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利率测试

This commit is contained in:
muzi 2023-01-15 21:50:55 +08:00
parent f1ce6706fb
commit a26fc725c0
16 changed files with 679 additions and 18 deletions
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16
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/controller/BorrowerController.java
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@ -111,6 +111,22 @@ public class BorrowerController extends BaseController {
return toAjax(tbBorrowerService.updateTbBorrower(tbBorrower));
}
@PostMapping("/borrowerInserts")
public AjaxResult borrowerInserts(@RequestBody TbBorrower tbBorrower)
{
return toAjax(tbBorrowerService.borrowerInserts(tbBorrower));
}
@PostMapping("/loans")
public AjaxResult loans(@RequestBody TbBorrower tbBorrower)
{
return tbBorrowerService.loans(tbBorrower);
}
}

13
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/controller/BorrowerPeriodsController.java
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@ -4,6 +4,7 @@ import java.util.List;
import java.io.IOException;
import javax.servlet.http.HttpServletResponse;
import com.ruoyi.potenza.domain.vo.PeriodDetailVo;
import lombok.extern.slf4j.Slf4j;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.web.bind.annotation.GetMapping;
@ -64,7 +65,6 @@ public class BorrowerPeriodsController extends BaseController{
/**
* 获取贷款周期详细信息
*/
@RequiresPermissions("potenza:periods:query")
@GetMapping(value = "/{periodsById}")
public AjaxResult getInfo(@PathVariable("periodsId") Long periodsId)
{
@ -74,7 +74,6 @@ public class BorrowerPeriodsController extends BaseController{
/**
* 新增贷款周期
*/
@RequiresPermissions("potenza:periods:add")
@Log(title = "贷款周期", businessType = BusinessType.INSERT)
@PostMapping("periodsInsert")
public AjaxResult add(@RequestBody TbBorrowerPeriods tbBorrowerPeriods)
@ -85,7 +84,6 @@ public class BorrowerPeriodsController extends BaseController{
/**
* 修改贷款周期
*/
@RequiresPermissions("potenza:periods:edit")
@Log(title = "贷款周期", businessType = BusinessType.UPDATE)
@PutMapping("/periodsUpdate")
public AjaxResult edit(@RequestBody TbBorrowerPeriods tbBorrowerPeriods)
@ -96,11 +94,18 @@ public class BorrowerPeriodsController extends BaseController{
/**
* 删除贷款周期
*/
@RequiresPermissions("potenza:periods:remove")
@Log(title = "贷款周期", businessType = BusinessType.DELETE)
@DeleteMapping("/{periodsIds}")
public AjaxResult remove(@PathVariable Long[] periodsIds)
{
return toAjax(tbBorrowerPeriodsService.deleteTbBorrowerPeriodsByPeriodsIds(periodsIds));
}
@Log(title = "周期详细", businessType = BusinessType.UPDATE)
@PostMapping("/detail")
public AjaxResult detail(@RequestBody PeriodDetailVo periodDetailVo)
{
return tbBorrowerPeriodsService.detail(periodDetailVo);
}
}

2
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/domain/TbBorrowerPeriods.java
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@ -36,6 +36,8 @@ public class TbBorrowerPeriods implements Serializable {
*/
private String updateBy;
private Double rateInterest;
/**
* 删除状态0：存在，2：删除
*/

20
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/domain/vo/PeriodDetailVo.java Normal file
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@ -0,0 +1,20 @@
package com.ruoyi.potenza.domain.vo;
import lombok.Data;
import java.io.Serializable;
/**
* @author 木子
* @version 1.0
* @description: TODO
* @date 2023/1/15 20:39
*/
@Data
public class PeriodDetailVo implements Serializable {
private Double borrowerMoney;
private Integer wayId;
private Integer periodsId;
}

