<?php

return [
    // 评分范围
    'score_min' => env('RISK_SCORE_MIN', 300),
    'score_max' => env('RISK_SCORE_MAX', 850),

    // A/B/C卡权重
    'a_card_weight' => env('RISK_A_CARD_WEIGHT', 0.50),
    'b_card_weight' => env('RISK_B_CARD_WEIGHT', 0.30),
    'c_card_weight' => env('RISK_C_CARD_WEIGHT', 0.20),

    // 反洗钱阈值
    'aml_large_threshold' => env('AML_LARGE_TRANSACTION_THRESHOLD', 50000),
    'aml_cash_threshold' => env('AML_CASH_TRANSACTION_THRESHOLD', 200000),

    // 审批层级金额阈值
    'approval_level_1_max' => env('APPROVAL_LEVEL_1_MAX', 500000),
    'approval_level_2_max' => env('APPROVAL_LEVEL_2_MAX', 2000000),

    // 五级分类规则（按逾期天数）
    'five_category_rules' => [
        ['max_days' => 0,   'category' => 'normal'],
        ['max_days' => 30,  'category' => 'attention'],
        ['max_days' => 90,  'category' => 'substandard'],
        ['max_days' => 180, 'category' => 'doubtful'],
        ['max_days' => PHP_INT_MAX, 'category' => 'loss'],
    ],
];
