239 lines
13 KiB
Java
239 lines
13 KiB
Java
package com.tenwa.reckon.executor;
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import com.amarsoft.are.jbo.BizObject;
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import com.amarsoft.are.jbo.BizObjectManager;
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import com.amarsoft.are.jbo.JBOFactory;
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import com.amarsoft.are.jbo.JBOTransaction;
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import com.tenwa.comm.exception.BusinessException;
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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.TabCalBean;
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import com.tenwa.reckon.help.PlanDateServiceImpl;
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import com.tenwa.reckon.util.IrrTools;
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import com.tenwa.reckon.util.RentTools;
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import org.apache.commons.lang3.StringUtils;
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import java.math.BigDecimal;
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import java.util.ArrayList;
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import java.util.List;
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public class SegmentedFinancingExecutor extends FundRentPlanExecutor {
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public SegmentedFinancingExecutor(JBOTransaction tx) {
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super( tx );
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}
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@Override
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public FundRentPlanBean create( TabCalBean tcb, Integer startList ) throws Exception {
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this.deleteRentPlan( tcb.getRentPlan_tb(), tcb, startList );
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// 年还款次数
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String flowunid = tcb.getDocId();
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BigDecimal incomeNumberYear = new BigDecimal( tcb.getCb().getIncomeNumberYear() );
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BizObjectManager bom = JBOFactory.getBizObjectManager( "jbo.app.tenwa.calc.LC_CALC_SUBSECTION_INFO_TEMP", tx );
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BizObjectManager bomLSRPT = JBOFactory.getBizObjectManager( "jbo.app.tenwa.calc.LC_SUBSECTION_RENT_PLAN_TEMP", tx );
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bomLSRPT.createQuery( "delete from O where flowunid = :flowunid" ).setParameter( "flowunid", flowunid ).executeUpdate();
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// 遍历分段融表
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List<BizObject> bos = bom.createQuery( "flowunid = :flowunid order by subsection_number" ).setParameter( "flowunid", flowunid )
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.getResultList( true );
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List<String> dates = new ArrayList<>();
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List<String> interests = new ArrayList<>();
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List<String> corpuss = new ArrayList<>();
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List<String> rents = new ArrayList<>();
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List<String> overCorpuss = new ArrayList<>();
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PlanDateServiceImpl pdsi = new PlanDateServiceImpl( tx );
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ConditionBean cb = tcb.getCb();
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for ( BizObject bo : bos ) {
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// 分段号
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String subsectionNumber = bo.getAttribute( "SUBSECTION_NUMBER" ).getString();
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// 融资金额
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BigDecimal cleanLeaseMoney = new BigDecimal( bo.getAttribute( "CLEAN_LEASE_MONEY" ).getString() );
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// 标准利率
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BigDecimal rate = new BigDecimal( bo.getAttribute( "RATE" ).getString() ).divide( new BigDecimal( 100 ), 20, 4 );
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// 期利率
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BigDecimal preRate = rate.divide( incomeNumberYear, 20, 4 );
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// 期次
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BigDecimal incomeNumber = new BigDecimal( bo.getAttribute( "INCOME_NUMBER" ).getString() );
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cb.setIncomeNumber( incomeNumber.intValue() );
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List<String> planDateList = pdsi.getPlanDateList( cb, null );
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if ( planDateList.size() > dates.size() ) {
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dates = planDateList;
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}
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// 贴息计算方式
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String discountCalcMethod = bo.getAttribute( "DISCOUNT_CALC_METHOD" ).getString();
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// 融资利率
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BigDecimal financingRate;
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//获取融资利率是否只读，如果只读每次计算需要更新融资利率
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String iulma =bo.getAttribute( "IS_UPDATE_LEASE_MONEY_RATIO" ).getString();
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if ( "1".equals( discountCalcMethod ) ) { // 根据利率计算贴息金额
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// 贴息后利率
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BigDecimal discountRate = new BigDecimal( bo.getAttribute( "DISCOUNT_RATE" ).getString() ).divide( new BigDecimal( 100 ), 20, 4 );
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// 期利率
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BigDecimal preDiscountRate = discountRate.divide( incomeNumberYear, 20, 4 );
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// 标准利率计算租金
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String rent = RentTools.getPMT( preRate.toString(), incomeNumber.toString(), cleanLeaseMoney.negate().toString(), "0", "0" );
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// 贴息后利率计算租金
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String afterDiscountRent = RentTools.getPMT( preDiscountRate.toString(), incomeNumber.toString(), cleanLeaseMoney.negate().toString(), "0", "0" );
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// 计算贴息
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BigDecimal discount = new BigDecimal( rent ).setScale( 2, 4 ).multiply( incomeNumber ).subtract( new BigDecimal( afterDiscountRent ).setScale( 2, 4 ).multiply( incomeNumber ) );
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//客户要求，如果算出的贴息比配置的大，贴息金额为配置的最大金额，算出的贴息金额小于配置的最小值，贴息金额为配置的最小值，产品利率和融资利率不做调整
