创 / WATCH=需观察 / CONCERN=建议出租或出售
+                  （地产健康度尺度，见 agents/signal_scheme.py::REALTY_SCHEME，
+                  不是股票 BUY/SELL 那套交易动作词汇）
+    key_points  — 3-5 条关键结论
+"""
+from __future__ import annotations
+
+from typing import Any, Dict
+from ..base import BaseAgent, AgentResult
+
+
+class AssetDiagnosisAgent(BaseAgent):
+    name        = "asset_diagnosis"
+    description = "资产诊断：判断处置方式（出租/出售/共创）并给出保底与分润结构建议"
+
+    _SYSTEM = (
+        "你是一名专业的不动产资产运营顾问，擅长评估商业空间的经营潜力。\n"
+        "你的任务是根据资产条件、空置状况、市场行情，判断该资产最适合哪种处置方式：\n"
+        "  A) 传统出租（固定租金）\n"
+        "  B) 经营权共创（保底+流水分润）\n"
+        "  C) 出售（一次性变现）\n\n"
+        "输出格式要求：\n"
+        "1. 推荐方式及理由（2-3句话）\n"
+        "2. 如推荐共创，给出：保底收益建议（元/月）、分润比例建议（%）、适合业态Top3\n"
+        "3. 主要风险提示（1-2条）\n"
+        "4. 综合评分：[适合共创] / [建议观察] / [不建议共创]"
+    )
+
+    async def analyze(self, symbol: str, data: Dict[str, Any]) -> AgentResult:
+        asset   = data.get("asset_info", {})
+        market  = data.get("market_context", {})
+        reno    = data.get("renovation_cost", 0)
+
+        # 构建资产摘要
+        area        = asset.get("area", 0)
+        location    = asset.get("location", "未知位置")
+        vacancy_days= asset.get("vacancy_days", 0)
+        expected_rent = asset.get("expected_rent", 0)
+        floor_height  = asset.get("floor_height", 0)
+        business_types = asset.get("allowed_business", [])
+        prohibited    = asset.get("prohibited_business", [])
+        property_state= asset.get("property_state", "正常")
+
+        user_prompt = (
+            f"资产信息：\n"
+            f"  位置: {location}\n"
+            f"  面积: {area} m²  层高: {floor_height}m\n"
+            f"  产权状态: {property_state}  空置天数: {vacancy_days}天\n"
+            f"  评估租金: {expected_rent}元/月  改造成本估算: {reno}元\n"
+            f"  适合业态: {', '.join(business_types) or '未指定'}\n"
+            f"  禁止业态: {', '.join(prohibited) or '无'}\n"
+            f"  市场背景: {market.get('summary', '暂无周边数据')}\n\n"
+            "请根据以上信息完成资产诊断。"
+        )
+
+        analysis = await self._call_llm(self._SYSTEM, user_prompt, max_tokens=600)
+        if not analysis:
+            analysis = _template_diagnosis(asset, reno)
+
+        signal      = _score_to_signal(asset, reno)
+        confidence  = _calc_confidence(asset)
+        key_points  = _extract_key_points(asset, reno, market)
+
+        return AgentResult(
+            agent      = self.name,
+            symbol     = symbol,
+            analysis   = analysis,
+            confidence = confidence,
+            signal     = signal,
+            key_points = key_points,
+            data_used  = {"asset_info": asset, "renovation_cost": reno},
+        )
+
+
+# ── 内部辅助函数 ──────────────────────────────────────────────────────────────
+
+def _score_to_signal(asset: Dict, reno: float) -> str:
+    """根据资产条件估算共创适合度"""
+    area         = asset.get("area", 0)
+    vacancy_days = asset.get("vacancy_days", 0)
+    rent         = asset.get("expected_rent", 0)
+    allowed      = asset.get("allowed_business", [])
+    state        = asset.get("property_state", "正常")
+
+    score = 0
+    if area >= 50:      score += 1
+    if area >= 200:     score += 1
+    if vacancy_days >= 90:  score += 1   # 空置越久越需要共创
+    if rent > 0:        score += 1
