279 lines
7.1 KiB
Java
279 lines
7.1 KiB
Java
package com.tenwa.reckon.util;
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import java.math.BigDecimal;
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import java.math.BigInteger;
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import java.util.ArrayList;
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import java.util.Date;
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import java.util.List;
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import java.util.Map;
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import com.tenwa.reckon.bean.ConditionBean;
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/**
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*
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* @author SHIHONGFEI
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* @version 1.0
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* @copyright (C) TENWA 2011
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* @date 2011-2-17
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* @desc ( 租金值计算工具类)
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*/
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public class RentTools {
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/**
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* 用于计算每一期的租金
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*
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* @param Rate
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* @param Nper
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* @param Pv
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* @param Fv
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* @param Type
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* @return
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*/
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public static String getPMT(String Rate, String Nper, String Pv, String Fv, String Type) {
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// 参数说明：Pv=现值，Nper=期数，Rate=利率(注意同期数周期一致，且要求已经包括百分号的数值！如0.05)
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// Fv=未来值，Type=数字 1或 0，用以指定各期的付款时间是在期初还是期末
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Rate = Rate.equals("") ? "0" : Rate;
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Nper = Nper.equals("") ? "0" : Nper;
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Pv = Pv.equals("") ? "0" : Pv;
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Fv = Fv.equals("") ? "0" : Fv;
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Type = Type.equals("") ? "0" : Type;
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if (Double.parseDouble(Nper) == 0) {
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return "0";
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}
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if (Double.parseDouble(Rate) == 0) {
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// divide(xxxxx,2, BigDecimal.ROUND_HALF_EVEN)
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return ((new BigDecimal(Pv).add(new BigDecimal(Fv)).multiply(new BigDecimal("-1")).divide(new BigDecimal(Nper), 20, BigDecimal.ROUND_HALF_UP))).toString();
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}
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BigDecimal Pv_B = new BigDecimal(Pv);
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// BigDecimal Nper_B = new BigDecimal(Nper);
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BigDecimal Rate_B = new BigDecimal(Rate);
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BigDecimal Fv_B = new BigDecimal(Fv);
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BigDecimal Type_B = new BigDecimal(Type);
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BigDecimal pmt_B = new BigDecimal("0");
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BigDecimal num1_B = new BigDecimal("1");
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BigDecimal numfu1_B = new BigDecimal("-1");
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int Nper_i = Integer.valueOf(Nper).intValue();
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try {
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pmt_B = numfu1_B.multiply(Rate_B).multiply(Pv_B.multiply((num1_B.add(Rate_B)).pow(Nper_i)).add(Fv_B)).divide((num1_B.add(Rate_B.multiply(Type_B))).multiply((num1_B.add(Rate_B)).pow(Nper_i).subtract(num1_B)), 20, BigDecimal.ROUND_HALF_UP);
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return pmt_B.toString().equals("") ? "0" : pmt_B.toString();
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} catch (Exception e) {
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e.printStackTrace();
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}
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return "0";
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}
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/**
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* 等额租金 日利率算 租金
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* @param dateList 租金计划日期
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* @param Rate 年利率
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* @param Pv 融资额
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* @param Fv 期末
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* @param startDate 起租日
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* @param grace 宽限期
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* @return
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*/
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public static String getDayPmt(List<String> dateList,String Rate, String Pv, String Fv,String startDate,int grace){
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BigDecimal rate = new BigDecimal("".equals(Rate)?"0":Rate);
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BigDecimal tempInx = new BigDecimal(1);
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BigDecimal year = new BigDecimal(360);
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BigDecimal sumTemp = BigDecimal.ZERO;
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if(grace>0){
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startDate=dateList.get(grace-1);
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}
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for(int i=grace;i<dateList.size();i++){
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String planDate =dateList.get(i);
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Long dayDiff = DateTools.getDateDiff(planDate,startDate );
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startDate = planDate;
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BigDecimal issue = year.divide(year.add(rate.multiply(new BigDecimal(dayDiff))),20,BigDecimal.ROUND_HALF_UP);
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tempInx = tempInx.multiply(issue);
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sumTemp = sumTemp.add(tempInx);
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}
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BigDecimal rent = new BigDecimal(Pv).subtract(new BigDecimal(Fv)).divide(sumTemp,2,BigDecimal.ROUND_HALF_UP);
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return rent.toString();
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}
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/**
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* pmt 得到租金list
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*
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* @Title: getRentListByPmt
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* @Description:
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* @param
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* @param rent
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* pmt 测算出的租金
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* @param
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* @param rent_list
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* 期数
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* @param
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* @param rents
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* 存放租金的list
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* @param
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* @return
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* @return List<String> 租金list
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* @throws
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*/
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public static List<String> getRentListByPmt(String rent, String rent_list, List<String> rents) {
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for (int i = 0; i < Integer.parseInt(rent_list); i++) {
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rents.add(rent);
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}
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return rents;
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}
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// /**
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// * 等额本金的租金列表
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// *
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// * @param l_corpus
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// * 本金列表
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// * @param l_inte
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// * 利息列表
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// * @return
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// */
