149 lines
5.6 KiB
Java
149 lines
5.6 KiB
Java
package com.kaidi.oa.domain;
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import jakarta.persistence.Entity;
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import jakarta.persistence.GeneratedValue;
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import jakarta.persistence.GenerationType;
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import jakarta.persistence.Id;
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import jakarta.persistence.Table;
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import java.math.BigDecimal;
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import java.time.Instant;
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/**
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* 融资方案比选（金融办·融资申请与审批流程）。
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* 支持对同一融资需求录入多家金融机构的报价，系统自动计算简化 IRR（综合成本率），
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* 辅助财务人员择优决策。
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*
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* 状态：待比选 → 已推荐 → 已选定 → 已驳回。
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* status=已选定 时，系统自动用 selectedSchemeId 回写 Financing 台账的 lender/rate/repayMethod。
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*/
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@Entity
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@Table(name = "pmt_loan_scheme")
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public class PmtLoanScheme {
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@Id
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@GeneratedValue(strategy = GenerationType.IDENTITY)
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private Long id;
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/** 关联融资台账 id（pmt_loan_scheme 属于某次融资需求下的比选方案之一）。 */
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private Long financingId;
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/** 融资台账编号（冗余）。 */
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private String financingCode;
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/** 报价机构名称（银行/租赁公司名）。 */
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private String institution;
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/** 融资品种：银行贷款 / 融资租赁 / 债券 / 票据 / 其他。 */
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private String loanType;
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/** 拟融资金额（元）。 */
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private BigDecimal amount = BigDecimal.ZERO;
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/** 年化利率（百分比，如 4.35 表示 4.35%）。 */
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private BigDecimal annualRate;
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/** 期限（月）。 */
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private Integer termMonths;
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/** 还款方式：等额本息 / 等额本金 / 到期一次还本付息 / 按期付息到期还本。 */
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private String repayMethod;
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/** 手续费（一次性）。 */
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private BigDecimal handlingFee = BigDecimal.ZERO;
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/** 担保方式：信用贷 / 抵押 / 质押 / 保证 / 组合担保。 */
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private String guaranteeType;
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/** 担保费率（年化，百分比）。 */
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private BigDecimal guaranteeRate;
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/** 提款条件（文字描述）。 */
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private String drawdownConditions;
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/**
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* 系统自动计算的综合成本率（利息+费用+担保成本之和/本金，IRR 简化口径，百分比）。
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* 创建/更新时服务端根据 rate+费用+担保自动回填。
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*/
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private BigDecimal effectiveCostRate;
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/** 综合排名（越小越优，由 /rank 端点服务端按综合成本排序后写入）。 */
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private Integer rank;
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/** 是否已推荐（比选后 owner 标注的首选方案）。 */
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private Boolean recommended = false;
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/** 经办人。 */
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private String owner;
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/** 状态：待比选 / 已推荐 / 已选定 / 已驳回。 */
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private String status;
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/** 备注（机构具体条款说明）。 */
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private String remark;
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private Instant createdAt;
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// ---------- getters/setters ----------
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public Long getId() { return id; }
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public void setId(Long id) { this.id = id; }
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public Long getFinancingId() { return financingId; }
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public void setFinancingId(Long financingId) { this.financingId = financingId; }
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public String getFinancingCode() { return financingCode; }
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public void setFinancingCode(String financingCode) { this.financingCode = financingCode; }
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public String getInstitution() { return institution; }
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public void setInstitution(String institution) { this.institution = institution; }
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public String getLoanType() { return loanType; }
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public void setLoanType(String loanType) { this.loanType = loanType; }
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public BigDecimal getAmount() { return amount; }
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public void setAmount(BigDecimal amount) { this.amount = amount; }
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public BigDecimal getAnnualRate() { return annualRate; }
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public void setAnnualRate(BigDecimal annualRate) { this.annualRate = annualRate; }
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public Integer getTermMonths() { return termMonths; }
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public void setTermMonths(Integer termMonths) { this.termMonths = termMonths; }
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public String getRepayMethod() { return repayMethod; }
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public void setRepayMethod(String repayMethod) { this.repayMethod = repayMethod; }
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public BigDecimal getHandlingFee() { return handlingFee; }
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public void setHandlingFee(BigDecimal handlingFee) { this.handlingFee = handlingFee; }
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public String getGuaranteeType() { return guaranteeType; }
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public void setGuaranteeType(String guaranteeType) { this.guaranteeType = guaranteeType; }
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public BigDecimal getGuaranteeRate() { return guaranteeRate; }
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public void setGuaranteeRate(BigDecimal guaranteeRate) { this.guaranteeRate = guaranteeRate; }
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public String getDrawdownConditions() { return drawdownConditions; }
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public void setDrawdownConditions(String drawdownConditions) { this.drawdownConditions = drawdownConditions; }
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public BigDecimal getEffectiveCostRate() { return effectiveCostRate; }
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public void setEffectiveCostRate(BigDecimal effectiveCostRate) { this.effectiveCostRate = effectiveCostRate; }
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public Integer getRank() { return rank; }
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public void setRank(Integer rank) { this.rank = rank; }
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public Boolean getRecommended() { return recommended; }
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public void setRecommended(Boolean recommended) { this.recommended = recommended; }
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public String getOwner() { return owner; }
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public void setOwner(String owner) { this.owner = owner; }
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public String getStatus() { return status; }
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public void setStatus(String status) { this.status = status; }
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public String getRemark() { return remark; }
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public void setRemark(String remark) { this.remark = remark; }
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public Instant getCreatedAt() { return createdAt; }
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public void setCreatedAt(Instant createdAt) { this.createdAt = createdAt; }
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}
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