def save_models(self):
#获取保持对象
obj = self.new_obj
obj.save()
if obj is not None:
bid_audit = obj
bid_audit.auditor = self.user.username
bid_audit.audiTime = timezone.now()
bid_request = bid_audit.bidRequestId
#如果审核成功
if bid_audit.state == BitStatesUtils.STATE_AUDIT():
#给标添加状态信息
bid_request.bidRequestState = BidConst.GET_BIDREQUEST_STATE_APPROVE_PENDING_2() #满标二审状态
bid_request.note = bid_audit.remark
#添加满标二审历史
self.createBrAuditHistory(bid_request)
elif bid_audit.state == BitStatesUtils.STATE_REJECT():
#审核失败，修改借款状态
bid_request.bidRequestState = BidConst.GET_BIDREQUEST_STATE_REJECTED() #满标审核拒绝
#进行退款
self.retureMoney(bid_request)
#移出借款人借款状态码
bid_request.createUser.userProfile.removeState(BitStatesUtils.GET_OP_HAS_BIDREQUEST_PROCESS())
bid_request.createUser.userProfile.save()
#保存模型
bid_request.save()
bid_audit.save()
class MoneyWithdraw(BaseAudit):
moneyAmount = models.DecimalField(max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="提现金额") # // 提现金额
charge = models.DecimalField(max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="提现手续费") #// 提现手续费
bankName = models.CharField(max_length=50,
blank=True,
null=True,
verbose_name="银行名称") # // 银行名称
accountName = models.CharField(max_length=50,
blank=True,
null=True,
verbose_name="开户人姓名") # // 开户人姓名
accountNumber = models.CharField(max_length=50,
blank=True,
null=True,
verbose_name="银行账号") # // 银行账号
bankForkName = models.CharField(max_length=50,
blank=True,
null=True,
verbose_name="开户支行") # // 开户支行I
class Meta:
verbose_name = u"提现审核"
verbose_name_plural = verbose_name
class Bid(models.Model):
actualRate = models.DecimalField(
max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="年化利率") #// (等同于bidrequest上的currentRate)
availableAmount = models.DecimalField(
max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="这次投标金额") # // 这次投标金额
bidRequestId = models.ForeignKey(
BidRequest,
related_name='bids',
verbose_name=u"借款标来源",
on_delete=models.CASCADE) #// 关联借款 来自于哪个借款标
bidRequestTitle = models.CharField(max_length=50,
blank=True,
null=True,
verbose_name="借款标题") #// 冗余数据, 等同于借款标题
bidUser = models.ForeignKey(Investor,
verbose_name=u"投标人",
on_delete=models.CASCADE) #// 借款人#// 投标人
bidTime = models.DateTimeField(blank=True, null=True,
verbose_name=u"投标时间") #// 投标时间
class Meta:
verbose_name = u"一次投资对象表"
verbose_name_plural = verbose_name
def calTotalInterest(cls,returnType, bidRequestAmount, yearRate, monthes2Return):
# cls.cal_set()
bidRequestAmount = Decimal(str(bidRequestAmount))
yearRate = Decimal(str(yearRate))
totalInterest = Decimal('0.0000')
monthlyRate = cls.getMonthlyRate(yearRate)
if returnType == BidConst.GET_RETURN_TYPE_MONTH_INTEREST_PRINCIPAL(): #按月分期
#只借款一个月
if monthes2Return == 1:
totalInterest = bidRequestAmount * monthlyRate
else:
temp1 = bidRequestAmount * monthlyRate
temp2 = pow((Decimal('1') + monthlyRate), monthes2Return)
temp3 = pow((Decimal('1') + monthlyRate),monthes2Return) - Decimal('1')
#计算每月还款
monthToReturnMoney = (temp1 * temp2) / temp3
#计算总还款
totalReturnMoney = monthToReturnMoney * Decimal(str(monthes2Return))
#算出利息
totalInterest = totalReturnMoney - bidRequestAmount
elif returnType == BidConst.GET_RETURN_TYPE_MONTH_INTEREST(): #按月到期
monthlyInterest = DecimalFormatUtil.amountformat((bidRequestAmount * monthlyRate))
