Update index.html
Browse files- index.html +812 -9
index.html
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<!DOCTYPE html>
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<html>
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<head>
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<style>
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</style>
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</head>
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<body>
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</body>
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</html>
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<!DOCTYPE html>
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<html lang="zh-CN">
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<head>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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<title>财顾报价通 - 理财公司预期收益率报价系统</title>
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<script src="https://cdn.jsdelivr.net/npm/chart.js"></script>
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<style>
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:root {
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--primary-color: #2c3e50;
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--secondary-color: #3498db;
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--success-color: #27ae60;
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--warning-color: #f39c12;
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--danger-color: #e74c3c;
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--light-color: #ecf0f1;
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--dark-color: #34495e;
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}
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* {
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margin: 0;
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padding: 0;
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box-sizing: border-box;
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}
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body {
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font-family: 'Segoe UI', 'Microsoft YaHei', sans-serif;
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background: linear-gradient(135deg, #f5f7fa 0%, #c3cfe2 100%);
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color: #333;
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line-height: 1.6;
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min-height: 100vh;
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}
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| 33 |
+
.container {
|
| 34 |
+
max-width: 1200px;
|
| 35 |
+
margin: 0 auto;
|
| 36 |
+
padding: 20px;
|
| 37 |
+
}
|
| 38 |
+
|
| 39 |
+
header {
|
| 40 |
+
background: white;
|
| 41 |
+
padding: 20px;
|
| 42 |
+
border-radius: 10px;
|
| 43 |
+
box-shadow: 0 2px 10px rgba(0,0,0,0.1);
|
| 44 |
+
margin-bottom: 30px;
|
| 45 |
+
text-align: center;
|
| 46 |
+
}
|
| 47 |
+
|
| 48 |
+
.logo {
|
| 49 |
+
display: flex;
|
| 50 |
+
align-items: center;
|
| 51 |
+
justify-content: center;
|
| 52 |
+
gap: 15px;
|
| 53 |
+
margin-bottom: 10px;
|
| 54 |
+
}
|
| 55 |
+
|
| 56 |
+
.logo h1 {
|
| 57 |
+
color: var(--primary-color);
|
| 58 |
+
font-size: 2.2rem;
|
| 59 |
+
}
|
| 60 |
+
|
| 61 |
+
.subtitle {
|
| 62 |
+
color: var(--dark-color);
|
| 63 |
+
opacity: 0.8;
|
| 64 |
+
}
|
| 65 |
+
|
| 66 |
+
.calculator {
|
| 67 |
+
display: grid;
|
| 68 |
+
grid-template-columns: 1fr 1fr;
|
| 69 |
+
gap: 30px;
|
| 70 |
+
margin-bottom: 40px;
