public function addborrow()
{
$rate_lixt = explode("|", $this->glo['rate_lixi']);
$borrow_duration = explode("|", $this->glo['borrow_duration']);
$fee_borrow_manage = explode("|", $this->glo['fee_borrow_manage']);
$vminfo = M('members')->field("credit_limit,credit_use,credit_status,user_leve,time_limit")->find($this->uid);
$add_field = array('borrow_interest_rate', 'borrow_money', 'borrow_duration', 'repayment_type', 'borrow_name', 'borrow_info');
foreach ($add_field as $v) {
$savedata[$v] = text($_POST[$v]);
}
if ($savedata['borrow_interest_rate'] > $rate_lixt[1] || $savedata['borrow_interest_rate'] < $rate_lixt[0]) {
ajaxmsg("提交的数据有误，请重试", 0);
}
if ($savedata['borrow_duration'] > $borrow_duration[1] || $savedata['borrow_duration'] < $borrow_duration[0]) {
ajaxmsg("提交的数据有误，请重试", 0);
}
if ($savedata['borrow_money'] > $vminfo['credit_limit'] - $vminfo['credit_use'] || $savedata['borrow_money'] < 500) {
ajaxmsg("提交的数据有误，请重试", 0);
}
//if(!in_array($savedata['repayment_type'],C('REPAYMENT_TYPE'))) ajaxmsg("提交的数据有误，请重试",0);
if (empty($savedata['borrow_name']) || empty($savedata['repayment_type']) || empty($savedata['borrow_info'])) {
ajaxmsg("提交的数据有误，请重试", 0);
}
if ($vminfo['credit_status'] == 0) {
ajaxmsg("您还未通过借款审核", 0);
}
$bc = M("borrow_info")->where("borrow_uid={$this->uid} AND borrow_status in(0,2)")->count('id');
if ($bc > 0) {
ajaxmsg("您有正在审核或者正在筹集中的借款，所以暂时不能发布新的借款申请", 0);
}
$vminfo['user_leve'] == 1 && $vminfo['time_limit'] > time() ? $fee_rate = $fee_borrow_manage[1] / 100 : ($fee_rate = $fee_borrow_manage[0] / 100);
$savedata['borrow_uid'] = $this->uid;
$savedata['borrow_interest'] = getBorrowInterest($savedata['repayment_type'], $savedata['borrow_money'], $savedata['borrow_duration'], $savedata['borrow_interest_rate']);
$savedata['borrow_fee'] = getFloatValue($fee_rate * $savedata['borrow_money'], 2);
$savedata['borrow_status'] = 0;
$savedata['add_time'] = time();
$savedata['add_ip'] = get_client_ip();
$savedata['total'] = $savedata['repayment_type'] == 1 ? $savedata['borrow_duration'] : "1";
$newid = M('borrow_info')->add($savedata);
if ($newid) {
ajaxmsg();
} else {
ajaxmsg("借款申请发布失败，请重试", 0);
}
}
public function save()
{
if (!$this->uid) {
$this->error("请先登陆", __APP__ . "/member/common/login");
}
$pre = C('DB_PREFIX');
//相关的判断参数
$rate_lixt = explode("|", $this->glo['rate_lixi']);
$borrow_duration = explode("|", $this->glo['borrow_duration']);
$borrow_duration_day = explode("|", $this->glo['borrow_duration_day']);
$fee_borrow_manage = explode("|", $this->glo['fee_borrow_manage']);
$vminfo = M('members m')->join("{$pre}member_info mf ON m.id=mf.uid")->field("m.user_leve,m.time_limit,mf.province_now,mf.city_now,mf.area_now")->where("m.id={$this->uid}")->find();
//相关的判断参数
$borrow['borrow_type'] = intval(cookie(text($_POST['vkey'])));
if ($borrow['borrow_type'] == 50) {
$this->error("校验数据有误，请重新发布");
}
$borrow['borrow_money'] = intval($_POST['borrow_money']);
$_minfo = getMinfo($this->uid, true);
$_capitalinfo = getMemberBorrowScan($this->uid);
switch ($borrow['borrow_type']) {
case 1:
//普通标
if ($_minfo['credit_cuse'] < $borrow['borrow_money']) {
$this->error("您的可用信用额度为{$_minfo['credit_cuse']}元，小于您准备借款的金额，不能发标");
}
break;
case 2:
//担保标
if ($_minfo['borrow_vouch_cuse'] < $borrow['borrow_money']) {