totalInterest = monthlyInterest * monthes2Return
return DecimalFormatUtil.formatBigDecimal(totalInterest, BidConst.STORE_SCALE())
def post(self, request):
#// 检查, 得到借款信息
query = BidRequest.objects.filter(id=request.POST.get('bidRequestId'))
loaner_bid_amount = Decimal(request.POST.get('amount'))
#获取贷款款账户
loaner_account = Account.objects.get(userProfile=request.user)
#如何借款信息存在
if query.exists():
#获得借款信息对象
bid_request = query.first()
# 1,借款状态为招标中; 2,当前用户不是借款的借款人; 3,当前用户账户余额>=投标金额; 4,投标金额>=最小投标金额; 5,投标金额<=借款剩余投标金额;
if bid_request.minBidAmount <= loaner_bid_amount \
and bid_request.bidRequestState == BidConst.GET_BIDREQUEST_STATE_BIDDING() \
and bid_request.createUser.userProfile.id != loaner_account.userProfile.id \
and loaner_account.usableAmount >= loaner_bid_amount \
and bid_request.getRemainAmount() >= loaner_bid_amount:
# // 执行投标操作
# // 1, 创建一个投标对象;
# 设置相关属性;
bid_form = BidForm()
bid_form.save(user=request.user,
bid_request=bid_request,
loaner_bid_amount=loaner_bid_amount)
#2, 得到投标人账户, 修改账户信息;
loaner_account.usableAmount = loaner_account.usableAmount - loaner_bid_amount
loaner_account.freezedAmount = loaner_account.freezedAmount + loaner_bid_amount
loaner_account.save()
#// 3,生成一条投标流水;
account_flow = AccountFlowForm()
account_flow.save(loaner_account=loaner_account,
loaner_bid_amount=loaner_bid_amount)
# // 4, 修改借款相关信息;
bid_request.bidCount = bid_request.bidCount + 1
bid_request.currentSum = bid_request.currentSum + loaner_bid_amount
bid_request.save()
#// 判断当前标是否投满:
if bid_request.bidRequestAmount == bid_request.currentSum:
# // 1, 修改标的状态;，满标一审
bid_request.bidRequestState = BidConst.GET_BIDREQUEST_STATE_APPROVE_PENDING_1(
)
bid_request.save()
#生成满标一审
self.createBrAuditHistory(bid_request=bid_request)
print(bid_request.bids.all())
return HttpResponse('{"status":"success", "message":"投标成功"}',
content_type='application/json')
return HttpResponse('{"status":"failure", "message":"投标失败"}',
content_type='application/json')
def get_investor_nums(self, year, month):
# 统计借款人数
bid_request_query = BidRequest.objects.filter(
(Q(bidRequestState=BidConst.GET_BIDREQUEST_STATE_PAYING_BACK())
| Q(bidRequestState=BidConst.GET_BIDREQUEST_STATE_BIDDING()))
& Q(applyTime__month=month) & Q(applyTime__year=year))
if bid_request_query.exists():
return bid_request_query.count()
else:
return 0
def createPaymentScheduleDetail(self,payment_schedule, br):
bids = br.bids.values_list('bidUser')
# 取出所有投标用户id, 并去重
bid_user_ids = list(set((list(zip(*bids)))[0]))
# // 汇总利息和本金, 用于最后一个投标的用户的利息和本金计算
total_amount = Decimal('0')
for idx, bid_user_id in enumerate(bid_user_ids):
# 获取所有投资人
bids_temp_query = br.bids.filter(bidUser_id=bid_user_id)
#获取单个投资人
bid = bids_temp_query.first()
# 获取相同投资人投的标数量
# 统计投资金额
available_amount_total = bids_temp_query.aggregate(Sum('availableAmount'))
payment_schedule_detail = PaymentScheduleDetail.objects.create(bidId=bid)
payment_schedule_detail.bidAmount = available_amount_total['availableAmount__sum']
payment_schedule_detail.bidRequestId = br
payment_schedule_detail.deadline = payment_schedule.deadLine
#还款人
payment_schedule_detail.borrower = br.createUser
if idx == len(bid_user_ids) - 1:
payment_schedule_detail.totalAmount = payment_schedule.totalAmount - total_amount
