| |
| |
| |
| |
|
|
| import { AccountabilityCase, AuditTrail, CommitteeVote, CaseMaterial } from './types'; |
|
|
| |
| export function generateAuditHash(trail: Omit<AuditTrail, 'hash'>, prevHash: string = '0000000000000000'): string { |
| const dataStr = `${trail.id}|${trail.timestamp}|${trail.operator}|${trail.role}|${trail.actionType}|${trail.details}|${prevHash}`; |
| let hash = 0; |
| for (let i = 0; i < dataStr.length; i++) { |
| const char = dataStr.charCodeAt(i); |
| hash = (hash << 5) - hash + char; |
| hash = hash & hash; |
| } |
| return 'AUDIT-' + Math.abs(hash).toString(16).toUpperCase().padStart(8, '0'); |
| } |
|
|
| export const DEFAULT_CASES: AccountabilityCase[] = [ |
| { |
| id: 'case-001', |
| caseNo: '银问责字〔2026〕012号', |
| title: '某分行违规发放流动资金贷款造成大额损失责任问责案', |
| category: 'asset', |
| accusedName: '张建国', |
| accusedDept: '普惠金融部', |
| accusedPost: '高级客户经理', |
| incidentAmount: 1200, |
| description: '在2024年10月的“某商贸有限公司”流动资金贷款发放流程中，存在对借款人真实贸易背景核查不严、关联授信额度穿透审查不到位，导致贷款资金被挪用于股市和购房。该笔贷款现已沦为不良，本金损失达1200万元。经初步判定，张建国作为第一责任人未能履行尽职调查义务。', |
| currentStep: 2, |
| createdAt: '2026-05-10T09:00:00Z', |
| updatedAt: '2026-06-20T14:30:00Z', |
| initiatorName: '李合规', |
| investigationTeam: ['王严明', '陈调查'], |
| talkRecords: [ |
| { |
| talker: '王严明', |
| listener: '张建国', |
| date: '2026-05-15', |
| content: '就关于某商贸有限公司1200万信贷流向异常问题进行核实谈话，张建国表示贷前调查中企业提供了购销合同，但未现场核实货物物流信息及增值税发票真伪。' |
| }, |
| { |
| talker: '陈调查', |
| listener: '刘分管 (配合调查人)', |
| date: '2026-05-18', |
| content: '核实审批流程。刘分管表示信贷审批会合议中曾有委员提出贸易背景真实性存疑，但张建国作出口头保证，信贷会因此予以通过。' |
| } |
| ], |
| factMeetingDelivered: false, |
| defenseSubmitted: false, |
| defenseExplanationSubmitted: false, |
| investigationReportSubmitted: false, |
| materials: [ |
| { |
| id: 'mat-101', |
| name: '《授信尽职调查报告及审批档案》.pdf', |
| uploader: '李合规', |
| role: 'initiator', |
| uploadedAt: '2026-05-10T09:15:00Z', |
| size: '4.8 MB', |
| type: 'pdf', |
| status: 'confirmed' |
| }, |
| { |
| id: 'mat-102', |
| name: '《关于成立张建国信贷违规问题调查组的通知》.docx', |
| uploader: '李合规', |
| role: 'initiator', |
| uploadedAt: '2026-05-10T10:00:00Z', |
| size: '145 KB', |
| type: 'docx', |
| status: 'confirmed' |
| } |
| ], |
| committeeVotes: [], |
| reDeliberationVotes: [], |
| hasAppeal: false, |
| hrNotified: false, |
| auditTrail: [ |
| { |
| id: 'trail-101', |
| timestamp: '2026-05-10T09:00:00Z', |
| operator: '李合规', |
| role: 'initiator', |