$this->error("您的可用信用担保借款额度为{$_minfo['borrow_vouch_cuse']}元，小于您准备借款的金额，不能发标");
}
break;
case 3:
//秒还标
break;
case 4:
//净值标
$_netMoney = getFloatValue($minfo['money_collect'], 2);
//getNet($_minfo,$_capitalinfo);
if ($_netMoney < $borrow['borrow_money']) {
$this->error("您的净资产为{$_netMoney}元，小于您准备借款的金额，不能发标");
}
break;
case 5:
//抵押标
//$borrow_type=5;
break;
}
if ($borrow['borrow_type'] == 2) {
//担保标
$borrow['reward_vouch_rate'] = floatval($_POST['vouch_rate']);
$borrow['reward_vouch_money'] = getFloatValue($borrow['borrow_money'] * $borrow['reward_vouch_rate'] / 100, 2);
$borrow['vouch_member'] = text($_POST['vouch_member']);
}
$borrow['borrow_uid'] = $this->uid;
$borrow['borrow_name'] = text($_POST['borrow_name']);
$borrow['borrow_duration'] = $borrow['borrow_type'] == 3 ? 1 : intval($_POST['borrow_duration']);
//秒标固定为一月
$borrow['borrow_interest_rate'] = floatval($_POST['borrow_interest_rate']);
if (strtolower($_POST['is_day']) == 'yes') {
$borrow['repayment_type'] = 1;
} elseif ($borrow['borrow_type'] == 3) {
$borrow['repayment_type'] = 2;
} else {
$borrow['repayment_type'] = intval($_POST['repayment_type']);
}
if ($_POST['show_tbzj'] == 1) {
$borrow['is_show_invest'] = 1;
}
//共几期(分几次还)
$borrow['total'] = $borrow['repayment_type'] == 1 ? 1 : $borrow['borrow_duration'];
//共几期(分几次还)
$borrow['borrow_status'] = 0;
$borrow['borrow_use'] = intval($_POST['borrow_use']);
$borrow['add_time'] = time();
$borrow['collect_day'] = intval($_POST['borrow_time']);
$borrow['add_ip'] = get_client_ip();
$borrow['borrow_info'] = text($_POST['borrow_info']);
$borrow['reward_type'] = intval($_POST['reward_type']);
$borrow['reward_num'] = floatval($_POST["reward_type_{$borrow['reward_type']}_value"]);
$borrow['borrow_min'] = intval($_POST['borrow_min']);
$borrow['borrow_max'] = intval($_POST['borrow_max']);
$borrow['province'] = $vminfo['province_now'];
$borrow['city'] = $vminfo['city_now'];
$borrow['area'] = $vminfo['area_now'];
if ($_POST['is_pass'] && intval($_POST['is_pass']) == 1) {
$borrow['password'] = md5($_POST['password']);
}
//借款费和利息
$borrow['borrow_interest'] = getBorrowInterest($borrow['repayment_type'], $borrow['borrow_money'], $borrow['borrow_duration'], $borrow['borrow_interest_rate']);
if ($borrow['repayment_type'] == 1) {
//按天还
$fee_rate = is_numeric($fee_borrow_manage[0]) ? $fee_borrow_manage[0] / 100 : 0.001;
$borrow['borrow_fee'] = getFloatValue($fee_rate * $borrow['borrow_money'] * $borrow['borrow_duration'], 2);
} else {
$fee_rate_1 = is_numeric($fee_borrow_manage[1]) ? $fee_borrow_manage[1] / 100 : 0.02;
$fee_rate_2 = is_numeric($fee_borrow_manage[2]) ? $fee_borrow_manage[2] / 100 : 0.002;
if ($borrow['borrow_duration'] > $fee_borrow_manage[3] && is_numeric($fee_borrow_manage[3])) {
$borrow['borrow_fee'] = getFloatValue($fee_rate_1 * $borrow['borrow_money'], 2);
$borrow['borrow_fee'] += getFloatValue($fee_rate_2 * $borrow['borrow_money'] * ($borrow['borrow_duration'] - $fee_borrow_manage[3]), 2);
} else {
$borrow['borrow_fee'] = getFloatValue($fee_rate_1 * $borrow['borrow_money'], 2);
}
}
if ($borrow['borrow_type'] == 3) {
//秒还标
if ($borrow['reward_type'] > 0) {
if ($borrow['reward_type'] == 1) {
$_reward_money = getFloatValue($borrow['borrow_money'] * $borrow['reward_num'] / 100, 2);
} elseif ($borrow['reward_type'] == 2) {
