package com.jttech.cmci.pfcs.service;
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import com.alibaba.fastjson.JSONArray;
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import com.alibaba.fastjson.JSONObject;
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import com.jttech.cmci.pfcs.util.DateUtil;
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import com.jttech.cmci.pfcs.vo.UserInfoVo;
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import com.jttech.cmci.pfcs.vo.req.ZxmxGetScoreReqVo;
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import com.jttech.cmci.pfcs.vo.resp.ZxmxGetScoreRespVo;
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import com.jttech.cmci.pfcs.content.ZxmxContent;
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import com.jttech.cmci.pfcs.util.XmlUtils;
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import org.slf4j.Logger;
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import org.slf4j.LoggerFactory;
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import org.springframework.stereotype.Service;
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import org.springframework.util.CollectionUtils;
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import org.springframework.util.StringUtils;
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import java.math.BigDecimal;
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import java.util.Date;
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/**
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* @Description：征信模型加工
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* @Author：carsonwang
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* @Date：Created in 2022-04-06 14:39
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* @Version: 1.0
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*/
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@Service
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public class ZxmxManagerService {
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private Logger mLogger = LoggerFactory.getLogger(getClass());
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public ZxmxGetScoreRespVo getScore(ZxmxGetScoreReqVo pReqVo) {
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mLogger.info("请求报文:{}", pReqVo);
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JSONObject creditInfo = XmlUtils.xml2Json(pReqVo.getZxData());
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creditInfo = creditInfo.getJSONObject(ZxmxContent.reportMessage);
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// 获取用户信息
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UserInfoVo userInfo = getUserInfo(creditInfo);
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mLogger.info("=================征信模型加工开始,当前用户为:{}=================", userInfo);
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// 获取逾期总金额(被追偿信息债权金额+非循环贷账户当前逾期总额+循环额度下分账户当前逾期总额+循环贷账户当前逾期总额+贷记卡账户当前逾期总额)
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Integer overdueTotal = getOverdueTotal(userInfo, creditInfo);
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// 获取贷记卡授信总额度(所有贷记卡授信金额求和)
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Integer creditLines = getCreditLines(userInfo, creditInfo);
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// 获取近六个月平均应还款额
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Integer avgUsedOfSixMonth = getAvgUsedOfSixMonth(userInfo, creditInfo);
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// 获取近一年逾期次数
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Integer overdueNumOfYear = getOverdueNumOfYear(userInfo, creditInfo);
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// 获取近一年查征次数
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Integer queryNumOfYear = getQueryNumOfYear(userInfo, creditInfo);
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ZxmxGetScoreRespVo respVo = new ZxmxGetScoreRespVo(overdueTotal, creditLines, avgUsedOfSixMonth,
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overdueNumOfYear, queryNumOfYear);
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mLogger.info("=================征信模型加工结束,当前用户为:{},加工结果为:{}=================", userInfo, respVo);
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return respVo;
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}
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/**
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* 获取用户信息
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*
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* @param pCreditInfo
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* @return
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*/
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private UserInfoVo getUserInfo(JSONObject pCreditInfo) {
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JSONObject reportHead = getJsonObject(pCreditInfo, ZxmxContent.ReportHead);
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JSONObject thisQueryReqInfo = getJsonObject(reportHead, ZxmxContent.ThisQueryReqInfo);
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String username = thisQueryReqInfo.getString(ZxmxContent.QueryName);
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String idNo = thisQueryReqInfo.getString(ZxmxContent.QueryCredNum);
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UserInfoVo userInfo = new UserInfoVo(username, idNo);
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return userInfo;
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}
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/**
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* 近一年查征次数(根据查征记录中近一年查询次数计算)
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*