| actionType: 'INITIATE', |
| details: '系统立案：发起针对张建国的违规授信问责流程，系统归类为“问题资产问责案（90天办理时限）”。', |
| ipAddress: '10.12.84.21', |
| hash: 'AUDIT-8C9B10D4' |
| }, |
| { |
| id: 'trail-102', |
| timestamp: '2026-05-10T10:00:00Z', |
| operator: '李合规', |
| role: 'initiator', |
| actionType: 'START_INVESTIGATION', |
| details: '成立问责调查组，指定王严明、陈调查为主要调查人，调查流程启动。', |
| ipAddress: '10.12.84.21', |
| hash: 'AUDIT-D8A3B2F0' |
| }, |
| { |
| id: 'trail-103', |
| timestamp: '2026-05-15T15:00:00Z', |
| operator: '王严明', |
| role: 'investigator', |
| actionType: 'TALK_RECORD', |
| details: '开展第一轮调查谈话。被谈话人：张建国。主要针对贷前尽职调查失职情况进行笔录询问。', |
| ipAddress: '10.12.91.45', |
| hash: 'AUDIT-29C381A5' |
| } |
| ] |
| }, |
| { |
| id: 'case-002', |
| caseNo: '银问责字〔2026〕015号', |
| title: '某支行柜员涉嫌信用卡非法套现及资金拆借合规违纪问责案', |
| category: 'non-asset', |
| accusedName: '赵小雅', |
| accusedDept: '新华路支行营业部', |
| accusedPost: '综合柜员', |
| incidentAmount: 35, |
| description: '赵小雅在2025年期间利用职务之便，使用多张他人的信用卡，通过其私自安装的POS机进行套现累计35万元，并将其中的20万拆借给校外贷平台收取利息。事件被分行合规条线非现场审计系统预警拦截。因属于合规违规案件，非资产损失问责，归类为“非问题资产问责（30工作日办结）”。', |
| currentStep: 4, |
| createdAt: '2026-05-20T10:30:00Z', |
| updatedAt: '2026-06-22T16:00:00Z', |
| initiatorName: '张审计', |
| investigationTeam: ['刘正直', '宋合规'], |
| talkRecords: [ |
| { |
| talker: '刘正直', |
| listener: '赵小雅', |
| date: '2026-05-25', |
| content: '就非现场审计预警的18次异常交易笔录核实。赵小雅承认利用亲属信用卡进行套现，并对拆借事实供认不讳，悔过态度良好，积极退还拆借利息。' |
| } |
| ], |
| factMeetingDelivered: true, |
| factMeetingDeliveredAt: '2026-05-28T09:00:00Z', |
| defenseSubmitted: true, |
| defenseContent: '本人赵小雅深知自身行为违反了合规守法和从业操守准则，深感懊悔。关于20万元拆借，系朋友急需周转，在5天内即全额追回，未对银行造成任何直接资金损害。本人家庭困难，母亲患病，且属初犯，恳请组织能酌情宽大处理，给予行政警告而非开除处分。', |
| defenseExplanationSubmitted: true, |
| defenseExplanationContent: '调查组对赵小雅提交的“母亲重病病历”和“20万于5天内结清并退回”的陈述进行了实地核查，情况属实。调查组建议：虽未产生本金损失，但信用卡套现及非法拆借属于严重违规禁止行为。考虑到自首、悔过和未造成损失，建议从轻问责。', |
| investigationReportSubmitted: true, |
| investigationReportContent: '《责任认定调查报告》：认定赵小雅构成严重违规操作行为，赵小雅负有直接经办责任。鉴于其退还全部违法所得且未造成资金实质损失，建议给予“记过”处分，扣减季度绩效。', |
| trialAcceptedAt: '2026-06-05T08:30:00Z', |
| trialOpinion: '审理部门对新华路支行赵小雅套现案进行了合规审理。调查程序合法，证据确凿，事实认定无误。赞同调查组的处理建议：拟给予赵小雅“记过”处分，扣发绩效奖金3个月。提交问责委员会审议。', |
| trialResult: 'agree', |
| trialOperator: '周审理', |
| committeeMeetingDate: '2026-06-25', |
| committeeVotes: [ |
| { |
| voterName: '吴委座 (委员1)', |
| choice: 'agree', |
| opinion: '程序合规，事实清楚。同意拟给予“记过”处分的意见。', |
| signedAt: '2026-06-24T09:30:00Z', |
