/// <summary>
/// 创建基本科目（包括本金、利息、管理费）
/// </summary>
/// <param name="business">业务对象</param>
/// <returns>返回款项集合</returns>
public override List <BillItem> CreateBaseItems(bool isLast = false)
{
List <BillItem> billItem = new List <BillItem>();
// 添加信托方扣款项目
if (Business.LendingSideID > 0)
{
var capital = SubjectFormula.CalculatCapital(Business.LoanCapital, Business.LoanPeriod);
var interest = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.InterestRate);
// 判断当期帐单属于第几期帐单,最后一期普通帐单（本金按余额计）
if (isLast)
{
capital = SubjectFormula.CalculatCapitalOver(Business.LoanCapital, Business.LoanPeriod);
}
billItem.Add(CreateBillItem(EnumCostSubject.Capital, capital));
billItem.Add(CreateBillItem(EnumCostSubject.Interest, interest));
}
// 添加管理方扣款项目
if (Business.ServiceSideID > 0)
{
var mangeFee = SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, false);
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee, mangeFee));
}
return(billItem);
}
/// <summary>
/// 获取信用贷款每期应还基本科目
/// </summary>
/// <param name="business">业务对象</param>
/// <returns>返回款项集合</returns>
public override List <BillItem> GetBaseItemsByMonth()
{
List <BillItem> billItem = new List <BillItem>();
// 添加信托方扣款项目（1、本金 2、利息）
if (Business.LendingSideID > 0)
{
var capital = SubjectFormula.CalculatCapital(Business.LoanCapital, Business.LoanPeriod);
billItem.Add(CreateBillItem(EnumCostSubject.Capital, capital));
var interest = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.InterestRate);
billItem.Add(CreateBillItem(EnumCostSubject.Interest, interest));
}
// 添加服务方和担保方扣款项目
if (Business.ServiceSideID > 0 && Business.GuaranteeSideID > 0)
{
var servicehalf = SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, true);
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee, servicehalf));
billItem.Add(CreateBillItem(EnumCostSubject.GuaranteeFee, servicehalf));
}
else if (Business.ServiceSideID > 0)
{
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee,
SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, false)));
}
return(billItem);
}
private List <BillItem> GetBillItem(bool isLast = false)
{
List <BillItem> billItem = new List <BillItem>();
// 添加信托方扣款项目
if (Business.LendingSideID > 0)
{
decimal capital = 0.0M;
// 判断当期帐单属于第几期帐单,最后一期普通帐单（本金按余额计）
if (isLast)
{
capital = SubjectFormula.CalcuateCapitalOver(Business.LoanCapital
, Business.CapitalRate.HasValue ? Business.CapitalRate.Value : 0, Business.LoanPeriod);
}
else
{
capital = SubjectFormula.CalcuLateCapitalByRate(Business.LoanCapital
, Business.CapitalRate.HasValue ? Business.CapitalRate.Value : 0);
}
var interest = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.InterestRate);
billItem.Add(CreateBillItem(EnumCostSubject.Capital, capital));
billItem.Add(CreateBillItem(EnumCostSubject.Interest, interest));
}
if (Business.ServiceRate > 0)
{
var service = SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, false);
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee, service));
}
return(billItem);
}
/// <summary>
/// 创建罚息科目（因逾期而产生的上期帐单罚息）
/// 费用算法：一次性为上期帐单生成上月20日至今的罚息合计
/// </summary>
/// <param name="business">订单对象</param>
/// <returns>返回罚息款项</returns>
public override BillItem CreatePunitiveInterest(DateTime limitTime, List <PenaltyInt> penaltyInts)
{
// 获取当期帐单，为NULL或已在第三次扣失日前全额付清则继续循环
var nbills = BillDAL.GetNormalBills(Business.Bills);
var prevBill = nbills.FirstOrDefault(p => p.BillMonth == _PrevMonth);
var curBill = nbills.FirstOrDefault(p => p.BillMonth == _CurMonth);
// 判断是否存在原因帐单或当期帐单，不存在则返回NULL
