/**
* @Project: hehenian-biz-service
* @Package com.hehenian.biz.component.trade.impl
* @Title: DefaultRepayment.java
* @Description: TODO
* @author: zhangyunhmf
* @date 2014年9月28日 上午8:43:00
* @Copyright: HEHENIAN Co.,Ltd. All rights reserved.
* @version V1.0
*/
package com.hehenian.biz.component.trade.impl;
import java.util.ArrayList;
import java.util.Date;
import java.util.HashMap;
import java.util.List;
import java.util.Map;
import org.apache.log4j.Logger;
import org.springframework.beans.BeanUtils;
import org.springframework.beans.factory.annotation.Autowired;
import com.hehenian.biz.common.account.dataobject.AccountUserDo;
import com.hehenian.biz.common.account.dataobject.PersonDo;
import com.hehenian.biz.common.base.constant.Constants;
import com.hehenian.biz.common.base.result.IResult;
import com.hehenian.biz.common.base.result.ResultSupport;
import com.hehenian.biz.common.exception.BusinessException;
import com.hehenian.biz.common.fund.dataobject.FundDo;
import com.hehenian.biz.common.notify.dataobject.MessageType;
import com.hehenian.biz.common.notify.dataobject.SMSNotifyDo;
import com.hehenian.biz.common.notify.dataobject.SmsType;
import com.hehenian.biz.common.trade.dataobject.AssignmentDebtDo;
import com.hehenian.biz.common.trade.dataobject.BorrowDo;
import com.hehenian.biz.common.trade.dataobject.ChinapnrAccount;
import com.hehenian.biz.common.trade.dataobject.FundrecordDo;
import com.hehenian.biz.common.trade.dataobject.InvestDo;
import com.hehenian.biz.common.trade.dataobject.InvestRepaymentDo;
import com.hehenian.biz.common.trade.dataobject.InvestRepaymentWrap;
import com.hehenian.biz.common.trade.dataobject.RepaymentContext;
import com.hehenian.biz.common.trade.dataobject.RepaymentDo;
import com.hehenian.biz.common.trade.dataobject.RepaymentFeeDo;
import com.hehenian.biz.common.trade.dataobject.RiskDetailDo;
import com.hehenian.biz.common.util.CalculateUtils;
import com.hehenian.biz.common.util.DateUtil;
import com.hehenian.biz.common.util.NotifyTemplateUtil;
import com.hehenian.biz.common.util.NumberUtil;
import com.hehenian.biz.component.account.IPersonComponent;
import com.hehenian.biz.component.account.IUserComponent;
import com.hehenian.biz.component.fund.dao.IFundDao;
import com.hehenian.biz.component.notify.INotifyDao;
import com.hehenian.biz.component.trade.IAssignmentDebtComponent;
import com.hehenian.biz.component.trade.IBorrowComponent;
import com.hehenian.biz.component.trade.IFundrecordComponent;
import com.hehenian.biz.component.trade.IGuaranteeInstitutionsComponent;
import com.hehenian.biz.component.trade.IInvestComponent;
import com.hehenian.biz.component.trade.IInvestRepaymentComponent;
import com.hehenian.biz.component.trade.IRepaymentComponent;
import com.hehenian.biz.component.trade.IRepaymentManagerComponent;
import com.hehenian.biz.component.trade.IRiskDetailComponent;
import com.hehenian.biz.facade.account.AccountType;
import com.hehenian.biz.facade.account.IAccountManagerService;
import com.hehenian.biz.facade.account.chinapnr.ChinaPnrConfig;
import com.hehenian.biz.facade.account.parameter.InParameter;
import com.hehenian.biz.facade.account.parameter.OutParameter;
/**
*
* @author: zhangyunhmf
* @date 2014年9月28日 上午8:43:00
*/
public abstract class DefaultAbstractRepayComponent implements IRepaymentManagerComponent {
protected final Logger logger = Logger.getLogger(this.getClass());
@Autowired
protected IRepaymentComponent repaymentComponent;
@Autowired
protected IAccountManagerService accountManagerService;
@Autowired
protected ChinaPnrConfig chinaPnrConfig;
@Autowired
protected IPersonComponent personComponent;
@Autowired
protected IBorrowComponent borrowComponent;
@Autowired
protected IGuaranteeInstitutionsComponent guaranteeInstitutionsComponent;
@Autowired
protected IRiskDetailComponent riskDetailComponent;
@Autowired
protected INotifyDao smsDao; // 短信
@Autowired
protected INotifyDao mailNotifyDao; // 邮件
@Autowired
protected IUserComponent userComponent;
@Autowired
