296 lines
8.9 KiB
JavaScript
296 lines
8.9 KiB
JavaScript
/**
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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:
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"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:
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"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:
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"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:
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"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 (
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RESULT_CODE_MAP[code] || {
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text: "未知状态",
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description:
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"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、外部业务进行个人风险过滤。",
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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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/**
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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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