94
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/domain/vo/TbBorrowerVo.java Normal file
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@ -0,0 +1,94 @@
package com.ruoyi.potenza.domain.vo;
import com.baomidou.mybatisplus.annotation.IdType;
import com.baomidou.mybatisplus.annotation.TableField;
import com.baomidou.mybatisplus.annotation.TableId;
import lombok.Data;
import java.io.Serializable;
import java.util.Date;
/**
* @author 木子
* @version 1.0
* @description: TODO
* @date 2023/1/15 19:26
*/
@Data
public class TbBorrowerVo implements Serializable {
private Integer borrowerId;
/**
* 用户ID
*/
private Integer userId;
/**
* 用户名称
*/
private String userName;
/**
* 产品ID
*/
private Integer productId;
/**
* 默认为最高可以借款金额
*/
private Double borrowerMoney;
/**
* 贷款周期ID
*/
private Integer periodsId;
/**
* 贷款方式ID 0:等额本息 6000 1:等额本金 6000 1000 第一个月60000*利率 第二个月 5000*利率
*/
private Integer wayId;
/**
* 借款用途
*/
private String borrowerPurpose;
/**
* 1： 待审核 2：贷款成功 3:贷款失败
*/
private Integer borrowerState;
/**
* 放款人
*/
private Integer loanerId;
/**
* 创建者
*/
private String createBy;
/**
* 更新者
*/
private String updateBy;
/**
* 删除状态0：存在，2：删除
*/
private Integer delFlag;
/**
* 创建时间
*/
private Date createTime;
/**
* 更新时间
*/
private Date updateTime;
}

4
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/service/TbBorrowerPeriodsService.java
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@ -1,7 +1,9 @@
package com.ruoyi.potenza.service;
import com.ruoyi.common.core.web.domain.AjaxResult;
import com.ruoyi.potenza.domain.TbBorrowerPeriods;
import com.baomidou.mybatisplus.extension.service.IService;
import com.ruoyi.potenza.domain.vo.PeriodDetailVo;
import java.util.List;
@ -58,4 +60,6 @@ public interface TbBorrowerPeriodsService extends IService<TbBorrowerPeriods> {
* @return 结果
*/
public int deleteTbBorrowerPeriodsByPeriodsId(Long periodsId);
AjaxResult detail(PeriodDetailVo periodDetailVo);
}

2
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/service/TbBorrowerService.java
View File

@ -51,5 +51,7 @@ public interface TbBorrowerService extends IService<TbBorrower> {
public int updateTbBorrower(TbBorrower tbBorrower);
int borrowerInserts(TbBorrower tbBorrower);
AjaxResult loans(TbBorrower tbBorrower);
}

41
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/service/impl/TbBorrowerPeriodsServiceImpl.java
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@ -2,25 +2,31 @@ package com.ruoyi.potenza.service.impl;
import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
import com.ruoyi.common.core.utils.DateUtils;
import com.ruoyi.common.core.web.domain.AjaxResult;
import com.ruoyi.potenza.domain.TbBorrowerPeriods;
import com.ruoyi.potenza.domain.vo.PeriodDetailVo;
import com.ruoyi.potenza.service.TbBorrowerPeriodsService;
import com.ruoyi.potenza.mapper.TbBorrowerPeriodsMapper;
import com.ruoyi.potenza.utils.AverageCapitalPlusInterestUtils;
import com.ruoyi.potenza.utils.AverageCapitalUtils;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Service;
import java.util.List;
/**
* @author 86155
* @description 针对表【tb_borrower_periods(贷款周期表)】的数据库操作Service实现
* @createDate 2023-01-13 15:56:37
*/
* @author 86155
* @description 针对表【tb_borrower_periods(贷款周期表)】的数据库操作Service实现
* @createDate 2023-01-13 15:56:37
*/
@Service
public class TbBorrowerPeriodsServiceImpl extends ServiceImpl<TbBorrowerPeriodsMapper, TbBorrowerPeriods>
implements TbBorrowerPeriodsService{
@Autowired
private TbBorrowerPeriodsMapper tbBorrowerPeriodsMapper;
/**
* 查询贷款周期
*
@ -95,6 +101,33 @@ public class TbBorrowerPeriodsServiceImpl extends ServiceImpl<TbBorrowerPeriodsM
return tbBorrowerPeriodsMapper.deleteTbBorrowerPeriodsByPeriodsId(periodsId);
}
@Override
public AjaxResult detail(PeriodDetailVo periodDetailVo) {
//查询利率
Integer periodsId = periodDetailVo.getPeriodsId();
long periodsid = periodsId.longValue();
TbBorrowerPeriods tbBorrowerPeriods = tbBorrowerPeriodsMapper.selectTbBorrowerPeriodsByPeriodsId(periodsid);
if(tbBorrowerPeriods==null){
return AjaxResult.error();
}
Integer wayId = periodDetailVo.getWayId();
//等额本息
if(wayId==0){
double principalInterestCount = AverageCapitalPlusInterestUtils.
getPrincipalInterestCount(periodDetailVo.getBorrowerMoney(),
tbBorrowerPeriods.getRateInterest()/100,
tbBorrowerPeriods.getPeriodsName());
return AjaxResult.success(principalInterestCount);
}
//等额本金
double principalInterestCount = AverageCapitalUtils.
getPrincipalInterestCount(periodDetailVo.getBorrowerMoney(),
tbBorrowerPeriods.getRateInterest()/100,
tbBorrowerPeriods.getPeriodsName());
return AjaxResult.success(principalInterestCount);
}
}