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* @param pCreditInfo
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* @return
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*/
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private Integer getQueryNumOfYear(UserInfoVo userInfo, JSONObject pCreditInfo) {
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Integer totalQueryNumOfYear = 0;
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JSONArray queryInfos = pCreditInfo.getJSONArray(ZxmxContent.QueryInfo);
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if (!CollectionUtils.isEmpty(queryInfos)) {
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Date currTime = DateUtil.getDayEndTime(new Date());
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Date yearTime = DateUtil.addYear(currTime, -1);
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for (Object obj : queryInfos) {
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if (obj != null) {
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JSONObject queryInfo = (JSONObject) obj;
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String queryDateStr = queryInfo.getString(ZxmxContent.QueryDate);
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if (!StringUtils.isEmpty(queryDateStr)) {
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Date queryDate = DateUtil.parseDate(DateUtil.pattern[2], queryDateStr);
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if (queryDate.after(yearTime) && queryDate.before(currTime)) {
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totalQueryNumOfYear++;
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}
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}
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}
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}
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}
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// 获取近一年查征次数
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Integer queryNumOfYear = getQueryNumOfYear(totalQueryNumOfYear);
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mLogger.info("==========================用户:{},近一年查询征信总数为:{},评级为:{}=======================", userInfo,
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totalQueryNumOfYear, queryNumOfYear);
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return queryNumOfYear;
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}
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/**
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* 获取近一年查征次数 评级 0 0 1 (0,5] 2 (5,10] 3 (10,15] 4 (15,20] 5 (20,25] 6 (25,30]
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* 7 (30,35] 8 (35,40] 9 >40
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*
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* @param pTotalQueryNumOfYear
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* @return
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*/
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private Integer getQueryNumOfYear(Integer pTotalQueryNumOfYear) {
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Integer queryNumOfYear = 0;
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if (pTotalQueryNumOfYear == 0) {
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queryNumOfYear = 0;
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} else if (pTotalQueryNumOfYear > 0 && pTotalQueryNumOfYear <= 5) {
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queryNumOfYear = 1;
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} else if (pTotalQueryNumOfYear > 5 && pTotalQueryNumOfYear <= 10) {
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queryNumOfYear = 2;
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} else if (pTotalQueryNumOfYear > 10 && pTotalQueryNumOfYear <= 15) {
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queryNumOfYear = 3;
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} else if (pTotalQueryNumOfYear > 15 && pTotalQueryNumOfYear <= 20) {
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queryNumOfYear = 4;
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} else if (pTotalQueryNumOfYear > 20 && pTotalQueryNumOfYear <= 25) {
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queryNumOfYear = 5;
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} else if (pTotalQueryNumOfYear > 25 && pTotalQueryNumOfYear <= 30) {
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queryNumOfYear = 6;
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} else if (pTotalQueryNumOfYear > 30 && pTotalQueryNumOfYear <= 35) {
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queryNumOfYear = 7;
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} else if (pTotalQueryNumOfYear > 35 && pTotalQueryNumOfYear <= 40) {
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queryNumOfYear = 8;
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} else if (pTotalQueryNumOfYear > 40) {
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queryNumOfYear = 9;
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}
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return queryNumOfYear;
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}
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/**
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* 近一年逾期次数("非循环贷账户/循环额度下分账户/循环贷账户/贷记卡账户/准贷记卡账户 账户中近一年还款月中为逾期的总次数")
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*
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* @param pCreditInfo
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* @return
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*/
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private Integer getOverdueNumOfYear(UserInfoVo userInfo, JSONObject pCreditInfo) {
