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产品中添加个人意外险差额和ROA计算修改

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tangfutang 2021-04-01 13:43:35 +08:00
parent 391a8f230d
commit 7e12bd866f
2 changed files with 10 additions and 2 deletions
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2
WebContent/WEB-INF/etc/app/component/component-parameter-config.xml
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@ -196,4 +196,4 @@
<Parameter CODESCRIPT="caution_money_method" CODESOURCE="Code" COMPONENTTYPE="PRD0315" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="DepositStyle" PARAMETERNAME="保证金计算方式（汽车专用）" SELECTTYPE="05" STATUS="1"/>
<Parameter COMPONENTTYPE="PRD0315" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="FINAL_PAYMENT_RATIO" PARAMETERNAME="尾款比例" STATUS="1"/>
<Parameter COMPONENTTYPE="PRD0315" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="FIRST_PAYMENT_RATIO" PARAMETERNAME="首付款比例" STATUS="1"/>
<Parameter COMPONENTTYPE="PRD0315" DATATYPE="2" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="DISCOUNT_ALL" PARAMETERNAME="总贴息金额" STATUS="1" UNIT="&lt;font&gt;元&lt;/font&gt;"/><Parameter CODESCRIPT="period_type" CODESOURCE="Code" COMPONENTTYPE="PRD0350" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="begin_end" PARAMETERNAME="先付/后付" SELECTTYPE="05" STATUS="1"/><Parameter CODESCRIPT="oneOrMore" CODESOURCE="Code" COMPONENTTYPE="PRD0315" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="oneOrMore" PARAMETERNAME="分摊方式（汽车专用）" SELECTTYPE="04" STATUS="1"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="LeaseMoneyRatio" PARAMETERNAME="融资比例" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="splitting_ratio" PARAMETERNAME="分润利率" STATUS="2" UNIT="%"/><Parameter CODESCRIPT="TermType" CODESOURCE="Code" COMPONENTTYPE="PRD0350" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="TermType" PARAMETERNAME="期限类型" SELECTTYPE="04" STATUS="1"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="5" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="TermScope" PARAMETERNAME="期限范围" STATUS="1"/><Parameter CODESCRIPT="YesNo" CODESOURCE="Code" COMPONENTTYPE="PRD0350" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="isFixedRate" PARAMETERNAME="是否固定利率" SELECTTYPE="05" STATUS="1"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="RateTermScope" PARAMETERNAME="利率取值范围" STATUS="1" UNIT="&lt;font&gt;%&lt;/font&gt;"/><Parameter CODESCRIPT="A,A级,B,B级,C,C级,D,D级,E,E级,F,F级" CODESOURCE="CodeTable" COMPONENTTYPE="PRD0390" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="ChannelRating" PARAMETERNAME="渠道评级" SELECTTYPE="06" STATUS="1"/><Parameter CODESCRIPT="A,A级,B,B级,C,C级,D,D级,E,E级,F,F级" CODESOURCE="CodeTable" COMPONENTTYPE="PRD0390" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="CustomerRating" PARAMETERNAME="客户评级" SELECTTYPE="06" STATUS="1"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="CostInterestRate" PARAMETERNAME="成本利率" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="OperatingRate" PARAMETERNAME="运营费率" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="2" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="GPSDifference" PARAMETERNAME="GPS差额" STATUS="1"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="RiskAccrualRatio" PARAMETERNAME="风险计提比率" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="StrategicCoefficient" PARAMETERNAME="战略系数" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="StrategyROA" PARAMETERNAME="战略ROA" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="5" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="bondAndPayments" PARAMETERNAME="保证金和首付款比例和" STATUS="1" UNIT="%"/></Parameters>