$_reward_money = getFloatValue($borrow['reward_num'], 2);
}
}
$_reward_money = floatval($_reward_money);
if ($_minfo['account_money'] < $borrow['borrow_fee'] + $_reward_money) {
$this->error("发布此标您最少需保证您的帐户余额大于等于" . ($borrow['borrow_fee'] + $_reward_money) . "元，以确保可以支付借款管理费和投标奖励费用");
}
}
//投标上传图片资料（暂隐）
foreach ($_POST['swfimglist'] as $key => $v) {
if ($key > 10) {
break;
}
$row[$key]['img'] = substr($v, 1);
$row[$key]['info'] = $_POST['picinfo'][$key];
}
$borrow['updata'] = serialize($row);
$borrow['is_tuijian'] = 1;
$newid = M("borrow_info")->add($borrow);
if ($newid) {
$this->success("借款发布成功，网站会尽快初审", __APP__ . "/member/borrowin#fragment-1");
} else {
$this->error("发布失败，请先检查是否完成了个人详细资料然后重试");
}
}
public function doEditFail()
{
$m = D(ucfirst($this->getActionName()));
if (false === $m->create()) {
$this->error($m->getError());
}
$vm = M('borrow_info')->field('borrow_uid,borrow_status')->find($m->id);
if ($vm['borrow_status'] == 2 && $m->borrow_status != 2) {
$this->error('已通过审核的借款不能改为别的状态');
exit;
}
foreach ($_POST['updata_name'] as $key => $v) {
$updata[$key]['name'] = $v;
$updata[$key]['time'] = $_POST['updata_time'][$key];
}
$m->borrow_interest = getBorrowInterest($m->repayment_type, $m->borrow_money, $m->borrow_duration, $m->borrow_interest_rate);
$m->updata = serialize($updata);
$m->collect_time = strtotime($m->collect_time);
//保存当前数据对象
if ($result = $m->save()) {
//保存成功
//成功提示
$this->assign('jumpUrl', __URL__ . "/" . session('listaction'));
$this->success(L('修改成功'));
} else {
//失败提示
$this->error(L('修改失败'));
}
}
public function save()
{
$jsoncode = file_get_contents("php://input");
$arr = array();
$arr = json_decode($jsoncode, true);
if (!$this->uid || $arr['uid'] != $this->uid) {
ajaxmsg("请先登录", 0);
exit;
}
if (!is_array($arr) || empty($arr) || empty($arr['uid'])) {
ajaxmsg("查询错误！", 0);
}
$pre = C('DB_PREFIX');
$id = intval($arr['id']);
//$id = 30;
$Bconfig = (require C("APP_ROOT") . "Conf/borrow_config.php");
//相关的判断参数
$rate_lixt = explode("|", $this->glo['rate_lixi']);
$borrow_duration = explode("|", $this->glo['borrow_duration']);
$borrow_duration_day = explode("|", $this->glo['borrow_duration_day']);
$fee_borrow_manage = explode("|", $this->glo['fee_borrow_manage']);
$vminfo = M('members m')->join("{$pre}member_info mf ON m.id=mf.uid")->field("m.user_leve,m.time_limit,mf.province_now,mf.city_now,mf.area_now,m.is_vip,m.is_borrow")->where("m.id={$this->uid}")->find();
//var_dump($vminfo);die;
if ($vminfo['is_vip'] == 0) {
$_xoc = M('borrow_info')->where("borrow_uid={$this->uid} AND borrow_status in(0,2,4)")->count('id');
if ($_xoc > 0) {
ajaxmsg("您有一个借款中的标，请等待审核", 0);
}
if (!($vminfo['user_leve'] > 0 && $vminfo['time_limit'] > time())) {
ajaxmsg("请先通过VIP审核再发标", 0);
}
if ($vminfo['is_borrow'] == 0) {
ajaxmsg("您目前不允许发布借款，如需帮助，请与客服人员联系！", 0);
//$this->assign("waitSecond",3);
}
$vo = getMemberDetail($this->uid);
if ($vo['province'] == 0 && $vo['province_now '] == 0 && $vo['province_now '] == 0 && $vo['city'] == 0 && $vo['city_now'] == 0) {
ajaxmsg("请先填写个人详细资料后再发标", 0);
}
}
$borrow['borrow_type'] = $arr['vkey'];
//intval(cookie(text($_POST['vkey'])));
//dump($borrow['borrow_type']);die;
if ($borrow['borrow_type'] == 0) {
ajaxmsg("校验数据有误，请重新发布", 0);
}
if (floatval($arr['borrow_interest_rate']) > $rate_lixt[1] || floatval($arr['borrow_interest_rate']) < $rate_lixt[0]) {
