396 lines
14 KiB
Java
396 lines
14 KiB
Java
package com.tenwa.reckon.util;
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import java.math.BigDecimal;
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import java.text.ParseException;
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import java.text.SimpleDateFormat;
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import java.util.ArrayList;
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import java.util.Calendar;
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import java.util.Date;
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import java.util.List;
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import com.tenwa.reckon.bean.CalculationCondition;
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import com.tenwa.reckon.bean.ConditionBean;
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import com.tenwa.reckon.bean.FundRentPlanBean;
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import com.tenwa.reckon.bean.RentPlanInfo;
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import com.tenwa.reckon.constant.Scale;
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public class RentCalculateUtil {
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public static SimpleDateFormat dateFormat = new SimpleDateFormat("yyyy/MM/dd");
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/**
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* 计算两个日期之间的差的月数。
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* 月付时：1月31号第一期，则第二期是2月28号或者29号。
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* 这个需要判断，不能直接加一个月，否则会变成3月2号的
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*
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* @param beginDate
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* @param endDate
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* @return
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* @throws Exception
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*/
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public static int getDiffMonth(Date beginDate, Date endDate) throws Exception {
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Calendar calendar = Calendar.getInstance();
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calendar.setTime(beginDate);
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int beginYear = calendar.get(Calendar.YEAR);
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int beginMonth = calendar.get(Calendar.MONTH);
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calendar.setTime(endDate);
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int endYear = calendar.get(Calendar.YEAR);
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int endMonth = calendar.get(Calendar.MONTH);
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int difMonth = (endYear-beginYear)*12+(endMonth-beginMonth);
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return difMonth;
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}
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// /**
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// * 初步获取一个空的日历计划，只为生成一个空架子，为了其他的测算做数据模板。 只有有还款期数编号，int类型1-n，还款日期。
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// * 没有租金、本金和利息等数据。
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// *
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// * @param condition
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// * @return
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// * @throws ParseException
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// */
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// public static List<RentPlanInfo> getEmptyPlanModel(CalculationCondition condition) throws Exception {
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// int incomeTimes = condition.getIncomeTimes();// 期数
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// int issueNumber = condition.getIssueNumber();// 每期几个月
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// int grace = condition.getGrace();// 宽限期
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//
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// Calendar calendar = Calendar.getInstance();// 推算日期的日历，推算前需要先找到第1期租金实际支付日
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// Date startDate = condition.getStartDate();// 起租日期，计算最后一期的还款日期
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// Date firstPlanDate = condition.getFirstPlanDate();// 计划第1期日期
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// if(firstPlanDate == null){
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// calendar.setTime(startDate);
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// calendar.add(Calendar.MONTH, issueNumber * condition.getPeriodType());
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// firstPlanDate = calendar.getTime();
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// while(getDiffMonth(startDate, firstPlanDate) > issueNumber * condition.getPeriodType()){
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// calendar.add(Calendar.DAY_OF_MONTH, -1);
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// firstPlanDate = calendar.getTime();
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// }
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// }
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//
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// // 计算结束租期日子
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//
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// RentPlanInfo temp = null;
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// List<RentPlanInfo> result = new ArrayList<RentPlanInfo>();
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// // 计算期数
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// for (int i = 0; i < grace + incomeTimes; i++) {
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// temp = new RentPlanInfo();
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// temp.setId(i + 1);// 设置期数
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// temp.setBusinessId(condition.getId());// 设置业务ID
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// if(i == 0){
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// temp.setStartDate(startDate);
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// temp.setEndDate(firstPlanDate);
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// } else {
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// temp.setStartDate(result.get(i - 1).getEndDate());
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// calendar.setTime(firstPlanDate);
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// calendar.add(Calendar.MONTH, issueNumber * i);
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// Date endDateTemp = calendar.getTime();
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// while(getDiffMonth(firstPlanDate, endDateTemp) > issueNumber * i){
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// calendar.add(Calendar.DAY_OF_MONTH, -1);
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// endDateTemp = calendar.getTime();
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// }
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// temp.setEndDate(endDateTemp);
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// }
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// result.add(temp);
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// logger.info("租金测算[RentCalculateUtil]获取租金计划模板：" + dateFormat.format(temp.getEndDate()));
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// }
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// return result;
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// }
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/**
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* 初步获取一个空的日历计划，只为生成一个空架子，为了其他的测算做数据模板。 只有有还款期数编号，int类型1-n，还款日期。
