@Override
@Transactional(rollbackFor = Exception.class)
public void payForCompensation(RepayCompensation rc) throws InsufficientBalance {
// FIXME:判断rc的状态，防止多次还款出现
if (!rc.getStatus().equals(CompensationStatus.COMPENSATED)) {
throw new RuntimeException("compensation status is " + rc.getStatus() + "!");
}
// 应还本金和利息和手续费
double money =
ArithUtil.add(
rc.getLoanRepay().getCorpus(),
rc.getLoanRepay().getInterest(),
rc.getLoanRepay().getFee());
// 逾期罚金
double feeToSystem =
feeConfigBO.getFee(
FeePoint.OVERDUE_REPAY_SYSTEM,
FeeType.PENALTY,
null,
null,
ArithUtil.mul(
money, DateUtil.getIntervalDays(rc.getLoanRepay().getRepayDay(), new Date())));
// 给代偿方的罚金
double feeToCompensator =
feeConfigBO.getFee(
FeePoint.OVERDUE_REPAY_INVESTOR,
FeeType.PENALTY,
null,
null,
ArithUtil.mul(
money, DateUtil.getIntervalDays(rc.getLoanRepay().getRepayDay(), new Date())));
userBillBO.transferOutFromBalance(
rc.getLoanRepay().getLoan().getUser().getId(),
ArithUtil.add(money, feeToCompensator, feeToSystem),
OperatorInfo.PAY_COMPENSTATION,
"代偿编号：" + rc.getId());
userBillBO.transferIntoBalance(
rc.getRepayer().getId(),
ArithUtil.add(money, feeToCompensator),
OperatorInfo.PAY_COMPENSTATION,
"代偿编号：" + rc.getId());
userBillBO.transferIntoBalance(
rc.getRepayer().getId(), feeToSystem, OperatorInfo.PAY_COMPENSTATION, "代偿编号：" + rc.getId());
// 状态改为完成
rc.setStatus(CompensationStatus.COMPLETE);
rc.setPayCompensationTime(new Date());
ht.update(rc);
}
@Transactional(rollbackFor = Exception.class)
public void overdueRepay(String repayId, String repayerId)
throws InsufficientBalance, OverdueRepayException {
LoanRepay lr = ht.get(LoanRepay.class, repayId);
ht.evict(lr);
lr = ht.get(LoanRepay.class, repayId, LockMode.UPGRADE);
if (lr.getStatus().equals(LoanConstants.RepayStatus.OVERDUE)
|| lr.getStatus().equals(LoanConstants.RepayStatus.BAD_DEBT)
|| lr.getStatus().equals(RepayStatus.WAIT_REPAY_VERIFY)) {
List<InvestRepay> irs =
ht.find(
"from InvestRepay ir where ir.invest.loan.id=? and ir.period=?",
new Object[] {lr.getLoan().getId(), lr.getPeriod()});
double defaultInterest = lr.getDefaultInterest();
HashSet<Invest> invests = new HashSet<Invest>();
// 更改投资的还款信息
for (InvestRepay ir : irs) {
ir.setStatus(LoanConstants.RepayStatus.COMPLETE);
ir.setTime(new Date());
ht.update(ir);
invests.add(ir.getInvest());
userBillBO.transferIntoBalance(
ir.getInvest().getUser().getId(),
ArithUtil.add(ir.getCorpus(), ir.getInterest(), ir.getDefaultInterest()),
OperatorInfo.OVERDUE_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款, 还款ID:"
+ lr.getId()
+ " 借款ID:"
+ lr.getLoan().getId()
+ " 本金："
+ ir.getCorpus()
+ " 利息："
+ ir.getInterest()
+ " 罚息："
+ ir.getDefaultInterest());
// 系统回收体验金
if (ir.getCorpusToSystem() != null && ir.getCorpusToSystem() > 0) {
