/**
* @Project: hehenian-biz-service
* @Package com.hehenian.biz.component.trade.impl
* @Title: PreRepaymenet.java
* @Description: TODO
* @author: zhangyunhmf
* @date 2014年9月28日 上午8:41:20
* @Copyright: HEHENIAN Co.,Ltd. All rights reserved.
* @version V1.0
*/
package com.hehenian.biz.component.trade.impl;
import java.util.ArrayList;
import java.util.List;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Component;
import com.hehenian.biz.common.base.constant.Constants;
import com.hehenian.biz.common.settle.SettleCalculatorUtils;
import com.hehenian.biz.common.system.dataobject.FeeRuleDo;
import com.hehenian.biz.common.system.dataobject.FeeRuleDo.RuleType;
import com.hehenian.biz.common.trade.dataobject.InvestRepaymentDo;
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.util.CalculateUtils;
import com.hehenian.biz.component.system.IFeeRuleComponent;
/**
*
* 提前结清： 借款人需要支付的费用 ： 当前期大于3期： 1. 咨询方的咨询费 = 最后未还款期数 至 当前期数之间的咨询费之和 2. 咨询方的手续费 =
* 最后未还款期数 至 当前期数之间的手续费之和 3. 支付给代偿方的罚金= 最后未还款期数 至 当前期数之间的罚金之和 3. 提前结清手续费 =
* 当前期数的剩余本金*提前结清费率 4. 支付的利息 = 最后未还款期数 至 当前期数之间的应还利息之和 5. 支付的本金 =
* 所有未还款期数的应还款本金之和
*
* 当前期数未满三期： 1. 咨询方的咨询费 = 最后未还款期数 至 第三期数之间的咨询费之和 2. 咨询方的手续费 = 最后未还款期数 至
* 第三期数之间的手续费之和 3. 支付给代偿方的罚金= 最后未还款期数 至 第三期数之间的罚金之和 3. 提前结清手续费 =
* 当前期数的剩余本金*提前结清费率 4. 支付的利息 = 最后未还款期数 至 第三期数之间的应还利息之和 5. 支付的本金 =
* 所有未还款期数的应还款本金之和
*
* 投资人的收益： 当前期大于3期： 1. 所有未偿还本金+ 最后未还款期数 至 当前期数之间的罚金之和 + 最后未还款期数 至 当前期数之间的应还利息之和
* 当前期数未满三期： 1. 所有未偿还本金+ 最后未还款期数 至 第三期数之间的罚金之和 + 最后未还款期数 至 第三期数之间的应还利息之和 代偿方收益 ：
* 1. 代偿本金 2. 代偿利息 3. 借款人罚金 咨询方收益： 咨询费
*
* @author: zhangyunhmf
* @date 2014年9月28日 上午8:41:20
*/
@Component("preSettleRepayComponentImpl")
public class PreSettleRepayComponentImpl extends DefaultAbstractRepayComponent {
private static final String notify_template = "sms_repay_presettle.ftl";
@Autowired
private IFeeRuleComponent feeRuleComponent;
/**
* 构建还款列表
*
* @author: zhangyunhmf
* @date: 2014年10月8日下午1:58:05
*/
@Override
public int buildInvestList(RepaymentContext rc) {
RepaymentDo repayDo = rc.getRepaymentDo();
long borrowId = rc.getBorrowId();
// 查询所有投资人的投资信息
List<InvestRepaymentDo> investList = this.investRepaymentComponent.selectPreRepayByBorrowId(repayDo.getId(),
borrowId);
investList = removeInvalidateRecord(investList);
if (null == investList || investList.size() < 1) {
return 0;
}
rc.setInvestList(this.convertInvestRepaymentWrap(investList));
return investList.size();
}
/**
* 移除金额为0的记录
*
* @param investList
*/
private List<InvestRepaymentDo> removeInvalidateRecord(List<InvestRepaymentDo> investList) {
if (null == investList) {
return null;
}
List<InvestRepaymentDo> tmpList = new ArrayList<InvestRepaymentDo>();
for (int i = 0, size = investList.size(); i < size; i++) {
InvestRepaymentDo investRepay = investList.get(i);
Double recivedPrincipal = investRepay.getRecivedPrincipal();
Double recivedInterest = investRepay.getRecivedInterest();
boolean isNotPrincipalZero = false;
boolean isNotInterestZero = false;
if (recivedPrincipal != null && recivedPrincipal > 0) {
isNotPrincipalZero = true;
}
if (recivedInterest != null && recivedInterest > 0) {
isNotInterestZero = true;
}
if (isNotPrincipalZero || isNotInterestZero) {
tmpList.add(investRepay);
}
}
return tmpList;
}
/*
* (no-Javadoc) <p>Title: updateBorrow </p> <p>Description: 把标的状态更新为提前还款状态 =
* 10 </p>
*
* @param borrowId
*
* @see
* com.hehenian.biz.component.trade.impl.DefaultRepayment#updateBorrow(long)
*/
@Override
public void updateBorrow(long borrowId) {
this.borrowComponent.updateBorrowStatusByPreRepay(borrowId);
}
/*
* (no-Javadoc) <p>Title: buildRepaymentFee</p> <p>Description: 提前结清手续费</p>
*
* @see com.hehenian.biz.service.trade.impl.DefaultAbstractRepayService#
* buildRepaymentFee()
*/
@Override
public void buildRepaymentFee(RepaymentDo repayDo, Integer paymentMode) {
super.buildRepaymentFee(repayDo, paymentMode);
//2015-1-12 修改，修改成从配置读
/*
double feeRate = Constants.PRE_REPAY_RATE;
if (paymentMode.intValue() == 3) {
