guarantee-admin-api-v0.2/Modules/Rating/RatingImpl.py

import os
import time

from DBHelper.MongoHelperInstance import DB_GUA
from Modules.Models.FinancialIndicatorsModel import FinancialIndicatorsModel
from Modules.Models.ScoreAndRankModel import CreditIndexScore, ScoreAndRankModel, refs
from Modules.Rating.RatingObjects import RatingRecord
from Modules.Rating.RatingUtils import RatingUtils
from Modules.Reports.ReportDataModel import ReportDataModel
from Modules.Reports.ReportPathImpl import get_gen_report_path
from Modules.Reports.ReportPdfImpl import ReportGenerator
from Utils.CommonUtil import sub_dict
from Utils.ErrorUtil import APIReturnError
from Utils.ScoreUtils import ScoreUtils


class RatingImpl(object):

    @staticmethod
    def before_create(**kwargs):
        """新建评级前检查"""
        cid = kwargs["cid"]
        RatingUtils.check_cid_legal(kwargs["cid"])
        rating_info = RatingUtils.in_progress_rating(cid)

        if rating_info:
            item = DB_GUA.find_single_data(
                "评级数据",
                "评级记录",
                {"评级ID": rating_info["评级ID"]},
                ["企业名称", "报告期"]
            )
            return_data = dict()
            return_data["企业名称"] = item["企业名称"]
            return_data["报告期"] = item["报告期"]
        else:
            items = DB_GUA.find_all_data_with_single_sort(
                "企业数据",
                "财务数据",
                {"企业ID": cid},
                ["企业名称", "报告期"],
                {"报告期": -1}
            )
            report_dates = list()
            for item in items:
                if item["报告期"][5:] == "12-31":
                    report_dates.append(item["报告期"])
            # report_dates = report_dates[:1]
            return_data = dict()
            return_data["企业名称"] = items[0]["企业名称"]
            return_data["报告期"] = report_dates

        return return_data

    @staticmethod
    def create(**kwargs):
        """新建评级"""

        cid = kwargs["cid"]
        report_date = kwargs["report_date"]

        existed_rating = RatingUtils.in_progress_rating(cid)

        # 继续评级
        if existed_rating:
            return existed_rating, "继续评级"

        # 开始评级
        else:
            business_info = DB_GUA.find_single_data(
                "企业数据",
                "工商信息",
                {"企业ID": cid},
                ["企业名称", "所在省份", "所在城市"]
            )

            rating_record = RatingRecord()
            rating_record.rid = RatingUtils.make_new_rid()
            rating_record.report_date = report_date
            rating_record.status = "进行"
            rating_record.cid = cid
            rating_record.company_name = business_info["企业名称"]
            rating_record.province = business_info["所在省份"]
            rating_record.city = business_info["所在城市"]

            DB_GUA.insert_single_data(
                "评级数据",
                "评级记录",
                rating_record.fields_toggle()
            )

        return rating_record.fields_toggle(fields=["rid", "cid", "company_name", "report_date"]), "开始评级"

    @staticmethod
    def financial_analysis(**kwargs):
        """财务分析"""

        rid = kwargs['rid']
        cid = kwargs['cid']
        report_date = kwargs['report_date']

        paid_capital = DB_GUA.find_single_column(
            "企业数据",
            "工商信息",
            {"企业ID": cid},
            "实缴资本（万元）"
        )

        curr_financial_report = DB_GUA.find_single_data(
            "企业数据",
            "财务数据",
            {"企业ID": cid, "报告期": report_date},
            ["资产负债表", "利润表", "补充数据表"]
        )

        last_financial_report = DB_GUA.find_single_data(
            "企业数据",
            "财务数据",
            {"企业ID": cid, "报告期": RatingUtils.last_report_date(report_date)},
            ["资产负债表", "利润表", "补充数据表"]
        )

        if not paid_capital or not curr_financial_report or not last_financial_report:
            raise APIReturnError("请求失败; 原因: 财务数据缺失", 202)

        ba_c = curr_financial_report["资产负债表"]
        pr_c = curr_financial_report["利润表"]
        ap_c = curr_financial_report["补充数据表"]

