From 9b3dd2f4b88cbfacbebcb69156c63706b99fc11b Mon Sep 17 00:00:00 2001
From: hskwon <shine1324@gmail.com>
Date: Thu, 18 Dec 2025 14:40:57 +0900
Subject: [PATCH] =?UTF-8?q?docs:=20=EA=B0=80=EC=A7=80=EA=B8=89=EA=B8=88=20?=
 =?UTF-8?q?=EA=B4=80=EB=A6=AC=20Swagger=20=EB=AC=B8=EC=84=9C=20=EC=B6=94?=
 =?UTF-8?q?=EA=B0=80=20(LoanApi.php)?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

- 스키마 7개: Loan, CreateRequest, UpdateRequest, SettleRequest, Summary, InterestCalculation, InterestReport
- 엔드포인트 9개: CRUD, 요약, 정산, 인정이자 계산/리포트
- 인정이자율 4.6%, 법인세/소득세/지방소득세 자동 계산
---
 app/Swagger/v1/LoanApi.php | 504 +++++++++++++++++++++++++++++++++++++
 1 file changed, 504 insertions(+)
 create mode 100644 app/Swagger/v1/LoanApi.php

diff --git a/app/Swagger/v1/LoanApi.php b/app/Swagger/v1/LoanApi.php
new file mode 100644
index 0000000..ac5f33b
--- /dev/null
+++ b/app/Swagger/v1/LoanApi.php
@@ -0,0 +1,504 @@
+<?php
+
+namespace App\Swagger\v1;
+
+/**
+ * @OA\Tag(name="Loans", description="가지급금 관리")
+ *
+ * @OA\Schema(
+ *     schema="Loan",
+ *     type="object",
+ *     description="가지급금 정보",
+ *
+ *     @OA\Property(property="id", type="integer", example=1, description="가지급금 ID"),
+ *     @OA\Property(property="tenant_id", type="integer", example=1, description="테넌트 ID"),
+ *     @OA\Property(property="user_id", type="integer", example=1, description="수령자 ID"),
+ *     @OA\Property(property="loan_date", type="string", format="date", example="2025-01-15", description="지급일"),
+ *     @OA\Property(property="amount", type="number", format="float", example=5000000, description="가지급금액"),
+ *     @OA\Property(property="purpose", type="string", example="출장 경비", nullable=true, description="사용 목적"),
+ *     @OA\Property(property="settlement_date", type="string", format="date", example="2025-02-15", nullable=true, description="정산일"),
+ *     @OA\Property(property="settlement_amount", type="number", format="float", example=5000000, nullable=true, description="정산금액"),
+ *     @OA\Property(property="status", type="string", enum={"outstanding","settled","partial"}, example="outstanding", description="상태 (미정산/정산완료/부분정산)"),
+ *     @OA\Property(property="status_label", type="string", example="미정산", description="상태 레이블"),
+ *     @OA\Property(property="outstanding_amount", type="number", format="float", example=5000000, description="미정산 잔액"),
+ *     @OA\Property(property="elapsed_days", type="integer", example=30, description="경과일수"),
+ *     @OA\Property(property="withdrawal_id", type="integer", example=1, nullable=true, description="연결된 출금 ID"),
+ *     @OA\Property(property="user", type="object", nullable=true,
+ *         @OA\Property(property="id", type="integer", example=1),
+ *         @OA\Property(property="name", type="string", example="홍길동"),
+ *         @OA\Property(property="email", type="string", example="hong@example.com"),
+ *         description="수령자 정보"
+ *     ),
+ *     @OA\Property(property="withdrawal", type="object", nullable=true,
+ *         @OA\Property(property="id", type="integer", example=1),
+ *         @OA\Property(property="withdrawal_date", type="string", format="date"),
+ *         @OA\Property(property="amount", type="number", format="float"),
+ *         description="연결된 출금 정보"
+ *     ),
+ *     @OA\Property(property="creator", type="object", nullable=true,
+ *         @OA\Property(property="id", type="integer", example=1),
+ *         @OA\Property(property="name", type="string", example="관리자"),
+ *         description="생성자 정보"
+ *     ),
+ *     @OA\Property(property="created_by", type="integer", example=1, nullable=true, description="생성자 ID"),
+ *     @OA\Property(property="updated_by", type="integer", example=1, nullable=true, description="수정자 ID"),
+ *     @OA\Property(property="created_at", type="string", format="date-time"),
+ *     @OA\Property(property="updated_at", type="string", format="date-time")
+ * )
+ *
+ * @OA\Schema(
+ *     schema="LoanCreateRequest",
+ *     type="object",
+ *     required={"user_id","loan_date","amount"},
+ *     description="가지급금 등록 요청",
+ *
