{
"scenario": "风险评估",
"testCases": [
{
"caseId": "RA_001",
"description": "新手用户，保守偏好，短期保本",
"input": {
"userType": "新手",
"riskPreference": "保守",
"investmentHorizon": "短期",
"goal": "保本",
"age": 25,
"income": 50000
},
"expectedOutput": {
"riskScore": 20,
"riskLevel": "保守型",
"recommendation": {
"products": ["货币基金", "国债"],
"courses": ["新手入门", "基金基础"]
}
},
"externalData": {
"marketConditions": "稳定",
"interestRate": 0.02
},
"collectedData": {
"pageViews": ["风险评估页面", "新手入门课程页面"],
"timeOnSite": 60
},
"businessData": {
"courseDifficulty": "入门",
"productRiskLevel": "低"
}
},
{
"caseId": "RA_002",
"description": "进阶用户，激进偏好，长期高收益",
"input": {
"userType": "进阶",
"riskPreference": "激进",
"investmentHorizon": "长期",
"goal": "高收益",
"age": 35,
"income": 150000
},
"expectedOutput": {
"riskScore": 80,
"riskLevel": "激进型",
"recommendation": {
"products": ["股票", "期权"],
"courses": ["高级技术分析", "量化交易"]
}
},
"externalData": {
"marketConditions": "波动",
"volatility": 0.15
},
"collectedData": {
"pageViews": ["技术分析页面", "期权交易页面"],
"timeOnSite": 180
},
"businessData": {
"courseDifficulty": "高级",
"productRiskLevel": "高"
}
}
]
}
{
"scenario": "模拟交易",
"testCases": [
{
"caseId": "ST_001",
"description": "正常交易，设置止损止盈",
"input": {
"userType": "进阶",
"stockCode": "AAPL",
"action": "买入",
"quantity": 100,
"price": 150,
"stopLoss": 140,
"takeProfit": 160
},
"expectedOutput": {
"status": "成功",
"message": "交易成功",
"profitLoss": 0,
"riskWarnings": []
},
"externalData": {
"stockPrice": 150,
"marketVolatility": 0.05
},
"collectedData": {
"tradeFrequency": "中",
"averageHoldingTime": "短"
},
"businessData": {
"feeRate": 0.001,
"minFee": 5
}
},
{
"caseId": "ST_002",
"description": "高风险交易，未设置止损止盈",
"input": {
"userType": "新手",
"stockCode": "TSLA",
"action": "买入",
"quantity": 100,
"price": 800,
"stopLoss": 0,
"takeProfit": 0,
"leverage": 5
},
"expectedOutput": {
"status": "成功",
"message": "交易成功",
"profitLoss": 0,
"riskWarnings": ["未设置止损止盈", "高杠杆交易"]
},
"externalData": {
"stockPrice": 800,
"marketVolatility": 0.2
},
"collectedData": {
"tradeFrequency": "高",
"averageHoldingTime": "超短"
},
"businessData": {
"feeRate": 0.001,
"minFee": 5
}
},
{
"caseId": "ST_003",
"description": "达到止损价格",
"input": {
"userType": "新手",
"stockCode": "TSLA",
"action": "买入",
"quantity": 100,
"price": 800,
"stopLoss": 750,
"takeProfit": 900,
"leverage": 1
},
"expectedOutput": {
"status": "止损触发",
"message": "交易已止损",
"profitLoss": -5000,
"riskWarnings": []
},
"externalData": {
"stockPrice": 749, // 模拟股价下跌至止损位
"marketVolatility": 0.2
},
"collectedData": {
"tradeFrequency": "高",
"averageHoldingTime": "超短"
},
"businessData": {
"feeRate": 0.001,
"minFee": 5
}
}
]
}
{
"scenario": "策略推荐",
"testCases": [
{
"caseId": "SR_001",
"description": "稳健型用户，推荐低风险策略",
"input": {
"userType": "稳健",
"riskPreference": "保守",
"investmentHorizon": "中长期",
"marketCondition": "震荡"
},
"expectedOutput": {
