增加成本测算、提交草稿

huimv-employment/fe-api/src/main/java/com/huimv/employment/controller/mcp/McpDraftController.java

@@ -2,9 +2,12 @@ package com.huimv.employment.controller.mcp;
 
 import com.huimv.employment.common.web.R;
 import com.huimv.employment.service.draft.McpDraftService;
+import com.huimv.employment.service.draft.dto.McpDraftCalculateResponse;
 import com.huimv.employment.service.draft.dto.McpDraftGenerateRequest;
 import com.huimv.employment.service.draft.dto.McpDraftGenerateResponse;
 import com.huimv.employment.service.draft.dto.McpDraftInfoResponse;
+import com.huimv.employment.service.draft.dto.McpDraftSubmitRequest;
+import com.huimv.employment.service.draft.dto.McpDraftSubmitResponse;
 import com.huimv.employment.service.draft.dto.McpDraftUpdateRequest;
 import com.huimv.employment.service.draft.dto.McpDraftUpdateResponse;
 import io.swagger.v3.oas.annotations.Operation;
@@ -81,4 +84,28 @@ public class McpDraftController {
     public R<McpDraftInfoResponse> info(@RequestHeader(HEADER_SESSION_ID) String sessionId) {
         return R.ok(mcpDraftService.getInfo(sessionId));
     }
+
+    @PostMapping("/calculate")
+    @Operation(summary = "成本测算",
+            description = "草稿 status=ready 后调用，返回 SCHEME_A/SCHEME_B 多套合规方案。",
+            parameters = {
+                    @Parameter(name = HEADER_SESSION_ID, in = ParameterIn.HEADER, required = true),
+                    @Parameter(name = "X-Fe-Ai-Key", in = ParameterIn.HEADER)
+            })
+    public R<McpDraftCalculateResponse> calculate(@RequestHeader(HEADER_SESSION_ID) String sessionId) {
+        return R.ok(mcpDraftService.calculate(sessionId));
+    }
+
+    @PostMapping("/submit")
+    @Operation(summary = "确认并提交草稿",
+            description = "用户选定方案后转化为正式订单，需先调用 calculate。",
+            parameters = {
+                    @Parameter(name = HEADER_SESSION_ID, in = ParameterIn.HEADER, required = true),
+                    @Parameter(name = "X-Fe-Ai-Key", in = ParameterIn.HEADER)
+            })
+    public R<McpDraftSubmitResponse> submit(
+            @RequestHeader(HEADER_SESSION_ID) String sessionId,
+            @Validated @RequestBody McpDraftSubmitRequest request) {
+        return R.ok(mcpDraftService.submit(sessionId, request));
+    }
 }

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/entity/FeDraftCostSnapshot.java

@@ -0,0 +1,157 @@
+package com.huimv.employment.dao.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * 草稿成本对比快照 {@code fe_draft_cost_snapshot} 实体。
+ */
+@TableName("fe_draft_cost_snapshot")
+public class FeDraftCostSnapshot {
+
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    private Long draftId;
+
+    private Long planId;
+
+    private String planCode;
+
+    private String planName;
+
+    private BigDecimal employerTotalOutflow;
+
+    private BigDecimal employerAvgCostPerWorker;
+
+    private BigDecimal workerTakeHomePerWorker;
+
+    private Boolean isRecommended;
+
+    private String statusTag;
+
+    /** JSON 数组字符串 */
+    private String complianceTags;
+
+    private String notice;
+
+    private String calcVersion;
+
+    private LocalDateTime createTime;
+
+    public Long getId() {
+        return id;
+    }
+
+    public void setId(Long id) {
+        this.id = id;
+    }
+
+    public Long getDraftId() {
+        return draftId;
+    }
+
+    public void setDraftId(Long draftId) {
+        this.draftId = draftId;
+    }
+
+    public Long getPlanId() {
+        return planId;
+    }
+
+    public void setPlanId(Long planId) {
+        this.planId = planId;
+    }
+
+    public String getPlanCode() {
+        return planCode;
+    }
+
+    public void setPlanCode(String planCode) {
+        this.planCode = planCode;
+    }
+
+    public String getPlanName() {
+        return planName;
+    }
+
+    public void setPlanName(String planName) {
+        this.planName = planName;
+    }
+
+    public BigDecimal getEmployerTotalOutflow() {
+        return employerTotalOutflow;
+    }
+
+    public void setEmployerTotalOutflow(BigDecimal employerTotalOutflow) {
+        this.employerTotalOutflow = employerTotalOutflow;
+    }
+
+    public BigDecimal getEmployerAvgCostPerWorker() {
+        return employerAvgCostPerWorker;
+    }
+
+    public void setEmployerAvgCostPerWorker(BigDecimal employerAvgCostPerWorker) {
+        this.employerAvgCostPerWorker = employerAvgCostPerWorker;
+    }
+
+    public BigDecimal getWorkerTakeHomePerWorker() {
+        return workerTakeHomePerWorker;
+    }
+
+    public void setWorkerTakeHomePerWorker(BigDecimal workerTakeHomePerWorker) {
+        this.workerTakeHomePerWorker = workerTakeHomePerWorker;
+    }
+
+    public Boolean getIsRecommended() {
+        return isRecommended;
+    }
+
+    public void setIsRecommended(Boolean recommended) {
+        isRecommended = recommended;
+    }
+
+    public String getStatusTag() {
+        return statusTag;
+    }
+
+    public void setStatusTag(String statusTag) {
+        this.statusTag = statusTag;
+    }
+
+    public String getComplianceTags() {
+        return complianceTags;
+    }
+
+    public void setComplianceTags(String complianceTags) {
+        this.complianceTags = complianceTags;
+    }
+
+    public String getNotice() {
+        return notice;
+    }
+
+    public void setNotice(String notice) {
+        this.notice = notice;
+    }
+
+    public String getCalcVersion() {
+        return calcVersion;
+    }
+
+    public void setCalcVersion(String calcVersion) {
+        this.calcVersion = calcVersion;
+    }
+
+    public LocalDateTime getCreateTime() {
+        return createTime;
+    }
+
+    public void setCreateTime(LocalDateTime createTime) {
+        this.createTime = createTime;
+    }
+}

