Novault-backend/internal/service/health_score_service.go

package service

import (
	"time"

	"accounting-app/internal/models"
	"accounting-app/internal/repository"
)

// HealthScoreService handles financial health score calculation
type HealthScoreService struct {
	reportRepo  *repository.ReportRepository
	accountRepo *repository.AccountRepository
	budgetRepo  *repository.BudgetRepository
}

// NewHealthScoreService creates a new HealthScoreService instance
func NewHealthScoreService(
	reportRepo *repository.ReportRepository,
	accountRepo *repository.AccountRepository,
	budgetRepo *repository.BudgetRepository,
) *HealthScoreService {
	return &HealthScoreService{
		reportRepo:  reportRepo,
		accountRepo: accountRepo,
		budgetRepo:  budgetRepo,
	}
}

// HealthScoreFactor represents a factor contributing to the health score
type HealthScoreFactor struct {
	Name        string  `json:"name"`
	Score       float64 `json:"score"`       // 0-100
	Weight      float64 `json:"weight"`      // 0-1
	Tip         string  `json:"tip"`         // 改进建议
	Description string  `json:"description"` // 因素描述
}

// HealthScoreResult represents the overall health score result
type HealthScoreResult struct {
	Score       int                 `json:"score"`       // 0-100
	Level       string              `json:"level"`       // 优秀/良好/一般/需改善
	Description string              `json:"description"` // 总体描述
	Factors     []HealthScoreFactor `json:"factors"`
}

// CalculateHealthScore calculates the financial health score for a user
func (s *HealthScoreService) CalculateHealthScore(userID uint) (*HealthScoreResult, error) {
	now := time.Now()
	monthStart := time.Date(now.Year(), now.Month(), 1, 0, 0, 0, 0, now.Location())
	threeMonthsAgo := monthStart.AddDate(0, -3, 0)

	factors := []HealthScoreFactor{}
	totalWeight := 0.0
	weightedSum := 0.0

	// Factor 1: 储蓄率 (Savings Rate) - 权重 30%
	savingsScore, savingsTip := s.calculateSavingsRate(userID, threeMonthsAgo, now)
	savingsFactor := HealthScoreFactor{
		Name:        "储蓄率",
		Score:       savingsScore,
		Weight:      0.30,
		Tip:         savingsTip,
		Description: "收入中储蓄的比例",
	}
	factors = append(factors, savingsFactor)
	weightedSum += savingsScore * 0.30
	totalWeight += 0.30

	// Factor 2: 负债率 (Debt Ratio) - 权重 25%
	debtScore, debtTip := s.calculateDebtRatio(userID)
	debtFactor := HealthScoreFactor{
		Name:        "负债率",
		Score:       debtScore,
		Weight:      0.25,
		Tip:         debtTip,
		Description: "负债占总资产的比例",
	}
	factors = append(factors, debtFactor)
	weightedSum += debtScore * 0.25
	totalWeight += 0.25

	// Factor 3: 预算执行率 (Budget Compliance) - 权重 20%
	budgetScore, budgetTip := s.calculateBudgetCompliance(userID)
	budgetFactor := HealthScoreFactor{
		Name:        "预算执行",
		Score:       budgetScore,
		Weight:      0.20,
		Tip:         budgetTip,
		Description: "预算控制情况",
	}
	factors = append(factors, budgetFactor)
	weightedSum += budgetScore * 0.20
	totalWeight += 0.20

	// Factor 4: 消费稳定性 (Spending Stability) - 权重 15%
	stabilityScore, stabilityTip := s.calculateSpendingStability(userID, threeMonthsAgo, now)
	stabilityFactor := HealthScoreFactor{
		Name:        "消费稳定",
		Score:       stabilityScore,
		Weight:      0.15,
		Tip:         stabilityTip,
		Description: "月度支出波动情况",
	}
	factors = append(factors, stabilityFactor)
	weightedSum += stabilityScore * 0.15
	totalWeight += 0.15