protected IFundrecordComponent fundrecordComponent;
@Autowired
protected IFundDao fundDao;
@Autowired
protected IInvestComponent investComponent;
@Autowired
protected IInvestRepaymentComponent investRepaymentComponent;
@Autowired
protected IAssignmentDebtComponent assignmentDebtComponent;
/**
* 费用分摊账号映射
*/
private Map<String, ChinapnrAccount> feeAccountMap;
/**
* 更新标的的状态， 和还款期数
*
* @param borrowId
* 标的ID
* @author: zhangyunhmf
* @date: 2014年9月24日下午4:50:01
*/
public abstract void updateBorrow(long borrowId);
/**
* 构建还款列表
*
* @author: zhangyunhmf
* @date: 2014年10月8日下午1:58:05
*/
public abstract int buildInvestList(RepaymentContext rc);
/**
* 将回款对象转成 还款对象包装对象
*
* @param investRepaymentList
* @return
*/
public List<InvestRepaymentWrap> convertInvestRepaymentWrap(List<InvestRepaymentDo> investRepaymentList) {
if (null == investRepaymentList) {
return null;
}
List<InvestRepaymentWrap> listWrap = new ArrayList<InvestRepaymentWrap>();
for (InvestRepaymentDo irDo : investRepaymentList) {
InvestRepaymentWrap investWrap = new InvestRepaymentWrap();
investWrap.setInvestRepaymentDO(irDo);
listWrap.add(investWrap);
}
return listWrap;
}
/**
* 更新还款状态, 更新已收本金，利息，罚金= 所有费用和
*
* 代偿 @see
* {@link com.hehenian.biz.component.trade.impl.CompRepayComponentImpl#updateRepaymentStatus()}
* 提前结清 @see
* {@link com.hehenian.biz.component.trade.impl.PreSettleRepayComponentImpl#updateRepaymentStatus()}
*
* @param needPI
* 本金
* @param lateFI
* 罚金
* @param repayId
* 还款ID
* @param version
* 还款记录version
* @param borrowId
* 标的ID
*
* @author: zhangyunhmf
* @date: 2014年9月24日下午4:45:34
*/
public void updateRepaymentStatus(RepaymentContext rc) {
RepaymentDo repaymentDo = rc.getRepaymentDo();
RepaymentDo newRepaymentDo = new RepaymentDo();
newRepaymentDo.setRepayStatus(2);
newRepaymentDo.setId(repaymentDo.getId());
newRepaymentDo.setRealRepayDate(new Date());
newRepaymentDo.setExecuteTime(new Date());
repaymentComponent.updateRepaymentById(newRepaymentDo);
}
/**
* 查询费用子表 代偿 @see
* {@link com.hehenian.biz.component.trade.impl.CompRepayComponentImpl#buildRepaymentFee()}
* 提前结清 @see
* {@link com.hehenian.biz.component.trade.impl.PreSettleRepayComponentImpl#buildRepaymentFee()}
*
* @author: zhangyunhmf
* @date: 2014年10月22日下午4:25:31
*/
public void buildRepaymentFee(RepaymentDo repayDo,Integer paymentMode) {
// 构建应还费用
repayDo.buildRepaymentFee();
// 查询实还金额
List<RepaymentFeeDo> feeList = this.repaymentComponent.getByRepaymentId(repayDo.getId());
// put已收费用
if (null != feeList) {
for (RepaymentFeeDo rpf : feeList) {
RepaymentFeeDo tmpFee = repayDo.getRepaymentFee(rpf.getFeeCode());
if (tmpFee == null) {
repayDo.addRepaymentFee(rpf);
} else {
tmpFee.setHasAmount(rpf.getHasAmount());
}
}
}
}
/**
* 根据用户ID 获取用户对象， 如果是代偿， 代偿子类会覆盖这个方法根据，配置文件里的代偿账号查询用户对象
*
* @return
* @author: zhangyunhmf
* @date: 2014年10月22日下午6:22:47
*/
public int buildPubisher(RepaymentContext rc) {
AccountUserDo user = this.userComponent.getById(rc.getUserId());
if (null == user) {
throw new BusinessException("找不到借款人");
}
rc.setUserDo(user);
rc.setUsername(user.getUsername());
return 0;
}
/**
* 构建还款记录对象根据还款ID 查询一个还款记录， 提前结清是汇总的一个还款对象具体看提前结清的实现
*
* @see com.hehenian.biz.component.trade.impl.PreSettleRepayComponentImpl#buildRepayment()
* @see com.hehenian.biz.component.trade.impl.CompRepayComponentImpl#buildRepayment()
* @return
* @author: zhangyunhmf
* @date: 2014年9月30日上午9:42:19
*/
public RepaymentDo buildRepayment(RepaymentContext rc) {
long repayId = rc.getRepaymentId();
RepaymentDo repaymentDo = this.repaymentComponent.getById(repayId);
rc.setRepaymentDo(repaymentDo);
return repaymentDo;
}
/**
* 根据费用分摊到不同的子账户
*
* @param feeCode
* @return
* @author: zhangyunhmf
* @date: 2014年10月23日上午9:58:24
*/
public Map<String, ChinapnrAccount> buildFeeAccountMap() {
Map<String, ChinapnrAccount> feeAccountMap = new HashMap<String, ChinapnrAccount>();
// 901 提前结清手续费
ChinapnrAccount cAccount = new ChinapnrAccount();
cAccount.setAccountId(this.chinaPnrConfig.getConsFeeAccount());
cAccount.setCustId(this.chinaPnrConfig.getConsFeeCustId());
