nxxmdata/bank-backend/models/LoanApplication.js

/**
 * 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;