CN109102257A - A kind of method and device that customized repayment schedule table generates - Google Patents

A kind of method and device that customized repayment schedule table generates Download PDF

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Publication number
CN109102257A
CN109102257A CN201811026529.5A CN201811026529A CN109102257A CN 109102257 A CN109102257 A CN 109102257A CN 201811026529 A CN201811026529 A CN 201811026529A CN 109102257 A CN109102257 A CN 109102257A
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CN
China
Prior art keywords
repayment
repayment schedule
schedule table
refund
interest
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201811026529.5A
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Chinese (zh)
Inventor
冯宾华
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shandong Inspur Genersoft Information Technology Co Ltd
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Shandong Inspur Genersoft Information Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
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Priority to CN201811026529.5A priority Critical patent/CN109102257A/en
Publication of CN109102257A publication Critical patent/CN109102257A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/10Office automation; Time management
    • G06Q10/109Time management, e.g. calendars, reminders, meetings or time accounting
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

Abstract

The invention discloses a kind of method and devices that customized repayment schedule table generates, and include the following steps: before 1) generating repayment schedule, specify main element;2) repayment schedule table for the first time is generated according to both sides' contract engagement;3) according to both sides' contract engagement repayment period time, mode of repayment, repayment schedule table is regenerated.The present invention compared to the prior art, have the advantages that 1) can according to choose whether the repayment of principal, whether also breath calculate it is current should go back interest and capital should be gone back, can support arbitrarily to choose, but giving back capital is that must give back current interest.2) any mode of repayment that can meet refund people, calculates repayment schedule table, meets the flexible mode of repayment of borrower.3) it solves because the loan repayment capacity of different borrowers is different, repayment schedule is generated according to the agreement that both sides reach, meets both sides' demand.

