Merge remote-tracking branch 'origin/dev' into prod

# Conflicts:
#	yd-csf-api/Dockerfile

yd-csf-api/Dockerfile

-# 基础镜像
-FROM openjdk:8
-# 维护人
+# JRE 运行时（原 openjdk:8 官方镜像已停更无补丁）；tag 固定到具体小版本保证构建可重现
+# 升级时替换为服务器可拉取的最新 8uXXX-bXX-jre-jammy
+FROM eclipse-temurin:8u422-b05-jre-jammy
+
 LABEL maintainer="zxm<2060197959@qq.com>"
 LABEL maintainer="zxm<2060197959@qq.com>"
-# 创建应用目录
-RUN mkdir -p /home/app
-# 创建日志目录并授权（默认 root 可写）
-#RUN mkdir -p /var/log/yd-csf-api && chmod 755 /var/log/yd-csf-api
-
-# 拷贝项目jar
-COPY target/yd-csf-api-1.0-SNAPSHOT-exec.jar /home/app/yd-csf-api.jar
-# 启动命令
-ENTRYPOINT ["java", "-Duser.timezone=Asia/Shanghai", "-Xmx256m", "-Xms128m", "-jar", "/home/app/yd-csf-api.jar"]
+
+ENV TZ=Asia/Shanghai \
+    JAVA_OPTS="-Xmx256m -Xms128m"
+
+# 固定 UID 1001，与宿主机日志目录属主对齐；提前创建日志目录并授权给非 root 用户
+RUN groupadd -r app --gid=1001 \
+    && useradd -r -g app --uid=1001 -d /home/app app \
+    && mkdir -p /var/log/yd-csf-api \
+    && chown app:app /var/log/yd-csf-api
+
+# COPY 会自动创建父目录 /home/app，无需单独 mkdir
+COPY --chown=app:app target/yd-csf-api-1.0-SNAPSHOT-exec.jar /home/app/yd-csf-api.jar
+
+USER app
 EXPOSE 9202
 EXPOSE 9202
+# sh -c + exec：保证 JVM 成为 1 号进程，docker stop 的 SIGTERM 可直达，支持优雅停机
+ENTRYPOINT ["sh", "-c", "exec java $JAVA_OPTS -Duser.timezone=Asia/Shanghai -jar /home/app/yd-csf-api.jar"]

yd-csf-api/pom.xml

@@ -80,6 +80,12 @@
             <artifactId>hutool-all</artifactId>
             <artifactId>hutool-all</artifactId>
         </dependency>
         </dependency>
 
 
+        <!-- 邮件发送：续期提醒等内部通知，直连 SMTP -->
+        <dependency>
+            <groupId>org.springframework.boot</groupId>
+            <artifactId>spring-boot-starter-mail</artifactId>
+        </dependency>
+
         <dependency>
         <dependency>
             <groupId>com.yd</groupId>
             <groupId>com.yd</groupId>
             <artifactId>yd-question-feign</artifactId>
             <artifactId>yd-question-feign</artifactId>
@@ -103,6 +109,16 @@
             <groupId>com.belerweb</groupId>
             <groupId>com.belerweb</groupId>
             <artifactId>pinyin4j</artifactId>
             <artifactId>pinyin4j</artifactId>
         </dependency>
         </dependency>
+        <dependency>
+            <groupId>junit</groupId>
+            <artifactId>junit</artifactId>
+            <scope>test</scope>
+        </dependency>
+        <dependency>
+            <groupId>org.junit.jupiter</groupId>
+            <artifactId>junit-jupiter</artifactId>
+            <scope>test</scope>
+        </dependency>
     </dependencies>
     </dependencies>
 
 
     <build>
     <build>

yd-csf-api/src/main/java/com/yd/csf/api/controller/ApiPolicyFollowController.java

@@ -26,6 +26,7 @@ import com.yd.csf.api.listener.PolicyDataListener;
 import com.yd.csf.api.service.ApiCommissionConditionService;
 import com.yd.csf.api.service.ApiCommissionConditionService;
 import com.yd.csf.api.service.ApiExpectedFortuneService;
 import com.yd.csf.api.service.ApiExpectedFortuneService;
 import com.yd.csf.api.service.ApiPolicyFollowService;
 import com.yd.csf.api.service.ApiPolicyFollowService;
+import com.yd.csf.api.service.ApiPolicyFollowExportService;
 import com.yd.csf.feign.request.expectedfortune.ApiGenerateExpectedFortuneRequest;
 import com.yd.csf.feign.request.expectedfortune.ApiGenerateExpectedFortuneRequest;
 import com.yd.csf.feign.response.appointment.ApiAppointmentDetailResponse;
 import com.yd.csf.feign.response.appointment.ApiAppointmentDetailResponse;
 import com.yd.csf.feign.response.expectedfortune.ApiGenerateExpectedFortuneResponse;
 import com.yd.csf.feign.response.expectedfortune.ApiGenerateExpectedFortuneResponse;
@@ -67,6 +68,7 @@ import javax.servlet.ServletOutputStream;
 import javax.servlet.http.HttpServletRequest;
 import javax.servlet.http.HttpServletRequest;
 import javax.servlet.http.HttpServletResponse;
 import javax.servlet.http.HttpServletResponse;
 import javax.validation.constraints.NotBlank;
 import javax.validation.constraints.NotBlank;
+import java.io.UnsupportedEncodingException;
 import java.math.BigDecimal;
 import java.math.BigDecimal;
 import java.sql.SQLIntegrityConstraintViolationException;
 import java.sql.SQLIntegrityConstraintViolationException;
 import java.text.ParseException;
 import java.text.ParseException;
@@ -112,6 +114,8 @@ public class ApiPolicyFollowController {
     private FeignResultHelper feignResultHelper;
     private FeignResultHelper feignResultHelper;
     @Resource
     @Resource
     private ApiExpectedFortuneAsyncService apiExpectedFortuneAsyncService;
     private ApiExpectedFortuneAsyncService apiExpectedFortuneAsyncService;
+    @Resource
+    private ApiPolicyFollowExportService apiPolicyFollowExportService;
 
 
     @Autowired
     @Autowired
     private ApiCommissionConditionService apiCommissionConditionService;
     private ApiCommissionConditionService apiCommissionConditionService;
@@ -510,6 +514,16 @@ public class ApiPolicyFollowController {
     }
     }
 
 
     /**
     /**
+     * 按页面查询条件导出新单跟进清单（与列表查询同一筛选口径，30 列模板，R 列为实时计算的保费到期日）
+     */
+    @PostMapping("/export")
+    @Operation(summary = "导出新单跟进列表")
+    public void exportPolicyFollow(@RequestBody PolicyFollowQueryRequest policyFollowQueryRequest,
+                                   HttpServletResponse response) {
+        apiPolicyFollowExportService.export(policyFollowQueryRequest, response);
+    }
+
+    /**
      * 修改跟进状态
      * 修改跟进状态
      *
      *
      * @param changePolicyFollowStatusRequest
      * @param changePolicyFollowStatusRequest

yd-csf-api/src/main/java/com/yd/csf/api/handler/RenewalRemindJobHandler.java

+package com.yd.csf.api.handler;
+
+import com.xxl.job.core.handler.annotation.XxlJob;
+import com.yd.csf.api.service.RenewalDispatchService;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+
+import javax.annotation.Resource;
+
+/**
+ * 保单续期提醒月度任务处理器。
+ * 默认每月 1 号由 XXL-Job Admin 触发（cron 在 Admin 维护）；
+ * 支持手动传参 bizMonth=yyyy-MM 补发指定月份。
+ */
+@Component
+@Slf4j
+public class RenewalRemindJobHandler {
+
+    @Resource
+    private RenewalDispatchService renewalDispatchService;
+
+    @XxlJob("renewalRemindJobHandler")
+    public void execute() {
+        String param = com.xxl.job.core.context.XxlJobHelper.getJobParam();
+        log.info("开始保单续期提醒任务，参数: {}", param);
+        renewalDispatchService.dispatch(param);
+    }
+}

yd-csf-api/src/main/java/com/yd/csf/api/service/ApiPolicyFollowExportService.java

+package com.yd.csf.api.service;
+
+import com.alibaba.excel.EasyExcel;
+import com.alibaba.excel.ExcelWriter;
+import com.alibaba.excel.write.metadata.WriteSheet;
+import com.baomidou.mybatisplus.core.conditions.query.QueryWrapper;
+import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
+import com.yd.common.exception.BusinessException;
+import com.yd.csf.service.component.TemplateStyleStrategy;
+import com.yd.csf.service.dto.PolicyFollowQueryRequest;
+import com.yd.csf.service.model.PolicyFollow;
+import com.yd.csf.service.service.PolicyFollowService;
+import com.yd.csf.service.component.renewal.RenewalDueDateCalculator;
+import com.yd.csf.service.utils.SimpleDateUtils;
+import com.yd.csf.service.vo.RenewalPolicyExportDTO;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.commons.collections4.CollectionUtils;
+import org.springframework.stereotype.Service;
+
+import javax.annotation.Resource;
+import javax.servlet.http.HttpServletResponse;
+import java.io.IOException;
+import java.io.UnsupportedEncodingException;
+import java.net.URLEncoder;
+import java.nio.charset.StandardCharsets;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.ArrayList;
+import java.util.Date;
+import java.util.List;
+
+/**
+ * 新单跟进列表导出：行集与分页页面查询同一筛选口径，列沿用保单清单 30 列模板，
+ * R 列「保费到期日」按当天逐行实时计算。
+ */
+@Service
+@Slf4j
+public class ApiPolicyFollowExportService {
+
+    /** 单次导出行数硬上限，超过需缩小筛选条件 */
+    private static final long MAX_EXPORT_ROWS = 50_000L;
+    private static final long PAGE_SIZE = 2_000L;
+    private static final String XLSX_CONTENT_TYPE =
+            "application/vnd.openxmlformats-officedocument.spreadsheetml.sheet";
+    private static final DateTimeFormatter DAY_FMT = DateTimeFormatter.ofPattern("yyyyMMdd");
+
+    @Resource
+    private PolicyFollowService policyFollowService;
+
+    public void export(PolicyFollowQueryRequest request, HttpServletResponse response) {
+        QueryWrapper<PolicyFollow> wrapper = policyFollowService.getQueryWrapper(request);
+
+        long total = policyFollowService.count(wrapper);
+        if (total == 0) {
+            throw new BusinessException("无导出数据");
+        }
+        if (total > MAX_EXPORT_ROWS) {
+            throw new BusinessException(String.format(
+                    "导出数据量 %d 条超过上限 %d 条，请缩小筛选条件后再导出", total, MAX_EXPORT_ROWS));
+        }
+
+        long pages = (total + PAGE_SIZE - 1) / PAGE_SIZE;
+        LocalDate today = LocalDate.now();
+
+        Page<PolicyFollow> firstPage = policyFollowService.page(new Page<>(1, PAGE_SIZE, false), wrapper);
+
+        setDownloadHeaders(response, buildFileName(today));
+        try (ExcelWriter writer = EasyExcel.write(response.getOutputStream(), RenewalPolicyExportDTO.class)
+                .useDefaultStyle(false)
+                .registerWriteHandler(new TemplateStyleStrategy())
+                .build()) {
+            WriteSheet sheet = EasyExcel.writerSheet("新单跟进").build();
+            writer.write(toRows(firstPage.getRecords(), today), sheet);
+            for (long pageNo = 2; pageNo <= pages; pageNo++) {
+                Page<PolicyFollow> pageData = policyFollowService.page(
+                        new Page<>(pageNo, PAGE_SIZE, false), wrapper);
+                if (CollectionUtils.isEmpty(pageData.getRecords())) {
+                    break;
+                }
+                writer.write(toRows(pageData.getRecords(), today), sheet);
+            }
+        } catch (IOException e) {
+            log.error("新单跟进导出写入失败，total={}", total, e);
+            throw new BusinessException("导出新单跟进清单失败");
+        }
+    }
+
+    private List<RenewalPolicyExportDTO> toRows(List<PolicyFollow> policies, LocalDate today) {
+        List<RenewalPolicyExportDTO> rows = new ArrayList<>(policies.size());
+        for (PolicyFollow p : policies) {
+            RenewalDueDateCalculator.Result result = RenewalDueDateCalculator.calculate(
+                    SimpleDateUtils.toLocalDate(p.getEffectiveDate()),
+                    p.getPaymentFrequency(),
+                    p.getIssueNumber(),
+                    today);
+            Date dueDate = result.isIncluded()
+                    ? Date.from(result.getDueDate().atStartOfDay(java.time.ZoneId.systemDefault()).toInstant())
+                    : null;
+            rows.add(RenewalPolicyExportDTO.toRow(p, dueDate));
+        }
+        return rows;
+    }
+
+    private String buildFileName(LocalDate today) {
+        String raw = "新单跟进清单_" + today.format(DAY_FMT) + ".xlsx";
+        try {
+            return URLEncoder.encode(raw, StandardCharsets.UTF_8.name()).replaceAll("\\+", "%20");
+        } catch (UnsupportedEncodingException e) {
+            // UTF-8 为 JVM 规范保证支持，理论不可达
+            throw new IllegalStateException(e);
+        }
+    }
+
+    private void setDownloadHeaders(HttpServletResponse response, String encodedFileName) {
+        response.setContentType(XLSX_CONTENT_TYPE);
+        response.setCharacterEncoding(StandardCharsets.UTF_8.name());
+        response.setHeader("Content-disposition", "attachment;filename*=utf-8''" + encodedFileName);
+    }
+}

yd-csf-api/src/main/java/com/yd/csf/api/service/RenewalDispatchService.java

+package com.yd.csf.api.service;
+
+/**
+ * 续期提醒月度跑批编排：筛选 → 生成清单 → 发邮件 → 批次落库
+ */
+public interface RenewalDispatchService {
+
+    /**
+     * 执行一次续期提醒跑批
+     *
+     * @param bizMonth 执行月参数（yyyy-MM 或 bizMonth=yyyy-MM），为空时取当前月
+     */
+    void dispatch(String bizMonth);
+}

yd-csf-api/src/main/java/com/yd/csf/api/service/RenewalMailService.java

+package com.yd.csf.api.service;
+
+import java.util.List;
+
+/**
+ * 续期提醒邮件发送（JavaMail 直连 SMTP，见 RenewalMailServiceImpl）。
+ */
+public interface RenewalMailService {
+
+    /**
+     * 发送带 Excel 附件的邮件
+     *
+     * @param recipients 收件人邮箱列表
+     * @param subject    邮件主题
+     * @param content    邮件正文
+     * @param fileName   附件文件名
+     * @param attachment 附件字节内容
+     */
+    void sendWithAttachment(List<String> recipients, String subject, String content,
+                            String fileName, byte[] attachment);
+
+    /**
+     * 发送无附件 HTML 邮件（逐单文字通知），To 单地址 + CC 列表，发件人带显示名。
+     *
+     * @param to          唯一主送人
+     * @param ccList      抄送列表（可为空）
+     * @param subject     邮件主题
+     * @param htmlContent HTML 正文
+     */
+    void sendHtml(String to, List<String> ccList, String subject, String htmlContent);
+}

yd-csf-api/src/main/java/com/yd/csf/api/service/impl/RenewalDispatchServiceImpl.java

