UniversalModelUtils.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.DataHandleUtils;
import com.lhcredit.common.utils.DataHandleUtils2;
import com.lhcredit.common.utils.DateUtils;
import com.lhcredit.common.utils.StringUtils;
import com.lhcredit.common.utils.http.HttpUtils;
import com.lhcredit.common.utils.spring.SpringUtils;
import com.lhcredit.project.business.BasicInformation.service.BasicInformationService;
import com.lhcredit.project.business.TianYC.entity.param.RequestParams;
import com.lhcredit.project.business.creditGrantingInfo.domain.CGModelParamsLog;
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.universalEvaluationMode.domain.UniversalEvaluationMode;
import com.lhcredit.project.business.universalEvaluationMode.service.UniversalEvaluationModeServiceImpl;
import lombok.Data;
import org.apache.commons.compress.utils.Lists;
import org.springframework.stereotype.Component;
import java.math.BigDecimal;
import java.text.SimpleDateFormat;
import java.util.*;
import java.util.stream.Collectors;
import static com.lhcredit.common.utils.JsonPathUtils.jsonPathString;
@Data
@Component
public class UniversalModelUtils {
private FinanceInfo cur;
private FinanceInfo last;
private FinanceInfo llast;
private JSONObject basicInfo;
private String ename;
private List<ScorecardScoreDetailed> scoreDetaileds;
private static JSONObject exchangeRate= new JSONObject();
private Integer financeYear;
public static UniversalModelUtils of(String ename ,FinanceInfo cur,FinanceInfo last,FinanceInfo llast,JSONObject basicInfo) {
UniversalModelUtils universalModelUtils = new UniversalModelUtils();
universalModelUtils.setEname(ename);
universalModelUtils.setCur(cur);
universalModelUtils.setLast(last);
universalModelUtils.setLlast(llast);
BasicInformationService bean = SpringUtils.getBean(BasicInformationService.class);
RequestParams requestParams = new RequestParams();
requestParams.setName(ename);
JSONObject jsonObject = bean.baseinfo2(requestParams);
universalModelUtils.setBasicInfo(jsonObject.getJSONObject("data"));
IScorecardScoreDetailedService bean2 = SpringUtils.getBean(IScorecardScoreDetailedService.class);
List<ScorecardScoreDetailed> val4 = bean2.selectScorecardScoreDetailedList(ScorecardScoreDetailed.builder().tempType("通用评分模型").build());
universalModelUtils.setScoreDetaileds(val4);
return universalModelUtils;
}
public JSONObject computationalModel(CreditGrantingInfo creditGrantingInfo){
// CGModelParamsLog.h1("通用评分模型");
financeYear=null!=llast?3:null!=last?2:(null!=cur?1:0);
// CGModelParamsLog.idx("财务年份",financeYear,null);
//定义收取的结果list
List<UniversalEvaluationMode> modeList = Lists.newArrayList();
// Key1 注册资本
UniversalEvaluationMode mode1 = functionKey1(modeList, creditGrantingInfo);
// Key2 资产规模
UniversalEvaluationMode mode2 = functionKey2(modeList, creditGrantingInfo);
// Key3 销售规模
UniversalEvaluationMode mode3 = functionKey3(modeList, creditGrantingInfo);
// Key4 关联企业数量
int value=DataHandleUtils.getGlqy(ename);
UniversalEvaluationMode mode4 = calculation_indicators(value, "关联企业数量","key4", modeList, creditGrantingInfo);
// Key5 经营时长
Double estiblishTime=FinanceIndex.getCompanyEstablishYear(basicInfo.getDate("startDate"));
UniversalEvaluationMode mode5 = functionKey5(estiblishTime, modeList, creditGrantingInfo);
// Key6 企业性质
UniversalEvaluationMode mode6 = functionKey6(modeList, creditGrantingInfo);
// Key7 企业类型
UniversalEvaluationMode mode7 = calculation_indicators(value>=5?"集团型企业":"单一企业", "企业类型","key7", modeList,creditGrantingInfo);
// Key8 高管从业经验 （暂时无法计算 ，故先写死）
Double Key8=(100D * 4.59)/100;
UniversalEvaluationMode mode8 = new UniversalEvaluationMode();
mode8.setScore(Key8.toString());
mode8.setKey("key8");
mode8.setEname(creditGrantingInfo.getEname());
mode8.setCgid(creditGrantingInfo.getId().toString());
modeList.add(mode8);
// Key9 股东稳定性
UniversalEvaluationMode mode9 = functionkey9(modeList, creditGrantingInfo);
// Key10 高管稳定性
UniversalEvaluationMode mode10 = functionkey10(estiblishTime, modeList, creditGrantingInfo);
// Key11 营业收入增长率
UniversalEvaluationMode mode11 = functionKey11(estiblishTime, modeList, creditGrantingInfo);
//Key12 盈利稳定性
UniversalEvaluationMode mode12 = functionKey12(estiblishTime, modeList, creditGrantingInfo);
// Key13 资产稳定性
UniversalEvaluationMode mode13 = functionKey13(estiblishTime, modeList, creditGrantingInfo);
// Key14 资产负债率变动率
UniversalEvaluationMode mode14 = functionKey14(estiblishTime, modeList, creditGrantingInfo);
// Key15 净利润率
UniversalEvaluationMode mode15 = functionKey15(modeList, creditGrantingInfo);
// Key16 总资产收益率
UniversalEvaluationMode mode16 = functionKey16(modeList, creditGrantingInfo);
// Key17 总资产周转率
UniversalEvaluationMode mode17 = functionKey17(creditGrantingInfo.getCompanyType(), modeList, creditGrantingInfo);
// Key18 资产负债率
UniversalEvaluationMode mode18 = functionKey18(modeList, creditGrantingInfo);
// Key19 收入负债比
UniversalEvaluationMode mode19 = functionKey19(modeList, creditGrantingInfo);
// Double comprehensiveRate = Arrays.asList(Key1, Key2, Key3, Key4, Key5, Key6, Key7, Key8, Key9, key10, Key11, Key12, Key13, Key14, Key15, Key16, Key17, Key18, Key19).stream()
// .collect(Collectors.summingDouble(d -> d));
//计算所有三级指标之和
double sum = modeList.stream().mapToDouble(m -> Double.valueOf(m.getScore())).sum() + Key8.doubleValue();
