aria-code 4.1.3__py3-none-any.whl

agents/realty/fulfillment_risk.py

@@ -0,0 +1,205 @@
+"""
+agents/realty/fulfillment_risk.py — 履约风控 Agent
+===================================================
+监控合同履约和资金风险，生成风险等级和处置建议。
+
+输入数据（data dict keys）:
+    invoices        — 账单列表（应收/实收/逾期情况）
+    contract_rules  — 合同规则（保底/保证金/结算周期等）
+    cashflow_status — 最新流水核验状态
+    account_changes — 收款账户变更记录
+    compliance_flags— 合规预警标志（私自换码/改业态等）
+
+输出:
+    analysis    — 风险报告
+    signal      — BUY=低风险 / HOLD=中等风险 / SELL=高风险 / STRONG_SELL=极高风险
+    key_points  — 风险事项清单（按级别）
+"""
+from __future__ import annotations
+
+from typing import Any, Dict, List
+from ..base import BaseAgent, AgentResult
+
+
+class FulfillmentRiskAgent(BaseAgent):
+    name        = "fulfillment_risk"
+    description = "履约风控：监控逾期/保底/保证金/私账/业态合规，生成风险等级和处置建议"
+
+    _SYSTEM = (
+        "你是一名专业的不动产合同履约风险管理专家。\n"
+        "请对履约风险评估结果进行分析：\n"
+        "  1. 逾期风险：账单逾期天数、逾期金额、逾期频次\n"
+        "  2. 保底风险：实际流水是否持续低于保底标准\n"
+        "  3. 保证金风险：保证金余额是否充足（低于1个月保底需预警）\n"
+        "  4. 资金风险：是否存在私自更换收款码、现金比例过高\n"
+        "  5. 合规风险：是否擅自改变业态、违规装修、无照经营\n"
+        "  6. 综合风险等级：[低] / [中] / [高] / [极高]\n"
+        "  7. 处置建议：催缴/整改通知/保证金扣除/退出清算（分级建议）"
+    )
+
+    async def analyze(self, symbol: str, data: Dict[str, Any]) -> AgentResult:
+        invoices   = data.get("invoices", [])
+        rules      = data.get("contract_rules", {})
+        cf_status  = data.get("cashflow_status", {})
+        acct_chg   = data.get("account_changes", [])
+        flags      = data.get("compliance_flags", [])
+
+        risk = _assess_risk(invoices, rules, cf_status, acct_chg, flags)
+
+        user_prompt = (
+            f"履约风险评估：\n"
+            f"  逾期账单: {risk['overdue_count']}张  逾期金额: {risk['overdue_amount']:,.2f}元\n"
+            f"  最长逾期: {risk['max_overdue_days']}天\n"
+            f"  保底覆盖率: {risk['guaranteed_coverage_pct']:.1f}%（近3期平均）\n"
+            f"  保证金余额: {risk['deposit_balance']:,.2f}元  "
+            f"  要求: {risk['deposit_required']:,.2f}元\n"
+            f"  账户变更记录: {len(acct_chg)}次\n"
+            f"  合规标志: {', '.join(flags) or '无'}\n\n"
+            f"风险事项（{risk['risk_count']}项）：\n"
+            + "\n".join(f"  [{item['level']}] {item['desc']}" for item in risk["risk_items"])
+            + "\n\n请完成风险报告并给出处置建议。"
+        )
+
+        analysis = await self._call_llm(self._SYSTEM, user_prompt, max_tokens=700)
+        if not analysis:
+            analysis = _template_risk_report(risk, rules)
+
+        signal     = _risk_signal(risk)
+        confidence = _risk_confidence(risk, invoices)
+        key_points = _risk_key_points(risk)
+
+        return AgentResult(
+            agent      = self.name,
+            symbol     = symbol,
+            analysis   = analysis,
+            confidence = confidence,
+            signal     = signal,
+            key_points = key_points,
+            data_used  = {"risk_assessment": risk},
+        )
+
+
+# ── 风险评估逻辑 ──────────────────────────────────────────────────────────────
+
+def _assess_risk(
+    invoices: List[Dict], rules: Dict, cf: Dict,
+    acct_changes: List[Dict], flags: List[str],
+) -> Dict:
+    guaranteed  = rules.get("guaranteed_monthly", 0)
+    deposit_req = rules.get("deposit_amount", 0)
