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achais/fintech
==============

💰一个帮助你计算金融产品兑付明细的扩展包

v1.0.2(7y ago)9763MITPHPPHP >=7.0.0

Since Jan 10Pushed 5y ago1 watchersCompare

[ Source](https://github.com/achais/fintech)[ Packagist](https://packagist.org/packages/achais/fintech)[ RSS](/packages/achais-fintech/feed)WikiDiscussions master Synced 2d ago

READMEChangelog (3)Dependencies (3)Versions (4)Used By (0)

 FinTech
=========

[](#-fintech-)

 💰一个帮助你计算金融产品兑付明细的扩展包

[![Build Status](https://camo.githubusercontent.com/755e9b2e96dc029f2d0eb4d1fa5d943842294b05393b66cc76c25de0e0206e90/68747470733a2f2f7472617669732d63692e6f72672f6163686169732f66696e746563682e7376673f6272616e63683d6d6173746572)](https://travis-ci.org/achais/fintech)[![Build Status](https://camo.githubusercontent.com/fce48097e962e31d2ebc94a2a781e5eef1627109d454c141f2d3414bbbefe151/68747470733a2f2f6769746875622e7374796c6563692e696f2f7265706f732f3136353031353733312f736869656c64)](https://camo.githubusercontent.com/fce48097e962e31d2ebc94a2a781e5eef1627109d454c141f2d3414bbbefe151/68747470733a2f2f6769746875622e7374796c6563692e696f2f7265706f732f3136353031353733312f736869656c64)

介绍
--

[](#介绍)

#### 目前支持的兑付方式

[](#目前支持的兑付方式)

- 自然月度付息，到期还本
- 自然季度付息，到期还本
- 自然半年度付息，到期还本
- 自然年度付息，到期还本
- 月度付息，到期还本
- 季度付息，到期还本
- 半年度付息，到期还本
- 年度付息，到期还本
- 到期本息
- 指定日期付息，到期还本 (年度付息)

环境要求
----

[](#环境要求)

- PHP >= 7.0.0

安装
--

[](#安装)

```
$ composer require "achais/fintech:dev-master" -vvv
```

使用
--

[](#使用)

#### 获取产品兑付时间列表

[](#获取产品兑付时间列表)

```
use Carbon\Carbon;
use Achais\FinTech\Product;

// ====== 产品属性 ======

$rate = 8.0; // 利率
$loanTerm = 24; // 产品期限
$termType = Product::TERM_TYPE_MONTH; // 期限类型(月)
$foundDate = Carbon::make('2019-07-08'); // 产品成立时间
$repayMode = Product::REPAY_MODE_NATURAL_QUARTER; // 兑付方式(自然季度付息, 到期还本)
$repayDay = 20; // 指定兑付日

$product = new Product(); // 实例化产品
$product->init($rate, $loanTerm, $repayMode, $foundDate, $termType, $repayDay); // 初始化属性

// ====== 业务 ======

$timeline = $product->generateRepaymentTimeline(); // 生成兑付时间表

foreach ($timeline as $pointTime) {
    printf($pointTime->toDateString() . PHP_EOL);
}
```

输出内容

```
2019-09-20 00:00:00
2019-12-20 00:00:00
2020-03-20 00:00:00
2020-06-20 00:00:00
2020-09-20 00:00:00
2020-12-20 00:00:00
2021-03-20 00:00:00
2021-06-20 00:00:00
2021-07-08 00:00:00

```

#### 获取认购产品兑付明细

[](#获取认购产品兑付明细)

```
use Carbon\Carbon;
use Achais\FinTech\Calculator;
use Achais\FinTech\Investment;
use Achais\FinTech\Product;

// ====== 产品属性 ======

$rate = 8.0; // 利率
$loanTerm = 24; // 产品期限
$termType = Product::TERM_TYPE_MONTH; // 期限类型(月)
$foundDate = Carbon::make('2019-07-08'); // 产品成立时间
$repayMode = Product::REPAY_MODE_NATURAL_QUARTER; // 兑付方式(自然季度付息, 到期还本)
$repayDay = 20; // 指定兑付日 (仅对自然xx兑付方式有效)
$repayMonth = 6; // 指定兑付月 (仅对自然xx兑付方式有效)
$advanceInterest = true; // 是否 T+N 日起息 (默认为产品成立日起息)

$product = new Product(); // 实例化产品对象
$product->init($rate, $loanTerm, $repayMode, $foundDate, $termType, $repayDay, $repayMonth, $advanceInterest); // 初始化产品属性

// ====== 认购属性 ======

$investDateTime = Carbon::make('2019-07-05 12:00:00'); // 认购时间
$amount = 10000; // 认购金额
$investment = new Investment($investDateTime, $amount); // 实例化认购对象

// ====== 业务 ======

$calculator = new Calculator($product); // 实例化计算器对象(注入产品)
$repaymentList = $calculator->getRepaymentList($investment); //获取兑付列表(注入认购对象)

print_r(PHP_EOL);
print_r('产品成立时间: ' . $product->getFoundDate() . PHP_EOL);
print_r('产品到期时间: ' . $product->getEndDate() . PHP_EOL);
print_r('产品实际天数: ' . $product->getLoanTermDays() . PHP_EOL);
print_r('产品利率: ' . $product->getRate() . '%' . PHP_EOL);
print_r('产品兑付方式: ' . $product->getRepayModeName() . PHP_EOL);
print_r('是否次日起息: ' . ($product->getAdvanceInterest() ? '是' : '否')  . PHP_EOL);
print_r('指定兑付月: ' . $product->getRepayMonth() . PHP_EOL);
print_r('指定兑付日: ' . $product->getRepayDay() . PHP_EOL);

printf(PHP_EOL);
printf('认购金额: %s' . PHP_EOL, $investment->getAmount());
printf('认购时间: %s' . PHP_EOL, $investment->getInvestDateTime()->toDateTimeString());
printf(PHP_EOL);

foreach ($repaymentList as $repayment) {
    printf('兑付时间点: %s | 计息天数: %s | 兑付利息: %s | 加息天数: %s | 加息金额: %s | 本金: %s | 总金额: %s' . PHP_EOL,
        $repayment->getRepaymentDate(),
        $repayment->getDays(),
        $repayment->getRepaymentInterest(),
        $repayment->getExtraDays(),
        $repayment->getExtraRepaymentInterest(),
        $repayment->getRepaymentInvestmentAmount(),
        $repayment->getTotalRepaymentAmount()
    );
}
```