feeRate = Constants.PRE_REPAY_RATE2;
}
if (paymentMode.intValue() == 2) {
feeRate = Constants.PRE_REPAY_RATE3;
}
double preFee = repayDo.buildPreSettleFee(feeRate);
*/
double preFee = 0;
FeeRuleDo feeRuleDo = feeRuleComponent.getBySchemeIdAndRuleType(paymentMode.longValue(), RuleType.SETTLE_FEE);
if (null == feeRuleDo) {
this.logger
.warn("feeRuleDo is null========================================================================paymentMode"
+ paymentMode + " RuleType.SETTLE_FEE" + RuleType.SETTLE_FEE);
preFee = repayDo.buildPreSettleFee(0.03d);
} else {
Double principalBlance = repayDo.getPrincipalBalance();
if (null != principalBlance) {
preFee = CalculateUtils.round(SettleCalculatorUtils.calSettleFee(principalBlance, null, feeRuleDo), 2);
}
}
// end 2015-1-12 修改，修改成从配置读
if (CalculateUtils.le(preFee, 0d)) {
return;
}
RepaymentFeeDo tmpFee = repayDo.getRepaymentFee(Constants.FEE_CODE_PRE);
if (tmpFee == null) {
RepaymentFeeDo rf = new RepaymentFeeDo(null, Constants.FEE_CODE_PRE, preFee, 0d);
repayDo.addRepaymentFee(rf);
} else {
tmpFee.setStillAmount(preFee);
}
}
/*
* (no-Javadoc) <p>Title: updateRepaymentStatus </p> <p>Description:
* 提前还款，根据标的ID更新所有的还款记录的状态 =10 提前还款 </p>
*
* @see
* com.hehenian.biz.component.trade.impl.DefaultRepayment#updateRepaymentStatus
* ()
*/
@Override
public void updateRepaymentStatus(RepaymentContext rc) {
RepaymentDo repaymentDo = rc.getRepaymentDo();
long borrowId = rc.getBorrowId();
this.repaymentComponent.updateRepaymentStatusByPreRepay(repaymentDo.getId(), borrowId);
}
/*
* 当前期大于3期： 1. 咨询方的咨询费 = 最后未还款期数 至 当前期数之间的咨询费之和 2. 咨询方的手续费 = 最后未还款期数 至
* 当前期数之间的手续费之和 3. 支付给代偿方的罚金= 最后未还款期数 至 当前期数之间的罚金之和 3. 提前结清手续费 =
* 当前期数的剩余本金*提前结清费率 4. 支付的利息 = 最后未还款期数 至 当前期数之间的应还利息之和 5. 支付的本金 =
* 所有未还款期数的应还款本金之和
*
* 当前期数未满三期： 1. 咨询方的咨询费 = 最后未还款期数 至 第三期数之间的咨询费之和 2. 咨询方的手续费 = 最后未还款期数 至
* 第三期数之间的手续费之和 3. 支付给代偿方的罚金= 最后未还款期数 至 第三期数之间的罚金之和 3. 提前结清手续费 =
* 当前期数的剩余本金*提前结清费率 4. 支付的利息 = 最后未还款期数 至 第三期数之间的应还利息之和 5. 支付的本金 =
* 所有未还款期数的应还款本金之和 <p>Title: getRepayment</p> <p>Description: 提前还款时参数
* repayId 可能不时当期的repayId ，所以根据borrowId获取repaymentDo </p>
*
* @return
*
* @see
* com.hehenian.biz.component.trade.impl.DefaultRepayment#getRepayment(long)
*/
@Override
public RepaymentDo buildRepayment(RepaymentContext rc) {
long borrowId = rc.getBorrowId();
// 获取当期ID
RepaymentDo currentRepaymentDo = this.repaymentComponent.selectCurrentPeriod(borrowId);
/*
long currentRepayId = currentRepaymentDo.getId();
RepaymentDo thirdRepaymentDo = this.repaymentComponent.selectThirdPeriod(borrowId);
// 不满三期，取最后一期
if (null == thirdRepaymentDo) {
thirdRepaymentDo = this.repaymentComponent.selectLastPeriod(borrowId);
}
if (currentRepayId < thirdRepaymentDo.getId()) {
currentRepaymentDo = thirdRepaymentDo;
}
*/
RepaymentDo repayDo = this.repaymentComponent.selectPreRepayTotalAmountByBorrowId(borrowId,
currentRepaymentDo.getId());
if (null == repayDo) {
return null;
}
repayDo.setPrincipalBalance(currentRepaymentDo.getPrincipalBalance()); // 当期剩余本金，计算提前结清手续费用
repayDo.setRepayStatus(1);// 设置成未还款
repayDo.setIsWebRepay(1);
repayDo.setVersion(currentRepaymentDo.getVersion());
repayDo.setId(currentRepaymentDo.getId());
repayDo.setRepayPeriod(currentRepaymentDo.getRepayPeriod());
repayDo.setHasFi(0d);
repayDo.setHasPi(0d);
rc.setRepaymentDo(repayDo);
rc.setRepaymentId(repayDo.getId());
return repayDo;
}
/**
* 更新投资状态
*
* @author: zhangyunhmf
* @date: 2014年10月23日上午11:35:26
*/
@Override
public void updateInvestStatus(long borrowId) {
investComponent.updateRepayStatusForPreSettle(borrowId);
}
/**
*
* 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
*/
@Override
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(rc.getRepaymentId());
newInvestRepaymentDo.setId(investDo.getId());
newInvestRepaymentDo.setRecivedInterest(investDo.getRecivedInterest());
newInvestRepaymentDo.setRecivedPrincipal(investDo.getRecivedPrincipal());
investRepaymentComponent.updateRepayStatusByPreRepay(newInvestRepaymentDo);
}
}