/**
 * 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
}