	// Factor 5: 资产多样性 (Asset Diversity) - 权重 10%
	diversityScore, diversityTip := s.calculateAssetDiversity(userID)
	diversityFactor := HealthScoreFactor{
		Name:        "资产配置",
		Score:       diversityScore,
		Weight:      0.10,
		Tip:         diversityTip,
		Description: "资产分散程度",
	}
	factors = append(factors, diversityFactor)
	weightedSum += diversityScore * 0.10
	totalWeight += 0.10

	// Calculate final score
	finalScore := int(weightedSum / totalWeight)
	if finalScore > 100 {
		finalScore = 100
	}
	if finalScore < 0 {
		finalScore = 0
	}

	// Determine level and description
	level, description := getHealthScoreLevel(finalScore)

	return &HealthScoreResult{
		Score:       finalScore,
		Level:       level,
		Description: description,
		Factors:     factors,
	}, nil
}

// calculateSavingsRate calculates the savings rate factor
func (s *HealthScoreService) calculateSavingsRate(userID uint, startDate, endDate time.Time) (float64, string) {
	// Get income and expense totals using existing repository method
	summaries, err := s.reportRepo.GetTransactionSummaryByCurrency(userID, startDate, endDate)
	if err != nil || len(summaries) == 0 {
		return 50.0, "无法获取收支数据"
	}

	var totalIncome, totalExpense float64
	for _, cs := range summaries {
		totalIncome += cs.TotalIncome
		totalExpense += cs.TotalExpense
	}

	if totalIncome <= 0 {
		return 30.0, "暂无收入记录，建议开始记录收入"
	}

	savingsRate := (totalIncome - totalExpense) / totalIncome * 100

	var score float64
	var tip string

	switch {
	case savingsRate >= 30:
		score = 100
		tip = "储蓄率非常优秀，继续保持！"
	case savingsRate >= 20:
		score = 85
		tip = "储蓄率良好，可以考虑增加投资"
	case savingsRate >= 10:
		score = 70
		tip = "储蓄率一般，建议适当控制支出"
	case savingsRate >= 0:
		score = 50
		tip = "储蓄率偏低，需要减少非必要支出"
	default:
		score = 20
		tip = "入不敷出，请尽快调整消费习惯"
	}

	return score, tip
}

// calculateDebtRatio calculates the debt ratio factor
func (s *HealthScoreService) calculateDebtRatio(userID uint) (float64, string) {
	// Use GetTotalBalance which returns assets and liabilities
	totalAssets, totalLiabilities, err := s.accountRepo.GetTotalBalance(userID)
	if err != nil {
		return 50.0, "无法获取账户数据"
	}

	if totalAssets <= 0 && totalLiabilities <= 0 {
		return 70.0, "暂无资产负债记录"
	}

	// Debt ratio = Liabilities / (Assets + Liabilities)
	total := totalAssets + totalLiabilities
	if total <= 0 {
		return 30.0, "净资产为负，需要关注财务状况"
	}

	debtRatio := totalLiabilities / total * 100

	var score float64
	var tip string

	switch {
	case debtRatio <= 10:
		score = 100
		tip = "负债率极低，财务非常健康"
	case debtRatio <= 30:
		score = 85
		tip = "负债率健康，保持良好习惯"
	case debtRatio <= 50:
		score = 65
		tip = "负债率中等，建议适度控制"
	case debtRatio <= 70:
		score = 40
		tip = "负债率偏高，需要制定还款计划"
	default:
		score = 20
		tip = "负债率过高，请优先处理债务"
	}

	return score, tip
}

// calculateBudgetCompliance calculates budget compliance factor
func (s *HealthScoreService) calculateBudgetCompliance(userID uint) (float64, string) {
	now := time.Now()
	budgets, err := s.budgetRepo.GetActiveBudgets(userID, now)
	if err != nil || len(budgets) == 0 {
		return 60.0, "暂无预算设置，建议设置预算"
	}

