289 lines
8.2 KiB
JavaScript
289 lines
8.2 KiB
JavaScript
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/**
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* 信贷表现工具函数
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*/
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/**
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* 结果编码映射
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*/
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export const RESULT_CODE_MAP = {
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'1': {
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text: '用户最近一笔订单未结清',
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description: '通过模型计算展现该用户行为画像，用户最近一笔订单未结清，建议谨慎评估其信用状况和还款能力。',
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detail: '用户最近一笔订单未结清',
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color: 'text-red-500',
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level: 'high'
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},
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'2': {
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text: '用户订单结清情况良好',
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description: '通过模型计算展现该用户行为画像，多笔订单用户最近一笔订单已结清且历史所有订单均已结清，或单笔订单用户该订单发生时间在3个月之内且该订单结清，信贷表现良好。',
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detail: '多笔订单用户最近一笔订单已结清且历史所有订单均已结清，或单笔订单用户该订单发生时间在3个月之内且该订单结清',
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color: 'text-green-500',
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level: 'low'
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},
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'3': {
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text: '用户最近订单已结清，历史存在未结清订单',
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description: '通过模型计算展现该用户行为画像，用户最近一笔订单已结清，但历史存在未结清订单，建议关注其历史还款记录。',
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detail: '用户最近一笔订单已结清，但历史存在未结清订单',
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color: 'text-yellow-500',
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level: 'medium'
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},
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'4': {
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text: '用户数据不充分',
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description: '用户数据不充分无法展现该用户行为画像。建议通过其他征信渠道补充信息进行综合评估。',
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detail: '数据不充分',
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color: 'text-gray-500',
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level: 'unknown'
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}
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}
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/**
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* 金额区间映射（根据文档提供的区间）
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*/
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export const AMOUNT_RANGES = [
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'(1~1000]',
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'(1000~2000]',
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'(2000~3000]',
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'(3000~4000]',
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'(4000~6000]',
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'(6000~8000]',
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'(8000~10000]',
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'(10000~20000]',
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'(20000~40000]',
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'(40000~60000]',
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'(60000~80000]',
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'(80000~100000]',
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'(100000~150000]',
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'(150000~200000]',
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'(200000~250000]',
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'(250000~300000]',
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'(300000~350000]',
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'(350000~400000]',
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'(400000~450000]',
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'(450000~500000]',
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'(500000~550000]',
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'(550000~600000]',
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'(600000~650000]',
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'(650000~700000]',
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'(700000~750000]',
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'(750000~800000]',
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'(800000~850000]',
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'(850000~900000]',
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'(900000~950000]',
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'(950000~1000000]',
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'>1000000'
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]
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/**
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* 获取结果编码信息
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* @param {string} code - 结果编码
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* @returns {object} 结果编码信息
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*/
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export const getResultCodeInfo = (code) => {
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return RESULT_CODE_MAP[code] || {
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text: '未知状态',
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description: '信贷表现主要为企业在背景调查过程中探查用户近期信贷表现时提供参考，帮助企业对其内部员工、外部业务进行个人信用过滤。',
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color: 'text-gray-500',
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level: 'unknown'
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}
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}
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/**
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* 格式化金额区间
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* @param {string} amount - 金额区间字符串
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* @returns {string} 格式化后的金额区间
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*/
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export const formatAmountRange = (amount) => {
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if (!amount || amount === '0') {
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return '无记录'
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}
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// 处理标准区间格式，如 "1000-2000"
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if (amount.includes('-')) {
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const [min, max] = amount.split('-')
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return `${formatNumber(min)}元 - ${formatNumber(max)}元`
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}
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// 处理带括号的区间格式，如 "(1000~2000]"
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if (amount.includes('~')) {
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const cleanAmount = amount.replace(/[()[\]]/g, '')
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const [min, max] = cleanAmount.split('~')
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return `${formatNumber(min)}元 - ${formatNumber(max)}元`
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}
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// 处理大于某个值的格式，如 ">1000000"
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if (amount.startsWith('>')) {
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const value = amount.substring(1)
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return `大于 ${formatNumber(value)}元`
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}
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// 其他格式直接返回
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return amount
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}
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/**
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* 格式化天数区间
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* @param {string} days - 天数区间字符串
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* @returns {string} 格式化后的天数区间
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*/
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export const formatDaysRange = (days) => {
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if (!days || days === '0') {
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return '无记录'
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}
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// 处理区间格式，如 "1-15"
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if (days.includes('-')) {
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const [min, max] = days.split('-')
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return `${min}天 - ${max}天`
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}
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// 处理带括号的区间格式，如 "[1~15]"
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if (days.includes('~')) {
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const cleanDays = days.replace(/[()[\]]/g, '')