ajaxmsg("提交的借款利率不在允许范围，请重试", 0);
}
$borrow['borrow_money'] = intval($arr['borrow_money']);
$_minfo = getMinfo($this->uid, "m.pin_pass,mm.account_money,mm.back_money,mm.credit_cuse,mm.money_collect");
$_capitalinfo = getMemberBorrowScan($this->uid);
///////////////////////////////////////////////////////
//$vo = M('members m')->field('mm.account_money,mm.back_money,(mm.account_money+mm.back_money) all_money,m.user_leve,m.time_limit')->join("{$pre}member_money mm on mm.uid = //m.id")->where("m.id={$this->uid} AND m.pin_pass='******'")->find();
$borrowNum = M('borrow_info')->field("borrow_type,count(id) as num,sum(borrow_money) as money,sum(repayment_money) as repayment_money")->where("borrow_uid = {$this->uid} AND borrow_status=6 ")->group("borrow_type")->select();
$borrowDe = array();
foreach ($borrowNum as $k => $v) {
$borrowDe[$v['borrow_type']] = $v['money'] - $v['repayment_money'];
}
///////////////////////////////////////////////////
switch ($borrow['borrow_type']) {
case 1:
//普通标
if ($_minfo['credit_cuse'] < $borrow['borrow_money']) {
ajaxmsg("您的可用信用额度为{$_minfo['credit_cuse']}元，小于您准备借款的金额，不能发标", 0);
}
break;
case 2:
//新担保标
break;
case 4:
//净值标
$_netMoney = getFloatValue(0.9 * $_minfo['money_collect'] - $borrowDe[4], 2);
if ($_netMoney < $borrow['borrow_money']) {
ajaxmsg("您的净值额度{$_netMoney}元，小于您准备借款的金额，不能发标", 0);
}
break;
case 5:
//抵押标
//$borrow_type=5;
break;
}
$borrow['borrow_uid'] = $this->uid;
$borrow['borrow_name'] = text($arr['borrow_name']);
$borrow['borrow_duration'] = $borrow['borrow_type'] == 3 ? 1 : intval($arr['borrow_duration']);
//秒标固定为一月
$borrow['borrow_interest_rate'] = floatval($arr['borrow_interest_rate']);
if (strtolower($arr['is_day']) == 'yes') {
$borrow['repayment_type'] = 1;
} elseif ($borrow['borrow_type'] == 3) {
$borrow['repayment_type'] = 2;
} else {
$borrow['repayment_type'] = intval($arr['repayment_type']);
}
if ($borrow['repayment_type'] == '1' || $borrow['repayment_type'] == '5') {
$borrow['total'] = 1;
} else {
$borrow['total'] = $borrow['borrow_duration'];
//分几期还款
}
$borrow['borrow_status'] = 0;
$borrow['borrow_use'] = intval($arr['borrow_use']);
$borrow['add_time'] = time();
$borrow['collect_day'] = intval($arr['borrow_time']);
$borrow['add_ip'] = get_client_ip();
$borrow['borrow_info'] = text($arr['borrow_info']);
$borrow['reward_type'] = intval($arr['reward_type']);
$borrow['reward_num'] = floatval($arr["reward_type_{$borrow['reward_type']}_value"]);
$borrow['borrow_min'] = intval($arr['borrow_min']);
$borrow['borrow_max'] = intval($arr['borrow_max']);
//$borrow['province'] = $vminfo['province_now'];
//$borrow['city'] = $vminfo['city_now'];
//$borrow['area'] = $vminfo['area_now'];
if ($arr['is_pass'] && intval($arr['is_pass']) == 1) {
$borrow['password'] = md5($arr['password']);
}
$borrow['money_collect'] = floatval($arr['moneycollect']);
//代收金额限制设置
//借款费和利息
$borrow['borrow_interest'] = getBorrowInterest($borrow['repayment_type'], $borrow['borrow_money'], $borrow['borrow_duration'], $borrow['borrow_interest_rate']);
$borrow['borrow_fee'] = 0.0;
if ($borrow['borrow_type'] == 3) {
//秒还标
if ($borrow['reward_type'] > 0) {
$_reward_money = getFloatValue($borrow['borrow_money'] * $borrow['reward_num'] / 100, 2);
}
$_reward_money = floatval($_reward_money);
