baseline: 批次A-D 成果 + membership 半成品（测试红）

2026-09-11 23:11:35 +08:00
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+"""批次 B1 · AI 应收风险预警测试。
+
+覆盖：三因子评分逻辑（回款变慢 / 欠款上升 / 频次骤降各有正分）、分档、
+风险排行、预警去重、API 全链路、无 LLM KEY 时的降级路径、租户隔离。
+"""
+
+import pytest
+from datetime import date, timedelta
+from decimal import Decimal
+from model_bakery import baker
+from rest_framework.test import APIClient
+from rest_framework_simplejwt.tokens import RefreshToken
+
+from apps.catalog.models import Product
+from apps.inventory.models import Warehouse
+from apps.partner.models import Customer
+from apps.finance.models import Receivable, Receipt, Allocation
+from apps.notify.models import Notification, AlertRule
+from apps.sales.models import SalesBill
+from apps.ai import risk as ai_risk
+
+
+@pytest.fixture
+def auth_client(db, user, tenant):
+    c = APIClient()
+    refresh = RefreshToken.for_user(user)
+    c.credentials(
+        HTTP_AUTHORIZATION=f"Bearer {refresh.access_token}",
+        HTTP_X_TENANT_ID=tenant.code,
+    )
+    return c
+
+
+@pytest.fixture
+def customer(db, tenant):
+    return baker.make(Customer, tenant=tenant, code="C001", name="张三便利店",
+                      credit_limit=Decimal("5000"))
+
+
+@pytest.fixture
+def warehouse(db, tenant):
+    return baker.make(Warehouse, tenant=tenant, code="WH01", name="主仓")
+
+
+@pytest.fixture
+def product(db, tenant):
+    return baker.make(Product, tenant=tenant, code="P001", name="可乐",
+                      sale_price=Decimal("10"))
+
+
+def _receivable(tenant, customer, amount, *, bill_date, paid=0, no="RC001"):
+    return baker.make(
+        Receivable, tenant=tenant, customer=customer, bill_no=no,
+        bill_date=bill_date, total_amount=Decimal(str(amount)),
+        paid_amount=Decimal(str(paid)),
+        status="paid" if paid and Decimal(str(paid)) >= Decimal(str(amount)) else
+               ("partial" if paid else "open"),
+    )
+
+
+def _settle(tenant, customer, recv, *, receipt_date, method="现金"):
+    """造一笔收款 + 核销，用于回款周期计算。"""
+    receipt = baker.make(
+        Receipt, tenant=tenant, customer=customer, bill_no=f"SK{recv.bill_no}",
+        bill_date=receipt_date, amount=recv.total_amount, status="posted", method=method,
+    )
+    baker.make(
+        Allocation, tenant=tenant, kind="receipt",
+        receivable=recv, receipt=receipt, amount=recv.total_amount,
+    )
+    return receipt
+
+
+# ---------- 因子：回款周期漂移 ----------
+
+
+def test_cycle_drift_zero_when_no_samples(tenant, customer):
+    """无核销记录 → 不计分（不误报）。"""
+    out = ai_risk.cycle_drift_score(tenant, customer)
+    assert Decimal(str(out["score"])) == 0
+    assert "样本不足" in out["reason"]
+
+
+def test_cycle_drift_positive_when_slower(tenant, customer):
+    """历史 10 天回款，近期 40 天回款 → 明显变慢，得分高。"""
+    today = date.today()
+    # 基线：1 年前 3 笔，10 天回款
+    for i in range(3):
+        d = today - timedelta(days=300 + i * 10)
+        r = _receivable(tenant, customer, 100, bill_date=d, no=f"RC-B{i}")
+        _settle(tenant, customer, r, receipt_date=d + timedelta(days=10))
+    # 近期：40 天回款（仍在 90 天窗口内）
+    r2 = _receivable(tenant, customer, 200, bill_date=today - timedelta(days=50), no="RC-N1")
+    _settle(tenant, customer, r2, receipt_date=today - timedelta(days=10))
+    out = ai_risk.cycle_drift_score(tenant, customer, today=today)
+    assert Decimal(str(out["score"])) > 50, out
+    assert out["recent_days"] > out["baseline_days"]
+
+
+def test_cycle_drift_zero_when_faster(tenant, customer):
+    """近期回款更快 → 不得分。"""
+    today = date.today()
