P2p Lending Data

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.

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)

Full lock definitions: 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

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

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 for non-technical overview.