function getBorrowInterest($type, $money, $duration, $rate)
{
//if(!in_array($type,C('REPAYMENT_TYPE'))) return $money;
//echo $month_rate."|".$rate."|".$duration."|".$type;
switch ($type) {
case 1:
//按天到期还款
$month_rate = $rate / 100;
$interest = getFloatValue($money * $month_rate * $duration, 4);
break;
case 2:
//按月分期还款
$parm['duration'] = $duration;
$parm['money'] = $money;
$parm['year_apr'] = $rate;
$parm['type'] = "all";
$intre = EqualMonth($parm);
$interest = $intre['repayment_money'] - $money;
break;
case 3:
//按季分期还款
$parm['month_times'] = $duration;
$parm['account'] = $money;
$parm['year_apr'] = $rate;
$parm['type'] = "all";
$intre = EqualSeason($parm);
$interest = $intre['interest'];
break;
case 4:
//每月还息到期还本
$parm['month_times'] = $duration;
$parm['account'] = $money;
$parm['year_apr'] = $rate;
$parm['type'] = "all";
$intre = EqualEndMonth($parm);
$interest = $intre['interest'];
break;
}
return $interest;
}
public function ajax_invest()
{
if (!$this->uid) {
ajaxmsg("请先登陆", 0);
}
$pre = c("DB_PREFIX");
$id = intval($_GET['id']);
$num = intval($_GET['num']);
$chooseWay = $_GET['chooseWay'];
$Bconfig = (require C("APP_ROOT") . "Conf/borrow_config.php");
$field = "id,borrow_uid,borrow_money,borrow_interest_rate,borrow_duration,repayment_type,transfer_out,transfer_back,transfer_total,per_transfer,is_show,deadline,min_month,increase_rate,reward_rate";
$vo = M("transfer_borrow_info")->field($field)->find($id);
if ($this->uid == $vo['borrow_uid']) {
ajaxmsg("不能投自己的标", 0);
}
if ($vo['transfer_out'] == $vo['transfer_total']) {
ajaxmsg("此标可认购份数为0", 0);
}
if ($vo['is_show'] == 0) {
ajaxmsg("只能投正在借款中的标", 0);
}
$vo['transfer_leve'] = $vo['transfer_total'] - $vo['transfer_out'];
$vo['uname'] = M("members")->getFieldById($vo['borrow_uid'], "user_name");
//$vo['leftday'] = ceil(($vo['collect_day']-time())/3600/24);
$vm = getMinfo($this->uid, 'm.pin_pass,mm.account_money,mm.back_money,mm.money_collect');
$amoney = $vm['account_money'] + $vm['back_money'];
$pin_pass = $vm['pin_pass'];
$has_pin = empty($pin_pass) ? "no" : "yes";
//收益开始
$money = $vo['per_transfer'];
//每月还息
$monthData['month_times'] = $vo['borrow_duration'];
$monthData['account'] = $money;
$monthData['year_apr'] = $vo['borrow_interest_rate'];
$monthData['type'] = "all";
$repay_detail = EqualEndMonth($monthData);
$vo['shouyi4'] = $repay_detail['repayment_account'] - $money;
//利息复投
$monthData['month_times'] = $vo['borrow_duration'];
$monthData['account'] = $money;
$monthData['year_apr'] = $vo['borrow_interest_rate'];
$monthData['type'] = "all";
$repay_detail = CompoundMonth($monthData);
$vo['shouyi6'] = $repay_detail['repayment_account'] - $money;
//收益结束
$this->assign("has_pin", $has_pin);
$this->assign("vo", $vo);
$this->assign("account_money", $amoney);
$this->assign("Bconfig", $Bconfig);
$this->assign("num", $num);
$this->assign("chooseway", $chooseWay);
$data['content'] = $this->fetch();
ajaxmsg($data);
}
public function tdetail()
{
if ($_GET['type'] == 'commentlist') {
//评论
$cmap['tid'] = intval($_GET['id']);
$clist = getCommentList($cmap, 5);
$this->assign("commentlist", $clist['list']);
$this->assign("commentpagebar", $clist['page']);
$this->assign("commentcount", $clist['count']);
$data['html'] = $this->fetch('commentlist');
exit(json_encode($data));
}
$pre = C('DB_PREFIX');
$id = intval($_GET['id']);
$Bconfig = (require C("APP_ROOT") . "Conf/borrow_config.php");
//合同ID
if ($this->uid) {
$invs = M('transfer_borrow_investor')->field('id')->where("borrow_id={$id} AND (investor_uid={$this->uid} OR borrow_uid={$this->uid})")->find();
if ($invs['id'] > 0) {
$invsx = $invs['id'];
} elseif (!is_array($invs)) {
$invsx = 'no';
}
} else {
$invsx = 'login';
}
$this->assign("invid", $invsx);
//合同ID
//borrowinfo
//$borrowinfo = M("borrow_info")->field(true)->find($id);
$borrowinfo = M("transfer_borrow_info b")->join("{$pre}transfer_detail d ON d.borrow_id=b.id")->field(true)->find($id);
/*if(!is_array($borrowinfo) || $borrowinfo['is_show'] == 0){
$this->error("数据有误或此标已认购完");
}*/
$borrowinfo['progress'] = getfloatvalue($borrowinfo['transfer_out'] / $borrowinfo['transfer_total'] * 100, 2);
$borrowinfo['need'] = getfloatvalue(($borrowinfo['transfer_total'] - $borrowinfo['transfer_out']) * $borrowinfo['per_transfer'], 2);