if ($_minfo['account_money'] + $_minfo['back_money'] < $borrow['borrow_fee'] + $_reward_money) {
ajaxmsg("发布此标您最少需保证您的帐户余额大于等于" . ($borrow['borrow_fee'] + $_reward_money) . "元，以确保可以支付借款管理费和投标奖励费用", 0);
}
}
//投标上传图片资料（暂隐）
foreach ($arr['swfimglist'] as $key => $v) {
if ($key > 10) {
break;
}
$row[$key]['img'] = substr($v, 1);
$row[$key]['info'] = $arr['picinfo'][$key];
}
$borrow['updata'] = serialize($row);
$newid = M("borrow_info")->add($borrow);
$suo = array();
$suo['id'] = $newid;
$suo['suo'] = 0;
$suoid = M("borrow_info_lock")->add($suo);
if ($newid) {
ajaxmsg("借款发布成功，网站会尽快初审", 1);
} else {
ajaxmsg("发布失败，请先检查是否完成了个人详细资料然后重试", 0);
}
}
public function save()
{
if (!$this->uid) {
$this->error("请先登陆", __APP__ . "/member/common/login");
}
$pre = C('DB_PREFIX');
//相关的判断参数
$rate_lixt = explode("|", $this->glo['rate_lixi']);
$borrow_duration = explode("|", $this->glo['borrow_duration']);
$borrow_duration_day = explode("|", $this->glo['borrow_duration_day']);
$fee_borrow_manage = explode("|", $this->glo['fee_borrow_manage']);
$vminfo = M('members m')->join("{$pre}member_info mf ON m.id=mf.uid")->field("m.user_leve,m.time_limit,mf.province_now,mf.city_now,mf.area_now")->where("m.id={$this->uid}")->find();
//相关的判断参数
$borrow['borrow_type'] = intval(cookie(text($_POST['vkey'])));
if ($borrow['borrow_type'] == 0) {
$this->error("校验数据有误，请重新发布");
}
if (floatval($_POST['borrow_interest_rate']) > $rate_lixt[1] || floatval($_POST['borrow_interest_rate']) < $rate_lixt[0]) {
$this->error("提交的借款利率超出允许范围，请重试", 0);
}
//if($_POST['borrow_btype']==0) $this->error("请选择标的类型");
$borrow['borrow_money'] = intval($_POST['borrow_money']);
$_minfo = getMinfo($this->uid, "m.pin_pass,mm.account_money,mm.back_money,mm.credit_cuse,mm.money_collect");
$_capitalinfo = getMemberBorrowScan($this->uid);
///////////////////////////////////////////////////////
$borrowNum = M('borrow_info')->field("borrow_type,count(id) as num,sum(borrow_money) as money,sum(repayment_money) as repayment_money")->where("borrow_uid = {$this->uid} AND borrow_status=6 ")->group("borrow_type")->select();
$borrowDe = array();
foreach ($borrowNum as $k => $v) {
$borrowDe[$v['borrow_type']] = $v['money'] - $v['repayment_money'];
}
///////////////////////////////////////////////////
switch ($borrow['borrow_type']) {
case 1:
//普通标
if ($_minfo['credit_cuse'] < $borrow['borrow_money']) {
$this->error("您的可用信用额度为{$_minfo['credit_cuse']}元，小于您准备借款的金额，不能发标");
}
break;
case 2:
//新担保标
//新担保标
case 3:
//秒还标
break;
case 4:
//净值标
$_netMoney = getFloatValue(0.9 * $_minfo['money_collect'] - $borrowDe[4], 2);
if ($_netMoney < $borrow['borrow_money']) {
$this->error("您的净值额度{$_netMoney}元，小于您准备借款的金额，不能发标");
}
break;
case 5:
//抵押标
//$borrow_type=5;
break;
}
$borrow['borrow_uid'] = $this->uid;
$borrow['borrow_name'] = text($_POST['borrow_name']);
$borrow['borrow_duration'] = $borrow['borrow_type'] == 3 ? 1 : intval($_POST['borrow_duration']);
//秒标固定为一月
$borrow['borrow_interest_rate'] = floatval($_POST['borrow_interest_rate']);
if (strtolower($_POST['is_day']) == 'yes') {
$borrow['repayment_type'] = 1;
} elseif ($borrow['borrow_type'] == 3) {
$borrow['repayment_type'] = 2;
} else {
$borrow['repayment_type'] = intval($_POST['repayment_type']);
}
if ($borrow['repayment_type'] == '1' || $borrow['repayment_type'] == '5') {