JSONArray jsonArray = new JSONArray();
int kouFen = getKouFen(creditGrantingInfo.getEname(), creditGrantingInfo.getCompanyType(),estiblishTime.intValue(),jsonArray);
sum= sum+kouFen;
sum=sum>100?100:sum;
creditGrantingInfo.setComprehensiveRateSub(kouFen);
creditGrantingInfo.setComprehensiveRateSubInfo(jsonArray.toJSONString());
//匹配对应的 企业信用等级
String creditLevelStr = matchCreditLevel(sum);
String creditLv = null;
String creditRemark=null;
if (estiblishTime < 1){
creditLv = "NR";
creditRemark = "因目标公司成立未满1年，歇业或征信资料不全等特殊情况，不予评价等。";
}else {
String[] strings = creditLevelStr.split("_");
creditLv = strings[0];
creditRemark = strings[1];
}
creditGrantingInfo.setCreditLv(creditLv);
creditGrantingInfo.setCreditRemark(creditRemark);
creditGrantingInfo.setComprehensiveRate(new BigDecimal(sum).setScale(2,BigDecimal.ROUND_HALF_UP).toPlainString());
//计算 二级指标
//经营规模
UniversalEvaluationMode mode20 = new UniversalEvaluationMode();
//经营规模 = 注册资本 + 资产规模 + 销售规模
Double key20Srore = Double.valueOf(mode1.getScore()) + Double.valueOf(mode2.getScore()) + Double.valueOf(mode3.getScore());
mode20.setKey("key20");
mode20.setScore(key20Srore.toString());
mode20.setCgid(creditGrantingInfo.getId().toString());
mode20.setEname(creditGrantingInfo.getEname());
modeList.add(mode20);
//对外投资 = 关联企业数量
UniversalEvaluationMode mode21 = new UniversalEvaluationMode();
mode21.setKey("key21");
mode21.setScore(mode4.getScore());
mode21.setCgid(creditGrantingInfo.getId().toString());
mode21.setEname(creditGrantingInfo.getEname());
modeList.add(mode21);
//经营时长 = 经营时长
UniversalEvaluationMode mode22 = new UniversalEvaluationMode();
mode22.setKey("key22");
mode22.setScore(mode5.getScore());
mode22.setCgid(creditGrantingInfo.getId().toString());
mode22.setEname(creditGrantingInfo.getEname());
modeList.add(mode22);
//企业类型 = 企业性质 + 企业类型
UniversalEvaluationMode mode23 = new UniversalEvaluationMode();
Double key23Score = Double.valueOf(mode6.getScore()) + Double.valueOf(mode7.getScore());
mode23.setKey("key23");
mode23.setScore(key23Score.toString());
mode23.setCgid(creditGrantingInfo.getId().toString());
mode23.setEname(creditGrantingInfo.getEname());
modeList.add(mode23);
//高管素质 = 高管从业经验
UniversalEvaluationMode mode24 = new UniversalEvaluationMode();
mode24.setKey("key24");
mode24.setScore(Key8.toString());
mode24.setCgid(creditGrantingInfo.getId().toString());
mode24.setEname(creditGrantingInfo.getEname());
modeList.add(mode24);
//高管稳定性 = 股东稳定性 + 高管稳定性
UniversalEvaluationMode mode25 = new UniversalEvaluationMode();
Double key25Score = Double.valueOf(mode9.getScore()) + Double.valueOf(mode10.getScore());
mode25.setKey("key25");
mode25.setScore(key25Score.toString());
mode25.setCgid(creditGrantingInfo.getId().toString());
mode25.setEname(creditGrantingInfo.getEname());
modeList.add(mode25);
//经营稳定性 = 营业收入增长率 + 盈利稳定性 + 资产稳定性
UniversalEvaluationMode mode26 = new UniversalEvaluationMode();
Double key26Score = Double.valueOf(mode11.getScore()) + Double.valueOf(mode12.getScore()) + Double.valueOf(mode13.getScore());
mode26.setKey("key26");
mode26.setScore(key26Score.toString());
mode26.setCgid(creditGrantingInfo.getId().toString());
mode26.setEname(creditGrantingInfo.getEname());
modeList.add(mode26);
//财务结构稳定性 = 资产负债率变动率
UniversalEvaluationMode mode27 = new UniversalEvaluationMode();
mode27.setKey("key27");
mode27.setScore(mode14.getScore());
mode27.setCgid(creditGrantingInfo.getId().toString());
mode27.setEname(creditGrantingInfo.getEname());
modeList.add(mode27);
//盈利能力 = 净利润率 + 总资产收益率
UniversalEvaluationMode mode28 = new UniversalEvaluationMode();
Double key28Score = Double.valueOf(mode15.getScore()) + Double.valueOf(mode16.getScore());
mode28.setKey("key28");
mode28.setScore(key28Score.toString());
mode28.setCgid(creditGrantingInfo.getId().toString());
mode28.setEname(creditGrantingInfo.getEname());
modeList.add(mode28);
//运营能力 = 总资产周转率
UniversalEvaluationMode mode29 = new UniversalEvaluationMode();
mode29.setKey("key29");
mode29.setScore(mode17.getScore());
mode29.setCgid(creditGrantingInfo.getId().toString());
mode29.setEname(creditGrantingInfo.getEname());
modeList.add(mode29);
//偿债能力 = 资产负债率 + 收入负债比
UniversalEvaluationMode mode30 = new UniversalEvaluationMode();
Double key30Score = Double.valueOf(mode18.getScore()) + Double.valueOf(mode19.getScore());
mode30.setKey("key30");
mode30.setScore(key30Score.toString());
mode30.setCgid(creditGrantingInfo.getId().toString());
mode30.setEname(creditGrantingInfo.getEname());
modeList.add(mode30);
//计算一级指标 并匹配评价话术
// 企业规模
UniversalEvaluationMode mode31 = new UniversalEvaluationMode();
mode31.setKey("key31");
mode31.setCgid(creditGrantingInfo.getId().toString());
mode31.setEname(creditGrantingInfo.getEname());
// 企业规模 = 注册资本 + 销售规模 + 关联企业数量 + 资产规模
Double scaleScore = Double.valueOf(mode1.getScore()) + Double.valueOf(mode2.getScore()) + Double.valueOf(mode3.getScore()) + Double.valueOf(mode4.getScore());
mode31.setScore(scaleScore.toString());
modeList.add(mode31);
//定义 分值区间 (25.08，31.35] (18.81，25.08] (12.54，18.81] (6.27，12.54] [0，6.27]
//由于 0 为闭区间 故 [0，6.27] 改为[-0.01,6.27]
String scaleStr = "-0.01,6.27|6.27,12.54|12.54,18.81|18.81,25.08|25.08,31.35";
//计算 一级指标分值 并匹配区间
String companyScaleEvaluation = caluFirstLevel(scaleScore, scaleStr,"CompanyScale");