$borrowinfo['updata'] = unserialize($borrowinfo['updata']);
if ($borrowinfo['danbao'] != 0) {
$danbao = M('article')->field('id,title')->where("type_id=7 and id={$borrowinfo['danbao']}")->find();
$borrowinfo['danbao'] = $danbao['title'];
//担保机构
$borrowinfo['danbaoid'] = $danbao['id'];
} else {
$borrowinfo['danbao'] = '暂无担保机构';
//担保机构
}
if (time() >= $borrowinfo['deadline'] || $borrowinfo['progress'] == 100) {
$borrowinfo['restday'] = 0;
$borrowinfo['currentday'] = $borrowinfo['add_time'];
} else {
$borrowinfo['restday'] = ceil(($borrowinfo['deadline'] - time()) / (24 * 60 * 60));
$borrowinfo['currentday'] = time();
}
$now = time();
$borrowinfo['aa'] = floor($borrowinfo['collect_day'] - $now);
$borrowinfo['lefttime'] = $borrowinfo['collect_day'] - $now;
$borrowinfo['leftday'] = ceil(($borrowinfo['collect_day'] - $now) / 3600 / 24);
$borrowinfo['leftdays'] = floor(($borrowinfo['collect_day'] - $now) / 3600 / 24) . '天以上';
$money = 100000;
switch ($borrowinfo['repayment_type']) {
//收益
case 2:
//等额本息
$monthData['duration'] = $borrowinfo['borrow_duration'];
$monthData['money'] = $money;
$monthData['year_apr'] = $borrowinfo['borrow_interest_rate'];
$monthData['type'] = "all";
$repay_detail = EqualMonth($monthData);
$borrowinfo['shouyi'] = $repay_detail['repayment_money'] - $money;
break;
case 4:
//每月还息
$monthData['month_times'] = $borrowinfo['borrow_duration'];
$monthData['account'] = $money;
$monthData['year_apr'] = $borrowinfo['borrow_interest_rate'];
$monthData['type'] = "all";
$repay_detail = EqualEndMonth($monthData);
$borrowinfo['shouyi'] = $repay_detail['repayment_account'] - $money;
break;
case 5:
//一次性还款
$borrowinfo['shouyi'] = floor($borrowinfo['borrow_interest_rate'] * $money * $borrowinfo['borrow_duration'] / 12) / 100;
break;
}
$this->assign("vo", $borrowinfo);
//帐户资金情况
$this->assign("investInfo", getMinfo($this->uid, true));
//帐户资金情况
//此标借款利息还款相关情况
//memberinfo
$memberinfo = M("members m")->field("m.id,m.customer_name,m.customer_id,m.user_name,m.reg_time,m.credits,fi.*,mi.*,mm.*")->join("{$pre}member_financial_info fi ON fi.uid = m.id")->join("{$pre}member_info mi ON mi.uid = m.id")->join("{$pre}member_money mm ON mm.uid = m.id")->where("m.id={$borrowinfo['borrow_uid']}")->find();
$areaList = getArea();
$memberinfo['location'] = $areaList[$memberinfo['province']] . $areaList[$memberinfo['city']];
$memberinfo['location_now'] = $areaList[$memberinfo['province_now']] . $areaList[$memberinfo['city_now']];
$this->assign("minfo", $memberinfo);
//memberinfo
//investinfo
$fieldx = "bi.investor_capital,bi.transfer_month,bi.transfer_num,bi.add_time,m.user_name,bi.is_auto,bi.final_interest_rate";
$investinfo = M("transfer_borrow_investor bi")->field($fieldx)->join("{$pre}members m ON bi.investor_uid = m.id")->where("bi.borrow_id={$id}")->order("bi.id DESC")->select();
$this->assign("investinfo", $investinfo);
//investinfo
$oneday = 86400;
$time_1 = time() - 30 * $oneday . "," . time();
$time_6 = time() - 180 * $oneday . "," . time();
$time_12 = time() - 365 * $oneday . "," . time();
$mapxr['borrow_id'] = $id;
$this->assign("time_all_out", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
$mapxr['add_time'] = array("between", "{$time_1}");
$this->assign("time_1_out", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
$mapxr['add_time'] = array("between", "{$time_6}");
$this->assign("time_6_out", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
$mapxr['add_time'] = array("between", "{$time_12}");
$this->assign("time_12_out", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
$mapxr = array();
$mapxr['borrow_id'] = $id;
$mapxr['status'] = 2;
$this->assign("time_all_back", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
$mapxr['back_time'] = array("between", "{$time_1}");
$this->assign("time_1_back", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
$mapxr['back_time'] = array("between", "{$time_6}");
$this->assign("time_6_back", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
$mapxr['back_time'] = array("between", "{$time_12}");
$this->assign("time_12_back", M("transfer_borrow_investor")->where($mapxr)->sum("transfer_num"));
//评论
$cmap['tid'] = $id;
$clist = getCommentList($cmap, 5);
$this->assign("Bconfig", $Bconfig);
$this->assign("commentlist", $clist['list']);
