469 lines
19 KiB
Java
469 lines
19 KiB
Java
package com.kaidi.oa.seed;
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import com.kaidi.oa.common.Money;
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import com.kaidi.oa.domain.Financing;
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import com.kaidi.oa.domain.FinancingPolicy;
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import com.kaidi.oa.domain.PmtBankEvaluation;
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import com.kaidi.oa.domain.PmtBankRelation;
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import com.kaidi.oa.domain.RepaymentPlan;
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import com.kaidi.oa.repository.FinancingPolicyRepository;
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import com.kaidi.oa.repository.FinancingRepository;
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import com.kaidi.oa.repository.PmtBankEvaluationRepository;
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import com.kaidi.oa.repository.PmtBankRelationRepository;
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import com.kaidi.oa.repository.RepaymentPlanRepository;
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import org.springframework.boot.CommandLineRunner;
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import org.springframework.core.annotation.Order;
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import java.math.BigDecimal;
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import java.time.Instant;
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/**
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* 融资域演示数据（金融办）。
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* 补建 Gap-1/2/5 的活体演示数据：金融机构档案、融资台账、机构定期评价、融资政策规则、还款计划。
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* 只在对应表为空时执行，防止重复。@Order(20) 在 DataSeeder(@Order(1)) 之后运行。
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*/
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@Order(20)
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@DemoSeed
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public class FinancingDomainSeeder implements CommandLineRunner {
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private final PmtBankRelationRepository bankRelRepo;
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private final FinancingRepository financingRepo;
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private final RepaymentPlanRepository planRepo;
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private final PmtBankEvaluationRepository evalRepo;
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private final FinancingPolicyRepository policyRepo;
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public FinancingDomainSeeder(PmtBankRelationRepository bankRelRepo,
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FinancingRepository financingRepo,
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RepaymentPlanRepository planRepo,
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PmtBankEvaluationRepository evalRepo,
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FinancingPolicyRepository policyRepo) {
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this.bankRelRepo = bankRelRepo;
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this.financingRepo = financingRepo;
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this.planRepo = planRepo;
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this.evalRepo = evalRepo;
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this.policyRepo = policyRepo;
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}
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@Override
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public void run(String... args) {
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seedBankRelations();
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seedFinancings();
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seedPolicies();
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seedEvaluations();
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}
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private void seedBankRelations() {
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if (bankRelRepo.count() > 0) return;
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PmtBankRelation r1 = new PmtBankRelation();
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r1.setInstitutionName("工商银行长沙分行");
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r1.setInstitutionType("商业银行");
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r1.setBranch("长沙分行公司业务部");
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r1.setAccountManager("张磊");
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r1.setManagerPhone("0731-88882001");
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r1.setTotalCreditLimit(Money.of(200000000.0));
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r1.setCooperationStartDate("2019-03-01");
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r1.setRating("A");
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r1.setAvgApprovalDays(7);
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r1.setRemark("主要合作银行，综合授信2亿，流贷+固贷均有合作历史。");
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r1.setStatus("合作中");
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r1.setCreatedBy("admin");
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r1.setCreatedAt(Instant.now());
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bankRelRepo.save(r1);
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PmtBankRelation r2 = new PmtBankRelation();
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r2.setInstitutionName("建设银行株洲支行");
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r2.setInstitutionType("商业银行");
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r2.setBranch("株洲高新区支行");
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r2.setAccountManager("李梅");
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r2.setManagerPhone("0733-77773001");
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r2.setTotalCreditLimit(Money.of(100000000.0));
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r2.setCooperationStartDate("2020-06-15");
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r2.setRating("B");
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r2.setAvgApprovalDays(10);
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r2.setRemark("次要银行，主要为子公司株洲项目配套贷款。");
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r2.setStatus("合作中");
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r2.setCreatedBy("admin");