        ba_l = last_financial_report["资产负债表"]
        pr_l = last_financial_report["利润表"]
        ap_l = last_financial_report["补充数据表"]

        model = FinancialIndicatorsModel()

        model.rid = rid
        model.cid = cid
        model.report_date = report_date

        model.eval_guaranteed_insured_balance_growth_rate(ap_c["担保在保余额"], ap_l["担保在保余额"])
        model.eval_guaranteed_revenue_growth_rate(ap_c["当期担保业务收入"], ap_c["上期担保业务收入"])
        model.eval_growth_rate_of_total_assets(ba_c["资产总计"], ba_l["资产总计"])
        model.eval_cash_assets_ratio(ba_c["流动资产"]["货币资金"], ba_c["非流动资产"]["可供出售金融资产"], ap_c["存出保证金"], ap_c["存入保证金"], ba_c["资产总计"])
        model.eval_current_ratio(ba_c["流动资产"]["流动资产合计"], ba_c["流动负债"]["流动负债合计"])
        model.eval_compensation_reserve_ratio(ap_c["当期代偿金额"], ap_c["未到期责任准备金"], ap_c["担保赔偿准备金"])
        model.eval_compensation_rate(ba_c["流动资产"]["货币资金"], ba_c["非流动资产"]["可供出售金融资产"], ap_c["存出保证金"], ap_c["存入保证金"], ap_c["最大被担保企业融资担保责任余额"])
        model.eval_risk_reserve_adequacy_ratio(ap_c["融资担保责任余额"], ap_c["担保赔偿准备金"], ap_c["未到期责任准备金"], ba_c["所有者权益"]["一般风险准备金"])
        model.eval_single_customer_concentration(ap_c["最大被担保企业融资担保责任余额"], ap_c["融资担保责任余额"])
        model.eval_current_guarantee_compensation_rate(ap_c["当期代偿金额"], ap_c["当期解除担保责任余额"])
        model.eval_current_compensation_recovery_rate(ap_c["当期代偿回收金额"], ap_c["当期代偿金额"])
        model.eval_financing_guarantee_magnification(ap_c["融资担保责任余额"], ba_c["所有者权益"]["所有者权益合计"])
        model.eval_industry_concentration(ap_c["最大单一行业融资担保责任余额"], ap_c["融资担保责任余额"])
        model.eval_return_total_assets(pr_c["净利润"], ba_l["资产总计"], ba_c["资产总计"])
        model.eval_operating_margin(pr_c["营业利润"], pr_c["投资收益"], pr_c["公允价值变动收益"], pr_c["营业总收入"])
        model.eval_roe(pr_c["净利润"], ba_c["所有者权益"]["所有者权益合计"], ba_l["所有者权益"]["所有者权益合计"])
        model.eval_actual_asset_liability_ratio(ba_c["负债合计"], ap_c["未到期责任准备金"], ap_c["担保赔偿准备金"], ba_c["资产总计"])
        model.eval_capital_adequacy_ratio(ba_c["所有者权益"]["所有者权益合计"], ap_c["风险加权资产"])
        model.eval_paid_capital(paid_capital)
        model.eval_guarantee_business_income(ap_c["当期担保业务收入"])
        model.eval_cumulative_guarantee_compensation_rate(ap_c["近三年累计代偿金额"], ap_c["近三年累计解除担保责任金额"])
        model.eval_cumulative_compensation_recovery_rate(ap_c["近三年累计代偿回收金额"], ap_c["近三年累计代偿金额"])
        model.eval_risk_coverage_ratio(ap_c["担保赔偿准备金"], ap_c["近三年累计代偿金额"])
        model.eval_cash_asset_compensation_rate(ba_c["流动资产"]["货币资金"], ba_c["非流动资产"]["可供出售金融资产"], ap_c["存出保证金"], ap_c["存入保证金"], ap_c["融资担保责任余额"])
        model.eval_margin_ratio(ap_c["存入保证金"], ap_c["存出保证金"])
        model.eval_proportion_investment_business_income(pr_c["投资收益"], pr_c["营业总收入"])
        model.eval_investment_income_growth_rate(pr_l["投资收益"], pr_c["投资收益"])
        model.eval_customer_concentration(ap_c["前五大被担保企业融资担保责任余额"], ap_c["融资担保责任余额"])
        model.eval_proportion_income_guarantee_business(ap_c["当期担保业务收入"], pr_c["营业总收入"])
        model.eval_one_proportion_class_assets(ap_c["I类资产"], ba_c["资产总计"], ba_c["流动资产"]["应收代偿款"])
        model.eval_two_proportion_class_assets(ap_c["II类资产"], ba_c["资产总计"], ba_c["流动资产"]["应收代偿款"])
        model.eval_three_proportion_class_assets(ap_c["III类资产"], ba_c["资产总计"], ba_c["流动资产"]["应收代偿款"])