+    deposit_bal = rules.get("deposit_balance", deposit_req)  # 当前余额
+
+    risk_items: List[Dict] = []
+
+    # 1. 逾期账单分析
+    overdue = [inv for inv in invoices if inv.get("status") in ("overdue", "逾期")]
+    overdue_amount = sum(inv.get("amount", 0) - inv.get("paid", 0) for inv in overdue)
+    max_overdue_days = max((inv.get("overdue_days", 0) for inv in overdue), default=0)
+
+    if overdue_amount > 0:
+        level = "极高" if max_overdue_days > 60 else ("高" if max_overdue_days > 30 else "中")
+        risk_items.append({"level": level,
+                           "desc": f"共{len(overdue)}张账单逾期，金额{overdue_amount:,.2f}元，最长{max_overdue_days}天"})
+
+    # 2. 保底覆盖率（取近几期）
+    recent_revenues = [inv.get("revenue", 0) for inv in invoices[-3:] if inv.get("revenue")]
+    if recent_revenues and guaranteed > 0:
+        avg_coverage = sum(r / guaranteed * 100 for r in recent_revenues) / len(recent_revenues)
+        if avg_coverage < 60:
+            risk_items.append({"level": "高",
+                               "desc": f"近{len(recent_revenues)}期流水平均仅覆盖保底{avg_coverage:.1f}%"})
+        elif avg_coverage < 80:
+            risk_items.append({"level": "中",
+                               "desc": f"近期流水覆盖保底{avg_coverage:.1f}%，持续偏低"})
+    else:
+        avg_coverage = 100.0
+
+    # 3. 保证金不足
+    if deposit_req > 0 and deposit_bal < deposit_req * 0.5:
+        risk_items.append({"level": "高",
+                           "desc": f"保证金余额{deposit_bal:,.0f}元不足要求{deposit_req:,.0f}元的50%"})
+    elif deposit_req > 0 and deposit_bal < deposit_req:
+        risk_items.append({"level": "中",
+                           "desc": f"保证金余额{deposit_bal:,.0f}元低于合同要求{deposit_req:,.0f}元"})
+
+    # 4. 账户变更
+    if len(acct_changes) > 0:
+        unauth = [c for c in acct_changes if not c.get("approved")]
+        if unauth:
+            risk_items.append({"level": "极高",
+                               "desc": f"发现{len(unauth)}次未授权收款账户变更，疑似私账行为"})
+        else:
+            risk_items.append({"level": "低",
+                               "desc": f"共{len(acct_changes)}次账户变更，已审批"})
+
+    # 5. 流水核验异常
+    cf_signal = cf.get("signal", "")
+    if cf_signal in ("SELL", "STRONG_SELL"):
+        risk_items.append({"level": "高",
+                           "desc": f"流水核验异常（{cf.get('anomaly_summary','')}），需稽查"})
+
+    # 6. 合规标志
+    for flag in flags:
+        risk_items.append({"level": "高", "desc": f"合规违规: {flag}"})
+
+    return {
+        "overdue_count":           len(overdue),
+        "overdue_amount":          overdue_amount,
+        "max_overdue_days":        max_overdue_days,
+        "guaranteed_coverage_pct": avg_coverage,
+        "deposit_balance":         deposit_bal,
+        "deposit_required":        deposit_req,
+        "risk_items":              risk_items,
+        "risk_count":              len(risk_items),
+        "has_extreme_risk":        any(r["level"] == "极高" for r in risk_items),
+        "has_high_risk":           any(r["level"] == "高" for r in risk_items),
+    }
+
+
+def _risk_signal(risk: Dict) -> str:
+    if risk.get("has_extreme_risk"): return "STRONG_SELL"
+    if risk.get("has_high_risk"):    return "SELL"
+    mid_count = sum(1 for r in risk.get("risk_items", []) if r["level"] == "中")
