package com.sp2p.service;
import java.sql.Connection;
import java.sql.SQLException;
import java.text.DecimalFormat;
import java.util.ArrayList;
import java.util.HashMap;
import java.util.List;
import java.util.Map;
import org.apache.commons.logging.Log;
import org.apache.commons.logging.LogFactory;
import com.shove.Convert;
import com.shove.base.BaseService;
import com.shove.data.DataException;
import com.shove.util.ExcelRateUtil;
import com.sp2p.dao.PhoneInfoDao;
/**
* @ClassName: FinanceToolsService.java
* @Author: li.hou
* @Descrb: 我要理财，工具箱
*/
public class FinanceToolsService extends BaseService {
public static Log log = LogFactory.getLog(FinanceService.class);
private PhoneInfoDao phoneInfoDao = null;
@SuppressWarnings("unused")
private int[] dn = { 31, 28, 31, 30, 31, 30, 31, 31, 30, 31, 30, 31 };
/**
* 收益计算器，按月还款
*
* @param borrowSum
* @param yearRate
* @param borrowTime
* 以月为单位
*/
public List<Map<String, Object>> rateIncome2Month(double borrowSum, double yearRate, int borrowTime, double bidReward, double bidRewardMoney) {
if (borrowSum < 0 || yearRate < 0 || borrowTime < 0) {
return null;
}
List<Map<String, Object>> lists = new ArrayList<Map<String, Object>>();
DecimalFormat df = new DecimalFormat("0.00");
double monRate = yearRate / 12;// 月利率
int monTime = borrowTime;
double val1 = borrowSum * monRate * Math.pow((1 + monRate), monTime);
double val2 = Math.pow((1 + monRate), monTime) - 1;
double monRepay = val1 / val2;// 每月偿还金额
double allSum = Double.valueOf(df.format(monRepay)) * monTime;// 还款本息总额
bidRewardMoney = Double.parseDouble(df.format(bidRewardMoney));
double rewardSum = Double.parseDouble(df.format(borrowSum * bidReward / 100)) + bidRewardMoney;
Map<String, Object> map = new HashMap<String, Object>();
map.put("reward", String.format("%.2f", rewardSum));
double netIncome = allSum - Double.valueOf(df.format(Double.valueOf(df.format(allSum - borrowSum)) * 0.1));
map.put("allSum", String.format("%.2f", allSum));
map.put("monPay", String.format("%.2f", monRepay));
map.put("netIncome", String.format("%.2f", netIncome));// map.put("netIncome",
// df.format(allSum*0.9f));
map.put("rateSum", String.format("%.2f", allSum - borrowSum));
/**
* 年化收益
*/
double rateVal = ExcelRateUtil.excelRate((borrowSum - rewardSum), Double.parseDouble(df.format(monRepay)), monTime, 200, 10);
map.put("income2year", df.format(rateVal * 12 * 100));
lists.add(map);
return lists;
}
/**
* 天标计算
*
* @param borrowSum
* @param yearRate
* @param borrowTime
* @return
*/
public Map<String, Object> rateCalculateDay(double borrowSum, double yearRate, int borrowTime) {
if (borrowSum < 0 || yearRate < 0 || borrowTime < 0) {
return null;
}
DecimalFormat df = new DecimalFormat("0.00");
// 月利率
double i = yearRate * 1f / 12;
// 所借本金
double sum = Double.valueOf(df.format(borrowSum));
// 所还利息
double monForRate = Convert.strToDouble(df.format(sum * i * borrowTime / 30), 0);
double val = borrowSum + monForRate;
Map<String, Object> map = addToMap(borrowTime, val, borrowSum, monForRate, 0, i, val);
return map;
}
/**
* 按月还款。等额本息计算
*/
public List<Map<String, Object>> rateCalculate2Month(double borrowSum, double yearRate, int borrowTime) {
if (borrowSum < 0 || yearRate < 0 || borrowTime < 0) {
