From 75ca7f10be7d613b635b271ddf5f9a10b49c8104 Mon Sep 17 00:00:00 2001 From: R524809 Date: Tue, 11 Nov 2025 17:25:25 +0800 Subject: [PATCH] =?UTF-8?q?feat:=20=E6=95=B0=E6=8D=AE=E5=BA=93=E8=AE=BE?= =?UTF-8?q?=E8=AE=A1?= MIME-Version: 1.0 Content-Type: text/plain; charset=UTF-8 Content-Transfer-Encoding: 8bit --- 我编写的文档/付费订阅数据库设计.md | 482 ++++++++++++++++ 我编写的文档/投资记录-产品设计.md | 8 +- 我编写的文档/数据库设计.md | 885 +++++++++++++++++++++++++++++ 3 files changed, 1373 insertions(+), 2 deletions(-) create mode 100644 我编写的文档/付费订阅数据库设计.md create mode 100644 我编写的文档/数据库设计.md diff --git a/我编写的文档/付费订阅数据库设计.md b/我编写的文档/付费订阅数据库设计.md new file mode 100644 index 0000000..d503bde --- /dev/null +++ b/我编写的文档/付费订阅数据库设计.md @@ -0,0 +1,482 @@ +订阅相关表设计 +--- +## 表结构总览 +数据库使用 PostgreSQL + +``` +订阅相关 +├── subscription_plans (订阅计划表) +├── subscriptions (用户订阅表) +├── subscription_history (订阅历史记录表) +├── payments (支付记录表) +└── subscription_features (订阅功能权限表) +``` +## 订阅相关表设计 + +### subscription_plans 订阅计划表 +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| plan_id | BIGSERIAL | PRIMARY KEY | 计划ID，自增 | +| plan_code | VARCHAR(50) | NOT NULL, UNIQUE | 计划代码（如：annual_19） | +| plan_name | VARCHAR(100) | NOT NULL | 计划名称（如：年付会员） | +| plan_type | VARCHAR(20) | NOT NULL, CHECK | 计划类型：monthly/yearly/lifetime | +| price | DECIMAL(10, 2) | NOT NULL | 价格（元） | +| duration_days | INTEGER | NOT NULL | 订阅时长（天） | +| features | JSONB | | 包含的功能列表（JSON格式） | +| is_active | BOOLEAN | NOT NULL, DEFAULT true | 是否启用 | +| sort_order | INTEGER | DEFAULT 0 | 排序顺序 | +| description | TEXT | | 计划描述 | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 更新时间 | + +**创建语句** + +```sql +CREATE TABLE subscription_plans ( + plan_id BIGSERIAL PRIMARY KEY, + plan_code VARCHAR(50) NOT NULL UNIQUE, + plan_name VARCHAR(100) NOT NULL, + plan_type VARCHAR(20) NOT NULL, + price DECIMAL(10, 2) NOT NULL, + duration_days INTEGER NOT NULL, + features JSONB, + is_active BOOLEAN NOT NULL DEFAULT true, + sort_order INTEGER DEFAULT 0, + description TEXT, + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + CONSTRAINT check_plan_type CHECK (plan_type IN ('monthly', 'yearly', 'lifetime')), + CONSTRAINT check_price_positive CHECK (price >= 0), + CONSTRAINT check_duration_positive CHECK (duration_days > 0) +); + +-- 创建索引 +CREATE INDEX idx_subscription_plans_code ON subscription_plans(plan_code); +CREATE INDEX idx_subscription_plans_type ON subscription_plans(plan_type); +CREATE INDEX idx_subscription_plans_active ON subscription_plans(is_active); + +-- 添加注释 +COMMENT ON TABLE subscription_plans IS '订阅计划表，定义可购买的订阅套餐'; +COMMENT ON COLUMN subscription_plans.plan_code IS '计划代码，用于系统识别，如：annual_19'; +COMMENT ON COLUMN subscription_plans.features IS '包含的功能列表，JSON格式，如：["advanced_analytics", "export_data"]'; +``` + +**示例数据** + +```sql +-- 年付19元计划 +INSERT INTO subscription_plans (plan_code, plan_name, plan_type, price, duration_days, features, description) +VALUES ( + 'annual_19', + '年付会员', + 'yearly', + 19.00, + 365, + '["advanced_analytics", "export_data", "unlimited_accounts", "priority_support"]'::jsonb, + '年付19元，解锁高级功能' +); +``` + +--- + +### subscriptions 用户订阅表 + +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| subscription_id | BIGSERIAL | PRIMARY KEY | 订阅ID，自增 | +| user_id | BIGINT | NOT NULL, FOREIGN KEY | 用户ID，关联 users 表 | +| plan_id | BIGINT | NOT NULL, FOREIGN KEY | 订阅计划ID | +| status | VARCHAR(20) | NOT NULL, CHECK | 订阅状态：active/expired/cancelled | +| start_date | DATE | NOT NULL | 订阅开始日期 | +| end_date | DATE | NOT NULL | 订阅结束日期 | +| auto_renew | BOOLEAN | NOT NULL, DEFAULT false | 是否自动续费 | +| cancelled_at | TIMESTAMP | | 取消时间 | +| cancelled_reason | VARCHAR(255) | | 取消原因 | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 更新时间 | + +**创建语句** + +```sql +CREATE TABLE subscriptions ( + subscription_id BIGSERIAL PRIMARY KEY, + user_id BIGINT NOT NULL REFERENCES users(user_id) ON DELETE CASCADE, + plan_id BIGINT NOT NULL REFERENCES subscription_plans(plan_id), + status VARCHAR(20) NOT NULL DEFAULT 'active', + start_date DATE NOT NULL, + end_date DATE NOT NULL, + auto_renew BOOLEAN NOT NULL DEFAULT false, + cancelled_at TIMESTAMP, + cancelled_reason VARCHAR(255), + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + CONSTRAINT check_subscription_status CHECK (status IN ('active', 'expired', 'cancelled', 'pending')), + CONSTRAINT check_date_order CHECK (end_date >= start_date) +); + +-- 创建索引 +CREATE INDEX idx_subscriptions_user_id ON subscriptions(user_id); +CREATE INDEX idx_subscriptions_plan_id ON subscriptions(plan_id); +CREATE INDEX idx_subscriptions_status ON subscriptions(status); +CREATE INDEX idx_subscriptions_end_date ON subscriptions(end_date); +CREATE INDEX idx_subscriptions_user_status ON subscriptions(user_id, status); + +-- 创建触发器自动更新 updated_at +CREATE TRIGGER update_subscriptions_updated_at + BEFORE UPDATE ON subscriptions + FOR EACH ROW + EXECUTE FUNCTION update_updated_at_column(); + +-- 