<?php
declare(strict_types=1);

function qqBuildPayableInterestData(array $rowsAll, array $financeAll, array $planAll): array
{
    $todayQ = date('Y-m-d');
    $monthStart = date('Y-m-01');
    $monthEnd = date('Y-m-t');
    $archiveMap = [];
    foreach ($rowsAll as $row) {
        $archiveMap[(int)($row['id'] ?? 0)] = $row;
    }

    $bankActive = array_values(array_filter($rowsAll, function ($a) use ($financeAll) {
        $kind = normalizeArchiveKind((string)($a['archive_kind'] ?? ''));
        if ($kind !== ARCHIVE_KIND_BANK_LOAN) {
            return false;
        }
        return archiveStatusIsOngoingAggregate((string)($a['end_date'] ?? ''), getArchiveFinanceConfig($financeAll, (int)$a['id']));
    }));

    $instStats = [];
    foreach ($bankActive as $a) {
        $aid = (int)$a['id'];
        $inst = (string)($a['loan_institution'] ?? '');
        if ($inst === '') {
            $inst = '未填写机构';
        }
        if (!isset($instStats[$inst])) {
            $instStats[$inst] = ['loan_count' => 0, 'current_interest' => 0.0, 'settlement_interest' => 0.0, 'settlement_dates' => []];
        }
        $cfg = getArchiveFinanceConfig($financeAll, $aid);
        $plans = (array)((getArchiveRepaymentPlan($planAll, $aid))['plans'] ?? []);
        $mode = (string)($cfg['interest_mode'] ?? 'monthly');
        $nextSettle = $mode === 'bullet'
            ? ((string)($a['end_date'] ?? '') >= $todayQ ? (string)$a['end_date'] : null)
            : nextSettlementDate($todayQ, $mode, (int)($cfg['settlement_day'] ?? 21));
        $instStats[$inst]['loan_count']++;
        $instStats[$inst]['current_interest'] += calcCurrentInterest($a, $cfg, $plans);
        if (!empty($nextSettle)) {
            $instStats[$inst]['settlement_interest'] += calcSettlementPeriodInterest($a, $cfg, $plans, $todayQ);
            $instStats[$inst]['settlement_dates'][(string)$nextSettle] = true;
        }
    }
    ksort($instStats);
    $instRows = [];
    foreach ($instStats as $inst => $s) {
        $instRows[] = [
            'loan_institution' => $inst,
            'loan_count' => (int)$s['loan_count'],
            'current_interest' => round((float)$s['current_interest'], 2),
            'settlement_interest' => round((float)$s['settlement_interest'], 2),
            'settlement_date' => implode(' / ', array_keys((array)$s['settlement_dates'])),
        ];
    }

    $planRows = [];
    $planTotal = 0.0;
    foreach ($planAll as $aid => $cfg) {
        if (empty($cfg['enabled']) || empty($cfg['plans']) || !is_array($cfg['plans'])) {
            continue;
        }
        $aidInt = (int)$aid;
        $arc = $archiveMap[$aidInt] ?? null;
        if (!$arc) {
            continue;
        }
        foreach ((array)$cfg['plans'] as $p) {
            $status = (string)($p['status'] ?? 'pending');
            $due = (string)($p['due_date'] ?? '');
            if ($due === '' || $due < $monthStart || $due > $monthEnd || $status === 'paid') {
                continue;
            }
            $inst = (string)($arc['loan_institution'] ?? '');
            if ($inst === '') {
                $inst = '未填写机构';
            }
            $amt = (float)($p['amount'] ?? 0);
            $planRows[] = [
                'loan_institution' => $inst,
                'archive_name' => (string)($arc['name'] ?? ''),
                'borrower' => (string)($arc['borrower'] ?? ''),
                'due_date' => $due,
                'amount' => $amt,
                'status' => $status,
            ];
            $planTotal += $amt;
        }
    }
    usort($planRows, function ($a, $b) {
        $cmp = strcmp((string)$a['due_date'], (string)$b['due_date']);
        if ($cmp !== 0) {
            return $cmp;
        }
        return strcmp((string)$a['loan_institution'], (string)$b['loan_institution']);
    });
    return ['instRows' => $instRows, 'planRows' => $planRows, 'planTotal' => round($planTotal, 2)];
}