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r2.setCreatedAt(Instant.now());
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bankRelRepo.save(r2);
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PmtBankRelation r3 = new PmtBankRelation();
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r3.setInstitutionName("国家开发银行湖南省分行");
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r3.setInstitutionType("政策性银行");
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r3.setBranch("湖南省分行基础设施部");
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r3.setAccountManager("王强");
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r3.setManagerPhone("0731-66661001");
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r3.setTotalCreditLimit(Money.of(500000000.0));
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r3.setCooperationStartDate("2021-01-20");
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r3.setRating("A");
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r3.setAvgApprovalDays(15);
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r3.setRemark("政策性长期资金来源，主要用于环保固定资产投资项目贷款，利率优惠。");
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r3.setStatus("合作中");
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r3.setCreatedBy("admin");
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r3.setCreatedAt(Instant.now());
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bankRelRepo.save(r3);
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PmtBankRelation r4 = new PmtBankRelation();
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r4.setInstitutionName("中信银行长沙分行");
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r4.setInstitutionType("商业银行");
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r4.setBranch("长沙分行企业金融部");
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r4.setAccountManager("陈晓");
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r4.setManagerPhone("0731-55550801");
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r4.setTotalCreditLimit(Money.of(80000000.0));
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r4.setCooperationStartDate("2022-09-01");
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r4.setRating("B");
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r4.setAvgApprovalDays(8);
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r4.setRemark("近两年新增合作银行，流动资金贷款为主，银行承兑汇票业务活跃。");
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r4.setStatus("合作中");
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r4.setCreatedBy("admin");
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r4.setCreatedAt(Instant.now());
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bankRelRepo.save(r4);
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}
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private void seedFinancings() {
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if (financingRepo.count() > 0) return;
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Financing f1 = new Financing();
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f1.setCode("RZ-2024-001");
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f1.setLender("工商银行长沙分行");
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f1.setFinancingType("银行贷款");
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f1.setCreditLimit(Money.of(50000000.0));
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f1.setAmount(Money.of(50000000.0));
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f1.setCurrency("人民币");
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f1.setRate(BigDecimal.valueOf(3.85));
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f1.setStartDate("2024-01-15");
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f1.setEndDate("2026-01-14");
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f1.setTermMonths(24);
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f1.setRepayMethod("按期付息到期还本");
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f1.setStatus("还款中");
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f1.setCompanySubject("凯迪科技股份有限公司");
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f1.setPurpose("补充流动资金");
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f1.setOwner("admin");
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f1.setCreatedAt(Instant.now());
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Financing sf1 = financingRepo.save(f1);
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// 为 f1 生成还款计划（按期付息到期还本，24期，月息）
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seedRepaymentPlan(sf1, 24, 3.85, "按期付息到期还本", "2024-01-15");
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Financing f2 = new Financing();
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f2.setCode("RZ-2024-002");
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f2.setLender("国家开发银行湖南省分行");
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f2.setFinancingType("银行贷款");
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f2.setCreditLimit(Money.of(100000000.0));
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f2.setAmount(Money.of(80000000.0));
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f2.setCurrency("人民币");
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f2.setRate(BigDecimal.valueOf(3.20));
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f2.setStartDate("2024-03-01");
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f2.setEndDate("2029-02-28");
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f2.setTermMonths(60);
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f2.setRepayMethod("等额本金");
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f2.setStatus("还款中");
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f2.setCompanySubject("凯迪科技股份有限公司");
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f2.setPurpose("污水处理厂固定资产投资");
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f2.setOwner("admin");
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f2.setCreatedAt(Instant.now());
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Financing sf2 = financingRepo.save(f2);
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seedRepaymentPlan(sf2, 60, 3.20, "等额本金", "2024-03-01");
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Financing f3 = new Financing();
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f3.setCode("RZ-2024-003");
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f3.setLender("建设银行株洲支行");
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f3.setFinancingType("银行贷款");
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f3.setCreditLimit(Money.of(20000000.0));
