475 lines
12 KiB
Markdown
475 lines
12 KiB
Markdown
# Design: 集成保险流程到贷款业务
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## Context
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本设计涉及银行端、保险端和政务端三个系统的协同，实现贷款业务中的保险购买、核保、理赔审核和不良贷款监管的完整流程。
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**关键约束**：
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- 保险购买是银行端在贷款审核通过后的可选操作，与用户端无关
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- 银行选择保险产品后，自动发送给对应的保险公司
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- 银行端发起理赔申请并上传材料到保险公司
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- 政务端可以看到银行端的所有贷款信息，包括不良贷款
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**本次优化重点**：
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- 优化银行端审核详情页面的保险功能交互
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- 实现投保和理赔的页面跳转
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- 流程步骤条增加保险节点
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- 快捷入口位置调整
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## Goals / Non-Goals
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**Goals**:
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- 建立银行与保险公司之间的投保和核保流程
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- 实现银行向保险公司提交理赔申请的功能
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- 支持保险公司进行核保和理赔审核
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- 为政务端提供完整的贷款业务流程视图，包括保险和审批信息
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- 确保各端数据的一致性和可追溯性
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- 优化银行端保险功能的用户体验
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**Non-Goals**:
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- 不涉及用户端直接购买保险
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- 不涉及保险公司主动向银行推送产品
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- 不涉及政务端对贷款的审批（仅查看）
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- 不涉及保险产品的具体定价和费率计算
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## Decisions
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### 1. 数据模型设计
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#### 1.1 保险相关数据实体
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```typescript
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// 保险公司
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interface InsuranceCompany {
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id: string;
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name: string;
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contactInfo: string;
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status: 'active' | 'inactive';
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}
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// 保险产品
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interface InsuranceProduct {
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id: string;
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companyId: string;
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name: string;
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type: 'housing_loan' | 'business_credit' | 'other';
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description: string;
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minAmount: number;
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maxAmount: number;
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status: 'active' | 'inactive';
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}
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// 投保申请
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interface InsuranceApplication {
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id: string;
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loanId: string;
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bankId: string;
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companyId: string;
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productId: string;
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customerInfo: {
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name: string;
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idNumber: string;
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creditScore: number;
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loanAmount: number;
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loanTerm: number;
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};
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insuranceAmount: number;
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insuranceTerm: number;
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status: 'pending' | 'approved' | 'rejected';
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createdAt: Date;
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reviewedAt?: Date;
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reviewedBy?: string;
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rejectionReason?: string;
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}
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// 保险单
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interface InsurancePolicy {
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id: string;
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applicationId: string;
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policyNumber: string;
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companyId: string;
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bankId: string;
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loanId: string;
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productId: string;
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insuranceAmount: number;
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insuranceTerm: number;
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startDate: Date;
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endDate: Date;
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status: 'active' | 'expired' | 'cancelled';
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issuedAt: Date;
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}
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// 理赔申请
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interface ClaimApplication {
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id: string;
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policyId: string;
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loanId: string;
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bankId: string;
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companyId: string;
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claimAmount: number;
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claimReason: string;
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materials: string[]; // 文件URL列表
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status: 'pending' | 'approved' | 'rejected';
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submittedAt: Date;
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reviewedAt?: Date;
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reviewedBy?: string;
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rejectionReason?: string;
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payoutAmount?: number;
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payoutDate?: Date;
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}
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```
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#### 1.2 贷款与保险关联
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```typescript
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// 扩展现有贷款实体
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interface Loan {
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id: string;
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// ... 现有字段
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insuranceApplicationId?: string; // 可选
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insurancePolicyId?: string; // 可选
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claimApplicationIds: string[]; // 理赔申请列表
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isBadLoan: boolean; // 是否为不良贷款
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}
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```
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### 2. 业务流程设计
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#### 2.1 保险购买流程
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```mermaid
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sequenceDiagram
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participant Bank as 银行端
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participant System as 系统后端
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participant Insurance as 保险端
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Bank->>System: 1. 贷款审核通过
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Bank->>System: 2. 选择购买保险（可选）
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Bank->>System: 3. 选择保险公司和产品
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Bank->>System: 4. 确定保险金额和期限
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System->>System: 5. 创建投保申请
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System->>Insurance: 6. 自动发送投保申请
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Insurance->>Insurance: 7. 核保人员审核
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alt 核保通过