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// @SuppressWarnings("unchecked")
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// public List getRentByEqCorpus(List l_corpus, List l_inte, String
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// rentScale,
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// String type) {
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// // 用于保存租金
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// List l_rent = new ArrayList();
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// for (int i = 0; i < l_corpus.size(); i++) {
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// String r = String.valueOf(Double.parseDouble(l_corpus.get(i)
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// .toString())
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// + Double.parseDouble(l_inte.get(i).toString()));
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// r = NumTools
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// .formatNumberDoubleScale(r, Integer.parseInt(rentScale));
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//
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// if (i == 0 && "1".equals(type)) {
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// r = l_corpus.get(i).toString();
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// }
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//
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// l_rent.add(r);
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// }
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// return l_rent;
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//
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// }
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/**
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* 根据交易结构信息测算出新的租金
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*
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* @Title: getRentByPmt
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* @Description:
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* @param
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* @param mp租金测算信息
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* @param
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* @return
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* @return String
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* @throws
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*/
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public static String getRentByPmt(Map<String, String> mp) {
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String retu_vale = mp.get("retu_vale").toString();
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String rem_rent_list = mp.get("rem_rent_list").toString();
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String rem_corpus = mp.get("rem_corpus").toString();
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String period_type = mp.get("period_type").toString();
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String income_number_year = mp.get("income_number_year").toString();
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String if_retry = mp.get("if_retry").toString();
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String nominalprice = mp.get("nominalprice").toString();
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String rentScale = mp.get("rentScale").toString();
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// 得到每一期租金的利率
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retu_vale = RateTools.getPreRate(retu_vale, income_number_year);
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// 得到新的租金测算期次,由于宽限期不用于pmt的租金测算
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rem_rent_list = String.valueOf(Integer.parseInt(mp.get("rem_rent_list").toString()) - Integer.parseInt(mp.get("igrace").toString()));
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// 得到租金
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String rent = getPMT(retu_vale, rem_rent_list, "-" + rem_corpus, nominalprice, period_type);
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return NumTools.formatNumberDoubleScale(rent, Integer.parseInt(rentScale));
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}
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/**
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*
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* ( 得到变更的租金列表下标值,并以数组返回)
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*
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* @param l_rent_adjust
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* @return
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*/
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public static String[] getAdjustIds(List<String> l_rent_adjust, int grace) {
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String id_s = "";
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for (int i = grace; i < l_rent_adjust.size(); i++) {
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String adjust = (String) l_rent_adjust.get(i);
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if (!adjust.equals("")) {// 当此期租金发生变更时
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id_s += i + ",";
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}
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}
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id_s = id_s.indexOf(",") > -1 ? id_s.substring(0, id_s.length() - 1) : id_s;
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if (id_s.equals("")) {
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return new String[0];
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} else {
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String[] i_array = id_s.split(",");// 得到租金变更的节点
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return i_array;
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}
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}
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/**
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*
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* ( 得到不变的租金列表下标值,并以数组返回)
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*
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* @param l_rent_adjust
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* @return
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*/
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public static String[] getNoAdjustIds(List<String> l_rent_adjust, int grace) {
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String id_s = "";
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for (int i = grace; i < l_rent_adjust.size(); i++) {
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String adjust = (String) l_rent_adjust.get(i);
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if (adjust.equals("")) {// 当此期租金发生变更时
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id_s += i + ",";
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}
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}
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id_s = id_s.indexOf(",") > -1 ? id_s.substring(0, id_s.length() - 1) : id_s;
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if (id_s.equals("")) {
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return new String[0];
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} else {
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String[] i_array = id_s.split(",");// 得到租金变更的节点
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return i_array;
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}
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}
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/**
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* @author SCLICX 默认金额的精度
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* @return
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*/
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public static int getAccuracy() {
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return 2;
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}
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/**
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* @author SCLICX 租金金额的精度
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* @return
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*/
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public static int getRentAccuracy() {
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return 2;
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}
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/**
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* @author SCLICX 本金金额的精度
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* @return
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*/
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public static int getCorpusAccuracy() {
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return 2;
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}
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/**
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* @author SCLICX 利息金额的精度
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* @return
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*/
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public static int getInterestAccuracy() {
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return 2;
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}
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}
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