Update core/external_scoring.py

core/external_scoring.py

@@ -285,4 +285,50 @@ def score_external_from_df(df: pd.DataFrame) -> Dict[str, Any]:
     sc_mb += 2.0 if mainbank else (-0.5 if mainbank is False else 0)
     sc_mb += 1.0 if has_line else 0
     sc_mb = _clamp(sc_mb,0,10)
-    _a_
+    _add(items,"安定性","金融取引", sc_mb, _WEIGHTS[("安定性","金融取引")],
+         f"メイン{'有' if mainbank else '無' if mainbank is False else '—'}/与信枠{'有' if has_line else '無' if has_line is False else '—'}")
+
+    _add(items,"安定性","資産担保余力", _ramp(_ratio(collat, sales_m2),4.0,0.0),
+         _WEIGHTS[("安定性","資産担保余力")], f"担保/月商≈—")
+
+    _add(items,"安定性","取引先",
+         ( _ramp(-(top1 or 50),0,-80) +
+           _ramp(cust_score,80,50) +
+           _ramp(-(npl_cnt or 1),0,-3) )/3,
+         _WEIGHTS[("安定性","取引先")],
+         f"上位1社{top1 or '—'}%/信用{cust_score or '—'}/不良{int(npl_cnt or 0)}")
+
+    _add(items,"安定性","業歴", _ramp(years,20,1),
+         _WEIGHTS[("安定性","業歴")], f"{years or '—'}年")
+
+    # 公平性
+    sc_dis = 0.0
+    has_sec = _to_bool(ref("有価証券報告書提出企業か(TRUE/FALSE)"))
+    sc_dis += 10.0 if has_sec else 0.0
+    if sc_dis == 0.0:
+        pub_off = _to_bool(ref("決算公告や官報での公開あり(TRUE/FALSE)"))
+        pub_web = _to_bool(ref("HP/IRサイトで財務資料公開あり(TRUE/FALSE)"))
+        sc_dis += 7.0 if (pub_off or pub_web) else 4.0
+    upd_on = _to_bool(ref("直近更新が定め通りか(TRUE/FALSE)"))
+    if upd_on: sc_dis += 1.0
+    sc_dis = _clamp(sc_dis,0,10)
+    _add(items,"公平性・総合世評","ディスクロージャー", sc_dis,
+         _WEIGHTS[("公平性・総合世評","ディスクロージャー")],
+         f"{'有報' if has_sec else '公開あり' if sc_dis>=7.0 else '公開乏しい'} / 更新{'◯' if upd_on else '—'}")
+
+    total = round(sum(x["score"] for x in items),1)
+
+    from collections import defaultdict
+    cat_sum, cat_w = defaultdict(float), defaultdict(float)
+    for it in items:
+        cat_sum[it["category"]] += it["score"]
+        cat_w[it["category"]] += it["weight"]
+    cat_scores = {c: round((cat_sum[c] / cat_w[c]) * 100.0 if cat_w[c] > 0 else 0.0, 1) for c in cat_sum}
+
+    return {
+        "name": "企業評価（外部・定量）",
+        "external_total": total,
+        "items": items,
+        "category_scores": cat_scores,
+        "notes": "欠損は中立＋市場成長/商品構成を反映。ストレッチでばらつきを拡大。",
+    }