$borrow['total'] = 1;
} else {
$borrow['total'] = $borrow['borrow_duration'];
//分几期还款
}
$borrow['borrow_status'] = 0;
$borrow['borrow_use'] = intval($_POST['borrow_use']);
$borrow['add_time'] = time();
$borrow['collect_day'] = intval($_POST['borrow_time']);
$borrow['add_ip'] = get_client_ip();
$borrow['borrow_info'] = text($_POST['borrow_info']);
$borrow['reward_type'] = intval($_POST['reward_type']);
$borrow['reward_num'] = floatval($_POST["reward_type_{$borrow['reward_type']}_value"]);
$borrow['borrow_min'] = intval($_POST['borrow_min']);
$borrow['borrow_max'] = intval($_POST['borrow_max']);
$borrow['borrow_btype'] = intval($_POST['borrow_btype']);
$borrow['ifdianzibiao'] = $_POST['ifdianzibiao'];
$borrow['is_tuijian'] = $_POST['is_tuijian'];
/*$borrow['province'] = $vminfo['province_now'];
$borrow['city'] = $vminfo['city_now'];
$borrow['area'] = $vminfo['area_now'];*/
if ($_POST['is_pass'] && intval($_POST['is_pass']) == 1) {
$borrow['password'] = md5($_POST['password']);
}
$borrow['money_collect'] = floatval($_POST['moneycollect']);
//代收金额限制设置
//借款费和利息
$borrow['borrow_interest'] = getBorrowInterest($borrow['repayment_type'], $borrow['borrow_money'], $borrow['borrow_duration'], $borrow['borrow_interest_rate']);
if ($borrow['repayment_type'] == 1) {
//按天还
$fee_rate = is_numeric($fee_borrow_manage[0]) ? $fee_borrow_manage[0] / 100 : 0.001;
$borrow['borrow_fee'] = getFloatValue($fee_rate * $borrow['borrow_money'] * $borrow['borrow_duration'], 2);
} else {
$fee_rate_1 = is_numeric($fee_borrow_manage[1]) ? $fee_borrow_manage[1] / 100 : 0.02;
$fee_rate_2 = is_numeric($fee_borrow_manage[2]) ? $fee_borrow_manage[2] / 100 : 0.002;
if ($borrow['borrow_duration'] > $fee_borrow_manage[3] && is_numeric($fee_borrow_manage[3])) {
$borrow['borrow_fee'] = getFloatValue($fee_rate_1 * $borrow['borrow_money'], 2);
$borrow['borrow_fee'] += getFloatValue($fee_rate_2 * $borrow['borrow_money'] * ($borrow['borrow_duration'] - $fee_borrow_manage[3]), 2);
} else {
$borrow['borrow_fee'] = getFloatValue($fee_rate_1 * $borrow['borrow_money'], 2);
}
}
if ($borrow['borrow_type'] == 3) {
//秒还标
if ($borrow['reward_type'] > 0) {
$_reward_money = getFloatValue($borrow['borrow_money'] * $borrow['reward_num'] / 100, 2);
}
$_reward_money = floatval($_reward_money);
if ($_minfo['account_money'] + $_minfo['back_money'] < $borrow['borrow_fee'] + $_reward_money) {
$this->error("发布此标您最少需保证您的帐户余额大于等于" . ($borrow['borrow_fee'] + $_reward_money) . "元，以确保可以支付借款管理费和投标奖励费用");
}
}
//投标上传图片资料（暂隐）
foreach ($_POST['swfimglist'] as $key => $v) {
if ($key > 10) {
break;
}
$row[$key]['img'] = substr($v, 1);
$row[$key]['info'] = $_POST['picinfo'][$key];
}
$borrow['updata'] = serialize($row);
$newid = M("borrow_info")->add($borrow);
//var_dump($borrow);exit;
$suo = array();
$suo['id'] = $newid;
$suo['suo'] = 0;
$suoid = M("borrow_info_lock")->add($suo);
if ($newid) {
$this->success("借款发布成功，网站会尽快初审", __APP__ . "/member/borrowin#fragment-2");
} else {
$this->error("发布失败，请先检查是否完成了个人详细资料然后重试");
}
}
public function save()
{
//if(!$this->uid) $this->error("请先登录",__APP__."/member/common/login");
//if(empty($_FILES['topic']['name'])){
// $this->error('请上传标题图片');
//}
$borrow = array();
//$this->savePathNew = C('HOME_UPLOAD_DIR').'Product/';
//$this->thumbMaxWidth = C('PRODUCT_UPLOAD_W');
