public static function getCreditDetail($orderId, $transferShares, $discountRate)
{
$data = [];
$model = static::find()->where('status=2 and deal_number=:orderId', [':orderId' => $orderId])->one();
//@todo Search and Fetch order object from Credit order table, if this orderId is credit order id.
if ($model) {
$deal = Deal::findOne($model->deal_id);
if ($deal && $deal->deal_status == 5) {
$repaymentOrders = RepaymentOrder::find()->where('deal_number=:dealOrderId and status<>3', [':dealOrderId' => $model->deal_number])->orderBy('deal_qishu')->all();
$lastRepaymentDate = null;
$nextRepaymentDate = null;
$retrievedPrincipalAmt = 0.0;
$retrievedInterestAmt = 0.0;
$remainedPrincipalAmt = 0.0;
$remainedInterestAmt = 0.0;
$currentTermId = 1;
$currentRepaymentOrder = $repaymentOrders[0];
foreach ($repaymentOrders as $repaymentOrder) {
if ($repaymentOrder->status == 1) {
$remainedPrincipalAmt += $repaymentOrder->benjin;
$remainedInterestAmt += $repaymentOrder->lixi;
if ($nextRepaymentDate < $repaymentOrder->refund_time) {
$nextRepaymentDate = $repaymentOrder->refund_time;
}
if (time() < $repaymentOrder->refund_time) {
$currentTermId = min($currentTermId, $repaymentOrder->deal_qishu);
$currentRepaymentOrder = $repaymentOrder;
}
}
if ($repaymentOrder->status == 2) {
$retrievedPrincipalAmt += $repaymentOrder->benjin;
$retrievedInterestAmt += $repaymentOrder->lixi;
if ($lastRepaymentDate < $repaymentOrder->refund_time) {
$lastRepaymentDate = $repaymentOrder->refund_time;
}
}
}
$orderEffectiveDate = max($deal->full_time, $model->order_time);
$holdingPeriodInDay = static::loanTermCalc(date('Y-m-d', $orderEffectiveDate), null, time(), 'd', false)['period']->days;
$creditCount = intval($remainedPrincipalAmt / 100) ? intval($remainedPrincipalAmt / 100) : ($remainedPrincipalAmt ? 1 : 0);
//如果有债权可以转让，则继续计算
if ($creditCount) {
/** @var integer $creditTransferShares 债权转让份数 */
$creditTransferShares = min($transferShares, $creditCount);
/**
* 当期利息分账，债权转让时，只有当期中尚未还款的利息与债权出让人有关系，因此只针对当期未还的利息进行分账
* @var integer $currentTermLength 当期还款订单涵盖了多少天
* @var integer $accruedInterestDays 出让人的应计利息天数，本质是上一还款日到今天的天数，不含当天（当天的收益属于债权受让人）
* @var float $creditUnitPrincipalAmt 每份债权的本金金额
* @var float $creditUnitInterestAmt 每份债权的利息金额
* @var float $creditUnitAccruedInterestAmt 债权出让人的每份债权当期利息收入 即，应计利息
*/
if (!$lastRepaymentDate) {
$lastRepaymentDate = $deal->full_time;
}
$currentTermLength = static::loanTermCalc(date('Y-m-d', $lastRepaymentDate), null, $currentRepaymentOrder->refund_time, 'd', false)['period']->days;
$accruedInterestDays = static::loanTermCalc(date('Y-m-d', $lastRepaymentDate), null, time(), 'd', false)['period']->days;
$accruedInterestDays = $accruedInterestDays > 1 ? $accruedInterestDays - 1 : $accruedInterestDays;
$totalAccruedInterestAmt = $currentRepaymentOrder->lixi / $currentTermLength * $accruedInterestDays;
// $remainedInterestAmt = $remainedInterestAmt - $totalAccruedInterestAmt;
$creditUnitPrincipalAmt = $remainedPrincipalAmt / $creditCount;
$creditUnitInterestAmt = $remainedInterestAmt / $creditCount;
$creditUnitAccruedInterestAmt = $totalAccruedInterestAmt / $creditCount;
/**
* 债权相关价值价格等计算
* @var integer $creditLeavingPeriodInDay 债权剩余期限
* @var float $creditUnitValue 每份债权实际价值
* @var float $creditDiscountRate 折让率
* @var float $creditUnitPrice 每份债权的出让价格
* @var float $creditUnitActualValue 每份债权的应收本息金额
* @var float $creditFeeRate 债权转让的手续费率，默认是千五
* @var float $creditUnitFeeAmt 每份债权的转让费金额
* @var float $creditUnitIncomingAmt 每份债权于转让人而言的实际收入
*
*/
$creditLeavingPeriodInDay = static::loanTermCalc(null, null, $deal->deal_end_date, 'd', false)['period']->days + 1;
$creditUnitValue = $creditUnitPrincipalAmt + $creditUnitAccruedInterestAmt;
$creditDiscountRate = $discountRate;
$creditUnitPrice = $creditUnitPrincipalAmt * (1 - $creditDiscountRate / 100) + $creditUnitAccruedInterestAmt;
