def amortize(self, amortization, savepoint=True):
with transaction.atomic(savepoint=savepoint):
if amortization.settled:
raise P2PException('amortization %s already settled.' %
amortization)
sub_amortizations = amortization.subs.all()
description = unicode(amortization)
catalog = u'分期还款'
product = amortization.product
matches = re.search(u'日计息', product.pay_method)
if matches and matches.group():
pname = u"%s,期限%s天" % (product.name, product.period)
else:
pname = u"%s,期限%s个月" % (product.name, product.period)
phone_list = list()
message_list = list()
settled_sub_amos = list()
for sub_amo in sub_amortizations:
user_margin_keeper = MarginKeeper(sub_amo.user)
user_margin_keeper.amortize(sub_amo.principal,
sub_amo.interest,
sub_amo.penal_interest,
sub_amo.coupon_interest,
savepoint=False,
description=description)
sub_amo.settled = True
sub_amo.settlement_time = timezone.now()
sub_amo.save()
amo_amount = sub_amo.principal + sub_amo.interest + sub_amo.penal_interest + sub_amo.coupon_interest
# 加入重复回款的用户还需要扣回的金额及扣款操作
try:
repeat_user = RepeatPaymentUser.objects.select_for_update()\
.filter(user_id=sub_amo.user.id, amount__gt=0).first()
if repeat_user:
repeat_amount = repeat_user.amount
# if repeat_amount > 0:
# 判断是否每天从回款中扣款
is_every_day = True
if not repeat_user.is_every_day:
product_ids = repeat_user.product_ids.split(',')
product_ids = [
int(p_id) for p_id in product_ids
if p_id.strip() != ''
]
# 判断当期还款的产品id是否在用户新购标的id中, 不在说明该标不用扣款
if product.id not in product_ids:
is_every_day = False
if is_every_day:
# 判断剩余应扣金额是否大于等于本期回款本息之合, 大于等于,则扣本息,否则扣剩余应扣金额
if repeat_amount >= amo_amount:
reduce_amount = amo_amount
reduce_amount_current = repeat_amount - amo_amount # 剩余应扣金额-本次扣除的本息之合
else:
reduce_amount = repeat_amount
reduce_amount_current = 0
print(
"repeat_amount: %s, amo_amount: %s, type1:%s, type2:%s"
% (repeat_amount, amo_amount,
type(repeat_amount), type(amo_amount)))
# 减账户余额
user_margin_keeper.reduce_margin(
reduce_amount, u'系统重复回款扣回%s元' % reduce_amount)
# 更新剩余应扣金额
repeat_user.amount = reduce_amount_current
repeat_user.save()
# 记录扣款流水
repeat_record = RepeatPaymentUserRecords(
user_id=sub_amo.user.id,
name=sub_amo.user.wanglibaouserprofile.name,
phone=sub_amo.user.wanglibaouserprofile.phone,
amount=reduce_amount,
amount_current=reduce_amount_current,
description=description)
repeat_record.save()
except Exception:
logger.exception('err')
logger.error("用户扣款失败,用户id:[%s], 回款本息合计:[%s]" %
(sub_amo.user, amo_amount))
pass
try:
phone_list.append(sub_amo.user.wanglibaouserprofile.phone)
message_list.append(
messages.product_amortize(
sub_amo.user.wanglibaouserprofile.name,
amortization.product,
# sub_amo.settlement_time,
amo_amount))
title, content = messages.msg_bid_amortize(
pname, timezone.now(), amo_amount)
inside_message.send_one.apply_async(
kwargs={
"user_id": sub_amo.user.id,
"title": title,
"content": content,
"mtype": "amortize"
})
except:
logger.debug("")
self.__tracer(catalog, sub_amo.user, sub_amo.principal,
sub_amo.interest, sub_amo.penal_interest,
amortization, description,
sub_amo.coupon_interest)
# 标的每一期还款完成后,检测该用户还款的本金是否有符合活动的规则,有的话触发活动规则
try:
if sub_amo.principal > 0:
# activity_backends.check_activity(sub_amo.user, 'repaid', 'pc', sub_amo.principal, product.id)
check_activity_task.apply_async(kwargs={