        financial_indicators = model.fields_toggle()

        DB_GUA.upsert_single_data(
            "评级数据",
            "财务分析",
            {"评级ID": rid},
            financial_indicators
        )

        return_data = {
            "代偿能力": sub_dict(
                financial_indicators,
                [
                    "代偿保障率(%)",
                    "代偿准备金比率(%)",
                    "现金类资产比率(%)",
                    "风险准备金充足率(%)",
                    "流动比率(%)",
                    "现金类资产代偿保障率(%)",
                    "保证金比率(%)"
                ]
            ),
            "成长能力": sub_dict(
                financial_indicators,
                [
                    "担保在保余额增长率(%)",
                    "担保收入增长率(%)",
                    "资产总额增长率(%)"
                ]
            ),
            "担保资产质量": sub_dict(
                financial_indicators,
                [
                    "客户集中度(%)",
                    "单一客户集中度(%)",
                    "当期担保代偿率(%)",
                    "融资担保放大倍数(倍)",
                    "行业集中度(%)",
                    "当期代偿回收率(%)",
                    "近三年累计担保代偿率(%)",
                    "近三年累计代偿回收率(%)",
                    "风险覆盖率(%)"
                ]
            ),
            "企业规模": sub_dict(
                financial_indicators,
                [
                    "实收资本(亿元)",
                    "担保业务收入(万元)"
                ]
            ),
            "盈利能力": sub_dict(
                financial_indicators,
                [
                    "总资产收益率(%)",
                    "营业利润率(%)",
                    "净资产收益率(%)",
                    "投资业务收入占比(%)",
                    "投资收益增长率(%)",
                    "担保业务收入占比(%)"
                ]
            ),
            "资本结构": sub_dict(
                financial_indicators,
                [
                    "实际资产负债率(%)",
                    "资本充足率(%)",
                    "I类资产占比(%)",
                    "II类资产占比(%)",
                    "III类资产占比(%)"
                ]
            )
        }

        return return_data

    @staticmethod
    def risk_analysis(**kwargs):
        """风险分析"""

        cid = kwargs["cid"]
        report_date = kwargs["report_date"]

        item = DB_GUA.find_single_data(
            "企业数据",
            "风险信息",
            {"企业ID": cid, "报告期": report_date},
            ["失信被执行人", "被执行人", "终本案件", "限制消费令", "行政处罚", "法律诉讼(被告)"]
        )

        result = list()

        if item:
            for key in item:
                data = {
                    "风险因素": key,
                    "数量(近三年)": item[key],
                    "详情": "-"
                }
                result.append(data)
        return result

    @staticmethod
    def score_and_rank(**kwargs):

        rid = kwargs["rid"]

        rating_record = DB_GUA.find_single_data(
            "评级数据",
            "评级记录",
            {"评级ID": rid},
            ["企业ID", "报告期"]
        )

        if rating_record:
            cid = rating_record["企业ID"]
            report_date = rating_record["报告期"]
        else:
            raise APIReturnError("打分失败; 原因: 不存在此记录", 202)

        indicators = DB_GUA.find_single_data(
            "评级数据",
            "财务分析",
            {"评级ID": rid},
            [
                "代偿保障率(%)", "代偿准备金比率(%)", "现金类资产比率(%)", "风险准备金充足率(%)",
                "流动比率(%)", "担保在保余额增长率(%)", "担保收入增长率(%)", "资产总额增长率(%)",
                "单一客户集中度(%)", "当期担保代偿率(%)", "融资担保放大倍数(倍)", "行业集中度(%)",
                "当期代偿回收率(%)", "实收资本(亿元)", "担保业务收入(万元)", "总资产收益率(%)",
                "营业利润率(%)", "净资产收益率(%)", "实际资产负债率(%)", "资本充足率(%)"
            ]
        )

