java-insagent-pc/src/main/java/com/ydtech/modules/fee/dto/vo/RuleAttrMappingVo.java

package com.ydtech.modules.fee.dto.vo;

import com.ydtech.constants.enums.InsurKind;
import com.ydtech.constants.enums.dict.insurance.VehicleType;
import com.ydtech.modules.ins.model.vo.CarInfoVo;
import com.ydtech.modules.ins.model.vo.CustomerInfoVo;
import com.ydtech.modules.ins.model.vo.KindInfoVo;
import com.ydtech.modules.order.entity.InsAreaCompany;
import com.ydtech.modules.order.entity.InsOrders;
import com.ydtech.modules.order.entity.api.bohai.constants.VehicleUsage;
import com.ydtech.modules.order.entity.api.dajia.constants.TypeVehicleMapping;
import com.ydtech.modules.protocol.entity.po.PtlNewCarJudgeRules;
import com.ydtech.modules.protocols.entity.po.PtlAgreementUndwrtRulesAttr;
import com.ydtech.utils.StringUtils;
import io.swagger.annotations.ApiModelProperty;
import lombok.Data;

import java.time.LocalDate;
import java.time.LocalDateTime;
import java.time.format.DateTimeFormatter;
import java.time.temporal.ChronoUnit;
import java.util.ArrayList;
import java.util.List;
import java.util.regex.Pattern;

/**
 * @author: tz
 * @description: 规则属性映射费用因子Vo
 * @create: 2024-2-28 08:35:57
 */
@Data
public class RuleAttrMappingVo {
    @ApiModelProperty(value = "因子属性Code")
    private String attrCode;

    @ApiModelProperty(value = "值")
    private String value;

    public RuleAttrMappingVo(String attrCode, String value) {
        this.attrCode = attrCode;
        this.value = value;
    }

    public static List<RuleAttrMappingVo> getRuleAttrMappingVoList(InsAreaCompany insAreaCompany, InsOrders insOrders,
                                                                   List<PtlAgreementUndwrtRulesAttr> undwrtRulesAttrList,
                                                                   PtlNewCarJudgeRules carJudgeRule) {
        List<RuleAttrMappingVo> ruleAttrMappingVoList = new ArrayList<>();
        CarInfoVo carInfo = insOrders.getCarinfo().toJavaObject(CarInfoVo.class);
        //车牌号
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("LicenseNo", carInfo.getLicenseNo()));
        //品牌型号
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("BrandandModel", carInfo.getModelcname()));
        //座位数
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("PassengerCarSeatingCapacity", carInfo.getSeatCount()));
        //新车购置价
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("PurchasePriceofNewVehicle", carInfo.getPurchasePrice()));
        //车辆用途
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("NatureOfUse", TypeVehicleMapping.getByCode(carInfo.getVehicleUse())));
        //车辆种类
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CarType", VehicleType.getByCode(carInfo.getCimodelclass())));
        //车辆类型
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CarClass", carInfo.getCartype()));
        //核定载质量
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("AuthorizedLoadWeight", carInfo.getLimitLoad()));
        //整备质量
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CurbWeight", carInfo.getVehicleweight()));
        //能源类型
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("NewEnergy", carInfo.getEnergyType()));
        //注册日期
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("RegistrationDate", carInfo.getRegisterDate()));
        //是否过户
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("TransferVehicle", carInfo.isTransferFlag() ? "1" : "0"));
        //是否新车
        //使用注册日期算出自然月 然后判断是否是新旧车
        LocalDate registrationDate = LocalDate.parse(carInfo.getRegisterDate());
        LocalDate currentDate = LocalDate.now();

        //交强起保日期
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("JqStartTime",insOrders.getJqstartdate()));

