/**
* @Project: hehenian-biz-service
* @Package com.hehenian.biz.common.settle
* @Title: SettleCalculatorUtils.java
* @Description: TODO
* @author: liuzgmf
* @date 2015年1月6日 上午11:01:49
* @Copyright: HEHENIAN Co.,Ltd. All rights reserved.
* @version V1.0
*/
package com.hehenian.biz.common.settle;
import java.util.Date;
import java.util.List;
import com.hehenian.biz.common.loan.dataobject.LoanRepaymentFeeDo;
import com.hehenian.biz.common.system.dataobject.FeeRuleDo;
import com.hehenian.biz.common.system.dataobject.FeeRuleDo.GatherWay;
import com.hehenian.biz.common.system.dataobject.FeeRuleDo.RuleType;
import com.hehenian.biz.common.system.dataobject.SettDetailDo;
import com.hehenian.biz.common.system.dataobject.SettSchemeDo;
import com.hehenian.biz.common.system.dataobject.SettSchemeDo.SettleWay;
import com.hehenian.biz.common.util.CalculateUtils;
/**
*
* @author: liuzgmf
* @date 2015年1月6日 上午11:01:49
*/
public class SettleCalculatorUtils {
private static final SettleCalculator fpicSettleCalculator = new FPICSettleCalculator();
private static final SettleCalculator lpSettleCalculator = new LPSettleCalculator();
private static final SettleCalculator iifpSettleCalculator = new IIFPSettleCalculator();
private static final SettleCalculator mifpSettleCalculator = new MIFPSettleCalculator();
private static final SettleCalculator piSettleCalculator = new PISettleCalculator();
private static final SettleCalculator hhn24SettleCalculator = new HHN24SettleCalculator(); // 合和贷24期
private static final SettleCalculator hhn36SettleCalculator = new HHN36SettleCalculator(); // 合和贷36期
private static final SettleCalculator elSettleCalculator = new ELSettleCalculator(); // 精英贷
/**
* 根据还款方式获取还款结算计算器
*
* @param schemeCode
* @return
*/
public static SettleCalculator createSettleCalculator(SettleWay repayWay) {
if (repayWay.equals(SettleWay.FPIC)) {
return fpicSettleCalculator;
} else if (repayWay.equals(SettleWay.LP)) {
return lpSettleCalculator;
} else if (repayWay.equals(SettleWay.IIFP)) {
return iifpSettleCalculator;
} else if (repayWay.equals(SettleWay.MIFP)) {
return mifpSettleCalculator;
} else if (repayWay.equals(SettleWay.PI)) {
return piSettleCalculator;
} else if (repayWay.equals(SettleWay.HHD24)) {
return hhn24SettleCalculator;
} else if (repayWay.equals(SettleWay.HHD36)) {
return hhn36SettleCalculator;
} else if (repayWay.equals(SettleWay.EL)) {
return elSettleCalculator;
} else {
throw new RuntimeException("未知还款类型!");
}
}
/**
* 计算借贷的结算明细信息
*
* @param loanAmount
* 借款金额
* @param loanPeriod
* 借款期限
* @param loanAnnualRate
* 借款年利率
* @param investAnnualRate
* 投资年利率
* @param settSchemeDo
* 结算方案对象
* @return
* @author: liuzgmf
* @date: 2015年1月6日上午10:50:35
*/
public static List<SettDetailDo> calSettDetail(Double loanAmount, Integer loanPeriod, Double loanAnnualRate,
Double investAnnualRate, SettSchemeDo settSchemeDo) {
SettleCalculator repaySettleCalculator = createSettleCalculator(settSchemeDo.getRepayWay());
