동기화

ga-batch/src/main/java/com/ga/batch/settlement/domain/BatchChargebackCalculator.java

@@ -0,0 +1,49 @@
+package com.ga.batch.settlement.domain;
+
+import com.ga.core.mapper.chargeback.ChargebackGradeMapper;
+import com.ga.core.vo.chargeback.ChargebackGradeVO;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Component;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.temporal.ChronoUnit;
+
+/**
+ * 배치용 차등환수 계산기. ga-api ChargebackCalculator와 동일 로직.
+ * chargeback_grade 테이블 기반 5단계 환수율 조회.
+ */
+@Component
+@RequiredArgsConstructor
+public class BatchChargebackCalculator {
+
+    private static final DateTimeFormatter DATE_FMT = DateTimeFormatter.ofPattern("yyyy-MM-dd");
+
+    private final ChargebackGradeMapper gradeMapper;
+
+    public ChargebackResult calculate(LocalDate contractDate, LocalDate terminationDate,
+                                      BigDecimal originalCommission, String productCategory) {
+        int monthsElapsed = (int) ChronoUnit.MONTHS.between(contractDate, terminationDate);
+        String today = LocalDate.now().format(DATE_FMT);
+
+        ChargebackGradeVO grade = gradeMapper.selectByMonths(productCategory, monthsElapsed, today);
+
+        if (grade == null) {
+            return new ChargebackResult(BigDecimal.ZERO, monthsElapsed, BigDecimal.ZERO,
+                    "적용 환수 구간 없음");
+        }
+
+        BigDecimal chargebackAmount = originalCommission
+                .multiply(grade.getChargebackPercent())
+                .divide(BigDecimal.valueOf(100), 0, RoundingMode.HALF_UP);
+
+        return new ChargebackResult(
+                chargebackAmount,
+                monthsElapsed,
+                grade.getChargebackPercent(),
+                String.format("경과월 %d개월 → 환수율 %s%%", monthsElapsed, grade.getChargebackPercent())
+        );
+    }
+}

ga-batch/src/main/java/com/ga/batch/settlement/domain/BatchInstallmentPlanGenerator.java

@@ -0,0 +1,51 @@
+package com.ga.batch.settlement.domain;
+
+import com.ga.core.mapper.installment.InstallmentRatioMapper;
+import com.ga.core.vo.installment.InstallmentPlanVO;
+import com.ga.core.vo.installment.InstallmentRatioVO;
+import com.ga.core.vo.installment.InstallmentStatus;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Component;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.ArrayList;
+import java.util.List;
+
+/**
+ * 배치용 분급 계획 생성기. ga-api InstallmentPlanGenerator와 동일 로직.
+ * 계약 체결일 기준 1~7차년 분급 계획 생성.
+ */
+@Component
+@RequiredArgsConstructor
+public class BatchInstallmentPlanGenerator {
+
+    private static final DateTimeFormatter DATE_FMT  = DateTimeFormatter.ofPattern("yyyy-MM-dd");
+    private static final DateTimeFormatter MONTH_FMT = DateTimeFormatter.ofPattern("yyyyMM");
+
+    private final InstallmentRatioMapper ratioMapper;
+
+    public List<InstallmentPlanVO> generate(Long contractId, BigDecimal totalCommission,
+                                            LocalDate contractDate, String productCategory) {
+        String baseDate = contractDate.format(DATE_FMT);
+        List<InstallmentRatioVO> ratios = ratioMapper.selectAllActiveRatios(productCategory, baseDate);
+
+        List<InstallmentPlanVO> plans = new ArrayList<>();
+        for (InstallmentRatioVO ratio : ratios) {
+            InstallmentPlanVO plan = new InstallmentPlanVO();
+            plan.setContractId(contractId);
+            plan.setPlanYear(ratio.getPlanYear());
+            plan.setPlanMonth(1);
+            plan.setSettleMonth(contractDate.plusYears(ratio.getPlanYear()).format(MONTH_FMT));
+            plan.setExpectedAmount(
+                    totalCommission.multiply(ratio.getRatioPercent())
+                                   .divide(BigDecimal.valueOf(100), 0, RoundingMode.HALF_UP)
+            );
+            plan.setStatus(InstallmentStatus.SCHEDULED.code());
+            plans.add(plan);
+        }
+        return plans;
+    }
+}

ga-batch/src/main/java/com/ga/batch/settlement/domain/BatchRegulatoryLimitChecker.java

