read_pdf_plt/xyHttp.py

# -*- coding: utf-8 -*-

import requests
import json
import os
from ini_op import Config;
base_dir = os.path.dirname(os.path.abspath(__file__))
import log
import utils
# import jzutil
logger = log.logger
config = Config(base_dir+"/config.ini");
CREATE_API = config.get("baseconf","create_api")
qk_url= config.get("baseconf", "qk_url");
hsz_url= config.get("baseconf", "hsz_url");
hc_url= config.get("baseconf", "hc_url");
jz_url= config.get("baseconf", "jz_url");
rd_url= config.get("baseconf", "rd_url");
isAutoApprove = config.get("baseconf", "isAutoApprove");
#小赢服务
def call_credit(businessInfo):
    credit_xml = businessInfo["creditXml"]
    extendData = businessInfo["extend"]
    extendData = json.loads(extendData)
    # credit_xml = '<征信原始Json串>'
    rule_params = {"riskVar": {"xdStatus": 1, "isApp": 1, "pyEdu": 1},
                   "version": "0.0.3",
                   "product_name": "kd",
                   "ruleSet": {"ruleZx113": {},
                               "ruleZx120": {},
                               "ruleZx121": {},
                               "ruleZx101": {},
                               "ruleZxNohigh": {},
                               "ruleZx119": {},
                               "ruleZx118": {},
                               "ruleZx108": {},
                               "ruleZx104": {"tdCardOpenMonth": "3"},
                               "ruleZx110": {},
                               "ruleZx116": {"tdLoanOver1p5M": "1500000"},
                               "ruleZx115": {"tdDebitCardTotal1": "0", "tdDebitCardTotal2": "2",
                                             "tdSingleDebitCardMax": "2"}},
                   "specialSet": {"ruleZx111": {"tdMaxOpenMonth": "6"}},
                   "scoreSet": {"ruleZx129": {"tdCreditScore": "850"}},
                   "method": "rule_kd_one"}
    model_params = {"version": "kyd_pboc_lr_v1"}
    params = {
        'ruleParams' : rule_params,
        'modelParams': model_params
    }
    request_data = {
        'requestId': businessInfo["coopBusinessNum"],
        'extendData': json.dumps(extendData["zxmb"]),
        'zxData': credit_xml
    }
    request_data1 = {
        'requestId': businessInfo["coopBusinessNum"],
        'extendData': extendData,
    }
    # logger.info(request_data1)
    resp = requests.post(CREATE_API, data=json.dumps(request_data))
    return resp.text

#调用洽客http
def callQk(businessInfo):
    credit_xml = businessInfo["result"]
    request_data = {
        'queryReq': credit_xml
    }
    # logger.info(json.dumps(request_data))
    headers = {"Content-Type":"application/json"}
    resp = requests.post(qk_url, data=json.dumps(request_data),headers=headers)
    return resp.text
#恒昌
def callHc(businessInfo):
    credit_json = businessInfo["result"]
    request_data = {
        'queryReq': credit_json
    }
    # logger.info(json.dumps(request_data))
    headers = {"Content-Type":"application/json"}
    resp = requests.post(hc_url, data=json.dumps(request_data),headers=headers)
    return resp.text


#调用慧算账
def callHsz(businessInfo):
    creditJson = businessInfo["result"]
    extend = businessInfo["extend"]
    request_data = {
        'queryReq': creditJson,
        'extend':extend
    }
    # logger.info(json.dumps(request_data))
    headers = {"Content-Type":"application/json"}
    resp = requests.post(hsz_url, data=json.dumps(request_data),headers=headers)
    return resp.text
#新版桔子
def callJz(businessInfo):
    creditJson = businessInfo["result"]
    extend = businessInfo["extend"]
    request_data = {
        'queryReq': creditJson,
        'extend':extend
    }
    # logger.info(json.dumps(request_data))
    headers = {"Content-Type":"application/json"}
    resp = requests.post(jz_url, data=json.dumps(request_data),headers=headers)
    result = resp.text
    dataResult = json.loads(result)
    dataResult["data"]["orderNo"]=businessInfo["coopBusinessNum"]
    # 桔子新版加密合并data字段
    # newResult = jzutil.encode(businessInfo)
    # dataResult["data"] = dataResult["data"].update(newResult)
    return json.dumps(dataResult)


