报价时，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

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

@@ -231,6 +231,7 @@ public class QuoteVerificationAspect {
         insFeeOrders.setJyPremium(insOrdersCosts.getJyPremium());
         insFeeOrders.setTotalPremium(insOrdersCosts.getSumPremium());
         // 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
+        AgreementVo agreement = agreementInfoVo.getAgreement();
         String agreementType = agreementInfoVo.getAgreement().getAgreementType();
         BigDecimal jqEntranceFeeRatio = convertPercent(agreementInfoVo.getAgreement().getJqEntranceFeeRatio());
         BigDecimal syEntranceFeeRatio = convertPercent(agreementInfoVo.getAgreement().getSyEntranceFeeRatio());
@@ -250,10 +251,14 @@ public class QuoteVerificationAspect {
         BigDecimal syFollowRatio = calculateFollowRatio(syCostType, syEntranceFeeRatio);
         BigDecimal jyFollowRatio = calculateFollowRatio(jyCostType, jyEntranceFeeRatio);
 
-        // 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）
-        BigDecimal taxFactor = "1".equals(agreementType)
-                ? BigDecimal.ONE
-                : new BigDecimal("1").divide(new BigDecimal("1.06"), 10, RoundingMode.HALF_EVEN);
+        // 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
+        String withTax = agreement.getWithTax();
+        BigDecimal taxFactor = new BigDecimal("1");
+        if ("0".equals(withTax)) {
+            // 不含税：保费 / 1.06
+            taxFactor =  new BigDecimal("1.06");
+        }
+
 
         // 6. 统一处理各险种的费用计算（应收、应付、各类费用）
         processInsuranceType(