FinanceIndex.java
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package com.lhcredit.project.business.calculateRatings;
import com.alibaba.fastjson.JSONArray;
import com.alibaba.fastjson.JSONObject;
import com.lhcredit.common.utils.CalcuScore.CalcuParam;
import com.lhcredit.common.utils.DateUtils;
import com.lhcredit.common.utils.StringUtils;
import com.lhcredit.common.utils.spring.SpringUtils;
import com.lhcredit.project.business.creditGrantingInfo.domain.CreditGrantingInfo;
import com.lhcredit.project.business.financeInfo.domain.FinanceInfo;
import com.lhcredit.project.business.scorecardScoreDetailed.domain.ScorecardScoreDetailed;
import com.lhcredit.project.business.scorecardScoreDetailed.service.IScorecardScoreDetailedService;
import com.lhcredit.project.business.scorecardScoreDetailed.service.ScorecardScoreDetailedServiceImpl;
import lombok.AllArgsConstructor;
import lombok.Data;
import lombok.NoArgsConstructor;
import java.math.BigDecimal;
import java.util.*;
import java.util.stream.Collectors;
@Data
@NoArgsConstructor
public class FinanceIndex {
private FinanceInfo cur;
private FinanceInfo last;
private FinanceInfo llast;
private List<ScorecardScoreDetailed> scoreDetaileds;
protected String companyType;
protected String size;
private static final Double[] industry_average=new Double[]{6.7,8.0,12.9,4.3};
public static FinanceIndex of(FinanceInfo cur,FinanceInfo last,FinanceInfo llast){
FinanceIndex financeInfo = new FinanceIndex();
financeInfo.setCur(cur);
financeInfo.setLast(last);
financeInfo.setLlast(llast);
return financeInfo;
}
public static Double getCompanyEstablishYear(Date date) {
long datePoor = getDatePoor(date, new Date());
Double yearNum=Math.abs(datePoor/365D);;
return yearNum;
}
public static long getDatePoor(Date endDate, Date nowDate) {
long nd = 1000 * 24 * 60 * 60;
long nh = 1000 * 60 * 60;
long nm = 1000 * 60;
// long ns = 1000;
// 获得两个时间的毫秒时间差异
long diff = endDate.getTime() - nowDate.getTime();
// 计算差多少天
long day = diff / nd;
return day;
}
//根据营业总收入收入获取 企业规模
public String getCompanyScale(String type) {
IScorecardScoreDetailedService bean = SpringUtils.getBean(IScorecardScoreDetailedService.class);
scoreDetaileds=bean.selectScorecardScoreDetailedList(ScorecardScoreDetailed.builder().tempType(type).build());
BigDecimal bigDecimal = new BigDecimal("40000");
BigDecimal operRev = cur.getOperRev();
String sizeStr=null;
if (operRev.doubleValue()>=bigDecimal.doubleValue()){
//>=4亿元
sizeStr= "大型";
}else if(operRev.doubleValue()>=2000&&operRev.doubleValue()<bigDecimal.doubleValue()){
sizeStr= "中型";
}else{
sizeStr= "小型";
}
this.size=sizeStr;
return sizeStr;
}
//销售增长率
/**
销售增长率=（第n年营业总收入-第n-1年营业总收入）÷第n-1年营业总收入。若第n-1年营业总收入为0或空缺，则根据《企业绩效评价标准值（第n年）》（以下简称《绩效评价》），将销售增长率定为批发和零售行业销售（营业）增长率的平均值，根据企业规模划分的大、中、小型对应选取批发和零售行业大、中、小型的指标。
*/
public Double idx_xszzl() {
Double bl=null;
if ("大型".equals(size)) {bl=industry_average[1];}
else {
bl=industry_average[2];
}
//上一年缺失
if (null==last||null==last.getOperRev()){
return bl;
}
//((cur-last)/last)*100
double v = ((cur.getOperRev().subtract(last.getOperRev())).divide(last.getOperRev(), 4, BigDecimal.ROUND_HALF_UP)).multiply(new BigDecimal("100")).doubleValue();
if (v>=bl){return bl;}
if (v>0&&v<bl){return v;}
if (v<=0){return 0D;}
return null;
}
/**
根据总资产周转率和《绩效评价》中总资产周转率和流动资产周转率指标对流动资产周转率进行估算。总资产周转率=第n年销售总收入×2÷（第n年资产总额+第n-1年资产总额）。若第n-1年资产总额=0，则总资产周转率=第n年销售总收入÷第n年资产总额
*/
public Double idx_ldzczzl() {
Double val=null;
if (null==last||numIsNullAndZero(last.getTotAssets())){
val=cur.getOperRev().divide(cur.getTotAssets(),4,BigDecimal.ROUND_HALF_UP).doubleValue();
return val;
}
//a*2/(b+c)
val = cur.getOperRev().multiply(new BigDecimal(2)).divide((cur.getTotAssets().add(last.getTotAssets())), 4, BigDecimal.ROUND_HALF_UP).doubleValue();
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("流动资产周转率")&&f.getRemark().equals(size)).collect(Collectors.toList());
Double object = new ScoreCardUtils.Calculation().calculation_scoring(val, sclist);
return object;
}
public boolean numIsNullAndZero(Object o){
if (null==o){return true;}
if (o instanceof BigDecimal){
return ((BigDecimal) o).doubleValue()==0;
}
return Double.valueOf(o.toString())==0;
}
//存货
public Double idx_ch() {
Double val=null;
if (null==last||numIsNullAndZero(last.getTotAssets())){
val=cur.getOperRev().divide(cur.getTotAssets(),4,BigDecimal.ROUND_HALF_UP).doubleValue();
return val;
}
//a*2/(b+c)
