NAC_Blockchain/nvm_v2/nvm-l1/src/value_scale/asset_valuation.rs

// Asset Valuation System
// 资产估值系统 - NAC原生实现

use serde::{Deserialize, Serialize};
use std::collections::HashMap;

/// 估值方法
#[derive(Debug, Clone, PartialEq, Eq, Hash, Serialize, Deserialize)]
pub enum ValuationMethod {
    /// 市场比较法
    MarketComparison,
    /// 收益法
    IncomeApproach,
    /// 成本法
    CostApproach,
    /// AI估值模型
    AIModel(String),
    /// 专家评估
    ExpertAppraisal,
    /// 混合方法
    Hybrid,
}

/// 资产类别（扩展的GNACS分类）
#[derive(Debug, Clone, PartialEq, Eq, Hash, Serialize, Deserialize)]
pub enum AssetCategory {
    /// 不动产
    RealEstate,
    /// 动产
    PersonalProperty,
    /// 金融资产
    FinancialAsset,
    /// 知识产权
    IntellectualProperty,
    /// 艺术品
    Artwork,
    /// 贵金属
    PreciousMetal,
    /// 大宗商品
    Commodity,
    /// 数字资产
    DigitalAsset,
    /// 其他
    Other(String),
}

/// 估值结果
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct ValuationResult {
    /// 估值ID
    pub valuation_id: String,
    /// 资产ID
    pub asset_id: String,
    /// 资产类别
    pub asset_category: AssetCategory,
    /// 估值金额（XTZH单位）
    pub value_xtzh: u128,
    /// 估值金额（USD）
    pub value_usd: u128,
    /// 估值方法
    pub method: ValuationMethod,
    /// 置信度 (0-100)
    pub confidence: u8,
    /// 估值师/模型
    pub appraiser: String,
    /// 估值时间戳
    pub valued_at: u64,
    /// 有效期（秒）
    pub validity_period: u64,
    /// 估值依据
    pub rationale: String,
    /// 市场数据
    pub market_data: Option<MarketData>,
}

/// 市场数据
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct MarketData {
    /// 可比交易数量
    pub comparable_transactions: u32,
    /// 平均市场价格
    pub average_market_price: u128,
    /// 价格范围（最低-最高）
    pub price_range: (u128, u128),
    /// 市场流动性评分 (0-100)
    pub liquidity_score: u8,
    /// 数据来源
    pub data_source: String,
}

/// 估值参数
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct ValuationParams {
    /// 资产类别
    pub asset_category: AssetCategory,
    /// 资产描述
    pub description: String,
    /// 资产属性
    pub attributes: HashMap<String, String>,
    /// 司法辖区
    pub jurisdiction: String,
    /// 估值目的
    pub purpose: String,
}

/// 估值调整因子
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct AdjustmentFactor {
    /// 因子名称
    pub name: String,
    /// 调整比例（百分比，可为负）
    pub adjustment_percent: i32,
    /// 原因说明
    pub reason: String,
}

/// 估值历史记录
#[derive(Debug, Clone, Serialize, Deserialize)]
pub struct ValuationHistory {
    /// 资产ID
    pub asset_id: String,
    /// 历史估值列表
    pub valuations: Vec<ValuationResult>,
    /// 平均估值
    pub average_value: u128,
    /// 估值趋势（上升/下降百分比）
    pub trend_percent: i32,
}

/// 资产估值系统
pub struct AssetValuationSystem {
    /// 估值结果存储 (valuation_id -> ValuationResult)
    valuations: HashMap<String, ValuationResult>,
    /// 资产估值历史 (asset_id -> ValuationHistory)
    valuation_history: HashMap<String, ValuationHistory>,
    /// 估值方法权重 (method -> weight)
    method_weights: HashMap<ValuationMethod, u8>,
    /// 类别调整因子 (category -> factors)
    category_adjustments: HashMap<AssetCategory, Vec<AdjustmentFactor>>,
    /// XTZH/USD汇率（18位小数）
    xtzh_usd_rate: u128,
    /// 统计信息
    stats: ValuationStats,
}

