feat: incar 갭 반영 수수료/운영 14개 도메인 풀스택 + 배치통합 + 신입교육자료

incar CMS(116메뉴) 벤치마킹 갭분석으로 ga-pro에 없던 14개 도메인을 풀스택 추가.

P7 수수료 계산 7종 (V88~V96):
- 수입수수료+수지차, 소개·이관수수료, 정착지원금, 인정실적+환산율,
  시상, 생보운영지원수수료, 지점장수당
- 각 rule/ledger + 공식(보험료×요율, 수입−지급 등) Service 내장

P8 운영/정산 7종 (V97~V105):
- 단계마감, 본사정산, 등급평가, 공동계약, 보증보험, 적립금, 수수료시뮬레이터
- close/reopen/apply/simulate/upsert 등 액션 + 손익·잔액·등급 산정 로직

배치 통합 (V106):
- settle_master.other_commission_total 컬럼 추가(DEFAULT 0, 백필)
- 설계사 지급성 9종 원장 aggregateByAgent → AggregateStep gross 합산
- 빈 원장 0 → 기존 정산결과·무결성 불변(비파괴적)

테스트: P7/P8 Service 공식 단위테스트 21건(ga-api:test 57건 전체 통과)
프론트: 화면 14개 + React.lazy 코드 스플리팅(단일 4MB → 130+ 청크)
문서: DOMAIN_GAP_P7/P8.md, 신입교육_보험과수수료_완전기초.md, DOMAIN_KNOWLEDGE/HANDOFF 갱신

검증: 전체 ./gradlew build(test 포함) SUCCESSFUL, Flyway V88~V106 success,
GET+액션POST smoke 5xx 0건, 9개 집계쿼리 SQL 유효성 확인, 공식 런타임 실측.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

ga-core/src/main/java/com/ga/core/mapper/commission/AgentGradeEvaluationMapper.java

@@ -0,0 +1,30 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.AgentGradeEvaluationResp;
+import com.ga.core.vo.commission.AgentGradeEvaluationSearchParam;
+import com.ga.core.vo.commission.AgentGradeEvaluationVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.util.List;
+
+/**
+ * agent_grade_evaluation Mapper.
+ * 설계사 등급평가 원장: 월별 실적점수 기반 등급 산정 결과.
+ */
+@Mapper
+public interface AgentGradeEvaluationMapper {
+
+    AgentGradeEvaluationResp selectById(@Param("evalId") Long evalId);
+
+    List<AgentGradeEvaluationResp> selectList(AgentGradeEvaluationSearchParam param);
+
+    int insert(AgentGradeEvaluationVO vo);
+
+    /**
+     * 등급 반영 상태 변경 (EVALUATED → APPLIED).
+     */
+    int updateStatus(@Param("evalId") Long evalId, @Param("status") String status);
+
+    int delete(@Param("evalId") Long evalId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/AgentGuaranteeInsuranceMapper.java

@@ -0,0 +1,27 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.AgentGuaranteeInsuranceResp;
+import com.ga.core.vo.commission.AgentGuaranteeInsuranceSearchParam;
+import com.ga.core.vo.commission.AgentGuaranteeInsuranceVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.util.List;
+
+/**
+ * agent_guarantee_insurance Mapper.
+ * 보증보험: 설계사 신원보증보험 가입현황 관리.
+ */
+@Mapper
+public interface AgentGuaranteeInsuranceMapper {
+
+    AgentGuaranteeInsuranceResp selectById(@Param("guaranteeId") Long guaranteeId);
+
+    List<AgentGuaranteeInsuranceResp> selectList(AgentGuaranteeInsuranceSearchParam param);
+
+    int insert(AgentGuaranteeInsuranceVO vo);
+
+    int update(AgentGuaranteeInsuranceVO vo);
+
+    int delete(@Param("guaranteeId") Long guaranteeId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/AgentReserveFundMapper.java

@@ -0,0 +1,41 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.AgentReserveFundResp;
+import com.ga.core.vo.commission.AgentReserveFundSearchParam;
+import com.ga.core.vo.commission.AgentReserveFundVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.util.List;
+
+/**
+ * agent_reserve_fund Mapper.
+ * 적립금: 설계사별 월별 적립금 잔액 관리.
+ * balance = 전월잔액 + reserve_in - reserve_out (Service 계산).
+ */
+@Mapper
+public interface AgentReserveFundMapper {
+
+    AgentReserveFundResp selectById(@Param("reserveId") Long reserveId);
+
+    List<AgentReserveFundResp> selectList(AgentReserveFundSearchParam param);
+
+    /**
+     * 설계사 + 정산월 단건 조회 — 중복 방지 및 해당 월 잔액 확인용.
+     */
+    AgentReserveFundVO selectByAgentAndMonth(@Param("agentId") Long agentId,
+                                             @Param("settleMonth") String settleMonth);
+
+    /**
+     * 설계사의 지정월 이전 최신(직전월) 레코드 1건 — 잔액 누적 계산용.
+     * settleMonth 미만인 데이터 중 settle_month DESC LIMIT 1.
+     */
+    AgentReserveFundVO selectLatestBefore(@Param("agentId") Long agentId,
+                                          @Param("settleMonth") String settleMonth);
+
+    int insert(AgentReserveFundVO vo);
+
+    int update(AgentReserveFundVO vo);
+
+    int delete(@Param("reserveId") Long reserveId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/AwardLedgerMapper.java

@@ -0,0 +1,35 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.AwardLedgerResp;
+import com.ga.core.vo.commission.AwardLedgerSearchParam;
+import com.ga.core.vo.commission.AwardLedgerVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * award_ledger Mapper — 시상 원장 (V92)
+ */
+@Mapper
+public interface AwardLedgerMapper {
+
+    AwardLedgerResp selectById(@Param("ledgerId") Long ledgerId);
+
+    List<AwardLedgerResp> selectList(AwardLedgerSearchParam param);
+
+    /** 설계사 + 정산월 시상금 합계 */
+    BigDecimal sumAwardByAgentAndMonth(@Param("agentId") Long agentId,
+                                      @Param("settleMonth") String settleMonth);
+
+    /** 정산월 기준 설계사별 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
+
+    int insert(AwardLedgerVO vo);
+
+    int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
+
+    int delete(@Param("ledgerId") Long ledgerId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/AwardRuleMapper.java

@@ -0,0 +1,34 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.AwardRuleResp;
+import com.ga.core.vo.commission.AwardRuleSearchParam;
+import com.ga.core.vo.commission.AwardRuleVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.time.LocalDate;
+import java.util.List;
+
+/**
+ * award_rule Mapper — 시상 룰 마스터 (V92)
+ */
+@Mapper
+public interface AwardRuleMapper {
+
+    AwardRuleResp selectById(@Param("ruleId") Long ruleId);
+
+    List<AwardRuleResp> selectList(AwardRuleSearchParam param);
+
+    /**
+     * 시상 유형 + 기준일 유효 룰 1건 조회.
+     * 시상 계산 Service에서 호출.
+     */
+    AwardRuleVO selectActiveRule(@Param("awardType") String awardType,
+                                @Param("baseDate") LocalDate baseDate);
+
+    int insert(AwardRuleVO vo);
+
+    int update(AwardRuleVO vo);
+
+    int delete(@Param("ruleId") Long ruleId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/BranchMgrAllowanceLedgerMapper.java

@@ -0,0 +1,35 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.BranchMgrAllowanceLedgerResp;
+import com.ga.core.vo.commission.BranchMgrAllowanceLedgerSearchParam;
+import com.ga.core.vo.commission.BranchMgrAllowanceLedgerVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * branch_mgr_allowance_ledger Mapper — 지점장수당 원장 (V94)
+ */
+@Mapper
+public interface BranchMgrAllowanceLedgerMapper {
+
+    BranchMgrAllowanceLedgerResp selectById(@Param("ledgerId") Long ledgerId);
+
+    List<BranchMgrAllowanceLedgerResp> selectList(BranchMgrAllowanceLedgerSearchParam param);
+
+    /** 지점장 + 정산월 수당 합계 */
+    BigDecimal sumAllowanceByManagerAndMonth(@Param("managerAgentId") Long managerAgentId,
+                                            @Param("settleMonth") String settleMonth);
+
+    /** 정산월 기준 지점장별 순수당 합계(allowance_amount - COALESCE(clawback_amount,0)) — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
+
+    int insert(BranchMgrAllowanceLedgerVO vo);
+
+    int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
+
+    int delete(@Param("ledgerId") Long ledgerId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/BranchMgrAllowanceRuleMapper.java

