feat: 분급 비율 회차(월) 단위 등록 지원 (V81)

- installment_ratio.plan_month INT NULL 컬럼 추가
  - NULL = 연 단위(연차 합계, 기존 동작)
  - 1~12 = 해당 회차(월) 단위 비율
- UNIQUE 재정의: NULLS NOT DISTINCT (product_category, plan_year, plan_month, effective_from)
- InstallmentPlanGenerator: planMonth=NULL이면 1, NOT NULL이면 그대로 사용해 settle_month 계산
- 분급비율 화면: 회차(월) 컬럼·입력 추가, "(연차-1)*12+월" 통합 회차 표기

ga-api/src/main/java/com/ga/api/service/installment/InstallmentPlanGenerator.java

@@ -34,11 +34,16 @@ public class InstallmentPlanGenerator {
 
         List<InstallmentPlanVO> plans = new ArrayList<>();
         for (InstallmentRatioVO ratio : ratios) {
+            // 마스터의 plan_month 가 NULL 이면 연 단위(첫 달 지급), NOT NULL 이면 그 회차(월) 그대로 사용.
+            int planMonth = ratio.getPlanMonth() != null ? ratio.getPlanMonth() : 1;
+
             InstallmentPlanVO plan = new InstallmentPlanVO();
             plan.setContractId(contractId);
             plan.setPlanYear(ratio.getPlanYear());
-            plan.setPlanMonth(1);   // 단순화: 연 1회 지급 (plan_month=1)
-            plan.setSettleMonth(contractDate.plusYears(ratio.getPlanYear()).format(MONTH_FMT));
+            plan.setPlanMonth(planMonth);
+            plan.setSettleMonth(
+                    contractDate.plusYears(ratio.getPlanYear()).plusMonths(planMonth - 1L).format(MONTH_FMT)
+            );
             plan.setExpectedAmount(
                     totalCommission.multiply(ratio.getRatioPercent())
                                    .divide(BigDecimal.valueOf(100), 0, RoundingMode.HALF_UP)

ga-api/src/main/java/com/ga/api/service/installment/InstallmentService.java

@@ -121,6 +121,7 @@ public class InstallmentService {
         InstallmentRatioVO vo = new InstallmentRatioVO();
         vo.setProductCategory(req.getProductCategory());
         vo.setPlanYear(req.getPlanYear());
+        vo.setPlanMonth(req.getPlanMonth());   // null=연 단위, 1~12=회차(월) 단위
         vo.setRatioPercent(req.getRatioPercent());
         vo.setEffectiveFrom(req.getEffectiveFrom());
         vo.setEffectiveTo(req.getEffectiveTo());

ga-common/src/main/resources/db/migration/V81__분급비율_회차단위_지원.sql

@@ -0,0 +1,26 @@
+-- V81: installment_ratio 에 plan_month(회차/월) 컬럼 추가.
+--      NULL  = 연 단위 (기존 동작, 1차년도 등 합계 비율)
+--      1~12  = 해당 회차(월) 단위 비율
+--
+-- 기존 7건(NULL) 은 그대로 두고 새 UNIQUE 키만 재정의한다.
+
+ALTER TABLE installment_ratio
+    ADD COLUMN IF NOT EXISTS plan_month INT
+        CHECK (plan_month IS NULL OR (plan_month BETWEEN 1 AND 12));
+
+COMMENT ON COLUMN installment_ratio.plan_month IS
+    'NULL=연 단위(연차 합계), 1~12=해당 회차(월) 단위 비율';
+
+-- 기존 UNIQUE (product_category, plan_year, effective_from) 제거 후
+-- plan_month 포함 UNIQUE 재정의. NULL 도 동일하게 취급되어야 하므로 NULLS NOT DISTINCT 사용 (PG15+).
+ALTER TABLE installment_ratio
+    DROP CONSTRAINT IF EXISTS installment_ratio_product_category_plan_year_effective_fr_key;
+
+ALTER TABLE installment_ratio
+    ADD CONSTRAINT installment_ratio_unique
+    UNIQUE NULLS NOT DISTINCT (product_category, plan_year, plan_month, effective_from);
+
+-- 조회 인덱스 보강 — 특정 카테고리·연차·회차의 활성 비율 빠른 조회
+DROP INDEX IF EXISTS idx_ir_category_year;
+CREATE INDEX IF NOT EXISTS idx_ir_category_year_month
+    ON installment_ratio(product_category, plan_year, plan_month, effective_from DESC);

