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read_pdf_plt
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hst_rule_set.py

hst_rule_set.py 12 KB
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  1. import json
    2. 

  2. 

  3. def null2Zero(value):
    4. 

  4.     if value == None:
    5. 

  5.         return 0
    6. 

  6.     else:
    7. 

  7.         return float(value)
    8. 

  8. 

  9. 

  10. def callLocal(businessInfo):
    11. 

  11.     jsonData = json.loads(businessInfo['result'])
    12. 

  12.     loanInfo = jsonData['贷款信息']
    13. 

  13.     badDebtsInfo = jsonData['呆账信息汇总']
    14. 

  14.     parsePayRcdStatus = jsonData['24期还款状态']
    15. 

  15.     creditInfo = jsonData['贷记卡账户']
    16. 

  16.     creditandloanSum=jsonData['信贷交易授信及负债信息概要']
    17. 

  17.     querySum=jsonData['查询记录汇总']
    18. 

  18.     newcreditInfo=jsonData['开户数']
    19. 

  19.     queryDetail=jsonData['信贷审批查询记录明细']
    20. 

  20.     useRate=jsonData['使用率']
    21. 

  21.     publicInfo=jsonData['公共信息概要']
    22. 

  22.     specialInfo=jsonData['特殊交易']
    23. 

  23.     creditoverdueInfo=jsonData['信贷交易违约信息概要']
    24. 

  24.     creditTradeInfo=jsonData['信贷交易信息提示']
    25. 

  25.     data1=jsonData['逾期（透支）信息汇总']
    26. 

  26.     hsz_data=jsonData['慧算账新增']
    27. 

  27. 

  28.     #信息过少
    29. 

  29.     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'])+\
    30. 

  30.         null2Zero(creditTradeInfo['其他类贷款账户数'])+null2Zero(creditTradeInfo['贷记卡账户数'])==0:
    31. 

  31.         return {"approveResult":'0',"rule":'F1'}
    32. 

  32.     # 贷记卡逾期
    33. 

  33.     elif null2Zero(creditInfo['当前贷记卡最大逾期金额'])>=500:
    34. 

  34.         return {"approveResult":'0',"rule":'A1'}
    35. 

  35.     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:
    36. 

  36.         return {"approveResult":'0',"rule":'A2'}
    37. 

  37.     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:
    38. 

  38.         return {"approveResult":'0',"rule":'A3'}
    39. 

  39.     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:
    40. 

  40.         return {"approveResult": '0', "rule": 'A4'}
    41. 

  41.     elif null2Zero(creditInfo['最近12个月贷记卡最大连续逾期月份数'])>1:
    42. 

  42.         return {"approveResult": '0', "rule": 'A5'}
    43. 

  43.     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 \
    44. 

  44.         or null2Zero(creditInfo['贷记卡24期还款记录次数'])<20):
    45. 

  45.         return {"approveResult": '0', "rule": 'A6'}
    46. 

  46.     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:
    47. 

  47.         return {"approveResult": '0', "rule": 'A7'}
    48. 

  48.     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:
    49. 

  49.         return {"approveResult": '0', "rule": 'A8'}
    50. 

  50.     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 \
    51. 

  51.            or null2Zero(badDebtsInfo['账户数'])>0 or null2Zero(data1['贷记卡账户最长逾期月数'])>=3:
    52. 

  52.         return {"approveResult": '0', "rule": 'A9'}
    53. 

  53.     #贷款逾期
    54. 

  54.     elif null2Zero(loanInfo['当前贷款最大逾期金额'])>0:
    55. 

  55.         return {"approveResult": '0', "rule": 'B1'}
    56. 

  56.     elif null2Zero(parsePayRcdStatus['贷款账户近3月逾期期数大于或等于“1”的次数'])>0:
    57. 

  57.         return {"approveResult": '0', "rule": 'B2'}
    58. 

  58.     elif null2Zero(parsePayRcdStatus['贷款账户近6月逾期期数大于或等于“1”的次数'])>1:
    59. 

  59.         return {"approveResult": '0', "rule": 'B3'}
    60. 

  60.     elif null2Zero(parsePayRcdStatus['贷款账户近12月逾期期数大于或等于“1”的次数'])>3:
    61. 

  61.         return {"approveResult": '0', "rule": 'B4'}
    62. 

  62.     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 \
    63. 

  63.             or null2Zero(loanInfo['贷款24期还款记录次数'])<22):
    64. 

  64.         return {"approveResult": '0', "rule": 'B5'}
    65. 

  65.     elif null2Zero(parsePayRcdStatus['贷款账户近24月逾期期数大于或等于“3”的次数'])>0:
    66. 

  66.         return {"approveResult": '0', "rule": 'B6'}
    67. 

  67.     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:
    68. 

  68.         return {"approveResult": '0', "rule": 'B7'}
    69. 

  69.     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\
    70. 

  70.         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:
    71. 

  71.         return {"approveResult": '0', "rule": 'B8'}
    72. 

  72.     #高负债
    73. 

  73.     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 \
    74. 

  74.         null2Zero(creditInfo['当前正常贷记卡已用额度'])>28500:
    75. 

  75.         return {"approveResult": '0', "rule": 'C1'}
    76. 

  76.     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 \
    77. 

  77.             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 \
    78. 