+    if len(allowed) >= 2: score += 1
+    if state != "正常":   score -= 2
+    if reno > rent * 24:  score -= 1     # 改造成本超过2年租金则不划算
+
+    if score >= 4:  return "GOOD"      # 非常适合共创
+    if score >= 2:  return "WATCH"     # 需进一步评估
+    return "CONCERN"                    # 建议传统出租或出售
+
+
+def _calc_confidence(asset: Dict) -> float:
+    """数据越完整，置信度越高"""
+    fields = ["area", "location", "expected_rent", "allowed_business", "property_state"]
+    filled = sum(1 for f in fields if asset.get(f))
+    return round(0.5 + 0.1 * filled, 2)
+
+
+def _extract_key_points(asset: Dict, reno: float, market: Dict) -> list:
+    points = []
+    area = asset.get("area", 0)
+    vacancy = asset.get("vacancy_days", 0)
+    rent = asset.get("expected_rent", 0)
+    allowed = asset.get("allowed_business", [])
+
+    if area >= 200:
+        points.append(f"面积 {area}m² 具备多业态组合潜力")
+    if vacancy >= 90:
+        points.append(f"已空置 {vacancy} 天，引入经营方具有紧迫性")
+    if rent > 0:
+        points.append(f"评估租金 {rent:,.0f} 元/月，保底基准参考值")
+    if allowed:
+        points.append(f"适合业态：{', '.join(allowed[:3])}")
+    if reno > 0:
+        points.append(f"改造成本约 {reno:,.0f} 元，需纳入分润谈判")
+    return points[:5]
+
+
+def _template_diagnosis(asset: Dict, reno: float) -> str:
+    area    = asset.get("area", 0)
+    vacancy = asset.get("vacancy_days", 0)
+    rent    = asset.get("expected_rent", 0)
+    allowed = asset.get("allowed_business", [])
+
+    suitability = "建议经营权共创" if area >= 100 and vacancy >= 30 else "建议先评估市场需求"
+    return (
+        f"资产诊断（模板）：\n"
+        f"  面积: {area}m²  空置: {vacancy}天  评估租金: {rent:,.0f}元/月\n"
+        f"  适合业态: {', '.join(allowed[:3]) or '待评估'}\n"
+        f"  改造成本估算: {reno:,.0f}元\n"
+        f"  诊断结论: {suitability}\n"
+        f"  建议保底: {int(rent * 0.7):,}元/月  建议分润比例: 8-12%"
+    )

aria_code/agents/realty/business_match.py

@@ -0,0 +1,166 @@
+"""
+agents/realty/business_match.py — 业态匹配 Agent
+=================================================
+匹配资产条件与经营方能力，给出业态组合建议。
+
+输入数据（data dict keys）:
+    asset_info      — 资产基础信息（面积、位置、层高、客流等）
+    operators       — 候选经营方列表（可选）
+    market_context  — 周边业态、人口、消费力数据（可选）
+
+输出:
+    analysis    — 业态匹配建议
+    signal      — GOOD=高度匹配 / WATCH=一般匹配 / CONCERN=低匹配
+                  （地产健康度尺度，见 signal_scheme.py）
+    key_points  — 推荐业态 Top3 + 理由
+"""
+from __future__ import annotations
+
+from typing import Any, Dict, List
+from ..base import BaseAgent, AgentResult
+
+
+class BusinessMatchAgent(BaseAgent):
+    name        = "business_match"
+    description = "业态匹配：根据空间条件和市场数据推荐适合的经营业态组合"
+
+    _SYSTEM = (
+        "你是一名商业空间招商运营专家，擅长根据空间条件匹配最优业态。\n"
+        "分析维度：\n"
+        "  1. 空间适配度（面积、层高、水电、消防条件）\n"
+        "  2. 市场需求（周边客群、竞争格局、消费力）\n"
+        "  3. 经营方能力（品牌力、资金实力、运营经验）\n"
+        "  4. 收益预期（流水规模、分润可行性）\n\n"
+        "输出格式：\n"
+        "1. 推荐业态 Top3（每个包含：业态名称、预期月流水范围、分润比例建议、空间需求匹配度）\n"
+        "2. 经营方匹配建议（如有候选方）\n"
+        "3. 不建议的业态及原因\n"
+        "4. 综合匹配评级：[高度匹配] / [一般匹配] / [谨慎入场]"
+    )
+
+    async def analyze(self, symbol: str, data: Dict[str, Any]) -> AgentResult:
+        asset     = data.get("asset_info", {})
+        operators = data.get("operators", [])
+        market    = data.get("market_context", {})
+
+        area        = asset.get("area", 0)
+        location    = asset.get("location", "")