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Insurance->>System: 8a. 返回核保通过
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System->>System: 9a. 生成保险单
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System->>Bank: 10a. 通知投保成功
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else 核保拒绝
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Insurance->>System: 8b. 返回拒绝原因
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System->>Bank: 10b. 通知投保失败
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end
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```
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#### 2.2 理赔申请流程
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```mermaid
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sequenceDiagram
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participant Bank as 银行端
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participant System as 系统后端
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participant Insurance as 保险端
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Bank->>System: 1. 发起理赔申请
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Bank->>System: 2. 上传理赔材料
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System->>System: 3. 创建理赔申请记录
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System->>Insurance: 4. 发送理赔申请
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Insurance->>Insurance: 5. 审核理赔材料
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alt 审核通过
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Insurance->>System: 6a. 返回审核通过
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Insurance->>System: 7a. 执行赔付
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System->>Bank: 8a. 通知理赔成功
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else 审核拒绝
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Insurance->>System: 6b. 返回拒绝原因
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System->>Bank: 8b. 通知理赔失败
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end
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```
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#### 2.3 政务端查看流程
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```mermaid
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sequenceDiagram
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participant Government as 政务端
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participant System as 系统后端
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Government->>System: 1. 请求贷款列表
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System->>Government: 2. 返回贷款信息（含保险信息）
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Government->>System: 3. 请求贷款详情
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System->>Government: 4. 返回完整信息：
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- 用户信息
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- 贷款信息
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- 保险信息（投保申请、保险单）
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- 理赔信息（理赔申请、审核结果）
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- 审批流程记录
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```
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### 3. API 接口设计
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#### 3.1 银行端接口
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```typescript
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// 获取合作保险公司列表
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GET /api/bank/insurance/companies
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// 获取保险产品列表
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GET /api/bank/insurance/products?companyId={companyId}
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// 创建投保申请
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POST /api/bank/insurance/applications
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{
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loanId: string;
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companyId: string;
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productId: string;
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insuranceAmount: number;
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insuranceTerm: number;
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}
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// 获取投保申请状态
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GET /api/bank/insurance/applications/{id}
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// 创建理赔申请
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POST /api/bank/insurance/claims
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{
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policyId: string;
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loanId: string;
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claimAmount: number;
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claimReason: string;
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materials: File[];
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}
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// 获取理赔申请状态
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GET /api/bank/insurance/claims/{id}
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```
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#### 3.2 保险端接口
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```typescript
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// 获取待核保申请列表
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GET /api/insurance/applications?status=pending
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// 获取投保申请详情
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GET /api/insurance/applications/{id}
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// 核保审核
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POST /api/insurance/applications/{id}/review
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{
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approved: boolean;
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rejectionReason?: string;
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}
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// 获取待理赔审核列表
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GET /api/insurance/claims?status=pending
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// 获取理赔申请详情
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GET /api/insurance/claims/{id}
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// 理赔审核
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POST /api/insurance/claims/{id}/review
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{
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approved: boolean;
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rejectionReason?: string;
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payoutAmount?: number;
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}
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```
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#### 3.3 政务端接口
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```typescript
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// 获取贷款列表（含保险信息）
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GET /api/government/loans?includeInsurance=true
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// 获取贷款详情（含完整业务流程）
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GET /api/government/loans/{id}?full=true
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// 获取不良贷款列表
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GET /api/government/loans/bad
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```
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### 4. 页面结构设计
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#### 4.1 银行端页面
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```
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src/pagesBank/insurance/
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├── application/
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│ ├── create.vue # 创建投保申请
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│ └── detail.vue # 投保申请详情
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├── claim/
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│ ├── create.vue # 创建理赔申请
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│ └── list.vue # 理赔申请列表
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└── policy/
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└── detail.vue # 保险单详情
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```
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#### 4.2 保险端页面
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```
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src/pagesInsurance/underwriting/
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├── list.vue # 待核保申请列表
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└── detail.vue # 核保申请详情
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src/pagesInsurance/claim-review/
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├── list.vue # 待理赔审核列表
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└── detail.vue # 理赔审核详情
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```
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#### 4.3 政务端页面
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```
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src/pagesGovernment/bank/