|
| 71 |
+
}
|
| 72 |
+
|
| 73 |
+
@media (max-width: 768px) {
|
| 74 |
+
.calculator {
|
| 75 |
+
grid-template-columns: 1fr;
|
| 76 |
+
}
|
| 77 |
+
}
|
| 78 |
+
|
| 79 |
+
.panel {
|
| 80 |
+
background: white;
|
| 81 |
+
padding: 25px;
|
| 82 |
+
border-radius: 10px;
|
| 83 |
+
box-shadow: 0 5px 15px rgba(0,0,0,0.1);
|
| 84 |
+
}
|
| 85 |
+
|
| 86 |
+
.panel h2 {
|
| 87 |
+
color: var(--primary-color);
|
| 88 |
+
margin-bottom: 20px;
|
| 89 |
+
padding-bottom: 15px;
|
| 90 |
+
border-bottom: 2px solid var(--light-color);
|
| 91 |
+
display: flex;
|
| 92 |
+
align-items: center;
|
| 93 |
+
gap: 10px;
|
| 94 |
+
}
|
| 95 |
+
|
| 96 |
+
.form-group {
|
| 97 |
+
margin-bottom: 25px;
|
| 98 |
+
}
|
| 99 |
+
|
| 100 |
+
.form-group label {
|
| 101 |
+
display: block;
|
| 102 |
+
margin-bottom: 10px;
|
| 103 |
+
font-weight: 600;
|
| 104 |
+
color: var(--dark-color);
|
| 105 |
+
font-size: 1.1rem;
|
| 106 |
+
}
|
| 107 |
+
|
| 108 |
+
.button-group {
|
| 109 |
+
display: flex;
|
| 110 |
+
gap: 10px;
|
| 111 |
+
flex-wrap: wrap;
|
| 112 |
+
}
|
| 113 |
+
|
| 114 |
+
.btn {
|
| 115 |
+
padding: 12px 20px;
|
| 116 |
+
border: 2px solid #ddd;
|
| 117 |
+
background: white;
|
| 118 |
+
color: var(--dark-color);
|
| 119 |
+
border-radius: 6px;
|
| 120 |
+
cursor: pointer;
|
| 121 |
+
font-weight: 500;
|
| 122 |
+
transition: all 0.3s ease;
|
| 123 |
+
flex: 1;
|
| 124 |
+
min-width: 120px;
|
| 125 |
+
text-align: center;
|
| 126 |
+
}
|
| 127 |
+
|
| 128 |
+
.btn:hover {
|
| 129 |
+
border-color: var(--secondary-color);
|
| 130 |
+
color: var(--secondary-color);
|
| 131 |
+
}
|
| 132 |
+
|
| 133 |
+
.btn.active {
|
| 134 |
+
background: var(--secondary-color);
|
| 135 |
+
color: white;
|
| 136 |
+
border-color: var(--secondary-color);
|
| 137 |
+
}
|
| 138 |
+
|
| 139 |
+
.calculate-btn {
|
| 140 |
+
width: 100%;
|
| 141 |
+
padding: 16px;
|
| 142 |
+
background: linear-gradient(135deg, var(--secondary-color), #2980b9);
|
| 143 |
+
color: white;
|
| 144 |
+
border: none;
|
| 145 |
+
border-radius: 8px;
|
| 146 |
+
font-size: 1.1rem;
|
| 147 |
+
font-weight: 600;
|
| 148 |
+
cursor: pointer;
|
| 149 |
+
transition: all 0.3s ease;
|
| 150 |
+
margin-top: 10px;
|
| 151 |
+
}
|
| 152 |
+
|
| 153 |
+
.calculate-btn:hover {
|
| 154 |
+
transform: translateY(-2px);
|
| 155 |
+
box-shadow: 0 5px 15px rgba(0,0,0,0.2);
|
| 156 |
+
}
|
| 157 |
+
|
| 158 |
+
.preview-item {
|
| 159 |
+
display: flex;
|
| 160 |
+
justify-content: space-between;
|
| 161 |
+
margin-bottom: 15px;
|
| 162 |
+
padding-bottom: 15px;
|
| 163 |
+
border-bottom: 1px solid var(--light-color);
|
| 164 |
+
}
|
| 165 |
+
|
| 166 |
+
.preview-label {
|
| 167 |
+
font-weight: 500;
|
| 168 |
+
}
|
| 169 |
+
|
| 170 |
+
.preview-value {
|
| 171 |
+
font-weight: 600;
|
| 172 |
+
color: var(--secondary-color);
|
| 173 |
+
}
|
| 174 |
+
|
| 175 |
+
.result-section {
|
| 176 |
+
background: white;
|
| 177 |
+
padding: 30px;
|
| 178 |
+
border-radius: 10px;
|
| 179 |
+
box-shadow: 0 5px 15px rgba(0,0,0,0.1);
|
| 180 |
+
margin-top: 30px;
|
| 181 |
+
}
|
| 182 |
+
|
| 183 |
+
.result-grid {
|
| 184 |
+
display: grid;
|
| 185 |
+
grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
|
| 186 |
+
gap: 25px;
|
| 187 |
+
margin: 25px 0;
|
| 188 |
+
}
|
| 189 |
+
|
| 190 |
+
.result-card {
|
| 191 |
+
background: #f8f9fa;
|
| 192 |
+
padding: 20px;
|
| 193 |
+
border-radius: 8px;
|
| 194 |
+
border-left: 4px solid var(--secondary-color);
|
| 195 |
+
}
|
| 196 |
+
|
| 197 |
+
.result-item {
|
| 198 |
+
display: flex;
|
| 199 |
+
justify-content: space-between;
|
| 200 |
+
margin-bottom: 12px;
|
| 201 |
+
}
|
| 202 |
+
|
| 203 |
+
.highlight {