	var totalBudgets int
	var overBudgetCount int

	for _, budget := range budgets {
		// 获取预算期间的支出
		spent, err := s.budgetRepo.GetSpentAmount(&budget, budget.StartDate, now)
		if err != nil {
			continue
		}

		totalBudgets++
		if spent > budget.Amount {
			overBudgetCount++
		}
	}

	if totalBudgets == 0 {
		return 60.0, "暂无有效预算"
	}

	complianceRate := float64(totalBudgets-overBudgetCount) / float64(totalBudgets) * 100

	var score float64
	var tip string

	switch {
	case complianceRate >= 90:
		score = 100
		tip = "预算执行非常出色！"
	case complianceRate >= 70:
		score = 80
		tip = "预算执行良好，继续保持"
	case complianceRate >= 50:
		score = 60
		tip = "部分预算超支，需要加强控制"
	default:
		score = 30
		tip = "预算超支严重，请重新规划预算"
	}

	return score, tip
}

// calculateSpendingStability calculates spending stability factor
func (s *HealthScoreService) calculateSpendingStability(userID uint, startDate, endDate time.Time) (float64, string) {
	// 获取按月的支出趋势
	trendData, err := s.reportRepo.GetTrendDataByMonth(userID, startDate, endDate, nil)
	if err != nil || len(trendData) < 2 {
		return 70.0, "数据不足以分析消费稳定性"
	}

	// 计算支出的标准差
	var sum, sumSq float64
	n := float64(len(trendData))

	for _, dp := range trendData {
		sum += dp.TotalExpense
		sumSq += dp.TotalExpense * dp.TotalExpense
	}

	mean := sum / n
	variance := (sumSq / n) - (mean * mean)

	// 变异系数 (CV) = 标准差 / 平均值
	if mean <= 0 {
		return 70.0, "暂无支出记录"
	}

	cv := (variance / (mean * mean)) * 100 // 简化计算

	var score float64
	var tip string

	switch {
	case cv <= 10:
		score = 100
		tip = "消费非常稳定，财务规划出色"
	case cv <= 25:
		score = 80
		tip = "消费较为稳定，理财意识良好"
	case cv <= 50:
		score = 60
		tip = "消费有一定波动，建议制定月度预算"
	default:
		score = 40
		tip = "消费波动较大，需要加强支出管理"
	}

	return score, tip
}

// calculateAssetDiversity calculates asset diversity factor
func (s *HealthScoreService) calculateAssetDiversity(userID uint) (float64, string) {
	accounts, err := s.accountRepo.GetAll(userID)
	if err != nil {
		return 50.0, "无法获取账户数据"
	}

	// 统计不同类型的账户数量
	accountTypes := make(map[models.AccountType]int)
	for _, acc := range accounts {
		if acc.Balance > 0 && !acc.IsCredit {
			accountTypes[acc.Type]++
		}
	}

	diversity := len(accountTypes)

	var score float64
	var tip string

	switch {
	case diversity >= 4:
		score = 100
		tip = "资产配置多样化，抗风险能力强"
	case diversity >= 3:
		score = 80
		tip = "资产配置较好，可考虑增加投资类型"
	case diversity >= 2:
		score = 60
		tip = "资产类型偏少，建议分散配置"
	default:
		score = 40
		tip = "资产过于单一，建议多元化理财"
	}

	return score, tip
}

// getHealthScoreLevel returns the level and description based on score
func getHealthScoreLevel(score int) (string, string) {
	switch {
	case score >= 90:
		return "优秀", "您的财务状况非常健康，继续保持良好的理财习惯！"
	case score >= 75:
		return "良好", "您的财务状况良好，还有一些提升空间。"
	case score >= 60:
		return "一般", "您的财务状况尚可，建议关注评分较低的方面。"
	case score >= 40:
		return "需改善", "您的财务状况需要改善，请查看具体建议。"
	default:
		return "警示", "您的财务状况存在风险，请尽快采取行动改善。"
	}
}