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/entity/FeEmploymentOrder.java

@@ -0,0 +1,230 @@
+package com.huimv.employment.dao.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableLogic;
+import com.baomidou.mybatisplus.annotation.TableName;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * 用工订单主表 {@code fe_employment_order} 实体。
+ */
+@TableName("fe_employment_order")
+public class FeEmploymentOrder {
+
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    private String orderNo;
+
+    private Long enterpriseId;
+
+    private Long draftId;
+
+    private Long selectedPlanId;
+
+    private String title;
+
+    private Integer workerCount;
+
+    private Integer workDays;
+
+    private String workType;
+
+    private String workLocation;
+
+    private LocalDate workStartDate;
+
+    private LocalDate workEndDate;
+
+    /** confirmed / in_progress / settling / completed 等 */
+    private String orderStatus;
+
+    private String currentStepCode;
+
+    private Integer registeredCount;
+
+    private Integer pendingCount;
+
+    private Integer abnormalCount;
+
+    private BigDecimal totalOutflow;
+
+    private LocalDateTime createTime;
+
+    private LocalDateTime updateTime;
+
+    @TableLogic
+    private Integer delFlag;
+
+    public Long getId() {
+        return id;
+    }
+
+    public void setId(Long id) {
+        this.id = id;
+    }
+
+    public String getOrderNo() {
+        return orderNo;
+    }
+
+    public void setOrderNo(String orderNo) {
+        this.orderNo = orderNo;
+    }
+
+    public Long getEnterpriseId() {
+        return enterpriseId;
+    }
+
+    public void setEnterpriseId(Long enterpriseId) {
+        this.enterpriseId = enterpriseId;
+    }
+
+    public Long getDraftId() {
+        return draftId;
+    }
+
+    public void setDraftId(Long draftId) {
+        this.draftId = draftId;
+    }
+
+    public Long getSelectedPlanId() {
+        return selectedPlanId;
+    }
+
+    public void setSelectedPlanId(Long selectedPlanId) {
+        this.selectedPlanId = selectedPlanId;
+    }
+
+    public String getTitle() {
+        return title;
+    }
+
+    public void setTitle(String title) {
+        this.title = title;
+    }
+
+    public Integer getWorkerCount() {
+        return workerCount;
+    }
+
+    public void setWorkerCount(Integer workerCount) {
+        this.workerCount = workerCount;
+    }
+
+    public Integer getWorkDays() {
+        return workDays;
+    }
+
+    public void setWorkDays(Integer workDays) {
+        this.workDays = workDays;
+    }
+
+    public String getWorkType() {
+        return workType;
+    }
+
+    public void setWorkType(String workType) {
+        this.workType = workType;
+    }
+
+    public String getWorkLocation() {
+        return workLocation;
+    }
+
+    public void setWorkLocation(String workLocation) {
+        this.workLocation = workLocation;
+    }
+
+    public LocalDate getWorkStartDate() {
+        return workStartDate;
+    }
+
+    public void setWorkStartDate(LocalDate workStartDate) {
+        this.workStartDate = workStartDate;
+    }
+
+    public LocalDate getWorkEndDate() {
+        return workEndDate;
+    }
+
+    public void setWorkEndDate(LocalDate workEndDate) {
+        this.workEndDate = workEndDate;
+    }
+
+    public String getOrderStatus() {
+        return orderStatus;
+    }
+
+    public void setOrderStatus(String orderStatus) {
+        this.orderStatus = orderStatus;
+    }
+
+    public String getCurrentStepCode() {
+        return currentStepCode;
+    }
+
+    public void setCurrentStepCode(String currentStepCode) {
+        this.currentStepCode = currentStepCode;
+    }
+
+    public Integer getRegisteredCount() {
+        return registeredCount;
+    }
+
+    public void setRegisteredCount(Integer registeredCount) {
+        this.registeredCount = registeredCount;
+    }
+
+    public Integer getPendingCount() {
+        return pendingCount;
+    }
+
+    public void setPendingCount(Integer pendingCount) {
+        this.pendingCount = pendingCount;
+    }
+
+    public Integer getAbnormalCount() {
+        return abnormalCount;
+    }
+
+    public void setAbnormalCount(Integer abnormalCount) {
+        this.abnormalCount = abnormalCount;
+    }
+
+    public BigDecimal getTotalOutflow() {
+        return totalOutflow;
+    }
+
+    public void setTotalOutflow(BigDecimal totalOutflow) {
+        this.totalOutflow = totalOutflow;
+    }
+
+    public LocalDateTime getCreateTime() {
+        return createTime;
+    }
+
+    public void setCreateTime(LocalDateTime createTime) {
+        this.createTime = createTime;
+    }
+
+    public LocalDateTime getUpdateTime() {
+        return updateTime;
+    }
+
+    public void setUpdateTime(LocalDateTime updateTime) {
+        this.updateTime = updateTime;
+    }
+
+    public Integer getDelFlag() {
+        return delFlag;
+    }
+
+    public void setDelFlag(Integer delFlag) {
+        this.delFlag = delFlag;
+    }
+}

