一、今天完成的主要事情

1.完成用户投资产品详情接口和查询还款计划接口

用户投资产品详情接口比较简单,这里就不贴出来了

以下是查询还款计划接口

如果用户查询自己投资的产品的回款计划,那么直接就去回款计划表中查询即可

如果是用户为了查看要投资的产品,模拟投资情况计算回款计划,那么就通过产品Id,投资金额计算回款计划

/**
 * 23.查询还款计划
 *
 * @param
 * @return
 * @throws ServiceException
 * @throws ServiceDaoException
 */

@RequestMapping(value = "/a/u/repayment", method = RequestMethod.GET)
public String getRepaymentList(HttpServletRequest request,
                               HttpServletResponse response, ModelMap model, Long userId, Long productId,
                               Integer repaymentStatus, BigDecimal investAmount) throws Exception {


    log.info("getRepaymentList() parameters : userId : " + userId + ", repaymentStatus : " +
            repaymentStatus + ", investAmount : " + investAmount + ", productId : " + productId);

    if (DataUtils.isNullOrEmpty(userId) || DataUtils.isNullOrEmpty(repaymentStatus)) {
        log.info("Parameters userId and repaymentStatus can not be NULL!");
        model.addAttribute("code", -1000);
        return "/common/failure";
    }
    if (userId < 0 && DataUtils.isNullOrEmpty(investAmount) && DataUtils.isNullOrEmpty(productId)) {
        log.info("Parameter investAmount and productId can not be NULL when userId = -1");
        model.addAttribute("code", -1000);
        return "/common/failure";
    }

    List<Repayment> repayments = null;
    try {
        if (userId > 0) {
            //获取还款计划表ID
            List<Long> repaymentIds = repaymentService.getRepaymentIdsByUserIdAndStatus(userId, 1, 0,
                    Integer.MAX_VALUE);
            log.info("get countRepaymentIdsByUserIdAndStatus size is : " + repaymentIds.size());
            //获取还款计划表对象
            if (CollectionUtils.isNotEmpty(repaymentIds)) {
                repayments = repaymentService.getObjectsByIds(repaymentIds);
                log.info("get repayments data size is : " + repayments.size());
            }
        } else {
            //获取产品对象
            Product product = productService.getObjectById(productId);
            log.info("get product data is : " + product);
            if (DataUtils.isNullOrEmpty(product)) {
                log.info("Couldn't find product by productId, productId is : " + productId);
                model.addAttribute("code", -4);
                return "/common/failure";
            }

            //获取年化收益率
            BigDecimal annualYield = product.getAnnualYield();
            //获取还款方式
            Integer paymentBackWay = product.getPaymentBackWay();
            //获取投资期限
            Integer financialPeriod = product.getFinancialPeriod();
            //获取起息方式
            Integer chargingInterestWay = product.getChargingInterestWay();
            log.info("get fields annualYield,paymentBackWay,financialPeriod,chargingInterestWay" +
                    "from product. annualYield : " + annualYield + ", paymentBackWay: " + paymentBackWay +
                    ", financialPeriod: " + financialPeriod + ", chargingInterestWay: " + chargingInterestWay);
            //验证参数
            Integer validateResult = ProductUtil.validateProductFields(annualYield, paymentBackWay,
                    financialPeriod, chargingInterestWay);
            if (validateResult < 0) {
                model.addAttribute("code", validateResult);
                return "/common/failure";
            }
            //假设投资日期为当天
            Long nowTime = System.currentTimeMillis();
            //计算起息日期
            Long startDays = nowTime + chargingInterestWay * 1000 * 3600 * 24;
//重点是这个方法,该方法将起息日期,投资金额,年化收益率,投资期限,回款方式传递进去,返回的就是完整的回款计划
            repayments = InvestUtil.getRepaymentPlanList(startDays, investAmount, annualYield,
                                                        financialPeriod, paymentBackWay);
        }

        model.addAttribute("code", 0);
        model.addAttribute("repaymentList", repayments);
    } catch (Throwable t) {
        t.printStackTrace();
        log.info(t.getMessage());
        log.info("getRepaymentList() error, userId is : " + userId);
        model.addAttribute("code", -1);
        return "/common/failure";
    }
    return "/polyFinance-business-service/repayment/json/repaymentListJson";
}

上述方法是在Investment功能类中实现

/**
 * 根据起息日期,投资金额,年化收益率,起息方式计算还款计划
 *
 * @param
 * @return
 */
public static List<Repayment> getRepaymentPlanList(Long startDays, BigDecimal investAmount, BigDecimal yield,
                                                   Integer financialPeriod, Integer paymentBackWay) {

    List<Repayment> repayments = new ArrayList<Repayment>();

    if (paymentBackWay == 0) {
        //按月付息,到期还本
        repayments = getRepaymentPlanPhase(startDays, investAmount, yield, financialPeriod);
        log.info("get repayment list size is : " + repayments.size());
    } else if (paymentBackWay == 1) {
        //一次性还本付息
        //计算总利息
        BigDecimal interest = getInterest(investAmount, yield, financialPeriod);
        //计算还款时间
        Long endTime = startDays + financialPeriod * 1000 * 3600 * 24;