2
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/service/impl/TbBorrowerPlanServiceImpl.java
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@ -3,6 +3,7 @@ package com.ruoyi.potenza.service.impl;
import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
import com.ruoyi.common.core.utils.DateUtils;
import com.ruoyi.potenza.domain.TbBorrowerPlan;
import com.ruoyi.potenza.mapper.TbBorrowerPeriodsMapper;
import com.ruoyi.potenza.service.TbBorrowerPlanService;
import com.ruoyi.potenza.mapper.TbBorrowerPlanMapper;
import org.springframework.beans.factory.annotation.Autowired;
@ -18,6 +19,7 @@ import java.util.List;
@Service
public class TbBorrowerPlanServiceImpl extends ServiceImpl<TbBorrowerPlanMapper, TbBorrowerPlan>
implements TbBorrowerPlanService{
@Autowired
private TbBorrowerPlanMapper tbBorrowerPlanMapper;

56
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/service/impl/TbBorrowerServiceImpl.java
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@ -1,12 +1,19 @@
package com.ruoyi.potenza.service.impl;
import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
import com.ruoyi.common.core.utils.DateUtils;
import com.ruoyi.common.core.web.domain.AjaxResult;
import com.ruoyi.potenza.domain.TbBorrower;
import com.ruoyi.potenza.domain.TbBorrowerPeriods;
import com.ruoyi.potenza.domain.vo.IdVo;
import com.ruoyi.potenza.domain.vo.TbBorrowerVo;
import com.ruoyi.potenza.mapper.TbBorrowerPeriodsMapper;
import com.ruoyi.potenza.service.TbBorrowerService;
import com.ruoyi.potenza.mapper.TbBorrowerMapper;
import com.ruoyi.potenza.utils.AverageCapitalPlusInterestUtils;
import lombok.extern.slf4j.Slf4j;
import org.springframework.beans.BeanUtils;
import org.springframework.beans.factory.annotation.Autowired;
import org.springframework.stereotype.Service;
@ -18,12 +25,16 @@ import java.util.List;
* @createDate 2023-01-13 15:56:37
*/
@Service
@Slf4j
public class TbBorrowerServiceImpl extends ServiceImpl<TbBorrowerMapper, TbBorrower>
implements TbBorrowerService{
@Autowired
private TbBorrowerMapper tbBorrowerMapper;
@Autowired
private TbBorrowerPeriodsMapper tbBorrowerPeriodsMapper;
@Override
public List<?> pageList(TbBorrower tbBorrower) {
List<TbBorrower> list= tbBorrowerMapper.pageList();
@ -36,14 +47,6 @@ public class TbBorrowerServiceImpl extends ServiceImpl<TbBorrowerMapper, TbBorro
return AjaxResult.success("删除成功");
}
/**
* 查询贷款
*
* @param borrowerId 贷款主键
* @return 贷款
*/
@Override
public TbBorrower selectTbBorrowerByBorrowerId(Long borrowerId)
{
@ -88,7 +91,44 @@ public class TbBorrowerServiceImpl extends ServiceImpl<TbBorrowerMapper, TbBorro
return tbBorrowerMapper.updateTbBorrower(tbBorrower);
}
@Override
public int borrowerInserts(TbBorrower tbBorrower) {
return 0;
}
@Override
public AjaxResult loans(TbBorrower tbBorrower) {
//判断 用户 能否借款
//判断同一个人 只能借一个产品
LambdaQueryWrapper<TbBorrower> wrapper=new LambdaQueryWrapper<>();
wrapper.eq(TbBorrower::getUserId,tbBorrower.getUserId());
wrapper.eq(TbBorrower::getProductId,tbBorrower.getProductId());
TbBorrower tbBorrower1 = tbBorrowerMapper.selectOne(wrapper);
if(tbBorrower1!=null){
return AjaxResult.error("请先还款");
}
Integer periodsId = tbBorrower.getPeriodsId();
long periodsid = periodsId.longValue();
//查询利率
TbBorrowerPeriods tbBorrowerPeriods = tbBorrowerPeriodsMapper.selectTbBorrowerPeriodsByPeriodsId(periodsid);
double perMonthPrincipalInterest = AverageCapitalPlusInterestUtils.
getPerMonthPrincipalInterest(tbBorrower.getBorrowerMoney(),
tbBorrowerPeriods.getRateInterest()/100,
tbBorrowerPeriods.getPeriodsName());
double principalInterestCount = AverageCapitalPlusInterestUtils.
getPrincipalInterestCount(tbBorrower.getBorrowerMoney(),
tbBorrowerPeriods.getRateInterest() / 100,
tbBorrowerPeriods.getPeriodsName());
log.info("---------"+principalInterestCount);
return AjaxResult.success("添加成功");
}
}