+        floor_ht    = asset.get("floor_height", 0)
+        power_cap   = asset.get("power_capacity", "未知")
+        allowed     = asset.get("allowed_business", [])
+        prohibited  = asset.get("prohibited_business", [])
+        foot_traffic= asset.get("foot_traffic", "未知")
+        can_fire    = asset.get("open_fire_allowed", False)
+        can_renovate= asset.get("renovation_allowed", True)
+
+        op_summary = ""
+        if operators:
+            op_lines = []
+            for op in operators[:3]:
+                op_lines.append(
+                    f"  - {op.get('name','未知')}: 行业={op.get('industry','未知')}, "
+                    f"预算={op.get('budget',0):,}元, 品牌={op.get('brand_level','未知')}"
+                )
+            op_summary = "候选经营方：\n" + "\n".join(op_lines)
+
+        user_prompt = (
+            f"资产条件：\n"
+            f"  位置: {location}  面积: {area}m²  层高: {floor_ht}m\n"
+            f"  电容量: {power_cap}  明火许可: {'是' if can_fire else '否'}\n"
+            f"  可改造: {'是' if can_renovate else '否'}  客流量: {foot_traffic}\n"
+            f"  允许业态: {', '.join(allowed) or '无限制'}\n"
+            f"  禁止业态: {', '.join(prohibited) or '无'}\n"
+            f"  市场背景: {market.get('summary','暂无')}\n"
+            f"{op_summary}\n\n"
+            "请给出业态匹配分析。"
+        )
+
+        analysis = await self._call_llm(self._SYSTEM, user_prompt, max_tokens=700)
+        if not analysis:
+            analysis = _template_match(asset, operators)
+
+        signal     = _match_signal(asset, market)
+        confidence = _match_confidence(asset, market)
+        key_points = _match_key_points(asset, operators, market)
+
+        return AgentResult(
+            agent      = self.name,
+            symbol     = symbol,
+            analysis   = analysis,
+            confidence = confidence,
+            signal     = signal,
+            key_points = key_points,
+            data_used  = {"asset_info": asset, "operators_count": len(operators)},
+        )
+
+
+# ── 辅助函数 ──────────────────────────────────────────────────────────────────
+
+def _match_signal(asset: Dict, market: Dict) -> str:
+    score = 0
+    area  = asset.get("area", 0)
+    allowed = asset.get("allowed_business", [])
+    foot_traffic = str(asset.get("foot_traffic", "")).lower()
+    ft_score = asset.get("foot_traffic_score", 0)   # numeric 0-10
+
+    # market_score: direct int, or derive from market_maturity string
+    market_score = market.get("score", 0)
+    if not market_score:
+        maturity = str(market.get("market_maturity", "")).lower()
+        market_score = {"high": 8, "medium": 5, "low": 2, "成熟": 8, "一般": 5, "新兴": 4}.get(maturity, 0)
+
+    if area >= 100:   score += 1
+    if area >= 300:   score += 1
+    if len(allowed) >= 3: score += 1
+    if "高" in foot_traffic or "large" in foot_traffic or ft_score >= 7: score += 1
+    if market_score >= 7:  score += 1
+    elif 0 < market_score <= 3: score -= 1
+
+    if score >= 4:  return "GOOD"
+    if score >= 2:  return "WATCH"
+    return "CONCERN"
+
+
+def _match_confidence(asset: Dict, market: Dict) -> float:
+    fields = ["area", "location", "foot_traffic", "allowed_business", "floor_height"]
+    filled = sum(1 for f in fields if asset.get(f))
