在贷-未处理负数Done,金额=放款-退款-还款

审计第二阶段/去哪儿/在贷-林芳版本/在贷.py

@@ -49,7 +49,7 @@ def zaidai(listen_time,user_plan_2016='repayment_plan_2016',user_plan_2017='repa
     sql_pre_refund = '''
     select product_no,-sum(refund_principle) pre_refund_principle from 
     qunaer_new.refund_detail
-    where refund_time < '%s' AND fund_code=1 AND flow_id is NULL AND refund_status = 1
+    where refund_time < '%s' AND fund_code=1  AND refund_status = 1
     GROUP by 1
     ''' % listen_time
     # ==观察点时间前的还款
@@ -59,43 +59,30 @@ def zaidai(listen_time,user_plan_2016='repayment_plan_2016',user_plan_2017='repa
     where repay_time < '%s' AND fund_code = 1 AND repay_status = 1
     GROUP by 1
     ''' % listen_time
-    # ==观察点时间前的退款
-    sql_pre_repay2 = '''
-    select product_no,-sum(refund_principle)  pre_repay_principle from 
-    qunaer_new.refund_detail
-    where refund_time < '%s' AND fund_code = 1 and flow_id is not NULL AND refund_status = 1
-    GROUP by 1
-    ''' % listen_time
+
     ##==观察点时间后的退款
     sql_after_refund = '''
     select t1.product_no ,-sum(refund_principle) after_refund_principle from 
     qunaer_new.refund_detail t1
     JOIN qunaer_new.pay_detail t2 on t1.product_no = t2.product_no
-    where  t1.refund_time >= '%s' AND t1.fund_code = 1 AND t1.flow_id is NULL AND t2.status = 1
+    where  t1.refund_time >= '%s' AND t2.trans_time < '%s' AND t1.fund_code = 1   AND t2.status = 1 AND t1.refund_status =1
     GROUP by 1
-    ''' % (listen_time)
+    ''' % (listen_time,listen_time)
     ##==观察点时间后的还款
     sql_after_repay = '''
     select t1.product_no ,sum(repay_principle) after_repay_principle from 
     qunaer_new.repay_detail t1
     JOIN qunaer_new.pay_detail t2 on t1.product_no = t2.product_no
-    where t1.repay_time >= '%s' AND t1.fund_code = 1 AND t2.status=1 AND t1.repay_status = 1
-    GROUP by 1
-    ''' % (listen_time)
-    ##==观察点时间后的退款
-    sql_after_repay2 = '''
-    select t1.product_no ,-sum(refund_principle) after_repay_principle from 
-    qunaer_new.refund_detail t1
-    JOIN qunaer_new.pay_detail t2 on t1.product_no = t2.product_no
-    where  t1.refund_time >= '%s' AND t1.fund_code = 1 AND t1.flow_id is not NULL AND t2.status= 1 AND t1.refund_status = 1
+    where t1.repay_time >= '%s' AND t2.trans_time < '%s' AND t1.fund_code = 1 AND t2.status=1 AND t1.repay_status = 1
     GROUP by 1
-    ''' % (listen_time)
+    ''' % (listen_time,listen_time)
+
     ##==未到期的,user_plan_2016
     sql_after_deadline = '''
     select t1.product_no,sum(principle) after_deadline
     from %s t1
     JOIN qunaer_new.pay_detail t2 on t1.product_no = t2.product_no 
-    where t2.loan_time < '%s' AND t1.status = 1 AND t1.deadline >= '%s' AND t2.fund_code = 1
+    where t2.trans_time < '%s' AND t1.status = 1 AND t1.deadline >= '%s' AND t2.fund_code = 1
     GROUP by 1
     ''' % (user_plan_2016,listen_time, listen_time)
     ##==未到期的,user_plan_2017
@@ -103,17 +90,10 @@ def zaidai(listen_time,user_plan_2016='repayment_plan_2016',user_plan_2017='repa