|
| 204 |
+
color: var(--success-color);
|
| 205 |
+
font-weight: 600;
|
| 206 |
+
font-size: 1.2rem;
|
| 207 |
+
}
|
| 208 |
+
|
| 209 |
+
.loading {
|
| 210 |
+
text-align: center;
|
| 211 |
+
padding: 30px;
|
| 212 |
+
}
|
| 213 |
+
|
| 214 |
+
.spinner {
|
| 215 |
+
width: 40px;
|
| 216 |
+
height: 40px;
|
| 217 |
+
border: 4px solid #f3f3f3;
|
| 218 |
+
border-top: 4px solid var(--secondary-color);
|
| 219 |
+
border-radius: 50%;
|
| 220 |
+
animation: spin 1s linear infinite;
|
| 221 |
+
margin: 0 auto 15px;
|
| 222 |
+
}
|
| 223 |
+
|
| 224 |
+
@keyframes spin {
|
| 225 |
+
0% { transform: rotate(0deg); }
|
| 226 |
+
100% { transform: rotate(360deg); }
|
| 227 |
+
}
|
| 228 |
+
|
| 229 |
+
.hidden {
|
| 230 |
+
display: none;
|
| 231 |
+
}
|
| 232 |
+
|
| 233 |
+
.feature-list {
|
| 234 |
+
list-style: none;
|
| 235 |
+
padding-left: 0;
|
| 236 |
+
}
|
| 237 |
+
|
| 238 |
+
.feature-list li {
|
| 239 |
+
padding: 8px 0;
|
| 240 |
+
display: flex;
|
| 241 |
+
align-items: center;
|
| 242 |
+
gap: 10px;
|
| 243 |
+
}
|
| 244 |
+
|
| 245 |
+
.feature-list li i {
|
| 246 |
+
color: var(--success-color);
|
| 247 |
+
}
|
| 248 |
+
|
| 249 |
+
footer {
|
| 250 |
+
text-align: center;
|
| 251 |
+
margin-top: 40px;
|
| 252 |
+
padding-top: 20px;
|
| 253 |
+
border-top: 1px solid #ddd;
|
| 254 |
+
color: #666;
|
| 255 |
+
font-size: 0.9rem;
|
| 256 |
+
}
|
| 257 |
</style>
|
| 258 |
</head>
|
| 259 |
<body>
|
| 260 |
+
<div class="container">
|
| 261 |
+
<header>
|
| 262 |
+
<div class="logo">
|
| 263 |
+
<h1>财顾报价通</h1>
|
| 264 |
+
</div>
|
| 265 |
+
<p class="subtitle">理财公司预期收益率报价系统</p>
|
| 266 |
+
</header>
|
| 267 |
+
|
| 268 |
+
<div class="calculator">
|
| 269 |
+
<div class="panel">
|
| 270 |
+
<h2>⚙️ 参数设置</h2>
|
| 271 |
+
|
| 272 |
+
<div class="form-group">
|
| 273 |
+
<label>策略类型</label>
|
| 274 |
+
<div class="button-group">
|
| 275 |
+
<button class="btn active" data-type="strategy" data-value="PURE_BOND">纯债策略</button>
|
| 276 |
+
<button class="btn" data-type="strategy" data-value="FIXED_INCOME_PLUS">固收+策略</button>
|
| 277 |
+
</div>
|
| 278 |
+
</div>
|
| 279 |
+
|
| 280 |
+
<div class="form-group">
|
| 281 |
+
<label>投资期限</label>
|
| 282 |
+
<div class="button-group">
|
| 283 |
+
<button class="btn active" data-type="period" data-value="SHORT">短期(0-3个月)</button>
|
| 284 |
+
<button class="btn" data-type="period" data-value="MEDIUM">中期(3-6个月)</button>
|
| 285 |
+
<button class="btn" data-type="period" data-value="LONG">长期(6-12个月)</button>
|
| 286 |
+
</div>
|
| 287 |
+
</div>
|
| 288 |
+
|
| 289 |
+
<div class="form-group">
|
| 290 |
+
<label>风险风格</label>
|
| 291 |
+
<div class="button-group">
|
| 292 |
+
<button class="btn active" data-type="risk" data-value="CONSERVATIVE">保守型</button>
|
| 293 |
+
<button class="btn" data-type="risk" data-value="NEUTRAL">中性型</button>
|
| 294 |
+
<button class="btn" data-type="risk" data-value="AGGRESSIVE">激进型</button>
|
| 295 |
+
</div>
|
| 296 |
+
</div>
|
| 297 |
+
|
| 298 |
+
<div id="plus-section" class="form-group hidden">
|
| 299 |
+
<label>增强资产类别</label>
|
| 300 |
+
<div class="button-group">
|
| 301 |
+
<button class="btn" data-type="asset" data-value="CONVERTIBLE_BOND">转债</button>
|
| 302 |
+
<button class="btn" data-type="asset" data-value="EQUITY">权益</button>
|
| 303 |
+
<button class="btn" data-type="asset" data-value="REITS">REITs</button>
|
| 304 |
+
</div>
|
| 305 |
+
|
| 306 |
+
<label style="margin-top: 20px; display: block;">资产预期</label>
|
| 307 |
+
<div class="button-group">
|
| 308 |
+
<button class="btn" data-type="expectation" data-value="PESSIMISTIC">悲观</button>
|
| 309 |
+