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f3.setAmount(Money.of(18000000.0));
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f3.setCurrency("人民币");
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f3.setRate(BigDecimal.valueOf(4.35));
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f3.setStartDate("2024-06-01");
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f3.setEndDate("2025-05-31");
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f3.setTermMonths(12);
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f3.setRepayMethod("到期一次还本付息");
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f3.setStatus("还款中");
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f3.setCompanySubject("株洲凯迪环保科技有限公司");
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f3.setPurpose("补充流动资金");
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f3.setOwner("admin");
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f3.setCreatedAt(Instant.now());
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Financing sf3 = financingRepo.save(f3);
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seedRepaymentPlan(sf3, 12, 4.35, "到期一次还本付息", "2024-06-01");
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Financing f4 = new Financing();
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f4.setCode("RZ-2025-001");
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f4.setLender("中信银行长沙分行");
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f4.setFinancingType("银行贷款");
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f4.setCreditLimit(Money.of(30000000.0));
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f4.setAmount(Money.of(30000000.0));
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f4.setCurrency("人民币");
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f4.setRate(BigDecimal.valueOf(4.10));
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f4.setStartDate("2025-02-01");
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f4.setEndDate("2026-01-31");
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f4.setTermMonths(12);
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f4.setRepayMethod("等额本息");
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f4.setStatus("还款中");
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f4.setCompanySubject("凯迪科技股份有限公司");
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f4.setPurpose("采购原材料及备品备件");
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f4.setOwner("admin");
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f4.setCreatedAt(Instant.now());
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Financing sf4 = financingRepo.save(f4);
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seedRepaymentPlan(sf4, 12, 4.10, "等额本息", "2025-02-01");
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// 一笔申请中
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Financing f5 = new Financing();
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f5.setCode("RZ-2025-002");
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f5.setLender("工商银行长沙分行");
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f5.setFinancingType("银行承兑汇票");
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f5.setCreditLimit(Money.of(20000000.0));
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f5.setAmount(Money.of(20000000.0));
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f5.setCurrency("人民币");
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f5.setRate(BigDecimal.valueOf(2.50));
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f5.setStartDate("2025-07-01");
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f5.setEndDate("2026-06-30");
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f5.setTermMonths(12);
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f5.setRepayMethod("到期一次还本付息");
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f5.setStatus("申请中");
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f5.setCompanySubject("凯迪科技股份有限公司");
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f5.setPurpose("支付设备采购款（银承）");
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f5.setOwner("admin");
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f5.setCreatedAt(Instant.now());
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financingRepo.save(f5);
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// 一笔已结清
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Financing f6 = new Financing();
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f6.setCode("RZ-2023-003");
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f6.setLender("建设银行株洲支行");
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f6.setFinancingType("银行贷款");
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f6.setCreditLimit(Money.of(10000000.0));
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f6.setAmount(Money.of(10000000.0));
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f6.setCurrency("人民币");
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f6.setRate(BigDecimal.valueOf(4.60));
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f6.setStartDate("2023-01-01");
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f6.setEndDate("2024-12-31");
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f6.setTermMonths(24);
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f6.setRepayMethod("等额本息");
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f6.setStatus("已结清");
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f6.setCompanySubject("株洲凯迪环保科技有限公司");
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f6.setPurpose("经营周转资金");
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f6.setOwner("admin");
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f6.setCreatedAt(Instant.now());
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financingRepo.save(f6);
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}
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private void seedRepaymentPlan(Financing f, int term, double annualRate, String method, String startDate) {
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if (planRepo.findByFinancingIdOrderByPeriodNoAsc(f.getId()).size() > 0) return;
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double monthlyRate = annualRate / 100.0 / 12.0;
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double principal = Money.nz(f.getAmount()).doubleValue();
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java.time.LocalDate start;
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try {
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start = java.time.LocalDate.parse(startDate);