@@ -0,0 +1,34 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.BranchMgrAllowanceRuleResp;
+import com.ga.core.vo.commission.BranchMgrAllowanceRuleSearchParam;
+import com.ga.core.vo.commission.BranchMgrAllowanceRuleVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.time.LocalDate;
+import java.util.List;
+
+/**
+ * branch_mgr_allowance_rule Mapper — 지점장수당 룰 (V94)
+ */
+@Mapper
+public interface BranchMgrAllowanceRuleMapper {
+
+    BranchMgrAllowanceRuleResp selectById(@Param("ruleId") Long ruleId);
+
+    List<BranchMgrAllowanceRuleResp> selectList(BranchMgrAllowanceRuleSearchParam param);
+
+    /**
+     * 직책코드 + 기준일 유효 룰 1건 조회.
+     * 지점장수당 계산 Service에서 호출.
+     */
+    BranchMgrAllowanceRuleVO selectActiveRule(@Param("positionCode") String positionCode,
+                                             @Param("baseDate") LocalDate baseDate);
+
+    int insert(BranchMgrAllowanceRuleVO vo);
+
+    int update(BranchMgrAllowanceRuleVO vo);
+
+    int delete(@Param("ruleId") Long ruleId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/CollectionCommissionLedgerMapper.java

@@ -8,6 +8,7 @@ import org.apache.ibatis.annotations.Param;
 
 import java.math.BigDecimal;
 import java.util.List;
+import java.util.Map;
 
 /**
  * collection_commission_ledger Mapper.
@@ -23,6 +24,9 @@ public interface CollectionCommissionLedgerMapper {
     BigDecimal sumByAgentAndMonth(@Param("agentId") Long agentId,
                                   @Param("settleMonth") String settleMonth);
 
+    /** 정산월 기준 설계사별 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
+
     int insert(CollectionCommissionLedgerVO vo);
 
     int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);

ga-core/src/main/java/com/ga/core/mapper/commission/CommissionSimulationMapper.java

@@ -0,0 +1,25 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.CommissionSimulationResp;
+import com.ga.core.vo.commission.CommissionSimulationSearchParam;
+import com.ga.core.vo.commission.CommissionSimulationVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.util.List;
+
+/**
+ * commission_simulation Mapper.
+ * 수수료 시뮬레이터: 시나리오별 산출 결과 저장/조회.
+ */
+@Mapper
+public interface CommissionSimulationMapper {
+
+    CommissionSimulationResp selectById(@Param("simId") Long simId);
+
+    List<CommissionSimulationResp> selectList(CommissionSimulationSearchParam param);
+
+    int insert(CommissionSimulationVO vo);
+
+    int delete(@Param("simId") Long simId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/GradeEvalRuleMapper.java

@@ -0,0 +1,36 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.GradeEvalRuleResp;
+import com.ga.core.vo.commission.GradeEvalRuleSearchParam;
+import com.ga.core.vo.commission.GradeEvalRuleVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.List;
+
+/**
+ * grade_eval_rule Mapper.
+ * 등급평가 룰: 점수 구간별 등급 매핑 마스터.
+ */
+@Mapper
+public interface GradeEvalRuleMapper {
+
+    GradeEvalRuleResp selectById(@Param("ruleId") Long ruleId);
+
+    List<GradeEvalRuleResp> selectList(GradeEvalRuleSearchParam param);
+
+    /**
+     * 점수 이상인 최대 min_score 룰 1건 조회 — 등급 산정 Service 용도.
+     * 기준일(baseDate) 기준 유효한 룰 중 score 이상이고 min_score 가 최대인 1건 반환.
+     */
+    GradeEvalRuleVO selectActiveRuleByScore(@Param("score") BigDecimal score,
+                                            @Param("baseDate") LocalDate baseDate);
+
+    int insert(GradeEvalRuleVO vo);
+
+    int update(GradeEvalRuleVO vo);
+
+    int delete(@Param("ruleId") Long ruleId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/HqSettleItemMapper.java

@@ -0,0 +1,35 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.HqSettleItemResp;
+import com.ga.core.vo.commission.HqSettleItemSearchParam;
+import com.ga.core.vo.commission.HqSettleItemVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+
+/**
+ * hq_settle_item Mapper.
+ * 본사정산: GA 자체 수입/비용 항목. 손익 = Σ(INCOME) − Σ(EXPENSE).
+ */
+@Mapper
+public interface HqSettleItemMapper {
+
+    HqSettleItemResp selectById(@Param("itemId") Long itemId);
+
+    List<HqSettleItemResp> selectList(HqSettleItemSearchParam param);
+
+    /**
+     * 정산월 + 항목유형별 금액 합계 — 본사손익 집계용.
+     * itemType = INCOME or EXPENSE
+     */
+    BigDecimal sumByMonthAndType(@Param("settleMonth") String settleMonth,
+                                 @Param("itemType") String itemType);
+
+    int insert(HqSettleItemVO vo);
+
+    int update(HqSettleItemVO vo);
+
+    int delete(@Param("itemId") Long itemId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/IncomeCommissionLedgerMapper.java

@@ -0,0 +1,31 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.IncomeCommissionLedgerResp;
+import com.ga.core.vo.commission.IncomeCommissionLedgerSearchParam;
+import com.ga.core.vo.commission.IncomeCommissionLedgerVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+
+/**
+ * income_commission_ledger Mapper — 수입수수료 원장 (V88)
+ */
+@Mapper
+public interface IncomeCommissionLedgerMapper {
+
+    IncomeCommissionLedgerResp selectById(@Param("incomeId") Long incomeId);
+
+    List<IncomeCommissionLedgerResp> selectList(IncomeCommissionLedgerSearchParam param);
+
+    /** 보험사 + 정산월 수입수수료 합계 — margin_summary recalc 배치 용도 */
+    BigDecimal sumByCarrierAndMonth(@Param("carrierId") Long carrierId,
+                                   @Param("settleMonth") String settleMonth);
+
+    int insert(IncomeCommissionLedgerVO vo);
+
+    int updateStatus(@Param("incomeId") Long incomeId, @Param("status") String status);
+
+    int delete(@Param("incomeId") Long incomeId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/JointContractMapper.java

@@ -0,0 +1,38 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.JointContractResp;
+import com.ga.core.vo.commission.JointContractSearchParam;
+import com.ga.core.vo.commission.JointContractVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+
+/**
+ * joint_contract Mapper.
+ * 공동계약: 복수 설계사의 계약별 지분율 관리.
+ */
+@Mapper
+public interface JointContractMapper {
+
+    JointContractResp selectById(@Param("jointId") Long jointId);
+
+    List<JointContractResp> selectList(JointContractSearchParam param);
+
+    /**
+     * 계약별 공동설계사 목록 조회 — 지분율 확인용.
+     */
+    List<JointContractResp> selectByContract(@Param("contractId") Long contractId);
+
+    /**
+     * 계약별 지분율 합산 — 합=1 검증(Service 가드) 용도.
+     */
+    BigDecimal sumShareByContract(@Param("contractId") Long contractId);
+
+    int insert(JointContractVO vo);
+
+    int update(JointContractVO vo);
+
+    int delete(@Param("jointId") Long jointId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/LifeSupportLedgerMapper.java

@@ -0,0 +1,35 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.LifeSupportLedgerResp;
+import com.ga.core.vo.commission.LifeSupportLedgerSearchParam;
+import com.ga.core.vo.commission.LifeSupportLedgerVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * life_support_ledger Mapper — 생보운영지원수수료 원장 (V93)
+ */
+@Mapper
+public interface LifeSupportLedgerMapper {
+
+    LifeSupportLedgerResp selectById(@Param("ledgerId") Long ledgerId);
+
+    List<LifeSupportLedgerResp> selectList(LifeSupportLedgerSearchParam param);
+
+    /** 설계사 + 정산월 실지급액 합계 */
+    BigDecimal sumNetByAgentAndMonth(@Param("agentId") Long agentId,
+                                    @Param("settleMonth") String settleMonth);
+
+    /** 정산월 기준 설계사별 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
+
+    int insert(LifeSupportLedgerVO vo);
+
+    int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
+
+    int delete(@Param("ledgerId") Long ledgerId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/LifeSupportRuleMapper.java

@@ -0,0 +1,34 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.LifeSupportRuleResp;
+import com.ga.core.vo.commission.LifeSupportRuleSearchParam;
+import com.ga.core.vo.commission.LifeSupportRuleVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.time.LocalDate;
+import java.util.List;
+
+/**
+ * life_support_rule Mapper — 생보운영지원수수료 룰 (V93)
+ */
+@Mapper
+public interface LifeSupportRuleMapper {
+
+    LifeSupportRuleResp selectById(@Param("ruleId") Long ruleId);
+
+    List<LifeSupportRuleResp> selectList(LifeSupportRuleSearchParam param);
+
+    /**
+     * 설계사 등급 + 기준일 유효 룰 1건 조회.
+     * 생보운영지원수수료 계산 Service에서 호출.
+     */
+    LifeSupportRuleVO selectActiveRule(@Param("agentGrade") String agentGrade,
+                                     @Param("baseDate") LocalDate baseDate);
+
+    int insert(LifeSupportRuleVO vo);
+
+    int update(LifeSupportRuleVO vo);
+
+    int delete(@Param("ruleId") Long ruleId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/MarginSummaryMapper.java

