360 lines
12 KiB
Java
360 lines
12 KiB
Java
package com.amarsoft.app.base.util;
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import java.util.List;
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import com.amarsoft.app.accounting.cashflow.CashFlowHelper;
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import com.amarsoft.app.base.businessobject.BusinessObject;
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import com.amarsoft.app.base.businessobject.BusinessObjectCache;
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import com.amarsoft.app.base.businessobject.BusinessObjectManager;
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import com.amarsoft.app.base.exception.ALSException;
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import com.amarsoft.are.lang.StringX;
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import com.amarsoft.are.util.Arith;
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public class RateHelper{
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public static final String RateFloatType_PRECISION = "0";// 百分比浮动
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public static final String RateFloatType_POINTS = "1";// 基点浮动
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public static final String RateMode_Fix = "2";// 固定利率
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public static final String RateMode_Float = "1";// 浮动利率
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public static final String RateUnit_Year = "01";// 年利率
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public static final String RateUnit_Month = "02";// 月利率
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public static final String RateUnit_Day = "03";// 日利率
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private static BusinessObjectCache rateCache=new BusinessObjectCache(100);
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public static void clear()
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{
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if(rateCache == null)
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rateCache = new BusinessObjectCache(100);
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else
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rateCache.clear();
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}
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/**
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* 判断在利率表中是否存在基准利率类型
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* @param baseRateType
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* @return
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* @throws Exception
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*/
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public static boolean exists(String baseRateType,String currency,String effectDate) throws Exception{
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if(StringX.isEmpty(baseRateType)) return false;
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List<BusinessObject> baseRateList = getBaseRateList(baseRateType,currency,effectDate);
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if(baseRateList.isEmpty()) return false;
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else return true;
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}
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/**
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* 将一种利率单位的利率转换为另一种利率单位的利率，如年利率转换为日利率，日利率转换为年利率等
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*
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* @param yearDays
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* 年基准天数
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* @param rateUnit
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* 原利率单位
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* @param rate
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* 原利率
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* @param newRateUnit
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* 新利率单位
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* @return 转换后的利率值
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* @throws Exception
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*/
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public static double getRate(int yearDays, String rateUnit, double rate, String newRateUnit) throws Exception {
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if (rateUnit.equals(newRateUnit)){
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return rate;
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}
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if (RateHelper.RateUnit_Year.equals(rateUnit) && RateHelper.RateUnit_Month.equals(newRateUnit)) {
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return rate / 100 / 12 * 1000;// 月利率，千分比
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} else if (RateHelper.RateUnit_Year.equals(rateUnit)
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&& RateHelper.RateUnit_Day.equals(newRateUnit)) {
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return rate / 100 / yearDays * 10000;// 日利率，万分比
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} else if (RateHelper.RateUnit_Month.equals(rateUnit)
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&& RateHelper.RateUnit_Year.equals(newRateUnit)) {
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return rate / 1000 * 12 * 100;// 年利率，百分比
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} else if (RateHelper.RateUnit_Month.equals(rateUnit)
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&& RateHelper.RateUnit_Day.equals(newRateUnit)) {
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return rate / 1000 * 12 / yearDays * 10000;// 日利率，万分比
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} else if (RateHelper.RateUnit_Day.equals(rateUnit)
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&& RateHelper.RateUnit_Month.equals(newRateUnit)) {
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return rate / 10000 * yearDays / 12 * 1000;// 月利率，千分比
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} else if (RateHelper.RateUnit_Day.equals(rateUnit)
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&& RateHelper.RateUnit_Year.equals(newRateUnit)) {
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return rate / 10000 * yearDays * 100;// 年利率，百分比
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} else {
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throw new ALSException("ED1001",RateHelper.RateUnit_Year+"\\"+RateHelper.RateUnit_Month+"\\"+RateHelper.RateUnit_Day,rateUnit);
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}
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}
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/**
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* 根据币种、基准利率类型、期限类型、期限、生效日期获取利率档次
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*
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* @param Currency
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* 币种 参见代码Currency
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* @param baseRateType
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利率类型：参见代码BaseRateType
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* @param termUnit
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* @param term
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* @param effectDate
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* @return 基准利率档次
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* @throws Exception
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*/
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public static String getBaseRateGrade(String currency, String baseRateType,
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String termUnit, int term, String effectDate) throws Exception {
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List<BusinessObject> rateList = getBaseRateList(baseRateType, currency,
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effectDate);
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if (rateList == null || rateList.size() == 0) {
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throw new ALSException("ED1019",baseRateType);
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}
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// 获取基准利率档次
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int size = rateList.size();
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for (int i = 0; i < size; i++) {
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BusinessObject rateAttributes = rateList.get(i);
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if (DateHelper.TERM_UNIT_DAY.equals(termUnit)) {
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term = term / 30;
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} else if (DateHelper.TERM_UNIT_YEAR.equals(termUnit)) {
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term = term * 12;
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}
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int configTerm = rateAttributes.getInt("Term");
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if (term <= configTerm) {
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String configTermUnit = rateAttributes.getString("TermUnit");