SettleCalculator receiptSettleCalculator = createSettleCalculator(settSchemeDo.getReceiptWay());
List<SettDetailDo> detailDoList = repaySettleCalculator.calSettDetail(loanAmount, loanPeriod,
getLoanAnnualRate(loanAnnualRate, investAnnualRate, settSchemeDo));
List<SettDetailDo> retDetailDoList = receiptSettleCalculator.calSettDetail(loanAmount, loanPeriod,
investAnnualRate);
if (detailDoList.size() != retDetailDoList.size()) {
throw new RuntimeException("结算方案[" + settSchemeDo.getSchemeId() + "]还款方式和回款方式不匹配!");
}
// 计算咨询费，咨询费=还款利息-回款利息
//咨询费 = 还款总额-回款总额 2015-3-30修改
for (SettDetailDo detailDo : retDetailDoList) {
for (SettDetailDo repaySettDetailDo : detailDoList) {
if (detailDo.getPeriod().intValue() == repaySettDetailDo.getPeriod().intValue()) {
detailDo.setConsultFee(CalculateUtils.sub(
CalculateUtils.add(repaySettDetailDo.getInterest(), repaySettDetailDo.getPrincipal()),
CalculateUtils.add(detailDo.getInterest(), detailDo.getPrincipal())));
RuleType[] ruleTypes = new RuleType[] { RuleType.CREDIT_FEE };
double creditFee = calSettleFee(detailDo, settSchemeDo, loanAmount, loanPeriod, ruleTypes);
detailDo.setConsultFee(CalculateUtils.add(detailDo.getConsultFee(), creditFee));// 咨询费=咨询费+征信费
break;
}
}
}
// 计算服务费
for (SettDetailDo detailDo : retDetailDoList) {
// 计入服务费的类型包括借款手续费，其他费用
RuleType[] ruleTypes = new RuleType[] { RuleType.SERV_FEE, RuleType.OTHER };
double servFee = calSettleFee(detailDo, settSchemeDo, loanAmount, loanPeriod, ruleTypes);
detailDo.setServFee(servFee);
}
return retDetailDoList;
}
/**
* 还款计划表展示
* @param loanAmount 借款金额
* @param loanPeriod 借款期限
* @param loanAnnualRate 借款年利率
* @param settSchemeDo 结算方案对象
* @return
*/
public static List<SettDetailDo> calSettDetailForRepayPlanShow(Double loanAmount, Integer loanPeriod, Double loanAnnualRate,SettSchemeDo settSchemeDo,Date startDate){
SettleCalculator repaySettleCalculator = createSettleCalculator(settSchemeDo.getRepayWay());
List<SettDetailDo> detailDoList = repaySettleCalculator.calSettDetail(loanAmount, loanPeriod,loanAnnualRate,startDate);
for(SettDetailDo detailDo : detailDoList){
double servFee = calSettleFeeForRepayPlanShow(detailDo, settSchemeDo, loanAmount, loanPeriod);
detailDo.setInterest(CalculateUtils.add(detailDo.getInterest(),servFee));
}
return detailDoList;
}
/**
* 放款后生成还款计划表
* @param loanAmount
* @param loanPeriod
* @param loanAnnualRate
* @param investAnnualRate
* @param settSchemeDo
* @return
*/
public static List<SettDetailDo> calSettDetailForRepayPlanRecord(Double loanAmount, Integer loanPeriod, Double loanAnnualRate,Double investAnnualRate,SettSchemeDo settSchemeDo){
SettleCalculator repaySettleCalculator = createSettleCalculator(settSchemeDo.getRepayWay());
SettleCalculator receiptSettleCalculator = createSettleCalculator(settSchemeDo.getReceiptWay());
List<SettDetailDo> detailDoList = repaySettleCalculator.calSettDetail(loanAmount, loanPeriod,loanAnnualRate);