@@ -0,0 +1,83 @@
+package com.ga.batch.settlement.domain;
+
+import com.ga.core.mapper.ledger.MaintainLedgerMapper;
+import com.ga.core.mapper.ledger.RecruitLedgerMapper;
+import com.ga.core.mapper.regulatory.RegulatoryLimitMapper;
+import com.ga.core.vo.regulatory.RegulatoryLimitVO;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Component;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+
+/**
+ * 배치용 1200%룰 한도 체커. ga-api RegulatoryLimitChecker와 동일 로직.
+ */
+@Component
+@RequiredArgsConstructor
+public class BatchRegulatoryLimitChecker {
+
+    private static final String TOTAL_RATIO = "TOTAL_RATIO";
+    private static final String FIRST_YEAR_RATIO = "FIRST_YEAR_RATIO";
+    private static final DateTimeFormatter DATE_FMT = DateTimeFormatter.ofPattern("yyyy-MM-dd");
+
+    private final RegulatoryLimitMapper limitMapper;
+    private final RecruitLedgerMapper recruitLedgerMapper;
+    private final MaintainLedgerMapper maintainLedgerMapper;
+
+    /** 누적 수수료율 한도 체크 (1200%). 신계약 + 유지 원장 합산. */
+    public ViolationResult checkContractTotal(Long contractId, BigDecimal additionalAmount, LocalDate baseDate) {
+        String baseDateStr = baseDate.format(DATE_FMT);
+        RegulatoryLimitVO limit = limitMapper.selectActiveByType(TOTAL_RATIO, null, baseDateStr);
+        if (limit == null) {
+            return ViolationResult.ok(additionalAmount, null, TOTAL_RATIO);
+        }
+
+        BigDecimal currentTotal = sumPaidByContract(contractId);
+        BigDecimal projected = currentTotal.add(additionalAmount);
+
+        if (projected.compareTo(limit.getLimitValue()) > 0) {
+            return ViolationResult.violated(
+                    currentTotal,
+                    limit.getLimitValue(),
+                    TOTAL_RATIO,
+                    String.format("누적 수수료 한도 초과: 현재 %s, 추가 %s, 한도 %s %s",
+                            currentTotal, additionalAmount, limit.getLimitValue(), limit.getUnit())
+            );
+        }
+        return ViolationResult.ok(currentTotal, limit.getLimitValue(), TOTAL_RATIO);
+    }
+
+    /** 1차년 수수료율 한도 체크. */
+    public ViolationResult checkFirstYear(Long contractId, BigDecimal additionalAmount, LocalDate baseDate) {
+        String baseDateStr = baseDate.format(DATE_FMT);
+        RegulatoryLimitVO limit = limitMapper.selectActiveByType(FIRST_YEAR_RATIO, null, baseDateStr);
+        if (limit == null) {
+            return ViolationResult.ok(additionalAmount, null, FIRST_YEAR_RATIO);
+        }
+
+        BigDecimal currentTotal = nullSafe(recruitLedgerMapper.sumFirstYearByContract(contractId));
+        BigDecimal projected = currentTotal.add(additionalAmount);
+
+        if (projected.compareTo(limit.getLimitValue()) > 0) {
+            return ViolationResult.violated(
+                    currentTotal,
+                    limit.getLimitValue(),
+                    FIRST_YEAR_RATIO,
+                    String.format("1차년 수수료 한도 초과: 현재 %s, 추가 %s, 한도 %s %s",
+                            currentTotal, additionalAmount, limit.getLimitValue(), limit.getUnit())
+            );
+        }
+        return ViolationResult.ok(currentTotal, limit.getLimitValue(), FIRST_YEAR_RATIO);
+    }
+
+    private BigDecimal sumPaidByContract(Long contractId) {
+        return nullSafe(recruitLedgerMapper.sumByContract(contractId))
+                .add(nullSafe(maintainLedgerMapper.sumByContract(contractId)));
+    }
+
+    private BigDecimal nullSafe(BigDecimal v) {
+        return v != null ? v : BigDecimal.ZERO;
+    }
+}