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if (i < size - 1 && term > rateList.get(i + 1).getInt("Term")) {
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return configTerm + "@" + configTermUnit;
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} else if (i == rateList.size() - 1) {
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return configTerm + "@" + configTermUnit;
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}
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}
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}
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return "@";
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}
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/**
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* 计算基准利率
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* @param loan
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* @param rateSegment
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* @return 基准利率
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* @throws Exception
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*/
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public static double getBaseRate(BusinessObject loan, BusinessObject rateSegment) throws Exception {
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double baseRate = 0d;
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String baseRateType = rateSegment.getString("BaseRateType");
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if (StringX.isEmpty(baseRateType)) return 0d;
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String rateUnit = rateSegment.getString("RateUnit");
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String putoutDate = loan.getString("PutoutDate");
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String MaturityDate = loan.getString("MaturityDate");
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String baseRateGrade = rateSegment.getString("BaseRateGrade");
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if (baseRateGrade == null || "".equals(baseRateGrade) || baseRateGrade.split("@").length < 2) {
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baseRateGrade = RateHelper.getBaseRateGrade(loan.getString("Currency"), baseRateType, putoutDate,
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MaturityDate, loan.getString("BusinessDate"));
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rateSegment.setAttributeValue("BaseRateGrade", baseRateGrade);
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}
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int term = Integer.valueOf(baseRateGrade.split("@")[0]);
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String termUnit = baseRateGrade.split("@")[1];
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baseRate = RateHelper.getBaseRate(loan.getString("Currency"), rateSegment.getInt("YearBaseDay"), baseRateType,
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rateUnit, termUnit, term, loan.getString("BusinessDate"));
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return baseRate;
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}
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/**
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* 获取贷款利率
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* @param loan
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* @param rateSegment
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* @return 贷款利率
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* @throws Exception
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*/
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public static double getBusinessRate(BusinessObject loan, BusinessObject rateSegment) throws Exception {
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// 如果是固定模式,则执行利率不变
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// String rateMode = rateSegment.getString("RateMode");
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String rateFloatType = rateSegment.getString("RateFloatType");
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double baseRate = rateSegment.getDouble("BaseRate");
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double rateFloat = rateSegment.getDouble("rateFloat");
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double businessRate = rateSegment.getDouble("BusinessRate");
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if (baseRate == 0d) {
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return businessRate;
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} else {
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if (RateHelper.RateFloatType_PRECISION.equals(rateFloatType)) {
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businessRate = baseRate + baseRate * rateFloat * 0.01;
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}
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// 当利率浮动类型为基点时,执行利率 = 基准利率+浮动幅度
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else if (RateHelper.RateFloatType_POINTS.equals(rateFloatType)) {
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businessRate = baseRate + rateFloat / 100.0;
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} else {
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throw new ALSException("ED1020",rateFloatType);
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}
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if (businessRate < 0d) {
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throw new ALSException("ED1021",String.valueOf(businessRate));
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}
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return Arith.round(businessRate, ACCOUNT_CONSTANTS.Number_Precision_Rate);
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}
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}
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/**
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* @param Currency
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* 币种 参见代码Currency
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* @param baseRateType
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* 利率类型：参见代码BaseRateType
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* @param putOutDate
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* 发放日期
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* @param maturityDate
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* 到期日
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* @param effectDate
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* 生效日期
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* @return 利率档次
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* @throws Exception
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*/
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public static String getBaseRateGrade(String currency, String baseRateType,
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String putoutDate, String maturityDate, String effectDate)
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throws Exception {
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int term = (int)Math.ceil(DateHelper.getMonths(putoutDate, maturityDate));// 向上取整
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return RateHelper.getBaseRateGrade(currency, baseRateType,
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DateHelper.TERM_UNIT_MONTH, term, effectDate);
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}
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/**
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* 前端只能通过String方式访问
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* @param Currency
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* 币种：参见代码Currency
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* @param YearDays
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* 年基准天数 英式币种 365 其他币种 360，这里传入主要是解决存量贷款的特殊要求
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* @param BaseRateType
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* 利率类型：参见代码BaseRateType
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* @param RateUnit
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* 利率单位：参见代码RateUnit
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* @param putOutDate
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* 发放日期
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* @param maturityDate
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* 到期日
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* @param effectDate
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* 生效日期
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* @return 返回对应利率单位的利率值
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* @throws Exception
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*/
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public static String getBaseRate(String currency, String yearDays,
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String baseRateType, String RateUnit, String putoutDate,
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String maturityDate, String effectDate) throws Exception {
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return String.valueOf(getBaseRate(currency,Integer.parseInt(yearDays),baseRateType,RateUnit,putoutDate,maturityDate,effectDate));
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}
