GA Pro
67 lines
4.0 KiB
SQL
67 lines
4.0 KiB
SQL
-- V41: 수금수수료 (collection_commission_rule + collection_commission_ledger)
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-- 보험료 수납 단위(매월)로 발생하는 수금수수료. 납입주기별 차등 적용.
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-- ============================================================
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-- 1. collection_commission_rule — 납입주기별 수금수수료율 마스터
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-- ============================================================
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CREATE TABLE collection_commission_rule (
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rule_id BIGSERIAL PRIMARY KEY,
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product_id BIGINT NOT NULL REFERENCES product(product_id),
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payment_cycle VARCHAR(20) NOT NULL,
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commission_rate NUMERIC(7,4) NOT NULL,
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effective_from DATE NOT NULL,
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effective_to DATE,
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created_at TIMESTAMP NOT NULL DEFAULT NOW(),
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created_by BIGINT,
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updated_at TIMESTAMP,
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UNIQUE (product_id, payment_cycle, effective_from),
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CHECK (payment_cycle IN ('MONTHLY','QUARTERLY','SEMI','ANNUAL')),
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CHECK (commission_rate >= 0 AND commission_rate <= 1)
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);
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COMMENT ON TABLE collection_commission_rule IS '수금수수료율 마스터 — 상품/납입주기별 수금수수료율 정의';
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COMMENT ON COLUMN collection_commission_rule.product_id IS '적용 상품 FK';
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COMMENT ON COLUMN collection_commission_rule.payment_cycle IS '납입주기 (MONTHLY=월납/QUARTERLY=분기납/SEMI=반기납/ANNUAL=연납)';
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COMMENT ON COLUMN collection_commission_rule.commission_rate IS '수금수수료율 (소수, 예: 0.005 = 0.5%)';
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COMMENT ON COLUMN collection_commission_rule.effective_from IS '적용 시작일';
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COMMENT ON COLUMN collection_commission_rule.effective_to IS '적용 종료일 (NULL=현재 유효)';
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CREATE INDEX idx_ccr_product ON collection_commission_rule(product_id, effective_from);
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-- ============================================================
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-- 2. collection_commission_ledger — 수금수수료 원장
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-- 매월 수납 확인 후 발생. paid_at 기준으로 정산월 귀속.
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-- ============================================================
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CREATE TABLE collection_commission_ledger (
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ledger_id BIGSERIAL PRIMARY KEY,
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contract_id BIGINT NOT NULL REFERENCES contract(contract_id),
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agent_id BIGINT NOT NULL REFERENCES agent(agent_id),
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settle_month CHAR(6) NOT NULL,
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premium_amount NUMERIC(15,2) NOT NULL,
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commission_rate NUMERIC(7,4) NOT NULL,
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commission_amount NUMERIC(15,2) NOT NULL,
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payment_cycle VARCHAR(20) NOT NULL,
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paid_at DATE NOT NULL,
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status VARCHAR(20) NOT NULL DEFAULT 'CALCULATED',
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created_at TIMESTAMP NOT NULL DEFAULT NOW(),
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updated_at TIMESTAMP,
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CHECK (payment_cycle IN ('MONTHLY','QUARTERLY','SEMI','ANNUAL')),
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CHECK (status IN ('CALCULATED','CONFIRMED','PAID','CANCELLED'))
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);
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COMMENT ON TABLE collection_commission_ledger IS '수금수수료 원장 — 매월 보험료 수납 단위로 발생';
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COMMENT ON COLUMN collection_commission_ledger.contract_id IS '대상 계약 FK';
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COMMENT ON COLUMN collection_commission_ledger.agent_id IS '수금 담당 설계사 FK';
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COMMENT ON COLUMN collection_commission_ledger.settle_month IS '정산 귀속월 (YYYYMM)';
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COMMENT ON COLUMN collection_commission_ledger.premium_amount IS '수납 보험료';
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COMMENT ON COLUMN collection_commission_ledger.commission_rate IS '적용 수금수수료율';
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COMMENT ON COLUMN collection_commission_ledger.commission_amount IS '수금수수료 = premium_amount * commission_rate';
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COMMENT ON COLUMN collection_commission_ledger.payment_cycle IS '납입주기';
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COMMENT ON COLUMN collection_commission_ledger.paid_at IS '실 보험료 납입일';
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CREATE INDEX idx_ccl_agent_month ON collection_commission_ledger(agent_id, settle_month);
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CREATE INDEX idx_ccl_contract ON collection_commission_ledger(contract_id);
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CREATE INDEX idx_ccl_status ON collection_commission_ledger(status, settle_month);
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