read_pdf_plt/hst_rule_set.py

import json

def null2Zero(value):
    if value == None:
        return 0
    else:
        return float(value)


def callLocal(businessInfo):
    jsonData = json.loads(businessInfo['result'])
    loanInfo = jsonData['贷款信息']
    badDebtsInfo = jsonData['呆账信息汇总']
    parsePayRcdStatus = jsonData['24期还款状态']
    creditInfo = jsonData['贷记卡账户']
    creditandloanSum=jsonData['信贷交易授信及负债信息概要']
    querySum=jsonData['查询记录汇总']
    newcreditInfo=jsonData['开户数']
    queryDetail=jsonData['信贷审批查询记录明细']
    useRate=jsonData['使用率']
    publicInfo=jsonData['公共信息概要']
    specialInfo=jsonData['特殊交易']
    creditoverdueInfo=jsonData['信贷交易违约信息概要']
    creditTradeInfo=jsonData['信贷交易信息提示']
    data1=jsonData['逾期（透支）信息汇总']
    hsz_data=jsonData['慧算账新增']

    #信息过少
    if null2Zero(creditTradeInfo['个人住房贷款账户数'])+null2Zero(creditTradeInfo['个人商用房贷款（包括商住两用）账户数'])+\
        null2Zero(creditTradeInfo['其他类贷款账户数'])+null2Zero(creditTradeInfo['贷记卡账户数'])==0:
        return {"approveResult":'0',"rule":'F1'}
    # 贷记卡逾期
    elif null2Zero(creditInfo['当前贷记卡最大逾期金额'])>=500:
        return {"approveResult":'0',"rule":'A1'}
    elif null2Zero(parsePayRcdStatus['贷记卡账户近3月逾期期数大于或等于“1”的次数'])>0:
        return {"approveResult":'0',"rule":'A2'}
    elif null2Zero(parsePayRcdStatus['贷记卡账户近6月逾期期数大于或等于“1”的次数'])>1:
        return {"approveResult":'0',"rule":'A3'}
    elif null2Zero(parsePayRcdStatus['贷记卡账户近12月逾期期数大于或等于“1”的次数'])>3:
        return {"approveResult": '0', "rule": 'A4'}
    elif null2Zero(creditInfo['最近12个月贷记卡最大连续逾期月份数'])>1:
        return {"approveResult": '0', "rule": 'A5'}
    elif null2Zero(creditInfo['近24月贷记卡最大逾期期数'])>1 and (null2Zero(parsePayRcdStatus['贷记卡账户近12月逾期期数大于或等于“1”的次数'])>0 \
        or null2Zero(creditInfo['贷记卡24期还款记录次数'])<20):
        return {"approveResult": '0', "rule": 'A6'}
    elif null2Zero(parsePayRcdStatus['贷记卡账户近24月逾期期数大于或等于“3”的次数'])>0:
        return {"approveResult": '0', "rule": 'A7'}
    elif null2Zero(parsePayRcdStatus['贷记卡账户近6月逾期期数大于或等于“1”的次数'])>0 and null2Zero(creditInfo['贷记卡24期还款记录次数'])<=6:
        return {"approveResult": '0', "rule": 'A8'}
    elif null2Zero(parsePayRcdStatus['贷记卡账户近24个月是否出现\"G\"'])>0 or null2Zero(creditInfo['名下贷记卡数量-状态异常'])>0 \
           or null2Zero(badDebtsInfo['账户数'])>0 or null2Zero(data1['贷记卡账户最长逾期月数'])>=3:
        return {"approveResult": '0', "rule": 'A9'}
    #贷款逾期
    elif null2Zero(loanInfo['当前贷款最大逾期金额'])>0:
        return {"approveResult": '0', "rule": 'B1'}
    elif null2Zero(parsePayRcdStatus['贷款账户近3月逾期期数大于或等于“1”的次数'])>0:
        return {"approveResult": '0', "rule": 'B2'}
    elif null2Zero(parsePayRcdStatus['贷款账户近6月逾期期数大于或等于“1”的次数'])>1:
        return {"approveResult": '0', "rule": 'B3'}
    elif null2Zero(parsePayRcdStatus['贷款账户近12月逾期期数大于或等于“1”的次数'])>3:
        return {"approveResult": '0', "rule": 'B4'}
    elif null2Zero(parsePayRcdStatus['贷款账户近24月逾期期数大于或等于“2”的次数'])>0 and (null2Zero(parsePayRcdStatus['贷款账户近12月逾期期数大于或等于“1”的次数'])>0 \
            or null2Zero(loanInfo['贷款24期还款记录次数'])<22):