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* 没有租金、本金和利息等数据。
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* 压栈处理租金计划日期
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* @param condition
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* @return
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* @throws ParseException
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*/
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public static List<RentPlanInfo> getEmptyPlanModel(CalculationCondition condition) throws Exception {
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Date startDate = condition.getStartDate();// 起租日期，计算最后一期的还款日期
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Date firstPlanDate = condition.getFirstPlanDate();// 计划第1期日期
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Date secondPlanDate = condition.getSecondPlanDate();// 计划第2期日期
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List<Date> planDateList = new ArrayList<Date>();
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planDateList.add(startDate);// 必须有起始日期
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if(firstPlanDate != null){
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planDateList.add(firstPlanDate);
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if(secondPlanDate != null){
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planDateList.add(secondPlanDate);
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}
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} else {
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// 起租类型 注意: 期初 数字 1 字符串 period_type_1 #分割线# 期末 数字0 字符串 period_type_0
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if(condition.getPeriodType() == 1){// 期初
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planDateList.add(startDate);//第一期和起租日期一样
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}
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}
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int incomeTimes = condition.getIncomeTimes();// 期数
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int grace = condition.getGrace();// 宽限期
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int issueNumber = condition.getIssueNumber();// 每期几个月
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// 计算结束租期日子
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Calendar calendar = Calendar.getInstance();// 推算日期的日历
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Date reference = planDateList.get(planDateList.size() - 1);
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for (int i = 1; planDateList.size() < grace + incomeTimes + 1; i++) {
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calendar.setTime(reference);
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calendar.add(Calendar.MONTH, issueNumber * i);
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Date tempDate = calendar.getTime();
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while(getDiffMonth(reference, tempDate) > issueNumber * i){
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calendar.add(Calendar.DAY_OF_MONTH, -1);
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tempDate = calendar.getTime();
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}
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planDateList.add(tempDate);
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}
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RentPlanInfo temp = null;
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List<RentPlanInfo> result = new ArrayList<RentPlanInfo>();
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for (int i = 1; i < grace + incomeTimes + 1; i++){
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temp = new RentPlanInfo();
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temp.setId(i);
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temp.setStartDate(planDateList.get(i - 1));
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temp.setEndDate(planDateList.get(i));
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result.add(temp);
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}
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return result;
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}
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/**
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* 返回两时间间隔天数 bdate--开始时间字符串 edate--结束时间字符串
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*
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* @param startDate
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* @param endDate
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* @return
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*/
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public static long getDateDiff(Date startDate, Date endDate) {
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try {
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// 86400000毫秒，一天的时间
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long datediff = endDate.getTime() - startDate.getTime();
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datediff = datediff / 86400000;
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return datediff;
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} catch (Exception e) {
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return 0;
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}
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}
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/**
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* 返回两时间间隔天数 bdate--开始时间字符串 edate--结束时间字符串
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*
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* @param startDate
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* @param endDate
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* @return
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*/
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public static long getDateDiff(String startDate, String endDateStr) {
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try {
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// 86400000毫秒，一天的时间
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Date beginDate = dateFormat.parse(startDate);
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Date endDate = dateFormat.parse(endDateStr);
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long datediff = endDate.getTime() - beginDate.getTime();
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datediff = datediff / 86400000;
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return datediff;
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} catch (Exception e) {
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return 0;
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}
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}
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/**
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* 起租日和首期租金支付日的差额，
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* 如果选择期末支付 计算第一期缺少的天数当中的利息，从第一期利息中减去
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* 如起租日期是1号，第一期租金支付日是25号，那么会计算出25-30号的利息，
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* 第一期利息需要减去这个利息。
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*
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* @param condition
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* @return
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*/
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public static BigDecimal getFirstInterestDiff(CalculationCondition condition) {
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/**
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BigDecimal interest = new BigDecimal(0);
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Date startDate = condition.getStartDate();//起租日期