feeAccountMap.put(com.hehenian.biz.common.base.constant.Constants.FEE_CODE_PRE, cAccount);
// 603 扣除逾期罚息
ChinapnrAccount cAccount1 = new ChinapnrAccount();
cAccount1.setAccountId(this.chinaPnrConfig.getFxAccount());
cAccount1.setCustId(this.chinaPnrConfig.getMerCustId());
feeAccountMap.put(com.hehenian.biz.common.base.constant.Constants.FEE_CODE_FX, cAccount1);
// consult 咨询费
ChinapnrAccount cAccount2 = new ChinapnrAccount();
cAccount2.setAccountId(this.chinaPnrConfig.getConsFeeAccount());
cAccount2.setCustId(this.chinaPnrConfig.getConsFeeCustId());
feeAccountMap.put(com.hehenian.biz.common.base.constant.Constants.FEE_CODE_CONSULT, cAccount2);
// 还款手续费
ChinapnrAccount cAccount3 = new ChinapnrAccount();
cAccount3.setAccountId(this.chinaPnrConfig.getFeeAccount());
cAccount3.setCustId(this.chinaPnrConfig.getFeeCustId());
feeAccountMap.put(com.hehenian.biz.common.base.constant.Constants.FEE_CODE_SERVICE_CHARGE, cAccount3);
return feeAccountMap;
}
public void finishedInvestRepay(RepaymentContext rc) {
// RepaymentContext rc = this.getContext();
// 查询所有投资人的投资信息
List<InvestRepaymentWrap> investList = rc.getInvestList();
for (InvestRepaymentWrap irWrap : investList) {
InvestRepaymentDo investRepay = irWrap.getInvestRepaymentDO();
// 取收益用户
AccountUserDo inUser = this.userComponent.getById(investRepay.getOwner());
investRepay.setOwnerUser(inUser);
// 取投资
InvestDo investDo = this.investComponent.getById(investRepay.getInvestId());
// 因为getById 取出来的投资investDo是被重 sqlsession的缓存中获取，他们将是统一一个对象，
// 这相同的事务中（即这个for循环中）
InvestDo cloneInvestDo = new InvestDo();
BeanUtils.copyProperties(investDo, cloneInvestDo);
investRepay.setInvestDo(cloneInvestDo);
// 取债券转让
AssignmentDebtDo adebt = assignmentDebtComponent.getLastAssignmentDebtByInvestId(cloneInvestDo.getId(),
investRepay.getOwner());
if (null != adebt) { // 如果发生了代偿，此时的owner 是代偿账户，根据投资和代偿找不到债券转让，
// 但是经测试，还代偿人的时候，这个subordId没有限制
// 如果不加这个不等于 null
// 的判断，会把之前找到的债券转让记录覆盖，导致资金流向不对的异常，
// 这是因为investDo 对象在这个for里ibatis返回的是同一个对象
cloneInvestDo.setAssignDebtDo(adebt);
}
}
}
/**
* 检查还款期数
*
* @param deadline
* 借款期数
* @param hasDeadline
* 已还款期数
* @return
* @author: zhangyunhmf
* @date: 2014年9月24日上午9:12:00
*/
protected boolean checkDeadline(int deadline, int hasDeadline) {
return deadline > hasDeadline;
}
/**
* 获取接口人， 如果是代偿获取代偿账号对应的用户
*
* @return
* @author: zhangyunhmf
* @date: 2014年9月29日下午4:09:27
*/
public AccountUserDo getPublisher(RepaymentContext rc) {
AccountUserDo user = rc.getUserDo();
return user;
}
/**
* 从上下文中取还款记录
*
* @return
* @author: zhangyunhmf
* @date: 2014年9月29日下午4:09:27
*/
protected RepaymentDo getRepaymentDo(RepaymentContext rc) {
// RepaymentContext rc = context.get();
RepaymentDo repaymentDo = rc.getRepaymentDo();
if (null == repaymentDo) {
repaymentDo = this.buildRepayment(rc);
rc.setRepaymentDo(repaymentDo);
}
return repaymentDo;
}
/**
* 构建还款的 所需的数据上下文
*
* @param repaymentId
* 还款ID
* @param borrowId
* 标的ID
* @param userId
* 当期用户ID
* @param username
* 用户名
* @param operationType
* 还款操作种类
* @param outCustId
* 出资汇付ID
* @param webURL
* 系统URL
* @author: zhangyunhmf
* @date: 2014年9月30日上午9:06:16
*/
public RepaymentContext buildContext(long repaymentId, long borrowId, long userId, String username,
String operationType, String outCustId, String webURL) {
RepaymentContext rc;
rc = new RepaymentContext(repaymentId, borrowId, userId, username, operationType, outCustId, webURL);
this.feeAccountMap = buildFeeAccountMap();
RepaymentDo repaymentDo = this.buildRepayment(rc);
this.buildPubisher(rc);
BorrowDo borrow = borrowComponent.getById(borrowId);
this.buildRepaymentFee(repaymentDo, borrow.getPaymentMode());
rc.setBorrow(borrow);
// 构建还款列表
this.buildInvestList(rc);
// 分摊费用
rc.splitFee();
// 根据回款列表取投资和债券转让
this.finishedInvestRepay(rc);
return rc;
}
/**
*
* updateRepayVersion更新版本
*
* @param newVersion
* 新版本
* @param status
* 状态
* @param repaymentId
* 还款id
* @return boolean
* @exception
* @since 1.0.0
*/
protected boolean updateRepayVersion(int newVersion, int status, long repaymentId) {