// 基本素质
UniversalEvaluationMode mode32 = new UniversalEvaluationMode();
mode32.setKey("key32");
mode32.setCgid(creditGrantingInfo.getId().toString());
mode32.setEname(creditGrantingInfo.getEname());
// 基本素质 = 经营时长 + 企业性质 + 企业类型
Double companyQualityScore = Double.valueOf(mode5.getScore()) + Double.valueOf(mode6.getScore()) + Double.valueOf(mode7.getScore());
mode32.setScore(companyQualityScore.toString());
modeList.add(mode32);
String qualityStr = "-0.01,2.714|2.714,5.428|5.428,8.142|8.142,10.856|10.856,13.57";
String companyQualityEvaluation = caluFirstLevel(companyQualityScore, qualityStr, "CompanyQuality");
// 高管素质
UniversalEvaluationMode mode33 = new UniversalEvaluationMode();
mode33.setKey("key33");
mode33.setCgid(creditGrantingInfo.getId().toString());
mode33.setEname(creditGrantingInfo.getEname());
//高管素质 = 高管从业经验 + 股东稳定性 + 高管稳定性
Double seniorQualityScore = Double.valueOf(mode8.getScore()) + Double.valueOf(mode9.getScore()) + Double.valueOf(mode10.getScore());
mode33.setScore(seniorQualityScore.toString());
modeList.add(mode33);
String seniorQualityStr = "-0.01,2.754|2.754,5.508|5.508,8.262|8.262,11.016|11.016,13.77";
String seniorQualityEvaluation = caluFirstLevel(seniorQualityScore, seniorQualityStr, "SeniorQuality");
// 经营稳定性
UniversalEvaluationMode mode34 = new UniversalEvaluationMode();
mode34.setKey("key34");
mode34.setCgid(creditGrantingInfo.getId().toString());
mode34.setEname(creditGrantingInfo.getEname());
// 经营稳定性 = 营业收入增长率 + 盈利稳定性 + 资产稳定性 + 资产负债率变动率
Double businessStabilityScore = Double.valueOf(mode11.getScore()) + Double.valueOf(mode12.getScore()) + Double.valueOf(mode13.getScore()) + Double.valueOf(mode14.getScore());
mode34.setScore(businessStabilityScore.toString());
modeList.add(mode34);
String businessStabilityStr = "-0.01,3.672|3.672,7.344|7.344,11.016|11.016,14.688|14.688,18.36";
String businessStabilityEvaluation = caluFirstLevel(businessStabilityScore, businessStabilityStr,"BusinessStability");
// 财务状况
UniversalEvaluationMode mode35 = new UniversalEvaluationMode();
mode35.setKey("key35");
mode35.setCgid(creditGrantingInfo.getId().toString());
mode35.setEname(creditGrantingInfo.getEname());
// 财务状况 = 净利润率 + 总资产收益率 + 总资产周转率 + 资产负债率 + 收入负债比
Double financialStatusScore = Double.valueOf(mode15.getScore()) + Double.valueOf(mode16.getScore()) + Double.valueOf(mode17.getScore()) + Double.valueOf(mode18.getScore()) + Double.valueOf(mode19.getScore());
mode35.setScore(financialStatusScore.toString());
modeList.add(mode35);
String financialStatusStr = "-0.01,4.59|4.59,9.18|9.18,13.77|13.77,18.36|18.36,22.95";
String financialStatusEvaluation = caluFirstLevel(financialStatusScore, financialStatusStr,"FinancialStatus");
//将 一级 二级 三级 指标入库
UniversalEvaluationModeServiceImpl modeServiceImpl = (UniversalEvaluationModeServiceImpl)SpringUtils.getBean("universalEvaluationModeServiceImpl");
modeServiceImpl.insertUniverdalModeBatch(modeList);
//设置评价数据 并转成json
//企业规模
JSONObject scaleJson = new JSONObject();
scaleJson.put("name","企业规模");
scaleJson.put("value",companyScaleEvaluation);
scaleJson.put("score",scaleScore);
scaleJson.put("scoreRate",BigDecimal.valueOf(scaleScore).divide(new BigDecimal("31.35"),2,BigDecimal.ROUND_DOWN));
//基本素质
JSONObject companyQualityJSon = new JSONObject();
companyQualityJSon.put("name","基本素质");
companyQualityJSon.put("value",companyQualityEvaluation);
companyQualityJSon.put("score",companyQualityScore);
companyQualityJSon.put("scoreRate",BigDecimal.valueOf(companyQualityScore).divide(new BigDecimal("13.57"),2,BigDecimal.ROUND_DOWN));
//高管素质
JSONObject seniorQualityJson = new JSONObject();
seniorQualityJson.put("name","高管素质");
seniorQualityJson.put("value",seniorQualityEvaluation);
seniorQualityJson.put("score",seniorQualityScore);
seniorQualityJson.put("scoreRate",BigDecimal.valueOf(seniorQualityScore).divide(new BigDecimal("13.77"),2,BigDecimal.ROUND_DOWN));
//经营稳定性
JSONObject businessStabilityJson = new JSONObject();
businessStabilityJson.put("name","经营稳定性");
businessStabilityJson.put("value",businessStabilityEvaluation);
businessStabilityJson.put("score",businessStabilityScore);
businessStabilityJson.put("scoreRate",BigDecimal.valueOf(businessStabilityScore).divide(new BigDecimal("18.36"),2,BigDecimal.ROUND_DOWN));
//财务状况
JSONObject financialStatusJson = new JSONObject();
financialStatusJson.put("name","财务状况");
financialStatusJson.put("value",financialStatusEvaluation);
financialStatusJson.put("score",financialStatusScore);
financialStatusJson.put("scoreRate",BigDecimal.valueOf(financialStatusScore).divide(new BigDecimal("22.95"),2,BigDecimal.ROUND_DOWN));
JSONArray evaluationJson = new JSONArray();
evaluationJson.add(scaleJson);
evaluationJson.add(companyQualityJSon);
evaluationJson.add(seniorQualityJson);
evaluationJson.add(businessStabilityJson);
evaluationJson.add(financialStatusJson);
System.out.println(evaluationJson.toJSONString());
creditGrantingInfo.setCreditAnalysis(evaluationJson.toJSONString());
return null;
}
/**
*
* @param name
* @param etype 企业类型
* @return
*/
public int getKouFen(String name,String etype,int createYearCom,JSONArray array){
CGModelParamsLog.title(name);
double zczb=Double.parseDouble(basicInfo.getString("registCapi").split("万")[0]);
//获取最近一年的所有者权益
Double totalEquity=cur.getTotalEquity().doubleValue();
