feat(ar): 逾期预警判据 G5——90-150 前池 5pp/10万 + 责任人点名优先（阶段B 受批面）

backend/app/services/ar_overdue_alert.py

@@ -55,7 +55,9 @@ def validate_params(params: Any) -> Optional[str]:
     except ar_caliber.CaliberError as e:
         return str(e)
     for key in ("red", "yellow"):
-        if not isinstance(params.get(key), dict):
+        # 2026-10-21 阶段B：G5 新参数形状为扁平键（share_90_150_* 等），red/yellow 分组可缺省；
+        # 存在则必须是对象（防误传标量导致阈值静默失效）。
+        if params.get(key) is not None and not isinstance(params.get(key), dict):
             return "params.%s 必须是对象（阈值分组）" % key
     for key in ("assignee_by_unit", "action_texts"):
         if key in params and params[key] is not None and not isinstance(params[key], dict):
@@ -403,7 +405,10 @@ def _level_mom(mom_pct: Optional[float], params: Dict[str, Any]) -> Optional[str
 def _level_customer(overdue_amt: Decimal, oldest_days: int, params: Dict[str, Any]) -> Optional[str]:
     red = params.get("red") or {}
     yellow = params.get("yellow") or {}
+    # 阶段B G5 扁平参数：顶层 single_overdue_amt_gt 优先（未配 red 分组时仍可判红线）
     red_amt = red.get("single_overdue_amt_gt")
+    if red_amt is None:
+        red_amt = params.get("single_overdue_amt_gt")
     red_min_days = red.get("single_overdue_min_days")
     if red_amt is not None and overdue_amt > _dec(red_amt):
         if red_min_days is None or oldest_days >= int(red_min_days):
@@ -586,38 +591,99 @@ def compute(
                    "count_mom_pct": (round(mom_pct, 6) if mom_pct is not None else None)},
                   msg, action)
 
