feat(core): RegulatoryLimit VO 세트 + Mapper + Enum 3종 (도메인 P1-1-b)

V26 규제 한도 마스터와 ga-core 동기화. 검증 로직은 P1-1-c.

신규 패키지: com.ga.core.vo.regulatory

Enum 3종:
- LimitType {TOTAL_RATIO, FIRST_YEAR_RATIO, INSTALLMENT_YEARS}
- LimitUnit {PERCENT, YEAR}
- ProductCategory {ALL, LIFE, ANNUITY, SAVINGS, EXCLUDED_AUTO, EXCLUDED_HEALTH}

RegulatoryLimit VO 세트:
- RegulatoryLimitVO (BaseVO 상속)
- RegulatoryLimitResp (코드명 표시)
- RegulatoryLimitSaveReq (@Valid: limitType/unit @NotBlank, limitValue @Positive)
- RegulatoryLimitSearchParam (limitType/productCategory/effectiveDate)

RegulatoryLimitMapper (com.ga.core.mapper.regulatory):
- 표준 CRUD + 활성 한도 조회 메서드 2종:
  - selectActiveByType(limitType, productCategory, baseDate) — 특정 날짜 유효 1건
  - selectAllActive(baseDate) — 특정 날짜 유효 전체

XML:
- effective_from <= baseDate AND (effective_to IS NULL OR effective_to >= baseDate)
- is_active = TRUE
- 최신 개정본 우선 (ORDER BY effective_from DESC LIMIT 1)
- product_category NULL=ALL 처리 안전 비교

ga-core/src/main/java/com/ga/core/mapper/regulatory/RegulatoryLimitMapper.java

@@ -0,0 +1,34 @@
+package com.ga.core.mapper.regulatory;
+
+import com.ga.core.vo.regulatory.RegulatoryLimitResp;
+import com.ga.core.vo.regulatory.RegulatoryLimitSearchParam;
+import com.ga.core.vo.regulatory.RegulatoryLimitVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.util.List;
+
+@Mapper
+public interface RegulatoryLimitMapper {
+
+    List<RegulatoryLimitResp> selectList(RegulatoryLimitSearchParam param);
+
+    RegulatoryLimitResp selectDetailById(@Param("limitId") Long limitId);
+
+    RegulatoryLimitVO selectById(@Param("limitId") Long limitId);
+
+    /** 특정 날짜에 유효한 한도 1건 조회 (limitType + productCategory 조합) */
+    RegulatoryLimitVO selectActiveByType(@Param("limitType") String limitType,
+                                         @Param("productCategory") String productCategory,
+                                         @Param("baseDate") String baseDate);
+
+    /** 특정 날짜에 유효한 모든 활성 한도 조회 (배치/검증용) */
+    List<RegulatoryLimitVO> selectAllActive(@Param("baseDate") String baseDate);
+
+    int insert(RegulatoryLimitVO vo);
+
+    int update(RegulatoryLimitVO vo);
+
+    /** is_active 플래그 변경 */
+    int updateStatus(@Param("limitId") Long limitId, @Param("isActive") Boolean isActive);
+}

ga-core/src/main/java/com/ga/core/vo/regulatory/LimitType.java

@@ -0,0 +1,7 @@
+package com.ga.core.vo.regulatory;
+
+public enum LimitType {
+    TOTAL_RATIO, FIRST_YEAR_RATIO, INSTALLMENT_YEARS;
+
+    public String code() { return this.name(); }
+}

ga-core/src/main/java/com/ga/core/vo/regulatory/LimitUnit.java

@@ -0,0 +1,7 @@
+package com.ga.core.vo.regulatory;
+
+public enum LimitUnit {
+    PERCENT, YEAR;
+
+    public String code() { return this.name(); }
+}

ga-core/src/main/java/com/ga/core/vo/regulatory/ProductCategory.java

@@ -0,0 +1,7 @@
+package com.ga.core.vo.regulatory;
+
+public enum ProductCategory {
+    ALL, LIFE, ANNUITY, SAVINGS, EXCLUDED_AUTO, EXCLUDED_HEALTH;
+
+    public String code() { return this.name(); }
+}

ga-core/src/main/java/com/ga/core/vo/regulatory/RegulatoryLimitResp.java

@@ -0,0 +1,23 @@
+package com.ga.core.vo.regulatory;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+@Data
+public class RegulatoryLimitResp {
+    private Long limitId;
+    private String limitType;
+    private String limitTypeName;
+    private String productCategory;
+    private String productCategoryName;
+    private BigDecimal limitValue;
+    private String unit;
+    private String unitName;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+    private String regulationRef;
+    private String description;
+    private Boolean isActive;
+}

