package com.hehenian.biz.service.trade.impl;
import com.hehenian.biz.common.account.dataobject.AccountUserDo;
import com.hehenian.biz.common.account.dataobject.PersonDo;
import com.hehenian.biz.common.base.dataobject.NPageDo;
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.trade.IBorrowService;
import com.hehenian.biz.common.trade.dataobject.BorrowDo;
import com.hehenian.biz.common.trade.dataobject.InvestDo;
import com.hehenian.biz.common.util.CalculateUtils;
import com.hehenian.biz.common.util.MoneyUtil;
import com.hehenian.biz.component.account.IBankCardComponent;
import com.hehenian.biz.component.account.IPersonComponent;
import com.hehenian.biz.component.account.IUserComponent;
import com.hehenian.biz.component.trade.IBorrowComponent;
import com.hehenian.biz.component.trade.IInvestComponent;
import com.hehenian.biz.component.trade.IReconciliationComponent;
import com.hehenian.biz.facade.account.AccountType;
import com.hehenian.biz.facade.account.IAccountManagerService;
import com.hehenian.biz.facade.account.parameter.InParameter;
import com.hehenian.biz.facade.account.parameter.OutParameter;
import org.apache.commons.lang.time.DateUtils;
import org.apache.log4j.Logger;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Service;
import java.math.BigDecimal;
import java.util.*;
/**
* @author zhangyunhua
* @version 1.0
* @since 1.0
*/
@Service("borrowService")
public class BorrowServiceImpl implements IBorrowService {
private final Logger logger = Logger.getLogger(this.getClass());
@Autowired
private IAccountManagerService accountManagerService;
@Autowired
private IBorrowComponent borrowComponent;
@Autowired
private IInvestComponent investComponent;
@Autowired
private IUserComponent userComponent;
@Autowired
private IPersonComponent personComponent;
@Autowired
private IReconciliationComponent reconciliationComponent;
@Autowired
private IBankCardComponent bankCardComponent;
/**
* 根据ID 查询
*
* @parameter id
*/
public BorrowDo getById(Long id) {
return borrowComponent.getById(id);
}
/**
* 根据条件查询列表
*/
public List<BorrowDo> selectBorrow(Map<String, Object> parameterMap) {
return borrowComponent.selectBorrow(parameterMap);
}
/**
* 更新
*/
public int updateBorrowById(BorrowDo newBorrowDo) {
return borrowComponent.updateBorrowById(newBorrowDo);
}
/**
* 新增
*/
public int addBorrow(BorrowDo newBorrowDo) {
return borrowComponent.addBorrow(newBorrowDo);
}
/**
* 删除
*/
public int deleteById(Long id) {
return borrowComponent.deleteById(id);
}
@Override
public IResult<?> updateBorrowFullScale(Long borrowId, Integer borrrowStatus, String auditOpinion, Long adminId) {
IResult<String> result = new ResultSupport<String>();
try {
// 校验标的是否符合放款要求
result = checkBorrowFullScale(borrowId, borrrowStatus);
if (!result.isSuccess()) {
return result;
}
// 调用汇付的接口放款给借款人
lending(borrowId, borrrowStatus, adminId);
// 平台放款处理
borrowComponent.updateBorrowFullScale(borrowId, borrrowStatus, adminId);
result.setSuccess(true);
} catch (BusinessException e) {
result.setSuccess(false);
result.setErrorMessage(e.getMessage());
logger.error("标的[" + borrowId + "]放款失败，" + e.getMessage(), e);
} catch (Exception e) {
result.setSuccess(false);
result.setErrorMessage("操作失败,请稍后再试!");
logger.error("标的[" + borrowId + "]放款失败，" + e.getMessage(), e);
}
return result;
}
/**
* 调用汇付的接口放款给借款人
*
* @param borrowId
* @param borrrowStatus
* @param adminId
* @return
*/
private void lending(Long borrowId, Integer borrrowStatus, Long adminId) {
// 根据借款ID查询投资记录
List<InvestDo> investDoList = investComponent.queryByBorrowId(borrowId);
// 查询借款标的记录
BorrowDo borrowDo = borrowComponent.getById(borrowId);
// 查询借款人的用户信息
AccountUserDo borrowUserDo = userComponent.getById(borrowDo.getPublisher());
for (int i = 0; i < investDoList.size(); i++) {
InvestDo investDo = investDoList.get(i);
// 解冻投资的投资金额
if (i >= borrowDo.getUnfreeOk()) {
InParameter inParameter = new InParameter();
inParameter.setTrxId(investDo.getTrxId() + "");
OutParameter outParameter = accountManagerService.usrUnFreeze(inParameter, AccountType.CHINAPNR);