+package com.yd.csf.api.service.impl;
+
+import com.yd.common.exception.BusinessException;
+import com.yd.common.utils.RandomStringGenerator;
+import com.yd.csf.api.service.RenewalDispatchService;
+import com.yd.csf.api.service.RenewalMailService;
+import com.yd.csf.service.component.renewal.RenewalPolicyMailBuilder;
+import com.yd.csf.service.component.renewal.RenewalPolicyReportService;
+import com.yd.csf.service.component.renewal.RenewalDuePolicy;
+import com.yd.csf.service.component.renewal.RenewalReminderData;
+import com.yd.csf.service.enums.RenewalMailTypeEnum;
+import com.yd.csf.service.enums.RenewalRemindStatusEnum;
+import com.yd.csf.service.model.RenewalRemindBatch;
+import com.yd.csf.service.model.RenewalRemindPolicyMail;
+import com.yd.csf.service.service.IRenewalRemindBatchService;
+import com.yd.csf.service.service.IRenewalRemindPolicyMailService;
+import com.yd.csf.service.service.RenewalReminderQueryService;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.commons.collections4.CollectionUtils;
+import org.apache.commons.lang3.StringUtils;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.stereotype.Service;
+
+import javax.annotation.Resource;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.time.YearMonth;
+import java.time.format.DateTimeParseException;
+import java.util.ArrayList;
+import java.util.Arrays;
+import java.util.Collections;
+import java.util.HashSet;
+import java.util.List;
+import java.util.Map;
+import java.util.Set;
+import java.util.regex.Pattern;
+import java.util.stream.Collectors;
+
+/**
+ * 续期提醒月度跑批编排实现：R2 宽限期跟进 + R1 到期通知逐单发送，全部成功后发送 Excel 汇总邮件。
+ */
+@Service
+@Slf4j
+public class RenewalDispatchServiceImpl implements RenewalDispatchService {
+
+    private static final String BATCH_BIZ_ID_PREFIX = "RR";
+    private static final int ERROR_MSG_MAX_LEN = 1900;
+    private static final Pattern EMAIL_PATTERN =
+            Pattern.compile("^[A-Za-z0-9._%+-]+@[A-Za-z0-9.-]+\\.[A-Za-z]{2,}$");
+
+    @Value("${renewal.reminder.recipients:}")
+    private String recipientsConfig;
+    /**
+     * 逐单邮件唯一主送人
+     */
+    @Value("${renewal.reminder.policy.to:}")
+    private String policyToConfig;
+    /**
+     * 逐单邮件抄送名单（逗号分隔，可空）
+     */
+    @Value("${renewal.reminder.policy.cc:}")
+    private String policyCcConfig;
+    @Value("${renewal.reminder.default-grace-days:31}")
+    private int defaultGraceDays;
+    @Value("${renewal.reminder.send-interval-ms:2000}")
+    private long sendIntervalMs;
+
+    @Resource
+    private RenewalReminderQueryService renewalReminderQueryService;
+    @Resource
+    private RenewalPolicyReportService renewalPolicyReportService;
+    @Resource
+    private RenewalMailService renewalMailService;
+    @Resource
+    private IRenewalRemindBatchService renewalRemindBatchService;
+    @Resource
+    private IRenewalRemindPolicyMailService renewalRemindPolicyMailService;
+    @Resource
+    private RenewalPolicyMailBuilder policyMailBuilder;
+
+    @Override
+    public void dispatch(String bizMonthParam) {
+        YearMonth execMonth = parseExecMonth(bizMonthParam);
+        String bizMonth = execMonth.toString();
+        RenewalRemindBatch existBatch = renewalRemindBatchService.queryByBizMonth(bizMonth);
+        if (existBatch != null
+                && RenewalRemindStatusEnum.SUCCESS.getItemValue().equals(existBatch.getStatus())) {
+            log.info("续期提醒当月已成功发送，跳过。bizMonth={}", bizMonth);
+            return;
+        }
+
+        RenewalReminderData data = null;
+        String fileName = null;
+        String recipientsSnapshot = null;
+        List<String> failures = new ArrayList<>();
+        try {
+            // 1. 配置 fail-fast：任何收件配置错误都在发信前暴露
+            List<String> summaryRecipients = parseAddressList(recipientsConfig);
+            List<String> policyToList = parseAddressList(policyToConfig);
+            List<String> policyCcList = parseAddressList(policyCcConfig);
+            validateConfig(summaryRecipients, policyToList, policyCcList);
+            String policyTo = policyToList.get(0);
+            String ccSnapshot = CollectionUtils.isEmpty(policyCcList) ? null : String.join(",", policyCcList);
+            recipientsSnapshot = String.join(",", summaryRecipients);
+
+            // 2. 计算基准日固定为执行月 1 号：定时跑与手动补发同一 bizMonth 结果可复现
+            LocalDate baseDate = execMonth.atDay(1);
+            data = renewalReminderQueryService.build(execMonth, baseDate);
+
+            List<RenewalDuePolicy> r1List = data.getDuePolicies();
+            List<RenewalDuePolicy> r2List = data.getDunPolicies();
+
+            // 3. 两轮均空：不发任何邮件，记 EMPTY
+            if (CollectionUtils.isEmpty(r1List) && CollectionUtils.isEmpty(r2List)) {
+                saveBatch(existBatch, execMonth, data, null,
+                        RenewalRemindStatusEnum.EMPTY, null, null, 0, 0);
+                log.info("续期提醒两轮均无命中，已记 EMPTY。bizMonth={}", bizMonth);
+                return;
+            }
+
+            // 4. 当月逐单留痕：构建已 SUCCESS 集合，重跑绝不重发
+            Set<String> succeededKeys = buildSucceededKeys(
+                    renewalRemindPolicyMailService.listByBizMonth(bizMonth));
+
+            // 5. 逐封发送：R2 先、R1 后；单封失败仅记该封 FAIL 并继续
+            int[] missingTotal = {0};
+            int[] attempted = {0};
+            // R2 先发送（宽限期紧迫），R1 后发送
+            sendRound(r2List, RenewalMailTypeEnum.R2, bizMonth, policyTo, ccSnapshot,
+                    succeededKeys, failures, missingTotal, attempted, data.getSkipped());
+            sendRound(r1List, RenewalMailTypeEnum.R1, bizMonth, policyTo, ccSnapshot,
+                    succeededKeys, failures, missingTotal, attempted, data.getSkipped());
+
+            // 6. R1 非空即发送 Excel 汇总：汇总收件人与逐单收件人不同，清单送达不与逐单通道成败挂钩
+            if (CollectionUtils.isNotEmpty(r1List)) {
+                fileName = renewalPolicyReportService.buildFileName(data, LocalDate.now());
+                byte[] attachment = renewalPolicyReportService.generate(data);
+                String subject = buildSubject(data);
+                String content = buildContent(data, missingTotal[0]);
+                renewalMailService.sendWithAttachment(summaryRecipients, subject, content, fileName, attachment);
+            }
+
+            // 7. 逐单存在失败：汇总已送达，批次仍记 FAIL 并抛出，使调度标红、重跑只补失败封
+            if (!failures.isEmpty()) {
+                String errorMsg = StringUtils.substring(String.join("; ", failures), 0, ERROR_MSG_MAX_LEN);
+                log.error("续期提醒 {} 封逐单邮件失败（汇总邮件已发送）。bizMonth={}, 明细={}",
+                        failures.size(), bizMonth, errorMsg);
+                throw new BusinessException("续期提醒逐单邮件失败 " + failures.size() + " 封: " + errorMsg);
+            }
+
+            saveBatch(existBatch, execMonth, data, fileName,
+                    RenewalRemindStatusEnum.SUCCESS, null, recipientsSnapshot, r2List.size(), 0);
+            log.info("续期提醒发送完成。bizMonth={}, R1={}, R2={}, 待核对项={}",
+                    bizMonth, r1List.size(), r2List.size(), missingTotal[0]);
+        } catch (BusinessException e) {
+            // 配置 fail-fast、逐单失败等业务异常：批次落 FAIL（汇总可能已发出，fileName 保留）
+            String errorMsg = StringUtils.substring(e.getMessage(), 0, ERROR_MSG_MAX_LEN);
+            saveBatch(existBatch, execMonth, data, fileName,
+                    RenewalRemindStatusEnum.FAIL, errorMsg, recipientsSnapshot,
+                    data == null ? 0 : data.getDunPolicies().size(), failures.size());
+            throw e;
+        } catch (Exception e) {
+            // 汇总邮件等非逐单环节异常：批次 FAIL（逐单成功封已留痕，重跑只补未竟部分）
+            String errorMsg = StringUtils.substring(e.getMessage(), 0, ERROR_MSG_MAX_LEN);
+            saveBatch(existBatch, execMonth, data, fileName,
+                    RenewalRemindStatusEnum.FAIL, errorMsg, recipientsSnapshot,
+                    data == null ? 0 : data.getDunPolicies().size(), failures.size());
+            log.error("续期提醒跑批失败。bizMonth={}", bizMonth, e);
+            throw new BusinessException("续期提醒跑批失败: " + e.getMessage());
+        }
+    }
+
+    /**
+     * 发送一轮逐单邮件。已 SUCCESS 的保单邮件跳过；发送失败仅记该封 FAIL 不中断整轮；
+     * 模板构建失败（正常已在筛选层拦截，如空保单号）跳过该单计入异常明细，不拖垮整批。
+     */
+    private void sendRound(List<RenewalDuePolicy> items, RenewalMailTypeEnum type, String bizMonth,
+                           String to, String ccSnapshot, Set<String> succeededKeys,
+                           List<String> failures, int[] missingTotal, int[] attempted,
+                           Map<String, String> skipped) {
+        if (CollectionUtils.isEmpty(items)) {
+            return;
+        }
+        List<String> ccList = ccSnapshot == null
+                ? Collections.emptyList()
+                : Arrays.asList(ccSnapshot.split(","));
+        for (RenewalDuePolicy item : items) {
+            Long policyFollowId = item.getPolicyFollow().getId();
+            String key = mailKey(policyFollowId, type.getItemValue());
+
+            // 模板构建（不依赖网络）：缺失字段统计对全部保单进行，保证汇总计数稳定
+            RenewalPolicyMailBuilder.BuiltMail built;
+            try {
+                built = policyMailBuilder.build(item, type);
+                missingTotal[0] += built.getMissingFieldCount();
+            } catch (Exception e) {
+                // 无法构建（如保单号为空，筛选层本应已拦）：跳过计异常，批次可 SUCCESS，数据修复后重跑补发
+                log.error("续期提醒邮件构建失败，跳过该单，{}，policyFollowId={}", type, policyFollowId, e);
+                if (skipped != null) {
+                    skipped.putIfAbsent(String.valueOf(policyFollowId),
+                            "邮件构建失败(" + type.getItemValue() + "): "
+                                    + StringUtils.substring(StringUtils.defaultString(e.getMessage()), 0, 200));
+                }
+                continue;
+            }
+
+            // 已 SUCCESS 的保单邮件任何情况下不重发
+            if (succeededKeys.contains(key)) {
+                log.info("逐单邮件已成功留痕，跳过。bizMonth={}, key={}", bizMonth, key);
+                continue;
+            }
+
+            if (attempted[0] > 0 && sendIntervalMs > 0) {
+                sleepBetweenMails();
+            }
+            attempted[0]++;
+            try {
+                renewalMailService.sendHtml(to, ccList, built.getSubject(), built.getHtmlContent());
+                upsertMailRecord(item, type, bizMonth, to, ccSnapshot, true, null);
+            } catch (Exception e) {
+                log.error("续期提醒邮件发送失败，{}，policyNo={}", type,
+                        item.getPolicyFollow().getPolicyNo(), e);
+                upsertMailRecord(item, type, bizMonth, to, ccSnapshot, false, e.getMessage());
+                failures.add(failureDesc(item, type, e.getMessage()));
+            }
+        }
+    }
+
+    private void sleepBetweenMails() {
+        try {
+            Thread.sleep(sendIntervalMs);
+        } catch (InterruptedException ie) {
+            Thread.currentThread().interrupt();
+            throw new BusinessException("续期提醒跑批被中断");
+        }
+    }
+
+    /**
+     * 逐封发送结果落留痕表（按唯一键 upsert，FAIL→SUCCESS 更新同一行）
+     */
+    private void upsertMailRecord(RenewalDuePolicy item, RenewalMailTypeEnum type, String bizMonth,
+                                  String to, String ccSnapshot, boolean success, String errorMsg) {
+        RenewalRemindPolicyMail record = new RenewalRemindPolicyMail();
+        record.setBizMonth(bizMonth);
+        record.setPolicyFollowId(item.getPolicyFollow().getId());
+        record.setPolicyNo(item.getPolicyFollow().getPolicyNo());
+        record.setMailType(type.getItemValue());
+        record.setDueDate(item.getDueDate());
+        record.setGraceEnd(item.getGraceEnd());
+        record.setToRecipients(to);
+        record.setCcRecipients(ccSnapshot);
+        record.setStatus(success ? RenewalRemindStatusEnum.SUCCESS.getItemValue()
+                : RenewalRemindStatusEnum.FAIL.getItemValue());
+        record.setErrorMsg(success ? null : StringUtils.substring(errorMsg, 0, ERROR_MSG_MAX_LEN));
+        record.setSendTime(success ? LocalDateTime.now() : null);
+        renewalRemindPolicyMailService.saveOrUpdateByUk(record);
+    }
+
+    private Set<String> buildSucceededKeys(List<RenewalRemindPolicyMail> records) {
+        Set<String> keys = new HashSet<>();
+        if (CollectionUtils.isEmpty(records)) {
+            return keys;
+        }
+        for (RenewalRemindPolicyMail record : records) {
+            if (RenewalRemindStatusEnum.SUCCESS.getItemValue().equals(record.getStatus())) {
+                keys.add(mailKey(record.getPolicyFollowId(), record.getMailType()));
+            }
+        }
+        return keys;
+    }
+
+    private String mailKey(Long policyFollowId, String mailType) {
+        return policyFollowId + "|" + mailType;
+    }
+
+    private String failureDesc(RenewalDuePolicy item, RenewalMailTypeEnum type, String message) {
+        return StringUtils.defaultIfBlank(item.getPolicyFollow().getPolicyNo(),
+                "id=" + item.getPolicyFollow().getId())
+                + "(" + type.getItemValue() + "): "
+                + StringUtils.substring(StringUtils.defaultString(message), 0, 200);
+    }
+
+    private void saveBatch(RenewalRemindBatch exist, YearMonth execMonth, RenewalReminderData data,
+                           String fileName, RenewalRemindStatusEnum status,
+                           String errorMsg, String recipients, int dunCount, int mailFailCount) {
+        RenewalRemindBatch batch = exist == null ? new RenewalRemindBatch() : exist;
+        if (exist == null) {
+            batch.setBatchBizId(RandomStringGenerator.generateBizId16(BATCH_BIZ_ID_PREFIX));
+            batch.setBizMonth(execMonth.toString());
+            batch.setCreateTime(LocalDateTime.now());
+        }
+        // 查询阶段就失败时 data 可能为空，窗口由执行月推导
+        batch.setWindowStart(data != null ? data.getWindowStart() : execMonth.plusMonths(1).atDay(1));
+        batch.setWindowEnd(data != null ? data.getWindowEnd() : execMonth.plusMonths(2).atEndOfMonth());
+        batch.setPolicyCount(data != null ? data.getDuePolicies().size() : 0);
+        batch.setDunCount(dunCount);
+        batch.setMailFailCount(mailFailCount);
+        batch.setSkippedCount(data != null && data.getSkipped() != null ? data.getSkipped().size() : 0);
+        batch.setRecipients(recipients);
+        batch.setFileName(fileName);
+        batch.setStatus(status.getItemValue());
+        batch.setErrorMsg(errorMsg);
+        // 仅实际发信成功才记录发送时间；EMPTY 未发信、FAIL 发送失败，均置空
+        batch.setSendTime(status == RenewalRemindStatusEnum.SUCCESS ? LocalDateTime.now() : null);
+        batch.setUpdateTime(LocalDateTime.now());
+        renewalRemindBatchService.saveOrUpdate(batch);
+    }
+
+    private void validateConfig(List<String> summaryRecipients, List<String> policyToList,
+                                List<String> policyCcList) {
+        if (CollectionUtils.isEmpty(summaryRecipients)) {
+            throw new BusinessException("续期提醒汇总收件人未配置，请设置 renewal.reminder.recipients");
+        }
+        summaryRecipients.forEach(a -> assertValidEmail(a, "renewal.reminder.recipients"));
+        if (policyToList.size() != 1) {
+            throw new BusinessException("renewal.reminder.policy.to 必须且只能配置一个邮箱地址，实际: "
+                    + policyToList.size() + " 个");
+        }
+        assertValidEmail(policyToList.get(0), "renewal.reminder.policy.to");
+        policyCcList.forEach(a -> assertValidEmail(a, "renewal.reminder.policy.cc"));
+        if (defaultGraceDays <= 0) {
+            throw new BusinessException("renewal.reminder.default-grace-days 必须为正整数，实际: " + defaultGraceDays);
+        }
+        if (sendIntervalMs < 0) {
+            throw new BusinessException("renewal.reminder.send-interval-ms 不能为负数，实际: " + sendIntervalMs);
+        }
+    }
+
+    private void assertValidEmail(String address, String configKey) {
+        if (!EMAIL_PATTERN.matcher(address).matches()) {
+            throw new BusinessException("配置 " + configKey + " 存在非法邮箱地址: " + address);
+        }
+    }
+
+    private List<String> parseAddressList(String config) {
+        return Arrays.stream(StringUtils.defaultString(config).split(","))
+                .map(String::trim)
+                .filter(StringUtils::isNotBlank)
+                .collect(Collectors.toList());
+    }
+
+    private String buildSubject(RenewalReminderData data) {
+        LocalDate start = data.getWindowStart();
+        LocalDate end = data.getWindowEnd();
+        // 跨年发生在执行月 11 月（窗口为 12/1~次年 1/31）：同月省年、跨年带两年
+        String period = start.getYear() == end.getYear()
+                ? String.format("%d年%d-%d月", start.getYear(), start.getMonthValue(), end.getMonthValue())
+                : String.format("%d年%d月-%d年%d月",
+                        start.getYear(), start.getMonthValue(), end.getYear(), end.getMonthValue());
+        return String.format("【续期提醒】%s到期保单清单（共%d张）", period, data.getDuePolicies().size());
+    }
+
+    private String buildContent(RenewalReminderData data, int missingTotal) {
+        StringBuilder sb = new StringBuilder();
+        sb.append(String.format("以下保单将于 %s 至 %s 到期应缴续期保费，共 %d 张，详见附件。",
+                data.getWindowStart(), data.getWindowEnd(), data.getDuePolicies().size()));
+        if (CollectionUtils.isNotEmpty(data.getDunPolicies())) {
+            sb.append(String.format(" 本期宽限期跟进 %d 封。", data.getDunPolicies().size()));
+        }
+        // 两个口径分开：跳过是整张保单（张），待核对是字段项（项），不可合并计数
+        int skippedCount = data.getSkipped() == null ? 0 : data.getSkipped().size();
+        if (skippedCount > 0) {
+            sb.append(String.format(" 数据异常跳过 %d 张，请核对源数据（详见跑批日志）。", skippedCount));
+        }
+        if (missingTotal > 0) {
+            sb.append(String.format(" 字段待核对 %d 项。", missingTotal));
+        }
+        return sb.toString();
+    }
+
+    /**
+     * 支持入参为空（当前月）、"yyyy-MM"、"bizMonth=yyyy-MM"
+     */
+    private YearMonth parseExecMonth(String param) {
+        String value = StringUtils.trimToNull(param);
+        if (value == null) {
+            return YearMonth.now();
+        }
+        if (value.startsWith("bizMonth=")) {
+            value = StringUtils.trimToNull(value.substring("bizMonth=".length()));
+        }
+        if (value == null) {
+            return YearMonth.now();
+        }
+        try {
+            return YearMonth.parse(value);
+        } catch (DateTimeParseException e) {
+            throw new BusinessException("续期提醒任务参数格式错误，应为 yyyy-MM，实际: " + param);
+        }
+    }
+}

