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优化贷后数据算法

master
fanzongzhe 10 months ago
parent
dc132a208c
commit
46929ac3a4
1 changed files with 94 additions and 33 deletions
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  1. 127
      anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loanrepaymentschedule/LoanRepaymentScheduleService.java

127
anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loanrepaymentschedule/LoanRepaymentScheduleService.java
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@ -5831,6 +5831,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
List<LoanRepaymentPlanDetails> o = new ArrayList<>();
if (Q.compareTo(BigDecimal.ZERO) == 0) {
for (int i = 0; i < M1; i++) {
boolean pd = false;
LoanRepaymentPlanDetails plan = m.get(i);
LoanRepaymentHistory history = new LoanRepaymentHistory();
history.setCreateBySid(userSid);
@ -5850,6 +5851,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
histories.add(history);
if (i == M1 - 1) {
if (L.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
plan.setPaymentInterest(L);
plan.setOverdue(0);
FinUncollectedReceivablesDetailedJR jr = new FinUncollectedReceivablesDetailedJR();
@ -5865,6 +5867,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
jrList.add(jr);
}
if (B.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
plan.setOverdue(0);
FinUncollectedReceivablesDetailedJR jr = new FinUncollectedReceivablesDetailedJR();
jr.setCreateBySid(userSid);
@ -5886,7 +5889,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
fundDay.setIsEnable(3);
loanFundDays.add(fundDay);
}
if (L.compareTo(BigDecimal.ZERO) > 0 || B.compareTo(BigDecimal.ZERO) > 0) {
if (pd) {
planDetails.add(plan);
}
}
@ -5918,14 +5921,22 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
BigDecimal m1i = BigDecimal.ZERO; //主产品月还
BigDecimal m2i = BigDecimal.ZERO; //其他融月还
if (i <= M1) {
boolean pd = false;
BigDecimal temp = BigDecimal.ZERO;
BigDecimal D1 = BigDecimal.ZERO;
LoanRepaymentPlanDetails p = m.get(i - 1);
m1i = p.getDueMoney();
if (T1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//垫款金额、垫资方逾期利息
D1 = T1.compareTo(m1i) >= 0 ? m1i : T1;
BigDecimal L1 = L.multiply(D1.divide(T, BigDecimal.ROUND_CEILING));
BigDecimal L1 = BigDecimal.ZERO;
if (D1.compareTo(T) >= 0) {
L1 = T;
} else {
BigDecimal bigDecimal = D1.divide(T, 2, BigDecimal.ROUND_HALF_UP);
L1 = L.multiply(bigDecimal);
}
T1 = T1.subtract(D1);
p.setPaymentInterest(L1);
p.setOverdue(0);
@ -5944,9 +5955,16 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
}
}
if (Q1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//资金占用费
temp = Q1.compareTo(m1i) >= 0 ? m1i : Q1;
BigDecimal B1 = B.multiply(temp.divide(Q, BigDecimal.ROUND_CEILING));
BigDecimal B1 = BigDecimal.ZERO;
if (temp.compareTo(Q) >= 0) {
B1 = Q;
} else {
BigDecimal bigDecimal = temp.divide(Q, 2, BigDecimal.ROUND_HALF_UP);
B1 = B.multiply(bigDecimal);
}
if (Q1.compareTo(m1i) < 0) {
//生成 i 期还款记录，月还金额 m1i - Q1
LoanRepaymentHistory history = new LoanRepaymentHistory();
@ -5988,11 +6006,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
loanFundDays.add(fundDay);
}
Q1 = Q1.subtract(temp);
}
if (T1.compareTo(BigDecimal.ZERO) > 0 || Q1.compareTo(BigDecimal.ZERO) > 0) {
planDetails.add(p);
}
if (Q1.compareTo(BigDecimal.ZERO) == 0) {
} else if (Q1.compareTo(BigDecimal.ZERO) == 0) {
LoanRepaymentHistory history = new LoanRepaymentHistory();
history.setCreateBySid(userSid);
history.setDataTime(new Date());
