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核保模型，实现风险评级、承保决策及简化广义线性模型（GLM）。适用于精算教学示例与核保流程演示；基于简化规则引擎，不适用于正式核保决策或产品上架。
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| name | underwriting-model |
| description | 核保模型，实现风险评级、承保决策及简化广义线性模型（GLM）。适用于精算教学示例与核保流程演示；基于简化规则引擎，不适用于正式核保决策或产品上架。 |
| version | 1.0.0 |
| author | wangyi |
核保模型工具，实现风险评级、承保决策及简化广义线性模型（GLM）。
📌 说明：本工具基于简化模型实现，仅使用 Python 标准库。结果仅供学习参考，不构成投资建议或交易依据。
risk_scoring(risk_factors, factor_weights, factor_levels=None)风险评分计算。 必填: risk_factors, factor_weights
risk_grading(score, grade_table=None)根据风险得分映射风险等级。 必填: score
underwriting_decision(risk_grade, additional_rules=None)承保决策。 必填: risk_grade
simplified_glm(features, coefficients, intercept=0.0, link_function='logit')简化广义线性模型预测。 必填: features, coefficients
full_underwriting(risk_factors, factor_weights, glm_coefficients=None, glm_intercept=0.0, additional_rules=None)完整核保流程。 必填: risk_factors, factor_weights
python scripts/main.py \
--risk-factors <risk_factors> \
--factor-weights <factor_weights> \
--glm-coefficients <glm_coefficients> \
--glm-intercept <glm_intercept> \
--additional-rules <additional_rules>