        return {"approveResult": '0', "rule": 'B5'}
    elif null2Zero(parsePayRcdStatus['贷款账户近24月逾期期数大于或等于“3”的次数'])>0:
        return {"approveResult": '0', "rule": 'B6'}
    elif null2Zero(parsePayRcdStatus['贷款账户近6月逾期期数大于或等于“1”的次数'])>0 and null2Zero(loanInfo['贷款24期还款记录次数'])<=6:
        return {"approveResult": '0', "rule": 'B7'}
    elif null2Zero(parsePayRcdStatus['贷款账户近24个月是否出现\"G\"'])>0 or null2Zero(parsePayRcdStatus['贷款账户近24个月是否出现\"Z\"'])>0 or\
        null2Zero(data1['非循环贷帐户最长逾期月数'])>=3 or null2Zero(data1['循环额度下分账户最长逾期月数'])>=3:
        return {"approveResult": '0', "rule": 'B8'}
    #高负债
    elif null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>0.95 and null2Zero(creditInfo['贷记卡24期还款记录次数'])<=3 and \
        null2Zero(creditInfo['当前正常贷记卡已用额度'])>28500:
        return {"approveResult": '0', "rule": 'C1'}
    elif (null2Zero(loanInfo['当前房贷LTV'])==0 and null2Zero(loanInfo['当前车贷LTV'])==0 and null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>=0.95 and \
            null2Zero(creditInfo['当前正常贷记卡已用额度'])>=50000) or (null2Zero(loanInfo['当前房贷LTV'])+null2Zero(loanInfo['当前车贷LTV'])>0 and \
            null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>=0.95 and null2Zero(creditInfo['当前正常贷记卡已用额度'])>=80000):
        return {"approveResult": '0', "rule": 'C2'}
    elif null2Zero(loanInfo['当前未结清贷款余额总和'])-null2Zero(loanInfo['当前未结清住房贷款余额总和'])-null2Zero(loanInfo['当前未结清汽车贷款余额总和'])-\
        null2Zero(loanInfo['当前未结清个人经营性贷款余额总和'])>=100000:
        return {"approveResult": '0', "rule": 'C3'}
    elif null2Zero(creditInfo['当前正常贷记卡已用额度'])>=200000:
        return {"approveResult": '0', "rule": 'C4'}
    elif (null2Zero(loanInfo['当前贷款本月应还金额总和'])+null2Zero(creditInfo['当前贷记卡本月应还金额总和'])>50000 and \
            null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>0.9) or \
            null2Zero(loanInfo['当前贷款本月应还金额总和'])+null2Zero(creditInfo['当前贷记卡本月应还金额总和'])>80000:
        return {"approveResult": '0', "rule": 'C5'}
    elif (null2Zero(creditInfo['当前贷记卡本月应还金额总和'])!=0 and \
          null2Zero(creditInfo['当前贷记卡本月实还金额总和'])/null2Zero(creditInfo['当前贷记卡本月应还金额总和'])<0.3) or \
            (null2Zero(loanInfo['当前贷款本月应还金额总和'])!=0 and \
            null2Zero(loanInfo['当前贷款本月实还金额总额'])/null2Zero(loanInfo['当前贷款本月应还金额总和'])<0.3) or \
            (null2Zero(creditInfo['当前贷记卡本月应还金额总和'])!=0 and \
          null2Zero(creditInfo['当前贷记卡本月实还金额总和'])/null2Zero(creditInfo['当前贷记卡本月应还金额总和'])<0.4 and \
            null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>0.95):
        return {"approveResult": '0', "rule": 'C6'}
    elif null2Zero(creditandloanSum['贷记卡授信总额'])>100000 and null2Zero(creditInfo['贷记卡账户近6月平均额度总的使用率'])>0.9:
        return {"approveResult": '0', "rule": 'C7'}
    elif null2Zero(creditandloanSum['贷记卡发卡机构数'])>=10 and null2Zero(creditInfo['贷记卡账户近6月平均额度总的使用率'])>0.95:
        return {"approveResult": '0', "rule": 'C8'}
    #查询次数
    elif null2Zero(querySum['近1月内的查询次数-信用卡审批'])>=10:
        return {"approveResult": '0', "rule": 'D1'}