/// 估值统计
#[derive(Debug, Clone, Default)]
pub struct ValuationStats {
    /// 总估值次数
    pub total_valuations: u64,
    /// 按类别统计 (category -> count)
    pub valuations_by_category: HashMap<String, u64>,
    /// 总估值金额（XTZH）
    pub total_value_xtzh: u128,
    /// 平均置信度
    pub average_confidence: u8,
}

impl AssetValuationSystem {
    /// 创建新的估值系统
    pub fn new(xtzh_usd_rate: u128) -> Self {
        let mut method_weights = HashMap::new();
        
        // 设置默认权重
        method_weights.insert(ValuationMethod::MarketComparison, 40);
        method_weights.insert(ValuationMethod::IncomeApproach, 30);
        method_weights.insert(ValuationMethod::CostApproach, 20);
        method_weights.insert(ValuationMethod::ExpertAppraisal, 10);

        Self {
            valuations: HashMap::new(),
            valuation_history: HashMap::new(),
            method_weights,
            category_adjustments: HashMap::new(),
            xtzh_usd_rate,
            stats: ValuationStats::default(),
        }
    }

    /// 执行估值
    pub fn perform_valuation(
        &mut self,
        valuation_id: String,
        params: ValuationParams,
        method: ValuationMethod,
        base_value_usd: u128,
        confidence: u8,
        appraiser: String,
        validity_period: u64,
        rationale: String,
        market_data: Option<MarketData>,
    ) -> Result<ValuationResult, String> {
        if confidence == 0 || confidence > 100 {
            return Err("Invalid confidence level".to_string());
        }

        let now = std::time::SystemTime::now()
            .duration_since(std::time::UNIX_EPOCH)
            .unwrap()
            .as_secs();

        // 应用调整因子
        let adjusted_value_usd = self.apply_adjustments(&params.asset_category, base_value_usd)?;

        // 转换为XTZH（先除后乘避免溢出）
        // value_xtzh = (value_usd * 10^18) / xtzh_usd_rate
        // = value_usd / (xtzh_usd_rate / 10^18)
        let xtzh_rate_normalized = self.xtzh_usd_rate / 1_000_000_000_000_000_000;
        let value_xtzh = if xtzh_rate_normalized > 0 {
            adjusted_value_usd / xtzh_rate_normalized
        } else {
            return Err("Invalid XTZH rate".to_string());
        };

        let result = ValuationResult {
            valuation_id: valuation_id.clone(),
            asset_id: params.description.clone(), // 简化处理
            asset_category: params.asset_category.clone(),
            value_xtzh,
            value_usd: adjusted_value_usd,
            method,
            confidence,
            appraiser,
            valued_at: now,
            validity_period,
            rationale,
            market_data,
        };

        // 保存估值结果
        self.valuations.insert(valuation_id, result.clone());

        // 更新历史记录
        self.update_history(result.clone());

        // 更新统计
        self.stats.total_valuations += 1;
        self.stats.total_value_xtzh += value_xtzh;
        
        let category_key = format!("{:?}", params.asset_category);
        *self.stats.valuations_by_category.entry(category_key).or_insert(0) += 1;

        Ok(result)
    }

    /// 应用调整因子
    fn apply_adjustments(&self, category: &AssetCategory, base_value: u128) -> Result<u128, String> {
        let mut adjusted_value = base_value as i128;

        if let Some(factors) = self.category_adjustments.get(category) {
            for factor in factors {
                let adjustment = (base_value as i128 * factor.adjustment_percent as i128) / 100;
                adjusted_value += adjustment;
            }
        }

        if adjusted_value < 0 {
            return Err("Adjusted value cannot be negative".to_string());
        }

        Ok(adjusted_value as u128)
    }

    /// 更新估值历史
    fn update_history(&mut self, result: ValuationResult) {
        let history = self.valuation_history
            .entry(result.asset_id.clone())
            .or_insert_with(|| ValuationHistory {
                asset_id: result.asset_id.clone(),
                valuations: Vec::new(),
                average_value: 0,
                trend_percent: 0,
            });

        history.valuations.push(result.clone());

        // 计算平均估值
        let total: u128 = history.valuations.iter().map(|v| v.value_xtzh).sum();
        history.average_value = total / history.valuations.len() as u128;

