feat: 银行端

src/api/loan.ts

@@ -0,0 +1,231 @@
+// import { request } from '@/utils/http'
+import type { LoanApplication, RelatedMerchant, AssistMaterial } from '@/typings/loan'
+import { LoanStatus } from '@/typings/loan'
+
+/**
+ * [用户端] 获取用户交易过的商家列表
+ */
+export function getUserMerchants() {
+  // Mock数据
+  return new Promise<{ list: RelatedMerchant[] }>((resolve) => {
+    setTimeout(() => {
+      resolve({
+        list: [
+          {
+            merchantId: 'M001',
+            merchantName: '乐高玩具旗舰店',
+            lastTradeTime: '2025-12-01',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M002',
+            merchantName: '迪士尼官方店',
+            lastTradeTime: '2025-11-20',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M003',
+            merchantName: '泡泡玛特',
+            lastTradeTime: '2025-11-15',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M004',
+            merchantName: '奥特曼官方玩具店',
+            lastTradeTime: '2025-11-10',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M005',
+            merchantName: '玩具反斗城',
+            lastTradeTime: '2025-11-05',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M006',
+            merchantName: 'KidsLand',
+            lastTradeTime: '2025-10-20',
+            selected: false,
+            assistStatus: 'pending'
+          }
+        ]
+      })
+    }, 500)
+  })
+}
+
+/**
+ * [用户端] 提交贷款申请
+ */
+export function submitLoanApplication(data: any) {
+  return new Promise<{ id: string }>((resolve) => {
+    setTimeout(() => {
+      resolve({ id: `LA${Date.now()}` })
+    }, 1000)
+  })
+}
+
+// 模拟数据库
+let mockDatabase: LoanApplication[] = []
+
+/**
+ * [银行端] 获取贷款申请列表
+ */
+export function getLoanApplicationList(params: any) {
+  return new Promise<{ list: LoanApplication[], total: number }>((resolve) => {
+    setTimeout(() => {
+      // 如果没有数据，初始化一些 Mock 数据
+      if (mockDatabase.length === 0) {
+        mockDatabase = [
+          {
+            id: 'LA20251219001',
+            userId: 'U001',
+            userName: '张三',
+            userPhone: '13800138000',
+            amount: 50,
+            term: 1,
+            status: LoanStatus.SUBMITTED,
+            createTime: '2025-12-19 10:00:00',
+            updateTime: '2025-12-19 10:00:00',
+            relatedMerchants: [
+              {
+                merchantId: 'M001',
+                merchantName: '乐高玩具旗舰店',
+                lastTradeTime: '2025-12-01',
+                selected: true,
+                assistStatus: 'pending'
+              }
+            ],
+            personalInfo: {
+              name: '张三',
+              phone: '13800138000',
+              idCard: '440106199001011234',
+              region: ['广东省', '广州市', '天河区'],
+              detailAddress: '天河路1号'
+            },
+            businessInfo: {
+              businessProject: '玩具零售',
+              businessTime: '3年',
+              annualIncome: 100,
+              hasDebt: 'no',
+              loanDemand: 50,
+              assets: ['house', 'car']
+            },
+            documentInfo: {
+              businessLicense: 'https://via.placeholder.com/150',
+              otherMaterials: []
+            },
+            processRecords: []
+          }
+        ]
+      }
+      
+      resolve({
+        list: mockDatabase,
+        total: mockDatabase.length
+      })
+    }, 500)
+  })
+}
+
+/**
+ * [银行端] 获取贷款申请详情
+ */
+export function getLoanApplicationDetail(id: string) {
+  return new Promise<LoanApplication>((resolve, reject) => {
+    setTimeout(() => {
+      const item = mockDatabase.find(i => i.id === id)
+      if (item) {
+        resolve(item)
+      } else {
+        // Fallback for demo
+        if (mockDatabase.length > 0) resolve(mockDatabase[0])
+        else reject('Not found')
+      }
+    }, 500)
+  })
+}
+
+/**
+ * [银行端] 流程操作
+ */
+export function operateLoanApplication(id: string, action: string, data?: any) {
+  return new Promise<void>((resolve) => {
+    setTimeout(() => {
+      const item = mockDatabase.find(i => i.id === id)
+      if (item) {
+        // 更新状态逻辑
+        switch (action) {
+          case 'accept': item.status = LoanStatus.ACCEPTED; break;
+          case 'investigate': item.status = LoanStatus.INVESTIGATING; break;
+          case 'report': item.status = LoanStatus.REPORTED; break;
+          case 'approve': item.status = LoanStatus.APPROVED; break;
+          case 'sign': item.status = LoanStatus.SIGNED; break;
+          case 'disburse': item.status = LoanStatus.DISBURSED; break;
+          case 'reject': item.status = LoanStatus.REJECTED; break;
+        }
+        
+        // 添加记录
+        item.processRecords.push({
+          step: action as any,
+          operator: '银行管理员',
+          operateTime: new Date().toLocaleString(),
+          ...data
+        })
+      }
+      resolve()
+    }, 500)
+  })
+}
+
+/**
+ * [商家端] 获取待办列表
+ */
+export function getMerchantPendingAssistList() {
+  return new Promise<{ list: any[] }>((resolve) => {
+    setTimeout(() => {
+      // 找到所有关联了当前商家的未处理申请
+      // 这里简化逻辑，直接返回 Mock
+      resolve({
+        list: [
+          {
+            loanId: 'LA20251219001',
+            userName: '张三',
+            applyTime: '2025-12-19 10:00:00',
+            amount: 50,
+            status: 'pending'
+          }
+        ]
+      })
+    }, 500)
+  })
+}
+
+/**
+ * [商家端] 提交辅助材料
+ */
+export function submitAssistMaterial(loanId: string, materials: any[]) {
+  return new Promise<void>((resolve) => {
+    setTimeout(() => {
+      const item = mockDatabase.find(i => i.id === loanId) 
+      // 简化：更新第一个匹配的商家状态
+      if (item && item.relatedMerchants.length > 0) {
+        item.relatedMerchants[0].assistStatus = 'submitted'
+        item.relatedMerchants[0].materials = {
+          merchantId: item.relatedMerchants[0].merchantId,
+          merchantName: item.relatedMerchants[0].merchantName,
+          loanApplicationId: loanId,
+          materials: materials,
+          submitTime: new Date().toLocaleString(),
+          status: 'submitted'
+        }
+      }
+      resolve()
+    }, 800)
+  })
+}