systemBillService.transferInto(
ir.getCorpusToSystem(),
OperatorInfo.OVERDUE_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，回收体验金, 还款ID:" + ir.getId());
}
defaultInterest = ArithUtil.sub(defaultInterest, ir.getDefaultInterest());
// 投资者手续费
userBillBO.transferOutFromBalance(
ir.getInvest().getUser().getId(),
ir.getFee(),
OperatorInfo.OVERDUE_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，扣除手续费, 还款ID:" + lr.getId());
systemBillService.transferInto(
ir.getFee(),
OperatorInfo.OVERDUE_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款，扣除手续费, 还款ID:"
+ lr.getId()
+ ",项目ID:"
+ ir.getInvest().getLoan().getId());
}
// 更改借款的还款信息
double payMoney =
ArithUtil.add(
ArithUtil.add(lr.getCorpus(), lr.getInterest()),
lr.getFee(),
lr.getDefaultInterest());
lr.setTime(new Date());
lr.setStatus(LoanConstants.RepayStatus.COMPLETE);
// 记录repayWay信息，还款者id，如果有此id，则为代偿
lr.setRepayWay(repayerId);
// 代偿账户，扣除还款。
userBillBO.transferOutFromBalance(
repayerId,
payMoney,
OperatorInfo.OVERDUE_REPAY,
"借款："
+ lr.getLoan().getId()
+ "逾期还款, 还款ID："
+ lr.getId()
+ " 本金："
+ lr.getCorpus()
+ " 利息："
+ lr.getInterest()
+ " 手续费："
+ lr.getFee()
+ " 罚息："
+ lr.getDefaultInterest());
// 借款者手续费
systemBillService.transferInto(
lr.getFee(),
OperatorInfo.OVERDUE_REPAY,
"项目ID:" + lr.getLoan().getId() + "逾期还款，扣除手续费， 还款ID：" + lr.getId());
// 罚息转入网站账户
systemBillService.transferInto(
defaultInterest,
OperatorInfo.OVERDUE_REPAY,
"项目ID:" + lr.getLoan().getId() + "逾期还款，扣除罚金， 还款ID：" + lr.getId());
ht.merge(lr);
Long count =
(Long)
ht.find(
"select count(repay) from LoanRepay repay where repay.loan.id=? and (repay.status=? or repay.status=?)",
lr.getLoan().getId(),
RepayStatus.OVERDUE,
RepayStatus.BAD_DEBT)
.get(0);
if (count == 0) {
// 如果没有逾期或者坏账的还款，则更改借款状态。
lr.getLoan().setStatus(LoanStatus.REPAYING);
ht.update(lr.getLoan());
for (Invest invest : invests) {
invest.setStatus(InvestStatus.REPAYING);
ht.update(invest);
}
}
// 如果不是自己还款，则产生代偿
if (!lr.getLoan().getUser().getId().equals(repayerId)) {
RepayCompensation rc = new RepayCompensation();
rc.setId(IdGenerator.randomUUID());
rc.setLoanRepay(lr);
rc.setRepayer(new User(repayerId));
rc.setCompensateTime(new Date());
rc.setStatus(CompensationStatus.COMPENSATED);
ht.save(rc);
}
// 判断是否所有还款结束，更改等待还款的投资状态和还款状态，还有项目状态。
loanService.dealComplete(lr.getLoan().getId());
try {
cancelTransfering(lr.getLoan().getId());
} catch (RepayException e) {
throw new OverdueRepayException(e.getMessage(), e.getCause());
}
} else {
throw new OverdueRepayException("还款不处于逾期还款状态");
}
}
@Transactional(readOnly = false, rollbackFor = Exception.class)
public void normalRepay(LoanRepay repay, String repayerId)
throws InsufficientBalance, NormalRepayException {
ht.evict(repay);
repay = ht.get(LoanRepay.class, repay.getId(), LockMode.UPGRADE);