@@ -0,0 +1,41 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.MarginSummaryResp;
+import com.ga.core.vo.commission.MarginSummarySearchParam;
+import com.ga.core.vo.commission.MarginSummaryVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+
+/**
+ * margin_summary Mapper — 수지차 집계 (V88)
+ */
+@Mapper
+public interface MarginSummaryMapper {
+
+    MarginSummaryResp selectById(@Param("marginId") Long marginId);
+
+    List<MarginSummaryResp> selectList(MarginSummarySearchParam param);
+
+    /**
+     * 정산월 + 설계사(NULL=전체) 단위 수지차 1건 조회.
+     * recalc 시 UPSERT 전 존재 여부 확인용.
+     */
+    MarginSummaryVO selectByMonthAndAgent(@Param("settleMonth") String settleMonth,
+                                         @Param("agentId") Long agentId);
+
+    /** 정산월 전체 수입수수료 합 (income_commission_ledger, CANCELLED 제외). */
+    BigDecimal sumIncomeByMonth(@Param("settleMonth") String settleMonth);
+
+    /** 정산월 지급 합 (settle_master.net_amount). agentId NULL=전체. */
+    BigDecimal sumPayoutByMonth(@Param("settleMonth") String settleMonth,
+                                @Param("agentId") Long agentId);
+
+    int insert(MarginSummaryVO vo);
+
+    int update(MarginSummaryVO vo);
+
+    int delete(@Param("marginId") Long marginId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/PersistencyBonusMapper.java

@@ -7,6 +7,7 @@ import org.apache.ibatis.annotations.Mapper;
 import org.apache.ibatis.annotations.Param;
 
 import java.util.List;
+import java.util.Map;
 
 /**
  * persistency_bonus Mapper.
@@ -30,4 +31,7 @@ public interface PersistencyBonusMapper {
     int updateStatus(@Param("bonusId") Long bonusId, @Param("status") String status);
 
     int delete(@Param("bonusId") Long bonusId);
+
+    /** 정산월 기준 설계사별 유지보너스 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
 }

ga-core/src/main/java/com/ga/core/mapper/commission/ProductConversionRateMapper.java

@@ -0,0 +1,34 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.ProductConversionRateResp;
+import com.ga.core.vo.commission.ProductConversionRateSearchParam;
+import com.ga.core.vo.commission.ProductConversionRateVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.time.LocalDate;
+import java.util.List;
+
+/**
+ * product_conversion_rate Mapper — 상품별 환산율 마스터 (V91)
+ */
+@Mapper
+public interface ProductConversionRateMapper {
+
+    ProductConversionRateResp selectById(@Param("rateId") Long rateId);
+
+    List<ProductConversionRateResp> selectList(ProductConversionRateSearchParam param);
+
+    /**
+     * 상품 + 기준일 유효 환산율 1건 조회.
+     * 인정실적 계산 Service에서 호출.
+     */
+    ProductConversionRateVO selectActiveRate(@Param("productId") Long productId,
+                                            @Param("baseDate") LocalDate baseDate);
+
+    int insert(ProductConversionRateVO vo);
+
+    int update(ProductConversionRateVO vo);
+
+    int delete(@Param("rateId") Long rateId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/RecognizedPerformanceLedgerMapper.java

@@ -0,0 +1,31 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.RecognizedPerformanceLedgerResp;
+import com.ga.core.vo.commission.RecognizedPerformanceLedgerSearchParam;
+import com.ga.core.vo.commission.RecognizedPerformanceLedgerVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+
+/**
+ * recognized_performance_ledger Mapper — 인정실적 원장 (V91)
+ */
+@Mapper
+public interface RecognizedPerformanceLedgerMapper {
+
+    RecognizedPerformanceLedgerResp selectById(@Param("ledgerId") Long ledgerId);
+
+    List<RecognizedPerformanceLedgerResp> selectList(RecognizedPerformanceLedgerSearchParam param);
+
+    /** 설계사 + 정산월 인정실적 합계 — 시상 기준 실적 산출 용도 */
+    BigDecimal sumRecognizedByAgentAndMonth(@Param("agentId") Long agentId,
+                                           @Param("settleMonth") String settleMonth);
+
+    int insert(RecognizedPerformanceLedgerVO vo);
+
+    int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
+
+    int delete(@Param("ledgerId") Long ledgerId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/ReferralCommissionLedgerMapper.java

@@ -0,0 +1,35 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.ReferralCommissionLedgerResp;
+import com.ga.core.vo.commission.ReferralCommissionLedgerSearchParam;
+import com.ga.core.vo.commission.ReferralCommissionLedgerVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * referral_commission_ledger Mapper — 소개·이관수수료 원장 (V89)
+ */
+@Mapper
+public interface ReferralCommissionLedgerMapper {
+
+    ReferralCommissionLedgerResp selectById(@Param("ledgerId") Long ledgerId);
+
+    List<ReferralCommissionLedgerResp> selectList(ReferralCommissionLedgerSearchParam param);
+
+    /** 설계사 + 정산월 소개·이관수수료 합계 — commission_master 집계 배치 용도 */
+    BigDecimal sumByAgentAndMonth(@Param("referrerAgentId") Long referrerAgentId,
+                                 @Param("settleMonth") String settleMonth);
+
+    /** 정산월 기준 설계사별 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
+
+    int insert(ReferralCommissionLedgerVO vo);
+
+    int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
+
+    int delete(@Param("ledgerId") Long ledgerId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/ReferralCommissionRuleMapper.java

@@ -0,0 +1,34 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.ReferralCommissionRuleResp;
+import com.ga.core.vo.commission.ReferralCommissionRuleSearchParam;
+import com.ga.core.vo.commission.ReferralCommissionRuleVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.time.LocalDate;
+import java.util.List;
+
+/**
+ * referral_commission_rule Mapper — 소개·이관수수료 룰 (V89)
+ */
+@Mapper
+public interface ReferralCommissionRuleMapper {
+
+    ReferralCommissionRuleResp selectById(@Param("ruleId") Long ruleId);
+
+    List<ReferralCommissionRuleResp> selectList(ReferralCommissionRuleSearchParam param);
+
+    /**
+     * 유형 + 기준일 기준 유효 룰 1건 조회.
+     * 수수료 계산 Service에서 호출.
+     */
+    ReferralCommissionRuleVO selectActiveRule(@Param("referralType") String referralType,
+                                             @Param("baseDate") LocalDate baseDate);
+
+    int insert(ReferralCommissionRuleVO vo);
+
+    int update(ReferralCommissionRuleVO vo);
+
+    int delete(@Param("ruleId") Long ruleId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/ReinstatementCommissionLedgerMapper.java

@@ -8,6 +8,7 @@ import org.apache.ibatis.annotations.Param;
 
 import java.math.BigDecimal;
 import java.util.List;
+import java.util.Map;
 
 @Mapper
 public interface ReinstatementCommissionLedgerMapper {
@@ -15,6 +16,9 @@ public interface ReinstatementCommissionLedgerMapper {
     List<ReinstatementCommissionLedgerResp> selectList(ReinstatementCommissionLedgerSearchParam param);
     BigDecimal sumByAgentAndMonth(@Param("agentId") Long agentId,
                                   @Param("settleMonth") String settleMonth);
+
+    /** 정산월 기준 설계사별 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
     int insert(ReinstatementCommissionLedgerVO vo);
     int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
     int delete(@Param("ledgerId") Long ledgerId);

ga-core/src/main/java/com/ga/core/mapper/commission/RenewalCommissionLedgerMapper.java

@@ -8,6 +8,7 @@ import org.apache.ibatis.annotations.Param;
 
 import java.math.BigDecimal;
 import java.util.List;
+import java.util.Map;
 
 @Mapper
 public interface RenewalCommissionLedgerMapper {
@@ -15,6 +16,9 @@ public interface RenewalCommissionLedgerMapper {
     List<RenewalCommissionLedgerResp> selectList(RenewalCommissionLedgerSearchParam param);
     BigDecimal sumByAgentAndMonth(@Param("agentId") Long agentId,
                                   @Param("settleMonth") String settleMonth);
+
+    /** 정산월 기준 설계사별 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
     int insert(RenewalCommissionLedgerVO vo);
     int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
     int delete(@Param("ledgerId") Long ledgerId);

ga-core/src/main/java/com/ga/core/mapper/commission/SettlingSupportLedgerMapper.java

@@ -0,0 +1,35 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.SettlingSupportLedgerResp;
+import com.ga.core.vo.commission.SettlingSupportLedgerSearchParam;
+import com.ga.core.vo.commission.SettlingSupportLedgerVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.math.BigDecimal;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * settling_support_ledger Mapper — 정착지원금 원장 (V90)
+ */
+@Mapper
+public interface SettlingSupportLedgerMapper {
+
+    SettlingSupportLedgerResp selectById(@Param("ledgerId") Long ledgerId);
+
+    List<SettlingSupportLedgerResp> selectList(SettlingSupportLedgerSearchParam param);
+
+    /** 설계사 + 정산월 실지급액 합계 */
+    BigDecimal sumNetByAgentAndMonth(@Param("agentId") Long agentId,
+                                    @Param("settleMonth") String settleMonth);
+
+    /** 정산월 기준 설계사별 합계 — settle_master 집계 배치 용도 */
+    List<Map<String, Object>> aggregateByAgent(@Param("settleMonth") String settleMonth);
+
+    int insert(SettlingSupportLedgerVO vo);
+
+    int updateStatus(@Param("ledgerId") Long ledgerId, @Param("status") String status);
+
+    int delete(@Param("ledgerId") Long ledgerId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/SettlingSupportRuleMapper.java