#仁东
def callRd(businessInfo):
    credit_json = businessInfo["result"]
    request_data = {
        'queryReq': credit_json
    }
    # logger.info(json.dumps(request_data))
    headers = {"Content-Type":"application/json"}
    resp = requests.post(rd_url, data=json.dumps(request_data),headers=headers)
    return resp.text


def convert(N,key):
    N = null2Zero(N)
    result = ""
    if N == 0:
        result = "sun"
    elif N>=1 and N<3 and (key=="A2" or key=="A3" or key=="A8" or key=="A9" or key=="A10"):
        result = "aries"
    elif N>=3 and (key=="A2"):
        result = "taurus"
    elif N>=3 and N<6 and (key=="A3" or key=="A8" or key=="A9" or key=="A10"):
        result = "gemini"
    elif N>=6 and (key=="A3" or key=="A8" or key=="A9" or key=="A10"):
        result = "cancer"
    elif N>0 and N<=5000 and (key=="A4"):
        result = "leo"
    elif N > 5000 and N <= 10000 and (key == "A4"):
        result = "virgo"
    elif N > 0 and N <= 10000 and (key == "A1" or key == "A7"):
        result = "libra"
    elif N > 10000 and N <= 30000 and (key == "A1" or key == "A7"):
        result = "scorpio"
    elif N >30000 and (key == "A1" or key == "A7"):
        result = "sagittarius"
    elif N > 0 and N <= 50000  and (key == "A5" or key == "A6"):
        result = "capricorn"
    elif N > 50000 and N <= 100000  and (key == "A5" or key == "A6"):
        result = "aquarius"
    elif N > 100000 and N <= 500000 and (key == "A5" or key == "A6"):
        result = "pisces"
    elif N >500000 and (key == "A5" or key == "A6"):
        result = "moon"
    return result;
def buildJyData(businessInfo,jsonPath):
    try:
        data = {}
        jsonData = json.loads(businessInfo["result"]);
        #强制执行信息-涉及金额
        publicInfoBrief = jsonData["公共信息概要"];
        data["A1"] = convert(publicInfoBrief["强制执行信息-涉及金额"],"A1")
        queryRecordSum = jsonData["查询记录汇总"];
        data["A2"] = convert(queryRecordSum["近1月内的查询次数-贷款审批"],"A2")
        loanInfo = jsonData["贷款信息"];
        data["A3"] = convert(loanInfo["当前贷款最大逾期期数"],"A3")
        data["A4"] = convert(loanInfo["当前贷款最大逾期金额"],"A4")
        data["A5"] = convert(loanInfo["当前未结清贷款余额总和"],"A5")
        data["A6"] = convert(loanInfo["当前正常贷款账户余额"],"A6")
        creditInfo = jsonData["贷记卡账户"];
        data["A7"] = convert(creditInfo["当前贷记卡最大逾期金额"],"A7")
        data["A8"] = convert(creditInfo["近12月贷记卡最大逾期期数"],"A8")
        queryRecordDetailDf = jsonData["信贷审批查询记录明细"]
        data["A9"] = convert(publicInfoBrief["强制执行信息-记录数"], "A9")
        data["A10"] = convert(queryRecordDetailDf["近3月查询次数"],"A10")
    except:
        pass
    with open(jsonPath, 'w', encoding='utf-8') as fp:
        fp.write(json.dumps(data))
def null2Zero(value):
    if value==None:
        return 0
    else:
        return utils.toInt(value);
#本地jar
def callLocal(businessInfo):
    # 测试修改 这个地方改为读文件
    # with open('D:/jin_rong/test_data/朱传光_371425199305027971_256979050910728199.txt','r',encoding='utf8') as fp:
    #     jsonData=json.load(fp);
    test_str=businessInfo["result"];