+    if mid_count >= 2:               return "SELL"
+    if mid_count >= 1:               return "HOLD"
+    return "BUY"
+
+
+def _risk_confidence(risk: Dict, invoices: List) -> float:
+    data_points = sum([
+        1 if invoices else 0,
+        1 if risk.get("deposit_required", 0) > 0 else 0,
+        1 if risk.get("guaranteed_coverage_pct", 100) < 100 else 0,
+    ])
+    return round(0.6 + 0.1 * data_points, 2)
+
+
+def _risk_key_points(risk: Dict) -> List[str]:
+    pts = []
+    if risk["overdue_amount"] > 0:
+        pts.append(f"逾期金额: {risk['overdue_amount']:,.2f}元（最长{risk['max_overdue_days']}天）")
+    pts.append(f"保底覆盖率: {risk['guaranteed_coverage_pct']:.1f}%")
+    pts.append(f"保证金: {risk['deposit_balance']:,.2f}/{risk['deposit_required']:,.2f}元")
+    for item in [r for r in risk["risk_items"] if r["level"] in ("极高", "高")][:2]:
+        pts.append(f"[{item['level']}风险] {item['desc'][:50]}")
+    return pts[:5]
+
+
+def _template_risk_report(risk: Dict, rules: Dict) -> str:
+    level_map = {True: "极高", False: ""}
+    overall = "极高" if risk["has_extreme_risk"] else ("高" if risk["has_high_risk"] else
+              ("中" if risk["risk_count"] > 0 else "低"))
+    return (
+        f"履约风控报告（模板）：\n"
+        f"  综合风险等级: {overall}\n"
+        f"  逾期账单: {risk['overdue_count']}张  逾期金额: {risk['overdue_amount']:,.2f}元\n"
+        f"  最长逾期天数: {risk['max_overdue_days']}天\n"
+        f"  保底覆盖率: {risk['guaranteed_coverage_pct']:.1f}%\n"
+        f"  保证金: {risk['deposit_balance']:,.2f}/{risk['deposit_required']:,.2f}元\n"
+        f"  风险事项 ({risk['risk_count']}项):\n"
+        + "\n".join(f"    [{r['level']}] {r['desc']}" for r in risk["risk_items"])
+        + f"\n  处置建议: "
+        + ("立即启动退出清算程序" if overall == "极高" else
+           "发出整改通知，7日内未整改启动违约程序" if overall == "高" else
+           "发出催缴通知，持续监控" if overall == "中" else "保持正常监控")
+    )

agents/realty/ops_optimize.py

@@ -0,0 +1,159 @@
+"""
+agents/realty/ops_optimize.py — 运营提升 Agent
+===============================================
+分析坪效、客流、商品排行、活动效果，提出经营优化建议。
+
+输入数据（data dict keys）:
+    project_info    — 项目基本信息（面积/业态/开业时间）
+    performance_data — 经营绩效数据（坪效/客流/流水趋势/商品排行）
+    marketing_data  — 营销活动数据（会员/优惠券/外卖/团购）
+    peer_benchmarks — 同业基准数据（可选）
+
+输出:
+    analysis    — 运营优化建议
+    signal      — BUY=经营健康/高潜力 / HOLD=有改善空间 / SELL=经营不佳需干预
+    key_points  — Top3 优化建议
+"""
+from __future__ import annotations
+
+from typing import Any, Dict, List
+from ..base import BaseAgent, AgentResult
+
+
+class OpsOptimizeAgent(BaseAgent):
+    name        = "ops_optimize"
+    description = "运营提升：分析坪效/客流/营销效果，提出招商补位和经营优化建议"
+
+    _SYSTEM = (
+        "你是一名资深的商业空间运营顾问，专注于帮助经营方提升业绩。\n"
+        "请基于以下经营数据给出针对性的优化建议：\n"
+        "  1. 坪效分析（当前坪效 vs 行业基准，提升空间）\n"
+        "  2. 客流优化（高峰时段利用率、低谷期激活策略）\n"
+        "  3. 商品/品类优化（畅销/滞销商品，品类结构调整）\n"
+        "  4. 营销活动效果评估（会员召回、优惠券核销率、外卖占比）\n"
+        "  5. 营业时间优化建议\n"
+        "  6. 招商补位建议（空置面积是否可引入互补业态）\n"
+        "  7. 优先级最高的3项具体可执行建议（含预期效果）"
+    )
+
+    async def analyze(self, symbol: str, data: Dict[str, Any]) -> AgentResult:
+        project  = data.get("project_info", {})
+        perf     = data.get("performance_data", {})
