public function contact()
{
$id = intval($_REQUEST['id']);
if ($id == 0) {
echo "不存在的债权";
die;
}
//先执行更新借贷信息
$deal_id = $GLOBALS['db']->getOne("SELECT deal_id FROM " . DB_PREFIX . "deal_load WHERE id=" . $id);
if ($deal_id == 0) {
echo "不存在的债权";
die;
} else {
syn_deal_status($deal_id);
}
$condition = ' AND dlt.id=' . $id . ' AND d.deal_status >= 4 and d.is_effect=1 and d.is_delete=0 and d.loantype = 0 and d.repay_time_type =1 and d.publish_wait=0 and (dlt.user_id=' . $GLOBALS['user_info']['id'] . ' or dlt.t_user_id = ' . $GLOBALS['user_info']['id'] . ') ';
$union_sql = " LEFT JOIN " . DB_PREFIX . "deal_load_transfer dlt ON dlt.deal_id = dl.deal_id ";
$sql = 'SELECT dlt.id,dlt.deal_id,dlt.load_id,dlt.transfer_amount,dlt.near_repay_time,dlt.user_id,d.next_repay_time,d.last_repay_time,d.rate,d.repay_start_time,d.repay_time,dlt.load_money,dlt.id as dltid,dlt.status as tras_status,dlt.t_user_id,dlt.transfer_amount,dlt.create_time as tras_create_time,dlt.transfer_time,d.user_id as duser_id FROM ' . DB_PREFIX . 'deal_load dl LEFT JOIN ' . DB_PREFIX . 'deal d ON d.id = dl.deal_id ' . $union_sql . ' WHERE 1=1 ' . $condition;
$transfer = $GLOBALS['db']->getRow($sql);
if ($transfer) {
//下个还款日
$transfer['next_repay_time_format'] = to_date($transfer['near_repay_time'], "Y 年 m 月 d 日");
$transfer['near_repay_time_format'] = to_date(next_replay_month($transfer['near_repay_time'], " -1 "), "Y 年 m 月 d 日");
//什么时候开始借
$transfer['repay_start_time_format'] = to_date($transfer['repay_start_time'], "Y 年 m 月 d 日");
//还款日
$transfer['final_repay_time'] = next_replay_month($transfer['repay_start_time'], $transfer['repay_time']);
$transfer['final_repay_time_format'] = to_date($transfer['final_repay_time'], "Y 年 m 月 d 日");
//剩余期数
$transfer['how_much_month'] = how_much_month($transfer['near_repay_time'], $transfer['final_repay_time']) + 1;
//本息还款金额
$transfer['month_repay_money'] = pl_it_formula($transfer['load_money'], $transfer['rate'] / 12 / 100, $transfer['repay_time']);
$transfer['month_repay_money_format'] = format_price($transfer['month_repay_money']);
//剩余多少钱未回
$transfer['all_must_repay_money'] = $transfer['month_repay_money'] * $transfer['how_much_month'];
$transfer['all_must_repay_money_format'] = format_price($transfer['all_must_repay_money']);
//剩余多少本金未回
$transfer['left_benjin'] = get_benjin($transfer['repay_time'] - $transfer['how_much_month'] - 1, $transfer['repay_time'], $transfer['load_money'], $transfer['month_repay_money'], $transfer['rate']);
$transfer['left_benjin_format'] = format_price($transfer['left_benjin']);
//剩多少利息
$transfer['left_lixi'] = $transfer['all_must_repay_money'] - $transfer['left_benjin'];
$transfer['left_lixi_format'] = format_price($transfer['left_lixi']);
//投标价格
$transfer['load_money_format'] = format_price($transfer['load_money']);
//转让价格
$transfer['transfer_amount_format'] = format_price($transfer['transfer_amount']);
//转让管理费
$transfer_fee = $transfer['transfer_amount'] * (double) app_conf("USER_LOAD_TRANSFER_FEE");
if ($transfer_fee != 0) {
$transfer_fee = $transfer_fee / 100;
}
$transfer['transfer_fee_format'] = format_price($transfer_fee);
//转让收益
$transfer['transfer_income_format'] = format_price($transfer['all_must_repay_money'] - $transfer['transfer_amount']);
if ($transfer['tras_create_time'] != "") {
$transfer['tras_create_time_format'] = to_date($transfer['tras_create_time'], "Y 年 m 月 d 日");
}
$transfer['transfer_time_format'] = to_date($transfer['transfer_time'], "Y 年 m 月 d 日");
$transfer['user'] = get_user("user_name,real_name,idno,level_id", $transfer['user_id']);
$transfer['tuser'] = get_user("user_name,real_name,idno,level_id", $transfer['t_user_id']);
$transfer['duser'] = get_user("user_name,real_name,idno,level_id", $transfer['duser_id']);
$GLOBALS['tmpl']->assign('transfer', $transfer);
} else {
echo "不存在的债权";
die;
}
$contract = $GLOBALS['tmpl']->fetch("str:" . app_conf("TCONTRACT"));
$GLOBALS['tmpl']->assign('contract', $contract);
$GLOBALS['tmpl']->display("inc/uc/transfer_contact.html");
}
public function index()
{
if (trim($_REQUEST['search']) == "do") {
$start_time = trim($_REQUEST['start_time']);
if ($start_time == "") {
$this->error("请选择开始时间");
die;