$this->assign("commentpagebar", $clist['page']);
$this->assign("commentcount", $clist['count']);
$this->display();
}
function getRepayDetail($repayment_type, $borrow_interest_rate, $borrow_duration)
{
$repay_detail = array();
if ($repayment_type == 2) {
$money = 100;
$rate = $borrow_interest_rate;
$month = $borrow_duration;
$monthData['money'] = $money;
$monthData['year_apr'] = $rate;
$monthData['duration'] = $month;
$monthData['type'] = "all";
$repay_detail = EqualMonth($monthData);
} elseif ($repayment_type == 3) {
$money = 100;
$rate = $borrow_interest_rate;
$month = $borrow_duration;
$monthData['account'] = $money;
$monthData['year_apr'] = $rate;
$monthData['month_times'] = $month;
$monthData['type'] = "all";
$repay_detail = EqualSeason($monthData);
} elseif ($repayment_type == 4) {
$money = 100;
$rate = $borrow_interest_rate;
$month = $borrow_duration;
$parm['month_times'] = $month;
$parm['account'] = $money;
$parm['year_apr'] = $rate;
$parm['type'] = "all";
$repay_detail = EqualEndMonth($parm);
}
return $repay_detail;
}
function investMoney($uid, $borrow_id, $money, $_is_auto = 0, $invest_info_id, $reqext = 0)
{
//2015-09-30 lj 红包最后一笔扣不了钱
// require_once('config/config.db.php');
$pre = DB_PREFIX;
$done = false;
$datag = get_global_setting();
//$fee_invest_manage = explode("|",$datag['fee_invest_manage']);
/////////////////////////////锁表 zhang 2015-5-5////////////////////////////////////////////////
$bdb = new PDO('mysql:host=' . DB_HOST . ';dbname=' . DB_NAME, DB_USER, DB_PWD);
$bdb->beginTransaction();
$bId = $borrow_id;
$sql = "SELECT suo FROM lzh_borrow_info_lock WHERE id = ? FOR UPDATE";
$stmt1 = $bdb->prepare($sql);
$stmt1->bindParam(1, $bId);
//绑定第一个参数值
$stmt1->execute();
/////////////////////////////锁表 zhang 2015-5-5////////////////////////////////////////////////
$sqlbi = 'SELECT borrow_uid,borrow_money,borrow_interest_rate,borrow_type,borrow_duration,repayment_type,has_borrow,reward_money,money_collect,manage_rate,danbao FROM lzh_borrow_info WHERE id = ? limit 1';
$stmt2 = $bdb->prepare($sqlbi);
$stmt2->bindParam(1, $borrow_id);
$stmt2->execute();
while ($rowbi = $stmt2->fetch(PDO::FETCH_ASSOC)) {
$binfo = $rowbi;
}
//新加入了奖金reward_money到资金总额里
$sql = "SELECT m.user_leve,m.time_limit,mm.account_money,mm.back_money,mm.money_collect FROM {$pre}members AS m LEFT JOIN {$pre}member_money mm ON mm.uid=m.id WHERE m.id= ? limit 1";
$stmt = $bdb->prepare($sql);
$stmt->bindParam(1, $uid);
//绑定第一个参数值
$stmt->execute();
// var_dump($stmt2->queryString);
while ($row = $stmt->fetch(PDO::FETCH_ASSOC)) {
$vminfo = $row;
}
// $vminfo = getMinfo($uid,'m.user_leve,m.time_limit,mm.account_money,mm.back_money,mm.money_collect');
// if(($vminfo['account_money']+$vminfo['back_money']+$binfo['reward_money'])<$money) {
// return "您当前的可用金额为：".($vminfo['account_money']+$vminfo['back_money']+$binfo['reward_money'])." 对不起，可用余额不足，不能投标";
// }
//
// ////////////新增投标时检测会员的待收金额是否大于标的设置的代收金额限制，大于就可投标，小于就不让投标 2013-08-26 fan//////////////
//
// if($binfo['money_collect']>0){//判断是否设置了投标待收金额限制
// if($vminfo['money_collect']<$binfo['money_collect']){
// return "对不起，此标设置有投标待收金额限制，您当前的待收金额为".$vminfo['money_collect']."元，小于该标设置的待收金额限制".$binfo['money_collect']."元。";
// }
// }
////////////新增投标时检测会员的待收金额是否大于标的设置的代收金额限制，大于就可投标，小于就不让投标 2013-08-26 fan//////////////
//不同会员级别的费率
//($vminfo['user_leve']==1 && $vminfo['time_limit']>time())?$fee_rate=($fee_invest_manage[1]/100):$fee_rate=($fee_invest_manage[0]/100);
$fee_rate = $datag['fee_invest_manage'] / 100;
//投入的钱
$havemoney = $binfo['has_borrow'];
// if(($binfo['borrow_money'] - $havemoney -$money)<0)
// {
// return "对不起，此标还差".($binfo['borrow_money'] - $havemoney)."元满标，您最多投标".($binfo['borrow_money'] - $havemoney)."元";
// }
$sql = "SELECT SUM(investor_capital) AS investor_capital FROM {$pre}borrow_investor WHERE borrow_id = ? LIMIT 1";
$stmt = $bdb->prepare($sql);
$stmt->bindParam(1, $borrow_id);
$stmt->execute();
while ($row = $stmt->fetch(PDO::FETCH_ASSOC)) {
$borrow_invest = $row;
}
// $borrow_invest = M("borrow_investor")->where('borrow_id = {$borrow_id}')->sum('investor_capital');//新加投资金额检测
/***获取积分比率****/
// $fee = M('members')->where("id=".$uid)->getField('integral');
$sql = "SELECT integral FROM {$pre}members WHERE id=? limit 1";
$stmt = $bdb->prepare($sql);
$stmt->bindParam(1, $uid);
