feat: 数据库设计

我编写的文档/付费订阅数据库设计.md

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+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
+

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。

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
+