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/mapper/FeDraftCostSnapshotMapper.java

@@ -0,0 +1,9 @@
+package com.huimv.employment.dao.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.huimv.employment.dao.entity.FeDraftCostSnapshot;
+import org.apache.ibatis.annotations.Mapper;
+
+@Mapper
+public interface FeDraftCostSnapshotMapper extends BaseMapper<FeDraftCostSnapshot> {
+}

huimv-employment/fe-dao/src/main/java/com/huimv/employment/dao/mapper/FeEmploymentOrderMapper.java

@@ -0,0 +1,9 @@
+package com.huimv.employment.dao.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import com.huimv.employment.dao.entity.FeEmploymentOrder;
+import org.apache.ibatis.annotations.Mapper;
+
+@Mapper
+public interface FeEmploymentOrderMapper extends BaseMapper<FeEmploymentOrder> {
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/DraftCostCalculationEngine.java

@@ -0,0 +1,218 @@
+package com.huimv.employment.service.draft;
+
+import com.huimv.employment.dao.entity.FeEmploymentDraft;
+import com.huimv.employment.service.draft.dto.McpDraftCalculateResponse;
+import com.huimv.employment.service.draft.dto.McpDraftSchemeCostResponse;
+import com.huimv.employment.service.draft.dto.McpDraftSchemeResponse;
+import com.huimv.employment.service.draft.dto.McpDraftSchemeWorkerIncomeResponse;
+import org.springframework.stereotype.Component;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.util.Arrays;
+import java.util.List;
+
+/**
+ * 草稿成本测算引擎（v2 §6.3.4 黑盒）。
+ * <p>一期内置 SCHEME_A（灵活用工）与 SCHEME_B（劳务报酬）两套规则，后续可接入 fe_service_plan。</p>
+ */
+@Component
+public class DraftCostCalculationEngine {
+
+    public static final String SCHEME_A = "SCHEME_A";
+    public static final String SCHEME_B = "SCHEME_B";
+    private static final String CALC_VERSION = "v1";
+
+    /** 灵活用工平台服务费率 2% */
+    private static final BigDecimal SCHEME_A_SERVICE_FEE_RATE = new BigDecimal("0.02");
+    /** 劳务报酬预扣税率（示例：3000 元对应 440 元） */
+    private static final BigDecimal SCHEME_B_TAX_RATE = new BigDecimal("440").divide(new BigDecimal("3000"), 8, RoundingMode.HALF_UP);
+
+    public List<CalculatedScheme> calculate(FeEmploymentDraft draft) {
+        BigDecimal laborTotal = draft.getEstimatedTotal();
+        int workerCount = draft.getWorkerCount() != null && draft.getWorkerCount() > 0
+                ? draft.getWorkerCount() : 1;
+        return Arrays.asList(
+                buildSchemeA(laborTotal, workerCount),
+                buildSchemeB(laborTotal, workerCount));
+    }
+
+    public McpDraftCalculateResponse toApiResponse(List<CalculatedScheme> schemes) {
+        McpDraftCalculateResponse response = new McpDraftCalculateResponse();
+        for (CalculatedScheme scheme : schemes) {
+            response.getSchemes().add(toSchemeResponse(scheme));
+        }
+        return response;
+    }
+
+    public String calcVersion() {
+        return CALC_VERSION;
+    }
+
+    private CalculatedScheme buildSchemeA(BigDecimal laborTotal, int workerCount) {
+        BigDecimal companyPay = scaleMoney(laborTotal);
+        BigDecimal serviceFee = scaleMoney(companyPay.multiply(SCHEME_A_SERVICE_FEE_RATE));
+        BigDecimal totalCost = companyPay.add(serviceFee);
+        BigDecimal gross = companyPay;
+        BigDecimal tax = BigDecimal.ZERO.setScale(2, RoundingMode.HALF_UP);
+        BigDecimal net = gross;
+        return new CalculatedScheme(
+                SCHEME_A,
+                "灵活用工模式（推荐）",
+                Arrays.asList("合规", "低税负"),
+                true,
+                companyPay, serviceFee, totalCost,
+                gross, tax, net,
+                totalCost, net, workerCount);
+    }
+
+    private CalculatedScheme buildSchemeB(BigDecimal laborTotal, int workerCount) {
+        BigDecimal companyPay = scaleMoney(laborTotal);
+        BigDecimal totalCost = companyPay;
+        BigDecimal gross = companyPay;
+        BigDecimal tax = scaleMoney(gross.multiply(SCHEME_B_TAX_RATE));
+        BigDecimal net = gross.subtract(tax);
+        return new CalculatedScheme(
+                SCHEME_B,
+                "劳务报酬模式",
+                Arrays.asList("传统"),
+                false,
+                companyPay, null, totalCost,
+                gross, tax, net,
+                totalCost, net, workerCount);
+    }
+
+    private McpDraftSchemeResponse toSchemeResponse(CalculatedScheme scheme) {
+        McpDraftSchemeResponse response = new McpDraftSchemeResponse();
+        response.setCode(scheme.getCode());