<button class="btn active" data-type="expectation" data-value="NEUTRAL">中性</button>
|
| 310 |
+
<button class="btn" data-type="expectation" data-value="OPTIMISTIC">乐观</button>
|
| 311 |
+
</div>
|
| 312 |
+
</div>
|
| 313 |
+
|
| 314 |
+
<button id="calculate" class="calculate-btn">🚀 计算预期收益率</button>
|
| 315 |
+
</div>
|
| 316 |
+
|
| 317 |
+
<div class="panel">
|
| 318 |
+
<h2>👁️ 参数预览</h2>
|
| 319 |
+
<div id="preview">
|
| 320 |
+
<div class="preview-item">
|
| 321 |
+
<span class="preview-label">策略类型:</span>
|
| 322 |
+
<span id="preview-strategy" class="preview-value">纯债策略</span>
|
| 323 |
+
</div>
|
| 324 |
+
<div class="preview-item">
|
| 325 |
+
<span class="preview-label">投资期限:</span>
|
| 326 |
+
<span id="preview-period" class="preview-value">短期(0-3个月)</span>
|
| 327 |
+
</div>
|
| 328 |
+
<div class="preview-item">
|
| 329 |
+
<span class="preview-label">风险风格:</span>
|
| 330 |
+
<span id="preview-risk" class="preview-value">保守型</span>
|
| 331 |
+
</div>
|
| 332 |
+
<div class="preview-item hidden" id="preview-asset-item">
|
| 333 |
+
<span class="preview-label">增强资产:</span>
|
| 334 |
+
<span id="preview-asset" class="preview-value">-</span>
|
| 335 |
+
</div>
|
| 336 |
+
<div class="preview-item hidden" id="preview-expectation-item">
|
| 337 |
+
<span class="preview-label">资产预期:</span>
|
| 338 |
+
<span id="preview-expectation" class="preview-value">-</span>
|
| 339 |
+
</div>
|
| 340 |
+
</div>
|
| 341 |
+
|
| 342 |
+
<h2 style="margin-top: 30px;">✨ 系统特点</h2>
|
| 343 |
+
<ul class="feature-list">
|
| 344 |
+
<li><i>✓</i> 基于量化模型计算</li>
|
| 345 |
+
<li><i>✓</i> 考虑资本利得概率分布</li>
|
| 346 |
+
<li><i>✓</i> 提供市场实际参考区间</li>
|
| 347 |
+
<li><i>✓</i> 支持纯债/固收+策略</li>
|
| 348 |
+
<li><i>✓</i> 纯前端计算,保护隐私</li>
|
| 349 |
+
</ul>
|
| 350 |
+
</div>
|
| 351 |
+
</div>
|
| 352 |
+
|
| 353 |
+
<div id="loading" class="loading hidden">
|
| 354 |
+
<div class="spinner"></div>
|
| 355 |
+
<p>正在计算预期收益率...</p>
|
| 356 |
+
</div>
|
| 357 |
+
|
| 358 |
+
<div id="result" class="result-section hidden">
|
| 359 |
+
<h2>📊 报价结果详情</h2>
|
| 360 |
+
<div id="result-content"></div>
|
| 361 |
+
</div>
|
| 362 |
+
|
| 363 |
+
<footer>
|
| 364 |
+
<p>© 2024 财顾报价通 | 仅供演示使用 | 计算结果仅供参考,不构成投资建议</p>
|
| 365 |
+
</footer>
|
| 366 |
+
</div>
|
| 367 |
+
|
| 368 |
+
<script>
|
| 369 |
+
// 全局状态
|
| 370 |
+
const state = {
|
| 371 |
+
strategy: 'PURE_BOND',
|
| 372 |
+
period: 'SHORT',
|
| 373 |
+
risk: 'CONSERVATIVE',
|
| 374 |
+
asset: 'CONVERTIBLE_BOND',
|
| 375 |
+
expectation: 'NEUTRAL',
|
| 376 |
+
|
| 377 |
+
updatePreview() {
|
| 378 |
+
// 更新预览显示
|
| 379 |
+
document.getElementById('preview-strategy').textContent =
|
| 380 |
+
this.strategy === 'PURE_BOND' ? '纯债策略' : '固收+策略';
|
| 381 |
+
document.getElementById('preview-period').textContent =
|
| 382 |
+
this.getPeriodLabel(this.period);
|
| 383 |
+
document.getElementById('preview-risk').textContent =
|
| 384 |
+
this.getRiskLabel(this.risk);
|
| 385 |
+
|
| 386 |
+
// 显示/隐藏固收+相关预览
|
| 387 |
+
const plusSection = document.getElementById('plus-section');
|
| 388 |
+
const assetPreview = document.getElementById('preview-asset-item');
|
| 389 |
+
const expectationPreview = document.getElementById('preview-expectation-item');
|
| 390 |
+
|
| 391 |
+
if (this.strategy === 'FIXED_INCOME_PLUS') {
|
| 392 |
+
plusSection.classList.remove('hidden');
|
| 393 |
+
assetPreview.classList.remove('hidden');
|
| 394 |
+
expectationPreview.classList.remove('hidden');
|
| 395 |
+
|
| 396 |
+
document.getElementById('preview-asset').textContent =
|
| 397 |
+
this.getAssetLabel(this.asset);
|
| 398 |
+
document.getElementById('preview-expectation').textContent =
|
| 399 |
+
this.getExpectationLabel(this.expectation);