return repaymentComponent.upRepaymentVersionById(newVersion, status, repaymentId);
}
/**
*
* checkUser 检查用户合法性
*
* @return boolean
* @exception
* @since 1.0.0
*/
protected boolean checkUser(RepaymentContext rc) {
BorrowDo borrow = rc.getBorrow();
long userId = rc.getUserDo().getId();
return borrow.getPublisher().longValue() == userId;
}
/**
*
* checkRepaymentStatus 检查还款记录的状态
*
* @return boolean
* @exception
* @since 1.0.0
*/
protected boolean checkRepaymentStatus(RepaymentDo repay) {
return repay.getRepayStatus() == 1;
}
protected boolean checkRepaymentAmount(double needAmount) {
return needAmount > 0;
}
/**
* 出资账户，如果代偿是代偿方，从配置文件读取， 否则就是借款人
*/
public String getOutCustId(RepaymentContext rc) {
return String.valueOf(rc.getUserDo().getUsrCustId());
}
/**
* 出资账户，如果代偿是代偿方，从配置文件读取， 否则就是借款人
*/
public String getOutAcctId() {
return "";
}
/**
*
* checkAmount 检查用户账户金额是否足够
*
* @return boolean
* @exception
* @since 1.0.0
*/
protected boolean checkAmount(long userId, double needAmount) {
AccountUserDo user = userComponent.getById(userId);
return user.getUsableSum() >= needAmount;
}
/**
* 构建投资人资金变动记录的remark
*
* @param fundrecordRemarkTemplate
* @param fundName
* 费用名称
* @param amount
* 还款金额
* @return
* @author: zhangyunhmf
* @date: 2014年10月9日上午9:43:14
*/
public String buildInvestorFundRecordRemark(RepaymentContext rc, String fundrecordRemarkTemplate,
String fundName, double amount) {
try {
// RepaymentContext rc = this.getContext();
BorrowDo borrow = rc.getBorrow();
Map<String, Object> messageObject = new HashMap<String, Object>();
messageObject.put("webURL", rc.getWebURL());
messageObject.put("borrowTitle", borrow.getBorrowTitle());
messageObject.put("borrowId", borrow.getId());
messageObject.put("needAmount", NumberUtil.formatDouble(amount));
messageObject.put("fundMode", fundName);
return NotifyTemplateUtil.getContentByTemplate(fundrecordRemarkTemplate, messageObject);
} catch (Throwable e) {
logger.error(e);
return "";
}
}
/**
* 构建投资人短信通知的内容
*
* @param notifyTemplate
* @return
* @author: zhangyunhmf
* @date: 2014年10月8日下午5:34:56
*/
public String buildInvestorSmsContent(RepaymentContext rc, String notifyTemplate, String username,
double recivedPrincipal, double recivedInterest, double recivedFI, double investFee) {
// 尊敬的[${userName}]:
// 您投资的借款[${borrowTitle}],第[${repayPeriod}]期还款已经完成.<br/>[${fundMode}]本期应得总额：￥[${recivedSum}],其中本金部分为：[${hasP}]元,利息部分：[${hasI}]元,实得逾期罚息：[${hasFI}]元<br/>扣除投资管理费：￥[${mFee}]元<br/>实得总额：￥[${msFee}]元
try {
BorrowDo borrow = rc.getBorrow();
RepaymentDo repayDo = rc.getRepaymentDo();
Map<String, Object> messageObject = new HashMap<String, Object>();
double recivedSum = recivedInterest + recivedPrincipal + recivedFI;
messageObject.put("userName", username);
messageObject.put("borrowTitle", borrow.getBorrowTitle());
messageObject.put("repayPeriod", repayDo.getRepayPeriod());
messageObject.put("fundMode", "");
messageObject.put("hasP", NumberUtil.formatDouble(recivedPrincipal));// 本金
messageObject.put("hasI", NumberUtil.formatDouble(recivedInterest));// 利息
messageObject.put("hasFI", NumberUtil.formatDouble(recivedFI));// 逾期罚息
messageObject.put("mFee", NumberUtil.formatDouble(investFee));// 投资管理费
messageObject.put("msFee", NumberUtil.formatDouble(recivedSum - investFee));// 实得总额
messageObject.put("recivedSum", NumberUtil.formatDouble(recivedSum));// 本期应得总额
return NotifyTemplateUtil.getContentByTemplate(notifyTemplate, messageObject);
} catch (Throwable e) {
logger.error(e);
return "";
}
}
/**
* 构建借款人资金变动记录的remark
*
* @return
* @author: zhangyunhmf
* @date: 2014年10月8日下午5:29:43
*/
public String buildPublisherFundRecordRemark(RepaymentContext rc, String fundrecordRemarkTemplate,
String fundMode) {
try {
// RepaymentContext rc = this.getContext();
String userName = rc.getUsername();
BorrowDo borrow = rc.getBorrow();
RepaymentDo repayDo = rc.getRepaymentDo();
Map<String, Object> messageObject = new HashMap<String, Object>();
messageObject.put("userName", userName);
messageObject.put("borrowTitle", borrow.getBorrowTitle());