ga-core/src/main/java/com/ga/core/vo/installment/InstallmentRatioResp.java

@@ -11,6 +11,7 @@ public class InstallmentRatioResp {
     private String productCategory;
     private String productCategoryName;
     private Integer planYear;
+    private Integer planMonth;
     private BigDecimal ratioPercent;
     private LocalDate effectiveFrom;
     private LocalDate effectiveTo;

ga-core/src/main/java/com/ga/core/vo/installment/InstallmentRatioSaveReq.java

@@ -19,6 +19,11 @@ public class InstallmentRatioSaveReq {
     @Max(value = 7, message = "분급 연차는 7 이하여야 합니다")
     private Integer planYear;
 
+    // null = 연 단위(연차 합계 비율), 1~12 = 회차(월) 단위
+    @Min(value = 1, message = "회차(월)는 1 이상이어야 합니다")
+    @Max(value = 12, message = "회차(월)는 12 이하여야 합니다")
+    private Integer planMonth;
+
     @NotNull(message = "비율은 필수입니다")
     @Positive(message = "비율은 양수여야 합니다")
     private BigDecimal ratioPercent;

ga-core/src/main/java/com/ga/core/vo/installment/InstallmentRatioSearchParam.java

@@ -9,5 +9,6 @@ import lombok.EqualsAndHashCode;
 public class InstallmentRatioSearchParam extends SearchParam {
     private String productCategory;
     private Integer planYear;
+    private Integer planMonth;
     private String effectiveDate;   // YYYY-MM-DD — 해당 날짜 유효 비율 필터
 }

ga-core/src/main/java/com/ga/core/vo/installment/InstallmentRatioVO.java

@@ -11,6 +11,7 @@ public class InstallmentRatioVO {
     private Long ratioId;
     private String productCategory;   // NULL = ALL 상품
     private Integer planYear;         // 1~7
+    private Integer planMonth;        // NULL = 연 단위(연차 합계), 1~12 = 회차(월) 단위
     private BigDecimal ratioPercent;
     private LocalDate effectiveFrom;
     private LocalDate effectiveTo;    // NULL = 현재 유효

ga-core/src/main/resources/mapper/installment/InstallmentRatioMapper.xml

@@ -10,6 +10,7 @@
         <id  property="ratioId"          column="ratio_id"/>
         <result property="productCategory"   column="product_category"/>
         <result property="planYear"          column="plan_year"/>
+        <result property="planMonth"         column="plan_month"/>
         <result property="ratioPercent"      column="ratio_percent"/>
         <result property="effectiveFrom"     column="effective_from"/>
         <result property="effectiveTo"       column="effective_to"/>
@@ -26,6 +27,7 @@
         <result property="productCategory"       column="product_category"/>
         <result property="productCategoryName"   column="product_category_name"/>
         <result property="planYear"              column="plan_year"/>
+        <result property="planMonth"             column="plan_month"/>
         <result property="ratioPercent"          column="ratio_percent"/>
         <result property="effectiveFrom"         column="effective_from"/>
         <result property="effectiveTo"           column="effective_to"/>
@@ -40,6 +42,7 @@
         (SELECT cc.code_name FROM common_code cc
          WHERE cc.group_code = 'PRODUCT_CATEGORY' AND cc.code = r.product_category) AS product_category_name,
         r.plan_year,
+        r.plan_month,
         r.ratio_percent,
         r.effective_from,
         r.effective_to,
@@ -60,12 +63,15 @@
             <if test="planYear != null">
                 AND r.plan_year = #{planYear}
             </if>
+            <if test="planMonth != null">
+                AND r.plan_month = #{planMonth}
+            </if>
             <if test="effectiveDate != null and effectiveDate != ''">
                 AND r.effective_from &lt;= #{effectiveDate}::DATE
                 AND (r.effective_to IS NULL OR r.effective_to >= #{effectiveDate}::DATE)
             </if>
         </where>
-        ORDER BY r.plan_year, r.effective_from DESC
+        ORDER BY r.plan_year, r.plan_month NULLS FIRST, r.effective_from DESC
     </select>
 