}
$this->assign("start_time", $start_time);
$end_time = trim($_REQUEST['end_time']);
if ($end_time == "") {
$this->error("请选择结束时间");
die;
}
$this->assign("end_time", $end_time);
$start_time = to_timespan($start_time, "Y-m-d");
$end_time = to_timespan($end_time, "Y-m-d");
if ($end_time < $start_time) {
$this->error("结束时间必须大于开始时间");
die;
}
$now_time = to_timespan(to_date(TIME_UTC, "Y-m-d"), "Y-m-d");
if ($end_time > $now_time) {
$end_time = $now_time;
}
//开始时间跟结束时间差多少天
$day = ($end_time - $start_time) / 24 / 3600;
$list = array();
$day_time = $start_time;
//标分类
$deal_cate = load_auto_cache("cache_deal_cate");
/*foreach($deal_cate as $kk=>$vv){
if(strpos($vv['name'],"智能")!==false){
unset($deal_cate[$kk]);
}
}*/
$this->assign("deal_cate", $deal_cate);
//获取改时间段内所有的 还款中和 已还清的贷款
//$deals = $GLOBALS['db']->getAll("SELECT id FROM ".DB_PREFIX."deal where deal_status in(4,5) and is_effect=1 and is_delete=0 and publish_wait=0 AND success_time >= $start_time and ((loantype=1 and (success_time + repay_time*31*24*3600) >=$end_time) or (loantype=0 and (success_time + (repay_time+1)*24*3600)>=$end_time))");
$deals = $GLOBALS['db']->getAll("SELECT id FROM " . DB_PREFIX . "deal where deal_status in(4,5) and is_effect=1 and is_delete=0 and publish_wait=0 AND success_time >= {$start_time}");
$temp_deals = array();
require_once APP_ROOT_PATH . "app/Lib/common.php";
require_once APP_ROOT_PATH . "app/Lib/deal.php";
require_once APP_ROOT_PATH . "system/libs/user.php";
for ($i = 0; $i <= $day; $i++) {
$list[$i]['day'] = $day_time;
//线上充值金额
$list[$i]['online_pay'] = floatval($GLOBALS['db']->getOne("SELECT sum(deal_total_price) FROM " . DB_PREFIX . "deal_order where pay_status=2 and type = 1 and is_delete = 0 and create_time between {$day_time} and {$day_time}+24*3600 and payment_id not in (SELECT id from " . DB_PREFIX . "payment where class_name='Otherpay') "));
//线下充值金额
$list[$i]['below_pay'] = floatval($GLOBALS['db']->getOne("SELECT sum(deal_total_price) FROM " . DB_PREFIX . "deal_order where pay_status=2 and type = 1 and is_delete = 0 and create_time between {$day_time} and {$day_time}+24*3600 and payment_id in (SELECT id from " . DB_PREFIX . "payment where class_name='Otherpay') "));
foreach ($deal_cate as $kk => $vv) {
//if(strpos($vv['name'],"智能")===false)
$list[$i][$vv['id']]['borrow_amount'] = floatval($GLOBALS['db']->getOne("SELECT sum(borrow_amount) FROM " . DB_PREFIX . "deal where deal_status=4 and is_delete = 0 and publish_wait = 0 and success_time between {$day_time} and {$day_time}+24*3600 and cate_id=" . $vv['id']));
}
//投资总额[投标者]
$list[$i]['load_amount'] = floatval($GLOBALS['db']->getOne("SELECT sum(money) FROM " . DB_PREFIX . "deal_load where is_repay=0 and create_time between {$day_time} and {$day_time}+24*3600"));
//已获利息总额[投标者]
$list[$i]['load_lixi_amount'] = floatval($GLOBALS['db']->getOne("SELECT (sum(repay_money) - sum(self_money)) FROM " . DB_PREFIX . "deal_load_repay where true_repay_time between {$day_time} and {$day_time}+24*3600"));
//应付本金
$list[$i]['benjin_amount'] = 0;
//应付利息
$list[$i]['pay_lxi_amount'] = 0;
//应付罚息
$list[$i]['impose_amount'] = 0;
//已付本金
$list[$i]['has_repay_benjin_amount'] = 0;
//已付利息
$list[$i]['has_repay_lxi_amount'] = 0;
//已付罚息
$list[$i]['has_repay_impose_amount'] = 0;
foreach ($deals as $kk => $vv) {
if (!isset($temp_deals[$vv['id']])) {
$temp_deals[$vv['id']]['deal'] = get_deal($vv['id']);
$temp_deals[$vv['id']]['loan'] = get_deal_load_list($temp_deals[$vv['id']]['deal']);
}
foreach ($temp_deals[$vv['id']]['loan'] as $kkk => $vvv) {
//如果刚好等于传入的时间就开始计算
if ($vvv['true_repay_time'] >= $day_time && $vvv['true_repay_time'] <= $day_time + 24 * 3600 - 1 || $vvv['repay_day'] == $day_time) {
if ($temp_deals[$vv['id']]['deal']['month_repay_money'] > 0 || $temp_deals[$vv['id']]['deal']['last_month_repay_money'] > 0) {
if ($temp_deals[$vv['id']]['deal']['loantype'] == 0) {
$benj = get_benjin($kkk, count($temp_deals[$vv['id']]['loan']), $temp_deals[$vv['id']]['deal']['borrow_amount'], $temp_deals[$vv['id']]['deal']['month_repay_money'], $temp_deals[$vv['id']]['deal']['rate']);
$list[$i]['benjin_amount'] += $benj;
$list[$i]['pay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['month_repay_money'] - $benj;
