552 lines
18 KiB
Java
552 lines
18 KiB
Java
package com.tenwa.reckon.help;
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import java.math.BigDecimal;
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import java.util.ArrayList;
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import java.util.Arrays;
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import java.util.List;
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import com.tenwa.reckon.bean.ConditionBean;
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import com.tenwa.reckon.constant.Scale;
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import com.tenwa.reckon.util.DateTools;
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import com.tenwa.reckon.util.NumTools;
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import com.tenwa.reckon.util.NumberUtils;
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import com.tenwa.reckon.util.RateTools;
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import com.tenwa.reckon.util.RentTools;
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import com.tenwa.reckon.util.Tools;
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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 2011-3-3
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* @desc ( 不同的租金测算值，pmt算租金，根据期限之类的，算出租金List并返回租金测算层)
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*/
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public class RentalServiceImpl {
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/**
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*
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* ( 标准根据交易结构算出pmt租金值)
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*
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* @param cb
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* @return
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*/
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public String getSignRentByCb(ConditionBean cb) {
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// 1.根据年利率等信息，
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// 中的getPreRate得到测算的租金利率
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String preRate = RateTools.getPreRate(cb.getYearRate(), cb.getIncomeNumberYear(),cb.getRateAdjustType());
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// 2.调用PMT方法，得每期租金
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String rent = RentTools.getPMT(preRate, cb.getIncomeNumber() + "", "-" + cb.getCleanLeaseMoney(), cb.getEquipEndValue(), cb.getPeriodType());
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//sea 2014-03-10 等额租金-按租金计算年利率 情况下：每期租金置为界面输入的租金值,防止不正确的小数出现
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String settleMethod = Tools.getDBStr( cb.getSettleMethod() );//租金计算方法 ,等额租金：even_rent
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String rentOrRate = Tools.getDBStr( cb.getRentOrRate() );//计算方式 按租金计算年利率 :rent 按年利率计算租金 :rate
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if("even_rent".equals(settleMethod) && "rent".equals(rentOrRate)){
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//TODO
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}
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//seaEND
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//算出来的租金，进行精度规整，四舍五入，小数点后保留2位
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return new BigDecimal(rent).setScale(Scale.RENT_SCALE, BigDecimal.ROUND_HALF_UP).toString();
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}
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/**
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*
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* ( 其它测算方法可以重构此方法，并返回租金list)
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*
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* @param cb
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* @return
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*/
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public List<String> getRentListByCond(ConditionBean cb) {
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// 1.根据年利率等信息，
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// 中的getPreRate得到测算的租金利率
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String preRate = RateTools.getPreRate(cb.getYearRate(), cb.getIncomeNumberYear(),cb.getRateAdjustType());
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String cleanLeaseMoney = cb.getCleanLeaseMoney();
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if(new BigDecimal(cb.getCleanLeaseMoney()).compareTo(BigDecimal.ZERO) > 0 ){
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cleanLeaseMoney = "-"+cb.getCleanLeaseMoney();
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}
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String rent = "";
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if(cb.getRentOrRate() != null && cb.getRentOrRate().equals("rent")){
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rent = cb.getRentValue().toString();
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}else{
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BigDecimal finalPayment = new BigDecimal(cb.getFinalPayment());
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if(finalPayment.compareTo(BigDecimal.ZERO) != 0) {
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rent = new BigDecimal(RentTools.getPMT(preRate, cb.getIncomeNumber() + "", cleanLeaseMoney, finalPayment.toString(), cb.getPeriodType())).toString();
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} else {
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rent = new BigDecimal(RentTools.getPMT(preRate, cb.getIncomeNumber() + "", cleanLeaseMoney, cb.getEquipEndValue(), cb.getPeriodType())).toString();
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}
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if(cb.getRentRound().length()>0){
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rent=NumberUtils.rentRound(rent, cb.getRentRound(),cb.getRentRoundType());
