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修改灵活产品的IRR和ROA的计算规则

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tangfutang 2021-01-28 22:27:39 +08:00
parent 813a127998
commit 99323a4f2c
3 changed files with 73 additions and 14 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="MINIMUMVALUE,MAXIMUMVALUE" 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="%"/></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="%"/></Parameters>

44
calc/com/tenwa/reckon/executor/CashFlowExecutor.java
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@ -95,6 +95,8 @@ public class CashFlowExecutor {
}
private void add(ConditionBean cb,TabCalBean tcb) throws Exception{
Map<String, Map<String, String>> productRevenues = tcb.getProductRevenues();
String sql = "";
if("MYSQL".equals(InitDBType.DBTYPE)){
sql += "INSERT INTO " +Tools.getTable(tcb.getContractCashTb())+ " (id," + tcb.getPlanCName() + "";
@ -124,8 +126,14 @@ public class CashFlowExecutor {
}
sql +=" if(fundplan.pay_type='pay_type_in',fundplan.plan_money,-fundplan.plan_money) cleanfow " ;
sql +=" from "+Tools.getTable(tcb.getFundFundPlan_tb())+" fundplan " ;
sql +=" left join code_library tdd on fundplan.fee_type = tdd.itemno " ;
sql +=" where fundplan.flowunid = '"+ tcb.getDocId()+"' and fundplan."+tcb.getPlanCName()+"='"+tcb.getPlanCValue()+"'";
sql +=" left join code_library tdd on fundplan.fee_type = tdd.itemno and tdd.codeno='FeeType' " ;
sql +=" where fundplan.flowunid = '"+ tcb.getDocId()+"' and fundplan."+tcb.getPlanCName()+"='"+tcb.getPlanCValue()+"' and fundplan.fee_type in ('feetype2','feetype1','feetype10','feetype16','feetype17') ";
//如果是灵活产品减去产品中配置的GPS差额
if("Y".equals( cb.getFlexible() ) ){
Map<String, Map<String, String>> productRevenue = tcb.getProductRevenues();
String GPSDifference = productRevenues.get( "GPSDifference" ).get( "GPSDifference" );
sql += "union all select DATE_FORMAT(CURDATE(),'%Y/%m/%d') plan_date,'"+GPSDifference+"' flowin,'GPS差额:"+GPSDifference+"' flowindetail,'' flowout,'' flowoutdetil,'"+GPSDifference+"' cleanfow from dual ";
}
}else if("ORACLE".equals(InitDBType.DBTYPE)){
sql += "INSERT INTO " +Tools.getTable(tcb.getContractCashTb())+ " (id," + tcb.getPlanCName() + "";
sql += ",plan_date";
@ -176,8 +184,38 @@ public class CashFlowExecutor {
sql +=" )t group by t.plan_date ";
Transaction Sqlca =null;
Sqlca = Transaction.createTransaction(tx);
SqlObject asql = new SqlObject(sql);
SqlObject asql = new SqlObject("");
asql.setOriginalSql(sql);
Sqlca.executeSQL(asql);
//由于安鹏目前没有从最后一期一直往前抵扣，这里临时处理下灵活产品的
if( "Y".equals( cb.getFlexible() ) ){
String lcftSql = "select ID,PLAN_DATE,FUND_IN,FUND_OUT from lc_cash_flow_temp where flowunid ='"+tcb.getDocId()+"' and "+tcb.getPlanCName()+"='"+tcb.getPlanCValue()+"' order by plan_date desc";
List<Map<String, String>> lcftDate =DataOperatorUtil.getDataBySql(tx, lcftSql, null);
BigDecimal outMoney = null ;
BigDecimal inMoney = null ;
String updateSql = "" ;
for (int i=0 ; i < lcftDate.size() ; i++ ) {
if(i==0){
outMoney = new BigDecimal(lcftDate.get(i).get("FUND_OUT") );
inMoney = new BigDecimal(lcftDate.get(i).get("FUND_IN") );
}else{
inMoney = new BigDecimal(lcftDate.get(i).get("FUND_IN") );
}
if(outMoney.compareTo(inMoney)>=0){
