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

@@ -198,10 +198,38 @@ public class PolicyServiceImpl extends ServiceImpl<PolicyMapper, Policy>
         return true;
     }
 
-    private BigDecimal calculateTotalPaymentPremium(ApiProductPlanMainInfoDto apiProductPlanMainInfoDto) {
-        // 计算总保费
-        return apiProductPlanMainInfoDto.getEachIssuePremium()
-                .multiply(new BigDecimal(apiProductPlanMainInfoDto.getPaymentFrequency()))
+    private BigDecimal calculateTotalPaymentPremium(ApiProductPlanMainInfoDto dto) {
+        // 校验每期保费（必填）
+        BigDecimal eachIssuePremium = dto.getEachIssuePremium();
+        if (eachIssuePremium == null) {
+            throw new BusinessException("每期保费不能为空");
+        }
+
+        String issueNumberStr = dto.getIssueNumber();
+        BigDecimal issueNumber;
+
+        // 供款期数为空时，默认按 1 期处理
+        if (StringUtils.isBlank(issueNumberStr)) {
+            issueNumber = BigDecimal.ONE;
+        } else {
+            // 安全转换为 BigDecimal
+            try {
+                issueNumber = new BigDecimal(issueNumberStr.trim());
+            } catch (NumberFormatException e) {
+                throw new BusinessException("供款期数格式不正确，请填写数字");
+            }
+            // 业务逻辑校验：期数必须为正整数
+            if (issueNumber.compareTo(BigDecimal.ZERO) <= 0) {
+                throw new BusinessException("供款期数必须大于0");
+            }
+            // 检查是否为整数（去除小数部分后与原值比较）
+            if (issueNumber.stripTrailingZeros().scale() > 0) {
+                throw new BusinessException("供款期数必须为整数");
+            }
+        }
+
+        // 计算总保费并保留4位小数
+        return eachIssuePremium.multiply(issueNumber)
                 .setScale(4, RoundingMode.HALF_UP);
     }