141
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/utils/AverageCapitalPlusInterestUtils.java Normal file
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@ -0,0 +1,141 @@
package com.ruoyi.potenza.utils;
import java.math.BigDecimal;
import java.util.HashMap;
import java.util.Map;
/**
import java.math.BigDecimal;
import java.util.HashMap;
import java.util.Map;
* @description: TODO
* @author 木子
* @date 2023/1/15 19:17
* @version 1.0
*/
public class AverageCapitalPlusInterestUtils {
/**
* 等额本息计算获取还款方式为等额本息的每月偿还本金和利息
* <p>
* 公式：每月偿还本息=〔贷款本金×月利率×(1＋月利率)＾还款月数〕÷〔(1＋月利率)＾还款月数-1〕
*
* @param invest 总借款额（贷款本金）
* @param yearRate 年利率
* @param month 还款总月数
* @return 每月偿还本金和利息, 不四舍五入，直接截取小数点最后两位
*/
public static double getPerMonthPrincipalInterest(double invest, double yearRate, int totalmonth) {
double monthRate = yearRate / 12;
BigDecimal monthIncome = new BigDecimal(invest)
.multiply(new BigDecimal(monthRate * Math.pow(1 + monthRate, totalmonth)))
.divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 2, BigDecimal.ROUND_DOWN);
return monthIncome.doubleValue();
}
/**
* 等额本息计算获取还款方式为等额本息的每月偿还利息
* <p>
* 公式：每月偿还利息=贷款本金×月利率×〔(1+月利率)^还款月数-(1+月利率)^(还款月序号-1)〕÷〔(1+月利率)^还款月数-1〕
*
* @param invest 总借款额（贷款本金）
* @param yearRate 年利率
* @param month 还款总月数
* @return 每月偿还利息
*/
public static Map<Integer, BigDecimal> getPerMonthInterest(double invest, double yearRate, int totalmonth) {
Map<Integer, BigDecimal> map = new HashMap<Integer, BigDecimal>();
double monthRate = yearRate / 12;
BigDecimal monthInterest;
for (int i = 1; i < totalmonth + 1; i++) {
BigDecimal multiply = new BigDecimal(invest).multiply(new BigDecimal(monthRate));
BigDecimal sub = new BigDecimal(Math.pow(1 + monthRate, totalmonth)).subtract(new BigDecimal(Math.pow(1 + monthRate, i - 1)));
monthInterest = multiply.multiply(sub).divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 6, BigDecimal.ROUND_DOWN);
monthInterest = monthInterest.setScale(2, BigDecimal.ROUND_DOWN);
map.put(i, monthInterest);
}
return map;
}
/**
* 等额本息计算获取还款方式为等额本息的每月偿还本金
*
* @param invest 总借款额（贷款本金）
* @param yearRate 年利率
* @param month 还款总月数
* @return 每月偿还本金
*/
public static Map<Integer, BigDecimal> getPerMonthPrincipal(double invest, double yearRate, int totalmonth) {
double monthRate = yearRate / 12;
BigDecimal monthIncome = new BigDecimal(invest)
.multiply(new BigDecimal(monthRate * Math.pow(1 + monthRate, totalmonth)))
.divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 2, BigDecimal.ROUND_DOWN);
Map<Integer, BigDecimal> mapInterest = getPerMonthInterest(invest, yearRate, totalmonth);
Map<Integer, BigDecimal> mapPrincipal = new HashMap<Integer, BigDecimal>();
for (Map.Entry<Integer, BigDecimal> entry : mapInterest.entrySet()) {
mapPrincipal.put(entry.getKey(), monthIncome.subtract(entry.getValue()));
}
return mapPrincipal;
}
/**
* 等额本息计算获取还款方式为等额本息的总利息
*
* @param invest 总借款额（贷款本金）
* @param yearRate 年利率
* @param month 还款总月数
* @return 总利息
*/
public static double getInterestCount(double invest, double yearRate, int totalmonth) {
BigDecimal count = new BigDecimal(0);
Map<Integer, BigDecimal> mapInterest = getPerMonthInterest(invest, yearRate, totalmonth);
for (Map.Entry<Integer, BigDecimal> entry : mapInterest.entrySet()) {
count = count.add(entry.getValue());
}
return count.doubleValue();
}
/**
* 应还本金总和
*
* @param invest 总借款额（贷款本金）
* @param yearRate 年利率
* @param month 还款总月数
* @return 应还本金总和
*/
public static double getPrincipalInterestCount(double invest, double yearRate, int totalmonth) {
double monthRate = yearRate / 12;
BigDecimal perMonthInterest = new BigDecimal(invest)
.multiply(new BigDecimal(monthRate * Math.pow(1 + monthRate, totalmonth)))
.divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 2, BigDecimal.ROUND_DOWN);
BigDecimal count = perMonthInterest.multiply(new BigDecimal(totalmonth));
count = count.setScale(2, BigDecimal.ROUND_DOWN);
return count.doubleValue();
}
/**
* @param args
*/
public static void main(String[] args) {
double invest = 20000; // 本金
int month = 12;
double yearRate = 0.15; // 年利率
double perMonthPrincipalInterest = getPerMonthPrincipalInterest(invest, yearRate, month);
System.out.println("等额本息---每月还款本息：" + perMonthPrincipalInterest);
Map<Integer, BigDecimal> mapInterest = getPerMonthInterest(invest, yearRate, month);
System.out.println("等额本息---每月还款利息：" + mapInterest);
Map<Integer, BigDecimal> mapPrincipal = getPerMonthPrincipal(invest, yearRate, month);
System.out.println("等额本息---每月还款本金：" + mapPrincipal);
double count = getInterestCount(invest, yearRate, month);
System.out.println("等额本息---总利息：" + count);
double principalInterestCount = getPrincipalInterestCount(invest, yearRate, month);
System.out.println("等额本息---应还本息总和：" + principalInterestCount);
}
}