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JSONObject creditTranDetailsInfo = getJsonObject(pCreditInfo, ZxmxContent.creditTranDetailsInfo);
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if (creditTranDetailsInfo == null) {
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return -1;
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}
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// 6.4.2 非循环贷账户 D1【NonrevolvingLoanDetInfo】
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JSONArray nonrevolvingLoanDetInfos = creditTranDetailsInfo.getJSONArray(ZxmxContent.nonrevolvingLoanDetInfo);
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// 6.4.2.4 最近五年内历史表现信息【Last5YearsHisPerFmInfo】 content
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Integer nonrevolvingOverdueNum = 0;
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if (!CollectionUtils.isEmpty(nonrevolvingLoanDetInfos)) {
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for (Object obj : nonrevolvingLoanDetInfos) {
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if (obj != null) {
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JSONObject nonrevolvingLoanDetInfo = (JSONObject) obj;
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JSONObject last5YearsHisPerFmInfo = getJsonObject(nonrevolvingLoanDetInfo,
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ZxmxContent.Last5YearsHisPerFmInfo);
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if (last5YearsHisPerFmInfo != null) {
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nonrevolvingOverdueNum = nonrevolvingOverdueNum + getOverdueNum(last5YearsHisPerFmInfo);
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}
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}
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}
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}
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mLogger.info("非循环贷账户,最近五年内历史表现信息,逾期次数:{}", nonrevolvingOverdueNum);
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// 6.4.3 循环额度下分账户 R4【LoopQuotaSubAct】
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JSONArray loopQuotaSubActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.LoopQuotaSubAct);
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// 6.4.3.4最近五年内历史表现信息【Last5YearsHisPerfmInfo】 content
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Integer loopOverdueNum = 0;
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if (!CollectionUtils.isEmpty(loopQuotaSubActs)) {
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for (Object obj : loopQuotaSubActs) {
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if (obj != null) {
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JSONObject loopQuotaSubAct = (JSONObject) obj;
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JSONObject last5YearsHisPerFmInfo = getJsonObject(loopQuotaSubAct,
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ZxmxContent.Last5YearsHisPerFmInfo);
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if (last5YearsHisPerFmInfo != null) {
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loopOverdueNum = loopOverdueNum + getOverdueNum(last5YearsHisPerFmInfo);
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}
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}
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}
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}
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mLogger.info("循环额度下分账户,最近五年内历史表现信息,逾期次数:{}", loopOverdueNum);
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// 6.4.4 循环贷账户 R1【RevolvinLoanAct】
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JSONArray revolvinLoanActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.RevolvinLoanAct);
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// 6.4.4.4最近五年内历史表现信息【Last5YearsHisPerfmInfo】 content
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Integer revolvinOverdueNum = 0;
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if (!CollectionUtils.isEmpty(revolvinLoanActs)) {
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for (Object obj : revolvinLoanActs) {
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if (obj != null) {
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JSONObject revolvinLoanAct = (JSONObject) obj;
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JSONObject last5YearsHisPerFmInfo = getJsonObject(revolvinLoanAct,
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ZxmxContent.Last5YearsHisPerFmInfo);
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if (last5YearsHisPerFmInfo != null) {
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revolvinOverdueNum = revolvinOverdueNum + getOverdueNum(last5YearsHisPerFmInfo);
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}
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}
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}
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}
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mLogger.info("循环贷账户,最近五年内历史表现信息,逾期次数:{}", revolvinOverdueNum);
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// 6.4.5 贷记卡账户 R2【CreditCardAct】
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JSONArray creditCardActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.CreditCardAct);
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// 6.4.5.5最近五年内历史表现信息【Last5YearsHisPerfmInfo】 content
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Integer creditCardOverdueNum = 0;
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if (!CollectionUtils.isEmpty(creditCardActs)) {
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for (Object obj : creditCardActs) {
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if (obj != null) {
