feat: 银行端

2025-12-20 12:43:50 +08:00
parent 9591234e70
commit 06df763ed4
21 changed files with 3473 additions and 230 deletions
--- a/src/typings/loan.ts
+++ b/src/typings/loan.ts
@@ -0,0 +1,105 @@
+/**
+ * 贷款相关类型定义
+ */
+
+/** 贷款申请状态 */
+export enum LoanStatus {
+  DRAFT = 'draft',                 // 草稿
+  SUBMITTED = 'submitted',         // 已提交
+  ACCEPTED = 'accepted',           // 已受理
+  INVESTIGATING = 'investigating', // 上门调查中
+  REPORTED = 'reported',           // 已上报
+  APPROVING = 'approving',         // 审批中
+  APPROVED = 'approved',           // 审批通过
+  REJECTED = 'rejected',           // 已拒绝
+  SIGNING = 'signing',             // 待签约
+  SIGNED = 'signed',               // 已签约
+  DISBURSED = 'disbursed',         // 已放款
+}
+
+/** 辅助材料类型 */
+export type MaterialType = 'order' | 'flow' | 'invoice' | 'other'
+
+/** 商家辅助材料 */
+export interface AssistMaterial {
+  merchantId: string
+  merchantName: string
+  loanApplicationId: string
+  materials: {
+    type: MaterialType  // 订单/流水/发票/其他
+    url: string
+    name?: string
+    uploadTime: string
+  }[]
+  submitTime: string
+  status: 'pending' | 'submitted' | 'refused' // 待提交/已提交/拒绝提供
+}
+
+/** 贷款申请关联的商家 */
+export interface RelatedMerchant {
+  merchantId: string
+  merchantName: string
+  logo?: string
+  lastTradeTime: string
+  selected: boolean
+  assistStatus: 'pending' | 'submitted' | 'refused' // 辅助材料状态
+  materials?: AssistMaterial
+}
+
+/** 银行流程节点记录 */
+export interface BankProcessRecord {
+  step: 'accept' | 'investigate' | 'report' | 'approve' | 'sign' | 'disburse'
+  operator: string
+  operateTime: string
+  result?: 'pass' | 'reject'
+  opinion?: string
+  attachments?: string[] // 附件，如调查报告
+}
+
+/** 贷款申请详情 */
+export interface LoanApplication {
+  id: string
+  userId: string
+  userName: string
+  userPhone: string
+  
+  // 关联的商家列表
+  relatedMerchants: RelatedMerchant[]
+  
+  // 申请信息
+  amount: number           // 申请金额(万)
+  term: number             // 期限(月/年)
+  status: LoanStatus
+  
+  // 个人信息
+  personalInfo: {
+    name: string
+    phone: string
+    idCard: string
+    region: string[]
+    detailAddress: string
+  }
+  
+  // 经营信息
+  businessInfo: {
+    businessProject: string
+    businessTime: string
+    annualIncome: number
+    hasDebt: 'yes' | 'no'
+    debtAmount?: number
+    loanDemand: number
+    assets: string[]
+  }
+  
+  // 证件信息
+  documentInfo: {
+    businessLicense: string
+    otherMaterials: string[]
+  }
+  
+  // 银行流程记录
+  processRecords: BankProcessRecord[]
+  
+  createTime: string
+  updateTime: string
+}