Description

A kind of method and device that customized repayment schedule table generates
Technical field
The present invention relates to computer data processing technology field, what specifically a kind of customized repayment schedule table generated Method and device.
Background technique
In credit operation, because the loan repayment capacity of borrower is different, lead to each issue of repayment amount (containing capital, interest) no Together.Such as: peasant needs because generating, and needs to buy agricultural machinery and carries out agriculture generation, but large-scale agricultural machinery price is all more expensive, peasant It can not disposably full payment buy, it is therefore desirable to provide a loan.But the principal income of peasant is in the fall, the income in other seasons It is more meagre, so not being very suitable for peasant according to modes of repayment such as conventional equal capital, equal principals.
Summary of the invention
Technical assignment of the invention is to provide a kind of method and device that customized repayment schedule table generates.
Technical assignment of the invention is realized in the following manner:
A kind of method that customized repayment schedule table generates, includes the following steps:
Before step 1) generates repayment schedule, main element is specified;
Step 2 generates repayment schedule table for the first time according to both sides' contract engagement;
Step 3) regenerates repayment schedule table according to both sides' contract engagement repayment period time, mode of repayment.
The main element are as follows: contract from date, expiration of contract date, repayment date, loaning bill total amount, interest rate class Type calculates interest rate;
Generation repayment schedule table for the first time, different correspondence repayment schedule tables is generated according to different main elements.
The table of repayment schedule for the first time is the default repayment schedule table generated according to main element, and the default is refunded The rule of planning chart is equal capital repayment method.
The table of repayment schedule for the first time regenerates repayment schedule table when main element changes.
In the step 3), when regenerating repayment schedule table and not being able to satisfy both sides and require, negotiated according to both sides Repayment schedule adjusts repayment schedule table, regenerates new repayment schedule table.
The adjustment repayment schedule table is the repayment period time according to adjustment, each issue of refund capital, each issue of refund benefit Breath all recalculates, and regenerates repayment schedule table.
The derivation formula of the refund capital of described each issue is as follows:
Each issue of the refund capital=refund total amount/total issue of the repayment of principal;
The refund interest derivation formula of described each issue is as follows:
Each issue of refund interest=current period refund capital * rate per diem * interest-bearing number of days;
Wherein: it is total that current period refund capital=loaning bill total amount-has gone back capital;
Rate per diem=Annual Percentage Rate/360;
Interest-bearing number of days=this repayment date-last time repayment date.
A kind of device that customized repayment schedule table generates, including main element storage module, repayment schedule table life for the first time Module is adjusted at module and repayment schedule table;
The main element storage module be used for contract from date, the expiration of contract date, repayment date, loaning bill total amount, The storage of interest rate type, the data of calculating interest rate;
The table generation module of repayment schedule for the first time is used to generate default repayment schedule table according to main element;
The repayment schedule that the repayment schedule table adjustment module is used to be negotiated according to both sides, adjusts repayment schedule table, gives birth to again The repayment schedule table of Cheng Xin.
Compared to the prior art the method and device that a kind of customized repayment schedule table of the invention generates, has with following Beneficial effect:
1) can according to choose whether the repayment of principal, whether also breath calculate it is current should go back interest and capital should be gone back, can support arbitrarily to choose, But giving back capital is that must give back current interest.
2) any mode of repayment that can meet refund people, calculates repayment schedule table, meets the borrower flexibly side of refund Formula.
3) it solves because the loan repayment capacity of different borrowers is different, repayment schedule is generated according to the agreement that both sides reach, it is full Sufficient both sides' demand.
Specific embodiment
Embodiment 1:
Configuration device:
A kind of device that customized repayment schedule table generates, including main element storage module, the mould of repayment schedule table generation for the first time Block and repayment schedule table adjust module;
The main element storage module be used for contract from date, the expiration of contract date, repayment date, loaning bill total amount, The storage of interest rate type, the data of calculating interest rate;
