迁移892-without-redis分支全量功能

2026-04-15 14:18:56 +08:00
parent 9fe1bffe0d
commit 79c5317414
97 changed files with 10922 additions and 232 deletions
--- a/ruoyi-loan-pricing/pom.xml
+++ b/ruoyi-loan-pricing/pom.xml
@@ -0,0 +1,52 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<project xmlns="http://maven.apache.org/POM/4.0.0"
+         xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+         xsi:schemaLocation="http://maven.apache.org/POM/4.0.0 http://maven.apache.org/xsd/maven-4.0.0.xsd">
+    <parent>
+        <artifactId>ruoyi</artifactId>
+        <groupId>com.ruoyi</groupId>
+        <version>3.9.2</version>
+    </parent>
+    <modelVersion>4.0.0</modelVersion>
+    <packaging>jar</packaging>
+
+    <artifactId>ruoyi-loan-pricing</artifactId>
+
+    <description>
+        利率定价模块
+    </description>
+
+    <dependencies>
+
+        <!-- 通用工具-->
+        <dependency>
+            <groupId>com.ruoyi</groupId>
+            <artifactId>ruoyi-common</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>com.ruoyi</groupId>
+            <artifactId>ruoyi-framework</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>com.ruoyi</groupId>
+            <artifactId>ruoyi-system</artifactId>
+        </dependency>
+
+        <dependency>
+            <groupId>org.projectlombok</groupId>
+            <artifactId>lombok</artifactId>
+            <version>1.18.36</version>
+            <optional>true</optional>
+        </dependency>
+
+        <dependency>
+            <groupId>org.springframework.boot</groupId>
+            <artifactId>spring-boot-starter-test</artifactId>
+            <scope>test</scope>
+        </dependency>
+
+    </dependencies>
+
+</project>
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/controller/LoanPricingWorkflowController.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/controller/LoanPricingWorkflowController.java
@@ -0,0 +1,100 @@
+package com.ruoyi.loanpricing.controller;
+
+import com.baomidou.mybatisplus.core.metadata.IPage;
+import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
+import com.ruoyi.common.annotation.Log;
+import com.ruoyi.common.core.controller.BaseController;
+import com.ruoyi.common.core.domain.AjaxResult;
+import com.ruoyi.common.core.page.PageDomain;
+import com.ruoyi.common.core.page.TableDataInfo;
+import com.ruoyi.common.core.page.TableSupport;
+import com.ruoyi.common.enums.BusinessType;
+import com.ruoyi.loanpricing.domain.dto.CorporateLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.dto.PersonalLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowListVO;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowVO;
+import com.ruoyi.loanpricing.service.ILoanPricingWorkflowService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.validation.annotation.Validated;
+import org.springframework.web.bind.annotation.*;
+
+import java.util.Map;
+
+/**
+ * 利率定价流程Controller
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+@RestController
+@RequestMapping("/loanPricing/workflow")
+public class LoanPricingWorkflowController extends BaseController
+{
+    @Autowired
+    private ILoanPricingWorkflowService loanPricingWorkflowService;
+
+    /**
+     * 发起个人客户利率定价流程
+     */
+    @Log(title = "个人客户利率定价流程", businessType = BusinessType.INSERT)
+    @PostMapping("/create/personal")
+    public AjaxResult createPersonal(@Validated @RequestBody PersonalLoanPricingCreateDTO dto) {
+        LoanPricingWorkflow result = loanPricingWorkflowService.createPersonalLoanPricing(dto);
+        return success(result);
+    }
+
+    /**
+     * 发起企业客户利率定价流程
+     */
+    @Log(title = "企业客户利率定价流程", businessType = BusinessType.INSERT)
+    @PostMapping("/create/corporate")
+    public AjaxResult createCorporate(@Validated @RequestBody CorporateLoanPricingCreateDTO dto)
+    {
+        LoanPricingWorkflow result = loanPricingWorkflowService.createCorporateLoanPricing(dto);
+        return success(result);
+    }
+
+    /**
+     * 查询利率定价流程列表
+     */
+    @GetMapping("/list")
+    public TableDataInfo list(LoanPricingWorkflow loanPricingWorkflow)
+    {
+        PageDomain pageDomain = TableSupport.buildPageRequest();
+        Page<LoanPricingWorkflowListVO> page = new Page<>(pageDomain.getPageNum(), pageDomain.getPageSize());
+        IPage<LoanPricingWorkflowListVO> result = loanPricingWorkflowService.selectLoanPricingPage(page, loanPricingWorkflow);
+        TableDataInfo rspData = new TableDataInfo();
+        rspData.setCode(200);
+        rspData.setMsg("查询成功");
+        rspData.setRows(result.getRecords());
+        rspData.setTotal(result.getTotal());
+        return rspData;
+    }
+
+    /**
+     * 查询利率定价流程详情
+     */
+    @GetMapping("/{serialNum}")
+    public AjaxResult getInfo(@PathVariable("serialNum") String serialNum)
+    {
+        LoanPricingWorkflowVO workflow = loanPricingWorkflowService.selectLoanPricingBySerialNum(serialNum);
+        if (workflow == null)
+        {
+            return error("记录不存在");
+        }
+        return success(workflow);
+    }
+
+    /**
+     * 设定执行利率
+     */
+    @Log(title = "利率定价流程", businessType = BusinessType.UPDATE)
+    @PutMapping("/{serialNum}/executeRate")
+    public AjaxResult setExecuteRate(@PathVariable("serialNum") String serialNum,
+                                     @RequestBody Map<String, String> request) {
+        String executeRate = request.get("executeRate");
+        boolean success = loanPricingWorkflowService.setExecuteRate(serialNum, executeRate);
+        return success ? success() : error("设定失败");
+    }
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/controller/LoanRatePricingMockController.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/controller/LoanRatePricingMockController.java
@@ -0,0 +1,50 @@
+package com.ruoyi.loanpricing.controller;
+
+
+import com.fasterxml.jackson.databind.ObjectMapper;
+import com.fasterxml.jackson.databind.node.ObjectNode;
+import com.ruoyi.common.annotation.Anonymous;
+import com.ruoyi.common.core.controller.BaseController;
+import com.ruoyi.common.core.domain.AjaxResult;
+import com.ruoyi.loanpricing.domain.dto.ModelInvokeDTO;
+import org.springframework.core.io.ClassPathResource;
+import org.springframework.web.bind.annotation.*;
+
+
+import java.io.InputStream;
+
+
+/**
+ * @Author 吴凯程
+ * @Date 2025/11/10
+ **/
+@RestController
+@RequestMapping("/rate/pricing/mock")
+public class LoanRatePricingMockController extends BaseController {
+
+    @Anonymous
+    @PostMapping("/invokeModel")
+    public AjaxResult invokeModel( ModelInvokeDTO modelInvokeDTO) {
+        ObjectNode jsonNodes;
+        if (modelInvokeDTO.getCustType().equals("个人")) {
+            jsonNodes = loadJsonFromResource("data/retail_output.json");
+        } else {
+            jsonNodes = loadJsonFromResource("data/corp_output.json");
+        }
+
+        return new AjaxResult(10000, "success", jsonNodes);
+    }
+
+    private ObjectNode loadJsonFromResource(String resourcePath){
+        ClassPathResource classPathResource = new ClassPathResource(resourcePath);
+        try (InputStream inputStream = classPathResource.getInputStream();){
+
+            ObjectMapper objectMapper = new ObjectMapper();
+            return objectMapper.readValue(inputStream, ObjectNode.class);
+        } catch (Exception e) {
+            throw new RuntimeException(e);
+        }
+    }
+
+
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/CorporateLoanPricingCreateDTO.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/CorporateLoanPricingCreateDTO.java
@@ -0,0 +1,48 @@
+package com.ruoyi.loanpricing.domain.dto;
+
+import lombok.Data;
+import java.io.Serializable;
+import javax.validation.constraints.NotBlank;
+import javax.validation.constraints.Pattern;
+
+/**
+ * 企业客户利率定价发起DTO
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+@Data
+public class CorporateLoanPricingCreateDTO implements Serializable {
+
+    private static final long serialVersionUID = 1L;
+
+    @NotBlank(message = "客户内码不能为空")
+    private String custIsn;
+
+    private String custName;
+
+    private String idType;
+
+    private String idNum;
+
+    @NotBlank(message = "担保方式不能为空")
+    @Pattern(regexp = "^(信用|保证|抵押|质押)$", message = "担保方式必须是：信用、保证、抵押、质押之一")
+    private String guarType;
+
+    @NotBlank(message = "申请金额不能为空")
+    private String applyAmt;
+
+    private String loanTerm;
+
+    private String isAgriGuar;
+
+    private String isGreenLoan;
+
+    private String isTechEnt;
+
+    private String isTradeConstruction;
+
+    private String collType;
+
+    private String collThirdParty;
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java
@@ -0,0 +1,170 @@
+package com.ruoyi.loanpricing.domain.dto;
+
+import lombok.Data;
+
+/**
+ * @Author 吴凯程
+ * @Date 2025/12/23
+ **/
+@Data
+public class ModelInvokeDTO {
+    /**
+     * 业务方流水号（必填）
+     * 可使用时间戳，或自定义随机生成
+     */
+    private String serialNum;
+
+    /**
+     * 机构编码（必填）
+     * 固定值：892000
+     */
+    private String orgCode;
+
+    /**
+     * 运行模式（必填）
+     * 固定值：1:同步
+     */
+    private String runType = "1";
+
+    /**
+     * 客户内码（必填）
+     */
+    private String custIsn;
+
+    /**
+     * 客户类型（必填）
+     * 可选值：个人/企业
+     */
+    private String custType;
+
+    /**
+     * 担保方式（必填）
+     * 可选值：信用,保证,抵押,质押
+     */
+    private String guarType;
+
+    /**
+     * 中间业务_个人_快捷支付（非必填）
+     * 可选值：true/false
+     */
+    private String midPerQuickPay;
+
+    /**
+     * 中间业务_个人_电费代扣（非必填）
+     * 可选值：true/false
+     */
+    private String midPerEleDdc;
+
+    /**
+     * 中间业务_企业_电费代扣（非必填）
+     * 可选值：true/false
+     */
+    private String midEntEleDdc;
+
+    /**
+     * 中间业务_企业_水费代扣（非必填）
+     * 可选值：true/false
+     */
+    private String midEntWaterDdc;
+
+    /**
+     * 申请金额（必填）
+     * 单位：元
+     */
+    private String applyAmt;
+
+    /**
+     * 贷款期限（必填）
+     * 单位：年
+     */
+    private String loanTerm;
+
+    /**
+     * 净身企业（非必填）
+     * 可选值：true/false
+     */
+    private String isCleanEnt;
+
+    /**
+     * 开立基本结算账户（非必填）
+     * 可选值：true/false
+     */
+    private String hasSettleAcct;
+
+    /**
+     * 制造业企业（非必填）
+     * 可选值：true/false
+     */
+    private String isManufacturing;
+
+    /**
+     * 省农担担保贷款（非必填）