ga-batch/src/main/java/com/ga/batch/settlement/domain/BatchTaxCalculator.java

@@ -0,0 +1,45 @@
+package com.ga.batch.settlement.domain;
+
+import com.ga.common.system.SystemConfigService;
+import com.ga.core.vo.org.TaxType;
+import com.ga.core.vo.org.VatType;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Component;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+
+/**
+ * 배치용 세금 계산기. ga-api TaxCalculator와 동일 로직, ga-batch 모듈 독립.
+ * 사업소득 3.3% / 기타소득 8.8% + 지방소득세 10% + 부가세 10% (TAXABLE만).
+ */
+@Component
+@RequiredArgsConstructor
+public class BatchTaxCalculator {
+
+    private final SystemConfigService configService;
+
+    public TaxBreakdown calculate(BigDecimal amount, TaxType taxType, VatType vatType) {
+        BigDecimal incomeRate = resolveIncomeRate(taxType);
+        BigDecimal localRate  = configService.getDecimal("TAX_RATE_LOCAL_INCOME", new BigDecimal("10.0"));
+        BigDecimal vatRate    = configService.getDecimal("TAX_RATE_VAT", new BigDecimal("10.0"));
+
+        BigDecimal incomeTax = amount.multiply(incomeRate)
+                .divide(BigDecimal.valueOf(100), 0, RoundingMode.HALF_UP);
+        BigDecimal localTax = incomeTax.multiply(localRate)
+                .divide(BigDecimal.valueOf(100), 0, RoundingMode.HALF_UP);
+        BigDecimal vat = VatType.TAXABLE.equals(vatType)
+                ? amount.multiply(vatRate).divide(BigDecimal.valueOf(100), 0, RoundingMode.HALF_UP)
+                : BigDecimal.ZERO;
+        BigDecimal netAmount = amount.subtract(incomeTax).subtract(localTax).add(vat);
+
+        return new TaxBreakdown(incomeTax, localTax, vat, netAmount);
+    }
+
+    private BigDecimal resolveIncomeRate(TaxType taxType) {
+        if (TaxType.OTHER_INCOME.equals(taxType)) {
+            return configService.getDecimal("TAX_RATE_OTHER_INCOME", new BigDecimal("8.8"));
+        }
+        return configService.getDecimal("TAX_RATE_BUSINESS_INCOME", new BigDecimal("3.3"));
+    }
+}

ga-batch/src/main/java/com/ga/batch/settlement/domain/ChargebackResult.java

@@ -0,0 +1,11 @@
+package com.ga.batch.settlement.domain;
+
+import java.math.BigDecimal;
+
+/** 차등환수 계산 결과. */
+public record ChargebackResult(
+        BigDecimal chargebackAmount,
+        int monthsElapsed,
+        BigDecimal appliedPercent,
+        String reason
+) {}

ga-batch/src/main/java/com/ga/batch/settlement/domain/TaxBreakdown.java

@@ -0,0 +1,11 @@
+package com.ga.batch.settlement.domain;
+
+import java.math.BigDecimal;
+
+/** 세금 계산 결과. ga-api TaxBreakdown과 동일 구조 (모듈 독립). */
+public record TaxBreakdown(
+        BigDecimal incomeTax,
+        BigDecimal localTax,
+        BigDecimal vat,
+        BigDecimal netAmount
+) {}

ga-batch/src/main/java/com/ga/batch/settlement/domain/ViolationResult.java

@@ -0,0 +1,21 @@
+package com.ga.batch.settlement.domain;
+
+import java.math.BigDecimal;
+
+/** 1200%룰 검증 결과. */
+public record ViolationResult(
+        boolean violated,
+        BigDecimal currentTotal,
+        BigDecimal limitAmount,
+        String limitType,
+        String message
+) {
+    public static ViolationResult ok(BigDecimal currentTotal, BigDecimal limitAmount, String limitType) {
+        return new ViolationResult(false, currentTotal, limitAmount, limitType, null);
+    }
+
+    public static ViolationResult violated(BigDecimal currentTotal, BigDecimal limitAmount,
+                                           String limitType, String message) {
+        return new ViolationResult(true, currentTotal, limitAmount, limitType, message);
+    }
+}