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Date firstPlanDate = condition.getFirstPlanDate();//第一期租金支付日
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Calendar calendar = Calendar.getInstance();
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calendar.setTime(startDate);
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if(condition.getPeriodType() == 1){//期末的话，应该加一期，才是理论上的第一期租金支付日
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calendar.add(Calendar.MONTH, condition.getIssueNumber());// 计算实际应该的第一期租金日期
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}
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// 计算预期的起租日期和第一期租金支付日中间的日期差
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long diff = RentCalculateUtil.getDateDiff(calendar.getTime(), firstPlanDate);
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BigDecimal leaseAmt = condition.getLeaseAmt();
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BigDecimal dayRate = condition.getDayRate();
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interest = leaseAmt.multiply(dayRate).multiply(new BigDecimal(diff)).setScale(Scale.INTEREST_SCALE, BigDecimal.ROUND_HALF_UP);
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logger.info("租金测算[RentCalculateUtil]租前息：" + interest.toString());
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return interest;
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**/
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return BigDecimal.ZERO;
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}
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/**
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* 等额本金法 计算 租金 ，本金 ，利息
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* 租金未 保留2位小数
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* 本金已保留 2位小数 最后一期已做处理
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* 利息 未保留2位小数
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* @param condition
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* @return
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* @throws ParseException
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*/
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public static void calculateForSameCorpus(ConditionBean cb,CalculationCondition condition,List<String> corpusList,String type,List<String> interestDateList,FundRentPlanBean frpb) throws Exception {
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List<String> rentList=new ArrayList<String>();
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List<String> businessCorpusList=new ArrayList<String>();
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List<String> interestList=new ArrayList<String>();
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BigDecimal leaseAmt = condition.getCleanLeaseMoney();// 融资额
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int incomeTimes = condition.getIncomeTimes();// 期数
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BigDecimal issueRate = condition.getIssueRate();// 期利率
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BigDecimal leaseAmtRemain = leaseAmt;// 剩余本金
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BigDecimal finalPayment = new BigDecimal(cb.getFinalPayment());
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//求出日利率(按365天算)
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for (int i = 0; i < interestDateList.size(); i++) {
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BigDecimal corpus = null;
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if("one_1".equals(cb.getCorpusType())){
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corpus = ( corpusList == null || corpusList.size() <= 0 )
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? new BigDecimal("0")
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: new BigDecimal(corpusList.get(i));// 本金
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}else if("three_1".equals(cb.getCorpusType())){
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corpus = ( corpusList == null || corpusList.size() <= 0 )
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? leaseAmt.subtract(condition.getEquipEndValue()).divide(new BigDecimal(incomeTimes/3), Scale.CORPUS_SCALE, BigDecimal.ROUND_HALF_EVEN)
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: new BigDecimal(corpusList.get(i));// 本金
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}else{
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corpus = ( corpusList == null || corpusList.size() <= 0 )
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? finalPayment.compareTo(BigDecimal.ONE) != 0 && "final_payment_method02".equals(cb.getFinalPaymentMethod()) ?
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leaseAmt.subtract(condition.getEquipEndValue()).subtract(finalPayment).divide(new BigDecimal(incomeTimes), Scale.CORPUS_SCALE, BigDecimal.ROUND_HALF_EVEN)
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: leaseAmt.subtract(condition.getEquipEndValue()).divide(new BigDecimal(incomeTimes), Scale.CORPUS_SCALE, BigDecimal.ROUND_HALF_EVEN)
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: new BigDecimal(corpusList.get(i));// 本金
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}
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BigDecimal interest = BigDecimal.ZERO;
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if(type.equalsIgnoreCase("issue")){
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interest = leaseAmtRemain.multiply(issueRate).setScale(Scale.RATE_SCALE, BigDecimal.ROUND_HALF_UP);
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}else{
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//天数差
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BigDecimal dayRate = RateTools.getPreDayRate(condition.getYearRate().toString(),type);
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long days = 0;
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if(i == 0){//第一期
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days = DateTools.getDateDiff(DateUtil.getTimeByFormat(interestDateList.get(i),"yyyy/MM/dd") ,condition.getStartDate());
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}else{
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days = DateTools.getDateDiff(DateUtil.getTimeByFormat(interestDateList.get(i),"yyyy/MM/dd"),DateUtil.getTimeByFormat(interestDateList.get(i-1),"yyyy/MM/dd"));
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}
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interest = leaseAmtRemain.multiply(dayRate).multiply(new BigDecimal(days)).setScale(Scale.RATE_SCALE, BigDecimal.ROUND_HALF_UP);
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}
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if (i < condition.getGrace()) {
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corpus = new BigDecimal(0);// 宽限期内只收利息
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} else {
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// 宽限期结束后第一期，如果是期初支付租金，不计利息
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if (i == condition.getGrace()) {
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if (condition.getPeriodType() == 0) {
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interest = new BigDecimal("0");
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}
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}
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}
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if(i == 0){
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interest = interest.add(getFirstInterestDiff(condition));
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}
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if("three_1".equals(cb.getCorpusType()) && (i + 1) % 3 != 0){
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corpus = new BigDecimal("0");
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}
