Upload app.py

app.py

@@ -36,13 +36,39 @@ BASE_RATE    = float(os.environ.get("BASE_RATE", "2.0"))  # % per annum, configu
 
 
 def _load_policies() -> dict:
-    cfg_path = os.path.join(os.path.dirname(__file__), "config", "risk_policies.yaml")
-    with open(cfg_path, "r", encoding="utf-8") as f:
-        return yaml.safe_load(f)
-
-
-POLICIES = _load_policies()
-
+    import yaml, os
+    default_yaml = """\
+liquidity:
+  current_ratio_good: 2.0
+  current_ratio_ok: 1.5
+leverage:
+  debt_to_equity_good: 0.5
+  debt_to_equity_ok: 1.0
+coverage:
+  interest_coverage_good: 6.0
+  interest_coverage_ok: 3.0
+profitability:
+  net_margin_good: 0.1
+  net_margin_ok: 0.03
+growth:
+  revenue_growth_high: 0.2
+  revenue_growth_ok: 0.05
+"""
+    cfg_dir = os.path.join(os.path.dirname(__file__), "config")
+    cfg_path = os.path.join(cfg_dir, "risk_policies.yaml")
+    default = yaml.safe_load(default_yaml)
+    try:
+        with open(cfg_path, "r", encoding="utf-8") as f:
+            data = yaml.safe_load(f) or {}
+            # ユーザー定義があれば default に上書き
+            if isinstance(data, dict):
+                default.update(data)
+            return default
+    except FileNotFoundError:
+        os.makedirs(cfg_dir, exist_ok=True)
+        with open(cfg_path, "w", encoding="utf-8") as f:
+            f.write(default_yaml)
+        return default
 
 def analyze(files: List[gr.File], company_name: str, industry_hint: str, currency_hint: str,
             base_rate: float, want_credit: bool, want_loan: bool, want_invest: bool, debug: bool):