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}
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}
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// 3.是否有宽限期判断,宽限期租金列表计算
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List<String> rent_list = new ArrayList<String>();
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rent_list = getGraceRentList(cb, rent_list, preRate);
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// 4.正常租金列表计算
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rent_list = getNormalRentList(cb, rent_list, rent);
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return rent_list;
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}
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/**
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*
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* 众联车辆等额租金
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*
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* @param cb
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* @return
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*/
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public List<String> getRentListByCondWithZL(ConditionBean cb) {
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// 1.根据年利率等信息，
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// 中的getPreRate得到测算的租金利率
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String preRate = RateTools.getPreRate(cb.getYearRate(), cb.getIncomeNumberYear(),cb.getRateAdjustType());
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String cleanLeaseMoney = cb.getShare().toString();
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if(cb.getShare().compareTo(BigDecimal.ZERO) > 0 ){
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cleanLeaseMoney = "-"+cleanLeaseMoney;
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}
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String rent = "";
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if(cb.getRentOrRate() != null && cb.getRentOrRate().equals("rent")){
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rent = cb.getRentValue().toString();
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}else{
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rent =new BigDecimal(RentTools.getPMT(preRate, cb.getIncomeNumber() + "", cleanLeaseMoney, cb.getEquipEndValue(), cb.getPeriodType())).toString();
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if(cb.getRentRound().length()>0){
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rent=NumberUtils.rentRound(rent, cb.getRentRound(),cb.getRentRoundType());
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}
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}
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// 3.是否有宽限期判断,宽限期租金列表计算
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List<String> rent_list = new ArrayList<String>();
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rent_list = getGraceRentList(cb, rent_list, preRate);
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// 4.正常租金列表计算
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rent_list = getNormalRentList(cb, rent_list, rent);
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return rent_list;
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}
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/**
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* 等额租金 日利率
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* @param dateList
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* @param cb
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* @return
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*/
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public List<String> getRentListByCond(ConditionBean cb,List<String> dateList){
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String rate=new BigDecimal(cb.getYearRate()).divide(new BigDecimal(100)).toString();
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String rent="";
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if(cb.getRentOrRate() != null && cb.getRentOrRate().equals("rent")){
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rent = cb.getRentValue().toString();
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}else{
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rent=RentTools.getDayPmt(dateList,rate,cb.getCleanLeaseMoney(),cb.getEquipEndValue(),cb.getStartDate(), cb.getGrace());
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if(cb.getRentRound().length()>0){
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rent=NumberUtils.rentRound(rent, cb.getRentRound(),cb.getRentRoundType());
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}
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}
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// 3.是否有宽限期判断,宽限期租金列表计算
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List<String> rent_list = new ArrayList<String>();
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rent_list = getGraceRentList(cb, rent_list,cb.getYearRate(),dateList);
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// 4.正常租金列表计算
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rent_list = getNormalRentList(cb, rent_list, rent);
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return rent_list;
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}
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/**
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*
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* ( 均息法下获得租金列表,并调整最后一期的均息法下的本息)
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*
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* @param corpus
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* 总本金
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* @param endValues
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* 剩余本金
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* @param corpus
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* 本金集合