+        response.setTitle(scheme.getTitle());
+        response.setTags(scheme.getTags());
+
+        McpDraftSchemeCostResponse cost = new McpDraftSchemeCostResponse();
+        cost.setCompanyPay(formatMoney(scheme.getCompanyPay()));
+        if (scheme.getServiceFee() != null) {
+            cost.setServiceFee(formatMoney(scheme.getServiceFee()));
+        }
+        cost.setTotalCost(formatMoney(scheme.getTotalCost()));
+        response.setCost(cost);
+
+        McpDraftSchemeWorkerIncomeResponse income = new McpDraftSchemeWorkerIncomeResponse();
+        income.setGross(formatMoney(scheme.getGross()));
+        income.setTax(formatMoney(scheme.getTax()));
+        income.setNet(formatMoney(scheme.getNet()));
+        response.setWorkerIncome(income);
+        return response;
+    }
+
+    private static BigDecimal scaleMoney(BigDecimal value) {
+        return value.setScale(2, RoundingMode.HALF_UP);
+    }
+
+    private static String formatMoney(BigDecimal value) {
+        return scaleMoney(value).toPlainString();
+    }
+
+    /**
+     * 测算结果内部模型，供快照落库与 API 转换共用。
+     */
+    public static final class CalculatedScheme {
+
+        private final String code;
+        private final String title;
+        private final List<String> tags;
+        private final boolean recommended;
+        private final BigDecimal companyPay;
+        private final BigDecimal serviceFee;
+        private final BigDecimal totalCost;
+        private final BigDecimal gross;
+        private final BigDecimal tax;
+        private final BigDecimal net;
+        private final BigDecimal employerTotalOutflow;
+        private final BigDecimal workerTakeHomePerWorker;
+        private final int workerCount;
+
+        public CalculatedScheme(String code,
+                                String title,
+                                List<String> tags,
+                                boolean recommended,
+                                BigDecimal companyPay,
+                                BigDecimal serviceFee,
+                                BigDecimal totalCost,
+                                BigDecimal gross,
+                                BigDecimal tax,
+                                BigDecimal net,
+                                BigDecimal employerTotalOutflow,
+                                BigDecimal workerTakeHomePerWorker,
+                                int workerCount) {
+            this.code = code;
+            this.title = title;
+            this.tags = tags;
+            this.recommended = recommended;
+            this.companyPay = companyPay;
+            this.serviceFee = serviceFee;
+            this.totalCost = totalCost;
+            this.gross = gross;
+            this.tax = tax;
+            this.net = net;
+            this.employerTotalOutflow = employerTotalOutflow;
+            this.workerTakeHomePerWorker = workerCount > 0
+                    ? workerTakeHomePerWorker.divide(BigDecimal.valueOf(workerCount), 2, RoundingMode.HALF_UP)
+                    : workerTakeHomePerWorker;
+            this.workerCount = workerCount;
+        }
+
+        public String getCode() {
+            return code;
+        }
+
+        public String getTitle() {
+            return title;
+        }
+
+        public List<String> getTags() {
+            return tags;
+        }
+
+        public boolean isRecommended() {
+            return recommended;
+        }
+
+        public BigDecimal getCompanyPay() {
+            return companyPay;
+        }
+
+        public BigDecimal getServiceFee() {
+            return serviceFee;
+        }
+
+        public BigDecimal getTotalCost() {
+            return totalCost;
+        }
+
+        public BigDecimal getGross() {
+            return gross;
+        }
+
+        public BigDecimal getTax() {
+            return tax;
+        }
+
+        public BigDecimal getNet() {
+            return net;
+        }
+
+        public BigDecimal getEmployerTotalOutflow() {
+            return employerTotalOutflow;
+        }
+
+        public BigDecimal getEmployerAvgCostPerWorker() {
+            return workerCount > 0
+                    ? employerTotalOutflow.divide(BigDecimal.valueOf(workerCount), 2, RoundingMode.HALF_UP)
+                    : employerTotalOutflow;
+        }
+
+        public BigDecimal getWorkerTakeHomePerWorker() {
+            return workerTakeHomePerWorker;
+        }
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/McpDraftService.java

