feat: 添加可配置场景注册表与规则引擎

- 新增场景基类、配置加载、注册表与原语模块
- 添加 r10_refund_split 规则及场景 JSON Schema
- 扩展 scan 引擎与 scenarios API
- 新增场景注册表/配置/集成测试
- 更新前端 App、api、labels 支持新场景

backend/tests/integration/test_run_scenarios.py

@@ -0,0 +1,62 @@
+"""通用场景调度器 run_scenarios 的落库集成测试（需 PostgreSQL）。
+
+验证「场景插件 → 统一调度 → 阈值过滤 → 落库」链路，且与旧 run_xxx_scan 行为一致。
+"""
+
+from __future__ import annotations
+
+from app.clues.models import ClueStatus, ConfidenceTier
+from app.engines import scan
+from app.scenarios.churn_fraud import ChurnFraudScenario, CohortPoint
+from app.scenarios.split_contract import ContractRecord, SplitContractScenario
+
+
+def test_run_scenarios_creates_clues(session):
+    contracts = [ContractRecord(f"C{i}", f"CUST{i}", 850000) for i in range(8)]
+    curve = [CohortPoint(0, 1.0), CohortPoint(1, 0.95), CohortPoint(2, 0.1)]
+    scenarios = [
+        SplitContractScenario(
+            contracts, approval_threshold=1_000_000, shared_controller=True
+        ),
+        ChurnFraudScenario(
+            retention_curve=curve,
+            commission_paid=300000,
+            active_ratio=0.05,
+            zero_usage_ratio=0.9,
+            channel_key="CH-001",
+        ),
+    ]
+    results = scan.run_scenarios(session, scenarios)
+    by_code = {r.scenario_code: r for r in results}
+
+    assert by_code["R8"].scanned_count == 8
+    assert len(by_code["R8"].clues) == 1
+    r8_clue = by_code["R8"].clues[0]
+    assert r8_clue.confidence == ConfidenceTier.HIGH
+    assert r8_clue.status == ClueStatus.NEW
+    assert r8_clue.amount_involved > 0
+    assert r8_clue.model_version == scan.MODEL_VERSION
+
+    assert by_code["R9"].scanned_count == 3
+    assert len(by_code["R9"].clues) == 1
+    assert by_code["R9"].clues[0].scenario_code == "R9"
+    assert by_code["R9"].clues[0].subjects["channel"] == "CH-001"
+
+
+def test_run_scenarios_filters_below_threshold(session):
+    # 干净数据：拆单不命中、养卡曲线平滑且佣金匹配 → 均不应生成线索
+    contracts = [ContractRecord("C1", "A", 100000), ContractRecord("C2", "B", 3_000_000)]
+    curve = [CohortPoint(0, 1.0), CohortPoint(1, 0.98), CohortPoint(2, 0.97)]
+    scenarios = [
+        SplitContractScenario(contracts, approval_threshold=1_000_000),
+        ChurnFraudScenario(
+            retention_curve=curve,
+            commission_paid=10000,
+            active_ratio=0.9,
+            zero_usage_ratio=0.05,
+            channel_key="CH-X",
+        ),
+    ]
+    results = scan.run_scenarios(session, scenarios)
+    for r in results:
+        assert r.clues == []