feat: 量化引擎加固 — 新增测试 + 数据/因子/回测层优化

- 新增 finance/tests/ 6 个测试套件（agents/backtest/dao_upsert/factors/features/fundamental_lookahead）
- 数据层: data_manager / dao 优化，新增 upsert 逻辑
- 因子层: 基本面因子抽象定位 _mapping、ROE/PE/PB 重构
- 回测层: vectorbt/engine 大改动（251 行），report 增强
- ML 层: features/backtest_integration 特征工程与回测优化
- CLI: agent_cli 重构
- config/settings 扩充配置项

finance/agents/risk_agent.py

@@ -8,6 +8,9 @@ import numpy as np
 import pandas as pd
 
 from agents.base import BaseAgent
+from config.settings import (
+    RISK_THRESHOLDS, RISK_EXPOSURE, RISK_MAX_SINGLE, RISK_STOP_LOSS,
+)
 
 
 class RiskAgent(BaseAgent):
@@ -16,11 +19,8 @@ class RiskAgent(BaseAgent):
     name = "Risk"
     description = "仓位控制与风险预警"
 
-    # 风险等级阈值
-    THRESHOLDS = {
-        "high": {"vol": 35, "dd": -15},
-        "medium": {"vol": 25, "dd": -8},
-    }
+    # 风险等级阈值（来自配置中心）
+    THRESHOLDS = RISK_THRESHOLDS
 
     def execute(
         self,
@@ -55,24 +55,22 @@ class RiskAgent(BaseAgent):
         peak = close.expanding().max()
         current_dd = float((close.iloc[-1] / peak.iloc[-1] - 1) * 100)
 
-        # 风险等级
+        # 风险等级 & 仓位（参数来自配置中心）
         if market_vol > self.THRESHOLDS["high"]["vol"] or current_dd < self.THRESHOLDS["high"]["dd"]:
             risk_level = "high"
-            target_exposure = 0.30
         elif market_vol > self.THRESHOLDS["medium"]["vol"] or current_dd < self.THRESHOLDS["medium"]["dd"]:
             risk_level = "medium"
-            target_exposure = 0.60
         else:
             risk_level = "low"
-            target_exposure = 0.85
+        target_exposure = RISK_EXPOSURE[risk_level]
 
         # 最近 N 日涨跌
         ret_5d = float(close.pct_change(5).iloc[-1] * 100) if len(close) >= 6 else 0
         ret_20d = float(close.pct_change(20).iloc[-1] * 100) if len(close) >= 21 else 0
 
-        # 单票上限（风险越高越集中）
-        max_single = 0.15 if risk_level == "low" else (0.10 if risk_level == "medium" else 0.05)
-        stop_loss = -0.05 if risk_level == "low" else (-0.08 if risk_level == "medium" else -0.12)
+        # 单票上限（风险越高越集中）与止损线
+        max_single = RISK_MAX_SINGLE[risk_level]
+        stop_loss = RISK_STOP_LOSS[risk_level]
 
         # 持仓预警
         alerts = []