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 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()
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 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 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 formate_decimal_show(value):
return DecimalFormatUtil.formatBigDecimal(value, BidConst.DISPLAY_SCALE())
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():
# // 1, 对借款要做什么事情?
# // ** 1.1
# 修改借款状态(还款中)
bid_request.bidRequestState = BidConst.GET_BIDREQUEST_STATE_PAYING_BACK() #还款状态
bid_request.note = bid_audit.remark
#添加满标二审历史
self.createBrAuditHistory(bid_request)
# // 2, 对借款人要做什么事情?
# // ** 2.1
# 借款人收款操作
borrow_account = Account.objects.get(userProfile=bid_request.createUser.userProfile)
# // ** *2.1.1 账户余额增加,
borrow_account.usableAmount = borrow_account.usableAmount + bid_request.bidRequestAmount
# // ** *2.1.2生成收款流水;
self.generateBorrowSuccessFlow(borrow_account=borrow_account,br=bid_request)
# // ** *2.1.3修改待还本息;
borrow_account.unReturnAmount = borrow_account.unReturnAmount + bid_request.bidRequestAmount + bid_request.totalRewardAmount
# // ** *2.1.4修改可用信用额度;
borrow_account.remainBorrowLimit = borrow_account.remainBorrowLimit - bid_request.bidRequestAmount
# // ** 2.2移除借款人借款进行中状态码;
bid_request.createUser.userProfile.removeState(BitStatesUtils.GET_OP_HAS_BIDREQUEST_PROCESS())
bid_request.createUser.userProfile.save()
# // ** 2.3支付借款手续费计算
manage_charge_fee = CalculatetUtil.calAccountManagementCharge(bid_request.bidRequestAmount)
# // ** *2.3.1可用余额减少
borrow_account.usableAmount = borrow_account.usableAmount - manage_charge_fee
borrow_account.save()
# // ** *2.3.2生成支付借款手续费流水;
self.generateBorrowChargeFeeFlow(borrow_account=borrow_account,br=bid_request,manageChargeFee=manage_charge_fee)
# // ** *2.3.3平台收取借款手续费;
self.systemReceiveChargeFeeFromBorrow(br=bid_request,manage_charge_fee=manage_charge_fee)
# // 3, 对投资人要做什么事情?
# // ** 3.1遍历投标;
bids = bid_request.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, 用于最后一个投标的用户的利息计算
totalBidInterest = Decimal('0')
for idx, bid_user_id in enumerate(bid_user_ids):
#获取投资人
bids_temp_query = bid_request.bids.filter(bidUser_id=bid_user_id)
# 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'))
# 获取投资人账户
investor_account = Account.objects.get(userProfile=bids_temp_query.first().bidUser.userProfile)
# 冻结余额减少
investor_account.freezedAmount = investor_account.freezedAmount - available_amount_total['availableAmount__sum']
# // ** 3.3生成成功投标流水
self.bidSuccessFlow(bid=bids_temp_query.first(),account=investor_account, total_bid_amount=available_amount_total['availableAmount__sum'])
# // ** 3.4计算待收利息和待收本金
# // ** 3.4.1待收本金
investor_account.unReceivePrincipal = investor_account.unReceivePrincipal + available_amount_total['availableAmount__sum']
#临时利息变量
bidInterest = Decimal('0')
# // ** 3.4.2待收利息
# // 待收利息 = 投标金额 / 借款总金额 * 借款总回报利息
# // 如果当前投标是整个投标列表中的最后一个投标;这个投标的利息 = 借款总回报利息 - 累加的投标利息
if idx == len(bid_user_ids) - 1:
#计算最后投标人的利息
bidInterest = bid_request.totalRewardAmount - totalBidInterest
else:
bidInterest = (available_amount_total['availableAmount__sum'] / bid_request.bidRequestAmount) * bid_request.totalRewardAmount
bidInterest = DecimalFormatUtil.formatBigDecimal(bidInterest, BidConst.STORE_SCALE())
#累加总的利息 用于最后利息的计算
totalBidInterest = totalBidInterest + bidInterest
investor_account.unReceiveInterest = investor_account.unReceiveInterest + bidInterest
investor_account.save()
# // 4, 思考满标二审之后的流程(还款)对满标二审有什么影响
# // ** 4生成还款对象和回款对象
self.createPaymentSchedules(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)
# 审核失败，移出用户招标状态
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()
def getRemainAmount(self):
return DecimalFormatUtil.formatBigDecimal(
self.bidRequestAmount - self.currentSum, BidConst.DISPLAY_SCALE())
def calAccountManagementCharge(cls,bidRequestAmount):
bidRequestAmount = Decimal(str(bidRequestAmount))
accountManagementCharge = DecimalFormatUtil.formatBigDecimal(bidRequestAmount * cls.__ACCOUNT_MANAGER_CHARGE_RATE, BidConst.STORE_SCALE())
return accountManagementCharge
def calInterestManagerCharge(cls, interest):
interest =Decimal(str(interest))
return DecimalFormatUtil.formatBigDecimal(interest * cls.__INTEREST_MANAGER_CHARGE_RATE, BidConst.STORE_SCALE())