//获取营业收入
List yysr=new ArrayList();
if (null!=llast)yysr.add(llast.getOperRev());
if (null!=last)yysr.add(last.getOperRev());
if (null!=cur)yysr.add(cur.getOperRev());
int ct=0;
//近三年有过注册资本减资行为
int jz= DataHandleUtils2.bgzb(name);
if(jz>0){
CGModelParamsLog.idx("减分指标:近三年有过注册资本减资行为:-10",-10,null);
array.add("近三年有过注册资本减资行为:-10");
ct-=10;
}
// 近三年目标企业所处行业发生过变更
int hybg=DataHandleUtils2.bgInfo(name,"3");
if(hybg>0){
CGModelParamsLog.idx("减分指标:近三年目标企业所处行业发生过变更",-5,null);
array.add("近三年目标企业所处行业发生过变更:-5");
ct-=5;
}
//民营企业,股东，高管
if(etype.indexOf("民营")>=0){
int gdbg=DataHandleUtils2.bgInfo(name,"1");
int ggbg=DataHandleUtils2.bgInfo(name,"1");
if(gdbg>5){
CGModelParamsLog.idx("减分指标:民营目标企业近三年股东变更次数超过5次",-5,null);
array.add("民营目标企业近三年股东变更次数超过5次:-5");
ct-=5;
}
if(ggbg>5){
CGModelParamsLog.idx("减分指标:民营目标企业近三年高管人员变更次数超过5次",-5,null);
array.add("民营目标企业近三年高管人员变更次数超过5次:-5");
ct-=5;
}
}
Calendar cal = Calendar.getInstance();
int nowYear=cal.get(Calendar.YEAR);
int oneYear=nowYear-1;
int twoYear=nowYear-2;
int threeYear=nowYear-3;
//近年连续发生劳务纠纷案件
Map<String,List> lwjf=DataHandleUtils2.getFlssData(name,"1");
if(etype.indexOf("民营")>=0){
if((lwjf.get(oneYear+"").size()>=5&&lwjf.get(twoYear+"").size()>=5&&lwjf.get(threeYear+"").size()>=5)||(lwjf.get(oneYear+"").size()>=5&&lwjf.get(twoYear+"").size()>=5&&lwjf.get(nowYear+"").size()>=5)){
ct-=5;
CGModelParamsLog.idx("减分指标:近年连续发生劳务纠纷案件",-5,null);
array.add("近年连续发生劳务纠纷案件:-5");
}
}
//近三年中连续三年发生经济合同纠纷案件
Map<String,List> htjf=DataHandleUtils2.getFlssData(name,"2");
if((htjf.get(oneYear+"").size()>0&&htjf.get(twoYear+"").size()>0&&htjf.get(threeYear+"").size()>0)||(htjf.get(oneYear+"").size()>0&&htjf.get(twoYear+"").size()>0&&htjf.get(nowYear+"").size()>0)){
ct-=10;
CGModelParamsLog.idx("减分指标:近三年中连续三年发生经济合同纠纷案件",-10,null);
array.add("近三年中连续三年发生经济合同纠纷案件:-10");
}
//近三年案件涉及金额合计
Map<String,List> jrhj=DataHandleUtils2.getFlssData(name,"3");
Double jr=0.0;
if (jrhj.size()>0) {
List jrList=jrhj.get(nowYear+"");
for(Object ob:jrList){
jr+=(double) ob;
}
}
double ro=(jr/totalEquity)*50;
if(ro<50){
ct-=10; CGModelParamsLog.idx("减分指标:近三年案件涉及金额合计",-10,null); array.add("近三年案件涉及金额合计（原告+被告）/所有者权益小于50%:-10");
}else if(50<ro&&ro<100){
ct-=20; CGModelParamsLog.idx("减分指标:近三年案件涉及金额合计",-20,null); array.add("近三年案件涉及金额合计（原告+被告）/所有者权益大于等于50%小于100%:-20");
}else{
ct-=30; CGModelParamsLog.idx("减分指标:近三年案件涉及金额合计",-30,null); array.add("近三年案件涉及金额合计（原告+被告）/所有者权益大于100%:-30");
}
//近三年中目标企业存在被列为被执行人的情况
Map<String,List> sxbzx=DataHandleUtils2.sxbzx(name,"1");
if(sxbzx.get(oneYear+"").size()>0||sxbzx.get(twoYear+"").size()>0||sxbzx.get(threeYear+"").size()>0||sxbzx.get(nowYear+"").size()>0){
ct-=10;CGModelParamsLog.idx("减分指标:近三年中目标企业存在被列为被执行人的情况",-10,null);array.add("近三年中目标企业存在被列为被执行人的情况:-10");
}
if((sxbzx.get(oneYear+"").size()>0&&sxbzx.get(twoYear+"").size()>0&&sxbzx.get(threeYear+"").size()>0)||(sxbzx.get(oneYear+"").size()>0&&sxbzx.get(twoYear+"").size()>0&&sxbzx.get(nowYear+"").size()>0)){
ct-=20;CGModelParamsLog.idx("减分指标:近三年中连续三年均被列为执行人的情况",-20,null);array.add("近三年中连续三年均被列为执行人的情况:-20");
}
//近三年中存在被执行金额合计
Map<String,List> zxjr=DataHandleUtils2.sxbzx(name,"2");
double zxjrCount=0.0;
if(zxjr.size()>0){
List zxjrList=zxjr.get(nowYear+"");
for(Object ob:zxjrList){
zxjrCount+=(double) ob;
}
}
double zxjrRatio=(zxjrCount/totalEquity)*100;
if(zxjrRatio>50){
ct-=30;
CGModelParamsLog.idx("减分指标:近三年中存在被执行金额合计",-30,null);
array.add("近三年中存在被执行金额合计/所有者权益>50%:-30");
}
//近三年目标企业股东、董事、监事、法定代表人、高管人员被限制高消费
//获取自然人
List all=new ArrayList();
Map<String,List> gdzrr=DataHandleUtils2.qygd(name);
List qyggList=DataHandleUtils2.qygg(name);
if(gdzrr.size()>0){
if(gdzrr.containsKey("zrr")){
List zrr=gdzrr.get("zrr");
if(zrr.size()>0){
for(int k=0;k<zrr.size();k++){
List gdbzx=DataHandleUtils2.xzgxf(name,zrr.get(k).toString());
all.addAll(gdbzx);
}
}
}
}
if(qyggList.size()>0){
for(int k=0;k<qyggList.size();k++){
List ggbzx=DataHandleUtils2.xzgxf(name,qyggList.get(k).toString());
all.addAll(ggbzx);
}
}
if(all.size()>0){
ct-=10;
array.add("近三年目标企业股东、董事、监事、法定代表人、高管人员被限制高消费:-10");
CGModelParamsLog.idx("减分指标:近三年目标企业股东、董事、监事、法定代表人、高管人员被限制高消费",-10,null);
}
//近三年中连续三年有行政处罚
Map<String, List> xzcf=DataHandleUtils2.xzcf(name);
if((xzcf.get(oneYear+"").size()>0&&xzcf.get(twoYear+"").size()>0&&xzcf.get(threeYear+"").size()>0)||(xzcf.get(oneYear+"").size()>0&&xzcf.get(twoYear+"").size()>0&&xzcf.get(nowYear+"").size()>0)){
ct-=5;
CGModelParamsLog.idx("减分指标:近三年中连续三年有行政处罚",-5,null);
array.add("近三年中连续三年有行政处罚:-5");
}
//近3年欠税公告
Map<String,String> qsgg=DataHandleUtils2.qsgg(name);
if( Double.parseDouble(qsgg.get("countMoney"))<100000){
if(Integer.parseInt(qsgg.get("countNum"))>3){
ct-=5;
CGModelParamsLog.idx("减分指标:近3年欠税公告",-5,null);
array.add("近三年欠税公告大于3条，或欠税金额合计小于10万元:-5");
}
}
if(Double.parseDouble(qsgg.get("countMoney"))>=100000&&Double.parseDouble(qsgg.get("countMoney"))<500000){
ct-=10;CGModelParamsLog.idx("减分指标:近三年欠税总金额大于等于10万元",-10,null);
array.add("近三年欠税总金额大于等于10万元:-10");
}
if(Double.parseDouble(qsgg.get("countMoney"))>=500000){
ct-=20;CGModelParamsLog.idx("减分指标:近三年欠税总金额大于等于50万元",-20,null);
array.add("近三年欠税总金额大于等于50万元:-20");
}
//有效股权出质金额合计/注册资本>80%
Map<String,String> gqcz=DataHandleUtils2.gqcz(name);
Double gqczRatio=Double.parseDouble(gqcz.get("countMoney"))/zczb*100;
if(gqczRatio>80){
