Merge remote-tracking branch 'origin/dev_jzg_lipf_v20260506' into dev_jzg_lipf_v20260506

tenant/insurance/quotation-zijin/src/main/java/com/jzg/quotation/zijin/api/build/ZiJinAPIQuoteResultsVoBuild.java

@@ -109,6 +109,9 @@ public final class ZiJinAPIQuoteResultsVoBuild {
 
     private static void buildPremium(QuoteResultsVo quoteResultsVo, CalculatePremiumResponse response) {
         List<CalculatePremiumResponse.PlanListDTO> planList = response.getPlanList();
+        if (CollUtil.isEmpty(planList)) {
+            return;
+        }
         Map<String, String> planMap = planList
                 .stream()
                 .collect(Collectors.toMap(CalculatePremiumResponse.PlanListDTO::getRiskCode, CalculatePremiumResponse.PlanListDTO::getPlanFee));