$stmt->execute();
//
// file_put_contents('/tmp/444',date('m-d H:i:s')."monthDataDetail".print_r($sql,true)."\n",FILE_APPEND);
//
while ($row = $stmt->fetch(PDO::FETCH_ASSOC)) {
$fee = $row;
}
$fs = $fs = (require_once 'config/config.leveinvestconfig.php');
foreach ($fs as $val) {
if ($fee > $val['start'] && $fee < $val['end']) {
$rate = floatval($val['rate']) / 100;
break;
}
}
/***获取积分比率结束****/
$investinfo['status'] = 1;
//等待复审
$investinfo['borrow_id'] = $borrow_id;
$investinfo['investor_uid'] = $uid;
//投资者
$investinfo['borrow_uid'] = $binfo['borrow_uid'];
//借款者
$investinfo['investor_fee'] = $binfo['manage_rate'] * $money;
//管理费
if ($binfo['danbao'] != 0) {
// $guarrate=M("member_guarrate")->field("guarrate")->where("uid={$binfo['danbao']}")->find();//担保费率
$sql = "SELECT guarrate FROM {$pre}member_guarrate WHERE uid=? limit 1";
$stmt = $bdb->prepare($sql);
$stmt->bindParam(1, $binfo['danbao']);
$stmt->execute();
while ($row = $stmt->fetch(PDO::FETCH_ASSOC)) {
$fee = $row;
}
$investinfo['guar_fee'] = $guarrate['guarrate'] * $money / 100;
}
/////////////////////////////////////新加投资金额检测/////////////////////////////////////////////
if ($borrow_invest['investor_capital'] > $binfo['borrow_money']) {
$investinfo['investor_capital'] = $binfo['borrow_money'] - $binfo['has_borrow'];
} else {
$investinfo['investor_capital'] = $money;
}
/////////////////////////////////////新加投资金额检测/////////////////////////////////////////////
$investinfo['is_auto'] = $_is_auto;
$investinfo['add_time'] = time();
//还款详细公共信息START
$handler = mysql_connect(DB_HOST, DB_USER, DB_PWD);
mysql_select_db(DB_NAME);
mysql_query("SET AUTOCOMMIT=0");
//设置为不自动提交，因为MYSQL默认立即执行
mysql_query("START TRANSACTION");
//开始事务定义
//还款概要公共信息START
$savedetail = array();
switch ($binfo['repayment_type']) {
case 1:
//按天到期还款
//还款概要START
$investinfo['investor_interest'] = getFloatValue($binfo['borrow_interest_rate'] / 360 * $investinfo['investor_capital'] * $binfo['borrow_duration'] / 100, 4);
$investinfo['invest_fee'] = getFloatValue($fee_rate * $investinfo['investor_interest'] * (1 - $rate), 4);
//修改投资人的天标利息管理费2013-03-19 fan
$investinfo['invest_fee_yh'] = getFloatValue($fee_rate * $investinfo['investor_interest'], 4);
//修改投资人的天标利息管理费2013-03-19 fan
//$invest_info_id = M('borrow_investor')->add($investinfo);
// M('borrow_investor')->where("id=".$invest_info_id)->save($investinfo);
foreach ($investinfo as $key => $val) {
$upSql .= "{$key}={$val},";
}
$upSql = rtrim($upSql, ",");
$sql = sprintf("UPDATE %s SET {$upSql} where id=%s", "{$pre}borrow_investor", $invest_info_id);
$rtype = mysql_query($sql);
//还款概要END
$investdetail['borrow_id'] = $borrow_id;
$investdetail['invest_id'] = $invest_info_id;
$investdetail['investor_uid'] = $uid;
$investdetail['borrow_uid'] = $binfo['borrow_uid'];
$investdetail['capital'] = $investinfo['investor_capital'];
$investdetail['interest'] = $investinfo['investor_interest'];
$investdetail['interest_fee'] = $fee_rate * $investinfo['invest_fee'] * (1 - $rate);
$investdetail['interest_fee_yh'] = $fee_rate * $investinfo['invest_fee'];
$investdetail['status'] = 0;
$investdetail['sort_order'] = 1;
$investdetail['total'] = 1;
$savedetail[] = $investdetail;
break;
case 2:
//每月还款
//还款概要START
$monthData['type'] = "all";
$monthData['money'] = $investinfo['investor_capital'];
$monthData['year_apr'] = $binfo['borrow_interest_rate'];
$monthData['duration'] = $binfo['borrow_duration'];
$repay_detail = EqualMonth($monthData);
$investinfo['investor_interest'] = $repay_detail['repayment_money'] - $investinfo['investor_capital'];
$investinfo['invest_fee'] = getFloatValue($fee_rate * $investinfo['investor_interest'] * (1 - $rate), 4);
$investinfo['invest_fee_yh'] = getFloatValue($fee_rate * $investinfo['investor_interest'], 4);
//$invest_info_id = M('borrow_investor')->add($investinfo);
// M('borrow_investor')->where("id=".$invest_info_id)->save($investinfo);
foreach ($investinfo as $key => $val) {
$upSql .= "{$key}={$val},";
}
$upSql = rtrim($upSql, ",");
$sql = sprintf("UPDATE %s SET {$upSql} where id=%s", "{$pre}borrow_investor", $invest_info_id);
$rtype = mysql_query($sql);
//还款概要END
$monthDataDetail['money'] = $investinfo['investor_capital'];
$monthDataDetail['year_apr'] = $binfo['borrow_interest_rate'];
$monthDataDetail['duration'] = $binfo['borrow_duration'];