     <!-- 단건 조회 (Resp: 코드명 포함) -->
@@ -77,7 +83,7 @@
 
     <!-- 단건 조회 (VO: CUD용) -->
     <select id="selectById" resultMap="VOMap">
-        SELECT ratio_id, product_category, plan_year, ratio_percent,
+        SELECT ratio_id, product_category, plan_year, plan_month, ratio_percent,
                effective_from, effective_to, is_active,
                created_at, created_by, updated_at, updated_by
         FROM installment_ratio
@@ -91,7 +97,7 @@
         effective_from DESC 정렬로 최신 개정본 우선 반환.
     -->
     <select id="selectActive" resultMap="VOMap">
-        SELECT ratio_id, product_category, plan_year, ratio_percent,
+        SELECT ratio_id, product_category, plan_year, plan_month, ratio_percent,
                effective_from, effective_to, is_active,
                created_at, created_by, updated_at, updated_by
         FROM installment_ratio
@@ -107,7 +113,7 @@
 
     <!-- 1~7년 차 전체 비율 조회 (분급 계획 일괄 생성 시 사용) -->
     <select id="selectAllActiveRatios" resultMap="VOMap">
-        SELECT ratio_id, product_category, plan_year, ratio_percent,
+        SELECT ratio_id, product_category, plan_year, plan_month, ratio_percent,
                effective_from, effective_to, is_active,
                created_at, created_by, updated_at, updated_by
         FROM installment_ratio
@@ -116,7 +122,7 @@
           AND is_active = TRUE
           AND effective_from &lt;= #{baseDate}::DATE
           AND (effective_to IS NULL OR effective_to >= #{baseDate}::DATE)
-        ORDER BY plan_year
+        ORDER BY plan_year, plan_month NULLS FIRST
     </select>
 
     <!-- ==================== INSERT ==================== -->
@@ -124,13 +130,13 @@
     <insert id="insert" parameterType="com.ga.core.vo.installment.InstallmentRatioVO"
             useGeneratedKeys="true" keyProperty="ratioId">
         INSERT INTO installment_ratio (
-            product_category, plan_year, ratio_percent,
+            product_category, plan_year, plan_month, ratio_percent,
             effective_from, effective_to, is_active,
             created_at, created_by
         ) VALUES (
-            #{productCategory}, #{planYear}, #{ratioPercent},
-            #{effectiveFrom}, #{effectiveTo}, COALESCE(#{isActive}, TRUE),
-            NOW(), #{createdBy}
+            #{productCategory,jdbcType=VARCHAR}, #{planYear}, #{planMonth,jdbcType=INTEGER}, #{ratioPercent},
+            #{effectiveFrom}, #{effectiveTo,jdbcType=DATE}, COALESCE(#{isActive}, TRUE),
+            NOW(), #{createdBy,jdbcType=BIGINT}
         )
     </insert>
 