# // 计算利息
interest = DecimalFormatUtil.formatBigDecimal(
data=(available_amount_total['availableAmount__sum'] / br.bidRequestAmount) * payment_schedule.interest,
scal=BidConst.STORE_SCALE()
)
payment_schedule_detail.interest = interest
payment_schedule_detail.principal = payment_schedule_detail.totalAmount - payment_schedule_detail.interest
else:
# // 计算利息
interest = DecimalFormatUtil.formatBigDecimal(
data=(available_amount_total['availableAmount__sum'] / br.bidRequestAmount) * payment_schedule.interest,
scal=BidConst.STORE_SCALE()
)
# // 计算本金
principal = DecimalFormatUtil.formatBigDecimal(
data=(available_amount_total['availableAmount__sum'] / br.bidRequestAmount) * payment_schedule.principal,
scal=BidConst.STORE_SCALE()
)
payment_schedule_detail.interest=interest
payment_schedule_detail.principal = principal
payment_schedule_detail.totalAmount = interest + principal
total_amount = total_amount + payment_schedule_detail.totalAmount
payment_schedule_detail.monthIndex = payment_schedule.monthIndex
payment_schedule_detail.paymentScheduleId = payment_schedule
#//投资人
payment_schedule_detail.investor = bid.bidUser
payment_schedule_detail.save()
class SystemAccount(models.Model):
usableAmount = models.DecimalField(max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="平台账户剩余金额")
freezedAmount = models.DecimalField(max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="平台账户冻结金额")
class Meta:
verbose_name = u"平台账户"
verbose_name_plural = verbose_name
def post(self, request):
account = Account.objects.get(userProfile=request.user)
without_amount = int(request.POST.get('moneyAmount'))
#最小提现 <提现金额<最大提现， 提现金额<可提现金额
if request.user.isBindBankInfo() and not request.user.isMoneyWithoutProcess() \
and without_amount <= int(account.usableAmount) \
and BidConst.MIN_WITHDRAW_AMOUNT() <= without_amount <= BidConst.MAX_WITHDRAW_AMOUNT():
form = MoneyWithdrawViewForm(request.POST)
if form.is_valid():
form.save(user_profile=request.user, account=account)
return HttpResponse('{"status":"success", "message":"提现申请成功"}',
content_type='application/json')
return HttpResponse('{"status":"failure", "message":"提现失败"}',
content_type='application/json')
def save_models(self):
#获取保持对象
obj = self.new_obj
obj.save()
if obj is not None:
bid_audit = obj
bid_audit.auditor = self.user.username
bid_audit.audiTime = timezone.now()
user_profile_obj = bid_audit.applier
#如果审核成功
if bid_audit.state == BitStatesUtils.STATE_AUDIT():
#给标添加状态信息
bid_request = bid_audit.bidRequestId
bid_request.bidRequestState = BidConst.GET_BIDREQUEST_STATE_BIDDING()
bid_request.note = bid_audit.remark
#保存模型
bid_request.save()
#给申请用户添加借款标状态
user_profile_obj.addState(BitStatesUtils.GET_OP_HAS_BIDREQUEST_PROCESS())
else:
#审核失败，移出用户招标状态
user_profile_obj.removeState(BitStatesUtils.GET_OP_HAS_BIDREQUEST_PROCESS())
user_profile_obj.save()
bid_audit.save()
def save_models(self):
#获取保持对象
obj = self.new_obj
obj.save()
if obj is not None:
charge_obj = obj
charge_obj.auditor = self.user.username
charge_obj.audiTime = timezone.now()
#如果审核成功
if charge_obj.state == BitStatesUtils.STATE_AUDIT():
#得到申请人的账户对象
user_account = Account.objects.get(userProfile=charge_obj.applier)
#增加账户可用余额
user_account.usableAmount = user_account.usableAmount + charge_obj.amount
user_account.save()
#生成流水