$repay_list = EqualMonth($monthDataDetail);
$i = 1;
//file_put_contents(C('WEB_ROOT').'a.txt', json_encode($repay_list));exit;
foreach ($repay_list as $key => $v) {
$investdetail['borrow_id'] = $borrow_id;
$investdetail['invest_id'] = $invest_info_id;
$investdetail['investor_uid'] = $uid;
$investdetail['borrow_uid'] = $binfo['borrow_uid'];
$investdetail['capital'] = $v['capital'];
$investdetail['interest'] = $v['interest'];
$investdetail['interest_fee'] = getFloatValue($fee_rate * $v['interest'] * (1 - $rate), 4);
$investdetail['interest_fee_yh'] = getFloatValue($fee_rate * $v['interest'], 4);
$investdetail['status'] = 0;
$investdetail['sort_order'] = $i;
$investdetail['total'] = $binfo['borrow_duration'];
$i++;
$savedetail[] = $investdetail;
}
break;
case 3:
//按季分期还款
//还款概要START
$monthData['month_times'] = $binfo['borrow_duration'];
$monthData['account'] = $investinfo['investor_capital'];
$monthData['year_apr'] = $binfo['borrow_interest_rate'];
$monthData['type'] = "all";
$repay_detail = EqualSeason($monthData);
$investinfo['investor_interest'] = $repay_detail['repayment_money'] - $investinfo['investor_capital'];
$investinfo['invest_fee'] = getFloatValue($fee_rate * $investinfo['investor_interest'] * (1 - $rate), 4);
$investinfo['invest_fee_yh'] = getFloatValue($fee_rate * $investinfo['investor_interest'], 4);
//$invest_info_id = M('borrow_investor')->add($investinfo);
// M('borrow_investor')->where("id=".$invest_info_id)->save($investinfo);
foreach ($investinfo as $key => $val) {
$upSql .= "{$key}={$val},";
}
$upSql = rtrim($upSql, ",");
$sql = sprintf("UPDATE %s SET {$upSql} where id=%s", "{$pre}borrow_investor", $invest_info_id);
$rtype = mysql_query($sql);
//还款概要END
$monthDataDetail['month_times'] = $binfo['borrow_duration'];
$monthDataDetail['account'] = $investinfo['investor_capital'];
$monthDataDetail['year_apr'] = $binfo['borrow_interest_rate'];
$repay_list = EqualSeason($monthDataDetail);
$i = 1;
foreach ($repay_list as $key => $v) {
$investdetail['borrow_id'] = $borrow_id;
$investdetail['invest_id'] = $invest_info_id;
$investdetail['investor_uid'] = $uid;
$investdetail['borrow_uid'] = $binfo['borrow_uid'];
$investdetail['capital'] = $v['capital'];
$investdetail['interest'] = $v['interest'];
$investdetail['interest_fee'] = getFloatValue($fee_rate * $v['interest'] * (1 - $rate), 4);
$investdetail['interest_fee_yh'] = getFloatValue($fee_rate * $v['interest'], 4);
$investdetail['status'] = 0;
$investdetail['sort_order'] = $i;
$investdetail['total'] = $binfo['borrow_duration'];
$i++;
$savedetail[] = $investdetail;
}
break;
case 4:
//每月还息到期还本
$monthData['month_times'] = $binfo['borrow_duration'];
$monthData['account'] = $investinfo['investor_capital'];
$monthData['year_apr'] = $binfo['borrow_interest_rate'];
$monthData['type'] = "all";
$repay_detail = EqualEndMonth($monthData);
$investinfo['investor_interest'] = $repay_detail['repayment_account'] - $investinfo['investor_capital'];
$investinfo['invest_fee'] = getFloatValue($fee_rate * $investinfo['investor_interest'] * (1 - $rate), 4);
$investinfo['invest_fee_yh'] = getFloatValue($fee_rate * $investinfo['investor_interest'], 4);
//$invest_info_id = M('borrow_investor')->add($investinfo);
foreach ($investinfo as $key => $val) {
$upSql .= "{$key}={$val},";
}
$upSql = rtrim($upSql, ",");
$sql = sprintf("UPDATE %s SET {$upSql} where id=%s", "{$pre}borrow_investor", $invest_info_id);
$rtype = mysql_query($sql);
// M('borrow_investor')->where("id=".$invest_info_id)->save($investinfo);
//还款概要END
$monthDataDetail['month_times'] = $binfo['borrow_duration'];
$monthDataDetail['account'] = $investinfo['investor_capital'];
$monthDataDetail['year_apr'] = $binfo['borrow_interest_rate'];
//file_put_contents('/tmp/abc',date('m-d H:i:s')."monthDataDetail".print_r($monthDataDetail,true)."\n",FILE_APPEND);
$repay_list = EqualEndMonthBYWHH($monthDataDetail);
//file_put_contents('/tmp/abc',date('m-d H:i:s')."repay_list".print_r($repay_list,true)."\n",FILE_APPEND);
$i = 1;
foreach ($repay_list as $key => $v) {
$investdetail['borrow_id'] = $borrow_id;
$investdetail['invest_id'] = $invest_info_id;
$investdetail['investor_uid'] = $uid;
$investdetail['borrow_uid'] = $binfo['borrow_uid'];
$investdetail['capital'] = $v['capital'];
