我正在尝试编写一个函数来查找汽车保险支付的$InterestRate值。我在代码下方插入了表格：
目前我已经尝试过：
function interestRate() {
if ((int)$VehicleYear >= 2001) && (int)$VehicleYear <= 2005){
$Term = 24;
if ((int)$CreditScore >= 720){
$InterestRate = 15.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 19.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 22.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 22.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 22.90;
}
}
if ((int)$VehicleYear == 2006){
$Term = 24;
if ((int)$CreditScore >= 720){
$InterestRate = 15.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 18.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 21.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 22.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 22.90;
}
}
if ((int)$VehicleYear == 2007){
$Term = 36;
if ((int)$CreditScore >= 720){
$InterestRate = 15.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 18.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 21.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 22.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 22.90;
}
}
if ((int)$VehicleYear == 2008){
$Term = 36;
if ((int)$CreditScore >= 720){
$InterestRate = 14.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 17.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 21.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 21.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 21.90;
}
}
if ((int)$VehicleYear == 2009){
$Term = 36;
if ((int)$CreditScore >= 720){
$InterestRate = 14.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 17.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 20.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 20.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 20.90;
}
}
if ((int)$VehicleYear == 2010){
$Term = 36;
if ((int)$CreditScore >= 720){
$InterestRate = 14.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 17.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 20.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 20.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 20.90;
}
}
if ((int)$VehicleYear == 2011){
$Term = 42;
if ((int)$CreditScore >= 720){
$InterestRate = 14.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 16.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 19.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 19.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 20.90;
}
}
if ((int)$VehicleYear == 2012){
$Term = 42;
if ((int)$CreditScore >= 720){
$InterestRate = 12.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 15.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 18.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 19.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 19.90;
}
}
if ((int)$VehicleYear == 2013){
$Term = 42;
if ((int)$CreditScore >= 720){
$InterestRate = 12.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 15.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 18.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 18.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 18.90;
}
}
if ((int)$VehicleYear >= 2014){
$Term = 48;
if ((int)$CreditScore >= 720){
$InterestRate = 11.90;
}
elseif ((int)$CreditScore >= 610) || ((int)$CreditScore <= 719) {
$InterestRate = 14.90;
}
elseif ((int)$CreditScore >= 580) || ((int)$CreditScore <= 609) {
$InterestRate = 17.90;
}