+ *     @OA\Property(property="user_id", type="integer", example=1, description="수령자 ID"),
+ *     @OA\Property(property="loan_date", type="string", format="date", example="2025-01-15", description="지급일"),
+ *     @OA\Property(property="amount", type="number", format="float", example=5000000, description="가지급금액"),
+ *     @OA\Property(property="purpose", type="string", example="출장 경비", maxLength=1000, nullable=true, description="사용 목적"),
+ *     @OA\Property(property="withdrawal_id", type="integer", example=1, nullable=true, description="연결할 출금 ID")
+ * )
+ *
+ * @OA\Schema(
+ *     schema="LoanUpdateRequest",
+ *     type="object",
+ *     description="가지급금 수정 요청 (미정산 상태만 수정 가능)",
+ *
+ *     @OA\Property(property="user_id", type="integer", example=1, description="수령자 ID"),
+ *     @OA\Property(property="loan_date", type="string", format="date", example="2025-01-15", description="지급일"),
+ *     @OA\Property(property="amount", type="number", format="float", example=5000000, description="가지급금액"),
+ *     @OA\Property(property="purpose", type="string", example="출장 경비", maxLength=1000, nullable=true, description="사용 목적"),
+ *     @OA\Property(property="withdrawal_id", type="integer", example=1, nullable=true, description="연결할 출금 ID")
+ * )
+ *
+ * @OA\Schema(
+ *     schema="LoanSettleRequest",
+ *     type="object",
+ *     required={"settlement_date","settlement_amount"},
+ *     description="가지급금 정산 요청",
+ *
+ *     @OA\Property(property="settlement_date", type="string", format="date", example="2025-02-15", description="정산일"),
+ *     @OA\Property(property="settlement_amount", type="number", format="float", example=5000000, minimum=0.01, description="정산금액")
+ * )
+ *
+ * @OA\Schema(
+ *     schema="LoanSummary",
+ *     type="object",
+ *     description="가지급금 요약",
+ *
+ *     @OA\Property(property="total_count", type="integer", example=10, description="전체 건수"),
+ *     @OA\Property(property="outstanding_count", type="integer", example=5, description="미정산 건수"),
+ *     @OA\Property(property="settled_count", type="integer", example=3, description="정산완료 건수"),
+ *     @OA\Property(property="partial_count", type="integer", example=2, description="부분정산 건수"),
+ *     @OA\Property(property="total_amount", type="number", format="float", example=50000000, description="총 가지급금액"),
+ *     @OA\Property(property="total_settled", type="number", format="float", example=30000000, description="총 정산금액"),
+ *     @OA\Property(property="total_outstanding", type="number", format="float", example=20000000, description="총 미정산액")
+ * )
+ *
+ * @OA\Schema(
+ *     schema="LoanInterestCalculation",
+ *     type="object",
+ *     description="인정이자 계산 결과",
+ *
+ *     @OA\Property(property="year", type="integer", example=2025, description="계산 연도"),
+ *     @OA\Property(property="interest_rate", type="number", format="float", example=4.6, description="인정이자율 (%)"),
+ *     @OA\Property(property="base_date", type="string", format="date", example="2025-12-31", description="기준일"),
+ *     @OA\Property(property="summary", type="object",
+ *         @OA\Property(property="total_balance", type="number", format="float", example=50000000, description="총 미정산 잔액"),
+ *         @OA\Property(property="total_recognized_interest", type="number", format="float", example=2300000, description="총 인정이자"),
+ *         @OA\Property(property="total_corporate_tax", type="number", format="float", example=437000, description="법인세 추가 (19%)"),
+ *         @OA\Property(property="total_income_tax", type="number", format="float", example=805000, description="소득세 추가 (35%)"),
+ *         @OA\Property(property="total_local_tax", type="number", format="float", example=80500, description="지방소득세 (10%)"),
+ *         @OA\Property(property="total_tax", type="number", format="float", example=1322500, description="총 세금"),
+ *         description="요약"
+ *     ),
+ *     @OA\Property(property="details", type="array",
+ *
+ *         @OA\Items(
+ *
+ *             @OA\Property(property="loan_id", type="integer", example=1),
+ *             @OA\Property(property="user", type="object",
+ *                 @OA\Property(property="id", type="integer", example=1),
