目录
一、需求介绍
（一）需求描述
标的募资时间到，平台会操作放款或撤标，如果达到放款条件则操作放款
说明：撤标过程与放款过程一致，处理业务相对简单，只是将出借金额返回给出借人即可，同学可以自行完成
（二）相关数据库表
还款人还款记录：lend_return
投资人回款记录：lend_item_return
（三）参考文档
参考《汇付宝商户账户技术文档》3.11满标放款
二、具体步骤
step1：放款
放款是一个同步接口，如果放款返回成功，那么我们要处理平台业务
step2：处理业务如下
（1）标的状态和标的平台收益
（2）给借款账号转入金额
（3）增加借款交易流水
（4）解冻并扣除投资人资金
（5）增加投资人交易流水
（6）生成借款人还款计划和出借人回款计划
二、管理平台放款
（一）后端
1、controller
AdminLendController
@ApiOperation("放款")
@GetMapping("/makeLoan/{id}")
public R makeLoan(
@ApiParam(value = "标的id", required = true)
@PathVariable("id") Long id) {
lendService.makeLoan(id);
return R.ok().message("放款成功");
}2、满标放款
接口：LendService
/**
* 满标放款
* @param lendId
*/
void makeLoan(Long lendId);实现：LendServiceImpl
@Resource
private UserInfoMapper userInfoMapper;
@Resource
private UserAccountMapper userAccountMapper;
@Resource
private LendItemService lendItemService;
@Resource
private TransFlowService transFlowService;
@Transactional(rollbackFor = Exception.class)
@Override
public void makeLoan(Long lendId) {
//获取标的信息
Lend lend = baseMapper.selectById(lendId);
//放款接口调用
Map<String, Object> paramMap = new HashMap<>();
paramMap.put("agentId", HfbConst.AGENT_ID);
paramMap.put("agentProjectCode", lend.getLendNo());//标的编号
String agentBillNo = LendNoUtils.getLoanNo();//放款编号
paramMap.put("agentBillNo", agentBillNo);
//平台收益，放款扣除，借款人借款实际金额=借款金额-平台收益
//月年化
BigDecimal monthRate = lend.getServiceRate().divide(new BigDecimal(12), 8, BigDecimal.ROUND_DOWN);
//平台实际收益 = 已投金额 * 月年化 * 标的期数
BigDecimal realAmount = lend.getInvestAmount().multiply(monthRate).multiply(new BigDecimal(lend.getPeriod()));
paramMap.put("mchFee", realAmount); //商户手续费(平台实际收益)
paramMap.put("timestamp", RequestHelper.getTimestamp());
String sign = RequestHelper.getSign(paramMap);
paramMap.put("sign", sign);
log.info("放款参数：" + JSONObject.toJSONString(paramMap));
//发送同步远程调用
JSONObject result = RequestHelper.sendRequest(paramMap, HfbConst.MAKE_LOAD_URL);
log.info("放款结果：" + result.toJSONString());
//放款失败
if (!"0000".equals(result.getString("resultCode"))) {
throw new BusinessException(result.getString("resultMsg"));
}
//更新标的信息
lend.setRealAmount(realAmount);
lend.setStatus(LendStatusEnum.PAY_RUN.getStatus());
lend.setPaymentTime(LocalDateTime.now());
baseMapper.updateById(lend);
//获取借款人信息
Long userId = lend.getUserId();
UserInfo userInfo = userInfoMapper.selectById(userId);
String bindCode = userInfo.getBindCode();
//给借款账号转入金额
BigDecimal total = new BigDecimal(result.getString("voteAmt"));
userAccountMapper.updateAccount(bindCode, total, new BigDecimal(0));
//新增借款人交易流水
TransFlowBO transFlowBO = new TransFlowBO(
agentBillNo,
bindCode,
total,
TransTypeEnum.BORROW_BACK,
"借款放款到账，编号：" + lend.getLendNo());//项目编号
transFlowService.saveTransFlow(transFlowBO);
//获取投资列表信息
List<LendItem> lendItemList = lendItemService.selectByLendId(lendId, 1);
lendItemList.stream().forEach(item -> {
//获取投资人信息
Long investUserId = item.getInvestUserId();
UserInfo investUserInfo = userInfoMapper.selectById(investUserId);
String investBindCode = investUserInfo.getBindCode();
//投资人账号冻结金额转出
BigDecimal investAmount = item.getInvestAmount(); //投资金额