@@ -0,0 +1,34 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.SettlingSupportRuleResp;
+import com.ga.core.vo.commission.SettlingSupportRuleSearchParam;
+import com.ga.core.vo.commission.SettlingSupportRuleVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.time.LocalDate;
+import java.util.List;
+
+/**
+ * settling_support_rule Mapper — 정착지원금 룰 (V90)
+ */
+@Mapper
+public interface SettlingSupportRuleMapper {
+
+    SettlingSupportRuleResp selectById(@Param("ruleId") Long ruleId);
+
+    List<SettlingSupportRuleResp> selectList(SettlingSupportRuleSearchParam param);
+
+    /**
+     * 설계사 등급 + 기준일 유효 룰 1건 조회.
+     * 정착지원금 계산 Service에서 호출.
+     */
+    SettlingSupportRuleVO selectActiveRule(@Param("agentGrade") String agentGrade,
+                                         @Param("baseDate") LocalDate baseDate);
+
+    int insert(SettlingSupportRuleVO vo);
+
+    int update(SettlingSupportRuleVO vo);
+
+    int delete(@Param("ruleId") Long ruleId);
+}

ga-core/src/main/java/com/ga/core/mapper/commission/StepCloseMapper.java

@@ -0,0 +1,36 @@
+package com.ga.core.mapper.commission;
+
+import com.ga.core.vo.commission.StepCloseResp;
+import com.ga.core.vo.commission.StepCloseSearchParam;
+import com.ga.core.vo.commission.StepCloseVO;
+import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
+
+import java.util.List;
+
+/**
+ * settlement_step_close Mapper.
+ * 단계마감: 월별 정산 단계(수신→계산→검증→지급)의 OPEN/CLOSED 상태 관리.
+ */
+@Mapper
+public interface StepCloseMapper {
+
+    StepCloseResp selectById(@Param("stepCloseId") Long stepCloseId);
+
+    List<StepCloseResp> selectList(StepCloseSearchParam param);
+
+    /** 정산월 전체 단계 목록 (step_seq 순) */
+    List<StepCloseResp> selectBySettleMonth(@Param("settleMonth") String settleMonth);
+
+    int insert(StepCloseVO vo);
+
+    /**
+     * 단계 상태 변경 (close: CLOSED, reopen: OPEN).
+     * closedAt/closedBy 는 SQL에서 NOW()/userId 처리.
+     */
+    int updateStatus(@Param("stepCloseId") Long stepCloseId,
+                     @Param("status") String status,
+                     @Param("closedBy") Long closedBy);
+
+    int delete(@Param("stepCloseId") Long stepCloseId);
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGradeEvaluationResp.java

@@ -0,0 +1,26 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * agent_grade_evaluation 조회 응답 — 설계사명/등급명 조인 포함.
+ */
+@Data
+public class AgentGradeEvaluationResp {
+    private Long evalId;
+    private Long agentId;
+    private String agentName;
+    private String orgName;
+    private String evalPeriod;
+    private BigDecimal performanceScore;
+    private Long prevGradeId;
+    private String prevGradeName;
+    private Long evaluatedGradeId;
+    private String evaluatedGradeName;
+    private String status;
+    private String statusName;
+    private LocalDateTime createdAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGradeEvaluationSaveReq.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * agent_grade_evaluation 저장 요청.
+ * evaluatedGradeId/status 는 Service(등급산정 로직)가 결정.
+ */
+@Data
+public class AgentGradeEvaluationSaveReq {
+
+    @NotNull
+    private Long agentId;
+
+    @NotBlank
+    private String evalPeriod;
+
+    @NotNull
+    @Positive
+    private BigDecimal performanceScore;
+
+    /** 기존 등급 — 선택값 */
+    private Long prevGradeId;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGradeEvaluationSearchParam.java

@@ -0,0 +1,16 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * agent_grade_evaluation 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class AgentGradeEvaluationSearchParam extends SearchParam {
+    private Long agentId;
+    private String agentName;
+    private String evalPeriod;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGradeEvaluationVO.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * agent_grade_evaluation — 설계사 등급평가 원장 (V99)
+ * 월별 실적점수 기반 등급 산정 결과.
+ * 공식: evaluated_grade = score 이상인 최대 min_score 룰의 grade (Service 결정).
+ */
+@Data
+public class AgentGradeEvaluationVO {
+    private Long evalId;
+    /** 대상 설계사 FK */
+    private Long agentId;
+    /** 평가 기준월 (YYYYMM) */
+    private String evalPeriod;
+    /** 실적 점수 */
+    private BigDecimal performanceScore;
+    /** 기존(직전) 등급 FK */
+    private Long prevGradeId;
+    /** 산정 등급 FK */
+    private Long evaluatedGradeId;
+    /** EVALUATED=평가완료/APPLIED=반영완료 */
+    private String status;
+    private LocalDateTime createdAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGuaranteeInsuranceResp.java

@@ -0,0 +1,28 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * agent_guarantee_insurance 조회 응답 — 설계사명/보험사명 조인 포함.
+ */
+@Data
+public class AgentGuaranteeInsuranceResp {
+    private Long guaranteeId;
+    private Long agentId;
+    private String agentName;
+    private String orgName;
+    private String policyNo;
+    private Long carrierId;
+    private String carrierName;
+    private BigDecimal guaranteeAmount;
+    private LocalDate startDate;
+    private LocalDate endDate;
+    private String status;
+    private String statusName;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGuaranteeInsuranceSaveReq.java

@@ -0,0 +1,36 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * agent_guarantee_insurance 저장 요청.
+ * status/createdAt/updatedAt 는 서버 결정.
+ */
+@Data
+public class AgentGuaranteeInsuranceSaveReq {
+
+    @NotNull
+    private Long agentId;
+
+    @NotBlank
+    private String policyNo;
+
+    /** 보증보험사 — 선택 */
+    private Long carrierId;
+
+    @NotNull
+    @Positive
+    private BigDecimal guaranteeAmount;
+
+    @NotNull
+    private LocalDate startDate;
+
+    @NotNull
+    private LocalDate endDate;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGuaranteeInsuranceSearchParam.java

@@ -0,0 +1,16 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * agent_guarantee_insurance 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class AgentGuaranteeInsuranceSearchParam extends SearchParam {
+    private Long agentId;
+    private String agentName;
+    private Long carrierId;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentGuaranteeInsuranceVO.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * agent_guarantee_insurance — 보증보험 (V101)
+ * 설계사 신원보증보험 가입현황 추적(관리 목적, 공식 없음).
+ */
+@Data
+public class AgentGuaranteeInsuranceVO {
+    private Long guaranteeId;
+    /** 설계사 FK */
+    private Long agentId;
+    /** 증권번호 */
+    private String policyNo;
+    /** 보증보험사 FK (insurance_company.company_id) */
+    private Long carrierId;
+    private BigDecimal guaranteeAmount;
+    private LocalDate startDate;
+    private LocalDate endDate;
+    /** ACTIVE=유효/EXPIRED=만료/CANCELLED=해지 */
+    private String status;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentReserveFundResp.java

@@ -0,0 +1,22 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * agent_reserve_fund 조회 응답 — 설계사명 조인 포함.
+ */
+@Data
+public class AgentReserveFundResp {
+    private Long reserveId;
+    private Long agentId;
+    private String agentName;
+    private String orgName;
+    private String settleMonth;
+    private BigDecimal reserveIn;
+    private BigDecimal reserveOut;
+    private BigDecimal balance;
+    private LocalDateTime createdAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentReserveFundSaveReq.java

@@ -0,0 +1,30 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * agent_reserve_fund 저장 요청.
+ * balance 는 Service가 직전월 잔액 조회 후 계산하여 채워 넣음.
+ */
+@Data
+public class AgentReserveFundSaveReq {
+
+    @NotNull
+    private Long agentId;
+
+    @NotBlank
+    private String settleMonth;
+
+    @NotNull
+    @DecimalMin("0")
+    private BigDecimal reserveIn;
+
+    @NotNull
+    @DecimalMin("0")
+    private BigDecimal reserveOut;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentReserveFundSearchParam.java

@@ -0,0 +1,16 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * agent_reserve_fund 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class AgentReserveFundSearchParam extends SearchParam {
+    private Long agentId;
+    private String agentName;
+    private String settleMonth;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AgentReserveFundVO.java

@@ -0,0 +1,27 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * agent_reserve_fund — 적립금 (V102)
+ * 환수 대비 설계사별 월별 적립금 잔액.
+ * balance = (직전월 balance) + reserve_in - reserve_out (Service 계산).
+ */
+@Data
+public class AgentReserveFundVO {
+    private Long reserveId;
+    /** 설계사 FK */
+    private Long agentId;
+    /** 정산 귀속월 (YYYYMM) */
+    private String settleMonth;
+    /** 당월 적립액 */
+    private BigDecimal reserveIn;
+    /** 당월 인출/사용액 */
+    private BigDecimal reserveOut;
+    /** 잔액 = 전월잔액 + reserve_in - reserve_out */
+    private BigDecimal balance;
+    private LocalDateTime createdAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardLedgerResp.java

