根据入账检核汇率更新应付1

yd-csf-service/src/main/java/com/yd/csf/service/service/impl/CommissionServiceImpl.java

@@ -779,19 +779,24 @@ public class CommissionServiceImpl extends ServiceImpl<CommissionMapper, Commiss
             String key = buildPolicyPeriodKey(expectedFortune.getPolicyNo(), expectedFortune.getFortunePeriod());
             BigDecimal exchangeRate = exchangeRateMap.get(key);
             if (exchangeRate != null) {
+                // 入账检核汇率 — 仅审计追溯，始终写入
                 fortune.setExchangeRate(exchangeRate);
+
+                // 判断 commission.currency 是否为 HKD
+                Commission matchedCommission = commissionByPolicyPeriod.get(key);
+                boolean isCommissionHkd = matchedCommission != null
+                        && "HKD".equalsIgnoreCase(matchedCommission.getCurrency());
+
+                if (isCommissionHkd) {
+                    // 入账币种=HKD 时，exchangeRate = 保单币种 → 港币，可安全使用
                     fortune.setOriginalToHkdRate(exchangeRate);
-                // 重新计算港币金额
                     BigDecimal hkdAmount = fortune.getRuleAmount().multiply(exchangeRate);
-
                     fortune.setHkdAmount(hkdAmount);
                     fortune.setCurrentPaymentAmount(fortune.getRuleAmount());
                     fortune.setCurrentPaymentHkdAmount(hkdAmount);
-                // 重新计算发放币种金额
                     BigDecimal payoutAmount = hkdAmount.multiply(expectedFortune.getHkdToPayoutRate());
                     fortune.setPayoutAmount(payoutAmount);
 
-                // 更新预计发佣记录的港币金额
                     ExpectedFortune update = new ExpectedFortune();
                     update.setId(expectedFortune.getId());
                     update.setDefaultExchangeRate(exchangeRate);
@@ -802,6 +807,12 @@ public class CommissionServiceImpl extends ServiceImpl<CommissionMapper, Commiss
                     update.setPayoutAmount(payoutAmount);
                     updatedExpectedFortuneList.add(update);
                 } else {
+                    // 入账币种 ≠ HKD，无法推导保单币种 → 港币，用 ExpectedFortune 已有默认值
+                    fortune.setExchangeRate(expectedFortune.getDefaultExchangeRate());
+                    fortune.setCurrentPaymentAmount(expectedFortune.getOriginalAmount());
+                    fortune.setCurrentPaymentHkdAmount(expectedFortune.getHkdAmount());
+                }
+            } else {
                 fortune.setExchangeRate(expectedFortune.getDefaultExchangeRate());
                 fortune.setCurrentPaymentAmount(expectedFortune.getOriginalAmount());
                 fortune.setCurrentPaymentHkdAmount(expectedFortune.getHkdAmount());

yd-csf-service/src/main/java/com/yd/csf/service/service/impl/FortuneAccountServiceImpl.java

@@ -505,6 +505,8 @@ public class FortuneAccountServiceImpl extends ServiceImpl<FortuneAccountMapper,
             // 应发港币金额（估）
             BigDecimal hkdAmount = hkdAmountMap.getOrDefault(ef.getExpectedFortuneBizId(), BigDecimal.ZERO);
             BigDecimal expectedHKD = hkdAmount.add(unpaidRuleAmountHkd);
+            // 发放币种金额 = 港币 × 港币兑发放币种汇率
+            BigDecimal expectedPayout = expectedHKD.multiply(ef.getHkdToPayoutRate());
 
             // 累计出账港币金额
             BigDecimal paid = paidMap.getOrDefault(ef.getExpectedFortuneBizId(), BigDecimal.ZERO);
@@ -527,7 +529,7 @@ public class FortuneAccountServiceImpl extends ServiceImpl<FortuneAccountMapper,
                     .set(ExpectedFortune::getUnpaidRuleAmount, unpaidRule)
                     .set(ExpectedFortune::getUnpaidRuleAmountHkd, unpaidRuleAmountHkd)
                     .set(ExpectedFortune::getHkdAmount, expectedHKD)
-                    .set(ExpectedFortune::getPayoutAmount, expectedHKD)
+                    .set(ExpectedFortune::getPayoutAmount, expectedPayout)
                     .set(ExpectedFortune::getPaidAmount, paid)
                     .set(ExpectedFortune::getUnpaidAmount, unpaidRuleAmountHkd)
                     .set(ExpectedFortune::getPaidRatio, totalPaidRatio)