read_pdf_plt/pboc_hc.py

import json

def renhang_rules(json_data):
    '''解析json数据，计算规则命中'''
        ###null值转换函数
    def toFloat(value):
        if str(value)=="" or str(value)=="--" or str(value)=="nan":
            return 0
        else:
            return float(value)

    def null2Zero(value):
        if value==None:
            return 0
        else:
            return toFloat(value)
        
    #如果人行未查得，直接返回固定错误码和结果    
    if json_data['result'] == '' or json_data['result'] == None:           
       output_data = json.dumps({'base_rules_hit_list':['PBOC1001'], 'base_rules_hit_cnt':1, 'ex_rules_hit_list':[], 'ex_rules_hit_cnt':0, 
            'base_quota':0, 'ex_quota':0,'creditcard_usedquota_avg_rec6m':None,'all_account_usage':None,'all_account_od_times_rec12m':None,'creditcard_total_creditquota':None,'unrevo_loan_total_creditquota':None,'revo_loan_total_creditquota':None,'creditcard_usedquota':None,'unrevo_loan_total_balance':None,'revo_loan_total_balance':None,'creditcard_repayment_ratio':None})
       return output_data
   
    else:
        ###取数，将json字符串解码为python可处理对象
        info = json.loads(json_data['result'])
        
        ###输出10个原始字段
        creditcard_usedquota_avg_rec6m = info['信贷交易授信及负债信息概要']['贷记卡最近6个月平均使用额度']
        all_account_usage = info['使用率']['全账户使用率（已用额度/授信总额）']
        all_account_od_times_rec12m = info['24期还款状态']['全账户近12月逾期期数大于或等于“1”的次数']
        creditcard_total_creditquota = info['信贷交易授信及负债信息概要']['贷记卡授信总额']
        unrevo_loan_total_creditquota = info['信贷交易授信及负债信息概要']['非循环贷账户授信总额']
        revo_loan_total_creditquota = info['信贷交易授信及负债信息概要']['循环贷账户授信总额']
        creditcard_usedquota = info['信贷交易授信及负债信息概要']['贷记卡已用额度']
        unrevo_loan_total_balance = info['信贷交易授信及负债信息概要']['非循环贷账户余额']
        revo_loan_total_balance = info['信贷交易授信及负债信息概要']['循环贷账户余额']
        creditcard_repayment_ratio = info['贷记卡账户']['贷记卡还款比例']    
        
        
        ###统计规则命中
        ###基础规则命中集
        base_rules_hit_list = []
        
        #PBOC1000   贷记卡授信总额、非循环贷账户授信总额、循环贷账户授信总额都为0
        rule = 'PBOC1000'
        if null2Zero(info['信贷交易授信及负债信息概要']['贷记卡授信总额']) == 0 and null2Zero(info['信贷交易授信及负债信息概要']['非循环贷账户授信总额']) == 0 and null2Zero(info['信贷交易授信及负债信息概要']['循环贷账户授信总额']) == 0:
            base_rules_hit_list.append(rule)
        
        #PBOC0001	呆账信息汇总-账户数>0 
        rule = 'PBOC0001'
        if null2Zero(info['呆账信息汇总']['账户数']) > 0:
            base_rules_hit_list.append(rule)
                
        #PBOC0002 贷记卡账户出现锁定码G
        rule = 'PBOC0002'
        if null2Zero(info['24期还款状态']['贷记卡账户近24个月是否出现\"G\"']) > 0:
            base_rules_hit_list.append(rule)
        
        #PBOC0003	贷记卡账户当前逾期1期及以上且当前总逾期金额>300元
        rule = 'PBOC0003'
        if null2Zero(info['贷记卡账户']['当前贷记卡最大逾期期数']) >=1 and null2Zero(info['贷记卡账户']['当前贷记卡最大逾期金额']) > 300:
            base_rules_hit_list.append(rule)
                
        #PBOC0004	个贷账户状态为逾期
        rule = 'PBOC0004'
        if null2Zero(info['贷款信息']['当前贷款逾期账户数']) > 0:
            base_rules_hit_list.append(rule)
                
        #PBOC0005	贷款账户出现锁定码G或Z
        rule = 'PBOC0005'
        if null2Zero(info['24期还款状态']['贷款账户近24个月是否出现\"G\"']) > 0 or null2Zero(info['24期还款状态']['贷款账户近24个月是否出现\"Z\"']) > 0:
            base_rules_hit_list.append(rule)          
                
