网贷合规利率

复制import requests

# 获取最新 LPR（贷款市场报价利率）
def get_lpr():
    # 中国人民银行授权全国银行间同业拆借中心公布
    url = "https://www.chinamoney.com.cn/ags/ms/cm-u-bk-currency/SddsCurrChrt"
    try:
        resp = requests.get(url, timeout=10)
        resp.raise_for_status()
        data = resp.json()
        # 假设返回结构：{"records": [{"lpr1Y": "3.45"}]}
        lpr = float(data["records"][0]["lpr1Y"])
        return lpr
    except Exception as e:
        print(f"获取 LPR 失败: {e}")
        return None

# 判定贷款利率是否合法
def check_loan_legal(annual_rate: float, lpr: float) -> str:
    threshold = 4 * lpr
    if annual_rate <= threshold:
        return f"合法（年利率 {annual_rate:.2f}% ≤ 4×LPR {threshold:.2f}%）"
    else:
        return f"非法（年利率 {annual_rate:.2f}% > 4×LPR {threshold:.2f}%）"

# 示例
lpr = get_lpr()
if lpr:
    print(check_loan_legal(15.4, lpr))  # 假设 LPR=3.85%，15.4% 刚好等于 4 倍红线
    print(check_loan_legal(20.0, lpr))  # 超过红线

复制package main

import (
	"encoding/json"
	"fmt"
	"io"
	"net/http"
)

// LPRResponse 模拟中国人民银行 API 返回结构
type LPRResponse struct {
	Records []struct {
		LPR1Y string `json:"lpr1Y"`
	} `json:"records"`
}

// getLPR 获取最新一年期 LPR
func getLPR() (float64, error) {
	url := "https://www.chinamoney.com.cn/ags/ms/cm-u-bk-currency/SddsCurrChrt"
	resp, err := http.Get(url)
	if err != nil {
		return 0, err
	}
	defer resp.Body.Close()

	body, err := io.ReadAll(resp.Body)
	if err != nil {
		return 0, err
	}

	var data LPRResponse
	if err := json.Unmarshal(body, &data); err != nil {
		return 0, err
	}

	if len(data.Records) == 0 {
		return 0, fmt.Errorf("no LPR data")
	}

	var lpr float64
	if _, err := fmt.Sscanf(data.Records[0].LPR1Y, "%f", &lpr); err != nil {
		return 0, err
	}
	return lpr, nil
}

// checkLoanLegal 判定贷款利率是否超过 4 倍 LPR 红线
func checkLoanLegal(annualRate, lpr float64) string {
	threshold := 4 * lpr
	if annualRate <= threshold {
		return fmt.Sprintf("合法（年利率 %.2f%% ≤ 4×LPR %.2f%%）", annualRate, threshold)
	}
	return fmt.Sprintf("非法（年利率 %.2f%% > 4×LPR %.2f%%）", annualRate, threshold)
}

func main() {
	lpr, err := getLPR()
	if err != nil {
		fmt.Println("获取 LPR 失败:", err)
		return
	}
	fmt.Println(checkLoanLegal(15.4, lpr)) // 假设 LPR=3.85%
	fmt.Println(checkLoanLegal(20.0, lpr))
}

复制// 获取最新 LPR（浏览器环境示例，实际需处理 CORS）
async function getLPR() {
  const url = 'https://www.chinamoney.com.cn/ags/ms/cm-u-bk-currency/SddsCurrChrt';
  try {
    const resp = await fetch(url);
    if (!resp.ok) throw new Error(`HTTP ${resp.status}`);
    const data = await resp.json();
    // 假设返回结构：{ records: [{ lpr1Y: "3.45" }] }
    return parseFloat(data.records[0].lpr1Y);
  } catch (err) {
    console.error('获取 LPR 失败:', err);
    return null;
  }
}

// 判定贷款利率是否合法
function checkLoanLegal(annualRate, lpr) {
  const threshold = 4 * lpr;
  if (annualRate <= threshold) {
    return `合法（年利率 ${annualRate.toFixed(2)}% ≤ 4×LPR ${threshold.toFixed(2)}%）`;
  }
  return `非法（年利率 ${annualRate.toFixed(2)}% > 4×LPR ${threshold.toFixed(2)}%）`;
}

// 示例
(async () => {
  const lpr = await getLPR();
  if (lpr !== null) {
    console.log(checkLoanLegal(15.4, lpr)); // 假设 LPR=3.85%
    console.log(checkLoanLegal(20.0, lpr));
  }
})();