+    for i in range(3):
+        d = today - timedelta(days=300 + i * 10)
+        r = _receivable(tenant, customer, 100, bill_date=d, no=f"RC-S{i}")
+        _settle(tenant, customer, r, receipt_date=d + timedelta(days=60))
+    r2 = _receivable(tenant, customer, 200, bill_date=today - timedelta(days=30), no="RC-F1")
+    _settle(tenant, customer, r2, receipt_date=today - timedelta(days=25))
+    out = ai_risk.cycle_drift_score(tenant, customer, today=today)
+    assert Decimal(str(out["score"])) == 0, out
+
+
+# ---------- 因子：欠款趋势 ----------
+
+
+def test_outstanding_trend_positive_on_growth(tenant, customer):
+    """上月欠 1000，本月欠 1600（+60%）→ 高分。"""
+    today = date.today()
+    this_month_start = today.replace(day=1)
+    last_month_end = this_month_start - timedelta(days=1)
+    _receivable(tenant, customer, 1000, bill_date=last_month_end - timedelta(days=5),
+                no="RC-OLD")
+    _receivable(tenant, customer, 600, bill_date=today, no="RC-NEW")
+    # 注意：本月口径含上月未结，故 as_of 今天 = 1600，上月 = 1000
+    out = ai_risk.outstanding_trend_score(tenant, customer, today=today)
+    assert Decimal(str(out["score"])) > 50, out
+    assert out["current"] > out["previous"]
+
+
+def test_outstanding_trend_zero_on_decline(tenant, customer):
+    today = date.today()
+    this_month_start = today.replace(day=1)
+    last_month_end = this_month_start - timedelta(days=1)
+    _receivable(tenant, customer, 2000, bill_date=last_month_end - timedelta(days=3),
+                paid=1500, no="RC-OLD2")
+    out = ai_risk.outstanding_trend_score(tenant, customer, today=today)
+    assert Decimal(str(out["score"])) == 0, out
+
+
+def test_outstanding_trend_new_debt_when_no_history(tenant, customer):
+    """上月无欠款、本月有 → 50 分（新增欠款，但不直接满分）。"""
+    today = date.today()
+    _receivable(tenant, customer, 800, bill_date=today, no="RC-FRESH")
+    out = ai_risk.outstanding_trend_score(tenant, customer, today=today)
+    assert Decimal(str(out["score"])) == 50, out
+    assert "新增" in out["reason"]
+
+
+# ---------- 因子：开单频次骤降 ----------
+
+
+def test_order_drop_zero_without_outstanding(tenant, customer, warehouse, product):
+    out = ai_risk.order_drop_score(tenant, customer)
+    assert Decimal(str(out["score"])) == 0
+    assert "无欠款" in out["reason"]
+
+
+def test_order_drop_high_when_long_gap(tenant, customer, warehouse, product):
+    """有欠款 + 90 天未开单 → 100 分。"""
+    today = date.today()
+    _receivable(tenant, customer, 500, bill_date=today - timedelta(days=100), no="RC-GAP")
+    from apps.sales import services as sales_services
+    bill = sales_services.create_sales_bill(
+        tenant=tenant, customer=customer, warehouse=warehouse,
+        lines=[{"product": product, "quantity": 1, "unit_price": 10}],
+        bill_date=today - timedelta(days=95),
+    )
+    out = ai_risk.order_drop_score(tenant, customer, today=today)
+    assert Decimal(str(out["score"])) == 100, out
+    assert out["days_since_last_bill"] >= 90
+
+
+def test_order_drop_zero_within_30_days(tenant, customer, warehouse, product):
+    today = date.today()
+    _receivable(tenant, customer, 500, bill_date=today, no="RC-RECENT")
+    from apps.sales import services as sales_services
+    sales_services.create_sales_bill(
+        tenant=tenant, customer=customer, warehouse=warehouse,
+        lines=[{"product": product, "quantity": 1, "unit_price": 10}],
+        bill_date=today - timedelta(days=5),
+    )
+    out = ai_risk.order_drop_score(tenant, customer, today=today)
+    assert Decimal(str(out["score"])) == 0, out
