feat: 社保年度标准完善 — 医疗附加 + 继承旧配置 + 公积金独立上下限

1. 医疗附加金额：SocialYearStandard 和 SocialInsuranceConfig 新增
   medicalOrgExtra/medicalEmpExtra 字段（如北京3元大病医疗）
   - calcSocialInsurance 计算时加上医疗附加
   - 前端年度标准表单加医疗企业/个人附加输入

2. 新建年度标准继承：新增 /inherit-config API
   - 优先用当前年度标准
   - 回退到旧 SocialInsuranceConfig/HousingFundConfig
   - 前端点击"新建年度标准"时自动继承填充

3. 公积金独立上下限：SocialYearStandard 新增 housingBaseMin/housingBaseMax
   - calcHousingFund 优先用公积金专用上下限，为0时回退到社保
   - 前端公积金年度标准表单加公积金基数上下限输入

4. blank_employees/blank_all 模式跳过试用期工资覆盖

5. 劳务协议/实习协议人员 calcBatchEntry 强制社保公积金为0

Generated with [Devin](https://devin.ai)

Co-Authored-By: Devin <158243242+devin-ai-integration[bot]@users.noreply.github.com>

backend/src/routes/social.routes.ts

@@ -14,6 +14,8 @@ const socialConfigFields = {
   pensionEmp: z.number().optional(),
   medicalOrg: z.number().optional(),
   medicalEmp: z.number().optional(),
+  medicalOrgExtra: z.number().min(0).optional(),
+  medicalEmpExtra: z.number().min(0).optional(),
   unemploymentOrg: z.number().optional(),
   unemploymentEmp: z.number().optional(),
   injuryOrg: z.number().optional(),
@@ -166,6 +168,47 @@ router.get('/accounts/:accountId/current-standard', async (req: AuthRequest, res
   } catch (err) { next(err) }
 })
 
+// 按账户获取继承数据（当前标准 → 旧社保配置 → 默认值），用于新建年度标准初始值
+router.get('/accounts/:accountId/inherit-config', async (req: AuthRequest, res: Response, next: NextFunction) => {
+  try {
+    const orgId = req.user!.orgId
+    const { accountId } = req.params
+    const account = await prisma.socialAccount.findFirst({ where: { id: accountId, orgId } })
+    if (!account) return res.status(404).json({ success: false, error: { code: 'NOT_FOUND', message: '账户不存在' } })
+
+    // 1. 优先用当前年度标准
+    const currentStandard = await prisma.socialYearStandard.findFirst({
+      where: { orgId, accountId, isCurrent: true },
+      orderBy: { effectiveFrom: 'desc' },
+    })
+    if (currentStandard) {
+      return res.json({ success: true, data: { ...currentStandard, source: 'current_standard' } })
+    }
+
+    // 2. 回退到旧社保/公积金配置表（按城市）
+    if (account.type === 'HOUSING') {
+      const oldConfig = await prisma.housingFundConfig.findFirst({
+        where: { orgId, city: account.city },
+        orderBy: { effectiveFrom: 'desc' },
+      })
+      if (oldConfig) {
+        return res.json({ success: true, data: { ...oldConfig, source: 'old_housing_config' } })
+      }
+    } else {
+      const oldConfig = await prisma.socialInsuranceConfig.findFirst({
+        where: { orgId, city: account.city },
+        orderBy: { effectiveFrom: 'desc' },
+      })
+      if (oldConfig) {
+        return res.json({ success: true, data: { ...oldConfig, source: 'old_social_config' } })
+      }
+    }
+
+    // 3. 都没有，返回 null
+    res.json({ success: true, data: null })
+  } catch (err) { next(err) }
+})
+
 // 按账户+月份获取适用标准
 router.get('/accounts/:accountId/standard-by-month/:month', async (req: AuthRequest, res: Response, next: NextFunction) => {
   try {
@@ -194,6 +237,8 @@ const yearStandardSchema = z.object({
   pensionEmp: z.number().optional(),
   medicalOrg: z.number().optional(),
   medicalEmp: z.number().optional(),
+  medicalOrgExtra: z.number().min(0).optional(),
+  medicalEmpExtra: z.number().min(0).optional(),
   unemploymentOrg: z.number().optional(),
   unemploymentEmp: z.number().optional(),
   injuryOrg: z.number().optional(),
@@ -760,8 +805,8 @@ router.post('/calculate', async (req: AuthRequest, res: Response, next: NextFunc
 
     const pensionOrg = actualBase * config.pensionOrg / 100
     const pensionEmp = actualBase * config.pensionEmp / 100
-    const medicalOrg = medicalBase * config.medicalOrg / 100
-    const medicalEmp = medicalBase * config.medicalEmp / 100
+    const medicalOrg = medicalBase * config.medicalOrg / 100 + (config.medicalOrgExtra || 0)
+    const medicalEmp = medicalBase * config.medicalEmp / 100 + (config.medicalEmpExtra || 0)
     const unemploymentOrg = actualBase * config.unemploymentOrg / 100
     const unemploymentEmp = actualBase * config.unemploymentEmp / 100
     const injuryOrg = actualBase * config.injuryOrg / 100
@@ -1150,7 +1195,7 @@ function calcSocialDetail(base: number, config: any) {
   const medicalBase = Math.min(Math.max(base, medMin), medMax)
   const items = [
     { name: '养老', orgRate: config.pensionOrg, empRate: config.pensionEmp, orgAmount: actualBase * config.pensionOrg / 100, empAmount: actualBase * config.pensionEmp / 100 },
-    { name: '医疗', orgRate: config.medicalOrg, empRate: config.medicalEmp, orgAmount: medicalBase * config.medicalOrg / 100, empAmount: medicalBase * config.medicalEmp / 100 },
+    { name: '医疗', orgRate: config.medicalOrg, empRate: config.medicalEmp, orgAmount: medicalBase * config.medicalOrg / 100 + (config.medicalOrgExtra || 0), empAmount: medicalBase * config.medicalEmp / 100 + (config.medicalEmpExtra || 0) },
     { name: '失业', orgRate: config.unemploymentOrg, empRate: config.unemploymentEmp, orgAmount: actualBase * config.unemploymentOrg / 100, empAmount: actualBase * config.unemploymentEmp / 100 },
     { name: '工伤', orgRate: config.injuryOrg, empRate: 0, orgAmount: actualBase * config.injuryOrg / 100, empAmount: 0 },
     { name: '生育', orgRate: config.maternityOrg, empRate: 0, orgAmount: medicalBase * config.maternityOrg / 100, empAmount: 0 },