updateSql = " update lc_cash_flow_temp set FUND_OUT='"+inMoney+"',FUND_OUT_DETAILS='抵扣保证金:"+inMoney+"',NET_FLOW='0.00' where id='"+lcftDate.get(i).get("ID")+"' ";
asql.setOriginalSql(updateSql);
Sqlca.executeSQL(asql);
outMoney = outMoney.subtract(inMoney);
}else{
updateSql = " update lc_cash_flow_temp set FUND_OUT='"+inMoney.subtract(outMoney)+"',FUND_OUT_DETAILS='抵扣保证金:"+inMoney.subtract(outMoney)+"',NET_FLOW='"+inMoney.subtract(outMoney)+"' where id='"+lcftDate.get(i).get("ID")+"' ";
asql.setOriginalSql(updateSql);
Sqlca.executeSQL(asql);
break;
}
}
}
}

41
calc/com/tenwa/reckon/help/ConditionHelper.java
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@ -66,7 +66,6 @@ public class ConditionHelper {
if(cb.getSettleMethod().equals("irregular_rent")){
params.put("INCOME_NUMBER",cb.getIncomeNumber()+"");
}
if((cb.getSettleMethod().equals("even_corpus")&&cb.getRentOrRate().equals("corpus_period"))||cb.getSettleMethod().equals("irregular_rent")||cb.getSettleMethod().equals("even_subsection")||(cb.getSettleMethod().equals("even_rent_day")&&(cb.getRentOrRate().equals("rent_period")||cb.getRentOrRate().equals("rent_period_360")))){
params.put("FIRST_PLAN_DATE", cb.getFirstPlanDate());
params.put("SECOND_PLAN_DATE", cb.getSecondPlanDate());
@ -108,14 +107,15 @@ public class ConditionHelper {
BigDecimal handRate =null; //手续费税率
BigDecimal gpsInstallFee =null;//GPS税率
BigDecimal rentRate =null;// 租金税率
BigDecimal percentage = new BigDecimal("100");
if( pslData!=null && pslData.size()>0){
String leasform = pslData.get(0).get("leasform");
List<Map<String, String>> rateData = DataOperatorUtil.getDataBySql("select t.INTEREST_RATE,t.HAND_RATE,t.gps_install_fee,t.rent from (select INTEREST_RATE,HAND_RATE,gps_install_fee,rent,CONTRACT_DATE from TAX_INFO where CONTRACT_DATE<= DATE_FORMAT(NOW(),'%Y/%m/%d') and BEFORE_AFTER='after' and lease_form='"+leasform+"' union all select INTEREST_RATE,HAND_RATE,gps_install_fee,rent,CONTRACT_DATE from TAX_INFO where CONTRACT_DATE>=DATE_FORMAT(NOW(),'%Y/%m/%d') and BEFORE_AFTER='before' and lease_form='"+leasform+"' ) t order by t.CONTRACT_DATE desc limit 1");
if( rateData!=null && rateData.size()>0 ){
interestRate =new BigDecimal ( rateData.get(0).get("INTEREST_RATE") ).divide(new BigDecimal("100")) ;
handRate =new BigDecimal (rateData.get(0).get("HAND_RATE") ).divide(new BigDecimal("100")) ;;
gpsInstallFee =new BigDecimal (rateData.get(0).get("gps_install_fee") ).divide(new BigDecimal("100")) ;
rentRate =new BigDecimal ( rateData.get(0).get("rent") ).divide(new BigDecimal("100")) ;
interestRate = BigDecimal.ONE.add( new BigDecimal ( rateData.get(0).get("INTEREST_RATE") ).divide(percentage) );
handRate = BigDecimal.ONE.add( new BigDecimal (rateData.get(0).get("HAND_RATE") ).divide(percentage) );
gpsInstallFee = BigDecimal.ONE.add( new BigDecimal (rateData.get(0).get("gps_install_fee") ).divide( percentage ) );
rentRate = BigDecimal.ONE.add( new BigDecimal ( rateData.get(0).get("rent") ).divide( percentage ) );
}else{
throw new BusinessException( "未配置对应税率！" );
}
@ -131,25 +131,46 @@ public class ConditionHelper {
// 手续费
BigDecimal handlingChargeMoney = new BigDecimal( cb.getHandlingChargeMoney() );
// GPS差额
BigDecimal gpsDifference = new BigDecimal( cb.getGPSDifference() );