userAccountMapper.updateAccount(investBindCode, new BigDecimal(0), investAmount.negate());
//新增投资人交易流水
TransFlowBO investTransFlowBO = new TransFlowBO(
LendNoUtils.getTransNo(),
investBindCode,
investAmount,
TransTypeEnum.INVEST_UNLOCK,
"冻结资金转出，出借放款，编号：" + lend.getLendNo());//项目编号
transFlowService.saveTransFlow(investTransFlowBO);
});
//放款成功生成借款人还款计划和投资人回款计划
// TODO
}3、根据lendId获取投资记录
接口：LendItemService
List<LendItem> selectByLendId(Long lendId, Integer status);实现：LendItemServiceImpl
@Override
public List<LendItem> selectByLendId(Long lendId, Integer status) {
QueryWrapper<LendItem> queryWrapper = new QueryWrapper();
queryWrapper.eq("lend_id", lendId);
queryWrapper.eq("status", status);
List<LendItem> lendItemList = baseMapper.selectList(queryWrapper);
return lendItemList;
}（二）前端
1、定义Api
创建 src/api/core/lend.js
makeLoan(id) {
return request({
url: `/admin/core/lend/makeLoan/${id}`,
method: 'get'
})
}2、页面模板和脚本
src/views/core/lend/list.vue
<template>
<div class="app-container">
<!-- 列表 -->
<el-table :data="list" stripe>
<el-table-column type="index" label="序号" width="60" align="center" />
<el-table-column prop="lendNo" label="标的编号" width="160" />
<el-table-column prop="amount" label="标的金额" />
<el-table-column prop="period" label="投资期数" />
<el-table-column label="年化利率">
<template slot-scope="scope">
{
{ scope.row.lendYearRate * 100 }}%
</template>
</el-table-column>
<el-table-column prop="investAmount" label="已投金额" />
<el-table-column prop="investNum" label="投资人数" />
<el-table-column prop="publishDate" label="发布时间" width="150" />
<el-table-column prop="lendStartDate" label="开始日期" />
<el-table-column prop="lendEndDate" label="结束日期" />
<el-table-column prop="params.returnMethod" label="还款方式" />
<el-table-column prop="params.status" label="状态" />
<el-table-column label="操作" width="150" align="center">
<template slot-scope="scope">
<el-button type="primary" size="mini">
<router-link :to="'/core/lend/detail/' + scope.row.id">
查看
</router-link>
</el-button>
<el-button
v-if="scope.row.status == 1"
type="warning"
size="mini"
@click="makeLoan(scope.row.id)"
>
放款
</el-button>
</template>
</el-table-column>
</el-table>
</div>
</template>
<script>
import lendApi from '@/api/core/lend'
export default {
data() {
return {
list: null, // 列表
}
},
created() {
this.fetchData()
},
methods: {
// 加载列表数据
fetchData() {
lendApi.getList().then((response) => {
this.list = response.data.list
})
},
makeLoan(id) {
this.$confirm('确定放款吗?', '提示', {
confirmButtonText: '确定',
cancelButtonText: '取消',
type: 'warning',
})
.then(() => {
return lendApi.makeLoan(id)
})
.then((response) => {
//放款成功则重新获取数据列表
this.fetchData()
this.$message({
type: 'success',
message: response.message,
})
})
.catch((error) => {
console.log('取消', error)
if (error === 'cancel') {
this.$message({
type: 'info',
message: '已取消放款',
})
}
})
},
},
}
</script>
三、还款计划和回款计划
（一）生成还款计划
LendServiceImpl
@Resource
private LendReturnService lendReturnService;
@Resource
private LendItemReturnService lendItemReturnService;
/**
* 还款计划
*
* @param lend
*/
private void repaymentPlan(Lend lend) {
//还款计划列表
List<LendReturn> lendReturnList = new ArrayList<>();
//按还款时间生成还款计划
