feat: 贷款模块后端 — 申请+审批+放款

2026-04-28 20:53:00 +08:00
parent a323b7da8e
commit c426a5e7f6
4 changed files with 316 additions and 0 deletions
@@ -0,0 +1,112 @@
+<?php
+
+namespace App\Http\Controllers\Admin;
+
+use App\Loan;
+use App\UsersWallet;
+use App\AccountLog;
+use Illuminate\Http\Request;
+use Illuminate\Support\Facades\DB;
+
+class LoanController extends Controller
+{
+    public function index()
+    {
+        return view('manages.loan.index');
+    }
+
+    public function list(Request $request)
+    {
+        $limit = $request->input('limit', 20);
+        $status = $request->input('status', '');
+
+        $query = Loan::query()
+            ->leftJoin('users', 'loan.user_id', '=', 'users.id')
+            ->select('loan.*', 'users.phone as user_phone', 'users.email as user_email', 'users.account_number');
+
+        if ($status !== '') {
+            $query->where('loan.status', $status);
+        }
+
+        $keyword = $request->input('keyword');
+        if ($keyword) {
+            $query->where(function ($q) use ($keyword) {
+                $q->where('loan.user_id', $keyword)
+                  ->orWhere('users.phone', 'like', "%{$keyword}%")
+                  ->orWhere('users.email', 'like', "%{$keyword}%");
+            });
+        }
+
+        $data = $query->orderBy('loan.id', 'desc')->paginate($limit);
+
+        return $this->layuiData($data);
+    }
+
+    public function approve(Request $request)
+    {
+        $id = $request->input('id');
+        $loan = Loan::find($id);
+        if (!$loan) return $this->error('Loan not found');
+        if ($loan->status != 0) return $this->error('Loan already processed');
+
+        DB::beginTransaction();
+        try {
+            $wallet = UsersWallet::where('user_id', $loan->user_id)
+                ->where('currency', 3)->lockForUpdate()->first();
+            if (!$wallet) {
+                DB::rollBack();
+                return $this->error('User wallet not found');
+            }
+
+            $before = $wallet->legal_balance;
+            $wallet->legal_balance = bc_add($wallet->legal_balance, $loan->amount, 6);
+            $wallet->save();
+
+            AccountLog::insertLog(
+                [
+                    'user_id' => $loan->user_id,
+                    'value' => $loan->amount,
+                    'created_time' => time(),
+                    'info' => 'Loan Approved - ' . $loan->institution,
+                    'type' => AccountLog::USER_LOAN_ORDER_BUY,
+                    'currency' => 3,
+                ],
+                [
+                    'balance_type' => 1,
+                    'wallet_id' => $wallet->id,
+                    'lock_type' => 0,
+                    'before' => $before,
+                    'change' => $loan->amount,
+                    'after' => $wallet->legal_balance,
+                    'create_time' => time(),
+                ]
+            );
+
+            $loan->status = 1;
+            $loan->update_time = now();
+            $loan->save();
+
+            DB::commit();
+            return $this->success('Loan approved');
+        } catch (\Exception $e) {
+            DB::rollBack();
+            return $this->error('Error: ' . $e->getMessage());
+        }
+    }
+
+    public function reject(Request $request)
+    {
+        $id = $request->input('id');
+        $remark = $request->input('remark', '');
+        $loan = Loan::find($id);
+        if (!$loan) return $this->error('Loan not found');
+        if ($loan->status != 0) return $this->error('Loan already processed');
+
+        $loan->status = 2;
+        $loan->remark = $remark;
+        $loan->update_time = now();
+        $loan->save();
+
+        return $this->success('Loan rejected');
+    }
+}
@@ -0,0 +1,74 @@
+<?php
+
+namespace App\Http\Controllers\Api;
+
+use App\Http\Controllers\Api\Controller;
+use App\Loan;
+use App\UsersWallet;
+use App\AccountLog;
+use Illuminate\Http\Request;
+use App\Token;
+use App\Users;
+use Illuminate\Support\Facades\DB;
+
+class LoanController extends Controller
+{
+    public function institution()
+    {
+        $name = DB::table('settings')->where('key', 'loan_institution')->value('value') ?? 'Global Finance';
+        return $this->success(['institution' => $name]);
+    }
+
+    public function submit(Request $request)
+    {
+        $user_id = Token::getUserIdByToken(Token::getToken());
+        $user = \App\Users::find($user_id);
+        if (!$user) return $this->error('Please login first');
+
+        $amount = $request->input('amount');
+        $card_image = $request->input('card_image', '');
+        $cardbm_image = $request->input('cardbm_image', '');
+        $hand_image = $request->input('hand_image', '');
+
+        if (!$amount || !is_numeric($amount) || $amount <= 0) {
+            return $this->error('Please enter a valid amount');
+        }
+        if (!$card_image || !$cardbm_image || !$hand_image) {
+            return $this->error('Please upload all required documents');
+        }
+
+        $pending = Loan::where('user_id', $user->id)->where('status', 0)->first();
+        if ($pending) {
+            return $this->error('You already have a pending loan application');
+        }
+
+        $institution = DB::table('settings')->where('key', 'loan_institution')->value('value') ?? 'Global Finance';
+
+        Loan::create([
+            'user_id' => $user->id,
+            'amount' => $amount,
+            'card_image' => $card_image,
+            'cardbm_image' => $cardbm_image,
+            'hand_image' => $hand_image,
+            'institution' => $institution,
+            'status' => 0,
+            'create_time' => now(),
+        ]);
+
+        return $this->success('Loan application submitted successfully');
+    }
+
+    public function myLoans(Request $request)
+    {
+        $user_id = Token::getUserIdByToken(Token::getToken());
+        $user = \App\Users::find($user_id);
+        if (!$user) return $this->error('Please login first');
+
+        $list = Loan::where('user_id', $user->id)->orderBy('id', 'desc')->limit(20)->get();
+        $statusMap = ['0' => 'Pending', '1' => 'Approved', '2' => 'Rejected'];
+        foreach ($list as $item) {
+            $item->status_text = $statusMap[$item->status] ?? '';
+        }
+        return $this->success($list);
+    }
+}