    jsonData = json.loads(test_str);
    approveResult = "1";
    #默认为通过，如果不满足条件为3
    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"];
    creditInfoZ = jsonData["准贷记卡账户"];
    loanTradeInfoDf = jsonData["信贷交易信息提示"]
    # useRate = jsonData["使用率"]
    # queryRecordDetailDf = jsonData["信贷审批查询记录明细"]

    recoveryInfoSum = jsonData["信贷交易违约信息概要"]
    allAccountNum = null2Zero(loanTradeInfoDf["个人住房贷款账户数"])+null2Zero(loanTradeInfoDf["个人商用房贷款（包括商住两用）账户数"])\
                    +null2Zero(loanTradeInfoDf["其他类贷款账户数"])+null2Zero(loanTradeInfoDf["贷记卡账户数"])\
                    +null2Zero(loanTradeInfoDf["准贷记卡账户数"])
    #公积金
    housingFundRcd = jsonData["住房公积金参缴记录"]
    rule = ""
    if null2Zero(parsePayRcdStatus["全账户近24月逾期期数大于或等于“3”的次数"])>=1 or null2Zero(parsePayRcdStatus["全账户近24月逾期期数大于或等于“1”的次数"])>=6:
        approveResult = "0"
        rule="#1"
        rule += "#全账户近24月逾期期数大于或等于“3”的次数=" + str(parsePayRcdStatus["全账户近24月逾期期数大于或等于“3”的次数"])
        rule += "#全账户近24月逾期期数大于或等于“1”的次数=" + str(parsePayRcdStatus["全账户近24月逾期期数大于或等于“1”的次数"])
    elif (utils.toInt(null2Zero(badDebtsInfo["账户数"]))>0) or null2Zero(badDebtsInfo["余额"])>0:
        approveResult = "0"
        rule="#2"
        rule += "#呆账账户数=" + str(badDebtsInfo["账户数"])
    elif parsePayRcdStatus["贷款账户近24个月是否出现\"G\""]=="1" or parsePayRcdStatus["贷记卡账户近24个月是否出现\"G\""]=="1" \
            or parsePayRcdStatus["准贷记卡账户近24个月是否出现\"G\""]=="1"  or  parsePayRcdStatus["贷款账户近24个月是否出现\"Z\""]=="1":
        approveResult = "0"
        rule="#3"
        rule += "#明细出现\"G\或者还款记录出现以资抵债\"Z\"=" + str(parsePayRcdStatus["贷款账户近24个月是否出现\"G\""]=="1" or parsePayRcdStatus["贷记卡账户近24个月是否出现\"G\""]=="1" \
            or parsePayRcdStatus["准贷记卡账户近24个月是否出现\"G\""]=="1"  or  parsePayRcdStatus["贷款账户近24个月是否出现\"Z\""]=="1")
    elif loanInfo.__contains__("当前贷款最大逾期期数") and null2Zero(loanInfo["当前贷款最大逾期期数"])>0:
        approveResult = "0"
        rule="#4"
        rule += "#当前贷款最大逾期期数=" + str(loanInfo["当前贷款最大逾期期数"])
    elif creditInfo.__contains__("当前贷记卡最大逾期期数") and null2Zero(creditInfo["当前贷记卡最大逾期期数"]) > 0:
        approveResult = "0"
        rule = "#4"
        rule += "#当前贷记卡最大逾期期数=" + str(creditInfo["当前贷记卡最大逾期期数"])
    elif null2Zero(creditInfo["名下贷记卡数量-状态异常"])>0:
        approveResult = "0"
        rule="#5"
        rule += "#名下贷记卡数量-状态异常=" + str(creditInfo["名下贷记卡数量-状态异常"])
    elif creditInfoZ.__contains__("名下准贷记卡数量-状态异常") and null2Zero(creditInfoZ["名下准贷记卡数量-状态异常"])>0:
        approveResult = "0"
        rule="#6"
        rule += "#名下准贷记卡数量-状态异常=" + str(creditInfoZ["名下准贷记卡数量-状态异常"])
    elif null2Zero(recoveryInfoSum["垫款业务账户数"])>=3:#原来为>0
        approveResult = "0"
        rule="#16"
        rule += "#垫款业务账户数=" + str(recoveryInfoSum["垫款业务账户数"])
    elif null2Zero(recoveryInfoSum["垫款业务余额"]) > 0:
        approveResult = "0"
        rule="#17"
        rule += "#垫款业务余额=" + str(recoveryInfoSum["垫款业务余额"])
    #白户
    elif allAccountNum==0 and housingFundRcd["参缴日期"]==None:
        approveResult = "0"
        rule = "#18"
        rule += "#白户#无信贷交易明细"
    if isAutoApprove =="1":
        approveResult = "1"
    data = {"approveResult":approveResult,"rule":rule}
    return data;