$creditUnitActualValue = $creditUnitPrincipalAmt + $creditUnitInterestAmt;
$creditFeeRate = 0.003;
$creditUnitFeeAmt = $creditUnitPrincipalAmt * (1 - $creditDiscountRate / 100) * $creditFeeRate;
$creditUnitIncomingAmt = $creditUnitPrice - $creditUnitFeeAmt;
}
$data = ['deal_id' => $deal->deal_id, 'deal_title' => $deal->title, 'deal_rate' => $deal->syl, 'deal_end_date' => date('Y-m-d', $deal->deal_end_date), 'bidAmt' => $model->order_money, 'unitRetrievedPrincipalAmt' => $retrievedPrincipalAmt / $creditCount, 'unitRetrievedInterestAmt' => $retrievedInterestAmt / $creditCount, 'totalAmt' => $creditUnitPrice * $creditTransferShares, 'totalFeeAmt' => $creditUnitPrincipalAmt * (1 - $creditDiscountRate / 100) * $creditTransferShares * $creditFeeRate, 'totalIncomingAmt' => $creditUnitIncomingAmt * $creditTransferShares, 'holdingPeriodInDay' => $holdingPeriodInDay, 'user_id' => $model->uid, 'order_id' => $model->deal_number, 'leaving_period' => $creditLeavingPeriodInDay, 'repayment_term_id' => $currentRepaymentOrder->deal_qishu, 'shares' => $creditCount, 'transfer_shares' => $creditTransferShares, 'discount_rate' => $creditDiscountRate, 'unit_principal_amt' => $creditUnitPrincipalAmt, 'unit_interest_amt' => $creditUnitInterestAmt, 'unit_accrued_interest_amt' => $creditUnitAccruedInterestAmt, 'actual_unit_value' => $creditUnitActualValue, 'unit_value' => $creditUnitValue, 'unit_price' => $creditUnitPrice, 'transfer_fee_rate' => $creditFeeRate, 'unit_fee_amt' => $creditUnitFeeAmt, 'unit_incoming_amt' => $creditUnitIncomingAmt, 'accruedInterestDays' => $accruedInterestDays];
} else {
die('订单虽然是正确的，但很显然，该订单所依附的标的已执行完毕，不可进行债权转让了！');
}
} else {
die('对不起，找不到该订单号！');
}
return $data;
}
/**
* @param $creditId
* @param $shares
* @param $userId
*/
public function actionBuy($creditId, $shares, $userId, $orderId)
{
$respCode = -1;
$link = null;
$message = '请求异常';
if ($credit = Credit::findOne($creditId)) {
if ($credit->status == 0) {
if ($credit->in_stock_shares >= $shares) {
$creditPrincipalAmt = number_format($credit->unit_principal_amt * $shares, 2, '.', '');
$bidOrder = DealOrder::find()->where('deal_number=:orderId', [':orderId' => $credit->order_id])->one();
$deal = Deal::find()->where('deal_id=:dealId', [':dealId' => $bidOrder->deal_id])->one();
$order = new CreditOrder();
$order->serial = $orderId;
$order->credit_id = $creditId;
$order->deal_id = $credit->deal_id;
$order->user_id = $userId;
$order->shares = $shares;
$order->amount = $credit->unit_price * $shares;
$order->fee = $credit->unit_fee_amt * $shares;
if ($order->validate()) {
if ($order->save()) {
$cnpnr = new ChinaPNR();
$cnpnr->creditAssign(CnpnrAccount::find()->where('uid=:userId', [':userId' => $bidOrder->uid])->one()->UsrCustId, CnpnrAccount::find()->where('uid=:userId', [':userId' => $userId])->one()->UsrCustId, $creditPrincipalAmt, $order->amount, $order->fee);
$bidDetails = ['BidDetails' => [['BidOrdId' => $bidOrder->deal_number, 'BidOrdDate' => $bidOrder->OrdDate, 'BidCreditAmt' => $creditPrincipalAmt, 'BorrowerDetails' => [['BorrowerCustId' => CnpnrAccount::find()->where('uid=:userId', [':userId' => $deal->uid])->one()->UsrCustId, 'BorrowerCreditAmt' => $creditPrincipalAmt, 'PrinAmt' => number_format(0, 2, '.', '')]]]]];
$cnpnr->BidDetails = Json::encode($bidDetails);
$cnpnr->ordId = $order->serial;
$cnpnr->ordDate = substr($order->serial, 0, 8);
$link = $cnpnr->getLink();
$respCode = 0;
$message = '成功';
}
}
} else {
$respCode = -4;
}
//库存不足
} else {
$respCode = -3;
}
} else {
$respCode = -2;
}
if ($respCode == -2) {
$message = '指定的债权不存在，无法完成购买！';
}
if ($respCode == -3) {
$message = '债权未在发售中，无法完成购买！';
}
if ($respCode == -4) {
$message = '债权数量不足，无法完成购买！';
}
Yii::$app->response->format = Response::FORMAT_JSON;
return ['respCode' => $respCode, 'link' => $link, 'message' => $message];
}