ct-=20;CGModelParamsLog.idx("减分指标:有效股权出质金额合计/注册资本>80%",-20,null);
array.add("有效股权出质金额合计/注册资本>80%:-20");
}
//动产质押、股权质押/所有者权益>80%
Map<String,String> dcdy=DataHandleUtils2.dcdy(name);
Double dcdyRatio=Double.parseDouble(dcdy.get("countMoney"))/totalEquity*100;
if(dcdyRatio>80){
ct-=10;CGModelParamsLog.idx("减分指标:动产质押、股权质押/所有者权益>80%",-10,null);
array.add("动产质押、股权质押/所有者权益>80%:-10");
}
//对外担保
Map<String,String> dwdb=DataHandleUtils2.dwdb(name);
Double dwdbRatio=Double.parseDouble(dwdb.get("countMoney"))/totalEquity*100;
if(dwdbRatio>80){
ct-=10;CGModelParamsLog.idx("减分指标:对外担保合计/所有者权益>80%",-10,null);
array.add("对外担保合计/所有者权益>80%:-10");
}
//民营目标企业关联目标企业中涉及房地产行业
List dwtz=DataHandleUtils2.qydwtz(name);
if(dwtz.size()>0){
if(dwtz.contains("房地产")){
ct-=5;CGModelParamsLog.idx("减分指标:民营目标企业关联目标企业中涉及房地产行业",-5,null);
array.add("民营目标企业关联目标企业中涉及房地产行业:-5");
}
}
if(createYearCom>3){
//成立时间大于3年，经营连续亏损
//成立时间大于3年，营业总收入呈下降趋势
int ksnum=0;
int srnum=0;
for(int j=0;j<yysr.size();j++){
if(Double.parseDouble(yysr.get(j).toString())<0){
ksnum+=1;
}
if(j<yysr.size()-1){
if(Double.parseDouble(yysr.get(j).toString())>Double.parseDouble(yysr.get(j+1).toString())){
srnum+=1;
}
}
}
if(ksnum==3){
ct-=5;CGModelParamsLog.idx("减分指标:成立时间大于3年，经营连续亏损",-5,null);
array.add("成立时间大于3年，经营连续亏损:-5");
}
if(srnum==1){
ct-=5;CGModelParamsLog.idx("减分指标:成立时间大于3年，营业总收入呈下降趋势",-5,null);
array.add("成立时间大于3年，营业总收入呈下降趋势:-5");
}
}
//
// if(Integer.parseInt(breakContract)>3){
// ct-=5;
// }
// if(isttqs.equals("是")){
// ct-=5;
// }
// if(isfz.equals("是")){
// ct-=5;
// }
List qysx= DataHandleUtils2.qysxbzxr(name);//近一年
Map<String,List> gd=DataHandleUtils2.qygd(name);//获取企业股东
List gg=DataHandleUtils2.qygg(name);//获取高管信息
if(qysx!=null&&qysx.size()>0){
ct-=5;CGModelParamsLog.idx("减分指标:近一年目标企业失信人",-5,null);
array.add("近一年目标企业失信人:-5");
}
//查询高管
if(gg!=null&&gg.size()>0){
for(int j=0;j<gg.size();j++){
List ggsx=DataHandleUtils2.ggsxbzxr(name,gg.get(j).toString());
if(ggsx!=null&&ggsx.size()>0){
ct-=5;CGModelParamsLog.idx("减分指标:近一年目标企业股东、董事、监事、法定代表人、高管人员被列为失信被执行人",-5,null);
array.add("近一年目标企业股东、董事、监事、法定代表人、高管人员被列为失信被执行人:-5");
}
}
}
//查询股东(股东包含企业和自然人)
if(gd!=null&&gd.size()>0){
List qy=gd.get("qy");
List zrr=gd.get("zrr");
if(qy.size()>0){
for(int k=0;k<qy.size();k++){
List gdqysx= DataHandleUtils2.qysxbzxr(qy.get(k).toString());//近一年
if(gdqysx.size()>0){
ct-=5;CGModelParamsLog.idx("减分指标:近一年目标企业被列为失信被执行人",-5,null);
array.add("近一年目标企业被列为失信被执行人:-5");
}
}
}
if(zrr.size()>0){
for(int s=0;s<zrr.size();s++){
List ggzrrsx=DataHandleUtils2.ggsxbzxr(name,zrr.get(s).toString());
if(ggzrrsx.size()>0){
ct-=5;CGModelParamsLog.idx("减分指标:近一年目标企业股东、董事、监事、法定代表人、高管人员被列为失信被执行人",-5,null);
array.add("近一年目标企业股东、董事、监事、法定代表人、高管人员被列为失信被执行人:-5");
}
}
}
}
//财务数据排序
//需要获取最近一年的数据
BigDecimal totLiab=cur.getTotLiab();//负债合计
BigDecimal totAssets=cur.getTotAssets();//总资产
Double fzl=totLiab.divide(totAssets,2,BigDecimal.ROUND_HALF_UP).multiply(new BigDecimal("100")).doubleValue();
if(fzl>120){
ct-=5;
CGModelParamsLog.idx("减分指标,资产负债率大于120:",-5,null);
array.add("资产负债率大于120:-5");
}
return ct;
}
/**
* 根据三级指标之和 匹配企业信用登记
* @param score
* @return
*/
public String matchCreditLevel(Double score){
if (85.001 < score && score <= 100.00){
return "AAA_目标公司信用优良。交易风险极低，提供较高的信用额度，并给予更长的信用期限。";
}else if (80.001 < score && score <= 85.00){
return "AA_目标公司信用良好。交易风险较低，提供适当的信用额度，并给予适当的信用期限。";
}else if (70.001 < score && score <= 80.00){
return "A_目标公司信用尚佳。提供有限的信用额度，并严格监控信用期限，并采取适当的风险控制措施。";
}else if (60.001 < score && score <= 70.00){
return "B_目标公司信用尚可。不推荐提供信用额度，建议全部采用现款现货的方式，确保有足够的保障措施。";
}else if (50.001 < score && score <= 60.00){
return "C_目标公司信用普通，资产有限。严格控制信用额度，尽量采用现款现货的方式，特别是涉及大额资金或重要事务时。";
}else {
return "D_目标公司信用欠佳。拒绝提供信用额度，仅支持现款现货的交易方式，除非有充分的理由和风险控制措施。";
}
}
/**
* 根据 一级指标 匹配对应的评价话术
* @param totalScore
* @param scoreRangeStr
* @return
*/
public static String caluFirstLevel(Double totalScore,String scoreRangeStr,String evaluationType){
//分解区间
String[] scoreRanges = scoreRangeStr.split("\\|");
//差
String[] ranges0 = scoreRanges[0].split(",");
Double low0 = Double.valueOf(ranges0[0]);
Double up0 = Double.valueOf(ranges0[1]);
if (low0 < totalScore && totalScore <= up0){
return caseEvalutionType(evaluationType + "_Poor");
}
//较差
String[] ranges1 = scoreRanges[1].split(",");
Double low1 = Double.valueOf(ranges1[0]);
Double up1 = Double.valueOf(ranges1[1]);
if (low1 < totalScore && totalScore <= up1){
return caseEvalutionType(evaluationType + "_Fair");
}
//一般
String[] ranges2 = scoreRanges[2].split(",");
Double low2 = Double.valueOf(ranges2[0]);
Double up2 = Double.valueOf(ranges2[1]);
if (low2 < totalScore && totalScore <= up2){
return caseEvalutionType(evaluationType + "_Average");
}
//良好
String[] ranges3 = scoreRanges[3].split(",");
Double low3 = Double.valueOf(ranges3[0]);
Double up3 = Double.valueOf(ranges3[1]);
if (low3 < totalScore && totalScore <= up3){
return caseEvalutionType(evaluationType + "_Good");
}
//优秀
String[] ranges4 = scoreRanges[4].split(",");
Double low4 = Double.valueOf(ranges4[0]);
Double up4 = Double.valueOf(ranges4[1]);
if (low4 < totalScore && totalScore <= up4){
return caseEvalutionType(evaluationType + "_Excellent");
}
return "";
}
/**
* 根据该 评价类型， 返回不同 评价话术
* @param name
* @return
*/
public static String caseEvalutionType(String name){
switch (name){
//企业规模
