addd

app/service/credit/blacklist.js

@@ -3,24 +3,230 @@
 
 const Service = require('egg').Service;
 const moment = require('moment');
+const RiskConfig = {
+    low: {
+        standard: '低',
+        msg: '您的风险指数较低，有利于机构对您的申贷评估，请继续保持良好的信用行为。',
+    },
+    medium: {
+        standard: '中',
+        msg: '您的风险指数中等，请合理申贷，保持良好还款习惯，避免申贷过多影响个人信用。',
+    },
+    high: {
+        standard: '高',
+        msg: '您的风险指数较高， 再次申贷容易被拒，建议3个月内不再申请贷款，并养成良好的还款习惯。',
+    },
+}
+const dtldConfig = {
+    null: '您最近6个月没有贷款记录，说明您是在自己的偿还范围内理性借贷，请继续保持。',
+    less: '您最近6个月很少进行贷款申请，说明您比较合理地利用和分配资金，有利于提高您的个人信用。',
+    medium: '您最近6个月有进行过贷款申请，说明您有资金需求，请您合理使用资金，并及时还款，有利于维护您的个人信用。',
+    more: '您最近6个月网贷申请次数与平台较多，已严重超过平均水平，存在多头共债风险，被拒概率极高。建议您在3个月内申请贷款控制在10次以内。',
+}
 
 class BlacklistService extends Service {
 
-
-
     /**
      * 黑名单报告
      */
     async getReport() {
         const { ctx } = this;
         let ret = {
-            test: 132
+            basic: {
+                risk_index: '10%',
+                risk_standard: '低',
+                msg: '您的风险指数较低，有利于机构对您的申贷评估，请继续保持良好的信用行为。',
+                name: '李鑫',
+                report_no: '9527',
+                phone: '183****5747',
+                age: '21',
+                id_card: '5101**********4311',
+                city: '浙江-杭州',
+                expire_time: '2019-010-30',
+            },
+            blacklist: {
+                blacklist_of_internet_loans: 1,//是否命中网贷黑名单
+                blacklist_of_court_dishonesty: 1,//是否命中法院失信名单
+                blacklist_of_industry: 1,//是否命中行业黑名单
+                blacklist_of_ds_industry: 1,//是否命中电商行业黑名单
+                blacklist_of_bx_industry: 1,//是否命中保险行业黑名单
+                blacklist_of_zc_industry: 1,//是否命中租车行业黑名单
+                blacklist_of_zf_industry: 1,//是否命中三方支付行业黑名单
+                blacklist_of_jd_industry: 1,//是否命中酒店行业黑名单             
+            },
+            dtld: {
+                reg_count_1month: 8,//近1月注册笔数
+                reg_count_3month: 8,//近3月注册笔数
+                reg_count_6month: 8,//近6月注册笔数
+                consume_reg_count_1month: 8,//近1月消金机构注册笔数
+                consume_reg_count_3month: 8,//近3月消金机构注册笔数
+                consume_reg_count_6month: 8,//近6月消金机构注册笔数
+                loan_reg_count_1month: 8,//近1月网贷机构注册笔数
+                loan_reg_count_3month: 8,//近3月网贷机构注册笔数
+                loan_reg_count_6month: 8,//近6月网贷机构注册笔数
+                consume_reg_platform_count_1month: 8,//近1月注册消金机构数
+                consume_reg_platform_count_3month: 8,//近3月注册消金机构数
+                consume_reg_platform_count_6month: 8,//近6月注册消金机构数
+                loan_reg_platform_count_1month: 8,//近1月注册网贷机构数
+                loan_reg_platform_count_3month: 8,//近3月注册网贷机构数
+                loan_reg_platform_count_6month: 8,//近6月注册网贷机构数
+                reg_platform_count_1month: 8,//近1月注册机构数
+                reg_platform_count_3month: 8,//近3月注册机构数
+                reg_platform_count_6month: 8,//近6月注册机构数
+                credit_count_1month: 8,//近1月放款笔数
+                credit_count_3month: 8,//近3月放款笔数
+                credit_count_6month: 8,//近6月放款笔数
+                credit_amount_1month: 8,//近1月放款金额
+                credit_amount_3month: 8,//近3月放款金额
+                credit_amount_6month: 8,//近6月放款金额
+                credit_closed_count_1month: 8,//近1月已结清放款笔数
+                credit_closed_count_3month: 8,//近3月已结清放款笔数
+                credit_closed_count_6month: 8,//近6月已结清放款笔数
+                credit_closed_amount_1month: 8,//近1月已结清放款金额
+                credit_closed_amount_3month: 8,//近3月已结清放款金额
+                credit_closed_amount_6month: 8,//近6月已结清放款金额
+                consume_credit_count_1month: 8,//近1月消金机构放款笔数
+                consume_credit_count_3month: 8,//近3月消金机构放款笔数
+                consume_credit_count_6month: 8,//近6月消金机构放款笔数
+                loan_credit_count_1month: 8,//近1月网贷机构放款笔数
+                loan_credit_count_3month: 8,//近3月网贷机构放款笔数
+                loan_credit_count_6month: 8,//近6月网贷机构放款笔数
+                consume_credit_platform_count_1month: 8,//近1月放款消金机构数
+                consume_credit_platform_count_3month: 8,//近3月放款消金机构数
+                consume_credit_platform_count_6month: 8,//近6月放款消金机构数
+                loan_credit_platform_count_1month: 8,//近1月放款网贷机构数
+                loan_credit_platform_count_3month: 8,//近3月放款网贷机构数
+                loan_credit_platform_count_6month: 8,//近6月放款网贷机构数
+                credit_platform_count_1month: 8,//近1月放款机构数
+                credit_platform_count_3month: 8,//近3月放款机构数
+                credit_platform_count_6month: 8,//近6月放款机构数
+                msg: '您最近很少进行贷款申请，说明您比较合理地利用和分配资金，有利于提高您的个人信用。',
+            },
+            overdue: {//逾期详情
+                list: [
+                    {
+                        overdue_date: '2019-07',//逾期时间    
+                        overdue_amount: 5000,//逾期金额    
+                        overdue_time: '30-60天',//逾期时长    
+                        is_settle: '是',//是否已经结清
+                    },
+                    {
+                        overdue_date: '2019-07',//逾期时间    
+                        overdue_amount: 5000,//逾期金额    
+                        overdue_time: '30-60天',//逾期时长    
+                        is_settle: '是',//是否已经结清
+                    },
+                ],
+                msg: '解读：您存在逾期，请尽快偿还，否则将影响继续申贷。',
+            },
+            six_months: {//近6个月关联风险
+                id_card_relevant: {//身份关联风险
+                    id_card_relevant_mobilephone_count: 1,//身份证关联手机号   
+                    id_card_relevant_device_count: 1,//身份证关联设备号   
+                    mobilephone_relevant_id_card_count: 1,//手机号关联身份证 
+                    msg: '您的身份证暂无关联风险，请继续保持良好的信用行为，保护好您的身份信息，不要轻易将身份证借用给他人。',
+                },
+                mobilephone_relecvant: {//设备关联风险
+                    relevant_loan_app_count_6month: 1,//近6月关联的信贷app个数  
+                    relevant_gamble_app_count_6month: 1,//近6月关联的赌博app个数  
+                    relevant_ip_app_count_6month: 1,//近6月关联的代理ip或篡改gps的app个数 
+                    relevant_other_app_count_6month: 1,//近6月关联的其他app个数                     
+                    msg: '您的设备关联的赌博类APP占比较高，建议合理使用APP，并删除不常使用的APP，以免影响申贷通过率。',
+                }
+            }
         };
+
+        //风险分值计算
+        let blacklistScore = (ret.blacklist.blacklist_of_internet_loans === 1 || ret.blacklist.blacklist_of_court_dishonesty === 1) ? 40 : (ret.blacklist.blacklist_of_industry === 1 ? 30 : 0);
+        let dtScore = await this.getDtScore(ret.dtld.reg_count_6month, ret.dtld.credit_count_6month);
+        let idScore = await this.getIdCardScore(ret.six_months.id_card_relevant.id_card_relevant_mobilephone_count, ret.six_months.id_card_relevant.mobilephone_relevant_id_card_count);
+        let appScore = (ret.six_months.mobilephone_relecvant.relevant_ip_app_count_6month > 1 || ret.six_months.mobilephone_relecvant.relevant_gamble_app_count_6month > 1) ? 10 : 0;
+        ret.basic.risk_index = blacklistScore + dtScore + idScore + appScore;
+        //风险标准计算
+        let riskLevel = 'low';
+        if (ret.blacklist_of_internet_loans === 1 || ret.blacklist_of_court_dishonesty === 1 || ret.basic.risk_index >= 50 || dtScore === 30) {
+            riskLevel = 'high';
+        } else if (ret.basic.risk_index >= 20 && ret.basic.risk_index < 50) {
+            riskLevel = 'medium';
+        } else {
+            riskLevel = 'low';
+        }
+        ret.basic.risk_index += '%';
+        ret.basic.risk_standard = RiskConfig[riskLevel].standard;
+        ret.basic.msg = RiskConfig[riskLevel].msg;
+
+        //多头雷达msg
+        let dtldLevel = null;
+        if (dtScore > 20) {
+            dtldLevel = 'high';
+        } else if (dtScore > 10) {
+            dtldLevel = 'medium';
+        } else if (dtScore > 0) {
+            dtScore = 'low';
+        } else {
+            dtldLevel = 'null';
+        }
+        ret.dtld.msg = dtldConfig[dtldLevel];
+
+
         return ret;
     }
 
