internal InstalmentPolicyDetail(IDBRow dataRow)
{
this.InstalmentPolicyId = dataRow.GetColumn <Guid>("InstalmentPolicyId");
this.IsActive = (bool)dataRow["IsActive"];
this.InstalmentFeeType = (InstalmentFeeType)dataRow.GetColumn <int>("AdministrationFeeBase");
this.InstalmentFeeRate = dataRow.GetColumn <decimal>("AdministrationFee");
this.PrepaymentFeeType = (PrepaymentFeeType)dataRow.GetColumn <int>("ContractTerminateType");
this.PrepaymentFeeRate = dataRow.GetColumn <decimal>("ContractTerminateFee");
this.DownPaymentBasis = (DownPaymentBasis)dataRow.GetColumn <int>("DownPaymentBasis");
this.LatePaymentAutoCutDay = dataRow.GetColumn <int>("LatePaymentAutoCutDay");
this.AutoCutPenaltyValue = dataRow.GetColumn <decimal>("AutoCutPenaltyValue");
this.AutoCutPenaltyBase = (AutoCutPenaltyBase)dataRow.GetColumn <int>("AutoCutPenaltyBase");
this.InterestRate = dataRow.GetColumn <decimal>("InterestRate");
this.ClosePenaltyValue = dataRow.GetColumn <decimal>("ClosePenaltyValue");
this.ClosePenaltyBase = (ClosePenaltyBase)dataRow.GetColumn <int>("ClosePenaltyBase");
this.DebitInterestRatio = dataRow.GetColumn <decimal>("DebitInterestRatio");
this.DebitFreeDays = dataRow.GetColumn <int>("DebitFreeDays");
this.DebitInterestType = dataRow.GetColumn <int>("DebitInterestType");
int period = dataRow.GetColumn <int>("Period");
InstalmentFrequence frequence = (InstalmentFrequence)dataRow.GetColumn <int>("Frequence");
this.Period = new InstalmentPeriod(period, frequence);
}
internal InstalmentPolicyDetail(DB.DBMapping.InstalmentPolicyDetail detail)
{
this.InstalmentPolicyId = detail.InstalmentPolicyId;
this.IsActive = detail.IsActive;
this.InstalmentFeeType = (InstalmentFeeType)detail.AdministrationFeeBase;
this.InstalmentFeeRate = detail.AdministrationFee;
this.PrepaymentFeeType = (PrepaymentFeeType)detail.ContractTerminateType;
this.PrepaymentFeeRate = detail.ContractTerminateFee;
this.DownPaymentBasis = (DownPaymentBasis)detail.DownPaymentBasis;
this.LatePaymentAutoCutDay = detail.LatePaymentAutoCutDay;
this.AutoCutPenaltyValue = detail.AutoCutPenaltyValue;
this.AutoCutPenaltyBase = (AutoCutPenaltyBase)detail.AutoCutPenaltyBase;
this.InterestRate = detail.InterestRate;
this.ClosePenaltyValue = detail.ClosePenaltyValue;
this.ClosePenaltyBase = (ClosePenaltyBase)detail.ClosePenaltyBase;
this.DebitInterestRatio = detail.DebitInterestRatio;
this.DebitFreeDays = detail.DebitFreeDays;
this.DebitInterestType = detail.DebitInterestType;
int period = detail.Period;
InstalmentFrequence frequence = (InstalmentFrequence)detail.Frequence;
this.Period = new InstalmentPeriod(period, frequence);
}
internal void Remove(int period, InstalmentFrequence frequence)
{
if (_instalmentPolicyDetails.ContainsKey(new InstalmentPeriod(period, frequence)))
{
_instalmentPolicyDetails.Remove(new InstalmentPeriod(period, frequence));
}
}
private static InstalmentConstructParams ParseInstalment(IDBRow dataRowOrder)
{
InstalmentConstructParams result = new InstalmentConstructParams();
if (dataRowOrder["InstalmentPolicyId"] == DBNull.Value)
{
return(null);
}
result.InstalmentPolicyId = (Guid)dataRowOrder["InstalmentPolicyId"];
int period = (int)dataRowOrder["Period"];
if (dataRowOrder["InstalmentFrequence"] == DBNull.Value)
{
throw new InitializeEntityFromDBException("Order", "InstalmentFrequence");
}
InstalmentFrequence instalmentFrequence = (InstalmentFrequence)((int)dataRowOrder["InstalmentFrequence"]);
result.Period = period;
result.Frequence = instalmentFrequence;
result.DownPayment = (decimal)dataRowOrder["DownPayment"];
result.InstalmentType = (InstalmentType)((int)dataRowOrder["PhysicalInstalmentType"]);
result.RecalculateRateType = (RecalculateRateType)((int)dataRowOrder["RecalculateRateType"]);
result.IsInstalmentOverdue = (bool)dataRowOrder["IsInstalmentOverdue"];
result.InstalmentOverdueDay = (int)dataRowOrder["InstalmentOverdueDay"];
result.DownPaymentBasis = (Protocal.DownPaymentBasis)((int)dataRowOrder["DownPaymentBasis"]);