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if ( discount.compareTo( new BigDecimal( bo.getAttribute( "MAXIMUM_DISCOUNT" ).getString() ) ) > 0 ) {
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bo.setAttributeValue( "DISCOUNT_INTEREST", bo.getAttribute( "MAXIMUM_DISCOUNT" ).getString() );
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}else if ( discount.compareTo( new BigDecimal( bo.getAttribute( "MINIMUM_DISCOUNT" ).getString() ) ) < 0 ){
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bo.setAttributeValue( "DISCOUNT_INTEREST", bo.getAttribute( "MINIMUM_DISCOUNT" ).getString() );
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}else {
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bo.setAttributeValue( "DISCOUNT_INTEREST", discount );
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}
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String fr = bo.getAttribute( "FINANCING_RATE" ).getString();
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if ( StringUtils.isEmpty( fr ) || ( iulma!=null && "Y".equals(iulma) ) ) {
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financingRate = discountRate;
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bo.setAttributeValue( "FINANCING_RATE", discountRate.multiply( new BigDecimal( 100 ) ).toString() );
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} else {
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financingRate = new BigDecimal( fr ).divide( new BigDecimal( 100 ), 20, 4 );
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}
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bo.setAttributeValue( tcb.getPlanCName(), tcb.getPlanCValue() );
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bom.saveObject( bo );
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} else if("2".equals( discountCalcMethod )) { //根据金额算利率
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// 贴息金额
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BigDecimal discount = new BigDecimal( bo.getAttribute( "DISCOUNT_INTEREST" ).getString() );
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// 标准利率计算租金
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String rent = RentTools.getPMT( preRate.toString(), incomeNumber.toString(), cleanLeaseMoney.negate().toString(), "0", "0" );
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// 贴息后租金
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BigDecimal afterDiscountRent = new BigDecimal( rent ).setScale( 2, 4 ).multiply( incomeNumber ).subtract( discount ).divide( incomeNumber, 2, 4 );
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List<BigDecimal> cashFlow = new ArrayList<>();
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cashFlow.add( cleanLeaseMoney.negate() );
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for ( int i = 0; i < incomeNumber.intValue(); i ++ ) {
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cashFlow.add( afterDiscountRent );
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}
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BigDecimal discountRate = getIRR( cashFlow, incomeNumberYear ).setScale( 2, 4 );//客户要求，只汽车只保留后小数点后两位
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bo.setAttributeValue( "DISCOUNT_RATE", discountRate.toString() );
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String fr = bo.getAttribute( "FINANCING_RATE" ).getString();
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if ( StringUtils.isEmpty( fr ) || ( iulma!=null && "Y".equals(iulma) ) ) {
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financingRate = discountRate.divide( new BigDecimal( 100 ), 20, 4 );
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bo.setAttributeValue( "FINANCING_RATE", discountRate.toString() );
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} else {
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financingRate = new BigDecimal( fr ).divide( new BigDecimal( 100 ), 20, 4 );
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}
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bo.setAttributeValue( tcb.getPlanCName(), tcb.getPlanCValue() );
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bom.saveObject( bo );
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}else if("3".equals( discountCalcMethod )) { // 固定值
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financingRate = new BigDecimal( bo.getAttribute( "FINANCING_RATE" ).getString() ).divide( new BigDecimal( 100 ), 20, 4 );
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} else {
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throw new BusinessException( "分段信息没有配置计算规则，无法测算！" );
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}
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//校验贴息是否在配置的区间内
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BigDecimal discountCheck = new BigDecimal( bo.getAttribute( "DISCOUNT_INTEREST" ).getString() );
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if(discountCheck.compareTo( new BigDecimal( bo.getAttribute( "MAXIMUM_DISCOUNT" ).getString() ) ) < 0) {
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}
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/* if ( !( discountCheck.compareTo( new BigDecimal( bo.getAttribute( "MAXIMUM_DISCOUNT" ).getString() ) ) <= 0 && discountCheck.compareTo( new BigDecimal( bo.getAttribute( "MINIMUM_DISCOUNT" ).getString() ) ) >= 0 ) ) {
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throw new BusinessException( "分段融的第"+subsectionNumber+"段的贴息金额不在产品配置的区间内！" );
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}*/
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// 融资期利率
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BigDecimal preFinancingRate = financingRate.divide( incomeNumberYear, 20, 4 );
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// 实际租金
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String rent = RentTools.getPMT( preFinancingRate.toString(), incomeNumber.toString(), cleanLeaseMoney.negate().toString(), "0", "0" );
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BigDecimal r = new BigDecimal( rent ).setScale( 2, 4 );
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for ( int i = 0; i < incomeNumber.intValue(); i ++ ) {
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BigDecimal interest;
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BigDecimal corpus;
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if ( i == incomeNumber.intValue() - 1 ) {
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corpus = cleanLeaseMoney;
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if ( corpus.compareTo( r ) >= 0 ) {
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r = corpus;
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interest = BigDecimal.ZERO;
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} else {
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interest = r.subtract( corpus );
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}
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cleanLeaseMoney = BigDecimal.ZERO;
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} else {
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interest = cleanLeaseMoney.multiply( preFinancingRate ).setScale( 2, 4 );