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JSONObject creditCardAct = (JSONObject) obj;
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JSONObject last5YearsHisPerFmInfo = getJsonObject(creditCardAct,
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ZxmxContent.Last5YearsHisPerFmInfo);
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if (last5YearsHisPerFmInfo != null) {
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creditCardOverdueNum = creditCardOverdueNum + getOverdueNum(last5YearsHisPerFmInfo);
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}
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}
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}
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}
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mLogger.info("贷记卡账户,最近五年内历史表现信息,逾期次数:{}", creditCardOverdueNum);
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// 6.4.6 准贷记卡账户 R3【SemiCreditCardAct】
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JSONArray semiCreditCardActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.SemiCreditCardAct);
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// 6.4.6.4最近五年内历史表现信息【Last5YearsHisPerfmInfo】 content
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Integer semiCreditCardOverdueNum = 0;
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if (!CollectionUtils.isEmpty(semiCreditCardActs)) {
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for (Object obj : semiCreditCardActs) {
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if (obj != null) {
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JSONObject semiCreditCardAct = (JSONObject) obj;
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JSONObject last5YearsHisPerFmInfo = getJsonObject(semiCreditCardAct,
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ZxmxContent.Last5YearsHisPerFmInfo);
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if (last5YearsHisPerFmInfo != null) {
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semiCreditCardOverdueNum = semiCreditCardOverdueNum + getOverdueNum(last5YearsHisPerFmInfo);
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}
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}
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}
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}
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mLogger.info("准贷记卡账户,最近五年内历史表现信息,逾期次数:{}", semiCreditCardOverdueNum);
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Integer totalOverdueNum = nonrevolvingOverdueNum + loopOverdueNum + revolvinOverdueNum + creditCardOverdueNum
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+ semiCreditCardOverdueNum;
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Integer overdueNumOfYear = getOverdueNumOfYear(totalOverdueNum);
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mLogger.info("==========================用户:{},近一年逾期次数总数:{},评级为:{}=======================", userInfo,
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totalOverdueNum, overdueNumOfYear);
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return overdueNumOfYear;
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}
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/**
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* 近一年逾期次数 评级 0 0 1 (0,5] 2 (5,10] 3 (10,15] 4 (15,20] 5 (20,25] 6 (25,30] 7
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* (30,35] 8 (35,40] 9 >40
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*
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* @param pTotalOverdueNum
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* @return
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*/
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private Integer getOverdueNumOfYear(Integer pTotalOverdueNum) {
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Integer overdueNumOfYear = 0;
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if (pTotalOverdueNum == 0) {
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overdueNumOfYear = 0;
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} else if (pTotalOverdueNum > 0 && pTotalOverdueNum <= 5) {
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overdueNumOfYear = 1;
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} else if (pTotalOverdueNum > 5 && pTotalOverdueNum <= 10) {
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overdueNumOfYear = 2;
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} else if (pTotalOverdueNum > 10 && pTotalOverdueNum <= 15) {
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overdueNumOfYear = 3;
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} else if (pTotalOverdueNum > 15 && pTotalOverdueNum <= 20) {
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overdueNumOfYear = 4;
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} else if (pTotalOverdueNum > 20 && pTotalOverdueNum <= 25) {
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overdueNumOfYear = 5;
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} else if (pTotalOverdueNum > 25 && pTotalOverdueNum <= 30) {
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overdueNumOfYear = 6;
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} else if (pTotalOverdueNum > 30 && pTotalOverdueNum <= 35) {
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overdueNumOfYear = 7;
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} else if (pTotalOverdueNum > 35 && pTotalOverdueNum <= 40) {
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overdueNumOfYear = 8;
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} else if (pTotalOverdueNum > 40) {
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overdueNumOfYear = 9;
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}