return(result);
}
internal int CalculateInstalmentQuantity(int period, InstalmentFrequence frequence)
{
int result = period;
if (frequence == InstalmentFrequence.TwoWeek)
{
result = (int)Math.Ceiling(period * (52.0 / 12.0 / 2.0));
}
else if (frequence == InstalmentFrequence.Season)
{
result = (int)Math.Ceiling(period * (4.0 / 12.0));
}
return(result);
}
private decimal CalculateMonthRate(decimal interestRate, InstalmentFrequence frequence)
{
// @rate / (CASE @frequence WHEN @FREQUENCE_MONTH THEN 12.0 WHEN @FREQUENCE_QUARTER THEN 4.0 ELSE 26.0 END)
decimal dividend;
if (frequence == InstalmentFrequence.Month)
{
dividend = 12m;
}
else if (frequence == InstalmentFrequence.Season)
{
dividend = 4m;
}
else
{
dividend = 26m;
}
return(interestRate / dividend);
}
internal DateTime CalculatePaymentDateTimeOnPlan(InstalmentFrequence frequence, int period, DateTime tradeDay)
{
DateTime result = tradeDay;
if (frequence == InstalmentFrequence.Month)
{
result = tradeDay.AddMonths(period);
}
else if (frequence == InstalmentFrequence.Season)
{
result = tradeDay.AddMonths(period * 3);
}
else if (frequence == InstalmentFrequence.TwoWeek)
{
result = tradeDay.AddDays(period * 2 * 7);
}
else if (frequence == InstalmentFrequence.Year)
{
result = tradeDay.AddYears(period);
}
return(result);
}
private DateTime CalculateDateTimeOnPlan(DateTime tradeDay, InstalmentFrequence frequence, int period)
{
DateTime result;
int i = period + 1;
if (frequence == InstalmentFrequence.Month)
{
result = tradeDay.AddMonths(i);
}
else if (frequence == InstalmentFrequence.Season)
{
result = tradeDay.AddMonths(i * 3);
}
else if (frequence == InstalmentFrequence.TwoWeek)
{
result = tradeDay.AddDays(i * 2 * 7);
}
else if (frequence == InstalmentFrequence.Year)
{
result = tradeDay.AddYears(i);
}
else
{
throw new InstalmentFrequenceException(frequence);
}
var dayOfWeek = result.DayOfWeek;
if (dayOfWeek == DayOfWeek.Sunday)
{
result = result.AddDays(1);
}
else if (dayOfWeek == DayOfWeek.Saturday)
{
result = result.AddDays(2);
}
return(result);
}
///// <summary>
///// 方式：等本息还款
///// </summary>
///// <param name="totalPeriod">期限</param>
///// <param name="balance">总金额</param>
///// <param name="interestRate">年利率</param>
//public static List<InstalmentDetail> CalculateEqualInstalment(PhysicalOrder order, decimal balance, int totalPeriod, InstalmentFrequence frequence, decimal interestRate, DateTime tradeDay, int decimals)
//{
// //InstalmentDetailCalculator.Decimals = decimals;
// //decimal principal = 0;
// //decimal rate0 = decimal.MinValue, instalmentAmount = decimal.MinValue;
// //decimal remainBalance = balance;
// //List<InstalmentDetail> result = new List<InstalmentDetail>();
// //for (int eachPeriod = 1; eachPeriod <= totalPeriod; eachPeriod++)
// //{
// // decimal interest = InstalmentDetailCalculator.Round(remainBalance * rate);//每期要还的利息
// // if (rate != 0)
// // {
// // if (rate0 != rate)
// // {
// // instalmentAmount = GetRepaymentAmount(remainBalance, rate0 = rate, totalPeriod);//计算每期要还的钱
// // }
// // principal = instalmentAmount - interest;//每期要还的本金
// // remainBalance -= principal;//剩余本金
// // if (eachPeriod == totalPeriod && balance != 0)
// // {
// // principal += balance;
// // interest -= balance;
// // remainBalance = 0;
// // }
// // }
// // else
// // {
// // instalmentAmount = principal;
// // }
// // var paymentDateTimeOnPlan = InstalmentCalculator.Default.CalculatePaymentDateTimeOnPlan(frequence, eachPeriod, tradeDay);
// // var instalmentDetail = new InstalmentDetail(order, eachPeriod, principal, interest, 0m, paymentDateTimeOnPlan, null);
// // result.Add(instalmentDetail);
// //}
// //return result;
//}
///// <summary>
///// 方式：等本金还款
///// </summary>
///// <param name="totalPeriod">期限</param>
///// <param name="amount">总金额</param>
///// <param name="monthRate">年利率</param>
//public static List<InstalmentDetail> CalculateEqualPrincipal(PhysicalOrder order, decimal amount, int totalPeriod, InstalmentFrequence frequence, decimal monthRate, DateTime tradeDay, int decimals)