        #PBOC0006	单张贷记卡近12个月（含）最高逾期期数＞＝2期
        rule = 'PBOC0006'
        if null2Zero(info['贷记卡账户']['近12月贷记卡最大逾期期数']) >= 2:
            base_rules_hit_list.append(rule)            
                
        #PBOC0007	单张贷记卡近24个月（含）最大逾期期数>=3期
        rule = 'PBOC0007' 
        if null2Zero(info['贷记卡账户']['近24月贷记卡最大逾期期数']) >= 3:
            base_rules_hit_list.append(rule)
      
         #PBOC0008	贷记卡近6个月累计逾期次数≥3次
        rule = 'PBOC0008'
        if null2Zero(info['24期还款状态']['贷记卡账户近6月逾期期数大于或等于“1”的次数']) >= 3:
            base_rules_hit_list.append(rule) 
                
         #PBOC0009	贷记卡近12个月累计逾期次数≥6次
        rule = 'PBOC0009'
        if null2Zero(info['24期还款状态']['贷记卡账户近12月逾期期数大于或等于“1”的次数']) >= 6:
            base_rules_hit_list.append(rule)         
      
         #PBOC0010	贷记卡近24个月累计逾期次数≥9次
        rule = 'PBOC0010'
        if null2Zero(info['24期还款状态']['贷记卡账户近24月逾期期数大于或等于“1”的次数']) >= 9:
            base_rules_hit_list.append(rule)           
      
        #PBOC0011  贷款近12个月（含）最高逾期期数＞=2期
        rule = 'PBOC0011' 
        if null2Zero(info['贷款信息']['近12月贷款的最大逾期期数']) >= 2:
            base_rules_hit_list.append(rule)
                
        #PBOC0012	贷款近24个月（含）最高逾期期数＞=3期
        rule = 'PBOC0012' 
        if null2Zero(info['贷款信息']['近24月贷款的最大逾期期数']) >= 3:
            base_rules_hit_list.append(rule) 
                
        #PBOC0013	所有个贷近12个月（含）累计逾期次数>=3次
        rule = 'PBOC0013' 
        if null2Zero(info['24期还款状态']['贷款账户近12月逾期期数大于或等于“1”的次数']) >= 3:
            base_rules_hit_list.append(rule)
                
        #PBOC0014	所有个贷近24个月（含）逾期次数累计＞=5次
        rule = 'PBOC0014' 
        if null2Zero(info['24期还款状态']['贷款账户近24月逾期期数大于或等于“1”的次数']) >= 5:
            base_rules_hit_list.append(rule)            
                
        #PBOC0015	所有个贷和贷记卡过去12个月累计逾期次数>8次
        rule = 'PBOC0015'
        if null2Zero(info['24期还款状态']['贷款账户近12月逾期期数大于或等于“1”的次数']) + null2Zero(info['24期还款状态']['贷记卡账户近12月逾期期数大于或等于“1”的次数']) > 8:
            base_rules_hit_list.append(rule)            
                
        #PBOC0016	用户所有账户发生不良特殊交易的次数统计>0
        rule = 'PBOC0016'
        if null2Zero(info['特殊交易']['用户所有帐户发生不良特殊交易的次数统计']) > 0:
            base_rules_hit_list.append(rule)  
                
        #PBOC0017	被追偿账户总数>0
        rule = 'PBOC0017'
        if null2Zero(info['被追偿信息']['被追偿账户总数']) > 0:
            base_rules_hit_list.append(rule)       
                
        #PBOC0018	资产处置业务账户数>0
        rule = 'PBOC0018'
        if null2Zero(info['信贷交易违约信息概要']['资产处置业务账户数']) > 0:
            base_rules_hit_list.append(rule)
                
        #PBOC0019	垫款业务账户数>0
        rule = 'PBOC0019'
        if null2Zero(info['信贷交易违约信息概要']['垫款业务账户数']) > 0:
            base_rules_hit_list.append(rule)
                
        #PBOC0020	债权转移时属于催收状态的账户数>0
        rule = 'PBOC0020'      
        if null2Zero(info['信贷交易违约信息概要']['债权转移时属于催收状态的账户数']) > 0:
            base_rules_hit_list.append(rule) 
                
        #PBOC0021	强制执行信息-记录数>0
        rule = 'PBOC0021'
        if null2Zero(info['公共信息概要']['强制执行信息-记录数']) > 0:
            base_rules_hit_list.append(rule)  
                