List<SettDetailDo> retDetailDoList = receiptSettleCalculator.calSettDetail(loanAmount, loanPeriod,investAnnualRate);
for(SettDetailDo detailDo : detailDoList) {
for(SettDetailDo repaySettDetailDo : retDetailDoList) {
if(detailDo.getPeriod().intValue() == repaySettDetailDo.getPeriod().intValue()){
detailDo.setConsultFee(CalculateUtils.sub(CalculateUtils.add(detailDo.getInterest(),detailDo.getPrincipal()), CalculateUtils.add(repaySettDetailDo.getInterest(),repaySettDetailDo.getPrincipal())));
double servFee = calSettleFeeForRepayPlanRecord(detailDo, settSchemeDo, loanAmount, loanPeriod);
detailDo.setInterest(CalculateUtils.add(detailDo.getInterest(),servFee));
}
}
}
for(SettDetailDo detailDo : detailDoList){
double servFee = calSettleFeeForRepayPlanRecord(detailDo, settSchemeDo, loanAmount, loanPeriod);
detailDo.setInterest(CalculateUtils.add(detailDo.getInterest(),servFee));
}
return detailDoList;
}
/**
* 获取借款年利率
*
* @param loanAnnualRate
* @param investAnnualRate
* @param settSchemeDo
* @return
* @author: liuzgmf
* @date: 2015年1月8日上午10:40:33
*/
private static Double getLoanAnnualRate(Double loanAnnualRate, Double investAnnualRate, SettSchemeDo settSchemeDo) {
if (loanAnnualRate == null || CalculateUtils.lt(loanAnnualRate, investAnnualRate)) {
return settSchemeDo.getDefaultAnnualRate();
}
return loanAnnualRate;
}
/**
* 计算结算费用
*
* @param settSchemeDo
* @return
* @author: liuzgmf
* @date: 2015年1月6日下午1:58:44
*/
private static double calSettleFee(SettDetailDo detailDo, SettSchemeDo settSchemeDo, Double loanAmount,
Integer loanPeriod, RuleType[] ruleTypes) {
double servFee = 0.00;
if (settSchemeDo.getFeeRuleDoList() == null || settSchemeDo.getFeeRuleDoList().size() == 0) {
return servFee;
}
for (FeeRuleDo feeRuleDo : settSchemeDo.getFeeRuleDoList()) {
for (RuleType ruleType : ruleTypes) {
if (!ruleType.equals(feeRuleDo.getRuleType())) {
continue;
}
//确定乘数， 是用剩余本金，还是借款金额
double baseAmount = loanAmount;
if("2".equals(feeRuleDo.getBaseAmountType())){
baseAmount = detailDo.getRemainingPrincipal();
}
// 一次性按比例收取
if (feeRuleDo.getGatherWay().equals(GatherWay.ONCE_RATIO) && detailDo.getPeriod().intValue() == 1) {
double gatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
servFee = CalculateUtils.add(servFee, CalculateUtils.mul(baseAmount, gatherRate));
continue;
}
// 一次性固定收取
if (feeRuleDo.getGatherWay().equals(GatherWay.ONCE_FIXED) && detailDo.getPeriod().intValue() == 1) {
servFee = CalculateUtils.add(servFee, feeRuleDo.getFeeAmount());
continue;
}
// 每期按比例收取
if (feeRuleDo.getGatherWay().equals(GatherWay.EACH_RATIO)) {
double gatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
servFee = CalculateUtils.add(servFee, CalculateUtils.mul(baseAmount, gatherRate));
continue;
}
// 每期固定收取
if (feeRuleDo.getGatherWay().equals(GatherWay.EACH_FIXED)) {
servFee = CalculateUtils.add(servFee, feeRuleDo.getFeeAmount());
continue;
}
// 一次性比例收取（月度比例）
if (feeRuleDo.getGatherWay().equals(GatherWay.ONCE_MONRATIO) && detailDo.getPeriod().intValue() == 1) {
double monthGatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
servFee = CalculateUtils.add(servFee,CalculateUtils.mul(CalculateUtils.mul(baseAmount, monthGatherRate), loanPeriod));
continue;
}
}
if(feeRuleDo.getIsInclude().equalsIgnoreCase("T")){
double consultFee = detailDo.getConsultFee();
//咨询-手续费， 原来咨询费= 利率差，
//新的咨询费 = 利率差-0.2%手续费
double newConsultFee = CalculateUtils.sub(consultFee, servFee);
detailDo.setConsultFee(newConsultFee);
}
}
return CalculateUtils.round(servFee, 2);
}
/**
* 还款计划表展示 费用计算
* @param detailDo
* @param settSchemeDo
* @param loanAmount
* @param loanPeriod
* @return
*/
private static double calSettleFeeForRepayPlanShow(SettDetailDo detailDo, SettSchemeDo settSchemeDo, Double loanAmount,
Integer loanPeriod) {
double servFee = 0.00;
if (settSchemeDo.getFeeRuleDoList() == null || settSchemeDo.getFeeRuleDoList().size() == 0) {
return servFee;
}
for (FeeRuleDo feeRuleDo : settSchemeDo.getFeeRuleDoList()){
if(feeRuleDo.getIsInitRepayPlanUse().equalsIgnoreCase("F")){ //不是初始还款计划表使用
continue;
}
if(feeRuleDo.getIsInclude().equalsIgnoreCase("T")){ //包含在年利率内
continue;
}
//确定乘数， 是用剩余本金，还是借款金额
double baseAmount = loanAmount;
if("2".equals(feeRuleDo.getBaseAmountType())){
baseAmount = detailDo.getRemainingPrincipal();
}
double fee = calFee(detailDo,feeRuleDo,baseAmount,loanPeriod);
servFee = CalculateUtils.add(servFee, fee);
}
return CalculateUtils.round(servFee, 2);
}
/**
* 放款后 还款计划表 费用计算
* @param detailDo
* @param settSchemeDo
* @param loanAmount
* @param loanPeriod
* @return
*/
private static double calSettleFeeForRepayPlanRecord(SettDetailDo detailDo, SettSchemeDo settSchemeDo, Double loanAmount,
Integer loanPeriod) {
double servFee = 0.00;
if (settSchemeDo.getFeeRuleDoList() == null || settSchemeDo.getFeeRuleDoList().size() == 0) {
return servFee;
}
for (FeeRuleDo feeRuleDo : settSchemeDo.getFeeRuleDoList()){
if(feeRuleDo.getIsInitRepayPlanUse().equalsIgnoreCase("F")){ //不是初始还款计划表使用
continue;
}
//确定乘数， 是用剩余本金，还是借款金额
double baseAmount = loanAmount;
if("2".equals(feeRuleDo.getBaseAmountType())){
baseAmount = detailDo.getRemainingPrincipal();
}
double fee = calFee(detailDo,feeRuleDo,baseAmount,loanPeriod);
if(feeRuleDo.getIsInclude().equalsIgnoreCase("T")){ //包含在年利率内
detailDo.setConsultFee(CalculateUtils.sub(detailDo.getConsultFee(), servFee));
}else{
servFee = CalculateUtils.add(servFee, fee);
}
LoanRepaymentFeeDo loanRepaymentFeeDo = new LoanRepaymentFeeDo();
loanRepaymentFeeDo.setFeeAmount(fee);
loanRepaymentFeeDo.setFeeType(feeRuleDo.getRuleType().toString());
loanRepaymentFeeDo.setFeeName(feeRuleDo.getRuleName());
detailDo.getRfList().add(loanRepaymentFeeDo);
}
LoanRepaymentFeeDo loanRepaymentFeeDo = new LoanRepaymentFeeDo();
loanRepaymentFeeDo.setFeeAmount(detailDo.getConsultFee());
loanRepaymentFeeDo.setFeeType(FeeRuleDo.RuleType.CONSULT_FEE.toString());
loanRepaymentFeeDo.setFeeName("咨询费");
detailDo.getRfList().add(loanRepaymentFeeDo);
return CalculateUtils.round(servFee, 2);
}