#新版本地模型
def callNewModel(businessInfo):
    jsonData = json.loads(businessInfo["result"]);
    approveResult = "1";
    # 默认为通过，如果不满足条件为3
    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"];
    creditInfoZ = jsonData["准贷记卡账户"];
    loanTradeInfoDf = jsonData["信贷交易信息提示"]
    # useRate = jsonData["使用率"]
    # queryRecordDetailDf = jsonData["信贷审批查询记录明细"]

    recoveryInfoSum = jsonData["信贷交易违约信息概要"]
    allAccountNum = null2Zero(loanTradeInfoDf["个人住房贷款账户数"]) + null2Zero(loanTradeInfoDf["个人商用房贷款（包括商住两用）账户数"]) \
                    + null2Zero(loanTradeInfoDf["其他类贷款账户数"]) + null2Zero(loanTradeInfoDf["贷记卡账户数"]) \
                    + null2Zero(loanTradeInfoDf["准贷记卡账户数"])
    # 公积金
    housingFundRcd = jsonData["住房公积金参缴记录"]
    rule = ""
    if null2Zero(parsePayRcdStatus["全账户近24月逾期期数大于或等于“3”的次数"]) >= 1 or null2Zero(
            parsePayRcdStatus["全账户近24月逾期期数大于或等于“1”的次数"]) >= 6:
        approveResult = "0"
        rule = "#1"
        rule += "#全账户近24月逾期期数大于或等于“3”的次数=" + str(parsePayRcdStatus["全账户近24月逾期期数大于或等于“3”的次数"])
        rule += "#全账户近24月逾期期数大于或等于“1”的次数=" + str(parsePayRcdStatus["全账户近24月逾期期数大于或等于“1”的次数"])
    elif (utils.toInt(null2Zero(badDebtsInfo["账户数"])) > 0) or null2Zero(badDebtsInfo["余额"]) > 0:
        approveResult = "0"
        rule = "#2"
        rule += "#呆账账户数=" + str(badDebtsInfo["账户数"])
    elif parsePayRcdStatus["贷款账户近24个月是否出现\"G\""] == "1" or parsePayRcdStatus["贷记卡账户近24个月是否出现\"G\""] == "1" \
            or parsePayRcdStatus["准贷记卡账户近24个月是否出现\"G\""] == "1" or parsePayRcdStatus["贷款账户近24个月是否出现\"Z\""] == "1":
        approveResult = "0"
        rule = "#3"
        rule += "#明细出现\"G\或者还款记录出现以资抵债\"Z\"=" + str(
            parsePayRcdStatus["贷款账户近24个月是否出现\"G\""] == "1" or parsePayRcdStatus["贷记卡账户近24个月是否出现\"G\""] == "1" \
            or parsePayRcdStatus["准贷记卡账户近24个月是否出现\"G\""] == "1" or parsePayRcdStatus["贷款账户近24个月是否出现\"Z\""] == "1")
    elif loanInfo.__contains__("当前贷款最大逾期期数") and null2Zero(loanInfo["当前贷款最大逾期期数"]) > 0:
        approveResult = "0"
        rule = "#4"
        rule += "#当前贷款最大逾期期数=" + str(loanInfo["当前贷款最大逾期期数"])
    elif creditInfo.__contains__("当前贷记卡最大逾期期数") and null2Zero(creditInfo["当前贷记卡最大逾期期数"]) > 0:
        approveResult = "0"
        rule = "#4"
        rule += "#当前贷记卡最大逾期期数=" + str(creditInfo["当前贷记卡最大逾期期数"])
    elif null2Zero(creditInfo["名下贷记卡数量-状态异常"]) > 0:
        approveResult = "0"
        rule = "#5"
        rule += "#名下贷记卡数量-状态异常=" + str(creditInfo["名下贷记卡数量-状态异常"])
    elif creditInfoZ.__contains__("名下准贷记卡数量-状态异常") and null2Zero(creditInfoZ["名下准贷记卡数量-状态异常"]) > 0:
        approveResult = "0"
        rule = "#6"
        rule += "#名下准贷记卡数量-状态异常=" + str(creditInfoZ["名下准贷记卡数量-状态异常"])
    elif null2Zero(recoveryInfoSum["垫款业务账户数"]) >= 3:  # 原来为>0
        approveResult = "0"
        rule = "#16"
        rule += "#垫款业务账户数=" + str(recoveryInfoSum["垫款业务账户数"])
    elif null2Zero(recoveryInfoSum["垫款业务余额"]) > 0:
        approveResult = "0"
        rule = "#17"
        rule += "#垫款业务余额=" + str(recoveryInfoSum["垫款业务余额"])
    # 白户
    elif allAccountNum == 0 and housingFundRcd["参缴日期"] == None:
        approveResult = "1"
        rule = "#18"
        rule += "#白户#无信贷交易明细"
    if isAutoApprove == "1":
        approveResult = "1"
    data = {"approveResult": approveResult, "rule": rule}
    return data;