+
+
+# ---------- 综合评分 ----------
+
+
+def test_score_customer_high_risk_combo(tenant, customer, warehouse, product):
+    """回款变慢 + 欠款上升 + 长期未开单 → high 档。"""
+    today = date.today()
+    this_month_start = today.replace(day=1)
+    last_month_end = this_month_start - timedelta(days=1)
+    # 基线快回款
+    for i in range(3):
+        d = today - timedelta(days=320 + i * 10)
+        r = _receivable(tenant, customer, 100, bill_date=d, no=f"RC-H{i}")
+        _settle(tenant, customer, r, receipt_date=d + timedelta(days=5))
+    # 近期待收：慢回款 + 未结欠款
+    r_recent = _receivable(tenant, customer, 300, bill_date=today - timedelta(days=45),
+                           no="RC-HN")
+    _settle(tenant, customer, r_recent, receipt_date=today - timedelta(days=3))
+    _receivable(tenant, customer, 900, bill_date=last_month_end - timedelta(days=2),
+                no="RC-HOLD1")
+    _receivable(tenant, customer, 700, bill_date=today, no="RC-HOLD2")
+
+    data = ai_risk.score_customer(tenant, customer, today=today)
+    assert data["level"] == "high", data
+    assert data["score"] >= 70
+    assert set(data["factors"]) == {"cycle_drift", "outstanding_trend", "order_drop"}
+
+
+def test_score_customer_low_when_healthy(tenant, customer, warehouse, product):
+    """按时回款 + 无欠款 → low 档，分数低。"""
+    today = date.today()
+    r = _receivable(tenant, customer, 300, bill_date=today - timedelta(days=20),
+                    paid=300, no="RC-OK")
+    _settle(tenant, customer, r, receipt_date=today - timedelta(days=15))
+    data = ai_risk.score_customer(tenant, customer, today=today)
+    assert data["level"] == "low", data
+    assert data["score"] < 40
+
+
+def test_risk_ranking_orders_by_score(tenant, warehouse, product):
+    """排行按分数降序，且只含有效应收客户。"""
+    today = date.today()
+    c_high = baker.make(Customer, tenant=tenant, code="C-H", name="高风险客户",
+                        credit_limit=Decimal("1000"))
+    c_low = baker.make(Customer, tenant=tenant, code="C-L", name="低风险客户",
+                       credit_limit=Decimal("1000"))
+    # 高风险：大额欠款 + 长期无单
+    _receivable(tenant, c_high, 2000, bill_date=today - timedelta(days=120), no="RC-HH")
+    # 低风险：今天刚开单 + 小额欠款
+    _receivable(tenant, c_low, 50, bill_date=today, no="RC-LL")
+    from apps.sales import services as sales_services
+    for c in (c_low,):
+        sales_services.create_sales_bill(
+            tenant=tenant, customer=c, warehouse=warehouse,
+            lines=[{"product": product, "quantity": 1, "unit_price": 10}],
+            bill_date=today - timedelta(days=2),
+        )
+
+    ranking = ai_risk.risk_ranking(tenant, top_n=5, today=today)
+    assert len(ranking) == 2
+    assert ranking[0]["customer_code"] == "C-H"
+    assert ranking[0]["score"] >= ranking[1]["score"]
+
+
+def test_risk_ranking_empty_without_receivables(tenant, customer):
+    assert ai_risk.risk_ranking(tenant, top_n=5) == []
+
+
+# ---------- API ----------
+
+
+def test_risk_ranking_api(db, auth_client, tenant, customer):
+    today = date.today()
+    _receivable(tenant, customer, 1200, bill_date=today - timedelta(days=100), no="RC-API")
+    resp = auth_client.get("/api/v1/ai/risk/ranking/?top_n=5")
+    assert resp.status_code == 200, resp.content
+    body = resp.json()
+    assert body["llm_enhanced"] is False      # 测试环境无 KEY → 降级
+    assert body["count"] >= 1
+    assert body["results"][0]["customer_code"] == "C001"
+
+
+def test_customer_risk_api(db, auth_client, tenant, customer):
+    resp = auth_client.get(f"/api/v1/ai/risk/customer/{customer.id}/")