| signatureToken: 'SIG-WU-82F31A' |
| }, |
| { |
| voterName: '郑严格 (委员2)', |
| choice: 'agree', |
| opinion: '柜员利用职务或银行卡违规套现绝不能放任，虽未造成财产损失也必须从严。同意记过处分。', |
| signedAt: '2026-06-24T11:15:00Z', |
| signatureToken: 'SIG-ZHENG-91A23D' |
| } |
| ], |
| reDeliberationVotes: [], |
| hasAppeal: false, |
| hrNotified: false, |
| materials: [ |
| { |
| id: 'mat-201', |
| name: '《事实见面确认书-经赵小雅签字》.pdf', |
| uploader: '刘正直', |
| role: 'investigator', |
| uploadedAt: '2026-05-28T14:00:00Z', |
| size: '1.2 MB', |
| type: 'pdf', |
| status: 'confirmed' |
| }, |
| { |
| id: 'mat-202', |
| name: '《赵小雅本人申辩材料》.docx', |
| uploader: '赵小雅', |
| role: 'respondent', |
| uploadedAt: '2026-05-30T10:20:00Z', |
| size: '45 KB', |
| type: 'docx', |
| status: 'submitted' |
| }, |
| { |
| id: 'mat-203', |
| name: '《申辩核查意见说明书》.docx', |
| uploader: '刘正直', |
| role: 'investigator', |
| uploadedAt: '2026-06-02T16:30:00Z', |
| size: '110 KB', |
| type: 'docx', |
| status: 'submitted' |
| }, |
| { |
| id: 'mat-204', |
| name: '《新华路支行营业部赵小雅信用卡套现案调查报告》.docx', |
| uploader: '刘正直', |
| role: 'investigator', |
| uploadedAt: '2026-06-04T09:15:00Z', |
| size: '320 KB', |
| type: 'docx', |
| status: 'submitted' |
| }, |
| { |
| id: 'mat-205', |
| name: '《问责审理意见书（合规审理部）》.pdf', |
| uploader: '周审理', |
| role: 'examiner', |
| uploadedAt: '2026-06-15T15:00:00Z', |
| size: '480 KB', |
| type: 'pdf', |
| status: 'confirmed' |
| } |
| ], |
| auditTrail: [ |
| { |
| id: 'trail-201', |
| timestamp: '2026-05-20T10:30:00Z', |
| operator: '张审计', |
| role: 'initiator', |
| actionType: 'INITIATE', |
| details: '系统立案：发起针对柜员赵小雅信用卡违规套现的合规问责流程。属于“非问题资产问责案（30个工作日办理时限）”。', |
| ipAddress: '10.12.84.12', |
| hash: 'AUDIT-A41F8301' |
| }, |
| { |
| id: 'trail-202', |
| timestamp: '2026-05-28T09:00:00Z', |
| operator: '刘正直', |
| role: 'investigator', |
| actionType: 'DELIVER_FACTS', |
| details: '向被问责人赵小雅下发《事实见面材料》，当面宣读违规行为认定。', |
| ipAddress: '10.12.91.56', |
| hash: 'AUDIT-B892F3E1' |
| }, |
| { |
| id: 'trail-203', |
| timestamp: '2026-05-30T10:20:00Z', |
| operator: '赵小雅', |
| role: 'respondent', |
| actionType: 'SUBMIT_DEFENSE', |
| details: '被问责人赵小雅提交了书面《申辩材料》，阐明家庭重病负担及悔过态度，请求从宽处理。', |
| ipAddress: '10.12.105.3', |
| hash: 'AUDIT-C218B339' |
| }, |
| { |
| id: 'trail-204', |
| timestamp: '2026-06-02T16:30:00Z', |
| operator: '刘正直', |
| role: 'investigator', |
| actionType: 'SUBMIT_DEFENSE_EXPL', |