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return overdueNumOfYear;
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}
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/**
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* 各个账户明细还款记录，从最后一个还款日往前推12个还款日，还款记录 近一年非*且非n且非m且非c次数之和
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*
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* @param pLast5YearsHisPerFmInfo
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* @return
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*/
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private Integer getOverdueNum(JSONObject pLast5YearsHisPerFmInfo) {
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Integer overdueNum = 0;
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String content = pLast5YearsHisPerFmInfo.getString(ZxmxContent.Content);
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if (!StringUtils.isEmpty(content)) {
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String[] repayInfos = content.split(ZxmxContent.VERTICAL_LINE);
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for (int i = 0; i < 12; i++) {
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// 如果索引大于长度,直接跳出循环
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if (i > repayInfos.length - 1) {
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break;
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}
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String repayInfo = repayInfos[i];
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if (!(repayInfo.startsWith("*") || repayInfo.startsWith("N") || repayInfo.startsWith("M")
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|| repayInfo.startsWith("C"))) {
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overdueNum++;
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}
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}
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}
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return overdueNum;
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}
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/**
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* 近六个月平均应还款额(信贷交易授信及负债信息概要
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* ：非循环贷账户信息汇总-最近6个月平均应还款+循环额度下分账户信息汇总-最近6个月平均应还款+循环贷账户信息汇总-最近6个月平均应还+
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* 贷记卡账户信息汇总-最近6个月平均使用额度+准贷记卡账户信息汇总-最近6个月平均透支余额)
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*
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* @param pCreditInfo
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* @return
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*/
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private Integer getAvgUsedOfSixMonth(UserInfoVo userInfo, JSONObject pCreditInfo) {
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JSONObject creditTranDetailsInfo = getJsonObject(pCreditInfo, ZxmxContent.creditTranDetailsInfo);
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if (creditTranDetailsInfo == null) {
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return -1;
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}
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// 非循环贷账户信息汇总 - 6.4.2.3 最近一次月度表现信息 最近 6 个月平均使用额度
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BigDecimal nonrevolvingAvgUsedOfSixMonth = BigDecimal.ZERO;
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JSONArray nonrevolvingLoanDetInfos = creditTranDetailsInfo.getJSONArray(ZxmxContent.nonrevolvingLoanDetInfo);
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if (!CollectionUtils.isEmpty(nonrevolvingLoanDetInfos)) {
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for (Object obj : nonrevolvingLoanDetInfos) {
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if (obj != null) {
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JSONObject nonrevolvingLoanDetInfo = (JSONObject) obj;
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JSONObject latestMonPerfmInfo = getJsonObject(nonrevolvingLoanDetInfo,
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ZxmxContent.latestMonPerfmInfo);
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if (latestMonPerfmInfo != null) {
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nonrevolvingAvgUsedOfSixMonth = nonrevolvingAvgUsedOfSixMonth
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.add(getAmount(latestMonPerfmInfo, ZxmxContent.avgUsedOfSixMonth));
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}
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}
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}
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}
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mLogger.info("非循环贷账户信息汇总 - 最近一次月度表现信息 最近 6 个月平均使用额度:{}", nonrevolvingAvgUsedOfSixMonth);
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// 循环额度下分账户信息汇总 - 6.4.3.3 最近一次月度表现信息 最近 6 个月平均使用额度
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BigDecimal loopAvgUsedOfSixMonth = BigDecimal.ZERO;
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JSONArray loopQuotaSubActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.LoopQuotaSubAct);
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if (!CollectionUtils.isEmpty(loopQuotaSubActs)) {
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for (Object obj : loopQuotaSubActs) {
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if (obj != null) {
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JSONObject loopQuotaSubAct = (JSONObject) obj;
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JSONObject latestMonPerfmInfo = getJsonObject(loopQuotaSubAct, ZxmxContent.latestMonPerfmInfo);