<Parameter COMPONENTTYPE="PRD0315" DATATYPE="2" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="DISCOUNT_ALL" PARAMETERNAME="总贴息金额" STATUS="1" UNIT="&lt;font&gt;元&lt;/font&gt;"/><Parameter CODESCRIPT="period_type" CODESOURCE="Code" COMPONENTTYPE="PRD0350" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="begin_end" PARAMETERNAME="先付/后付" SELECTTYPE="05" STATUS="1"/><Parameter CODESCRIPT="oneOrMore" CODESOURCE="Code" COMPONENTTYPE="PRD0315" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="oneOrMore" PARAMETERNAME="分摊方式（汽车专用）" SELECTTYPE="04" STATUS="1"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="LeaseMoneyRatio" PARAMETERNAME="融资比例" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="splitting_ratio" PARAMETERNAME="分润利率" STATUS="2" UNIT="%"/><Parameter CODESCRIPT="TermType" CODESOURCE="Code" COMPONENTTYPE="PRD0350" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="TermType" PARAMETERNAME="期限类型" SELECTTYPE="04" STATUS="1"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="5" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="TermScope" PARAMETERNAME="期限范围" STATUS="1"/><Parameter CODESCRIPT="YesNo" CODESOURCE="Code" COMPONENTTYPE="PRD0350" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="isFixedRate" PARAMETERNAME="是否固定利率" SELECTTYPE="05" STATUS="1"/><Parameter COMPONENTTYPE="PRD0350" DATATYPE="6" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="RateTermScope" PARAMETERNAME="利率取值范围" STATUS="1" UNIT="&lt;font&gt;%&lt;/font&gt;"/><Parameter CODESCRIPT="A,A级,B,B级,C,C级,D,D级,E,E级,F,F级" CODESOURCE="CodeTable" COMPONENTTYPE="PRD0390" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="ChannelRating" PARAMETERNAME="渠道评级" SELECTTYPE="06" STATUS="1"/><Parameter CODESCRIPT="A,A级,B,B级,C,C级,D,D级,E,E级,F,F级" CODESOURCE="CodeTable" COMPONENTTYPE="PRD0390" DATATYPE="4" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="CustomerRating" PARAMETERNAME="客户评级" SELECTTYPE="06" STATUS="1"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="CostInterestRate" PARAMETERNAME="成本利率" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="OperatingRate" PARAMETERNAME="运营费率" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="2" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="GPSDifference" PARAMETERNAME="GPS差额" STATUS="1"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="RiskAccrualRatio" PARAMETERNAME="风险计提比率" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="StrategicCoefficient" PARAMETERNAME="战略系数" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="7" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="StrategyROA" PARAMETERNAME="战略ROA" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="5" METHODTYPE="Nothing" OPERATOR="MINIMUMVALUE,MAXIMUMVALUE" PARAMETERID="bondAndPayments" PARAMETERNAME="保证金和首付款比例和" STATUS="1" UNIT="%"/><Parameter COMPONENTTYPE="PRD0390" DATATYPE="2" METHODTYPE="Nothing" OPERATOR="VALUE" PARAMETERID="personalInsuranceDifference" PARAMETERNAME="个人意外险差额" STATUS="1"/></Parameters>

10
calc/com/tenwa/reckon/help/ConditionHelper.java
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@ -140,8 +140,16 @@ public class ConditionHelper {
// GPS差额
// BigDecimal gpsDifference = new BigDecimal( cb.getGPSDifference() );
BigDecimal gpsDifference = new BigDecimal( productRevenues.get( "GPSDifference" ).get( "GPSDifference" ) );//取产品收益中的GPS差额配置
String personalInsuranceDifference = "0" ;//获取产品中的个人意外险差额配置
Map<String, String> pidMap = productRevenues.get( "personalInsuranceDifference" );
if( pidMap != null && pidMap.size() > 0){
personalInsuranceDifference = pidMap.get("personalInsuranceDifference");
if( personalInsuranceDifference == null || personalInsuranceDifference.isEmpty() ){
personalInsuranceDifference = "0";
}
}
// 收入
BigDecimal in = allInterest.divide( interestRate , 2, 4 ).add( handlingChargeMoney.divide( handRate, 2, 4 ) ).add( gpsDifference.divide( gpsInstallFee, 2, 4 ) ).add( new BigDecimal( cb.getDiscountInterest() ).divide(discountInterestRate , 2 ,4 ) ).add( new BigDecimal( cb.getPersonalInsurance() ).divide( personalInsuranceRate , 2 ,4 ) );
BigDecimal in = allInterest.divide( interestRate , 2, 4 ).add( handlingChargeMoney.divide( handRate, 2, 4 ) ).add( gpsDifference.divide( gpsInstallFee, 2, 4 ) ).add( new BigDecimal( cb.getDiscountInterest() ).divide(discountInterestRate , 2 ,4 ) ).add( new BigDecimal( personalInsuranceDifference ).divide( personalInsuranceRate , 2 ,4 ) );
// 租赁年限
int leaseTerm = cb.getLeaseTerm()/12;
// 融资额