| details: '调查组对赵小雅的申辩情况进行核查，形成《申辩意见说明书》并录入系统。', |
| ipAddress: '10.12.91.56', |
| hash: 'AUDIT-D123D8A2' |
| }, |
| { |
| id: 'trail-205', |
| timestamp: '2026-06-04T10:00:00Z', |
| operator: '刘正直', |
| role: 'investigator', |
| actionType: 'SUBMIT_REPORT', |
| details: '调查组正式撰写并录入《责任认定调查报告》，提请审理部门合规性审理。', |
| ipAddress: '10.12.91.56', |
| hash: 'AUDIT-E29D3A8F' |
| }, |
| { |
| id: 'trail-206', |
| timestamp: '2026-06-05T08:30:00Z', |
| operator: '周审理', |
| role: 'examiner', |
| actionType: 'TRIAL_ACCEPT', |
| details: '审理部门周审理受理了该案，开始合规合规审理工作。', |
| ipAddress: '10.12.82.74', |
| hash: 'AUDIT-FA82E19D' |
| }, |
| { |
| id: 'trail-207', |
| timestamp: '2026-06-15T15:00:00Z', |
| operator: '周审理', |
| role: 'examiner', |
| actionType: 'TRIAL_SUBMIT_OPINION', |
| details: '审理部门审结完毕，同意调查组结论及处分建议，出具《问责审理意见书》，流程移交问责委员会委员。', |
| ipAddress: '10.12.82.74', |
| hash: 'AUDIT-01AA83BE' |
| }, |
| { |
| id: 'trail-208', |
| timestamp: '2026-06-24T09:30:00Z', |
| operator: '吴委座 (委员1)', |
| role: 'deliberator', |
| actionType: 'COMMITTEE_VOTE', |
| details: '问责审议委员会委员 吴委座 对本案进行线上审议表决，表决意见：“同意拟记过处分”，并进行电子签名。', |
| ipAddress: '10.12.3.11', |
| hash: 'AUDIT-22FF11E5' |
| }, |
| { |
| id: 'trail-209', |
| timestamp: '2026-06-24T11:15:00Z', |
| operator: '郑严格 (委员2)', |
| role: 'deliberator', |
| actionType: 'COMMITTEE_VOTE', |
| details: '问责审议委员会委员 郑严格 对本案进行线上审议表决，表决意见：“同意拟记过处分，并建议全行通报”，进行电子签名。', |
| ipAddress: '10.12.3.12', |
| hash: 'AUDIT-33E1D49D' |
| } |
| ] |
| }, |
| { |
| id: 'case-003', |
| caseNo: '银问责字〔2026〕009号', |
| title: '某分行超权限审批并违规发放固定资产贷款责任问责案', |
| category: 'asset', |
| accusedName: '林海波', |
| accusedDept: '公司金融总部', |
| accusedPost: '总经理', |
| incidentAmount: 4500, |
| description: '林海波在担任公司金融总部总经理期间，在“某文旅小镇建设开发项目”固定资产贷款授信过程中，明知该项目未取得政府土地规划批文、项目自筹资金未按比例到位，通过化整为零、超权限分拆审批的方式，违规批复并放款4500万元。该项目目前已完全停工，我行资金面临巨大损失风险。', |
| currentStep: 6, |
| createdAt: '2026-04-01T08:00:00Z', |
| updatedAt: '2026-06-23T11:00:00Z', |
| initiatorName: '高风控', |
| investigationTeam: ['谢调查', '胡合规'], |
| talkRecords: [], |
| factMeetingDelivered: true, |
| factMeetingDeliveredAt: '2026-04-15T10:00:00Z', |
| defenseSubmitted: true, |
| defenseContent: '林海波申辩：该文旅小镇项目系当年省、市两级重点招商引资工程，时间紧急。分拆审批系为了顺应当地政府推进项目的窗口期，主观并无恶意。且由于后续政策调整才导致停工。本人不应对客观政策变动导致的不良承担全部直接问责责任。', |
| defenseExplanationSubmitted: true, |
| defenseExplanationContent: '调查组核查指出：省、市招商引资不能作为对抗商业银行授信合规底线的理由。超权限拆分审批属于明知故犯。政策变化属于外部风险，但不免除贷前准入审查重大失职责任。驳回免责申辩。', |
