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@@ -231,6 +231,7 @@ public class QuoteVerificationAspect {
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insFeeOrders.setJyPremium(insOrdersCosts.getJyPremium());
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insFeeOrders.setTotalPremium(insOrdersCosts.getSumPremium());
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// 获取协议是平台协议还是私有协议 1 平台协议 2 私有协议
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+ AgreementVo agreement = agreementInfoVo.getAgreement();
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String agreementType = agreementInfoVo.getAgreement().getAgreementType();
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BigDecimal jqEntranceFeeRatio = convertPercent(agreementInfoVo.getAgreement().getJqEntranceFeeRatio());
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BigDecimal syEntranceFeeRatio = convertPercent(agreementInfoVo.getAgreement().getSyEntranceFeeRatio());
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@@ -250,10 +251,14 @@ public class QuoteVerificationAspect {
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BigDecimal syFollowRatio = calculateFollowRatio(syCostType, syEntranceFeeRatio);
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BigDecimal jyFollowRatio = calculateFollowRatio(jyCostType, jyEntranceFeeRatio);
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- // 5. 根据协议类型确定税率因子（平台协议为1，私有协议为1/1.06）
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- BigDecimal taxFactor = "1".equals(agreementType)
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- ? BigDecimal.ONE
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- : new BigDecimal("1").divide(new BigDecimal("1.06"), 10, RoundingMode.HALF_EVEN);
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+ // modify by lipf ,2026年6月17日15:30:54 是否除以1.06，不再根据平台协议还是私有协议进行判断，而是根据协议的是否含税来进行判断
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+ String withTax = agreement.getWithTax();
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+ BigDecimal taxFactor = new BigDecimal("1");
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+ if ("0".equals(withTax)) {
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+ // 不含税：保费 / 1.06
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+ taxFactor = new BigDecimal("1.06");
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+ }
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+
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// 6. 统一处理各险种的费用计算（应收、应付、各类费用）
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processInsuranceType(
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lipf