messageObject.put("repayPeriod", repayDo.getRepayPeriod());
messageObject.put("borrowId", borrow.getId());
messageObject.put("fundMode", fundMode);
messageObject.put("webURL", rc.getWebURL());
messageObject.put("lateFI", repayDo.getLateFi());
messageObject.put("fee", repayDo.getRepayFee());
messageObject.put("consultFee", repayDo.getConsultFee());
messageObject.put(
"needAmount",
NumberUtil.formatDouble(repayDo.getStillInterest() + repayDo.getStillPrincipal()
+ repayDo.getRepayFee() + repayDo.getConsultFee()));
messageObject.put("hasPi",
NumberUtil.formatDouble(repayDo.getStillInterest() + repayDo.getStillPrincipal()));
return NotifyTemplateUtil.getContentByTemplate(fundrecordRemarkTemplate, messageObject);
} catch (Throwable e) {
logger.error(e);
return "";
}
}
/**
* 构建借款人短信通知的内容
*
* @param notifyTemplate
* @return
* @author: zhangyunhmf
* @date: 2014年10月8日下午5:34:56
*/
public String buildPubliserSmsContent(RepaymentContext rc, String notifyTemplate) {
try {
String userName = rc.getUsername();
BorrowDo borrow = rc.getBorrow();
RepaymentDo repayDo = rc.getRepaymentDo();
Map<String, Object> messageObject = new HashMap<String, Object>();
messageObject.put("userName", userName);
messageObject.put("borrowTitle", borrow.getBorrowTitle());
messageObject.put("repayPeriod", repayDo.getRepayPeriod());
messageObject.put("needAmount",
NumberUtil.formatDouble(repayDo.getStillInterest() + repayDo.getStillPrincipal()));
messageObject.put("fee", NumberUtil.formatDouble(repayDo.getRepayFee()));
messageObject.put("consultFee", NumberUtil.formatDouble(repayDo.getConsultFee()));
return NotifyTemplateUtil.getContentByTemplate(notifyTemplate, messageObject);
} catch (Throwable e) {
logger.error(e);
return "";
}
}
/**
* 插入通知
*
* @author: zhangyunhmf
* @date: 2014年9月24日上午10:04:58
*/
protected void addNotify(String userPhone, String messageContent) {
try {
SMSNotifyDo msg = new SMSNotifyDo();
msg.setAsync(false);
msg.setRecievers(userPhone);
msg.setSendFlag("F");
msg.setValidate("T");
msg.setSmsType(SmsType.YOUXUNTONG.name());
msg.setMessageType(MessageType.SMS.name());
msg.setSimpleMessage(messageContent);
smsDao.addMessage(msg);
} catch (Throwable e) {
logger.error(e);
}
}
/**
* 更新借款人金额
*
* @author: zhangyunhmf
* @date: 2014年10月8日下午6:47:41
*/
public void updatePublisherAmount(RepaymentContext rc) {
// 跟新成功的金额
rc.freshRepaymentAmount();
RepaymentDo repaymentDo = rc.getRepaymentDo();
String userAmountChangeDirect = "-";
FundDo fund = fundDao.getById(com.hehenian.biz.common.base.constant.Constants.FEE_CODE_REPAY);
String url = this
.buildPublisherFundRecordRemark(rc, RepaymentContext.fundrecord_remark_url,
fund.getFundName());
long userId = rc.getUserId();
double pi = repaymentDo.getHasPi();
// 扣除还款金额 本金和利息
userComponent.updateUsableSum(pi, userAmountChangeDirect, userId);
FundrecordDo repayFundrecord = new FundrecordDo();
repayFundrecord.setRemarks(url + fund.getFundName() + "[" + pi + "]元");
repayFundrecord.setBorrowId(repaymentDo.getBorrowId());
repayFundrecord.setHandleSum(pi);
repayFundrecord.setUserId(userId);
repayFundrecord.setFundMode(fund.getFundName());
repayFundrecord.setRepaymentId(repaymentDo.getId());
repayFundrecord.setPaynumber(repaymentDo.getId() + "");
repayFundrecord.setOperateType(new Integer(com.hehenian.biz.common.base.constant.Constants.FEE_CODE_REPAY));
repayFundrecord.setSpending(pi);
fundrecordComponent.addFundByRepay(repayFundrecord);
// 扣除各种费用
List<RepaymentFeeDo> feeList = repaymentDo.getFeeList();
if (null != feeList) {
for (RepaymentFeeDo rf : feeList) {
double feeAmount = rf.getHasAmount();
if (feeAmount <= 0) {
continue;
}
userComponent.updateUsableSum(feeAmount, userAmountChangeDirect, userId);
fund = fundDao.getById(rf.getFeeCode());
String fundRemark = url + fund.getFundName() + "[" + feeAmount + "]元";
repayFundrecord = new FundrecordDo();
repayFundrecord.setRemarks(fundRemark);
repayFundrecord.setBorrowId(repaymentDo.getBorrowId());
repayFundrecord.setHandleSum(feeAmount);
