feat: 工资查询助手首版 v1.0.105

基于 skill-template 脚手架开发，包含：
- payroll_config（费率配置，可编辑）+ payslip_snapshots（解析历史，只读）2 张业务表
- 全国默认 + 北上广 4 套费率（社保/公积金/个税起征点/7 级税率表）
- 5 个业务 Action：calculate-payslip-simple / calculate-payslip-full / explain-term / view-config / edit-config
- 个税累计预扣法计算，支持多月历史累加
- 20 个薪资名词库（社保/公积金/个税/全勤/加班费等）
- 完整市场文档（README/TUTORIAL/DEMO/CHANGELOG）
- 296 测试全部通过

scripts/service/config_service.py

@@ -0,0 +1,147 @@
+"""费率配置读取服务。
+
+从 payroll_config 表读取指定地区的费率；地区未单独插入时回退到全国默认。
+"""
+
+from __future__ import annotations
+
+import json
+from typing import Any
+
+from db.connection import get_conn
+from util.logging_config import get_skill_logger
+
+log = get_skill_logger()
+
+
+def get_config_value(config_key: str, region: str = "default") -> float | str | None:
+    """读取单个配置项的值。
+
+    优先取 (config_key, region)；若该地区无记录，回退到 (config_key, 'default')。
+    """
+    conn = get_conn()
+    try:
+        cur = conn.cursor()
+        cur.execute(
+            "SELECT config_value FROM payroll_config WHERE config_key=? AND region=?",
+            (config_key, region),
+        )
+        row = cur.fetchone()
+        if row is None and region != "default":
+            cur.execute(
+                "SELECT config_value FROM payroll_config WHERE config_key=? AND region='default'",
+                (config_key,),
+            )
+            row = cur.fetchone()
+        if row is None:
+            return None
+        return row[0]
+    finally:
+        conn.close()
+
+
+def get_tax_brackets(region: str = "default") -> list[dict[str, Any]]:
+    """读取 7 级累计预扣税率表。"""
+    raw = get_config_value("tax_brackets_json", region)
+    if raw is None or not isinstance(raw, str):
+        return []
+    try:
+        brackets = json.loads(raw)
+        return brackets if isinstance(brackets, list) else []
+    except (json.JSONDecodeError, TypeError):
+        return []
+
+
+def get_region_config(region: str = "default") -> dict[str, Any]:
+    """读取一个地区的全部费率配置，返回 dict。"""
+    keys = [
+        "social_pension_rate",
+        "social_medical_rate",
+        "social_unemployment_rate",
+        "social_base_min",
+        "social_base_max",
+        "housing_fund_rate",
+        "housing_fund_base_min",
+        "housing_fund_base_max",
+        "tax_threshold",
+    ]
+    result: dict[str, Any] = {"region": region}
+    for key in keys:
+        result[key] = get_config_value(key, region)
+    result["tax_brackets"] = get_tax_brackets(region)
+    return result
+
+
+def list_all_config(region: str | None = None) -> list[dict[str, Any]]:
+    """列出费率配置（供 view-config Action）。
+
+    region 为 None 时列出全部地区；否则只列该地区（含回退默认值）。
+    """
+    conn = get_conn()
+    try:
+        cur = conn.cursor()
+        if region is None:
+            cur.execute(
+                "SELECT config_key, region, config_value, display_name, description FROM payroll_config ORDER BY region, config_key"
+            )
+        else:
+            cur.execute(
+                "SELECT config_key, region, config_value, display_name, description FROM payroll_config WHERE region=? ORDER BY config_key",
+                (region,),
+            )
+        rows = cur.fetchall()
+        return [
+            {
+                "config_key": r[0],
+                "region": r[1],
+                "config_value": r[2],
+                "display_name": r[3],
+                "description": r[4],
+            }
+            for r in rows
+        ]
+    finally:
+        conn.close()
+
+
+def update_config_value(config_key: str, region: str, config_value: float) -> dict[str, Any]:
+    """更新单个费率配置（供 edit-config Action）。
+
+    返回 {ok, skill, config_key, region, old_value, new_value}。
+    """
+    log.info("config_update key=%s region=%s value=%s", config_key, region, config_value)
+    conn = get_conn()
+    try:
+        cur = conn.cursor()
+        cur.execute(
+            "SELECT config_value FROM payroll_config WHERE config_key=? AND region=?",
+            (config_key, region),
+        )
+        row = cur.fetchone()
+        if row is None:
+            return {
+                "ok": False,
+                "skill": "query-payslip-default",
+                "error_code": "CONFIG_NOT_FOUND",
+                "error": f"配置项 {config_key}（地区 {region}）不存在",
+            }
+        old_value = row[0]
+        cur.execute(
+            """
+            UPDATE payroll_config
+            SET config_value=?, updated_at=strftime('%s','now')
+            WHERE config_key=? AND region=?
+            """,
+            (config_value, config_key, region),
+        )
+        conn.commit()
+        return {
+            "ok": True,
+            "skill": "query-payslip-default",
+            "config_key": config_key,
+            "region": region,
+            "old_value": old_value,
+            "new_value": config_value,
+        }
+    finally:
+        conn.close()