报价，分销费率空指针修复

tenant/insurance/quotation-summary/src/main/java/com/jzg/quotation/summary/aop/aspect/QuoteVerificationAspect.java

@@ -579,9 +579,9 @@ public class QuoteVerificationAspect {
                 ? insFeeOrders.getJyKeepPointRatio() : BigDecimal.ZERO);
 
         // 出口比例 = 出口比例 - 分销比例
-        BigDecimal firstDistributionRatio = insFeeOrders.getFirstDistributionRatio();
-        BigDecimal secondDistributionRatio = insFeeOrders.getSecondDistributionRatio();
-        BigDecimal thirdDistributionRatio = insFeeOrders.getThirdDistributionRatio();
+        BigDecimal firstDistributionRatio = Optional.ofNullable(insFeeOrders.getFirstDistributionRatio()).orElse(BigDecimal.ZERO);
+        BigDecimal secondDistributionRatio = Optional.ofNullable(insFeeOrders.getSecondDistributionRatio()).orElse(BigDecimal.ZERO);
+        BigDecimal thirdDistributionRatio = Optional.ofNullable(insFeeOrders.getThirdDistributionRatio()).orElse(BigDecimal.ZERO);
         insFeeOrders.setJqExportRatio(jqCostType == null ? BigDecimal.ZERO :
                         (jqCostType.getExport() != null && jqCostType.getExport().compareTo(BigDecimal.ZERO) > 0
                                 ? convertPercent(jqCostType.getExport()).subtract(firstDistributionRatio).subtract(secondDistributionRatio).subtract(thirdDistributionRatio)