repayFundrecord.setUserId(userId);
repayFundrecord.setFundMode(fund.getFundName());
repayFundrecord.setRepaymentId(repaymentDo.getId());
repayFundrecord.setPaynumber(repaymentDo.getId() + "");
repayFundrecord.setOperateType(Integer.valueOf(rf.getFeeCode()));
repayFundrecord.setSpending(feeAmount);
fundrecordComponent.addFundByRepay(repayFundrecord);
}
}
}
public void updateInvestorAmount(RepaymentContext rc, long repaymentId, long investId, long borrowId,
double recivedPrincipal, double recivedInterest, double recivedFI, double investFee, long investor,
int isWebRepay) {
double recivedSum = recivedPrincipal + recivedInterest;
FundDo fund = fundDao.getById("151");
String fundRemark = this.buildInvestorFundRecordRemark(rc, RepaymentContext.fundrecord_remark_template_invest,
fund.getFundName(), recivedSum);
// 扣除还款金额
userComponent.updateUsableSum(recivedSum, "+", investor);
FundrecordDo repayFundrecord = new FundrecordDo();
repayFundrecord.setRemarks(fundRemark);
repayFundrecord.setBorrowId(borrowId);
repayFundrecord.setHandleSum(recivedSum);
repayFundrecord.setUserId(investor);
repayFundrecord.setFundMode(fund.getFundName());
repayFundrecord.setRepaymentId(repaymentId);
repayFundrecord.setPaynumber(repaymentId + "");
repayFundrecord.setOperateType(151);
repayFundrecord.setIncome(recivedSum);
fundrecordComponent.addFundByRepay(repayFundrecord);
// 罚息收入
if (isWebRepay == 1) {
if (recivedFI > 0) {
fund = fundDao.getById("156");
fundRemark = this.buildInvestorFundRecordRemark(rc, RepaymentContext.fundrecord_remark_template_invest,
fund.getFundName(), recivedFI);
// 扣除还款金额
userComponent.updateUsableSum(recivedFI, "+", investor);
FundrecordDo fundrecordFI = new FundrecordDo();
fundrecordFI.setRemarks(fundRemark);
fundrecordFI.setBorrowId(borrowId);
fundrecordFI.setHandleSum(recivedFI);
fundrecordFI.setUserId(investor);
fundrecordFI.setFundMode(fund.getFundName());
fundrecordFI.setRepaymentId(repaymentId);
fundrecordFI.setPaynumber(repaymentId + "");
fundrecordFI.setOperateType(156);
fundrecordFI.setIncome(recivedFI);
fundrecordComponent.addFundByRepay(fundrecordFI);
}
}
// 投资人扣除投资管理费
if (investFee > 0) {
fund = fundDao.getById("651");
fundRemark = this.buildInvestorFundRecordRemark(rc, RepaymentContext.fundrecord_remark_template_invest,
fund.getFundName(), investFee);
// 扣除还款金额
userComponent.updateUsableSum(investFee, "-", investor);
FundrecordDo fundrecordFee = new FundrecordDo();
fundrecordFee.setRemarks(fundRemark);
fundrecordFee.setBorrowId(borrowId);
fundrecordFee.setHandleSum(investFee);
fundrecordFee.setUserId(investor);
fundrecordFee.setFundMode(fund.getFundName());
fundrecordFee.setRepaymentId(repaymentId);
fundrecordFee.setPaynumber(repaymentId + "");
fundrecordFee.setOperateType(651);
fundrecordFee.setSpending(investFee);
fundrecordComponent.addFundByRepay(fundrecordFee);
// 投资手续费累加到风险保障金
insertRiskDetail(borrowId, investor, "投资管理费", "收入", investFee, 0);
}
// 插入短信通知
try {
AccountUserDo user = this.userComponent.getById(investor);
String smsContent = this.buildInvestorSmsContent(rc, RepaymentContext.sms_invest_template,
user.getUsername(), recivedPrincipal, recivedInterest, recivedFI, investFee);
PersonDo person = personComponent.getByUserId(investor);
String userPhone = person.getCellPhone();
addNotify(userPhone, smsContent);
} catch (Exception e) {
logger.error("构建短信信息失败");
logger.error(e);
}
// end 插入短信通知
}
/**
* 处理代偿:更新担保公司的资金; 并登记风险保障金变动过程
*
* @param needAmount
* 还款金额
* @param newRiskDetailDo
* 风险保障对象
* @author: zhangyunhmf
* @date: 2014年9月24日下午4:44:42
*/
protected void insertRiskDetail(long borrowId, long userId, String resource, String riskType, double riskInCome,
double riskSpending) {
RiskDetailDo newRiskDetailDo = new RiskDetailDo();
newRiskDetailDo.setBorrowId(borrowId);
newRiskDetailDo.setTrader(userId);
newRiskDetailDo.setResource(resource);
newRiskDetailDo.setRiskType(riskType);
newRiskDetailDo.setRiskInCome(riskInCome);
newRiskDetailDo.setRiskSpending(riskSpending);
// 偿还给网站累加到风险保障金中
