添加银行端后端接口

bank-backend/models/LoanApplication.js

@@ -0,0 +1,194 @@
+/**
+ * 贷款申请模型
+ * @file LoanApplication.js
+ * @description 银行系统贷款申请数据模型
+ */
+const { DataTypes } = require('sequelize');
+const BaseModel = require('./BaseModel');
+
+class LoanApplication extends BaseModel {
+  /**
+   * 获取申请状态文本
+   * @returns {String} 状态文本
+   */
+  getStatusText() {
+    const statusMap = {
+      pending_review: '待初审',
+      verification_pending: '核验待放款',
+      pending_binding: '待绑定',
+      approved: '已通过',
+      rejected: '已拒绝'
+    };
+    return statusMap[this.status] || this.status;
+  }
+
+  /**
+   * 获取申请类型文本
+   * @returns {String} 类型文本
+   */
+  getTypeText() {
+    const typeMap = {
+      personal: '个人贷款',
+      business: '企业贷款',
+      mortgage: '抵押贷款'
+    };
+    return typeMap[this.type] || this.type;
+  }
+
+  /**
+   * 格式化申请金额
+   * @returns {String} 格式化后的金额
+   */
+  getFormattedAmount() {
+    return `${this.amount.toFixed(2)}元`;
+  }
+}
+
+// 初始化LoanApplication模型
+LoanApplication.init({
+  id: {
+    type: DataTypes.INTEGER,
+    primaryKey: true,
+    autoIncrement: true
+  },
+  applicationNumber: {
+    type: DataTypes.STRING(50),
+    allowNull: false,
+    unique: true,
+    comment: '申请单号'
+  },
+  productName: {
+    type: DataTypes.STRING(200),
+    allowNull: false,
+    comment: '贷款产品名称'
+  },
+  farmerName: {
+    type: DataTypes.STRING(100),
+    allowNull: false,
+    comment: '申请养殖户姓名'
+  },
+  borrowerName: {
+    type: DataTypes.STRING(100),
+    allowNull: false,
+    comment: '贷款人姓名'
+  },
+  borrowerIdNumber: {
+    type: DataTypes.STRING(20),
+    allowNull: false,
+    comment: '贷款人身份证号'
+  },
+  assetType: {
+    type: DataTypes.STRING(50),
+    allowNull: false,
+    comment: '生资种类'
+  },
+  applicationQuantity: {
+    type: DataTypes.STRING(100),
+    allowNull: false,
+    comment: '申请数量'
+  },
+  amount: {
+    type: DataTypes.DECIMAL(15, 2),
+    allowNull: false,
+    comment: '申请额度'
+  },
+  status: {
+    type: DataTypes.ENUM(
+      'pending_review',
+      'verification_pending', 
+      'pending_binding',
+      'approved',
+      'rejected'
+    ),
+    allowNull: false,
+    defaultValue: 'pending_review',
+    comment: '申请状态'
+  },
+  type: {
+    type: DataTypes.ENUM('personal', 'business', 'mortgage'),
+    allowNull: false,
+    defaultValue: 'personal',
+    comment: '申请类型'
+  },
+  term: {
+    type: DataTypes.INTEGER,
+    allowNull: false,
+    comment: '申请期限（月）'
+  },
+  interestRate: {
+    type: DataTypes.DECIMAL(5, 2),
+    allowNull: false,
+    comment: '预计利率'
+  },
+  phone: {
+    type: DataTypes.STRING(20),
+    allowNull: false,
+    comment: '联系电话'
+  },
+  purpose: {
+    type: DataTypes.TEXT,
+    allowNull: true,
+    comment: '申请用途'
+  },
+  remark: {
+    type: DataTypes.TEXT,
+    allowNull: true,
+    comment: '备注'
+  },
+  applicationTime: {
+    type: DataTypes.DATE,
+    allowNull: false,
+    defaultValue: DataTypes.NOW,
+    comment: '申请时间'
+  },
+  approvedTime: {
+    type: DataTypes.DATE,
+    allowNull: true,
+    comment: '审批通过时间'
+  },
+  rejectedTime: {
+    type: DataTypes.DATE,
+    allowNull: true,
+    comment: '审批拒绝时间'
+  },
+  approvedBy: {
+    type: DataTypes.INTEGER,
+    allowNull: true,
+    comment: '审批人ID'
+  },
+  rejectedBy: {
+    type: DataTypes.INTEGER,
+    allowNull: true,
+    comment: '拒绝人ID'
+  },
+  rejectionReason: {
+    type: DataTypes.TEXT,
+    allowNull: true,
+    comment: '拒绝原因'
+  }
+}, {
+  sequelize: require('../config/database').sequelize,
+  modelName: 'LoanApplication',
+  tableName: 'bank_loan_applications',
+  timestamps: true,
+  createdAt: 'createdAt',
+  updatedAt: 'updatedAt',
+  hooks: {
+    beforeCreate: (application) => {
+      // 生成申请单号
+      if (!application.applicationNumber) {
+        const now = new Date();
+        const timestamp = now.getFullYear().toString() +
+          (now.getMonth() + 1).toString().padStart(2, '0') +
+          now.getDate().toString().padStart(2, '0') +
+          now.getHours().toString().padStart(2, '0') +
+          now.getMinutes().toString().padStart(2, '0') +
+          now.getSeconds().toString().padStart(2, '0');
+        const random = Math.floor(Math.random() * 1000).toString().padStart(3, '0');
+        application.applicationNumber = timestamp + random;
+      }
+    }
+  }
+});
+
+module.exports = LoanApplication;