Merge remote-tracking branch 'origin/master'

tenant/insurance/quotation-guoren/src/main/java/com/jzg/quotation/guoren/api/service/Impl/GuoRenApiRequestImpl.java

@@ -793,11 +793,15 @@ public class GuoRenApiRequestImpl implements GuoRenApiRequest {
     /**
      * 工具方法：从文件名中提取后缀（如 "test.txt" → "txt"）
      */
-    private static String getFileSuffix(String fileName) {
-        if (fileName == null || !fileName.contains(".")) {
-            return "bin"; // 默认后缀（二进制文件）
+    private String getFileSuffix(String fileName) {
+        if (StringUtils.isEmpty(fileName)) {
+            return ".bin"; // 默认后缀
         }
-        return fileName.substring(fileName.lastIndexOf("."));
+        int lastIndexOf = fileName.lastIndexOf(".");
+        if (lastIndexOf == -1) {
+            return ".bin";
+        }
+        return fileName.substring(lastIndexOf);
     }