        //商业起保日期
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("SyStartTime",insOrders.getSystartdate()));

        boolean isNoLicenseFlag = false;
        if (carJudgeRule != null) {
            if (carJudgeRule.getUnitTypeCode().equals("天")) {
                long days = ChronoUnit.DAYS.between(registrationDate, currentDate);
                if (days < Integer.parseInt(carJudgeRule.getUnitTypeValue())) {
                    isNoLicenseFlag = true;
                }
            }
            if (carJudgeRule.getUnitTypeCode().equals("月")) {
                long months = ChronoUnit.MONTHS.between(registrationDate, currentDate);
                if (months < Integer.parseInt(carJudgeRule.getUnitTypeValue())) {
                    isNoLicenseFlag = true;
                }
            }
        }

        ruleAttrMappingVoList.add(new RuleAttrMappingVo("NewAndOldCars", isNoLicenseFlag ? "1" : "0"));

        //车龄
        long between = ChronoUnit.YEARS.between(registrationDate, currentDate) + 1;
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("VehicleAge",String.valueOf(between)));


        //发证日期
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("DateofIssuance", carInfo.getIssueDate()));
        //车长
//        ruleAttrMappingVoList.add(new RuleAttrMappingVo("VehicleLength", carInfo.getCarLength()));
        //转续保 交强
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("JqRenewalOfInsurance", insAreaCompany.getJqRenewal()));
        //转续保 商业
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("SyRenewalOfInsurance", insAreaCompany.getSyRenewal()));

        CustomerInfoVo ownerInfo = insOrders.getOwnerinfo().toJavaObject(CustomerInfoVo.class);
        if(StringUtils.isBlank(ownerInfo.getProperty()) || !"0".equals(ownerInfo.getProperty())) {
            //车主 证件号码（前6位）
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("CarOwnersIDNumber", ownerInfo.getIdentifyNumber()));
            //车主 年龄
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("CarOwnersAge", ownerInfo.getAge()));
            //车主 性别
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("CarOwnersSex", ownerInfo.getGender().equals("男") ? "1" : "2"));
        }
        //车主 姓名
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CarOwnerName", ownerInfo.getName()));

        CustomerInfoVo policyHolderInfo = insOrders.getApplyinfo().toJavaObject(CustomerInfoVo.class);
        if(StringUtils.isBlank(policyHolderInfo.getProperty()) || !"0".equals(policyHolderInfo.getProperty())) {
            //投保人 证件号码（前6位）
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("ApplicantIDNumber", policyHolderInfo.getIdentifyNumber()));
            //投保人 年龄
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("ApplicantAge", policyHolderInfo.getAge()));
            //投保人 性别
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("ApplicantSex", policyHolderInfo.getGender().equals("男") ? "1" : "2"));
        }

        CustomerInfoVo insuredPersonInfo = insOrders.getInsureinfo().toJavaObject(CustomerInfoVo.class);
        if(StringUtils.isBlank(insuredPersonInfo.getProperty()) || !"0".equals(insuredPersonInfo.getProperty())) {
            //被保人 证件号码（前6位）
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("InsuredIDNumber", insuredPersonInfo.getIdentifyNumber()));
            //被保人 年龄
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("InsuredAge", insuredPersonInfo.getAge()));
            //被保人 性别
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("InsuredSex", insuredPersonInfo.getGender().equals("男") ? "1" : "2"));
        }
        String OPIConsistent = "0";
        if(StringUtils.isNotBlank(ownerInfo.getProperty())){
            boolean boo = ownerInfo.getProperty().equals(insuredPersonInfo.getProperty()) && insuredPersonInfo.getProperty().equals(policyHolderInfo.getProperty());
            if(boo){
                if("0".equals(ownerInfo.getProperty())){
                    if((ownerInfo.getName().equals(insuredPersonInfo.getName()) && insuredPersonInfo.getName().equals(policyHolderInfo.getName())) &&
                            (ownerInfo.getOrganizationCode().equals(insuredPersonInfo.getOrganizationCode()) && insuredPersonInfo.getOrganizationCode().equals(policyHolderInfo.getOrganizationCode()))){
                        OPIConsistent = "1";
                    }
                }else{
                    if((ownerInfo.getName().equals(insuredPersonInfo.getName()) && insuredPersonInfo.getName().equals(policyHolderInfo.getName())) &&
                            (ownerInfo.getIdentifyNumber().equals(insuredPersonInfo.getIdentifyNumber()) && insuredPersonInfo.getIdentifyNumber().equals(policyHolderInfo.getIdentifyNumber()))){
                        OPIConsistent = "1";
                    }
                }
            }
        }else{
            if((ownerInfo.getName().equals(insuredPersonInfo.getName()) && insuredPersonInfo.getName().equals(policyHolderInfo.getName())) &&
                    (ownerInfo.getIdentifyNumber().equals(insuredPersonInfo.getIdentifyNumber()) && insuredPersonInfo.getIdentifyNumber().equals(policyHolderInfo.getIdentifyNumber()))){
                OPIConsistent = "1";
            }
        }

