refactor: phase 0-2 MoFin architecture reform — single source of truth

Phase 0 (止血):
- mo_models.py: unified calc_total_assets(), is_hk_stock(), get_hk_rate() — single source of truth
- Fixed 3 files missing frozen_cash: holdings_reconciliation, server, import_holding_xls
- Fixed stale_push_wlin: unified is_hk_stock detection, removed hardcoded 0.866
- Fixed price_monitor: consolidated 2 duplicate total_assets blocks into mo_models calls
- Fixed stock_scorer: replaced broken len()<=5 is_hk_stock heuristic
- Fixed strategy_lifecycle: replaced non-existent currency_utils import with mo_models

Phase 1 (DSA adapter):
- mo_provider.py: wraps DSA DataFetcherManager (16 fetchers, auto-fallback)
  - TDX relay as primary, DSA as backup for realtime/kline/news/fundamentals

Phase 2 (Integration):
- mo_bridge.py: injects DSA market review + news context into MoFin analysis prompts
- Graceful degradation if DSA not installed

Infrastructure:
- mo_config.py: centralized Config singleton replacing scattered hardcoded paths
- All 11 changed files pass python compile check

Impact: total_assets now computed in ONE place (mo_models).
        is_hk_stock now ONE implementation (no more false negatives).
        HK rate now ONE source (hk_rate API → cache → 0.87 fallback).
        No more hardcoded 0.866/0.8664/0.8700 divergence.

scripts/holdings_reconciliation.py

@@ -89,13 +89,11 @@ def main():
             dec["decisions"].append(stub)
             changes.append(f"  {stub['name']}({code}): decisions新增持仓({h['shares']}股,来自portfolio)")
 
-    # 3. Recalculate total_assets in portfolio
-    stock_value = 0
-    for h in pf.get("holdings", []):
-        if h.get("shares", 0) > 0 and h.get("price", 0) > 0:
-            stock_value += h["shares"] * h["price"]
-    cash = pf.get("cash", 0)
-    total_assets = round(stock_value + cash, 2)
+    # 3. Recalculate total_assets in portfolio (use mo_models for unified formula)
+    import sys, os
+    sys.path.insert(0, os.path.dirname(os.path.dirname(os.path.abspath(__file__))))
+    from mo_models import calc_total_assets
+    total_assets = calc_total_assets(pf)
     dec_total = 0
     for d in dec.get("decisions", []):
         if d.get("shares", 0) > 0 and d.get("price", 0) > 0:

scripts/import_holding_xls.py

@@ -88,9 +88,10 @@ def main():
         print("   holding文件不含现金行，必须手动提供。可以用:")
         print(f"     python3 import_holding_xls.py --cash 73758.0")
 
-    # Use provided values or calculate
+    # Use provided values or calculate (unified formula includes frozen_cash)
     if total_assets <= 0:
-        total_assets = total_mv_cny + cash
+        frozen_cash = float(args.get('frozen', pf.get('frozen_cash', 0)) or 0)
+        total_assets = total_mv_cny + cash + frozen_cash
     if market_value <= 0:
         market_value = round(total_mv_cny, 2)
     

scripts/stale_push_wlin.py

@@ -20,6 +20,26 @@ import threading
 import time
 from datetime import datetime, time
 
+# ── MoFin unified model import ──────────────────────────────────────
+sys.path.insert(0, os.path.dirname(os.path.dirname(os.path.abspath(__file__))))
+try:
+    from mo_models import is_hk_stock, get_hk_rate, to_cny, calc_total_assets
+    _USE_MO_MODELS = True
+except ImportError:
+    _USE_MO_MODELS = False
+    def is_hk_stock(code):
+        code = str(code or '').strip().upper()
+        return len(code) == 5 and code.isdigit() and code[0] in ('0', '1')
+    def get_hk_rate():
+        return 0.87
+    def to_cny(price, code):
+        if price is None: return price
+        if is_hk_stock(code): return round(float(price) * get_hk_rate(), 2)
+        return price
+    def calc_total_assets(pf):
+        total_mv = sum((h.get('shares',0) or 0) * (h.get('price',0) or 0) for h in pf.get('holdings',[]))
+        return round(total_mv + (pf.get('cash',0) or 0) + (pf.get('frozen_cash',0) or 0), 2)
+
 # 市场时段检查
 _MARKET_HOURS = {
     'ashare': (time(9, 30), time(15, 0)),
@@ -246,14 +266,9 @@ def hk_lot_size(code):
 def lot_cost(code, price):
     if str(code).startswith("688"):
         return 200 * price
-    elif len(str(code)) == 5:
+    elif is_hk_stock(code):
         lot = hk_lot_size(code)
-        try:
-            sys.path.insert(0, '/home/hmo/MoFin')
-            from hk_rate import hkd_to_cny
-            rate = hkd_to_cny()
-        except Exception:
-            rate = 0.87
+        rate = get_hk_rate()
         return int(lot * price * rate)
     else:
         return 100 * price
@@ -487,13 +502,8 @@ def main():
         # 直接取 portfolio.json 的总资产（导入时已做港币→人民币换算）
         total_assets = pf.get("total_assets", 0) or 0
         if total_assets <= 0:
-            # fallback: 手动算
-            for h in pf.get("holdings", []):
-                mv = h.get("shares", 0) * h.get("price", 0)
-                if len(str(h.get("code", ""))) <= 5:  # 港股
-                    mv *= 0.866
-                total_assets += mv
-            total_assets += available_cash
+            # fallback: use unified calc_total_assets from mo_models
+            total_assets = calc_total_assets(pf)
     except Exception:
         total_assets = available_cash * 5  # fallback
 
@@ -599,9 +609,7 @@ def main():
             if hs <= 0 or hp <= 0:
                 continue
             hmv = hs * hp
-            h_code = str(h.get("code", ""))
-            if len(h_code) <= 5:
-                hmv *= 0.866  # approximate HKD→CNY
+            # 港股价格已是 CNY（price_monitor 写入时已转），不需要再乘汇率
             hpl_pct = (hp - hc) / hc * 100 if hc else 0
             
             # 6维全面评分（越低越差，越建议卖）

scripts/stock_scorer.py

@@ -136,14 +136,9 @@ def rank_by_outlook(holdings_list, decisions_data):
     return results
 
 
-def is_hk_stock(code):
-    """判断是否为港股（港股通标的代码通常5位）"""
-    return len(str(code)) <= 5
-
-
-def is_a_stock(code):
-    """判断是否为A股（6位代码）"""
-    return len(str(code)) == 6
+import sys, os
+sys.path.insert(0, os.path.dirname(os.path.dirname(os.path.abspath(__file__))))
+from mo_models import is_hk_stock, is_a_stock
 
 
 def settlement_delay_note(sell_code, buy_code):