添加注释 +COMMENT ON TABLE subscriptions IS '用户订阅表，记录用户当前的订阅状态'; +COMMENT ON COLUMN subscriptions.status IS '订阅状态：active(活跃)/expired(已过期)/cancelled(已取消)/pending(待支付)'; +COMMENT ON COLUMN subscriptions.auto_renew IS '是否自动续费，true表示到期自动续费'; +``` + +--- + +### subscription_history 订阅历史记录表 + +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| history_id | BIGSERIAL | PRIMARY KEY | 历史记录ID | +| subscription_id | BIGINT | NOT NULL, FOREIGN KEY | 订阅ID | +| user_id | BIGINT | NOT NULL, FOREIGN KEY | 用户ID | +| plan_id | BIGINT | NOT NULL, FOREIGN KEY | 订阅计划ID | +| action | VARCHAR(20) | NOT NULL, CHECK | 操作类型：purchase/renew/cancel/expire | +| old_status | VARCHAR(20) | | 原状态 | +| new_status | VARCHAR(20) | | 新状态 | +| old_end_date | DATE | | 原结束日期 | +| new_end_date | DATE | | 新结束日期 | +| amount | DECIMAL(10, 2) | | 金额（如果是购买/续费） | +| payment_id | BIGINT | FOREIGN KEY | 关联的支付记录ID | +| notes | TEXT | | 备注 | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | + +**创建语句** + +```sql +CREATE TABLE subscription_history ( + history_id BIGSERIAL PRIMARY KEY, + subscription_id BIGINT NOT NULL REFERENCES subscriptions(subscription_id) ON DELETE CASCADE, + user_id BIGINT NOT NULL REFERENCES users(user_id) ON DELETE CASCADE, + plan_id BIGINT NOT NULL REFERENCES subscription_plans(plan_id), + action VARCHAR(20) NOT NULL, + old_status VARCHAR(20), + new_status VARCHAR(20), + old_end_date DATE, + new_end_date DATE, + amount DECIMAL(10, 2), + payment_id BIGINT REFERENCES payments(payment_id), + notes TEXT, + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + CONSTRAINT check_action_type CHECK (action IN ('purchase', 'renew', 'cancel', 'expire', 'upgrade', 'downgrade')) +); + +-- 创建索引 +CREATE INDEX idx_subscription_history_user_id ON subscription_history(user_id); +CREATE INDEX idx_subscription_history_subscription_id ON subscription_history(subscription_id); +CREATE INDEX idx_subscription_history_action ON subscription_history(action); +CREATE INDEX idx_subscription_history_created_at ON subscription_history(created_at); + +-- 添加注释 +COMMENT ON TABLE subscription_history IS '订阅历史记录表，记录所有订阅状态变更'; +COMMENT ON COLUMN subscription_history.action IS '操作类型：purchase(购买)/renew(续费)/cancel(取消)/expire(过期)/upgrade(升级)/downgrade(降级)'; +``` + +--- + +### payments 支付记录表 + +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| payment_id | BIGSERIAL | PRIMARY KEY | 支付ID，自增 | +| user_id | BIGINT | NOT NULL, FOREIGN KEY | 用户ID | +| subscription_id | BIGINT | FOREIGN KEY | 关联的订阅ID | +| plan_id | BIGINT | NOT NULL, FOREIGN KEY | 订阅计划ID | +| payment_method | VARCHAR(20) | NOT NULL, CHECK | 支付方式：wechat/alipay/apple/google | +| payment_channel | VARCHAR(50) | | 支付渠道（如：微信小程序、H5等） | +| transaction_id | VARCHAR(100) | UNIQUE | 第三方交易号 | +| order_no | VARCHAR(100) | NOT NULL, UNIQUE | 内部订单号 | +| amount | DECIMAL(10, 2) | NOT NULL | 支付金额 | +| currency | VARCHAR(10) | NOT NULL, DEFAULT 'CNY' | 货币类型 | +| status | VARCHAR(20) | NOT NULL, CHECK | 支付状态：pending/success/failed/refunded | +| paid_at | TIMESTAMP | | 支付完成时间 | +| refunded_at | TIMESTAMP | | 退款时间 | +| refund_amount | DECIMAL(10, 2) | | 退款金额 | +| refund_reason | VARCHAR(255) | | 退款原因 | +| metadata | JSONB | | 额外信息（如：微信支付回调数据） | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 更新时间 | + +**创建语句** + +```sql +CREATE TABLE payments ( + payment_id BIGSERIAL PRIMARY KEY, + user_id BIGINT NOT NULL REFERENCES users(user_id) ON DELETE CASCADE, + subscription_id BIGINT REFERENCES subscriptions(subscription_id), + plan_id BIGINT NOT NULL REFERENCES subscription_plans(plan_id), + payment_method VARCHAR(20) NOT NULL, + payment_channel VARCHAR(50), + transaction_id VARCHAR(100) UNIQUE, + order_no VARCHAR(100) NOT NULL UNIQUE, + amount DECIMAL(10, 2) NOT NULL, + currency VARCHAR(10) NOT NULL DEFAULT 'CNY', + status VARCHAR(20) NOT NULL DEFAULT 'pending', + paid_at TIMESTAMP, + refunded_at TIMESTAMP, + refund_amount DECIMAL(10, 2), + refund_reason VARCHAR(255), + metadata JSONB, + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + CONSTRAINT check_payment_method CHECK (payment_method IN ('wechat', 'alipay', 'apple', 'google', 'other')), + CONSTRAINT check_payment_status CHECK (status IN ('pending', 'success', 'failed', 'refunded', 'cancelled')), + CONSTRAINT check_amount_positive CHECK (amount > 0) +); + +-- 创建索引 +CREATE INDEX idx_payments_user_id ON payments(user_id); +CREATE INDEX idx_payments_subscription_id ON payments(subscription_id); +CREATE INDEX idx_payments_order_no ON payments(order_no); +CREATE INDEX idx_payments_transaction_id ON payments(transaction_id); +CREATE INDEX idx_payments_status ON payments(status); +CREATE INDEX idx_payments_created_at ON payments(created_at); + +-- 创建触发器自动更新 updated_at +CREATE TRIGGER update_payments_updated_at + BEFORE UPDATE ON payments + FOR EACH ROW + EXECUTE FUNCTION update_updated_at_column(); + +-- 添加注释 +COMMENT ON TABLE payments IS '支付记录表，记录所有支付交易'; +COMMENT ON COLUMN