The table generation module of repayment schedule for the first time is used to generate default repayment schedule table according to main element;
The repayment schedule that the repayment schedule table adjustment module is used to be negotiated according to both sides, adjusts repayment schedule table, gives birth to again The repayment schedule table of Cheng Xin.
Operating method:
A kind of method that customized repayment schedule table generates, includes the following steps:
Before step 1) generates repayment schedule, main element is specified;The main element are as follows: contract from date, expiration of contract Date, loaning bill total amount, interest rate type, calculates interest rate at repayment date;
Step 2 generates repayment schedule table for the first time according to both sides' contract engagement;Generation repayment schedule table for the first time, according to not Same main element generates different correspondence repayment schedule tables;The table of repayment schedule for the first time is to be generated according to main element Default repayment schedule table, the rule of the default repayment schedule table is equal capital repayment method;The refund meter for the first time Table is drawn when main element changes, regenerates repayment schedule table.
Step 3) regenerates repayment schedule table according to both sides' contract engagement repayment period time, mode of repayment.When regenerating When repayment schedule table is not able to satisfy both sides and requires, according to the repayment schedule that both sides negotiate, repayment schedule table is adjusted, is regenerated new Repayment schedule table.
The adjustment repayment schedule table is the repayment period time according to adjustment, each issue of refund capital, each issue of refund benefit Breath all recalculates, and regenerates repayment schedule table.
The derivation formula of the refund capital of described each issue is as follows:
Each issue of the refund capital=refund total amount/total issue of the repayment of principal;
The refund interest derivation formula of described each issue is as follows:
Each issue of refund interest=current period refund capital * rate per diem * interest-bearing number of days;
Wherein: it is total that current period refund capital=loaning bill total amount-has gone back capital;
Rate per diem=Annual Percentage Rate/360;
Interest-bearing number of days=this repayment date-last time repayment date.
Embodiment 2:
1, implementation method
The derivation of equation:
1) each issue of refund capital=refund total amount/total issue of the repayment of principal;Wherein: total issue of repaying principal is the refund chosen in interface Issue is total.
2) each issue of refund interest=current period refund capital * rate per diem * interest-bearing number of days;Wherein: current period refund capital=loaning bill It is total that total amount-has gone back capital;Rate per diem=Annual Percentage Rate/360;Interest-bearing number of days=this repayment date-last time repayment date;
3) derivation result: should go back fund=each issue each issue and should go back capital+each issue should go back interest;
Calculating process:
A) loaning bill total amount, contract from date, expiration of contract date, Annual Percentage Rate known to;
B) it is all gone back for each issue in the repayment schedule table generated according to monthly also the calculation of principal and interest generates repayment schedule table first Principal and interest;Wherein: refund capital=refund total amount/issue;Refund interest=current period refund capital * rate per diem * interest-bearing number of days;
If c) monthly also principal and interest, this calculating terminate borrower, borrower is refunded i.e. by the repayment schedule table of generation It can;
If d) borrower's not monthly also principal and interest, based on contract " whether also agreement carries out repayment schedule adjustment (by choosing Originally ", " whether also cease "), each issue of refund interest, refund capital are regenerated, new repayment schedule table is ultimately generated;It is wherein every The refund capital of phase, refund interest calculation method it is same b) in it is consistent.
E) borrower refunds according to b) or d) generating repayment schedule table.
2, primary clustering:
Component 1:
// generate the date of refunding
public static String[][] getRepaymentDate(String htksrq,String hkr, String htdqrq,String lastRepDateFlag) throws Exception{
DateUtils dateutil = new DateUtils();
String[][] dateArray = null;
String datetemp1 = dateutil.getLastDayOfMonth(htksrq);
int months = dateutil.getMonthDiff(htksrq,htdqrq);// since bear interest month To termination of contract month, the moon number that actually differs
dateArray = new String[months][5];// setting array
String sjhkrq = "";
for(int i=1;i<months+1;i++){
String nextMonthDay = dateutil.getNextMonthDate(datetemp1,i);
if(Integer.parseInt(nextMonthDay.substring(6, 8)) < Integer.p arseInt(hkr)){
sjhkrq = nextMonthDay;
}else{
sjhkrq = nextMonthDay.substring(0, 6) + hkr;
}
Subject to // Final Issue expiration of contract the date
if(i == months && "1".equals(lastRepDateFlag)){
sjhkrq = htdqrq;
}
