CreditModel.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.DataHandleUtils2;
import com.lhcredit.common.utils.JsonPathUtils;
import com.lhcredit.common.utils.StringUtils;
import com.lhcredit.project.business.creditGrantingInfo.domain.CreditGrantingInfo;
import com.lhcredit.project.business.creditGrantingInfo.domain.HistoricalTransactions;
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 lombok.Data;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Component;
import java.math.BigDecimal;
import java.util.*;
import java.util.stream.Collectors;
@Data
@Component
public class CreditModel {
private FinanceInfo cur;
private FinanceInfo last;
private FinanceInfo llast;
private JSONObject basicInfo;
private String ename;
private FinanceIndex financeIndex;
private String creditLv;
private String companyScale;//企业规模
private Integer createYearCom;//企业成立年份
//行业平均值
public static CreditModel CAUtils(CreditGrantingInfo creditGrantingInfo,FinanceInfo curi,FinanceInfo lasti, FinanceInfo llasti){
CreditModel caUtils = new CreditModel();caUtils.setCur(curi);caUtils.setLast(lasti);caUtils.setLlast(llasti);
caUtils.setCreditLv(creditGrantingInfo.getCreditLv());
caUtils.setEname(creditGrantingInfo.getEname());
caUtils.setFinanceIndex(FinanceIndex.of(curi,lasti,llasti));
caUtils.setBasicInfo(JSONObject.parseObject(creditGrantingInfo.getBasicInfo()));
caUtils.createDateCompany();
return caUtils;
}
public void createDateCompany(){
// Key5 经营时长
Date date = basicInfo.getDate("establishDate");
Double estiblishTime=FinanceIndex.getCompanyEstablishYear(date);
this.createYearCom=estiblishTime.intValue();
}
//创建贸易模型
public BigDecimal createTradeModel(CreditGrantingInfo creditGrantingInfo) {
//1、企业规模
this.companyScale=financeIndex.getCompanyScale("贸易类企业");
//2.销售增长率
Double xszzl=financeIndex.idx_xszzl();
//3.流动资产周转率
Double ldzczzl=financeIndex.idx_ldzczzl();
//4 营运资金需求量=营业收入×（1+销售增长率）÷流动资产周转率
Double yyzjxql=cur.getOperRev().doubleValue() * (1+xszzl) / ldzczzl;
//5存货
Double ch= financeIndex.idx_ch();
//6速动比率
Double sdbl= financeIndex.idx_sdbl();
// 流动资产=营业收入÷流动资产周转率，该部分参数在营运资金需求量中已说明；
// 流动负债=（流动资产-存货）÷速动比率
Double ldlc=cur.getOperRev().doubleValue()/ldzczzl;
Double ldfz=(ldlc-ch)/sdbl;
//营运资金来源=流动资产-流动负债，其中，
Double yyzjly=ldlc-ldfz;
yyzjly=yyzjly<0?0:yyzjly;//营运资金来源计算结果若为负数，计为0
//级别调整系数
Double jbtzxs=financeIndex.idx_jbtzxs(creditLv);
//资产负债率调整系数
Double zcfzltzxs=financeIndex.idx_zcfzltzxs();
//去年单月最大交易规模
Double monthMaxTransactionSize=null;
if (StringUtils.isNotEmpty(creditGrantingInfo.getHistoricalTransactions())){
BigDecimal val3 = JSONObject.parseObject(creditGrantingInfo.getHistoricalTransactions(), HistoricalTransactions.class).getMonthMaxTransactionSize();
if (null!=val3)monthMaxTransactionSize=val3.doubleValue()*(120/100.0);
}
//抵押信息=抵押物评估价值*折扣率
Double dyw=financeIndex.idx_dyw( creditGrantingInfo);
//保证额*30%
Double dbe=financeIndex.idx_dbe(creditGrantingInfo);
Double score=0D;
// 授信额度=MAX{净利润,去年单月最大交易规模*120%,MIN[（营运资金需求量-营运资金来源）×级别调整系数，营业收入×20%，总资产×15%，所有者权益×级别调整系数]}×资产负债率调整系数+抵押物评估价值*折扣率+保证额*30%
//MIN[（营运资金需求量-营运资金来源）×级别调整系数，营业收入×20%，总资产×15%，所有者权益×级别调整系数]
Double min = Arrays.asList((yyzjxql - yyzjly) * jbtzxs, cur.getOperRev().doubleValue() * (20 / 100.0), cur.getTotAssets().doubleValue() * (15 / 100.0), cur.getTotalEquity().doubleValue() * jbtzxs).stream().min(Double::compareTo).get();
Double max = Arrays.asList(cur.getNetProfit().doubleValue(), (null != monthMaxTransactionSize ? monthMaxTransactionSize : Double.MIN_VALUE), min).stream().max(Double::compareTo).get();
//中小型 没有资产负债率调整系数
score=(companyScale.equals("大型")?max*zcfzltzxs:max)+dyw+dbe;
score=score<50?0:score;//若计算得出的授信额度＜50，按照授信额度为0处理
return new BigDecimal(score).setScale(2,BigDecimal.ROUND_HALF_UP);
}
//创建制造模型
public BigDecimal createManufactureModel(CreditGrantingInfo creditGrantingInfo) {
//1、企业规模
this.companyScale=financeIndex.getCompanyScale("制造类企业");
//1.有效净资产ENA
Double ENA=cur.getTotalEquity().doubleValue();
//2.信用等级调整系数CR
Double CR=financeIndex.calculation_indicators(creditLv,"信用等级调整系数",null);
//3.所有制类型调整系数OS
Double OS=financeIndex.calculation_indicators(creditGrantingInfo.getCompanyNature(),"所有制类型调整系数",null);
//4.上市调整系数LT
Double LT=financeIndex.idx_sstzxs(creditGrantingInfo.getBasicInfo());
//5.资产负债率调整系数DT
Double zcfzl = financeIndex.idx_zcfzl();
Double DT=financeIndex.calculation_indicators(zcfzl,"资产负债率调整系数",null);
//还本能力上限CE
Double CE=last.getOperRev().doubleValue();
//
//抵押信息=抵押物评估价值*折扣率
Double dyw=financeIndex.idx_dyw( creditGrantingInfo);
//保证额*30%
Double dbe=financeIndex.idx_dbe(creditGrantingInfo);
Double establishDate = financeIndex.getCompanyEstablishYear(JsonPathUtils.jsonPathDate(JSONObject.parseObject(creditGrantingInfo.getBasicInfo()), "establishDate"));
boolean newCompany=false; //如果新建企业 则不计算ce (是新企业赋值最大值)
Double score=Math.min((ENA*CR*OS*LT*DT),newCompany?Double.MAX_VALUE:CE)+dyw+dbe;
return new BigDecimal(score).setScale(2,BigDecimal.ROUND_HALF_UP);
}
public static enum Index{
XXX("")
;
public String name;
Index(String name) {
this.name = name;
}
}
}