} elseif ($temp_deals[$vv['id']]['deal']['loantype'] == 1) {
if ($kkk + 1 == count($temp_deals[$vv['id']]['loan'])) {
$list[$i]['benjin_amount'] += $temp_deals[$vv['id']]['deal']['borrow_amount'];
$list[$i]['pay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['last_month_repay_money'] - $list[$i]['benjin_amount'];
} else {
$list[$i]['pay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['month_repay_money'];
}
} elseif ($temp_deals[$vv['id']]['deal']['loantype'] == 2) {
if ($kkk + 1 == count($temp_deals[$vv['id']]['loan'])) {
$list[$i]['benjin_amount'] += $temp_deals[$vv['id']]['deal']['borrow_amount'];
$list[$i]['pay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['last_month_repay_money'] - $temp_deals[$vv['id']]['deal']['borrow_amount'];
}
}
$list[$i]['impose_amount'] += $vvv['impose_money'];
if ($vvv['has_repay'] == 1) {
if ($temp_deals[$vv['id']]['deal']['loantype'] == 0) {
$benj = get_benjin($kkk, count($temp_deals[$vv['id']]['loan']), $temp_deals[$vv['id']]['deal']['borrow_amount'], $temp_deals[$vv['id']]['deal']['month_repay_money'], $temp_deals[$vv['id']]['deal']['rate']);
$list[$i]['has_repay_benjin_amount'] += $benj;
$list[$i]['has_repay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['month_repay_money'] - $benj;
} elseif ($temp_deals[$vv['id']]['deal']['loantype'] == 1) {
if ($kkk + 1 == count($temp_deals[$vv['id']]['loan'])) {
$list[$i]['has_repay_benjin_amount'] += $temp_deals[$vv['id']]['deal']['borrow_amount'];
$list[$i]['has_repay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['last_month_repay_money'] - $list[$i]['benjin_amount'];
} else {
$list[$i]['has_repay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['month_repay_money'];
}
} elseif ($temp_deals[$vv['id']]['deal']['loantype'] == 2) {
if ($kkk + 1 == count($temp_deals[$vv['id']]['loan'])) {
$list[$i]['has_repay_benjin_amount'] += $temp_deals[$vv['id']]['deal']['borrow_amount'];
$list[$i]['has_repay_lxi_amount'] += $temp_deals[$vv['id']]['deal']['last_month_repay_money'] - $temp_deals[$vv['id']]['deal']['borrow_amount'];
}
}
$list[$i]['has_repay_impose_amount'] += $vvv['impose_money'];
}
}
}
}
}
//待还本金
$list[$i]['wait_repay_benjin_amount'] = $list[$i]['benjin_amount'] - $list[$i]['has_repay_benjin_amount'];
//待还利息
$list[$i]['wait_repay_lxi_amount'] = $list[$i]['pay_lxi_amount'] - $list[$i]['has_repay_lxi_amount'];
//待还罚息
$list[$i]['wait_repay_impose_amount'] = $list[$i]['impose_amount'] - $list[$i]['has_repay_impose_amount'];
//申请提现总额
$list[$i]['carry'] = floatval($GLOBALS['db']->getOne("SELECT sum(money) FROM " . DB_PREFIX . "user_carry where create_time between {$day_time} and {$day_time}+24*3600 "));
//成功提现金额
$list[$i]['suc_carry'] = floatval($GLOBALS['db']->getOne("SELECT sum(money) FROM " . DB_PREFIX . "user_carry where status=1 and update_time between {$day_time} and {$day_time}+24*3600 "));
$day_time += 24 * 3600;
}
//待投资资金
$user_amount = M("User")->where("is_delete=0 AND is_effect=1")->sum("money");
$this->assign("user_amount", $user_amount);
$this->assign("list", $list);
}
$this->display();
}
/**
* 获取该期本金
* int $Idx 第几期
* floatval $amount_money 总的借款多少
* floatval $month_repay_money 月还本息
* floatval $rate 费率
*/
function get_self_money($idx, $amount_money, $month_repay_money, $rate)
{
return $month_repay_money - get_benjin($idx, $idx, $amount_money, $month_repay_money, $rate) * $rate / 12 / 100;
}
function getUcTransferBuys($page, $status)
{
if ($page == 0) {
$page = 1;
}
$limit = ($page - 1) * app_conf("PAGE_SIZE") . "," . app_conf("PAGE_SIZE");
$page_args = array();
$condition = ' and d.is_effect=1 and d.is_delete=0 and d.repay_time_type =1 and d.publish_wait=0 and dlt.t_user_id=' . $GLOBALS['user_info']['id'] . " ";
$union_sql = " LEFT JOIN " . DB_PREFIX . "deal_load_transfer dlt ON dlt.deal_id = dl.deal_id and dlt.load_id=dl.id ";
switch ($status) {
case 1:
//回收中
$condition .= " AND d.deal_status = 4 ";
break;
case 2:
//已回收
$condition .= " AND d.deal_status = 5 ";
break;
default:
//默认
$condition .= " AND d.deal_status >= 4 ";
break;
}
$count_sql = 'SELECT count(dl.id) FROM ' . DB_PREFIX . 'deal_load dl LEFT JOIN ' . DB_PREFIX . 'deal d ON d.id = dl.deal_id ' . $union_sql . ' WHERE 1=1 ' . $condition;
