修改渤海问题

src/main/java/com/ydtech/modules/order/service/impl/BoHaiOrderApiServiceImpl.java

@@ -8,6 +8,7 @@ import com.ydtech.core.page.HttpResult;
 import com.ydtech.exception.SystemException;
 import com.ydtech.modules.admin.model.vo.PersonAreaVo;
 import com.ydtech.modules.admin.service.SysAreaService;
+import com.ydtech.modules.ins.model.cbit.BusinessPolicy;
 import com.ydtech.modules.ins.model.vo.*;
 import com.ydtech.modules.order.components.ConfigureParametersComponents;
 import com.ydtech.modules.order.components.FileComponents;
@@ -621,7 +622,10 @@ public class BoHaiOrderApiServiceImpl implements BoHaiOrderApiService {
         }
 
         // 保费浮动项信息
-        QuotationResponse.DataDTO.BusinessPolicyDTO.FloatingRateOptionDTO floatingRateOption = response.getData().getBusinessPolicy().getFloatingRateOption();
+        QuotationResponse.DataDTO.BusinessPolicyDTO.FloatingRateOptionDTO floatingRateOption = Optional.ofNullable(response.getData().getBusinessPolicy())
+                .map(QuotationResponse.DataDTO.BusinessPolicyDTO::getFloatingRateOption)
+                .orElse(new QuotationResponse.DataDTO.BusinessPolicyDTO.FloatingRateOptionDTO());
+
         quoteRespVo.setExpectedDiscount(floatingRateOption.getAdjustFactor());
         quoteRespVo.setInitialProposalDiscount(floatingRateOption.getNonClaimDiscountRate());