private static OCurrency _ExpensesLoanLossBalance(Loan pCredit,ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.AllInstallmentsRepaid && !pCredit.WrittenOff)
return pCredit.Amount * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
else
return 0;
}
private static OCurrency _IncomeLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
OCurrency olb = pCredit.GetOlb();
OCurrency rate = Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0)
{
olb = 0;
}
if (pCredit.WrittenOff)
{
return(0);
}
if (!pCredit.Disbursed)
{
return(0);
}
if (pCredit.AllInstallmentsRepaid)
{
return(0);
}
if (!pCredit.BadLoan)
{
return((pCredit.Amount - olb) * rate);
}
return((pCredit.Amount) * rate);
}
private static OCurrency _LiabilitiesLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.BadLoan)
{
return(pCredit.GetPastDueDays(TimeProvider.Today) == 0
? pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate)
: 0);
}
return(0);
}
private static OCurrency _ExpensesLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.AllInstallmentsRepaid && !pCredit.WrittenOff)
{
return(pCredit.Amount * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate));
}
else
{
return(0);
}
}
private static OCurrency _IncomeLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
OCurrency olb = pCredit.GetOlb();
OCurrency rate = Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate);
if (pCredit.GetPastDueDays(TimeProvider.Today) != 0) olb = 0;
if (pCredit.WrittenOff) return 0;
if (!pCredit.Disbursed) return 0;
if (pCredit.AllInstallmentsRepaid) return 0;
if (!pCredit.BadLoan) return (pCredit.Amount - olb) * rate;
else return (pCredit.Amount) * rate;
}
private static OCurrency _LoanLossReserveBalance(Loan pCredit, ProvisionTable pProvisionningTable, int writeOffDays)
{
OCurrency theoricBalance = 0;
if (!pCredit.Disbursed)
{
return(theoricBalance);
}
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0)
{
return(theoricBalance);
}
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays)
{
return(theoricBalance);
}
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate >= TimeProvider.Today)
{
break;
}
theoricBalance += (installment.InterestsRepayment - installment.PaidInterests);
}
theoricBalance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
theoricBalance += pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(pastDueDays).Rate);
OCurrency realBalance = 0;
return(theoricBalance > realBalance ? theoricBalance : realBalance);
}
private static OCurrency _LoanLossReserveBalance(Loan pCredit, ProvisionTable pProvisionningTable, int writeOffDays)
{
OCurrency theoricBalance = 0;
if (!pCredit.Disbursed) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) == 0) return theoricBalance;
if (pCredit.GetPastDueDays(TimeProvider.Today) > writeOffDays) return theoricBalance;
foreach (Installment installment in pCredit.InstallmentList)
{
if (installment.ExpectedDate >= TimeProvider.Today)
break;
theoricBalance += (installment.InterestsRepayment - installment.PaidInterests);
}
theoricBalance += pCredit.GetUnpaidLatePenalties(TimeProvider.Today);
int pastDueDays = pCredit.GetPastDueDays(TimeProvider.Today);
theoricBalance += pCredit.GetOlb() * Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(pastDueDays).Rate);
OCurrency realBalance = 0;
return theoricBalance > realBalance ? theoricBalance : realBalance;
}
private static OCurrency _LiabilitiesLoanLossBalance(Loan pCredit, ProvisionTable pProvisionningTable)
{
if (pCredit.Disbursed && !pCredit.BadLoan)
return pCredit.GetPastDueDays(TimeProvider.Today) == 0
? pCredit.GetOlb()* Convert.ToDecimal(pProvisionningTable.GetProvisiningRateByNbOfDays(0).Rate)
: 0;
return 0;
}
public void TestGetProvisioningRateByNbOfDays()
{
Assert.AreEqual(10, provisionTable.GetProvisiningRateByNbOfDays(21).Rate);
}