@@ -0,0 +1,27 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * award_ledger 조회 응답 — 설계사명·공통코드명 조인 포함.
+ */
+@Data
+public class AwardLedgerResp {
+    private Long ledgerId;
+    private Long agentId;
+    /** agent.agent_name */
+    private String agentName;
+    /** organization.org_name */
+    private String orgName;
+    private String settleMonth;
+    private String awardType;
+    /** 공통코드 AWARD_TYPE */
+    private String awardTypeName;
+    private BigDecimal baseAmount;
+    private BigDecimal awardAmount;
+    private String status;
+    /** 공통코드 INCOME_STATUS */
+    private String statusName;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardLedgerSaveReq.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * award_ledger 등록 요청.
+ * award_amount 는 Service가 계산 후 VO에 set.
+ */
+@Data
+public class AwardLedgerSaveReq {
+
+    @NotNull
+    private Long agentId;
+
+    @NotBlank
+    private String settleMonth;
+
+    @NotBlank
+    private String awardType;
+
+    @NotNull
+    @Positive
+    private BigDecimal baseAmount;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardLedgerSearchParam.java

@@ -0,0 +1,18 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * award_ledger 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class AwardLedgerSearchParam extends SearchParam {
+    private Long agentId;
+    private String agentName;
+    private String settleMonth;
+    private String awardType;
+    private String status;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardLedgerVO.java

@@ -0,0 +1,28 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * award_ledger — 시상 원장 (V92)
+ * award_amount = base_amount × award_rate (RATE) or award_fixed (FIXED)
+ */
+@Data
+public class AwardLedgerVO {
+    private Long ledgerId;
+    private Long agentId;
+    /** 정산 귀속월 (YYYYMM) */
+    private String settleMonth;
+    /** AwardType: NEW_RECRUIT / CORPORATE / RETENTION / PERFORMANCE */
+    private String awardType;
+    /** 기준 실적 */
+    private BigDecimal baseAmount;
+    /** 시상금 */
+    private BigDecimal awardAmount;
+    /** CALCULATED / CONFIRMED / PAID / CANCELLED */
+    private String status;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardRuleResp.java

@@ -0,0 +1,25 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * award_rule 조회 응답 — 공통코드명 조인 포함.
+ */
+@Data
+public class AwardRuleResp {
+    private Long ruleId;
+    private String awardType;
+    /** 공통코드 AWARD_TYPE */
+    private String awardTypeName;
+    private String calcType;
+    /** 공통코드 CALC_TYPE */
+    private String calcTypeName;
+    private BigDecimal thresholdAmount;
+    private BigDecimal awardRate;
+    private BigDecimal awardFixed;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardRuleSaveReq.java

@@ -0,0 +1,38 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * award_rule 등록/수정 요청.
+ */
+@Data
+public class AwardRuleSaveReq {
+
+    @NotBlank
+    private String awardType;
+
+    @NotBlank
+    private String calcType;
+
+    @DecimalMin("0")
+    private BigDecimal thresholdAmount;
+
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal awardRate;
+
+    @DecimalMin("0")
+    private BigDecimal awardFixed;
+
+    @NotNull
+    private LocalDate effectiveFrom;
+
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardRuleSearchParam.java

@@ -0,0 +1,15 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * award_rule 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class AwardRuleSearchParam extends SearchParam {
+    private String awardType;
+    private String calcType;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardRuleVO.java

@@ -0,0 +1,30 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * award_rule — 시상 룰 마스터 (V92)
+ */
+@Data
+public class AwardRuleVO {
+    private Long ruleId;
+    /** AwardType: NEW_RECRUIT / CORPORATE / RETENTION / PERFORMANCE */
+    private String awardType;
+    /** CalcType: RATE / FIXED */
+    private String calcType;
+    /** 충족 기준 실적 (NULL=조건 없음) */
+    private BigDecimal thresholdAmount;
+    /** 정률 시상율 (소수, calc_type=RATE 일 때 사용) */
+    private BigDecimal awardRate;
+    /** 정액 시상금 (calc_type=FIXED 일 때 사용) */
+    private BigDecimal awardFixed;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/AwardType.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import com.fasterxml.jackson.annotation.JsonValue;
+
+/**
+ * 시상 유형 코드 (AWARD_TYPE 그룹, V96)
+ * award_rule.award_type, award_ledger.award_type 에서 사용.
+ */
+public enum AwardType {
+    NEW_RECRUIT("신인도입"),
+    CORPORATE("법인"),
+    RETENTION("유지율"),
+    PERFORMANCE("실적");
+
+    private final String label;
+
+    AwardType(String label) {
+        this.label = label;
+    }
+
+    @JsonValue
+    public String getCode() {
+        return this.name();
+    }
+
+    public String getLabel() {
+        return label;
+    }
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceLedgerResp.java

@@ -0,0 +1,27 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * branch_mgr_allowance_ledger 조회 응답 — 지점장명·조직명·공통코드명 조인 포함.
+ */
+@Data
+public class BranchMgrAllowanceLedgerResp {
+    private Long ledgerId;
+    private Long managerAgentId;
+    /** agent.agent_name (지점장) */
+    private String managerAgentName;
+    private Long orgId;
+    /** organization.org_name */
+    private String orgName;
+    private String settleMonth;
+    private BigDecimal baseAmount;
+    private BigDecimal allowanceRate;
+    private BigDecimal allowanceAmount;
+    private BigDecimal clawbackAmount;
+    private String status;
+    /** 공통코드 SUPPORT_STATUS */
+    private String statusName;
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceLedgerSaveReq.java

@@ -0,0 +1,39 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * branch_mgr_allowance_ledger 등록 요청.
+ * allowance_amount 는 Service가 계산(LEAST 적용) 후 VO에 set.
+ */
+@Data
+public class BranchMgrAllowanceLedgerSaveReq {
+
+    @NotNull
+    private Long managerAgentId;
+
+    @NotNull
+    private Long orgId;
+
+    @NotBlank
+    private String settleMonth;
+
+    @NotNull
+    @Positive
+    private BigDecimal baseAmount;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal allowanceRate;
+
+    @DecimalMin("0")
+    private BigDecimal clawbackAmount;
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceLedgerSearchParam.java

@@ -0,0 +1,18 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * branch_mgr_allowance_ledger 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class BranchMgrAllowanceLedgerSearchParam extends SearchParam {
+    private Long managerAgentId;
+    private String managerAgentName;
+    private Long orgId;
+    private String settleMonth;
+    private String status;
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceLedgerVO.java

@@ -0,0 +1,33 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * branch_mgr_allowance_ledger — 지점장수당 원장 (V94)
+ * allowance_amount = LEAST(base_amount × allowance_rate, cap_amount)
+ */
+@Data
+public class BranchMgrAllowanceLedgerVO {
+    private Long ledgerId;
+    /** 지점장 설계사 FK */
+    private Long managerAgentId;
+    /** 대상 조직 FK */
+    private Long orgId;
+    /** 정산 귀속월 (YYYYMM) */
+    private String settleMonth;
+    /** 조직 실적 기준금액 */
+    private BigDecimal baseAmount;
+    /** 적용 수당율 (branch_mgr_allowance_rule 스냅샷) */
+    private BigDecimal allowanceRate;
+    /** 수당액 = LEAST(base_amount × allowance_rate, cap_amount) */
+    private BigDecimal allowanceAmount;
+    /** 환수액 */
+    private BigDecimal clawbackAmount;
+    /** CALCULATED / CONFIRMED / PAID / CLAWED_BACK / CANCELLED */
+    private String status;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceRuleResp.java

@@ -0,0 +1,21 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * branch_mgr_allowance_rule 조회 응답 — 직책명 공통코드 조인 포함.
+ */
+@Data
+public class BranchMgrAllowanceRuleResp {
+    private Long ruleId;
+    private String positionCode;
+    /** 공통코드 POSITION_CODE */
+    private String positionCodeName;
+    private BigDecimal allowanceRate;
+    private BigDecimal capAmount;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceRuleSaveReq.java

@@ -0,0 +1,34 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * branch_mgr_allowance_rule 등록/수정 요청.
+ */
+@Data
+public class BranchMgrAllowanceRuleSaveReq {
+
+    @NotBlank
+    private String positionCode;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal allowanceRate;
+
+    /** NULL=무제한 */
+    @DecimalMin("0")
+    private BigDecimal capAmount;
+
+    @NotNull
+    private LocalDate effectiveFrom;
+
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceRuleSearchParam.java