if (!outParameter.isSuccess() && !"重复交易".equals(outParameter.getRespDesc())) {
updateUnFreeAndLoanQty(borrowId, i, i);// 标示解冻多少投资
throw new BusinessException(outParameter.getRespDesc());
}
}
// 放款投资金额给借款人
if (i >= borrowDo.getLoansOk()) {
InParameter inParameter = new InParameter();
inParameter.setOrdId(investDo.getId() + "");
inParameter.getParams().put("OrdDate", investDo.getInvestTime());
AccountUserDo investUserDo = userComponent.getById(investDo.getInvestor());
inParameter.getParams().put("OutCustId", investUserDo.getUsrCustId());
inParameter.getParams().put("TransAmt", investDo.getInvestAmount());
inParameter.getParams().put("Fee", investDo.getManageFee());
inParameter.getParams().put("InCustId", borrowUserDo.getUsrCustId());
inParameter.getParams().put("DivDetails", "");
inParameter.getParams().put("IsDefault", "N");// 是否取现到银行卡
OutParameter outParameter = accountManagerService.loans(inParameter, AccountType.CHINAPNR);
if (!outParameter.isSuccess() && !"重复的放款请求".equals(outParameter.getRespDesc())) {
updateUnFreeAndLoanQty(borrowId, i + 1, i);// 标示放款了多少笔投资
throw new BusinessException(outParameter.getRespDesc());
}
}
}
}
/**
* 修改借款标的的解冻数和放款记录数
*
* @param borrowId
* @param unFreeQty
* @return
*/
private void updateUnFreeAndLoanQty(Long borrowId, Integer unFreeQty, Integer loanQty) {
if (unFreeQty.intValue() == 0 && loanQty.intValue() == 0) {
return;
}
BorrowDo localBorrowDo = borrowComponent.getById(borrowId);
if (localBorrowDo.getUnfreeOk().intValue() >= unFreeQty.intValue()
&& localBorrowDo.getLoansOk().intValue() >= loanQty.intValue()) {
return;
}
BorrowDo borrowDo = new BorrowDo();
borrowDo.setId(borrowId);
borrowDo.setUnfreeOk(unFreeQty);
borrowDo.setLoansOk(loanQty);
borrowDo.setVersion(localBorrowDo.getVersion());
borrowComponent.updateBorrowById(borrowDo);
}
/**
* 校验标的是否符合放款要求
*
* @param borrowId
* @param borrrowStatus
* @return
*/
private IResult<String> checkBorrowFullScale(Long borrowId, Integer borrrowStatus) {
BorrowDo borrowDo = borrowComponent.getById(borrowId);
IResult<String> result = new ResultSupport<String>();
if (borrowDo == null) {
result.setSuccess(false);
result.setErrorMessage("标的不存在!");
return result;
}
if (borrowDo.getBorrowStatus() == null || borrowDo.getBorrowStatus().intValue() != 3) {
result.setSuccess(false);
result.setErrorMessage("满标之后借款才能放款!");
return result;
}
if (borrrowStatus == null || (borrrowStatus.intValue() != 4 && borrrowStatus.intValue() != 6)) {
result.setSuccess(false);
result.setErrorMessage("借款只能做放款和流标处理!");
return result;
}
if (!CalculateUtils.eq(borrowDo.getBorrowAmount(), borrowDo.getHasInvestAmount())) {
result.setSuccess(false);
result.setErrorMessage("借款金额与投资金额不相符!");
return result;
}
result.setSuccess(true);
return result;
}
@Override
public NPageDo<BorrowDo> queryBorrows(Long currentPage, Long pageSize, Map<String, Object> searchItems) {
try {
long totalCount = borrowComponent.getBorrowQty(searchItems);
if (totalCount == 0) {
return new NPageDo<BorrowDo>(currentPage, pageSize, 0l, null);
}
List<BorrowDo> borrowDoList = borrowComponent.queryBorrows(searchItems);
// 获取用户ID列表
List<Long> userIdList = getUserIdList(borrowDoList);
// 设置借款人信息
List<AccountUserDo> userDoList = userComponent.queryByUserIds(userIdList);
for (BorrowDo borrowDo : borrowDoList) {
for (AccountUserDo accountUserDo : userDoList) {
if (borrowDo.getPublisher().longValue() == accountUserDo.getId().longValue()) {
borrowDo.setUserDo(accountUserDo);
break;
}
}
}
// 设计借款人明细信息
List<PersonDo> personDoList = personComponent.queryByUserIds(userIdList);
for (BorrowDo borrowDo : borrowDoList) {
for (PersonDo personDo : personDoList) {
if (borrowDo.getPublisher().longValue() == personDo.getUserId().longValue()) {
borrowDo.setPersonDo(personDo);
break;
}
}
}
return new NPageDo<BorrowDo>(currentPage, pageSize, 0l, borrowDoList);
} catch (Exception e) {
logger.error(e.getMessage(), e);
return new NPageDo<BorrowDo>(currentPage, pageSize, 0l, null);
}
}
/**
* 获取用户ID列表