val = cur.getOperRev().multiply(new BigDecimal(2)).divide((cur.getTotAssets().add(last.getTotAssets())), 4, BigDecimal.ROUND_HALF_UP).doubleValue();
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("存货周转率")&&f.getRemark().equals(size)).collect(Collectors.toList());
Double object = new ScoreCardUtils.Calculation().calculation_scoring(val, sclist);
return object;
}
//速冻比率
public Double idx_sdbl() {
Double val = idx_zcfzl();
//todo 调用计算执行
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("速动比率")&&f.getRemark().equals(size)).collect(Collectors.toList());
Double object = new ScoreCardUtils.Calculation().calculation_scoring(val, sclist);
return object;
}
public Double idx_zcfzl(){
Double val=cur.getTotLiab().divide(cur.getTotAssets(),4,BigDecimal.ROUND_HALF_UP).multiply(new BigDecimal("100")).doubleValue();
return val;
}
public Double idx_jbtzxs(String lv) {
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("级别调整系数")).collect(Collectors.toList());
Double object = new ScoreCardUtils.Calculation().calculation_scoring(lv, sclist);
return object;
}
//资产负债率调整系数
public Double idx_zcfzltzxs() {
if (numIsNullAndZero(cur.getTotAssets())){
return 54.1D;
}
Double val=cur.getTotLiab().divide(cur.getTotAssets(),4,BigDecimal.ROUND_HALF_UP).multiply(new BigDecimal("100")).doubleValue();
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("资产负债率调整系数")).collect(Collectors.toList());
Double object = new ScoreCardUtils.Calculation().calculation_scoring(val, sclist);
return object;
}
public Double calculation_indicators(Object val,String name,String size){
List<ScorecardScoreDetailed> sclist = null;
if (StringUtils.isEmpty(size)){
sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals(name)).collect(Collectors.toList());
}else{
sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals(name)&&f.getRemark().equals(size)).collect(Collectors.toList());
}
Double object = new ScoreCardUtils.Calculation().calculation_scoring(val, sclist);
return object;
}
public Double idx_dyw(CreditGrantingInfo creditGrantingInfo) {
Double dyw=0D;
if(StringUtils.isNotEmpty(creditGrantingInfo.getCollateralList())){
JSONArray array = JSONArray.parseArray(creditGrantingInfo.getCollateralList().toString());
array= Optional.ofNullable(array).orElse(new JSONArray());
for (int i = 0; i < array.size(); i++) {
JSONObject dywObj = array.getJSONObject(i);
//抵押物评估价值*折扣率+保证额*30%
Double dy=dywObj.getDouble("assessValue")*dywObj.getDouble("discountRate");
if (null==dyw)dyw=0D;
dyw=dyw+dy;
}
}
return dyw;
}
public Double idx_dbe(CreditGrantingInfo creditGrantingInfo) {
Double dbe=0D;
if(StringUtils.isNotEmpty(creditGrantingInfo.getGuaranteeContract())){
JSONArray array = Optional.ofNullable(JSONArray.parseArray(creditGrantingInfo.getGuaranteeContract().toString())).orElse(new JSONArray());
// array=Optional.ofNullable(array).orElse(new JSONArray()).stream().map(m -> ((JSONObject) m).getDouble("money") * (30 / 100.0)).collect(Collectors.summingDouble(d -> d));
for (int i = 0; i < array.size(); i++) {
JSONObject dywObj = array.getJSONObject(i);
//抵押物评估价值*折扣率+保证额*30%
Double db=dywObj.getDouble("money")*(30/100.0);
if (null==dbe)dbe=0D;
dbe=dbe+db;
}
}
return dbe;
}
public Double idx_sstzxs(String basicInfo) {
JSONObject jsonObject = JSONObject.parseObject(basicInfo);
String bondNum = jsonObject.getString("bondNum");
String key="";
if (StringUtils.isEmpty(bondNum)){
key ="未上市";
}else if (StringUtils.startsWith(bondNum, "60")&&bondNum.length()==6||
(StringUtils.startsWith(bondNum, "0")&&bondNum.length()==6&&!StringUtils.startsWith(bondNum, "002"))||
StringUtils.startsWith(bondNum, "900")&&bondNum.length()==6||
StringUtils.startsWith(bondNum, "2")&&bondNum.length()==5||
StringUtils.startsWith(bondNum, "9")&&bondNum.length()==5
){
key="中小板上市";
} else if (StringUtils.startsWith(bondNum, "3")&&bondNum.length()==6) {
key="创业板/境外上市";
}else if (StringUtils.startsWith(bondNum, "43")&&bondNum.length()==6||
StringUtils.startsWith(bondNum, "83")&&bondNum.length()==6||
StringUtils.startsWith(bondNum, "87")&&bondNum.length()==6||
StringUtils.startsWith(bondNum, "88")&&bondNum.length()==6
) {
key="新三板上市";
}else if (StringUtils.startsWith(bondNum, "68")&&bondNum.length()==6){
key="科创板上市";
}else {
key="创业板/境外上市";//境外
}
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("上市调整系数")).collect(Collectors.toList());
Double object = new ScoreCardUtils.Calculation().calculation_scoring(key, sclist);
return object;
}
public static void main(String[] args) {
System.out.println(StringUtils.startsWith("6002165", "21"));
}
}