        ruleAttrMappingVoList.add(new RuleAttrMappingVo("OPIConsistent",OPIConsistent));

        String PIConsistent = "0";

        if(StringUtils.isNotBlank(insuredPersonInfo.getProperty())){
            boolean boo = insuredPersonInfo.getProperty().equals(policyHolderInfo.getProperty());
            if(boo){
                if("0".equals(insuredPersonInfo.getProperty())){
                    //投被保人是否一致
                    if(insuredPersonInfo.getName().equals(policyHolderInfo.getName()) && insuredPersonInfo.getOrganizationCode().equals(policyHolderInfo.getOrganizationCode())){
                        PIConsistent = "1";
                    }
                }else{
                    //投被保人是否一致
                    if(insuredPersonInfo.getName().equals(policyHolderInfo.getName()) && insuredPersonInfo.getIdentifyNumber().equals(policyHolderInfo.getIdentifyNumber())){
                        PIConsistent = "1";
                    }
                }
            }
        }else{
            //投被保人是否一致
            if(insuredPersonInfo.getName().equals(policyHolderInfo.getName()) && insuredPersonInfo.getIdentifyNumber().equals(policyHolderInfo.getIdentifyNumber())){
                PIConsistent = "1";
            }
        }

        ruleAttrMappingVoList.add(new RuleAttrMappingVo("PIConsistent",PIConsistent));

        //2024-06-20 起保日期 月份判断
        if(insAreaCompany.getJqStartDate() != null && !insAreaCompany.getJqStartDate().equals("")){
            LocalDateTime jqStartDate = LocalDateTime.parse(insAreaCompany.getJqStartDate(), DateTimeFormatter.ofPattern("yyyy-MM-dd HH:mm:ss"));
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("JqStartMonth", String.valueOf(jqStartDate.getMonthValue())));
        }
        if(insAreaCompany.getSyStartDate() != null && !insAreaCompany.getSyStartDate().equals("")) {
            LocalDateTime syStartDate = LocalDateTime.parse(insAreaCompany.getSyStartDate(), DateTimeFormatter.ofPattern("yyyy-MM-dd HH:mm:ss"));
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("SyStartMonth", String.valueOf(syStartDate.getMonthValue())));
        }