  78.             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):
    79. 

  79.         return {"approveResult": '0', "rule": 'C2'}
    80. 

  80.     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'])-\
    81. 

  81.         null2Zero(loanInfo['当前未结清个人经营性贷款余额总和'])>=100000:
    82. 

  82.         return {"approveResult": '0', "rule": 'C3'}
    83. 

  83.     elif null2Zero(creditInfo['当前正常贷记卡已用额度'])>=200000:
    84. 

  84.         return {"approveResult": '0', "rule": 'C4'}
    85. 

  85.     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 \
    86. 

  86.             null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>0.9) or \
    87. 

  87.             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:
    88. 

  88.         return {"approveResult": '0', "rule": 'C5'}
    89. 

  89.     elif (null2Zero(creditInfo['当前贷记卡本月应还金额总和'])!=0 and \
    90. 

  90.           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 \
    91. 

  91.             (null2Zero(loanInfo['当前贷款本月应还金额总和'])!=0 and \
    92. 

  92.             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 \
    93. 

  93.             (null2Zero(creditInfo['当前贷记卡本月应还金额总和'])!=0 and \
    94. 

  94.           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 \
    95. 

  95.             null2Zero(creditInfo['贷记卡账户当前总额度使用率'])>0.95):
    96. 

  96.         return {"approveResult": '0', "rule": 'C6'}
    97. 

  97.     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:
    98. 

  98.         return {"approveResult": '0', "rule": 'C7'}
    99. 

  99.     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:
    100. 

  100.         return {"approveResult": '0', "rule": 'C8'}
    101. 

  101.     #查询次数
    102. 

  102.     elif null2Zero(querySum['近1月内的查询次数-信用卡审批'])>=10:
    103. 

  103.         return {"approveResult": '0', "rule": 'D1'}
    104. 

  104.     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:
    105. 

  105.         return {"approveResult": '0', "rule": 'D2'}
    106. 

  106.     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:
    107. 

  107.         return {"approveResult": '0', "rule": 'D3'}
    108. 

  108.     elif null2Zero(queryDetail['近3月查询次数信用卡审批'])>=15:
    109. 

  109.         return {"approveResult": '0', "rule": 'D4'}
    110. 

  110.     elif null2Zero(querySum['近1月内的查询次数-贷款审批'])>=15:
    111. 

  111.         return {"approveResult": '0', "rule": 'D5'}
    112. 

  112.     elif null2Zero(querySum['近1月内的查询次数-贷款审批'])>=10 and \
    113. 

  113.             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:
    114. 

  114.         return {"approveResult": '0', "rule": 'D6'}
    115. 

  115.     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 \
    116. 

  116.         null2Zero(queryDetail['近3月查询次数贷款审批'])>=20:
    117. 

  117.         return {"approveResult": '0', "rule": 'D7'}
    118. 

  118.     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:
    119. 

  119.         return {"approveResult": '0', "rule": 'D8'}
    120. 

  120.     elif null2Zero(querySum['近1月内的查询次数-本人查询'])>=2:
    121. 

  121.         return {"approveResult": '0', "rule": 'D9'}
    122. 

  122.     #公共信息
    123. 

  123.     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:
    124. 

  124.         return {"approveResult": '0', "rule": 'G1'}
    125. 

  125.     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:
    126. 

  126.         return {"approveResult": '0', "rule": 'G2'}
    127. 

  127.     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:
    128. 

  128.         return {"approveResult": '0', "rule": 'G3'}
    129. 

  129.     elif null2Zero(publicInfo['强制执行信息-记录数'])>0:
    130. 

  130.         return {"approveResult": '0', "rule": 'G4'}
    131. 

  131.     #其它
    132. 

  132.     elif null2Zero(specialInfo['当前用户发生特殊交易的严重程度'])==1:
    133. 

  133.         return {"approveResult": '0', "rule": 'E1'}
    134. 

  134.     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 \
    135. 

  135.             (null2Zero(creditoverdueInfo['垫款业务账户数'])>0 and null2Zero(creditoverdueInfo['垫款业务余额'])>0) or \
    136. 

  136.         null2Zero(creditoverdueInfo['债权转移时属于催收状态的账户数'])>0 or \
    137. 

  137.             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:
    138. 

  138.         return {"approveResult": '0', "rule": 'E2'}
    139. 

  139.     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 \
    140. 

  140.         null2Zero(creditInfo['近6月贷记卡最大逾期期数'])>0:
    141. 

  141.         return {"approveResult": '0', "rule": 'E3'}
    142. 

  142.     elif null2Zero(creditandloanSum['相关还款责任账户总担保余额-担保责任'])>=500000:
    143. 

  143.         return {"approveResult": '0', "rule": 'E4'}
    144. 

  144.     elif null2Zero(hsz_data['最近6个月有贷款还款记录的月份数'])<3:
    145. 

  145.         return {"approveResult": '0', "rule": 'E5'}
    146. 

  146.     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:
    147. 

  147.         return {"approveResult": '0', "rule": 'E6'}
    148. 

  148.     elif null2Zero(hsz_data['贷款发放笔数'])==0:
    149. 

  149.         return {"approveResult": '0', "rule": 'E7'}
    150. 

  150.     else:
    151. 

  151.         return {"approveResult": '1', "rule": 'P'}
    152.