+        marketing= data.get("marketing_data", {})
+        bench    = data.get("peer_benchmarks", {})
+
+        metrics = _calc_metrics(project, perf, marketing, bench)
+
+        user_prompt = (
+            f"项目信息：{project.get('name','未命名')} "
+            f"({project.get('area',0)}m²  {project.get('business_type','未知业态')})\n"
+            f"开业: {project.get('open_date','未知')}\n\n"
+            f"经营绩效：\n"
+            f"  月均流水: {perf.get('monthly_revenue',0):,.2f}元\n"
+            f"  坪效: {metrics['revenue_per_sqm']:.1f}元/m²/月  行业基准: {bench.get('revenue_per_sqm',300):.1f}\n"
+            f"  日均客流: {perf.get('daily_visits',0):.0f}人次  转化率: {metrics['conversion_rate']:.1%}\n"
+            f"  会员复购率: {marketing.get('member_repurchase_pct',0):.1f}%\n"
+            f"  外卖收入占比: {metrics['delivery_pct']:.1f}%\n"
+            f"  优惠券核销率: {marketing.get('coupon_redemption_pct',0):.1f}%\n\n"
+            f"Top10商品: {perf.get('top_products', [])[:5]}\n"
+            f"垫底商品: {perf.get('bottom_products', [])[:3]}\n\n"
+            "请给出运营优化建议。"
+        )
+
+        analysis = await self._call_llm(self._SYSTEM, user_prompt, max_tokens=700)
+        if not analysis:
+            analysis = _template_ops(metrics, perf, marketing, bench)
+
+        signal     = _ops_signal(metrics, bench)
+        confidence = _ops_confidence(perf, marketing)
+        key_points = _ops_key_points(metrics, perf, marketing, bench)
+
+        return AgentResult(
+            agent      = self.name,
+            symbol     = symbol,
+            analysis   = analysis,
+            confidence = confidence,
+            signal     = signal,
+            key_points = key_points,
+            data_used  = {"metrics": metrics},
+        )
+
+
+# ── 辅助逻辑 ──────────────────────────────────────────────────────────────────
+
+def _calc_metrics(project: Dict, perf: Dict, marketing: Dict, bench: Dict) -> Dict:
+    area     = project.get("area", 1)
+    revenue  = perf.get("monthly_revenue", 0)
+    visits   = perf.get("daily_visits", 0) * 30
+    orders   = perf.get("monthly_orders", 0)
+    delivery = marketing.get("delivery_revenue", 0)
+
+    return {
+        "revenue_per_sqm":  revenue / area if area else 0,
+        "conversion_rate":  orders / visits if visits else 0,
+        "delivery_pct":     delivery / revenue * 100 if revenue else 0,
+        "bench_psm":        bench.get("revenue_per_sqm", 300),
+        "psm_gap_pct":      (revenue / area - bench.get("revenue_per_sqm", 300))
+                            / bench.get("revenue_per_sqm", 300) * 100 if area else 0,
+    }
+
+
+def _ops_signal(metrics: Dict, bench: Dict) -> str:
+    psm = metrics.get("revenue_per_sqm", 0)
+    bench_psm = metrics.get("bench_psm", 300)
+    if bench_psm <= 0: return "HOLD"
+    ratio = psm / bench_psm
+    if ratio >= 1.2: return "BUY"
+    if ratio >= 0.8: return "HOLD"
+    if ratio >= 0.5: return "SELL"
+    return "STRONG_SELL"
+
+
+def _ops_confidence(perf: Dict, marketing: Dict) -> float:
+    has = sum([
+        1 if perf.get("monthly_revenue") else 0,
+        1 if perf.get("daily_visits")    else 0,
+        1 if marketing.get("member_count") else 0,
+        1 if perf.get("top_products")    else 0,
+    ])
+    return round(0.5 + 0.1 * has, 2)