payments.order_no IS '内部订单号，系统生成，唯一'; +COMMENT ON COLUMN payments.transaction_id IS '第三方支付平台的交易号'; +COMMENT ON COLUMN payments.metadata IS '额外信息，JSON格式，存储支付回调数据等'; +``` + +--- + +### subscription_features 订阅功能权限表 + +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| feature_id | BIGSERIAL | PRIMARY KEY | 功能ID | +| feature_code | VARCHAR(50) | NOT NULL, UNIQUE | 功能代码 | +| feature_name | VARCHAR(100) | NOT NULL | 功能名称 | +| feature_type | VARCHAR(20) | NOT NULL, CHECK | 功能类型：basic/premium | +| description | TEXT | | 功能描述 | +| is_active | BOOLEAN | NOT NULL, DEFAULT true | 是否启用 | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 更新时间 | + +**创建语句** + +```sql +CREATE TABLE subscription_features ( + feature_id BIGSERIAL PRIMARY KEY, + feature_code VARCHAR(50) NOT NULL UNIQUE, + feature_name VARCHAR(100) NOT NULL, + feature_type VARCHAR(20) NOT NULL, + description TEXT, + is_active BOOLEAN NOT NULL DEFAULT true, + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + CONSTRAINT check_feature_type CHECK (feature_type IN ('basic', 'premium')) +); + +-- 创建索引 +CREATE INDEX idx_subscription_features_code ON subscription_features(feature_code); +CREATE INDEX idx_subscription_features_type ON subscription_features(feature_type); + +-- 添加注释 +COMMENT ON TABLE subscription_features IS '订阅功能权限表，定义所有可用的功能'; +COMMENT ON COLUMN subscription_features.feature_code IS '功能代码，用于系统识别，如：advanced_analytics'; +``` + +**示例数据** + +```sql +-- 基础功能（免费） +INSERT INTO subscription_features (feature_code, feature_name, feature_type, description) +VALUES + ('basic_records', '基础记录', 'basic', '记录持仓和交易'), + ('basic_stats', '基础统计', 'basic', '查看基础收益统计'); + +-- 高级功能（付费） +INSERT INTO subscription_features (feature_code, feature_name, feature_type, description) +VALUES + ('advanced_analytics', '高级分析', 'premium', '深度收益分析和图表'), + ('export_data', '数据导出', 'premium', '导出Excel/CSV数据'), + ('unlimited_accounts', '无限账户', 'premium', '支持多个券商账户'), + ('priority_support', '优先支持', 'premium', '优先客服支持'); +``` + +--- + +## 订阅系统业务流程 + +### 1. 用户购买订阅流程 + +```sql +-- 步骤1：创建支付记录 +INSERT INTO payments (user_id, plan_id, payment_method, order_no, amount, status) +VALUES (:user_id, :plan_id, 'wechat', :order_no, 19.00, 'pending'); + +-- 步骤2：支付成功后，创建订阅 +INSERT INTO subscriptions (user_id, plan_id, status, start_date, end_date) +VALUES ( + :user_id, + :plan_id, + 'active', + CURRENT_DATE, + CURRENT_DATE + INTERVAL '365 days' +); + +-- 步骤3：更新支付记录 +UPDATE payments +SET status = 'success', paid_at = CURRENT_TIMESTAMP, subscription_id = :subscription_id +WHERE payment_id = :payment_id; + +-- 步骤4：记录订阅历史 +INSERT INTO subscription_history ( + subscription_id, user_id, plan_id, action, + new_status, new_end_date, amount, payment_id +) +VALUES ( + :subscription_id, :user_id, :plan_id, 'purchase', + 'active', CURRENT_DATE + INTERVAL '365 days', 19.00, :payment_id +); +``` + +### 2. 检查用户功能权限 + +```sql +-- 查询用户是否有某个功能权限 +SELECT + CASE + WHEN s.status = 'active' AND s.end_date >= CURRENT_DATE THEN true + ELSE false + END as has_access, + sp.features +FROM subscriptions s +INNER JOIN subscription_plans sp ON s.plan_id = sp.plan_id +WHERE s.user_id = :user_id + AND s.status = 'active' + AND s.end_date >= CURRENT_DATE +ORDER BY s.end_date DESC +LIMIT 1; + +-- 或者检查特定功能 +SELECT + CASE + WHEN s.status = 'active' + AND s.end_date >= CURRENT_DATE + AND sp.features @> '["advanced_analytics"]'::jsonb + THEN true + ELSE false + END as has_advanced_analytics +FROM subscriptions s +INNER JOIN subscription_plans sp ON s.plan_id = sp.plan_id +WHERE s.user_id = :user_id +ORDER BY s.end_date DESC +LIMIT 1; +``` + +### 3. 订阅过期处理 + +```sql +-- 定时任务：检查并更新过期订阅 +UPDATE subscriptions +SET status = 'expired' +WHERE status = 'active' + AND end_date < CURRENT_DATE; + +-- 记录过期历史 +INSERT INTO subscription_history ( + subscription_id, user_id, plan_id, action, + old_status, new_status, old_end_date +) +SELECT + subscription_id, user_id, plan_id, 'expire', + 'active', 'expired', end_date +FROM subscriptions +WHERE status = 'expired' + AND end_date < CURRENT_DATE + AND NOT EXISTS ( + SELECT 1 FROM subscription_history + WHERE subscription_id = subscriptions.subscription_id + AND action = 'expire' + AND created_at::date = CURRENT_DATE + ); +``` + +### 4. 自动续费处理 + +```sql +-- 查询即将到期且开启自动续费的订阅 +SELECT s.