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/prisma/schema.prisma

@@ -509,6 +509,8 @@ model SocialYearStandard {
   pensionEmp      Float    @default(8)
   medicalOrg      Float    @default(9.8)
   medicalEmp      Float    @default(2)
+  medicalOrgExtra Float    @default(0)     // 医疗企业附加（固定金额，如北京大病医疗）
+  medicalEmpExtra Float    @default(0)     // 医疗个人附加（固定金额，如北京3元大病医疗）
   unemploymentOrg Float    @default(0.5)
   unemploymentEmp Float    @default(0.5)
   injuryOrg       Float    @default(0.2)
@@ -549,6 +551,8 @@ model SocialInsuranceConfig {
   pensionEmp      Float    @default(8)     // 养老保险 个人比例 %
   medicalOrg      Float    @default(9.8)   // 医疗保险 企业比例 %
   medicalEmp      Float    @default(2)     // 医疗保险 个人比例 %
+  medicalOrgExtra Float    @default(0)     // 医疗企业附加（固定金额）
+  medicalEmpExtra Float    @default(0)     // 医疗个人附加（固定金额，如北京3元）
   unemploymentOrg Float    @default(0.5)   // 失业保险 企业比例 %
   unemploymentEmp Float    @default(0.5)   // 失业保险 个人比例 %
   injuryOrg       Float    @default(0.2)   // 工伤保险 企业比例 %

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 medicalOrg = medicalBase * config.medicalOrg / 100 + (config.medicalOrgExtra || 0)
-    const medicalEmp = medicalBase * config.medicalEmp / 100
+    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 },

backend/src/services/payroll.service.ts

@@ -113,8 +113,8 @@ export function calcSocialInsurance(base: number, config: any) {
   const medMin = config.medicalBaseMin && config.medicalBaseMin > 0 ? config.medicalBaseMin : config.baseMin
   const medMax = config.medicalBaseMax && config.medicalBaseMax > 0 ? config.medicalBaseMax : config.baseMax
   const medicalBase = Math.min(Math.max(base, medMin), medMax)
-  let socialEmp = actualBase * (config.pensionEmp + config.unemploymentEmp) / 100 + medicalBase * config.medicalEmp / 100
+  let socialEmp = actualBase * (config.pensionEmp + config.unemploymentEmp) / 100 + medicalBase * config.medicalEmp / 100 + (config.medicalEmpExtra || 0)
-  let socialOrg = actualBase * (config.pensionOrg + config.unemploymentOrg + config.injuryOrg) / 100 + medicalBase * (config.medicalOrg + config.maternityOrg) / 100
+  let socialOrg = actualBase * (config.pensionOrg + config.unemploymentOrg + config.injuryOrg) / 100 + medicalBase * (config.medicalOrg + config.maternityOrg) / 100 + (config.medicalOrgExtra || 0)
   // 附加险种（大病险/长护险等）
   const extraItems: any[] = []
   if (config.extraInsurances && Array.isArray(config.extraInsurances)) {

frontend/src/lib/api-services.ts

@@ -538,6 +538,9 @@ export const socialAccountApi = {
   /** 按账户获取当前生效标准 */
   currentStandard: (accountId: string) =>
     get(`/social/accounts/${accountId}/current-standard`).then(unwrap<any>()),
+  /** 按账户获取继承数据（当前标准→旧配置→null），用于新建年度标准初始值 */
+  inheritConfig: (accountId: string) =>
+    get(`/social/accounts/${accountId}/inherit-config`).then(unwrap<any>()),
   /** 按账户+月份获取适用标准 */
   standardByMonth: (accountId: string, month: string) =>
     get(`/social/accounts/${accountId}/standard-by-month/${month}`).then(unwrap<any>()),

frontend/src/pages/social-insurance/AccountCard.tsx

@@ -42,7 +42,7 @@ export function AccountCard({
     effectiveFrom: new Date().toISOString().slice(0, 7),
     city: account.city,
     pensionOrg: 16, pensionEmp: 8,
-    medicalOrg: 9.8, medicalEmp: 2,
+    medicalOrg: 9.8, medicalEmp: 2, medicalOrgExtra: 0, medicalEmpExtra: 0,
     unemploymentOrg: 0.5, unemploymentEmp: 0.5,
     injuryOrg: 0.2, maternityOrg: 0.8,
     baseMin: 6326, baseMax: 33891,
@@ -349,7 +349,7 @@ export function AccountCard({
                     <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">医保基数上限</span><span className="font-medium">¥{fmt(config.medicalBaseMax)}</span></div>
                   )}
                   <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">养老(企业/个人)</span><span className="font-medium">{config.pensionOrg}% / {config.pensionEmp}%</span></div>
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">医疗(企业/个人)</span><span className="font-medium">{config.medicalOrg}% / {config.medicalEmp}%</span></div>
+                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">医疗(企业/个人)</span><span className="font-medium">{config.medicalOrg}% / {config.medicalEmp}%{(config.medicalOrgExtra > 0 || config.medicalEmpExtra > 0) && ` + ¥${fmt(config.medicalOrgExtra)}/¥${fmt(config.medicalEmpExtra)}`}</span></div>
                   <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">失业(企业/个人)</span><span className="font-medium">{config.unemploymentOrg}% / {config.unemploymentEmp}%</span></div>
                   <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">工伤(企业)</span><span className="font-medium">{config.injuryOrg}%</span></div>
                   <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">生育(企业)</span><span className="font-medium">{config.maternityOrg}%</span></div>
@@ -397,7 +397,43 @@ export function AccountCard({
 