+
+
+def _ops_key_points(metrics: Dict, perf: Dict, marketing: Dict, bench: Dict) -> List[str]:
+    pts = []
+    psm = metrics.get("revenue_per_sqm", 0)
+    bench_psm = metrics.get("bench_psm", 300)
+
+    pts.append(f"坪效: {psm:.1f}元/m²/月  行业基准: {bench_psm:.1f}  差距: {metrics['psm_gap_pct']:+.1f}%")
+    pts.append(f"转化率: {metrics['conversion_rate']:.1%}  外卖占比: {metrics['delivery_pct']:.1f}%")
+
+    if psm < bench_psm * 0.7:
+        pts.append("坪效显著低于基准，建议重新评估业态或开展营销活动")
+    if marketing.get("coupon_redemption_pct", 50) < 20:
+        pts.append("优惠券核销率低，营销触达效果需改善")
+    if marketing.get("member_repurchase_pct", 0) < 30:
+        pts.append("会员复购率偏低，建议加强会员运营和精准推送")
+    return pts[:5]
+
+
+def _template_ops(metrics: Dict, perf: Dict, marketing: Dict, bench: Dict) -> str:
+    psm = metrics.get("revenue_per_sqm", 0)
+    bench_psm = metrics.get("bench_psm", 300)
+    gap = metrics.get("psm_gap_pct", 0)
+
+    recs = []
+    if psm < bench_psm:
+        recs.append("1. 引入高客单价品类或体验型业态，提升坪效")
+    if metrics.get("delivery_pct", 0) < 20:
+        recs.append("2. 开通美团/饿了么外卖渠道，提高营业时段覆盖")
+    if marketing.get("member_count", 0) < 500:
+        recs.append("3. 启动会员招募计划，目标500+活跃会员")
+    recs.append("4. 分析低峰时段，设计限时优惠活动激活非高峰客流")
+
+    return (
+        f"运营提升建议（模板）：\n"
+        f"  坪效: {psm:.1f}元/m²/月（{'+' if gap >= 0 else ''}{gap:.1f}% vs 行业）\n"
+        f"  转化率: {metrics['conversion_rate']:.1%}  外卖占比: {metrics['delivery_pct']:.1f}%\n\n"
+        f"优化建议：\n"
+        + "\n".join(f"  {r}" for r in recs)
+    )

agents/realty/revenue_share.py

@@ -0,0 +1,214 @@
+"""
+agents/realty/revenue_share.py — 分账规则 Agent
+================================================
+根据合同规则和实际流水，计算各方收益并生成分账配置建议。
+
+输入数据（data dict keys）:
+    contract_rules  — 合同规则（保底/分润比例/阶梯/服务费/风险准备金等）
+    transaction_data — 本期实际流水数据（总流水/支付渠道明细/退款等）
+    accounts        — 各方收款账户信息（可选，用于分账配置验证）
+
+输出:
+    analysis    — 分账计算说明文本
+    signal      — BUY=分账正常 / HOLD=有补足情况 / SELL=流水严重不足
+    key_points  — 各方金额摘要
+    data_used   — 包含 split_result（可直接入库）
+"""
+from __future__ import annotations
+
+from decimal import Decimal, ROUND_HALF_UP
+from typing import Any, Dict, List
+from ..base import BaseAgent, AgentResult
+
+
+class RevenueShareAgent(BaseAgent):
+    name        = "revenue_share"
+    description = "分账规则：根据合同和实际流水计算各方应得金额，生成分账配置建议"
+
+    _SYSTEM = (
+        "你是一名分账与财务核算专家，专注于不动产经营权共创模式下的收益分配。\n"
+        "请对分账计算结果进行解读和说明：\n"
+        "  1. 说明本期各方应得金额的计算过程（分润基数→分润金额→保底补足→扣除项）\n"
+        "  2. 分析流水与保底的差距，判断经营状态（正常/偏低/严重不足）\n"
+        "  3. 如有阶梯分成被触发，解释阶梯规则的执行情况\n"
+        "  4. 给出本期结算的注意事项或风险提示\n"
+        "  5. 对下期经营给出1-2条改善建议"
+    )
+
+    async def analyze(self, symbol: str, data: Dict[str, Any]) -> AgentResult:
+        rules = data.get("contract_rules", {})
+        txn   = data.get("transaction_data", {})
+        accts = data.get("accounts", {})
+
+        split = _calculate_split(rules, txn)
+
+        user_prompt = (
+            f"本期分账计算结果：\n"
+            f"  实际总流水: {split['gross_revenue']:,.2f}元\n"
+            f"  参与分润流水: {split['net_revenue']:,.2f}元\n"
+            f"  保底金额: {split['guaranteed']:,.2f}元\n"
+            f"  分润比例: {split['share_pct']}%\n"
+            f"  资产方分润金额: {split['owner_share']:,.2f}元\n"