ga-core/src/main/java/com/ga/core/vo/regulatory/RegulatoryLimitSaveReq.java

@@ -0,0 +1,37 @@
+package com.ga.core.vo.regulatory;
+
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import jakarta.validation.constraints.Size;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+@Data
+public class RegulatoryLimitSaveReq {
+
+    @NotBlank(message = "한도유형은 필수입니다")
+    private String limitType;
+
+    private String productCategory;
+
+    @NotNull(message = "한도값은 필수입니다")
+    @Positive(message = "한도값은 양수여야 합니다")
+    private BigDecimal limitValue;
+
+    @NotBlank(message = "단위는 필수입니다")
+    private String unit;
+
+    @NotNull(message = "적용 시작일은 필수입니다")
+    private LocalDate effectiveFrom;
+
+    private LocalDate effectiveTo;
+
+    @Size(max = 100)
+    private String regulationRef;
+
+    @Size(max = 500)
+    private String description;
+}

ga-core/src/main/java/com/ga/core/vo/regulatory/RegulatoryLimitSearchParam.java

@@ -0,0 +1,13 @@
+package com.ga.core.vo.regulatory;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class RegulatoryLimitSearchParam extends SearchParam {
+    private String limitType;
+    private String productCategory;
+    private String effectiveDate;  // YYYY-MM-DD — 해당 날짜에 유효한 한도 필터
+}

ga-core/src/main/java/com/ga/core/vo/regulatory/RegulatoryLimitVO.java

@@ -0,0 +1,26 @@
+package com.ga.core.vo.regulatory;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+@Data
+public class RegulatoryLimitVO {
+    private Long limitId;
+    private String limitType;
+    private String productCategory;   // NULL = 전체 상품 적용
+    private BigDecimal limitValue;
+    private String unit;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;    // NULL = 현재 유효
+    private String regulationRef;
+    private String description;
+    private Boolean isActive;
+
+    private LocalDateTime createdAt;
+    private Long createdBy;
+    private LocalDateTime updatedAt;
+    private Long updatedBy;
+}