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├── list.vue # 修改：显示保险信息标识
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└── detail.vue # 修改：显示完整业务流程信息
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```
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### 5. 状态机设计
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#### 5.1 投保申请状态机
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```
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pending → approved → policy_issued
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pending → rejected
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```
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#### 5.2 理赔申请状态机
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```
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pending → approved → paid
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pending → rejected
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```
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### 6. 权限控制
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- **银行端**：只能查看和操作自己发起的投保和理赔申请
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- **保险端**：只能查看和操作分配给自己的核保和理赔审核任务
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- **政务端**：只读权限，可查看所有贷款信息
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## UI/UX 优化设计
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### 6.1 审核详情页面优化
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#### 6.1.1 保险信息展示
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根据贷款状态动态展示不同的保险信息：
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- **未投保状态**（status === 'DISBURSED' && !hasInsurance）：
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- 显示"购买保险"按钮
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- 不显示保单信息
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- **已投保状态**（hasInsurance）：
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- 显示保单信息（保险公司、保单号、保险金额、保险期限）
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- 显示"申请理赔"按钮
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- **投保中状态**（insuranceStatus === 'pending'）：
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- 显示投保申请进度
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- 不显示保单号（还未生成）
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- **已理赔状态**（hasClaim）：
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- 显示保单信息
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- 显示理赔记录
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#### 6.1.2 投保申请跳转
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```typescript
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function handleBuyInsurance() {
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const loanId = detail.value.id
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const loanAmount = detail.value.amount
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const loanTerm = detail.value.term * 12 // 转换为月
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uni.navigateTo({
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url: `/pagesBank/insurance/application/create?loanId=${loanId}&loanAmount=${loanAmount}&loanTerm=${loanTerm}`,
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})
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}
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```
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#### 6.1.3 理赔申请跳转
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```typescript
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function handleApplyClaim() {
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const loanId = detail.value.id
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const policyId = detail.value.insurancePolicy.id
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const policyNumber = detail.value.insurancePolicy.policyNumber
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uni.navigateTo({
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url: `/pagesBank/insurance/claim/create?loanId=${loanId}&policyId=${policyId}&policyNumber=${policyNumber}`,
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})
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}
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```
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### 6.2 流程步骤条优化
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#### 6.2.1 步骤定义
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```typescript
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const steps = [
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{ key: 'SUBMITTED', label: '申请' },
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{ key: 'ACCEPTED', label: '受理' },
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{ key: 'INVESTIGATING', label: '调查' },
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{ key: 'APPROVING', label: '审批' },
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{ key: 'INSURANCE', label: '投保', condition: (detail) => detail.hasInsurance },
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{ key: 'SIGNING', label: '签约' },
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{ key: 'DISBURSED', label: '放款' },
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]
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```
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#### 6.2.2 条件渲染
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```vue
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<view
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v-for="(step, index) in visibleSteps"
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:key="step.key"
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class="step-item"
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:class="{ active: index <= currentStepIndex, current: index === currentStepIndex }"
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>
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<!-- 步骤内容 -->
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</view>
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```
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### 6.3 快捷入口迁移
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#### 6.3.1 从审核列表移除
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移除 `/pagesBank/audit/list.vue` 中的保险功能快捷入口代码块。
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#### 6.3.2 添加到工作台首页
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在 `/pagesBank/dashboard/index.vue` 的 `quickActions` 数组中添加：
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```typescript
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const quickActions = [
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{ icon: 'i-carbon-task-approved', label: '待审核', path: '/pagesBank/audit/list' },
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{ icon: 'i-carbon-group', label: '客户管理', path: '/pagesBank/customer/list' },
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{ icon: 'i-carbon-calendar', label: '拜访计划', path: '/pagesBank/visit/list' },
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{ icon: 'i-carbon-add', label: '创建拜访', path: '/pagesBank/visit/create' },
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{ icon: 'i-carbon-document-download', label: '报表', path: '/pagesBank/report/list' },
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{ icon: 'i-carbon-security', label: '投保管理', path: '/pagesBank/insurance/application/list' },
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{ icon: 'i-carbon-money', label: '理赔管理', path: '/pagesBank/insurance/claim/list' },
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{ icon: 'i-carbon-settings', label: '设置', path: '/pagesBank/me/index' },
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]
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```
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## Risks / Trade-offs
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| Risk | Mitigation |
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|------|-----------|
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| 保险公司核保时间过长影响贷款放款 | 设置核保超时机制，超时后允许银行取消投保 |
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| 理赔材料审核标准不统一 | 在系统中提供审核标准文档和模板 |
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| 跨系统数据同步延迟 | 使用消息队列确保数据最终一致性 |
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| 政务端数据量过大影响性能 | 实现分页和懒加载，支持按条件筛选 |
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## Migration Plan
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1. **Phase 0**: 创建数据表和 API 接口
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2. **Phase 2**: 实现银行端保险购买功能
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3. **Phase 3**: 实现保险端核保功能
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4. **Phase 4**: 实现银行端理赔申请功能
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5. **Phase 5**: 实现保险端理赔审核功能
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6. **Phase 6**: 扩展政务端查看功能
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**Rollback**: 如果需要回滚，可以禁用保险相关功能，贷款流程将恢复到不包含保险的状态。
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## Open Questions
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1. 保险公司是否需要支持多家银行同时接入？
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2. 理赔赔付金额的计算规则是什么？
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3. 不良贷款的判定标准是什么（逾期天数、金额等）？
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4. 是否需要支持保险单的转让或变更？
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5. 投保节点是否需要在所有贷款流程中都显示？
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