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@ -9,10 +9,14 @@ import com.yxt.anrui.riskcenter.api.loansolutionsotherpolicy.LoanSolutionsOtherp |
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import com.yxt.anrui.riskcenter.biz.loansolutionsdetail.LoanSolutionsDetailService; |
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import com.yxt.anrui.riskcenter.biz.loansolutionsotherpolicy.LoanSolutionsOtherpolicyService; |
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import com.yxt.common.base.service.MybatisBaseService; |
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import com.yxt.common.base.utils.StringUtils; |
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import com.yxt.common.core.result.ResultBean; |
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import org.springframework.beans.factory.annotation.Autowired; |
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import org.springframework.stereotype.Service; |
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import java.math.BigDecimal; |
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import java.math.BigInteger; |
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/** |
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* Project: anrui-riskcenter(风控中心) <br/> |
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* File: LoanSolutionsService.java <br/> |
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@ -44,43 +48,265 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper |
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public ResultBean saveDto(SolutionsDto dto) { |
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ResultBean rb = ResultBean.fireFail(); |
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//验证必填
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//融资项目总额
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//首付比例
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//首付金额 = 首付比例*融资项目总额
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//产品贷款金额 = 融资项目总额-首付比例
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//贷款保证金比例
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//贷款保证金 = 贷款金额*保证金比例
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//厂家贴息
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//年利率计算
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//月还金额计算
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//利息总额计算
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//查询金融方案
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String saleOrderSid = dto.getSaleOrderSid(); |
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LoanSolutions loanSolutions = baseMapper.selectBySaleOrderSid(saleOrderSid); |
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if (loanSolutions == null) { |
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loanSolutions = new LoanSolutions(); |
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//自营非担保和贷款的需要填写金融方案
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if ("1".equals(dto.getTypeKey()) || StringUtils.isBlank(dto.getTypeKey())) { |
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//融资项目总额 = 主车发票价+融资票据+挂车+保险+购置税+车损上浮
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BigDecimal loanTotal = new BigDecimal(BigInteger.ZERO); |
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//主车发票价
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String mainVehicleAmount = dto.getMainVehicleAmount(); |
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if (StringUtils.isNotBlank(mainVehicleAmount)) { |
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loanTotal = loanTotal.add(new BigDecimal(mainVehicleAmount)); |
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} |
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//融资票据
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String accessoriesAmount = dto.getAccessoriesAmount(); |
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if (StringUtils.isNotBlank(accessoriesAmount)) { |
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loanTotal = loanTotal.add(new BigDecimal(accessoriesAmount)); |
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} |
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//挂车
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String trailerAmount = dto.getTrailerAmount(); |
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if (StringUtils.isNotBlank(trailerAmount)) { |
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loanTotal = loanTotal.add(new BigDecimal(trailerAmount)); |
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} |
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//购置税
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String purchaseTax = dto.getPurchaseTax(); |
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if (StringUtils.isNotBlank(purchaseTax)) { |
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loanTotal = loanTotal.add(new BigDecimal(purchaseTax)); |
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} |
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//保险金额
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String premium = dto.getPremium(); |
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if (StringUtils.isNotBlank(premium)) { |
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loanTotal = loanTotal.add(new BigDecimal(premium)); |
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} |
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//车损上浮
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String vehDamageFloat = dto.getVehDamageFloat(); |
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if (StringUtils.isNotBlank(vehDamageFloat)) { |
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loanTotal = loanTotal.add(new BigDecimal(vehDamageFloat)); |
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} |
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//首付款比例
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String downPayRatio = dto.getDownPayRatio(); |
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//首付金额
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BigDecimal downPayAmount = new BigDecimal(BigInteger.ZERO); |
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//首付金额 = 融资项目总*首付比例（可调整）
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if (StringUtils.isBlank(downPayRatio)) { |
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return rb.setMsg("首付款比例不能为空"); |
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} else { |
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if (StringUtils.isBlank(dto.getDownPayAmount())) { |
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downPayAmount = loanTotal.multiply(new BigDecimal(downPayRatio)).divide(new BigDecimal("100")); |
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} else { |
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downPayAmount = new BigDecimal(dto.getDownPayAmount()); |
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} |
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} |
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int loanPeriod = dto.getLoanPeriod(); |
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//产品贷款金额 = 融资项目总额-首付金额
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BigDecimal loanAmount = loanTotal.subtract(downPayAmount); |
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//贷款保证金比例
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String bondRatio = dto.getBondRatio(); |
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//贷款保证金 = 贷款金额*贷款保证金比例（可调整）
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BigDecimal bondAmount = new BigDecimal(BigInteger.ZERO); |
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if (StringUtils.isBlank(bondRatio)) { |
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return rb.setMsg("贷款保证金比例不能为空"); |
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} else { |
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if (StringUtils.isBlank(dto.getBondAmount())) { |
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bondAmount = loanAmount.multiply(new BigDecimal(bondRatio)).divide(new BigDecimal("100")); |
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} else { |
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bondAmount = new BigDecimal(dto.getBondAmount()); |
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} |
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} |
