微服务项目：尚融宝（55）（核心业务流程：放款（2））
认清现实，放弃幻想，准备斗争
1、生成还款计划
LendServiceImpl
@Resource
private LendReturnService lendReturnService;@Resource
private LendItemReturnService lendItemReturnService;
/**
* 还款计划
*
* @param lend
*/
private void repaymentPlan(Lend lend) {
//还款计划列表
List<LendReturn> lendReturnList = new ArrayList<>();
//按还款时间生成还款计划
int len = lend.getPeriod().intValue();
for (int i = 1; i <= len; i++) {
//创建还款计划对象
LendReturn lendReturn = new LendReturn();
lendReturn.setReturnNo(LendNoUtils.getReturnNo());
lendReturn.setLendId(lend.getId());
lendReturn.setBorrowInfoId(lend.getBorrowInfoId());
lendReturn.setUserId(lend.getUserId());
lendReturn.setAmount(lend.getAmount());
lendReturn.setBaseAmount(lend.getInvestAmount());
lendReturn.setLendYearRate(lend.getLendYearRate());
lendReturn.setCurrentPeriod(i);//当前期数
lendReturn.setReturnMethod(lend.getReturnMethod());
//说明：还款计划中的这三项 = 回款计划中对应的这三项和：因此需要先生成对应的回款计划
// lendReturn.setPrincipal();
// lendReturn.setInterest();
// lendReturn.setTotal();
lendReturn.setFee(new BigDecimal(0));
lendReturn.setReturnDate(lend.getLendStartDate().plusMonths(i)); //第二个月开始还款
lendReturn.setOverdue(false);
if (i == len) { //最后一个月
//标识为最后一次还款
lendReturn.setLast(true);
} else {
lendReturn.setLast(false);
}
lendReturn.setStatus(0);
lendReturnList.add(lendReturn);
}
//批量保存
lendReturnService.saveBatch(lendReturnList);
//获取lendReturnList中还款期数与还款计划id对应map
Map<Integer, Long> lendReturnMap = lendReturnList.stream().collect(
Collectors.toMap(LendReturn::getCurrentPeriod, LendReturn::getId)
);
//======================================================
//=============获取所有投资者，生成回款计划===================
//======================================================
//回款计划列表
List<LendItemReturn> lendItemReturnAllList = new ArrayList<>();
//获取投资成功的投资记录
List<LendItem> lendItemList = lendItemService.selectByLendId(lend.getId(), 1);
for (LendItem lendItem : lendItemList) {
//创建回款计划列表
List<LendItemReturn> lendItemReturnList = this.returnInvest(lendItem.getId(), lendReturnMap, lend);
lendItemReturnAllList.addAll(lendItemReturnList);
}
//更新还款计划中的相关金额数据
for (LendReturn lendReturn : lendReturnList) {
BigDecimal sumPrincipal = lendItemReturnAllList.stream()
//过滤条件：当回款计划中的还款计划id == 当前还款计划id的时候
.filter(item -> item.getLendReturnId().longValue() == lendReturn.getId().longValue())
//将所有回款计划中计算的每月应收本金相加
.map(LendItemReturn::getPrincipal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
BigDecimal sumInterest = lendItemReturnAllList.stream()
.filter(item -> item.getLendReturnId().longValue() == lendReturn.getId().longValue())
.map(LendItemReturn::getInterest)
.reduce(BigDecimal.ZERO, BigDecimal::add);
BigDecimal sumTotal = lendItemReturnAllList.stream()
.filter(item -> item.getLendReturnId().longValue() == lendReturn.getId().longValue())
.map(LendItemReturn::getTotal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
lendReturn.setPrincipal(sumPrincipal); //每期还款本金
lendReturn.setInterest(sumInterest); //每期还款利息
lendReturn.setTotal(sumTotal); //每期还款本息
}
lendReturnService.updateBatchById(lendReturnList);
}//说明：还款计划中的这三项 = 回款计划中对应的这三项和：因此需要先生成对应的回款计划
// lendReturn.setPrincipal();
// lendReturn.setInterest();
// lendReturn.setTotal();
BigDecimal sumPrincipal = lendItemReturnAllList.stream()
//过滤条件：当回款计划中的还款计划id == 当前还款计划id的时候
.filter(item -> item.getLendReturnId().longValue() == lendReturn.getId().longValue())
//将所有回款计划中计算的每月应收本金相加
.map(LendItemReturn::getPrincipal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
2、生成回款计划
LendServiceImpl
* @param lendItemId
* @param lendReturnMap 还款期数与还款计划id对应map
* @param lend
* @return
public List<LendItemReturn> returnInvest(Long lendItemId, Map<Integer, Long> lendReturnMap, Lend lend) {