return null;
}
DecimalFormat df = new DecimalFormat("0.00");
// 月利率
double i = yearRate * 1f / 12;
double val1 = borrowSum * i * Math.pow((1 + i), borrowTime);
double val2 = Math.pow((1 + i), borrowTime) - 1;
// 每月还款
double monPay = val1 / val2;
// 所借本金
double sum = Double.valueOf(df.format(borrowSum));
// 月还利息 = 剩余本金*月利率
double monForRate = 0;
// 月还本金=每月还款-月还利息
double monForA = 0;
// 每月还款，保留两位小数
double monPay2 = Convert.strToDouble(df.format(monPay), 0);
double allSum = monPay2 * borrowTime;// monPay * borrowTime;//还款本息总额
double payA = 0; // add 2013-04-19
// 本息余额
double payRemain = Double.parseDouble(df.format(allSum));
List<Map<String, Object>> lists = new ArrayList<Map<String, Object>>();
Map<String, Object> map = null;
double val = 0;
try {
for (int j = 1; j <= borrowTime; j++) {
monForRate = Convert.strToDouble(df.format(sum * i), 0);
monForA = Convert.strToDouble(df.format(monPay2 - monForRate), 0);
val = Convert.strToDouble(df.format(monPay2 - monForRate), 0);
sum = Convert.strToDouble(df.format(sum - val), 0);
if (j == borrowTime) {
monPay2 = payRemain;
// 最后一个月要还的本金（总借款本金 - 已还的本金） add 2013-04-19
monForA = borrowSum - payA;// Convert.strToDouble(df.format(monPay2
// - monForRate),0);
monForRate = monPay2 - monForA;
}
payA += monForA;
payRemain = Convert.strToDouble(df.format(payRemain - monPay2), 0);
if (j == borrowTime) {
payRemain = 0;
}
// i*100 月利率以百分比显示
map = addToMap(j, monPay2, monForA, monForRate, payRemain, Convert.strToDouble(df.format(i * 100), 0), Convert.strToDouble(df.format(allSum), 0));
lists.add(map);
}
} catch (Exception e) {
e.printStackTrace();
}
return lists;
}
/**
* 按月还款，每月付息，到期还本
*
* @param borrowSum
* @param yearRate
* @param borrowTime
* @return
*/
public List<Map<String, Object>> rateCalculate2Sum(double borrowSum, double yearRate, int borrowTime) {
if (borrowSum < 0 || yearRate < 0 || borrowTime < 0) {
return null;
}
DecimalFormat df = new DecimalFormat("0.00");
int mon = borrowTime;
// 月利率
double i = yearRate * 1.0f / 12;
borrowSum = Double.parseDouble(df.format(borrowSum));
// 每月还息 = 借款金额*月利率
double monPayRate = Double.parseDouble(df.format(borrowSum * i));// borrowSum
// *
// i;//
double allSum = monPayRate * mon + borrowSum;// 还款本息总额
// 本息余额
double payRemain = Double.parseDouble(df.format(allSum));
double monForA = 0;
double monForRateA = 0;
List<Map<String, Object>> lists = new ArrayList<Map<String, Object>>();
Map<String, Object> map = null;
try {
for (int j = 1; j <= mon; j++) {
payRemain = Convert.strToDouble(df.format(payRemain - monPayRate), 0);
// 除了最后一个月，其余月份还的本息就是月还的利息
monForRateA = monPayRate;
if (j == mon) {
// 最后一个月还本金
monForRateA = Convert.strToDouble(df.format(borrowSum + monPayRate), 0);
monForA = Convert.strToDouble(df.format(borrowSum), 0);
payRemain = 0;
}
// i*100 月利率以百分比显示
map = addToMap(j, monForRateA, monForA, monPayRate, payRemain, Convert.strToDouble((df.format(i * 100)), 0), Convert.strToDouble((df.format(allSum)), 0));
lists.add(map);
}
} catch (Exception e) {
e.printStackTrace();
}
return lists;
}
/**
*
* @param mon
* 月份
* @param monPay
* 月还本息
* @param monForA
* 月还本金
* @param monForRate
* 月还利息
* @param payRemain
* 本息余额
* @param monRate
* 月利率
* @param allPay
* 总还本息
* @return
*/