case "CompanyScale_Poor":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyScale_Fair":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyScale_Average":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyScale_Good":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyScale_Excellent":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
//基本素质
case "CompanyQuality_Poor":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyQuality_Fair":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyQuality_Average":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyQuality_Good":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "CompanyQuality_Excellent":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
//3.经营稳定性
case "BusinessStability_Poor":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "BusinessStability_Fair":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "BusinessStability_Average":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "BusinessStability_Good":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "BusinessStability_Excellent":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
//高管素质
case "SeniorQuality_Poor":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "SeniorQuality_Fair":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "SeniorQuality_Average":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "SeniorQuality_Good":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "SeniorQuality_Excellent":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
//财务状况
case "FinancialStatus_Poor":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "FinancialStatus_Fair":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "FinancialStatus_Average":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "FinancialStatus_Good":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
case "FinancialStatus_Excellent":
return CreditEvaluationEnum.getCredtEvaluationByName(name);
default:
throw new IllegalArgumentException("参数名称未匹配 " + name);
}
}
//-----------分项方法-----------------------------------------------------------------
/**
* 计算注册资本
* @return
*/
private UniversalEvaluationMode functionKey1(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
BigDecimal currency=null;
String s = basicInfo.getString("registCapi").split("万")[0];
BigDecimal regCapital = new BigDecimal(s);
currency= new BigDecimal(s);
if (null!=currency)regCapital=regCapital.multiply(currency).setScale(2,BigDecimal.ROUND_HALF_UP);
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("注册资本")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(regCapital, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key1");//注册资本
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
// CGModelParamsLog.idx("计算注册资本",mode.getScore(),basicInfo.getString("regCapital"));
return mode;
}
/**
* 计算 资产规模
* @return
*/
private UniversalEvaluationMode functionKey2(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=null;
if (financeYear==3)value=llast.getTotAssets().doubleValue()*0.2+last.getTotAssets().doubleValue()*0.3+cur.getTotAssets().doubleValue()*0.5;
if (financeYear==2)value=last.getTotAssets().doubleValue()*0.4+cur.getTotAssets().doubleValue()*0.6;
if (financeYear==1)value=cur.getTotAssets().doubleValue();
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("资产规模")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key2");//资产规模
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
// CGModelParamsLog.idx("资产规模",mode.getScore(),null);
return mode;
}
//销售规模
private UniversalEvaluationMode functionKey3(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=null;
if (financeYear==3)value=llast.getOperRev().doubleValue()*0.2+last.getOperRev().doubleValue()*0.3+cur.getOperRev().doubleValue()*0.5;
if (financeYear==2)value=last.getOperRev().doubleValue()*0.4+cur.getOperRev().doubleValue()*0.6;
if (financeYear==1)value=cur.getOperRev().doubleValue();
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("销售规模")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key3");//销售规模
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
// CGModelParamsLog.idx("销售规模",mode.getScore(),null);
return mode;
}
//关联企业数量
private UniversalEvaluationMode functionKey4(int value) {
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("关联企业数量")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("销售规模");
mode.setScore(socore.toString());
return mode;
}
//经营时长
private UniversalEvaluationMode functionKey5(Double value,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("经营时长")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value.intValue(), sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key5"); //经营时长
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getRemark());
modeList.add(mode);
return mode;
}
//企业性质
private UniversalEvaluationMode functionKey6(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("企业性质")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(credit.getCompanyNature(), sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key6"); //企业性质
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 股东稳定性
private UniversalEvaluationMode functionkey9(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
long gdNum = DataHandleUtils.bgInfo(ename, "1");