"user_id":
sub_amo.user.id,
"trigger_node":
'repaid',
"device_type":
'pc',
"amount":
sub_amo.principal,
"product_id":
product.id,
},
queue='celery02')
except Exception:
logger.debug(
"check activity on repaid, user: {}, principal: {}, product_id: {}"
.format(sub_amo.user.id, sub_amo.principal,
product.id))
try:
weixin_user = WeixinUser.objects.filter(
user=sub_amo.user).first()
if weixin_user and weixin_user.subscribe:
now = datetime.now().strftime('%Y年%m月%d日 %H:%M:%S')
sentTemplate.apply_async(kwargs={
"kwargs":
json.dumps({
"openid": weixin_user.openid,
"template_id":
PRODUCT_AMORTIZATION_TEMPLATE_ID,
"keyword1": product.name,
"keyword2": "%s 元" % str(amo_amount),
"keyword3": now,
})
},
queue='celery02')
except Exception, e:
logger.debug(
">>>> weixin msg send err, user_id:[%s], [%s] " %
sub_amo.user.id, e)
pass
# 添加还款用户到渠道通知列表 @chenwb
try:
settled_sub_amos.append({
'id':
sub_amo.id,
'user':
sub_amo.user.id,
'product':
product.id,
'term':
sub_amo.term,
'settled':
sub_amo.settled,
'term_date':
sub_amo.term_date.strftime('%Y-%m-%d %H:%M:%S'),
'settlement_time':
sub_amo.settlement_time.strftime('%Y-%m-%d %H:%M:%S'),
'principal':
float(sub_amo.principal),
'interest':
float(sub_amo.interest),
'penal_interest':
float(sub_amo.penal_interest),
'coupon_interest':
float(sub_amo.coupon_interest),
'description':
sub_amo.description,
})
except:
pass
amortization.settled = True
amortization.save()
catalog = u'还款入账'
send_messages.apply_async(kwargs={
"phones": phone_list,
"messages": message_list
})
self.__tracer(catalog, None, amortization.principal,
amortization.interest, amortization.penal_interest,
amortization)
# 向渠道中心发送还款用户列表通知 @chenwb
# Comment by hb on 2016-05-13
try:
if settled_sub_amos:
from .tasks import coop_amortizations_push
coop_amortizations_push.apply_async(kwargs={
'amortizations': settled_sub_amos,
'product_id': product.id,
'amo_act': 'amortize'
},
queue='celery02')
except:
pass
def prepayment(self, penal_interest, repayment_type, payment_date, savepoint=True):
"""
#1. 拿到当期未还款计划
#1.11 如果是按期提前还款
#1.12 利息 = 当期利息
#1.21 如果是按日提前还款
#1.22 利息 = 年利率/360*计息天数*本金
#2. 拿到此标的年华收益
#3. 计算日收益
#4. 计算当期未计息天数
"""
pname = ''
amortization_records_tmp = list()
phone_list = list()
message_list = list()
with transaction.atomic(savepoint=savepoint):
amortization = ProductAmortization.objects.select_for_update().get(id=self.amortization.id)
if amortization.settled:
raise PrepaymentException()
# 1.生成产品提前还款记录
# amortization = self.amortization
product_record = self.get_product_repayment(penal_interest, repayment_type, payment_date)
order_id = OrderHelper.place_order(None, order_type=self.catalog, product_id=self.product.id, status=u'新建').id
product_record.order_id = order_id
amortization_records = list()
# 用户还款计划
user_amortizations = amortization.subs.all().select_related('user__wanglibaouserprofile')
product = amortization.product
import re
matches = re.search(u'日计息', product.pay_method)
if matches and matches.group():
pname = u"%s,期限%s天" % (product.name, product.period)
else:
pname = u"%s,期限%s个月" % (product.name, product.period)
for user_amortization in user_amortizations:
logger.error("提前还款用户: [%s], [%s]" % (user_amortization.user.id, user_amortization.user.wanglibaouserprofile.phone))