private Map<String, Object> addToMap(int mon, double monPay, double monForA, double monForRate, double payRemain, double monRate, double allPay) {
Map<String, Object> map = new HashMap<String, Object>();
map.put("mon", mon);
// 保留两位小数，不够两位小数的以0补齐
map.put("monForRateA", String.format("%.2f", monPay));
map.put("monForA", String.format("%.2f", monForA));
map.put("monForRate", String.format("%.2f", monForRate));
map.put("rateARemain", String.format("%.2f", payRemain));
map.put("monRate", String.format("%.2f", monRate));
map.put("allPay", String.format("%.2f", allPay));
return map;
}
/**
* 收益计算器 先息后本
*
* @param borrowSum
* @param yearRate
* @param borrowTime
* @return
*/
public List<Map<String, Object>> rateIncome2Sum(double borrowSum, double yearRate, int borrowTime, double bidReward, double bidRewardMoney) {
if (borrowSum < 0 || yearRate < 0 || borrowTime < 0) {
return null;
}
List<Map<String, Object>> lists = new ArrayList<Map<String, Object>>();
DecimalFormat df = new DecimalFormat("0.00");
double monRate = yearRate / 12;// 月利率
int monTime = borrowTime;// * 12;借款期限填月
borrowSum = Double.parseDouble(df.format(borrowSum));
double monRepay = Double.parseDouble(df.format(borrowSum * monRate));// 每月偿还金额
double allSum = Double.parseDouble(df.format((monRepay * monTime))) + borrowSum;// 还款本息总额
bidRewardMoney = Double.parseDouble(df.format(bidRewardMoney));
double rewardSum = Double.parseDouble(df.format(borrowSum * bidReward / 100)) + bidRewardMoney;
// 扣除10%的管理费
double netIncome = allSum - Double.valueOf(df.format(Double.valueOf(df.format(allSum - borrowSum)) * 0.1));
Map<String, Object> map = new HashMap<String, Object>();
map.put("reward", String.format("%.2f", rewardSum));
map.put("allSum", String.format("%.2f", allSum));
map.put("monPay", String.format("%.2f", monRepay));
map.put("netIncome", String.format("%.2f", netIncome));
map.put("rateSum", String.format("%.2f", allSum - borrowSum));
/**
* 年化收益
*/
double rateVal = ExcelRateUtil.rateTotal(allSum, (borrowSum - rewardSum), borrowTime);
map.put("income2year", String.format("%.2f", rateVal * 100));
lists.add(map);
return lists;
}
/**
* 一次还款
*/
public List<Map<String, Object>> rateCalculate2SumOne(double borrowSum, double yearRate, int borrowTime) {
if (borrowSum < 0 || yearRate < 0 || borrowTime < 0) {
return null;
}
DecimalFormat df = new DecimalFormat("0.00");
int mon = borrowTime;
// 月利率
double i = yearRate / 12;
borrowSum = Double.parseDouble(df.format(borrowSum));
// 每月还息 = 借款金额*月利率
double monPayRate = Double.parseDouble(df.format(borrowSum * i * 0.01));// borrowSum
// *
// i;//
double monPayRateOne = monPayRate;
double allSum = monPayRate * mon + borrowSum;// 还款本息总额
// 本息余额
double payRemain = Double.parseDouble(df.format(allSum));
double monForA = 0;
double monForRateA = 0;
List<Map<String, Object>> lists = new ArrayList<Map<String, Object>>();
Map<String, Object> map = null;
try {
for (int j = 1; j <= mon; j++) {
// payRemain = Convert.strToDouble(df.format(payRemain -
// monPayRate),0);
payRemain = Convert.strToDouble(df.format(payRemain), 0);
// 除了最后一个月，其余月份还的本息就是月还的利息
// monForRateA = monPayRate;
monForRateA = 0;
monPayRate = 0;
if (j == mon) {
// 最后一个月还本金
monForRateA = Convert.strToDouble(df.format(borrowSum + monPayRateOne * mon), 0);