//$this->thumbMaxHeight = C('PRODUCT_UPLOAD_H');
//$this->saveRule = date("YmdHis",time()).rand(0,1000);
//$info = $this->CUpload();
//$borrow['topic'] = $info[0]['savepath'].$info[0]['savename'];
if ($_POST['borrow_uid'] == '') {
$this->error('选择借款人不能为空！');
}
if ($_POST['borrow_type'] == '') {
$this->error('借款标类型不能为空！');
}
if ($_POST['reward_type'] && ($_POST['reward_type_1_value'] > 6 || $_POST['reward_type_1_value'] < 0)) {
$this->error("投标奖励超出范围！");
}
if ($this->_post('stock_type') == '') {
$this->error("选择配资类型不能为空！");
}
$capital_name = htmlspecialchars($this->_post('capital_name'));
$capital_card = htmlspecialchars($this->_post('capital_card'));
$pre = C('DB_PREFIX');
//相关的判断参数
$rate_lixt = explode("|", $this->glo['rate_lixi']);
$borrow_duration = explode("|", $this->glo['borrow_duration']);
$borrow_duration_day = explode("|", $this->glo['borrow_duration_day']);
$fee_borrow_manage = explode("|", $this->glo['fee_borrow_manage']);
$vminfo = M('members m')->join("{$pre}member_info mf ON m.id=mf.uid")->field("m.user_leve,m.time_limit,mf.province_now,mf.city_now,mf.area_now")->where("m.id={$this->uid}")->find();
//相关的判断参数
$borrow['borrow_type'] = $this->_post('borrow_type');
if ($borrow['borrow_type'] == 0) {
$this->error("校验数据有误，请重新发布");
}
if (floatval($_POST['borrow_interest_rate']) > $rate_lixt[1] || floatval($_POST['borrow_interest_rate']) < $rate_lixt[0]) {
$this->error("提交的借款利率超出允许范围，请重试", 0);
}
$borrow['borrow_money'] = intval($_POST['borrow_money']);
$_minfo = getMinfo($this->uid, "m.pin_pass,mm.account_money,mm.back_money,mm.credit_cuse,mm.money_collect");
$_capitalinfo = getMemberBorrowScan($this->uid);
///////////////////////////////////////////////////////
$borrowNum = M('borrow_info')->field("borrow_type,count(id) as num,sum(borrow_money) as money,sum(repayment_money) as repayment_money")->where("borrow_uid = {$this->uid} AND borrow_status=6 ")->group("borrow_type")->select();
$borrowDe = array();
foreach ($borrowNum as $k => $v) {
$borrowDe[$v['borrow_type']] = $v['money'] - $v['repayment_money'];
}
///////////////////////////////////////////////////
switch ($borrow['borrow_type']) {
case 1:
//普通标
//if($_minfo['credit_cuse']<$borrow['borrow_money']) $this->error("您的可用信用额度为{$_minfo['credit_cuse']}元，小于您准备借款的金额，不能发标");
break;
case 2:
//新担保标
//新担保标
case 3:
//秒还标
break;
case 4:
//净值标
//$_netMoney = getFloatValue(0.9*$_minfo['money_collect']-$borrowDe[4],2);
//if($_netMoney<$borrow['borrow_money']) $this->error("您的净值额度{$_netMoney}元，小于您准备借款的金额，不能发标");
break;
case 5:
//抵押标
//$borrow_type=5;
break;
}
$borrow['borrow_uid'] = $this->_post("borrow_uid");
$borrow['borrow_name'] = text($_POST['borrow_name']);
$borrow['borrow_duration'] = $borrow['borrow_type'] == 3 ? 1 : intval($_POST['borrow_duration']);
//秒标固定为一月
$borrow['borrow_interest_rate'] = floatval($_POST['borrow_interest_rate']);
if (strtolower($_POST['is_day']) == 'yes') {
$borrow['repayment_type'] = 1;
} elseif ($borrow['borrow_type'] == 3) {
$borrow['repayment_type'] = 2;
} else {
$borrow['repayment_type'] = intval($_POST['repayment_type']);
}
if ($borrow['repayment_type'] == '1' || $borrow['repayment_type'] == '5') {
$borrow['total'] = 1;
} else {
$borrow['total'] = $borrow['borrow_duration'];
//分几期还款
}
$borrow['capital_name'] = $capital_name;