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("股东稳定性")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(gdNum, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key9"); //股东稳定性
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 高管稳定性
private UniversalEvaluationMode functionkey10(Double year,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
long gdNum = DataHandleUtils.bgInfo(ename, "2");
//筛选出 三级指标为 “高管稳定性”
Double socore = 0.0;
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("高管稳定性")).collect(Collectors.toList());
if (year>=1&&year<2&&gdNum==0){
socore = new ScoreCardUtils.Calculation().calcuThirdLevel("80", sclist.get(0).getRemark());
}else {
socore = new ScoreCardUtils.Calculation().calculation_scoring(gdNum, sclist);
}
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key10"); //高管稳定性
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 营业收入增长率
private UniversalEvaluationMode functionKey11(Double year,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=null;
//筛选出 三级指标为
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("营业收入增长率")).collect(Collectors.toList());
Double socore = 0.0;
if (financeYear==1){//成立时间1年的不计算
// return 40D;
socore = new ScoreCardUtils.Calculation().calcuThirdLevel("40", sclist.get(0).getRemark());
}else {
if (financeYear==3)value=(Math.pow((cur.getOperRev().doubleValue()/last.getOperRev().doubleValue()),0.5)-1)*100;
if (financeYear==2)value=(cur.getOperRev().doubleValue()/last.getOperRev().doubleValue()-1)*100;
socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
}
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key11"); //营业收入增长率
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 盈利稳定性
private UniversalEvaluationMode functionKey12(Double year,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Integer value=0;
Double socore=0D;
//筛选三级指标
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("盈利稳定性")).collect(Collectors.toList());
if (year>=1&&year<2){//成立时间1年的不计算
// return 50D;
socore = new ScoreCardUtils.Calculation().calcuThirdLevel("50", sclist.get(0).getRemark());
}else {
if (financeYear>=1)value=(null!=cur.getNetProfit()&&cur.getNetProfit().doubleValue()>0)?value+1:value;
if (financeYear>=2)value=(null!=last.getNetProfit()&&last.getNetProfit().doubleValue()>0)?value+1:value;
if (financeYear>=3)value=(null!=llast.getNetProfit()&&llast.getNetProfit().doubleValue()>0)?value+1:value;
socore= new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
}
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key12"); //盈利稳定性
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 资产稳定性
private UniversalEvaluationMode functionKey13(Double year,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=0D;
Double socore=0D;
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("资产稳定性")).collect(Collectors.toList());
if (financeYear==1){
socore = new ScoreCardUtils.Calculation().calcuThirdLevel("60", sclist.get(0).getRemark());
// return 60D;
}else {
Double val1=null!=cur?cur.getOperRev().doubleValue()/cur.getTotAssets().doubleValue():null;
Double val2=null!=last?last.getOperRev().doubleValue()/last.getTotAssets().doubleValue():null;
if (financeYear==3)value=(Math.pow((val1/val2),0.5)-1)*100;
if (financeYear==2)value=(val1/val2-1)*100;
socore= new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
}
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key13");//资产稳定性
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 资产负债率变动率
private UniversalEvaluationMode functionKey14(Double year,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=0D;
Double socore=0D;
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("资产负债率变动率")).collect(Collectors.toList());
if (financeYear<=1){
socore = new ScoreCardUtils.Calculation().calcuThirdLevel("80", sclist.get(0).getRemark());
// return 80D;
}else {
Double val1=null!=cur?cur.getNetProfit().doubleValue()/cur.getTotAssets().doubleValue()*100:null;
Double val2=null!=last?last.getNetProfit().doubleValue()/last.getTotAssets().doubleValue()*100:null;
Double val3=null!=llast?llast.getNetProfit().doubleValue()/llast.getTotAssets().doubleValue()*100:null;
value=val1-val2;//上年-下年 判断负债趋势
Double max=numberMax(val1,val2,val3);
Double min=numberMin(val1,val2,val3);
if (val1>0){
value=financeYear>=3?((max-min)/min)*100:(val1/val2-1)*100;
}else{
value=financeYear>=3?(-((max-min)/min))*100:(-(val1/val2-1))*100;
}
socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
}
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("14"); //资产负债率变动率
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 净利润率
private UniversalEvaluationMode functionKey15(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=0D;
Double val1=null!=cur?cur.getNetProfit().doubleValue()/cur.getOperRev().doubleValue()*100:null;
Double val2=null!=last?last.getNetProfit().doubleValue()/last.getOperRev().doubleValue()*100:null;
Double val3=null!=llast?llast.getNetProfit().doubleValue()/llast.getOperRev().doubleValue()*100:null;
if (financeYear==3)value=(val1+val2+val3)/3;
if (financeYear==2)value=(val1+val2)/2;
if (financeYear==1)value=val1;
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("净利润率")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key15");//净利润率
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 总资产收益率