+    assert resp.status_code == 200, resp.content
+    body = resp.json()
+    assert body["customer_code"] == "C001"
+    assert "factors" in body
+
+
+def test_customer_risk_api_404_other_tenant(db, auth_client, tenant, other_tenant):
+    other = baker.make(Customer, tenant=other_tenant, code="X1", name="别家客户")
+    resp = auth_client.get(f"/api/v1/ai/risk/customer/{other.id}/")
+    assert resp.status_code == 404
+
+
+def test_collection_advice_falls_back_to_statistics(db, auth_client, tenant, customer):
+    """无 KEY → advice 回落到统计理由，且 llm_enhanced=False（不 500）。"""
+    today = date.today()
+    _receivable(tenant, customer, 2000, bill_date=today - timedelta(days=120), no="RC-ADV")
+    resp = auth_client.get(f"/api/v1/ai/risk/advice/{customer.id}/")
+    assert resp.status_code == 200, resp.content
+    body = resp.json()
+    assert body["llm_enhanced"] is False
+    assert body["advice"] == body["stat_reason"]
+    assert "风险分" in body["advice"]
+
+
+# ---------- 预警规则 + 扫描 ----------
+
+
+def test_risk_scan_creates_notification(db, auth_client, tenant, customer):
+    today = date.today()
+    _receivable(tenant, customer, 3000, bill_date=today - timedelta(days=120), no="RC-SCAN")
+    AlertRule.objects.create(
+        tenant=tenant, code="ai_risk_score", name="AI 风险预警",
+        rule_type="risk_score", threshold=Decimal("10"), is_enabled=True,
+    )
+    resp = auth_client.post("/api/v1/ai/risk/scan/", {}, format="json")
+    assert resp.status_code == 200, resp.content
+    assert resp.json()["created_count"] >= 1
+    n = Notification.objects.filter(tenant=tenant, extra_data__rule="risk_score")
+    assert n.count() >= 1
+    assert "应收风险" in n.first().title
+
+
+def test_risk_scan_dedupes_same_day(db, auth_client, tenant, customer):
+    """同日二次扫描不重复发同客户预警。"""
+    today = date.today()
+    _receivable(tenant, customer, 3000, bill_date=today - timedelta(days=120), no="RC-DD")
+    AlertRule.objects.create(
+        tenant=tenant, code="ai_risk_score", name="AI 风险预警",
+        rule_type="risk_score", threshold=Decimal("10"), is_enabled=True,
+    )
+    auth_client.post("/api/v1/ai/risk/scan/", {}, format="json")
+    resp2 = auth_client.post("/api/v1/ai/risk/scan/", {}, format="json")
+    assert resp2.json()["created_count"] == 0
+
+
+def test_risk_scan_skipped_without_enabled_rule(db, auth_client, tenant, customer):
+    """规则未启用 → 不扫描（尊重配置）。"""
+    today = date.today()
+    _receivable(tenant, customer, 3000, bill_date=today - timedelta(days=120), no="RC-NR")
+    resp = auth_client.post("/api/v1/ai/risk/scan/", {}, format="json")
+    assert resp.status_code == 200
+    assert resp.json()["created_count"] == 0
+
+
+def test_init_default_rules_includes_risk(db, tenant):
+    from apps.notify.services import init_default_alert_rules
+    init_default_alert_rules(tenant)
+    assert AlertRule.objects.filter(tenant=tenant, rule_type="risk_score").exists()
+
+
+def test_run_all_alert_checks_includes_risk_count(db, tenant, customer):
+    from apps.notify.services import run_all_alert_checks
+    result = run_all_alert_checks(tenant)
+    assert "risk_score_alerts_count" in result
+    assert "total_alerts" in result
+
+
+def test_llm_unavailable_by_default(db, settings):
+    """默认无 KEY → available() False（保证离线可跑）。"""
+    from apps.ai import llm
+    settings.AI_PROVIDER = ""
+    settings.AI_API_KEY = ""
+    assert llm.available() is False
+    assert llm.chat([{"role": "user", "content": "hi"}]) is None
+    assert llm.collect_advice("hi") is None