function licai_bid($id, $money, $paypassword)
{
$return = array("status" => 0, "info" => "");
if (intval($GLOBALS['user_info']['id']) == 0) {
$return['info'] = "请先登录";
return $return;
}
if (intval($GLOBALS['user_info']['money']) < $money) {
$return['info'] = "账户余额不足";
return $return;
}
if ($GLOBALS['user_info']['paypassword'] != md5($paypassword)) {
$return['info'] = "支付密码错误";
return $return;
}
$licai = $GLOBALS['db']->getRow("SELECT * FROM " . DB_PREFIX . "licai where id=" . $id);
$licai['url'] = url("licai#deal", array("id" => $licai['id']));
if ($licai['user_id'] == $GLOBALS['user_info']['id']) {
$return['info'] = "不能购买自己发布的理财产品";
return $return;
}
if (!$licai || $licai['status'] == 0) {
$return['info'] = "理财产品不存在";
return $return;
}
if (to_timespan($licai['begin_buy_date'], "Y-m-d") > 0 && to_timespan($licai['begin_buy_date'], "Y-m-d") > NOW_TIME) {
$return['info'] = "理财产品还未开始允许购买";
return $return;
}
if (to_timespan($licai['end_buy_date'], "Y-m-d") > 0 && to_timespan($licai['end_buy_date'], "Y-m-d") < NOW_TIME) {
$return['info'] = "理财产品已结束购买";
return $return;
}
if (floatval($licai['min_money']) != 0) {
if ($money < floatval($licai['min_money'])) {
$return['info'] = "最小购买金额为：" . format_price($licai['min_money']);
return $return;
}
}
if (floatval($licai['max_money']) != 0) {
if ($money > floatval($licai['max_money'])) {
$return['info'] = "最大购买金额为：" . format_price($licai['max_money']);
return $return;
}
}
$licai_order_data = array();
$licai_order_data['status'] = 1;
$licai_order_data['licai_id'] = $id;
$licai_order_data['user_id'] = intval($GLOBALS['user_info']['id']);
$licai_order_data['user_name'] = $GLOBALS['user_info']['user_name'];
$licai_order_data['money'] = $money;
$licai_order_data['create_time'] = to_date(NOW_TIME);
$licai_order_data['create_date'] = to_date(NOW_TIME);
//算息时间
$licai_order_data['begin_interest_type'] = $licai['begin_interest_type'];
$licai['begin_interest_date'] = to_timespan($licai['begin_interest_date']) == 0 || to_timespan($licai['begin_interest_date']) < NOW_TIME ? to_date(NOW_TIME, "Y-m-d") : $licai['begin_interest_date'];
//预热期
if ($licai['type'] > 0) {
//预热开始时间 | 购买开始时间
$licai_order_data['before_interest_date'] = get_peizi_next_date(NOW_TIME, $licai['begin_interest_type']);
if (to_timespan($licai_order_data['before_interest_date'], "Y-m-d") > 0 && to_timespan($licai['before_interest_date'], "Y-m-d") > to_timespan($licai['begin_interest_date'], "Y-m-d")) {
$licai_order_data['before_interest_date'] = $licai['begin_interest_date'];
}
//预热结束时间
$licai_order_data['before_interest_enddate'] = $licai['begin_interest_date'];
}
//起息时间
$licai_order_data['begin_interest_date'] = get_peizi_next_date(NOW_TIME, $licai['begin_interest_type']);
if (to_timespan($licai_order_data['begin_interest_date'], "Y-m-d") < to_timespan($licai['begin_interest_date'], "Y-m-d")) {
$licai_order_data['begin_interest_date'] = $licai['begin_interest_date'];
}
//结束时间
if ($licai['time_limit'] == 0) {
$licai_order_data['end_interest_date'] = $licai['end_date'];
} elseif (to_timespan($licai['end_date'], "Y-m-d") == 0 && $licai['time_limit'] > 0) {
$licai_order_data['end_interest_date'] = to_date(next_month(NOW_TIME, $licai['time_limit']), "Y-m-d");
} elseif (to_timespan($licai['end_date'], "Y-m-d") > 0 && $licai['time_limit'] > 0) {
//如果项目结束时间大于周期那么使用周期时间
$str_time = to_timespan($licai['begin_interest_date'], "Y-m-d");
if (to_timespan($licai['end_date']) > to_timespan(to_date(next_month($str_time, $licai['time_limit']), "Y-m-d"), "Y-m-d")) {
$licai_order_data['end_interest_date'] = to_date(next_month($str_time, $licai['time_limit']), "Y-m-d");
} else {
$licai_order_data['end_interest_date'] = $licai['end_date'];
}
}
if ($licai['type'] > 0) {
$interest_rs = get_licai_interest($id, $money);
//预热利息
$licai_order_data['before_rate'] = $interest_rs['before_rate'];
//预热违约利息
$licai_order_data['before_breach_rate'] = $interest_rs['before_breach_rate'];
//正常利息
$licai_order_data['interest_rate'] = $interest_rs['interest_rate'];
//违约利息
$licai_order_data['breach_rate'] = $interest_rs['breach_rate'];
//申购手续费
$licai_order_data['site_buy_fee_rate'] = $interest_rs['site_buy_fee_rate'];