+     * 可选值：true/false
+     */
+    private String isAgriGuar;
+
+    /**
+     * 是否纳税信用等级A级（非必填）
+     * 可选值：true/false
+     */
+    private String isTaxA;
+
+    /**
+     * 是否县级及以上农业龙头企业（非必填）
+     * 可选值：true/false
+     */
+    private String isAgriLeading;
+
+    private String isInclusiveFinance;
+
+    /**
+     * 贷款用途（非必填）
+     * 可选值：consumer/business
+     */
+    private String loanPurpose;
+
+    /**
+     * 是否有经营佐证（非必填）
+     * 可选值：0/1
+     */
+    private String bizProof;
+
+    /**
+     * 循环功能（非必填）
+     * 可选值：0/1
+     */
+    private String loanLoop;
+
+    /**
+     * 抵质押类型（非必填）
+     * 可选值：一类/二类/三类
+     */
+    private String collType;
+
+    /**
+     * 抵质押物是否三方所有（非必填）
+     * 可选值：0/1
+     */
+    private String collThirdParty;
+
+//    /**
+//     * 贷款利率（必填）
+//     */
+//    private String loanRate;
+
+    /**
+     * 客户名称（非必填）
+     */
+    private String custName;
+
+    /**
+     * 证件类型（非必填）
+     */
+    private String idType;
+
+    /**
+     * 证件号码（非必填）
+     */
+    private String idNum;
+
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java
@@ -0,0 +1,49 @@
+package com.ruoyi.loanpricing.domain.dto;
+
+import lombok.Data;
+import java.io.Serializable;
+import javax.validation.constraints.NotBlank;
+import javax.validation.constraints.Pattern;
+
+/**
+ * 个人客户利率定价发起DTO
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+@Data
+public class PersonalLoanPricingCreateDTO implements Serializable {
+
+    private static final long serialVersionUID = 1L;
+
+    @NotBlank(message = "客户内码不能为空")
+    private String custIsn;
+
+    private String custName;
+
+    private String idType;
+
+    private String idNum;
+
+    @NotBlank(message = "担保方式不能为空")
+    @Pattern(regexp = "^(信用|保证|抵押|质押)$", message = "担保方式必须是：信用、保证、抵押、质押之一")
+    private String guarType;
+
+    @NotBlank(message = "申请金额不能为空")
+    private String applyAmt;
+
+    @NotBlank(message = "贷款用途不能为空")
+    @Pattern(regexp = "^(consumer|business)$", message = "贷款用途必须是：consumer、business之一")
+    private String loanPurpose;
+
+    @NotBlank(message = "借款期限不能为空")
+    private String loanTerm;
+
+    private String bizProof;
+
+    private String loanLoop;
+
+    private String collType;
+
+    private String collThirdParty;
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/LoanPricingWorkflow.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/LoanPricingWorkflow.java
@@ -0,0 +1,159 @@
+package com.ruoyi.loanpricing.domain.entity;
+
+import com.baomidou.mybatisplus.annotation.*;
+import com.fasterxml.jackson.annotation.JsonFormat;
+import lombok.Data;
+import javax.validation.constraints.NotBlank;
+
+import java.io.Serializable;
+import java.util.Date;
+
+/**
+ * 利率定价流程对象 loan_pricing_workflow
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+@Data
+@TableName("loan_pricing_workflow")
+public class LoanPricingWorkflow implements Serializable
+{
+    private static final long serialVersionUID = 1L;
+
+    /** 主键ID */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 模型输出ID */
+    private Long modelOutputId;
+
+    /** 业务方流水号 */
+    private String serialNum;
+
+    /** 机构编码 */
+    private String orgCode;
+
+    /** 运行模式: 1-同步 */
+    private String runType;
+
+    /** 客户内码 */
+    @NotBlank(message = "客户内码不能为空")
+    private String custIsn;
+
+    /** 客户类型: 个人/企业 */
+    @NotBlank(message = "客户类型不能为空")
+    private String custType;
+
+    /** 担保方式: 信用/保证/抵押/质押 */
+    @NotBlank(message = "担保方式不能为空")
+    private String guarType;
+
+    /** 中间业务_个人_快捷支付: true/false */
+    private String midPerQuickPay;
+
+    /** 中间业务_个人_电费代扣: true/false */
+    private String midPerEleDdc;
+
+    /** 中间业务_企业_电费代扣: true/false */
+    private String midEntEleDdc;
+
+    /** 中间业务_企业_水费代扣: true/false */
+    private String midEntWaterDdc;
+
+    /** 申请金额(元) */
+    @NotBlank(message = "申请金额不能为空")
+    private String applyAmt;
+
+    /**
+     * 贷款期限
+     */
+    private String loanTerm;
+
+    /** 净身企业: true/false */
+    private String isCleanEnt;
+
+    /** 开立基本结算账户: true/false */
+    private String hasSettleAcct;
+
+    /** 制造业企业: true/false */
+    private String isManufacturing;
+
+    /** 省农担担保贷款: true/false */
+    private String isAgriGuar;
+
+    /**
+     * 贸易和建筑业企业标识: true/false
+     */
+    private String isTradeConstruction;
+
+    /**
+     * 绿色贷款: true/false
+     */
+    private String isGreenLoan;
+
+    /**
+     * 科技型企业: true/false
+     */
+    private String isTechEnt;
+
+    /** 是否纳税信用等级A级: true/false */
+    private String isTaxA;
+
+    /** 是否县级及以上农业龙头企业: true/false */
+    private String isAgriLeading;
+
+    /** 贷款用途: consumer-消费/business-经营 */
+    private String loanPurpose;
+
+    /** 是否有经营佐证: true/false */
+    private String bizProof;
+
+    /** 循环功能: true/false */
+    private String loanLoop;
+
+    /** 抵质押类型: 一线/一类/二类 */
+    private String collType;
+
+    /** 抵质押物是否三方所有: true/false */
+    private String collThirdParty;
+
+    /** 贷款利率 */
+    private String loanRate;
+
+    /**
+     * 执行利率(%)
+     */
+    private String executeRate;
+
+    /** 客户名称 */
+    private String custName;
+
+    /**
+     * 证件类型
+     */
+    private String idType;
+
+    /** 证件号码 */
+    private String idNum;
+
+    /** 是否普惠小微借款人: true/false */
+    private String isInclusiveFinance;
+
+    /** 创建者 */
+    @TableField(fill = FieldFill.INSERT)
+    private String createBy;
+
+    /** 创建时间 */
+    @JsonFormat(pattern = "yyyy-MM-dd HH:mm:ss")
+    @TableField(fill = FieldFill.INSERT)
+    private Date createTime;
+
+    /** 更新者 */
+    @TableField(fill = FieldFill.INSERT_UPDATE)
+    private String updateBy;
+
+    /** 更新时间 */
+    @JsonFormat(pattern = "yyyy-MM-dd HH:mm:ss")
+    @TableField(fill = FieldFill.INSERT_UPDATE)
+    private Date updateTime;
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/ModelCorpOutputFields.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/ModelCorpOutputFields.java
@@ -0,0 +1,125 @@
+package com.ruoyi.loanpricing.domain.entity;
+
+import com.baomidou.mybatisplus.annotation.FieldFill;
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableField;
+import com.baomidou.mybatisplus.annotation.TableId;
+import lombok.Data;
+
+import java.util.Date;
+
+/**
+ * 贷款定价模型输入参数对象
+ *
+ * @author ruoyi
+ * @date 2025-01-21
+ */
+@Data
+public class ModelCorpOutputFields {
+
+    @TableId(type = IdType.AUTO)
+    private Long id;
+    // 客户内码
+    private String custIsn;
+    // 客户类型
+    private String custType;
+    // 担保方式
+    private String guarType;
+    // 客户名称
+    private String custName;
+    // 证件类型
+    private String idType;
+    // 证件号码
+    private String idNum;
+    // 基准利率
+    private String baseLoanRate;
+    // 我行首贷客户
+    private String isFirstLoan;
+    // 用信天数
+    private String faithDay;
+    // BP_首贷
+    private String bpFirstLoan;
+    // BP_贷龄
+    private String bpAgeLoan;
+    // TOTAL_BP_忠诚度
+    private String totalBpLoyalty;
+    // 存款年日均
+    private String balanceAvg;
+    // 贷款年日均
+    private String loanAvg;
+    // 派生率
+    private String derivationRate;
+    // TOTAL_BP_贡献度
+    private String totalBpContribution;
+    // 中间业务_企业_企业互联
+    private String midEntConnect;
+    // 中间业务_企业_有效价值客户
+    private String midEntEffect;
+    // 中间业务_企业_国际业务
+    private String midEntInter;
+    // 中间业务_企业_承兑
+    private String midEntAccept;
+    // 中间业务_企业_贴现
+    private String midEntDiscount;
+    // 中间业务_企业_电费代扣
+    private String midEntEleDdc;
+    // 中间业务_企业_水费代扣
+    private String midEntWaterDdc;
+    // 中间业务_企业_税务代扣
+    private String midEntTax;
+    // BP_中间业务
+    private String bpMid;
+    // 代发工资户数
+    private String payroll;
+    // 存量贷款余额
+    private String invLoanAmount;
+    // BP_代发工资
+    private String bpPayroll;
+    // 净身企业
+    private String isCleanEnt;
+    // 开立基本结算账户
+    private String hasSettleAcct;
+    // 省农担担保贷款
+    private String isAgriGuar;
+    // 绿色贷款
+    private String isGreenLoan;
+    // 科技型企业
+    private String isTechEnt;
+    // BP_企业客户类别
+    private String bpEntType;
+    // TOTAL_BP_关联度
+    private String totoalBpRelevance;
+    // 贷款期限
+    private String loanTerm;
+    // BP_贷款期限
+    private String bpLoanTerm;
+    // 申请金额
+    private String applyAmt;
+    // BP_贷款额度
+    private String bpLoanAmount;
+    // 抵质押类型
+    private String collType;
+    // 抵质押物是否三方所有
+    private String collThirdParty;
+    // BP_抵押物
+    private String bpCollateral;
+    // 灰名单客户
+    private String greyCust;
+    // 本金逾期
+    private String prinOverdue;
+    // 利息逾期
+    private String interestOverdue;
+    // 信用卡逾期
+    private String cardOverdue;
+    // BP_灰名单与逾期
+    private String bpGreyOverdue;
+    // TOTAL_BP_风险度
+    private String totoalBpRisk;
+    // 浮动BP
+    private String totalBp;
+    // 测算利率
+    private String calculateRate;
+
+    @TableField(fill = FieldFill.INSERT)
+    private Date createTime;
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/ModelRetailOutputFields.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/ModelRetailOutputFields.java
@@ -0,0 +1,190 @@
+package com.ruoyi.loanpricing.domain.entity;
+
+import com.baomidou.mybatisplus.annotation.FieldFill;
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableField;
+import com.baomidou.mybatisplus.annotation.TableId;
+import lombok.Data;
+
+import java.util.Date;
+
+/**
+ * 贷款定价模型输入参数对象
+ *
+ * @author ruoyi
+ * @date 2025-01-21
+ */
+@Data
+public class ModelRetailOutputFields {
+
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    // 客户内码
+    private String custIsn;
+
+    // 客户类型
+    private String custType;
+
+    // 担保方式
+    private String guarType;
+
+    // 客户名称
+    private String custName;
+
+    // 证件类型
+    private String idType;
+
+    // 证件号码
+    private String idNum;
+
+    // 基准利率
+    private String baseLoanRate;
+
+    // 我行首贷客户
+    private String isFirstLoan;
+
+    // 用信天数
+    private String faithDay;
+
+    // 客户年龄
+    private String custAge;
+
+    // BP_首贷
+    private String bpFirstLoan;
+
+    // BP_贷龄
+    private String bpAgeLoan;
+
+    // BP_年龄
+    private String bpAge;
+
+    // TOTAL_BP_忠诚度
+    private String totalBpLoyalty;
+
+    // 存款年日均
+    private String balanceAvg;
+
+    // 贷款年日均
+    private String loanAvg;