$rs_count = $GLOBALS['db']->getOne($count_sql . " LIMIT {$limit} ");
$list = array();
if ($rs_count > 0) {
$list_sql = 'SELECT dl.id as dlid,d.*,dl.money as load_money,dlt.id as dltid,dlt.status as tras_status,dlt.t_user_id,dlt.transfer_amount,dlt.create_time as tras_create_time,dlt.transfer_time FROM ' . DB_PREFIX . 'deal_load dl LEFT JOIN ' . DB_PREFIX . 'deal d ON d.id = dl.deal_id ' . $union_sql . ' WHERE 1=1 ' . $condition;
$list = $GLOBALS['db']->getAll($list_sql);
foreach ($list as $k => $v) {
//最后还款日
$list[$k]['final_repay_time'] = next_replay_month($v['repay_start_time'], $v['repay_time']);
$list[$k]['final_repay_time_format'] = to_date($list[$k]['final_repay_time'], "Y-m-d");
//剩余期数
if ($v['deal_status'] == 4) {
if (intval($v['last_repay_time']) > 0) {
$list[$k]['how_much_month'] = how_much_month($v['last_repay_time'], $list[$k]['final_repay_time']);
} else {
$list[$k]['how_much_month'] = how_much_month($v['repay_start_time'], $list[$k]['final_repay_time']);
}
} else {
$list[$k]['how_much_month'] = 0;
}
if ($v['loantype'] == 0) {
$list[$k]['month_repay_money'] = pl_it_formula($v['load_money'], $v['rate'] / 12 / 100, $v['repay_time']);
} elseif ($v['loantype'] == 1) {
$list[$k]['month_repay_money'] = av_it_formula($v['load_money'], $v['rate'] / 12 / 100);
} elseif ($v['loantype'] == 2) {
$list[$k]['month_repay_money'] = 0;
}
if ($v['deal_status'] == 4) {
if ($v['loantype'] == 0) {
//剩余多少钱未回
$list[$k]['all_must_repay_money'] = $list[$k]['month_repay_money'] * $list[$k]['how_much_month'];
//剩余多少本金未回
$list[$k]['left_benjin'] = get_benjin($v['repay_time'] - $list[$k]['how_much_month'] - 1, $v['repay_time'], $v['load_money'], $list[$k]['month_repay_money'], $v['rate']);
} elseif ($v['loantype'] == 1) {
//剩余多少钱未回
$list[$k]['all_must_repay_money'] = $list[$k]['month_repay_money'] * $list[$k]['how_much_month'] + $v['load_money'];
//剩余多少本金未回
$list[$k]['left_benjin'] = $v['load_money'];
} elseif ($v['loantype'] == 2) {
//剩余多少钱未回
$list[$k]['all_must_repay_money'] = $v['load_money'] * $v['rate'] / 12 / 100 * $v['repay_time'] + $v['load_money'];
//剩余多少本金未回
$list[$k]['left_benjin'] = $v['load_money'];
}
$list[$k]['left_benjin_format'] = format_price($list[$k]['left_benjin'] / 10000) . "万";
//剩多少利息
$list[$k]['left_lixi'] = $list[$k]['all_must_repay_money'] - $list[$k]['left_benjin'];
$list[$k]['left_lixi_format'] = format_price($list[$k]['left_lixi']);
} else {
$list[$k]['left_benjin_format'] = format_price(0);
$list[$k]['left_lixi_format'] = format_price(0);
}
//转让价格
$list[$k]['transfer_amount_format'] = format_price($v['transfer_amount'] / 10000) . "万";
if ($v['tras_create_time'] != "") {
$list[$k]['tras_create_time_format'] = to_date($v['tras_create_time'], "Y-m-d");
}
if (intval($v['transfer_time']) > 0) {
$list[$k]['transfer_time_format'] = to_date($v['transfer_time'], "Y-m-d");
}
$list[$k]['tras_status_op'] = 5;
if ($v['deal_status'] == 4) {
$list[$k]['tras_status_format'] = '回收中';
} elseif ($v['deal_status'] == 5) {
$list[$k]['tras_status_format'] = '已回收';
}
$durl = "/index.php?ctl=deal&act=mobile&id=" . $v['id'];
$list[$k]['app_url'] = str_replace("/mapi", "", SITE_DOMAIN . $durl);
}
return array('list' => $list, 'count' => $rs_count);
} else {
return array('list' => null, 'count' => 0);
}
}
/**
* 债券转让计算
*/
function transfer($transfer)
{
$return['month_repay_money'] = pl_it_formula($transfer['load_money'], $transfer['rate'] / 12 / 100, $transfer['repay_time']);
//剩余多少钱未回
$return['all_must_repay_money'] = $return['month_repay_money'] * $transfer['how_much_month'];
//剩余多少本金未回
if ($transfer['repay_time'] == $transfer['how_much_month']) {
$return['left_benjin'] = $transfer['load_money'];
} else {
$return['left_benjin'] = get_benjin($transfer['repay_time'] - $transfer['how_much_month'], $transfer['repay_time'], $transfer['load_money'], $return['month_repay_money'], $transfer['rate']);
}
return $return;
}
function getUCInrepayRepayBorrowMoney($id)
{
$id = intval($id);
$root = array();
$root["status"] = 0;
//0:出错;1:正确;
if ($id == 0) {
$root["show_err"] = "操作失败！";
return $root;
}
$deal = get_deal($id);
if (!$deal) {