+    /**
+     * 获取多头借贷的分值
+     * @param {*} a 近6月消金机构注册笔数
+     * @param {*} b 近6月放款笔数
+     */
+    async getDtScore(a, b) {
+        let aScore = 0;
+        let bScore = 0;
+        if (a > 30) {
+            aScore = 30;
+        } else if (a > 15) {
+            aScore = 20;
+        } else if (a > 5) {
+            aScore = 10;
+        } else {
+            aScore = 0;
+        }
+        if (b > 30) {
+            bScore = 30;
+        } else if (b > 7) {
+            bScore = 20;
+        } else if (b > 3) {
+            bScore = 10;
+        } else {
+            bScore = 0;
+        }
+        let score = aScore >= bScore ? aScore : bScore;
+        return score;
+    }
 
-
+    /**
+     * 
+     * @param {*} a 身份证关联手机号个数
+     * @param {*} b 手机号关联身份证个数
+     */
+    async getIdCardScore(a, b) {
+        let aScore = 0;
+        let bScore = 0;
+        if (a >= 3) {
+            aScore = parseInt(a * 3) > 20 ? 20 : parseInt(a * 3);
+        } else if (a > 1) {
+            aScore = 5;
+        } else {
+            aScore = 0;
+        }
+        if (b >= 3) {
+            bScore = parseInt(b * 3) > 20 ? 20 : parseInt(b * 3);
+        } else if (b > 1) {
+            bScore = 5;
+        } else {
+            bScore = 0;
+        }
+        let score = (aScore + bScore) > 20 ? 20 : (aScore + bScore);
+        return score;
+    }
 
 
 }