*, sp.price, sp.plan_code +FROM subscriptions s +INNER JOIN subscription_plans sp ON s.plan_id = sp.plan_id +WHERE s.status = 'active' + AND s.auto_renew = true + AND s.end_date BETWEEN CURRENT_DATE AND CURRENT_DATE + INTERVAL '3 days'; + +-- 执行自动续费（创建新的支付记录和延长订阅） +BEGIN; + -- 创建支付记录 + INSERT INTO payments (user_id, plan_id, payment_method, order_no, amount, status) + VALUES (:user_id, :plan_id, 'auto_renew', :order_no, :price, 'pending'); + + -- 延长订阅 + UPDATE subscriptions + SET end_date = end_date + INTERVAL '365 days', + updated_at = CURRENT_TIMESTAMP + WHERE subscription_id = :subscription_id; + + -- 记录历史 + INSERT INTO subscription_history (...) + VALUES (...); +COMMIT; +``` + +--- + +## 注意事项 + +1. **数据一致性** + - 订阅状态变更时，必须同时更新 subscriptions 和 subscription_history + - 支付成功后才创建订阅，避免未支付就开通 + +2. **功能权限检查** + - 每次使用功能前都要检查订阅状态和功能权限 + - 可以缓存用户权限，但需要设置合理的过期时间 + +3. **订阅过期处理** + - 建议使用定时任务每日检查过期订阅 + - 过期后立即更新状态，避免用户继续使用付费功能 + +4. **自动续费** + - 需要在订阅到期前3-7天提醒用户 + - 自动续费失败时，需要通知用户并更新订阅状态 + +5. **退款处理** + - 退款时需要更新支付状态和订阅状态 + - 按比例计算退款金额（已使用天数） + +6. **数据安全** + - 支付相关数据需要加密存储 + - 交易号等敏感信息需要脱敏处理 + diff --git a/我编写的文档/投资记录-产品设计.md b/我编写的文档/投资记录-产品设计.md index 1e9e066..8762416 100644 --- a/我编写的文档/投资记录-产品设计.md +++ b/我编写的文档/投资记录-产品设计.md @@ -1,5 +1,6 @@ # 投资记录模块-产品设计 -## 核心设计思路 +## 一、核心设计思路 +### 1.1 持仓变更设计 1. 把所有的表更分为两种：`用户驱动（主动）` 和 `系统驱动（被动）` 2. 系统驱动包含：现金分红、送股、拆股、汇率变动等 3. 用户驱动包含：初始买入、追加买入、卖出； @@ -12,7 +13,10 @@ - 分红：收盘后获取每股分红金额，最新成本价=原成本价 - 分红，市场价逻辑保持不变（使用不复权的股价） - 送股、拆股等都变更最新的成本价和份额，并记录。 - +### 1.2 收益记录设计 +1. 使用基金净值法（时间加权收益率）来统计收益； +2. 每次主动和被动变更，重新计算总体的资产金额和份额，记录到 daily_snapshots 表。 +3. 忘记记录的情况：如果用户忘记记录当日交易，过一段时间后再来记录，需要删除期间的快照数据，并保留期间的交易数据。然后删除期间的快照数据，重新生成。 ## 想法 - 私密分享：可以将自己的交易计划和复盘，通过小程序私密分享-分享给其他人，这样即保障了裂变属性，有增加了隐私安全。 \ No newline at end of file diff --git a/我编写的文档/数据库设计.md b/我编写的文档/数据库设计.md new file mode 100644 index 0000000..bc2f9c7 --- /dev/null +++ b/我编写的文档/数据库设计.md @@ -0,0 +1,885 @@ +# 数据库设计文档 + +## 表结构总览 +数据库使用 PostgreSQL + +``` +用户相关 +├── users (用户表) + +持仓相关 +├── brokers (券商表) +├── positions (持仓表) +└── position_price_plans (持仓价格目标表) +``` + +## 用户相关表 +### users 用户表 + +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| user_id | BIGSERIAL | PRIMARY KEY | 用户ID，自增 | +| open_id | VARCHAR(100) | UNIQUE | 微信体系的 openId（小程序/公众号） | +| union_id | VARCHAR(100) | UNIQUE | 微信体系的 unionId（跨应用统一标识） | +| username | VARCHAR(100) | UNIQUE | 用户名（可选，用于账号密码登录） | +| email | VARCHAR(100) | UNIQUE | 邮箱（可选，用于邮箱登录） | +| phone | VARCHAR(20) | UNIQUE | 电话号码（可选，用于手机号登录） | +| nickname | VARCHAR(100) | | 用户昵称（显示名称） | +| avatar_url | VARCHAR(255) | | 头像URL | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 修改时间（自动更新） | +| last_login_at | TIMESTAMP | | 最后登录时间 | +| status | VARCHAR(20) | NOT NULL, DEFAULT 'active', CHECK | 状态：active/inactive/deleted | + +**创建语句** + +```sql +CREATE TABLE users ( + user_id BIGSERIAL PRIMARY KEY, + open_id VARCHAR(100) UNIQUE, + union_id VARCHAR(100) UNIQUE, + username VARCHAR(100) UNIQUE, + email VARCHAR(100) UNIQUE, + phone VARCHAR(20) UNIQUE, + nickname VARCHAR(100), + avatar_url VARCHAR(255), + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + last_login_at TIMESTAMP, + status VARCHAR(20) NOT NULL DEFAULT 'active', + -- 约束：至少要有一种登录方式 + CONSTRAINT check_login_method CHECK ( + open_id IS NOT NULL OR + username IS NOT NULL OR + email IS NOT NULL OR + phone IS NOT NULL + ), + -- 约束：状态值限制 + CONSTRAINT check_status CHECK (status IN ('active', 'inactive', 'deleted')) +); + +-- 创建索引 +CREATE INDEX idx_users_open_id ON users(open_id); +CREATE INDEX idx_users_union_id ON users(union_id); +CREATE INDEX idx_users_username ON users(username); +CREATE INDEX idx_users_email ON users(email); +CREATE INDEX idx_users_phone ON users(phone); +CREATE INDEX idx_users_status ON users(status); +CREATE INDEX idx_users_last_login_at ON users(last_login_at); + +-- 创建自动更新 updated_at 的触发器 +CREATE OR REPLACE FUNCTION update_updated_at_column() +RETURNS TRIGGER AS $$ +BEGIN + NEW.updated_at = CURRENT_TIMESTAMP; + RETURN NEW; +END; +$$ language 'plpgsql'; + +CREATE TRIGGER update_users_updated_at + BEFORE UPDATE ON users + FOR EACH ROW + EXECUTE FUNCTION update_updated_at_column(); + +-- 添加注释 +COMMENT ON TABLE users IS '用户表，支持微信登录和账号密码登录'; +COMMENT ON COLUMN users.user_id IS '用户ID，主键，自增'; +COMMENT ON COLUMN users.open_id IS '微信 openId，用于小程序/公众号登录，唯一'; +COMMENT ON COLUMN users.union_id IS '微信 unionId，用于跨应用统一标识，唯一'; +COMMENT ON COLUMN users.username IS '用户名，用于账号密码登录，唯一，可选'; +COMMENT ON COLUMN users.email IS '邮箱，用于邮箱登录，唯一，可选'; +COMMENT ON COLUMN users.phone IS '手机号，用于手机号登录，唯一，可选'; +COMMENT ON COLUMN users.nickname IS '用户昵称，显示名称'; +COMMENT ON COLUMN users.avatar_url IS '头像URL'; +COMMENT ON COLUMN users.status IS '用户状态：active(活跃)/inactive(非活跃)/deleted(已删除)'; +COMMENT ON COLUMN users.created_at IS '创建时间，自动设置'; +COMMENT ON COLUMN users.updated_at IS '更新时间，自动更新'; +COMMENT ON COLUMN users.last_login_at IS '最后登录时间'; +``` + + +### daily_snapshots 表设计 +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| id | BIGSERIAL | PRIMARY KEY | 快照ID，自增 | +| user_id | BIGINT | NOT NULL, FOREIGN KEY | 用户ID，关联 users 表 | +| date | DATE | NOT NULL | 快照日期 | +| total_asset | DECIMAL(18, 2) | NOT NULL | 总资产（所有持仓市值 + 现金余额） | +| total_invested | DECIMAL(18, 2) | NOT NULL | 累计投入金额（所有投入的资金总和） | +| time_weighted_return | DECIMAL(10, 6) | NOT NULL | 时间加权收益率（累计收益率） | +| annualized_return | DECIMAL(10, 6) | | 年化收益率 | +| year_to_date_return | DECIMAL(10, 6) | | 当年收益率（年初至今） | +| positions_data | JSONB | | 持仓明细快照（JSON格式，可选） | +| cash_data | JSONB | | 