@ -6010,16 +6024,27 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
history.setScheduleSid(schedule.getSid());
histories.add(history);
}
if (pd) {
planDetails.add(p);
}
}
if (i <= M2) {
boolean pd = false;
BigDecimal temp = BigDecimal.ZERO;
BigDecimal D1 = BigDecimal.ZERO;
LoanRepaymentPlanDetails p = o.get(i - 1);
m2i = p.getDueMoney();
if (T1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//垫款金额、垫资方逾期利息
D1 = T1.compareTo(m2i) >= 0 ? m2i : T1;
BigDecimal L1 = L.multiply(D1.divide(T, BigDecimal.ROUND_CEILING));
BigDecimal L1 = BigDecimal.ZERO;
if (D1.compareTo(T) >= 0) {
L1 = T;
} else {
BigDecimal bigDecimal = D1.divide(T, 2, BigDecimal.ROUND_HALF_UP);
L1 = L.multiply(bigDecimal);
}
T1 = T1.subtract(D1);
p.setPaymentInterest(L1);
p.setOverdue(0);
@ -6038,9 +6063,16 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
}
}
if (Q1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//资金占用费
temp = Q1.compareTo(m2i) >= 0 ? m2i : Q1;
BigDecimal B1 = B.multiply(temp.divide(Q, BigDecimal.ROUND_CEILING));
BigDecimal B1 = BigDecimal.ZERO;
if (temp.compareTo(Q) >= 0) {
B1 = Q;
} else {
BigDecimal bigDecimal = temp.divide(Q, 2, BigDecimal.ROUND_HALF_UP);
B1 = B.multiply(bigDecimal);
}
if (Q1.compareTo(m2i) < 0) {
//生成 i 期还款记录，月还金额 m1i - Q1
LoanRepaymentHistory history = new LoanRepaymentHistory();
@ -6082,11 +6114,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
loanFundDays.add(fundDay);
}
Q1 = Q1.subtract(temp);
}
if (T1.compareTo(BigDecimal.ZERO) > 0 || Q1.compareTo(BigDecimal.ZERO) > 0) {
planDetails.add(p);
}
if (Q1.compareTo(BigDecimal.ZERO) == 0) {
} else if (Q1.compareTo(BigDecimal.ZERO) == 0) {
LoanRepaymentHistory history = new LoanRepaymentHistory();
history.setCreateBySid(userSid);
history.setDataTime(new Date());
@ -6104,11 +6132,12 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
history.setScheduleSid(schedule.getSid());
histories.add(history);
}
}
if (pd) {
planDetails.add(p);
}
}
}
}
}
} else {
@ -6117,6 +6146,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
List<LoanRepaymentPlanDetails> o = loanRepaymentPlanDetailsService.selByMainSidAndPolicyOrOther(schedule.getSid(), "1");
if (Q.compareTo(BigDecimal.ZERO) == 0) {
for (int i = 0; i < M1; i++) {
boolean pd = false;
LoanRepaymentPlanDetails plan = m.get(i);
LoanRepaymentHistory history = new LoanRepaymentHistory();
history.setCreateBySid(userSid);
@ -6136,6 +6166,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
histories.add(history);
if (i == M1 - 1) {
if (L.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
plan.setPaymentInterest(L);
plan.setOverdue(0);
FinUncollectedReceivablesDetailedJR jr = new FinUncollectedReceivablesDetailedJR();
@ -6150,6 +6181,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
jrList.add(jr);
}
if (B.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
plan.setOverdue(0);
FinUncollectedReceivablesDetailedJR jr = new FinUncollectedReceivablesDetailedJR();
jr.setCreateBySid(userSid);
@ -6170,7 +6202,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
fundDay.setBusSid(plan.getSid());
loanFundDays.add(fundDay);
}
if (L.compareTo(BigDecimal.ZERO) > 0 || B.compareTo(BigDecimal.ZERO) > 0) {
if (pd) {
planDetails.add(plan);
}
}
@ -6220,14 +6252,22 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
BigDecimal m1i = BigDecimal.ZERO; //主产品月还
BigDecimal m2i = BigDecimal.ZERO; //其他融月还
if (i <= M1) {
boolean pd = false;
BigDecimal temp = BigDecimal.ZERO;
BigDecimal D1 = BigDecimal.ZERO;
LoanRepaymentPlanDetails p = m.get(i - 1);