account_flow = AccountFlow.objects.create(accountId=user_account)#添加用户账户
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_RECHARGE_OFFLINE()#充值类型
account_flow.amount = charge_obj.amount #添加变化金额
account_flow.freezedAmount = user_account.freezedAmount #添加冻结金额
account_flow.note = '线下充值成功，充值金额：'+str(charge_obj.amount)
account_flow.tradeTime = timezone.now() #添加时间
account_flow.usableAmount = user_account.usableAmount #添加可用金额
account_flow.save()
charge_obj.save()
def interestChargeFeeFlow(self, psd, interestChargeFee, account):
flow = self.createBaseFlow(account=account)
flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_INTEREST_SHARE()
flow.amount = interestChargeFee
flow.note = "回款成功，还款金额：" + str(
psd.totalAmount) + ",支付利息管理费：" + str(interestChargeFee)
flow.save()
def generateMoneyWithDrawApplyFlow(self, account, money_with_draw):
flow = AccountFlow.objects.create(accountId=account)
flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_WITHDRAW_FREEZED()
flow.usableAmount = account.usableAmount
flow.freezedAmount = account.freezedAmount
flow.amount = money_with_draw.moneyAmount
flow.note = "提现申请,冻结金额:" + str(money_with_draw.moneyAmount)
flow.save()
def bidSuccessFlow(self,bid, account,total_bid_amount):
account_flow = AccountFlow.objects.create(accountId=account)
account_flow.amount = total_bid_amount
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_BID_SUCCESSFUL()
account_flow.usableAmount = account.usableAmount
account_flow.freezedAmount = account.freezedAmount
account_flow.note = "投标" +bid.bidRequestTitle + '成功，取消投标冻结金额:' + str(total_bid_amount)
account_flow.save()
def generateRetureMoneyFlow(self, investor_account,br, available_amount_total):
account_flow = AccountFlow.objects.create(accountId=investor_account)
account_flow.amount = available_amount_total
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_BID_UNFREEZED()
account_flow.usableAmount = investor_account.usableAmount
account_flow.freezedAmount = investor_account.freezedAmount
account_flow.note = "投标" +br.title + '二审失败，退款投标金额：' + str(available_amount_total)
account_flow.save()
def generateBorrowChargeFeeFlow(self, borrow_account, br, manageChargeFee):
account_flow = AccountFlow.objects.create(accountId=borrow_account)
account_flow.amount = br.bidRequestAmount
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_CHARGE()
account_flow.usableAmount = borrow_account.usableAmount
account_flow.freezedAmount = borrow_account.freezedAmount
account_flow.note = "借款" + br.title + '支付手续费成功，扣除金额：' + str(manageChargeFee) # '借款成功，收到借款金额：' + str(all_amount)
account_flow.save()
def generateWithDrawChargeFeeFlow(self,w,account):
account_flow = AccountFlow.objects.create(accountId=account)
account_flow.amount = w.moneyAmount
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_WITHDRAW_MANAGE_CHARGE()
account_flow.usableAmount = account.usableAmount
account_flow.freezedAmount = account.freezedAmount
account_flow.note = '支付提现手续费成功，扣除金额：' + str(w.charge) # '借款成功，收到借款金额：' + str(all_amount)
account_flow.save()
def generateWithDrawSuccessFlow(self,realWithdrawFee,account):
account_flow = AccountFlow.objects.create(accountId=account)
account_flow.amount = realWithdrawFee
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_WITHDRAW_MANAGE_CHARGE()