yd-csf-api/src/main/java/com/yd/csf/api/service/impl/RenewalMailServiceImpl.java

+package com.yd.csf.api.service.impl;
+
+import com.yd.csf.api.service.RenewalMailService;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.commons.collections4.CollectionUtils;
+import org.apache.commons.lang3.StringUtils;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.core.io.ByteArrayResource;
+import org.springframework.mail.javamail.JavaMailSender;
+import org.springframework.mail.javamail.MimeMessageHelper;
+import org.springframework.stereotype.Service;
+
+import javax.annotation.Resource;
+import javax.mail.internet.InternetAddress;
+import javax.mail.internet.MimeMessage;
+import java.nio.charset.StandardCharsets;
+import java.util.List;
+
+/**
+ * 续期提醒邮件发送：直连 SMTP。
+ * 配置见 Nacos：spring.mail.* 与 renewal.reminder.mail-from。
+ */
+@Service
+@Slf4j
+public class RenewalMailServiceImpl implements RenewalMailService {
+
+    @Resource
+    private JavaMailSender javaMailSender;
+
+    /**
+     * 发件人地址；不配置时取 spring.mail.username
+     */
+    @Value("${renewal.reminder.mail-from:}")
+    private String mailFrom;
+
+    @Value("${spring.mail.username:}")
+    private String mailUsername;
+
+    @Override
+    public void sendWithAttachment(List<String> recipients, String subject, String content,
+                                   String fileName, byte[] attachment) {
+        try {
+            MimeMessage message = javaMailSender.createMimeMessage();
+            MimeMessageHelper helper = new MimeMessageHelper(
+                    message, true, StandardCharsets.UTF_8.name());
+
+            helper.setFrom(resolveFrom());
+            helper.setTo(recipients.toArray(new String[0]));
+            helper.setSubject(subject);
+            helper.setText(content, false);
+            helper.addAttachment(fileName, new ByteArrayResource(attachment));
+
+            javaMailSender.send(message);
+            log.info("[续期提醒-邮件] 发送成功，收件人={}, 主题={}, 附件={}", recipients, subject, fileName);
+        } catch (Exception e) {
+            log.error("[续期提醒-邮件] 发送失败，收件人={}, 主题={}", recipients, subject, e);
+            throw new RuntimeException("续期提醒邮件发送失败: " + e.getMessage(), e);
+        }
+    }
+
+    @Override
+    public void sendHtml(String to, List<String> ccList, String subject, String htmlContent) {
+        try {
+            MimeMessage message = javaMailSender.createMimeMessage();
+            MimeMessageHelper helper = new MimeMessageHelper(
+                    message, false, StandardCharsets.UTF_8.name());
+
+            helper.setFrom(new InternetAddress(resolveFrom(), "续期保费通知", StandardCharsets.UTF_8.name()));
+            helper.setTo(to);
+            if (CollectionUtils.isNotEmpty(ccList)) {
+                helper.setCc(ccList.toArray(new String[0]));
+            }
+            helper.setSubject(subject);
+            helper.setText(htmlContent, true);
+
+            javaMailSender.send(message);
+            log.info("[续期提醒-邮件] HTML发送成功，To={}, CC={}, 主题={}", to, ccList, subject);
+        } catch (Exception e) {
+            log.error("[续期提醒-邮件] HTML发送失败，To={}, 主题={}", to, subject, e);
+            throw new RuntimeException("续期提醒HTML邮件发送失败: " + e.getMessage(), e);
+        }
+    }
+
+    private String resolveFrom() {
+        String from = StringUtils.defaultIfBlank(mailFrom, mailUsername);
+        if (StringUtils.isBlank(from)) {
+            throw new IllegalStateException("未配置发件人：renewal.reminder.mail-from 或 spring.mail.username");
+        }
+        return from;
+    }
+}

yd-csf-api/src/main/resources/logback-spring.xml.bak

@@ -13,6 +13,8 @@
         <rollingPolicy class="ch.qos.logback.core.rolling.TimeBasedRollingPolicy">
         <rollingPolicy class="ch.qos.logback.core.rolling.TimeBasedRollingPolicy">
             <fileNamePattern>${BASE_LOG_DIR}/%d{yyyy-MM-dd}/app.log</fileNamePattern>
             <fileNamePattern>${BASE_LOG_DIR}/%d{yyyy-MM-dd}/app.log</fileNamePattern>
             <maxHistory>30</maxHistory>
             <maxHistory>30</maxHistory>
+            <!-- 日志已 bind mount 到宿主机，限制总大小防止高频部署写满磁盘 -->
+            <totalSizeCap>2GB</totalSizeCap>
         </rollingPolicy>
         </rollingPolicy>
         <encoder>
         <encoder>
             <pattern>%d{yyyy-MM-dd HH:mm:ss.SSS} [%thread] %-5level %logger{36} - %msg%n</pattern>
             <pattern>%d{yyyy-MM-dd HH:mm:ss.SSS} [%thread] %-5level %logger{36} - %msg%n</pattern>

yd-csf-service/src/main/java/com/yd/csf/service/component/TemplateStyleStrategy.java