$root["show_err"] = "借款不存在！";
return $root;
}
if ($deal['user_id'] != $GLOBALS['user_info']['id']) {
$root["show_err"] = "不属于你的借款！";
return $root;
}
if ($deal['deal_status'] != 4) {
$root["show_err"] = "借款不是还款状态！";
return $root;
}
$time = TIME_UTC;
$impose_money = 0;
//还了几期了
$has_repay_count = $GLOBALS['db']->getOne("SELECT count(*) FROM " . DB_PREFIX . "deal_repay WHERE deal_id=" . $id);
//计算罚息
$loan_list = get_deal_load_list($deal);
$k_repay_time = 0;
foreach ($loan_list as $k => $v) {
if ($k > $has_repay_count - 1) {
if ($k_repay_time == 0) {
$k_repay_time = $v['repay_day'];
}
$impose_money += $v['impose_money'];
}
}
if ($impose_money > 0) {
$root["show_err"] = "请将逾期未还的借款还完才可以进行此操作！";
return $root;
}
//月利率
$rate = $deal['rate'] / 12 / 100;
$impose_money = 0;
//计算剩多少本金
$benjin = $deal['borrow_amount'];
if ($deal['loantype'] == 0) {
//等额本息的时候才通过公式计算剩余多少本金
for ($i = 1; $i <= $has_repay_count; $i++) {
$benjin = $benjin - ($deal['month_repay_money'] - $benjin * $rate);
}
$impose_money = ($benjin - $deal['month_repay_money'] + $benjin * $rate) * (double) trim(app_conf('COMPENSATE_FEE')) / 100;
$total_repay_money = $benjin + $benjin * $rate;
} elseif ($deal['loantype'] == 1) {
//每月付息，到期还本
$impose_money = $benjin * (double) trim(app_conf('COMPENSATE_FEE')) / 100;
$total_repay_money = $benjin + $deal['month_repay_money'];
} elseif ($deal['loantype'] == 2) {
//到期还本息
$impose_money += $benjin * (double) trim(app_conf('COMPENSATE_FEE')) / 100;
$total_repay_money = $benjin + $benjin * $rate;
//计算应缴多罚息 多少管理费
$now_ym = to_date($time, "Y-m");
$i = 0;
foreach ($loan_list as $k => $v) {
++$i;
if ($now_ym == to_date($v['repay_day'], "Y-m")) {
$deal['month_manage_money'] = $benjin * trim(app_conf('MANAGE_FEE')) / 100 * $i;
}
}
}
$GLOBALS['tmpl']->assign("impose_money", $impose_money);
$GLOBALS['tmpl']->assign("total_repay_money", $total_repay_money);
$true_total_repay_money = $total_repay_money + $impose_money + $deal['month_manage_money'];
if ($total_repay_money + $impose_money + $deal['month_manage_money'] > $GLOBALS['user_info']['money']) {
$root["show_err"] = "对不起，您的余额不足！";
return $root;
}
//录入到提前还款列表
$inrepay_data['deal_id'] = $id;
$inrepay_data['user_id'] = $GLOBALS['user_info']['id'];
$inrepay_data['repay_money'] = round($total_repay_money);
$inrepay_data['impose_money'] = round($impose_money, 2);
$inrepay_data['manage_money'] = round($deal['month_manage_money']);
$inrepay_data['repay_time'] = $k_repay_time;
$inrepay_data['true_repay_time'] = $time;
$GLOBALS['db']->autoExecute(DB_PREFIX . "deal_inrepay_repay", $inrepay_data, "INSERT");
$inrepay_id = $GLOBALS['db']->insert_id();
if ($inrepay_id == 0) {
$root["show_err"] = "对不起，数据处理失败，请联系客服！";
return $root;
}
//录入还款列表
$after_time = $GLOBALS['db']->getOne("SELECT repay_time FROM " . DB_PREFIX . "deal_repay WHERE deal_id=" . $id . " ORDER BY repay_time DESC");
if ($after_time == "") {
$after_time = $deal['repay_start_time'];
}
$temp_ids[] = array();
for ($i = 0; $i < $deal['repay_time'] - $has_repay_count; $i++) {
$repay_data['id'] = $v['repay_id'];
$repay_data['has_repay'] = 1;
$repay_data['deal_id'] = $id;
$repay_data['user_id'] = $GLOBALS['user_info']['id'];
$repay_data['repay_time'] = $after_time = next_replay_month($after_time);
$repay_data['true_repay_time'] = $time;
$repay_data['status'] = 0;
if ($i == 0) {
$repay_data['repay_money'] = round($deal['month_repay_money'], 2);
$repay_data['impose_money'] = round($impose_money, 2);
$repay_data['manage_money'] = round($deal['month_manage_money']);
} else {
if ($deal['loantype'] == 0) {
//等额本息
$repay_data['repay_money'] = $benjin / ($deal['repay_time'] - $has_repay_count);
} elseif ($deal['loantype'] == 1) {
//每月还息
if ($i + 1 == $deal['repay_time'] - $has_repay_count) {
$repay_data['repay_money'] = $benjin;
} else {
$repay_data['repay_money'] = 0;
}
} elseif ($deal['loantype'] == 2) {
//每月还息
if ($i + 1 == $deal['repay_time'] - $has_repay_count) {
$repay_data['repay_money'] = $benjin;
} else {
$repay_data['repay_money'] = 0;
}
}
$repay_data['impose_money'] = 0;
$repay_data['manage_money'] = 0;
}
$deal_repay_id = $v['repay_id'];
$GLOBALS['db']->autoExecute(DB_PREFIX . "deal_repay", $repay_data, "UPDATE", "id=" . $deal_repay_id);