现金账户明细快照（JSON格式，可选） | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| UNIQUE(user_id, date) | | | 同一用户同一日期只能有一条快照 | + +**创建语句** + +```sql +CREATE TABLE daily_snapshots ( + id BIGSERIAL PRIMARY KEY, + user_id BIGINT NOT NULL REFERENCES users(user_id) ON DELETE CASCADE, + date DATE NOT NULL, + total_asset DECIMAL(18, 2) NOT NULL, + total_invested DECIMAL(18, 2) NOT NULL, + time_weighted_return DECIMAL(10, 6) NOT NULL DEFAULT 0, + annualized_return DECIMAL(10, 6), + year_to_date_return DECIMAL(10, 6), + positions_data JSONB, + cash_data JSONB, + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + UNIQUE(user_id, date) +); + +-- 创建索引 +CREATE INDEX idx_daily_snapshots_user_id ON daily_snapshots(user_id); +CREATE INDEX idx_daily_snapshots_date ON daily_snapshots(date); +CREATE INDEX idx_daily_snapshots_user_date ON daily_snapshots(user_id, date DESC); + +-- 添加注释 +COMMENT ON TABLE daily_snapshots IS '每日资产快照表，用于基金净值法计算收益率'; +COMMENT ON COLUMN daily_snapshots.total_asset IS '总资产：所有持仓市值 + 现金余额'; +COMMENT ON COLUMN daily_snapshots.total_invested IS '累计投入金额：所有投入的资金总和'; +COMMENT ON COLUMN daily_snapshots.time_weighted_return IS '时间加权收益率（累计收益率）'; +COMMENT ON COLUMN daily_snapshots.positions_data IS '持仓明细快照，JSON格式存储'; +COMMENT ON COLUMN daily_snapshots.cash_data IS '现金账户明细快照，JSON格式存储'; +``` + +#### 基础字段计算 + +**total_asset（总资产）** +``` +total_asset = Σ(持仓市值) + 现金余额 + +其中： +- 持仓市值 = 持仓份额 × 当前价格 +- 现金余额 = 所有现金账户余额之和 +``` + +**total_invested（累计投入金额）** +``` +total_invested = 初始投入 + 后续投入 - 提取金额 + +说明： +- 初始投入：账户创建时的初始资金 +- 后续投入：用户手动记录的资金投入 +- 提取金额：用户提取的资金（提现等） +- 注意：买入股票的资金不算"投入"，因为只是资产形式转换 +``` + +#### 净值计算（不存储，查询时计算） + +**net_value（单位净值）** +```sql +-- 查询时计算 +net_value = total_asset / NULLIF(total_invested, 0) + +-- 示例 SQL +SELECT + date, + total_asset, + total_invested, + total_asset / NULLIF(total_invested, 0) as net_value +FROM daily_snapshots +WHERE user_id = :user_id +ORDER BY date; +``` + +**total_profit（总收益）** +```sql +-- 查询时计算 +total_profit = total_asset - total_invested + +-- 示例 SQL +SELECT + date, + total_asset, + total_invested, + total_asset - total_invested as total_profit +FROM daily_snapshots +WHERE user_id = :user_id +ORDER BY date; +``` + +#### 收益率计算 + +**time_weighted_return（时间加权收益率）** + +基于基金净值法，通过相邻日期的净值变化计算： + +```sql +-- 计算逻辑 +-- 1. 计算每日净值 +net_value_today = total_asset_today / total_invested_today +net_value_yesterday = total_asset_yesterday / total_invested_yesterday + +-- 2. 计算日收益率 +daily_return = (net_value_today - net_value_yesterday) / net_value_yesterday + +-- 3. 累计收益率（复利） +time_weighted_return = (1 + r1) × (1 + r2) × ... × (1 + rn) - 1 + +-- 实际存储时，存储累计收益率 +``` + +**annualized_return（年化收益率）** + +```sql +-- 计算逻辑 +annualized_return = (1 + time_weighted_return)^(365 / 投资天数) - 1 + +-- 投资天数 = 当前日期 - 首次投入日期 +``` + +**year_to_date_return（当年收益率）** + +```sql +-- 计算逻辑 +-- 1. 获取年初快照 +year_start_snapshot = SELECT * FROM daily_snapshots + WHERE user_id = :user_id + AND date = DATE_TRUNC('year', CURRENT_DATE) + +-- 2. 计算当年收益率 +year_to_date_return = (current_net_value - year_start_net_value) / year_start_net_value + +-- 如果没有年初快照，使用年初第一个快照 +``` + +#### 快照数据生成规则 + +**positions_data（持仓明细快照）** + +```json +[ + { + "position_id": 1, + "symbol": "600519", + "name": "贵州茅台", + "shares": 100, + "cost_price": 1600.00, + "current_price": 1850.00, + "market_value": 185000.00, + "profit": 25000.00 + }, + { + "position_id": 2, + "symbol": "00700", + "name": "腾讯控股", + "shares": 200, + "cost_price": 320.00, + "current_price": 300.00, + "market_value": 60000.00, + "profit": -4000.00 + } +] +``` + +**cash_data（现金账户明细快照）** + +```json +[ + { + "account_id": 1, + "currency": "CNY", + "balance": 50000.00 + }, + { + "account_id": 2, + "currency": "USD", + "balance": 1000.00, + "exchange_rate": 7.2, + "balance_cny": 7200.00 + } +] +``` + +#### 每日快照生成流程 + +```sql +-- 伪代码流程 +1. 获取用户所有持仓 + SELECT * FROM positions WHERE user_id = :user_id AND status = 'active' + +2. 获取用户所有现金账户 + SELECT * FROM cash_accounts WHERE account_id IN (用户账户列表) + +3. 计算总资产 + total_asset = Σ(持仓市值) + Σ(现金余额) + +4. 计算累计投入（从资金变动记录表获取） + total_invested = SELECT SUM(amount) FROM cash_flows + WHERE user_id = :user_id AND flow_type = 'deposit' + - SELECT SUM(amount) FROM cash_flows + WHERE user_id = :user_id AND flow_type = 'withdraw' + +5. 计算时间加权收益率 + - 获取昨日快照 + - 计算净值变化 + - 更新累计收益率 + +6. 计算年化收益率和当年收益率 + +7. 生成持仓和现金明细快照（JSON格式） + +8. 