feat: 业务层 services 抽取（财务/结算/补贴）

- FinanceService：opc_add_finance 直写 ORM 改为走 Repository.create（修复四层依赖违规）
- SettlementService：结算佣金(5%)/电子合同幂等/争议联动/投资撮合评分
- SubsidyService：政务三级审批状态机（区县→市→省→发放）
- rbac_ecosystem/rbac_government/rbac_opc 接线，路由瘦身

app/api/routers/rbac_ecosystem.py

@@ -91,13 +91,9 @@ async def sign_contract(
     db: Database = Depends(get_db),
     actor: dict = Depends(require_roles("enterprise", "opc_member")),
 ):
-    task = await db.tasks.get(task_id)
-    if task is None:
-        raise HTTPException(status_code=404, detail="Task not found")
-    if await db.contracts.get_for_task(task_id) is not None:
-        return await db.contracts.get_for_task(task_id)
-    opc_id = req.opc_id or (actor["id"] if actor.get("role") == "opc_member" else "")
-    contract = await db.contracts.create(task_id, task["title"], actor["id"], opc_id)
+    from ...services.settlement_service import SettlementService
+
+    contract = await SettlementService(db).sign_contract(task_id, actor, req.opc_id)
     await write_audit(db, action="contract.sign", resource="contract", resource_id=contract["id"],
                 user=actor, request=request)
     return contract
@@ -111,18 +107,11 @@ async def release_escrow(
     db: Database = Depends(get_db),
     actor: dict = Depends(require_roles("enterprise")),
 ):
-    task = await db.tasks.get(task_id)
-    if task is None or task["status"] != "completed":
-        raise HTTPException(status_code=400, detail="任务未完成，不能结算")
-    escrow = await db.escrows.list()
-    esc = next((e for e in escrow if e["task_id"] == task_id), None)
-    if esc is None:
-        amount = max(task.get("budget_min", 0), task.get("budget_max", 0))
-        commission = int(amount * 0.05)
-        esc = await db.escrows.create(task_id, task["title"], amount, commission)
-    released = await db.escrows.set_status(esc["id"], "released")
-    await write_audit(db, action="escrow.release", resource="escrow", resource_id=esc["id"],
-                detail=f"amount={esc['amount']}", user=actor, request=request)
+    from ...services.settlement_service import SettlementService
+
+    released = await SettlementService(db).release_escrow(task_id)
+    await write_audit(db, action="escrow.release", resource="escrow", resource_id=released["id"],
+                detail=f"amount={released['amount']}", user=actor, request=request)
     return released
 
 
@@ -148,11 +137,9 @@ async def create_dispute(
     db: Database = Depends(get_db),
     actor: dict = Depends(require_roles("enterprise", "opc_member")),
 ):
-    task = await db.tasks.get(task_id)
-    if task is None:
-        raise HTTPException(status_code=404, detail="Task not found")
-    dispute = await db.disputes.create(task_id, task["title"], actor["id"], req.reason)
-    await db.tasks.set_status(task_id, "disputed")
+    from ...services.settlement_service import SettlementService
+
+    dispute = await SettlementService(db).create_dispute(task_id, actor, req.reason)
     await write_audit(db, action="dispute.open", resource="dispute", resource_id=dispute["id"],
                 user=actor, request=request)
     return dispute
@@ -165,9 +152,9 @@ async def resolve_dispute(
     db: Database = Depends(get_db),
     actor: dict = Depends(require_roles("operator")),
 ):
-    dispute = await db.disputes.set_status(dispute_id, "resolved", resolution="平台调解结案")
-    if dispute is None:
-        raise HTTPException(status_code=404, detail="Dispute not found")
+    from ...services.settlement_service import SettlementService
+
+    dispute = await SettlementService(db).resolve_dispute(dispute_id)
     await write_audit(db, action="dispute.resolve", resource="dispute", resource_id=dispute_id,
                 user=actor, request=request)
     return dispute
@@ -179,24 +166,9 @@ async def investor_matches(
     db: Database = Depends(get_db),
     user: dict = Depends(require_roles("investor")),
 ):
-    pref = await db.investor_prefs.get(user["id"]) or {}
-    industries = set(pref.get("industries") or [])
-    data = await db.portal_pages.get("investor", "projects") or {"items": []}
-    items = data.get("items", [])
-    scored = []
-    for it in items:
-        text = f"{it.get('title', '')} {it.get('meta', '')}"
-        score = 0
-        for ind in industries:
-            if ind and ind in text:
-                score += 10
-        stage = pref.get("stage")
-        if stage and stage in text:
-            score += 5
-        scored.append((score, it))
-    scored.sort(key=lambda x: x[0], reverse=True)
-    return {"items": [{"title": it["title"], "meta": it["meta"], "tag": it.get("tag"),
-                       "match": min(100, s + 50)} for s, it in scored]}
+    from ...services.settlement_service import SettlementService
+
+    return await SettlementService(db).investor_matches(user["id"])
 