    elif null2Zero(querySum['近1月内的查询次数-信用卡审批'])>=6 and null2Zero(newcreditInfo['近3个月贷记卡账户开户数'])==0:
        return {"approveResult": '0', "rule": 'D2'}
    elif null2Zero(queryDetail['近3月查询次数信用卡审批'])>=12 and null2Zero(newcreditInfo['近3个月贷记卡账户开户数'])==0:
        return {"approveResult": '0', "rule": 'D3'}
    elif null2Zero(queryDetail['近3月查询次数信用卡审批'])>=15:
        return {"approveResult": '0', "rule": 'D4'}
    elif null2Zero(querySum['近1月内的查询次数-贷款审批'])>=15:
        return {"approveResult": '0', "rule": 'D5'}
    elif null2Zero(querySum['近1月内的查询次数-贷款审批'])>=10 and \
            null2Zero(newcreditInfo['近3个月贷款账户开户数'])+null2Zero(newcreditInfo['近3个月消费金融类账户开户数'])==0:
        return {"approveResult": '0', "rule": 'D6'}
    elif (null2Zero(queryDetail['近3月查询次数贷款审批'])>=18 and null2Zero(useRate['全账户使用率（已用额度/授信总额）'])>=0.8) or \
        null2Zero(queryDetail['近3月查询次数贷款审批'])>=20:
        return {"approveResult": '0', "rule": 'D7'}
    elif null2Zero(queryDetail['近3月查询次数贷款审批'])+null2Zero(queryDetail['近3月查询次数信用卡审批'])>=25:
        return {"approveResult": '0', "rule": 'D8'}
    elif null2Zero(querySum['近1月内的查询次数-本人查询'])>=2:
        return {"approveResult": '0', "rule": 'D9'}
    #公共信息
    elif null2Zero(publicInfo['欠税信息-记录数'])>0 and null2Zero(parsePayRcdStatus['全账户近12月逾期期数大于或等于“1”的次数'])>0:
        return {"approveResult": '0', "rule": 'G1'}
    elif null2Zero(publicInfo['民事判决信息-记录数'])>0 and null2Zero(parsePayRcdStatus['全账户近12月逾期期数大于或等于“1”的次数'])>0:
        return {"approveResult": '0', "rule": 'G2'}
    elif null2Zero(publicInfo['行政处罚信息-记录数'])>0 and null2Zero(parsePayRcdStatus['全账户近12月逾期期数大于或等于“1”的次数'])>0:
        return {"approveResult": '0', "rule": 'G3'}
    elif null2Zero(publicInfo['强制执行信息-记录数'])>0:
        return {"approveResult": '0', "rule": 'G4'}
    #其它
    elif null2Zero(specialInfo['当前用户发生特殊交易的严重程度'])==1:
        return {"approveResult": '0', "rule": 'E1'}
    elif (null2Zero(creditoverdueInfo['资产处置业务账户数'])>0 and null2Zero(creditoverdueInfo['资产处置业务余额'])>0) or \
            (null2Zero(creditoverdueInfo['垫款业务账户数'])>0 and null2Zero(creditoverdueInfo['垫款业务余额'])>0) or \
        null2Zero(creditoverdueInfo['债权转移时属于催收状态的账户数'])>0 or \
            null2Zero(creditoverdueInfo['债权转移时属于催收状态的账户数/被追偿信息总数']) > 0:
        return {"approveResult": '0', "rule": 'E2'}
    elif null2Zero(creditInfo['最近新发放的3张贷记卡平均额度'])<=5000 and null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>0.95 and \
        null2Zero(creditInfo['近6月贷记卡最大逾期期数'])>0:
        return {"approveResult": '0', "rule": 'E3'}
    elif null2Zero(creditandloanSum['相关还款责任账户总担保余额-担保责任'])>=500000:
        return {"approveResult": '0', "rule": 'E4'}
    elif null2Zero(hsz_data['最近6个月有贷款还款记录的月份数'])<3:
        return {"approveResult": '0', "rule": 'E5'}
    elif null2Zero(hsz_data['贷款历史最大逾期期数'])>0 and null2Zero(hsz_data['最近12个月有贷款还款记录的月份数'])==0:
        return {"approveResult": '0', "rule": 'E6'}
    elif null2Zero(hsz_data['贷款发放笔数'])==0:
        return {"approveResult": '0', "rule": 'E7'}
    else:
        return {"approveResult": '1', "rule": 'P'}