Skill: tangweigang-jpg/p2p-lending-data (version 0.3.3)

--- name: p2p-lending-data description: |- 验证 Frappe Lending 贷款模块核心流程，包括贷款申请创建、放款计划生成、还款处理及结清退款的自动化测试能力。 license: Proprietary. See LICENSE.txt in project root. compatibility: Designed for Doramagic-host ecosystem (Claude Code / openclaw / Cursor). Requires Python 3.12+ with uv package manager. metadata: version: "v6.1" blueprint_id: "finance-bp-072" compiled_at: "2026-04-22T13:00:26.108289+00:00" capability_markets: "global" capability_activities: "credit-risk" sop_version: "crystal-compilation-v6.1" --- # P2P 贷款测试 (p2p-lending-data) > 验证 Frappe Lending 贷款模块核心流程，包括贷款申请创建、放款计划生成、还款处理及结清退款的自动化测试能力。 ## Pipeline `data_collection -> data_storage -> factor_computation -> target_selection -> trading_execution -> visualization` ## Top Use Cases (18 total) ### Test Infrastructure Setup for Lending Module (`UC-101`) Provides shared test utilities and setup functions needed by each lending module tests, including master initialization, loan product creation, and cu **Triggers**: test setup, lending test utils, test infrastructure ### Loan Refund and Closure Testing (`UC-102`) Tests the loan closure process when a borrower requests a refund of excess amounts after repaying the loan **Triggers**: loan refund, loan closure, excess amount refund ### Loan Application Creation Testing (`UC-103`) Tests the creation and processing of loan applications including rate of interest configuration and applicant details **Triggers**: loan application, loan request, apply for loan For all **18** use cases, see [references/USE_CASES.md](references/USE_CASES.md). **Execute trigger**: `When user intent matches intent_router.uc_entries[].positive_terms AND user uses action verb (run/execute/跑/执行/backtest/fetch/collect)` ## What I'll Ask You - Target market: A-share (default), HK, or crypto? (US stocks in ZVT are half-baked — stockus_nasdaq_AAPL exists but coverage is thin) - Data source / provider: eastmoney (free, no account), joinquant (account+paid), baostock (free, good history), akshare, or qmt (broker)? - Strategy type: MACD golden-cross, MA crossover, volume breakout, fundamental screen, or custom factor? - Time range: start_timestamp and end_timestamp for backtest period - Target entity IDs: specific stocks (stock_sh_600000) or index components (SZ1000)? ## Semantic Locks (Fatal) | ID | Rule | On Violation | |---|---|---| | `SL-01` | Execute sell orders before buy orders in every trading cycle | halt | | `SL-02` | Trading signals MUST use next-bar execution (no look-ahead) | halt | | `SL-03` | Entity IDs MUST follow format entity_type_exchange_code | halt | | `SL-04` | DataFrame index MUST be MultiIndex (entity_id, timestamp) | halt | | `SL-05` | TradingSignal MUST have EXACTLY ONE of: position_pct, order_money, order_amount | halt | | `SL-06` | filter_result column semantics: True=BUY, False=SELL, None/NaN=NO ACTION | halt | | `SL-07` | Transformer MUST run BEFORE Accumulator in factor pipeline | halt | | `SL-08` | MACD parameters locked: fast=12, slow=26, signal=9 | halt | Full lock definitions: [references/LOCKS.md](references/LOCKS.md) ## Top Anti-Patterns (14 total) - **`AP-CREDIT-RISK-001`**: Empty DataFrame passed to bucketing pipeline - **`AP-CREDIT-RISK-002`**: Multi-dimensional target array causing WoE shape mismatch - **`AP-CREDIT-RISK-003`**: OptimalBucketer receiving high-cardinality numerical features All 14 anti-patterns: [references/ANTI_PATTERNS.md](references/ANTI_PATTERNS.md) ## Evidence Quality Notice > [QUALITY NOTICE] This crystal was compiled from blueprint finance-bp-072. Evidence verify ratio = 69.5% and audit fail total = 24. Generated results may have uncaptured requirement gaps. Verify critical decisions against source files (LATEST.yaml / LATEST.jsonl). ## Reference Files | File | Contents | When to Load | |---|---|---| | [references/seed.yaml](references/seed.yaml) | V6+ 全量权威 (source-of-truth) | 有行为/决策争议时必读 | | [references/ANTI_PATTERNS.md](references/ANTI_PATTERNS.md) | 14 条跨项目反模式 | 开始实现前 | | [references/WISDOM.md](references/WISDOM.md) | 跨项目精华借鉴 | 架构决策时 | | [references/CONSTRAINTS.md](references/CONSTRAINTS.md) | domain + fatal 约束 | 规则冲突时 | | [references/USE_CASES.md](references/USE_CASES.md) | 全量 KUC-* 业务场景 | 需要完整示例时 | | [references/LOCKS.md](references/LOCKS.md) | SL-* + preconditions + hints | 生成回测/交易代码前 | | [references/COMPONENTS.md](references/COMPONENTS.md) | AST 组件地图（按 module 拆分）| 查 API 时 | --- *Compiled by Doramagic crystal-compilation-v6.1 from `finance-bp-072` blueprint at 2026-04-22T13:00:26.108289+00:00.* *See [human_summary.md](human_summary.md) for non-technical overview.*


Security scan verdicts — ClawScan: suspicious | static analysis: clean | VirusTotal: clean | SkillSpector:  ()