+package com.yd.csf.service.component;
+
+import com.alibaba.excel.write.handler.CellWriteHandler;
+import com.alibaba.excel.write.handler.SheetWriteHandler;
+import com.alibaba.excel.write.handler.context.CellWriteHandlerContext;
+import com.alibaba.excel.write.handler.context.SheetWriteHandlerContext;
+import org.apache.poi.ss.usermodel.BorderStyle;
+import org.apache.poi.ss.usermodel.Cell;
+import org.apache.poi.ss.usermodel.CellStyle;
+import org.apache.poi.ss.usermodel.Font;
+import org.apache.poi.ss.usermodel.HorizontalAlignment;
+import org.apache.poi.ss.usermodel.IndexedColors;
+import org.apache.poi.ss.usermodel.Sheet;
+import org.apache.poi.ss.usermodel.VerticalAlignment;
+import org.apache.poi.ss.usermodel.Workbook;
+
+/**
+ * 严格复刻 policy报表模版.xlsx 的样式：
+ * 宋体 11 不加粗、四边细边框、垂直居中；对齐与数字格式按列区分；冻结首行；按模板列宽。
+ * 模板中表头与数据使用同一套样式。
+ */
+public class TemplateStyleStrategy implements SheetWriteHandler, CellWriteHandler {
+
+    /** 文本：常规左对齐（模板 cellXfs 8） */
+    private static final int TEXT_LEFT = 0;
+    /** 居中（模板 9：D/U/V） */
+    private static final int CENTER = 1;
+    /** 数值 #,##0.00 左对齐（模板 10：J 每期保费） */
+    private static final int NUMBER_LEFT = 2;
+    /** 常规右对齐（模板 13：L/M/S） */
+    private static final int GENERAL_RIGHT = 3;
+    /** 日期 yyyy/MM/dd 右对齐（模板 12：N/O/Q；P/R 写入真实日期需日期格式） */
+    private static final int DATE_RIGHT = 4;
+
+    /** 30 列（A..AD）对应的样式类别 */
+    private static final int[] STYLE_BY_COL = {
+            TEXT_LEFT,      // A id
+            TEXT_LEFT,      // B 保单号
+            TEXT_LEFT,      // C 产品名称
+            CENTER,         // D PI
+            TEXT_LEFT,      // E 保单持有人（中文）
+            TEXT_LEFT,      // F 保单持有人（英文）
+            TEXT_LEFT,      // G 受保人（中文）
+            TEXT_LEFT,      // H 受保人（英文）
+            TEXT_LEFT,      // I 状态
+            NUMBER_LEFT,    // J 每期保费
+            TEXT_LEFT,      // K 保单币种
+            GENERAL_RIGHT,  // L 征费
+            GENERAL_RIGHT,  // M 总保费及征费
+            DATE_RIGHT,     // N 生效日
+            DATE_RIGHT,     // O 签单日
+            DATE_RIGHT,     // P 缮发日期
+            DATE_RIGHT,     // Q 冷静期结束日期
+            DATE_RIGHT,     // R 保费到期日
+            GENERAL_RIGHT,  // S 缴费年期
+            TEXT_LEFT,      // T 缴费频率
+            CENTER,         // U 是否预缴
+            CENTER,         // V 预缴年期
+            TEXT_LEFT,      // W 产品险种
+            TEXT_LEFT,      // X 保险公司
+            TEXT_LEFT,      // Y 出单经纪公司
+            TEXT_LEFT,      // Z 转介人
+            TEXT_LEFT,      // AA 签单员
+            TEXT_LEFT,      // AB 签单员牌照号码
+            TEXT_LEFT,      // AC 预约编号
+            TEXT_LEFT       // AD 签单地点
+    };
+
+    /** 模板列宽（字符单位）；日期列保证最小宽度避免显示 ### */
+    private static final double[] COL_WIDTH = {
+            4.43, 22.00, 35.57, 7.14, 19.29, 20.57, 23.14, 16.14, 12.57, 18.14,
+            15.14, 10.71, 16.29, 12.43, 12.43, 12.00, 16.29, 12.00, 12.29, 9.57,
+            9.71, 9.57, 9.57, 11.71, 14.00, 16.14, 14.86, 16.14, 20.00, 34.00
+    };
+
+    private CellStyle[] styles;
+
+    /**
+     * 必须在内置默认样式策略（DefaultStyle，order=0）之后执行，
+     * 否则其按列设置的单元格样式会被默认样式覆盖回 Calibri 无框。
+     */
+    @Override
+    public int order() {
+        return Integer.MAX_VALUE;
+    }
+
+    @Override
+    public void afterSheetCreate(SheetWriteHandlerContext context) {
+        Sheet sheet = context.getWriteSheetHolder().getSheet();
+        Workbook workbook = context.getWriteWorkbookHolder().getWorkbook();
+        initStyles(workbook);
+
+        for (int i = 0; i < COL_WIDTH.length; i++) {
+            sheet.setColumnWidth(i, (int) Math.round(COL_WIDTH[i] * 256));
+        }
+        // 冻结表头首行
+        sheet.createFreezePane(0, 1);
+    }
+
+    @Override
+    public void afterCellDispose(CellWriteHandlerContext context) {
+        Cell cell = context.getCell();
+        int col = cell.getColumnIndex();
+        if (styles == null || col < 0 || col >= STYLE_BY_COL.length) {
+            return;
+        }
+        // 表头与数据使用同一套按列样式
+        cell.setCellStyle(styles[STYLE_BY_COL[col]]);
+    }
+
+    private void initStyles(Workbook workbook) {
+        Font font = workbook.createFont();
+        font.setFontName("宋体");
+        font.setFontHeightInPoints((short) 11);
+        font.setBold(false);
+
+        styles = new CellStyle[5];
+        styles[TEXT_LEFT] = baseStyle(workbook, font, HorizontalAlignment.LEFT, null);
+        styles[CENTER] = baseStyle(workbook, font, HorizontalAlignment.CENTER, null);
+        styles[NUMBER_LEFT] = baseStyle(workbook, font, HorizontalAlignment.LEFT, "#,##0.00");
+        styles[GENERAL_RIGHT] = baseStyle(workbook, font, HorizontalAlignment.RIGHT, null);
+        styles[DATE_RIGHT] = baseStyle(workbook, font, HorizontalAlignment.RIGHT, "yyyy/MM/dd");
+    }
+
+    private CellStyle baseStyle(Workbook workbook, Font font, HorizontalAlignment align, String fmt) {
+        CellStyle style = workbook.createCellStyle();
+        style.setFont(font);
+        style.setBorderTop(BorderStyle.THIN);
+        style.setBorderBottom(BorderStyle.THIN);
+        style.setBorderLeft(BorderStyle.THIN);
+        style.setBorderRight(BorderStyle.THIN);
+        style.setTopBorderColor(IndexedColors.BLACK.getIndex());
+        style.setBottomBorderColor(IndexedColors.BLACK.getIndex());
+        style.setLeftBorderColor(IndexedColors.BLACK.getIndex());
+        style.setRightBorderColor(IndexedColors.BLACK.getIndex());
+        style.setVerticalAlignment(VerticalAlignment.CENTER);
+        style.setAlignment(align);
+        if (fmt != null) {
+            style.setDataFormat(workbook.createDataFormat().getFormat(fmt));
+        }
+        return style;
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/component/renewal/RenewalDueDateCalculator.java

+package com.yd.csf.service.component.renewal;
+
+import com.yd.csf.feign.enums.PaymentFrequencyEnum;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Objects;
+
+/**
+ * 保单续期保费到期日计算器。
+ *
+ * <p>规则对齐现有 Excel 模板「保费到期日」公式：</p>
+ * <ul>
+ *     <li>年缴每 12 个月、季缴每 3 个月、月缴每 1 个月为一个缴费日，以生效日为锚点；</li>
+ *     <li>取第一个严格晚于今天的缴费日；</li>
+ *     <li>缴费期满日 = 生效日 + 缴费年期年数 - 1 天，下一缴费日晚于期满日表示已缴完；</li>
+ *     <li>闰日（2/29）在非闰年由 LocalDate.plusMonths/plusYears 自动钳为 2/28。</li>
+ * </ul>
+ */
+public final class RenewalDueDateCalculator {
+
+    private RenewalDueDateCalculator() {
+    }
+
+    /**
+     * 计算单张保单的下一期保费到期日。
+     *
+     * @param effectiveDate 生效日
+     * @param frequency     缴费频率（PaymentFrequencyEnum 的 itemValue：YEAR/SEASON/MONTH/FULL_PAYMENT）
+     * @param issueNumber   缴费年期（年），库中类型不规整，可能为 Integer/String/BigDecimal
+     * @param today         当前日期（参数化便于测试）
+     * @return 计算结果；不纳入时 dueDate 为空并带跳过原因
+     */
+    public static Result calculate(LocalDate effectiveDate, String frequency, Object issueNumber, LocalDate today) {
+        String freq = StringUtils.trimToEmpty(frequency);
+
+        if (PaymentFrequencyEnum.FULL_PAYMENT.getItemValue().equals(freq)) {
+            return Result.skip("整付保单无续期保费", false);
+        }
+        int stepMonths;
+        if (PaymentFrequencyEnum.YEAR.getItemValue().equals(freq)) {
+            stepMonths = 12;
+        } else if (PaymentFrequencyEnum.SEASON.getItemValue().equals(freq)) {
+            stepMonths = 3;
+        } else if (PaymentFrequencyEnum.MONTH.getItemValue().equals(freq)) {
+            stepMonths = 1;
+        } else if (StringUtils.isBlank(freq)) {
+            return Result.skip("缴费频率为空", true);
+        } else {
+            return Result.skip("无法识别的缴费频率: " + freq, true);
+        }
+
+        if (Objects.isNull(effectiveDate)) {
+            return Result.skip("生效日为空", true);
+        }
+        Integer years = parseIssueNumber(issueNumber);
+        if (years == null) {
+            return Result.skip("缴费年期为空或无法解析: " + issueNumber, true);
+        }
+
+        LocalDate endDate = effectiveDate.plusYears(years).minusDays(1);
+        LocalDate candidate = effectiveDate;
+        while (!candidate.isAfter(today)) {
+            candidate = candidate.plusMonths(stepMonths);
+            if (candidate.isAfter(endDate)) {
+                return Result.skip("保单缴费期已满", false);
+            }
+        }
+        return Result.included(candidate);
+    }
+
+    /**
+     * 计算单张保单的当期缴费日：缴费日序列（k=0 首期 = 生效日）中不晚于基准日的最大者。
+     *
+     * <p>与 {@link #calculate} 严格互补：当期缴费日 ≤ 基准日 &lt; 下一缴费日。
+     * 基准日早于首期（生效日）时返回空；缴费期满后的日期不参与序列，保单缴完时
+     * 返回最后一个有效缴费日（由上层配合宽限期窗口判断是否命中 R2）。</p>
+     *
+     * @param effectiveDate 生效日
+     * @param frequency     缴费频率（PaymentFrequencyEnum 的 itemValue）
+     * @param issueNumber   缴费年期（年）
+     * @param baseDate      基准日（执行月 1 号）
+     * @return 计算结果；无当期缴费日时 dueDate 为空并带跳过原因
+     */
+    public static Result currentDueDate(LocalDate effectiveDate, String frequency,
+                                        Object issueNumber, LocalDate baseDate) {
+        String freq = StringUtils.trimToEmpty(frequency);
+
+        if (PaymentFrequencyEnum.FULL_PAYMENT.getItemValue().equals(freq)) {
+            return Result.skip("整付保单无续期保费", false);
+        }
+        int stepMonths;
+        if (PaymentFrequencyEnum.YEAR.getItemValue().equals(freq)) {
+            stepMonths = 12;
+        } else if (PaymentFrequencyEnum.SEASON.getItemValue().equals(freq)) {
+            stepMonths = 3;
+        } else if (PaymentFrequencyEnum.MONTH.getItemValue().equals(freq)) {
+            stepMonths = 1;
+        } else if (StringUtils.isBlank(freq)) {
+            return Result.skip("缴费频率为空", true);
+        } else {
+            return Result.skip("无法识别的缴费频率: " + freq, true);
+        }
+
+        if (Objects.isNull(effectiveDate)) {
+            return Result.skip("生效日为空", true);
+        }
+        if (Objects.isNull(baseDate)) {
+            return Result.skip("基准日为空", true);
+        }
+        Integer years = parseIssueNumber(issueNumber);
+        if (years == null) {
+            return Result.skip("缴费年期为空或无法解析: " + issueNumber, true);
+        }
+
+        LocalDate endDate = effectiveDate.plusYears(years).minusDays(1);
+        LocalDate last = null;
+        LocalDate candidate = effectiveDate;
+        while (!candidate.isAfter(baseDate)) {
+            if (candidate.isAfter(endDate)) {
+                break;
+            }
+            last = candidate;
+            candidate = candidate.plusMonths(stepMonths);
+        }
+        return last == null
+                ? Result.skip("基准日早于保单首期缴费日", false)
+                : Result.included(last);
+    }
+
+    /**
+     * 宽限期到期日 = 缴费日 + 宽限天数 - 1（含头尾：6/20 起计 31 天 = 7/20）。
+     *
+     * @param dueDate   缴费日
+     * @param graceDays 宽限天数（调用方保证为正数，空值已按配置兜底）
+     * @return 宽限期到期日；入参非法时返回 null
+     */
+    public static LocalDate graceEndDate(LocalDate dueDate, int graceDays) {
+        if (dueDate == null || graceDays <= 0) {
+            return null;
+        }
+        return dueDate.plusDays((long) graceDays - 1);
+    }
+
+    /**
+     * 解析缴费年期为整数年，兼容 "5"、"5.0"、5、5.00(BigDecimal) 等整数存储形态；
+     * 非正、非整数年（如 5.9，旧逻辑静默截断为 5）一律判空，由上层计异常。
+     */
+    private static Integer parseIssueNumber(Object issueNumber) {
+        if (Objects.isNull(issueNumber)) {
+            return null;
+        }
+        BigDecimal bd;
+        if (issueNumber instanceof BigDecimal) {
+            bd = (BigDecimal) issueNumber;
+        } else if (issueNumber instanceof Number) {
+            bd = new BigDecimal(issueNumber.toString());
+        } else {
+            String s = StringUtils.trimToNull(issueNumber.toString());
+            if (s == null) {
+                return null;
+            }
+            try {
+                bd = new BigDecimal(s);
+            } catch (NumberFormatException e) {
+                return null;
+            }
+        }
+        if (bd.signum() <= 0 || bd.stripTrailingZeros().scale() > 0) {
+            return null;
+        }
+        try {
+            return bd.intValueExact();
+        } catch (ArithmeticException e) {
+            return null;
+        }
+    }
+
+    /**
+     * 计算结果：dueDate 非空表示纳入提醒，为空时 skipReason 说明原因。
+     */
+    @Getter
+    public static class Result {
+        private final LocalDate dueDate;
+        private final String skipReason;
+        /**
+         * 是否为异常数据跳过（缺字段/无法解析）；整付、缴完等正常排除为 false
+         */
+        private final boolean abnormal;
+
+        private Result(LocalDate dueDate, String skipReason, boolean abnormal) {
+            this.dueDate = dueDate;
+            this.skipReason = skipReason;
+            this.abnormal = abnormal;
+        }
+
+        public static Result included(LocalDate dueDate) {
+            return new Result(dueDate, null, false);
+        }
+
+        public static Result skip(String reason, boolean abnormal) {
+            return new Result(null, reason, abnormal);
+        }
+
+        public boolean isIncluded() {
+            return dueDate != null;
+        }
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/component/renewal/RenewalDuePolicy.java

+package com.yd.csf.service.component.renewal;
+
+import com.yd.csf.service.model.PolicyFollow;
+import lombok.AllArgsConstructor;
+import lombok.Data;
+
+import java.time.LocalDate;
+
+/**
+ * 命中续期提醒的保单及其缴费日信息。
+ * R1 轮次 {@code dueDate} 为下一保费到期日；R2 轮次为当期缴费日。
+ */
+@Data
+@AllArgsConstructor
+public class RenewalDuePolicy {
+
+    private PolicyFollow policyFollow;
+
+    /**
+     * 保费到期日（R1=下一缴费日，R2=当期缴费日）
+     */
+    private LocalDate dueDate;
+
+    /**
+     * 宽限期到期日（dueDate + 宽限天数 - 1，含头尾）
+     */
+    private LocalDate graceEnd;
+
+    /**
+     * true=保单 grace_period 为空/非正，按配置默认宽限天数估算，邮件需标注「待核对」
+     */
+    private boolean graceFallback;
+
+    /**
+     * 实际使用的宽限天数（兜底时为默认值）
+     */
+    private int graceDays;
+}

yd-csf-service/src/main/java/com/yd/csf/service/component/renewal/RenewalPolicyMailBuilder.java

