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]; }