        // 计算趋势
        if history.valuations.len() >= 2 {
            let latest = history.valuations.last().unwrap().value_xtzh;
            let previous = history.valuations[history.valuations.len() - 2].value_xtzh;
            
            if previous > 0 {
                let change = (latest as i128 - previous as i128) * 10000 / previous as i128;
                history.trend_percent = (change / 100) as i32;
            }
        }
    }

    /// 获取估值结果
    pub fn get_valuation(&self, valuation_id: &str) -> Option<&ValuationResult> {
        self.valuations.get(valuation_id)
    }

    /// 获取资产最新估值
    pub fn get_latest_valuation(&self, asset_id: &str) -> Option<&ValuationResult> {
        self.valuation_history
            .get(asset_id)
            .and_then(|h| h.valuations.last())
    }

    /// 获取估值历史
    pub fn get_valuation_history(&self, asset_id: &str) -> Option<&ValuationHistory> {
        self.valuation_history.get(asset_id)
    }

    /// 检查估值是否有效
    pub fn is_valuation_valid(&self, valuation_id: &str) -> bool {
        if let Some(valuation) = self.valuations.get(valuation_id) {
            let now = std::time::SystemTime::now()
                .duration_since(std::time::UNIX_EPOCH)
                .unwrap()
                .as_secs();

            now - valuation.valued_at < valuation.validity_period
        } else {
            false
        }
    }

    /// 添加调整因子
    pub fn add_adjustment_factor(&mut self, category: AssetCategory, factor: AdjustmentFactor) {
        self.category_adjustments
            .entry(category)
            .or_insert_with(Vec::new)
            .push(factor);
    }

    /// 设置方法权重
    pub fn set_method_weight(&mut self, method: ValuationMethod, weight: u8) {
        self.method_weights.insert(method, weight);
    }

    /// 更新XTZH/USD汇率
    pub fn update_xtzh_rate(&mut self, rate: u128) {
        self.xtzh_usd_rate = rate;
    }

    /// 获取统计信息
    pub fn get_stats(&self) -> &ValuationStats {
        &self.stats
    }

    /// 批量估值
    pub fn batch_valuation(
        &mut self,
        params_list: Vec<(String, ValuationParams, ValuationMethod, u128, u8, String)>,
    ) -> Vec<Result<ValuationResult, String>> {
        params_list.into_iter().map(|(id, params, method, value, conf, appraiser)| {
            self.perform_valuation(
                id,
                params,
                method,
                value,
                conf,
                appraiser,
                365 * 24 * 3600, // 1年有效期
                "Batch valuation".to_string(),
                None,
            )
        }).collect()
    }
}

impl Default for AssetValuationSystem {
    fn default() -> Self {
        Self::new(50_000_000_000_000_000_000) // 默认1 XTZH = $50
    }
}

#[cfg(test)]
mod tests {
    use super::*;

    #[test]
    fn test_valuation_system_creation() {
        let system = AssetValuationSystem::new(50_000_000_000_000_000_000);
        assert_eq!(system.xtzh_usd_rate, 50_000_000_000_000_000_000);
    }

    #[test]
    fn test_perform_valuation() {
        let mut system = AssetValuationSystem::new(50_000_000_000_000_000_000);

        let mut attributes = HashMap::new();
        attributes.insert("location".to_string(), "New York".to_string());
        attributes.insert("size".to_string(), "100 sqm".to_string());

        let params = ValuationParams {
            asset_category: AssetCategory::RealEstate,
            description: "Luxury Apartment".to_string(),
            attributes,
            jurisdiction: "US-NY".to_string(),
            purpose: "Sale".to_string(),
        };

        let result = system.perform_valuation(
            "val001".to_string(),
            params,
            ValuationMethod::MarketComparison,
            1_000_000, // $1,000,000 (不带小数位)
            90,
            "AI Model v1".to_string(),
            365 * 24 * 3600,
            "Based on comparable sales".to_string(),
            None,
        ).unwrap();

        assert_eq!(result.valuation_id, "val001");
        assert_eq!(result.confidence, 90);
        assert!(result.value_xtzh > 0);
    }

    #[test]
    fn test_adjustment_factors() {
        let mut system = AssetValuationSystem::new(50_000_000_000_000_000_000);