+package com.yd.csf.service.component.renewal;
+
+import com.yd.csf.service.enums.RenewalMailTypeEnum;
+import com.yd.csf.service.model.PolicyFollow;
+import com.yd.csf.service.utils.SimpleDateUtils;
+import lombok.AllArgsConstructor;
+import lombok.Getter;
+import org.apache.commons.lang3.StringUtils;
+import org.springframework.stereotype.Component;
+
+import java.math.BigDecimal;
+import java.text.DecimalFormat;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.concurrent.atomic.AtomicInteger;
+
+/**
+ * 逐单续期保费通知邮件构建器：简繁双语 HTML（内联 CSS、无图片无外链）。
+ * 版式按需求稿：字段单列、开场句日期加粗下划线、应缴总保费与备注红色、底部日期加粗下划线。
+ * 静态标签简体段/繁体段各一份，数据值原样填充不做简繁转换，全部做 HTML 转义。
+ */
+@Component
+public class RenewalPolicyMailBuilder {
+
+    private static final String MISSING_SC = "待核对";
+    private static final String MISSING_TC = "待核對";
+    private static final String FONT = "'Microsoft YaHei','PingFang SC',Arial,sans-serif";
+    private static final DateTimeFormatter DATE_FMT = DateTimeFormatter.ofPattern("yyyy年MM月dd日");
+    /**
+     * 需求稿强调色：应缴总保费、备注整行红色
+     */
+    private static final String EMPHASIS_RED = "#FF0000";
+    /**
+     * 标签对齐宽度（全角字符数，含冒号）；最长标签「保单持有人：」为 6
+     */
+    private static final int LABEL_WIDTH = 6;
+
+    /**
+     * 构建一封逐单通知邮件。
+     *
+     * @return 主题、HTML 正文、缺失字段数（非主键字段「待核对」项数，用于批次数据异常统计）
+     */
+    public BuiltMail build(RenewalDuePolicy item, RenewalMailTypeEnum type) {
+        PolicyFollow p = item.getPolicyFollow();
+        String policyNo = StringUtils.trimToNull(p.getPolicyNo());
+        if (policyNo == null) {
+            // 无法标识保单的主键级缺失：不发信，由编排层计入跳过
+            throw new IllegalArgumentException("保单号为空，无法构建逐单通知邮件，policyFollowId=" + p.getId());
+        }
+
+        AtomicInteger missing = new AtomicInteger(0);
+        String company = escapedOrNull(p.getInsuranceCompany(), missing);
+        String product = escapedOrNull(p.getProductName(), missing);
+        String holderRaw = StringUtils.defaultIfBlank(p.getPolicyHolder(), p.getPolicyHolderEn());
+        String holder = escapedOrNull(holderRaw, missing);
+        String insured = escapedOrNull(p.getInsured(), missing);
+        BigDecimal total = RenewalPremiumUtils.totalPremiumAndLevy(p);
+        String currency = StringUtils.trimToNull(p.getPolicyCurrency());
+        if (currency == null) {
+            missing.incrementAndGet();
+        }
+        if (total == null) {
+            missing.incrementAndGet();
+        }
+        // 金额 HTML（已转义）或 null（由各语言段替换为本地「待核对」）
+        String money = total == null ? null : formatMoney(currency, total);
+
+        LocalDate effectiveDate = SimpleDateUtils.toLocalDate(p.getEffectiveDate());
+        String dueDateText = item.getDueDate().format(DATE_FMT);
+        String graceEndText = item.getGraceEnd().format(DATE_FMT);
+        String effectiveText = effectiveDate == null ? null : effectiveDate.format(DATE_FMT);
+        // 兜底天数取自筛选侧解析结果（item.graceDays），模板不重复持有配置
+        String graceNoteSc = item.isGraceFallback()
+                ? "（宽限天数待核对（按默认 " + item.getGraceDays() + " 天估算））"
+                : "（获取保费到期日起计" + item.getGraceDays() + "天）";
+        String graceNoteTc = item.isGraceFallback()
+                ? "（寬限天數待核對（按預設 " + item.getGraceDays() + " 天估算））"
+                : "（获取保费到期日起计" + item.getGraceDays() + "天）";
+
+        // 主题进入邮件头：剥除控制字符（CR/LF 截断头注入，其余 Cntrl 破坏头编码）
+        String subject = sanitizeHeader((type == RenewalMailTypeEnum.R2 ? "【宽限期跟进】" : "")
+                + "续期保费通知-【" + policyNo + "】");
+
+        String html = "<div style=\"font-family:" + FONT + ";font-size:14px;color:#000000;line-height:1.9;\">"
+                + segment(Labels.SC, MISSING_SC, type, company, product, esc(policyNo), holder, insured,
+                money, effectiveText, dueDateText, graceEndText, graceNoteSc)
+                + "<hr style=\"border:none;border-top:1px solid #dddddd;margin:18px 0;\">"
+                + segment(Labels.TC, MISSING_TC, type, company, product, esc(policyNo), holder, insured,
+                money, effectiveText, dueDateText, graceEndText, graceNoteTc)
+                + "<p style=\"margin:16px 0 0 0;color:#888888;font-size:12px;\">"
+                + "本邮件由系统自动发送，请勿直接回复。<br>"
+                + "本郵件由系統自動發送，請勿直接回覆。"
+                + "</p>"
+                + "</div>";
+
+        return new BuiltMail(subject, html, missing.get());
+    }
+
+    /**
+     * 渲染一个语言段（简体或繁体）。数据值在入参前统一转义，繁体段不做简繁转换；
+     * 为空的字段以本段语言的「待核对」占位展示。
+     */
+    private String segment(Labels l, String missingMark, RenewalMailTypeEnum type,
+                           String company, String product, String policyNo, String holder, String insured,
+                           String money, String effectiveText, String dueDateText,
+                           String graceEndText, String graceNote) {
+        String opening;
+        String boldDue = boldUnderline(dueDateText);
+        if (type == RenewalMailTypeEnum.R2) {
+            opening = l.openingR2Prefix + boldDue + l.openingR2Middle
+                    + boldUnderline(graceEndText) + l.openingR2Suffix;
+        } else {
+            opening = l.openingR1Prefix + boldDue + l.openingR1Suffix;
+        }
+
+        StringBuilder sb = new StringBuilder();
+        sb.append("<p style=\"margin:0 0 8px 0;font-weight:bold;\">").append(l.segmentTitle).append("</p>");
+        sb.append("<p style=\"margin:0 0 10px 0;\">").append(opening).append("</p>");
+        // 保单资料：每字段单独一行，标签全角补齐对齐
+        sb.append("<div style=\"line-height:2;\">");
+        sb.append(fieldLine(l.company, markOrValue(company, missingMark)));
+        sb.append(fieldLine(l.product, markOrValue(product, missingMark)));
+        sb.append(fieldLine(l.policyNo, policyNo));
+        sb.append(fieldLine(l.holder, markOrValue(holder, missingMark)));
+        sb.append(fieldLine(l.insured, markOrValue(insured, missingMark)));
+        sb.append(fieldLine(l.premiumAndLevy, markOrValue(money, missingMark)));
+        sb.append(fieldLine(l.effectiveDate, markOrValue(effectiveText, missingMark)));
+        sb.append("</div>");
+        // 应缴总保费：标签+金额整行红色加粗
+        sb.append("<div style=\"margin-top:14px;color:").append(EMPHASIS_RED)
+                .append(";font-weight:bold;\">")
+                .append(l.totalPremium).append("：").append(markOrValue(money, missingMark))
+                .append("</div>");
+        // 备注：整行红色、常规字重（繁体段文案按需求稿原文）
+        sb.append("<div style=\"margin-top:4px;color:").append(EMPHASIS_RED).append(";\">")
+                .append(l.remark).append("</div>");
+        // 到期日区域与备注间空一行
+        sb.append("<div style=\"margin-top:22px;\">")
+                .append(l.dueDateLabel).append("：").append(boldDue)
+                .append("</div>");
+        sb.append("<div style=\"margin-top:6px;\">")
+                .append(l.graceEndLabel).append("：").append(boldUnderline(graceEndText))
+                .append("&nbsp;&nbsp;").append(graceNote)
+                .append("</div>");
+        return sb.toString();
+    }
+
+    private String fieldLine(String label, String value) {
+        return "<div>" + padLabel(label) + value + "</div>";
+    }
+
+    private String boldUnderline(String text) {
+        return "<span style=\"font-weight:bold;text-decoration:underline;\">" + text + "</span>";
+    }
+
+    /**
+     * 标签（含全角冒号）右侧补全角空格到固定宽度，使各字段值纵向对齐
+     */
+    private String padLabel(String labelWithColon) {
+        StringBuilder sb = new StringBuilder(labelWithColon);
+        while (sb.length() < LABEL_WIDTH) {
+            sb.append('　');
+        }
+        return sb.toString();
+    }
+
+    /**
+     * 取非空字段值并 HTML 转义；空/空白时返回 null（段落渲染时替换为对应语言的「待核对」），计数 +1。
+     */
+    private String escapedOrNull(String raw, AtomicInteger missing) {
+        String value = StringUtils.trimToNull(raw);
+        if (value == null) {
+            missing.incrementAndGet();
+            return null;
+        }
+        return esc(value);
+    }
+
+    private String markOrValue(String escapedValue, String missingMark) {
+        return escapedValue == null ? missingMark : escapedValue;
+    }
+
+    private String formatMoney(String currency, BigDecimal total) {
+        // DecimalFormat 非线程安全，局部创建
+        String number = new DecimalFormat("#,##0.00").format(total);
+        return currency == null ? number : esc(currency) + " " + number;
+    }
+
+    /**
+     * 剥除主题中的 ASCII 控制字符（含 CR/LF/Tab），防邮件头注入与非法头。
+     */
+    private String sanitizeHeader(String header) {
+        return header.replaceAll("\\p{Cntrl}", "");
+    }
+
+    /**
+     * HTML 转义数据值（& &lt; &gt; " '）
+     */
+    static String esc(String value) {
+        if (value == null) {
+            return null;
+        }
+        StringBuilder sb = new StringBuilder(value.length() + 16);
+        for (int i = 0; i < value.length(); i++) {
+            char c = value.charAt(i);
+            switch (c) {
+                case '&':
+                    sb.append("&amp;");
+                    break;
+                case '<':
+                    sb.append("&lt;");
+                    break;
+                case '>':
+                    sb.append("&gt;");
+                    break;
+                case '"':
+                    sb.append("&quot;");
+                    break;
+                case '\'':
+                    sb.append("&#39;");
+                    break;
+                default:
+                    sb.append(c);
+            }
+        }
+        return sb.toString();
+    }
+
+    /**
+     * 构建结果
+     */
+    @Getter
+    @AllArgsConstructor
+    public static class BuiltMail {
+        /**
+         * 邮件主题
+         */
+        private final String subject;
+        /**
+         * HTML 正文
+         */
+        private final String htmlContent;
+        /**
+         * 非主键字段缺失（显示「待核对」）数量
+         */
+        private final int missingFieldCount;
+    }
+
+    /**
+     * 一套语言下的全部静态文案；数据值不在两套文案间转换。
+     */
+    private static final class Labels {
+        private final String segmentTitle;
+        private final String company;
+        private final String product;
+        private final String policyNo;
+        private final String effectiveDate;
+        private final String holder;
+        private final String insured;
+        private final String premiumAndLevy;
+        private final String totalPremium;
+        private final String remark;
+        private final String dueDateLabel;
+        private final String graceEndLabel;
+        private final String openingR1Prefix;
+        private final String openingR1Suffix;
+        private final String openingR2Prefix;
+        private final String openingR2Middle;
+        private final String openingR2Suffix;
+
+        private Labels(String segmentTitle, String company, String product, String policyNo,
+                       String effectiveDate, String holder, String insured,
+                       String premiumAndLevy, String totalPremium, String remark,
+                       String dueDateLabel, String graceEndLabel,
+                       String openingR1Prefix, String openingR1Suffix,
+                       String openingR2Prefix, String openingR2Middle, String openingR2Suffix) {
+            this.segmentTitle = segmentTitle;
+            this.company = company;
+            this.product = product;
+            this.policyNo = policyNo;
+            this.effectiveDate = effectiveDate;
+            this.holder = holder;
+            this.insured = insured;
+            this.premiumAndLevy = premiumAndLevy;
+            this.totalPremium = totalPremium;
+            this.remark = remark;
+            this.dueDateLabel = dueDateLabel;
+            this.graceEndLabel = graceEndLabel;
+            this.openingR1Prefix = openingR1Prefix;
+            this.openingR1Suffix = openingR1Suffix;
+            this.openingR2Prefix = openingR2Prefix;
+            this.openingR2Middle = openingR2Middle;
+            this.openingR2Suffix = openingR2Suffix;
+        }
+
+        private static final Labels SC = new Labels(
+                "【简体】", "产品公司：", "计划名称：", "保单号码：", "保单生效日：",
+                "保单持有人：", "受保人：", "保费及征费：", "应缴总保费",
+                "备注：此金额未计入保费优惠，保费优惠待确认后通知客户。",
+                "保费到期日", "宽限期到期日",
+                "以下保单的保费将于", "到期，请在此日期前缴付应缴保费。保单资料如下：",
+                "以下保单的保费已于", "到期，宽限期将于", "届满，请尽快跟进确认缴费情况。保单资料如下：");
+
+        private static final Labels TC = new Labels(
+                "【繁體】", "產品公司：", "計劃名稱：", "保單號碼：", "保單生效日：",
+                "保單持有人：", "受保人：", "保費及征費：", "應繳總保費",
+                // 繁体段备注按需求稿原文（「备注」「客户」保留稿中用字）
+                "备注：此金額未計入保費優惠，保費優惠待確認後通知客户。",
+                "保費到期日", "寬限期到期日",
+                "以下保單的保費將於", "到期，請在此日期前繳付應繳保費。保單資料如下：",
+                "以下保單的保費已於", "到期，寬限期將於", "屆滿，請盡快跟進確認繳費情況。保單資料如下：");
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/component/renewal/RenewalPolicyReportService.java