monForA = Convert.strToDouble(df.format(borrowSum), 0);
payRemain = 0;
monPayRate = Double.parseDouble(df.format(borrowSum * i * 0.01)) * mon;
}
// i*100 月利率以百分比显示
map = addToMap(j, monForRateA, monForA, monPayRate, payRemain, Convert.strToDouble((df.format(i)), 0), Convert.strToDouble((df.format(allSum)), 0));
lists.add(map);
}
} catch (Exception e) {
e.printStackTrace();
}
return lists;
}
/**
* 根据手机号码查询手机信息
*
* @param phoneNum
* @return
* @throws SQLException
* @throws DataException
*/
public Map<String, String> getPhoneNumInfo(String phoneNum) throws SQLException, DataException {
Connection conn = connectionManager.getConnection();
Map<String, String> map = null;
try {
map = phoneInfoDao.queryPhoneInfoByNum(conn, phoneNum);
} catch (SQLException e) {
log.error(e);
e.printStackTrace();
throw e;
} catch (DataException e) {
log.error(e);
e.printStackTrace();
throw e;
} finally {
conn.close();
}
return map;
}
/**
* 获得bt_config配置表中的静态信息
*
* @return
* @throws SQLException
* @throws DataException
*/
public List<Map<String, Object>> queryConfigList() throws SQLException, DataException {
Connection conn = connectionManager.getConnection();
try {
return phoneInfoDao.queryConfigList(conn, -1, -1);
} catch (SQLException e) {
log.error(e);
e.printStackTrace();
throw e;
} catch (DataException e) {
log.error(e);
e.printStackTrace();
throw e;
} finally {
conn.close();
}
}
public PhoneInfoDao getPhoneInfoDao() {
return phoneInfoDao;
}
public void setPhoneInfoDao(PhoneInfoDao phoneInfoDao) {
this.phoneInfoDao = phoneInfoDao;
}
public List<Map<String, Object>> rateCalculateHHN(double borrowSum, double yearRate, int borrowTime) {
if (borrowSum < 0 || yearRate < 0 || borrowTime < 0) {
return null;
}
DecimalFormat df = new DecimalFormat("0.00");
borrowSum = Double.valueOf(df.format(borrowSum));
double monthP = Double.valueOf(df.format(borrowSum / borrowTime));// 月还本金
double blanceP = borrowSum;// 剩余本金
double monthI = 0;// 月还利息
double rate = yearRate / 12;// 月利率
double allPay = 0;// 利息总额
List<Map<String, Object>> lists = new ArrayList<Map<String, Object>>();
Map<String, Object> map = null;
for (int i = 0; i < borrowTime; i++) {
map = new HashMap<String, Object>();
monthI = Double.valueOf(df.format(blanceP * rate));// 月还利息=剩余本金*月利率
map.put("mon", i + 1);// 期数
map.put("monForRateA", df.format(monthP + monthI));// 月还本息
map.put("monForA", df.format(monthP));// 月还本金
map.put("monForRate", df.format(monthI));// 月还利息
lists.add(map);
allPay += monthI;
blanceP -= monthP;
}
lists.get(0).put("monRate", df.format(rate * 100));// 月利率
lists.get(0).put("allPay", df.format(borrowSum + allPay));// 还款本息总额
if (borrowSum != monthP * borrowTime) {// 缺失的本金加到最后一次还款中
map = lists.get(lists.size() - 1);
double temp = Double.valueOf(df.format(borrowSum - monthP * borrowTime));
map.put("monForA", df.format(temp + Double.valueOf(map.get("monForA") + "")));
map.put("monForRateA", df.format(temp + Double.valueOf(map.get("monForRateA") + "")));
}
double allPays = borrowSum + allPay;
for (int i = 0; i < borrowTime; i++) {// 计算本息余额
lists.get(i).put("rateARemain", df.format(allPays));
allPays = allPays - Double.valueOf(lists.get(i).get("monForRateA") + "");
}
return lists;
}
}