插入或更新快照记录 + INSERT INTO daily_snapshots (...) + ON CONFLICT (user_id, date) DO UPDATE SET ... +``` + +#### 时间加权收益率更新逻辑 + +```sql +-- 获取昨日快照 +WITH yesterday_snapshot AS ( + SELECT * FROM daily_snapshots + WHERE user_id = :user_id + AND date = CURRENT_DATE - INTERVAL '1 day' +), +today_data AS ( + SELECT + :total_asset as total_asset, + :total_invested as total_invested +) +-- 计算今日净值 +SELECT + (today_data.total_asset / NULLIF(today_data.total_invested, 0)) as today_net_value, + (yesterday_snapshot.total_asset / NULLIF(yesterday_snapshot.total_invested, 0)) as yesterday_net_value +FROM today_data, yesterday_snapshot; + +-- 计算日收益率 +daily_return = (today_net_value - yesterday_net_value) / yesterday_net_value + +-- 更新累计收益率 +new_time_weighted_return = (1 + yesterday_snapshot.time_weighted_return) × (1 + daily_return) - 1 +``` + + +#### 查询用户净值曲线 + +```sql +SELECT + date, + total_asset, + total_invested, + total_asset / NULLIF(total_invested, 0) as net_value, + total_asset - total_invested as total_profit, + time_weighted_return, + annualized_return +FROM daily_snapshots +WHERE user_id = :user_id +ORDER BY date DESC +LIMIT 365; -- 最近一年 +``` + +#### 查询收益率统计 + +```sql +SELECT + date, + time_weighted_return * 100 as return_rate_percent, + annualized_return * 100 as annualized_return_percent, + year_to_date_return * 100 as ytd_return_percent +FROM daily_snapshots +WHERE user_id = :user_id +ORDER BY date DESC +LIMIT 30; -- 最近30天 +``` + +#### 查询持仓明细历史 + +```sql +SELECT + date, + positions_data +FROM daily_snapshots +WHERE user_id = :user_id + AND positions_data IS NOT NULL +ORDER BY date DESC +LIMIT 10; +``` + +#### 注意事项 + +1. **数据一致性** + - `total_invested` 必须大于 0，否则净值计算会出错 + - 使用 `NULLIF(total_invested, 0)` 避免除零错误 + +2. **性能优化** + - 每日快照在收盘后批量生成（如 18:00） + - 使用索引加速查询（user_id, date） + - positions_data 和 cash_data 使用 JSONB 类型，支持高效查询 + +3. **数据完整性** + - 确保每日都有快照（即使没有交易） + - 如果某日没有快照，使用最近一次快照的数据 + +4. **净值计算** + - 净值不存储，查询时计算，保证数据一致性 + - 总收益也不存储，查询时计算 + +5. **收益率计算** + - 时间加权收益率需要每日更新 + - 年化收益率需要定期重新计算（因为投资天数在变化） + - 当年收益率需要每年重置计算基准 + +--- + +## 持仓相关表设计 + +### brokers 券商表 + +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| broker_id | BIGSERIAL | PRIMARY KEY | 券商ID，自增 | +| broker_code | VARCHAR(50) | NOT NULL | 券商代码（如：HTZQ、ZSZQ等） | +| broker_name | VARCHAR(100) | NOT NULL | 券商名称（如：华泰证券、招商证券等） | +| region | VARCHAR(50) | NOT NULL, DEFAULT 'CN' | 地区/国家（如：CN/US/HK等） | +| sort_order | INTEGER | DEFAULT 0 | 排序顺序 | +| is_active | BOOLEAN | NOT NULL, DEFAULT true | 是否启用 | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 更新时间 | +| UNIQUE(broker_code, region) | | | 同一地区券商代码唯一 | +| UNIQUE(broker_name, region) | | | 同一地区券商名称唯一 | + +**创建语句** + +```sql +CREATE TABLE brokers ( + broker_id BIGSERIAL PRIMARY KEY, + broker_code VARCHAR(50) NOT NULL, + broker_name VARCHAR(100) NOT NULL, + region VARCHAR(50) NOT NULL DEFAULT 'CN', + sort_order INTEGER DEFAULT 0, + is_active BOOLEAN NOT NULL DEFAULT true, + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + -- 同一地区券商代码唯一（不同地区可以有相同代码） + UNIQUE(broker_code, region), + -- 同一地区券商名称唯一（不同地区可以有相同名称） + UNIQUE(broker_name, region), + CONSTRAINT check_region CHECK (region IN ('CN', 'US', 'HK', 'SG', 'JP', 'UK', 'AU', 'CA', 'OTHER')) +); + +-- 创建索引 +CREATE INDEX idx_brokers_code ON brokers(broker_code); +CREATE INDEX idx_brokers_name ON brokers(broker_name); +CREATE INDEX idx_brokers_region ON brokers(region); +CREATE INDEX idx_brokers_active ON brokers(is_active); +CREATE INDEX idx_brokers_sort ON brokers(sort_order); +CREATE INDEX idx_brokers_region_active ON brokers(region, is_active); + +-- 创建触发器自动更新 updated_at +CREATE TRIGGER update_brokers_updated_at + BEFORE UPDATE ON brokers + FOR EACH ROW + EXECUTE FUNCTION update_updated_at_column(); + +-- 添加注释 +COMMENT ON TABLE brokers IS '券商表，记录所有可用的券商信息'; +COMMENT ON COLUMN brokers.broker_code IS '券商代码，用于系统识别，如：HTZQ（华泰证券）'; +COMMENT ON COLUMN brokers.broker_name IS '券商名称，显示给用户的名称，如：华泰证券'; +COMMENT ON COLUMN brokers.region IS '地区/国家代码：CN(中国)/US(美国)/HK(香港)/SG(新加坡)/JP(日本)/UK(英国)/AU(澳大利亚)/CA(加拿大)/OTHER(其他)'; +``` + +**示例数据** + +```sql +-- 中国券商 +INSERT INTO brokers (broker_code, broker_name, region, sort_order) VALUES + ('HTZQ', '华泰证券', 'CN', 1), + ('ZSZQ', '招商证券', 'CN', 2), + ('ZXZQ', '中信证券', 'CN', 3), + ('GJZQ', '国金证券', 'CN', 4), + ('DFZQ', '东方证券', 'CN', 5), + ('GTZQ', '国泰君安', 'CN', 6), + ('HXZQ', '华西证券', 'CN', 7), + ('ZJZQ', '中金公司', 'CN', 8), + ('PZQ', '平安证券', 'CN', 9), + ('GFZQ', '广发证券', 'CN', 10); + +-- 美国券商 +INSERT INTO brokers (broker_code, broker_name, region, sort_order) VALUES + ('SCHW', 'Charles Schwab', 'US', 1), + ('FID', 'Fidelity', 'US', 2), + ('IB', 'Interactive Brokers', 'US', 3), + ('TD', 'TD Ameritrade', 'US', 4), + ('ETRADE', 'E*TRADE', 'US', 5); + +-- 香港券商 +INSERT INTO brokers (broker_code, broker_name, region, sort_order) VALUES + ('FUTU', '富途证券', 'HK', 1), + ('TIGER', '老虎证券', 'HK', 2), + ('HSBC', '汇丰银行', 'HK', 3), + ('CITI', '花旗银行', 'HK', 4); + +-- 其他地区券商示例 +INSERT INTO brokers (broker_code, broker_name, region, sort_order) VALUES + ('DBS', '星展银行', 'SG', 1), + ('NOMURA', '野村证券', 'JP', 1); +``` + +--- + +### positions 持仓表 +记录用户持仓情况，包含数量、成本价、最新市场价、券商等 +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| position_id | BIGSERIAL | PRIMARY KEY | 持仓ID，自增 | +| user_id | BIGINT | NOT NULL, FOREIGN KEY | 用户ID，关联 users 表 | +| broker_id | BIGINT | NOT NULL, FOREIGN KEY | 券商ID，关联 brokers 表 | +| asset_type | VARCHAR(20) | NOT NULL, CHECK | 资产类型：stock/fund/cash/bond | +| symbol | VARCHAR(50) | NOT NULL | 资产代码（股票代码、基金代码等） | +| name | VARCHAR(100) | NOT NULL | 资产名称 | +| market | VARCHAR(20) | | 市场（A股/港股/美股等） | +| shares | DECIMAL(18, 4) | NOT NULL, DEFAULT 0 | 持仓份额/数量 | +| cost_price | DECIMAL(18, 4) | NOT NULL | 成本价（每股/每份） | +| current_price | DECIMAL(18, 4) | | 最新市场价（系统自动更新） | +| currency | VARCHAR(10) | NOT NULL, DEFAULT 'CNY' | 货币类型 | +| exchange_rate | DECIMAL(10, 6) | DEFAULT 1 | 汇率（用于多货币） | +| status | VARCHAR(20) | NOT NULL, DEFAULT 'active', CHECK | 状态：active/suspended/delisted | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 更新时间 | + +**创建语句** + +```sql +CREATE TABLE positions ( + position_id BIGSERIAL PRIMARY KEY, + user_id BIGINT NOT NULL REFERENCES users(user_id) ON DELETE CASCADE, + broker_id BIGINT NOT NULL REFERENCES brokers(broker_id), + asset_type VARCHAR(20) NOT NULL, + symbol VARCHAR(50) NOT NULL, + name VARCHAR(100) NOT NULL, + market VARCHAR(20), + shares DECIMAL(18, 4) NOT NULL DEFAULT 0, + cost_price DECIMAL(18, 4) NOT NULL, + current_price DECIMAL(18, 4), + currency VARCHAR(10) NOT NULL DEFAULT 'CNY', + exchange_rate DECIMAL(10, 6) DEFAULT 1, + status VARCHAR(20) NOT NULL DEFAULT 'active', + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + CONSTRAINT check_asset_type CHECK (asset_type IN ('stock', 'fund', 'cash', 'bond', 'other')), + CONSTRAINT check_status CHECK (status IN ('active', 'suspended', 'delisted')), + CONSTRAINT check_shares_non_negative CHECK (shares >= 0), + CONSTRAINT check_cost_price_positive CHECK (cost_price > 0), + -- 同一用户同一券商同一资产只能有一条持仓（通过 user_id + broker_id + symbol + market + asset_type 唯一） + UNIQUE(user_id, broker_id, symbol, market, asset_type) +); + +-- 创建索引 +CREATE INDEX idx_positions_user_id ON positions(user_id); +CREATE INDEX idx_positions_broker_id ON positions(broker_id); +CREATE INDEX idx_positions_symbol ON positions(symbol); +CREATE INDEX idx_positions_asset_type ON positions(asset_type); +CREATE INDEX idx_positions_status ON positions(status); +CREATE INDEX idx_positions_user_status ON positions(user_id, status); +CREATE INDEX idx_positions_user_broker ON positions(user_id, broker_id); +CREATE INDEX idx_positions_updated_at ON positions(updated_at); + +-- 创建触发器自动更新 updated_at +CREATE TRIGGER update_positions_updated_at + BEFORE UPDATE ON positions + FOR EACH ROW + EXECUTE FUNCTION update_updated_at_column(); + +-- 添加注释 +COMMENT ON TABLE positions IS '持仓表，记录用户的资产持仓'; +COMMENT ON COLUMN positions.broker_id IS '券商ID，关联 brokers 表，支持多券商'; +COMMENT ON COLUMN positions.asset_type IS '资产类型：stock(股票)/fund(基金)/cash(现金)/bond(国债)/other(其他)'; +COMMENT ON COLUMN positions.symbol IS '资产代码，如股票代码600519、基金代码等'; +COMMENT ON COLUMN positions.shares IS '持仓份额/数量，股票为股数，基金为份数，现金为金额'; +COMMENT ON COLUMN positions.cost_price IS '成本价，用户直接修改，系统不自动计算'; +COMMENT ON COLUMN positions.current_price IS '最新市场价，系统每日自动更新'; +COMMENT ON COLUMN positions.exchange_rate IS '汇率，用于多货币资产，如港股、美股'; +``` + +--- + +### position_price_plans 持仓价格计划表 + +**表结构** + +| 字段名 | 数据类型 | 约束 | 说明 | +|--------|---------|------|------| +| plan_id | BIGSERIAL | PRIMARY KEY | 计划ID，自增 | +| position_id | BIGINT | NOT NULL, FOREIGN KEY | 持仓ID，关联 positions 表 | +| action_type | VARCHAR(20) | NOT NULL, CHECK | 操作类型：buy/sell | +| plan_price | DECIMAL(18, 4) | NOT NULL | 计划价格 | +| plan_shares | DECIMAL(18, 4) | | 计划份额（可选） | +| plan_amount | DECIMAL(18, 2) | | 计划金额（可选，与份额二选一） | +| step_order | INTEGER | NOT NULL, DEFAULT 1 | 步骤顺序（1, 2, 3...） | +| is_completed | BOOLEAN | NOT NULL, DEFAULT false | 是否已完成 | +| completed_at | TIMESTAMP | | 完成时间 | +| notes | TEXT | | 备注 | +| created_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 创建时间 | +| updated_at | TIMESTAMP | NOT NULL, DEFAULT CURRENT_TIMESTAMP | 更新时间 | + +**创建语句** + +```sql +CREATE TABLE position_price_plans ( + plan_id BIGSERIAL PRIMARY KEY, + position_id BIGINT NOT NULL REFERENCES positions(position_id) ON DELETE CASCADE, + action_type VARCHAR(20) NOT NULL, + plan_price DECIMAL(18, 4) NOT NULL, + plan_shares DECIMAL(18, 4), + plan_amount DECIMAL(18, 2), + step_order INTEGER NOT NULL DEFAULT 1, + is_completed BOOLEAN NOT NULL DEFAULT false, + completed_at TIMESTAMP, + notes TEXT, + created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP, + CONSTRAINT check_action_type CHECK (action_type IN ('buy', 'sell')), + CONSTRAINT check_plan_price_positive CHECK (plan_price > 0), + CONSTRAINT check_step_order_positive CHECK (step_order > 0), + -- 同一持仓同一操作类型同一顺序只能有一个计划 + UNIQUE(position_id, action_type, step_order) +); + +-- 创建索引 +CREATE INDEX idx_position_price_plans_position_id ON position_price_plans(position_id); +CREATE INDEX idx_position_price_plans_action_type ON position_price_plans(action_type); +CREATE INDEX idx_position_price_plans_completed ON position_price_plans(is_completed); +CREATE INDEX idx_position_price_plans_position_action ON position_price_plans(position_id, action_type, step_order); + +-- 创建触发器自动更新 updated_at +CREATE TRIGGER update_position_price_plans_updated_at + BEFORE UPDATE ON position_price_plans + FOR EACH ROW + EXECUTE FUNCTION update_updated_at_column(); + +-- 添加注释 +COMMENT ON TABLE position_price_plans IS '持仓价格计划表，记录买入和卖出计划价格'; +COMMENT ON COLUMN position_price_plans.plan_id IS '计划ID，主键，自增'; +COMMENT ON COLUMN position_price_plans.action_type IS '操作类型：buy(买入)/sell(卖出)'; +COMMENT ON COLUMN position_price_plans.plan_price IS '计划价格，当市场价格达到此价格时触发提醒'; +COMMENT ON COLUMN position_price_plans.plan_shares IS '计划份额，计划买入/卖出的数量'; +COMMENT ON COLUMN position_price_plans.plan_amount IS '计划金额，计划买入/卖出的金额（与份额二选一）'; +COMMENT ON COLUMN position_price_plans.step_order IS '步骤顺序，默认3个买点和3个卖点（1, 2, 3）'; +``` + +--- + +## 持仓表使用说明 + +### 1. 