+package com.yd.csf.service.component.renewal;
+
+import com.alibaba.excel.EasyExcel;
+import com.yd.csf.service.component.TemplateStyleStrategy;
+import com.yd.csf.service.vo.RenewalPolicyExportDTO;
+import org.apache.commons.collections4.CollectionUtils;
+import org.springframework.stereotype.Component;
+
+import java.io.ByteArrayOutputStream;
+import java.io.IOException;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.ArrayList;
+import java.util.List;
+
+/**
+ * 续期保单清单 Excel 生成（30 列，对齐 policy报表模版.xlsx）
+ */
+@Component
+public class RenewalPolicyReportService {
+
+    private static final String FILE_NAME_PATTERN = "续期保单清单_%s-%s_%s.xlsx";
+    private static final DateTimeFormatter MONTH_FMT = DateTimeFormatter.ofPattern("yyyyMM");
+    private static final DateTimeFormatter DAY_FMT = DateTimeFormatter.ofPattern("yyyyMMdd");
+
+    /**
+     * 生成清单文件字节
+     */
+    public byte[] generate(RenewalReminderData data) {
+        List<RenewalPolicyExportDTO> rows = toRows(data);
+        try (ByteArrayOutputStream out = new ByteArrayOutputStream()) {
+            EasyExcel.write(out, RenewalPolicyExportDTO.class)
+                    .useDefaultStyle(false)
+                    .registerWriteHandler(new TemplateStyleStrategy())
+                    .sheet("续期保单")
+                    .doWrite(rows);
+            return out.toByteArray();
+        } catch (IOException e) {
+            throw new RuntimeException("生成续期保单清单失败", e);
+        }
+    }
+
+    /**
+     * 文件名：续期保单清单_&lt;窗口首月&gt;-&lt;窗口末月&gt;_&lt;生成日&gt;.xlsx
+     */
+    public String buildFileName(RenewalReminderData data, LocalDate today) {
+        return String.format(FILE_NAME_PATTERN,
+                data.getWindowStart().format(MONTH_FMT),
+                data.getWindowEnd().format(MONTH_FMT),
+                today.format(DAY_FMT));
+    }
+
+    private List<RenewalPolicyExportDTO> toRows(RenewalReminderData data) {
+        List<RenewalPolicyExportDTO> rows = new ArrayList<>();
+        if (data == null || CollectionUtils.isEmpty(data.getDuePolicies())) {
+            return rows;
+        }
+        for (RenewalDuePolicy item : data.getDuePolicies()) {
+            java.util.Date dueDate = java.util.Date.from(item.getDueDate()
+                    .atStartOfDay(java.time.ZoneId.systemDefault()).toInstant());
+            rows.add(RenewalPolicyExportDTO.toRow(item.getPolicyFollow(), dueDate));
+        }
+        return rows;
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/component/renewal/RenewalPremiumUtils.java

+package com.yd.csf.service.component.renewal;
+
+import com.yd.csf.service.model.PolicyFollow;
+import org.apache.commons.lang3.StringUtils;
+
+import java.math.BigDecimal;
+
+/**
+ * 续期提醒金额口径：Excel 报表 M 列与逐单邮件「应缴总保费」的唯一来源。
+ */
+public final class RenewalPremiumUtils {
+
+    private RenewalPremiumUtils() {
+    }
+
+    /**
+     * 应缴总保费 = 期交保费 + 保单征费。
+     * 期交保费与征费均无值时返回 null（调用方展示「待核对」）；征费为空或非数字按 0 处理。
+     */
+    public static BigDecimal totalPremiumAndLevy(PolicyFollow p) {
+        BigDecimal levy = parseAmount(p.getPolicyLevy());
+        if (p.getEachIssuePremium() == null && levy == null) {
+            return null;
+        }
+        BigDecimal premium = p.getEachIssuePremium() == null ? BigDecimal.ZERO : p.getEachIssuePremium();
+        return premium.add(levy == null ? BigDecimal.ZERO : levy);
+    }
+
+    private static BigDecimal parseAmount(String value) {
+        if (StringUtils.isBlank(value)) {
+            return null;
+        }
+        try {
+            return new BigDecimal(value.trim());
+        } catch (NumberFormatException e) {
+            return null;
+        }
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/component/renewal/RenewalReminderData.java

+package com.yd.csf.service.component.renewal;
+
+import lombok.AllArgsConstructor;
+import lombok.Data;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Map;
+import java.util.stream.Stream;
+
+/**
+ * 续期提醒筛选结果：窗口信息、R1/R2 命中保单、异常跳过明细（policyFollowId -> 原因）
+ */
+@Data
+@AllArgsConstructor
+public class RenewalReminderData {
+
+    /**
+     * R1 窗口起（M+1月1号）
+     */
+    private LocalDate windowStart;
+
+    /**
+     * R1 窗口止（M+2月月末）
+     */
+    private LocalDate windowEnd;
+
+    /**
+     * R1 到期通知名单（下一保费到期日落入两月窗口）
+     */
+    private List<RenewalDuePolicy> duePolicies;
+
+    /**
+     * R2 宽限期跟进名单（当期已到期、宽限期在基准日至次月月末内届满）
+     */
+    private List<RenewalDuePolicy> dunPolicies;
+
+    /**
+     * 异常跳过明细：policyFollowId(String) -> 跳过原因（缺字段/无法解析/保单号为空等脏数据）
+     */
+    private Map<String, String> skipped;
+
+    /**
+     * 宽限天数缺失/非正、按默认值估算的保单数（R1+R2）
+     */
+    public long getGraceFallbackCount() {
+        return Stream.concat(duePolicies.stream(), dunPolicies.stream())
+                .filter(RenewalDuePolicy::isGraceFallback)
+                .count();
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/config/XxlJobConfig.java

-//package com.yd.csf.service.config;
-//
-//import com.xxl.job.core.executor.impl.XxlJobSpringExecutor;
-//import lombok.extern.slf4j.Slf4j;
-//import org.apache.commons.lang3.StringUtils;
-//import org.springframework.beans.factory.annotation.Value;
-//import org.springframework.boot.autoconfigure.condition.ConditionalOnClass;
-//import org.springframework.context.annotation.Bean;
-//import org.springframework.context.annotation.Configuration;
-//
-//@Slf4j
-//@Configuration
-//@ConditionalOnClass(XxlJobSpringExecutor.class)
-//public class XxlJobConfig {
-//
-//    @Value("${xxl.job.admin.addresses:http://139.224.145.34:8686/xxl-job-admin}")
-//    private String adminAddresses;
-//
-//    @Value("${xxl.job.executor.appname:csf-executor}")
-//    private String appname;
-//
-//    @Value("${xxl.job.executor.port:9999}")
-//    private int port;
-//
-//    @Value("${xxl.job.accessToken:default_token}")
-//    private String accessToken;
-//
-//    @Bean
-//    public XxlJobSpringExecutor xxlJobExecutor() {
-//        log.info(">>>>>>>>>>> xxl-job config init. appname: {}, port: {}, accessToken: {}",
-//                appname, port, StringUtils.isNotBlank(accessToken) ? "已配置" : "未配置");
-//
-//        XxlJobSpringExecutor xxlJobSpringExecutor = new XxlJobSpringExecutor();
-//        xxlJobSpringExecutor.setAdminAddresses(adminAddresses);
-//        xxlJobSpringExecutor.setAppname(appname);
-//        xxlJobSpringExecutor.setPort(port);
-//        // 设置accessToken
-//        xxlJobSpringExecutor.setAccessToken(accessToken);
-//        xxlJobSpringExecutor.setLogRetentionDays(30);
-//
-//        return xxlJobSpringExecutor;
-//    }
-//}
+package com.yd.csf.service.config;
+
+import com.xxl.job.core.executor.impl.XxlJobSpringExecutor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.commons.lang3.StringUtils;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.boot.autoconfigure.condition.ConditionalOnClass;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+
+/**
+ * XXL-Job 执行器配置。
+ * 配置项见 Nacos：xxl.job.admin.addresses / accessToken / executor.*
+ */
+@Slf4j
+@Configuration
+@ConditionalOnClass(XxlJobSpringExecutor.class)
+public class XxlJobConfig {
+
+    @Value("${xxl.job.admin.addresses:http://139.224.145.34:8686/xxl-job-admin}")
+    private String adminAddresses;
+
+    @Value("${xxl.job.accessToken:default_token}")
+    private String accessToken;
+
+    @Value("${xxl.job.executor.appname:csf-executor}")
+    private String appname;
+
+    /**
+     * 容器多网卡/Admin 跨网络时显式指定注册 IP，留空自动获取
+     */
+    @Value("${xxl.job.executor.ip:}")
+    private String ip;
+
+    /**
+     * 执行器内嵌 Netty 端口，默认 9999；注意与业务 HTTP 端口（9202）区分
+     */
+    @Value("${xxl.job.executor.port:9999}")
+    private int port;
+
+    @Value("${xxl.job.executor.logpath:/data/applogs/xxl-job/jobhandler}")
+    private String logPath;
+
\ No newline at end of file
+    @Value("${xxl.job.executor.logretentiondays:30}")
+    private int logRetentionDays;
+
+    @Bean(initMethod = "start", destroyMethod = "destroy")
+    public XxlJobSpringExecutor xxlJobExecutor() {
+        log.info(">>>>>>>>>>> xxl-job config init. adminAddresses={}, appname={}, ip={}, port={}",
+                adminAddresses, appname, StringUtils.defaultIfBlank(ip, "auto"), port);
+
+        XxlJobSpringExecutor executor = new XxlJobSpringExecutor();
+        executor.setAdminAddresses(adminAddresses);
+        executor.setAppname(appname);
+        executor.setIp(ip);
+        executor.setPort(port);
+        executor.setAccessToken(accessToken);
+        executor.setLogPath(logPath);
+        executor.setLogRetentionDays(logRetentionDays);
+        return executor;
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/dao/RenewalRemindBatchMapper.java

+package com.yd.csf.service.dao;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.yd.csf.service.model.RenewalRemindBatch;
+
+/**
+ * 针对表【renewal_remind_batch(保单续期提醒发送批次表)】的数据库操作 Mapper
+ */
+public interface RenewalRemindBatchMapper extends BaseMapper<RenewalRemindBatch> {
+}

yd-csf-service/src/main/java/com/yd/csf/service/dao/RenewalRemindPolicyMailMapper.java

+package com.yd.csf.service.dao;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.yd.csf.service.model.RenewalRemindPolicyMail;
+
+/**
+ * 针对表【renewal_remind_policy_mail(保单续期提醒逐单邮件发送记录表)】的数据库操作 Mapper
+ */
+public interface RenewalRemindPolicyMailMapper extends BaseMapper<RenewalRemindPolicyMail> {
+}

yd-csf-service/src/main/java/com/yd/csf/service/enums/RenewalMailTypeEnum.java

+package com.yd.csf.service.enums;
+
+/**
+ * 续期提醒逐单邮件轮次类型
+ */
+public enum RenewalMailTypeEnum {
+
+    R1("到期通知", "R1"),
+    R2("宽限期跟进", "R2"),
+    ;
+
+    //字典项标签（名称）
+    private String itemLabel;
+    //字典项值
+    private String itemValue;
+
+    RenewalMailTypeEnum(String itemLabel, String itemValue) {
+        this.itemLabel = itemLabel;
+        this.itemValue = itemValue;
+    }
+
+    public String getItemLabel() {
+        return itemLabel;
+    }
+
+    public String getItemValue() {
+        return itemValue;
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/enums/RenewalRemindStatusEnum.java

+package com.yd.csf.service.enums;
+
+/**
+ * 保单续期提醒批次发送状态
+ */
+public enum RenewalRemindStatusEnum {
+
+    SUCCESS("成功", "SUCCESS"),
+    FAIL("失败", "FAIL"),
+    EMPTY("无到期保单", "EMPTY"),
+    ;
+
+    //字典项标签（名称）
+    private String itemLabel;
+    //字典项值
+    private String itemValue;
+
+    RenewalRemindStatusEnum(String itemLabel, String itemValue) {
+        this.itemLabel = itemLabel;
+        this.itemValue = itemValue;
+    }
+
+    public String getItemLabel() {
+        return itemLabel;
+    }
+
+    public String getItemValue() {
+        return itemValue;
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/model/RenewalRemindBatch.java

+package com.yd.csf.service.model;
+
+import com.baomidou.mybatisplus.annotation.FieldStrategy;
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableField;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.io.Serializable;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * 保单续期提醒发送批次表
+ *
+ * @TableName renewal_remind_batch
+ */
+@TableName(value = "renewal_remind_batch")
+@Data
+public class RenewalRemindBatch implements Serializable {
+
+    /**
+     * 主键
+     */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /**
+     * 批次业务唯一ID
+     */
+    private String batchBizId;
+
+    /**
+     * 执行月（yyyy-MM）
+     */
+    private String bizMonth;
+
+    /**
+     * 本次提醒窗口起（M+1月1号）
+     */
+    private LocalDate windowStart;
+
+    /**
+     * 本次提醒窗口止（M+2月月末）
+     */
+    private LocalDate windowEnd;
+
+    /**
+     * R1到期通知保单条数
+     */
+    private Integer policyCount;
+
+    /**
+     * R2宽限期跟进发送封数
+     */
+    private Integer dunCount;
+
+    /**
+     * 逐单邮件发送失败数
+     */
+    private Integer mailFailCount;
+
+    /**
+     * 因数据异常跳过的保单条数
+     */
+    private Integer skippedCount;
+
+    /**
+     * 实际收件人邮箱（逗号分隔快照）；状态切换时允许置空
+     */
+    @TableField(updateStrategy = FieldStrategy.IGNORED)
+    private String recipients;
+
+    /**
+     * 附件文件名；状态切换时允许置空
+     */
+    @TableField(updateStrategy = FieldStrategy.IGNORED)
+    private String fileName;
+
+    /**
+     * 发送状态：SUCCESS-成功 FAIL-失败 EMPTY-无到期保单
+     */
+    private String status;
+
+    /**
+     * 失败原因摘要；重跑成功后允许置空
+     */
+    @TableField(updateStrategy = FieldStrategy.IGNORED)
+    private String errorMsg;
+
+    /**
+     * 发送时间；FAIL 时允许置空
+     */
+    @TableField(updateStrategy = FieldStrategy.IGNORED)
+    private LocalDateTime sendTime;
+
+    /**
+     * 创建时间
+     */
+    private LocalDateTime createTime;
+
+    /**
+     * 更新时间
+     */
+    private LocalDateTime updateTime;
+
+    @TableField(exist = false)
+    private static final long serialVersionUID = 1L;
+}

yd-csf-service/src/main/java/com/yd/csf/service/model/RenewalRemindPolicyMail.java