int len = lend.getPeriod().intValue();
for (int i = 1; i <= len; i++) {
//创建还款计划对象
LendReturn lendReturn = new LendReturn();
lendReturn.setReturnNo(LendNoUtils.getReturnNo());
lendReturn.setLendId(lend.getId());
lendReturn.setBorrowInfoId(lend.getBorrowInfoId());
lendReturn.setUserId(lend.getUserId());
lendReturn.setAmount(lend.getAmount());
lendReturn.setBaseAmount(lend.getInvestAmount());
lendReturn.setLendYearRate(lend.getLendYearRate());
lendReturn.setCurrentPeriod(i);//当前期数
lendReturn.setReturnMethod(lend.getReturnMethod());
//说明：还款计划中的这三项 = 回款计划中对应的这三项和：因此需要先生成对应的回款计划
// lendReturn.setPrincipal();
// lendReturn.setInterest();
// lendReturn.setTotal();
lendReturn.setFee(new BigDecimal(0));
lendReturn.setReturnDate(lend.getLendStartDate().plusMonths(i)); //第二个月开始还款
lendReturn.setOverdue(false);
if (i == len) { //最后一个月
//标识为最后一次还款
lendReturn.setLast(true);
} else {
lendReturn.setLast(false);
}
lendReturn.setStatus(0);
lendReturnList.add(lendReturn);
}
//批量保存
lendReturnService.saveBatch(lendReturnList);
//获取lendReturnList中还款期数与还款计划id对应map
Map<Integer, Long> lendReturnMap = lendReturnList.stream().collect(
Collectors.toMap(LendReturn::getCurrentPeriod, LendReturn::getId)
);
//======================================================
//=============获取所有投资者，生成回款计划===================
//======================================================
//回款计划列表
List<LendItemReturn> lendItemReturnAllList = new ArrayList<>();
//获取投资成功的投资记录
List<LendItem> lendItemList = lendItemService.selectByLendId(lend.getId(), 1);
for (LendItem lendItem : lendItemList) {
//创建回款计划列表
List<LendItemReturn> lendItemReturnList = this.returnInvest(lendItem.getId(), lendReturnMap, lend);
lendItemReturnAllList.addAll(lendItemReturnList);
}
//更新还款计划中的相关金额数据
for (LendReturn lendReturn : lendReturnList) {
BigDecimal sumPrincipal = lendItemReturnAllList.stream()
//过滤条件：当回款计划中的还款计划id == 当前还款计划id的时候
.filter(item -> item.getLendReturnId().longValue() == lendReturn.getId().longValue())
//将所有回款计划中计算的每月应收本金相加
.map(LendItemReturn::getPrincipal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
BigDecimal sumInterest = lendItemReturnAllList.stream()
.filter(item -> item.getLendReturnId().longValue() == lendReturn.getId().longValue())
.map(LendItemReturn::getInterest)
.reduce(BigDecimal.ZERO, BigDecimal::add);
BigDecimal sumTotal = lendItemReturnAllList.stream()
.filter(item -> item.getLendReturnId().longValue() == lendReturn.getId().longValue())
.map(LendItemReturn::getTotal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
lendReturn.setPrincipal(sumPrincipal); //每期还款本金
lendReturn.setInterest(sumInterest); //每期还款利息
lendReturn.setTotal(sumTotal); //每期还款本息
}
lendReturnService.updateBatchById(lendReturnList);
}（二）生成回款计划
LendServiceImpl
/**
* 回款计划
*
* @param lendItemId
* @param lendReturnMap 还款期数与还款计划id对应map
* @param lend
* @return
*/
public List<LendItemReturn> returnInvest(Long lendItemId, Map<Integer, Long> lendReturnMap, Lend lend) {
//投标信息
LendItem lendItem = lendItemService.getById(lendItemId);
//投资金额
BigDecimal amount = lendItem.getInvestAmount();
//年化利率
BigDecimal yearRate = lendItem.getLendYearRate();