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const [min, max] = cleanDays.split('~')
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return `${min}天 - ${max}天`
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}
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return days + '天'
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}
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/**
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* 格式化时间
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* @param {string} time - 时间字符串
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* @returns {string} 格式化后的时间
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*/
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export const formatTime = (time) => {
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if (!time) {
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return '无记录'
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}
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// 处理 YYYY-MM 格式
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if (time.match(/^\d{4}-\d{2}$/)) {
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return time.replace('-', '年') + '月'
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}
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// 处理 YYYY-MM-DD 格式
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if (time.match(/^\d{4}-\d{2}-\d{2}$/)) {
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const [year, month, day] = time.split('-')
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return `${year}年${month}月${day}日`
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}
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return time
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}
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/**
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* 格式化数字，添加千分位分隔符
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* @param {string|number} num - 数字
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* @returns {string} 格式化后的数字
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*/
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export const formatNumber = (num) => {
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if (!num) return '0'
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const number = typeof num === 'string' ? parseFloat(num) : num
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if (isNaN(number)) return num
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return number.toLocaleString('zh-CN')
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}
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/**
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* 获取风险等级颜色类名
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* @param {string} level - 风险等级
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* @returns {string} CSS类名
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*/
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export const getRiskLevelClass = (level) => {
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const levelMap = {
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'high': 'text-red-500',
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'medium': 'text-yellow-500',
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'low': 'text-green-500',
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'unknown': 'text-gray-500'
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}
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return levelMap[level] || 'text-gray-500'
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}
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/**
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* 获取风险等级背景色类名
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* @param {string} level - 风险等级
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* @returns {string} CSS类名
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*/
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export const getRiskLevelBgClass = (level) => {
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const levelMap = {
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'high': 'bg-red-50 border-red-200',
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'medium': 'bg-yellow-50 border-yellow-200',
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'low': 'bg-green-50 border-green-200',
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'unknown': 'bg-gray-50 border-gray-200'
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}
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return levelMap[level] || 'bg-gray-50 border-gray-200'
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}
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/**
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* 生成信贷表现总结
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* @param {object} data - 信贷表现数据
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* @returns {object} 风险评估总结
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*/
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export const generateRiskSummary = (data) => {
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if (!data) {
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return {
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level: 'unknown',
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text: '无法获取数据进行风险评估',
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recommendations: ['建议通过其他渠道获取更多信息']
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}
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}
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const resultCode = data.result_code
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const codeInfo = getResultCodeInfo(resultCode)
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const currentlyOverdue = parseInt(data.currently_overdue) || 0
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const accExc = parseInt(data.acc_exc) || 0
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const accSleep = parseInt(data.acc_sleep) || 0
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let riskLevel = codeInfo.level
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let recommendations = []
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// 基于结果编码的建议
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switch (resultCode) {
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case '1': // 用户最近一笔订单未结清
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recommendations.push('用户最近一笔订单未结清，存在风险')
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recommendations.push('建议进一步核实原因和当前还款能力')
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recommendations.push('考虑要求提供担保或抵押措施')
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break
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case '2': // 用户订单结清情况良好
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recommendations.push('用户订单结清情况良好，信贷表现正常')
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recommendations.push('可以正常开展业务合作')
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recommendations.push('建议定期跟踪信用状况变化')
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break
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case '3': // 用户最近订单已结清，历史存在未结清订单
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recommendations.push('用户最近订单已结清，但历史存在未结清订单')
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recommendations.push('建议关注历史还款记录和还款意愿')
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recommendations.push('可考虑适当降低授信额度或增加风控措施')
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break
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case '4': // 用户数据不充分
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recommendations.push('用户数据不充分，无法完整评估行为画像')
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recommendations.push('建议通过其他征信渠道补充信息')
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recommendations.push('谨慎开展高风险业务，建议人工审核')
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break
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}
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// 基于其他指标的额外风险评估
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if (currentlyOverdue > 0) {
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riskLevel = 'high'
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recommendations.push(`当前有${currentlyOverdue}个机构逾期，风险较高`)
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}
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if (accExc > 2) {
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if (riskLevel !== 'high') riskLevel = 'medium'
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recommendations.push(`存在${accExc}个异常还款机构，需要关注`)
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}
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if (accSleep > 10) {
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recommendations.push(`有${accSleep}个睡眠机构，信贷活跃度偏低`)
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}
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return {
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level: riskLevel,
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text: codeInfo.description,
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recommendations: recommendations
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}
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}
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