ga-batch/src/main/java/com/ga/batch/settlement/step/AggregateStep.java

@@ -1,18 +1,28 @@
 package com.ga.batch.settlement.step;
 
 import com.ga.batch.settlement.SettlementContext;
-import com.ga.common.system.SystemConfigService;
+import com.ga.batch.settlement.domain.BatchTaxCalculator;
+import com.ga.batch.settlement.domain.TaxBreakdown;
 import com.ga.common.util.MoneyUtil;
 import com.ga.core.mapper.ledger.ExceptionLedgerMapper;
 import com.ga.core.mapper.ledger.MaintainLedgerMapper;
 import com.ga.core.mapper.ledger.RecruitLedgerMapper;
 import com.ga.core.mapper.org.AgentMapper;
+import com.ga.core.mapper.settle.AgentDeductionMapper;
 import com.ga.core.mapper.settle.ChargebackMapper;
+import com.ga.core.mapper.settle.CommissionStatementMapper;
 import com.ga.core.mapper.settle.OverrideSettleMapper;
 import com.ga.core.mapper.settle.SettleMasterMapper;
 import com.ga.core.vo.org.AgentResp;
 import com.ga.core.vo.org.AgentSearchParam;
+import com.ga.core.vo.org.AgentVO;
+import com.ga.core.vo.org.TaxType;
+import com.ga.core.vo.org.VatType;
+import com.ga.core.vo.settle.AgentDeductionVO;
+import com.ga.core.vo.settle.CommissionStatementVO;
+import com.ga.core.vo.settle.DeductionStatus;
 import com.ga.core.vo.settle.SettleMasterVO;
+import com.ga.core.vo.settle.StatementType;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.batch.core.StepContribution;
@@ -23,12 +33,22 @@ import org.springframework.batch.repeat.RepeatStatus;
 import org.springframework.stereotype.Component;
 
 import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import java.util.ArrayList;
 import java.util.HashMap;
+import java.util.HashSet;
 import java.util.List;
 import java.util.Map;
+import java.util.Set;
 
 /**
- * Step 8 — aggregate: 설계사별 통합 집계 → settle_master UPSERT (세금 자동 계산)
+ * Step 8 — aggregate: 설계사별 통합 집계 → settle_master UPSERT
+ *
+ * 통합 내용:
+ * - BatchTaxCalculator: 설계사 세금유형(TaxType/VatType)에 따라 정확한 세금 계산
+ *   (사업소득 3.3% / 기타소득 8.8% + 지방소득세 10% + 부가세 10%)
+ * - AgentDeductionMapper: PENDING 차감 합산 → netAmount에서 차감 후 APPLIED 상태로 전이
+ * - CommissionStatementMapper: 설계사별 명세서 레코드(ISSUED 상태) INSERT
  */
 @Slf4j
 @Component
@@ -44,16 +64,19 @@ public class AggregateStep implements Tasklet {
     private final OverrideSettleMapper overrideMapper;
     private final ChargebackMapper chargebackMapper;
     private final SettleMasterMapper settleMapper;
-    private final SystemConfigService configService;
+    private final AgentDeductionMapper deductionMapper;
+    private final CommissionStatementMapper statementMapper;
+    private final BatchTaxCalculator taxCalculator;
 
     @Override
     public RepeatStatus execute(StepContribution contribution, ChunkContext chunkContext) {
         log.info("[Step8 aggregate] settleMonth={}", ctx.getSettleMonth());
 
-        Map<Long, BigDecimal> recruitMap   = toMap(recruitMapper.aggregateByAgent(ctx.getSettleMonth()));
-        Map<Long, BigDecimal> maintainMap  = toMap(maintainMapper.aggregateByAgent(ctx.getSettleMonth()));
-        Map<Long, BigDecimal> chargebackMap= toMap(chargebackMapper.aggregateByAgent(ctx.getSettleMonth()));
-        Map<Long, BigDecimal> overrideMap  = toMap(overrideMapper.aggregateByUpper(ctx.getSettleMonth()));
+        Map<Long, BigDecimal> recruitMap    = toMap(recruitMapper.aggregateByAgent(ctx.getSettleMonth()));
+        Map<Long, BigDecimal> maintainMap   = toMap(maintainMapper.aggregateByAgent(ctx.getSettleMonth()));
+        Map<Long, BigDecimal> chargebackMap = toMap(chargebackMapper.aggregateByAgent(ctx.getSettleMonth()));
+        Map<Long, BigDecimal> overrideMap   = toMap(overrideMapper.aggregateByUpper(ctx.getSettleMonth()));
+
         // 예외는 PLUS/MINUS 분리
         Map<Long, BigDecimal> excPlus  = new HashMap<>();
         Map<Long, BigDecimal> excMinus = new HashMap<>();
@@ -63,10 +86,8 @@ public class AggregateStep implements Tasklet {
             excMinus.put(agentId, toBd(row.get("minus")));
         }
 