$borrow['capital_card'] = $capital_card;
$borrow['borrow_status'] = 0;
$borrow['borrow_use'] = intval($_POST['borrow_use']);
$borrow['add_time'] = time();
$borrow['collect_day'] = intval($_POST['borrow_time']);
$borrow['add_ip'] = get_client_ip();
$borrow['borrow_info'] = text($_POST['borrow_info']);
$borrow['reward_type'] = intval($_POST['reward_type']);
$borrow['reward_num'] = floatval($_POST["reward_type_{$borrow['reward_type']}_value"]);
$borrow['borrow_min'] = intval($_POST['borrow_min']);
$borrow['borrow_max'] = intval($_POST['borrow_max']);
$prow = array();
foreach ($_POST['swfimglist'] as $key => $v) {
$prow[$key]['img'] = substr($v, 1);
$prow[$key]['info'] = $_POST['picinfo'][$key];
}
$borrow['updata'] = false === empty($prow) ? serialize($prow) : '';
/*$borrow['province'] = $vminfo['province_now'];
$borrow['city'] = $vminfo['city_now'];
$borrow['area'] = $vminfo['area_now'];*/
if ($_POST['is_pass'] && intval($_POST['is_pass']) == 1) {
$borrow['password'] = md5($_POST['password']);
}
$borrow['money_collect'] = floatval($_POST['moneycollect']);
//代收金额限制设置
//借款费和利息
$borrow['borrow_interest'] = getBorrowInterest($borrow['repayment_type'], $borrow['borrow_money'], $borrow['borrow_duration'], $borrow['borrow_interest_rate']);
if ($borrow['repayment_type'] == 1) {
//按天还
$fee_rate = is_numeric($fee_borrow_manage[0]) ? $fee_borrow_manage[0] / 100 : 0.001;
$borrow['borrow_fee'] = getFloatValue($fee_rate * $borrow['borrow_money'] * $borrow['borrow_duration'], 2);
} else {
$fee_rate_1 = is_numeric($fee_borrow_manage[1]) ? $fee_borrow_manage[1] / 100 : 0.02;
$fee_rate_2 = is_numeric($fee_borrow_manage[2]) ? $fee_borrow_manage[2] / 100 : 0.002;
if ($borrow['borrow_duration'] > $fee_borrow_manage[3] && is_numeric($fee_borrow_manage[3])) {
$borrow['borrow_fee'] = getFloatValue($fee_rate_1 * $borrow['borrow_money'], 2);
$borrow['borrow_fee'] += getFloatValue($fee_rate_2 * $borrow['borrow_money'] * ($borrow['borrow_duration'] - $fee_borrow_manage[3]), 2);
} else {
$borrow['borrow_fee'] = getFloatValue($fee_rate_1 * $borrow['borrow_money'], 2);
}
}
if ($borrow['borrow_type'] == 3) {
//秒还标
if ($borrow['reward_type'] > 0) {
$_reward_money = getFloatValue($borrow['borrow_money'] * $borrow['reward_num'] / 100, 2);
}
$_reward_money = floatval($_reward_money);
if ($_minfo['account_money'] + $_minfo['back_money'] < $borrow['borrow_fee'] + $_reward_money) {
$this->error("发布此标您最少需保证您的帐户余额大于等于" . ($borrow['borrow_fee'] + $_reward_money) . "元，以确保可以支付借款管理费和投标奖励费用");
}
}
if ($borrow['borrow_type'] == 2) {
$borrow['danbao'] = $_POST['danbao'];
$borrow['huilv'] = M('article')->where("id=" . $_POST['danbao'])->getField('art_keyword');
}
//投标上传图片资料（暂隐）
foreach ($_POST['swfimglist'] as $key => $v) {
if ($key > 10) {
break;
}
$row[$key]['img'] = substr($v, 1);
$row[$key]['info'] = $_POST['picinfo'][$key];
}
$borrow['updata'] = serialize($row);
$borrow['stock_the'] = $this->_post("stock_the");
$borrow['stock_bond_money'] = $this->_post("stock_bond_money");
$borrow['stock_type'] = $this->_post('stock_type');
$newid = M("borrow_info")->add($borrow);
$suo = array();
$suo['id'] = $newid;
$suo['suo'] = 0;
$suoid = M("borrow_info_lock")->add($suo);
if ($newid) {
$this->success("借款发布成功，网站会尽快初审");
} else {
$this->error("发布失败，请先检查是否完成了个人详细资料然后重试");
}
}