+            f"  保底补足金额: {split['top_up']:,.2f}元（需经营方补缴）\n"
+            f"  资产方实得: {split['owner_total']:,.2f}元\n"
+            f"  平台服务费: {split['platform_fee']:,.2f}元\n"
+            f"  风险准备金: {split['risk_reserve']:,.2f}元\n"
+            f"  经营方实得: {split['operator_net']:,.2f}元\n"
+            f"  结算周期: {rules.get('settlement_cycle','月结')}\n\n"
+            f"合同规则: 保底{rules.get('guaranteed_monthly',0):,}元/月, "
+            f"流水分润{rules.get('revenue_share_pct',0)}%, "
+            f"平台{rules.get('platform_fee_pct',5)}%, "
+            f"风险准备金{rules.get('risk_reserve_pct',3)}%\n\n"
+            "请对以上分账结果进行解读和说明。"
+        )
+
+        analysis = await self._call_llm(self._SYSTEM, user_prompt, max_tokens=600)
+        if not analysis:
+            analysis = _template_split_analysis(split, rules)
+
+        signal     = _split_signal(split)
+        confidence = 0.95  # 分账计算是确定性逻辑，置信度高
+        key_points = _split_key_points(split)
+
+        return AgentResult(
+            agent      = self.name,
+            symbol     = symbol,
+            analysis   = analysis,
+            confidence = confidence,
+            signal     = signal,
+            key_points = key_points,
+            data_used  = {"split_result": split, "contract_rules": rules},
+        )
+
+
+# ── 核心计算逻辑（Decimal精度） ────────────────────────────────────────────────
+
+def _calculate_split(rules: Dict, txn: Dict) -> Dict:
+    """
+    分账计算（精确到分）
+
+    分配顺序:
+        1. 从总流水中扣除: 平台服务费 + 风险准备金 + 退款
+        2. 剩余净流水 vs 分润基数 → 计算资产方分润
+        3. 资产方分润 vs 保底 → 计算保底补足
+        4. 经营方实得 = 净流水 - 资产方总收益 - 平台费 - 风险准备金
+    """
+    D = Decimal
+
+    gross        = D(str(txn.get("gross_revenue", 0)))
+    refunds      = D(str(txn.get("refunds", 0)))
+    guaranteed   = D(str(rules.get("guaranteed_monthly", 0)))
+    share_pct    = D(str(rules.get("revenue_share_pct", 0))) / D("100")
+    base_revenue = D(str(rules.get("revenue_share_base", 0)))
+    platform_pct = D(str(rules.get("platform_fee_pct", 5))) / D("100")
+    reserve_pct  = D(str(rules.get("risk_reserve_pct", 3))) / D("100")
+
+    # 各扣除项
+    net_revenue   = gross - refunds
+    platform_fee  = (net_revenue * platform_pct).quantize(D("0.01"), ROUND_HALF_UP)
+    risk_reserve  = (net_revenue * reserve_pct).quantize(D("0.01"), ROUND_HALF_UP)
+    distributable = net_revenue - platform_fee - risk_reserve
+
+    # 资产方分润（超出分润基数部分 * 分润比例）
+    shareable_revenue = max(D("0"), distributable - base_revenue)
+    owner_share       = (shareable_revenue * share_pct).quantize(D("0.01"), ROUND_HALF_UP)
+
+    # 保底补足（若分润不足保底，经营方须补足）
+    top_up = max(D("0"), guaranteed - owner_share)
+
+    owner_total    = owner_share + top_up
+    operator_net   = distributable - owner_total
+
+    # 阶梯分成（如有）
+    tiered_triggered = _apply_tiered(rules.get("tiered_rules", []), net_revenue)
+
+    return {
+        "gross_revenue":    float(gross),
+        "refunds":          float(refunds),
+        "net_revenue":      float(net_revenue),
+        "platform_fee":     float(platform_fee),
+        "risk_reserve":     float(risk_reserve),
+        "distributable":    float(distributable),
+        "guaranteed":       float(guaranteed),