+
+    // 派生率
+    private String derivationRate;
+
+    // TOTAL_BP_贡献度
+    private String totalBpContribution;
+
+    // 中间业务_个人_信用卡
+    private String midPerCard;
+
+    // 中间业务_个人_一码通
+    private String midPerPass;
+
+    // 中间业务_个人_丰收互联
+    private String midPerHarvest;
+
+    // 中间业务_个人_有效客户
+    private String midPerEffect;
+
+    // 中间业务_个人_快捷支付
+    private String midPerQuickPay;
+
+    // 中间业务_个人_电费代扣
+    private String midPerEleDdc;
+
+    // 中间业务_个人_水费代扣
+    private String midPerWaterDdc;
+
+    // 中间业务_个人_华数费代扣
+    private String midPerHuashuDdc;
+
+    // 中间业务_个人_煤气费代扣
+    private String MidPerGasDdc;
+
+    // 中间业务_个人_市民卡
+    private String midPerCitizencard;
+
+    // 中间业务_个人_理财业务
+    private String midPerFinMan;
+
+    // 中间业务_个人_etc
+    private String midPerEtc;
+
+    // BP_中间业务
+    private String bpMid;
+
+    // TOTAL_BP_关联度（注意原字段名拼写错误：totoalBpRelevance，已保留原拼写）
+    private String totoalBpRelevance;
+
+    // 申请金额
+    private String applyAmt;
+
+    // BP_贷款额度
+    private String bpLoanAmount;
+
+    // 贷款用途
+    private String loanPurpose;
+
+    // 是否有经营佐证
+    private String bizProof;
+
+    // BP_贷款用途
+    private String bpLoanUse;
+
+    // 循环功能
+    private String loanLoop;
+
+    // BP_循环功能
+    private String bpLoanLoop;
+
+    // 抵质押类型
+    private String collType;
+
+    // 抵质押物是否三方所有
+    private String collThirdParty;
+
+    // BP_抵押物
+    private String bpCollateral;
+
+    // 灰名单客户
+    private String greyCust;
+
+    // 本金逾期
+    private String prinOverdue;
+
+    // 利息逾期
+    private String interestOverdue;
+
+    // 信用卡逾期
+    private String cardOverdue;
+
+    // BP_灰名单与逾期
+    private String bpGreyOverdue;
+
+    // TOTAL_BP_风险度（注意原字段名拼写错误：totoalBpRisk，已保留原拼写）
+    private String totoalBpRisk;
+
+    // 浮动BP
+    private String totalBp;
+
+    // 测算利率
+    private String calculateRate;
+
+    // 历史利率
+    private String loanRateHistory;
+
+    // 产品最低利率下限
+    private String minRateProduct;
+
+    // 平滑幅度
+    private String smoothRange;
+
+    // 最终测算利率
+    private String finalCalculateRate;
+
+    // 参考利率
+    private String referenceRate;
+
+    @TableField(fill = FieldFill.INSERT)
+    private Date createTime;
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/vo/LoanPricingWorkflowListVO.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/vo/LoanPricingWorkflowListVO.java
@@ -0,0 +1,27 @@
+package com.ruoyi.loanpricing.domain.vo;
+
+import lombok.Data;
+
+import java.util.Date;
+
+@Data
+public class LoanPricingWorkflowListVO
+{
+    private String serialNum;
+
+    private String custName;
+
+    private String custType;
+
+    private String guarType;
+
+    private String applyAmt;
+
+    private String calculateRate;
+
+    private String executeRate;
+
+    private Date createTime;
+
+    private String createBy;
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/vo/LoanPricingWorkflowVO.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/vo/LoanPricingWorkflowVO.java
@@ -0,0 +1,21 @@
+package com.ruoyi.loanpricing.domain.vo;
+
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.domain.entity.ModelCorpOutputFields;
+import com.ruoyi.loanpricing.domain.entity.ModelRetailOutputFields;
+import lombok.Data;
+
+/**
+ * @Author: wkc
+ * @CreateTime: 2026-01-21
+ */
+@Data
+public class LoanPricingWorkflowVO {
+
+    private LoanPricingWorkflow loanPricingWorkflow;
+
+    private ModelRetailOutputFields modelRetailOutputFields;
+
+    private ModelCorpOutputFields modelCorpOutputFields;
+
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/mapper/LoanPricingWorkflowMapper.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/mapper/LoanPricingWorkflowMapper.java
@@ -0,0 +1,20 @@
+package com.ruoyi.loanpricing.mapper;
+
+import com.baomidou.mybatisplus.core.metadata.IPage;
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowListVO;
+import org.apache.ibatis.annotations.Param;
+
+/**
+ * 利率定价流程Mapper接口
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+public interface LoanPricingWorkflowMapper extends BaseMapper<LoanPricingWorkflow>
+{
+    IPage<LoanPricingWorkflowListVO> selectWorkflowPageWithRates(Page<?> page,
+                                                                 @Param("query") LoanPricingWorkflow query);
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/mapper/ModelCorpOutputFieldsMapper.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/mapper/ModelCorpOutputFieldsMapper.java
@@ -0,0 +1,15 @@
+package com.ruoyi.loanpricing.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.ruoyi.loanpricing.domain.entity.ModelCorpOutputFields;
+
+/**
+ * 对公贷款定价模型输出字段Mapper接口
+ *
+ * @author ruoyi
+ * @date 2025-01-21
+ */
+public interface ModelCorpOutputFieldsMapper extends BaseMapper<ModelCorpOutputFields>
+{
+
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/mapper/ModelRetailOutputFieldsMapper.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/mapper/ModelRetailOutputFieldsMapper.java
@@ -0,0 +1,15 @@
+package com.ruoyi.loanpricing.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.ruoyi.loanpricing.domain.entity.ModelRetailOutputFields;
+
+/**
+ * 零售贷款定价模型输出字段Mapper接口
+ *
+ * @author ruoyi
+ * @date 2025-01-21
+ */
+public interface ModelRetailOutputFieldsMapper extends BaseMapper<ModelRetailOutputFields>
+{
+
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/ILoanPricingWorkflowService.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/ILoanPricingWorkflowService.java
@@ -0,0 +1,70 @@
+package com.ruoyi.loanpricing.service;
+
+import com.baomidou.mybatisplus.core.metadata.IPage;
+import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
+import com.ruoyi.loanpricing.domain.dto.CorporateLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.dto.PersonalLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowListVO;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowVO;
+
+import java.util.List;
+
+/**
+ * 利率定价流程Service接口
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+public interface ILoanPricingWorkflowService
+{
+    /**
+     * 发起个人客户利率定价流程
+     *
+     * @param dto 个人客户发起DTO
+     * @return 结果
+     */
+    public LoanPricingWorkflow createPersonalLoanPricing(PersonalLoanPricingCreateDTO dto);
+
+    /**
+     * 发起企业客户利率定价流程
+     *
+     * @param dto 企业客户发起DTO
+     * @return 结果
+     */
+    public LoanPricingWorkflow createCorporateLoanPricing(CorporateLoanPricingCreateDTO dto);
+
+    /**
+     * 查询利率定价流程列表
+     *
+     * @param loanPricingWorkflow 利率定价流程信息
+     * @return 利率定价流程集合
+     */
+    public List<LoanPricingWorkflow> selectLoanPricingList(LoanPricingWorkflow loanPricingWorkflow);
+
+    /**
+     * 分页查询利率定价流程列表
+     *
+     * @param page 分页参数
+     * @param loanPricingWorkflow 利率定价流程信息
+     * @return 分页结果
+     */
+    public IPage<LoanPricingWorkflowListVO> selectLoanPricingPage(Page<LoanPricingWorkflowListVO> page, LoanPricingWorkflow loanPricingWorkflow);
+
+    /**
+     * 查询利率定价流程详情
+     *
+     * @param serialNum 业务方流水号
+     * @return 利率定价流程
+     */
+    public LoanPricingWorkflowVO selectLoanPricingBySerialNum(String serialNum);
+
+    /**
+     * 设定执行利率
+     *
+     * @param serialNum   业务方流水号
+     * @param executeRate 执行利率
+     * @return 是否成功
+     */
+    public boolean setExecuteRate(String serialNum, String executeRate);
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java
@@ -0,0 +1,109 @@
+package com.ruoyi.loanpricing.service;
+
+import com.alibaba.fastjson2.JSON;
+import com.alibaba.fastjson2.JSONObject;
+import com.ruoyi.common.utils.bean.BeanUtils;
+import com.ruoyi.loanpricing.domain.dto.ModelInvokeDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.domain.entity.ModelCorpOutputFields;
+import com.ruoyi.loanpricing.domain.entity.ModelRetailOutputFields;
+import com.ruoyi.loanpricing.mapper.LoanPricingWorkflowMapper;
+import com.ruoyi.loanpricing.mapper.ModelCorpOutputFieldsMapper;
+import com.ruoyi.loanpricing.mapper.ModelRetailOutputFieldsMapper;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.scheduling.annotation.Async;
+import org.springframework.scheduling.annotation.EnableAsync;
+import org.springframework.stereotype.Service;
+import java.util.Objects;
+import javax.annotation.Resource;
+
+/**
+ * @Author: wkc
+ * @CreateTime: 2026-01-21
+ */
+@Service
+@Slf4j
+@EnableAsync
+public class LoanPricingModelService {
+
+    @Resource
+    private ModelService modelService;
+
+    @Resource
+    private LoanPricingWorkflowMapper loanPricingWorkflowMapper;
+
+    @Resource
+    private ModelRetailOutputFieldsMapper modelRetailOutputFieldsMapper;
+
+    @Resource
+    private ModelCorpOutputFieldsMapper modelCorpOutputFieldsMapper;
+
+    @Resource
+    private SensitiveFieldCryptoService sensitiveFieldCryptoService;
+
+    public void invokeModelAsync(Long workflowId) {
+        LoanPricingWorkflow loanPricingWorkflow = loanPricingWorkflowMapper.selectById(workflowId);
+        if (Objects.isNull(loanPricingWorkflow)){
+            log.error("未找到对应的流程信息，未调用模型服务");
+            return;
+        }
+        try
+        {
+            loanPricingWorkflow.setCustName(sensitiveFieldCryptoService.decrypt(loanPricingWorkflow.getCustName()));
+            loanPricingWorkflow.setIdNum(sensitiveFieldCryptoService.decrypt(loanPricingWorkflow.getIdNum()));
+        }
+        catch (RuntimeException ex)
+        {
+            log.error("贷款定价模型调用前敏感字段解密失败", ex);
+            throw ex;
+        }
+        ModelInvokeDTO modelInvokeDTO = new ModelInvokeDTO();
+        BeanUtils.copyProperties(loanPricingWorkflow, modelInvokeDTO);
+        if ("个人".equals(loanPricingWorkflow.getCustType()))
+        {
+            normalizePersonalModelInvokeDTO(modelInvokeDTO);
+        }
+        JSONObject response = modelService.invokeModel(modelInvokeDTO);
+        if (loanPricingWorkflow.getCustType().equals("个人")){
+            // 个人模型
+            ModelRetailOutputFields modelRetailOutputFields = JSON.parseObject(response.toJSONString(), ModelRetailOutputFields.class);
+            modelRetailOutputFieldsMapper.insert(modelRetailOutputFields);
+            log.info("个人模型调用成功");
+            LoanPricingWorkflow workflowToUpdate = new LoanPricingWorkflow();