        List<KindInfoVo> kindInfoVos = insAreaCompany.getKindinfo().toJavaList(KindInfoVo.class);
        //险别信息
        kindInfoVos.forEach(kindInfoVo -> {
            //机动车损失险
            if (InsurKind.A.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("MotorVehicleDamageInsurance", String.valueOf(kindInfoVo.getAmount())));
            //第三者责任险
            if (InsurKind.B.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("ThirdPartyLiabilityInsurance",
                        String.valueOf(Double.valueOf(kindInfoVo.getAmount()).intValue())));
            //司机责任险
            if (InsurKind.D3.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("DriverLiabilityInsurance", String.valueOf(kindInfoVo.getAmount())));
            //乘客责任险
            if (InsurKind.D4.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("PassengerLiabilityInsurance", String.valueOf(kindInfoVo.getUnitAmount())));
            //车身划痕险
            if (InsurKind.L.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("CarScratchInsurance", String.valueOf(kindInfoVo.getAmount())));
            //绝对免赔率特约险（车损）
            if (InsurKind.MJ1.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("VehicleDamageAbsoluteDeductibleSpecialInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //绝对免赔率特约险（三者）
            if (InsurKind.MJ2.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("ThirdAbsoluteDeductibleSpecialInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //绝对免赔率特约险（司机）
            if (InsurKind.MJ3.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("DriverAbsoluteDeductibleSpecialInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //绝对免赔率特约险（乘客）
            if (InsurKind.MJ4.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("PassengerAbsoluteDeductibleSpecialInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //附加医保-三者
            if (InsurKind.SY_FJ_YBW1.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("ThirdPartyAdditionalMedicalInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //附加医保-座位险(乘客)
            if (InsurKind.SY_FJ_YBW2.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("PassengerAdditionalMedicalInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //附加医保-座位险(司机)
            if (InsurKind.SY_FJ_YBW3.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("DriverAdditionalMedicalInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //法定节假日限额翻倍险
            if (InsurKind.BD.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("LegalHolidayLimitDoublingInsurance",
                        String.valueOf(kindInfoVo.getAmount())));
            //道路救援服务特约条款
            if (InsurKind.TY1.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("RoadsideAssistanceServiceSpecialClause",
                        String.valueOf(kindInfoVo.getServiceTimes())));
            //车辆安全检测特约条款
            if (InsurKind.TY2.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("VehicleSafetyInspectionSpecialClause",
                        String.valueOf(kindInfoVo.getServiceTimes())));
            //代为驾驶服务特约条款
            if (InsurKind.TY3.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("SubstituteDrivingServiceSpecialClause",
                        String.valueOf(kindInfoVo.getServiceTimes())));
            //代为送检服务特约条款
            if (InsurKind.TY4.getCode().equals(kindInfoVo.getKindCode()))
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("SubstituteInspectionServiceSpecialClause",
                        String.valueOf(kindInfoVo.getServiceTimes())));
        });

        //交强保费
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CompulsoryTrafficAccidentLiabilityInsurancePremium",
                String.valueOf(insAreaCompany.getJqpremium())));
        //车船税
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("VehicleandVesselTax", String.valueOf(insAreaCompany.getTaxamount())));
        //非车险
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("NonMotorInsurance", String.valueOf(insAreaCompany.getJypremium())));
        //总折扣率
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("TotalDiscountRate", String.valueOf(insAreaCompany.getTotalAdjustRate())));
        //交强折扣
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CompulsoryInsuranceDiscount", String.valueOf(insAreaCompany.getJqAdjustRate())));
        //商业折扣
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CommercialDiscount", String.valueOf(insAreaCompany.getSyAdjustRate())));
        //数值型总评分
        Pattern pattern = Pattern.compile("[0-9]*");
        if (insAreaCompany.getScore() != null) {
            if (pattern.matcher(insAreaCompany.getScore()).matches()) {
                //数值型评分
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("NumericalOverallRating", String.valueOf(insAreaCompany.getScore())));
            } else {
                //字母型评分
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("CharacterBasedRating", String.valueOf(insAreaCompany.getScore())));
            }
        }
        //交强评分
        if (insAreaCompany.getJqScore() != null) {
            if (pattern.matcher(insAreaCompany.getJqScore()).matches()) {
                //数值型评分
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("CompulsoryInsuranceRating", String.valueOf(insAreaCompany.getJqScore())));
            } else {
                //字母型评分
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("JqCharacterBasedRating",
                        String.valueOf(insAreaCompany.getJqScore())));
            }
        }
//        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CompulsoryInsuranceRating", String.valueOf(insAreaCompany.getJqScore())));
        //商业评分
        if (insAreaCompany.getSyScore() != null) {
            if (pattern.matcher(insAreaCompany.getSyScore()).matches()) {
                //数值型评分
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("CommercialRating", String.valueOf(insAreaCompany.getSyScore())));
            } else {
                //字母型评分
                ruleAttrMappingVoList.add(new RuleAttrMappingVo("SyCharacterBasedRating",
                        String.valueOf(insAreaCompany.getSyScore())));
            }
        }
        //交强赔付率
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CompulsoryInsurancePayoutRate", String.valueOf(insAreaCompany.getJqLossRation())));
        //商业赔付率
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CommercialPayoutRate", String.valueOf(insAreaCompany.getSyLossRation())));
        //总赔付率
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("TotalPayoutRate", String.valueOf(insAreaCompany.getLossRation())));
        //太平绿黄红区
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("GreenYellowAndRedAreas", insAreaCompany.getTpColorScore()));
        if (insAreaCompany.getAccidentalDriving() != null) {
            //非车名称
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("NonCarName", insAreaCompany.getAccidentalDriving().getRideRiskName()));
            //非车份数
            ruleAttrMappingVoList.add(new RuleAttrMappingVo("NonCarQuantity",
                    String.valueOf(insAreaCompany.getAccidentalDriving().getQuantity())));
        }
        //真假单交
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("IsDJQ", insAreaCompany.getIsDjq()));
        //紫金鼎然评分
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("UbiPredictedInfoScore", insAreaCompany.getUbiPredictedInfoScore()));
        // 交强出险次数
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("JqNumberOfClaims", insAreaCompany.getJqClaims() == null ? "0" : insAreaCompany.getJqClaims()));
        // 商业出险次数
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("SyNumberOfClaims", insAreaCompany.getSyClaims() == null ? "0" : insAreaCompany.getSyClaims()));
        // 车牌地区
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("LicenseArea", insOrders.getLicenseno().substring(0,1)));
        // 系数
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("Coefficient", getCoefficient(carInfo,insAreaCompany).toString()));
        // 商业是否有费用
        ruleAttrMappingVoList.add(new RuleAttrMappingVo("CiMessage", (insAreaCompany.getCiMessage() == null || "".equals(insAreaCompany.getCiMessage())) ? "0" : "1"));
        return ruleAttrMappingVoList;
    }