$investdetail['interest'] = $v['interest'];
$investdetail['interest_fee'] = getFloatValue($fee_rate * $v['interest'] * (1 - $rate), 4);
$investdetail['interest_fee_yh'] = getFloatValue($fee_rate * $v['interest'], 4);
$investdetail['status'] = 0;
$investdetail['sort_order'] = $i;
$investdetail['total'] = $binfo['borrow_duration'];
$i++;
$savedetail[] = $investdetail;
}
// file_put_contents('/tmp/abc',date('m-d H:i:s')."savedetail".print_r($savedetail,true)."\n",FILE_APPEND);
break;
case 5:
//一次性还款
$monthData['month_times'] = $binfo['borrow_duration'];
$monthData['account'] = $investinfo['investor_capital'];
$monthData['year_apr'] = $binfo['borrow_interest_rate'];
$monthData['type'] = "all";
$repay_detail = EqualEndMonthOnly($monthData);
$investinfo['investor_interest'] = $repay_detail['repayment_account'] - $investinfo['investor_capital'];
$investinfo['invest_fee'] = getFloatValue($fee_rate * $investinfo['investor_interest'] * (1 - $rate), 4);
$investinfo['invest_fee_yh'] = getFloatValue($fee_rate * $investinfo['investor_interest'], 4);
//$invest_info_id = M('borrow_investor')->add($investinfo);
$sql = sprintf("UPDATE %s SET investor_interest =%s,invest_fee =%s,invest_fee_yh=%s where id=%s", "{$pre}borrow_investor", $investinfo['investor_interest'], $investinfo['invest_fee'], $investinfo['invest_fee_yh'], $invest_info_id);
$rtype = mysql_query($sql);
// M('borrow_investor')->where("id=".$invest_info_id)->save($investinfo);
//还款概要END
$monthDataDetail['month_times'] = $binfo['borrow_duration'];
$monthDataDetail['account'] = $investinfo['investor_capital'];
$monthDataDetail['year_apr'] = $binfo['borrow_interest_rate'];
$monthDataDetail['type'] = "all";
$repay_list = EqualEndMonthOnly($monthDataDetail);
$investdetail['borrow_id'] = $borrow_id;
$investdetail['invest_id'] = $invest_info_id;
$investdetail['investor_uid'] = $uid;
$investdetail['borrow_uid'] = $binfo['borrow_uid'];
$investdetail['capital'] = $repay_list['capital'];
$investdetail['interest'] = $repay_list['interest'];
$investdetail['interest_fee'] = getFloatValue($fee_rate * $repay_list['interest'] * (1 - $rate), 4);
$investdetail['interest_fee_yh'] = getFloatValue($fee_rate * $repay_list['interest'], 4);
$investdetail['status'] = 0;
$investdetail['sort_order'] = 1;
$investdetail['total'] = 1;
$savedetail[] = $investdetail;
break;
}
foreach ($savedetail as $key => $val) {
// $invest_defail_id = M('investor_detail')->add($val);//保存还款详情
$vol = ' (' . implode(',', array_keys($val)) . ')';
$vlaue = ' (' . implode(',', $val) . ')';
$invest_defail_id = mysql_query("INSERT INTO {$pre}investor_detail {$vol} VALUES {$vlaue}");
}
// $last_have_money = M("borrow_info")->getFieldById($borrow_id,"has_borrow");
$result = mysql_query("SELECT has_borrow FROM {$pre}borrow_info WHERE id = {$borrow_id} LIMIT 1");
while ($row = mysql_fetch_assoc($result)) {
$last_have_money = $row['has_borrow'];
}
// $last_have_money = $last_have_money['has_borrow'];
$lasthavemoney = $last_have_money + $money;
$sql = "update {$pre}borrow_info set `has_borrow`= {$lasthavemoney},borrow_times=borrow_times+1 WHERE `id`={$borrow_id}";
$upborrow_res = mysql_query($sql);
//更新投标进度
if ($invest_defail_id && $rtype && $upborrow_res) {
//还款概要和详情投标进度都保存成功
$bdb->commit();
mysql_query("COMMIT");
//执行事务
// $investMoney->commit();
file_put_contents('/tmp/4.txt', date('m-d H:i:s') . " comminvest:：" . print_r($reqext, true) . "\n", FILE_APPEND);
$res = memberMoneyLog($uid, 6, -($money - $reqext), "对{$borrow_id}号标进行投标", $binfo['borrow_uid']);
//($uid,$type,$amoney,$info="",$target_uid="",$target_uname="",$fee=0,$reqext=0){
$today_reward = explode("|", $datag['today_reward']);
if ($binfo['repayment_type'] == '1') {
//如果是天标，则执行1个月的续投奖励利率
$reward_rate = floatval($today_reward[0]);
} else {
if ($binfo['borrow_duration'] == 1) {
$reward_rate = floatval($today_reward[0]);
} else {
if ($binfo['borrow_duration'] == 2) {
$reward_rate = floatval($today_reward[1]);
} else {
$reward_rate = floatval($today_reward[2]);
}
}
}
////////////////////////////////////////回款续投奖励规则 fan 2013-07-20////////////////////////////
//$reward_rate = floatval($datag['today_reward']);//floatval($datag['today_reward']);//当日回款续投奖励利率
if ($binfo['borrow_type'] != 3) {
//如果是秒标(borrow_type==3)，则没有续投奖励这一说
$vd['add_time'] = array("lt", time());