+            workflowToUpdate.setId(loanPricingWorkflow.getId());
+            workflowToUpdate.setModelOutputId(modelRetailOutputFields.getId());
+            loanPricingWorkflowMapper.updateById(workflowToUpdate);
+            log.info("更新流程信息成功");
+        }else if (loanPricingWorkflow.getCustType().equals("企业")){
+            // 企业模型
+            ModelCorpOutputFields modelCorpOutputFields = JSON.parseObject(response.toJSONString(), ModelCorpOutputFields.class);
+            modelCorpOutputFieldsMapper.insert(modelCorpOutputFields);
+            log.info("企业模型调用成功");
+            LoanPricingWorkflow workflowToUpdate = new LoanPricingWorkflow();
+            workflowToUpdate.setId(loanPricingWorkflow.getId());
+            workflowToUpdate.setModelOutputId(modelCorpOutputFields.getId());
+            loanPricingWorkflowMapper.updateById(workflowToUpdate);
+            log.info("更新流程信息成功");
+        }
+    }
+
+    private void normalizePersonalModelInvokeDTO(ModelInvokeDTO modelInvokeDTO)
+    {
+        modelInvokeDTO.setBizProof(toZeroOne(modelInvokeDTO.getBizProof()));
+        modelInvokeDTO.setLoanLoop(toZeroOne(modelInvokeDTO.getLoanLoop()));
+        modelInvokeDTO.setCollThirdParty(toZeroOne(modelInvokeDTO.getCollThirdParty()));
+    }
+
+    private String toZeroOne(String value)
+    {
+        if ("true".equals(value) || "1".equals(value))
+        {
+            return "1";
+        }
+        if ("false".equals(value) || "0".equals(value))
+        {
+            return "0";
+        }
+        return value;
+    }
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingSensitiveDisplayService.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingSensitiveDisplayService.java
@@ -0,0 +1,46 @@
+package com.ruoyi.loanpricing.service;
+
+import org.springframework.stereotype.Service;
+import org.springframework.util.StringUtils;
+
+@Service
+public class LoanPricingSensitiveDisplayService
+{
+    public String maskCustName(String custName)
+    {
+        if (!StringUtils.hasText(custName))
+        {
+            return custName;
+        }
+        if (custName.contains("公司") && custName.length() > 4)
+        {
+            return custName.substring(0, 2) + "*".repeat(custName.length() - 4) + custName.substring(custName.length() - 2);
+        }
+        if (custName.length() == 1)
+        {
+            return custName;
+        }
+        return custName.substring(0, 1) + "*".repeat(custName.length() - 1);
+    }
+
+    public String maskIdNum(String idNum)
+    {
+        if (!StringUtils.hasText(idNum))
+        {
+            return idNum;
+        }
+        if (idNum.startsWith("91") && idNum.length() == 18)
+        {
+            return idNum.substring(0, 2) + "*".repeat(13) + idNum.substring(idNum.length() - 3);
+        }
+        if (idNum.matches("\\d{17}[\\dXx]"))
+        {
+            return idNum.substring(0, 4) + "*".repeat(8) + idNum.substring(idNum.length() - 4);
+        }
+        if (idNum.length() > 5)
+        {
+            return idNum.substring(0, 2) + "*".repeat(idNum.length() - 5) + idNum.substring(idNum.length() - 3);
+        }
+        return "*".repeat(idNum.length());
+    }
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/ModelService.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/ModelService.java
@@ -0,0 +1,70 @@
+package com.ruoyi.loanpricing.service;
+
+import com.alibaba.fastjson2.JSON;
+import com.alibaba.fastjson2.JSONObject;
+import com.alibaba.fastjson2.TypeReference;
+import com.ruoyi.common.core.domain.entity.SysDictData;
+import com.ruoyi.common.core.redis.RedisCache;
+import com.ruoyi.common.exception.ServiceException;
+import com.ruoyi.common.utils.http.HttpUtils;
+import com.ruoyi.loanpricing.domain.dto.ModelInvokeDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import org.springframework.beans.factory.annotation.Value;
+
+
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.scheduling.annotation.EnableAsync;
+import org.springframework.stereotype.Service;
+
+import java.util.Map;
+import java.util.Objects;
+
+/**
+ * @Author 吴凯程
+ * @Date 2025/12/11
+ **/
+@Service
+@Slf4j
+@EnableAsync
+public class ModelService {
+
+    @Value("${model.url}")
+    private String modelUrl;
+
+
+
+    public JSONObject invokeModel(ModelInvokeDTO modelInvokeDTO) {
+        Map<String, String> requestBody = entityToMap(modelInvokeDTO);
+        JSONObject response = HttpUtils.doPostFormUrlEncoded(modelUrl, requestBody, null, JSONObject.class);
+        log.info("------------------->调用模型返回结果:" + JSON.toJSONString(response));
+        if(Objects.nonNull(response) && response.containsKey("code") && response.getInteger("code") == 10000){
+            JSONObject mappingOutputFields = response.getJSONObject("data").getJSONObject("mappingOutputFields");
+//            return JSON.parseObject(mappingOutputFields.toJSONString(), ModelOutputFields.class);
+            return mappingOutputFields;
+        }else{
+            log.error("------------------->调用模型失败,失败原因为:" + response.getString("message"));
+            throw new ServiceException("调用模型失败");
+        }
+    }
+
+    /**
+     * 使用FastJSON将实体类转换为Map<String, String>
+     * @param obj 待转换的实体类对象
+     * @return 转换后的Map
+     */
+    public static Map<String, String> entityToMap(Object obj) {
+        if (obj == null) {
+            return null;
+        }
+        // 先转为JSON字符串，再转换为指定类型的Map
+        String jsonStr = JSON.toJSONString(obj);
+        return JSON.parseObject(jsonStr, new TypeReference<Map<String, String>>() {});
+    }
+
+
+
+
+
+
+
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/SensitiveFieldCryptoService.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/SensitiveFieldCryptoService.java
@@ -0,0 +1,68 @@
+package com.ruoyi.loanpricing.service;
+
+import com.ruoyi.common.exception.ServiceException;
+import org.springframework.beans.factory.annotation.Value;
+import org.springframework.stereotype.Service;
+import org.springframework.util.StringUtils;
+
+import javax.crypto.Cipher;
+import javax.crypto.spec.SecretKeySpec;
+import java.nio.charset.StandardCharsets;
+import java.util.Base64;
+
+@Service
+public class SensitiveFieldCryptoService
+{
+    private final String key;
+
+    public SensitiveFieldCryptoService(@Value("${loan-pricing.sensitive.key:}") String key)
+    {
+        this.key = key;
+    }
+
+    public String encrypt(String plainText)
+    {
+        validateKey();
+        if (!StringUtils.hasText(plainText))
+        {
+            return plainText;
+        }
+        try
+        {
+            Cipher cipher = Cipher.getInstance("AES/ECB/PKCS5Padding");
+            cipher.init(Cipher.ENCRYPT_MODE, new SecretKeySpec(key.getBytes(StandardCharsets.UTF_8), "AES"));
+            return Base64.getEncoder().encodeToString(cipher.doFinal(plainText.getBytes(StandardCharsets.UTF_8)));
+        }
+        catch (Exception ex)
+        {
+            throw new ServiceException("贷款定价敏感字段加密失败");
+        }
+    }
+
+    public String decrypt(String cipherText)
+    {
+        validateKey();
+        if (!StringUtils.hasText(cipherText))
+        {
+            return cipherText;
+        }
+        try
+        {
+            Cipher cipher = Cipher.getInstance("AES/ECB/PKCS5Padding");
+            cipher.init(Cipher.DECRYPT_MODE, new SecretKeySpec(key.getBytes(StandardCharsets.UTF_8), "AES"));
+            return new String(cipher.doFinal(Base64.getDecoder().decode(cipherText)), StandardCharsets.UTF_8);
+        }
+        catch (Exception ex)
+        {
+            throw new ServiceException("贷款定价敏感字段解密失败");
+        }
+    }
+
+    private void validateKey()
+    {
+        if (!StringUtils.hasText(key))
+        {
+            throw new IllegalStateException("loan-pricing.sensitive.key 未配置");
+        }
+    }
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImpl.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImpl.java
@@ -0,0 +1,262 @@
+package com.ruoyi.loanpricing.service.impl;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.baomidou.mybatisplus.core.metadata.IPage;
+import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
+import com.ruoyi.loanpricing.domain.dto.CorporateLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.dto.PersonalLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.domain.entity.ModelCorpOutputFields;
+import com.ruoyi.loanpricing.domain.entity.ModelRetailOutputFields;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowListVO;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowVO;
+import com.ruoyi.loanpricing.mapper.LoanPricingWorkflowMapper;
+import com.ruoyi.loanpricing.mapper.ModelCorpOutputFieldsMapper;
+import com.ruoyi.loanpricing.mapper.ModelRetailOutputFieldsMapper;
+import com.ruoyi.loanpricing.service.ILoanPricingWorkflowService;
+import com.ruoyi.loanpricing.service.LoanPricingSensitiveDisplayService;
+import com.ruoyi.loanpricing.service.LoanPricingModelService;
+import com.ruoyi.loanpricing.service.SensitiveFieldCryptoService;
+import com.ruoyi.loanpricing.util.LoanPricingConverter;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.util.StringUtils;
+import java.text.SimpleDateFormat;
+import java.util.Date;
+import java.util.List;
+import java.util.Objects;
+import javax.annotation.Resource;
+
+/**
+ * 利率定价流程Service业务层处理
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+@Service
+public class LoanPricingWorkflowServiceImpl implements ILoanPricingWorkflowService
+{
+    @Resource
+    private LoanPricingWorkflowMapper loanPricingWorkflowMapper;
+
+    @Resource
+    private LoanPricingModelService loanPricingModelService;
+
+    @Resource
+    private ModelRetailOutputFieldsMapper modelRetailOutputFieldsMapper;
+
+    @Resource
+    private ModelCorpOutputFieldsMapper modelCorpOutputFieldsMapper;
+
+    @Resource
+    private SensitiveFieldCryptoService sensitiveFieldCryptoService;
+
+    @Resource
+    private LoanPricingSensitiveDisplayService loanPricingSensitiveDisplayService;
+
+
+    /**
+     * 发起利率定价流程
+     *
+     * @param loanPricingWorkflow 利率定价流程信息
+     * @return 结果
+     */
+    @Transactional(rollbackFor = Exception.class)
+    public LoanPricingWorkflow createLoanPricing(LoanPricingWorkflow loanPricingWorkflow)
