保费币种对实际结算币种的汇率

e5d3aee9 · jianan · 4272417f · e5d3aee9 · e5d3aee9 · e5d3aee9
Commit e5d3aee9 authored Jan 30, 2026 by jianan
3 changed files
--- a/yd-csf-service/src/main/java/com/yd/csf/service/dto/CommissionAddRequest.java
+++ b/yd-csf-service/src/main/java/com/yd/csf/service/dto/CommissionAddRequest.java
@@ -75,7 +75,7 @@ public class CommissionAddRequest implements Serializable {
    private String currency;
    /**
-     * 结算汇率
+     * 页面输入的结算汇率：保费币种对实际结算币种的汇率
     */
    @Schema(description = "结算汇率", requiredMode = Schema.RequiredMode.REQUIRED)
    private BigDecimal exchangeRate;

--- a/yd-csf-service/src/main/java/com/yd/csf/service/model/CommissionExpected.java
+++ b/yd-csf-service/src/main/java/com/yd/csf/service/model/CommissionExpected.java
@@ -131,7 +131,7 @@ public class CommissionExpected implements Serializable {
    private String statusDesc;
    /**
-     * 默认结算汇率
+     * 保单币种对结算币种的汇率
     */
    private BigDecimal defaultExchangeRate;

--- a/yd-csf-service/src/main/java/com/yd/csf/service/service/impl/CommissionExpectedServiceImpl.java
+++ b/yd-csf-service/src/main/java/com/yd/csf/service/service/impl/CommissionExpectedServiceImpl.java
@@ -6,6 +6,7 @@ import com.baomidou.mybatisplus.core.conditions.query.QueryWrapper;
 import com.baomidou.mybatisplus.core.metadata.IPage;
 import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
 import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
+import com.yd.base.feign.client.exchangerate.ApiExchangeRateFeignClient;
 import com.yd.common.constant.CommonConstant;
 import com.yd.common.constant.RedisConstants;
 import com.yd.common.enums.ResultCode;
@@ -42,6 +43,7 @@ import org.springframework.transaction.annotation.Transactional;
 import javax.annotation.Resource;
 import java.math.BigDecimal;
 import java.math.RoundingMode;
+import java.time.LocalDate;
 import java.util.*;
 import java.util.function.Function;
 import java.util.stream.Collectors;
@@ -72,6 +74,8 @@ public class CommissionExpectedServiceImpl extends ServiceImpl<CommissionExpecte
    private ApiAnnouncementCommissionRatioFeignClient apiAnnouncementCommissionRatioFeignClient;
    @Resource
    private RedisUtil redisUtil;
+    @Resource
+    private ApiExchangeRateFeignClient apiExchangeRateFeignClient;
    @Override
@@ -531,13 +535,14 @@ public class CommissionExpectedServiceImpl extends ServiceImpl<CommissionExpecte
                    commissionExpected.setCommissionDate(calculateCommissionDate(item.getEndPeriod(), effectiveDate));
                    commissionExpected.setStatus(CommissionExpectedStatusEnum.PENDING.getItemValue());
                    commissionExpected.setStatusDesc(null);
-                    commissionExpected.setDefaultExchangeRate(queryDefaultExchangeRate(item.getCurrency()));
+                    commissionExpected.setDefaultExchangeRate(queryExchangeRateByFeign(policy.getCurrency(), item.getCurrency()));
                    commissionExpected.setExpectedAmount(calculateExpectedAmount(
                            paymentPremium,
                            item.getCommissionRate(),
                            "R",
                            null,
                            item.getCurrency(),
+                            policy.getCurrency(),
                            commissionExpected.getDefaultExchangeRate()));
                    commissionExpected.setPaidAmount(BigDecimal.ZERO);
                    commissionExpected.setPaidRatio(BigDecimal.ZERO);
@@ -579,17 +584,31 @@ public class CommissionExpectedServiceImpl extends ServiceImpl<CommissionExpecte
        return false;
    }
+    /**
+     * 计算预计来佣港币金额
+     * @param premium 保费
+     * @param commissionRatio 佣金比例
+     * @param commissionBizType 佣金业务类型
+     * @param amount 金额
+     * @param currency 预计来佣的结算币种=产品绑定的来佣结算币种
+     * @param policyCurrency 保单币种
+     * @param defaultExchangeRate 默认结算汇率
+     * @return 预计来佣金额
+     */
    private BigDecimal calculateExpectedAmount(BigDecimal premium, BigDecimal commissionRatio, String commissionBizType,
-                                                BigDecimal amount, String currency, BigDecimal defaultExchangeRate) {
+                                                BigDecimal amount, String currency, String policyCurrency, BigDecimal defaultExchangeRate) {
        if ("R".equals(commissionBizType)) {
            // 关联保单应收单：保费 × 佣金比例 × 默认结算汇率 ÷ 100
            BigDecimal exchangeRate = defaultExchangeRate;
+            BigDecimal exchangeRateHkd = queryDefaultExchangeRate(currency);
            if (exchangeRate == null) {
-                exchangeRate = queryDefaultExchangeRate(currency);
+                // 这里获取保单币种对预计来佣的结算币种的默认汇率
+                exchangeRate = queryExchangeRateByFeign(policyCurrency, currency);
            }
            return premium
                    .multiply(commissionRatio)
                    .multiply(exchangeRate)
+                    .multiply(exchangeRateHkd)
                    .divide(BigDecimal.valueOf(100), 4, RoundingMode.HALF_UP);
        } else {
            // 非关联保单应收单：金额 × 默认结算汇率
@@ -602,6 +621,21 @@ public class CommissionExpectedServiceImpl extends ServiceImpl<CommissionExpecte
    }
    /**
+     * 保单币种对预计来佣的结算币种的默认汇率
+     * @param policyCurrency 保单币种
+     * @param currency 预计来佣的结算币种
+     * @return 汇率
+     */
+    private BigDecimal queryExchangeRateByFeign(String policyCurrency, String currency) {
+        // 调用Feign客户端查询汇率
+        Result<BigDecimal> result = apiExchangeRateFeignClient.getExchangeRate(policyCurrency, currency, "");
+        if (result != null && result.getData() != null) {
+            return result.getData();
+        }
+        return null;
+    }
+    /**
     * 根据保单生效日期和佣金期数计算预计来佣日期，首期为保单生效日次月，后续期数为首期的次年
     * @param endPeriod 佣金期数
     * @param effectiveDate 保单生效日期