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* @param interest
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* 利息集合
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* @return 返回租金集合
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*/
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public List<String> getRentListByCond(String leas_money, String endValues, List<String> corpus, List<String> interest,ConditionBean cb) {
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List<String> rent_list = new ArrayList<String>();
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BigDecimal corpus_total = new BigDecimal("0");
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for (int i = 0; i < corpus.size(); i++) {
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BigDecimal rent = new BigDecimal(corpus.get(i).toString()).add(new BigDecimal(interest.get(i).toString())).setScale(RentTools.getRentAccuracy(), BigDecimal.ROUND_HALF_UP);
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if(cb.getRentRound().length()>0){
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rent=new BigDecimal(NumberUtils.rentRound(rent.toString(),cb.getRentRound(),cb.getRentRoundType()));
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}
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rent_list.add(rent.toString());
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// 因为租金元整过,所以这里要重新元整利息
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BigDecimal inteTemp = rent.subtract(new BigDecimal(corpus.get(i).toString()).setScale(RentTools.getInterestAccuracy(), BigDecimal.ROUND_HALF_UP));
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interest.set(i, inteTemp.toString());
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if (i < corpus.size() - 1) {
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corpus_total = corpus_total.add(new BigDecimal(corpus.get(i)));
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}
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}
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// 调整最后一期本息
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String last_corpus = new BigDecimal(leas_money).subtract(new BigDecimal(endValues)).subtract(corpus_total).setScale(RentTools.getAccuracy(), BigDecimal.ROUND_HALF_UP).toString();
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corpus.set(corpus.size() - 1, last_corpus);
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interest.set(interest.size() - 1, new BigDecimal(rent_list.get(rent_list.size() - 1).toString()).subtract(new BigDecimal(corpus.get(corpus.size() - 1).toString())).setScale(RentTools.getAccuracy(), BigDecimal.ROUND_HALF_UP).toString());
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return rent_list;
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}
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/**
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*
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* ( 正常租金列表计算)
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*
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* @param cb
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* @param rent_list
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* @param rent
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* @return
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*/
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public List<String> getNormalRentList(ConditionBean cb, List<String> rent_list, String rent) {
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BigDecimal finalPayment = new BigDecimal(cb.getFinalPayment());
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for (int i = 0; i < cb.getIncomeNumber(); i++) {
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if(i == cb.getIncomeNumber() - 1 && finalPayment.compareTo(BigDecimal.ONE) != 0 && "final_payment_method02".equals(cb.getFinalPaymentMethod())) {
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rent_list.add(finalPayment.add(new BigDecimal(rent)).toString());
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} else {
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rent_list.add(rent);
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}
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}
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return rent_list;
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}
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/**
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*
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* ( 宽限期租金计算)
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*
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* @param cb
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* @return
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*/
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public List<String> getGraceRentList(ConditionBean cb, List<String> rent_list, String preRate) {
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if (cb != null && cb.getGrace() > 0) {
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// 算出宽限期的租金
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String newRent = new BigDecimal(cb.getCleanLeaseMoney()).multiply(new BigDecimal(preRate)).toString();
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for (int i = 0; i < cb.getGrace(); i++) {
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rent_list.add(NumTools.formatNumberDoubleScale(newRent, RentTools.getRentAccuracy()));
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}
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}
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return rent_list;
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}
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/**
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* 等额租金按日利率 计算宽限期租金
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* @param cb
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* @param rent_list
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* @param yearDate
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* @param dateList
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* @return
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*/
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public List<String> getGraceRentList(ConditionBean cb,List<String> rent_list,String yearDate,List<String> dateList){
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int grace=cb.getGrace();//宽限期
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BigDecimal year = new BigDecimal(360);
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BigDecimal rate=new BigDecimal(yearDate);
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String startDate=cb.getStartDate();
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if(cb!=null&&grace>0){
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for(int i=0;i<grace;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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String newRent=new BigDecimal(cb.getCleanLeaseMoney()).multiply(rate).multiply(new BigDecimal(dayDiff)).divide(new BigDecimal(100)).divide(year,2,BigDecimal.ROUND_HALF_UP).toString();
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rent_list.add(newRent);
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}
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}
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return rent_list;
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}
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/**
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*
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* ( 不规则租金测算List)
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*
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* @param cb
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* @param rent_list
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* @return
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*/
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public List<String> getDeviRentList(ConditionBean cb, List<String> rent_list, String index) {
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//
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String rent = getSignRentByCb(cb);
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// 4.正常租金列表计算
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// rent_list = getNormalRentList(cb, rent_list, rent);
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// 重新给后面的元素赋值
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for (int i = Integer.parseInt(index); i < rent_list.size(); i++) {
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rent_list.set(i, rent);
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// index = String.valueOf(Integer.parseInt(index) + 1);
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}
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return rent_list;
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}
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/**
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*
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* ( 不规则租金测算，参照合成) 2011-12-6
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* 增加年利率计划参数.根据租金计划中的年利率算相关值
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*
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* @param cb
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* @param rentAdjustList
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* @return
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*/
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@SuppressWarnings("unchecked")
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public List<String> getDeviRentList(ConditionBean cb, String[] rentAdjustList, List<String> year_rate) {
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// 将不规则数组转化为List列表 String []rent_adjust_arr
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List<String> l_rent_adjust = Arrays.asList(rentAdjustList);
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// 1.根据年利率等信息，
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// 中的getPreRate得到测算的租金利率
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// 2011-12-6 修改为从集合中拿年利率
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// String preRate = RateTools.getPreRate(cb.getYear_rate(),
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// cb.getIncome_number_year());
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// String preRate = RateTools.getPreMonthRate(cb.getYear_rate());
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// 3.是否有宽限期判断,宽限期租金列表计算
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List<String> rent_list = new ArrayList<String>();
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// 宽限期的租金调整
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int grace = cb.getGrace();
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if (grace > 0) {
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rent_list = getDevGraceRentList(cb, l_rent_adjust, grace, year_rate);
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}
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// 得到调整期的本金和
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String btotal_charge = getCharCorTotal(l_rent_adjust, year_rate, cb);
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// 得到不调整期的本金系数和
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String btotal_nocharge = getNoCharCorTotal(l_rent_adjust, year_rate, cb);
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if (btotal_nocharge.toString().equals("0")) {
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btotal_nocharge = "1";
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}
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// 总的
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String preRate = RateTools.getPreRate(year_rate.get(year_rate.size() - 1), cb.getIncomeNumberYear(),cb.getRateAdjustType());
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String endValue = String.valueOf(Double.parseDouble(cb.getEquipEndValue()) / Math.pow(1 + Double.parseDouble(preRate), Double.valueOf(cb.getIncomeNumber())));
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String rent = new BigDecimal(String.valueOf(new BigDecimal(cb.getCleanLeaseMoney()).subtract(new BigDecimal(endValue)))).subtract(new BigDecimal(btotal_charge)).divide(new BigDecimal(btotal_nocharge), 20, BigDecimal.ROUND_HALF_UP).toString();
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// 构建新的租金列表
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rent_list = getDevNewRentList(l_rent_adjust, rent, rent_list, cb.getGrace());
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return rent_list;
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}
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/**
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*
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* ( 得到宽限期的调整租金)
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*
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* @param cb
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* @param l_rent_adjust
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* @param grace
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* @param year_rate
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* 年利率集合
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* @return 返回宽限期内的调整租金后的租金列表
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*/
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private List<String> getDevGraceRentList(ConditionBean cb, List<String> l_rent_adjust, int grace, List<String> year_rate) {
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List<String> devGrace = new ArrayList<String>();
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// String preRate = RateTools.getPreRate(cb.getYear_rate(),
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// cb.getIncome_number_year());
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String preRate = "";
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// 本金总和
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String corpus = cb.getCleanLeaseMoney();
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// 因为宽限期不多,就每一期单独计算
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for (int i = 0; i < grace; i++) {
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preRate = RateTools.getPreRate(year_rate.get(i), cb.getIncomeNumberYear(),cb.getRateAdjustType());
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if (l_rent_adjust.get(i).toString().equals("")) {// 如果不调整就是本金*利率
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devGrace.add(new BigDecimal(corpus).multiply(new BigDecimal(preRate)).toString());
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} else {
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devGrace.add(l_rent_adjust.get(i).toString());
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// 2011-11-14 宽限期调整 不对后续测试有任何影响
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// corpus=new BigDecimal(corpus).subtract(new
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// BigDecimal(l_rent_adjust.get(i).toString())
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// .subtract(new BigDecimal(corpus).multiply(new
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// BigDecimal(preRate)))).toString();
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}
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}
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// 2011-11-14 宽限期调整 不对后续测试有任何影响
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// cb.setCalTotalByCont(corpus);//宽限期之后的本金总值
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return devGrace;
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}
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/**
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*
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* ( 构建新的租金列表)
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*
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* @param l_rent_adjust
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* @param rent
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* @return
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*/
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private List<String> getDevNewRentList(List<String> l_rent_adjust, String rent, List<String> rent_list, int grace) {
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// List rent_list = new ArrayList();
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int igrace = grace;
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for (int i = igrace; i < l_rent_adjust.size(); i++) {
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if ("".equals(l_rent_adjust.get(i).toString())) {// 如这期不调整时
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rent_list.add(rent);
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} else {// 有调整时
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rent_list.add(l_rent_adjust.get(i).toString());
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}
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}
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return rent_list;
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}
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/**
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*
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* ( 得到变更后的本金和)
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*
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* @param l_rent_adjust
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* @param preRate
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* @return
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*/
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private String getCharCorTotal(List<String> l_rent_adjust, List<String> year_rate, ConditionBean cb) {
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String pv_str = "0";// 用于保存变更的本金和
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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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String[] i_array = RentTools.getAdjustIds(l_rent_adjust, cb.getGrace());
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String preRate = "";
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int num = 0;
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if (cb.getPeriodType().toString().equals("0")) {// 如果期末要加1
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num = 1;
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}
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for (int i = 0; i < i_array.length; i++) {
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preRate = RateTools.getPreRate(year_rate.get(i), cb.getIncomeNumberYear(),cb.getRateAdjustType());
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String iValue = new String(i_array[i]);
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// if ("".equals(iValue)){
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// iValue="0";
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// }
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// 2011-04-20宽限期不算进期中，所以
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iValue = String.valueOf(Integer.parseInt(iValue) - cb.getGrace());
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pv_str = String.valueOf(Double.parseDouble(pv_str) + Double.parseDouble(l_rent_adjust.get(Integer.parseInt(i_array[i])).toString()) / Math.pow(1 + Double.parseDouble(preRate), Double.valueOf(Integer.parseInt(iValue) + num)));
|
||
// logger.info("=double算出=" +pv_str);
|
||
// logger.info(btotal_charge.doubleValue());
|
||
|
||
}
|
||
|
||
return pv_str;
|
||
}
|
||
|
||
/**
|
||
*
|
||
* ( 得到不变更的本金系数和)
|
||
*
|
||
* @param l_rent_adjust
|
||
* @param preRate
|
||
* @return
|
||
*/
|
||
private String getNoCharCorTotal(List<String> l_rent_adjust, List<String> year_rate, ConditionBean cb) {
|
||
|
||
// 得到不调整期的本金系数和
|
||
String dTotal = "0";// 用于保存不变更的本金系数和
|
||
// 得到不变更的租金列表下标值,并以数组返回
|
||
String[] i_no_array = RentTools.getNoAdjustIds(l_rent_adjust, cb.getGrace());
|
||
String preRate = "";
|
||
int num = 0;
|
||
if (cb.getPeriodType().toString().equals("0")) {// 如果期末要加1
|
||
num = 1;
|
||
}
|
||
for (int i = 0; i < i_no_array.length; i++) {
|
||
preRate = RateTools.getPreRate(year_rate.get(i), cb.getIncomeNumberYear(),cb.getRateAdjustType());
|
||
String inoValue = new String(i_no_array[i]);
|
||
// if ("".equals(inoValue)){
|
||
// inoValue="0";
|
||
// }
|
||
// 2011-04-20宽限期不算进期中，所以
|
||
inoValue = String.valueOf(Integer.parseInt(inoValue) - cb.getGrace());
|
||
|
||
dTotal = String.valueOf(Double.parseDouble(dTotal) + Double.parseDouble("1") / Math.pow(1 + Double.parseDouble(preRate), Double.valueOf(Integer.parseInt(inoValue) + num)));
|
||
}
|
||
|
||
return dTotal;
|
||
}
|
||
|
||
/**
|
||
* scl (根据FundRentPlanBean和租金调整值测算每期租金)
|
||
*
|
||
* @param frpb
|
||
* FundRentPlanBean
|
||
* @param rentAdjustList
|
||
* @return
|
||
*/
|
||
@SuppressWarnings("unchecked")
|
||
public List<String> getDeviRentList(ConditionBean cdb, List<String> year_rate_list, String[] rentAdjustList) {
|
||
|
||
// 将不规则数组转化为List列表 String []rent_adjust_arr
|
||
List<String> l_rent_adjust = Arrays.asList(rentAdjustList);
|
||
|
||
// 得到调整期的本金和
|
||
String btotal_charge = getCharCorTotal(l_rent_adjust, year_rate_list, cdb.getGrace());
|
||
|
||
// 得到不调整期的本金系数和
|
||
String btotal_nocharge = getNoCharCorTotal(l_rent_adjust, year_rate_list, cdb.getGrace());
|
||
// 得到总的测算本金
|
||
if (btotal_nocharge.toString().equals("0")) {
|
||
btotal_nocharge = "1";
|
||
}
|
||
String rent = new BigDecimal(cdb.getCleanLeaseMoney()).subtract(new BigDecimal(btotal_charge)).divide(new BigDecimal(btotal_nocharge), 20, BigDecimal.ROUND_HALF_UP).toString();
|
||
|
||
// 构建新的租金列表
|
||
List<String> rent_list = new ArrayList<String>();
|
||
rent_list = getDevNewRentList(l_rent_adjust, rent, rent_list, cdb.getGrace());
|
||
|
||
return rent_list;
|
||
}
|
||
|
||
/**
|
||
* scl ( 得到变更后的本金和)
|
||
*
|
||
* @param l_rent_adjust
|
||
* 调整值
|
||
* @param year_rate_list
|
||
* 年利率
|
||
* @return
|
||
*/
|
||
private String getCharCorTotal(List<String> l_rent_adjust, List<String> year_rate_list, int grace) {
|
||
|
||
String pv_str = "0";// 用于保存变更的本金和
|
||
// 得到变更的租金列表下标值,并以数组返回
|
||
String[] i_array = RentTools.getAdjustIds(l_rent_adjust, grace);
|
||
|
||
for (int i = 0; i < i_array.length; i++) {
|
||
|
||
String iValue = new String(i_array[i]);
|
||
// 2011-04-20宽限期不算进期中，所以
|
||
iValue = String.valueOf(Integer.parseInt(iValue) - grace);
|
||
|
||
pv_str = String.valueOf(Double.parseDouble(pv_str) + Double.parseDouble(l_rent_adjust.get(Integer.parseInt(i_array[i])).toString()) / Math.pow(1 + Double.parseDouble(year_rate_list.get(i).toString()), Double.valueOf(Integer.parseInt(iValue) + 1)));
|
||
}
|
||
return pv_str;
|
||
}
|
||
|
||
/**
|
||
* scl 得到不变更的本金系数和)
|
||
*
|
||
* @param l_rent_adjust
|
||
* @param year_rate_list
|
||
* @return
|
||
*/
|
||
private String getNoCharCorTotal(List<String> l_rent_adjust, List<String> year_rate_list, int grace) {
|
||
|
||
// 得到不调整期的本金系数和
|
||
String dTotal = "0";// 用于保存不变更的本金系数和
|
||
// 得到不变更的租金列表下标值,并以数组返回
|
||
String[] i_no_array = RentTools.getNoAdjustIds(l_rent_adjust, grace);
|
||
for (int i = 0; i < i_no_array.length; i++) {
|
||
|
||
String inoValue = new String(i_no_array[i]);
|
||
// 2011-04-20宽限期不算进期中，所以
|
||
inoValue = String.valueOf(Integer.parseInt(inoValue) - grace);
|
||
|
||
dTotal = String.valueOf(Double.parseDouble(dTotal) + Double.parseDouble("1") / Math.pow(1 + Double.parseDouble(year_rate_list.get(i).toString()), Double.valueOf(Integer.parseInt(inoValue) + 1)));
|
||
|
||
}
|
||
return dTotal;
|
||
}
|
||
|
||
public List<String> getRentRemainList(List<String> rentList) {
|
||
List<String> result = new ArrayList<String>();
|
||
String first = "0";
|
||
for (int i = rentList.size() - 1; i >= 0; i--) {
|
||
result.add(0, first);
|
||
first = new BigDecimal(first).add(new BigDecimal(rentList.get(i))).toString();
|
||
}
|
||
return result;
|
||
}
|
||
}
|