+    {
+        // 自动生成业务方流水号(时间戳)
+        SimpleDateFormat sdf = new SimpleDateFormat("yyyyMMddHHmmssSSS");
+        String serialNum = sdf.format(new Date());
+        loanPricingWorkflow.setSerialNum(serialNum);
+
+        // 设置默认值
+        if (!StringUtils.hasText(loanPricingWorkflow.getOrgCode()))
+        {
+            loanPricingWorkflow.setOrgCode("892000");
+        }
+        if (!StringUtils.hasText(loanPricingWorkflow.getRunType()))
+        {
+            loanPricingWorkflow.setRunType("1");
+        }
+
+        loanPricingWorkflow.setCustName(sensitiveFieldCryptoService.encrypt(loanPricingWorkflow.getCustName()));
+        loanPricingWorkflow.setIdNum(sensitiveFieldCryptoService.encrypt(loanPricingWorkflow.getIdNum()));
+        loanPricingWorkflowMapper.insert(loanPricingWorkflow);
+        loanPricingModelService.invokeModelAsync(loanPricingWorkflow.getId());
+
+        return loanPricingWorkflow;
+    }
+
+    /**
+     * 发起个人客户利率定价流程
+     *
+     * @param dto 个人客户发起DTO
+     * @return 结果
+     */
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public LoanPricingWorkflow createPersonalLoanPricing(PersonalLoanPricingCreateDTO dto) {
+        LoanPricingWorkflow entity = LoanPricingConverter.toEntity(dto);
+        return createLoanPricing(entity);
+    }
+
+    /**
+     * 发起企业客户利率定价流程
+     *
+     * @param dto 企业客户发起DTO
+     * @return 结果
+     */
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public LoanPricingWorkflow createCorporateLoanPricing(CorporateLoanPricingCreateDTO dto) {
+        LoanPricingWorkflow entity = LoanPricingConverter.toEntity(dto);
+        return createLoanPricing(entity);
+    }
+
+    /**
+     * 查询利率定价流程列表
+     *
+     * @param loanPricingWorkflow 利率定价流程信息
+     * @return 利率定价流程
+     */
+    @Override
+    public List<LoanPricingWorkflow> selectLoanPricingList(LoanPricingWorkflow loanPricingWorkflow)
+    {
+        LambdaQueryWrapper<LoanPricingWorkflow> wrapper = buildQueryWrapper(loanPricingWorkflow);
+        // 按更新时间倒序
+        wrapper.orderByDesc(LoanPricingWorkflow::getUpdateTime);
+        return loanPricingWorkflowMapper.selectList(wrapper);
+    }
+
+    /**
+     * 分页查询利率定价流程列表
+     *
+     * @param page 分页参数
+     * @param loanPricingWorkflow 利率定价流程信息
+     * @return 利率定价流程
+     */
+    @Override
+    public IPage<LoanPricingWorkflowListVO> selectLoanPricingPage(Page<LoanPricingWorkflowListVO> page, LoanPricingWorkflow loanPricingWorkflow)
+    {
+        IPage<LoanPricingWorkflowListVO> pageResult = loanPricingWorkflowMapper.selectWorkflowPageWithRates(page, loanPricingWorkflow);
+        pageResult.getRecords().forEach(row -> row.setCustName(
+                loanPricingSensitiveDisplayService.maskCustName(
+                        sensitiveFieldCryptoService.decrypt(row.getCustName()))));
+        return pageResult;
+    }
+
+    /**
+     * 查询利率定价流程详情
+     *
+     * @param serialNum 业务方流水号
+     * @return 利率定价流程
+     */
+    @Override
+    public LoanPricingWorkflowVO selectLoanPricingBySerialNum(String serialNum)
+    {
+        LoanPricingWorkflowVO loanPricingWorkflowVO = new LoanPricingWorkflowVO();
+
+        LambdaQueryWrapper<LoanPricingWorkflow> wrapper = new LambdaQueryWrapper<>();
+        wrapper.eq(LoanPricingWorkflow::getSerialNum, serialNum);
+        LoanPricingWorkflow loanPricingWorkflow = loanPricingWorkflowMapper.selectOne(wrapper);
+        String plainCustName = sensitiveFieldCryptoService.decrypt(loanPricingWorkflow.getCustName());
+        String plainIdNum = sensitiveFieldCryptoService.decrypt(loanPricingWorkflow.getIdNum());
+        loanPricingWorkflow.setCustName(loanPricingSensitiveDisplayService.maskCustName(plainCustName));
+        loanPricingWorkflow.setIdNum(loanPricingSensitiveDisplayService.maskIdNum(plainIdNum));
+        loanPricingWorkflowVO.setLoanPricingWorkflow(loanPricingWorkflow);
+
+        if (Objects.nonNull(loanPricingWorkflow.getModelOutputId())){
+            if (loanPricingWorkflow.getCustType().equals("个人")){
+                ModelRetailOutputFields modelRetailOutputFields = modelRetailOutputFieldsMapper.selectById(loanPricingWorkflow.getModelOutputId());
+                if (Objects.nonNull(modelRetailOutputFields))
+                {
+                    maskModelRetailOutputBasicInfo(modelRetailOutputFields);
+                    loanPricingWorkflow.setLoanRate(modelRetailOutputFields.getFinalCalculateRate());
+                }
+                loanPricingWorkflowVO.setModelRetailOutputFields(modelRetailOutputFields);
+            }
+            if (loanPricingWorkflow.getCustType().equals("企业")){
+                ModelCorpOutputFields modelCorpOutputFields = modelCorpOutputFieldsMapper.selectById(loanPricingWorkflow.getModelOutputId());
+                if (Objects.nonNull(modelCorpOutputFields))
+                {
+                    maskModelCorpOutputBasicInfo(modelCorpOutputFields);
+                    loanPricingWorkflow.setLoanRate(modelCorpOutputFields.getCalculateRate());
+                }
+                loanPricingWorkflowVO.setModelCorpOutputFields(modelCorpOutputFields);
+            }
+        }
+
+
+        return loanPricingWorkflowVO;
+    }
+
+    /**
+     * 构建查询条件
+     *
+     * @param loanPricingWorkflow 利率定价流程信息
+     * @return LambdaQueryWrapper
+     */
+    private LambdaQueryWrapper<LoanPricingWorkflow> buildQueryWrapper(LoanPricingWorkflow loanPricingWorkflow)
+    {
+        LambdaQueryWrapper<LoanPricingWorkflow> wrapper = new LambdaQueryWrapper<>();
+
+        // 按创建者筛选
+        if (StringUtils.hasText(loanPricingWorkflow.getCreateBy()))
+        {
+            wrapper.like(LoanPricingWorkflow::getCreateBy, loanPricingWorkflow.getCreateBy());
+        }
+
+        // 按客户内码模糊查询
+        if (StringUtils.hasText(loanPricingWorkflow.getCustIsn()))
+        {
+            wrapper.like(LoanPricingWorkflow::getCustIsn, loanPricingWorkflow.getCustIsn());
+        }
+
+        // 按机构号筛选
+        if (StringUtils.hasText(loanPricingWorkflow.getOrgCode()))
+        {
+            wrapper.like(LoanPricingWorkflow::getOrgCode, loanPricingWorkflow.getOrgCode());
+        }
+
+        return wrapper;
+    }
+
+    private void maskModelRetailOutputBasicInfo(ModelRetailOutputFields modelRetailOutputFields)
+    {
+        modelRetailOutputFields.setCustName(
+                loanPricingSensitiveDisplayService.maskCustName(modelRetailOutputFields.getCustName()));
+        modelRetailOutputFields.setIdNum(
+                loanPricingSensitiveDisplayService.maskIdNum(modelRetailOutputFields.getIdNum()));
+    }
+
+    private void maskModelCorpOutputBasicInfo(ModelCorpOutputFields modelCorpOutputFields)
+    {
+        modelCorpOutputFields.setCustName(
+                loanPricingSensitiveDisplayService.maskCustName(modelCorpOutputFields.getCustName()));
+        modelCorpOutputFields.setIdNum(
+                loanPricingSensitiveDisplayService.maskIdNum(modelCorpOutputFields.getIdNum()));
+    }
+
+    /**
+     * 设定执行利率
+     *
+     * @param serialNum   业务方流水号
+     * @param executeRate 执行利率
+     * @return 是否成功
+     */
+    @Override
+    @Transactional(rollbackFor = Exception.class)
+    public boolean setExecuteRate(String serialNum, String executeRate) {
+        LambdaQueryWrapper<LoanPricingWorkflow> wrapper = new LambdaQueryWrapper<>();
+        wrapper.eq(LoanPricingWorkflow::getSerialNum, serialNum);
+        LoanPricingWorkflow workflow = loanPricingWorkflowMapper.selectOne(wrapper);
+
+        if (workflow == null) {
+            return false;
+        }
+
+        workflow.setExecuteRate(executeRate);
+        int result = loanPricingWorkflowMapper.updateById(workflow);
+        return result > 0;
+    }
+}
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java
@@ -0,0 +1,67 @@
+package com.ruoyi.loanpricing.util;
+
+import com.ruoyi.loanpricing.domain.dto.CorporateLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.dto.PersonalLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+
+/**
+ * 利率定价转换器
+ *
+ * @author ruoyi
+ * @date 2025-01-19
+ */
+public class LoanPricingConverter {
+
+    /**
+     * 个人客户DTO转Entity
+     *
+     * @param dto 个人客户发起DTO
+     * @return 利率定价流程实体
+     */
+    public static LoanPricingWorkflow toEntity(PersonalLoanPricingCreateDTO dto) {
+        LoanPricingWorkflow entity = new LoanPricingWorkflow();
+        // 映射共同字段
+        entity.setCustIsn(dto.getCustIsn());
+        entity.setCustType("个人");
+        entity.setCustName(dto.getCustName());
+        entity.setIdType(dto.getIdType());
+        entity.setIdNum(dto.getIdNum());
+        entity.setGuarType(dto.getGuarType());
+        entity.setApplyAmt(dto.getApplyAmt());
+        entity.setLoanPurpose(dto.getLoanPurpose());
+        entity.setLoanTerm(dto.getLoanTerm());
+        entity.setCollType(dto.getCollType());
+        entity.setCollThirdParty(dto.getCollThirdParty());
+        // 映射个人特有字段
+        entity.setBizProof(dto.getBizProof());
+        entity.setLoanLoop(dto.getLoanLoop());
+        return entity;
+    }
+
+    /**
+     * 企业客户DTO转Entity
+     *
+     * @param dto 企业客户发起DTO
+     * @return 利率定价流程实体
+     */
+    public static LoanPricingWorkflow toEntity(CorporateLoanPricingCreateDTO dto) {
+        LoanPricingWorkflow entity = new LoanPricingWorkflow();
+        // 映射共同字段
+        entity.setCustIsn(dto.getCustIsn());
+        entity.setCustType("企业");
+        entity.setCustName(dto.getCustName());
+        entity.setIdType(dto.getIdType());
+        entity.setIdNum(dto.getIdNum());
+        entity.setGuarType(dto.getGuarType());
+        entity.setApplyAmt(dto.getApplyAmt());
+        entity.setCollType(dto.getCollType());
+        entity.setCollThirdParty(dto.getCollThirdParty());
+        // 映射企业特有字段
+        entity.setIsAgriGuar(dto.getIsAgriGuar());
+        entity.setIsGreenLoan(dto.getIsGreenLoan());
+        entity.setIsTechEnt(dto.getIsTechEnt());
+        entity.setIsTradeConstruction(dto.getIsTradeConstruction());
+        entity.setLoanTerm(dto.getLoanTerm());
+        return entity;
+    }
+}
--- a/ruoyi-loan-pricing/src/main/resources/data/corp_output.json
+++ b/ruoyi-loan-pricing/src/main/resources/data/corp_output.json
