create or replace function ft_getintrate( as_coopid char , as_lnintcode char , adc_money number , adtm_operate date ) return number
is
  ldc_intrate number;
begin
 if as_coopid is null or as_lnintcode is null or adc_money is null or adtm_operate is null then
  return 0.00;
 end if;

 select nvl( interest_rate , 0 ) as interest_rate
 into ldc_intrate
 from lncfloanintratedet
 where coop_id = as_coopid
 and loanintrate_code = as_lnintcode
 and adtm_operate between effective_date and expire_date
 and adc_money between lower_amt and upper_amt;
 return ldc_intrate;
end;