@@ -0,0 +1,14 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * branch_mgr_allowance_rule 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class BranchMgrAllowanceRuleSearchParam extends SearchParam {
+    private String positionCode;
+}

ga-core/src/main/java/com/ga/core/vo/commission/BranchMgrAllowanceRuleVO.java

@@ -0,0 +1,26 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * branch_mgr_allowance_rule — 지점장수당 룰 마스터 (V94)
+ */
+@Data
+public class BranchMgrAllowanceRuleVO {
+    private Long ruleId;
+    /** 직책 코드 (지점장 등) */
+    private String positionCode;
+    /** 수당율 (소수, 예: 0.02 = 2%) */
+    private BigDecimal allowanceRate;
+    /** 수당 상한금액 (NULL=무제한) */
+    private BigDecimal capAmount;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/CalcType.java

@@ -0,0 +1,27 @@
+package com.ga.core.vo.commission;
+
+import com.fasterxml.jackson.annotation.JsonValue;
+
+/**
+ * 계산방식 코드 (CALC_TYPE 그룹, V96)
+ * referral_commission_rule.calc_type, award_rule.calc_type 등에서 사용.
+ */
+public enum CalcType {
+    RATE("정률"),
+    FIXED("정액");
+
+    private final String label;
+
+    CalcType(String label) {
+        this.label = label;
+    }
+
+    @JsonValue
+    public String getCode() {
+        return this.name();
+    }
+
+    public String getLabel() {
+        return label;
+    }
+}

ga-core/src/main/java/com/ga/core/vo/commission/CommissionSimulationResp.java

@@ -0,0 +1,27 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * commission_simulation 조회 응답.
+ * 시뮬레이터는 조인 대상이 없으므로 VO와 거의 동일하되 응답 전용 클래스로 분리.
+ */
+@Data
+public class CommissionSimulationResp {
+    private Long simId;
+    private String simName;
+    private BigDecimal premiumAmount;
+    private BigDecimal companyRate;
+    private BigDecimal payoutRate;
+    private Integer commissionYear;
+    private BigDecimal companyPayment;
+    private BigDecimal agentCommission;
+    private BigDecimal withholdingTax;
+    private BigDecimal netAmount;
+    private BigDecimal expectedChargeback;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+}

ga-core/src/main/java/com/ga/core/vo/commission/CommissionSimulationSaveReq.java

@@ -0,0 +1,43 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * commission_simulation 저장 요청.
+ * 산출 결과 컬럼(companyPayment/agentCommission/withholdingTax/netAmount)은
+ * Service의 simulate() 메서드가 계산 후 VO에 채워 INSERT.
+ */
+@Data
+public class CommissionSimulationSaveReq {
+
+    @NotBlank
+    private String simName;
+
+    @NotNull
+    @Positive
+    private BigDecimal premiumAmount;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal companyRate;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal payoutRate;
+
+    @NotNull
+    @Positive
+    private Integer commissionYear;
+
+    /** 예상 환수액 — 선택 입력 */
+    private BigDecimal expectedChargeback;
+}

ga-core/src/main/java/com/ga/core/vo/commission/CommissionSimulationSearchParam.java

@@ -0,0 +1,15 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * commission_simulation 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class CommissionSimulationSearchParam extends SearchParam {
+    private String simName;
+    private Long createdBy;
+}

ga-core/src/main/java/com/ga/core/vo/commission/CommissionSimulationVO.java

@@ -0,0 +1,37 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * commission_simulation — 수수료 시뮬레이터 (V103)
+ * 시나리오별 수수료 산출 결과 저장.
+ * 공식:
+ *   company_payment  = premium_amount × company_rate
+ *   agent_commission = company_payment × payout_rate
+ *   withholding_tax  = agent_commission × 0.033 (3.3%, HALF_UP)
+ *   net_amount       = agent_commission - withholding_tax
+ */
+@Data
+public class CommissionSimulationVO {
+    private Long simId;
+    private String simName;
+    private BigDecimal premiumAmount;
+    private BigDecimal companyRate;
+    private BigDecimal payoutRate;
+    private Integer commissionYear;
+    /** 보험사 지급액 = 보험료 × company_rate */
+    private BigDecimal companyPayment;
+    /** 설계사 수수료 = 보험사지급액 × payout_rate */
+    private BigDecimal agentCommission;
+    /** 원천세 = 설계사수수료 × 3.3% */
+    private BigDecimal withholdingTax;
+    /** 실지급 = 설계사수수료 - 원천세 */
+    private BigDecimal netAmount;
+    /** 예상 환수액 (시나리오에 따라 선택) */
+    private BigDecimal expectedChargeback;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+}

ga-core/src/main/java/com/ga/core/vo/commission/CommissionType.java

@@ -15,7 +15,15 @@ public enum CommissionType {
     REINSTATE("부활수수료"),
     PERSIST("유지보수수당"),
     INCENTIVE("시책수수료"),
-    ONBOARD("위촉수수료");
+    ONBOARD("위촉수수료"),
+    INCOME("수입수수료"),
+    REFERRAL("소개수수료"),
+    TRANSFER("이관수수료"),
+    SETTLING("정착지원금"),
+    RECOGNIZED("인정실적"),
+    AWARD("시상"),
+    LIFE_SUPPORT("생보운영지원수수료"),
+    BRANCH_ALLOWANCE("지점장수당");
 
     private final String label;
 

ga-core/src/main/java/com/ga/core/vo/commission/GradeEvalRuleResp.java

@@ -0,0 +1,21 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * grade_eval_rule 조회 응답 — 등급명 조인 포함.
+ */
+@Data
+public class GradeEvalRuleResp {
+    private Long ruleId;
+    private Long gradeId;
+    private String gradeName;
+    private BigDecimal minScore;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+    private LocalDateTime createdAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/GradeEvalRuleSaveReq.java

@@ -0,0 +1,25 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * grade_eval_rule 저장 요청.
+ */
+@Data
+public class GradeEvalRuleSaveReq {
+
+    @NotNull
+    private Long gradeId;
+
+    @NotNull
+    private BigDecimal minScore;
+
+    @NotNull
+    private LocalDate effectiveFrom;
+
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/GradeEvalRuleSearchParam.java

@@ -0,0 +1,16 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * grade_eval_rule 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class GradeEvalRuleSearchParam extends SearchParam {
+    private Long gradeId;
+    /** 적용 기준일 (이 날짜가 effective_from~effective_to 범위 안에 있는 룰만 조회) */
+    private String baseDate;
+}

ga-core/src/main/java/com/ga/core/vo/commission/GradeEvalRuleVO.java

@@ -0,0 +1,24 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * grade_eval_rule — 등급평가 룰 마스터 (V99)
+ * 점수 구간별 등급 매핑. min_score 이상이면 해당 grade 부여.
+ */
+@Data
+public class GradeEvalRuleVO {
+    private Long ruleId;
+    /** 부여 등급 FK (grade.grade_id) */
+    private Long gradeId;
+    /** 최소 실적점수 (이 점수 이상이면 해당 등급) */
+    private BigDecimal minScore;
+    private LocalDate effectiveFrom;
+    /** NULL = 현재 유효 */
+    private LocalDate effectiveTo;
+    private LocalDateTime createdAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/HqItemType.java

@@ -0,0 +1,28 @@
+package com.ga.core.vo.commission;
+
+import com.fasterxml.jackson.annotation.JsonValue;
+
+/**
+ * 본사정산 항목유형 (HQ_ITEM_TYPE 그룹, V98)
+ * hq_settle_item.item_type 에서 사용.
+ * 본사손익 = Σ(INCOME) − Σ(EXPENSE)
+ */
+public enum HqItemType {
+    INCOME("수입"),
+    EXPENSE("비용");
+
+    private final String label;
+
+    HqItemType(String label) {
+        this.label = label;
+    }
+
+    @JsonValue
+    public String getCode() {
+        return this.name();
+    }
+
+    public String getLabel() {
+        return label;
+    }
+}

ga-core/src/main/java/com/ga/core/vo/commission/HqSettleItemResp.java

@@ -0,0 +1,25 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * hq_settle_item 조회 응답 — 코드명 포함.
+ */
+@Data
+public class HqSettleItemResp {
+    private Long itemId;
+    private String settleMonth;
+    private String itemType;
+    private String itemTypeName;
+    private String itemName;
+    private BigDecimal amount;
+    private String memo;
+    private String status;
+    private String statusName;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/HqSettleItemSaveReq.java

@@ -0,0 +1,31 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * hq_settle_item 저장 요청.
+ * status/createdAt/updatedAt 는 서버에서 결정.
+ */
+@Data
+public class HqSettleItemSaveReq {
+
+    @NotBlank
+    private String settleMonth;
+
+    @NotBlank
+    private String itemType;
+
+    @NotBlank
+    private String itemName;
+
+    @NotNull
+    @Positive
+    private BigDecimal amount;
+
+    private String memo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/HqSettleItemSearchParam.java