@@ -0,0 +1,68 @@
+{
+  "traceId": "350626558347246735E7F4722CUZRWOMNRR53O0",
+  "cost": 2267,
+  "tokenId": "17364055486305E7F4722M8IPFWNL8TOBEB",
+  "mappingOutputFields": {
+  "custIsn": "CUST20260121001",
+  "custType": "企业客户",
+  "guarType": "抵押担保",
+  "custName": "北京智联科技有限公司",
+  "idType": "营业执照",
+  "idNum": "91110108MA00XXXXXX",
+  "baseLoanRate": "3.45",
+  "isFirstLoan": "N",
+  "faithDay": "730",
+  "bpFirstLoan": "0",
+  "bpAgeLoan": "5.2",
+  "totalBpLoyalty": "8.5",
+  "balanceAvg": "5000000.00",
+  "loanAvg": "3000000.00",
+  "derivationRate": "1.8",
+  "totalBpContribution": "12.3",
+  "midEntConnect": "100000.00",
+  "midEntEffect": "50000.00",
+  "midEntInter": "80000.00",
+  "midEntAccept": "200000.00",
+  "midEntDiscount": "150000.00",
+  "midEntEleDdc": "30000.00",
+  "midEntWaterDdc": "10000.00",
+  "midEntTax": "40000.00",
+  "bpMid": "6.8",
+  "payroll": "200",
+  "invLoanAmount": "2500000.00",
+  "bpPayroll": "4.1",
+  "isCleanEnt": "Y",
+  "hasSettleAcct": "Y",
+  "isAgriGuar": "N",
+  "isGreenLoan": "Y",
+  "isTechEnt": "Y",
+  "bpEntType": "7.5",
+  "totoalBpRelevance": "9.2",
+  "loanTerm": "36",
+  "bpLoanTerm": "3.3",
+  "applyAmt": "5000000.00",
+  "bpLoanAmount": "5.8",
+  "collType": "房产抵押",
+  "collThirdParty": "N",
+  "bpCollateral": "4.5",
+  "greyCust": "N",
+  "prinOverdue": "N",
+  "interestOverdue": "N",
+  "cardOverdue": "N",
+  "bpGreyOverdue": "0",
+  "totoalBpRisk": "1.2",
+  "totalBp": "48.2",
+  "calculateRate": "3.932"
+  },
+  "extensionMap": {},
+  "reasonMessage": "Running successfully",
+  "bizTime": 1736405548630,
+  "outputFields": {},
+  "workflowCode": "TBKH",
+  "orgCode": "802000",
+  "bizId": "2025010914345",
+  "reasonCode": 200,
+  "workflowVersion": 14,
+  "callTime": 1736405548630,
+  "status": 1
+}
--- a/ruoyi-loan-pricing/src/main/resources/data/retail_output.json
+++ b/ruoyi-loan-pricing/src/main/resources/data/retail_output.json
@@ -0,0 +1,73 @@
+{
+  "traceId": "350626558347246735E7F4722CUZRWOMNRR53O0",
+  "cost": 2267,
+  "tokenId": "17364055486305E7F4722M8IPFWNL8TOBEB",
+  "mappingOutputFields": {
+    "custIsn": "CUST20260121001",
+    "custType": "个人",
+    "guarType": "信用担保",
+    "custName": "张三",
+    "idType": "身份证",
+    "idNum": "330106199001011234",
+    "baseLoanRate": "4.35",
+    "isFirstLoan": "是",
+    "faithDay": "365",
+    "custAge": "36",
+    "bpFirstLoan": "50",
+    "bpAgeLoan": "30",
+    "bpAge": "20",
+    "totalBpLoyalty": "95",
+    "balanceAvg": "50000.00",
+    "loanAvg": "100000.00",
+    "derivationRate": "1.2",
+    "totalBpContribution": "88",
+    "midPerCard": "1000.50",
+    "midPerPass": "500.00",
+    "midPerHarvest": "800.20",
+    "midPerEffect": "是",
+    "midPerQuickPay": "300.00",
+    "midPerEleDdc": "150.00",
+    "midPerWaterDdc": "80.00",
+    "midPerHuashuDdc": "120.00",
+    "MidPerGasDdc": "90.00",
+    "midPerCitizencard": "200.00",
+    "midPerFinMan": "5000.00",
+    "midPerEtc": "180.00",
+    "bpMid": "45",
+    "totoalBpRelevance": "90",
+    "applyAmt": "200000.00",
+    "bpLoanAmount": "60",
+    "loanPurpose": "个人消费",
+    "bizProof": "有",
+    "bpLoanUse": "55",
+    "loanLoop": "支持",
+    "bpLoanLoop": "40",
+    "collType": "无抵质押",
+    "collThirdParty": "否",
+    "bpCollateral": "0",
+    "greyCust": "否",
+    "prinOverdue": "否",
+    "interestOverdue": "否",
+    "cardOverdue": "否",
+    "bpGreyOverdue": "98",
+    "totoalBpRisk": "95",
+    "totalBp": "350",
+    "calculateRate": "6.15",
+    "loanRateHistory": "6.40",
+    "minRateProduct": "5.50",
+    "smoothRange": "-0.10",
+    "finalCalculateRate": "6.05",
+    "referenceRate": "5.95"
+  },
+  "extensionMap": {},
+  "reasonMessage": "Running successfully",
+  "bizTime": 1736405548630,
+  "outputFields": {},
+  "workflowCode": "TBKH",
+  "orgCode": "802000",
+  "bizId": "2025010914345",
+  "reasonCode": 200,
+  "workflowVersion": 14,
+  "callTime": 1736405548630,
+  "status": 1
+}
--- a/ruoyi-loan-pricing/src/main/resources/mapper/loanpricing/LoanPricingWorkflowMapper.xml
+++ b/ruoyi-loan-pricing/src/main/resources/mapper/loanpricing/LoanPricingWorkflowMapper.xml
@@ -0,0 +1,39 @@
+<?xml version="1.0" encoding="UTF-8" ?>
+<!DOCTYPE mapper
+        PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
+        "http://mybatis.org/dtd/mybatis-3-mapper.dtd">
+<mapper namespace="com.ruoyi.loanpricing.mapper.LoanPricingWorkflowMapper">
+
+    <select id="selectWorkflowPageWithRates" resultType="com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowListVO">
+        SELECT
+            lpw.serial_num AS serialNum,
+            lpw.cust_name AS custName,
+            lpw.cust_type AS custType,
+            lpw.guar_type AS guarType,
+            lpw.apply_amt AS applyAmt,
+            CASE
+                WHEN lpw.cust_type = '个人' THEN mr.final_calculate_rate
+                WHEN lpw.cust_type = '企业' THEN mc.calculate_rate
+                ELSE NULL
+            END AS calculateRate,
+            lpw.execute_rate AS executeRate,
+            lpw.create_time AS createTime,
+            lpw.create_by AS createBy
+        FROM loan_pricing_workflow lpw
+        LEFT JOIN model_retail_output_fields mr ON lpw.model_output_id = mr.id
+        LEFT JOIN model_corp_output_fields mc ON lpw.model_output_id = mc.id
+        <where>
+            <if test="query != null and query.createBy != null and query.createBy != ''">
+                AND lpw.create_by LIKE CONCAT('%', #{query.createBy}, '%')
+            </if>
+            <if test="query != null and query.custIsn != null and query.custIsn != ''">
+                AND lpw.cust_isn LIKE CONCAT('%', #{query.custIsn}, '%')
+            </if>
+            <if test="query != null and query.orgCode != null and query.orgCode != ''">
+                AND lpw.org_code LIKE CONCAT('%', #{query.orgCode}, '%')
+            </if>
+        </where>
+        ORDER BY lpw.update_time DESC
+    </select>
+
+</mapper>
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/domain/entity/ModelRetailOutputFieldsTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/domain/entity/ModelRetailOutputFieldsTest.java
@@ -0,0 +1,26 @@
+package com.ruoyi.loanpricing.domain.entity;
+
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import java.lang.reflect.Field;
+import java.util.Arrays;
+import java.util.Set;
+import java.util.stream.Collectors;
+import org.junit.jupiter.api.Test;
+
+class ModelRetailOutputFieldsTest
+{
+    @Test
+    void shouldContainLatestRetailDisplayRateFields()
+    {
+        Set<String> fieldNames = Arrays.stream(ModelRetailOutputFields.class.getDeclaredFields())
+                .map(Field::getName)
+                .collect(Collectors.toSet());
+
+        assertTrue(fieldNames.contains("loanRateHistory"), "缺少字段 loanRateHistory");
+        assertTrue(fieldNames.contains("minRateProduct"), "缺少字段 minRateProduct");
+        assertTrue(fieldNames.contains("smoothRange"), "缺少字段 smoothRange");
+        assertTrue(fieldNames.contains("finalCalculateRate"), "缺少字段 finalCalculateRate");
+        assertTrue(fieldNames.contains("referenceRate"), "缺少字段 referenceRate");
+    }
+}
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/domain/vo/LoanPricingWorkflowListVOTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/domain/vo/LoanPricingWorkflowListVOTest.java
@@ -0,0 +1,19 @@
+package com.ruoyi.loanpricing.domain.vo;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+
+import org.junit.jupiter.api.Test;
+
+class LoanPricingWorkflowListVOTest
+{
+    @Test
+    void shouldExposeCalculateRateAndExecuteRateFields()
+    {
+        LoanPricingWorkflowListVO vo = new LoanPricingWorkflowListVO();
+        vo.setCalculateRate("6.15");
+        vo.setExecuteRate("5.80");
+
+        assertEquals("6.15", vo.getCalculateRate());
+        assertEquals("5.80", vo.getExecuteRate());
+    }
+}
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/mapper/LoanPricingWorkflowMapperXmlTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/mapper/LoanPricingWorkflowMapperXmlTest.java
@@ -0,0 +1,22 @@
+package com.ruoyi.loanpricing.mapper;
+
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import java.io.IOException;
+import java.nio.charset.StandardCharsets;
+import org.junit.jupiter.api.Test;
+import org.springframework.core.io.ClassPathResource;
+import org.springframework.util.StreamUtils;
+
+class LoanPricingWorkflowMapperXmlTest
+{
+    @Test
+    void shouldUseRetailFinalCalculateRateInWorkflowListQuery() throws IOException
+    {
+        ClassPathResource resource = new ClassPathResource("mapper/loanpricing/LoanPricingWorkflowMapper.xml");
+        String xml = StreamUtils.copyToString(resource.getInputStream(), StandardCharsets.UTF_8);
+
+        assertTrue(xml.contains("WHEN lpw.cust_type = '个人' THEN mr.final_calculate_rate"));
+        assertTrue(xml.contains("WHEN lpw.cust_type = '企业' THEN mc.calculate_rate"));
+    }
+}
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServicePersonalParamsTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServicePersonalParamsTest.java
@@ -0,0 +1,125 @@
+package com.ruoyi.loanpricing.service;
+
+import com.alibaba.fastjson2.JSONObject;
+import com.ruoyi.loanpricing.domain.dto.ModelInvokeDTO;
+import com.ruoyi.loanpricing.domain.dto.PersonalLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.mapper.LoanPricingWorkflowMapper;
+import com.ruoyi.loanpricing.mapper.ModelCorpOutputFieldsMapper;
+import com.ruoyi.loanpricing.mapper.ModelRetailOutputFieldsMapper;
+import com.ruoyi.loanpricing.util.LoanPricingConverter;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import java.util.Objects;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertNotNull;
+import static org.junit.jupiter.api.Assertions.assertThrows;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.argThat;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+@ExtendWith(MockitoExtension.class)
+class LoanPricingModelServicePersonalParamsTest {
+
+    @Mock
+    private ModelService modelService;
+
+    @Mock
+    private LoanPricingWorkflowMapper loanPricingWorkflowMapper;
+
+    @Mock
+    private ModelRetailOutputFieldsMapper modelRetailOutputFieldsMapper;
+
+    @Mock