+package com.yd.csf.service.model;
+
+import com.baomidou.mybatisplus.annotation.FieldStrategy;
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableField;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.io.Serializable;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * 保单续期提醒逐单邮件发送记录表
+ *
+ * @TableName renewal_remind_policy_mail
+ */
+@TableName(value = "renewal_remind_policy_mail")
+@Data
+public class RenewalRemindPolicyMail implements Serializable {
+
+    /**
+     * 主键
+     */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /**
+     * 邮件业务唯一ID（RM+随机串）
+     */
+    private String mailBizId;
+
+    /**
+     * 执行月（yyyy-MM）
+     */
+    private String bizMonth;
+
+    /**
+     * policy_follow 主键ID
+     */
+    private Long policyFollowId;
+
+    /**
+     * 保单号（冗余留痕）
+     */
+    private String policyNo;
+
+    /**
+     * 轮次类型：R1-到期通知 R2-宽限期跟进
+     */
+    private String mailType;
+
+    /**
+     * 保费到期日（R2为当期缴费日）
+     */
+    private LocalDate dueDate;
+
+    /**
+     * 宽限期到期日
+     */
+    private LocalDate graceEnd;
+
+    /**
+     * 主送人邮箱快照
+     */
+    private String toRecipients;
+
+    /**
+     * 抄送人邮箱快照（逗号分隔，无抄送为空）
+     */
+    private String ccRecipients;
+
+    /**
+     * 发送状态：SUCCESS-成功 FAIL-失败
+     */
+    private String status;
+
+    /**
+     * 失败原因摘要；重发成功后允许置空
+     */
+    @TableField(updateStrategy = FieldStrategy.IGNORED)
+    private String errorMsg;
+
+    /**
+     * 发送时间；FAIL 时允许置空
+     */
+    @TableField(updateStrategy = FieldStrategy.IGNORED)
+    private LocalDateTime sendTime;
+
+    /**
+     * 创建时间
+     */
+    private LocalDateTime createTime;
+
+    /**
+     * 更新时间
+     */
+    private LocalDateTime updateTime;
+
+    @TableField(exist = false)
+    private static final long serialVersionUID = 1L;
+}

yd-csf-service/src/main/java/com/yd/csf/service/service/IRenewalRemindBatchService.java

+package com.yd.csf.service.service;
+
+import com.baomidou.mybatisplus.extension.service.IService;
+import com.yd.csf.service.model.RenewalRemindBatch;
+
+/**
+ * 保单续期提醒发送批次 服务类
+ */
+public interface IRenewalRemindBatchService extends IService<RenewalRemindBatch> {
+
+    /**
+     * 按执行月查询批次
+     *
+     * @param bizMonth 执行月 yyyy-MM
+     * @return 批次记录，不存在返回 null
+     */
+    RenewalRemindBatch queryByBizMonth(String bizMonth);
+}

yd-csf-service/src/main/java/com/yd/csf/service/service/IRenewalRemindPolicyMailService.java

+package com.yd.csf.service.service;
+
+import com.baomidou.mybatisplus.extension.service.IService;
+import com.yd.csf.service.model.RenewalRemindPolicyMail;
+
+import java.util.List;
+
+/**
+ * 保单续期提醒逐单邮件发送记录 服务类
+ */
+public interface IRenewalRemindPolicyMailService extends IService<RenewalRemindPolicyMail> {
+
+    /**
+     * 查询某执行月全部逐单邮件留痕（R1+R2），用于重跑时构建已成功集合
+     *
+     * @param bizMonth 执行月 yyyy-MM
+     */
+    List<RenewalRemindPolicyMail> listByBizMonth(String bizMonth);
+
+    /**
+     * 按唯一键 (biz_month, policy_follow_id, mail_type) upsert：
+     * 无记录插入，有记录更新同一行（FAIL→SUCCESS 复用原行）。
+     */
+    void saveOrUpdateByUk(RenewalRemindPolicyMail record);
+}

yd-csf-service/src/main/java/com/yd/csf/service/service/RenewalReminderQueryService.java

+package com.yd.csf.service.service;
+
+import com.yd.csf.service.component.renewal.RenewalReminderData;
+
+import java.time.LocalDate;
+import java.time.YearMonth;
+
+/**
+ * 续期保单筛选：查询生效保单，同一次构建产出两轮名单。
+ * R1 到期通知窗口 = [执行月+1 月 1 号, 执行月+2 月月末]；
+ * R2 宽限期跟进窗口 = [基准日（执行月 1 号）, 执行月次月月末]。
+ */
+public interface RenewalReminderQueryService {
+
+    /**
+     * 构建指定执行月的续期提醒数据（R1 + R2）。
+     *
+     * @param execMonth 执行月
+     * @param baseDate  基准日（定时跑与补发均固定传执行月 1 号，保证结果可复现）
+     */
+    RenewalReminderData build(YearMonth execMonth, LocalDate baseDate);
+}

yd-csf-service/src/main/java/com/yd/csf/service/service/impl/RenewalRemindBatchServiceImpl.java

+package com.yd.csf.service.service.impl;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
+import com.yd.csf.service.dao.RenewalRemindBatchMapper;
+import com.yd.csf.service.model.RenewalRemindBatch;
+import com.yd.csf.service.service.IRenewalRemindBatchService;
+import org.springframework.stereotype.Service;
+
+/**
+ * 保单续期提醒发送批次 服务实现类
+ */
+@Service
+public class RenewalRemindBatchServiceImpl
+        extends ServiceImpl<RenewalRemindBatchMapper, RenewalRemindBatch>
+        implements IRenewalRemindBatchService {
+
+    @Override
+    public RenewalRemindBatch queryByBizMonth(String bizMonth) {
+        return this.baseMapper.selectOne(new LambdaQueryWrapper<RenewalRemindBatch>()
+                .eq(RenewalRemindBatch::getBizMonth, bizMonth)
+                .last(" limit 1 "));
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/service/impl/RenewalRemindPolicyMailServiceImpl.java

+package com.yd.csf.service.service.impl;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
+import com.yd.common.utils.RandomStringGenerator;
+import com.yd.csf.service.dao.RenewalRemindPolicyMailMapper;
+import com.yd.csf.service.model.RenewalRemindPolicyMail;
+import com.yd.csf.service.service.IRenewalRemindPolicyMailService;
+import org.springframework.stereotype.Service;
+
+import java.time.LocalDateTime;
+import java.util.List;
+
+/**
+ * 保单续期提醒逐单邮件发送记录 服务实现类
+ */
+@Service
+public class RenewalRemindPolicyMailServiceImpl
+        extends ServiceImpl<RenewalRemindPolicyMailMapper, RenewalRemindPolicyMail>
+        implements IRenewalRemindPolicyMailService {
+
+    private static final String MAIL_BIZ_ID_PREFIX = "RM";
+
+    @Override
+    public List<RenewalRemindPolicyMail> listByBizMonth(String bizMonth) {
+        return this.baseMapper.selectList(new LambdaQueryWrapper<RenewalRemindPolicyMail>()
+                .eq(RenewalRemindPolicyMail::getBizMonth, bizMonth));
+    }
+
+    @Override
+    public void saveOrUpdateByUk(RenewalRemindPolicyMail record) {
+        RenewalRemindPolicyMail exist = this.baseMapper.selectOne(
+                new LambdaQueryWrapper<RenewalRemindPolicyMail>()
+                        .eq(RenewalRemindPolicyMail::getBizMonth, record.getBizMonth())
+                        .eq(RenewalRemindPolicyMail::getPolicyFollowId, record.getPolicyFollowId())
+                        .eq(RenewalRemindPolicyMail::getMailType, record.getMailType())
+                        .last(" limit 1 "));
+        LocalDateTime now = LocalDateTime.now();
+        if (exist == null) {
+            record.setMailBizId(RandomStringGenerator.generateBizId16(MAIL_BIZ_ID_PREFIX));
+            record.setCreateTime(now);
+            record.setUpdateTime(now);
+            this.baseMapper.insert(record);
+        } else {
+            record.setId(exist.getId());
+            record.setMailBizId(exist.getMailBizId());
+            record.setCreateTime(exist.getCreateTime());
+            record.setUpdateTime(now);
+            this.baseMapper.updateById(record);
+        }
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/service/impl/RenewalReminderQueryServiceImpl.java

+package com.yd.csf.service.service.impl;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.yd.csf.service.dao.PolicyFollowMapper;
+import com.yd.csf.service.component.renewal.RenewalDuePolicy;
+import com.yd.csf.service.component.renewal.RenewalReminderData;
+import com.yd.csf.service.enums.PolicyFollowStatusEnum;
+import com.yd.csf.service.model.PolicyFollow;
+import com.yd.csf.service.service.RenewalReminderQueryService;
+import com.yd.csf.service.component.renewal.RenewalDueDateCalculator;
+import com.yd.csf.service.utils.SimpleDateUtils;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.commons.collections4.CollectionUtils;
+import org.apache.commons.lang3.StringUtils;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.stereotype.Service;
+
+import javax.annotation.Resource;
+import java.time.LocalDate;
+import java.time.YearMonth;
+import java.util.ArrayList;
+import java.util.Comparator;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 续期保单筛选实现：同一次 build 产出 R1 到期通知与 R2 宽限期跟进两轮名单。
+ */
+@Service
+@Slf4j
+public class RenewalReminderQueryServiceImpl implements RenewalReminderQueryService {
+
+    /**
+     * 保单 grace_period 为空/非正时的兜底宽限天数
+     */
+    @Value("${renewal.reminder.default-grace-days:31}")
+    private Integer configuredDefaultGraceDays;
+
+    @Resource
+    private PolicyFollowMapper policyFollowMapper;
+
+    @Override
+    public RenewalReminderData build(YearMonth execMonth, LocalDate baseDate) {
+        LocalDate windowStart = execMonth.plusMonths(1).atDay(1);
+        LocalDate windowEnd = execMonth.plusMonths(2).atEndOfMonth();
+        // R2 宽限期窗口：[基准日（执行月1号，含）, 执行月次月月末（含）]
+        LocalDate dunWindowEnd = execMonth.plusMonths(1).atEndOfMonth();
+        int defaultGraceDays = resolveDefaultGraceDays();
+
+        List<PolicyFollow> effectivePolicies = queryEffectivePolicies();
+
+        List<RenewalDuePolicy> duePolicies = new ArrayList<>();
+        List<RenewalDuePolicy> dunPolicies = new ArrayList<>();
+        Map<String, String> skipped = new LinkedHashMap<>();
+
+        if (CollectionUtils.isNotEmpty(effectivePolicies)) {
+            for (PolicyFollow policy : effectivePolicies) {
+                // 保单号是主题与留痕标识，为空无法发信：跳过计异常，批次照常，数据修复后重跑可补
+                if (StringUtils.isBlank(policy.getPolicyNo())) {
+                    markSkipped(skipped, policy, "保单号为空");
+                    continue;
+                }
+                LocalDate effectiveDate = SimpleDateUtils.toLocalDate(policy.getEffectiveDate());
+
+                // R2 先判定（宽限紧迫，发送顺序也在先）
+                boolean r2Hit = false;
+                RenewalDueDateCalculator.Result currentResult = RenewalDueDateCalculator.currentDueDate(
+                        effectiveDate, policy.getPaymentFrequency(), policy.getIssueNumber(), baseDate);
+                if (!currentResult.isIncluded()) {
+                    // R2 计算异常不影响 R1（入参相同，正常情况下异常原因一致）
+                    markSkippedIfAbnormal(skipped, policy, currentResult);
+                } else {
+                    LocalDate currentDueDate = currentResult.getDueDate();
+                    // 首期未付新单（k=0，当期缴费日=生效日）不属续期宽限跟进
+                    // 预缴保单一律不催 R2（宁可不催，不可误催）；两者均不影响 R1
+                    if (!currentDueDate.equals(effectiveDate)
+                            && !Integer.valueOf(1).equals(policy.getIsPrepay())) {
+                        Grace grace = resolveGrace(policy, currentDueDate, defaultGraceDays);
+                        if (!grace.graceEnd.isBefore(baseDate) && !grace.graceEnd.isAfter(dunWindowEnd)) {
+                            dunPolicies.add(new RenewalDuePolicy(
+                                    policy, currentDueDate, grace.graceEnd, grace.fallback, grace.graceDays));
+                            r2Hit = true;
+                        }
+                    }
+                }
+
+                // R2 已命中则不再发 R1：月缴且缴费日恰为 1 号时，当期宽限届满日恰等于下一缴费日，
+                // 同一保单会同时落入两轮，按「只催 R2」剔除 R1
+                if (r2Hit) {
+                    continue;
+                }
+
+                // R1：下一保费到期日落入 [M+1月1号, M+2月月末]
+                RenewalDueDateCalculator.Result nextResult = RenewalDueDateCalculator.calculate(
+                        effectiveDate, policy.getPaymentFrequency(), policy.getIssueNumber(), baseDate);
+                if (!nextResult.isIncluded()) {
+                    markSkippedIfAbnormal(skipped, policy, nextResult);
+                } else {
+                    LocalDate nextDueDate = nextResult.getDueDate();
+                    if (!nextDueDate.isBefore(windowStart) && !nextDueDate.isAfter(windowEnd)) {
+                        Grace grace = resolveGrace(policy, nextDueDate, defaultGraceDays);
+                        duePolicies.add(new RenewalDuePolicy(
+                                policy, nextDueDate, grace.graceEnd, grace.fallback, grace.graceDays));
+                    }
+                }
+            }
+        }
+
+        // R1 按保费到期日升序、R2 按宽限期到期日升序，同日按保单号
+        Comparator<RenewalDuePolicy> policyNoOrder = Comparator
+                .comparing(p -> p.getPolicyFollow().getPolicyNo(), Comparator.nullsLast(String::compareTo));
+        duePolicies.sort(Comparator.comparing(RenewalDuePolicy::getDueDate).thenComparing(policyNoOrder));
+        dunPolicies.sort(Comparator.comparing(RenewalDuePolicy::getGraceEnd).thenComparing(policyNoOrder));
+
+        long graceFallbackCount = duePolicies.stream().filter(RenewalDuePolicy::isGraceFallback).count()
+                + dunPolicies.stream().filter(RenewalDuePolicy::isGraceFallback).count();
+        log.info("续期提醒筛选完成，R1窗口=[{} ~ {}]，生效保单={}，R1命中={}，R2命中={}，宽限兜底={}，异常跳过={}",
+                windowStart, windowEnd,
+                effectivePolicies == null ? 0 : effectivePolicies.size(),
+                duePolicies.size(), dunPolicies.size(), graceFallbackCount, skipped.size());
+        return new RenewalReminderData(windowStart, windowEnd, duePolicies, dunPolicies, skipped);
+    }
+
+    private void markSkippedIfAbnormal(Map<String, String> skipped, PolicyFollow policy,
+                                       RenewalDueDateCalculator.Result result) {
+        if (result.isAbnormal()) {
+            markSkipped(skipped, policy, result.getSkipReason());
+        }
+    }
+
+    /**
+     * skipped 以 policyFollowId 为键：保单号本身可能为空（空保单号脏数据也要可统计）。
+     */
+    private void markSkipped(Map<String, String> skipped, PolicyFollow policy, String reason) {
+        String key = String.valueOf(policy.getId());
+        if (skipped.putIfAbsent(key, reason) == null) {
+            log.warn("续期提醒跳过异常保单，policyFollowId={}, policyNo={}, 原因={}",
+                    policy.getId(), policy.getPolicyNo(), reason);
+        }
+    }
+
+    /**
+     * 解析宽限期到期日；grace_period 为空/非正时按默认天数估算并标记兜底。
+     */
+    private Grace resolveGrace(PolicyFollow policy, LocalDate dueDate, int defaultGraceDays) {
+        Integer gracePeriod = policy.getGracePeriod();
+        boolean fallback = gracePeriod == null || gracePeriod <= 0;
+        int graceDays = fallback ? defaultGraceDays : gracePeriod;
+        LocalDate graceEnd = RenewalDueDateCalculator.graceEndDate(dueDate, graceDays);
+        if (fallback) {
+            log.info("保单宽限期为空或非正，按默认 {} 天估算，policyNo={}, gracePeriod={}",
+                    defaultGraceDays, policy.getPolicyNo(), gracePeriod);
+        }
+        return new Grace(graceEnd, fallback, graceDays);
+    }
+
+    private int resolveDefaultGraceDays() {
+        if (configuredDefaultGraceDays == null || configuredDefaultGraceDays <= 0) {
+            log.warn("配置 renewal.reminder.default-grace-days={} 非法，回退 31", configuredDefaultGraceDays);
+            return 31;
+        }
+        return configuredDefaultGraceDays;
+    }
+
+    /**
+     * 查询全部生效且未删除的保单，只取报表与计算所需字段
+     */
+    private List<PolicyFollow> queryEffectivePolicies() {
+        return policyFollowMapper.selectList(new LambdaQueryWrapper<PolicyFollow>()
+                .select(PolicyFollow::getId,
+                        PolicyFollow::getPolicyNo,
+                        PolicyFollow::getProductName,
+                        PolicyFollow::getPolicyHolder,
+                        PolicyFollow::getPolicyHolderEn,
+                        PolicyFollow::getInsured,
+                        PolicyFollow::getStatus,
+                        PolicyFollow::getEachIssuePremium,
+                        PolicyFollow::getPolicyCurrency,
+                        PolicyFollow::getPolicyLevy,
+                        PolicyFollow::getEffectiveDate,
+                        PolicyFollow::getSignDate,
+                        PolicyFollow::getIssueDate,
+                        PolicyFollow::getCoolingOffEndDate,
+                        PolicyFollow::getIssueNumber,
+                        PolicyFollow::getPaymentFrequency,
+                        PolicyFollow::getIsPrepay,
+                        PolicyFollow::getPrepaidTerm,
+                        PolicyFollow::getGracePeriod,
+                        PolicyFollow::getProductCate,
+                        PolicyFollow::getInsuranceCompany,
+                        PolicyFollow::getReconciliationCompany,
+                        PolicyFollow::getFirstBroker,
+                        PolicyFollow::getSigner,
+                        PolicyFollow::getPracticeCode,
+                        PolicyFollow::getAppointmentNo,
+                        PolicyFollow::getSignLocation)
+                .eq(PolicyFollow::getStatus, PolicyFollowStatusEnum.EFFECTIVE.getItemValue())
+                .eq(PolicyFollow::getIsDeleted, 0));
+    }
+
+    /**
+     * 宽限期解析中间结果
+     */
+    private static class Grace {
+        private final LocalDate graceEnd;
+        private final boolean fallback;
+        private final int graceDays;
+
+        Grace(LocalDate graceEnd, boolean fallback, int graceDays) {
+            this.graceEnd = graceEnd;
+            this.fallback = fallback;
+            this.graceDays = graceDays;
+        }
+    }
+}

