/**
* 每天更新所有账单的滞纳金
* 规则：逾期第10天起，每天增加贷款总金额1%的滞纳金（多期逾期仅算一期）
*/
public function updateDelayDay()
{
// 逾期百分点
$rate = 1;
// 获取所有已经逾期的账单
$orderModel = new \Loan\Model\OrderModel();
$model = $this->alias('b')->join('zj_loan_order o on o.id=b.order_id');
$bills = $model->field('o.status order_status, o.loan_money, b.order_id,b.issue,b.status,b.money_principal,b.return_limit_time')->where(['b.issue' => ['gt', 0], 'b.status' => ['in', '0,1'], 'b.return_limit_time' => ['elt', strtotime(date('Y-m-d 23:59:59', strtotime('-10 day')))]])->order('b.return_limit_time asc')->select();
// 合法的订单状态
$check_order_status = array_merge($orderModel->allowRepayStatus(), [$orderModel::STATUS_BREACH_CONTRACT]);
$exitst_order = [];
$total_success = 0;
$date = date('Y-m-d');
$delayModel = M('loan_bill_delay');
foreach ($bills as $bill) {
// 同一个订单，仅发送一次
$id = $bill['order_id'];
if (in_array($id, $exitst_order)) {
continue;
}
$exitst_order[] = $id;
// 判断订单状态是否正常
if (!in_array($bill['order_status'], $check_order_status)) {
system_warn('更新滞纳金时发现异常记录：' . print_r($bill, true));
continue;
}
// 组装数据
$data = ['order_id' => $bill['order_id'], 'issue' => $bill['issue'], 'delay_date' => $date, 'type' => 1];
// 判断重复处理
if ($delayModel->where($data)->count() > 0) {
continue;
}
// 计算滞纳金
$delay_money = $bill['loan_money'] * $rate / 100;
// 启用事务
$this->startTrans();
if ($this->where(['order_id' => $bill['order_id'], 'issue' => $bill['issue'], 'status' => $bill['status']])->save(['money_delay' => ['exp', 'money_delay+' . $delay_money], 'money_total' => ['exp', 'money_total+' . $delay_money]])) {
$data['created'] = time();
$data['uid'] = 0;
$data['uname'] = '系统';
$data['money_principal'] = $bill['money_principal'];
$data['delay_money'] = $delay_money;
$delayModel->add($data);
// 若逾期达到了16天，则更新订单状态（避免继续执行还款操作）
if ($bill['order_status'] != $orderModel::STATUS_BREACH_CONTRACT) {
$diff_day = (strtotime(date('Y-m-d')) - strtotime(date('Y-m-d', $bill['return_limit_time']))) / 86400;
if ($diff_day >= 16) {
if (!$orderModel->breach($bill['order_id'])) {
system_warn('更新订单违约时失败：' . $orderModel->getError());
$this->rollback();
continue;
}
}
}
// 提交事务
$this->commit();
$total_success++;
} else {
system_warn('更新滞纳金时，无法正确更新记录：' . print_r($bill, true));
$this->rollback();
}
}
return $total_success;
}