-    # 聚合判据 3：150+ 档占比环比上升 ⇒ 账龄结构恶化（§6.1 新增红线 2）
-    share_150 = None
-    prev_share_150 = None
+    # 聚合判据 3：账龄结构恶化（G5 2026-10-21 裁定）
+    #   · 新判据（参数化）：90–150 天「前池」占比环比上升 ≥ rise_pp_min **且** 该档余额 ≥ amt_min（AND）
+    #   · 兼容旧参数：未配 share_90_150_rise_pp_min 时，沿用 150+ 占比环比上升（red.structure_worsen）
+    share_90_150 = None
+    prev_share_90_150 = None
+    amt_90_150 = None
+    prev_amt_90_150 = None
     if total > 0:
-        share_150 = float(sum((_dec(r.get("b_150p")) for r in rows), Decimal("0")) / total)
+        amt_90_150 = sum((_dec(r.get("b_90_120")) + _dec(r.get("b_120_150")) for r in rows),
+                         Decimal("0"))
+        share_90_150 = float(amt_90_150 / total)
     if prev_rows:
-        prev_total = sum((_dec(r.get("total_amt")) for r in prev_rows), Decimal("0"))
-        if prev_total > 0:
-            prev_share_150 = float(
-                sum((_dec(r.get("b_150p")) for r in prev_rows), Decimal("0")) / prev_total)
-    structure_on = bool(red_cfg.get("structure_worsen"))
-    if structure_on:
-        if share_150 is not None and prev_share_150 is not None and share_150 > prev_share_150:
+        prev_total_90150 = sum((_dec(r.get("total_amt")) for r in prev_rows), Decimal("0"))
+        prev_amt_90_150 = sum((_dec(r.get("b_90_120")) + _dec(r.get("b_120_150")) for r in prev_rows),
+                              Decimal("0"))
+        if prev_total_90150 > 0:
+            prev_share_90_150 = float(prev_amt_90_150 / prev_total_90150)
+
+    rise_pp_min = params.get("share_90_150_rise_pp_min")
+    amt_min_90_150 = params.get("share_90_150_amt_min")
+    if rise_pp_min is not None and amt_min_90_150 is not None:
+        delta_pp = None
+        if share_90_150 is not None and prev_share_90_150 is not None:
+            delta_pp = (share_90_150 - prev_share_90_150) * 100.0
+        hit_90150 = (
+            delta_pp is not None and delta_pp >= float(rise_pp_min)
+            and amt_90_150 is not None and amt_90_150 >= _dec(amt_min_90_150)
+        )
+        if hit_90150:
             action = _action_text(params, "red")
             msg = _clip(
-                "【应收账款逾期】%s 150+ 档占比 %s%%（上期 %s%%）环比上升 %+.2fpp，账龄结构恶化"
-                "｜建议：%s" % (period, _fmt_pct(share_150), _fmt_pct(prev_share_150),
-                               (share_150 - prev_share_150) * 100.0, action or "见规则配置")
+                "【应收账款逾期】%s 90–150 天档占比 %s%%（上期 %s%%）环比 %+.2fpp ≥ %gpp，"
+                "该档余额 ¥%s（≥¥%s），账龄前池恶化｜建议：%s"
+                % (period, _fmt_pct(share_90_150), _fmt_pct(prev_share_90_150), delta_pp,
+                   float(rise_pp_min), _fmt_money(amt_90_150), _fmt_money(_dec(amt_min_90_150)),
+                   action or "见规则配置")
             )
-            _push_agg("structure_150p", "red",
-                      {"share_150p": round(share_150, 6),
+            _push_agg("structure_90_150", "red",
+                      {"share_90_150": round(share_90_150, 6),
                        "prev_period": prev_period,
-                       "prev_share_150p": (round(prev_share_150, 6)
-                                           if prev_share_150 is not None else None),
-                       "delta_pp": round((share_150 - prev_share_150) * 100.0, 4)},
+                       "prev_share_90_150": (round(prev_share_90_150, 6)
+                                             if prev_share_90_150 is not None else None),
+                       "delta_pp": round(delta_pp, 4),
+                       "amt_90_150": _money(amt_90_150),
+                       "rise_pp_min": float(rise_pp_min),
+                       "amt_min": float(amt_min_90_150)},
                       msg, action)
         else:
             notes.append(
-                "150+ 占比：本期 %s%% / 上期 %s%% ⇒ 结构恶化判据未触发"
-                % (_fmt_pct(share_150), _fmt_pct(prev_share_150)))
-    metrics["share_150p"] = (round(share_150, 6) if share_150 is not None else None)
-    metrics["prev_share_150p"] = (round(prev_share_150, 6) if prev_share_150 is not None else None)
+                "90–150 档：本期 %s%% / 上期 %s%%（Δ=%spp，门槛 ≥%gpp）｜余额 ¥%s（门槛 ≥¥%s）"
+                "⇒ 结构恶化判据未触发"
+                % (_fmt_pct(share_90_150), _fmt_pct(prev_share_90_150),
+                   ("%+.2f" % delta_pp) if delta_pp is not None else "-",
+                   float(rise_pp_min),
+                   _fmt_money(amt_90_150) if amt_90_150 is not None else "-",
+                   _fmt_money(_dec(amt_min_90_150))))
+        metrics["share_90_150"] = (round(share_90_150, 6) if share_90_150 is not None else None)
+        metrics["prev_share_90_150"] = (round(prev_share_90_150, 6)
+                                        if prev_share_90_150 is not None else None)
+        metrics["amt_90_150"] = (_money(amt_90_150) if amt_90_150 is not None else None)
+    else:
+        share_150 = None
+        prev_share_150 = None
+        if total > 0:
+            share_150 = float(sum((_dec(r.get("b_150p")) for r in rows), Decimal("0")) / total)
+        if prev_rows:
+            prev_total = sum((_dec(r.get("total_amt")) for r in prev_rows), Decimal("0"))
+            if prev_total > 0:
+                prev_share_150 = float(
+                    sum((_dec(r.get("b_150p")) for r in prev_rows), Decimal("0")) / prev_total)
+        structure_on = bool(red_cfg.get("structure_worsen"))
+        if structure_on:
+            if share_150 is not None and prev_share_150 is not None and share_150 > prev_share_150:
+                action = _action_text(params, "red")
+                msg = _clip(
+                    "【应收账款逾期】%s 150+ 档占比 %s%%（上期 %s%%）环比上升 %+.2fpp，账龄结构恶化"
+                    "｜建议：%s" % (period, _fmt_pct(share_150), _fmt_pct(prev_share_150),
+                                   (share_150 - prev_share_150) * 100.0, action or "见规则配置")
+                )
+                _push_agg("structure_150p", "red",
+                          {"share_150p": round(share_150, 6),
+                           "prev_period": prev_period,
+                           "prev_share_150p": (round(prev_share_150, 6)
+                                               if prev_share_150 is not None else None),
+                           "delta_pp": round((share_150 - prev_share_150) * 100.0, 4)},
+                          msg, action)
+            else:
+                notes.append(
+                    "150+ 占比：本期 %s%% / 上期 %s%% ⇒ 结构恶化判据未触发"
+                    % (_fmt_pct(share_150), _fmt_pct(prev_share_150)))
+        metrics["share_150p"] = (round(share_150, 6) if share_150 is not None else None)
+        metrics["prev_share_150p"] = (round(prev_share_150, 6)
+                                      if prev_share_150 is not None else None)
 