输出内容

```
产品成立时间: 2019-07-08 00:00:00
产品到期时间: 2021-07-08 00:00:00
产品实际天数: 731
产品利率: 8%
产品兑付方式: 自然季度付息，到期还本
是否次日起息: 是
指定兑付月: 0
指定兑付日: 20

认购金额: 10000
认购时间: 2019-07-05 12:00:00

兑付时间点: 2019-09-20 00:00:00 | 计息天数: 74 | 兑付利息: 162.19 | 加息天数: 2 | 加息金额: 4.38 | 本金: 0 | 总金额: 166.57
兑付时间点: 2019-12-20 00:00:00 | 计息天数: 91 | 兑付利息: 199.45 | 加息天数: 0 | 加息金额: 0 | 本金: 0 | 总金额: 199.45
兑付时间点: 2020-03-20 00:00:00 | 计息天数: 91 | 兑付利息: 199.45 | 加息天数: 0 | 加息金额: 0 | 本金: 0 | 总金额: 199.45
兑付时间点: 2020-06-20 00:00:00 | 计息天数: 92 | 兑付利息: 201.64 | 加息天数: 0 | 加息金额: 0 | 本金: 0 | 总金额: 201.64
兑付时间点: 2020-09-20 00:00:00 | 计息天数: 92 | 兑付利息: 201.64 | 加息天数: 0 | 加息金额: 0 | 本金: 0 | 总金额: 201.64
兑付时间点: 2020-12-20 00:00:00 | 计息天数: 91 | 兑付利息: 199.45 | 加息天数: 0 | 加息金额: 0 | 本金: 0 | 总金额: 199.45
兑付时间点: 2021-03-20 00:00:00 | 计息天数: 90 | 兑付利息: 197.26 | 加息天数: 0 | 加息金额: 0 | 本金: 0 | 总金额: 197.26
兑付时间点: 2021-06-20 00:00:00 | 计息天数: 92 | 兑付利息: 201.64 | 加息天数: 0 | 加息金额: 0 | 本金: 0 | 总金额: 201.64
兑付时间点: 2021-07-08 00:00:00 | 计息天数: 18 | 兑付利息: 39.45 | 加息天数: 0 | 加息金额: 0 | 本金: 10000 | 总金额: 10039.45

```

License
-------

[](#license)

MIT

###  Health Score

28

—

LowBetter than 54% of packages

Maintenance20

Infrequent updates — may be unmaintained

Popularity17

Limited adoption so far

Community6

Small or concentrated contributor base

Maturity58

Maturing project, gaining track record

How is this calculated?**Maintenance (25%)** — Last commit recency, latest release date, and issue-to-star ratio. Uses a 2-year decay window.

**Popularity (30%)** — Total and monthly downloads, GitHub stars, and forks. Logarithmic scaling prevents top-heavy scores.

**Community (15%)** — Contributors, dependents, forks, watchers, and maintainers. Measures real ecosystem engagement.

**Maturity (30%)** — Project age, version count, PHP version support, and release stability.

###  Release Activity

Cadence

Every ~0 days

Total

3

Last Release

2681d ago

PHP version history (2 changes)v1.0PHP >=5.6

v1.0.1PHP >=7.0.0

### Community

Maintainers

![](https://avatars.githubusercontent.com/u/7384071?v=4)[起风](/maintainers/achais)[@achais](https://github.com/achais)

---

Tags

fintechinvestmentrepayment

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![Health badge](/badges/achais-fintech/health.svg)

```
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```

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