SFT/mock-server/routes/credit.js

// 授信管理(贷款申请)路由:list/detail/personal-loan-application(create/update)/
// enterprise-loan-application(create/update)。字段严格对齐 db/seedCredit.js 及前端
// PersonalLoanForm.vue / EnterpriseLoanForm.vue 实际提交结构。
import express from 'express'
import { loanApplications } from '../db/seedCredit.js'
import { nextId } from '../utils/id.js'
import { paginate } from '../utils/pagination.js'
import { sendOk, sendFail } from '../utils/response.js'
import { requireAuth } from '../middleware/requireAuth.js'

const router = express.Router()
router.use(requireAuth)

function nowStr() {
  return new Date().toISOString().slice(0, 19).replace('T', ' ')
}

function genLoanApplicationIdentity() {
  const id = nextId('loanApplication')
  return { id, loanApplicationId: `LA${String(id).padStart(8, '0')}` }
}

// ---------------- 贷款申请列表/详情 ----------------
router.post('/loan-application/list', (req, res) => {
  const { loanApplicationId, customerName, applicationType, applicationStatus, createDateStart, createDateEnd, page, pageSize } =
    req.body || {}
  let list = loanApplications
  if (loanApplicationId) list = list.filter((a) => a.loanApplicationId.includes(loanApplicationId))
  if (customerName) list = list.filter((a) => a.customerName && a.customerName.includes(customerName))
  if (applicationType) list = list.filter((a) => a.applicationType === applicationType)
  if (applicationStatus) list = list.filter((a) => a.applicationStatus === applicationStatus)
  if (createDateStart) list = list.filter((a) => a.createTime >= createDateStart)
  if (createDateEnd) list = list.filter((a) => a.createTime <= createDateEnd)
  list = [...list].sort((a, b) => (a.createTime < b.createTime ? 1 : -1))
  sendOk(res, paginate(list, page, pageSize))
})

router.post('/loan-application/detail', (req, res) => {
  const { loanApplicationId } = req.body || {}
  const app = loanApplications.find((a) => a.loanApplicationId === loanApplicationId)
  if (!app) return sendFail(res, '贷款申请单不存在', 404)
  sendOk(res, app)
})

// ---------------- 个人贷款申请 ----------------
router.post('/personal-loan-application/create', (req, res) => {
  const body = req.body || {}
  if (!body.channel) return sendFail(res, '所属渠道不能为空', 400)
  if (!body.loanProductCode) return sendFail(res, '贷款产品编号不能为空', 400)
  if (!body.goodsCategory) return sendFail(res, '商品类目不能为空', 400)
  if (!body.paymentCycle) return sendFail(res, '回款周期不能为空', 400)
  if (!body.singleOrderLimit) return sendFail(res, '单笔汇总订单限额不能为空', 400)
  if (body.financingRatio === undefined || body.financingRatio === null) return sendFail(res, '融资比例不能为空', 400)
  if (!body.loanTerm) return sendFail(res, '借款期限不能为空', 400)
  if (!body.orderFinancingTerm) return sendFail(res, '订单融资期限不能为空', 400)
  if (!body.loanAmount) return sendFail(res, '申请金额不能为空', 400)
  if (!body.businessScope) return sendFail(res, '经营范围不能为空', 400)
  if (!body.emergencyContactName) return sendFail(res, '紧急联系人姓名不能为空', 400)

  const { id, loanApplicationId } = genLoanApplicationIdentity()
  const now = nowStr()
  const entity = {
    ...body,
    id,
    loanApplicationId,
    applicationType: 'PERSONAL',
    applicationStatus: 'DRAFT',
    createdBy: 'admin',
    createTime: now,
    updateTime: now
  }
  loanApplications.push(entity)
  sendOk(res, loanApplicationId, '贷款申请草稿已提交')
})

router.post('/personal-loan-application/update', (req, res) => {
  const { loanApplicationId, ...rest } = req.body || {}
  const app = loanApplications.find((a) => a.loanApplicationId === loanApplicationId)
  if (!app) return sendFail(res, '贷款申请单不存在', 404)
  if (app.applicationStatus !== 'DRAFT') return sendFail(res, '仅草稿状态的贷款申请可修改', 400)
  Object.assign(app, rest, { updateTime: nowStr() })
  sendOk(res, true, '修改成功')
})

// ---------------- 企业贷款申请 ----------------
router.post('/enterprise-loan-application/create', (req, res) => {
  const body = req.body || {}
  if (!body.channel) return sendFail(res, '所属渠道不能为空', 400)
  if (!body.loanProductCode) return sendFail(res, '贷款产品编号不能为空', 400)
  if (!body.enterpriseName) return sendFail(res, '企业客户不能为空', 400)
  if (!body.goodsCategory) return sendFail(res, '商品类目不能为空', 400)
  if (!body.paymentCycle) return sendFail(res, '回款周期不能为空', 400)
  if (!body.singleOrderLimit) return sendFail(res, '单笔汇总订单限额不能为空', 400)
  if (body.financingRatio === undefined || body.financingRatio === null) return sendFail(res, '融资比例不能为空', 400)
  if (!body.loanTerm) return sendFail(res, '借款期限不能为空', 400)
  if (!body.orderFinancingTerm) return sendFail(res, '订单融资期限不能为空', 400)
  if (!body.loanAmount) return sendFail(res, '申请金额不能为空', 400)
  if (!body.businessScope) return sendFail(res, '经营范围不能为空', 400)
  if (!body.legalPersonName) return sendFail(res, '法人姓名不能为空', 400)
  if (!body.legalPersonCertId) return sendFail(res, '法人证件号码不能为空', 400)
  if (!body.emergencyContactName) return sendFail(res, '紧急联系人姓名不能为空', 400)

  const { id, loanApplicationId } = genLoanApplicationIdentity()
  const now = nowStr()
  const entity = {
    ...body,
    id,
    loanApplicationId,
    applicationType: 'BUSINESS',
    applicationStatus: 'DRAFT',
    createdBy: 'admin',
    createTime: now,
    updateTime: now
  }
  loanApplications.push(entity)
  sendOk(res, { loanApplicationId }, '贷款申请草稿已提交')
})

router.post('/enterprise-loan-application/update', (req, res) => {
  const { loanApplicationId, ...rest } = req.body || {}
  const app = loanApplications.find((a) => a.loanApplicationId === loanApplicationId)
  if (!app) return sendFail(res, '贷款申请单不存在', 404)
  if (app.applicationStatus !== 'DRAFT') return sendFail(res, '仅草稿状态的贷款申请可修改', 400)
  Object.assign(app, rest, { updateTime: nowStr() })
  sendOk(res, true, '修改成功')
})

export default router