+    market_bonus = 0.1 if market.get("summary") else 0
+    return round(min(0.9, 0.4 + 0.1 * filled + market_bonus), 2)
+
+
+def _match_key_points(asset: Dict, operators: List, market: Dict) -> List[str]:
+    points = []
+    area    = asset.get("area", 0)
+    allowed = asset.get("allowed_business", [])
+    can_fire= asset.get("open_fire_allowed", False)
+
+    if allowed:
+        points.append(f"允许业态：{', '.join(allowed[:3])} 等 {len(allowed)} 类")
+    if area:
+        points.append(f"面积 {area}m²，适合{'大型品牌' if area >= 300 else '中小型经营方'}")
+    if not can_fire:
+        points.append("不允许明火，餐饮业态受限（建议西餐/轻食/烘焙）")
+    if operators:
+        points.append(f"共 {len(operators)} 个候选经营方，需进一步资质评估")
+    if market.get("competitors"):
+        points.append(f"周边竞争: {market['competitors']}")
+    return points[:5]
+
+
+def _template_match(asset: Dict, operators: List) -> str:
+    area    = asset.get("area", 0)
+    allowed = asset.get("allowed_business", [])
+    can_fire= asset.get("open_fire_allowed", False)
+
+    top3 = allowed[:3] if allowed else ["零售", "轻餐饮", "生活服务"]
+    if not can_fire and "餐饮" in top3:
+        top3 = [b for b in top3 if "餐饮" not in b] + ["轻食/咖啡"]
+
+    return (
+        f"业态匹配分析（模板）：\n"
+        f"  面积: {area}m²  适合业态: {', '.join(allowed[:5]) or '无限制'}\n"
+        f"  推荐 Top3:\n"
+        + "\n".join(f"    {i+1}. {b}（预期流水 {(area*200*(i+1)):,.0f}-{area*400*(i+1):,.0f}元/月）"
+                    for i, b in enumerate(top3[:3]))
+        + f"\n  候选经营方数: {len(operators)}"
+    )

aria_code/agents/realty/cashflow_verify.py

@@ -0,0 +1,209 @@
+"""
+agents/realty/cashflow_verify.py — 流水核验 Agent
+=================================================
+判断经营方申报流水是否真实，识别私账/逃费/低报行为。
+
+输入数据（data dict keys）:
+    pos_transactions    — POS/扫码流水列表（可选）
+    bank_statements     — 银行流水（可选）
+    delivery_revenue    — 外卖/团购收入（可选）
+    inventory_data      — 库存进货数据（可选）
+    energy_data         — 水电用量（可选）
+    declared_revenue    — 经营方自报流水
+    expected_revenue    — 系统预估流水（基于历史/业态/客流）
+
+输出:
+    analysis    — 核验报告
+    signal      — GOOD=流水真实 / WATCH=轻度异常需复核 / CONCERN=疑似造假/私账
+                  / SEVERE=多项异常+差距极大（地产健康度尺度，见 signal_scheme.py）
+    key_points  — 异常项目清单
+"""
+from __future__ import annotations
+
+from typing import Any, Dict, List
+from ..base import BaseAgent, AgentResult
+
+
+class CashFlowVerifyAgent(BaseAgent):
+    name        = "cashflow_verify"
+    description = "流水核验：多源数据交叉比对，识别私账/逃费/低报流水行为"
+
+    _SYSTEM = (
+        "你是一名专业的财务审计和风控专家，擅长识别经营流水中的异常。\n"
+        "请对流水核验结果进行分析：\n"
+        "  1. 各数据源的一致性分析（POS/银行/外卖/库存/能耗）\n"
+        "  2. 申报流水与预估流水的差异分析\n"
+        "  3. 识别的异常模式（如：只用现金、收款码变更、能耗与流水不匹配）\n"
+        "  4. 风险等级判断：[正常] / [需复核] / [疑似私账] / [建议稽查]\n"
+        "  5. 具体建议：要求补充哪些凭证，或启动哪种核查程序"
+    )
+
+    async def analyze(self, symbol: str, data: Dict[str, Any]) -> AgentResult:
+        # 支持两种输入格式：
+        #   标量简化模式: pos_revenue=55000, bank_revenue=48000, cash_ratio=0.35
+        #   列表精细模式: pos_transactions=[{amount,payment_type,...}], bank_statements=[{amount,type,...}]
+        pos      = data.get("pos_transactions", [])
+        bank     = data.get("bank_statements", [])
+        delivery = data.get("delivery_revenue", 0)
+        inventory= data.get("inventory_data", {})
+        energy   = data.get("energy_data", {})