#未上线
def callNewModelX(businessInfo):
    jsonData = json.loads(businessInfo["result"]);
    approveResult = "1";
    #默认为通过，如果不满足条件为3
    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"];
    creditInfoZ = jsonData["准贷记卡账户"];
    loanTradeInfoDf = jsonData["信贷交易信息提示"]
    useRate = jsonData["使用率"]
    queryRecordDetailDf = jsonData["信贷审批查询记录明细"]

    recoveryInfoSum = jsonData["信贷交易违约信息概要"]
    allAccountNum = null2Zero(loanTradeInfoDf["个人住房贷款账户数"])+null2Zero(loanTradeInfoDf["个人商用房贷款（包括商住两用）账户数"])\
                    +null2Zero(loanTradeInfoDf["其他类贷款账户数"])+null2Zero(loanTradeInfoDf["贷记卡账户数"])\
                    +null2Zero(loanTradeInfoDf["准贷记卡账户数"])

    loanAccountNum = null2Zero(loanTradeInfoDf["个人住房贷款账户数"]) + null2Zero(
        loanTradeInfoDf["个人商用房贷款（包括商住两用）账户数"]) + null2Zero(loanTradeInfoDf["其他类贷款账户数"])
    #公积金
    housingFundRcd = jsonData["住房公积金参缴记录"]
    rule = ""
    if null2Zero(parsePayRcdStatus["全账户近24月逾期期数大于或等于“3”的次数"])>=1 or null2Zero(parsePayRcdStatus["全账户近24月逾期期数大于或等于“1”的次数"])>=6:
        approveResult = "0"
        rule="#1"
        rule += "#全账户近24月逾期期数大于或等于“3”的次数=" + str(parsePayRcdStatus["全账户近24月逾期期数大于或等于“3”的次数"])
        rule += "#全账户近24月逾期期数大于或等于“1”的次数=" + str(parsePayRcdStatus["全账户近24月逾期期数大于或等于“1”的次数"])
    elif (utils.toInt(null2Zero(badDebtsInfo["账户数"]))>0) or null2Zero(badDebtsInfo["余额"])>0:
        approveResult = "0"
        rule="#2"
        rule += "#呆账账户数=" + str(badDebtsInfo["账户数"])
    elif parsePayRcdStatus["贷款账户近24个月是否出现\"G\""]=="1" or parsePayRcdStatus["贷记卡账户近24个月是否出现\"G\""]=="1" \
            or parsePayRcdStatus["准贷记卡账户近24个月是否出现\"G\""]=="1"  or  parsePayRcdStatus["贷款账户近24个月是否出现\"Z\""]=="1":
        approveResult = "0"
        rule="#3"
        rule += "#明细出现\"G\或者还款记录出现以资抵债\"Z\"=" + str(parsePayRcdStatus["贷款账户近24个月是否出现\"G\""]=="1" or parsePayRcdStatus["贷记卡账户近24个月是否出现\"G\""]=="1" \
            or parsePayRcdStatus["准贷记卡账户近24个月是否出现\"G\""]=="1"  or  parsePayRcdStatus["贷款账户近24个月是否出现\"Z\""]=="1")
    elif loanInfo.__contains__("当前贷款最大逾期期数") and null2Zero(loanInfo["当前贷款最大逾期期数"])>0:
        approveResult = "0"
        rule="#4"
        rule += "#当前贷款最大逾期期数=" + str(loanInfo["当前贷款最大逾期期数"])