|
| 400 |
+
} else {
|
| 401 |
+
plusSection.classList.add('hidden');
|
| 402 |
+
assetPreview.classList.add('hidden');
|
| 403 |
+
expectationPreview.classList.add('hidden');
|
| 404 |
+
}
|
| 405 |
+
},
|
| 406 |
+
|
| 407 |
+
getPeriodLabel(value) {
|
| 408 |
+
const labels = {
|
| 409 |
+
'SHORT': '短期(0-3个月)',
|
| 410 |
+
'MEDIUM': '中期(3-6个月)',
|
| 411 |
+
'LONG': '长期(6-12个月)'
|
| 412 |
+
};
|
| 413 |
+
return labels[value];
|
| 414 |
+
},
|
| 415 |
+
|
| 416 |
+
getRiskLabel(value) {
|
| 417 |
+
const labels = {
|
| 418 |
+
'CONSERVATIVE': '保守型',
|
| 419 |
+
'NEUTRAL': '中性型',
|
| 420 |
+
'AGGRESSIVE': '激进型'
|
| 421 |
+
};
|
| 422 |
+
return labels[value];
|
| 423 |
+
},
|
| 424 |
+
|
| 425 |
+
getAssetLabel(value) {
|
| 426 |
+
const labels = {
|
| 427 |
+
'CONVERTIBLE_BOND': '转债',
|
| 428 |
+
'EQUITY': '权益',
|
| 429 |
+
'REITS': 'REITs'
|
| 430 |
+
};
|
| 431 |
+
return labels[value];
|
| 432 |
+
},
|
| 433 |
+
|
| 434 |
+
getExpectationLabel(value) {
|
| 435 |
+
const labels = {
|
| 436 |
+
'PESSIMISTIC': '悲观',
|
| 437 |
+
'NEUTRAL': '中性',
|
| 438 |
+
'OPTIMISTIC': '乐观'
|
| 439 |
+
};
|
| 440 |
+
return labels[value];
|
| 441 |
+
}
|
| 442 |
+
};
|
| 443 |
+
|
| 444 |
+
// 初始化
|
| 445 |
+
document.addEventListener('DOMContentLoaded', function() {
|
| 446 |
+
// 按钮点击事件
|
| 447 |
+
document.querySelectorAll('.btn').forEach(btn => {
|
| 448 |
+
btn.addEventListener('click', function() {
|
| 449 |
+
const type = this.dataset.type;
|
| 450 |
+
const value = this.dataset.value;
|
| 451 |
+
|
| 452 |
+
// 移除同类型按钮的active类
|
| 453 |
+
document.querySelectorAll(`.btn[data-type="${type}"]`).forEach(b => {
|
| 454 |
+
b.classList.remove('active');
|
| 455 |
+
});
|
| 456 |
+
|
| 457 |
+
// 为当前按钮添加active类
|
| 458 |
+
this.classList.add('active');
|
| 459 |
+
|
| 460 |
+
// 更新状态
|
| 461 |
+
state[type] = value;
|
| 462 |
+
state.updatePreview();
|
| 463 |
+
});
|
| 464 |
+
});
|
| 465 |
+
|
| 466 |
+
// 计算按钮事件
|
| 467 |
+
document.getElementById('calculate').addEventListener('click', calculateQuotation);
|
| 468 |
+
});
|
| 469 |
+
|
| 470 |
+
// 计算核心函数
|
| 471 |
+
function calculateQuotation() {
|
| 472 |
+
// 显示加载动画
|
| 473 |
+
document.getElementById('loading').classList.remove('hidden');
|
| 474 |
+
document.getElementById('result').classList.add('hidden');
|
| 475 |
+
|
| 476 |
+
// 模拟计算延迟
|
| 477 |
+
setTimeout(() => {
|
| 478 |
+
try {
|
| 479 |
+
const result = performCalculation();
|
| 480 |
+
displayResults(result);
|
| 481 |
+
} catch (error) {
|
| 482 |
+
alert('计算错误: ' + error.message);
|
| 483 |
+
} finally {
|
| 484 |
+
document.getElementById('loading').classList.add('hidden');
|
| 485 |
+
}
|
| 486 |
+
}, 800);
|
| 487 |
+
}
|
| 488 |
+
|
| 489 |
+
// 核心计算逻辑
|
| 490 |
+
function performCalculation() {
|
| 491 |
+
const { strategy, period, risk, asset, expectation } = state;
|
| 492 |
+
|
| 493 |
+
// 默认收益率数据
|
| 494 |
+
const defaultReturns = {
|
| 495 |
+
// 短期资产
|
| 496 |
+
"7d_notice_deposit": 1.2,
|
| 497 |
+
"3m_state_ncd": 2.0,
|
| 498 |
+
"overnight_rate": 1.5,
|
| 499 |
+
|
| 500 |
+
// 中期资产
|
| 501 |
+
"gov_bond_under_1y": 2.1,
|
| 502 |
+
"gov_bond_under_2y": 2.3,
|
| 503 |
+
"gov_bond_under_3y": 2.5,
|
| 504 |
+
"gov_bond_under_5y": 2.8,
|
| 505 |
+
|
| 506 |
+
// 同业存单
|
| 507 |
+
"ncd_1y_state": 2.2,
|
| 508 |
+
"ncd_1y_aaa": 2.4,
|
| 509 |
+
"ncd_1y_aa": 2.8,
|
| 510 |
+
|
| 511 |
+
// 信用债
|
| 512 |
+
"credit_1y_aaa_plus": 2.3,
|
| 513 |
+
"credit_1y_aaa": 2.6,
|
| 514 |
+
"credit_1y_aa": 3.2,
|
| 515 |
+
"credit_2y_aaa_plus": 2.5,
|
| 516 |
+
"credit_2y_aaa": 2.8,
|
| 517 |
+
"credit_2y_aa": 3.5,
|
| 518 |
+
};
|
| 519 |
+
|
| 520 |
+
// 市场参考数据(按您提供的数据)
|
| 521 |