        // 添加调整因子
        system.add_adjustment_factor(
            AssetCategory::RealEstate,
            AdjustmentFactor {
                name: "Location Premium".to_string(),
                adjustment_percent: 10, // +10%
                reason: "Prime location".to_string(),
            },
        );

        let mut attributes = HashMap::new();
        attributes.insert("location".to_string(), "Prime".to_string());

        let params = ValuationParams {
            asset_category: AssetCategory::RealEstate,
            description: "Prime Property".to_string(),
            attributes,
            jurisdiction: "US-NY".to_string(),
            purpose: "Sale".to_string(),
        };

        let result = system.perform_valuation(
            "val002".to_string(),
            params,
            ValuationMethod::MarketComparison,
            1_000_000, // $1,000,000 (不带小数位)
            85,
            "Expert".to_string(),
            365 * 24 * 3600,
            "With location adjustment".to_string(),
            None,
        ).unwrap();
        // 应该是 $1,100,000 (1,000,000 + 10%)
        assert_eq!(result.value_usd, 1_100_000);
        // 验证XTZH值：1,100,000 / 50 = 22,000
        assert_eq!(result.value_xtzh, 22_000);
    }

    #[test]
    fn test_valuation_history() {
        let mut system = AssetValuationSystem::new(50_000_000_000_000_000_000);

        let params = ValuationParams {
            asset_category: AssetCategory::RealEstate,
            description: "Test Asset".to_string(),
            attributes: HashMap::new(),
            jurisdiction: "US".to_string(),
            purpose: "Test".to_string(),
        };

        // 第一次估值
        system.perform_valuation(
            "val001".to_string(),
            params.clone(),
            ValuationMethod::MarketComparison,
            1_000_000,
            90,
            "Appraiser 1".to_string(),
            365 * 24 * 3600,
            "First valuation".to_string(),
            None,
        ).unwrap();

        // 第二次估值
        system.perform_valuation(
            "val002".to_string(),
            params,
            ValuationMethod::IncomeApproach,
            1_100_000,
            85,
            "Appraiser 2".to_string(),
            365 * 24 * 3600,
            "Second valuation".to_string(),
            None,
        ).unwrap();

        let history = system.get_valuation_history("Test Asset").unwrap();
        assert_eq!(history.valuations.len(), 2);
        assert!(history.trend_percent > 0); // 价格上涨
    }

    #[test]
    fn test_valuation_validity() {
        let mut system = AssetValuationSystem::new(50_000_000_000_000_000_000);

        let params = ValuationParams {
            asset_category: AssetCategory::RealEstate,
            description: "Test Asset".to_string(),
            attributes: HashMap::new(),
            jurisdiction: "US".to_string(),
            purpose: "Test".to_string(),
        };

        system.perform_valuation(
            "val001".to_string(),
            params,
            ValuationMethod::MarketComparison,
            1_000_000_000_000_000_000_000,
            90,
            "Appraiser".to_string(),
            3600, // 1小时有效期
            "Test valuation".to_string(),
            None,
        ).unwrap();

        assert!(system.is_valuation_valid("val001"));
    }

    #[test]
    fn test_batch_valuation() {
        let mut system = AssetValuationSystem::new(50_000_000_000_000_000_000);

        let params_list = vec![
            (
                "val001".to_string(),
                ValuationParams {
                    asset_category: AssetCategory::RealEstate,
                    description: "Asset 1".to_string(),
                    attributes: HashMap::new(),
                    jurisdiction: "US".to_string(),
                    purpose: "Test".to_string(),
                },
                ValuationMethod::MarketComparison,
                1_000_000_000_000_000_000_000,
                90,
                "AI".to_string(),
            ),
            (
                "val002".to_string(),
                ValuationParams {
                    asset_category: AssetCategory::FinancialAsset,
                    description: "Asset 2".to_string(),
                    attributes: HashMap::new(),
                    jurisdiction: "US".to_string(),
                    purpose: "Test".to_string(),
                },
                ValuationMethod::IncomeApproach,
                500_000,
                85,
                "AI".to_string(),
            ),
        ];

        let results = system.batch_valuation(params_list);
        assert_eq!(results.len(), 2);
        assert!(results[0].is_ok());
        assert!(results[1].is_ok());
    }
}