//赎回手续费
$licai_order_data['redemption_fee_rate'] = $interest_rs['redemption_fee_rate'];
//平台收益
$licai_order_data['platform_rate'] = $interest_rs['platform_rate'];
//用户违约平台收益
$licai_order_data['platform_breach_rate'] = $interest_rs['platform_breach_rate'];
//冻结保证金比例
$licai_order_data['freeze_bond_rate'] = $interest_rs['freeze_bond_rate'];
} else {
$licai_order_data['before_rate'] = 0;
$licai_order_data['before_breach_rate'] = 0;
$licai_order_data['interest_rate'] = 0;
$licai_order_data['breach_rate'] = 0;
$licai_order_data['platform_breach_rate'] = 0;
$licai_order_data['freeze_bond_rate'] = 0;
$licai_order_data['platform_rate'] = $licai['platform_rate'];
$licai_order_data['site_buy_fee_rate'] = $licai['site_buy_fee_rate'];
$licai_order_data['redemption_fee_rate'] = $licai['redemption_fee_rate'];
}
//预热期利息
$licai_order_data['before_interest'] = $money * floatval($licai_order_data['before_rate']) * 0.01 * ((to_timespan($licai_order_data['before_interest_enddate']) - to_timespan($licai_order_data['before_interest_date'])) / 24 / 3600) / 365;
//余额宝时为0
$licai_order_data['site_buy_fee'] = $money * floatval($licai_order_data['site_buy_fee_rate']) * 0.01;
//$licai_order_data['freeze_bond_rate'] = $licai['freeze_bond_rate'];
//冻结的保证金，扣除网站收取的手续费
$licai_order_data['freeze_bond'] = round($licai_order_data['freeze_bond_rate'] * ($money - $licai_order_data['site_buy_fee']) * 0.01, 2);
//余额宝时为0
$licai_order_data['pay_money'] = $money - $licai_order_data['site_buy_fee'] - $licai_order_data['freeze_bond'];
//成交服务费
$licai_order_data['service_fee_rate'] = $licai['service_fee_rate'];
$licai_order_data['service_fee'] = floatval($licai['service_fee_rate']) * 0.01 * ($money - $licai_order_data['site_buy_fee']);
//print_r($licai_order_data);die();
$GLOBALS['db']->autoExecute(DB_PREFIX . "licai_order", $licai_order_data, "INSERT");
if ($GLOBALS['db']->affected_rows()) {
require_once APP_ROOT_PATH . 'system/libs/user.php';
//理财购买本金
modify_account(array("money" => '-' . ($money - $licai_order_data['site_buy_fee'])), $GLOBALS['user_info']['id'], "购买理财产品“<a href=\"" . $licai['url'] . "\">" . $licai['name'] . "</a>”", 42);
//理财购买手续费
modify_account(array("money" => '-' . $licai_order_data['site_buy_fee']), $GLOBALS['user_info']['id'], "购买理财产品“<a href=\"" . $licai['url'] . "\">" . $licai['name'] . "</a>”", 43);
//理财发放资金
modify_account(array("money" => $licai_order_data['pay_money']), intval($licai['user_id']), $GLOBALS['user_info']['user_name'] . "对理财“<a href=\"" . $licai['url'] . "\">" . $licai['name'] . "</a>”的投资", 46);
if ($licai_order_data['freeze_bond'] > 0) {
//理财冻结资金
modify_account(array("lock_money" => $licai_order_data['freeze_bond']), intval($licai['user_id']), $GLOBALS['user_info']['user_name'] . "对理财“<a href=\"" . $licai['url'] . "\">" . $licai['name'] . "</a>”的投资", 44);
}
if ($licai_order_data['service_fee'] != 0) {
//理财服务费
modify_account(array("money" => '-' . $licai_order_data['service_fee']), intval($licai['user_id']), $GLOBALS['user_info']['user_name'] . "对理财“<a href=\"" . $licai['url'] . "\">" . $licai['name'] . "</a>”的投资", 45);
}
if ($licai['type'] > 0) {
syn_licai_status($id);
} else {
syn_licai_status($id, 0);
}
$return['status'] = 1;
$return['info'] = "购买成功";
return $return;
}
}
href="<?php $prev = prev_month($curmonth, $curyear); print "month_view.php?month=" . $prev[month] . "&year=" . $prev[year]; ?> " class="calendar-link-nav"><img src="%[IMAGE_GPATH]%arrow_left.gif" width="16" height="16" border="0" align="absmiddle"> <?php echo CALENDAR_PREV_MONTH; ?> </a> </td> <td width="2%" align="center" valign="middle"><img src="%[IMAGE_GPATH]%sep_02.gif" width="2" height="16"></td> <td width="10%" align="right" valign="middle" nowrap><a href="<?php $next = next_month($curmonth, $curyear); print "month_view.php?month=" . $next[month] . "&year=" . $next[year]; ?> " class="calendar-link-nav"><?php echo CALENDAR_NEXT_MONTH; ?> <img src="%[IMAGE_GPATH]%arrow_right.gif" width="16" height="16" border="0" align="absmiddle"> </a></td> </tr> </table> </form> <div class="toolbar-calendar-div ui-widget ui-state-default"> <table border="0" cellpadding="0" cellspacing="0"