// NAC RWA 全球资产上链法律要素抽象数据模型 // 版本：1.0.0 // 覆盖：资产类型、产权结构、合约要件、税收要素、跨境规则 // // 架构层次： // Layer 0: 金融合规层（AML/KYC）— nac-jurisdiction-rules 已实现 // Layer 1: 资产身份层（asset_types + ownership）— 本模块 // Layer 2: 产权登记层（ownership）— 本模块 // Layer 3: 合约模板层（contract_elements）— 本模块（抽象层），辖区适配器见各辖区模块 // Layer 4: 税收计算层（tax_elements）— 本模块 // Layer 5: 跨境规则层（cross_border）— 本模块 pub mod asset_types; pub mod ownership; pub mod contract_elements; pub mod tax_elements; pub mod cross_border; // 重新导出核心类型，方便使用 pub use asset_types::{AssetCategory, RealEstateSubtype, MovablePropertySubtype, IPSubtype, FinancialAssetSubtype, CommoditySubtype, DigitalAssetSubtype, NaturalResourceSubtype}; pub use ownership::{LegalSystem, LegalEntityType, PropertyRightsBundle, OwnershipForm, EncumbranceStatus}; pub use contract_elements::{ContractType, ContractCoreElements, ContractParty, PartyRole, KycLevel, ContractFormRequirement, DisputeResolution, ArbitrationBody, DisputeMechanism, DeliveryTerms, RiskTransferPoint, RequiredDocument, DocumentType}; pub use tax_elements::{TaxType, TaxRateStructure, JurisdictionTaxRule, DoubleTaxationAgreement, TaxpayerType, find_dta, get_major_dta_database}; pub use cross_border::{TradeAgreementType, TechnicalStandardSystem, BilateralCrossBorderRules, TariffRule, find_bilateral_rules, get_bilateral_rules_database, TradeControlType}; /// RWA 资产上链完整法律要素包 /// 这是一笔 RWA 资产上链所需的全部法律信息的聚合 #[derive(Debug, Clone, serde::Serialize, serde::Deserialize)] pub struct RWALegalPackage { /// 资产类别 pub asset_category: AssetCategory, /// 产权束 pub property_rights: PropertyRightsBundle, /// 资产所在辖区 pub asset_jurisdiction: String, /// 资产持有人所在辖区 pub holder_jurisdiction: String, /// 法律体系 pub legal_system: LegalSystem, /// 适用合约类型列表 pub applicable_contracts: Vec, /// 必要文件清单 pub required_documents: Vec, /// 适用税收规则 pub applicable_taxes: Vec, /// 适用双边税收协定 pub applicable_dta: Option, /// 跨境规则（如涉及跨境交易） pub cross_border_rules: Option, /// 是否需要伊斯兰合规 pub sharia_compliance_required: bool, /// 验证状态 pub validation_status: ValidationStatus, } /// 验证状态 #[derive(Debug, Clone, PartialEq, Eq, serde::Serialize, serde::Deserialize)] pub enum ValidationStatus { /// 未验证 Pending, /// 验证通过 Approved, /// 验证失败 Rejected(String), /// 需要人工审核 ManualReviewRequired(String), } impl RWALegalPackage { /// 执行基础验证 pub fn validate(&self) -> ValidationStatus { // 检查产权是否可以上链 if let Err(reason) = self.property_rights.can_be_tokenized() { return ValidationStatus::Rejected(reason); } // 检查是否有适用合约 if self.applicable_contracts.is_empty() { return ValidationStatus::Rejected("未指定适用合约类型".to_string()); } // 检查伊斯兰合规 if self.sharia_compliance_required { let has_sharia_contract = self.applicable_contracts.iter().any(|c| { matches!( c, ContractType::MurabahaContract | ContractType::IjaraContract | ContractType::SukukContract | ContractType::MusharakaContract | ContractType::MudarabaContract ) }); if !has_sharia_contract { return ValidationStatus::ManualReviewRequired( "需要伊斯兰合规合约，但未指定".to_string(), ); } } ValidationStatus::Approved } /// 获取适用的 DTA（如涉及跨境） pub fn lookup_dta(&self) -> Option { if self.asset_jurisdiction != self.holder_jurisdiction { find_dta(&self.asset_jurisdiction, &self.holder_jurisdiction) } else { None } } /// 获取跨境规则 pub fn lookup_cross_border_rules(&self) -> Option { if self.asset_jurisdiction != self.holder_jurisdiction { find_bilateral_rules(&self.asset_jurisdiction, &self.holder_jurisdiction) } else { None } } } #[cfg(test)] mod tests { use super::*; #[allow(unused_imports)] use crate::ownership::{OwnershipRight, UsageRight, IncomeRight, DisposalRight}; fn make_clean_rights() -> PropertyRightsBundle { PropertyRightsBundle::clean_freehold(LegalEntityType::NaturalPerson) } #[test] fn test_rwa_package_cn_real_estate() { let package = RWALegalPackage { asset_category: AssetCategory::RealEstate(RealEstateSubtype::Residential), property_rights: make_clean_rights(), asset_jurisdiction: "CN".to_string(), holder_jurisdiction: "CN".to_string(), legal_system: LegalSystem::CivilLaw, applicable_contracts: vec![ContractType::RealEstateSaleContract], required_documents: vec![], applicable_taxes: vec![], applicable_dta: None, cross_border_rules: None, sharia_compliance_required: false, validation_status: ValidationStatus::Pending, }; let status = package.validate(); assert_eq!