String sfhx = "1";// whether also cease
String sfhb = "1";// whether repay principal
// setting array
dateArray[i-1][0] = sjhkrq;// refund the date
dateArray[i-1][1] = sfhx;// whether also cease
dateArray[i-1][2] = sfhb;// whether repay principal
}
return createJxzq(htksrq,dateArray);
}
Component 2:
// generate the period of bearing interest
public static String[][] createJxzq(String jxksrq,String[][] dateArray) {
String xqjxksrqtemp = jxksrq;// next phase bears interest Start Date, defaults downpayment interest dates
for(int i=0;i<dateArray.length;i++){
String sfhx = (String)dateArray[i][1];// whether also cease
String sfhb = (String)dateArray[i][2];// whether repay principal
String bqjxksrqtemp = "";
String bqjxjzrqtemp = "";
if(i==0){
bqjxksrqtemp = jxksrq;
}else{
bqjxksrqtemp = xqjxksrqtemp;
}
Whether // the current period also ceases
if("1".equals(sfhx)){
bqjxjzrqtemp = (String)dateArray[i][0];
xqjxksrqtemp = bqjxjzrqtemp;
}
dateArray[i][3] = ("".equals(bqjxjzrqtemp)! "":bqjxksrqtemp);
dateArray[i][4] = bqjxjzrqtemp;
}
return dateArray;
}
Component 3:
public static List<Map> customRepayPlan(BigDecimal dkzje,BigDecimal dklv, String[][] dateArray) throws Exception{
DateUtils dateutil = new DateUtils();
List<Map> hkjhList = new ArrayList<Map>();
BigDecimal bqyhze = BigDecimal.ZERO;
BigDecimal bqyhlx = BigDecimal.ZERO;
BigDecimal bqyhbj = BigDecimal.ZERO;
BigDecimal yhbjhj = BigDecimal.ZERO;
BigDecimal yhlxhj = BigDecimal.ZERO;
BigDecimal whbjhj = dkzje;
Interest rate (rate per diem)=Annual Percentage Rate/360 that // interest calculates
BigDecimal dayRate = dklv.divide(new BigDecimal(36000), 60, BigDec imal.ROUND_HALF_UP);
int hbzqs = 0;// repayment of principal issue
for(int i=0;i<dateArray.length;i++){
String hkrq = (String)dateArray[i][0];// refund the date
String sfhx = (String)dateArray[i][1];// whether also cease
String sfhb = (String)dateArray[i][2];// whether repay principal
If (" 1 " .equals (sfhb)) { // repayment of principal of whether repaying principal
hbzqs = hbzqs + 1;
if(!" 1 " .equals (sfhx)) // whether also cease
Throw new Exception is (" when repaying principal, it is necessary to yet cease, repayment date repayment period time Phase is that the refund record setting of ["+hkrq+ "] is incorrect ");
}
}
}
if(hbzqs == 0){
Throw new Exception (" capital recovery period is incorrect, and an at least phase repays principal ");
}
// each issue should go back capital=loan principal/refund issue
BigDecimal yhbj = (dkzje.divide(new BigDecimal(hbzqs), 60, BigDecimal.ROUND_HALF_UP)).setScale(2, BigDecimal.ROUND_HALF_UP);
int syhbqs = hbzqs;// residue repayment of principal issue
for(int i=0;i<dateArray.length;i++){
String sfhx = (String)dateArray[i][1];// whether also cease
String sfhb = (String)dateArray[i][2];// whether repay principal
String bqjxksrqtemp = (String)dateArray[i][3];
String bqjxjzrqtemp = (String)dateArray[i][4];
int days = 0;// interest-bearing number of days
if("1".equals(sfhx)){
days = dateutil.differentDaysByMillisecond(bqjxksrqtemp, bqjxjzrqtemp);// interest-bearing number of days
bqyhlx = ((whbjhj.multiply(dayRate)).multiply(new BigDecimal (days))).setScale(2, BigDecimal.ROUND_HALF_UP);// the current period should go back interest
}else{
bqyhlx = BigDecimal.ZERO;
}
// calculating the current period should go back capital
Whether if (" 1 " .equals (sfhb)) { repay principal by // the current period
If (syhbqs==1) { it is total that // Final Issue capital=loan total amount-has gone back capital
bqyhbj = dkzje.subtract(yhbjhj);
}else{
bqyhbj = yhbj;
}
syhbqs = syhbqs - 1;// residue repayment of principal issue
}else{
bqyhbj = BigDecimal.ZERO;
}
// calculating the current period should go back total value
bqyhze = bqyhbj.add(bqyhlx);
yhbjhj = yhbjhj.add(bqyhbj);// to have gone back capital total
yhlxhj = yhlxhj.add(bqyhlx);// to have gone back interest total
whbjhj = dkzje.subtract(yhbjhj);// not go back capital total
Map tempMap = new HashMap();
tempMap.put("HKQS", i+1);// the phase time
tempMap.put("JXKSRQ", ("".equals(bqjxjzrqtemp)! "": bqjxksrqtemp));// interest-bearing from date
tempMap.put("JXZZRQ", bqjxjzrqtemp);// bear interest the date of expiry
tempMap.put("HKRQ", (String)dateArray[i][0]);// refund the date
tempMap.put("SFHX", (String)dateArray[i][1]);// whether also cease
tempMap.put("SFHB", (String)dateArray[i][2]);// whether repay principal
tempMap.put("JXTS", days);// interest-bearing number of days
tempMap.put("YHLX", bqyhlx);// interest should be gone back
tempMap.put("YHBJ", bqyhbj);// capital should be gone back
tempMap.put("SYBJ", whbjhj);// odd corpus
tempMap.put("DQYHKX", bqyhze);// current it should go back fund
hkjhList.add(tempMap);
}
return hkjhList;
}
3, call method
GetRepaymentDate () component is called to generate each issue of refund date;
CreateJxzq () component is called to generate the period of bearing interest;
CustomRepayPlan () component is called to generate repayment schedule table.
The technical personnel in the technical field can readily realize the present invention with the above specific embodiments,.But it answers Work as understanding, the present invention is not limited to above-mentioned several specific embodiments.On the basis of the disclosed embodiments, the technology The technical staff in field can arbitrarily combine different technical features, to realize different technical solutions.

