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);