m1i = p.getDueMoney();
if (T1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//垫款金额、垫资方逾期利息
D1 = T1.compareTo(m1i) >= 0 ? m1i : T1;
BigDecimal L1 = L.multiply(D1.divide(T, BigDecimal.ROUND_CEILING));
BigDecimal L1 = BigDecimal.ZERO;
if (D1.compareTo(T) >= 0) {
L1 = T;
} else {
BigDecimal bigDecimal = D1.divide(T, 2, BigDecimal.ROUND_HALF_UP);
L1 = L.multiply(bigDecimal);
}
T1 = T1.subtract(D1);
p.setPaymentInterest(L1);
p.setOverdue(0);
@ -6246,9 +6286,16 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
}
}
if (Q1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//资金占用费
temp = Q1.compareTo(m1i) >= 0 ? m1i : Q1;
BigDecimal B1 = B.multiply(temp.divide(Q, BigDecimal.ROUND_CEILING));
BigDecimal B1 = BigDecimal.ZERO;
if (temp.compareTo(Q) >= 0) {
B1 = Q;
} else {
BigDecimal bigDecimal = temp.divide(Q, 2, BigDecimal.ROUND_HALF_UP);
B1 = B.multiply(bigDecimal);
}
if (Q1.compareTo(m1i) < 0) {
//生成 i 期还款记录，月还金额 m1i - Q1
LoanRepaymentHistory history = new LoanRepaymentHistory();
@ -6290,11 +6337,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
loanFundDays.add(fundDay);
}
Q1 = Q1.subtract(temp);
}
if (T1.compareTo(BigDecimal.ZERO) > 0 || Q1.compareTo(BigDecimal.ZERO) > 0) {
planDetails.add(p);
}
if (Q1.compareTo(BigDecimal.ZERO) == 0) {
} else if (Q1.compareTo(BigDecimal.ZERO) == 0) {
LoanRepaymentHistory history = new LoanRepaymentHistory();
history.setCreateBySid(userSid);
history.setDataTime(new Date());
@ -6312,16 +6355,27 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
history.setScheduleSid(schedule.getSid());
histories.add(history);
}
if (true) {
planDetails.add(p);
}
}
if (i <= M2) {
boolean pd = false;
BigDecimal temp = BigDecimal.ZERO;
BigDecimal D1 = BigDecimal.ZERO;
LoanRepaymentPlanDetails p = o.get(i - 1);
m2i = p.getDueMoney();
if (T1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//垫款金额、垫资方逾期利息
D1 = T1.compareTo(m2i) >= 0 ? m2i : T1;
BigDecimal L1 = L.multiply(D1.divide(T, BigDecimal.ROUND_CEILING));
BigDecimal L1 = BigDecimal.ZERO;
if (D1.compareTo(T) >= 0) {
L1 = T;
} else {
BigDecimal bigDecimal = D1.divide(T, 2, BigDecimal.ROUND_HALF_UP);
L1 = L.multiply(bigDecimal);
}
T1 = T1.subtract(D1);
p.setPaymentInterest(L1);
p.setOverdue(0);
@ -6340,9 +6394,16 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
}
}
if (Q1.compareTo(BigDecimal.ZERO) > 0) {
pd = true;
//资金占用费
temp = Q1.compareTo(m2i) >= 0 ? m2i : Q1;
BigDecimal B1 = B.multiply(temp.divide(Q, BigDecimal.ROUND_CEILING));
BigDecimal B1 = BigDecimal.ZERO;
if (temp.compareTo(Q) >= 0) {
B1 = Q;
} else {
BigDecimal bigDecimal = temp.divide(Q, 2, BigDecimal.ROUND_HALF_UP);
B1 = B.multiply(bigDecimal);
}
if (Q1.compareTo(m2i) < 0) {
//生成 i 期还款记录，月还金额 m1i - Q1
LoanRepaymentHistory history = new LoanRepaymentHistory();
@ -6384,11 +6445,7 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
loanFundDays.add(fundDay);
}
Q1 = Q1.subtract(temp);
}
if (T1.compareTo(BigDecimal.ZERO) > 0 || Q1.compareTo(BigDecimal.ZERO) > 0) {
planDetails.add(p);
}
if (Q1.compareTo(BigDecimal.ZERO) == 0) {
} else if (Q1.compareTo(BigDecimal.ZERO) == 0) {
LoanRepaymentHistory history = new LoanRepaymentHistory();
history.setCreateBySid(userSid);
history.setDataTime(new Date());
@ -6406,6 +6463,10 @@ public class LoanRepaymentScheduleService extends MybatisBaseService<LoanRepayme
history.setScheduleSid(schedule.getSid());
histories.add(history);
}
if (pd) {
planDetails.add(p);
}
}
}

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