    elif creditInfo.__contains__("当前贷记卡最大逾期期数") and null2Zero(creditInfo["当前贷记卡最大逾期期数"]) > 0:
        approveResult = "0"
        rule = "#4"
        rule += "#当前贷记卡最大逾期期数=" + str(creditInfo["当前贷记卡最大逾期期数"])
    elif null2Zero(creditInfo["名下贷记卡数量-状态异常"])>0:
        approveResult = "0"
        rule="#5"
        rule += "#名下贷记卡数量-状态异常=" + str(creditInfo["名下贷记卡数量-状态异常"])
    elif creditInfoZ.__contains__("名下准贷记卡数量-状态异常") and null2Zero(creditInfoZ["名下准贷记卡数量-状态异常"])>0:
        approveResult = "0"
        rule="#6"
        rule += "#名下准贷记卡数量-状态异常=" + str(creditInfoZ["名下准贷记卡数量-状态异常"])
    elif null2Zero(loanTradeInfoDf["贷记卡账户数"]) > 6 and null2Zero(useRate["贷记卡账户使用率（已用额度/授信总额）"]) > 0.9:
        approveResult = "3"  # 当前信用卡超过6笔且信用卡透支严重（余额/授信>90%）
        rule = "#6"
    elif (null2Zero(loanTradeInfoDf["个人住房贷款账户数"]) + null2Zero(loanTradeInfoDf["个人商用房贷款（包括商住两用）账户数"]) + null2Zero(
            loanTradeInfoDf["其他类贷款账户数"])
          + null2Zero(loanTradeInfoDf["贷记卡账户数"]) + null2Zero(loanTradeInfoDf["准贷记卡账户数"])) > 8 and \
            null2Zero(useRate["全账户使用率（已用额度/授信总额）"]) > 0.9:
        approveResult = "3"  # 全账户现在贷账户超过8且余额占比超90%
        rule = "#7"
    elif (loanAccountNum) > 6 and null2Zero(useRate["非循环贷账户使用率（已用额度/授信总额）"]) > 0.9:
        approveResult = "3"  # 当前贷款超过6笔且余额较多（余额/授信>90%）
        rule = "#8"
    elif null2Zero(queryRecordDetailDf["近1月查询次数"]) > 3:
        rule = "#9"  # 近1月总查询次数超过3次
        rule += "#近1月查询次数=" + str(null2Zero(queryRecordDetailDf["近1月查询次数"]))
    elif null2Zero(queryRecordDetailDf["最近1个月查询机构数"]) > 2:
        approveResult = "3"  # 近1月查询机构数超过2个
        rule = "#18"
        rule += "#最近1个月查询机构数=" + str(queryRecordDetailDf["最近1个月查询机构数"])
    elif null2Zero(queryRecordDetailDf["近3月查询次数"]) > 6:
        approveResult = "3"  # 近3月总查询超过6次
        rule = "#19"
        rule += "#近3月查询次数=" + str(queryRecordDetailDf["近3月查询次数"])
    elif null2Zero(queryRecordDetailDf["近6月查询次数贷款审批"]) > 6:
        approveResult = "3"  # 近半年“贷款审批”、“信用卡审批”和“担保资格审查”超过6次
        rule = "#20"
        rule += "#近6月查询次数贷款审批=" + str(queryRecordDetailDf["近6月查询次数贷款审批"])
    elif null2Zero(queryRecordDetailDf["近6月查询次数信用卡审批"]) > 6:
        approveResult = "3"  # 近半年“贷款审批”、“信用卡审批”和“担保资格审查”超过6次
        rule = "#21"
        rule += "#近6月查询次数信用卡审批=" + str(queryRecordDetailDf["近6月查询次数信用卡审批"])
    elif null2Zero(queryRecordDetailDf["最近6个月担保资格审查查询次数"]) > 6:
        approveResult = "3"
        rule = "#22"
        rule += "#最近6个月担保资格审查查询次数=" + str(queryRecordDetailDf["最近6个月担保资格审查查询次数"])
    elif null2Zero(queryRecordDetailDf["近3月查询次数贷款审批"]) > 4:
        approveResult = "3"  # 近3月“贷款审批”、“信用卡审批”和“担保资格审查”超过4次
        rule = "#10"
        rule += "#近3月查询次数贷款审批=" + str(queryRecordDetailDf["近3月查询次数贷款审批"])
    elif null2Zero(queryRecordDetailDf["近3月查询次数信用卡审批"]) > 4:
        approveResult = "3"  # 近3月“贷款审批”、“信用卡审批”和“担保资格审查”超过4次
        rule = "#11"
        rule += "#近3月查询次数信用卡审批=" + str(queryRecordDetailDf["近3月查询次数信用卡审批"])
    elif queryRecordDetailDf.__contains__("最近3个月担保资格审查查询次数") and null2Zero(queryRecordDetailDf["最近3个月担保资格审查查询次数"]) > 4:
        approveResult = "3"  # 近3月“贷款审批”、“信用卡审批”和“担保资格审查”超过4次
        rule = "#12"
        rule += "#最近3个月担保资格审查查询次数=" + str(queryRecordDetailDf["最近3个月担保资格审查查询次数"])
    elif null2Zero(queryRecordDetailDf["最近3个月查询机构数"]) > 3:
        approveResult = "3"  # 近3月查询机构数超过3个
        rule = "#14"
        rule += "#最近3个月查询机构数=" + str(queryRecordDetailDf["最近3个月查询机构数"])
    elif null2Zero(queryRecordDetailDf["近6月查询次数"]) > 10:
        approveResult = "3"  # 近半年总查询超过10次
        rule = "#15"
        rule += "#近6月查询次数=" + str(queryRecordDetailDf["近6月查询次数"])
    elif null2Zero(recoveryInfoSum["垫款业务账户数"])>=3:#原来为>0
        approveResult = "0"
        rule="#16"
        rule += "#垫款业务账户数=" + str(recoveryInfoSum["垫款业务账户数"])
    elif null2Zero(recoveryInfoSum["垫款业务余额"]) > 0:
        approveResult = "0"
        rule="#17"
        rule += "#垫款业务余额=" + str(recoveryInfoSum["垫款业务余额"])
    #白户
    elif allAccountNum==0 and housingFundRcd["参缴日期"]==None:
        approveResult = "1"
        rule = "#18"
        rule += "#白户#无信贷交易明细#审批通过"
    if isAutoApprove =="1":
        approveResult = "1"
    data = {"approveResult":approveResult,"rule":rule}
    return data;
if __name__ == '__main__':
    print(call_credit())