+ *                 @OA\Property(property="name", type="string", example="홍길동"),
+ *                 @OA\Property(property="email", type="string", example="hong@example.com")
+ *             ),
+ *             @OA\Property(property="loan_date", type="string", format="date", example="2025-01-15"),
+ *             @OA\Property(property="amount", type="number", format="float", example=5000000),
+ *             @OA\Property(property="settlement_amount", type="number", format="float", example=0),
+ *             @OA\Property(property="outstanding_amount", type="number", format="float", example=5000000),
+ *             @OA\Property(property="elapsed_days", type="integer", example=350),
+ *             @OA\Property(property="interest_rate", type="number", format="float", example=4.6),
+ *             @OA\Property(property="recognized_interest", type="number", format="float", example=220548),
+ *             @OA\Property(property="corporate_tax", type="number", format="float", example=41904),
+ *             @OA\Property(property="income_tax", type="number", format="float", example=77192),
+ *             @OA\Property(property="local_tax", type="number", format="float", example=7719),
+ *             @OA\Property(property="total_tax", type="number", format="float", example=126815)
+ *         ),
+ *         description="상세 내역"
+ *     )
+ * )
+ *
+ * @OA\Schema(
+ *     schema="LoanInterestReport",
+ *     type="object",
+ *     description="연간 인정이자 리포트",
+ *
+ *     @OA\Property(property="year", type="integer", example=2025, description="연도"),
+ *     @OA\Property(property="interest_rate", type="number", format="float", example=4.6, description="인정이자율 (%)"),
+ *     @OA\Property(property="users", type="array",
+ *
+ *         @OA\Items(
+ *
+ *             @OA\Property(property="user", type="object",
+ *                 @OA\Property(property="id", type="integer", example=1),
+ *                 @OA\Property(property="name", type="string", example="홍길동"),
+ *                 @OA\Property(property="email", type="string", example="hong@example.com")
+ *             ),
+ *             @OA\Property(property="loan_count", type="integer", example=3, description="가지급금 건수"),
+ *             @OA\Property(property="total_amount", type="number", format="float", example=15000000, description="총 가지급금액"),
+ *             @OA\Property(property="total_settled", type="number", format="float", example=5000000, description="총 정산금액"),
+ *             @OA\Property(property="total_outstanding", type="number", format="float", example=10000000, description="총 미정산액"),
+ *             @OA\Property(property="recognized_interest", type="number", format="float", example=460000, description="인정이자"),
+ *             @OA\Property(property="total_tax", type="number", format="float", example=265000, description="총 세금")
+ *         ),
+ *         description="사용자별 내역"
+ *     ),
+ *     @OA\Property(property="grand_total", type="object",
+ *         @OA\Property(property="total_amount", type="number", format="float", example=50000000),
+ *         @OA\Property(property="total_outstanding", type="number", format="float", example=30000000),
+ *         @OA\Property(property="recognized_interest", type="number", format="float", example=1380000),
+ *         @OA\Property(property="total_tax", type="number", format="float", example=795000),
+ *         description="전체 합계"
+ *     )
+ * )
+ */
+class LoanApi
+{
+    /**
+     * @OA\Get(
+     *     path="/api/v1/loans",
+     *     tags={"Loans"},
+     *     summary="가지급금 목록 조회",
+     *     description="가지급금 목록을 조회합니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\Parameter(name="user_id", in="query", description="수령자 ID", @OA\Schema(type="integer")),
+     *     @OA\Parameter(name="status", in="query", description="상태", @OA\Schema(type="string", enum={"outstanding","settled","partial"})),
+     *     @OA\Parameter(name="start_date", in="query", description="시작일 (지급일 기준)", @OA\Schema(type="string", format="date")),
