【对比Python】逆分组

任务:列出分期贷款明细,当期还款额、当期利息、当期本金、剩余本金。

Python

1 import numpy as np
2 import pandas as pd
3 loan_data = pd.read_csv('E:\\txt\\loan.csv',sep='\t')
4 loan_data['mrate'] = loan_data['Rate']/(100*12)
5 loan_data['mpayment'] = loan_data['LoanAmt']*loan_data['mrate']*np.power(1+loan_data['mrate'],loan_data['Term']) \
6 ??????????????????????? /(np.power(1+loan_data['mrate'],loan_data['Term'])-1)
7 loan_term_list = []
8 for i in range(len(loan_data)):
9 ??? tm = loan_data.loc[i]['Term']
10 ??? loanid = np.tile(loan_data.loc[i]['LoanID'],tm)
11 ??? loanamt = np.tile(loan_data.loc[i]['LoanAmt'],tm)
12 ??? term = np.arange(1,tm+1)
13 ??? rate = np.tile(loan_data.loc[i]['mrate'],tm)
14 ??? payment = np.tile(np.array(loan_data.loc[i]['mpayment']),loan_data.loc[i]['Term'])
15 ??? interest = np.zeros(len(loanamt))
16 ??? principal = np.zeros(len(loanamt))
17 ??? principalbalance? = np.zeros(len(loanamt))
18 ??? loan_amt = loanamt[0]
19 ??? for j in range(len(loanamt)):
20 ??????? interest[j] = loan_amt*loan_data.loc[i]['mrate']
21 ??????? principal[j] = payment[j] - interest[j]
22 ??????? principalbalance[j] = loan_amt - principal[j]
23 ??????? loan_amt = principalbalance[j]
24 ??? loan_data_df = pd.DataFrame(np.transpose(np.array([loanid,loanamt,term,rate,payment,interest,principal,principalbalance])),
columns = ['loanid','loanamt','term','mRate','payment','interest','principal','principalbalance'])
25
  ??? loan_term_list.append(loan_data_df)
26 loan_term_pay = pd.concat(loan_term_list,ignore_index=True)
27 print(loan_term_pay)

Padans处理此类逆分组的问题就显得非常麻烦。

集算器

  A  
1 E:\\txt\\loan.csv  
2 =file(A1).import@t()  
3 =A2.derive(Rate/100/12:mRate,LoanAmt*mRate*power((1+mRate),Term)/(power((1+mRate),Term)-1):mPayment)  
4 =A3.news((t=LoanAmt,Term);LoanID, LoanAmt, mPayment:payment, to(Term)(#):Term, mRate, t* mRate:interest, payment-interest:principal, t=t-principal:principlebalance)  

利用逆分组的函数,很容易的搞定逆分组类型的问题。

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