+    private ModelCorpOutputFieldsMapper modelCorpOutputFieldsMapper;
+
+    @Mock
+    private SensitiveFieldCryptoService sensitiveFieldCryptoService;
+
+    @InjectMocks
+    private LoanPricingModelService loanPricingModelService;
+
+    @Test
+    void shouldContainLoanPurposeAndLoanTermInPersonalCreateDto() throws NoSuchFieldException {
+        assertNotNull(PersonalLoanPricingCreateDTO.class.getDeclaredField("loanPurpose"));
+        assertNotNull(PersonalLoanPricingCreateDTO.class.getDeclaredField("loanTerm"));
+    }
+
+    @Test
+    void shouldMapLoanPurposeAndLoanTermFromPersonalDto() {
+        PersonalLoanPricingCreateDTO dto = new PersonalLoanPricingCreateDTO();
+        dto.setCustIsn("CUST001");
+        dto.setCustName("张三");
+        dto.setGuarType("信用");
+        dto.setApplyAmt("100000");
+        dto.setLoanPurpose("business");
+        dto.setLoanTerm("3");
+
+        LoanPricingWorkflow workflow = LoanPricingConverter.toEntity(dto);
+
+        assertEquals("business", workflow.getLoanPurpose());
+        assertEquals("3", workflow.getLoanTerm());
+    }
+
+    @Test
+    void shouldContainLoanTermAndLoanLoopInModelInvokeDto() throws NoSuchFieldException {
+        assertNotNull(ModelInvokeDTO.class.getDeclaredField("loanTerm"));
+        assertNotNull(ModelInvokeDTO.class.getDeclaredField("loanLoop"));
+    }
+
+    @Test
+    void shouldInvokePersonalModelWithExpectedParams() {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setId(1L);
+        workflow.setSerialNum("202604090001");
+        workflow.setOrgCode("892000");
+        workflow.setRunType("1");
+        workflow.setCustIsn("CUST001");
+        workflow.setCustType("个人");
+        workflow.setCustName("cipher-name");
+        workflow.setIdType("身份证");
+        workflow.setIdNum("cipher-id");
+        workflow.setGuarType("信用");
+        workflow.setApplyAmt("100000");
+        workflow.setLoanPurpose("business");
+        workflow.setLoanTerm("3");
+        workflow.setBizProof("true");
+        workflow.setLoanLoop("false");
+        workflow.setCollThirdParty("true");
+        workflow.setCollType("一类");
+
+        JSONObject response = new JSONObject();
+        response.put("calculateRate", "6.15");
+
+        when(loanPricingWorkflowMapper.selectById(1L)).thenReturn(workflow);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("张三");
+        when(sensitiveFieldCryptoService.decrypt("cipher-id")).thenReturn("110101199001011234");
+        when(modelService.invokeModel(any())).thenReturn(response);
+
+        loanPricingModelService.invokeModelAsync(1L);
+
+        verify(modelService).invokeModel(argThat((ModelInvokeDTO dto) ->
+                Objects.equals("202604090001", dto.getSerialNum())
+                        && Objects.equals("892000", dto.getOrgCode())
+                        && Objects.equals("1", dto.getRunType())
+                        && Objects.equals("CUST001", dto.getCustIsn())
+                        && Objects.equals("个人", dto.getCustType())
+                        && Objects.equals("张三", dto.getCustName())
+                        && Objects.equals("身份证", dto.getIdType())
+                        && Objects.equals("110101199001011234", dto.getIdNum())
+                        && Objects.equals("信用", dto.getGuarType())
+                        && Objects.equals("100000", dto.getApplyAmt())
+                        && Objects.equals("business", dto.getLoanPurpose())
+                        && Objects.equals("3", dto.getLoanTerm())
+                        && Objects.equals("1", dto.getBizProof())
+                        && Objects.equals("0", dto.getLoanLoop())
+                        && Objects.equals("1", dto.getCollThirdParty())
+                        && Objects.equals("一类", dto.getCollType())));
+    }
+}
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServiceTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServiceTest.java
@@ -0,0 +1,90 @@
+package com.ruoyi.loanpricing.service;
+
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.argThat;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import com.alibaba.fastjson2.JSONObject;
+import com.ruoyi.loanpricing.domain.dto.ModelInvokeDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.mapper.LoanPricingWorkflowMapper;
+import com.ruoyi.loanpricing.mapper.ModelCorpOutputFieldsMapper;
+import com.ruoyi.loanpricing.mapper.ModelRetailOutputFieldsMapper;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import java.util.Objects;
+
+@ExtendWith(MockitoExtension.class)
+class LoanPricingModelServiceTest
+{
+    @Mock
+    private ModelService modelService;
+
+    @Mock
+    private LoanPricingWorkflowMapper loanPricingWorkflowMapper;
+
+    @Mock
+    private ModelRetailOutputFieldsMapper modelRetailOutputFieldsMapper;
+
+    @Mock
+    private ModelCorpOutputFieldsMapper modelCorpOutputFieldsMapper;
+
+    @Mock
+    private SensitiveFieldCryptoService sensitiveFieldCryptoService;
+
+    @InjectMocks
+    private LoanPricingModelService loanPricingModelService;
+
+    @Test
+    void shouldDecryptCustNameAndIdNumBeforeInvokeModel()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setId(1L);
+        workflow.setCustType("个人");
+        workflow.setCustName("cipher-name");
+        workflow.setIdNum("cipher-id");
+
+        JSONObject response = new JSONObject();
+        response.put("calculateRate", "6.15");
+
+        when(loanPricingWorkflowMapper.selectById(1L)).thenReturn(workflow);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("张三");
+        when(sensitiveFieldCryptoService.decrypt("cipher-id")).thenReturn("110101199001011234");
+        when(modelService.invokeModel(any())).thenReturn(response);
+
+        loanPricingModelService.invokeModelAsync(1L);
+
+        verify(modelService).invokeModel(argThat((ModelInvokeDTO dto) ->
+                Objects.equals("张三", dto.getCustName())
+                        && Objects.equals("110101199001011234", dto.getIdNum())));
+    }
+
+    @Test
+    void shouldNotWritePlainCustNameAndIdNumBackWhenUpdatingWorkflow()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setId(2L);
+        workflow.setCustType("个人");
+        workflow.setCustName("cipher-name");
+        workflow.setIdNum("cipher-id");
+
+        JSONObject response = new JSONObject();
+        response.put("calculateRate", "6.15");
+
+        when(loanPricingWorkflowMapper.selectById(2L)).thenReturn(workflow);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("张三");
+        when(sensitiveFieldCryptoService.decrypt("cipher-id")).thenReturn("110101199001011234");
+        when(modelService.invokeModel(any())).thenReturn(response);
+
+        loanPricingModelService.invokeModelAsync(2L);
+
+        verify(loanPricingWorkflowMapper).updateById(argThat((LoanPricingWorkflow entity) ->
+                !Objects.equals("张三", entity.getCustName())
+                        && !Objects.equals("110101199001011234", entity.getIdNum())));
+    }
+}
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingSensitiveDisplayServiceTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingSensitiveDisplayServiceTest.java
@@ -0,0 +1,24 @@
+package com.ruoyi.loanpricing.service;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+
+import org.junit.jupiter.api.Test;
+
+class LoanPricingSensitiveDisplayServiceTest
+{
+    private final LoanPricingSensitiveDisplayService displayService = new LoanPricingSensitiveDisplayService();
+
+    @Test
+    void shouldMaskPersonalNameAndIdNum()
+    {
+        assertEquals("张*", displayService.maskCustName("张三"));
+        assertEquals("1101********1234", displayService.maskIdNum("110101199001011234"));
+    }
+
+    @Test
+    void shouldMaskCorporateNameAndCreditCode()
+    {
+        assertEquals("测试****公司", displayService.maskCustName("测试科技有限公司"));
+        assertEquals("91*************00X", displayService.maskIdNum("91110000100000000X"));
+    }
+}
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/SensitiveFieldCryptoServiceTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/SensitiveFieldCryptoServiceTest.java
@@ -0,0 +1,32 @@
+package com.ruoyi.loanpricing.service;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertNotEquals;
+import static org.junit.jupiter.api.Assertions.assertThrows;
+
+import org.junit.jupiter.api.Test;
+
+class SensitiveFieldCryptoServiceTest
+{
+    @Test
+    void shouldEncryptAndDecryptCustNameAndIdNum()
+    {
+        SensitiveFieldCryptoService service = new SensitiveFieldCryptoService("1234567890abcdef");
+
+        String nameCipher = service.encrypt("张三");
+        String idNumCipher = service.encrypt("110101199001011234");
+
+        assertNotEquals("张三", nameCipher);
+        assertNotEquals("110101199001011234", idNumCipher);
+        assertEquals("张三", service.decrypt(nameCipher));
+        assertEquals("110101199001011234", service.decrypt(idNumCipher));
+    }
+
+    @Test
+    void shouldRejectBlankKeyConfiguration()
+    {
+        SensitiveFieldCryptoService service = new SensitiveFieldCryptoService("");
+
+        assertThrows(IllegalStateException.class, () -> service.encrypt("张三"));
+    }
+}
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImplTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImplTest.java
@@ -0,0 +1,256 @@
+package com.ruoyi.loanpricing.service.impl;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertTrue;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.argThat;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import com.baomidou.mybatisplus.core.MybatisConfiguration;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.baomidou.mybatisplus.core.metadata.IPage;
+import com.baomidou.mybatisplus.core.metadata.TableInfoHelper;
+import com.baomidou.mybatisplus.extension.plugins.pagination.Page;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.domain.entity.ModelCorpOutputFields;
+import com.ruoyi.loanpricing.domain.entity.ModelRetailOutputFields;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowListVO;
+import com.ruoyi.loanpricing.domain.vo.LoanPricingWorkflowVO;
+import com.ruoyi.loanpricing.mapper.LoanPricingWorkflowMapper;
+import com.ruoyi.loanpricing.mapper.ModelCorpOutputFieldsMapper;