     select t1.product_no,sum(principle) after_deadline
     from %s t1
     JOIN qunaer_new.pay_detail t2 on t1.product_no = t2.product_no 
-    where t2.loan_time < '%s' AND t1.status = 1 AND t1.deadline >= '%s' AND t1.fund_code = 1 AND t2.status = 1
+    where t2.trans_time < '%s' AND t1.status = 1 AND t1.deadline >= '%s' AND t1.fund_code = 1 AND t2.status = 1
     GROUP by 1
     ''' % (user_plan_2017,listen_time, listen_time)
-    #==债转后的未到期的还款计划
-    sql_after_deadline_baoli = '''
-    select t1.product_no,sum(principle) after_deadline
-    from qunaer_new.repayment_plan_2017 t1
-    JOIN qunaer_new.baoli_pay_detail t2 on t1.product_no = t2.product_no 
-    where t2.trans_time < '%s' AND t1.status = 1 AND t1.deadline >= '%s' AND t1.fund_code = 1
-    GROUP by 1
-    ''' % (listen_time, listen_time)
+
     # all 放款
     df_loan = pd.read_sql(sql_loan, engine_qunaer)
     df_loan_1 = pd.read_sql(sql_loan_2, engine_qunaer)
@@ -121,19 +101,13 @@ def zaidai(listen_time,user_plan_2016='repayment_plan_2016',user_plan_2017='repa
     #== 观察点前的退还款
     df_pre_refund = pd.read_sql(sql_pre_refund, engine_qunaer)
     df_pre_repay = pd.read_sql(sql_pre_repay, engine_qunaer)
-    df_pre_repay2 = pd.read_sql(sql_pre_repay2, engine_qunaer)
-    df_pre_repay = pd.concat([df_pre_repay, df_pre_repay2], ignore_index=True)
     # == 观察点后的退还款
     df_after_refund = pd.read_sql(sql_after_refund, engine_qunaer)
     df_after_repay = pd.read_sql(sql_after_repay, engine_qunaer)
-    df_after_repay2 = pd.read_sql(sql_after_repay2, engine_qunaer)
-    df_after_repay = pd.concat([df_after_repay, df_after_repay2], ignore_index=True)
     #未到期的
-    df_after_deadline = pd.read_sql(sql_after_deadline, engine_qunaer)
+    df_after_deadline_2016 = pd.read_sql(sql_after_deadline, engine_qunaer)
     df_after_deadline_2017 = pd.read_sql(sql_after_deadline_2017, engine_qunaer)
-    df_after_deadline_baoli = pd.read_sql(sql_after_deadline_baoli, engine_qunaer)
-    df_after_deadline = pd.concat([df_after_deadline, df_after_deadline_2017, df_after_deadline_baoli],
-                                  ignore_index=True)
+    df_after_deadline = pd.concat([df_after_deadline_2016, df_after_deadline_2017,],ignore_index=True)
     df_after_deadline = df_after_deadline.groupby(['product_no'])['after_deadline'].sum().reset_index()
     #==合并
     df = pd.merge(df_loan, df_pre_refund, on='product_no', how='left')
@@ -143,6 +117,8 @@ def zaidai(listen_time,user_plan_2016='repayment_plan_2016',user_plan_2017='repa
     df = pd.merge(df, df_after_deadline, on='product_no', how='left')
     df.fillna(0, inplace=True)
     df['zaidai'] = np.round(df['loan_amount'] - df['pre_refund_principle'] - df['pre_repay_principle'], 2)
+    #== 剔除在贷为 0 的数据
+    df=df.ix[df.zaidai != 0]
     df['贷后还款'] = np.round(df['after_refund_principle'] + df['after_repay_principle'] + df['after_deadline'], 2)
     df['剩余'] = np.round(
         df['loan_amount'] - df['pre_refund_principle'] - df['pre_repay_principle'] - df['after_refund_principle'] - df[