// 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
// 收入
BigDecimal in = allInterest.divide( interestRate , 2, 4 ).add( handlingChargeMoney.divide( handRate, 2, 4 ) ).add( gpsDifference.divide( gpsInstallFee, 2, 4 ) );
// 租赁年限
int leaseTerm = cb.getLeaseTerm();
int leaseTerm = cb.getLeaseTerm()/12;
// 融资额
BigDecimal cleanLeaseMoney = new BigDecimal( cb.getCleanLeaseMoney() );
String rentSql = "select corpus,ALL_REMAIN_CORPUS from LC_RENT_PLAN_TEMP where flowunid ='"+cb.getDocId()+"' order by plan_date";
List<Map<String, String>> rentPlanData =DataOperatorUtil.getDataBySql(tx, rentSql, null);
BigDecimal cautionMoney = new BigDecimal( cb.getCautionMoney() );
BigDecimal costMoney = BigDecimal.ZERO;
BigDecimal CostInterestRate = new BigDecimal (productRevenues.get( "CostInterestRate" ).get( "CostInterestRate" ) ).divide( percentage ) ;//产品中的成本利率
for (Map<String, String> map : rentPlanData) {
BigDecimal surplus = new BigDecimal(map.get("corpus") ).add(new BigDecimal(map.get("ALL_REMAIN_CORPUS")));
if(surplus.compareTo(cautionMoney)>0){
costMoney = costMoney.add( surplus.subtract(cautionMoney).multiply( CostInterestRate).divide( new BigDecimal("12"), 2 , 4 ) );
}
}
System.out.println(costMoney);
// 成本
BigDecimal cost = cleanLeaseMoney.add( new BigDecimal( cb.getCautionMoney() ).multiply( new BigDecimal( leaseTerm ) ) ).divide( rentRate, 2, 4 );
BigDecimal cost = costMoney.add( new BigDecimal( cb.getCautionMoney() ).multiply( new BigDecimal( leaseTerm ) ).multiply(CostInterestRate) ).divide( rentRate, 2, 4 );
// 运营费率
String operatingRate = productRevenues.get( "OperatingRate" ).get( "OperatingRate" );
// 运营费用
BigDecimal operatingExpenses = cleanLeaseMoney.multiply( new BigDecimal( operatingRate ) );
BigDecimal operatingExpenses = cleanLeaseMoney.multiply( new BigDecimal( operatingRate ).divide( percentage ) );
// 风险计提比率
String riskAccrualRatio = productRevenues.get( "RiskAccrualRatio" ).get( "RiskAccrualRatio" );
// 风险计提
BigDecimal withdrawalRisk = cleanLeaseMoney.multiply( new BigDecimal( riskAccrualRatio ) );
BigDecimal withdrawalRisk = cleanLeaseMoney.multiply( new BigDecimal( riskAccrualRatio ).divide( percentage ) );
// ROA
BigDecimal roa = in.subtract( cost ).subtract( operatingExpenses ).subtract( withdrawalRisk ).multiply( new BigDecimal( 0.75 ) ).divide( cleanLeaseMoney, 2, 4 ).multiply( new BigDecimal( 2 ) );
StringBuilder sb = new StringBuilder();
sb.append(cb.getDocId()).append("的ROA计算参数=利息和:").append(allInterest).append(",利息税率:").append(interestRate).append(",手续费:").append(handlingChargeMoney)
.append(",手续费税率：").append(handRate).append(",GPS差额:").append(gpsDifference).append(",GPS差额税率:").append(gpsInstallFee)
.append(",租金表里成本和：").append(costMoney).append(",保证金金额:").append(cb.getCautionMoney()).append(",租赁年限:").append(leaseTerm)
.append(",成本利率：").append(CostInterestRate).append(",租金税率:").append(rentRate).append(",融资金额:").append(cleanLeaseMoney)
.append(",运营费率：").append(new BigDecimal( operatingRate ).divide( percentage ) ).append(",风险计提比率:").append( new BigDecimal( riskAccrualRatio ).divide( percentage ) );
System.out.println(sb.toString());
if ( roa.compareTo( new BigDecimal( roaValue ).divide( new BigDecimal("100") ) ) < 0 ) {
throw new BusinessException( "ROA小于产品配置！" );
}