ga-frontend/src/api/installment.ts

@@ -5,6 +5,7 @@ export interface InstallmentRatioResp {
   productCategory: string | null;
   productCategoryName: string | null;
   planYear: number;
+  planMonth: number | null;
   ratioPercent: number;
   effectiveFrom: string;
   effectiveTo: string | null;
@@ -14,6 +15,7 @@ export interface InstallmentRatioResp {
 export interface InstallmentRatioSaveReq {
   productCategory?: string | null;
   planYear: number;
+  planMonth?: number | null;
   ratioPercent: number;
   effectiveFrom: string;
   effectiveTo?: string | null;
@@ -21,6 +23,8 @@ export interface InstallmentRatioSaveReq {
 
 export interface InstallmentRatioSearchParam {
   productCategory?: string;
+  planYear?: number;
+  planMonth?: number;
   pageNum?: number;
   pageSize?: number;
 }

ga-frontend/src/pages/rule/InstallmentRatioList.tsx

@@ -37,10 +37,25 @@ const PLAN_YEAR_OPTIONS = [1, 2, 3, 4, 5, 6, 7].map((y) => ({
   label: `${y}차년도`,
 }));
 
+const PLAN_MONTH_OPTIONS = [
+  { value: null as number | null, label: '연 단위(연차 합계)' },
+  ...Array.from({ length: 12 }, (_, i) => ({
+    value: i + 1,
+    label: `${i + 1}회차(월)`,
+  })),
+];
+
 function planYearLabel(y: number): string {
   return `${y}차년도`;
 }
 
+/** 회차 표기: NULL=연 단위, 아니면 "(연차-1)*12 + 월" 통합 회차 + 월 */
+function planMonthLabel(planYear: number, planMonth: number | null): string {
+  if (planMonth == null) return '연 단위';
+  const seq = (planYear - 1) * 12 + planMonth;
+  return `${seq}회 (${planMonth}월)`;
+}
+
 export default function InstallmentRatioList() {
   const actionRef = useRef<ActionType>();
   const [searchParam, setSearchParam] = useState<InstallmentRatioSearchParam>({
@@ -57,6 +72,7 @@ export default function InstallmentRatioList() {
     const req: InstallmentRatioSaveReq = {
       productCategory: v.productCategory || null,
       planYear: v.planYear,
+      planMonth: v.planMonth ?? null,
       ratioPercent: v.ratioPercent,
       effectiveFrom: dayjs(v.effectiveFrom).format('YYYY-MM-DD'),
       effectiveTo: v.effectiveTo ? dayjs(v.effectiveTo).format('YYYY-MM-DD') : null,
@@ -84,6 +100,14 @@ export default function InstallmentRatioList() {
       search: false,
       render: (_, r) => planYearLabel(r.planYear),
     },
+    {
+      title: '회차(월)',
+      dataIndex: 'planMonth',
+      width: 130,
+      align: 'center',
+      search: false,
+      render: (_, r) => planMonthLabel(r.planYear, r.planMonth),
+    },
     {
       title: '비율(%)',
       dataIndex: 'ratioPercent',
@@ -168,7 +192,7 @@ export default function InstallmentRatioList() {
   return (
     <PageContainer
       title="분급비율 설정"
-      description="분급 비율 합계가 100%가 되도록 1~7차년도 각 비율 설정"
+      description="1~7차년도 각 비율 설정. 회차(월) 미지정 = 연 단위(첫 달 지급), 1~12 지정 = 해당 월만 지급"
     >
       <ProTable<InstallmentRatioResp>
         actionRef={actionRef}
@@ -236,6 +260,17 @@ export default function InstallmentRatioList() {
             options={PLAN_YEAR_OPTIONS}
           />
         </ProForm.Group>
+        <ProForm.Group>
+          <ProFormSelect
+            name="planMonth"
+            label="회차(월)"
+            width="md"
+            placeholder="비워두면 연 단위"
+            tooltip="비우면 연차 합계, 1~12 선택 시 그 회차(월)만 적용"
+            options={PLAN_MONTH_OPTIONS}
+            allowClear
+          />
+        </ProForm.Group>
         <ProForm.Group>
           <ProFormDigit
             name="ratioPercent"