-        BigDecimal taxRate = configService.getDecimal("TAX_RATE", new BigDecimal("3.3"));
-
         // 합집합 agent_id
-        java.util.Set<Long> agentIds = new java.util.HashSet<>();
+        Set<Long> agentIds = new HashSet<>();
         agentIds.addAll(recruitMap.keySet());
         agentIds.addAll(maintainMap.keySet());
         agentIds.addAll(chargebackMap.keySet());
@@ -76,10 +97,23 @@ public class AggregateStep implements Tasklet {
 
         // 활성 설계사 누락 보충
         AgentSearchParam ap = new AgentSearchParam();
-        ap.setStatus("ACTIVE"); ap.setPageSize(Integer.MAX_VALUE);
-        for (AgentResp a : agentMapper.selectList(ap)) agentIds.add(a.getAgentId());
+        ap.setStatus("ACTIVE");
+        ap.setPageSize(Integer.MAX_VALUE);
+        for (AgentResp a : agentMapper.selectList(ap)) {
+            agentIds.add(a.getAgentId());
+        }
 
+        // 정산월 PENDING 차감 목록 일괄 조회 (배치 효율)
+        List<AgentDeductionVO> allDeductions = deductionMapper.selectPendingByMonth(ctx.getSettleMonth());
+        Map<Long, List<AgentDeductionVO>> deductionByAgent = new HashMap<>();
+        for (AgentDeductionVO d : allDeductions) {
+            deductionByAgent.computeIfAbsent(d.getAgentId(), k -> new ArrayList<>()).add(d);
+        }
+
+        List<Long> appliedDeductionIds = new ArrayList<>();
+        List<CommissionStatementVO> statements = new ArrayList<>();
         int count = 0;
+
         for (Long agentId : agentIds) {
             BigDecimal recruit  = recruitMap.getOrDefault(agentId, BigDecimal.ZERO);
             BigDecimal maintain = maintainMap.getOrDefault(agentId, BigDecimal.ZERO);
@@ -90,9 +124,25 @@ public class AggregateStep implements Tasklet {
 
             BigDecimal gross = MoneyUtil.add(MoneyUtil.add(MoneyUtil.add(recruit, maintain), ov), ep)
                                         .subtract(cb).subtract(em);
-            BigDecimal tax = MoneyUtil.tax(gross, taxRate);
-            BigDecimal net = MoneyUtil.sub(gross, tax);
 