        if not indicators:
            raise APIReturnError("打分失败; 原因: 不存在财务指标数据", 202)

        index_score = CreditIndexScore()

        index_score.score_compensation_rate(indicators["代偿保障率(%)"])
        index_score.score_compensation_reserve_ratio(indicators["代偿准备金比率(%)"])
        index_score.score_cash_assets_ratio(indicators["现金类资产比率(%)"])
        index_score.score_risk_reserve_adequacy_ratio(indicators["风险准备金充足率(%)"])
        index_score.score_current_ratio(indicators["流动比率(%)"])
        index_score.score_compensation()

        index_score.score_guaranteed_insured_balance_growth_rate(indicators["担保在保余额增长率(%)"])
        index_score.score_guaranteed_revenue_growth_rate(indicators["担保收入增长率(%)"])
        index_score.score_growth_rate_of_total_assets(indicators["资产总额增长率(%)"])
        index_score.score_growth_ability()

        index_score.score_single_customer_concentration(indicators["单一客户集中度(%)"])
        index_score.score_current_guarantee_compensation_rate(indicators["当期担保代偿率(%)"])
        index_score.score_financing_guarantee_magnification(indicators["融资担保放大倍数(倍)"])
        index_score.score_industry_concentration(indicators["行业集中度(%)"])
        index_score.score_current_compensation_recovery_rate(indicators["当期代偿回收率(%)"])
        index_score.score_guaranteed_asset_quality()

        index_score.score_paid_capital(indicators["实收资本(亿元)"])
        index_score.score_guarantee_business_income(indicators["担保业务收入(万元)"])
        index_score.score_enterprise_size()

        index_score.score_return_total_assets(indicators["总资产收益率(%)"])
        index_score.score_operating_margin(indicators["营业利润率(%)"])
        index_score.score_roe(indicators["净资产收益率(%)"])
        index_score.score_profitability()

        index_score.score_actual_asset_liability_ratio(indicators["实际资产负债率(%)"])
        index_score.score_capital_adequacy_ratio(indicators["资本充足率(%)"])
        index_score.score_capital_structure()

        dimension_score = sub_dict(index_score.fields_toggle(), ["代偿能力", "成长能力", "担保资产质量", "企业规模", "盈利能力", "资本结构"])
        total_score = round(sum(dimension_score.values()), 2)

        rank_level = ScoreUtils.eval_rank_level(total_score)

        score_rank_model = ScoreAndRankModel()
        score_rank_model.rid = kwargs["rid"]
        score_rank_model.cid = cid
        score_rank_model.report_date = report_date
        score_rank_model.rank_score = total_score
        score_rank_model.rank_level = rank_level
        score_rank_model.credit_index_score = index_score

        score_rank_data = score_rank_model.fields_toggle()

        DB_GUA.upsert_single_data(
            "评级数据",
            "得分级别",
            {"评级ID": rid},
            score_rank_data
        )

        dimensions = {
            "代偿能力": ["代偿保障率(%)", "代偿准备金比率(%)", "现金类资产比率(%)", "风险准备金充足率(%)", "流动比率(%)"],
            "成长能力": ["担保在保余额增长率(%)", "担保收入增长率(%)", "资产总额增长率(%)"],
            "担保资产质量": ["单一客户集中度(%)", "当期担保代偿率(%)", "融资担保放大倍数(倍)", "行业集中度(%)", "当期代偿回收率(%)"],
            "企业规模": ["实收资本(亿元)", "担保业务收入(万元)"],
            "盈利能力": ["总资产收益率(%)", "营业利润率(%)", "净资产收益率(%)"],
            "资本结构": ["实际资产负债率(%)", "资本充足率(%)"]
        }