(status, ValidationStatus::Approved); } #[test] fn test_rwa_package_ae_sharia_required() { let package = RWALegalPackage { asset_category: AssetCategory::FinancialAsset(FinancialAssetSubtype::Bond), property_rights: make_clean_rights(), asset_jurisdiction: "AE".to_string(), holder_jurisdiction: "AE".to_string(), legal_system: LegalSystem::ShariaLaw, applicable_contracts: vec![ContractType::BondSubscriptionAgreement], // 普通债券，非 Sukuk required_documents: vec![], applicable_taxes: vec![], applicable_dta: None, cross_border_rules: None, sharia_compliance_required: true, // 需要伊斯兰合规 validation_status: ValidationStatus::Pending, }; let status = package.validate(); // 应该要求人工审核，因为没有伊斯兰合规合约 assert!(matches!(status, ValidationStatus::ManualReviewRequired(_))); } #[test] fn test_rwa_package_ae_sukuk() { let package = RWALegalPackage { asset_category: AssetCategory::FinancialAsset(FinancialAssetSubtype::Sukuk), property_rights: make_clean_rights(), asset_jurisdiction: "AE".to_string(), holder_jurisdiction: "AE".to_string(), legal_system: LegalSystem::ShariaLaw, applicable_contracts: vec![ContractType::SukukContract], // 正确的伊斯兰合约 required_documents: vec![], applicable_taxes: vec![], applicable_dta: None, cross_border_rules: None, sharia_compliance_required: true, validation_status: ValidationStatus::Pending, }; let status = package.validate(); assert_eq!(status, ValidationStatus::Approved); } #[test] fn test_rwa_package_cross_border_lookup() { let package = RWALegalPackage { asset_category: AssetCategory::RealEstate(RealEstateSubtype::Commercial), property_rights: make_clean_rights(), asset_jurisdiction: "JP".to_string(), holder_jurisdiction: "CN".to_string(), // 中国人买日本不动产 legal_system: LegalSystem::CivilLaw, applicable_contracts: vec![ContractType::RealEstateSaleContract], required_documents: vec![], applicable_taxes: vec![], applicable_dta: None, cross_border_rules: None, sharia_compliance_required: false, validation_status: ValidationStatus::Pending, }; // 查找 DTA let dta = package.lookup_dta(); assert!(dta.is_some()); assert_eq!(dta.unwrap().dividend_withholding_rate, 10.0); // 查找跨境规则 let rules = package.lookup_cross_border_rules(); assert!(rules.is_some()); assert_eq!(rules.unwrap().trade_agreement, TradeAgreementType::Rcep); } #[test] fn test_seized_asset_rejected() { let mut rights = make_clean_rights(); rights.encumbrance.has_seizure = true; let package = RWALegalPackage { asset_category: AssetCategory::RealEstate(RealEstateSubtype::Residential), property_rights: rights, asset_jurisdiction: "CN".to_string(), holder_jurisdiction: "CN".to_string(), legal_system: LegalSystem::CivilLaw, applicable_contracts: vec![ContractType::RealEstateSaleContract], required_documents: vec![], applicable_taxes: vec![], applicable_dta: None, cross_border_rules: None, sharia_compliance_required: false, validation_status: ValidationStatus::Pending, }; let status = package.validate(); assert!(matches!(status, ValidationStatus::Rejected(_))); } #[test] fn test_ip_cross_border_cn_us() { let package = RWALegalPackage { asset_category: AssetCategory::IntellectualProperty(IPSubtype::InventionPatent), property_rights: make_clean_rights(), asset_jurisdiction: "CN".to_string(), holder_jurisdiction: "US".to_string(), legal_system: LegalSystem::CommonLaw, applicable_contracts: vec![ContractType::PatentLicenseNonExclusive], required_documents: vec![], applicable_taxes: vec![], applicable_dta: None, cross_border_rules: None, sharia_compliance_required: false, validation_status: ValidationStatus::Pending, }; // 验证通过 assert_eq!(package.validate(), ValidationStatus::Approved); // 查找跨境规则（中美） let rules = package.lookup_cross_border_rules(); assert!(rules.is_some()); // 中美之间有出口管制 let rules = rules.unwrap(); assert!(!rules.trade_controls.is_empty()); } }