//假如出错 删除掉原来的以插入的数据
if ($GLOBALS['db']->affected_rows() == 0) {
if ($temp_ids) {
$GLOBALS['db']->query("UPDATE " . DB_PREFIX . "deal_repay set has_repay = 0 WHERE id in (" . implode(",", $temp_ids) . ")");
}
$root["show_err"] = "对不起，处理数据失败请联系客服！";
return $root;
} else {
$temp_ids[] = $deal_repay_id;
}
}
//更新用户账户资金记录
require APP_ROOT_PATH . 'system/libs/user.php';
modify_account(array("money" => -round($impose_money)), $GLOBALS['user_info']['id'], "标:" . $deal['id'] . ",提前还款违约金");
modify_account(array("money" => -round($total_repay_money + $deal['month_manage_money'], 2)), $GLOBALS['user_info']['id'], "标:" . $deal['id'] . ",提前还款");
//用户获得额度
modify_account(array("quota" => trim(app_conf('USER_REPAY_QUOTA'))), $GLOBALS['user_info']['id'], "标:" . $deal['id'] . ",还清借款获得额度");
$content = "您好，您在" . app_conf("SHOP_TITLE") . "的借款 “<a href=\"" . $deal['url'] . "\">" . $deal['name'] . "</a>”成功提前还款" . number_format($true_total_repay_money, 2) . "元，";
$content .= "其中违约金为:" . number_format($impose_money, 2) . "元,本笔借款已还款完毕！";
send_user_msg("", $content, 0, $GLOBALS['user_info']['id'], $time, 0, true, 8);
//短信通知
if (app_conf("SMS_ON") == 1 && app_conf('SMS_SEND_REPAY') == 1) {
$sms_content = "尊敬的" . app_conf("SHOP_TITLE") . "用户" . $GLOBALS['user_info']['user_name'] . "，您成功提前还款" . number_format($true_total_repay_money, 2) . "元，其中违约金为:" . number_format($impose_money, 2) . "元,感谢您的关注和支持。【" . app_conf("SHOP_TITLE") . "】";
$msg_data['dest'] = $GLOBALS['user_info']['mobile'];
$msg_data['send_type'] = 0;
$msg_data['title'] = $msg_data['content'] = addslashes($sms_content);
$msg_data['send_time'] = 0;
$msg_data['is_send'] = 0;
$msg_data['create_time'] = $time;
$msg_data['user_id'] = $GLOBALS['user_info']['id'];
$msg_data['is_html'] = 0;
$GLOBALS['db']->autoExecute(DB_PREFIX . "deal_msg_list", $msg_data);
//插入
}
//判断获取的信用是否超过限制
if ($GLOBALS['db']->getOne("SELECT sum(point) FROM " . DB_PREFIX . "user_log WHERE (log_info='标:" . $deal['id'] . ",还清借款' or log_info='还清借款') AND user_id=" . $GLOBALS['user_info']['id']) < (int) trim(app_conf('REPAY_SUCCESS_LIMIT'))) {
//获取上一次还款时间
$befor_repay_time = $GLOBALS['db']->getOne("SELECT MAX(log_time) FROM " . DB_PREFIX . "user_log WHERE (log_info='标:" . $deal['id'] . ",还清借款' or log_info='还清借款') AND user_id=" . $GLOBALS['user_info']['id']);
$day = ceil(($time - $befor_repay_time) / 24 / 3600);
//当天数大于等于间隔时间 获得信用
if ($day >= (int) trim(app_conf('REPAY_SUCCESS_DAY'))) {
modify_account(array("point" => trim(app_conf('REPAY_SUCCESS_POINT'))), $GLOBALS['user_info']['id'], "标:" . $deal['id'] . ",还清借款");
}
//用户获得额度
modify_account(array("quota" => trim(app_conf('USER_REPAY_QUOTA'))), $GLOBALS['user_info']['id'], "标:" . $deal['id'] . ",还清借款获得额度");
}
syn_deal_status($id);
sys_user_status($GLOBALS['user_info']['id'], false, true);
//用户回款
$user_loan_list = get_deal_user_load_list($deal);
foreach ($user_loan_list as $lllk => $lllv) {
foreach ($lllv as $kk => $vv) {
//本金
$user_self_money = 0;
//本息
$user_repay_money = 0;
//违约金
$user_impose_money = 0;
//管理费
$user_manage_money = 0;
$in_user_id = $vv['user_id'];
//判断是否转让了债权
if ($vv['t_user_id'] > 0) {
$in_user_id = $vv['t_user_id'];
$loan_user_info['user_name'] = $vv['user_name'];
$loan_user_info['t_email'] = $vv['email'];
$loan_user_info['t_mobile'] = $vv['mobile'];
} else {
$loan_user_info['user_name'] = $vv['t_user_name'];
$loan_user_info['t_email'] = $vv['t_email'];
$loan_user_info['t_mobile'] = $vv['t_mobile'];
}
//借入者已还款，但是没打款到借出用户中心
if ($vv['has_repay'] == 0) {
$user_load_data['deal_id'] = $v['deal_id'];
$user_load_data['user_id'] = $v['user_id'];
$user_load_data['repay_time'] = $vv['repay_day'];
$user_load_data['true_repay_time'] = $time;
$user_load_data['is_site_repay'] = 0;
$user_load_data['status'] = 0;
//小于提前还款按正常还款
if ($vv['repay_day'] < $k_repay_time) {
//等额本息的时候才通过公式计算剩余多少本金
$user_load_data['self_money'] = $vv['self_money'];
$user_load_data['repay_money'] = $vv['month_repay_money'];
$user_load_data['manage_money'] = $vv['month_manage_money'];
$user_load_data['impose_money'] = $vv['impose_money'];
if ($vv['status'] > 0) {
$user_load_data['status'] = $vv['status'] - 1;
}