+import com.ruoyi.loanpricing.mapper.ModelRetailOutputFieldsMapper;
+import com.ruoyi.loanpricing.service.LoanPricingSensitiveDisplayService;
+import com.ruoyi.loanpricing.service.LoanPricingModelService;
+import com.ruoyi.loanpricing.service.SensitiveFieldCryptoService;
+import org.apache.ibatis.builder.MapperBuilderAssistant;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.ArgumentCaptor;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import java.util.Collections;
+import java.util.Objects;
+
+@ExtendWith(MockitoExtension.class)
+class LoanPricingWorkflowServiceImplTest
+{
+    @Mock
+    private LoanPricingWorkflowMapper loanPricingWorkflowMapper;
+
+    @Mock
+    private LoanPricingModelService loanPricingModelService;
+
+    @Mock
+    private ModelRetailOutputFieldsMapper modelRetailOutputFieldsMapper;
+
+    @Mock
+    private ModelCorpOutputFieldsMapper modelCorpOutputFieldsMapper;
+
+    @Mock
+    private SensitiveFieldCryptoService sensitiveFieldCryptoService;
+
+    @Mock
+    private LoanPricingSensitiveDisplayService loanPricingSensitiveDisplayService;
+
+    @InjectMocks
+    private LoanPricingWorkflowServiceImpl loanPricingWorkflowService;
+
+    @Test
+    void shouldEncryptCustNameAndIdNumBeforeInsert()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setCustName("张三");
+        workflow.setIdNum("110101199001011234");
+        workflow.setCustIsn("CUST001");
+
+        when(sensitiveFieldCryptoService.encrypt("张三")).thenReturn("cipher-name");
+        when(sensitiveFieldCryptoService.encrypt("110101199001011234")).thenReturn("cipher-id");
+
+        loanPricingWorkflowService.createLoanPricing(workflow);
+
+        verify(loanPricingWorkflowMapper).insert(argThat((LoanPricingWorkflow entity) ->
+                Objects.equals("cipher-name", entity.getCustName())
+                        && Objects.equals("cipher-id", entity.getIdNum())
+                        && Objects.equals("CUST001", entity.getCustIsn())));
+    }
+
+    @Test
+    void shouldReturnPagedWorkflowListWithCalculateRate()
+    {
+        LoanPricingWorkflowListVO row = new LoanPricingWorkflowListVO();
+        row.setCalculateRate("6.15");
+
+        Page<LoanPricingWorkflowListVO> pageResult = new Page<>(1, 10);
+        pageResult.setRecords(java.util.List.of(row));
+
+        when(loanPricingWorkflowMapper.selectWorkflowPageWithRates(any(), any())).thenReturn(pageResult);
+
+        IPage<LoanPricingWorkflowListVO> result = loanPricingWorkflowService.selectLoanPricingPage(new Page<>(1, 10), new LoanPricingWorkflow());
+
+        assertEquals("6.15", result.getRecords().get(0).getCalculateRate());
+    }
+
+    @Test
+    void shouldMaskCustNameWhenReturningPagedWorkflowList()
+    {
+        LoanPricingWorkflowListVO row = new LoanPricingWorkflowListVO();
+        row.setCustName("cipher-name");
+
+        Page<LoanPricingWorkflowListVO> pageResult = new Page<>(1, 10);
+        pageResult.setRecords(Collections.singletonList(row));
+
+        when(loanPricingWorkflowMapper.selectWorkflowPageWithRates(any(), any())).thenReturn(pageResult);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("张三");
+        when(loanPricingSensitiveDisplayService.maskCustName("张三")).thenReturn("张*");
+
+        IPage<LoanPricingWorkflowListVO> result = loanPricingWorkflowService.selectLoanPricingPage(new Page<>(1, 10), new LoanPricingWorkflow());
+
+        assertEquals("张*", result.getRecords().get(0).getCustName());
+    }
+
+    @Test
+    void shouldUseCustIsnInsteadOfCustNameAsQueryCondition()
+    {
+        LoanPricingWorkflow query = new LoanPricingWorkflow();
+        query.setCustIsn("CUST001");
+        query.setCustName("张三");
+
+        when(loanPricingWorkflowMapper.selectList(any())).thenReturn(Collections.emptyList());
+
+        loanPricingWorkflowService.selectLoanPricingList(query);
+
+        ArgumentCaptor<LambdaQueryWrapper<LoanPricingWorkflow>> wrapperCaptor = ArgumentCaptor.forClass(LambdaQueryWrapper.class);
+        verify(loanPricingWorkflowMapper).selectList(wrapperCaptor.capture());
+
+        LambdaQueryWrapper<LoanPricingWorkflow> wrapper = wrapperCaptor.getValue();
+        TableInfoHelper.initTableInfo(new MapperBuilderAssistant(new MybatisConfiguration(), ""), LoanPricingWorkflow.class);
+        String sqlSegment = wrapper.getSqlSegment();
+
+        assertTrue(sqlSegment.contains("cust_isn"), sqlSegment);
+        assertTrue(!sqlSegment.contains("cust_name"), sqlSegment);
+    }
+
+    @Test
+    void shouldUseRetailModelOutputFinalCalculateRateForWorkflowDetail()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setSerialNum("P20260328001");
+        workflow.setCustType("个人");
+        workflow.setModelOutputId(11L);
+        workflow.setLoanRate("4.35");
+
+        ModelRetailOutputFields retailOutputFields = new ModelRetailOutputFields();
+        retailOutputFields.setCalculateRate("6.15");
+        retailOutputFields.setFinalCalculateRate("6.05");
+
+        when(loanPricingWorkflowMapper.selectOne(any())).thenReturn(workflow);
+        when(modelRetailOutputFieldsMapper.selectById(11L)).thenReturn(retailOutputFields);
+
+        LoanPricingWorkflowVO result = loanPricingWorkflowService.selectLoanPricingBySerialNum("P20260328001");
+
+        assertEquals("6.05", result.getLoanPricingWorkflow().getLoanRate());
+        assertEquals("6.15", result.getModelRetailOutputFields().getCalculateRate());
+        assertEquals("6.05", result.getModelRetailOutputFields().getFinalCalculateRate());
+    }
+
+    @Test
+    void shouldMaskCustNameAndIdNumWhenReturningWorkflowDetail()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setSerialNum("P20260328001");
+        workflow.setCustType("个人");
+        workflow.setCustName("cipher-name");
+        workflow.setIdNum("cipher-id");
+
+        when(loanPricingWorkflowMapper.selectOne(any())).thenReturn(workflow);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("张三");
+        when(sensitiveFieldCryptoService.decrypt("cipher-id")).thenReturn("110101199001011234");
+        when(loanPricingSensitiveDisplayService.maskCustName("张三")).thenReturn("张*");
+        when(loanPricingSensitiveDisplayService.maskIdNum("110101199001011234")).thenReturn("1101********1234");
+
+        LoanPricingWorkflowVO result = loanPricingWorkflowService.selectLoanPricingBySerialNum("P20260328001");
+
+        assertEquals("张*", result.getLoanPricingWorkflow().getCustName());
+        assertEquals("1101********1234", result.getLoanPricingWorkflow().getIdNum());
+    }
+
+    @Test
+    void shouldMaskCustNameAndIdNumInRetailModelOutputBasicInfo()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setSerialNum("P20260328001");
+        workflow.setCustType("个人");
+        workflow.setCustName("cipher-name");
+        workflow.setIdNum("cipher-id");
+        workflow.setModelOutputId(11L);
+
+        ModelRetailOutputFields retailOutputFields = new ModelRetailOutputFields();
+        retailOutputFields.setCustName("张三");
+        retailOutputFields.setIdNum("110101199001011234");
+        retailOutputFields.setCalculateRate("6.15");
+
+        when(loanPricingWorkflowMapper.selectOne(any())).thenReturn(workflow);
+        when(modelRetailOutputFieldsMapper.selectById(11L)).thenReturn(retailOutputFields);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("张三");
+        when(sensitiveFieldCryptoService.decrypt("cipher-id")).thenReturn("110101199001011234");
+        when(loanPricingSensitiveDisplayService.maskCustName("张三")).thenReturn("张*");
+        when(loanPricingSensitiveDisplayService.maskIdNum("110101199001011234")).thenReturn("1101********1234");
+
+        LoanPricingWorkflowVO result = loanPricingWorkflowService.selectLoanPricingBySerialNum("P20260328001");
+
+        assertEquals("张*", result.getModelRetailOutputFields().getCustName());
+        assertEquals("1101********1234", result.getModelRetailOutputFields().getIdNum());
+    }
+
+    @Test
+    void shouldUseCorporateModelOutputCalculateRateForWorkflowDetail()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setSerialNum("C20260328001");
+        workflow.setCustType("企业");
+        workflow.setModelOutputId(22L);
+        workflow.setLoanRate("3.80");
+
+        ModelCorpOutputFields corpOutputFields = new ModelCorpOutputFields();
+        corpOutputFields.setCalculateRate("3.932");
+
+        when(loanPricingWorkflowMapper.selectOne(any())).thenReturn(workflow);
+        when(modelCorpOutputFieldsMapper.selectById(22L)).thenReturn(corpOutputFields);
+
+        LoanPricingWorkflowVO result = loanPricingWorkflowService.selectLoanPricingBySerialNum("C20260328001");
+
+        assertEquals("3.932", result.getLoanPricingWorkflow().getLoanRate());
+        assertEquals("3.932", result.getModelCorpOutputFields().getCalculateRate());
+    }
+
+    @Test
+    void shouldMaskCustNameAndIdNumInCorporateModelOutputBasicInfo()
+    {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setSerialNum("C20260328001");
+        workflow.setCustType("企业");
+        workflow.setCustName("cipher-name");
+        workflow.setIdNum("cipher-id");
+        workflow.setModelOutputId(22L);
+
+        ModelCorpOutputFields corpOutputFields = new ModelCorpOutputFields();
+        corpOutputFields.setCustName("测试科技有限公司");
+        corpOutputFields.setIdNum("91110000100000000X");
+        corpOutputFields.setCalculateRate("3.932");
+
+        when(loanPricingWorkflowMapper.selectOne(any())).thenReturn(workflow);
+        when(modelCorpOutputFieldsMapper.selectById(22L)).thenReturn(corpOutputFields);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("测试科技有限公司");
+        when(sensitiveFieldCryptoService.decrypt("cipher-id")).thenReturn("91110000100000000X");
+        when(loanPricingSensitiveDisplayService.maskCustName("测试科技有限公司")).thenReturn("测试****公司");
+        when(loanPricingSensitiveDisplayService.maskIdNum("91110000100000000X")).thenReturn("91*************00X");
+
+        LoanPricingWorkflowVO result = loanPricingWorkflowService.selectLoanPricingBySerialNum("C20260328001");
+
+        assertEquals("测试****公司", result.getModelCorpOutputFields().getCustName());
+        assertEquals("91*************00X", result.getModelCorpOutputFields().getIdNum());
+    }
+}