    private static Float getCoefficient(CarInfoVo carInfo,InsAreaCompany insAreaCompany){
        Integer seatCount = Integer.parseInt(carInfo.getSeatCount());
        Float coefficient = 1.00f;

        //        ruleAttrMappingVoList.add(new RuleAttrMappingVo())
        //家庭自用车
        if(carInfo.getCimodelclass().equals(VehicleType.VT_A0.getCode()) &&
                carInfo.getVehicleUse().equals(TypeVehicleMapping.TM_05.getCode())){
            //2-5座
            if(seatCount >= 2 && seatCount <=5) {
                coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 950;
            }
            //6-9座
            if(seatCount >= 6 && seatCount <=9){
                coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 1100;
            }
        }else
            //非营业机关、企业
            if(carInfo.getCimodelclass().equals(VehicleType.VT_A0.getCode()) &&
                    (carInfo.getVehicleUse().equals(TypeVehicleMapping.TM_06.getCode()) ||
                            carInfo.getVehicleUse().equals(TypeVehicleMapping.TM_07.getCode()))){
                //2-5座
                if(seatCount >= 2 && seatCount <=5) {
                    coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 1000;
                }
                //6-9座
                if(seatCount >= 6 && seatCount <=9){
                    coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 1130;
                }
            }
            else
                //货车
                if(carInfo.getCimodelclass().equals(VehicleType.VT_A1.getCode()))
                {
                    //营业货运 2吨
                    if(carInfo.getVehicleUse().equals(TypeVehicleMapping.TM_04.getCode()) &&
                            Integer.parseInt(carInfo.getLimitLoad()) < 2000){
                        coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 1850;
                    }

                    //非营业货运 2吨
                    if(carInfo.getVehicleUse().equals(TypeVehicleMapping.TM_08.getCode()) &&
                            Integer.parseInt(carInfo.getLimitLoad()) < 2000){
                        coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 1200;
                    }

                    //大吨位
                    if(Integer.parseInt(carInfo.getLimitLoad()) > 2000){
                        coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 4480;
                    }
                }
                else
                    //出租车 网约车
                    if(carInfo.getCimodelclass().equals(VehicleType.VT_A0.getCode()) &&
                            carInfo.getVehicleUse().equals(TypeVehicleMapping.TM_01.getCode())){
                        coefficient = Float.parseFloat(insAreaCompany.getJqpremium().toString()) / 1800;
                    }

                    return coefficient;
    }

}