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if (latestMonPerfmInfo != null) {
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loopAvgUsedOfSixMonth = loopAvgUsedOfSixMonth
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.add(getAmount(latestMonPerfmInfo, ZxmxContent.avgUsedOfSixMonth));
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}
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}
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}
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}
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mLogger.info("循环额度下分账户信息汇总 - 最近一次月度表现信息 最近 6 个月平均使用额度:{}", loopAvgUsedOfSixMonth);
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// 循环贷账户信息汇总 - 6.4.4.3 最近一次月度表现信息 最近 6 个月平均使用额度
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BigDecimal revolvinAvgUsedOfSixMonth = BigDecimal.ZERO;
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JSONArray revolvinLoanActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.RevolvinLoanAct);
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if (!CollectionUtils.isEmpty(revolvinLoanActs)) {
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for (Object obj : revolvinLoanActs) {
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if (obj != null) {
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JSONObject revolvinLoanAct = (JSONObject) obj;
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JSONObject latestMonPerfmInfo = getJsonObject(revolvinLoanAct, ZxmxContent.latestMonPerfmInfo);
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if (latestMonPerfmInfo != null) {
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revolvinAvgUsedOfSixMonth = revolvinAvgUsedOfSixMonth
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.add(getAmount(latestMonPerfmInfo, ZxmxContent.avgUsedOfSixMonth));
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}
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}
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}
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}
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mLogger.info("循环贷账户信息汇总 - 最近一次月度表现信息 最近 6 个月平均使用额度:{}", revolvinAvgUsedOfSixMonth);
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// 贷记卡账户信息汇总 - 6.4.5.3 最近一次月度表现信息 最近 6 个月平均使用额度
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BigDecimal creditCardAvgUsedOfSixMonth = BigDecimal.ZERO;
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JSONArray creditCardActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.CreditCardAct);
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if (!CollectionUtils.isEmpty(creditCardActs)) {
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for (Object obj : creditCardActs) {
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if (obj != null) {
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JSONObject creditCardAct = (JSONObject) obj;
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JSONObject latestMonPerfmInfo = getJsonObject(creditCardAct, ZxmxContent.latestMonPerfmInfo);
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if (latestMonPerfmInfo != null) {
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creditCardAvgUsedOfSixMonth = creditCardAvgUsedOfSixMonth
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.add(getAmount(latestMonPerfmInfo, ZxmxContent.avgUsedOfSixMonth));
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}
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}
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}
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}
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mLogger.info("贷记卡账户信息汇总 - 最近一次月度表现信息 最近 6 个月平均使用额度:{}", creditCardAvgUsedOfSixMonth);
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// 准贷记卡账户信息汇总 - 6.4.6.3 最近一次月度表现信息 最近 6 个月平均使用额度
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BigDecimal semiCreditCardAvgUsedOfSixMonth = BigDecimal.ZERO;
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JSONArray semiCreditCardActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.SemiCreditCardAct);
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if (!CollectionUtils.isEmpty(semiCreditCardActs)) {
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for (Object obj : semiCreditCardActs) {
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if (obj != null) {
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JSONObject semiCreditCardAct = (JSONObject) obj;
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JSONObject latestMonPerfmInfo = getJsonObject(semiCreditCardAct, ZxmxContent.latestMonPerfmInfo);
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if (latestMonPerfmInfo != null) {
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semiCreditCardAvgUsedOfSixMonth = semiCreditCardAvgUsedOfSixMonth
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.add(getAmount(latestMonPerfmInfo, ZxmxContent.avgUsedOfSixMonth));
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}
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}
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}
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}
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mLogger.info("准贷记卡账户信息汇总 - 最近一次月度表现信息 最近 6 个月平均使用额度:{}", semiCreditCardAvgUsedOfSixMonth);
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BigDecimal totalAvgUsedOfSixMonth = nonrevolvingAvgUsedOfSixMonth.add(loopAvgUsedOfSixMonth)
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.add(revolvinAvgUsedOfSixMonth).add(creditCardAvgUsedOfSixMonth).add(semiCreditCardAvgUsedOfSixMonth);
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// 获取近六个月平均应还款额
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Integer avgUsedOfSixMonth = getAvgUsedOfSixMonth(totalAvgUsedOfSixMonth);