        #PBOC0022	过去6个月贷款及贷记卡总逾期次数>=2& 过去6个月贷款和贷记卡审批查询次数>=6次
        rule = 'PBOC0022'
        if null2Zero(info['24期还款状态']['贷款账户近6月逾期期数大于或等于“1”的次数']) + null2Zero(info['24期还款状态']['贷记卡账户近6月逾期期数大于或等于“1”的次数']) >= 2 and null2Zero(info['信贷审批查询记录明细']['近6月查询次数信用卡审批']) + null2Zero(info['信贷审批查询记录明细']['近6月查询次数贷款审批']) >= 6:
            base_rules_hit_list.append(rule)  
    
        #PBOC0023	当前贷记卡透支比例超过85%
        rule = 'PBOC0023'
        if null2Zero(info['贷记卡账户']['贷记卡账户当前总额度使用率']) > 0.85:
            base_rules_hit_list.append(rule)   
                
        #PBOC0024	近6个月（含）信用卡审批总查询次数>=5次且无新开信用卡账户
        rule = 'PBOC0024'
        if null2Zero(info['信贷审批查询记录明细']['近6月查询次数信用卡审批']) >= 5 and null2Zero(info['开户数']['近6个月贷记卡账户开户数']) == 0:
            base_rules_hit_list.append(rule)  
    
        #PBOC0025	近6个月（含）“贷款审批”+“信用卡审批”总查询次数>=11次
        rule = 'PBOC0025'
        if null2Zero(info['信贷审批查询记录明细']['近6月查询次数贷款审批']) + null2Zero(info['信贷审批查询记录明细']['近6月查询次数信用卡审批']) >= 11:
            base_rules_hit_list.append(rule)   
    
        #PBOC0026	近3个月（含）,新增贷款笔数>=3笔
        rule = 'PBOC0026'
        if null2Zero(info['开户数']['近3个月贷款账户开户数']) >= 3:
            base_rules_hit_list.append(rule) 
                
        #PBOC0027	过去12个月贷款累计逾期次数>=2次且近6个月贷记卡透支比例超过80%且贷记卡总授信额度>=150000
        rule = 'PBOC0027'
        if null2Zero(info['24期还款状态']['贷款账户近12月逾期期数大于或等于“1”的次数'])>=2 and null2Zero(info['贷记卡账户']['贷记卡账户近6月平均额度总的使用率']) > 0.8 and info['信贷交易授信及负债信息概要']['贷记卡授信总额'] >= 150000:
            base_rules_hit_list.append(rule) 
    
        #PBOC0028	贷记卡总额度5万（含）以内，是否近6个月（含）贷记卡透支比例超过100%
        rule = 'PBOC0028'
        if null2Zero(info['信贷交易授信及负债信息概要']['贷记卡授信总额']) <= 50000 and null2Zero(info['贷记卡账户']['贷记卡账户近6月平均额度总的使用率']) >= 1:
            base_rules_hit_list.append(rule)
            
        #PBOC0029	贷记卡最低还款比例<5%(为null不拒)
        rule = 'PBOC0029'
        if info['贷记卡账户']['贷记卡最低还款比例'] is not None:
            if null2Zero(info['贷记卡账户']['贷记卡最低还款比例']) < 0.05:
               base_rules_hit_list.append(rule) 
        
        #PBOC0030	贷款过去12个月逾期次数大于等于2次且贷记卡总额度(5万,15万],是否近6个月(含)贷记卡透支比例超过95%
        rule = 'PBOC0030'
        if null2Zero(info['24期还款状态']['贷款账户近12月逾期期数大于或等于“1”的次数']) >= 2 and null2Zero(info['信贷交易授信及负债信息概要']['贷记卡授信总额']) > 50000 and null2Zero(info['信贷交易授信及负债信息概要']['贷记卡授信总额']) <= 150000 and null2Zero(info['贷记卡账户']['贷记卡账户近6月平均额度总的使用率']) >= 0.95:
            base_rules_hit_list.append(rule) 
    
    
        ###专属规则命中集
        ex_rules_hit_list = []
                
        #PBOC0031	近6个月所有贷款逾期总次数>=2
        rule = 'PBOC0031' 
        if null2Zero(info['24期还款状态']['贷款账户近6月逾期期数大于或等于“1”的次数']) >= 2:
            ex_rules_hit_list.append(rule) 
        
        #PBOC0032	过去12个月中信用卡审批查询次数>=10
        rule = 'PBOC0032' 
        if null2Zero(info['信贷审批查询记录明细']['近12月查询次数信用卡审批']) >= 10:
            ex_rules_hit_list.append(rule)
                