+
const marketRef = {
|
| 522 |
+
pure_bond: {
|
| 523 |
+
'SHORT': [1.24, 1.40],
|
| 524 |
+
'MEDIUM': [1.74, 3.00],
|
| 525 |
+
'LONG': [2.05, 3.24]
|
| 526 |
+
},
|
| 527 |
+
fixed_income_plus: {
|
| 528 |
+
'SHORT': [1.24, 1.60],
|
| 529 |
+
'MEDIUM': [1.84, 2.94],
|
| 530 |
+
'LONG': [2.18, 3.03]
|
| 531 |
+
}
|
| 532 |
+
};
|
| 533 |
+
|
| 534 |
+
// 资本利得计算(简化版)
|
| 535 |
+
function calculateCapitalGain() {
|
| 536 |
+
// 模拟正态分布
|
| 537 |
+
const mean = 0.03; // 平均3bp/次
|
| 538 |
+
const std = 0.04; // 标准差4bp/次
|
| 539 |
+
const cycles = 3; // 年波动次数
|
| 540 |
+
|
| 541 |
+
// 计算年化分布参数
|
| 542 |
+
const annualMean = mean * cycles;
|
| 543 |
+
const annualStd = std * Math.sqrt(cycles);
|
| 544 |
+
|
| 545 |
+
// 计算80%置信区间
|
| 546 |
+
const z80 = 1.28; // 80%置信度的Z值
|
| 547 |
+
const lower80 = annualMean - z80 * annualStd;
|
| 548 |
+
const upper80 = annualMean + z80 * annualStd;
|
| 549 |
+
|
| 550 |
+
return {
|
| 551 |
+
lower: lower80,
|
| 552 |
+
upper: upper80,
|
| 553 |
+
probability: 65 // 正收益概率65%
|
| 554 |
+
};
|
| 555 |
+
}
|
| 556 |
+
|
| 557 |
+
// 纯债策略计算
|
| 558 |
+
if (strategy === 'PURE_BOND') {
|
| 559 |
+
// 根据期限和风险风格计算基础收益率
|
| 560 |
+
let baseReturn = 0;
|
| 561 |
+
let leverage = 100;
|
| 562 |
+
|
| 563 |
+
if (period === 'SHORT') {
|
| 564 |
+
if (risk === 'CONSERVATIVE') {
|
| 565 |
+
baseReturn = defaultReturns['7d_notice_deposit'] * 0.5 +
|
| 566 |
+
defaultReturns['3m_state_ncd'] * 0.1 +
|
| 567 |
+
defaultReturns['overnight_rate'] * 0.4;
|
| 568 |
+
} else if (risk === 'NEUTRAL') {
|
| 569 |
+
baseReturn = defaultReturns['7d_notice_deposit'] * 0.5 +
|
| 570 |
+
defaultReturns['3m_state_ncd'] * 0.25 +
|
| 571 |
+
defaultReturns['overnight_rate'] * 0.25;
|
| 572 |
+
} else { // AGGRESSIVE
|
| 573 |
+
baseReturn = defaultReturns['7d_notice_deposit'] * 0.4 +
|
| 574 |
+
defaultReturns['3m_state_ncd'] * 0.4 +
|
| 575 |
+
defaultReturns['overnight_rate'] * 0.2;
|
| 576 |
+
}
|
| 577 |
+
} else if (period === 'MEDIUM') {
|
| 578 |
+
if (risk === 'CONSERVATIVE') {
|
| 579 |
+
baseReturn = defaultReturns['gov_bond_under_1y'] * 0.5 +
|
| 580 |
+
defaultReturns['ncd_1y_state'] * 0.4 +
|
| 581 |
+
defaultReturns['credit_1y_aaa_plus'] * 0.1;
|
| 582 |
+
leverage = 100;
|
| 583 |
+
} else if (risk === 'NEUTRAL') {
|
| 584 |
+
baseReturn = defaultReturns['gov_bond_under_1y'] * 0.3 +
|
| 585 |
+
defaultReturns['ncd_1y_aaa'] * 0.4 +
|
| 586 |
+
defaultReturns['credit_1y_aaa'] * 0.3;
|
| 587 |
+
leverage = 110;
|
| 588 |
+
} else { // AGGRESSIVE
|
| 589 |
+
baseReturn = defaultReturns['gov_bond_under_1y'] * 0.3 +
|
| 590 |
+
defaultReturns['ncd_1y_aa'] * 0.3 +
|
| 591 |
+
defaultReturns['credit_1y_aa'] * 0.4;
|
| 592 |
+
leverage = 120;
|
| 593 |
+
}
|
| 594 |
+
} else { // LONG
|
| 595 |
+
if (risk === 'CONSERVATIVE') {
|
| 596 |
+
baseReturn = defaultReturns['gov_bond_under_2y'] * 0.5 +
|
| 597 |
+
defaultReturns['ncd_1y_state'] * 0.4 +
|
| 598 |
+
defaultReturns['credit_2y_aaa_plus'] * 0.1;
|
| 599 |
+
leverage = 100;
|
| 600 |
+
} else if (risk === 'NEUTRAL') {
|
| 601 |
+
baseReturn = defaultReturns['gov_bond_under_3y'] * 0.3 +
|
| 602 |
+
defaultReturns['ncd_1y_aaa'] * 0.4 +
|
| 603 |
+
defaultReturns['credit_2y_aaa'] * 0.3;
|
| 604 |
+
leverage = 110;
|
| 605 |
+
} else { // AGGRESSIVE
|
| 606 |
+
baseReturn = defaultReturns['gov_bond_under_5y'] * 0.3 +
|
| 607 |
+
defaultReturns['ncd_1y_aa'] * 0.3 +
|
| 608 |
+
defaultReturns['credit_2y_aa'] * 0.4;
|
| 609 |
+
leverage = 120;
|
| 610 |
+
}
|
| 611 |
+
}
|
| 612 |
+
|
| 613 |
+
// 杠杆计算
|
| 614 |
+
const fundingCost = defaultReturns['overnight_rate'];
|
| 615 |
+
let leveredReturn = baseReturn;
|
| 616 |
+
|
| 617 |