Claims (8)

1. a kind of method that customized repayment schedule table generates, which comprises the steps of:
Before step 1) generates repayment schedule, main element is specified;
Step 2 generates repayment schedule table for the first time according to both sides' contract engagement;
Step 3) regenerates repayment schedule table according to both sides' contract engagement repayment period time, mode of repayment.
2. the method according to claim 1, wherein the main element are as follows: contract from date, contract arrive Date phase, loaning bill total amount, interest rate type, calculates interest rate at repayment date;
The method according to claim 1, wherein generation repayment schedule table for the first time, according to different masters Element is wanted to generate different correspondence repayment schedule tables.
3. according to the method described in claim 3, it is characterized in that, the table of repayment schedule for the first time is raw according to main element At default repayment schedule table, the rule of the default repayment schedule table is equal capital repayment method.
4. according to the method described in claim 4, it is characterized in that, the table of repayment schedule for the first time becomes when main element When change, repayment schedule table is regenerated.
5. the method according to claim 1, wherein in the step 3), when regenerating repayment schedule table When not being able to satisfy both sides and requiring, according to the repayment schedule that both sides negotiate, repayment schedule table is adjusted, new repayment schedule is regenerated Table.
6. according to the method described in claim 6, it is characterized in that, the adjustment repayment schedule table, is gone back according to adjustment The money phase time, each issue of refund capital, each issue of refund interest all recalculate, and regenerate repayment schedule table.
7. the method according to the description of claim 7 is characterized in that the derivation formula of described each issue of refund capital is as follows:
Each issue of the refund capital=refund total amount/total issue of the repayment of principal;
The refund interest derivation formula of described each issue is as follows:
Each issue of refund interest=current period refund capital * rate per diem * interest-bearing number of days;
Wherein: it is total that current period refund capital=loaning bill total amount-has gone back capital;
Rate per diem=Annual Percentage Rate/360;
Interest-bearing number of days=this repayment date-last time repayment date.
8. the device that a kind of customized repayment schedule table generates, which is characterized in that including main element storage module, for the first time refund Planning chart generation module and repayment schedule table adjust module;
The main element storage module be used for contract from date, the expiration of contract date, repayment date, loaning bill total amount, The storage of interest rate type, the data of calculating interest rate;
The table generation module of repayment schedule for the first time is used to generate default repayment schedule table according to main element;
The repayment schedule that the repayment schedule table adjustment module is used to be negotiated according to both sides, adjusts repayment schedule table, gives birth to again The repayment schedule table of Cheng Xin.
CN201811026529.5A 2018-09-04 2018-09-04 A kind of method and device that customized repayment schedule table generates Pending CN109102257A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
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Application Number Priority Date Filing Date Title
CN201811026529.5A CN109102257A (en) 2018-09-04 2018-09-04 A kind of method and device that customized repayment schedule table generates

Publications (1)

Publication Number Publication Date
CN109102257A true CN109102257A (en) 2018-12-28

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Country Status (1)

Country Link
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113760299A (en) * 2021-09-09 2021-12-07 吉林亿联银行股份有限公司 Repayment plan generating method and system

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361518A (en) * 2014-10-29 2015-02-18 中国建设银行股份有限公司 Data processing method and device
CN106952156A (en) * 2017-03-08 2017-07-14 中国银行股份有限公司 The generation method and device of a kind of installment reimbursement plan
CN107945007A (en) * 2017-11-17 2018-04-20 中国银行股份有限公司 Data processing method, device, electronic equipment and storage medium

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361518A (en) * 2014-10-29 2015-02-18 中国建设银行股份有限公司 Data processing method and device
CN106952156A (en) * 2017-03-08 2017-07-14 中国银行股份有限公司 The generation method and device of a kind of installment reimbursement plan
CN107945007A (en) * 2017-11-17 2018-04-20 中国银行股份有限公司 Data processing method, device, electronic equipment and storage medium

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113760299A (en) * 2021-09-09 2021-12-07 吉林亿联银行股份有限公司 Repayment plan generating method and system

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Application publication date: 20181228