account_flow.usableAmount = account.usableAmount
account_flow.freezedAmount = account.freezedAmount
account_flow.note = '提现成功，提现金额：' + str(realWithdrawFee) # '借款成功，收到借款金额：' + str(all_amount)
account_flow.save()
def generateBorrowSuccessFlow(self, borrow_account,br):
account_flow = AccountFlow.objects.create(accountId=borrow_account)
account_flow.amount = br.bidRequestAmount
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_BIDREQUEST_SUCCESSFUL()
account_flow.usableAmount = borrow_account.usableAmount
account_flow.freezedAmount = borrow_account.freezedAmount
account_flow.note = "借款" +br.title + '成功，获得金额：' + str(br.bidRequestAmount) # '借款成功，收到借款金额：' + str(all_amount)
account_flow.save()
def calBidInterest(cls, bidRequestAmount, monthes2Return,yearRate, returnType, acturalBidAmount):
cls.cal_set()
acturalBidAmount =Decimal(str(acturalBidAmount))
#// 借款产生的总利息
totalInterest = cls.calTotalInterest(returnType, bidRequestAmount, yearRate, monthes2Return)
#// 所占比例
proportion = acturalBidAmount / bidRequestAmount
bidInterest = totalInterest * proportion
return DecimalFormatUtil.formatBigDecimal(bidInterest, BidConst.STORE_SCALE())
def getavailable_amount_total(self, year, month):
# 统计投资金额
bid_request_query = BidRequest.objects.filter(
Q(bidRequestState=BidConst.GET_BIDREQUEST_STATE_PAYING_BACK())
& Q(applyTime__month=month) & Q(applyTime__year=year))
if bid_request_query.exists():
available_amount_total = bid_request_query.aggregate(
Sum('bidRequestAmount'))
return available_amount_total['bidRequestAmount__sum']
else:
return 0
def save(self, loaner_account, loaner_bid_amount, commit=False):
account_flow = super(AccountFlowForm, self).save(commit=False)
account_flow.accountId = loaner_account
account_flow.amount = loaner_bid_amount
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_BID_SUCCESSFUL(
)
account_flow.usableAmount = loaner_account.usableAmount
account_flow.freezedAmount = loaner_account.freezedAmount
account_flow.note = '投标成功，投标金额：' + str(loaner_bid_amount)
account_flow.save()
return account_flow
def calMonthlyInterest(cls, returnType, bidRequestAmount, yearRate, monthIndex, monthes2Return):
# cls.cal_set()
bidRequestAmount = Decimal(str(bidRequestAmount))
yearRate = Decimal(str(yearRate))
monthlyInterest = Decimal('0.0000')
monthlyRate = cls.getMonthlyRate(yearRate)
if returnType == BidConst.GET_RETURN_TYPE_MONTH_INTEREST_PRINCIPAL(): #按月分期
if monthes2Return == 1: #只借一个月
monthlyInterest = bidRequestAmount * monthlyRate
else:
temp1 = bidRequestAmount * monthlyRate
temp2 = pow(Decimal('1') + monthlyRate, monthes2Return)
temp3 = pow(Decimal('1') + monthlyRate, monthes2Return) - Decimal('1')
temp4 = pow(Decimal('1') + monthlyRate, monthIndex-1)
#计算每月还款
monthToReturnMoney = (temp1 * temp2) / temp3
#算出总还款
totalReturnMoney = monthToReturnMoney * Decimal(str(monthes2Return))
#算出利息
totalInterest = totalReturnMoney - bidRequestAmount
if monthIndex < monthes2Return:
monthlyInterest = ((temp1 - monthToReturnMoney) * temp4)+monthToReturnMoney
elif monthIndex == monthes2Return:
temp6 = Decimal('0.0000')
# 汇总最后一期之前所有利息之和
for i in range(1,monthes2Return):
temp5 = pow(Decimal('1') + monthlyRate, i-1)
monthlyInterest = ((temp1 - monthToReturnMoney) * temp5) + monthToReturnMoney