        #PBOC0033	过去6个月中信用卡审批查询次数>4且信用卡最近三个月查询次数>2
        rule = 'PBOC0033'
        if null2Zero(info['信贷审批查询记录明细']['近6月查询次数信用卡审批']) > 4 and  null2Zero(info['信贷审批查询记录明细']['近3月查询次数信用卡审批']) >2:
            ex_rules_hit_list.append(rule)
    
            
        ###基础额度计算 
        #先判断基础规则命中，有命中直接拒绝
        if len(base_rules_hit_list) > 0:
            base_quota = 0
        else:
            #判断贷记卡最近6个月平均使用额度是否为空，为空默认5000
            if info['信贷交易授信及负债信息概要']['贷记卡最近6个月平均使用额度'] is None:
                var1 = 5000
            else:
                var1 = null2Zero(info['信贷交易授信及负债信息概要']['贷记卡最近6个月平均使用额度'])
            #计算基础额度系数
            con1 = info['使用率']['全账户使用率（已用额度/授信总额）']
            con2 = info['24期还款状态']['全账户近12月逾期期数大于或等于“1”的次数']
            if con1 is None or con2 is None:
                coef = 1        
            else:
                con1,con2 = null2Zero(con1),null2Zero(con2)
                if con1 <= 0.7 and con2 <= 2:
                    coef = 1.1
                elif con1 > 0.7 and con2 <=2:
                    coef = 0.8
                elif con2 >= 3 and con2 <= 5:
                    coef = 0.8
                elif con2 > 5:
                    coef = 0.5
            #计算基础额度,百位取整
            base_quota = int(var1 * coef / 100) * 100
            #上下限约束
            if base_quota > 20000:
                base_quota = 20000
            elif base_quota < 2000:
                base_quota = 2000
        
        ###专属额度计算
        #先判断基础规则和专属规则命中，有任一命中则专属额度为0
        if len(base_rules_hit_list) > 0 or len(ex_rules_hit_list) > 0:
            ex_quota = 0
        else:
            #判断各类额度是否为空，为空替换为0：
            var1 = null2Zero(info['信贷交易授信及负债信息概要']['贷记卡授信总额'])
            #var2 = null2Zero(info['信贷交易授信及负债信息概要']['非循环贷账户授信总额'] )
            var3 = null2Zero(info['信贷交易授信及负债信息概要']['循环贷账户授信总额'])
            var4 = null2Zero(info['信贷交易授信及负债信息概要']['贷记卡已用额度'])
            #var5 = null2Zero(info['信贷交易授信及负债信息概要']['非循环贷账户余额'])
            var6 = null2Zero(info['信贷交易授信及负债信息概要']['循环贷账户余额'])
            #计算专属额度系数
            con = info['24期还款状态']['全账户近12月逾期期数大于或等于“1”的次数']
            if con is None:
                coef = 0.4
            else:
                con = null2Zero(con)
                if con <= 2:
                    coef = 0.6
                elif con >= 3 and con <= 5:
                    coef = 0.4
                elif con > 5:
                    coef = 0.2
            #计算专属额度,百位取整
            ex_quota  = int((var1 + var3 - var4 - var6)/100) * 100
            #上下限约束
            if ex_quota > 30000:
                ex_quota = 30000
            elif ex_quota < 2000 and ex_quota > 0:
                ex_quota = 2000
            elif ex_quota <= 0:
                ex_quota = 0
         
    
        output_data = json.dumps({'base_rules_hit_list':base_rules_hit_list, 'base_rules_hit_cnt':len(base_rules_hit_list), 'ex_rules_hit_list':ex_rules_hit_list, 'ex_rules_hit_cnt':len(ex_rules_hit_list), 
                'base_quota':base_quota, 'ex_quota':ex_quota,'creditcard_usedquota_avg_rec6m':creditcard_usedquota_avg_rec6m,'all_account_usage':all_account_usage,'all_account_od_times_rec12m':all_account_od_times_rec12m,'creditcard_total_creditquota':creditcard_total_creditquota,'unrevo_loan_total_creditquota':unrevo_loan_total_creditquota,'revo_loan_total_creditquota':revo_loan_total_creditquota,'creditcard_usedquota':creditcard_usedquota,'unrevo_loan_total_balance':unrevo_loan_total_balance,'revo_loan_total_balance':revo_loan_total_balance,'creditcard_repayment_ratio':creditcard_repayment_ratio})
        return output_data

'''
if __name__ == '__main__':
    json_data = json.load(open('人行字段test.json',encoding='utf-8'))
    result = renhang_rules(json_data)   
    print(result)
'''