155
ruoyi-modules/ruoyi-potenza/src/main/java/com/ruoyi/potenza/utils/AverageCapitalUtils.java Normal file
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@ -0,0 +1,155 @@
package com.ruoyi.potenza.utils;
import java.math.BigDecimal;
import java.util.HashMap;
import java.util.Map;
/**
* @author 木子
* @version 1.0
* @description: TODO
* @date 2023/1/15 20:49
*/
public class AverageCapitalUtils {
/**
* 等额本息计算获取还款方式为等额本息的每月偿还本金和利息
*
* 公式：每月偿还本息=〔贷款本金×月利率×(1＋月利率)＾还款月数〕÷〔(1＋月利率)＾还款月数-1〕
*
* @param invest
* 总借款额（贷款本金）
* @param yearRate
* 年利率
* @param month
* 还款总月数
* @return 每月偿还本金和利息,不四舍五入，直接截取小数点最后两位
*/
public static BigDecimal getPerMonthPrincipalInterest(double invest, double yearRate, int totalmonth) {
double monthRate = yearRate / 12;
BigDecimal monthIncome = new BigDecimal(invest)
.multiply(new BigDecimal(monthRate * Math.pow(1 + monthRate, totalmonth)))
.divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 2, BigDecimal.ROUND_UP);
//return monthIncome.doubleValue();
return monthIncome;
}
/**
* 等额本息计算获取还款方式为等额本息的每月偿还利息
*
* 公式：每月偿还利息=贷款本金×月利率×〔(1+月利率)^还款月数-(1+月利率)^(还款月序号-1)〕÷〔(1+月利率)^还款月数-1〕
*
* @param invest
* 总借款额（贷款本金）
* @param yearRate
* 年利率
* @param month
* 还款总月数
* @return 每月偿还利息
*/
public static Map<Integer, BigDecimal> getPerMonthInterest(double invest, double yearRate, int totalmonth) {
Map<Integer, BigDecimal> map = new HashMap<Integer, BigDecimal>();
double monthRate = yearRate / 12;
BigDecimal monthInterest;
for (int i = 1; i < totalmonth + 1; i++) {
BigDecimal multiply = new BigDecimal(invest).multiply(new BigDecimal(monthRate));
BigDecimal sub = new BigDecimal(Math.pow(1 + monthRate, totalmonth))
.subtract(new BigDecimal(Math.pow(1 + monthRate, i - 1)));
monthInterest = multiply.multiply(sub).divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 2,
BigDecimal.ROUND_DOWN);
monthInterest = monthInterest.setScale(2, BigDecimal.ROUND_DOWN);
map.put(i, monthInterest);
}
return map;
}
/**
* 等额本息计算获取还款方式为等额本息的每月偿还本金
*
* @param invest
* 总借款额（贷款本金）
* @param yearRate
* 年利率
* @param month
* 还款总月数
* @return 每月偿还本金
*/
public static Map<Integer, BigDecimal> getPerMonthPrincipal(double invest, double yearRate, int totalmonth) {
double monthRate = yearRate / 12;
BigDecimal monthIncome = new BigDecimal(invest)
.multiply(new BigDecimal(monthRate * Math.pow(1 + monthRate, totalmonth)))
.divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 2, BigDecimal.ROUND_DOWN);
Map<Integer, BigDecimal> mapInterest = getPerMonthInterest(invest, yearRate, totalmonth);
Map<Integer, BigDecimal> mapPrincipal = new HashMap<Integer, BigDecimal>();