 
 # ── 路演参与（进入直播/出席）────────────────────────────────────────────────

app/api/routers/rbac_government.py

@@ -111,14 +111,6 @@ async def gov_data(
 
 # ── 补贴三级审批（区县→市→省→发放）─────────────────────────────────────────
 
-# 各政务级别可推进的状态映射
-_SUBSIDY_NEXT: dict[str, dict[str, str]] = {
-    "gov_district": {"applying": "district_review"},
-    "gov_city": {"district_review": "city_review"},
-    "gov_province": {"city_review": "province_review", "province_review": "approved"},
-}
-
-
 @router.get("/subsidies", summary="范围内补贴申报列表")
 async def gov_subsidies(
     db: Database = Depends(get_db),
@@ -134,17 +126,11 @@ async def gov_approve_subsidy(
     db: Database = Depends(get_db),
     user: dict = Depends(require_permission("menu:gov_data")),
 ):
-    sub = await db.subsidies.get(aid)
-    if sub is None:
-        raise HTTPException(status_code=404, detail="Subsidy not found")
-    if sub.get("region_id") and sub["region_id"] not in user.get("scope_region_ids", []):
-        raise HTTPException(status_code=403, detail="Forbidden: out of data scope")
-    nxt = (_SUBSIDY_NEXT.get(user.get("sub_role") or "") or {}).get(sub["status"])
-    if not nxt:
-        raise HTTPException(status_code=400, detail="当前级别不能审批该状态")
-    updated = await db.subsidies.set_status(aid, nxt)
+    from ...services.subsidy_service import SubsidyService
+
+    updated = await SubsidyService(db).approve(aid, user)
     await write_audit(db, action="subsidy.approve", resource="subsidy", resource_id=aid,
-                detail=nxt, user=user, request=request)
+                detail=updated.get("status"), user=user, request=request)
     return updated
 
 
@@ -155,12 +141,9 @@ async def gov_pay_subsidy(
     db: Database = Depends(get_db),
     user: dict = Depends(require_permission("menu:gov_data")),
 ):
-    sub = await db.subsidies.get(aid)
-    if sub is None:
-        raise HTTPException(status_code=404, detail="Subsidy not found")
-    if sub["status"] != "approved":
-        raise HTTPException(status_code=400, detail="仅已终审的补贴可发放")
-    updated = await db.subsidies.set_status(aid, "paid")
+    from ...services.subsidy_service import SubsidyService
+
+    updated = await SubsidyService(db).pay(aid)
     await write_audit(db, action="subsidy.pay", resource="subsidy", resource_id=aid,
                 user=user, request=request)
     return updated