@@ -5,15 +5,22 @@ import com.fasterxml.jackson.databind.ObjectMapper;
 import com.huimv.employment.common.exception.BizException;
 import com.huimv.employment.common.exception.ErrorCode;
 import com.huimv.employment.dao.entity.FeConversation;
+import com.huimv.employment.dao.entity.FeDraftCostSnapshot;
 import com.huimv.employment.dao.entity.FeDraftField;
 import com.huimv.employment.dao.entity.FeEmploymentDraft;
+import com.huimv.employment.dao.entity.FeEmploymentOrder;
 import com.huimv.employment.dao.entity.FeEnterprise;
+import com.huimv.employment.dao.mapper.FeDraftCostSnapshotMapper;
 import com.huimv.employment.dao.mapper.FeDraftFieldMapper;
 import com.huimv.employment.dao.mapper.FeEmploymentDraftMapper;
+import com.huimv.employment.dao.mapper.FeEmploymentOrderMapper;
 import com.huimv.employment.service.conversation.ConversationService;
+import com.huimv.employment.service.draft.dto.McpDraftCalculateResponse;
 import com.huimv.employment.service.draft.dto.McpDraftGenerateRequest;
 import com.huimv.employment.service.draft.dto.McpDraftGenerateResponse;
 import com.huimv.employment.service.draft.dto.McpDraftInfoResponse;
+import com.huimv.employment.service.draft.dto.McpDraftSubmitRequest;
+import com.huimv.employment.service.draft.dto.McpDraftSubmitResponse;
 import com.huimv.employment.service.draft.dto.McpDraftUpdateRequest;
 import com.huimv.employment.service.draft.dto.McpDraftUpdateResponse;
 import com.huimv.employment.service.enterprise.EnterpriseService;
@@ -47,6 +54,10 @@ public class McpDraftService {
     private static final Logger log = LoggerFactory.getLogger(McpDraftService.class);
 
     private static final String DB_STATUS_PENDING = "pending";
+    private static final String DB_STATUS_CONFIRMED = "confirmed";
+    private static final String ORDER_STATUS_CONFIRMED = "confirmed";
+    private static final String STEP_PLAN_CONFIRMED = "plan_confirmed";
+    private static final String SUBMIT_SUCCESS = "success";
     private static final String MCP_STATUS_INCOMPLETE = "incomplete";
     private static final String MCP_STATUS_READY = "ready";
     private static final String MCP_STATUS_SUBMITTED = "submitted";
@@ -63,21 +74,33 @@ public class McpDraftService {
     private static final Set<String> ALLOWED_SETTLEMENT_MODES = Collections.unmodifiableSet(new HashSet<>(Arrays.asList(
             "daily", "piece", "monthly")));
 
+    private static final Set<String> ALLOWED_SCHEME_CODES = Collections.unmodifiableSet(new HashSet<>(Arrays.asList(
+            DraftCostCalculationEngine.SCHEME_A, DraftCostCalculationEngine.SCHEME_B)));
+
     private final FeEmploymentDraftMapper feEmploymentDraftMapper;
     private final FeDraftFieldMapper feDraftFieldMapper;
+    private final FeDraftCostSnapshotMapper feDraftCostSnapshotMapper;
+    private final FeEmploymentOrderMapper feEmploymentOrderMapper;
     private final ConversationService conversationService;
     private final EnterpriseService enterpriseService;
+    private final DraftCostCalculationEngine draftCostCalculationEngine;
     private final ObjectMapper objectMapper;
 
     public McpDraftService(FeEmploymentDraftMapper feEmploymentDraftMapper,
                            FeDraftFieldMapper feDraftFieldMapper,
+                           FeDraftCostSnapshotMapper feDraftCostSnapshotMapper,
+                           FeEmploymentOrderMapper feEmploymentOrderMapper,
                            ConversationService conversationService,
                            EnterpriseService enterpriseService,
+                           DraftCostCalculationEngine draftCostCalculationEngine,
                            ObjectMapper objectMapper) {
         this.feEmploymentDraftMapper = feEmploymentDraftMapper;
         this.feDraftFieldMapper = feDraftFieldMapper;
+        this.feDraftCostSnapshotMapper = feDraftCostSnapshotMapper;
+        this.feEmploymentOrderMapper = feEmploymentOrderMapper;
         this.conversationService = conversationService;
         this.enterpriseService = enterpriseService;
+        this.draftCostCalculationEngine = draftCostCalculationEngine;
         this.objectMapper = objectMapper;
     }
 