//投标信息
LendItem lendItem = lendItemService.getById(lendItemId);
//投资金额
BigDecimal amount = lendItem.getInvestAmount();
//年化利率
BigDecimal yearRate = lendItem.getLendYearRate();
//投资期数
int totalMonth = lend.getPeriod();
Map<Integer, BigDecimal> mapInterest = null; //还款期数 -> 利息
Map<Integer, BigDecimal> mapPrincipal = null; //还款期数 -> 本金
//根据还款方式计算本金和利息
if (lend.getReturnMethod().intValue() == ReturnMethodEnum.ONE.getMethod()) {
//利息
mapInterest = Amount1Helper.getPerMonthInterest(amount, yearRate, totalMonth);
//本金
mapPrincipal = Amount1Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
} else if (lend.getReturnMethod().intValue() == ReturnMethodEnum.TWO.getMethod()) {
mapInterest = Amount2Helper.getPerMonthInterest(amount, yearRate, totalMonth);
mapPrincipal = Amount2Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
} else if (lend.getReturnMethod().intValue() == ReturnMethodEnum.THREE.getMethod()) {
mapInterest = Amount3Helper.getPerMonthInterest(amount, yearRate, totalMonth);
mapPrincipal = Amount3Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
} else {
mapInterest = Amount4Helper.getPerMonthInterest(amount, yearRate, totalMonth);
mapPrincipal = Amount4Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
}
//创建回款计划列表
List<LendItemReturn> lendItemReturnList = new ArrayList<>();
for (Map.Entry<Integer, BigDecimal> entry : mapInterest.entrySet()) {
Integer currentPeriod = entry.getKey();
//根据还款期数获取还款计划的id
Long lendReturnId = lendReturnMap.get(currentPeriod);
LendItemReturn lendItemReturn = new LendItemReturn();
lendItemReturn.setLendReturnId(lendReturnId);
lendItemReturn.setLendItemId(lendItemId);
lendItemReturn.setInvestUserId(lendItem.getInvestUserId());
lendItemReturn.setLendId(lendItem.getLendId());
lendItemReturn.setInvestAmount(lendItem.getInvestAmount());
lendItemReturn.setLendYearRate(lend.getLendYearRate());
lendItemReturn.setCurrentPeriod(currentPeriod);
lendItemReturn.setReturnMethod(lend.getReturnMethod());
//最后一次本金计算
if (lendItemReturnList.size() > 0 && currentPeriod.intValue() == lend.getPeriod().intValue()) {
//最后一期本金 = 本金 - 前几次之和
BigDecimal sumPrincipal = lendItemReturnList.stream()
.map(LendItemReturn::getPrincipal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
//最后一期应还本金 = 用当前投资人的总投资金额 - 除了最后一期前面期数计算出来的所有的应还本金
BigDecimal lastPrincipal = lendItem.getInvestAmount().subtract(sumPrincipal);
lendItemReturn.setPrincipal(lastPrincipal);
} else {
lendItemReturn.setPrincipal(mapPrincipal.get(currentPeriod));
lendItemReturn.setInterest(mapInterest.get(currentPeriod));
}
lendItemReturn.setTotal(lendItemReturn.getPrincipal().add(lendItemReturn.getInterest()));
lendItemReturn.setFee(new BigDecimal("0"));
lendItemReturn.setReturnDate(lend.getLendStartDate().plusMonths(currentPeriod));
//是否逾期，默认未逾期
lendItemReturn.setOverdue(false);
lendItemReturn.setStatus(0);
lendItemReturnList.add(lendItemReturn);
}
lendItemReturnService.saveBatch(lendItemReturnList);
return lendItemReturnList;
}//最后一次本金计算
if (lendItemReturnList.size() > 0 && currentPeriod.intValue() == lend.getPeriod().intValue()) {
//最后一期本金 = 本金 - 前几次之和
BigDecimal sumPrincipal = lendItemReturnList.stream()
.map(LendItemReturn::getPrincipal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
//最后一期应还本金 = 用当前投资人的总投资金额 - 除了最后一期前面期数计算出来的所有的应还本金
BigDecimal lastPrincipal = lendItem.getInvestAmount().subtract(sumPrincipal);
lendItemReturn.setPrincipal(lastPrincipal);
} else {
lendItemReturn.setPrincipal(mapPrincipal.get(currentPeriod));
lendItemReturn.setInterest(mapInterest.get(currentPeriod));
}
3、在makeLoan中调用
LendServiceImpl
//放款成功生成借款人还款计划和投资人回款计划
this.repaymentPlan(lend);