app/api/routers/rbac_opc.py

@@ -249,17 +249,15 @@ async def opc_add_finance(
     db: Database = Depends(get_db),
     actor: dict = Depends(require_roles("opc_member")),
 ):
-    record = FinanceRecord(
-        id=new_id("fin"), user_id=actor["id"], category=req.category,
-        amount=req.amount, date=req.date or utcnow_iso()[:10], note=req.note,
-        created_at=utcnow_iso(),
+    from ...services.finance_service import FinanceService
+
+    record = await FinanceService(db).add_record(
+        user_id=actor["id"], category=req.category, amount=req.amount,
+        date=req.date or utcnow_iso()[:10], note=req.note,
     )
-    await db.session.add(record)
-    await db.session.commit()
-    await write_audit(db, action="finance.add", resource="finance", resource_id=record.id,
+    await write_audit(db, action="finance.add", resource="finance", resource_id=record["id"],
                 user=actor, request=request)
-    return {"id": record.id, "category": record.category, "amount": record.amount,
-            "date": record.date, "note": record.note}
+    return record
 
 
 @router.get("/tax", summary="OPC 税务申报")

app/infrastructure/repositories.py

@@ -964,6 +964,16 @@ class FinanceRepository:
     def __init__(self, session: AsyncSession):
         self.session = session
 
+    async def create(self, user_id: str, category: str, amount: int, date: str, note: str = "") -> dict:
+        """新增一条财务流水。"""
+        rec = FinanceRecord(
+            id=new_id("fin"), user_id=user_id, category=category, amount=amount,
+            date=date, note=note, created_at=utcnow_iso(),
+        )
+        self.session.add(rec)
+        await self.session.commit()
+        return self._to_dict(rec)
+
     async def list_by_user(self, user_id: str, category: str | None = None) -> list[dict]:
         stmt = select(FinanceRecord).where(FinanceRecord.user_id == user_id)
         if category:

app/services/finance_service.py

@@ -0,0 +1,25 @@
+# -*- coding: utf-8 -*-
+"""业务层 · 财务服务（OPC 收支流水）。
+
+业务层只处理业务逻辑，依赖基础设施层 Repository；不反向依赖接口层。
+"""
+from __future__ import annotations
+
+from ..infrastructure.repositories import Database
+
+
+class FinanceService:
+    """OPC 财务流水管理。"""
+
+    def __init__(self, db: Database):
+        self.db = db
+
+    async def add_record(self, user_id: str, category: str, amount: int, date: str, note: str = "") -> dict:
+        """记一笔收支（收入为正、支出为负由调用方给定金额符号）。"""
+        return await self.db.finance.create(
+            user_id=user_id, category=category, amount=amount,
+            date=date, note=note,
+        )
+
+    async def list_by_user(self, user_id: str, category: str | None = None) -> list[dict]:
+        return await self.db.finance.list_by_user(user_id, category)