for (Map.Entry<Integer, BigDecimal> entry : mapInterest.entrySet()) {
mapPrincipal.put(entry.getKey(), monthIncome.subtract(entry.getValue()));
}
return mapPrincipal;
}
/**
* 等额本息计算获取还款方式为等额本息的总利息
*
* @param invest
* 总借款额（贷款本金）
* @param yearRate
* 年利率
* @param month
* 还款总月数
* @return 总利息
*/
public static double getInterestCount(double invest, double yearRate, int totalmonth) {
BigDecimal count = new BigDecimal(0);
Map<Integer, BigDecimal> mapInterest = getPerMonthInterest(invest, yearRate, totalmonth);
for (Map.Entry<Integer, BigDecimal> entry : mapInterest.entrySet()) {
count = count.add(entry.getValue());
}
return count.doubleValue();
}
/**
* 应还本金总和
*
* @param invest
* 总借款额（贷款本金）
* @param yearRate
* 年利率
* @param month
* 还款总月数
* @return 应还本金总和
*/
public static double getPrincipalInterestCount(double invest, double yearRate, int totalmonth) {
double monthRate = yearRate / 12;
BigDecimal perMonthInterest = new BigDecimal(invest)
.multiply(new BigDecimal(monthRate * Math.pow(1 + monthRate, totalmonth)))
.divide(new BigDecimal(Math.pow(1 + monthRate, totalmonth) - 1), 2, BigDecimal.ROUND_DOWN);
BigDecimal count = perMonthInterest.multiply(new BigDecimal(totalmonth));
count = count.setScale(2, BigDecimal.ROUND_DOWN);
return count.doubleValue();
}
/**
* @param args
*/
public static void main(String[] args) {
double invest = 38988; // 本金
int month = 12;
double yearRate = 0.15; // 年利率
BigDecimal perMonthPrincipalInterest = getPerMonthPrincipalInterest(invest, yearRate, month);
System.out.println("等额本息---每月还款本息：" + perMonthPrincipalInterest);
System.out.println("等额本息---每月还款本息：" + getPerMonthPrincipalInterest(invest, yearRate, 3));
System.out.println("等额本息---每月还款本息：" + getPerMonthPrincipalInterest(invest, yearRate, 6));
System.out.println("等额本息---每月还款本息：" + getPerMonthPrincipalInterest(invest, yearRate, 9));
System.out.println("等额本息---每月还款本息：" + getPerMonthPrincipalInterest(invest, yearRate, 12));
System.out.println("等额本息---每月还款本息：" + getPerMonthPrincipalInterest(invest, yearRate, 15));
System.out.println("等额本息---每月还款本息：" + getPerMonthPrincipalInterest(invest, yearRate, 18));
/*Map<Integer, BigDecimal> mapInterest = getPerMonthInterest(invest, yearRate, month);
System.out.println("等额本息---每月还款利息：" + mapInterest);
Map<Integer, BigDecimal> mapPrincipal = getPerMonthPrincipal(invest, yearRate, month);
System.out.println("等额本息---每月还款本金：" + mapPrincipal);
double count = getInterestCount(invest, yearRate, month);
System.out.println("等额本息---总利息：" + count);
double principalInterestCount = getPrincipalInterestCount(invest, yearRate, month);
System.out.println("等额本息---应还本息总和：" + principalInterestCount);*/
}
}