+            // 세금유형 조회 (없으면 기본: BUSINESS_INCOME / NONE)
+            AgentVO agentVO = agentMapper.selectById(agentId);
+            TaxType taxType = parseTaxType(agentVO);
+            VatType vatType = parseVatType(agentVO);
+
+            // BatchTaxCalculator로 정확한 세금 계산
+            TaxBreakdown tax = taxCalculator.calculate(gross, taxType, vatType);
+            BigDecimal totalTax = tax.incomeTax().add(tax.localTax()); // settle_master.tax_amount
+
+            // 차감 합산
+            List<AgentDeductionVO> agentDeductions = deductionByAgent.getOrDefault(agentId, List.of());
+            BigDecimal deductionTotal = agentDeductions.stream()
+                    .map(AgentDeductionVO::getAmount)
+                    .reduce(BigDecimal.ZERO, BigDecimal::add);
+
+            BigDecimal netAmount = tax.netAmount().subtract(deductionTotal);
+
+            // settle_master UPSERT
             SettleMasterVO vo = new SettleMasterVO();
             vo.setAgentId(agentId);
             vo.setSettleMonth(ctx.getSettleMonth());
@@ -103,17 +153,74 @@ public class AggregateStep implements Tasklet {
             vo.setOverrideTotal(ov);
             vo.setChargebackTotal(cb);
             vo.setGrossAmount(gross);
-            vo.setTaxAmount(tax);
-            vo.setNetAmount(net);
+            vo.setTaxAmount(totalTax);   // incomeTax + localTax 합산
+            vo.setNetAmount(netAmount);  // gross - incomeTax - localTax + vat - deduction
             vo.setStatus("CALCULATED");
             settleMapper.upsert(vo);
             count++;
+
+            // 차감 적용 완료 처리
+            if (!agentDeductions.isEmpty()) {
+                agentDeductions.forEach(d -> appliedDeductionIds.add(d.getDeductionId()));
+            }
+
+            // 명세서 레코드 생성 (commission_statement INSERT, 중복 시 skip)
+            CommissionStatementVO existingStmt = statementMapper.selectByAgentMonth(
+                    agentId, ctx.getSettleMonth(), StatementType.MONTHLY.code());
+            if (existingStmt == null && gross.signum() != 0) {
+                CommissionStatementVO stmt = new CommissionStatementVO();
+                stmt.setAgentId(agentId);
+                stmt.setSettleMonth(ctx.getSettleMonth());
+                stmt.setStatementType(StatementType.MONTHLY.code());
+                stmt.setGrossAmount(gross);
+                stmt.setIncomeTaxAmount(tax.incomeTax());
+                stmt.setLocalTaxAmount(tax.localTax());
+                stmt.setVatAmount(tax.vat());
+                stmt.setDeductionAmount(deductionTotal);
+                stmt.setNetAmount(netAmount);
+                stmt.setIssueStatus("ISSUED");
+                stmt.setIssuedAt(LocalDateTime.now());
+                statements.add(stmt);
+            }
         }
+
+        // 차감 APPLIED 상태 일괄 전이
+        if (!appliedDeductionIds.isEmpty()) {
+            deductionMapper.updateStatusBatch(appliedDeductionIds, DeductionStatus.APPLIED.name());
+            log.info("[Step8] deductions applied: {}", appliedDeductionIds.size());
+        }
+
+        // 명세서 일괄 INSERT
+        for (CommissionStatementVO stmt : statements) {
+            statementMapper.insert(stmt);
+        }
+        if (!statements.isEmpty()) {
+            log.info("[Step8] commission statements inserted: {}", statements.size());
+        }
+
         ctx.setAggregateCount(count);
         log.info("[Step8] settle master upserted: {}", count);
         return RepeatStatus.FINISHED;
     }
 
+    private TaxType parseTaxType(AgentVO agent) {
+        if (agent == null || agent.getTaxType() == null) return TaxType.BUSINESS_INCOME;
+        try {
+            return TaxType.valueOf(agent.getTaxType());
+        } catch (IllegalArgumentException e) {
+            return TaxType.BUSINESS_INCOME;
+        }
+    }
+
+    private VatType parseVatType(AgentVO agent) {
+        if (agent == null || agent.getVatType() == null) return VatType.NONE;
+        try {
+            return VatType.valueOf(agent.getVatType());
+        } catch (IllegalArgumentException e) {
+            return VatType.NONE;
+        }
+    }
+
     private Map<Long, BigDecimal> toMap(List<Map<String, Object>> rows) {
         Map<Long, BigDecimal> m = new HashMap<>();
         for (Map<String, Object> r : rows) {

ga-batch/src/main/java/com/ga/batch/settlement/step/CalcRecruitStep.java

@@ -2,10 +2,15 @@ package com.ga.batch.settlement.step;
 