elseif ((int)$CreditScore >= 530) || ((int)$CreditScore <= 579) {
$InterestRate = 18.90;
}
elseif ((int)$CreditScore >= 489) || ((int)$CreditScore <= 529) {
$InterestRate = 18.90;
}
}
}
它既乏味又在我尝试在计算中使用$InterestRate时根本不起作用。解决这个问题的最佳方法是什么？
编辑：有些人提到使用SQL表。我不知道该怎么做。但这是我的桌子基本上
<table style="undefined;table-layout: fixed; width: 497px">
<colgroup>
<col style="width: 93px">
<col style="width: 73px">
<col style="width: 75px">
<col style="width: 64px">
<col style="width: 64px">
<col style="width: 64px">
<col style="width: 64px">
</colgroup>
<tr>
<th>Vehicle Year</th>
<th>Term</th>
<th>FICO</th>
<th>FICO</th>
<th>FICO</th>
<th>FICO</th>
<th>FICO</th>
</tr>
<tr>
<td></td>
<td></td>
<td>720 +</td>
<td>719-610</td>
<td>609-580</td>
<td>579-530</td>
<td>529-489</td>
</tr>
<tr>
<td>2014-current</td>
<td>48</td>
<td>11</td>
<td>14</td>
<td>17</td>
<td>18</td>
<td>18</td>
</tr>
<tr>
<td>2013</td>
<td>42</td>
<td>12</td>
<td>15</td>
<td>18</td>
<td>18</td>
<td>18</td>
</tr>
<tr>
<td>2012</td>
<td>42</td>
<td>12</td>
<td>15</td>
<td>18</td>
<td>19</td>
<td>19</td>
</tr>
<tr>
<td>2011</td>
<td>42</td>
<td>14</td>
<td>16</td>
<td>19</td>
<td>19</td>
<td>20</td>
</tr>
<tr>
<td>2010</td>
<td>36</td>
<td>14</td>
<td>17</td>
<td>20</td>
<td>20</td>
<td>20</td>
</tr>
<tr>
<td>2009</td>
<td>36</td>
<td>14</td>
<td>17</td>
<td>20</td>
<td>20</td>
<td>20</td>
</tr>
<tr>
<td>2008</td>
<td>36</td>
<td>14</td>
<td>17</td>
<td>21</td>
<td>21</td>
<td>21</td>
</tr>
<tr>
<td>2007</td>
<td>36</td>
<td>15</td>
<td>18</td>
<td>21</td>
<td>22</td>
<td>21</td>
</tr>
<tr>
<td>2006</td>
<td>24</td>
<td>15</td>
<td>18</td>
<td>21</td>
<td>22</td>
<td>22</td>
</tr>
<tr>
<td>2001-2005</td>
<td>24</td>
<td>15</td>
<td>19</td>
<td>22</td>
<td>22</td>
<td>22</td>
</tr>
</table>
Extra o来了：删除所有重复的代码：
function creditScore( $cs ) {
$cs = (int) $cs;
if ($cs >= 720) return 5;
elseif ($cs >= 610 && $cs <= 719) return 4;
elseif ($cs >= 580 && $cs <= 609) return 3;
elseif ($cs >= 530 && $cs <= 579) return 2;
elseif ($cs >= 489 && $cs <= 529) return 1;
else return 0;
}
function interestRate($vehicleYear, $creditScore) {
$vehicleYear = (int) $vehicleYear;
$cred = creditScore( $creditScore );
if ( ! $cred ) // handle credit score below 489: returns 0
throw new Exception("Unsupported creditScore: $creditScore" );
$cred--; // otherwise it's 1..5, change to 0..4 for array index
$rates = [
2001 => [ 'term' => 24, 'rates' => [ 22.90, 22.90, 22.90, 19.90, 15.90 ] ],
2002 => [ 'term' => 24, 'rates' => [ 22.90, 22.90, 22.90, 19.90, 15.90 ] ],
2003 => [ 'term' => 24, 'rates' => [ 22.90, 22.90, 22.90, 19.90, 15.90 ] ],
2004 => [ 'term' => 24, 'rates' => [ 22.90, 22.90, 22.90, 19.90, 15.90 ] ],
2005 => [ 'term' => 24, 'rates' => [ 22.90, 22.90, 22.90, 19.90, 15.90 ] ],
2006 => [ 'term' => 24, 'rates' => [ 22.90, 22.90, 21.90, 18.90, 15.90 ] ],
2007 => [ 'term' => 36, 'rates' => [ 22.90, 22.90, 21.90, 18.90, 15.90 ] ],
2008 => [ 'term' => 36, 'rates' => [ 22.90, 22.90, 21.90, 17.90, 14.90 ] ],
2009 => [ 'term' => 36, 'rates' => [ 20.90, 20.90, 20.90, 17.90, 14.90 ] ],
2010 => [ 'term' => 36, 'rates' => [ 20.90, 20.90, 20.90, 17.90, 14.90 ] ],
2011 => [ 'term' => 42, 'rates' => [ 20.90, 19.90, 19.90, 16.90, 14.90 ] ],
2012 => [ 'term' => 42, 'rates' => [ 19.90, 19.90, 18.90, 15.90, 12.90 ] ],
2013 => [ 'term' => 42, 'rates' => [ 18.90, 18.90, 18.90, 15.90, 12.90 ] ],
2014 => [ 'term' => 48, 'rates' => [ 18.90, 18.90, 17.90, 14.90, 11.90 ] ],