//投资期数
int totalMonth = lend.getPeriod();
Map<Integer, BigDecimal> mapInterest = null; //还款期数 -> 利息
Map<Integer, BigDecimal> mapPrincipal = null; //还款期数 -> 本金
//根据还款方式计算本金和利息
if (lend.getReturnMethod().intValue() == ReturnMethodEnum.ONE.getMethod()) {
//利息
mapInterest = Amount1Helper.getPerMonthInterest(amount, yearRate, totalMonth);
//本金
mapPrincipal = Amount1Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
} else if (lend.getReturnMethod().intValue() == ReturnMethodEnum.TWO.getMethod()) {
mapInterest = Amount2Helper.getPerMonthInterest(amount, yearRate, totalMonth);
mapPrincipal = Amount2Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
} else if (lend.getReturnMethod().intValue() == ReturnMethodEnum.THREE.getMethod()) {
mapInterest = Amount3Helper.getPerMonthInterest(amount, yearRate, totalMonth);
mapPrincipal = Amount3Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
} else {
mapInterest = Amount4Helper.getPerMonthInterest(amount, yearRate, totalMonth);
mapPrincipal = Amount4Helper.getPerMonthPrincipal(amount, yearRate, totalMonth);
}
//创建回款计划列表
List<LendItemReturn> lendItemReturnList = new ArrayList<>();
for (Map.Entry<Integer, BigDecimal> entry : mapInterest.entrySet()) {
Integer currentPeriod = entry.getKey();
//根据还款期数获取还款计划的id
Long lendReturnId = lendReturnMap.get(currentPeriod);
LendItemReturn lendItemReturn = new LendItemReturn();
lendItemReturn.setLendReturnId(lendReturnId);
lendItemReturn.setLendItemId(lendItemId);
lendItemReturn.setInvestUserId(lendItem.getInvestUserId());
lendItemReturn.setLendId(lendItem.getLendId());
lendItemReturn.setInvestAmount(lendItem.getInvestAmount());
lendItemReturn.setLendYearRate(lend.getLendYearRate());
lendItemReturn.setCurrentPeriod(currentPeriod);
lendItemReturn.setReturnMethod(lend.getReturnMethod());
//最后一次本金计算
if (lendItemReturnList.size() > 0 && currentPeriod.intValue() == lend.getPeriod().intValue()) {
//最后一期本金 = 本金 - 前几次之和
BigDecimal sumPrincipal = lendItemReturnList.stream()
.map(LendItemReturn::getPrincipal)
.reduce(BigDecimal.ZERO, BigDecimal::add);
//最后一期应还本金 = 用当前投资人的总投资金额 - 除了最后一期前面期数计算出来的所有的应还本金
BigDecimal lastPrincipal = lendItem.getInvestAmount().subtract(sumPrincipal);
lendItemReturn.setPrincipal(lastPrincipal);
BigDecimal sumInterest = lendItemReturnList.stream()
.map(LendItemReturn::getInterest)
.reduce(BigDecimal.ZERO, BigDecimal::add);
BigDecimal lastInterest = lendItem.getExpectAmount().subtract(sumInterest);
lendItemReturn.setInterest(lastInterest);
} else {
lendItemReturn.setPrincipal(mapPrincipal.get(currentPeriod));
lendItemReturn.setInterest(mapInterest.get(currentPeriod));
}
lendItemReturn.setTotal(lendItemReturn.getPrincipal().add(lendItemReturn.getInterest()));
lendItemReturn.setFee(new BigDecimal("0"));
lendItemReturn.setReturnDate(lend.getLendStartDate().plusMonths(currentPeriod));
//是否逾期，默认未逾期
lendItemReturn.setOverdue(false);
lendItemReturn.setStatus(0);
lendItemReturnList.add(lendItemReturn);
}
lendItemReturnService.saveBatch(lendItemReturnList);
return lendItemReturnList;
}（三）在makeLoan中调用
//放款成功生成借款人还款计划和投资人回款计划
this.repaymentPlan(lend);