+     *     @OA\Parameter(name="end_date", in="query", description="종료일 (지급일 기준)", @OA\Schema(type="string", format="date")),
+     *     @OA\Parameter(name="search", in="query", description="검색어 (수령자명, 목적)", @OA\Schema(type="string", maxLength=100)),
+     *     @OA\Parameter(name="sort_by", in="query", description="정렬 기준", @OA\Schema(type="string", enum={"loan_date","amount","status","created_at"}, default="loan_date")),
+     *     @OA\Parameter(name="sort_dir", in="query", description="정렬 방향", @OA\Schema(type="string", enum={"asc","desc"}, default="desc")),
+     *     @OA\Parameter(ref="#/components/parameters/Page"),
+     *     @OA\Parameter(ref="#/components/parameters/Size"),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="조회 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(
+     *                         property="data",
+     *                         type="object",
+     *                         @OA\Property(property="current_page", type="integer", example=1),
+     *                         @OA\Property(property="data", type="array", @OA\Items(ref="#/components/schemas/Loan")),
+     *                         @OA\Property(property="per_page", type="integer", example=20),
+     *                         @OA\Property(property="total", type="integer", example=30)
+     *                     )
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function index() {}
+
+    /**
+     * @OA\Post(
+     *     path="/api/v1/loans",
+     *     tags={"Loans"},
+     *     summary="가지급금 등록",
+     *     description="새로운 가지급금을 등록합니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\RequestBody(
+     *         required=true,
+     *
+     *         @OA\JsonContent(ref="#/components/schemas/LoanCreateRequest")
+     *     ),
+     *
+     *     @OA\Response(
+     *         response=201,
+     *         description="등록 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(property="data", ref="#/components/schemas/Loan")
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=400, description="잘못된 요청", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function store() {}
+
+    /**
+     * @OA\Get(
+     *     path="/api/v1/loans/summary",
+     *     tags={"Loans"},
+     *     summary="가지급금 요약 조회",
+     *     description="가지급금 요약 정보를 조회합니다. 특정 사용자 지정 시 해당 사용자만 집계합니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\Parameter(name="user_id", in="query", description="수령자 ID (미지정 시 전체)", @OA\Schema(type="integer")),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="조회 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(property="data", ref="#/components/schemas/LoanSummary")
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function summary() {}
+
+    /**
+     * @OA\Post(
+     *     path="/api/v1/loans/calculate-interest",
+     *     tags={"Loans"},
+     *     summary="인정이자 계산",
+     *     description="미정산 가지급금에 대한 인정이자를 계산합니다. 법인세/소득세/지방소득세가 자동 계산됩니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\RequestBody(
+     *         required=true,
+     *
+     *         @OA\JsonContent(
+     *             required={"year"},
+     *
+     *             @OA\Property(property="year", type="integer", example=2025, minimum=2000, maximum=2100, description="계산 연도"),
+     *             @OA\Property(property="user_id", type="integer", example=1, nullable=true, description="특정 사용자 ID (미지정 시 전체)")
+     *         )
+     *     ),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="계산 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(property="data", ref="#/components/schemas/LoanInterestCalculation")
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=400, description="잘못된 요청", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function calculateInterest() {}
+
+    /**
+     * @OA\Get(
+     *     path="/api/v1/loans/interest-report/{year}",
+     *     tags={"Loans"},
+     *     summary="인정이자 연간 리포트",
+     *     description="특정 연도의 인정이자 리포트를 사용자별로 조회합니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\Parameter(name="year", in="path", required=true, description="연도", @OA\Schema(type="integer", example=2025)),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="조회 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(property="data", ref="#/components/schemas/LoanInterestReport")