        Repayment repayment = new Repayment();
        repayment.setRepaymentDate(endTime);
        repayment.setRepaymentAmount(interest);
        repayment.setStatus(1);
        repayments.add(repayment);

        //将本金也加入还款计划
        Repayment lastRepayment = new Repayment();
        lastRepayment.setStatus(1);
        lastRepayment.setRepaymentDate(endTime);
        lastRepayment.setRepaymentAmount(investAmount);
        repayments.add(lastRepayment);

        log.info("get repayment list size is : " + repayments.size());
    } else {
        log.info("Error parameter value. Error paymentBackWay is: " + paymentBackWay);
    }
    return repayments;
}

/**
 * 计算当还款方式为按月付息,到期还本时的还款计划
 *
 * @param
 * @return
 */
private static List<Repayment> getRepaymentPlanPhase(Long startDays, BigDecimal investAmount, BigDecimal yield,
                                                     Integer financialPeriod) {

    //获取每次还款的时间
    List<Long> longList = getRepaymentPlan(startDays, financialPeriod);

    List<Repayment> repayments = new ArrayList<Repayment>();

    for (int i=1; i<longList.size(); i++){
        Repayment repayment = new Repayment();
        repayment.setStatus(1);
        repayment.setRepaymentDate(longList.get(i));

        //计算还款天数
        int days = (int) ((longList.get(i) - longList.get(i-1)) / 1000 / 3600 / 24);

        //获取每一期要还的金额
        BigDecimal interest = getInterest(investAmount, yield, days);
        repayment.setRepaymentAmount(interest);

        repayments.add(repayment);
    }

    //将本金也加入还款计划
    Repayment lastRepayment = new Repayment();
    lastRepayment.setStatus(1);
    lastRepayment.setRepaymentDate(longList.get(longList.size()-1));
    lastRepayment.setRepaymentAmount(investAmount);
    repayments.add(lastRepayment);

    return repayments;
}

/**
 * 根据投资金额，年化收益率,期限计算利息
 *
 * @param
 * @return
 */
private static BigDecimal getInterest(BigDecimal investAmount, BigDecimal yield,
                                              Integer financialPeriod) {
    //计算年化利息
    BigDecimal interest = investAmount.multiply(yield);
    //计算每天的利息
    interest = interest.divide(new BigDecimal("360"), 6);
    //计算总利息
    interest = interest.multiply(new BigDecimal(financialPeriod + ""));

    return interest;
}

/**
 * 根据起始时间和投资期限,计算每次还款的日期时间戳
 *
 * @param
 * @return
 */
private static List<Long> getRepaymentPlan(long startTime, int days) {
    List<Long> list = new ArrayList<Long>();
    long endTime = startTime + days * 1000 * 3600 * 24L;

    //将初始时间戳转换为格式化时间
    SimpleDateFormat simpleDateFormat = new SimpleDateFormat("yyyyMMdd");
    String formatStartDate = simpleDateFormat.format(new Date(startTime));

    try {
        //将开始时间转换为标准时间格式加入结果集
        list.add(simpleDateFormat.parse(formatStartDate).getTime());
    } catch (ParseException e) {
        e.printStackTrace();
        log.error(e.getMessage());
        log.error("Time conversion exception");
        return null;
    }

    Date date = null;
    //将格式化时间转化为整形数字,方便计算
    Integer startDateNumber = Integer.valueOf(formatStartDate);
    while (true) {
        //月份加1后再转换为字符串,如果有0230,0231这种特例,将其转换为0301
        startDateNumber += 100;
        String newFormatDate = startDateNumber.toString();
        String tempStr = newFormatDate.substring(4);
        if (tempStr.equals("0230") || tempStr.equals("0231")) {
            newFormatDate = newFormatDate.substring(0, 4) + "0301";
        }

        try {
            //将生成的格式化时间再解析成时间戳放入结果集
            date = simpleDateFormat.parse(newFormatDate);
            long repaymentTime = date.getTime();

            if (repaymentTime < endTime) {
                list.add(repaymentTime);
            } else {
                list.add(endTime);
                break;
            }
        } catch (ParseException e) {
            e.printStackTrace();
            log.error(e.getMessage());
            log.error("Time conversion exception");
            return null;
        }
    }

    return list;
}

该类中的方法包括计算每次还款的日期,计算每次还款的金额等等,通过这个功能类,就能实现计算回款计划的功能

该类还会在投资接口和跑批service中用到测试结果是:

二.明天计划完成的事情

1.继续投资列表story,编写查询合同接口,然后再趁热打铁,完成一部分用户投资接口

三.遇到的问题

暂无

四.收获

以上

五.项目进度情况

有延期风险