        result = {
            "信用级别": score_rank_data["信用级别"],
            "信用得分": score_rank_data["信用得分"],
            "代偿能力": {"表格": [], "合计": dimension_score["代偿能力"]},
            "成长能力": {"表格": [], "合计": dimension_score["成长能力"]},
            "担保资产质量": {"表格": [], "合计": dimension_score["担保资产质量"]},
            "企业规模": {"表格": [], "合计": dimension_score["企业规模"]},
            "盈利能力": {"表格": [], "合计": dimension_score["盈利能力"]},
            "资本结构": {"表格": [], "合计": dimension_score["资本结构"]},
        }

        for dimension in dimensions:
            for i in dimensions[dimension]:
                data = {
                    "指标": i,
                    "数值": indicators[i],
                    "标准分": refs[i]["weight"],
                    "实际得分": score_rank_data["信用指标得分"][i]
                }
                result[dimension]["表格"].append(data)

        return result

    @staticmethod
    def report_data(**kwargs):

        rid = kwargs["rid"]

        record_item = DB_GUA.find_single_data(
            "评级数据",
            "评级记录",
            {"评级ID": rid},
            ["企业ID", "企业名称", "报告期"]
        )

        if not record_item:
            raise APIReturnError("该rid不存在", 202)

        cid = record_item["企业ID"]
        name = record_item["企业名称"]
        year = '{}年'.format(int(record_item["报告期"][:4])+1)
        industry = "货币金融服务"
        title = '{}-{}-主体信用评价报告'.format(year, name)

        model = ReportDataModel()
        result = model.mock_report_data(
            rid=rid,
            cid=cid,
            name=name,
            year=year,
            industry=industry,
            title=title
        )

        return result

    @staticmethod
    def edit_report_data(**kwargs):
        rid = kwargs['rid']
        content = kwargs['content']

        DB_GUA.update_single_data(
            '评级数据',
            '报告数据',
            {'评级ID': rid},
            {'报告内容': content, '生成日期': time.strftime('%Y-%m-%d', time.localtime())}
        )

    @staticmethod
    def report_file(**kwargs):

        rid = kwargs["rid"]

        record_item = DB_GUA.find_single_data(
            "评级数据",
            "报告数据",
            {"评级ID": rid},
            ["企业名称", "报告内容", "报告标题"]
        )

        if not record_item:
            raise APIReturnError("该rid不存在", 202)

        record_item['生成日期'] = time.strftime('%Y-%m-%d', time.localtime())
        report_file_name = '{}.pdf'.format(record_item['报告标题'])
        pdf_report = ReportGenerator(name=report_file_name, text_model=record_item)
        pdf_report.gen_report()
        file_id = DB_GUA.upsert_file(
            '评级数据',
            '报告PDF',
            report_file_name
        )

        DB_GUA.upsert_single_data(
            "评级数据",
            "评级记录",
            {"评级ID": rid},
            {"评级报告": file_id}
        )

        report_path = get_gen_report_path(name=report_file_name)
        os.remove(report_path)
        # 保存PDF报告成功，返回FileID;保存PDF报告文件失败，返回False
        return file_id if file_id else False

    @staticmethod
    def confirm(**kwargs):
        rid = kwargs["rid"]

        result = DB_GUA.find_single_data(
            "评级数据",
            "得分级别",
            {"评级ID": rid},
            ["信用得分", "信用级别"]
        )

        record = DB_GUA.find_single_data(
            "评级数据",
            "评级记录",
            {"评级ID": rid},
            ["企业名称", "评级ID", "企业ID", "评级报告"]
        )

        item = {
            "企业名称": record["企业名称"],
            "评级ID": record["评级ID"],
            "企业ID": record["企业ID"],
            "信用级别": result["信用级别"],
            "评级报告": "/admin/file/credit_report?file_id={}".format(record["评级报告"])
        }

        return item

    @staticmethod
    def submit(**kwargs):
        rid = kwargs["rid"]

        item = DB_GUA.find_single_data(
            "评级数据",
            "得分级别",
            {"评级ID": rid},
            ["信用得分", "信用级别"]
        )

        item["评级时间"] = time.strftime("%Y-%m-%d %H:%M:%S", time.localtime())
        item["评级状态"] = "完成"

        record = RatingRecord()
        record.set_instance(data=item)

        DB_GUA.update_single_data(
            "评级数据",
            "评级记录",
            {"评级ID": rid},
            record.fields_toggle()
        )

    @staticmethod
    def delete(**kwargs):
        """"""