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mLogger.info("==========================用户:{},近六个月平均应还款总额:{},评级为:{}======================", userInfo,
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totalAvgUsedOfSixMonth, avgUsedOfSixMonth);
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return avgUsedOfSixMonth;
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}
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/**
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* 获取近六个月平均应还款额评级 0 0 1 （0，10000） 2 (10000,20000] 3 (20000,30000] 4
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* (30000,40000] 5 (40000,50000] 6 (50000,60000] 7 (60000,70000] 8
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* (70000,80000] 9 >80000
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*
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* @param pTotalAvgUsedOfSixMonth
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* @return
|
*/
|
private Integer getAvgUsedOfSixMonth(BigDecimal pTotalAvgUsedOfSixMonth) {
|
Integer avgUsedOfSixMonth = 0;
|
if (pTotalAvgUsedOfSixMonth.compareTo(BigDecimal.ZERO) == 0) {
|
avgUsedOfSixMonth = 0;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(BigDecimal.ZERO) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("10000")) <= 0) {
|
avgUsedOfSixMonth = 1;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("10000")) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("20000")) <= 0) {
|
avgUsedOfSixMonth = 2;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("20000")) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("30000")) <= 0) {
|
avgUsedOfSixMonth = 3;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("30000")) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("40000")) <= 0) {
|
avgUsedOfSixMonth = 4;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("40000")) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("50000")) <= 0) {
|
avgUsedOfSixMonth = 5;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("50000")) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("60000")) <= 0) {
|
avgUsedOfSixMonth = 6;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("60000")) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("70000")) <= 0) {
|
avgUsedOfSixMonth = 7;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("70000")) > 0
|
&& pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("80000")) <= 0) {
|
avgUsedOfSixMonth = 8;
|
} else if (pTotalAvgUsedOfSixMonth.compareTo(new BigDecimal("80000")) > 0) {
|
avgUsedOfSixMonth = 9;
|
}
|
return avgUsedOfSixMonth;
|
}
|
|
|
|
/**
|
* 所有贷记卡授信金额求和
|
*
|
* @param pCreditInfo
|
* @return
|
*/
|
private Integer getCreditLines(UserInfoVo userInfo, JSONObject pCreditInfo) {
|
JSONObject creditTranDetailsInfo = getJsonObject(pCreditInfo, ZxmxContent.creditTranDetailsInfo);
|
if (creditTranDetailsInfo == null) {
|
return -1;
|
}
|
BigDecimal lines = BigDecimal.ZERO;
|
JSONArray creditCardActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.CreditCardAct);
|
if (!CollectionUtils.isEmpty(creditCardActs)) {
|
for (Object obj : creditCardActs) {
|
JSONObject creditCardAct = (JSONObject) obj;
|
JSONObject baseInfo = getJsonObject(creditCardAct, ZxmxContent.baseInfo);
|
if (baseInfo != null) {
|
lines = lines.add(getAmount(baseInfo, ZxmxContent.Lines));
|
}
|
}
|
}
|
Integer creditLines = getCreditLines(lines);
|
mLogger.info("==========================用户:{},所有贷记卡授信金额:{},评级为:{}========================", userInfo, lines,
|
creditLines);
|
return creditLines;
|
}
|
|
|
|
/**
|
* 授信额度分级 0 0 1 (0,30000] 2 (30000,50000] 3 (50000,70000] 4 (70000,90000] 5
|
* (90000,110000] 6 (110000,130000] 7 (130000,150000] 8 (150000,200000] 9
|
* >200000
|
*
|
* @param lines
|
* @return
|
*/
|
private Integer getCreditLines(BigDecimal lines) {
|
Integer overdueTotal = 0;
|
if (lines.compareTo(BigDecimal.ZERO) == 0) {
|
overdueTotal = 0;
|
} else if (lines.compareTo(BigDecimal.ZERO) > 0 && lines.compareTo(new BigDecimal("30000")) <= 0) {
|
overdueTotal = 1;
|
} else if (lines.compareTo(new BigDecimal("30000")) > 0 && lines.compareTo(new BigDecimal("50000")) <= 0) {
|
overdueTotal = 2;
|
} else if (lines.compareTo(new BigDecimal("50000")) > 0 && lines.compareTo(new BigDecimal("70000")) <= 0) {
|
overdueTotal = 3;
|
} else if (lines.compareTo(new BigDecimal("70000")) > 0 && lines.compareTo(new BigDecimal("90000")) <= 0) {
|
overdueTotal = 4;
|
} else if (lines.compareTo(new BigDecimal("90000")) > 0 && lines.compareTo(new BigDecimal("110000")) <= 0) {
|
overdueTotal = 5;
|
} else if (lines.compareTo(new BigDecimal("110000")) > 0 && lines.compareTo(new BigDecimal("130000")) <= 0) {
|
overdueTotal = 6;
|
} else if (lines.compareTo(new BigDecimal("130000")) > 0 && lines.compareTo(new BigDecimal("150000")) <= 0) {
|
overdueTotal = 7;
|
} else if (lines.compareTo(new BigDecimal("150000")) > 0 && lines.compareTo(new BigDecimal("200000")) <= 0) {
|
overdueTotal = 8;
|
} else if (lines.compareTo(new BigDecimal("200000")) > 0) {
|
overdueTotal = 9;
|
}
|
return overdueTotal;
|
}
|
|
|
|
/**
|
* 获取逾期总金额(被追偿信息债权金额+非循环贷账户当前逾期总额+循环额度下分账户当前逾期总额+循环贷账户当前逾期总额+贷记卡账户当前逾期总额)
|
*
|
* @param pCreditInfo
|
* @return
|
*/
|
private Integer getOverdueTotal(UserInfoVo userInfo, JSONObject pCreditInfo) {
|
JSONObject creditTranDetailsInfo = getJsonObject(pCreditInfo, ZxmxContent.creditTranDetailsInfo);
|
if (creditTranDetailsInfo == null) {
|
return -1;
|
}
|
// 6.4.1.1 基本信息【BaseInfo】 Money 债权金额
|
BigDecimal money = BigDecimal.ZERO;
|
JSONObject beRecoveryDetailsInfo = getJsonObject(creditTranDetailsInfo, ZxmxContent.beRecoveryDetailsInfo);
|
if (beRecoveryDetailsInfo != null) {
|
JSONObject baseInfo = getJsonObject(beRecoveryDetailsInfo, ZxmxContent.baseInfo);
|
if (baseInfo != null) {
|
money = getAmount(baseInfo, ZxmxContent.money);