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} catch (Exception e) {
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start = java.time.LocalDate.now();
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}
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if ("到期一次还本付息".equals(method)) {
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double interest = principal * monthlyRate * term;
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RepaymentPlan p = buildPlan(f, 1, start.plusMonths(term).toString(),
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new BigDecimal(principal).setScale(2, java.math.RoundingMode.HALF_UP),
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Money.of(interest), "未还");
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planRepo.save(p);
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return;
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}
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if ("按期付息到期还本".equals(method)) {
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BigDecimal totalPrincipal = Money.nz(f.getAmount());
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for (int i = 1; i <= term; i++) {
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double interest = principal * monthlyRate;
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BigDecimal prin = (i == term) ? totalPrincipal : BigDecimal.ZERO;
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RepaymentPlan p = buildPlan(f, i, start.plusMonths(i).toString(),
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Money.nz(prin), Money.of(interest), "未还");
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planRepo.save(p);
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}
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return;
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}
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if ("等额本金".equals(method)) {
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BigDecimal totalPrincipal = Money.nz(f.getAmount());
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BigDecimal perPrincipal = totalPrincipal.divide(BigDecimal.valueOf(term), 2, java.math.RoundingMode.HALF_UP);
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double balance = principal;
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BigDecimal acc = BigDecimal.ZERO;
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for (int i = 1; i <= term; i++) {
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double interest = balance * monthlyRate;
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BigDecimal prin = (i == term) ? Money.sub(totalPrincipal, acc) : perPrincipal;
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acc = Money.add(acc, prin);
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RepaymentPlan p = buildPlan(f, i, start.plusMonths(i).toString(),
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Money.nz(prin), Money.of(interest), "未还");
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planRepo.save(p);
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balance -= prin.doubleValue();
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}
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return;
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}
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// 等额本息
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BigDecimal totalPrincipal = Money.nz(f.getAmount());
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double installment;
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if (monthlyRate == 0) {
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installment = principal / term;
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} else {
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double pow = Math.pow(1 + monthlyRate, term);
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installment = principal * monthlyRate * pow / (pow - 1);
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}
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double balance = principal;
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BigDecimal acc = BigDecimal.ZERO;
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for (int i = 1; i <= term; i++) {
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double interest = balance * monthlyRate;
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double prinD = installment - interest;
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BigDecimal prin = (i == term) ? Money.sub(totalPrincipal, acc) : Money.of(prinD);
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acc = Money.add(acc, prin);
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RepaymentPlan p = buildPlan(f, i, start.plusMonths(i).toString(),
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Money.nz(prin), Money.of(interest), "未还");
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planRepo.save(p);
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balance -= prin.doubleValue();
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}
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}
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private RepaymentPlan buildPlan(Financing f, int no, String dueDate,
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BigDecimal principal, BigDecimal interest, String status) {
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RepaymentPlan p = new RepaymentPlan();
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p.setFinancingId(f.getId());
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p.setFinancingCode(f.getCode());
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p.setPeriodNo(no);
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p.setDueDate(dueDate);
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p.setPrincipal(Money.nz(principal));
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p.setInterest(Money.nz(interest));
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p.setStatus(status);
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p.setCreatedAt(Instant.now());
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return p;
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}
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private void seedPolicies() {
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if (policyRepo.count() > 0) return;
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FinancingPolicy p1 = new FinancingPolicy();
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p1.setRuleName("单笔流动资金贷款额度上限");