$content = "您好，您在" . app_conf("SHOP_TITLE") . "的投标 “<a href=\"" . $deal['url'] . "\">" . $deal['name'] . "</a>”成功还款" . number_format($vv['month_repay_money'] + $vv['impose_money'], 2) . "元，";
$unext_loan = $user_loan_list[$kk + 1];
if ($unext_loan) {
$content .= "本笔投标的下个还款日为" . to_date($unext_loan['repay_day'], "Y年m月d日") . "，需要本息" . number_format($unext_loan['month_repay_money'], 2) . "元。";
}
$user_self_money += (double) $user_load_data['self_money'];
if ($user_load_data['impose_money'] != 0 || $user_load_data['manage_money'] != 0 || $user_load_data['repay_money'] != 0) {
//更新用户账户资金记录
modify_account(array("money" => $user_load_data['impose_money']), $in_user_id, "标:" . $deal['id'] . ",期:" . ($kk + 1) . ",逾期罚息");
modify_account(array("money" => -$user_load_data['manage_money']), $in_user_id, "标:" . $deal['id'] . ",期:" . ($kk + 1) . ",投标管理费");
modify_account(array("money" => $user_load_data['repay_money']), $in_user_id, "标:" . $deal['id'] . ",期:" . ($kk + 1) . ",回报本息");
$msg_conf = get_user_msg_conf($in_user_id);
//站内信
if ($msg_conf['sms_bidrepaid'] == 1) {
send_user_msg("", $content, 0, $in_user_id, $time, 0, true, 9);
}
//邮件
if ($msg_conf['mail_bidrepaid'] == 1) {
}
}
} else {
if ($vv['repay_day'] == $k_repay_time) {
if ($deal['loantype'] == 0) {
//等额本息的时候才通过公式计算剩余多少本金
$user_load_data['self_money'] = $vv['month_repay_money'] - get_benjin($kk, $deal['repay_time'], $v['money'], $vv['month_repay_money'], $deal['rate']) * $deal['rate'] / 12 / 100;
$user_load_data['impose_money'] = ($user_load_data['self_money'] - $vv['month_repay_money'] + $user_load_data['self_money'] * $v['rate']) * (double) trim(app_conf('COMPENSATE_FEE')) / 100;
} elseif ($deal['loantype'] == 1) {
//每月还息，到期还本
$user_load_data['self_money'] = $vv['money'];
$user_load_data['impose_money'] = $vv['money'] * floatval(trim($deal['compensate_fee'])) / 100;
} elseif ($deal['loantype'] == 2) {
//每月还息，到期还本
$user_load_data['self_money'] = $vv['money'];
$user_load_data['impose_money'] = $vv['money'] * floatval(trim($deal['compensate_fee'])) / 100;
}
$user_self_money += (double) $user_load_data['self_money'];
if ($deal['loantype'] == 0) {
//等额本息的时候才通过公式计算剩余多少本金
$user_load_data['repay_money'] = $vv['month_repay_money'];
$user_load_data['manage_money'] = $vv['month_manage_money'];
} elseif ($deal['loantype'] == 1) {
$user_load_data['repay_money'] = $vv['month_repay_money'] + $v['money'];
$user_load_data['manage_money'] = $vv['month_manage_money'];
} elseif ($deal['loantype'] == 2) {
$user_load_data['repay_money'] = $vv['money'];
$user_load_data['manage_money'] = $vv['money'] * floatval(trim($deal['user_loan_manage_fee'])) / 100 * ($kk + 1);
}
$user_repay_k = $kk + 1;
} else {
//其他月份
//等额本息
if ($deal['loantype'] == 0) {
if ($user_self_money == 0) {
$user_load_data['self_money'] = $vv['month_repay_money'] - get_benjin($kk, $deal['repay_time'], $v['money'], $vv['month_repay_money'], $deal['rate']) * $deal['rate'] / 12 / 100;
$user_load_data['impose_money'] = ($user_load_data['self_money'] - $vv['month_repay_money'] + $user_load_data['self_money'] * $v['rate']) * (double) trim(app_conf('COMPENSATE_FEE')) / 100;
} else {
$user_load_data['self_money'] = $user_load_data['repay_money'] = ($v['money'] - $user_self_money) / ($v['repay_time'] - $user_repay_k);
$user_load_data['manage_money'] = 0;
$user_load_data['impose_money'] = 0;
}
} elseif ($deal['loantype'] == 1) {
if ($user_self_money == 0) {
$user_self_money = $user_load_data['self_money'] = $v['money'];
$user_load_data['repay_money'] = $vv['month_repay_money'] + $v['money'];
$user_load_data['impose_money'] = $vv['money'] * floatval(trim($deal['compensate_fee'])) / 100;
$user_load_data['manage_money'] = $vv['month_manage_money'];
} else {
$user_load_data['self_money'] = $user_load_data['repay_money'] = 0;
$user_load_data['manage_money'] = 0;
$user_load_data['impose_money'] = 0;
}
} elseif ($deal['loantype'] == 2) {
if ($user_self_money == 0) {
$user_self_money = $user_load_data['self_money'] = $v['money'];
$user_load_data['repay_money'] = $vv['month_repay_money'] + $v['money'];
$user_load_data['impose_money'] = $vv['money'] * floatval(trim($deal['compensate_fee'])) / 100;
