增加逻辑：

紫金保险公司核保失败，直接返回核保失败的信息，不生成支付链接

tenant/insurance/quotation-zijin/src/main/java/com/jzg/quotation/zijin/api/service/Impl/ZiJinApiRequestImpl.java

@@ -125,6 +125,12 @@ public class ZiJinApiRequestImpl implements ZiJinApiRequest {
         try {
             SubmitVerifyResponse submitVerifyResponse = ziJinApiRequestComponent.submitVerify(submitVerifyRequest, httpHeaders);
             logger.info("紫金/submitVerify提交核保接口，结果为：{}", JSON.toJSONString(submitVerifyResponse));
+            if (!"0000".equals(submitVerifyResponse.getRtnCode())){
+                underwritingResultsVo.setUnderwritingStatus(InsOrderStatusEnum.AUDIT_FAIL);
+                underwritingResultsVo.setUnderwritingResult(submitVerifyResponse.getRtnMsg());
+                return underwritingResultsVo;
+            }
+
             SubmitVerifyResponse.SubmitVerifyInfoDTO submitVerifyInfo = submitVerifyResponse.getSubmitVerifyInfo();
             underwritingResultsVo.setJqPolicyno(submitVerifyInfo.getPolicyNoCI());
             underwritingResultsVo.setJqApplyNo(submitVerifyInfo.getProposalNoCI());