 import com.ga.batch.settlement.SettlementContext;
 import com.ga.batch.settlement.calc.CommissionCalculator;
+import com.ga.batch.settlement.domain.BatchInstallmentPlanGenerator;
+import com.ga.batch.settlement.domain.BatchRegulatoryLimitChecker;
+import com.ga.batch.settlement.domain.ViolationResult;
 import com.ga.common.util.DateUtil;
 import com.ga.common.util.MoneyUtil;
+import com.ga.core.mapper.installment.InstallmentPlanMapper;
 import com.ga.core.mapper.ledger.RecruitLedgerMapper;
 import com.ga.core.mapper.product.ContractMapper;
+import com.ga.core.vo.installment.InstallmentPlanVO;
 import com.ga.core.vo.ledger.LedgerVO;
 import com.ga.core.vo.product.ContractResp;
 import com.ga.core.vo.product.ContractSearchParam;
@@ -25,6 +30,9 @@ import java.util.List;
  * Step 4 — calcRecruit: 모집 수수료 계산 (계약 첫 회차)
  *
  * 원칙: 계약시점의 commission_rate / payout_rule 적용 (effective_from 기준)
+ *
+ * 추가: 1200%룰(BatchRegulatoryLimitChecker) 검증 후 한도 초과 계약은
+ * InstallmentPlan(분급 7년) 생성. Step 4.5 역할을 Step 4 내에서 수행.
  */
 @Slf4j
 @Component
@@ -36,6 +44,9 @@ public class CalcRecruitStep implements Tasklet {
     private final ContractMapper contractMapper;
     private final RecruitLedgerMapper recruitMapper;
     private final CommissionCalculator calculator;
+    private final BatchRegulatoryLimitChecker regulatoryChecker;
+    private final BatchInstallmentPlanGenerator installmentGenerator;
+    private final InstallmentPlanMapper installmentPlanMapper;
 
     private static final int BATCH_SIZE = 1000;
 
@@ -55,10 +66,33 @@ public class CalcRecruitStep implements Tasklet {
         recruitMapper.deleteBySettleMonth(ctx.getSettleMonth());
 
         List<LedgerVO> batch = new ArrayList<>(BATCH_SIZE);
+        List<InstallmentPlanVO> installmentBatch = new ArrayList<>();
         int total = 0;
+        int violationCount = 0;
+
         for (ContractResp c : contracts) {
             LedgerVO led = calculator.calcRecruitLedger(c, ctx.getSettleMonth());
             if (led == null || MoneyUtil.isZero(led.getAgentAmount())) continue;
+
+            // 1200%룰 검증 (1차년도 한도)
+            if (c.getContractDate() != null) {
+                ViolationResult firstYearCheck = regulatoryChecker.checkFirstYear(
+                        c.getContractId(), led.getAgentAmount(), c.getContractDate());
+
+                if (firstYearCheck.violated()) {
+                    log.warn("[Step4] 1200%룰 위반: contractId={}, msg={}",
+                            c.getContractId(), firstYearCheck.message());
+                    violationCount++;
+
+                    // 1200%룰 위반 계약: 분급 계획 생성 (7년 35/25/15/10/7/5/3)
+                    List<InstallmentPlanVO> plans = installmentGenerator.generate(
+                            c.getContractId(), led.getAgentAmount(),
+                            c.getContractDate(), c.getInsuranceType());
+                    installmentBatch.addAll(plans);
+                    // 위반 계약도 원장에는 기록 (감사 목적)
+                }
+            }
+
             batch.add(led);
             if (batch.size() >= BATCH_SIZE) {
                 recruitMapper.batchInsert(batch);
@@ -71,8 +105,15 @@ public class CalcRecruitStep implements Tasklet {
             total += batch.size();
         }
 
+        // 분급 계획 일괄 저장
+        if (!installmentBatch.isEmpty()) {
+            installmentPlanMapper.insertBatch(installmentBatch);
+            log.info("[Step4] installment plans created: {} (violations: {})",
+                    installmentBatch.size(), violationCount);
+        }
+
         ctx.setRecruitCount(total);
-        log.info("[Step4] recruit ledger inserted: {}", total);
+        log.info("[Step4] recruit ledger inserted: {}, regulatory violations: {}", total, violationCount);
         return RepeatStatus.FINISHED;
     }
 }

ga-batch/src/main/java/com/ga/batch/settlement/step/ChargebackExceptionStep.java

@@ -1,11 +1,11 @@
 package com.ga.batch.settlement.step;
 