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//厂家贴息
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String factoryDiscount = dto.getFactoryDiscount(); |
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//年利率 =
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String policyYearRatio = dto.getPolicyYearRatio(); |
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//月还金额
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String loanPayMoney = dto.getLoanPayMoney(); |
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//利息总额 = 贷款利息总额+利息总额
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BigDecimal interest = new BigDecimal(BigInteger.ZERO); |
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//利息总额
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String loanInterest = dto.getLoanInterest(); |
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if (StringUtils.isNotBlank(loanInterest)) { |
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interest = interest.add(new BigDecimal(loanInterest)); |
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} |
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//==================================其它融
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//其它融名称
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String otherPolicyName = dto.getOtherPolicyName(); |
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//其它融贷款金额
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BigDecimal otherPolicyAmount = new BigDecimal(BigInteger.ZERO); |
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if (StringUtils.isNotBlank(dto.getOtherPolicyAmount())) { |
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otherPolicyAmount = new BigDecimal(dto.getOtherPolicyAmount()); |
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} |
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//其它融期数
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int otherPolicyPeriod = dto.getOtherPolicyPeriod(); |
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//其它融月还
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String otherPolicyMonthlyRepay = dto.getOtherPolicyMonthlyRepay(); |
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//其它融利息总额
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String otherPolicyInterest = dto.getOtherPolicyInterest(); |
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if (StringUtils.isNotBlank(otherPolicyInterest)) { |
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interest = interest.add(new BigDecimal(otherPolicyInterest)); |
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} |
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//==================================方案汇总
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//融资首付 = 首付金额-其它融贷款金额
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BigDecimal loanDownPay = downPayAmount.subtract(otherPolicyAmount); |
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//期数 = 其它融期数/剩余期数
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int periods = loanPeriod - otherPolicyPeriod; |
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String period = otherPolicyInterest + "/" + periods; |
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//总贷款金额 = 产品贷款金额+其它融贷款金额
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BigDecimal loanAmountTotal = loanAmount.add(otherPolicyAmount); |
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//月还金额 = 总月还/贷款月还
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String monthlyRepay = dto.getLoanPayMoney() + "/" + dto.getOtherPolicyMonthlyRepay(); |
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//预计首期还款日
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String returnTime = dto.getReturnTime(); |
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//====================================应收明细
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//应收合计 = 融资首付+贷款保证金+保险保证金+落户保证金+服务费+代收意外险+补车价+上牌费+运管费+其它费用
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BigDecimal receivableTotal = new BigDecimal(BigInteger.ZERO); |
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//融资首付 = 首付金额-其它融贷款金额
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BigDecimal downPayAmounts = new BigDecimal(BigInteger.ZERO); |
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downPayAmounts = loanDownPay; |
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//贷款保证金
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String bondAmounts = dto.getBondAmounts(); |
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if (StringUtils.isNotBlank(bondAmounts)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(bondAmounts)); |
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} |
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//保险保证金
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String depositPremium = dto.getDepositPremium(); |
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if (StringUtils.isNotBlank(depositPremium)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(depositPremium)); |
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} |
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//落户保证金
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String depositSettle = dto.getDepositSettle(); |
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if (StringUtils.isNotBlank(depositSettle)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(depositPremium)); |
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} |
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//服务费
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String serviceAmount = dto.getServiceAmount(); |
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if (StringUtils.isNotBlank(serviceAmount)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(serviceAmount)); |
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} |
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//代收意外险
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String proxyAccidentPremium = dto.getProxyAccidentPremium(); |
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if (StringUtils.isNotBlank(proxyAccidentPremium)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(proxyAccidentPremium)); |
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} |
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//上牌费
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String registerAmount = dto.getRegisterAmount(); |
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if (StringUtils.isNotBlank(registerAmount)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(registerAmount)); |
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} |
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//运管费
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String operationAmount = dto.getOperationAmount(); |
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if (StringUtils.isNotBlank(operationAmount)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(operationAmount)); |
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} |
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//补车价
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String vehOtherPrice = dto.getVehOtherPrice(); |
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if (StringUtils.isNotBlank(vehOtherPrice)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(vehOtherPrice)); |
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} |
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//其它费用
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String otherAmount = dto.getOtherAmount(); |
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if (StringUtils.isNotBlank(otherAmount)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(otherAmount)); |
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} |
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//其它费用说明
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String otherAmountRemark = dto.getOtherAmountRemark(); |
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//办理方式选择
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String dealWay = dto.getDealWay(); |
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//代收首年保险费
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String proxyPremium = dto.getProxyPremium(); |
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if (StringUtils.isNotBlank(proxyPremium)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(proxyPremium)); |
