fix(agent-calculate): 에이전트 기본 정산 비율을 7퍼센트로 조정한다

src/test/kotlin/kr/co/vividnext/sodalive/partner/agent/calculate/AgentCalculateQueryRepositoryTest.kt

@@ -380,6 +380,54 @@ class AgentCalculateQueryRepositoryTest @Autowired constructor(
         assertEquals(kotlinTotal, dbTotal)
     }
 
+    @Test
+    @DisplayName("에이전트 비율 이력이 없으면 콘텐츠 후원 응답은 7퍼센트 기본값으로 agent 정산금을 계산한다")
+    fun shouldApplySevenPercentDefaultAgentSettlementRatioToContentDonationWhenAgentRatioHistoryDoesNotExist() {
+        val agent = saveMember("agent-default-content-donation", MemberRole.AGENT)
+        val creator = saveMember("creator-default-content-donation", MemberRole.CREATOR)
+        val buyer = saveMember("buyer-default-content-donation", MemberRole.USER)
+
+        saveRelation(agent, creator)
+
+        val donationContent = saveAudioContent(creator, "content-default-agent-ratio", price = 0, settlementRatio = null)
+        saveContentDonationUseCan(buyer, donationContent, 20, LocalDateTime.of(2026, 2, 20, 10, 0, 0))
+
+        val response = service.getCalculateContentDonationByCreator("2026-02-20", "2026-02-20", agent.id!!, 0, 10)
+
+        assertGenericSettlementResponse(
+            response,
+            expectedCount = 1,
+            expectedTotalCan = 20,
+            expectedAgentSettlementAmount = calculateGenericAgentSettlementAmount(
+                totalCan = 20,
+                settlementRatio = 70,
+                agentSettlementRatio = 7
+            )
+        )
+    }
+
+    @Test
+    @DisplayName("에이전트 비율 이력이 없으면 채널후원 응답은 7퍼센트 기본값으로 agent 정산금을 계산한다")
+    fun shouldApplySevenPercentDefaultAgentSettlementRatioToChannelDonationWhenAgentRatioHistoryDoesNotExist() {
+        val agent = saveMember("agent-default-channel-donation", MemberRole.AGENT)
+        val creator = saveMember("creator-default-channel-donation", MemberRole.CREATOR)
+        val sender = saveMember("sender-default-channel-donation", MemberRole.USER)
+
+        saveRelation(agent, creator)
+
+        val channelDonation = saveChannelDonationUseCan(sender, 50, LocalDateTime.of(2026, 2, 20, 10, 0, 0))
+        saveUseCanCalculate(channelDonation, creator.id!!, 50, PaymentGateway.PG)
+
+        val response = service.getChannelDonationByCreator("2026-02-20", "2026-02-20", agent.id!!, 0, 10)
+
+        assertChannelDonationSettlementResponse(
+            response,
+            expectedCount = 1,
+            expectedTotalCan = 50,
+            expectedAgentSettlementAmount = calculateChannelAgentSettlementAmount(totalCan = 50, agentSettlementRatio = 7)
+        )
+    }
+
     @Test
     @DisplayName("페이지 대상 creator가 없으면 모든 카테고리 조회는 빈 rows를 반환한다")
     fun shouldReturnEmptyRowsWhenPagedCreatorSelectionIsEmptyAcrossAllCategories() {

src/test/kotlin/kr/co/vividnext/sodalive/partner/agent/calculate/AgentCalculateServiceTest.kt

@@ -358,7 +358,7 @@ class AgentCalculateServiceTest {
     }
 
     @Test
-    @DisplayName("에이전트 비율 이력이 없으면 일반 정산 응답은 10퍼센트 기본값으로 agent 정산금을 계산한다")
+    @DisplayName("에이전트 비율 이력이 없으면 일반 정산 응답은 7퍼센트 기본값으로 agent 정산금을 계산한다")
     fun shouldApplyDefaultAgentSettlementRatioWhenAgentRatioHistoryDoesNotExist() {
         val queryData = listOf(
             GetAgentCreatorSettlementSummaryQueryData(
@@ -393,7 +393,7 @@ class AgentCalculateServiceTest {
                 settlementAmount = 1_308,
                 tax = 43,
                 depositAmount = 1_265,
-                agentSettlementAmount = 131
+                agentSettlementAmount = 92
             )
         )
         Mockito.`when`(
@@ -416,8 +416,8 @@ class AgentCalculateServiceTest {
 
         assertEquals(1, response.totalCount)
         assertEquals(1_308, response.total.settlementAmount)
-        assertEquals(131, response.total.agentSettlementAmount)
-        assertEquals(131, response.items[0].agentSettlementAmount)
+        assertEquals(92, response.total.agentSettlementAmount)
+        assertEquals(92, response.items[0].agentSettlementAmount)
     }
 
     @Test
@@ -493,7 +493,7 @@ class AgentCalculateServiceTest {
     }
 
     @Test
-    @DisplayName("에이전트 비율 이력이 없으면 채널후원 응답은 10퍼센트 기본값으로 agent 정산금을 계산한다")
+    @DisplayName("에이전트 비율 이력이 없으면 채널후원 응답은 7퍼센트 기본값으로 agent 정산금을 계산한다")
     fun shouldApplyDefaultAgentSettlementRatioToChannelDonationWhenAgentRatioHistoryDoesNotExist() {
         val queryData = listOf(
             GetAgentChannelDonationSettlementByCreatorQueryData(
@@ -527,7 +527,7 @@ class AgentCalculateServiceTest {
                 settlementAmount = 3_970,
                 withholdingTax = 131,
                 depositAmount = 3_839,
-                agentSettlementAmount = 397
+                agentSettlementAmount = 278
             )
         )
         Mockito.`when`(
@@ -550,8 +550,8 @@ class AgentCalculateServiceTest {
 
         assertEquals(1, response.totalCount)
         assertEquals(3_970, response.total.settlementAmount)
-        assertEquals(397, response.total.agentSettlementAmount)
-        assertEquals(397, response.items[0].agentSettlementAmount)
+        assertEquals(278, response.total.agentSettlementAmount)
+        assertEquals(278, response.items[0].agentSettlementAmount)
     }
 
     @Test