temp6 = temp6 + monthlyInterest
monthlyInterest = totalInterest - temp6
# for
elif returnType == BidConst.GET_RETURN_TYPE_MONTH_INTEREST(): #按月到期
monthlyInterest = DecimalFormatUtil.amountformat((bidRequestAmount * monthlyRate))
return monthlyInterest
def post(self, request):
x = int(request.POST.get("bidRequestAmount", ""))
y = int(request.POST.get("currentRate", ""))
z = int(request.POST.get("minBidAmount", ""))
account_query = Account.objects.filter(userProfile=request.user)
if account_query.exists():
account_obj = account_query.first()
# 系统最小借款金额 <= 借款金额 <=剩余信用额度, #5<= 利息 <=20, #最小投标金额>=系统最小投标金额
if int(account_obj.getRemainBorrowLimit()) >= int(request.POST.get("bidRequestAmount", "")) >= BidConst.SMALLEST_BID_AMOUNT()\
and BidConst.MAX_CURRENT_RATE() >= int(request.POST.get("currentRate", "")) >= BidConst.SMALLEST_CURRENT_RATE() \
and int(request.POST.get("minBidAmount", "")) >= BidConst.SMALLEST_BID_AMOUNT():
form = BidRequestForm(request.POST)
if form.is_valid():
form.save(request.user)
return render(request, "succeed_bid.html", {'message': '投标成功'})
# 判断是否满足条件
return HttpResponse('{"status":"请求失败"}',
content_type='application/json')
class PaymentSchedule(models.Model):
RETURN_TYPE_CHOICE = ((0, "按月分期还款"), (1, "按月到期还款"))
STATE_CHOICE = ((0, "正常待还"), (1, "已还"), (2, "逾期"))
BID_REQUEST_TYPE_CHOICE = ((0, "普通信用标"), (1, "普通信用标"))
bidRequestId = models.ForeignKey(BidRequest,
related_name='PaymentSchedules',
null=True,
verbose_name=u"借款标",
on_delete=models.CASCADE) #; // 对应借款
bidRequestTitle = models.CharField(max_length=50,
blank=True,
null=True,
verbose_name="借款名称") # // 借款名称
borrower = models.ForeignKey(Borrower,
verbose_name=u"还款人",
null=True,
related_name='PaymentSchedules',
on_delete=models.CASCADE) #; // 还款人
deadLine = models.DateTimeField(null=True,
verbose_name=u"本期还款截止期限") # // 本期还款截止期限
payDate = models.DateTimeField(null=True, verbose_name=u"还款时间") # // 还款时间
totalAmount = models.DecimalField(
max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="本期还款总金额") #// // 本期还款总金额，利息 + 本金
principal = models.DecimalField(max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="本期还款本金") #// 本期还款本金
interest = models.DecimalField(max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="本期还款总利息") # // 本期还款总利息
monthIndex = models.IntegerField(null=True, blank=True,
verbose_name="第几期") #// 第几期(即第几个月)
state = BidConst.PAYMENT_STATE_NORMAL = models.IntegerField(
null=True,
blank=True,
default=BidConst.GET_PAYMENT_STATE_NORMAL(),
choices=STATE_CHOICE,
verbose_name="本期还款状态") # // 本期还款状态（默认正常待还）
bidRequestType = models.IntegerField(null=True,
blank=True,
choices=BID_REQUEST_TYPE_CHOICE,
verbose_name="借款类型(信用标)") #// 借款类型
returnType = models.IntegerField(
null=True, blank=True, choices=RETURN_TYPE_CHOICE,
verbose_name="还款方式") #// 还款方式，等同借款(BidRequest)
class Meta:
verbose_name = u"还款计划"
verbose_name_plural = verbose_name
def calMonthToReturnMoney(cls, returnType, bidRequestAmount, yearRate, monthIndex, monthes2Return):
# cls.cal_set()
bidRequestAmount = Decimal(str(bidRequestAmount))
yearRate = Decimal(str(yearRate))
monthToReturnMoney = Decimal('0.0000')
monthlyRate = cls.getMonthlyRate(yearRate)
if returnType == BidConst.GET_RETURN_TYPE_MONTH_INTEREST_PRINCIPAL():#按月分期
if monthes2Return == 1: # 只借一个月