@@ -0,0 +1,15 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * hq_settle_item 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class HqSettleItemSearchParam extends SearchParam {
+    private String settleMonth;
+    private String itemType;
+}

ga-core/src/main/java/com/ga/core/vo/commission/HqSettleItemVO.java

@@ -0,0 +1,27 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * hq_settle_item — 본사정산 항목 (V98)
+ * GA 자체 수입/비용 정산. 본사손익 = Σ(INCOME) − Σ(EXPENSE).
+ */
+@Data
+public class HqSettleItemVO {
+    private Long itemId;
+    /** 정산 귀속월 (YYYYMM) */
+    private String settleMonth;
+    /** 항목유형 (INCOME=수입/EXPENSE=비용) */
+    private String itemType;
+    private String itemName;
+    private BigDecimal amount;
+    private String memo;
+    /** REGISTERED=등록/CONFIRMED=확정 */
+    private String status;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/IncomeCommissionLedgerResp.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * income_commission_ledger 조회 응답 — 보험사명·계약번호 조인 포함.
+ */
+@Data
+public class IncomeCommissionLedgerResp {
+    private Long incomeId;
+    private Long contractId;
+    /** contract.policy_no */
+    private String policyNo;
+    private Long carrierId;
+    /** insurance_company.company_name */
+    private String carrierName;
+    private String settleMonth;
+    private BigDecimal premiumAmount;
+    private BigDecimal companyRate;
+    private BigDecimal incomeAmount;
+    private String commissionType;
+    /** 공통코드 COMMISSION_TYPE */
+    private String commissionTypeName;
+    private String status;
+    /** 공통코드 INCOME_STATUS */
+    private String statusName;
+}

ga-core/src/main/java/com/ga/core/vo/commission/IncomeCommissionLedgerSaveReq.java

@@ -0,0 +1,37 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+/**
+ * income_commission_ledger 등록/수정 요청.
+ * income_amount는 Service가 계산 후 VO에 set하므로 요청에 포함하지 않는다.
+ */
+@Data
+public class IncomeCommissionLedgerSaveReq {
+
+    @NotNull
+    private Long contractId;
+
+    @NotNull
+    private Long carrierId;
+
+    @NotBlank
+    private String settleMonth;
+
+    @NotNull
+    @Positive
+    private java.math.BigDecimal premiumAmount;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private java.math.BigDecimal companyRate;
+
+    @NotBlank
+    private String commissionType;
+}

ga-core/src/main/java/com/ga/core/vo/commission/IncomeCommissionLedgerSearchParam.java

@@ -0,0 +1,18 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * income_commission_ledger 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class IncomeCommissionLedgerSearchParam extends SearchParam {
+    private Long carrierId;
+    private Long contractId;
+    private String settleMonth;
+    private String commissionType;
+    private String status;
+}

ga-core/src/main/java/com/ga/core/vo/commission/IncomeCommissionLedgerVO.java

@@ -0,0 +1,31 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * income_commission_ledger — 수입수수료 원장 (V88)
+ * 보험사가 GA에 지급한 수입 측 수수료. income_amount = premium_amount × company_rate.
+ */
+@Data
+public class IncomeCommissionLedgerVO {
+    private Long incomeId;
+    private Long contractId;
+    /** 보험사 FK (insurance_company.company_id) */
+    private Long carrierId;
+    /** 정산 귀속월 (YYYYMM) */
+    private String settleMonth;
+    private BigDecimal premiumAmount;
+    /** 보험사 수수료율 (소수, 예: 0.12 = 12%) */
+    private BigDecimal companyRate;
+    /** 수입수수료 = premium_amount × company_rate */
+    private BigDecimal incomeAmount;
+    /** CommissionType: RECRUIT/MAINTAIN/RENEWAL/REINSTATE/COLLECTION */
+    private String commissionType;
+    /** CALCULATED / CONFIRMED / CANCELLED */
+    private String status;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/JointContractResp.java

@@ -0,0 +1,24 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * joint_contract 조회 응답 — 설계사명/계약번호 조인 포함.
+ */
+@Data
+public class JointContractResp {
+    private Long jointId;
+    private Long contractId;
+    private String policyNo;
+    private Long agentId;
+    private String agentName;
+    private String orgName;
+    private String role;
+    private String roleName;
+    private BigDecimal shareRate;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+}

ga-core/src/main/java/com/ga/core/vo/commission/JointContractSaveReq.java

@@ -0,0 +1,31 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * joint_contract 저장 요청.
+ * share_rate 합=1 은 Service 레이어에서 검증.
+ */
+@Data
+public class JointContractSaveReq {
+
+    @NotNull
+    private Long contractId;
+
+    @NotNull
+    private Long agentId;
+
+    @NotBlank
+    private String role;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal shareRate;
+}

ga-core/src/main/java/com/ga/core/vo/commission/JointContractSearchParam.java

@@ -0,0 +1,17 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * joint_contract 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class JointContractSearchParam extends SearchParam {
+    private Long contractId;
+    private Long agentId;
+    private String agentName;
+    private String role;
+}

ga-core/src/main/java/com/ga/core/vo/commission/JointContractVO.java

@@ -0,0 +1,26 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * joint_contract — 공동계약 (V100)
+ * 한 계약을 여러 설계사가 공동 모집. share_rate 합=1 (Service 검증).
+ * 설계사몫 = 계약수수료 × share_rate
+ */
+@Data
+public class JointContractVO {
+    private Long jointId;
+    /** 대상 계약 FK */
+    private Long contractId;
+    /** 참여 설계사 FK */
+    private Long agentId;
+    /** 역할 (LEAD=주설계사/SUB=공동설계사) */
+    private String role;
+    /** 지분율 0~1 */
+    private BigDecimal shareRate;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+}

ga-core/src/main/java/com/ga/core/vo/commission/JointRole.java

@@ -0,0 +1,28 @@
+package com.ga.core.vo.commission;
+
+import com.fasterxml.jackson.annotation.JsonValue;
+
+/**
+ * 공동계약 역할 (JOINT_ROLE 그룹, V100)
+ * joint_contract.role 에서 사용.
+ * 계약별 share_rate 합 = 1 (Service 검증).
+ */
+public enum JointRole {
+    LEAD("주설계사"),
+    SUB("공동설계사");
+
+    private final String label;
+
+    JointRole(String label) {
+        this.label = label;
+    }
+
+    @JsonValue
+    public String getCode() {
+        return this.name();
+    }
+
+    public String getLabel() {
+        return label;
+    }
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportLedgerResp.java

@@ -0,0 +1,27 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * life_support_ledger 조회 응답 — 설계사명·조직명·공통코드명 조인 포함.
+ */
+@Data
+public class LifeSupportLedgerResp {
+    private Long ledgerId;
+    private Long agentId;
+    /** agent.agent_name */
+    private String agentName;
+    /** organization.org_name */
+    private String orgName;
+    private String settleMonth;
+    private BigDecimal baseAmount;
+    private BigDecimal supportRate;
+    private BigDecimal supportAmount;
+    private BigDecimal clawbackAmount;
+    private BigDecimal netAmount;
+    private String status;
+    /** 공통코드 SUPPORT_STATUS */
+    private String statusName;
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportLedgerSaveReq.java

@@ -0,0 +1,36 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * life_support_ledger 등록 요청.
+ * support_amount / net_amount 는 Service가 계산 후 VO에 set.
+ */
+@Data
+public class LifeSupportLedgerSaveReq {
+
+    @NotNull
+    private Long agentId;
+
+    @NotBlank
+    private String settleMonth;
+
+    @NotNull
+    @Positive
+    private BigDecimal baseAmount;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal supportRate;
+
+    @DecimalMin("0")
+    private BigDecimal clawbackAmount;
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportLedgerSearchParam.java

@@ -0,0 +1,17 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * life_support_ledger 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class LifeSupportLedgerSearchParam extends SearchParam {
+    private Long agentId;
+    private String agentName;
+    private String settleMonth;
+    private String status;
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportLedgerVO.java

@@ -0,0 +1,33 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * life_support_ledger — 생보운영지원수수료 원장 (V93)
+ * support_amount = base_amount × support_rate
+ * net_amount = support_amount - clawback_amount
+ */
+@Data
+public class LifeSupportLedgerVO {
+    private Long ledgerId;
+    private Long agentId;
+    /** 정산 귀속월 (YYYYMM) */
+    private String settleMonth;
+    /** 생보 실적 기준금액 */
+    private BigDecimal baseAmount;
+    /** 적용 지급률 (life_support_rule 스냅샷) */
+    private BigDecimal supportRate;
+    /** 지원수수료 = base_amount × support_rate */
+    private BigDecimal supportAmount;
+    /** 환수액 */
+    private BigDecimal clawbackAmount;
+    /** 실지급액 = support_amount - clawback_amount */
+    private BigDecimal netAmount;
+    /** CALCULATED / CONFIRMED / PAID / CLAWED_BACK / CANCELLED */
+    private String status;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportRuleResp.java

@@ -0,0 +1,20 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * life_support_rule 조회 응답 — 등급명 공통코드 조인 포함.
+ */
+@Data
+public class LifeSupportRuleResp {
+    private Long ruleId;
+    private String agentGrade;
+    /** 공통코드 AGENT_GRADE */
+    private String agentGradeName;
+    private BigDecimal supportRate;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportRuleSaveReq.java

@@ -0,0 +1,30 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * life_support_rule 등록/수정 요청.
+ */
+@Data
+public class LifeSupportRuleSaveReq {
+
+    @NotBlank
+    private String agentGrade;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal supportRate;
+
+    @NotNull
+    private LocalDate effectiveFrom;
+
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportRuleSearchParam.java