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p1.setRuleType("额度上限");
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p1.setLimitValue(Money.of(100000000.0));
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p1.setScope("全集团");
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p1.setHardBlock(true);
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p1.setDescription("集团融资政策：单笔流动资金贷款不超过 1 亿元，超限须报董事会审批。");
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p1.setStatus("启用");
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p1.setCreatedBy("admin");
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p1.setCreatedAt(Instant.now());
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policyRepo.save(p1);
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FinancingPolicy p2 = new FinancingPolicy();
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p2.setRuleName("融资综合利率上限");
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p2.setRuleType("利率上限");
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p2.setLimitValue(Money.of(6.0));
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p2.setScope("全集团");
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p2.setHardBlock(false);
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p2.setDescription("集团融资政策：融资年化利率超过 6% 视为高成本融资，需在申请中说明替代方案比选结果，硬拒以警告为主不阻断。");
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p2.setStatus("启用");
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p2.setCreatedBy("admin");
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p2.setCreatedAt(Instant.now());
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policyRepo.save(p2);
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FinancingPolicy p3 = new FinancingPolicy();
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p3.setRuleName("流动资金贷款期限上限");
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p3.setRuleType("期限上限");
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p3.setLimitValue(Money.of(12.0));
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p3.setScope("流动资金");
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p3.setHardBlock(true);
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p3.setDescription("流动资金贷款期限原则上不超过 12 个月（1年），超限需升级审批至财务总监。");
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p3.setStatus("启用");
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p3.setCreatedBy("admin");
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p3.setCreatedAt(Instant.now());
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policyRepo.save(p3);
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FinancingPolicy p4 = new FinancingPolicy();
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p4.setRuleName("允许融资品种限制");
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p4.setRuleType("品种限制");
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p4.setAllowedValues("银行贷款,融资租赁,银行承兑汇票,信用证");
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p4.setScope("全集团");
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p4.setHardBlock(true);
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p4.setDescription("集团融资政策：仅允许银行贷款、融资租赁、银行承兑汇票、信用证四种融资品种，其他品种须专项论证并报批。");
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p4.setStatus("启用");
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p4.setCreatedBy("admin");
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p4.setCreatedAt(Instant.now());
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policyRepo.save(p4);
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FinancingPolicy p5 = new FinancingPolicy();
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p5.setRuleName("固定资产贷款期限上限");
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p5.setRuleType("期限上限");
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p5.setLimitValue(Money.of(120.0));
|
||
p5.setScope("固定资产投资");
|
||
p5.setHardBlock(true);
|
||
p5.setDescription("固定资产贷款期限不超过 10 年（120 个月），与项目建设及投资回收期匹配。");
|
||
p5.setStatus("启用");
|
||
p5.setCreatedBy("admin");
|
||
p5.setCreatedAt(Instant.now());
|
||
policyRepo.save(p5);
|
||
}
|
||
|
||
private void seedEvaluations() {
|
||
if (evalRepo.count() > 0) return;
|
||
// 需要 bankRelRepo 已有数据
|
||
java.util.List<PmtBankRelation> rels = bankRelRepo.findAll();
|
||
if (rels.isEmpty()) return;
|
||
|
||
Instant now = Instant.now();
|
||
for (PmtBankRelation rel : rels) {
|
||
// 每个机构建 2 条历史评价（2024Q4 和 2025Q2）
|
||
PmtBankEvaluation ev1 = new PmtBankEvaluation();
|
||
ev1.setBankRelId(rel.getId());
|
||
ev1.setInstitutionName(rel.getInstitutionName());
|
||
ev1.setEvalPeriod("2024Q4");
|
||
ev1.setEvalDate("2024-12-31");
|
||
int s1a = baseScore(rel.getRating()) - 5;
|
||
int s1b = baseScore(rel.getRating());
|
||
int s1c = baseScore(rel.getRating()) + 3;
|
||
int s1d = baseScore(rel.getRating()) - 2;
|
||
ev1.setScoreApprovalSpeed(clamp(s1a));
|
||
ev1.setScoreServiceQuality(clamp(s1b));
|
||
ev1.setScoreRateCompetitiveness(clamp(s1c));
|
||
ev1.setScoreCooperation(clamp(s1d));
|
||
int total1 = (clamp(s1a) + clamp(s1b) + clamp(s1c) + clamp(s1d)) / 4;
|
||
ev1.setTotalScore(total1);
|
||
ev1.setGrade(grade(total1));
|
||
ev1.setRemark("2024年四季度综合评价，审批效率和服务质量符合预期。");
|
||
ev1.setEvaluator("admin");
|
||
ev1.setStatus("已完成");
|
||
ev1.setCreatedAt(now);
|
||
evalRepo.save(ev1);
|
||
|
||
PmtBankEvaluation ev2 = new PmtBankEvaluation();
|
||
ev2.setBankRelId(rel.getId());
|
||
ev2.setInstitutionName(rel.getInstitutionName());
|
||
ev2.setEvalPeriod("2025Q2");
|
||
ev2.setEvalDate("2025-06-30");
|
||
int s2a = baseScore(rel.getRating()) + 2;
|
||
int s2b = baseScore(rel.getRating()) + 1;
|
||
int s2c = baseScore(rel.getRating());
|
||
int s2d = baseScore(rel.getRating()) + 4;
|
||
ev2.setScoreApprovalSpeed(clamp(s2a));
|
||
ev2.setScoreServiceQuality(clamp(s2b));
|
||
ev2.setScoreRateCompetitiveness(clamp(s2c));
|
||
ev2.setScoreCooperation(clamp(s2d));
|
||
int total2 = (clamp(s2a) + clamp(s2b) + clamp(s2c) + clamp(s2d)) / 4;
|
||
ev2.setTotalScore(total2);
|
||
ev2.setGrade(grade(total2));
|
||
ev2.setRemark("2025年二季度综合评价，各维度较上期有所提升。");
|
||
ev2.setEvaluator("admin");
|
||
ev2.setStatus("已完成");
|
||
ev2.setCreatedAt(now);
|
||
evalRepo.save(ev2);
|
||
}
|
||
}
|
||
|
||
private static int baseScore(String rating) {
|
||
if ("A".equals(rating)) return 85;
|
||
if ("B".equals(rating)) return 70;
|
||
if ("C".equals(rating)) return 55;
|
||
return 40;
|
||
}
|
||
|
||
private static int clamp(int v) {
|
||
return Math.max(0, Math.min(100, v));
|
||
}
|
||
|
||
private static String grade(int total) {
|
||
if (total >= 80) return "A";
|
||
if (total >= 60) return "B";
|
||
if (total >= 40) return "C";
|
||
return "D";
|
||
}
|
||
}
|