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function interestReport() {}
+
+    /**
+     * @OA\Get(
+     *     path="/api/v1/loans/{id}",
+     *     tags={"Loans"},
+     *     summary="가지급금 상세 조회",
+     *     description="가지급금 상세 정보를 조회합니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\Parameter(name="id", in="path", required=true, description="가지급금 ID", @OA\Schema(type="integer")),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="조회 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(property="data", ref="#/components/schemas/Loan")
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=404, description="가지급금 없음", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function show() {}
+
+    /**
+     * @OA\Put(
+     *     path="/api/v1/loans/{id}",
+     *     tags={"Loans"},
+     *     summary="가지급금 수정",
+     *     description="가지급금 정보를 수정합니다. 미정산(outstanding) 상태에서만 수정 가능합니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\Parameter(name="id", in="path", required=true, description="가지급금 ID", @OA\Schema(type="integer")),
+     *
+     *     @OA\RequestBody(
+     *         required=true,
+     *
+     *         @OA\JsonContent(ref="#/components/schemas/LoanUpdateRequest")
+     *     ),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="수정 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(property="data", ref="#/components/schemas/Loan")
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=400, description="잘못된 요청 (정산됨/부분정산 상태)", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=404, description="가지급금 없음", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function update() {}
+
+    /**
+     * @OA\Delete(
+     *     path="/api/v1/loans/{id}",
+     *     tags={"Loans"},
+     *     summary="가지급금 삭제",
+     *     description="가지급금을 삭제합니다. 미정산(outstanding) 상태에서만 삭제 가능합니다. (Soft Delete)",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\Parameter(name="id", in="path", required=true, description="가지급금 ID", @OA\Schema(type="integer")),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="삭제 성공",
+     *
+     *         @OA\JsonContent(ref="#/components/schemas/ApiResponse")
+     *     ),
+     *
+     *     @OA\Response(response=400, description="잘못된 요청 (정산됨/부분정산 상태)", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=404, description="가지급금 없음", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function destroy() {}
+
+    /**
+     * @OA\Post(
+     *     path="/api/v1/loans/{id}/settle",
+     *     tags={"Loans"},
+     *     summary="가지급금 정산",
+     *     description="가지급금을 정산합니다. 미정산(outstanding) 또는 부분정산(partial) 상태에서만 가능합니다. 부분 정산 시 누적됩니다.",
+     *     security={{"ApiKeyAuth":{}},{"BearerAuth":{}}},
+     *
+     *     @OA\Parameter(name="id", in="path", required=true, description="가지급금 ID", @OA\Schema(type="integer")),
+     *
+     *     @OA\RequestBody(
+     *         required=true,
+     *
+     *         @OA\JsonContent(ref="#/components/schemas/LoanSettleRequest")
+     *     ),
+     *
+     *     @OA\Response(
+     *         response=200,
+     *         description="정산 성공",
+     *
+     *         @OA\JsonContent(
+     *             allOf={
+     *
+     *                 @OA\Schema(ref="#/components/schemas/ApiResponse"),
+     *                 @OA\Schema(
+     *
+     *                     @OA\Property(property="data", ref="#/components/schemas/Loan")
+     *                 )
+     *             }
+     *         )
+     *     ),
+     *
+     *     @OA\Response(response=400, description="잘못된 요청 (이미 정산 완료 또는 정산금액 초과)", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=401, description="인증 실패", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=404, description="가지급금 없음", @OA\JsonContent(ref="#/components/schemas/ErrorResponse")),
+     *     @OA\Response(response=500, description="서버 에러", @OA\JsonContent(ref="#/components/schemas/ErrorResponse"))
+     * )
+     */
+    public function settle() {}
+}