+
if (leverage > 100) {
|
| 618 |
+
const L = leverage / 100;
|
| 619 |
+
leveredReturn = L * baseReturn - (L - 1) * fundingCost;
|
| 620 |
+
}
|
| 621 |
+
|
| 622 |
+
// 计算资本利得
|
| 623 |
+
const capGain = calculateCapitalGain();
|
| 624 |
+
const totalLower = leveredReturn + capGain.lower;
|
| 625 |
+
const totalUpper = leveredReturn + capGain.upper;
|
| 626 |
+
|
| 627 |
+
return {
|
| 628 |
+
strategy: '纯债策略',
|
| 629 |
+
period: state.getPeriodLabel(period),
|
| 630 |
+
risk: state.getRiskLabel(risk),
|
| 631 |
+
leverage: leverage + '%',
|
| 632 |
+
fundingCost: fundingCost + '%',
|
| 633 |
+
baseReturn: leveredReturn.toFixed(2) + '%',
|
| 634 |
+
capitalGainRange: `${(capGain.lower * 100).toFixed(1)}bp ~ ${(capGain.upper * 100).toFixed(1)}bp`,
|
| 635 |
+
totalReturn: `${totalLower.toFixed(2)}% ~ ${totalUpper.toFixed(2)}%`,
|
| 636 |
+
positiveProbability: capGain.probability + '%',
|
| 637 |
+
marketRef: `${marketRef.pure_bond[period][0]}% - ${marketRef.pure_bond[period][1]}%`
|
| 638 |
+
};
|
| 639 |
+
}
|
| 640 |
+
// 固收+策略计算
|
| 641 |
+
else {
|
| 642 |
+
// 先计算纯债部分
|
| 643 |
+
let pureBondReturn = 0;
|
| 644 |
+
|
| 645 |
+
// 简化计算,使用固定值
|
| 646 |
+
if (period === 'SHORT') pureBondReturn = 1.5;
|
| 647 |
+
else if (period === 'MEDIUM') pureBondReturn = 2.4;
|
| 648 |
+
else pureBondReturn = 2.8;
|
| 649 |
+
|
| 650 |
+
// 加上资本利得(取乐观��景)
|
| 651 |
+
const capGain = calculateCapitalGain();
|
| 652 |
+
pureBondReturn += capGain.upper;
|
| 653 |
+
|
| 654 |
+
// 资产预期收益率
|
| 655 |
+
const assetReturns = {
|
| 656 |
+
'CONVERTIBLE_BOND': { 'PESSIMISTIC': 10.0, 'NEUTRAL': 12.5, 'OPTIMISTIC': 15.0 },
|
| 657 |
+
'EQUITY': { 'PESSIMISTIC': 15.0, 'NEUTRAL': 17.5, 'OPTIMISTIC': 20.0 },
|
| 658 |
+
'REITS': { 'PESSIMISTIC': 5.0, 'NEUTRAL': 7.5, 'OPTIMISTIC': 10.0 }
|
| 659 |
+
};
|
| 660 |
+
|
| 661 |
+
const assetReturn = assetReturns[asset][expectation];
|
| 662 |
+
|
| 663 |
+
// 配置比例
|
| 664 |
+
let bondWeight, assetWeight;
|
| 665 |
+
if (expectation === 'PESSIMISTIC') {
|
| 666 |
+
bondWeight = 95;
|
| 667 |
+
assetWeight = 5;
|
| 668 |
+
} else if (expectation === 'NEUTRAL') {
|
| 669 |
+
bondWeight = 90;
|
| 670 |
+
assetWeight = 10;
|
| 671 |
+
} else { // OPTIMISTIC
|
| 672 |
+
bondWeight = 80;
|
| 673 |
+
assetWeight = 20;
|
| 674 |
+
}
|
| 675 |
+
|
| 676 |
+
// 计算总收益率
|
| 677 |
+
const totalReturn = (pureBondReturn * bondWeight + assetReturn * assetWeight) / 100;
|
| 678 |
+
|
| 679 |
+
return {
|
| 680 |
+
strategy: '固收+策略',
|
| 681 |
+
period: state.getPeriodLabel(period),
|
| 682 |
+
risk: state.getRiskLabel(risk),
|
| 683 |
+
asset: state.getAssetLabel(asset),
|
| 684 |
+
expectation: state.getExpectationLabel(expectation),
|
| 685 |
+
bondWeight: bondWeight + '%',
|
| 686 |
+
assetWeight: assetWeight + '%',
|
| 687 |
+
pureBondReturn: pureBondReturn.toFixed(2) + '%',
|
| 688 |
+
assetReturn: assetReturn.toFixed(1) + '%',
|
| 689 |
+
totalReturn: totalReturn.toFixed(2) + '%',
|
| 690 |
+
capitalGain: (capGain.upper * 100).toFixed(1) + 'bp',
|
| 691 |
+
positiveProbability: capGain.probability + '%',
|
| 692 |
+
marketRef: `${marketRef.fixed_income_plus[period][0]}% - ${marketRef.fixed_income_plus[period][1]}%`
|
| 693 |
+
};
|
| 694 |
+
}
|
| 695 |
+
}
|
| 696 |
+
|
| 697 |
+
// 显示结果
|
| 698 |
+
function displayResults(result) {
|
| 699 |
+
const content = document.getElementById('result-content');
|
| 700 |
+
|
| 701 |
+
let html = `
|
| 702 |
+
<div class="result-grid">
|
| 703 |
+
<div class="result-card">
|
| 704 |
+
<h3>📋 基本信息</h3>
|
| 705 |
+
<div class="result-item">
|
| 706 |
+
<span>策略类型:</span>
|
| 707 |
+
<span class="highlight">${result.strategy}</span>