private static double calFee(SettDetailDo detailDo,FeeRuleDo feeRuleDo, double baseAmount,Integer loanPeriod){
double fee = 0d;
// 一次性按比例收取
if(feeRuleDo.getGatherWay().equals(GatherWay.ONCE_RATIO) && detailDo.getPeriod().intValue() == 1) {
double gatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
fee = CalculateUtils.mul(baseAmount, gatherRate);
return fee;
}
// 一次性固定收取
if(feeRuleDo.getGatherWay().equals(GatherWay.ONCE_FIXED) && detailDo.getPeriod().intValue() == 1) {
fee = feeRuleDo.getFeeAmount();
return fee;
}
// 每期按比例收取
if(feeRuleDo.getGatherWay().equals(GatherWay.EACH_RATIO)) {
double gatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
fee = CalculateUtils.mul(baseAmount, gatherRate);
return fee;
}
// 每期固定收取
if(feeRuleDo.getGatherWay().equals(GatherWay.EACH_FIXED)) {
fee = feeRuleDo.getFeeAmount();
return fee;
}
// 一次性比例收取（月度比例）
if(feeRuleDo.getGatherWay().equals(GatherWay.ONCE_MONRATIO) && detailDo.getPeriod().intValue() == 1) {
double monthGatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
fee = CalculateUtils.mul(CalculateUtils.mul(baseAmount, monthGatherRate), loanPeriod);
return fee;
}
return fee;
}
/**
* 计算计算费用
*
* @param transAmt
* 交易金额
* @param loanPeriod
* 借款期限
* @param feeRuleDo
* 费用对象
* @return
* @author: liuzgmf
* @date: 2015年1月12日下午5:59:28
*/
public static double calSettleFee(Double transAmt, Integer loanPeriod, FeeRuleDo feeRuleDo) {
// 一次性按比例收取
if (feeRuleDo.getGatherWay().equals(GatherWay.ONCE_RATIO)) {
double gatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
return CalculateUtils.mul(transAmt, gatherRate);
}
// 一次性固定收取
if (feeRuleDo.getGatherWay().equals(GatherWay.ONCE_FIXED)) {
return feeRuleDo.getFeeAmount();
}
// 每期按比例收取
if (feeRuleDo.getGatherWay().equals(GatherWay.EACH_RATIO)) {
double gatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
return CalculateUtils.mul(transAmt, gatherRate);
}
// 每期固定收取
if (feeRuleDo.getGatherWay().equals(GatherWay.EACH_FIXED)) {
return feeRuleDo.getFeeAmount();
}
// 一次性比例收取（月度比例）
if (feeRuleDo.getGatherWay().equals(GatherWay.ONCE_MONRATIO)) {
double monthGatherRate = CalculateUtils.div(feeRuleDo.getGatherRate(), 100);
return CalculateUtils.mul(CalculateUtils.mul(transAmt, monthGatherRate), loanPeriod);
}
return 0d;
}
public static List<SettDetailDo> displayRepayDetail(Double loanAmount,
Integer loanPeriod, Double loanAnnualRate, Double investAnnualRate,
SettSchemeDo settSchemeDo) {
SettleCalculator repaySettleCalculator = createSettleCalculator(settSchemeDo.getRepayWay());
return repaySettleCalculator.calSettDetail(loanAmount, loanPeriod,
getLoanAnnualRate(loanAnnualRate, investAnnualRate, settSchemeDo));
}
public static void main(String[] args) {
SettSchemeDo settSchemeDo = new SettSchemeDo();
settSchemeDo.setRepayWay(SettSchemeDo.SettleWay.FPIC);
List<SettDetailDo> l = SettleCalculatorUtils.calSettDetailForRepayPlanShow(1000d, 12, 0.1, settSchemeDo,new Date());
for(SettDetailDo sd : l)
System.out.println(sd);
}
}