*
* @param borrowDoList
* @return
* @author: liuzgmf
* @date: 2014年11月21日上午9:55:26
*/
private List<Long> getUserIdList(List<BorrowDo> borrowDoList) {
List<Long> userIdList = new ArrayList<Long>();
for (BorrowDo borrowDo : borrowDoList) {
userIdList.add(borrowDo.getPublisher());
}
return userIdList;
}
@Override
public IResult<?> queryAgreementParams(Long userId, Long borrowId) {
IResult<Object> result = new ResultSupport<Object>();
try {
// 投资明细信息
List<Map<String, Object>> investList = investComponent.queryInvestDetails(borrowId);
for (Map<String, Object> map : investList) {
if (map.get("investAmount") != null) {
map.put("investAmount", ((BigDecimal) map.get("investAmount")).doubleValue());
}
}
// 借款明细信息
Map<String, Object> borrowMap = borrowComponent.queryBorrowDetails(borrowId);
if (borrowMap.get("borrowAmount") != null) {
borrowMap.put("borrowAmount", ((BigDecimal) borrowMap.get("borrowAmount")).doubleValue());
}
if (borrowMap.get("annualRate") != null) {
borrowMap.put("annualRate", ((BigDecimal) borrowMap.get("annualRate")).doubleValue());
}
if (borrowMap.get("feeRate") != null) {
borrowMap.put("feeRate", ((BigDecimal) borrowMap.get("feeRate")).doubleValue());
}
if (borrowMap.get("auditTime") != null && borrowMap.get("deadline") != null) {
Date auditTime = (Date) borrowMap.get("auditTime");
Integer dealline = (Integer) borrowMap.get("deadline");
borrowMap.put("endTime", DateUtils.addMonths(auditTime, dealline));
}
// 计算借款手续费
double feeAmt = calFeeAmt(borrowMap);
borrowMap.put("feeAmt", feeAmt);
borrowMap.put("feeAmtCn", MoneyUtil.amountToChinese(feeAmt));
Map<String, Object> params = new HashMap<String, Object>();
params.put("investList", investList);
params.put("borrow", borrowMap);
result.setModel(params);
result.setSuccess(true);
} catch (BusinessException e) {
result.setSuccess(false);
result.setErrorMessage(e.getMessage());
logger.error("标的[" + borrowId + "]放款失败，" + e.getMessage(), e);
} catch (Exception e) {
result.setSuccess(false);
result.setErrorMessage("操作失败,请稍后再试!");
logger.error("标的[" + borrowId + "]放款失败，" + e.getMessage(), e);
}
return result;
}
/**
* 计算借款手续费
*
* @param borrowAmount
* @param feeRate
* @param paymentMode
* @return
* @author: liuzgmf
* @date: 2014年12月22日上午11:42:39
*/
private double calFeeAmt(Map<String, Object> borrowMap) {
Double borrowAmount = (Double) borrowMap.get("borrowAmount");
Double feeRate = (Double) borrowMap.get("feeRate");
Integer paymentMode = (Integer) borrowMap.get("paymentMode");
Integer deadline = (Integer) borrowMap.get("deadline");
if (borrowAmount == null || feeRate == null || paymentMode == null || deadline == null) {
return 0.00;
}
if (paymentMode == 5 || paymentMode == 7) {
return CalculateUtils.round(CalculateUtils.mul(CalculateUtils.mul(borrowAmount, 0.002), deadline), 2);
} else {
return CalculateUtils.round(CalculateUtils.mul(borrowAmount, CalculateUtils.div(feeRate, 100)), 2);
}
}
@Override
public List<Map<String,Object>> queryLoanBorrowList(Map<String, Object> searchItems) {
try {
List<Map<String,Object>> loanBorrowDoList = borrowComponent.queryLoanBorrows(searchItems);
if(loanBorrowDoList == null || loanBorrowDoList.size() ==0){
return null;
}
return loanBorrowDoList;
} catch (Exception e) {
logger.error(e.getMessage(), e);
return null;
}
}
@Override
public List<Map<String,Object>> queryloanBorrowUserList(Map<String, Object> searchItems) {
try {
List<Map<String,Object>> loanBorrowUser = borrowComponent.queryloanBorrowUser(searchItems);
if(loanBorrowUser == null || loanBorrowUser.size() ==0){
return null;
}
return loanBorrowUser;
} catch (Exception e) {
logger.error(e.getMessage(), e);
return null;
}
}
@Override
public List<Map<String, Object>> queryRepaymentList(Map<String, Object> searchItems) {
try {
List<Map<String,Object>> RepaymentList = borrowComponent.queryRepayment(searchItems);
if(RepaymentList == null || RepaymentList.size() ==0){
return null;
}
return RepaymentList;
} catch (Exception e) {
logger.error(e.getMessage(), e);
return null;
}
}
}