riskDetailComponent.addRiskAndSumBalance(newRiskDetailDo);
}
/**
* 数据和权限检查
*
* @author: zhangyunhmf
* @return 返回0表示调用成功
* @date: 2014年10月22日上午10:24:03
*/
public int doCheck(RepaymentContext rc) {
boolean checkResult = false;
try {
// 获取还款对象
RepaymentDo repaymentDo = this.getRepaymentDo(rc);
if (null == repaymentDo) {
return 1;
}
// 检查回款记录
if (null == rc.getInvestList() || rc.getInvestList().size() < 1) {
return 8;
}
// 获取总还款金额
double needSum = repaymentDo.getStillTotalAmount();
checkResult = checkRepaymentAmount(needSum);
if (!checkResult) {
return 2;
}
long userId = rc.getUserId();
// 不检查金额了
// checkResult = checkAmount(userId, needSum);
// if (!checkResult) {
// return 3;
// }
// 检查状态还款记录
checkResult = checkRepaymentStatus(repaymentDo);
if (!checkResult) {
return 5;
}
checkResult = checkUser(rc);
if (!checkResult) {
return 6;
}
// 通过还款id获取 标的
BorrowDo borrow = rc.getBorrow();
// 检查还款期数, 如果已还款期数>= 借款期数 表示已经还款完毕
/*
* 2015-02-07 集团贷的 deadline 期数不太正确 checkResult =
* checkDeadline(borrow.getDeadline(), borrow.getHasDeadline()); if
* (!checkResult) { return 7; }
*/
return 0;
} catch (Throwable e) {
logger.error("还款失败", e);
return 9;
}
}
/**
* 还款之前把需要还款的记录状态更新成还款中
*
* @return
*/
public boolean lock(RepaymentDo repaymentDo) {
// 更新版本
int repayVersion = repaymentDo.getVersion();
repayVersion = repayVersion + 1;
repaymentDo.setVersion(repayVersion);
return updateRepayVersion(repayVersion, 3, repaymentDo.getId());// 还款中
}
/**
* 如果还款过程中失败， 还款状态可能会被处理成 还款中的， 营运将操作不了，所以要解锁
*/
public void unLock(RepaymentDo repaymentDo) {
// 更新版本
int repayVersion = repaymentDo.getVersion();
repayVersion = repayVersion + 1;
repaymentDo.setVersion(repayVersion);
repaymentComponent.unLock(repayVersion, 1, repaymentDo.getId()); // 解锁
}
/**
*
* callManagerService 调用汇付
*
* @param list
* @return OutParameter
* @exception
* @since 1.0.0
*/
public IResult callChinaPnrService(RepaymentContext rc) {
// RepaymentContext rc = this.getContext();
String outCustId = this.getOutCustId(rc);
String divDetails = ""; // 包装咨询费和手续费json字符
double transAmt = 0; // 投资者应收总额
String inAcctId = "";
String outAcctId = this.getOutAcctId();
List<InvestRepaymentWrap> investList = rc.getInvestList();
// String[][] feeDiv = rc.getFeeDiv();
for (int i = 0, size = investList.size(); i < size; i++) {
InvestRepaymentWrap irWrap = investList.get(i);
InvestRepaymentDo investRepayDo = irWrap.getInvestRepaymentDO();
transAmt = investRepayDo.getRecivedTotalAmount();
divDetails = irWrap.getDivDetails(this.feeAccountMap);
String ordId = String.valueOf(investRepayDo.getId());
String inCustId = String.valueOf(investRepayDo.getOwnerUser().getUsrCustId());
String subOrdId = String.valueOf(investRepayDo.getInvestDo().getSubOrdId());
String subOrdDate = DateUtil.dateToYMD(investRepayDo.getInvestDo().getSubOrdDate());
// 如果该记录已代偿,收款人为担保公司,inCustId为商户子账户
if (investRepayDo.getIsWebRepay() == 2) {
inCustId = chinaPnrConfig.getCompCustId(); // 代偿账户汇付ID
inAcctId = chinaPnrConfig.getCompAccount(); // 代偿账户
transAmt = investRepayDo.getRecivedPI();
}
// 累加罚息
// transAmt = CalculateUtils.add(transAmt, fi);
InParameter inParameter = new InParameter();
inParameter.setOrdId(ordId);
inParameter.setVersion("20");
inParameter.getParams().put("OutCustId", outCustId);// 出账客户号
inParameter.getParams().put("OutAcctId", outAcctId);// 出账子账户
inParameter.getParams().put("InCustId", inCustId);// 入账客户号
inParameter.getParams().put("InAcctId", inAcctId);// 入账子账户
inParameter.getParams().put("SubOrdId", subOrdId);// 订单号 变长 20 位
// 由商户的系统生成，必须保证唯一。
inParameter.getParams().put("SubOrdDate", subOrdDate);// 关联投标订单流水日期是
inParameter.getParams().put("TransAmt", NumberUtil.formatDouble(transAmt));// 金额
// Fee 扣款手续费, 放款或扣款的手续费
String totalInvestorFee = CalculateUtils.round(irWrap.getFeeSum());
inParameter.getParams().put("Fee", totalInvestorFee);
inParameter.getParams().put("DivDetails", divDetails);// 分账账户串 变长
inParameter.getParams().put("MerPriv", "Repayment");
OutParameter outParameter = accountManagerService.repayment(inParameter, AccountType.CHINAPNR);