$vd['investor_uid'] = $uid;
//$borrow_invest_count = M("borrow_investor")->where($vd)->count('id');//检测是否投过标且大于一次
$sqlbic = sprintf("SELECT count(id) AS total FROM %s WHERE investor_uid=%s AND add_time<%s", "{$pre}borrow_investor", $uid, time());
// $borrow_invest_count = mysql_query("SELECT count(id) FROM {$pre}borrow_investor WHERE investor_uid")
$resultbic = mysql_query($sqlbic);
while ($rowbic = mysql_fetch_assoc($resultbic)) {
$borrow_invest_count = $rowbic['total'];
}
if ($reward_rate > 0 && $vminfo['back_money'] > 0 && $borrow_invest_count > 0) {
//首次投标不给续投奖励
if ($money > $vminfo['back_money']) {
//如果投标金额大于回款资金池金额，有效续投奖励以回款金额资金池总额为标准，否则以投标金额为准
$reward_money_s = $vminfo['back_money'];
} else {
$reward_money_s = $money;
}
$save_reward['borrow_id'] = $borrow_id;
$save_reward['reward_uid'] = $uid;
$save_reward['invest_money'] = $reward_money_s;
//如果投标金额大于回款资金池金额，有效续投奖励以回款金额资金池总额为标准，否则以投标金额为准
$save_reward['reward_money'] = $reward_money_s * $reward_rate / 1000;
//续投奖励
$save_reward['reward_status'] = 0;
$save_reward['add_time'] = time();
$save_reward['add_ip'] = get_client_ip();
//$newidxt = M("today_reward")->add($save_reward);
$vol = ' (' . implode(',', array_keys($save_reward)) . ')';
$vlaue = ' (' . implode(',', $save_reward) . ')';
$invest_defail_id = mysql_query("INSERT INTO {$pre}today_reward {$vol} VALUES {$vlaue}");
} else {
$result = true;
}
}
/////////////////////////回款续投奖励结束 2013-05-10 Dqsy///////////////////////////////
//////////////////////邀请奖励开始////////////////////////////////////////
$sqlm = sprintf("SELECT user_name,recommend_id,usrid FROM %s WHERE id = %s LIMIT 1", "{$pre}members", $uid);
$result = mysql_query($sqlm);
$vo = mysql_fetch_assoc($result);
// $vo = M('members')->field('user_name,recommend_id,usrid')->find($uid);
$sql = sprintf("SELECT usrid FROM %s WHERE id = %s LIMIT 1 ", "{$pre}members", $vo['recommend_id']);
$result = mysql_query($sql);
$recommend_usrid = mysql_fetch_assoc($result);
// $recommend_usrid = M('members')->field("usrid")->where("id = {$vo['recommend_id']}")->find();
$_rate = $datag['award_invest'] / 1000;
//推广奖励
$jiangli = getFloatValue($_rate * $investinfo['investor_capital'], 2);
if ($vo['recommend_id'] != 0) {
$obj = core::Singleton('huifu.huifu');
$obj->transfer($jiangli, $recommend_usrid['usrid']);
memberMoneyLog($vo['recommend_id'], 13, $jiangli, $vo['user_name'] . "对{$borrow_id}号标投资成功，你获得推广奖励" . $jiangli . "元。", $uid);
}
/////////////////////邀请奖励结束/////////////////////////////////////////
//$aaa = M('investor_detail')->where('invest_id =2629')->count();
//if($aaa !=3 ){
// exit('aaaaa');
//}
if ($lasthavemoney == $binfo['borrow_money']) {
borrowFull($borrow_id, $binfo['borrow_type']);
//满标，标记为还款中，更新相关数据
}
if (!$res) {
//没有正常记录和扣除帐户余额的话手动回滚
// M('investor_detail')->where("invest_id={$invest_info_id}")->delete();
// M('borrow_investor')->where("id={$invest_info_id}")->delete();
//更新投标进度
// $upborrowsql = "update `{$pre}borrow_info` set ";
// $upborrowsql .= "`has_borrow`=".$havemoney.",`borrow_times`=`borrow_times`-1";
// $upborrowsql .= " WHERE `id`={$borrow_id}";
// $upborrow_res = M()->execute($upborrowsql);
//更新投标进度
$done = false;
} else {
$done = true;
}
} else {
mysql_query("ROOLBACK");
}
mysql_query("SET AUTOCOMMIT=1");
mysql_close($handler);
return $done;
}
public function detail()
{
$vminfo = M('members')->field("user_leve,time_limit")->find($this->uid);
if (!($vminfo['user_leve'] > 0 && $vminfo['time_limit'] > time())) {
$this->error("请先通过VIP审核再投资", __APP__ . "/member/vip/invest");
}
if ($_GET['type'] == 'commentlist') {
//评论
$cmap['tid'] = intval($_GET['id']);
$clist = getCommentList($cmap, 5);
$this->assign("commentlist", $clist['list']);
$this->assign("commentpagebar", $clist['page']);
$this->assign("commentcount", $clist['count']);
$data['html'] = $this->fetch('commentlist');
exit(json_encode($data));
}
$pre = C('DB_PREFIX');
$id = intval($_GET['id']);
$Bconfig = (require C("APP_ROOT") . "Conf/borrow_config.php");
//合同ID
if ($this->uid) {
$invs = M('borrow_investor')->field('id')->where("borrow_id={$id} AND (investor_uid={$this->uid} OR borrow_uid={$this->uid})")->find();
if ($invs['id'] > 0) {
$invsx = $invs['id'];
} elseif (!is_array($invs)) {
$invsx = 'no';
}
} else {
$invsx = 'login';
}