$user_load_data['manage_money'] = $vv['money'] * floatval(trim($deal['user_loan_manage_fee'])) / 100 * ($kk + 1);
} else {
$user_load_data['self_money'] = $user_load_data['repay_money'] = 0;
$user_load_data['manage_money'] = 0;
$user_load_data['impose_money'] = 0;
}
}
}
$user_repay_money += (double) $user_load_data['repay_money'];
$user_impose_money += (double) $user_load_data['impose_money'];
$user_manage_money += (double) $user_load_data['manage_money'];
$user_load_data['l_key'] = $kk;
$user_load_data['u_key'] = $k;
}
$user_load_data['has_repay'] = 1;
$GLOBALS['db']->autoExecute(DB_PREFIX . "deal_load_repay", $user_load_data, "INSERT");
}
if ($user_repay_money > 0) {
$all_repay_money = number_format($GLOBALS['db']->getOne("SELECT (sum(repay_money)-sum(self_money) + sum(impose_money)) as shouyi FROM " . DB_PREFIX . "deal_load_repay WHERE deal_id=" . $v['deal_id'] . " AND user_id=" . $v['user_id']), 2);
$all_impose_money = number_format($GLOBALS['db']->getOne("SELECT sum(impose_money) FROM " . DB_PREFIX . "deal_load_repay WHERE deal_id=" . $v['deal_id'] . " AND user_id=" . $v['user_id']), 2);
$content = "您好，您在" . app_conf("SHOP_TITLE") . "的投标 “<a href=\"" . $deal['url'] . "\">" . $deal['name'] . "</a>”提前还款,";
$content .= "本次投标共获得收益:" . $all_repay_money . "元,其中违约金为:" . $all_impose_money . "元,本次投标已回款完毕！";
//更新用户账户资金记录
modify_account(array("money" => $user_impose_money), $in_user_id, "标:" . $deal['id'] . ",违约金");
modify_account(array("money" => -$user_manage_money), $in_user_id, "标:" . $deal['id'] . ",投标管理费");
modify_account(array("money" => $user_repay_money), $in_user_id, "标:" . $deal['id'] . ",回报本息");
$msg_conf = get_user_msg_conf($in_user_id);
//短信通知
if (app_conf("SMS_ON") == 1 && app_conf('SMS_REPAY_TOUSER_ON') == 1) {
$tmpl = $GLOBALS['db']->getRowCached("select * from " . DB_PREFIX . "msg_template where name = 'TPL_DEAL_LOAD_REPAY_SMS'");
$tmpl_content = $tmpl['content'];
$notice['user_name'] = $loan_user_info['user_name'];
$notice['deal_name'] = $deal['sub_name'];
$notice['deal_url'] = $deal['url'];
$notice['site_name'] = app_conf("SHOP_TITLE");
$notice['repay_money'] = $vv['month_repay_money'] + $vv['impose_money'];
$notice['all_repay_money'] = $all_repay_money;
$notice['impose_money'] = $all_impose_money;
$GLOBALS['tmpl']->assign("notice", $notice);
$sms_content = $GLOBALS['tmpl']->fetch("str:" . $tmpl_content);
$msg_data['dest'] = $loan_user_info['mobile'];
$msg_data['send_type'] = 0;
$msg_data['title'] = $msg_data['content'] = addslashes($sms_content);
$msg_data['send_time'] = 0;
$msg_data['is_send'] = 0;
$msg_data['create_time'] = $time;
$msg_data['user_id'] = $in_user_id;
$msg_data['is_html'] = 0;
$GLOBALS['db']->autoExecute(DB_PREFIX . "deal_msg_list", $msg_data);
//插入
}
//站内信
if ($msg_conf['sms_bidrepaid'] == 1) {
send_user_msg("", $content, 0, $in_user_id, $time, 0, true, 9);
}
//邮件
if ($msg_conf['mail_bidrepaid'] == 1 && app_conf('MAIL_ON') == 1) {
$tmpl = $GLOBALS['db']->getRowCached("select * from " . DB_PREFIX . "msg_template where name = 'TPL_DEAL_LOAD_REPAY_EMAIL'");
$tmpl_content = $tmpl['content'];
$notice['user_name'] = $loan_user_info['user_name'];
$notice['deal_name'] = $deal['sub_name'];
$notice['deal_url'] = $deal['url'];
$notice['site_name'] = app_conf("SHOP_TITLE");
$notice['site_url'] = SITE_DOMAIN . APP_ROOT;
$notice['help_url'] = SITE_DOMAIN . url("index", "helpcenter");
$notice['msg_cof_setting_url'] = SITE_DOMAIN . url("index", "uc_msg#setting");
$notice['repay_money'] = $vv['month_repay_money'] + $vv['impose_money'];
$notice['all_repay_money'] = $all_repay_money;
$notice['impose_money'] = $all_impose_money;
$GLOBALS['tmpl']->assign("notice", $notice);
$msg = $GLOBALS['tmpl']->fetch("str:" . $tmpl_content);
$msg_data['dest'] = $loan_user_info['email'];
$msg_data['send_type'] = 1;
$msg_data['title'] = "“" . $deal['name'] . "”回款通知";
$msg_data['content'] = addslashes($msg);
$msg_data['send_time'] = 0;
$msg_data['is_send'] = 0;
$msg_data['create_time'] = $time;
$msg_data['user_id'] = $in_user_id;
$msg_data['is_html'] = $tmpl['is_html'];
$GLOBALS['db']->autoExecute(DB_PREFIX . "deal_msg_list", $msg_data);
//插入
}
}
}
}
$root["status"] = 1;
//0:出错;1:正确;
$root["show_err"] = "操作成功!";
return $root;
}