@@ -138,6 +161,146 @@ public class McpDraftService {
         return toInfoResponse(draft);
     }
 
+    @Transactional(rollbackFor = Exception.class)
+    public McpDraftCalculateResponse calculate(String sessionId) {
+        FeConversation conversation = conversationService.requireBySessionId(sessionId);
+        FeEmploymentDraft draft = requireReadyDraft(conversation.getId());
+        List<DraftCostCalculationEngine.CalculatedScheme> schemes = draftCostCalculationEngine.calculate(draft);
+        persistCostSnapshots(draft, schemes);
+        updateDraftEstimates(draft, schemes, LocalDateTime.now());
+        return draftCostCalculationEngine.toApiResponse(schemes);
+    }
+
+    @Transactional(rollbackFor = Exception.class)
+    public McpDraftSubmitResponse submit(String sessionId, McpDraftSubmitRequest request) {
+        FeConversation conversation = conversationService.requireBySessionId(sessionId);
+        FeEmploymentDraft draft = requireReadyDraft(conversation.getId());
+        String schemeCode = request.getSelectedSchemeCode().trim().toUpperCase();
+        if (!ALLOWED_SCHEME_CODES.contains(schemeCode)) {
+            throw new BizException(ErrorCode.BAD_REQUEST, "不支持的方案编码：" + request.getSelectedSchemeCode());
+        }
+        FeDraftCostSnapshot snapshot = findLatestSnapshot(draft.getId(), schemeCode);
+        if (snapshot == null) {
+            throw new BizException(ErrorCode.BAD_REQUEST, "请先调用 calculate 获取方案后再提交");
+        }
+
+        LocalDateTime now = LocalDateTime.now();
+        FeEmploymentOrder order = buildOrderFromDraft(draft, snapshot, now);
+        order.setOrderNo("tmp_" + UUID.randomUUID().toString().replace("-", "").substring(0, 20));
+        try {
+            feEmploymentOrderMapper.insert(order);
+        } catch (DuplicateKeyException ex) {
+            throw new BizException(ErrorCode.BAD_REQUEST, "订单编号冲突，请重试");
+        }
+        order.setOrderNo(generateOrderNo(order.getId()));
+        feEmploymentOrderMapper.updateById(order);
+
+        FeEmploymentDraft draftUpdate = new FeEmploymentDraft();
+        draftUpdate.setId(draft.getId());
+        draftUpdate.setStatus(DB_STATUS_CONFIRMED);
+        draftUpdate.setConfirmedAt(now);
+        draftUpdate.setEstimatedTotal(snapshot.getEmployerTotalOutflow());
+        draftUpdate.setEstimatedPerCapita(snapshot.getEmployerAvgCostPerWorker());
+        draftUpdate.setUpdateTime(now);
+        feEmploymentDraftMapper.updateById(draftUpdate);
+
+        McpDraftSubmitResponse response = new McpDraftSubmitResponse();
+        response.setStatus(SUBMIT_SUCCESS);
+        response.setOrderId(order.getOrderNo());
+        return response;
+    }
+
+    private FeEmploymentDraft requireReadyDraft(Long conversationId) {
+        FeEmploymentDraft draft = requirePendingDraft(conversationId);
+        List<String> missing = parseMissingFields(draft.getMissingFields());
+        if (!missing.isEmpty()) {
+            throw new BizException(ErrorCode.BAD_REQUEST,
+                    "草稿信息不完整，请先补全字段：" + String.join(", ", missing));
+        }
+        return draft;
+    }
+
+    private void persistCostSnapshots(FeEmploymentDraft draft,
+                                      List<DraftCostCalculationEngine.CalculatedScheme> schemes) {
+        feDraftCostSnapshotMapper.delete(new LambdaQueryWrapper<FeDraftCostSnapshot>()
+                .eq(FeDraftCostSnapshot::getDraftId, draft.getId()));
+        LocalDateTime now = LocalDateTime.now();
+        for (DraftCostCalculationEngine.CalculatedScheme scheme : schemes) {
+            FeDraftCostSnapshot snapshot = new FeDraftCostSnapshot();
+            snapshot.setDraftId(draft.getId());
+            snapshot.setPlanCode(scheme.getCode());
+            snapshot.setPlanName(scheme.getTitle());
+            snapshot.setEmployerTotalOutflow(scheme.getEmployerTotalOutflow());
+            snapshot.setEmployerAvgCostPerWorker(scheme.getEmployerAvgCostPerWorker());
+            snapshot.setWorkerTakeHomePerWorker(scheme.getWorkerTakeHomePerWorker());
+            snapshot.setIsRecommended(scheme.isRecommended());
+            snapshot.setComplianceTags(writeJsonArray(scheme.getTags()));
+            snapshot.setCalcVersion(draftCostCalculationEngine.calcVersion());
+            snapshot.setCreateTime(now);
+            feDraftCostSnapshotMapper.insert(snapshot);
+        }
+    }
+
+    private void updateDraftEstimates(FeEmploymentDraft draft,
+                                      List<DraftCostCalculationEngine.CalculatedScheme> schemes,
+                                      LocalDateTime now) {
+        DraftCostCalculationEngine.CalculatedScheme recommended = schemes.stream()
+                .filter(DraftCostCalculationEngine.CalculatedScheme::isRecommended)
+                .findFirst()
+                .orElse(schemes.get(0));
+        FeEmploymentDraft update = new FeEmploymentDraft();
+        update.setId(draft.getId());
+        update.setEstimatedTotal(recommended.getEmployerTotalOutflow());
+        update.setEstimatedPerCapita(recommended.getEmployerAvgCostPerWorker());
+        update.setUpdateTime(now);
+        feEmploymentDraftMapper.updateById(update);
+    }
+
+    private FeDraftCostSnapshot findLatestSnapshot(Long draftId, String schemeCode) {
+        return feDraftCostSnapshotMapper.selectOne(new LambdaQueryWrapper<FeDraftCostSnapshot>()
+                .eq(FeDraftCostSnapshot::getDraftId, draftId)
+                .eq(FeDraftCostSnapshot::getPlanCode, schemeCode)
+                .orderByDesc(FeDraftCostSnapshot::getCreateTime)
+                .last("LIMIT 1"));
+    }
+
+    private FeEmploymentOrder buildOrderFromDraft(FeEmploymentDraft draft,
+                                                  FeDraftCostSnapshot snapshot,
+                                                  LocalDateTime now) {
+        FeEmploymentOrder order = new FeEmploymentOrder();
+        order.setEnterpriseId(draft.getEnterpriseId());
+        order.setDraftId(draft.getId());
+        order.setTitle(StringUtils.hasText(draft.getTitle()) ? draft.getTitle() : "用工订单");
+        order.setWorkerCount(draft.getWorkerCount());
+        order.setWorkDays(draft.getWorkDays());
+        order.setWorkType(draft.getWorkType());
+        order.setWorkLocation(draft.getWorkLocation());
+        order.setWorkStartDate(draft.getWorkStartDate());
+        order.setWorkEndDate(draft.getWorkEndDate());
+        order.setOrderStatus(ORDER_STATUS_CONFIRMED);
+        order.setCurrentStepCode(STEP_PLAN_CONFIRMED);
+        order.setRegisteredCount(0);
+        order.setPendingCount(draft.getWorkerCount());
+        order.setAbnormalCount(0);
+        order.setTotalOutflow(snapshot.getEmployerTotalOutflow());
+        order.setCreateTime(now);
+        order.setUpdateTime(now);
+        order.setDelFlag(0);
+        return order;
+    }
+
+    private static String generateOrderNo(Long orderId) {
+        return String.format("ord_%d", orderId);
+    }
+
+    private String writeJsonArray(List<String> values) {
+        try {
+            return objectMapper.writeValueAsString(values);
+        } catch (Exception ex) {
+            return "[]";
+        }
+    }
+
     private void validateGenerateRequest(McpDraftGenerateRequest request) {
         if (request == null || !StringUtils.hasText(request.getSourceType())) {
             throw new BizException(ErrorCode.BAD_REQUEST, "source_type 不能为空");