// 保存汇付调用信息
irWrap.setSuccess(outParameter.isSuccess());
if (outParameter.isSuccess()) {// 调用成功更新数据
this.updateInVestor(rc, irWrap);
} else {
// 调用汇付失败下标号
rc.setCallChinapnrErrorIndex(i);
return new ResultSupport<Object>(false, "错误的订单号：" + inParameter.getOrdId() + outParameter.getRespDesc());
}
}
return new ResultSupport<Object>(true, "调用汇付成功");
}
/**
* 更新投资人金额
*
* @author: zhangyunhmf
* @date: 2014年9月24日上午9:58:13
*/
public void updateInVestor(RepaymentContext rc, InvestRepaymentWrap irWrap) {
RepaymentDo repaymentDo = this.getRepaymentDo(rc);
int isWebRepay = repaymentDo.getIsWebRepay(); // 是否代偿
long borrowId = repaymentDo.getBorrowId(); // 标的ID
InvestRepaymentDo investDo = irWrap.getInvestRepaymentDO();
double hasfi = irWrap.getFeeByFeeCode(Constants.FEE_CODE_FX);
// 判断该还款记录是否被代偿过
// if (2 == isWebRepay) {
// // 更新担保公司的资金
// guaranteeInstitutionsComponent.updateOrganMoney(investDo.getRecivedTotalAmount());
// insertRiskDetail(borrowId, rc.getUserId(), "逾期垫付网站收入", "收入", needSum,
// 0);
// }
// 更新投资收款信息
updateInvestRepayment(rc, investDo);
// 记录交易费用
repaymentComponent.addRepaymentFee(irWrap.getProportionFeeList());
if (!"COMP_REPAY".equals(rc.getOperationType())) {
// 记录已还本金和利息
RepaymentDo newRepaymentDo = new RepaymentDo();
newRepaymentDo.setId(repaymentDo.getId());
newRepaymentDo.setHasFi(hasfi);
newRepaymentDo.setHasPi(investDo.getRecivedPI());
repaymentComponent.updateRepaymentHasAmountById(newRepaymentDo);
}
if (2 != isWebRepay) { // 代偿的时候已经更新过投资记录，所以这里不重复更新
// 更新投资记录还款信息
InvestDo newInvestDo = new InvestDo();
newInvestDo.setId(investDo.getInvestId());
newInvestDo.setHasInterest(investDo.getRecivedInterest());
newInvestDo.setHasPrincipal(investDo.getRecivedPrincipal());
newInvestDo.setHasFI(hasfi);
newInvestDo.setManageFee(investDo.getImanageFee());
investComponent.updateHasAmount(newInvestDo);
}
// 获取owner
long investor = investDo.getOwner();
if (2 == isWebRepay) { // 如果代偿修改代偿用户的可用资金
AccountUserDo accountUser = this.userComponent.getUserByCustId(this.chinaPnrConfig.getCompCustId());
if (null != accountUser) {
investor = accountUser.getId();
}
}
// 修改投资人资金收入
updateInvestorAmount(rc, repaymentDo.getId(), investDo.getInvestId(), borrowId, investDo.getRecivedPrincipal(),
investDo.getRecivedInterest(), investDo.getRecivedFi(), investDo.getImanageFee(), investor, isWebRepay);
}
/**
*
* 更新回款表 , 如果是代偿操作isWebPay = 2 ,并且要加一条新的还款记录表示代偿
*
* @param investDo
* @author: zhangyunhmf
* @date: 2014年10月23日上午10:53:41
*/
public void updateInvestRepayment(RepaymentContext rc, InvestRepaymentDo investDo) {
InvestRepaymentDo newInvestRepaymentDo = new InvestRepaymentDo();
newInvestRepaymentDo.setInterestOwner(investDo.getOwner());
// 如果是代偿操作这里应该设置成2
newInvestRepaymentDo.setIsWebRepay(investDo.getIsWebRepay());
newInvestRepaymentDo.setRecivedFi(investDo.getRecivedFi());
newInvestRepaymentDo.setOwner(investDo.getOwner());
newInvestRepaymentDo.setInvestId(investDo.getInvestId());
newInvestRepaymentDo.setRepayId(investDo.getRepayId());
newInvestRepaymentDo.setId(investDo.getId());
newInvestRepaymentDo.setRecivedPrincipal(investDo.getRecivedPrincipal());
newInvestRepaymentDo.setRecivedInterest(investDo.getRecivedInterest());
investRepaymentComponent.updateRecievedAmount(newInvestRepaymentDo);
}
/**
*
* 更改数据库的相关记录的金额
*
* @author: zhangyunhmf
* @return 0 表示调用成功
* @date: 2014年9月28日下午3:55:30
*/
public int updateStatus(RepaymentContext rc) {
RepaymentDo repaymentDo = rc.getRepaymentDo();
// 更新还款状态
updateRepaymentStatus(rc);
// 更新担保公司
// updateGuarantee(rc);
// start 更新借款人的可用资金
// 更新投资状态
updateInvestStatus(repaymentDo.getBorrowId());
// 更新标的的状态， 和还款期数
updateBorrow(repaymentDo.getBorrowId());
return 0;
}
/**
* 更新投资状态
*
* @author: zhangyunhmf
* @date: 2014年10月23日上午11:35:26
*/
public void updateInvestStatus(long borrowId) {
investComponent.updateRepayStatusByBorrowId(borrowId);
}
/**
* 更新风险保障金
*
* @author: zhangyunhmf
* @date: 2014年10月23日上午11:29:56
*/
protected void updateGuarantee(RepaymentContext rc) {
// TODO Auto-generated method stub
}
}