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corpus = r.subtract( interest );
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cleanLeaseMoney = cleanLeaseMoney.subtract( corpus );
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}
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BizObject boLSRPT = bomLSRPT.newObject();
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boLSRPT.setAttributeValue( "FLOWUNID", flowunid );
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boLSRPT.setAttributeValue( tcb.getPlanCName(), tcb.getPlanCValue() );
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boLSRPT.setAttributeValue( "PLAN_LIST", i + 1 );
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boLSRPT.setAttributeValue( "PLAN_DATE", planDateList.get( i ) );
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boLSRPT.setAttributeValue( "INTEREST_DATE", planDateList.get( i ) );
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boLSRPT.setAttributeValue( "PLAN_STATUS", "未回笼" );
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boLSRPT.setAttributeValue( "RENT", r.toString() );
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boLSRPT.setAttributeValue( "CORPUS", corpus.toString() );
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boLSRPT.setAttributeValue( "INTEREST", interest.toString() );
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boLSRPT.setAttributeValue( "ALL_REMAIN_CORPUS", cleanLeaseMoney.toString() );
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boLSRPT.setAttributeValue( "CORPUS_BUSINESS", corpus.toString() );
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boLSRPT.setAttributeValue( "INTEREST_BUSINESS", interest.toString() );
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boLSRPT.setAttributeValue( "SUBSECTION_NUMBER", subsectionNumber );
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bomLSRPT.saveObject( boLSRPT );
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if ( interests.size() > i ) {
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interests.set( i, new BigDecimal( interests.get( i ) ).add( interest ).toString() );
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corpuss.set( i, new BigDecimal( corpuss.get( i ) ).add( corpus ).toString() );
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overCorpuss.set( i, new BigDecimal( overCorpuss.get( i ) ).add( cleanLeaseMoney ).toString() );
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rents.set( i, new BigDecimal( rents.get( i ) ).add( r ).toString() );
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} else {
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interests.add( interest.toString() );
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corpuss.add( corpus.toString() );
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overCorpuss.add( cleanLeaseMoney.toString() );
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rents.add( r.toString() );
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}
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}
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}
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FundRentPlanBean fundRentPlanBean = new FundRentPlanBean();
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fundRentPlanBean.setCorpusOverageBusinessList( overCorpuss );
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fundRentPlanBean.setCorpusBusinessList( corpuss );
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fundRentPlanBean.setInterestBusinessList( interests );
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fundRentPlanBean.setPlanDateList( dates );
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fundRentPlanBean.setRentList( rents );
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this.addRentPlan( fundRentPlanBean, tcb, startList );
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return fundRentPlanBean;
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}
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public static BigDecimal getIRR( List cashFlows, BigDecimal incomeNumberYear ) {
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List<BigDecimal> cashFlow = new ArrayList<>();
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for ( int o = 0; o < cashFlows.size(); o ++ ) {
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Object obj = cashFlows.get( o );
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if ( obj instanceof BigDecimal ) {
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cashFlow.add( ( BigDecimal ) obj );
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} else {
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cashFlow.add( new BigDecimal( obj.toString() ) );
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}
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}
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BigDecimal up = BigDecimal.ONE;
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BigDecimal down = BigDecimal.ZERO;
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BigDecimal two = new BigDecimal( "2" );
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BigDecimal irr = new BigDecimal( "0.01" );
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BigDecimal accuracy = new BigDecimal( "0.0000001" );
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BigDecimal out;
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int i = 0;
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while ( irr.abs().compareTo( accuracy ) > 0 && i < 200 ) {
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out = cashFlow.get( 0 );
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for ( int j = 1; j < cashFlow.size(); j ++ ) {
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out = out.add( cashFlow.get( j ).divide( new BigDecimal( Math.pow( BigDecimal.ONE.add( irr ).doubleValue(), j ) ), 20, 4 ) );
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}
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if ( out.compareTo( BigDecimal.ZERO ) > 0 ) {
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down = irr;
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irr = irr.add( up ).divide( two, 20, 4 );
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} else if ( out.compareTo( BigDecimal.ZERO ) < 0 ) {
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up = irr;
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irr = irr.add( down ).divide( two, 20, 4 );
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}
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i ++;
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}
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irr = irr.multiply( incomeNumberYear ).multiply( new BigDecimal( 100 ) );
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return irr;
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}
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public static void main(String[] args) {
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System.out.println(new BigDecimal("12709.80").compareTo(new BigDecimal("10000.00")));
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}
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}
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