+        declared = data.get("declared_revenue", 0)
+        expected = data.get("expected_revenue", 0)
+
+        # 标量快捷键：如果没有列表数据但有聚合数字，转换为单条虚拟记录
+        if not pos and data.get("pos_revenue", 0):
+            pos_total_val = data["pos_revenue"]
+            cash_r = data.get("cash_ratio", 0.0)   # 0.0~1.0
+            if cash_r > 0:
+                pos = [
+                    {"amount": pos_total_val * (1 - cash_r), "payment_type": "digital"},
+                    {"amount": pos_total_val * cash_r,       "payment_type": "cash"},
+                ]
+            else:
+                pos = [{"amount": pos_total_val, "payment_type": "digital"}]
+        if not bank and data.get("bank_revenue", 0):
+            bank = [{"amount": data["bank_revenue"], "type": "IN"}]
+        if not delivery and data.get("wechat_revenue", 0):
+            delivery = data.get("wechat_revenue", 0) + data.get("alipay_revenue", 0)
+
+        # 交叉核验
+        check = _cross_verify(pos, bank, delivery, inventory, energy, declared, expected)
+
+        user_prompt = (
+            f"流水核验数据：\n"
+            f"  经营方申报流水: {declared:,.2f}元\n"
+            f"  系统预估流水: {expected:,.2f}元\n"
+            f"  差异率: {check['gap_pct']:.1f}%（{'偏低' if check['gap_pct'] < 0 else '偏高'}）\n\n"
+            f"数据源汇总：\n"
+            f"  POS/扫码流水: {check['pos_total']:,.2f}元（{len(pos)}笔）\n"
+            f"  银行流水: {check['bank_total']:,.2f}元\n"
+            f"  外卖/团购收入: {delivery:,.2f}元\n"
+            f"  能耗指数（用电）: {energy.get('electricity_kwh',0)} kWh\n"
+            f"  库存周转估算: {check['inventory_implied_revenue']:,.2f}元\n\n"
+            f"发现异常：\n"
+            + "\n".join(f"  - {a}" for a in check["anomalies"])
+            + "\n\n请完成流水核验报告。"
+        )
+
+        analysis = await self._call_llm(self._SYSTEM, user_prompt, max_tokens=700)
+        if not analysis:
+            analysis = _template_verify(check, declared, expected)
+
+        signal     = _verify_signal(check)
+        confidence = _verify_confidence(check)
+        key_points = _verify_key_points(check, declared, expected)
+
+        return AgentResult(
+            agent      = self.name,
+            symbol     = symbol,
+            analysis   = analysis,
+            confidence = confidence,
+            signal     = signal,
+            key_points = key_points,
+            data_used  = {"verify_result": check},
+        )
+
+
+# ── 核验逻辑 ──────────────────────────────────────────────────────────────────
+
+def _cross_verify(
+    pos: List[Dict], bank: List[Dict], delivery: float,
+    inventory: Dict, energy: Dict, declared: float, expected: float,
+) -> Dict:
+    pos_total = sum(t.get("amount", 0) for t in pos if not t.get("is_refund"))
+    bank_total = sum(t.get("amount", 0) for t in bank if t.get("type") in ("IN", "in", None))
+
+    # 库存推算流水（进货金额 * 毛利率倒推）
+    purchase_cost = inventory.get("purchase_cost", 0)
+    gross_margin  = inventory.get("expected_margin_pct", 40) / 100
+    inv_implied   = purchase_cost / (1 - gross_margin) if gross_margin < 1 else 0
+
+    # 综合核验流水（取最大可信来源）
+    verified_sources = [s for s in [pos_total, bank_total, delivery + pos_total] if s > 0]
+    verified_max = max(verified_sources) if verified_sources else declared
+