| investigationReportSubmitted: true, |
| investigationReportContent: '《责任认定调查报告》：认定林海波对超权限分拆审批行为承担“主要领导责任”及“直接责任”。建议给予“撤职、降级”处分，扣减全部年终绩效奖金，并调离关键岗位。', |
| trialAcceptedAt: '2026-05-10T11:00:00Z', |
| trialOpinion: '审理部门合规审理：认定程序合法、事实清楚、证据链完整。赞同调查组认定：林海波负主要领导及直接管理责任。赞同拟给予“撤职、降级”处分的意见。', |
| trialResult: 'agree', |
| trialOperator: '周审理', |
| committeeMeetingDate: '2026-06-02', |
| committeeVotes: [ |
| { |
| voterName: '吴委座 (委员1)', |
| choice: 'agree', |
| opinion: '超权限拆分审批严重挑战合规底线，金额巨大，建议顶格处理。同意撤职、降级处分。', |
| signedAt: '2026-06-02T15:00:00Z', |
| signatureToken: 'SIG-WU-392F1C' |
| }, |
| { |
| voterName: '郑严格 (委员2)', |
| choice: 'agree', |
| opinion: '涉案金额达4500万，性质恶劣，同意撤职降级。必须树立合规红线。', |
| signedAt: '2026-06-02T15:30:00Z', |
| signatureToken: 'SIG-ZHENG-119D3E' |
| }, |
| { |
| voterName: '王中立 (委员3)', |
| choice: 'agree', |
| opinion: '赞成撤职及降级。建议将其违规事实全系统通报，起到警示教育作用。', |
| signedAt: '2026-06-02T16:00:00Z', |
| signatureToken: 'SIG-WANG-928A4F' |
| } |
| ], |
| notificationDeliveredAt: '2026-06-15T09:00:00Z', |
| hasAppeal: true, |
| appealReason: '本人对撤职及降级合并处分不服。第一，化整为零分拆授信系分行集体决策，在总经理办公会中全票通过，本人不应承担全部主要责任。第二，撤职并降级属于双重处分，明显过重。特提出申诉，请求对责任划分进行重新复查。', |
| appealSubmittedAt: '2026-06-23T11:00:00Z', |
| materials: [ |
| { |
| id: 'mat-301', |
| name: '《项目拆分审批专项审计证据链》.pdf', |
| uploader: '高风控', |
| role: 'initiator', |
| uploadedAt: '2026-04-01T09:00:00Z', |
| size: '12.4 MB', |
| type: 'pdf', |
| status: 'confirmed' |
| }, |
| { |
| id: 'mat-302', |
| name: '《林海波超权限违规授信案责任认定调查报告》.docx', |
| uploader: '谢调查', |
| role: 'investigator', |
| uploadedAt: '2026-04-28T10:00:00Z', |
| size: '1.5 MB', |
| type: 'docx', |
| status: 'submitted' |
| }, |
| { |
| id: 'mat-303', |
| name: '《问责委员会会议纪要-第6次会议》.pdf', |
| uploader: '吴委座 (委员1)', |
| role: 'deliberator', |
| uploadedAt: '2026-06-03T10:00:00Z', |
| size: '890 KB', |
| type: 'pdf', |
| status: 'confirmed' |
| }, |
| { |
| id: 'mat-304', |
| name: '《林海波个人书面申诉书》.docx', |
| uploader: '林海波', |
| role: 'respondent', |
| uploadedAt: '2026-06-23T11:00:00Z', |
| size: '88 KB', |
| type: 'docx', |
| status: 'submitted' |
| } |
| ], |
| reDeliberationVotes: [], |
| hrNotified: false, |
| auditTrail: [ |
| { |
| id: 'trail-301', |
| timestamp: '2026-04-01T08:00:00Z', |
| operator: '高风控', |
| role: 'initiator', |
| actionType: 'INITIATE', |
| details: '系统立案：发起针对林海波超权限审批固定资产贷款责任问责。分类为“问题资产问责案（90天时限）”。', |
| ipAddress: '10.12.84.18', |