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} |
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//代收购置费
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String proxyPurchasetax = dto.getProxyPurchasetax(); |
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if (StringUtils.isNotBlank(proxyPurchasetax)) { |
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receivableTotal = receivableTotal.add(new BigDecimal(proxyPurchasetax)); |
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} |
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//抵顶费用合计 = 抵顶首年保险费+抵顶购置税
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BigDecimal offsetTotal = new BigDecimal(BigInteger.ZERO); |
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//抵顶首年保险费
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String offsetPremium = dto.getOffsetPremium(); |
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if (StringUtils.isNotBlank(offsetPremium)) { |
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offsetTotal = offsetTotal.add(new BigDecimal(offsetPremium)); |
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} |
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//抵顶购置税
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String offsetPurchasetax = dto.getOffsetPurchasetax(); |
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if (StringUtils.isNotBlank(offsetPurchasetax)) { |
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offsetTotal = offsetTotal.add(new BigDecimal(offsetPurchasetax)); |
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} |
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//实收合计 = 应收合计-抵顶合计
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BigDecimal realTotal = receivableTotal.subtract(offsetTotal); |
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//车辆总价
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String vehTotalPrice = dto.getVehTotalPrice(); |
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//名义留购价
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String nominalPrice = dto.getNominalPrice(); |
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//查询金融方案
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LoanSolutions loanSolutions = baseMapper.selectBySaleOrderSid(dto.getSaleOrderSid()); |
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if (loanSolutions != null) { |
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//删除该销售订单的
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baseMapper.deleteByOrderSid(dto.getSaleOrderSid()); |
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loanSolutionsOtherpolicyService.deleteByLoanSid(loanSolutions.getSid()); |
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loanSolutionsDetailService.deleteByLoanSid(loanSolutions.getSid()); |
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} |
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BeanUtil.copyProperties(dto, loanSolutions); |
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//融资项目总额
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loanSolutions.setLoanTotal(loanTotal); |
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//首付金额
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loanSolutions.setDownPayAmount(downPayAmount); |
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//产品贷款金额
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loanSolutions.setLoanAmount(loanAmount); |
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//贷款保证金
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loanSolutions.setBondAmount(bondAmount); |
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baseMapper.insert(loanSolutions); |
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//其他融
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LoanSolutionsOtherpolicy loanSolutionsOtherpolicy = new LoanSolutionsOtherpolicy(); |
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loanSolutionsOtherpolicy.setSolutionsSid(loanSolutions.getSid()); |
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BeanUtil.copyProperties(dto, loanSolutionsOtherpolicy); |
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//其它融贷款金额
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loanSolutionsOtherpolicy.setOtherPolicyAmount(otherPolicyAmount); |
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//方案汇总：融资首付
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loanSolutionsOtherpolicy.setLoanDownPay(loanDownPay); |
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//总贷款金额
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loanSolutionsOtherpolicy.setLoanAmountTotal(loanAmountTotal); |
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//期数
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loanSolutionsOtherpolicy.setPeriod(period); |
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//月还金额
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loanSolutionsOtherpolicy.setMonthlyRepay(monthlyRepay); |
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//利息总额
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loanSolutionsOtherpolicy.setInterest(interest); |
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loanSolutionsOtherpolicyService.insert(loanSolutionsOtherpolicy); |
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//费用明细
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LoanSolutionsDetail loanSolutionsDetail = new LoanSolutionsDetail(); |
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loanSolutionsDetail.setSolutionsSid(loanSolutions.getSid()); |
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BeanUtil.copyProperties(dto, loanSolutionsDetail); |
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loanSolutionsDetail.setDownPayAmount(downPayAmounts); |
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//抵顶费用合计
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loanSolutionsDetail.setOffsetTotal(offsetTotal); |
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//应收合计
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loanSolutionsDetail.setReceivableTotal(receivableTotal); |
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//实收合计
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loanSolutionsDetail.setRealTotal(realTotal); |
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loanSolutionsDetailService.insert(loanSolutionsDetail); |
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loanSolutionsOtherpolicyService.insert(loanSolutionsOtherpolicy); |
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} else { |
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//修改其他融
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//修改费用明细
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//
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} else {//外部金融的只需要录入厂家贴息
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//查询金融方案
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LoanSolutions loanSolutions = baseMapper.selectBySaleOrderSid(dto.getSaleOrderSid()); |
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if (loanSolutions != null) { |
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//删除该销售订单的
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baseMapper.deleteByOrderSid(dto.getSaleOrderSid()); |
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loanSolutionsOtherpolicyService.deleteByLoanSid(loanSolutions.getSid()); |
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loanSolutionsDetailService.deleteByLoanSid(loanSolutions.getSid()); |
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} |
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//查询金融方案
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loanSolutions = new LoanSolutions(); |
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BeanUtil.copyProperties(dto, loanSolutions); |
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baseMapper.insert(loanSolutions); |
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} |
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return null; |
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return rb.success(); |
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} |
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/* @Autowired |
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private LoanSolutionsTopService loanSolutionsTopService; |
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