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/McpDraftCalculateResponse.java

@@ -0,0 +1,21 @@
+package com.huimv.employment.service.draft.dto;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+
+import java.util.ArrayList;
+import java.util.List;
+
+@Schema(description = "MCP 成本测算响应（v2 §6.3.4）")
+public class McpDraftCalculateResponse {
+
+    @Schema(description = "合规方案列表")
+    private List<McpDraftSchemeResponse> schemes = new ArrayList<>();
+
+    public List<McpDraftSchemeResponse> getSchemes() {
+        return schemes;
+    }
+
+    public void setSchemes(List<McpDraftSchemeResponse> schemes) {
+        this.schemes = schemes;
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/McpDraftSchemeCostResponse.java

@@ -0,0 +1,46 @@
+package com.huimv.employment.service.draft.dto;
+
+import com.fasterxml.jackson.annotation.JsonInclude;
+import com.fasterxml.jackson.annotation.JsonProperty;
+import io.swagger.v3.oas.annotations.media.Schema;
+
+@JsonInclude(JsonInclude.Include.NON_NULL)
+@Schema(description = "方案企业成本")
+public class McpDraftSchemeCostResponse {
+
+    @JsonProperty("company_pay")
+    @Schema(description = "企业应付劳务费", example = "3000.00")
+    private String companyPay;
+
+    @JsonProperty("service_fee")
+    @Schema(description = "平台服务费", example = "60.00")
+    private String serviceFee;
+
+    @JsonProperty("total_cost")
+    @Schema(description = "企业总支出", example = "3060.00")
+    private String totalCost;
+
+    public String getCompanyPay() {
+        return companyPay;
+    }
+
+    public void setCompanyPay(String companyPay) {
+        this.companyPay = companyPay;
+    }
+
+    public String getServiceFee() {
+        return serviceFee;
+    }
+
+    public void setServiceFee(String serviceFee) {
+        this.serviceFee = serviceFee;
+    }
+
+    public String getTotalCost() {
+        return totalCost;
+    }
+
+    public void setTotalCost(String totalCost) {
+        this.totalCost = totalCost;
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/McpDraftSchemeResponse.java