| hash: 'AUDIT-6B22F113' |
| }, |
| { |
| id: 'trail-302', |
| timestamp: '2026-04-15T10:00:00Z', |
| operator: '谢调查', |
| role: 'investigator', |
| actionType: 'DELIVER_FACTS', |
| details: '送达《事实见面材料》予被问责人林海波，并现场记录其辩词。', |
| ipAddress: '10.12.91.49', |
| hash: 'AUDIT-7A92C3D1' |
| }, |
| { |
| id: 'trail-303', |
| timestamp: '2026-04-28T10:00:00Z', |
| operator: '谢调查', |
| role: 'investigator', |
| actionType: 'SUBMIT_REPORT', |
| details: '撰写并提交《责任认定调查报告》，移交审理。', |
| ipAddress: '10.12.91.49', |
| hash: 'AUDIT-892F13C8' |
| }, |
| { |
| id: 'trail-304', |
| timestamp: '2026-05-10T11:00:00Z', |
| operator: '周审理', |
| role: 'examiner', |
| actionType: 'TRIAL_ACCEPT', |
| details: '审理部门受理案件，并开始审理流程。', |
| ipAddress: '10.12.82.74', |
| hash: 'AUDIT-91B2F3D4' |
| }, |
| { |
| id: 'trail-305', |
| timestamp: '2026-05-25T14:00:00Z', |
| operator: '周审理', |
| role: 'examiner', |
| actionType: 'TRIAL_SUBMIT_OPINION', |
| details: '完成审理，出具《审理意见书》，建议维持“撤职、降级”处分，呈送问责审议委员会。', |
| ipAddress: '10.12.82.74', |
| hash: 'AUDIT-A28F3C1E' |
| }, |
| { |
| id: 'trail-306', |
| timestamp: '2026-06-02T16:00:00Z', |
| operator: '吴委座 (委员1)', |
| role: 'deliberator', |
| actionType: 'COMMITTEE_VOTE', |
| details: '问责委员会召开全体会议审议，吴委座、郑严格、王中立等3位委员签署表决意见。全票通过“撤职、降级”处分。', |
| ipAddress: '10.12.3.11', |
| hash: 'AUDIT-B292D3E5' |
| }, |
| { |
| id: 'trail-307', |
| timestamp: '2026-06-15T09:00:00Z', |
| operator: '周审理', |
| role: 'examiner', |
| actionType: 'DELIVER_NOTIFICATION', |
| details: '向林海波正式下达《问责审议决定通知书》，开启10个工作日申诉窗口期。', |
| ipAddress: '10.12.82.74', |
| hash: 'AUDIT-C381E29F' |
| }, |
| { |
| id: 'trail-308', |
| timestamp: '2026-06-23T11:00:00Z', |
| operator: '林海波', |
| role: 'respondent', |
| actionType: 'APPEAL', |
| details: '被问责人林海波不服撤职、降级处分，通过系统正式提交《书面申诉书》，流程转入“申诉复查”阶段。', |
| ipAddress: '10.12.105.15', |
| hash: 'AUDIT-D293C1A2' |
| } |
| ] |
| } |
| ]; |
|
|
| export function loadCases(): AccountabilityCase[] { |
| const data = localStorage.getItem('bank_accountability_cases'); |
| if (data) { |
| try { |
| return JSON.parse(data); |
| } catch (e) { |
| console.error('Failed to parse cases from localStorage, reverting to defaults', e); |
| } |
| } |
| saveCases(DEFAULT_CASES); |
| return DEFAULT_CASES; |
| } |
|
|
| export function saveCases(cases: AccountabilityCase[]) { |
| localStorage.setItem('bank_accountability_cases', JSON.stringify(cases)); |
| } |
|
|