# 计算最终计算提前还款的本金, 利息, 罚息, 加息
user_record = self.get_user_repayment(user_amortization, penal_interest, repayment_type, payment_date)
logger.error("新的本金: [%s], 利息:[%s], 加息:[%s], repayment_type:[%s], payment_date:[%s]" % (
user_record.principal, user_record.interest, user_record.coupon_interest, repayment_type, payment_date))
user_margin_keeper = MarginKeeper(user_record.user)
# 提前还款需要将加息金额还给用户(重新计算后的该用户所用加息券的加息金额)
user_margin_keeper.amortize(user_record.principal, user_record.interest, user_record.penal_interest,
user_record.coupon_interest, savepoint=False, description=self.description)
order_id = OrderHelper.place_order(user_record.user, order_type=self.catalog, product_id=self.product.id, status=u'新建').id
user_record.order_id = order_id
user_record.amortization = amortization
amortization_records.append(user_record)
amortization_records_tmp.append(user_record) # 发消息临时list变量(不包含product_record)
logger.error("order_id: %s" % order_id)
amortization_records.append(product_record)
AmortizationRecord.objects.bulk_create(amortization_records)
ProductAmortization.objects.filter(product=self.product, settled=False)\
.update(settled=True, settlement_time=timezone.now())
UserAmortization.objects.filter(product_amortization__product=self.product, settled=False)\
.update(settled=True, settlement_time=timezone.now())
ProductKeeper(self.product).finish(None)
# 将提前还款的消息发送放到事务外边
for user_record in amortization_records_tmp:
try:
# 提前还款短信
# 提前还款金额 = 本金 + 利息 + 罚息 + 加息
amo_amount = user_record.principal + user_record.interest + \
user_record.penal_interest + user_record.coupon_interest
user = user_record.user
user_profile = user.wanglibaouserprofile
phone_list.append(user_profile.phone)
message_list.append(messages.product_prepayment(user_profile.name,
amortization.product,
amo_amount))
# 标的每一期还款完成后,检测该用户还款的本金是否有符合活动的规则,有的话触发活动规则
try:
if user_record.principal > 0:
# activity_backends.check_activity(user, 'repaid', 'pc', user_record.principal, product.id)
check_activity_task.apply_async(kwargs={
"user_id": user.id,
"trigger_node": 'repaid',
"device_type": 'pc',
"amount": user_record.principal,
"product_id": product.id
}, queue='celery02')
except Exception:
logger.exception("==提前还款==活动检测==")
logger.debug("提前还款, user: {}, principal: {}, product_id: {}".format(
user, user_record.principal, product.id
))
try:
# 提前还款站内信
title, content = messages.msg_bid_prepayment(pname, timezone.now(), amo_amount)
inside_message.send_one.apply_async(kwargs={
"user_id": user.id,
"title": title,
"content": content,
"mtype": "amortize"
})
except Exception, e:
logger.exception("==提前还款==站内信==")
logger.debug(("user:%s====提前还款==站内信==" % user.id) + traceback.format_exc())
try:
weixin_user = WeixinUser.objects.filter(user=user).first()
if weixin_user and weixin_user.subscribe:
now = datetime.now().strftime('%Y年%m月%d日 %H:%M:%S')
sentTemplate.apply_async(kwargs={
"kwargs": json.dumps({
"openid": weixin_user.openid,
"template_id": PRODUCT_AMORTIZATION_TEMPLATE_ID,
"keyword1": product.name,
"keyword2": "%s 元" % str(amo_amount),
"keyword3": now,
})
}, queue='celery02')
except Exception, e:
logger.exception("==提前还款==微信模板==")
logger.debug(("user:%s====提前还款==微信模板==" % user.id) + traceback.format_exc())