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if(i == interestDateList.size() -1){
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corpus = leaseAmtRemain.subtract(condition.getEquipEndValue());
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}
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//租金圆整
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BigDecimal rent=interest.add(corpus);//租金
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if(condition.getRentRound().length()>0){
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rent=new BigDecimal(NumberUtils.rentRound(rent.toString(),condition.getRentRound(),condition.getRentRoundType()));
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}
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rentList.add(rent.toString());
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businessCorpusList.add(corpus.toString());
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interestList.add(rent.subtract(corpus).toString());
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leaseAmtRemain = leaseAmtRemain.subtract(corpus);// 剩余本金重置
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}
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frpb.setRentList(rentList);
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frpb.setCorpusBusinessList(businessCorpusList);
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frpb.setInterestBusinessList(interestList);
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}
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/**
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* 根据租金计划和商务条件获取财务IRR，和财务收益率不一样
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*
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* @param rentPlan
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* @param condition
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* @return
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* @throws ParseException
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*/
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public static BigDecimal getFinanceYearRate(CalculationCondition condition, List<RentPlanInfo> rentPlan) throws ParseException {
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List<BigDecimal> inflowPour = new ArrayList<BigDecimal>();
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for (int i = condition.getGrace(); i < rentPlan.size(); i++) {//财务irr的计算不算宽限期的
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RentPlanInfo rpi = rentPlan.get(i);
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inflowPour.add(rpi.getRent());
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}
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BigDecimal leaseAmt = new BigDecimal(-1).multiply(condition.getLeaseAmt());
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// 起租类型 注意: 期初 数字 1 字符串 period_type_1 #分割线# 期末 数字0 字符串 period_type_0
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if(condition.getPeriodType() <= 0){//期末的话把总本金加在数据列表的第一个，为了配合getIRR方法
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inflowPour.add(0, leaseAmt);
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} else {
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inflowPour.set(0, inflowPour.get(0).add(leaseAmt));//期初的话与第一期租金合并
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}
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BigDecimal irr = IRRCalculateUtil.getIRR(inflowPour, condition);
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return irr;
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}
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/**
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* 根据商务条件和租金计划填充租金计划中的财务本金和财务利息
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*
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* @param condition 商务条件
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* @param rentPlan 租金计划数据列表
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* @throws ParseException
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*/
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public static void calculateFinacesPlan(CalculationCondition condition, List<RentPlanInfo> rentPlan) throws ParseException {
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BigDecimal irr = getFinanceYearRate(condition, rentPlan);
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BigDecimal issueRateFina = irr.divide(new BigDecimal(12 / condition.getIssueNumber()), Scale.RATE_SCALE, BigDecimal.ROUND_HALF_EVEN);
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BigDecimal issueRate = condition.getIssueRate();// 期利率
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BigDecimal leaseAmtRemain = condition.getLeaseAmt();// 剩余本金
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for (int i = 0; i < rentPlan.size(); i++) {
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RentPlanInfo rpi = rentPlan.get(i);
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BigDecimal cwInterest = new BigDecimal(0);
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BigDecimal cwCorpus = new BigDecimal(0);
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if(i < condition.getGrace()){
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cwInterest = leaseAmtRemain.multiply(issueRate).setScale(Scale.INTEREST_SCALE, BigDecimal.ROUND_HALF_UP);
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} else {
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cwInterest = leaseAmtRemain.multiply(issueRateFina).setScale(Scale.INTEREST_SCALE, BigDecimal.ROUND_HALF_UP);
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if (i == condition.getGrace()) {
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if (condition.getPeriodType() == 0) {
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// 宽限期结束，期初付款第一期，不计利息
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cwInterest = new BigDecimal("0");
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}
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}
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}
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if(i == 0 && condition.getGrace() > 0){
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cwInterest = cwInterest.add(getFirstInterestDiff(condition));
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}
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cwCorpus = rpi.getRent().subtract(cwInterest);
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rpi.setFinanceInterest(cwInterest);// 财务利息
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rpi.setFinanceCorpus(cwCorpus);// 财务本金
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rpi.setFinanceRemain(leaseAmtRemain);// 财务计息本金剩余
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//****************************************************************
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/**
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* 临时的，有可能会永远的这样做：直接把业务的数据复制过来（保证数据准确，除均息法外）
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* */
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rpi.setFinanceInterest(rpi.getBusinessInterest());// 财务利息
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rpi.setFinanceCorpus(rpi.getBusinessCorpus());// 财务本金
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rpi.setFinanceRemain(rpi.getBusinessRemain());// 财务计息本金剩余
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// 后边的568行最后一期处理也不需要了
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//****************************************************************
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leaseAmtRemain = leaseAmtRemain.subtract(cwCorpus);// 剩余本金重置
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}
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}
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}
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