//{
// InstalmentDetailCalculator.Decimals = decimals;
// decimal principal = 0;
// decimal remainAmount = amount;
// principal = InstalmentDetailCalculator.Round(amount / totalPeriod);
// List<InstalmentDetail> result = new List<InstalmentDetail>();
// decimal interest = 0m;
// for (int eachPeriod = 1; eachPeriod <= totalPeriod; eachPeriod++)
// {
// principal = InstalmentDetailCalculator.Round(amount / totalPeriod);
// interest = InstalmentDetailCalculator.Round(remainAmount * monthRate);
// var instalmentDetail = InstalmentDetailCalculator.CalculateInstalmentDetail(order, rate, eachPeriod, frequence, tradeDay, totalPeriod, remainAmount, principal);
// result.Add(instalmentDetail);
// remainAmount = InstalmentDetailCalculator.Round(remainAmount - principal);//剩余本金
// }
// return result;
//}
private static InstalmentDetail CalculateInstalmentDetail(PhysicalOrder order, decimal rate, int instalmentPeriod, InstalmentFrequence frequence, DateTime tradeDay, int lastPeriod, decimal balance, decimal originPrincipal)
{
decimal interest = 0m;
decimal principal = originPrincipal;
if (rate != 0)
{
interest = InstalmentDetailCalculator.Round(balance * rate);//每期要还的利息=上个月的剩余本金×每期利率
}
if (instalmentPeriod != 1)
{
if (instalmentPeriod == lastPeriod && balance != 0)
{
principal = InstalmentDetailCalculator.Round(principal + balance);
if (rate != 0)
{
interest = InstalmentDetailCalculator.Round(interest - balance);
}
}
}
var instalmentAmount = InstalmentDetailCalculator.Round(principal + interest);
DateTime paymentDateTimeOnPlan = InstalmentCalculator.Default.CalculatePaymentDateTimeOnPlan(frequence, instalmentPeriod, tradeDay);
return(new InstalmentDetail(order, instalmentPeriod, principal, interest, 0m, paymentDateTimeOnPlan, null));
}
internal void Update(XElement xmlNode)
{
foreach (XAttribute attribute in xmlNode.Attributes())
{
if (attribute.Name == "InstalmentPolicyId")
{
this.InstalmentPolicyId = Guid.Parse(attribute.Value);
}
else if (attribute.Name == "IsActive")
{
this.IsActive = XmlConvert.ToBoolean(attribute.Value);
}
else if (attribute.Name == "Period")
{
int period = int.Parse(attribute.Value);
this.Period = new InstalmentPeriod(period, this.Period == null ? InstalmentFrequence.Month : this.Period.Frequence);
}
else if (attribute.Name == "Frequence")
{
InstalmentFrequence frequence = (InstalmentFrequence)(int.Parse(attribute.Value));
this.Period = new InstalmentPeriod(this.Period == null ? 0 : this.Period.Period, frequence);
}
else if (attribute.Name == "DownPaymentBasis")
{
this.DownPaymentBasis = (DownPaymentBasis)(int.Parse(attribute.Value));
}
else if (attribute.Name == "AdministrationFeeBase")
{
this.InstalmentFeeType = (InstalmentFeeType)(int.Parse(attribute.Value));
}
else if (attribute.Name == "AdministrationFee")
{
this.InstalmentFeeRate = decimal.Parse(attribute.Value);
}
else if (attribute.Name == "ContractTerminateType")
{
this.PrepaymentFeeType = (PrepaymentFeeType)(int.Parse(attribute.Value));
}
else if (attribute.Name == "ContractTerminateFee")
{
this.PrepaymentFeeRate = decimal.Parse(attribute.Value);
}
else if (attribute.Name == "AutoCutPenaltyBase")
{
this.AutoCutPenaltyBase = (AutoCutPenaltyBase)(int.Parse(attribute.Value));
}
else if (attribute.Name == "AutoCutPenaltyValue")
{
this.AutoCutPenaltyValue = decimal.Parse(attribute.Value);
}
else if (attribute.Name == "LatePaymentAutoCutDay")
{
this.LatePaymentAutoCutDay = int.Parse(attribute.Value);
}
else if (attribute.Name == "ClosePenaltyBase")
{
this.ClosePenaltyBase = (ClosePenaltyBase)(int.Parse(attribute.Value));
}
else if (attribute.Name == "ClosePenaltyValue")
{
this.ClosePenaltyValue = decimal.Parse(attribute.Value);
}
}
}
internal InstalmentPeriod(int period, InstalmentFrequence frequence)
{
_period = period;
_frequence = frequence;
}
internal InstalmentFrequenceException(InstalmentFrequence frequence)
{
this.Frequence = frequence;
}