monthlyInterest = bidRequestAmount + (bidRequestAmount * monthlyRate)
else:
temp1 = bidRequestAmount * monthlyRate
temp2 = pow(Decimal('1') + monthlyRate, monthes2Return)
temp3 = pow(Decimal('1') + monthlyRate, monthes2Return) - Decimal('1')
#计算每月还款
monthToReturnMoney = (temp1 * temp2) / temp3
elif returnType == BidConst.GET_RETURN_TYPE_MONTH_INTEREST(): #按月到期
monthlyInterest = bidRequestAmount * monthlyRate
if monthIndex == monthes2Return:
monthToReturnMoney = bidRequestAmount + monthlyInterest
elif monthIndex < monthes2Return:
monthToReturnMoney = monthlyInterest
return DecimalFormatUtil.formatBigDecimal(monthToReturnMoney,BidConst.STORE_SCALE())
def generateChargeWithdrawFeeFlow(self,w):
# // 1, 得到当前系统账户;
system_account = SystemAccount.objects.first()
system_account.usableAmount = system_account.usableAmount + CalculatetUtil.calAccountManagementCharge(w.charge)
system_account.save()
# //生成系统流水
account_flow = SystemAccountFlow.objects.create(systemAccountId=system_account)
account_flow.amount = w.moneyAmount
account_flow.tradeTime = timezone.now()
account_flow.accountType = BidConst.GET_ACCOUNT_ACTIONTYPE_WITHDRAW_MANAGE_CHARGE()
account_flow.usableAmount = system_account.usableAmount
account_flow.freezedAmount = system_account.freezedAmount
account_flow.note = '提现手续费充值成功，增加金额：' + str(w.charge) # '借款成功，收到借款金额：' + str(all_amount)
account_flow.save()
def systemReceiveChargeFeeFromBorrow(self,br,manage_charge_fee):
# // 1, 得到当前系统账户;
system_account = SystemAccount.objects.first()
# // 2, 修改账户余额;
system_account.usableAmount = system_account.usableAmount +manage_charge_fee
system_account.save()
# // 3, 生成收款流水
flow = SystemAccountFlow.objects.create(systemAccountId=system_account)
flow.accountActionType = BidConst.GET_SYSTEM_ACCOUNT_ACTIONTYPE_MANAGE_CHARGE()
flow.amount = manage_charge_fee
flow.usableAmount = system_account.usableAmount
flow.freezedAmount = system_account.freezedAmount
flow.note = "借款" +br.title + '成功，收取手续费：' + str(manage_charge_fee)
flow.save()
class RechargeOffline(BaseAudit):
bankInfo = models.ForeignKey(PlatformBankInfo,
verbose_name=u"平台账户",
on_delete=models.CASCADE)
tradeCode = models.CharField(max_length=50,
blank=True,
null=True,
verbose_name="交易号") #// 交易号
amount = models.DecimalField(max_digits=18,
decimal_places=BidConst.STORE_SCALE(),
default=BidConst.ZERO(),
verbose_name="充值金额") #// 充值金额
tradeTime = models.DateTimeField(blank=True,
null=True,
verbose_name=u"充值时间") #// 充值时间
note = models.TextField(max_length=40,
null=True,
blank=True,
verbose_name='充值说明') # // 充值说明
class Meta:
verbose_name = u"充值审核"
verbose_name_plural = verbose_name
def chargeInterestFeeForSystem(self, psd, interestChargeFee):
# // 1, 得到当前系统账户;
systemAccount = SystemAccount.objects.first()
# // 2, 修改账户余额;
systemAccount.usableAmount = systemAccount.usableAmount + interestChargeFee
# // 3, 生成收款流水
flow = SystemAccountFlow.objects.create(systemAccountId=systemAccount)
flow.accountActionType = BidConst.GET_SYSTEM_ACCOUNT_ACTIONTYPE_INTREST_MANAGE_CHARGE(
)
flow.amount = interestChargeFee
flow.usableAmount = systemAccount.usableAmount
flow.createdTime = timezone.now()
flow.freezedAmount = systemAccount.freezedAmount
flow.note = "用户收款" + str(
psd.totalAmount) + "成功,收取利息管理费:" + str(interestChargeFee)
flow.save()