yd-csf-service/src/main/java/com/yd/csf/service/utils/SimpleDateUtils.java

+package com.yd.csf.service.utils;
+
+import java.time.LocalDate;
+import java.time.ZoneId;
+import java.util.Date;
+
+public class SimpleDateUtils {
+    private static final ZoneId ZONE = ZoneId.systemDefault();
+
+    public static LocalDate toLocalDate(Date date) {
+        return date != null ? date.toInstant().atZone(ZONE).toLocalDate() : null;
+    }
+}
\ No newline at end of file

yd-csf-service/src/main/java/com/yd/csf/service/vo/RenewalPolicyExportDTO.java

+package com.yd.csf.service.vo;
+
+import com.alibaba.excel.annotation.ExcelProperty;
+import com.alibaba.excel.annotation.format.DateTimeFormat;
+import com.yd.csf.service.component.renewal.RenewalPremiumUtils;
+import com.yd.csf.service.model.PolicyFollow;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.util.Date;
+import java.util.Objects;
+
+/**
+ * 保单清单导出 DTO（续期跑批与新单跟进导出共用），列顺序与表头严格对齐 policy报表模版.xlsx（30 列）。
+ * 字体/边框/对齐/列宽/冻结统一由 {@link com.yd.csf.service.component.TemplateStyleStrategy} 复刻模板。
+ */
+@Data
+public class RenewalPolicyExportDTO {
+
+    @ExcelProperty("id")
+    private Long id;
+
+    @ExcelProperty("保单号")
+    private String policyNo;
+
+    @ExcelProperty("产品名称")
+    private String productName;
+
+    @ExcelProperty("PI")
+    private String pi;
+
+    @ExcelProperty("保单持有人（中文）")
+    private String policyHolder;
+
+    @ExcelProperty("保单持有人（英文）")
+    private String policyHolderEn;
+
+    @ExcelProperty("受保人（中文）")
+    private String insured;
+
+    @ExcelProperty("受保人（英文）")
+    private String insuredEn;
+
+    @ExcelProperty("状态")
+    private String status;
+
+    @ExcelProperty("每期保费")
+    private BigDecimal eachIssuePremium;
+
+    @ExcelProperty("保单币种")
+    private String policyCurrency;
+
+    @ExcelProperty("征费")
+    private String policyLevy;
+
+    @ExcelProperty("总保费及征费")
+    private String totalPremiumAndLevy;
+
+    @ExcelProperty("生效日")
+    @DateTimeFormat("yyyy/MM/dd")
+    private Date effectiveDate;
+
+    @ExcelProperty("签单日")
+    @DateTimeFormat("yyyy/MM/dd")
+    private Date signDate;
+
+    @ExcelProperty("缮发日期")
+    @DateTimeFormat("yyyy/MM/dd")
+    private Date issueDate;
+
+    @ExcelProperty("冷静期结束日期")
+    @DateTimeFormat("yyyy/MM/dd")
+    private Date coolingOffEndDate;
+
+    @ExcelProperty("保费到期日")
+    @DateTimeFormat("yyyy/MM/dd")
+    private Date dueDate;
+
+    @ExcelProperty("缴费年期")
+    private String issueNumber;
+
+    @ExcelProperty("缴费频率")
+    private String paymentFrequency;
+
+    @ExcelProperty("是否预缴")
+    private Integer isPrepay;
+
+    @ExcelProperty("预缴年期")
+    private Integer prepaidTerm;
+
+    @ExcelProperty("产品险种")
+    private String productCate;
+
+    @ExcelProperty("保险公司")
+    private String insuranceCompany;
+
+    @ExcelProperty("出单经纪公司")
+    private String reconciliationCompany;
+
+    @ExcelProperty("转介人")
+    private String firstBroker;
+
+    @ExcelProperty("签单员")
+    private String signer;
+
+    @ExcelProperty("签单员牌照号码")
+    private String practiceCode;
+
+    @ExcelProperty("预约编号")
+    private String appointmentNo;
+
+    @ExcelProperty("签单地点")
+    private String signLocation;
+
+    /**
+     * 按 PolicyFollow 字段搬运生成一行；PI/受保人英文无数据源留空，状态保留字典码。
+     *
+     * @param p       保单记录
+     * @param dueDate 保费到期日（R 列），无下一期缴费日时传 null
+     */
+    public static RenewalPolicyExportDTO toRow(PolicyFollow p, Date dueDate) {
+        RenewalPolicyExportDTO row = new RenewalPolicyExportDTO();
+        row.setId(p.getId());
+        row.setPolicyNo(p.getPolicyNo());
+        row.setProductName(p.getProductName());
+        row.setPolicyHolder(p.getPolicyHolder());
+        row.setPolicyHolderEn(p.getPolicyHolderEn());
+        row.setInsured(p.getInsured());
+        row.setStatus(p.getStatus());
+        row.setEachIssuePremium(p.getEachIssuePremium());
+        row.setPolicyCurrency(p.getPolicyCurrency());
+        row.setPolicyLevy(p.getPolicyLevy());
+        row.setTotalPremiumAndLevy(buildTotalPremiumAndLevy(p));
+        row.setEffectiveDate(p.getEffectiveDate());
+        row.setSignDate(p.getSignDate());
+        row.setIssueDate(p.getIssueDate());
+        row.setCoolingOffEndDate(p.getCoolingOffEndDate());
+        row.setDueDate(dueDate);
+        row.setIssueNumber(Objects.toString(p.getIssueNumber(), null));
+        row.setPaymentFrequency(p.getPaymentFrequency());
+        row.setIsPrepay(p.getIsPrepay());
+        row.setPrepaidTerm(p.getPrepaidTerm());
+        row.setProductCate(p.getProductCate());
+        row.setInsuranceCompany(p.getInsuranceCompany());
+        row.setReconciliationCompany(p.getReconciliationCompany());
+        row.setFirstBroker(p.getFirstBroker());
+        row.setSigner(p.getSigner());
+        row.setPracticeCode(p.getPracticeCode());
+        row.setAppointmentNo(p.getAppointmentNo());
+        row.setSignLocation(p.getSignLocation());
+        return row;
+    }
+
+    /**
+     * 总保费及征费 = 期交保费 + 保单征费；两者均无值时留空，征费为空或非数字按 0 处理。
+     * 口径与逐单邮件共用 {@link RenewalPremiumUtils}。
+     */
+    private static String buildTotalPremiumAndLevy(PolicyFollow p) {
+        BigDecimal total = RenewalPremiumUtils.totalPremiumAndLevy(p);
+        return total == null ? null : total.toPlainString();
+    }
+}

yd-csf-service/src/main/resources/mappers/RenewalRemindBatchMapper.xml

+<?xml version="1.0" encoding="UTF-8"?>
+<!DOCTYPE mapper
+        PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
+        "http://mybatis.org/dtd/mybatis-3-mapper.dtd">
+<mapper namespace="com.yd.csf.service.dao.RenewalRemindBatchMapper">
+
+    <resultMap id="BaseResultMap" type="com.yd.csf.service.model.RenewalRemindBatch">
+        <id property="id" column="id"/>
+        <result property="batchBizId" column="batch_biz_id"/>
+        <result property="bizMonth" column="biz_month"/>
+        <result property="windowStart" column="window_start"/>
+        <result property="windowEnd" column="window_end"/>
+        <result property="policyCount" column="policy_count"/>
+        <result property="dunCount" column="dun_count"/>
+        <result property="mailFailCount" column="mail_fail_count"/>
+        <result property="skippedCount" column="skipped_count"/>
+        <result property="recipients" column="recipients"/>
+        <result property="fileName" column="file_name"/>
+        <result property="status" column="status"/>
+        <result property="errorMsg" column="error_msg"/>
+        <result property="sendTime" column="send_time"/>
+        <result property="createTime" column="create_time"/>
+        <result property="updateTime" column="update_time"/>
+    </resultMap>
+
+    <sql id="Base_Column_List">
+        id
+        ,batch_biz_id,biz_month,window_start,window_end,policy_count,
+        dun_count,mail_fail_count,skipped_count,recipients,file_name,
+        status,error_msg,send_time,create_time,update_time
+    </sql>
+</mapper>

yd-csf-service/src/main/resources/mappers/RenewalRemindPolicyMailMapper.xml

+<?xml version="1.0" encoding="UTF-8"?>
+<!DOCTYPE mapper
+        PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
+        "http://mybatis.org/dtd/mybatis-3-mapper.dtd">
+<mapper namespace="com.yd.csf.service.dao.RenewalRemindPolicyMailMapper">
+
+    <resultMap id="BaseResultMap" type="com.yd.csf.service.model.RenewalRemindPolicyMail">
+        <id property="id" column="id"/>
+        <result property="mailBizId" column="mail_biz_id"/>
+        <result property="bizMonth" column="biz_month"/>
+        <result property="policyFollowId" column="policy_follow_id"/>
+        <result property="policyNo" column="policy_no"/>
+        <result property="mailType" column="mail_type"/>
+        <result property="dueDate" column="due_date"/>
+        <result property="graceEnd" column="grace_end"/>
+        <result property="toRecipients" column="to_recipients"/>
+        <result property="ccRecipients" column="cc_recipients"/>
+        <result property="status" column="status"/>
+        <result property="errorMsg" column="error_msg"/>
+        <result property="sendTime" column="send_time"/>
+        <result property="createTime" column="create_time"/>
+        <result property="updateTime" column="update_time"/>
+    </resultMap>
+
+    <sql id="Base_Column_List">
+        id
+        ,mail_biz_id,biz_month,policy_follow_id,policy_no,mail_type,
+        due_date,grace_end,to_recipients,cc_recipients,status,
+        error_msg,send_time,create_time,update_time
+    </sql>
+</mapper>