if (prevBill == null || curBill == null || Business.Bills.Count == 1 ||
(limitTime >= prevBill.FullPaidTime && prevBill.FullPaidTime != null))
{
return(null);
}
// 获取本金、利息、管理费等参与科目，计算上期所欠本息或租金
var subjects = new List <byte> {
(byte)EnumCostSubject.Capital, (byte)EnumCostSubject.Interest
};
// 获取上期帐单的本息欠费
decimal debtsPrincipal = prevBill.BillItems.Where(p => subjects.Contains(p.Subject))
.Sum(s => s.DueAmt - s.ReceivedAmt);
// 判断上期帐单是否存在未归还所欠本息或租金，无则不生成罚息
if (debtsPrincipal <= 0)
{
return(null);
}
var beginDay = DateTime.Now.AddMonths(-1).SetDay(21);
// 在罚息表中计算罚息金额
CalculatPenaltyInt(penaltyInts, debtsPrincipal, prevBill.BillID, curBill.BillID, beginDay);
// 当所欠本息大于零时，计算从上月21日至今天数的罚息
var totalDays = DateTime.Now - beginDay;
debtsPrincipal = SubjectFormula.CalculatPunitiveInterest(debtsPrincipal,
Business.PenaltyRate, totalDays.Days);
// 判断欠费帐单是否存在未归还所欠本息或租金，无则不生成罚息
if (debtsPrincipal <= 0)
{
return(null);
}
// 创建罚息科目（科目名称、金额）
return(CreateBillItem(EnumCostSubject.PunitiveInterest, debtsPrincipal, false, curBill.BillID));
}
/// <summary>
/// 获取信用贷款每期应还基本科目
/// </summary>
/// <param name="business">业务对象</param>
/// <returns>返回款项集合</returns>
public override List <BillItem> GetBaseItemsByMonth()
{
List <BillItem> billItem = new List <BillItem>();
// 添加信托方扣款项目（1、本金 2、利息）
if (Business.LendingSideID > 0)
{
var capital = SubjectFormula.CalculatCapital(Business.LoanCapital, Business.LoanPeriod);
billItem.Add(CreateBillItem(EnumCostSubject.Capital, capital));
var interest = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.InterestRate);
billItem.Add(CreateBillItem(EnumCostSubject.Interest, interest));
}
return(billItem);
}
/// <summary>
/// 未出账金款项列表
/// </summary>
/// <param name="filter"></param>
/// <returns></returns>
private List <BillItem> NoCreateBillItem(BusinessGuaranteeSaveFilter filter)
{
List <BillItem> billitems = new List <BillItem>();
int num = filter.LoanPeriod - Singleton <GuarLitigationSaveDAL> .Instance.GetNormalBillsCount(filter.BusinessID);
//本金
decimal bj = filter.LoanCapital - Singleton <GuarLitigationSaveDAL> .Instance.GetBillItemsAmount(filter.BusinessID);
if (bj > 0)
{
billitems.Add(CreateBillItem(EnumCostSubject.Capital, bj, filter.UserId));
}
//利息
decimal lx = SubjectFormula.CalculatInterest(filter.LoanCapital, filter.InterestRate) * num;
if (lx > 0)
{
billitems.Add(CreateBillItem(EnumCostSubject.Interest, lx, filter.UserId));
}
//服务费\担保费
decimal dbfwf = SubjectFormula.CalculatServiceFee(filter.LoanCapital, filter.ServiceRate, true) * num;
if (dbfwf > 0)
{
if (string.IsNullOrEmpty(filter.GuaranteeSideKey))
{
billitems.Add(CreateBillItem(EnumCostSubject.ServiceFee, dbfwf * 2, filter.UserId));
}
else
{
billitems.Add(CreateBillItem(EnumCostSubject.ServiceFee, dbfwf, filter.UserId));
billitems.Add(CreateBillItem(EnumCostSubject.GuaranteeFee, dbfwf, filter.UserId));
}
}
//服务费扣失
decimal fwfks = SubjectFormula.CalculatBuckleFail(filter.ContractNo) * num;;
if (fwfks > 0)
{
billitems.Add(CreateBillItem(EnumCostSubject.ServiceBuckleFail, fwfks, filter.UserId));//服务费扣失
}
return(billitems);
}
/// <summary>
/// 计算日罚息区间
/// </summary>
protected void CalculatPenaltyInt(List <PenaltyInt> penaltyInts, decimal debtsPrincipal,
long reasonId, long toBillId, DateTime beginDay)
{
var interval = DateTime.Now.SetDay(1);
// 罚息从上月21日开始起算，分隔日为上月月末，计算罚息金额
var prevDays = interval - beginDay;
var prevAmount = SubjectFormula.CalculatPunitiveInterest(debtsPrincipal,
Business.PenaltyRate, prevDays.Days);
// 罚息从当月月头开始起算，分隔日为今天，计算罚息金额
var curDays = DateTime.Now - interval;