app/services/settlement_service.py

@@ -0,0 +1,75 @@
+# -*- coding: utf-8 -*-
+"""业务层 · 结算/合同/争议/撮合服务。
+
+资金相关规则（佣金、结算、争议联动）在业务层集中，接口层瘦身。
+"""
+from __future__ import annotations
+
+from fastapi import HTTPException
+
+from ..infrastructure.repositories import Database
+
+# 平台佣金比例
+COMMISSION_RATE = 0.05
+
+
+class SettlementService:
+    """结算托管、电子合同、争议、投资撮合。"""
+
+    def __init__(self, db: Database):
+        self.db = db
+
+    async def release_escrow(self, task_id: str) -> dict:
+        """验收通过后结算：任务须 completed；无托管则兜底创建（佣金 5%）。"""
+        task = await self.db.tasks.get(task_id)
+        if task is None or task["status"] != "completed":
+            raise HTTPException(status_code=400, detail="任务未完成，不能结算")
+        escrows = await self.db.escrows.list()
+        esc = next((e for e in escrows if e["task_id"] == task_id), None)
+        if esc is None:
+            amount = max(task.get("budget_min", 0), task.get("budget_max", 0))
+            commission = int(amount * COMMISSION_RATE)
+            esc = await self.db.escrows.create(task_id, task["title"], amount, commission)
+        return await self.db.escrows.set_status(esc["id"], "released")
+
+    async def sign_contract(self, task_id: str, actor: dict, opc_id: str | None = None) -> dict:
+        """签订电子合同（幂等：已签返回现有合同）。"""
+        task = await self.db.tasks.get(task_id)
+        if task is None:
+            raise HTTPException(status_code=404, detail="Task not found")
+        existing = await self.db.contracts.get_for_task(task_id)
+        if existing is not None:
+            return existing
+        resolved_opc = opc_id or (actor["id"] if actor.get("role") == "opc_member" else "")
+        return await self.db.contracts.create(task_id, task["title"], actor["id"], resolved_opc)
+
+    async def create_dispute(self, task_id: str, actor: dict, reason: str) -> dict:
+        """发起争议并联动任务置为 disputed。"""
+        task = await self.db.tasks.get(task_id)
+        if task is None:
+            raise HTTPException(status_code=404, detail="Task not found")
+        dispute = await self.db.disputes.create(task_id, task["title"], actor["id"], reason)
+        await self.db.tasks.set_status(task_id, "disputed")
+        return dispute
+
+    async def resolve_dispute(self, dispute_id: str) -> dict:
+        dispute = await self.db.disputes.set_status(dispute_id, "resolved", resolution="平台调解结案")
+        if dispute is None:
+            raise HTTPException(status_code=404, detail="Dispute not found")
+        return dispute
+
+    async def investor_matches(self, user_id: str) -> dict:
+        """投资撮合：按投资人偏好（行业/阶段关键词）打分排序。"""
+        pref = await self.db.investor_prefs.get(user_id) or {}
+        industries = set(pref.get("industries") or [])
+        data = await self.db.portal_pages.get("investor", "projects") or {"items": []}
+        scored = []
+        for it in data.get("items", []):
+            text = f"{it.get('title', '')} {it.get('meta', '')}"
+            score = sum(10 for ind in industries if ind and ind in text)
+            if pref.get("stage") and pref["stage"] in text:
+                score += 5
+            scored.append((score, it))
+        scored.sort(key=lambda x: x[0], reverse=True)
+        return {"items": [{"title": it["title"], "meta": it["meta"], "tag": it.get("tag"),
+                           "match": min(100, s + 50)} for s, it in scored]}

app/services/subsidy_service.py

@@ -0,0 +1,42 @@
+# -*- coding: utf-8 -*-
+"""业务层 · 补贴服务（政务三级审批状态机）。"""
+from __future__ import annotations
+
+from fastapi import HTTPException
+
+from ..infrastructure.repositories import Database
+
+# 各政务级别可推进的状态映射（领域规则）
+SUBSIDY_NEXT: dict[str, dict[str, str]] = {
+    "gov_district": {"applying": "district_review"},
+    "gov_city": {"district_review": "city_review"},
+    "gov_province": {"city_review": "province_review", "province_review": "approved"},
+}
+
+
+class SubsidyService:
+    """补贴申报审批（区县→市→省→发放）。"""
+
+    def __init__(self, db: Database):
+        self.db = db
+
+    async def approve(self, aid: str, user: dict) -> dict:
+        """按级别推进补贴审批；越级/越权 403/400。"""
+        sub = await self.db.subsidies.get(aid)
+        if sub is None:
+            raise HTTPException(status_code=404, detail="Subsidy not found")
+        if sub.get("region_id") and sub["region_id"] not in user.get("scope_region_ids", []):
+            raise HTTPException(status_code=403, detail="Forbidden: out of data scope")
+        nxt = (SUBSIDY_NEXT.get(user.get("sub_role") or "") or {}).get(sub["status"])
+        if not nxt:
+            raise HTTPException(status_code=400, detail="当前级别不能审批该状态")
+        return await self.db.subsidies.set_status(aid, nxt)
+
+    async def pay(self, aid: str) -> dict:
+        """发放补贴：仅已终审（approved）可发放。"""
+        sub = await self.db.subsidies.get(aid)
+        if sub is None:
+            raise HTTPException(status_code=404, detail="Subsidy not found")
+        if sub["status"] != "approved":
+            raise HTTPException(status_code=400, detail="仅已终审的补贴可发放")
+        return await self.db.subsidies.set_status(aid, "paid")