|
| 708 |
+
</div>
|
| 709 |
+
<div class="result-item">
|
| 710 |
+
<span>投资期限:</span>
|
| 711 |
+
<span>${result.period}</span>
|
| 712 |
+
</div>
|
| 713 |
+
<div class="result-item">
|
| 714 |
+
<span>风险风格:</span>
|
| 715 |
+
<span>${result.risk}</span>
|
| 716 |
+
</div>`;
|
| 717 |
+
|
| 718 |
+
if (result.strategy === '纯债策略') {
|
| 719 |
+
html += `
|
| 720 |
+
<div class="result-item">
|
| 721 |
+
<span>杠杆率:</span>
|
| 722 |
+
<span>${result.leverage}</span>
|
| 723 |
+
</div>
|
| 724 |
+
<div class="result-item">
|
| 725 |
+
<span>融资成本:</span>
|
| 726 |
+
<span>${result.fundingCost}</span>
|
| 727 |
+
</div>`;
|
| 728 |
+
} else {
|
| 729 |
+
html += `
|
| 730 |
+
<div class="result-item">
|
| 731 |
+
<span>增强资产:</span>
|
| 732 |
+
<span>${result.asset}</span>
|
| 733 |
+
</div>
|
| 734 |
+
<div class="result-item">
|
| 735 |
+
<span>资产预期:</span>
|
| 736 |
+
<span>${result.expectation}</span>
|
| 737 |
+
</div>
|
| 738 |
+
<div class="result-item">
|
| 739 |
+
<span>债券比例:</span>
|
| 740 |
+
<span>${result.bondWeight}</span>
|
| 741 |
+
</div>
|
| 742 |
+
<div class="result-item">
|
| 743 |
+
<span>资产比例:</span>
|
| 744 |
+
<span>${result.assetWeight}</span>
|
| 745 |
+
</div>`;
|
| 746 |
+
}
|
| 747 |
+
|
| 748 |
+
html += `
|
| 749 |
+
</div>
|
| 750 |
+
|
| 751 |
+
<div class="result-card">
|
| 752 |
+
<h3>📈 收益率分析</h3>`;
|
| 753 |
+
|
| 754 |
+
if (result.strategy === '纯债策略') {
|
| 755 |
+
html += `
|
| 756 |
+
<div class="result-item">
|
| 757 |
+
<span>基础收益率:</span>
|
| 758 |
+
<span>${result.baseReturn}</span>
|
| 759 |
+
</div>
|
| 760 |
+
<div class="result-item">
|
| 761 |
+
<span>资本利得贡献:</span>
|
| 762 |
+
<span>${result.capitalGainRange}</span>
|
| 763 |
+
</div>
|
| 764 |
+
<div class="result-item">
|
| 765 |
+
<span>理论预期收益率:</span>
|
| 766 |
+
<span class="highlight">${result.totalReturn}</span>
|
| 767 |
+
</div>
|
| 768 |
+
<div class="result-item">
|
| 769 |
+
<span>正收益概率:</span>
|
| 770 |
+
<span>${result.positiveProbability}</span>
|
| 771 |
+
</div>`;
|
| 772 |
+
} else {
|
| 773 |
+
html += `
|
| 774 |
+
<div class="result-item">
|
| 775 |
+
<span>纯债部分收益率:</span>
|
| 776 |
+
<span>${result.pureBondReturn}</span>
|
| 777 |
+
</div>
|
| 778 |
+
<div class="result-item">
|
| 779 |
+
<span>资本利得贡献:</span>
|
| 780 |
+
<span>${result.capitalGain}</span>
|
| 781 |
+
</div>
|
| 782 |
+
<div class="result-item">
|
| 783 |
+
<span>资产预期收益率:</span>
|
| 784 |
+
<span>${result.assetReturn}</span>
|
| 785 |
+
</div>
|
| 786 |
+
<div class="result-item">
|
| 787 |
+
<span>理论预期收益率:</span>
|
| 788 |
+
<span class="highlight">${result.totalReturn}</span>
|
| 789 |
+
</div>
|
| 790 |
+
<div class="result-item">
|
| 791 |
+
<span>正收益概率:</span>
|
| 792 |
+
<span>${result.positiveProbability}</span>
|
| 793 |
+
</div>`;
|
| 794 |
+
}
|
| 795 |
+
|
| 796 |
+
html += `
|
| 797 |
+
<div class="result-item">
|
| 798 |
+
<span>市场实际参考区间:</span>
|
| 799 |
+
<span>${result.marketRef}</span>
|
| 800 |
+
</div>
|
| 801 |
+
</div>
|
| 802 |
+
</div>
|
| 803 |
+
|
| 804 |
+
<div style="margin-top: 30px; padding: 20px; background: #f0f8ff; border-radius: 8px;">
|
| 805 |
+
<h3>💡 使用说明</h3>
|
| 806 |
+
<p>1. 以上计算结果基于预设的量化模型和市场数据</p>
|
| 807 |
+
<p>2. 资本利得考虑了交易员的波段操作能力和市场波动</p>
|
| 808 |
+
<p>3. 市场参考区间基于近期实际理财收益率数据</p>
|
| 809 |
+
<p>4. 计算结果仅供参考,实际收益可能受多种因素影响</p>
|
| 810 |
+
</div>`;
|
| 811 |
+
|
| 812 |
+
content.innerHTML = html;
|
| 813 |
+
document.getElementById('result').classList.remove('hidden');
|
| 814 |
+
|
| 815 |
+
// 滚动到结果区域
|
| 816 |
+
document.getElementById('result').scrollIntoView({ behavior: 'smooth' });
|
| 817 |
+
}
|
| 818 |
+
</script>
|
| 819 |
</body>
|
| 820 |
</html>
|