var curAmount = SubjectFormula.CalculatPunitiveInterest(debtsPrincipal,
Business.PenaltyRate, curDays.Days);
// 在罚息表中插入上月罚息金额和当月罚息金额
penaltyInts.Add(NewPenaltyInt(Business.BusinessID, reasonId, toBillId, prevAmount, false, interval.AddDays(-1)));
penaltyInts.Add(NewPenaltyInt(Business.BusinessID, reasonId, toBillId, curAmount));
}
private List <BillItem> GetBillItem(bool isLast = false)
{
List <BillItem> billItem = new List <BillItem>();
// 添加信托方扣款项目
if (Business.LendingSideID > 0)
{
decimal capital = 0.0M;
// 判断当期帐单属于第几期帐单,最后一期普通帐单（本金按余额计）
if (isLast)
{
capital = SubjectFormula.CalcuateCapitalOver(Business.LoanCapital, Business.CapitalRate.HasValue ? Business.CapitalRate.Value:0, Business.LoanPeriod);
}
else
{
capital = SubjectFormula.CalcuLateCapitalByRate(Business.LoanCapital, Business.CapitalRate.HasValue ? Business.CapitalRate.Value:0);
}
var interest = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.InterestRate);
billItem.Add(CreateBillItem(EnumCostSubject.Capital, capital));
billItem.Add(CreateBillItem(EnumCostSubject.Interest, interest));
}
// 添加服务方和担保方扣款项目
if (Business.ServiceSideID > 0 && Business.GuaranteeSideID > 0 &&
Business.GuaranteeSideKey != SysConst.COMPANY_WX_SHWX_SERVICE &&
Business.ServiceRate > 0)
{
var servicehalf = SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, true);
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee, servicehalf));
billItem.Add(CreateBillItem(EnumCostSubject.GuaranteeFee, servicehalf));
}
else if (Business.ServiceSideID > 0 && Business.ServiceRate > 0)
{
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee,
SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, false)));
}
return(billItem);
}
/// <summary>
/// 获取信用贷款所有基本款项
/// </summary>
/// <param name="business">业务对象</param>
/// <returns>返回款项集合</returns>
public override List <BillItem> GetBaseItemsByMonth()
{
List <BillItem> billItem = new List <BillItem>();
// 添加信托方扣款项目（本金、利息、管理费）
if (Business.LendingSideID > 0)
{
var capital = SubjectFormula.CalculatCapital(Business.LoanCapital, Business.LoanPeriod);
billItem.Add(CreateBillItem(EnumCostSubject.Capital, capital));
var interest = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.InterestRate);
billItem.Add(CreateBillItem(EnumCostSubject.Interest, interest));
//月管理费
if (Business.ManagementRate.HasValue)
{
var managementFee = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.ManagementRate.Value);
billItem.Add(CreateBillItem(EnumCostSubject.Manage, managementFee));
}
var serviceFee = SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, false);
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee, serviceFee));
}
return(billItem);
}
/// <summary>
/// 创建扣失科目（因逾期而产生的本息扣失、管理费扣失）
/// </summary>
public override List <BillItem> CreateBuckleFail(DateTime limitTime)
{
List <BillItem> items = new List <BillItem>();
// 获取当期帐单
var curBill = BillDAL.GetNormalBills(Business.Bills).FirstOrDefault(p => p.BillMonth == _CurMonth);
// 无当期帐单 或者 有全额支付时间且全额支付时间是在扣失日之前（包括当天）的则不生成扣失
if (curBill == null || (limitTime >= curBill.FullPaidTime && curBill.FullPaidTime != null))
{
return(items);
}
// 判断当期帐单是否应生成本息扣失
List <byte> subjects = new List <byte> {
(byte)EnumCostSubject.Capital, (byte)EnumCostSubject.Interest
};
if (IsCreateBuckleFail(subjects, curBill))
{
items.Add(CreateBillItem(EnumCostSubject.InterestBuckleFail,
SubjectFormula.CalculatBuckleFail(Business.ContractNo), true, curBill.BillID));
}
// 判断当期帐单是否应生成服务费担保费扣失
subjects = new List <byte> {
(byte)EnumCostSubject.ServiceFee, (byte)EnumCostSubject.GuaranteeFee