           {/* 操作按钮 */}
           <div className="flex items-center gap-2">
-            <Button size="sm" onClick={() => setShowNewVersion(!showNewVersion)}>
+            <Button size="sm" onClick={async () => {
+              if (!showNewVersion) {
+                // 打开新建表单时，自动继承当前标准或旧配置
+                try {
+                  const inherited = await socialAccountApi.inheritConfig(account.id)
+                  if (inherited) {
+                    setNewVersion({
+                      ...newVersion,
+                      effectiveFrom: new Date().toISOString().slice(0, 7),
+                      city: account.city,
+                      pensionOrg: inherited.pensionOrg ?? newVersion.pensionOrg,
+                      pensionEmp: inherited.pensionEmp ?? newVersion.pensionEmp,
+                      medicalOrg: inherited.medicalOrg ?? newVersion.medicalOrg,
+                      medicalEmp: inherited.medicalEmp ?? newVersion.medicalEmp,
+                      medicalOrgExtra: inherited.medicalOrgExtra ?? 0,
+                      medicalEmpExtra: inherited.medicalEmpExtra ?? 0,
+                      unemploymentOrg: inherited.unemploymentOrg ?? newVersion.unemploymentOrg,
+                      unemploymentEmp: inherited.unemploymentEmp ?? newVersion.unemploymentEmp,
+                      injuryOrg: inherited.injuryOrg ?? newVersion.injuryOrg,
+                      maternityOrg: inherited.maternityOrg ?? newVersion.maternityOrg,
+                      baseMin: inherited.baseMin ?? newVersion.baseMin,
+                      baseMax: inherited.baseMax ?? newVersion.baseMax,
+                      medicalBaseMin: inherited.medicalBaseMin ?? 0,
+                      medicalBaseMax: inherited.medicalBaseMax ?? 0,
+                      minWage: inherited.minWage ?? 0,
+                      extraInsurances: inherited.extraInsurances ?? [],
+                      housingOrg: inherited.housingOrg ?? newVersion.housingOrg,
+                      housingEmp: inherited.housingEmp ?? newVersion.housingEmp,
+                      housingBaseMin: inherited.housingBaseMin ?? 0,
+                      housingBaseMax: inherited.housingBaseMax ?? 0,
+                      accountType: account.accountType || 'BASIC',
+                    })
+                  }
+                } catch {}
+              }
+              setShowNewVersion(!showNewVersion)
+            }}>
               <Plus className="w-4 h-4 mr-1" />新建年度标准
             </Button>
             <Button variant="secondary" size="sm" onClick={() => setShowVersions(!showVersions)}>
@@ -621,6 +657,8 @@ export function AccountCard({
                     <div><Label>养老(个人%)</Label><Input type="number" step="0.1" value={newVersion.pensionEmp} onChange={(e) => setNewVersion({ ...newVersion, pensionEmp: Number(e.target.value) })} /></div>
                     <div><Label>医疗(企业%)</Label><Input type="number" step="0.1" value={newVersion.medicalOrg} onChange={(e) => setNewVersion({ ...newVersion, medicalOrg: Number(e.target.value) })} /></div>
                     <div><Label>医疗(个人%)</Label><Input type="number" step="0.1" value={newVersion.medicalEmp} onChange={(e) => setNewVersion({ ...newVersion, medicalEmp: Number(e.target.value) })} /></div>
+                    <div><Label>医疗企业附加(元)</Label><Input type="number" step="0.01" value={newVersion.medicalOrgExtra} onChange={(e) => setNewVersion({ ...newVersion, medicalOrgExtra: Number(e.target.value) })} placeholder="0" /><p className="text-xs text-gray-400 mt-1">固定金额，如大病医疗</p></div>
+                    <div><Label>医疗个人附加(元)</Label><Input type="number" step="0.01" value={newVersion.medicalEmpExtra} onChange={(e) => setNewVersion({ ...newVersion, medicalEmpExtra: Number(e.target.value) })} placeholder="如 北京3元" /><p className="text-xs text-gray-400 mt-1">固定金额，如北京3元大病医疗</p></div>
                     <div><Label>失业(企业%)</Label><Input type="number" step="0.1" value={newVersion.unemploymentOrg} onChange={(e) => setNewVersion({ ...newVersion, unemploymentOrg: Number(e.target.value) })} /></div>
                     <div><Label>失业(个人%)</Label><Input type="number" step="0.1" value={newVersion.unemploymentEmp} onChange={(e) => setNewVersion({ ...newVersion, unemploymentEmp: Number(e.target.value) })} /></div>
                     <div><Label>工伤(企业%)</Label><Input type="number" step="0.1" value={newVersion.injuryOrg} onChange={(e) => setNewVersion({ ...newVersion, injuryOrg: Number(e.target.value) })} /></div>