];
return [ // TODO: check if isset( $rates[$vehicleYear ])
$rates[$vehicleYear]['rates'][ $cred ],
$rates[$vehicleYear]['term']
];
}
list( $interestRate, $term ) = interestRate( 2013, 666 );
我喜欢一些，但不是肯尼的全部答案。 我查找速率数组是个好主意，但它应该只声明一次，而不是每次调用函数时。 if s的短电池来确定信用评分指数是好的，但每个分支的第二个条件（<=）在逻辑上是不必要的。
我建议将查找数组定义为常量，以便它只声明一次并具有全局范围。 这是完全合适的，因为查找表中的数量在处理过程中不应更改。
正确设计查找数组后，维护/扩展应仅涉及调整查找数组，而不涉及处理代码。
这使您的 php 代码与传输到数据库表只有一步之遥 - 以防您的应用程序发现对数据维护或扩展的需求增加。
代码：（演示）
define(
'TERM_RATES_BY_YEAR',
[
2001 => ['term' => 24, 'rates' => [15.90, 19.90, 22.90, 22.90, 22.90]],
2002 => ['term' => 24, 'rates' => [15.90, 19.90, 22.90, 22.90, 22.90]],
2003 => ['term' => 24, 'rates' => [15.90, 19.90, 22.90, 22.90, 22.90]],
2004 => ['term' => 24, 'rates' => [15.90, 19.90, 22.90, 22.90, 22.90]],
2005 => ['term' => 24, 'rates' => [15.90, 19.90, 22.90, 22.90, 22.90]],
2006 => ['term' => 24, 'rates' => [15.90, 18.90, 21.90, 22.90, 22.90]],
2007 => ['term' => 36, 'rates' => [15.90, 18.90, 21.90, 22.90, 22.90]],
2008 => ['term' => 36, 'rates' => [14.90, 17.90, 21.90, 22.90, 22.90]],
2009 => ['term' => 36, 'rates' => [14.90, 17.90, 20.90, 20.90, 20.90]],
2010 => ['term' => 36, 'rates' => [14.90, 17.90, 20.90, 20.90, 20.90]],
2011 => ['term' => 42, 'rates' => [14.90, 16.90, 19.90, 19.90, 20.90]],
2012 => ['term' => 42, 'rates' => [12.90, 15.90, 18.90, 19.90, 19.90]],
2013 => ['term' => 42, 'rates' => [12.90, 15.90, 18.90, 18.90, 18.90]],
2014 => ['term' => 48, 'rates' => [11.90, 14.90, 17.90, 18.90, 18.90]],
]
);
define('CREDIT_SCORE_MINIMUM_THRESHOLDS', [720, 610, 580, 530, 489]);
/** @throws Exception */
function getRateIndexFromCreditScore(int $creditScore): ?int
{
foreach (CREDIT_SCORE_MINIMUM_THRESHOLDS as $rateIndex => $minThreshold) {
if ($creditScore >= $minThreshold) {
return $rateIndex;
}
}
throw new Exception("Sorry, your credit score ($creditScore) does not qualify for financing");
}
foreach (range(2000, 2015) as $year) {
try {
if (!isset(TERM_RATES_BY_YEAR[$year])) {
throw new Exception("Sorry, your vehicle year ($year) does not qualify for financing");
}
$score = rand(300, 850);
$rateIndex = getRateIndexFromCreditScore($score);
$outcome = sprintf(
'Vehicle Year: %d, Credit Score: %d, Term: %d, Rate: %.2f',
$year,
$score,
TERM_RATES_BY_YEAR[$year]['term'],
TERM_RATES_BY_YEAR[$year]['rates'][$rateIndex]
);
} catch (Exception $e) {
$outcome = $e->getMessage();
}
echo "$outcome'n";
}
潜在输出：
Sorry, your vehicle year (2000) does not qualify for financing
Vehicle Year: 2001, Credit Score: 758, Term: 24, Rate: 15.90
Sorry, your credit score (401) does not qualify for financing
Vehicle Year: 2003, Credit Score: 751, Term: 24, Rate: 15.90
Vehicle Year: 2004, Credit Score: 545, Term: 24, Rate: 22.90
Sorry, your credit score (481) does not qualify for financing
Vehicle Year: 2006, Credit Score: 658, Term: 24, Rate: 18.90
Vehicle Year: 2007, Credit Score: 745, Term: 36, Rate: 15.90
Vehicle Year: 2008, Credit Score: 836, Term: 36, Rate: 14.90
Vehicle Year: 2009, Credit Score: 803, Term: 36, Rate: 14.90
Sorry, your credit score (466) does not qualify for financing
Vehicle Year: 2011, Credit Score: 792, Term: 42, Rate: 14.90
Vehicle Year: 2012, Credit Score: 763, Term: 42, Rate: 12.90
Vehicle Year: 2013, Credit Score: 534, Term: 42, Rate: 18.90
Vehicle Year: 2014, Credit Score: 493, Term: 48, Rate: 18.90
Sorry, your vehicle year (2015) does not qualify for financing