ga-core/src/main/resources/mapper/regulatory/RegulatoryLimitMapper.xml

@@ -0,0 +1,178 @@
+<?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.ga.core.mapper.regulatory.RegulatoryLimitMapper">
+
+    <!-- ==================== ResultMap ==================== -->
+
+    <!-- regulatory_limit 테이블 1:1 매핑 (CUD용) -->
+    <resultMap id="VOMap" type="com.ga.core.vo.regulatory.RegulatoryLimitVO">
+        <id  property="limitId"          column="limit_id"/>
+        <result property="limitType"         column="limit_type"/>
+        <result property="productCategory"   column="product_category"/>
+        <result property="limitValue"        column="limit_value"/>
+        <result property="unit"              column="unit"/>
+        <result property="effectiveFrom"     column="effective_from"/>
+        <result property="effectiveTo"       column="effective_to"/>
+        <result property="regulationRef"     column="regulation_ref"/>
+        <result property="description"       column="description"/>
+        <result property="isActive"          column="is_active"/>
+        <result property="createdAt"         column="created_at"/>
+        <result property="createdBy"         column="created_by"/>
+        <result property="updatedAt"         column="updated_at"/>
+        <result property="updatedBy"         column="updated_by"/>
+    </resultMap>
+
+    <!-- 코드명 포함 API 응답용 -->
+    <resultMap id="RespMap" type="com.ga.core.vo.regulatory.RegulatoryLimitResp">
+        <id  property="limitId"              column="limit_id"/>
+        <result property="limitType"             column="limit_type"/>
+        <result property="limitTypeName"         column="limit_type_name"/>
+        <result property="productCategory"       column="product_category"/>
+        <result property="productCategoryName"   column="product_category_name"/>
+        <result property="limitValue"            column="limit_value"/>
+        <result property="unit"                  column="unit"/>
+        <result property="unitName"              column="unit_name"/>
+        <result property="effectiveFrom"         column="effective_from"/>
+        <result property="effectiveTo"           column="effective_to"/>
+        <result property="regulationRef"         column="regulation_ref"/>
+        <result property="description"           column="description"/>
+        <result property="isActive"              column="is_active"/>
+    </resultMap>
+
+    <!-- ==================== 공통 SELECT 컬럼 ==================== -->
+
+    <sql id="selectRespCols">
+        r.limit_id,
+        r.limit_type,
+        (SELECT cc.code_name FROM common_code cc
+         WHERE cc.group_code = 'LIMIT_TYPE' AND cc.code = r.limit_type) AS limit_type_name,
+        r.product_category,
+        (SELECT cc.code_name FROM common_code cc
+         WHERE cc.group_code = 'PRODUCT_CATEGORY' AND cc.code = r.product_category) AS product_category_name,
+        r.limit_value,
+        r.unit,
+        (SELECT cc.code_name FROM common_code cc
+         WHERE cc.group_code = 'LIMIT_UNIT' AND cc.code = r.unit) AS unit_name,
+        r.effective_from,
+        r.effective_to,
+        r.regulation_ref,
+        r.description,
+        r.is_active
+    </sql>
+
+    <!-- ==================== SELECT ==================== -->
+
+    <!-- 목록 조회 (검색 조건 + 페이징) -->
+    <select id="selectList" parameterType="com.ga.core.vo.regulatory.RegulatoryLimitSearchParam"
+            resultMap="RespMap">
+        SELECT <include refid="selectRespCols"/>
+        FROM regulatory_limit r
+        <where>
+            <if test="limitType != null and limitType != ''">
+                AND r.limit_type = #{limitType}
+            </if>
+            <if test="productCategory != null and productCategory != ''">
+                AND r.product_category = #{productCategory}
+            </if>
+            <if test="effectiveDate != null and effectiveDate != ''">
+                AND r.effective_from &lt;= #{effectiveDate}::DATE
+                AND (r.effective_to IS NULL OR r.effective_to >= #{effectiveDate}::DATE)
+            </if>
+        </where>
+        ORDER BY r.limit_type, r.effective_from DESC
+        <if test="pageSize != null and pageSize > 0">
+            LIMIT #{pageSize} OFFSET #{offset}
+        </if>
+    </select>
+
+    <!-- 단건 조회 (Resp: 코드명 포함) -->
+    <select id="selectDetailById" resultMap="RespMap">
+        SELECT <include refid="selectRespCols"/>
+        FROM regulatory_limit r
+        WHERE r.limit_id = #{limitId}
+    </select>
+
+    <!-- 단건 조회 (VO: CUD용) -->
+    <select id="selectById" resultMap="VOMap">
+        SELECT limit_id, limit_type, product_category, limit_value, unit,
+               effective_from, effective_to, regulation_ref, description, is_active,
+               created_at, created_by, updated_at, updated_by
+        FROM regulatory_limit
+        WHERE limit_id = #{limitId}
+    </select>
+
+    <!--
+        특정 날짜에 유효한 한도 1건 조회.
+        product_category가 NULL인 행은 전체 상품 적용(ALL)이므로
+        COALESCE로 NULL을 'ALL'과 동일하게 매핑하여 조회한다.
+        effective_from DESC 정렬로 가장 최근 개정본을 우선 반환.
+    -->
+    <select id="selectActiveByType" resultMap="VOMap">
+        SELECT limit_id, limit_type, product_category, limit_value, unit,
+               effective_from, effective_to, regulation_ref, description, is_active,
+               created_at, created_by, updated_at, updated_by
+        FROM regulatory_limit
+        WHERE limit_type = #{limitType}
+          AND (product_category = #{productCategory}
+               OR (#{productCategory} IS NULL AND product_category IS NULL))
+          AND is_active = TRUE
+          AND effective_from &lt;= #{baseDate}::DATE
+          AND (effective_to IS NULL OR effective_to >= #{baseDate}::DATE)
+        ORDER BY effective_from DESC
+        LIMIT 1
+    </select>
+
+    <!-- 특정 날짜에 유효한 모든 활성 한도 조회 (배치 검증/1200%룰 로드용) -->
+    <select id="selectAllActive" resultMap="VOMap">
+        SELECT limit_id, limit_type, product_category, limit_value, unit,
+               effective_from, effective_to, regulation_ref, description, is_active,
+               created_at, created_by, updated_at, updated_by
+        FROM regulatory_limit
+        WHERE is_active = TRUE
+          AND effective_from &lt;= #{baseDate}::DATE
+          AND (effective_to IS NULL OR effective_to >= #{baseDate}::DATE)
+        ORDER BY limit_type, effective_from DESC
+    </select>
+
+    <!-- ==================== INSERT ==================== -->
+
+    <insert id="insert" parameterType="com.ga.core.vo.regulatory.RegulatoryLimitVO"
+            useGeneratedKeys="true" keyProperty="limitId">
+        INSERT INTO regulatory_limit (
+            limit_type, product_category, limit_value, unit,
+            effective_from, effective_to, regulation_ref, description,
+            is_active, created_at, created_by
+        ) VALUES (
+            #{limitType}, #{productCategory}, #{limitValue}, #{unit},
+            #{effectiveFrom}, #{effectiveTo}, #{regulationRef}, #{description},
+            COALESCE(#{isActive}, TRUE), NOW(), #{createdBy}
+        )
+    </insert>
+
+    <!-- ==================== UPDATE ==================== -->
+
+    <update id="update" parameterType="com.ga.core.vo.regulatory.RegulatoryLimitVO">
+        UPDATE regulatory_limit
+        <set>
+            <if test="limitValue != null">limit_value = #{limitValue},</if>
+            <if test="unit != null and unit != ''">unit = #{unit},</if>
+            <if test="effectiveFrom != null">effective_from = #{effectiveFrom},</if>
+            <if test="effectiveTo != null">effective_to = #{effectiveTo},</if>
+            <if test="regulationRef != null">regulation_ref = #{regulationRef},</if>
+            <if test="description != null">description = #{description},</if>
+            <if test="isActive != null">is_active = #{isActive},</if>
+            updated_at = NOW(),
+            updated_by = #{updatedBy}
+        </set>
+        WHERE limit_id = #{limitId}
+    </update>
+
+    <!-- 활성 여부만 변경 -->
+    <update id="updateStatus">
+        UPDATE regulatory_limit
+        SET is_active = #{isActive}, updated_at = NOW()
+        WHERE limit_id = #{limitId}
+    </update>
+
+</mapper>