     # ── 逐户：assignee 派生失败 ⇒ 不生成（进 skipped[]），禁落空 assignee ──
     for c in customers:

backend/scripts/seed_ar_overdue_rule.py

@@ -34,34 +34,18 @@ from app.utils import ar_caliber  # noqa: E402
 RULE_TYPE = "ar_overdue"
 DEFAULT_KPI_CODE = "F_AR_002"  # 逾期应收账款率（财务口径）；库内暂缺时须由财务定绑定
 
-# ── 业务数字唯一定义处（阶段B 放行后如需调阈值：改这里或直接改 DB 行）──
+# ── 业务数字唯一定义处（阶段B G5 2026-10-21 裁定：停用 150+ 占比，改 90–150 前池）──
 DEFAULT_PARAMS = {
     "kpi_code": DEFAULT_KPI_CODE,
     "caliber": ar_caliber.CALIBER_DEBIT,
-    "red": {
-        # 2026-10-20 财务裁决：90 天占比红线停用（10 期 10/10 恒红、无区分度）→ 键位保留、置 null
-        "share_90plus_gt": None,
-        "single_overdue_amt_gt": 50000,
-        "single_overdue_min_days": 30,
-        "count_mom_pct_gte": 0.20,
-        # 150+ 档占比环比上升 = 结构恶化（新增红线 2）
-        "structure_worsen": True,
-    },
-    "yellow": {
-        "share_90plus_min": 0.15,
-        "share_90plus_max": 0.25,
-        "single_overdue_amt_min": 10000,
-        "single_overdue_amt_max": 50000,
-    },
-    # 责任人：逐户派生「近 3 个月主业务员 → 部门负责人」，两路皆失败则该户不生成（skipped[]）
-    "assignee_source": {
-        "mode": "salesman_then_dept",
-        "lookback_months": 3,
-        "dept_fallback": {"渠道": 118, "商务": 114, "直属酒窖": 117},
-    },
+    "share_90plus_gt": None,
+    "share_150p_gt": None,
+    "share_90_150_rise_pp_min": 5.0,
+    "share_90_150_amt_min": 100000,
+    "overdue_amt_display_only": True,
+    "single_overdue_amt_gt": 50000,
     "assignee_by_unit": {},
-    "exclude_unit_codes": [],
-    "action_texts": {"red": "催收+停供评估", "yellow": "对账+催收"},
+    "assignee_source": {"aggregate_assignee": "", "escalate": "任富海"},
 }
 
 
@@ -81,9 +65,20 @@ def main() -> int:
     ap.add_argument("--assignee", default=None, help="覆盖 assignee_default（财务指定责任人）")
     ap.add_argument("--apply", action="store_true", help="真正写库（阶段B 才允许）")
     ap.add_argument("--emit-params", default=None, help="把最终 params JSON 写入指定文件")
+    ap.add_argument("--params-file", default=None,
+                    help="整份 params JSON（与 DB 行逐字一致；给了就覆盖 DEFAULT_PARAMS）")
     args = ap.parse_args()
 
-    params = json.loads(json.dumps(DEFAULT_PARAMS))  # deep copy
+    if args.params_file:
+        with open(args.params_file, encoding="utf-8") as f:
+            raw = json.load(f)
+        params = raw.get("params", raw) if isinstance(raw, dict) else raw
+        if not isinstance(params, dict):
+            print("[BLOCK] --params-file 必须是 JSON 对象或 {params:{...}}", file=sys.stderr)
+            return 3
+        params = json.loads(json.dumps(params, ensure_ascii=False))  # deep copy
+    else:
+        params = json.loads(json.dumps(DEFAULT_PARAMS))  # deep copy
     if args.assignee is not None:
         params["assignee_default"] = args.assignee
     if args.emit_params:
@@ -125,7 +120,8 @@ def main() -> int:
             "params": params,
         }, ensure_ascii=False, indent=2))
         src = params.get("assignee_source") or {}
-        if not params.get("assignee_default") and not src.get("mode"):
+        if not (params.get("assignee_default") or params.get("assignee_by_unit")
+                or src.get("mode") or src.get("aggregate_assignee")):
             print("[WARN] 责任人均未配置 → 运行期 fail-closed 400（阶段B 前须由财务给值）")
 
         if exist: