175 lines
6.1 KiB
Java
175 lines
6.1 KiB
Java
package com.tenwa.reckon.help;
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import java.math.BigDecimal;
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import java.text.ParseException;
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import java.util.ArrayList;
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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.bean.KnowingConfigBean;
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import com.tenwa.reckon.bean.KnowingTableBean;
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import com.tenwa.reckon.bean.TabCalBean;
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import com.tenwa.reckon.constant.Scale;
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import com.tenwa.reckon.util.IRRCalculateUtil;
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public class CalYearRateFromRent {
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private static CalYearRateFromRent rent;
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private CalYearRateFromRent(){}
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public static CalYearRateFromRent getInstance(){
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if(rent == null){
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rent = new CalYearRateFromRent();
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}
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return rent;
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}
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public void calDo(ConditionBean cb,TabCalBean tcb) throws Exception{
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String rentOrRate = cb.getRentOrRate();
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String settleMethod = cb.getSettleMethod();
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if("rent".equals(rentOrRate) || "knowing_rent".equals(rentOrRate)){
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if("even_interest".equals(settleMethod)){
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calDoByEvenInterest(cb);//均息法
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}
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if("even_rent".equals(settleMethod)){
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calDoByEvenRent(cb,tcb);//等额租金
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}
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if("even_rent_day".equals(settleMethod)){
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calDoByEvenRentDay2(cb, tcb);
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}
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}
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if("rent_period".equals(rentOrRate)||"rent_period_360".equals(rentOrRate)){//已知租金表
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calDoByEvenRentDay2(cb,tcb);
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}
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}
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/**
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* 等额租金算IRR 做为年利率
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* @param cb
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* @param tcb
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*/
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private void calDoByEvenRent(ConditionBean cb,TabCalBean tcb){
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//period_type_1 前收 期初1/期末0
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String periodType = cb.getPeriodType();
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//每期租金
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String rent = cb.getRentValue();
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//还款间隔 月
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int yearIncomeNumber = cb.getIncomeIntervalMonth();
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//还款期次
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String incomenumber = String.valueOf(cb.getIncomeNumber());
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List<BigDecimal> rentList = new ArrayList<BigDecimal>();
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if(cb.getRentOrRate().equals("knowing_rent")){
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List<KnowingConfigBean> beans = tcb.getKnowingConfigs();
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rentList = KnowingRentTools.convertKnowingBeanToList(beans);
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}else{
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for (int i = 0; i < Integer.parseInt(incomenumber); i++) {
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rentList.add( new BigDecimal(rent) );
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}
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}
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//融资额
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String leaseMoney = cb.getCleanLeaseMoney();
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//期末余值
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String equipendvalue = cb.getEquipEndValue();
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//循环封装租金用于构建现金流
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if("period_type_1".equals(periodType) || "1".equals(periodType)){// 期初
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BigDecimal leaseAmt = new BigDecimal(leaseMoney).multiply(new BigDecimal(-1));
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BigDecimal first = rentList.get(0);
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rentList.set(0,leaseAmt.add(first));
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}
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if("period_type_0".equals(periodType) || "0".equals(periodType)){// 期末
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rentList.add(0,new BigDecimal(leaseMoney).multiply(new BigDecimal(-1)));
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}
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//期末余值处理:计算年利率时，该值加在最后一期上
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BigDecimal endMoney = rentList.get(rentList.size()-1);
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endMoney = endMoney.add(new BigDecimal(equipendvalue));
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if("period_type_1".equals(periodType) || "1".equals(periodType)){// 期初
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rentList.add(rentList.size(),new BigDecimal(equipendvalue));
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}
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if("period_type_0".equals(periodType) || "0".equals(periodType)){// 期末
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rentList.set(rentList.size()-1,endMoney);
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}
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//计算期IRR
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BigDecimal issueRate = IRRCalculateUtil.getIRR(rentList);
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//期IRR乘以还款间隔即为年利率
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BigDecimal newYearRate = issueRate.multiply(new BigDecimal(1200/yearIncomeNumber));
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//返回年利率
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cb.setYearRate(newYearRate.toString());
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}
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/**
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* 等额租金按
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* @param cb
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* @param tcb
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* @throws Exception
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*/
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private void calDoByEvenRentDay2(ConditionBean cb,TabCalBean tcb) throws Exception{
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//period_type_1 前收 期初1/期末0
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//String periodType = cb.getPeriodType();
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//每期租金
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String rent = cb.getRentValue();
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//还款期次
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String incomenumber = String.valueOf(cb.getIncomeNumber());
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List<String> rentList = new ArrayList<String>();
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// 加载日期列表
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PlanDateServiceImpl pdsi = new PlanDateServiceImpl();
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List<String> dateList = pdsi.getPlanDateList(cb,"0");
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dateList=pdsi.getAdjustDate(dateList, cb.getPlanDateHoilday());
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if("interest_date".equals(cb.getInterestDayType()))
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{
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dateList=pdsi.getInterestDateList(cb);
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dateList=pdsi.getAdjustDate(dateList, cb.getInterestDateHoliday());
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}
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if(cb.getRentOrRate().equals("knowing_rent")){
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List<KnowingConfigBean> beans = tcb.getKnowingConfigs();
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rentList = KnowingRentTools.convertKnowingBeanToStrList(beans);
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}else if("rent_period".equals(cb.getRentOrRate())||"rent_period_360".equals(cb.getRentOrRate())){
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List<KnowingTableBean> beans = tcb.getKnowingTables();
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rentList = KnowingTableTools.convertKnowingBeanToStrList(beans);
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dateList=KnowingTableTools.convertKnowingBeanToDateList(beans);
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} else{
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for (int i = 0; i < Integer.parseInt(incomenumber); i++) {
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rentList.add(rent);
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}
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}
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//融资额
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String leaseMoney = cb.getCleanLeaseMoney();
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//期末余值
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String equipendvalue = cb.getEquipEndValue();
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//XIRR为年利率
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String newYearRate =IRRCalculateUtil.getIRRNew(leaseMoney,equipendvalue,cb.getGrace(),rentList, dateList,cb.getStartDate(),cb.getRentOrRate());
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//返回年利率
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cb.setYearRate(new BigDecimal(newYearRate).multiply(new BigDecimal(100)).toString());
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}
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/**
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* 均息法 算年利率
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* @param cb
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*/
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private void calDoByEvenInterest(ConditionBean cb){
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//每一期租金
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String rent = cb.getRentValue();
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//还款周期
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String leaseTerm = String.valueOf(cb.getLeaseTerm());
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//还款次数
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Integer incomeNumber = cb.getIncomeNumber();
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//净融资额
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String leaseMoney = cb.getCleanLeaseMoney();
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//宽限期数
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Integer grace = cb.getGrace() ;
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//计算每期本金：总融资额/还租次数
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BigDecimal issueCorpus = new BigDecimal(leaseMoney).subtract(new BigDecimal(cb.getEquipEndValue())).divide(new BigDecimal(incomeNumber), Scale.RATE_SCALE, BigDecimal.ROUND_HALF_UP);
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//利息 = 租金 - 本金
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BigDecimal issueInterest = new BigDecimal(rent).subtract(issueCorpus);
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//计算利息总额
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BigDecimal allInterest = issueInterest.multiply(new BigDecimal(incomeNumber).add(new BigDecimal(grace)));
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//总利息/总本金/年限（租赁期限/12）
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BigDecimal newYearRate = allInterest.multiply(new BigDecimal(100)).divide(new BigDecimal(leaseMoney), Scale.RATE_SCALE, BigDecimal.ROUND_HALF_UP).divide(new BigDecimal(leaseTerm).divide(new BigDecimal(12), 20, BigDecimal.ROUND_HALF_UP), Scale.RATE_SCALE, BigDecimal.ROUND_HALF_UP);
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//返回均息法情况下的年利率
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cb.setYearRate(newYearRate.toString());
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}
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}
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