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/**
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* @param Currency
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* 币种：参见代码Currency
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* @param YearDays
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* 年基准天数 英式币种 365 其他币种 360，这里传入主要是解决存量贷款的特殊要求
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* @param BaseRateType
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* 利率类型：参见代码BaseRateType
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* @param RateUnit
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* 利率单位：参见代码RateUnit
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* @param putOutDate
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* 发放日期
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* @param maturityDate
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* 到期日
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* @param effectDate
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* 生效日期
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* @return 返回对应利率单位的利率值
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* @throws Exception
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*/
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public static double getBaseRate(String currency, int yearDays,
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String baseRateType, String RateUnit, String putoutDate,
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String maturityDate, String effectDate) throws Exception {
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int term = (int)Math.ceil(DateHelper.getMonths(putoutDate, maturityDate));//向上取整
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return RateHelper.getBaseRate(currency, yearDays, baseRateType,
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RateUnit, DateHelper.TERM_UNIT_MONTH, term, effectDate);
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}
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/**
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* @param Currency
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* 币种：参见代码Currency
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* @param YearDays
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* 年基准天数 英式币种 365 其他币种 360，这里传入主要是解决存量贷款的特殊要求
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* @param BaseRateType
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* 利率类型：参见代码BaseRateType
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* @param RateUnit
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* 利率单位：参见代码RateUnit
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* @param TermUnit
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* 期限单位：参见代码TermUnit
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* @param Term
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* 期限
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* @param effectDate
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* 生效日期
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* @return 返回对应利率单位的利率值
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* @throws Exception
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*/
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public static double getBaseRate(String currency, int yearDays,
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String baseRateType, String RateUnit, String termUnit, int term,
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String effectDate) throws Exception {
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double baseRate = 0.0;
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List<BusinessObject> rateList = getBaseRateList(baseRateType, currency,
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effectDate);
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if (rateList == null || rateList.size() == 0) {
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throw new ALSException("ED1022",baseRateType);
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}
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// 计算基准利率
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for (int i = 0; i < rateList.size(); i++) {
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BusinessObject rateAttributes = rateList.get(i);
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if (DateHelper.TERM_UNIT_DAY.equals(termUnit)) {
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term = term / 30;
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} else if (DateHelper.TERM_UNIT_YEAR.equals(termUnit)) {
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term = term * 12;
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}
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// 判断期限是否在利率参数内
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if (term <= rateAttributes.getInt("Term")) {
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if (i < rateList.size() - 1) {
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if (term == rateAttributes.getInt("Term")
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|| term > rateList.get(i + 1).getInt("Term")) {
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baseRate = rateAttributes.getDouble("RATE");
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// 进行利率单位转换
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baseRate = RateHelper.getRate(yearDays,
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rateAttributes.getString("RateUnit"), baseRate,
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RateUnit);
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if (baseRate > 0d) {
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break;
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}
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}
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} else if (i == rateList.size() - 1) {
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baseRate = rateAttributes.getDouble("RATE");
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// 进行利率单位转换
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baseRate = RateHelper.getRate(yearDays,
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rateAttributes.getString("RateUnit"), baseRate,
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RateUnit);
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if (baseRate > 0d) {
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break;
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}
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}
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}
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}
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if (baseRate <= 0) {
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throw new ALSException("ED1022",baseRateType);
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}
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return Arith.round(baseRate,8);
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}
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/**
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* 根据生效日期取利率配置
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*
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* @param baseRateType
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* @param currency
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* @param effectDate
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* @return
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* @throws Exception
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*/
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private static List<BusinessObject> getBaseRateList(String baseRateType,
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String currency, String effectDate) throws Exception {
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String cacheKey="RateType="+baseRateType+",Currency="+currency+",effectDate="+effectDate;
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List<BusinessObject> rateList = (List<BusinessObject>)rateCache.getCacheObject(cacheKey);
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if (rateList == null || rateList.isEmpty()){
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BusinessObjectManager bomanager=BusinessObjectManager.createBusinessObjectManager();
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rateList=bomanager.loadBusinessObjects("jbo.sys.RATE_INFO",
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"Status = '1' and RateType='"+baseRateType+"' and Currency='"+currency+"' "
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+ " and EFFICIENTDATE = (select max(RI.EFFICIENTDATE) from jbo.sys.RATE_INFO RI where RI.Status = '1' and RI.RateType='"+baseRateType+"' and RI.Currency='"+currency+"' and RI.EFFICIENTDATE<='"+effectDate+"')"
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+ " order by Term desc");
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rateCache.setCache(cacheKey, rateList);
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}
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return rateList;
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}
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}
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