+    gap_pct = ((declared - expected) / expected * 100) if expected else 0
+    source_gap = ((declared - verified_max) / declared * 100) if declared else 0
+
+    anomalies = []
+
+    # 申报 vs 预期 差距
+    if gap_pct < -30:
+        anomalies.append(f"申报流水比预估低{abs(gap_pct):.1f}%，偏差较大")
+    if gap_pct < -50:
+        anomalies.append("申报流水不足预估50%，建议启动稽查")
+
+    # POS vs 银行 不一致
+    if pos_total > 0 and bank_total > 0:
+        consistency = abs(pos_total - bank_total) / max(pos_total, bank_total)
+        if consistency > 0.2:
+            anomalies.append(f"POS流水({pos_total:,.0f})与银行流水({bank_total:,.0f})差异{consistency*100:.1f}%")
+
+    # 申报 vs 核验源 差距
+    if declared > 0 and verified_max > 0 and source_gap > 25:
+        anomalies.append(f"申报流水比可核验来源高{source_gap:.1f}%，可能虚报")
+    elif declared < verified_max * 0.7:
+        anomalies.append(f"申报流水({declared:,.0f})低于可核验来源({verified_max:,.0f})，疑似漏报")
+
+    # 能耗异常（有水电无流水）
+    elec = energy.get("electricity_kwh", 0)
+    if elec > 0 and declared == 0:
+        anomalies.append("有水电消耗记录但申报流水为零，疑似有经营未申报")
+
+    # 库存推算差距
+    if inv_implied > 0 and declared < inv_implied * 0.6:
+        anomalies.append(f"库存进货推算流水{inv_implied:,.0f}元，申报仅{declared:,.0f}元，差距较大")
+
+    # 现金比例过高
+    cash_txns = [t for t in pos if t.get("payment_type") in ("cash", "现金")]
+    if pos and len(cash_txns) / len(pos) > 0.3:
+        anomalies.append(f"现金交易占比{len(cash_txns)/len(pos)*100:.1f}%偏高，难以核验")
+
+    return {
+        "pos_total":              pos_total,
+        "bank_total":             bank_total,
+        "delivery":               delivery,
+        "inventory_implied_revenue": inv_implied,
+        "verified_max":           verified_max,
+        "gap_pct":                gap_pct,
+        "source_gap_pct":         source_gap,
+        "anomalies":              anomalies,
+        "anomaly_count":          len(anomalies),
+    }
+
+
+def _verify_signal(check: Dict) -> str:
+    n = check.get("anomaly_count", 0)
+    gap = abs(check.get("gap_pct", 0))
+    if n == 0 and gap < 15: return "GOOD"
+    if n <= 1 and gap < 30: return "WATCH"
+    if n <= 2 and gap < 50: return "CONCERN"
+    return "SEVERE"
+
+
+def _verify_confidence(check: Dict) -> float:
+    sources = sum(1 for k in ["pos_total", "bank_total", "delivery"] if check.get(k, 0) > 0)
+    return round(min(0.9, 0.5 + 0.15 * sources), 2)
+
+
+def _verify_key_points(check: Dict, declared: float, expected: float) -> List[str]:
+    pts = [f"申报流水: {declared:,.2f}元  预估流水: {expected:,.2f}元  "
+           f"差异: {check['gap_pct']:+.1f}%"]
+    if check["pos_total"]:
+        pts.append(f"POS核验流水: {check['pos_total']:,.2f}元")
+    for a in check["anomalies"][:3]:
+        pts.append(f"异常: {a}")
+    return pts[:5]
+
+
+def _template_verify(check: Dict, declared: float, expected: float) -> str:
+    status = "正常" if check["anomaly_count"] == 0 else "发现异常"
+    return (
+        f"流水核验报告（模板）：\n"
+        f"  申报流水: {declared:,.2f}元  预估流水: {expected:,.2f}元  "
+        f"差异: {check['gap_pct']:+.1f}%\n"
+        f"  POS流水: {check['pos_total']:,.2f}元  银行流水: {check['bank_total']:,.2f}元\n"
+        f"  核验状态: {status}\n"
+        + ("  发现异常:\n" + "\n".join(f"    • {a}" for a in check["anomalies"])
+           if check["anomalies"] else "  无异常项目")
+    )