/**
 * @param string      $scope all_bank|all_guar|bank_inst|guar_inst
 * @param string|null $inst  与档案「贷款机构/债权人」完全一致；后两项 scope 必填
 * @return array{count:int,sum_credit:float,sum_remaining:float}
 */
function qqBuildTotalsQuery(array $rowsAll, array $financeAll, string $scope, ?string $inst): array
{
    if (($scope === 'bank_inst' || $scope === 'guar_inst') && ($inst === null || trim($inst) === '')) {
        return ['count' => 0, 'sum_credit' => 0.0, 'sum_remaining' => 0.0];
    }
    $instNorm = $inst !== null ? trim($inst) : '';
    $filtered = array_filter($rowsAll, function ($a) use ($financeAll, $scope, $instNorm): bool {
        if (!archiveStatusIsOngoingAggregate((string)($a['end_date'] ?? ''), getArchiveFinanceConfig($financeAll, (int)$a['id']))) {
            return false;
        }
        $kind = normalizeArchiveKind((string)($a['archive_kind'] ?? ''));
        if ($scope === 'all_bank') {
            return $kind === ARCHIVE_KIND_BANK_LOAN;
        }
        if ($scope === 'all_guar') {
            return $kind === ARCHIVE_KIND_EXTERNAL_GUARANTEE;
        }
        $rowInst = (string)($a['loan_institution'] ?? '');
        if ($scope === 'bank_inst') {
            return $kind === ARCHIVE_KIND_BANK_LOAN && $rowInst === $instNorm;
        }
        if ($scope === 'guar_inst') {
            return $kind === ARCHIVE_KIND_EXTERNAL_GUARANTEE && $rowInst === $instNorm;
        }
        return false;
    });
    $sumCredit = 0.0;
    $sumRemaining = 0.0;
    $count = 0;
    foreach ($filtered as $a) {
        $count++;
        if (isset($a['credit_limit']) && $a['credit_limit'] !== null && $a['credit_limit'] !== '') {
            $sumCredit += (float)$a['credit_limit'];
        }
        if (isset($a['remaining_limit']) && $a['remaining_limit'] !== null && $a['remaining_limit'] !== '') {
            $sumRemaining += (float)$a['remaining_limit'];
        }
    }
    return [
        'count' => $count,
        'sum_credit' => round($sumCredit, 2),
        'sum_remaining' => round($sumRemaining, 2),
    ];
}

function qqSearchGuarantorArchives(array $rows, string $kw): array
{
    return array_values(array_filter($rows, function ($r) use ($kw) {
        if ($kw === '') {
            return false;
        }
        return mb_stripos((string)($r['guarantor'] ?? ''), $kw) !== false;
    }));
}

/**
 * 历史还款：分期计划已还本金明细 + 已完成档案授信合计（按类型）
 *
 * @return array{plan_rows: list<array>, plan_paid_total: float, completed_bank: array{count:int,sum_credit:float}, completed_guar: array{count:int,sum_credit:float}}
 */
function qqBuildRepaymentHistory(array $rowsAll, array $planAll, array $financeAll): array
{
    $map = [];
    foreach ($rowsAll as $r) {
        $map[(int)($r['id'] ?? 0)] = $r;
    }
    $planRows = [];
    $planPaidTotal = 0.0;
    foreach ($planAll as $aidStr => $cfg) {
        $aid = (int)$aidStr;
        if (empty($cfg['enabled']) || empty($cfg['plans']) || !is_array($cfg['plans'])) {
            continue;
        }
        $arc = $map[$aid] ?? null;
        foreach ($cfg['plans'] as $p) {
            if ((string)($p['status'] ?? '') !== 'paid') {
                continue;
            }
            $amt = (float)($p['amount'] ?? 0);
            $planPaidTotal += $amt;
            $planRows[] = [
                'archive_id' => $aid,
                'archive_name' => $arc ? (string)($arc['name'] ?? '') : '（档案不存在）',
                'loan_institution' => $arc ? (string)($arc['loan_institution'] ?? '') : '',
                'borrower' => $arc ? (string)($arc['borrower'] ?? '') : '',
                'due_date' => (string)($p['due_date'] ?? ''),
                'paid_at' => (string)($p['paid_at'] ?? ''),
                'amount' => $amt,
            ];
        }
    }
    usort($planRows, static function ($a, $b): int {
        $c = strcmp((string)($b['paid_at'] ?? ''), (string)($a['paid_at'] ?? ''));
        if ($c !== 0) {
            return $c;
        }
        return ((int)($b['archive_id'] ?? 0)) <=> ((int)($a['archive_id'] ?? 0));
    });

    $completedBank = ['count' => 0, 'sum_credit' => 0.0];
    $completedGuar = ['count' => 0, 'sum_credit' => 0.0];
    foreach ($rowsAll as $a) {
        $st = archiveStatusWithConfig((string)($a['end_date'] ?? ''), getArchiveFinanceConfig($financeAll, (int)$a['id']));
        if ($st !== '已完成') {
            continue;
        }
        $kind = normalizeArchiveKind((string)($a['archive_kind'] ?? ''));
        $credit = $a['credit_limit'] !== null && $a['credit_limit'] !== '' ? (float)$a['credit_limit'] : 0.0;
        if ($kind === ARCHIVE_KIND_BANK_LOAN) {
            $completedBank['count']++;
            $completedBank['sum_credit'] += $credit;
        } elseif ($kind === ARCHIVE_KIND_EXTERNAL_GUARANTEE) {
            $completedGuar['count']++;
            $completedGuar['sum_credit'] += $credit;
        }
    }

    return [
        'plan_rows' => $planRows,
        'plan_paid_total' => round($planPaidTotal, 2),
        'completed_bank' => [
            'count' => (int)$completedBank['count'],
            'sum_credit' => round((float)$completedBank['sum_credit'], 2),
        ],
        'completed_guar' => [
            'count' => (int)$completedGuar['count'],
            'sum_credit' => round((float)$completedGuar['sum_credit'], 2),
        ],
    ];
}