资产类型说明 + +**stock（股票）** +- symbol: 股票代码（如：600519） +- market: 市场（A股/港股/美股） +- shares: 股数 +- cost_price: 每股成本价 + +**fund（基金）** +- symbol: 基金代码 +- market: 市场（如：场内/场外） +- shares: 基金份数 +- cost_price: 每份成本价 + +**cash（现金）** +- symbol: 可自定义（如：CASH_CNY） +- name: 现金账户名称 +- shares: 现金余额（金额） +- cost_price: 固定为1（现金无成本价概念） + +**bond（国债）** +- symbol: 债券代码 +- market: 市场 +- shares: 债券数量 +- cost_price: 每张成本价 + +### 2. 价格计划使用示例 + +**创建买入计划（3个买点）** +```sql +-- 为持仓创建3个买入计划 +INSERT INTO position_price_plans (position_id, action_type, plan_price, plan_shares, step_order) +VALUES + (1, 'buy', 100.00, 100, 1), -- 第一个买点：100元买入100股 + (1, 'buy', 95.00, 100, 2), -- 第二个买点：95元买入100股 + (1, 'buy', 90.00, 100, 3); -- 第三个买点：90元买入100股 +``` + +**创建卖出计划（3个卖点）** +```sql +-- 为持仓创建3个卖出计划 +INSERT INTO position_price_plans (position_id, action_type, plan_price, plan_shares, step_order) +VALUES + (1, 'sell', 120.00, 50, 1), -- 第一个卖点：120元卖出50股 + (1, 'sell', 130.00, 50, 2), -- 第二个卖点：130元卖出50股 + (1, 'sell', 150.00, 50, 3); -- 第三个卖点：150元卖出50股 +``` + +**查询持仓及其价格计划** +```sql +-- 查询持仓及其所有价格计划（包含券商信息） +SELECT + p.position_id, + b.broker_name, + p.name, + p.shares, + p.cost_price, + p.current_price, + t.action_type, + t.plan_price, + t.plan_shares, + t.step_order, + t.is_completed +FROM positions p +INNER JOIN brokers b ON p.broker_id = b.broker_id +LEFT JOIN position_price_plans t ON p.position_id = t.position_id +WHERE p.user_id = :user_id + AND p.status = 'active' +ORDER BY b.sort_order, b.broker_name, p.position_id, t.action_type, t.step_order; + +-- 按券商汇总查询持仓 +SELECT + b.broker_name, + COUNT(*) as position_count, + SUM(p.shares * p.current_price) as total_value +FROM positions p +INNER JOIN brokers b ON p.broker_id = b.broker_id +WHERE p.user_id = :user_id + AND p.status = 'active' +GROUP BY b.broker_id, b.broker_name +ORDER BY b.sort_order; +``` + +**查询可用券商列表** +```sql +-- 查询所有启用的券商（用于下拉选择） +SELECT + broker_id, + broker_code, + broker_name, + region +FROM brokers +WHERE is_active = true +ORDER BY region, sort_order, broker_name; + +-- 按地区查询券商 +SELECT + broker_id, + broker_code, + broker_name, + region +FROM brokers +WHERE is_active = true + AND region = 'CN' -- 查询中国券商 +ORDER BY sort_order, broker_name; + +-- 查询所有地区列表 +SELECT DISTINCT region +FROM brokers +WHERE is_active = true +ORDER BY region; +``` + +**检查价格计划是否触发** +```sql +-- 查询已达到计划价格但未完成的买入计划 +SELECT + p.position_id, + p.name, + p.current_price, + t.plan_price, + t.plan_shares, + t.step_order +FROM positions p +INNER JOIN position_price_plans t ON p.position_id = t.position_id +WHERE p.user_id = :user_id + AND t.action_type = 'buy' + AND t.is_completed = false + AND p.current_price <= t.plan_price + AND p.status = 'active'; + +-- 查询已达到计划价格但未完成的卖出计划 +SELECT + p.position_id, + p.name, + p.current_price, + t.plan_price, + t.plan_shares, + t.step_order +FROM positions p +INNER JOIN position_price_plans t ON p.position_id = t.position_id +WHERE p.user_id = :user_id + AND t.action_type = 'sell' + AND t.is_completed = false + AND p.current_price >= t.plan_price + AND p.status = 'active'; +``` + +### 3. 持仓更新流程 + +**用户修改持仓（主动变更）** +```sql +-- 用户直接修改成本价和份数 +UPDATE positions +SET + cost_price = :new_cost_price, + shares = :new_shares, + notes = :notes, + updated_at = CURRENT_TIMESTAMP +WHERE position_id = :position_id + AND user_id = :user_id; + +-- 记录持仓变更历史（需要在 position_changes 表中记录） +``` + +**系统更新市场价格（被动变更）** +```sql +-- 每日收盘后自动更新市场价格 +UPDATE positions +SET + current_price = :market_price, + updated_at = CURRENT_TIMESTAMP +WHERE status = 'active' + AND asset_type IN ('stock', 'fund', 'bond'); +``` + +### 4. 注意事项 + +1. **唯一性约束** + - 同一用户同一券商同一资产（user_id + broker_id + symbol + market + asset_type）只能有一条持仓 + - 支持用户在不同券商持有同一资产（如：华泰证券持有茅台、招商证券也持有茅台） + - 避免同一券商重复持仓 + +2. **券商管理** + - 通过 brokers 表统一管理券商信息 + - 用户添加持仓时从券商列表中选择，保证数据一致性 + - 支持自定义券商（可以添加用户自定义券商） + - 通过 sort_order 控制券商显示顺序 + +2. **价格计划管理** + - 默认支持3个买点和3个卖点 + - 可以通过 step_order 扩展更多计划 + - 完成后的计划可以保留作为历史记录 + +3. **现金资产处理** + - 现金的 cost_price 固定为1 + - shares 字段存储现金余额 + - current_price 也为1（现金无价格波动） + +4. **多货币支持** + - 通过 exchange_rate 字段处理汇率 + - 计算总资产时需要统一货币单位 + +5. **价格计划提醒** + - 需要定时任务检查价格计划 + - 当 current_price 达到 plan_price 时发送提醒 + - 买入：current_price <= plan_price + - 卖出：current_price >= plan_price +