|
}
|
}
|
mLogger.info("被追偿信息债权金额,基本信息,债权金额:{}", money);
|
// 6.4.2.3 最近一次月度表现信息 CurrentOverdueTotal
|
BigDecimal nonrevolvingOverdueTotal = BigDecimal.ZERO;
|
JSONArray nonrevolvingLoanDetInfos = creditTranDetailsInfo.getJSONArray(ZxmxContent.nonrevolvingLoanDetInfo);
|
if (!CollectionUtils.isEmpty(nonrevolvingLoanDetInfos)) {
|
for (Object obj : nonrevolvingLoanDetInfos) {
|
if (obj != null) {
|
JSONObject nonrevolvingLoanDetInfo = (JSONObject) obj;
|
JSONObject latestMonPerfmInfo = getJsonObject(nonrevolvingLoanDetInfo,
|
ZxmxContent.latestMonPerfmInfo);
|
if (latestMonPerfmInfo != null) {
|
nonrevolvingOverdueTotal = nonrevolvingOverdueTotal
|
.add(getAmount(latestMonPerfmInfo, ZxmxContent.currentOverdueTotal));
|
}
|
}
|
}
|
}
|
mLogger.info("非循环贷账户,最近一次月度表现信息,当前逾期总额:{}", nonrevolvingOverdueTotal);
|
// 6.4.3.3 最近一次月度表现信息 CurrentOverdueTotal
|
BigDecimal loopOverdueTotal = BigDecimal.ZERO;
|
JSONArray loopQuotaSubActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.LoopQuotaSubAct);
|
if (!CollectionUtils.isEmpty(loopQuotaSubActs)) {
|
for (Object obj : loopQuotaSubActs) {
|
if (obj != null) {
|
JSONObject loopQuotaSubAct = (JSONObject) obj;
|
JSONObject latestMonPerfmInfo = getJsonObject(loopQuotaSubAct, ZxmxContent.latestMonPerfmInfo);
|
if (latestMonPerfmInfo != null) {
|
loopOverdueTotal = loopOverdueTotal
|
.add(getAmount(latestMonPerfmInfo, ZxmxContent.currentOverdueTotal));
|
}
|
}
|
}
|
}
|
mLogger.info("循环额度下分账户,最近一次月度表现信息,当前逾期总额:{}", loopOverdueTotal);
|
// 6.4.4.3 最近一次月度表现信息 CurrentOverdueTotal
|
BigDecimal revolvinOverdueTotal = BigDecimal.ZERO;
|
JSONArray revolvinLoanActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.RevolvinLoanAct);
|
if (!CollectionUtils.isEmpty(revolvinLoanActs)) {
|
for (Object obj : revolvinLoanActs) {
|
if (obj != null) {
|
JSONObject revolvinLoanAct = (JSONObject) obj;
|
JSONObject latestMonPerfmInfo = getJsonObject(revolvinLoanAct, ZxmxContent.latestMonPerfmInfo);
|
if (latestMonPerfmInfo != null) {
|
revolvinOverdueTotal = revolvinOverdueTotal
|
.add(getAmount(latestMonPerfmInfo, ZxmxContent.currentOverdueTotal));
|
}
|
}
|
}
|
|
}
|
mLogger.info("循环贷账户,最近一次月度表现信息,当前逾期总额:{}", revolvinOverdueTotal);
|
// 6.4.5.3 最近一次月度表现信息 CurrentOverdueTotal
|
BigDecimal creditCardOverdueTotal = BigDecimal.ZERO;
|
JSONArray creditCardActs = creditTranDetailsInfo.getJSONArray(ZxmxContent.CreditCardAct);
|
if (!CollectionUtils.isEmpty(creditCardActs)) {
|
for (Object obj : creditCardActs) {
|
if (obj != null) {
|
JSONObject creditCardAct = (JSONObject) obj;
|
JSONObject latestMonPerfmInfo = getJsonObject(creditCardAct, ZxmxContent.latestMonPerfmInfo);
|
if (latestMonPerfmInfo != null) {
|
creditCardOverdueTotal = creditCardOverdueTotal
|
.add(getAmount(latestMonPerfmInfo, ZxmxContent.currentOverdueTotal));
|
}
|
}
|
}
|
}
|
mLogger.info("贷记卡账户,最近一次月度表现信息,当前逾期总额:{}", creditCardOverdueTotal);
|
BigDecimal totalOverdueTotal = money.add(nonrevolvingOverdueTotal).add(loopOverdueTotal)
|
.add(revolvinOverdueTotal).add(creditCardOverdueTotal);
|
Integer overdueTotal = getOverdueTotal(totalOverdueTotal);
|
mLogger.info("==========================用户:{},获取逾期总金额:{},评级:{}==========================", userInfo,
|
totalOverdueTotal, overdueTotal);
|
return overdueTotal;
|
}
|
|
|
|
/**
|
* 0 0 1 （0，10000） 2 (10000,20000] 3 (20000,30000] 4 (30000,40000] 5
|
* (40000,50000] 6 (50000,60000] 7 (60000,70000] 8 (70000,80000] 9 >80000
|
*
|
* @param totalOverdueTotal
|
* @return
|
*/
|
private Integer getOverdueTotal(BigDecimal totalOverdueTotal) {
|
Integer overdueTotal = 0;
|
if (totalOverdueTotal.compareTo(BigDecimal.ZERO) == 0) {
|
overdueTotal = 0;
|
} else if (totalOverdueTotal.compareTo(BigDecimal.ZERO) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("10000")) <= 0) {
|
overdueTotal = 1;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("10000")) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("20000")) <= 0) {
|
overdueTotal = 2;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("20000")) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("30000")) <= 0) {
|
overdueTotal = 3;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("30000")) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("40000")) <= 0) {
|
overdueTotal = 4;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("40000")) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("50000")) <= 0) {
|
overdueTotal = 5;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("50000")) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("60000")) <= 0) {
|
overdueTotal = 6;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("60000")) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("70000")) <= 0) {
|
overdueTotal = 7;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("70000")) > 0
|
&& totalOverdueTotal.compareTo(new BigDecimal("80000")) <= 0) {
|
overdueTotal = 8;
|
} else if (totalOverdueTotal.compareTo(new BigDecimal("80000")) > 0) {
|
overdueTotal = 9;
|
}
|
return overdueTotal;
|
}
|
|
|
|
/**
|
* 获取金额
|
*
|
* @param pJsonObject
|
* @param pKeyName
|
* @return
|
*/
|
private BigDecimal getAmount(JSONObject pJsonObject, String pKeyName) {
|
mLogger.info("获取参数:{},在对象:{}的值", pKeyName, pJsonObject);
|
String num = pJsonObject.getString(pKeyName);
|
if (StringUtils.isEmpty(num)) {
|
return BigDecimal.ZERO;
|
}
|
return new BigDecimal(num.replaceAll(ZxmxContent.SIGN_COMMA, ZxmxContent.EMPTY_STR));
|
}
|
|
|
|
/**
|
* 获取json对象
|
*
|
* @param pJsonObject
|
* @param pKeyName
|
* @return
|
*/
|
private JSONObject getJsonObject(JSONObject pJsonObject, String pKeyName) {
|
mLogger.info("获取参数:{},在对象:{}的值", pKeyName, pJsonObject);
|
JSONArray jsonArray = pJsonObject.getJSONArray(pKeyName);
|
if (CollectionUtils.isEmpty(jsonArray)) {
|
return null;
|
}
|
return (JSONObject) jsonArray.get(0);
|
}
|
}
|