6
ruoyi-modules/ruoyi-potenza/src/main/resources/mapper/TbBorrowerPeriodsMapper.xml
View File

@ -7,6 +7,7 @@
<resultMap type="com.ruoyi.potenza.domain.TbBorrowerPeriods" id="TbBorrowerPeriodsResult">
<result property="periodsId" column="periods_id" />
<result property="periodsName" column="periods_name" />
<result property="rateInterest" column="rate_interest" />
<result property="createBy" column="create_by" />
<result property="updateBy" column="update_by" />
<result property="delFlag" column="del_flag" />
@ -15,7 +16,7 @@
</resultMap>
<sql id="selectTbBorrowerPeriodsVo">
select periods_id, periods_name, create_by, update_by, del_flag, create_time, update_time from tb_borrower_periods
select periods_id, periods_name,rate_interest, create_by, update_by, del_flag, create_time, update_time from tb_borrower_periods
</sql>
<select id="selectTbBorrowerPeriodsList" parameterType="com.ruoyi.potenza.domain.TbBorrowerPeriods" resultMap="TbBorrowerPeriodsResult">
@ -34,6 +35,7 @@
insert into tb_borrower_periods
<trim prefix="(" suffix=")" suffixOverrides=",">
<if test="periodsName != null">periods_name,</if>
<if test="rateInterest != null">rate_interest,</if>
<if test="createBy != null">create_by,</if>
<if test="updateBy != null">update_by,</if>
<if test="delFlag != null">del_flag,</if>
@ -42,6 +44,7 @@
</trim>
<trim prefix="values (" suffix=")" suffixOverrides=",">
<if test="periodsName != null">#{periodsName},</if>
<if test="rateInterest != null">#{rateInterest},</if>
<if test="createBy != null">#{createBy},</if>
<if test="updateBy != null">#{updateBy},</if>
<if test="delFlag != null">#{delFlag},</if>
@ -54,6 +57,7 @@
update tb_borrower_periods
<trim prefix="SET" suffixOverrides=",">
<if test="periodsName != null">periods_name = #{periodsName},</if>
<if test="rateInterest != null">rate_interest = #{rateInterest},</if>
<if test="createBy != null">create_by = #{createBy},</if>
<if test="updateBy != null">update_by = #{updateBy},</if>
<if test="delFlag != null">del_flag = #{delFlag},</if>