@@ -0,0 +1,65 @@
+package com.huimv.employment.service.draft.dto;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+
+import java.util.ArrayList;
+import java.util.List;
+
+@Schema(description = "成本测算方案")
+public class McpDraftSchemeResponse {
+
+    @Schema(description = "方案编码", example = "SCHEME_A")
+    private String code;
+
+    @Schema(description = "方案标题", example = "灵活用工模式（推荐）")
+    private String title;
+
+    @Schema(description = "标签", example = "[\"合规\", \"低税负\"]")
+    private List<String> tags = new ArrayList<>();
+
+    @Schema(description = "企业成本")
+    private McpDraftSchemeCostResponse cost;
+
+    @Schema(description = "员工收入")
+    private McpDraftSchemeWorkerIncomeResponse workerIncome;
+
+    public String getCode() {
+        return code;
+    }
+
+    public void setCode(String code) {
+        this.code = code;
+    }
+
+    public String getTitle() {
+        return title;
+    }
+
+    public void setTitle(String title) {
+        this.title = title;
+    }
+
+    public List<String> getTags() {
+        return tags;
+    }
+
+    public void setTags(List<String> tags) {
+        this.tags = tags;
+    }
+
+    public McpDraftSchemeCostResponse getCost() {
+        return cost;
+    }
+
+    public void setCost(McpDraftSchemeCostResponse cost) {
+        this.cost = cost;
+    }
+
+    public McpDraftSchemeWorkerIncomeResponse getWorkerIncome() {
+        return workerIncome;
+    }
+
+    public void setWorkerIncome(McpDraftSchemeWorkerIncomeResponse workerIncome) {
+        this.workerIncome = workerIncome;
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/McpDraftSchemeWorkerIncomeResponse.java

@@ -0,0 +1,40 @@
+package com.huimv.employment.service.draft.dto;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+
+@Schema(description = "方案员工收入")
+public class McpDraftSchemeWorkerIncomeResponse {
+
+    @Schema(description = "税前收入", example = "3000.00")
+    private String gross;
+
+    @Schema(description = "代扣税费", example = "0.00")
+    private String tax;
+
+    @Schema(description = "到手收入", example = "3000.00")
+    private String net;
+
+    public String getGross() {
+        return gross;
+    }
+
+    public void setGross(String gross) {
+        this.gross = gross;
+    }
+
+    public String getTax() {
+        return tax;
+    }
+
+    public void setTax(String tax) {
+        this.tax = tax;
+    }
+
+    public String getNet() {
+        return net;
+    }
+
+    public void setNet(String net) {
+        this.net = net;
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/McpDraftSubmitRequest.java

@@ -0,0 +1,23 @@
+package com.huimv.employment.service.draft.dto;
+
+import com.fasterxml.jackson.annotation.JsonProperty;
+import io.swagger.v3.oas.annotations.media.Schema;
+
+import javax.validation.constraints.NotBlank;
+
+@Schema(description = "MCP 确认提交草稿请求（v2 §6.3.5）")
+public class McpDraftSubmitRequest {
+
+    @NotBlank(message = "selected_scheme_code 不能为空")
+    @JsonProperty("selected_scheme_code")
+    @Schema(description = "用户选定的方案编码", example = "SCHEME_A", requiredMode = Schema.RequiredMode.REQUIRED)
+    private String selectedSchemeCode;
+
+    public String getSelectedSchemeCode() {
+        return selectedSchemeCode;
+    }
+
+    public void setSelectedSchemeCode(String selectedSchemeCode) {
+        this.selectedSchemeCode = selectedSchemeCode;
+    }
+}

huimv-employment/fe-service/src/main/java/com/huimv/employment/service/draft/dto/McpDraftSubmitResponse.java

@@ -0,0 +1,31 @@
+package com.huimv.employment.service.draft.dto;
+
+import com.fasterxml.jackson.annotation.JsonProperty;
+import io.swagger.v3.oas.annotations.media.Schema;
+
+@Schema(description = "MCP 确认提交草稿响应（v2 §6.3.5）")
+public class McpDraftSubmitResponse {
+
+    @Schema(description = "提交结果", example = "success")
+    private String status;
+
+    @JsonProperty("order_id")
+    @Schema(description = "生成的正式订单 ID", example = "ord_98765")
+    private String orderId;
+
+    public String getStatus() {
+        return status;
+    }
+
+    public void setStatus(String status) {
+        this.status = status;
+    }
+
+    public String getOrderId() {
+        return orderId;
+    }
+
+    public void setOrderId(String orderId) {
+        this.orderId = orderId;
+    }
+}