+        "share_pct":        float(rules.get("revenue_share_pct", 0)),
+        "owner_share":      float(owner_share),
+        "top_up":           float(top_up),
+        "owner_total":      float(owner_total),
+        "operator_net":     float(operator_net),
+        "tiered_triggered": tiered_triggered,
+    }
+
+
+def _apply_tiered(tiered_rules: List[Dict], revenue: Decimal) -> List[Dict]:
+    """计算触发的阶梯分成规则"""
+    triggered = []
+    for rule in tiered_rules:
+        threshold = Decimal(str(rule.get("threshold", 0)))
+        pct       = rule.get("pct", 0)
+        if revenue >= threshold:
+            triggered.append({"threshold": float(threshold), "pct": pct,
+                               "status": "triggered"})
+        else:
+            triggered.append({"threshold": float(threshold), "pct": pct,
+                               "status": "not_triggered"})
+    return triggered
+
+
+def _split_signal(split: Dict) -> str:
+    net        = split.get("net_revenue", 0)
+    guaranteed = split.get("guaranteed", 0)
+    op_net     = split.get("operator_net", 0)
+
+    if guaranteed <= 0:  return "HOLD"
+    coverage = net / guaranteed if guaranteed else 0
+    if coverage >= 2.0 and op_net > 0:  return "BUY"
+    if coverage >= 1.0 and op_net > 0:  return "HOLD"
+    if op_net > 0 and coverage >= 0.5:  return "SELL"    # 经营方能勉强覆盖
+    return "STRONG_SELL"   # 经营方净收入为负或流水极低
+
+
+def _split_status(split: Dict) -> str:
+    """根据分账结果给出人读友好状态描述"""
+    top_up   = split.get("top_up", 0)
+    op_net   = split.get("operator_net", 0)
+    guaranteed = split.get("guaranteed", 0)
+    if top_up == 0:
+        return "流水分润超过保底，经营状况良好"
+    if op_net >= guaranteed * 0.5:
+        return "保底兜底生效（属正常），经营方净收入尚可"
+    if op_net > 0:
+        return "保底兜底生效，经营方净收入偏低，建议持续关注"
+    return "经营方净收入为负，无法自覆保底，需紧急处置"
+
+
+def _split_key_points(split: Dict) -> List[str]:
+    pts = []
+    pts.append(f"本期总流水: {split['gross_revenue']:,.2f}元")
+    pts.append(f"资产方实得: {split['owner_total']:,.2f}元"
+               + (f"（含补足{split['top_up']:,.2f}元）" if split['top_up'] > 0 else ""))
+    pts.append(f"经营方实得: {split['operator_net']:,.2f}元")
+    pts.append(f"平台服务费: {split['platform_fee']:,.2f}元  风险准备金: {split['risk_reserve']:,.2f}元")
+    if split.get("top_up", 0) > 0:
+        pts.append(f"保底补足: {split['top_up']:,.2f}元（需经营方在结算日前缴纳）")
+    return pts
+
+
+def _template_split_analysis(split: Dict, rules: Dict) -> str:
+    top_up_line = (
+        "保底补足: {:,.2f}元（须补缴）".format(split['top_up'])
+        if split['top_up'] > 0 else "流水覆盖保底，无需补足"
+    )
+    return (
+        f"分账计算说明（模板）：\n"
+        f"  本期总流水: {split['gross_revenue']:,.2f}元  退款: {split['refunds']:,.2f}元\n"
+        f"  净流水: {split['net_revenue']:,.2f}元\n"
+        f"  平台服务费 ({rules.get('platform_fee_pct',5)}%): -{split['platform_fee']:,.2f}元\n"
+        f"  风险准备金 ({rules.get('risk_reserve_pct',3)}%): -{split['risk_reserve']:,.2f}元\n"
+        f"  可分配金额: {split['distributable']:,.2f}元\n"
+        f"  资产方分润: {split['owner_share']:,.2f}元\n"
+        f"  保底收益: {split['guaranteed']:,.2f}元\n"
+        f"  {top_up_line}\n"
+        f"  资产方实得: {split['owner_total']:,.2f}元\n"
+        f"  经营方实得: {split['operator_net']:,.2f}元\n"
+        f"  状态: {_split_status(split)}"
+    )