11
ruoyi-ui/src/api/potenza/borrower.js
View File

@ -36,4 +36,15 @@ export function updateBorrower(data) {
}
// 添加贷款
export function insertBorrower(data) {
return request({
url: '/potenza/borrower/loans',
method: 'post',
data: data
})
}

9
ruoyi-ui/src/api/potenza/periods.js
View File

@ -42,3 +42,12 @@ export function delPeriods(periodsId) {
method: 'delete'
})
}
export function detail(data) {
return request({
url: '/potenza/periods/detail',
method: 'post',
data: data
})
}

123
ruoyi-ui/src/views/potenza/loans/index.vue Normal file
View File

@ -0,0 +1,123 @@
<template>
<div class="from">
<div>
</div>
<div>
<h1>贷款中心</h1>
<el-form :model="ruleForm" :rules="rules" ref="ruleForm" label-width="100px" class="demo-ruleForm">
<el-form-item label="借款金额" prop="borrowerMoney">
<el-input v-model="ruleForm.borrowerMoney"></el-input>
</el-form-item>
<el-form-item label="借款周期" prop="periodsId">
<el-select v-model="ruleForm.periodsId" placeholder="请选择">
<el-option v-for="item in periods" :key="item.periodsId" :label="item.periodsName"
:value="item.periodsId">
</el-option>
</el-select>
</el-form-item>
<el-form-item label="借款方式" prop="wayId">
<el-select v-model="ruleForm.wayId" placeholder="请选择方式">
<el-option label="等额本息" value=0></el-option>
<el-option label="等额本金" value=1></el-option>
</el-select>
</el-form-item>
<el-form-item>
<h4>总还款金额:{{ borrowerMoney }}</h4>
</el-form-item>
<el-form-item label="借款用途" prop="borrowerPurpose">
<el-input v-model="ruleForm.borrowerPurpose"></el-input>
</el-form-item>
<el-form-item>
<el-button type="primary" @click="submitForm(ruleForm)">借款</el-button>
<el-button>取消</el-button>
</el-form-item>
</el-form>
</div>
</div>
</template>
<script>
import { listPeriods, insertBorrower } from "@/api/potenza/periods";
import { detail } from "@/api/potenza/periods";
export default {
data() {
return {
ruleForm: {
borrowerMoney: '',
periodsId: null,
borrowerPurpose: '',
wayId: null,
userName: '',
userId: null,
productId: null
},
periods: [],
timer: '',
borrowerMoney: '',
rules: {
borrowerMoney: [{ required: true, message: '请输入活动名称', trigger: 'blur' }],
periodsId: [{ required: true, message: '请输入借款周期', trigger: 'blur' }],
borrowerPurpose: [{ required: true, message: '请输入借款方式', trigger: 'blur' }],
wayId: [{ required: true, message: '请输入借款用途', trigger: 'blur' }],
}
}
},
methods: {
submitForm(formName) {
this.$refs[formName].validate((valid) => {
if (valid) {
const username = this.$store.state.user.name;
this.ruleForm.userName = username
insertBorrower(this.ruleForm).then(respon => {
console.log(respon)
})
} else {
console.log('error submit!!');
return false;
}
});
},
listPeriods() {
listPeriods().then(response => {
console.log(response.rows)
this.periods = response.rows
});
},
valChange() {
if (this.ruleForm.borrowerMoney != '' && this.ruleForm.periodsId != null && this.ruleForm.wayId != null) {
let pram = {}
pram.borrowerMoney = this.ruleForm.borrowerMoney
pram.periodsId = this.ruleForm.periodsId
pram.wayId = this.ruleForm.wayId
console.log(pram)
detail(pram).then(respon => {
this.borrowerMoney = respon.data
})
}
}
},
created() {
this.listPeriods()
this.timer = setInterval(this.valChange, 2000);
},
}
</script>
<style>
.from {
margin: auto;
width: 40%;
}
</style>