};
if (IsCreateBuckleFail(subjects, curBill))
{
items.Add(CreateBillItem(EnumCostSubject.ServiceBuckleFail,
SubjectFormula.CalculatBuckleFail(Business.ContractNo), true, curBill.BillID));
}
return(items);
}
/// <summary>
/// 创建基本款项（包括本金、利息、服务费、担保费）
/// </summary>
/// <param name="business">业务对象</param>
/// <returns>返回款项集合</returns>
public override List <BillItem> CreateBaseItems(bool isLast = false)
{
List <BillItem> billItem = new List <BillItem>();
// 添加信托方扣款项目
if (Business.LendingSideID > 0)
{
var capital = SubjectFormula.CalculatCapital(Business.LoanCapital, Business.LoanPeriod);
var interest = SubjectFormula.CalculatInterest(Business.LoanCapital, Business.InterestRate);
// 判断当期帐单属于第几期帐单,最后一期普通帐单（本金按余额计）
if (isLast)
{
capital = SubjectFormula.CalculatCapitalOver(Business.LoanCapital, Business.LoanPeriod);
}
billItem.Add(CreateBillItem(EnumCostSubject.Capital, capital));
billItem.Add(CreateBillItem(EnumCostSubject.Interest, interest));
}
// 添加服务方和担保方扣款项目
if (Business.ServiceSideID > 0 && Business.GuaranteeSideID > 0 &&
Business.GuaranteeSideKey != SysConst.COMPANY_WX_SHWX_SERVICE)
{
var servicehalf = SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, true);
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee, servicehalf));
billItem.Add(CreateBillItem(EnumCostSubject.GuaranteeFee, servicehalf));
}
else if (Business.ServiceSideID > 0)
{
billItem.Add(CreateBillItem(EnumCostSubject.ServiceFee,
SubjectFormula.CalculatServiceFee(Business.LoanCapital, Business.ServiceRate, false)));
}
return(billItem);
}
/// <summary>
/// 创建罚息科目
/// </summary>
public override BillItem CreatePunitiveInterest(DateTime limitTime, List <PenaltyInt> penaltyInts)
{
// 获取当期帐单，为NULL或已在第三次扣失日前全额付清则继续循环
var nbills = BillDAL.GetNormalBills(Business.Bills);
var prevBill = nbills.FirstOrDefault(p => p.BillMonth == _PrevMonth);
var curBill = nbills.FirstOrDefault(p => p.BillMonth == _CurMonth);
// 判断是否存在原因帐单或当期帐单，不存在则返回NULL
if (prevBill == null || curBill == null || Business.Bills.Count == 1 ||
(limitTime >= prevBill.FullPaidTime && prevBill.FullPaidTime != null))
{
return(null);
}
// 获取本金、利息或租金等参与科目，计算上期所欠本息或租金
var subjects = new List <byte> {
(byte)EnumCostSubject.Capital,
(byte)EnumCostSubject.Interest, (byte)EnumCostSubject.Rent
};
// 是否为渤海订单, 渤海订单一次性生成一个月的罚息， 其他合同都按日罚息千分之一计算
bool isBoHai = Business.LendingSideKey.EndsWith(EnumCompanyKey.BHXT_LENDING.ToEnumName());
decimal debtsPrincipal = 0;
if (isBoHai)
{
// 获取普通帐单的所欠本息
var bills = BillDAL.GetArrearsBills(Business.Bills, true);
foreach (var bill in bills)
{
debtsPrincipal += bill.BillItems.Where(p => subjects.Contains(p.Subject) && !p.IsCurrent)
.Sum(p => p.DueAmt - p.ReceivedAmt);
}
// 判断欠费帐单是否存在未归还所欠本息或租金，无则不生成罚息
if (debtsPrincipal <= 0)
{
return(null);
}
debtsPrincipal = SubjectFormula.CalculatPunitiveInterest(debtsPrincipal, 0.03m);
}
else
{
// 获取上期帐单的本息欠费
debtsPrincipal = prevBill.BillItems.Where(p => subjects.Contains(p.Subject))
.Sum(s => s.DueAmt - s.ReceivedAmt);
// 判断上期帐单是否存在未归还所欠本息或租金，无则不生成罚息
if (debtsPrincipal <= 0)
{
return(null);
}
var beginDay = DateTime.Now.AddMonths(-1).SetDay(21);
// 在罚息表中计算罚息金额
CalculatPenaltyInt(penaltyInts, debtsPrincipal, prevBill.BillID, curBill.BillID, beginDay);
// 当所欠本息大于零时，计算从上月21日至今天数的罚息
var totalDays = DateTime.Now - beginDay;
debtsPrincipal = SubjectFormula.CalculatPunitiveInterest(debtsPrincipal,
Business.PenaltyRate, totalDays.Days);
}
// 创建罚息科目（科目名称、金额）
return(CreateBillItem(EnumCostSubject.PunitiveInterest, debtsPrincipal, false, curBill.BillID));
}