$this->assign("invid", $invsx);
//合同ID
//borrowinfo
$borrowinfo = M("borrow_info")->field(true)->find($id);
if (!is_array($borrowinfo) || $borrowinfo['borrow_status'] == 0 && $this->uid != $borrowinfo['borrow_uid']) {
$this->error("数据有误");
}
$borrowinfo['biao'] = $borrowinfo['borrow_times'];
$borrowinfo['need'] = $borrowinfo['borrow_money'] - $borrowinfo['has_borrow'];
$borrowinfo['lefttime'] = $borrowinfo['collect_time'] - time();
$borrowinfo['progress'] = getFloatValue($borrowinfo['has_borrow'] / $borrowinfo['borrow_money'] * 100, 2);
$borrowinfo['vouch_progress'] = getFloatValue($borrowinfo['has_vouch'] / $borrowinfo['borrow_money'] * 100, 2);
$borrowinfo['vouch_need'] = $borrowinfo['borrow_money'] - $borrowinfo['has_vouch'];
$this->assign("vo", $borrowinfo);
//borrowinfo
//此标借款利息还款相关情况
if ($borrowinfo['repayment_type'] == 2) {
$money = 100;
$rate = $borrowinfo['borrow_interest_rate'];
$month = $borrowinfo['borrow_duration'];
$monthData['money'] = $money;
$monthData['year_apr'] = $rate;
$monthData['duration'] = $month;
$monthData['type'] = "all";
$repay_detail = EqualMonth($monthData);
$this->assign('repay_detail', $repay_detail);
} elseif ($borrowinfo['repayment_type'] == 3) {
$money = 100;
$rate = $borrowinfo['borrow_interest_rate'];
$month = $borrowinfo['borrow_duration'];
$monthData['account'] = $money;
$monthData['year_apr'] = $rate;
$monthData['month_times'] = $month;
$monthData['type'] = "all";
$repay_detail = EqualSeason($monthData);
$this->assign('repay_detail', $repay_detail);
} elseif ($borrowinfo['repayment_type'] == 4) {
$money = 100;
$rate = $borrowinfo['borrow_interest_rate'];
$month = $borrowinfo['borrow_duration'];
$parm['month_times'] = $month;
$parm['account'] = $money;
$parm['year_apr'] = $rate;
$parm['type'] = "all";
$repay_detail = EqualEndMonth($parm);
$repay_detail['repayment_money'] = $repay_detail['repayment_account'];
$this->assign("repay_detail", $repay_detail);
} elseif ($borrowinfo['repayment_type'] == 1) {
$repay_detail['repayment_money'] = getFloatValue(100 + 100 * $borrowinfo['borrow_interest_rate'] * $borrowinfo['borrow_duration'] / 100, 2);
$this->assign('repay_detail', $repay_detail);
}
//此标借款利息还款相关情况
//memberinfo
$memberinfo = M("members m")->field("m.id,m.customer_name,m.customer_id,m.user_name,m.reg_time,m.credits,fi.*,mi.*")->join("{$pre}member_financial_info fi ON fi.uid = m.id")->join("{$pre}member_info mi ON mi.uid = m.id")->where("m.id={$borrowinfo['borrow_uid']}")->find();
$areaList = getArea();
$memberinfo['location'] = $areaList[$memberinfo['province']] . $areaList[$memberinfo['city']];
$memberinfo['location_now'] = $areaList[$memberinfo['province_now']] . $areaList[$memberinfo['city_now']];
$this->assign("minfo", $memberinfo);
//memberinfo
//vouch_list
$vouch_list = M("borrow_vouch")->field(true)->where("borrow_id={$id}")->select();
$this->assign("vouch_list", $vouch_list);
$this->assign("Vstatus", array(0 => '担保中', 1 => "担保完成"));
//vouch_list
//data_list
$data_list = M("member_data_info")->field('type,add_time,count(status) as num,sum(deal_credits) as credits')->where("uid={$borrowinfo['borrow_uid']} AND status=1")->group('type')->select();
$this->assign("data_list", $data_list);
//data_list
//paying_list
$paying_list = getMemberBorrow($borrowinfo['borrow_uid']);
$this->assign("paying_list", $paying_list);
//paying_list
//近期还款的投标
//$time1 = microtime(true)*1000;
$history = getDurationCount($borrowinfo['borrow_uid']);
$this->assign("history", $history);
//$time2 = microtime(true)*1000;
//echo $time2-$time1;
//investinfo
$fieldx = "bi.investor_capital,bi.add_time,m.user_name,bi.is_auto";
$investinfo = M("borrow_investor bi")->field($fieldx)->join("{$pre}members m ON bi.investor_uid = m.id")->where("bi.borrow_id={$id}")->order("bi.id DESC")->select();
$this->assign("investinfo", $investinfo);
//investinfo
//帐户资金情况
$this->assign("mainfo", getMinfo($borrowinfo['borrow_uid'], true));
$this->assign("capitalinfo", getMemberBorrowScan($borrowinfo['borrow_uid']));
//帐户资金情况
//评论
$cmap['tid'] = $id;
$cmap['is_audit'] = 1;
//审核通过的评论
$clist = getCommentList($cmap, 5);
$this->assign("Bconfig", $Bconfig);
$this->assign("commentlist", $clist['list']);
$this->assign("commentpagebar", $clist['page']);
$this->assign("commentcount", $clist['count']);
$this->display();
}