@@ -0,0 +1,14 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * life_support_rule 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class LifeSupportRuleSearchParam extends SearchParam {
+    private String agentGrade;
+}

ga-core/src/main/java/com/ga/core/vo/commission/LifeSupportRuleVO.java

@@ -0,0 +1,24 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * life_support_rule — 생보운영지원수수료 룰 마스터 (V93)
+ */
+@Data
+public class LifeSupportRuleVO {
+    private Long ruleId;
+    /** 설계사 등급 */
+    private String agentGrade;
+    /** 지급률 (소수, 예: 0.03 = 3%) */
+    private BigDecimal supportRate;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/MarginSummaryResp.java

@@ -0,0 +1,21 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * margin_summary 조회 응답 — 설계사명 조인 포함.
+ */
+@Data
+public class MarginSummaryResp {
+    private Long marginId;
+    private String settleMonth;
+    private Long agentId;
+    /** agent.agent_name (NULL = 전체) */
+    private String agentName;
+    private BigDecimal incomeTotal;
+    private BigDecimal payoutTotal;
+    private BigDecimal marginAmount;
+    private BigDecimal marginRate;
+}

ga-core/src/main/java/com/ga/core/vo/commission/MarginSummarySaveReq.java

@@ -0,0 +1,18 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.NotBlank;
+import lombok.Data;
+
+/**
+ * margin_summary 등록/수정 요청.
+ * margin_amount / margin_rate 는 Service가 계산 후 VO에 set.
+ */
+@Data
+public class MarginSummarySaveReq {
+
+    @NotBlank
+    private String settleMonth;
+
+    /** 설계사 FK (NULL = GA 전체 합산) */
+    private Long agentId;
+}

ga-core/src/main/java/com/ga/core/vo/commission/MarginSummarySearchParam.java

@@ -0,0 +1,15 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * margin_summary 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class MarginSummarySearchParam extends SearchParam {
+    private String settleMonth;
+    private Long agentId;
+}

ga-core/src/main/java/com/ga/core/vo/commission/MarginSummaryVO.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * margin_summary — 수지차 집계 (V88)
+ * recalc 배치 액션으로 채움. agent_id NULL = GA 전체 합산.
+ * margin_amount = income_total - payout_total
+ */
+@Data
+public class MarginSummaryVO {
+    private Long marginId;
+    /** 정산월 (YYYYMM) */
+    private String settleMonth;
+    /** 설계사 FK (NULL = GA 전체) */
+    private Long agentId;
+    /** 수입 합계 (income_commission_ledger SUM) */
+    private BigDecimal incomeTotal;
+    /** 지급 합계 (settle_master.net_amount SUM) */
+    private BigDecimal payoutTotal;
+    /** 수지차 = income_total - payout_total */
+    private BigDecimal marginAmount;
+    /** 수지차율 = margin_amount / income_total */
+    private BigDecimal marginRate;
+    private LocalDateTime createdAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/ProductConversionRateResp.java

@@ -0,0 +1,20 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * product_conversion_rate 조회 응답 — 상품명 조인 포함.
+ */
+@Data
+public class ProductConversionRateResp {
+    private Long rateId;
+    private Long productId;
+    /** product.product_name */
+    private String productName;
+    private BigDecimal conversionRate;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/ProductConversionRateSaveReq.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotNull;
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * product_conversion_rate 등록/수정 요청.
+ */
+@Data
+public class ProductConversionRateSaveReq {
+
+    @NotNull
+    private Long productId;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal conversionRate;
+
+    @NotNull
+    private LocalDate effectiveFrom;
+
+    private LocalDate effectiveTo;
+}

ga-core/src/main/java/com/ga/core/vo/commission/ProductConversionRateSearchParam.java

@@ -0,0 +1,14 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * product_conversion_rate 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class ProductConversionRateSearchParam extends SearchParam {
+    private Long productId;
+}

ga-core/src/main/java/com/ga/core/vo/commission/ProductConversionRateVO.java

@@ -0,0 +1,24 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * product_conversion_rate — 상품별 환산율 마스터 (V91)
+ * 인정실적 산출을 위한 보험료 환산율.
+ */
+@Data
+public class ProductConversionRateVO {
+    private Long rateId;
+    private Long productId;
+    /** 환산율 (소수, 예: 0.5 = 50%) */
+    private BigDecimal conversionRate;
+    private LocalDate effectiveFrom;
+    private LocalDate effectiveTo;
+    private LocalDateTime createdAt;
+    private Long createdBy;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/RecognizedPerformanceLedgerResp.java

@@ -0,0 +1,30 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * recognized_performance_ledger 조회 응답 — 설계사명·계약번호 조인 포함.
+ */
+@Data
+public class RecognizedPerformanceLedgerResp {
+    private Long ledgerId;
+    private Long agentId;
+    /** agent.agent_name */
+    private String agentName;
+    /** organization.org_name */
+    private String orgName;
+    private Long contractId;
+    /** contract.policy_no */
+    private String policyNo;
+    private String settleMonth;
+    private BigDecimal premiumAmount;
+    private BigDecimal conversionRate;
+    private BigDecimal convertedPremium;
+    private BigDecimal recognitionRate;
+    private BigDecimal recognizedAmount;
+    private String status;
+    /** 공통코드 INCOME_STATUS */
+    private String statusName;
+}

ga-core/src/main/java/com/ga/core/vo/commission/RecognizedPerformanceLedgerSaveReq.java

@@ -0,0 +1,41 @@
+package com.ga.core.vo.commission;
+
+import jakarta.validation.constraints.DecimalMax;
+import jakarta.validation.constraints.DecimalMin;
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.NotNull;
+import jakarta.validation.constraints.Positive;
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * recognized_performance_ledger 등록 요청.
+ * converted_premium / recognized_amount 는 Service가 계산 후 VO에 set.
+ */
+@Data
+public class RecognizedPerformanceLedgerSaveReq {
+
+    @NotNull
+    private Long agentId;
+
+    @NotNull
+    private Long contractId;
+
+    @NotBlank
+    private String settleMonth;
+
+    @NotNull
+    @Positive
+    private BigDecimal premiumAmount;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal conversionRate;
+
+    @NotNull
+    @DecimalMin("0")
+    @DecimalMax("1")
+    private BigDecimal recognitionRate;
+}

ga-core/src/main/java/com/ga/core/vo/commission/RecognizedPerformanceLedgerSearchParam.java

@@ -0,0 +1,18 @@
+package com.ga.core.vo.commission;
+
+import com.ga.common.model.SearchParam;
+import lombok.Data;
+import lombok.EqualsAndHashCode;
+
+/**
+ * recognized_performance_ledger 검색 조건.
+ */
+@Data
+@EqualsAndHashCode(callSuper = true)
+public class RecognizedPerformanceLedgerSearchParam extends SearchParam {
+    private Long agentId;
+    private String agentName;
+    private Long contractId;
+    private String settleMonth;
+    private String status;
+}

ga-core/src/main/java/com/ga/core/vo/commission/RecognizedPerformanceLedgerVO.java

@@ -0,0 +1,33 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * recognized_performance_ledger — 인정실적 원장 (V91)
+ * converted_premium = premium_amount × conversion_rate
+ * recognized_amount  = converted_premium × recognition_rate
+ */
+@Data
+public class RecognizedPerformanceLedgerVO {
+    private Long ledgerId;
+    private Long agentId;
+    private Long contractId;
+    /** 정산 귀속월 (YYYYMM) */
+    private String settleMonth;
+    private BigDecimal premiumAmount;
+    /** 적용 환산율 (product_conversion_rate 스냅샷) */
+    private BigDecimal conversionRate;
+    /** 환산보험료 = premium_amount × conversion_rate */
+    private BigDecimal convertedPremium;
+    /** 인정율 (설계사 등급/정책 기준) */
+    private BigDecimal recognitionRate;
+    /** 인정실적 = converted_premium × recognition_rate */
+    private BigDecimal recognizedAmount;
+    /** CALCULATED / CONFIRMED / CANCELLED */
+    private String status;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+}

ga-core/src/main/java/com/ga/core/vo/commission/ReferralCommissionLedgerResp.java

@@ -0,0 +1,29 @@
+package com.ga.core.vo.commission;
+
+import lombok.Data;
+
+import java.math.BigDecimal;
+
+/**
+ * referral_commission_ledger 조회 응답 — 설계사명·계약번호·공통코드명 조인 포함.
+ */
+@Data
+public class ReferralCommissionLedgerResp {
+    private Long ledgerId;
+    private Long contractId;
+    /** contract.policy_no */
+    private String policyNo;
+    private Long referrerAgentId;
+    /** agent.agent_name */
+    private String referrerAgentName;
+    private String settleMonth;
+    private String referralType;
+    /** 공통코드 REFERRAL_TYPE */
+    private String referralTypeName;
+    private BigDecimal baseAmount;
+    private BigDecimal commissionRate;
+    private BigDecimal commissionAmount;
+    private String status;
+    /** 공통코드 INCOME_STATUS */
+    private String statusName;
+}