1、产品说明，还款说明 调整为不是必填项

2、“放款时间” 表单去掉，不需要了

@@ -170,8 +170,8 @@ class ProductController extends RestBaseController
      * @param name:information type:int require:1 other: desc:个人信息
      * @param name:car type:int require:1 other: desc:车辆信息1全款车0无3分期车
      * @param name:loan_flow type:int require:1 other: desc:贷款流程
-     * @param name:fee_explain type:int require:1 other: desc:费用说明
-     * @param name:refund_explain type:int require:1 other: desc:还款说明
+     * @param name:fee_explain type:int require:0 other: desc:费用说明
+     * @param name:refund_explain type:int require:0 other: desc:还款说明
      * @param name:remark type:int require:0 other: desc:备注
      *
      */
@@ -183,15 +183,15 @@ class ProductController extends RestBaseController
             'lower_limit'           => 'require',
             'rate'           => 'require',
             'loan_period'           => 'require',
-            'loan_time'           => 'require',
+            //'loan_time'           => 'require',
             'job'           => 'require',
             'policy'           => 'require',
             'house'           => 'require',
             'information'           => 'require',
             'car'           => 'require',
             'loan_flow'           => 'require',
-            'fee_explain'           => 'require',
-            'refund_explain'           => 'require',
+            //'fee_explain'           => 'require',
+            //'refund_explain'           => 'require',
         ]);
 
         $validate->message([
@@ -201,15 +201,15 @@ class ProductController extends RestBaseController
             'lower_limit.require'           => '缺少参数lower_limit!',
             'rate.require'           => '缺少参数rate!',
             'loan_period.require'           => '缺少参数loan_period!',
-            'loan_time.require'           => '缺少参数loan_time!',
+           // 'loan_time.require'           => '缺少参数loan_time!',
             'job.require'           => '缺少参数job!',
             'policy.require'           => '缺少参数policy!',
             'house.require'           => '缺少参数house!',
             'information.require'           => '缺少参数information!',
             'car.require'           => '缺少参数car!',
             'loan_flow.require'           => '缺少参数loan_flow!',
-            'fee_explain.require'           => '缺少参数fee_explain!',
-            'refund_explain.require'           => '缺少参数refund_explain!',
+            //'fee_explain.require'           => '缺少参数fee_explain!',
+            //'refund_explain.require'           => '缺少参数refund_explain!',
         ]);
 
         $data = $this->request->param();
@@ -224,7 +224,7 @@ class ProductController extends RestBaseController
             'lower_limit' => $data['lower_limit'],
             'rate' => $data['rate'],
             'loan_period' => $data['loan_period'],
-            'loan_time' => $data['loan_time'],
+            //'loan_time' => $data['loan_time'],
             'job' => $data['job'],
             'policy' => $data['policy'],
             'house' => $data['house'],