private UniversalEvaluationMode functionKey16(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=0D;
Double val1=null!=cur?cur.getNetProfit().doubleValue()/cur.getTotAssets().doubleValue()*100:null;
Double val2=null!=last?last.getNetProfit().doubleValue()/last.getTotAssets().doubleValue()*100:null;
Double val3=null!=llast?llast.getNetProfit().doubleValue()/llast.getTotAssets().doubleValue()*100:null;
if (financeYear==3)value=(val1+val2+val3)/3;
if (financeYear==2)value=(val1+val2)/2;
if (financeYear==1)value=val1;
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("总资产收益率")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key16"); //总资产收益率
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 总资产周转率
private UniversalEvaluationMode functionKey17(String type,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=0D;
//定义 三级指标计算得分
Double socore=0D;
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
Double val1=null!=cur?cur.getOperRev().doubleValue()/cur.getTotAssets().doubleValue()*100:null;
Double val2=null!=last?last.getOperRev().doubleValue()/last.getTotAssets().doubleValue()*100:null;
Double val3=null!=llast?llast.getOperRev().doubleValue()/llast.getTotAssets().doubleValue()*100:null;
if (financeYear==3)value=val3*0.2+val2*0.3+val1*0.5;
if (financeYear==2)value=val2*0.4+val1*0.6;
if (financeYear==1)value=val1;
if (type.contains("生产")){
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("总资产周转率生产类")).collect(Collectors.toList());
socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
}else {
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("总资产周转率经销类")).collect(Collectors.toList());
socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
}
mode.setKey("key17");//总资产周转率
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 资产负债率
private UniversalEvaluationMode functionKey18(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=0D;
Double val1=null!=cur?cur.getTotLiab().doubleValue()/cur.getTotAssets().doubleValue()*100:null;
Double val2=null!=last?last.getTotLiab().doubleValue()/last.getTotAssets().doubleValue()*100:null;
Double val3=null!=llast?llast.getTotLiab().doubleValue()/llast.getTotAssets().doubleValue()*100:null;
if (financeYear==3)value=val3*0.2+val2*0.3+val1*0.5;
if (financeYear==2)value=val2*0.4+val1*0.6;
if (financeYear==1)value=val1;
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("资产负债率")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("key18"); //资产负债率
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
// 收入负债比
private UniversalEvaluationMode functionKey19(List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit) {
Double value=0D;
Double val1=null!=cur?cur.getOperRev().doubleValue()/cur.getTotLiab().doubleValue()*100:null;
Double val2=null!=last?last.getOperRev().doubleValue()/last.getTotLiab().doubleValue()*100:null;
Double val3=null!=llast?llast.getOperRev().doubleValue()/llast.getTotLiab().doubleValue()*100:null;
if (financeYear==3)value=val3*0.2+val2*0.3+val1*0.5;
if (financeYear==2)value=val2*0.4+val1*0.6;
if (financeYear==1)value=val1;
List<ScorecardScoreDetailed> sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals("收入负债比")).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(value, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey("收入负债比");
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
//--------------工具方法------------------------------------------------
public static synchronized BigDecimal getExchangeRate(String type){
String dateStr = DateUtils.parseDateToStr(DateUtils.YYYY_MM_DD, new Date());
//按日期进行查询
if (!exchangeRate.containsKey(dateStr)){
//获取当前时间
SimpleDateFormat sdf=new SimpleDateFormat("yyyy-MM-dd");
String nowDate=sdf.format(new Date());
String url="https://www.chinamoney.com.cn/ags/ms/cm-u-bk-ccpr/CcprHisNew";
String parm="startDate="+nowDate+"&endDate="+nowDate+"¤cy=USD/CNY,HKD/CNY&pageNum=1&pageSize=10";
String send= HttpUtils.sendPost(url,parm);
if(StringUtils.isNotEmpty(send)){
JSONObject jo=JSONObject.parseObject(send);
JSONArray records=jo.getJSONArray("records");
JSONObject record=JSONObject.parseObject(records.get(0).toString());
JSONArray values=record.getJSONArray("values");
exchangeRate=new JSONObject();
exchangeRate.put("date",dateStr);
exchangeRate.put(dateStr,dateStr);
exchangeRate.put("USD",values.get(0));
exchangeRate.put("HKD",values.get(1));
}
}
return exchangeRate.getBigDecimal(type);
}
//关联企业数量 企业类型
public UniversalEvaluationMode calculation_indicators(Object val,String name,String key,List<UniversalEvaluationMode> modeList,CreditGrantingInfo credit){
List<ScorecardScoreDetailed> sclist = null;
sclist = scoreDetaileds.stream().filter(f -> f.getScoreName().equals(name)).collect(Collectors.toList());
Double socore = new ScoreCardUtils.Calculation().calculation_scoring(val, sclist);
//设置 通用评分实体
UniversalEvaluationMode mode = new UniversalEvaluationMode();
mode.setKey(key);
mode.setScore(socore.toString());
mode.setCgid(credit.getId().toString());
mode.setEname(credit.getEname());
modeList.add(mode);
return mode;
}
public Double numberMax(Double... val){
return Arrays.stream(val).filter(Objects::nonNull).max(Double::compareTo).get();
}
public Double numberMin(Double... val){
return Arrays.stream(val).filter(Objects::nonNull).min(Double::compareTo).get();
}
}