// 正常还款
if (!(repay.getStatus().equals(LoanConstants.RepayStatus.REPAYING)
&& !(repay.getStatus().equals(LoanConstants.RepayStatus.REPAYING_BACK)))) {
// 该还款不处于正常还款状态。
throw new NormalRepayException("还款：" + repay.getId() + "不处于正常还款状态。");
}
List<InvestRepay> irs =
ht.find(
"from InvestRepay ir where ir.invest.loan.id=? and ir.period=?",
new Object[] {repay.getLoan().getId(), repay.getPeriod()});
// TODO:投资的所有还款信息加和，判断是否等于借款的还款信息，如果不相等，抛异常
// 更改投资的还款信息
for (InvestRepay ir : irs) {
ir.setStatus(LoanConstants.RepayStatus.COMPLETE);
ir.setTime(new Date());
ht.update(ir);
userBillBO.transferIntoBalance(
ir.getInvest().getUser().getId(),
ArithUtil.add(ir.getCorpus(), ir.getInterest()),
OperatorInfo.NORMAL_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款, 还款ID:"
+ repay.getId()
+ " 借款ID:"
+ repay.getLoan().getId()
+ " 本金："
+ ir.getCorpus()
+ " 利息："
+ ir.getInterest());
if (ir.getCorpusToSystem() != null && ir.getCorpusToSystem() != 0) {
// 系统回收体验金
systemBillService.transferInto(
ir.getCorpusToSystem(),
OperatorInfo.NORMAL_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，回收体验金, 还款ID:" + repay.getId());
}
// 投资者手续费
userBillBO.transferOutFromBalance(
ir.getInvest().getUser().getId(),
ir.getFee(),
OperatorInfo.NORMAL_REPAY,
"投资：" + ir.getInvest().getId() + "收到还款，扣除手续费, 还款ID:" + repay.getId());
systemBillService.transferInto(
ir.getFee(),
OperatorInfo.NORMAL_REPAY,
"投资："
+ ir.getInvest().getId()
+ "收到还款，扣除手续费, 还款ID:"
+ repay.getId()
+ ",项目ID:"
+ ir.getInvest().getLoan().getId());
}
try {
cancelTransfering(repay.getLoan().getId());
} catch (RepayException e) {
throw new NormalRepayException(e.getMessage(), e.getCause());
}
// 更改借款的还款信息
double payMoney =
ArithUtil.add(ArithUtil.add(repay.getCorpus(), repay.getInterest()), repay.getFee());
repay.setTime(new Date());
repay.setStatus(LoanConstants.RepayStatus.COMPLETE);
// 记录repayWay信息，还款者id，如果有此id，则为代偿
repay.setRepayWay(repayerId);
// 借款者的账户，扣除还款。
userBillBO.transferOutFromBalance(
repayerId,
payMoney,
OperatorInfo.NORMAL_REPAY,
"借款："
+ repay.getLoan().getId()
+ "正常还款, 还款ID："
+ repay.getId()
+ " 本金："
+ repay.getCorpus()
+ " 利息："
+ repay.getInterest()
+ " 手续费："
+ repay.getFee());
// 借款者手续费
systemBillService.transferInto(
repay.getFee(),
OperatorInfo.NORMAL_REPAY,
"项目ID:" + repay.getLoan().getId() + "正常还款，扣除手续费， 还款ID：" + repay.getId());
ht.merge(repay);
// 如果不是自己还款，则产生代偿
if (!repay.getLoan().getUser().getId().equals(repayerId)) {
RepayCompensation rc = new RepayCompensation();
rc.setId(IdGenerator.randomUUID());
rc.setLoanRepay(repay);
rc.setRepayer(new User(repayerId));
rc.setCompensateTime(new Date());
rc.setStatus(CompensationStatus.COMPENSATED);
ht.save(rc);
}
// 判断是否所有还款结束，更改等待还款的投资状态和还款状态，还有项目状态。
loanService.dealComplete(repay.getLoan().getId());
}