"recommendedStrategies": ["指数基金定投", "债券型基金"],
"strategyRisks": ["低", "低"]
},
"externalData": {
"marketTrend": "震荡",
"bondYield": 0.03
},
"collectedData": {
"strategyViews": ["指数基金页面", "债券基金页面"],
"timeOnStrategy": 30
},
"businessData": {
"strategyPerformance": ["稳健", "稳定"],
"strategyRiskAssessment": ["低", "低"]
}
},
{
"caseId": "SR_002",
"description": "激进型用户，推荐高风险策略",
"input": {
"userType": "激进",
"riskPreference": "激进",
"investmentHorizon": "短期",
"marketCondition": "牛市"
},
"expectedOutput": {
"recommendedStrategies": ["高杠杆短线交易", "期权组合"],
"strategyRisks": ["高", "高"]
},
"externalData": {
"marketTrend": "上涨",
"averageDailyVolume": 50000000
},
"collectedData": {
"strategyViews": ["高杠杆交易页面", "期权组合页面"],
"timeOnStrategy": 60
},
"businessData": {
"strategyPerformance": ["高收益", "高风险"],
"strategyRiskAssessment": ["高", "高"]
}
}
]
}
{
"scenario": "风险预警",
"testCases": [
{
"caseId": "RW_001",
"description": "持有某股票，公司发布负面公告",
"input": {
"userHoldings": ["AAPL"],
"newsTitle": "苹果公司发布盈利预警",
"newsContent": "苹果公司预计下季度盈利将大幅下降",
"source": "新浪财经",
"severity": "高"
},
"expectedOutput": {
"alertMessage": "您持有的股票AAPL发布盈利预警",
"riskLevel": "高",
"recommendation": "建议减仓或止损"
},
"externalData": {
"marketReaction": "下跌",
"tradingVolume": "放大"
},
"collectedData": {
"preAlertBehavior": "无异常",
"postAlertBehavior": "查看相关资讯"
},
"businessData": {
"expertOpinions": "盈利预警可能导致股价下跌"
}
},
{
"caseId": "RW_002",
"description": "未持有某股票，行业出现系统性风险",
"input": {
"userHoldings": [],
"newsTitle": "半导体行业面临产能过剩",
"newsContent": "多家半导体公司宣布减产",
"source": "华尔街见闻",
"severity": "中"
},
"expectedOutput": {
"alertMessage": "半导体行业面临产能过剩",
"riskLevel": "中",
"recommendation": "关注行业风险，谨慎投资"
},
"externalData": {
"marketReaction": "行业普跌",
"analystRatings": "下调"
},
"collectedData": {
"preAlertBehavior": "浏览半导体行业资讯",
"postAlertBehavior": "减少半导体行业相关策略"
},
"businessData": {
"expertOpinions": "行业风险可能蔓延至整个产业链"
}
}
]
}
{
"scenario": "异常行为检测",
"testCases": [
{
"caseId": "AB_001",
"description": "短时间内频繁交易陌生股票",
"input": {
"userType": "新手",
"tradeFrequency": "高",
"unknownStocks": "TSLA, NVDA, AMD",
"timeWindow": "5分钟",
"leverage": "1"
},
"expectedOutput": {
"alertMessage": "短时间内频繁交易陌生股票",
"riskLevel": "高",
"recommendation": "暂停交易，进行风险评估"
},
"externalData": {
"marketVolatility": 0.1
},
"collectedData": {
"previousTradeHistory": "低频交易",
"tradeAmountChange": "突增"
},
"businessData": {
"userBehaviorPatterns": "新手，不熟悉股票"
}
},
{
"caseId": "AB_002",
"description": "异地登录",
"input": {
"userType": "普通用户",
"loginLocation": "深圳",
"previousLoginLocation": "北京",
"timeSinceLastLogin": "24小时"
},
"expectedOutput": {
"alertMessage": "检测到异地登录",
"riskLevel": "中",
"recommendation": "验证身份，修改密码"
},
"externalData": {
"knownFraudCases": ["异地登录诈骗"]
},
"collectedData": {
"usualLoginTimes": ["早上", "下午"],
"loginTime": "凌晨"
},
"businessData": {
"deviceFingerprintChange": true
}
}
]
}