 import com.ga.batch.settlement.SettlementContext;
+import com.ga.batch.settlement.domain.BatchChargebackCalculator;
+import com.ga.batch.settlement.domain.ChargebackResult;
 import com.ga.common.util.DateUtil;
-import com.ga.common.util.MoneyUtil;
 import com.ga.core.mapper.ledger.RecruitLedgerMapper;
 import com.ga.core.mapper.product.ContractMapper;
-import com.ga.core.mapper.rule.RuleMapper;
 import com.ga.core.mapper.settle.ChargebackMapper;
 import com.ga.core.vo.product.ContractResp;
 import com.ga.core.vo.product.ContractSearchParam;
@@ -26,7 +26,8 @@ import java.util.List;
 /**
  * Step 6 — chargebackException: 환수 자동생성 + 예외금액 자동계산
  *
- * 환수 대상: 정산월에 LAPSE(실효) 된 계약 — 계약일~실효까지 경과월수로 환수율 결정.
+ * 환수율 계산: BatchChargebackCalculator (chargeback_grade 5단계 차등환수) 사용.
+ * 환수 원금: 해당 계약의 모집 원장 합산 (recruit_ledger 기준).
  */
 @Slf4j
 @Component
@@ -37,8 +38,8 @@ public class ChargebackExceptionStep implements Tasklet {
     private final SettlementContext ctx;
     private final ContractMapper contractMapper;
     private final RecruitLedgerMapper recruitMapper;
-    private final RuleMapper ruleMapper;
     private final ChargebackMapper chargebackMapper;
+    private final BatchChargebackCalculator chargebackCalculator;
 
     @Override
     public RepeatStatus execute(StepContribution contribution, ChunkContext chunkContext) {
@@ -51,30 +52,30 @@ public class ChargebackExceptionStep implements Tasklet {
 
         List<ChargebackVO> chargebacks = new ArrayList<>();
         for (ContractResp c : lapsed) {
-            if (c.getLapseDate() == null) continue;
+            if (c.getLapseDate() == null || c.getContractDate() == null) continue;
+
             String lapseMonth = DateUtil.getSettleMonth(c.getLapseDate());
             if (!ctx.getSettleMonth().equals(lapseMonth)) continue;
-            if (c.getContractDate() == null) continue;
 
-            int monthsActive = DateUtil.calcMonthDiff(
-                    DateUtil.getSettleMonth(c.getContractDate()), lapseMonth);
-            BigDecimal cbRate = ruleMapper.findChargebackRate(
-                    c.getCompanyCode(), c.getInsuranceType(), monthsActive, c.getLapseDate());
-            if (cbRate == null || cbRate.signum() <= 0) continue;
+            // 모집 원장에서 원 수수료 조회
+            BigDecimal originalCommission = recruitMapper.sumByContract(c.getContractId());
+            if (originalCommission == null || originalCommission.signum() <= 0) continue;
 
-            // 모집수수료 합계 × 환수율
-            BigDecimal originalAmount = MoneyUtil.zero(c.getPremium())
-                    .multiply(cbRate)
-                    .divide(MoneyUtil.HUNDRED, 2, java.math.RoundingMode.HALF_UP);
+            // BatchChargebackCalculator: chargeback_grade 5단계 차등환수
+            ChargebackResult result = chargebackCalculator.calculate(
+                    c.getContractDate(), c.getLapseDate(),
+                    originalCommission, c.getInsuranceType());
+
+            if (result.chargebackAmount().signum() <= 0) continue;
 
             ChargebackVO cb = new ChargebackVO();
             cb.setContractId(c.getContractId());
             cb.setAgentId(c.getAgentId());
             cb.setPolicyNo(c.getPolicyNo());
-            cb.setLapseMonth(monthsActive);
-            cb.setCbRate(cbRate);
-            cb.setCbAmount(originalAmount);
-            cb.setRemainAmount(originalAmount);
+            cb.setLapseMonth(result.monthsElapsed());
+            cb.setCbRate(result.appliedPercent());
+            cb.setCbAmount(result.chargebackAmount());
+            cb.setRemainAmount(result.chargebackAmount());
             cb.setSettleMonth(ctx.getSettleMonth());
             cb.setStatus("NEW");
             chargebacks.add(cb);
@@ -84,7 +85,7 @@ public class ChargebackExceptionStep implements Tasklet {
             chargebackMapper.insertBatch(chargebacks);
         }
         ctx.setChargebackCount(chargebacks.size());
-        log.info("[Step6] chargeback inserted: {}", chargebacks.size());
+        log.info("[Step6] chargeback inserted: {} (using BatchChargebackCalculator)", chargebacks.size());
         return RepeatStatus.FINISHED;
     }
 }