diff --git a/gradlew b/gradlew
old mode 100644
new mode 100755
diff --git a/src/test/java/OneQ/OnSurvey/domain/discount/service/DiscountCodeCommandServiceTest.java b/src/test/java/OneQ/OnSurvey/domain/discount/service/DiscountCodeCommandServiceTest.java
new file mode 100644
index 00000000..a67b2a9e
--- /dev/null
+++ b/src/test/java/OneQ/OnSurvey/domain/discount/service/DiscountCodeCommandServiceTest.java
@@ -0,0 +1,92 @@
+package OneQ.OnSurvey.domain.discount.service;
+
+import OneQ.OnSurvey.domain.discount.entity.DiscountCode;
+import OneQ.OnSurvey.domain.discount.model.request.CreateDiscountCodeRequest;
+import OneQ.OnSurvey.domain.discount.model.response.DiscountCodeResponse;
+import OneQ.OnSurvey.domain.discount.repository.DiscountCodeRepository;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.ArgumentCaptor;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import java.time.LocalDate;
+import java.util.regex.Pattern;
+
+import static org.assertj.core.api.Assertions.assertThat;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.anyString;
+import static org.mockito.BDDMockito.given;
+import static org.mockito.Mockito.times;
+import static org.mockito.Mockito.verify;
+
+@ExtendWith(MockitoExtension.class)
+class DiscountCodeCommandServiceTest {
+
+    private static final Pattern CODE_PATTERN = Pattern.compile("[A-Z0-9]{6}");
+
+    @Mock
+    private DiscountCodeRepository discountCodeRepository;
+
+    @InjectMocks
+    private DiscountCodeCommandService discountCodeCommandService;
+
+    @Test
+    @DisplayName("할인 코드 생성 성공 - 6자리 대문자+숫자 코드 반환")
+    void create_success() {
+        CreateDiscountCodeRequest request = new CreateDiscountCodeRequest(
+                "OnSurvey", LocalDate.of(2026, 12, 31)
+        );
+        given(discountCodeRepository.existsByCode(anyString())).willReturn(false);
+        given(discountCodeRepository.save(any(DiscountCode.class)))
+                .willAnswer(inv -> inv.getArgument(0));
+
+        DiscountCodeResponse response = discountCodeCommandService.create(request);
+
+        assertThat(response.organizationName()).isEqualTo("OnSurvey");
+        assertThat(response.code()).hasSize(6);
+        assertThat(CODE_PATTERN.matcher(response.code()).matches()).isTrue();
+        assertThat(response.expiredAt()).isEqualTo(LocalDate.of(2026, 12, 31));
+    }
+
+    @Test
+    @DisplayName("코드 중복 시 재생성 후 저장")
+    void create_codeConflict_retries() {
+        CreateDiscountCodeRequest request = new CreateDiscountCodeRequest(
+                "TestOrg", LocalDate.of(2027, 1, 1)
+        );
+        // 처음 두 번은 중복, 세 번째에 성공
+        given(discountCodeRepository.existsByCode(anyString()))
+                .willReturn(true, true, false);
+        given(discountCodeRepository.save(any(DiscountCode.class)))
+                .willAnswer(inv -> inv.getArgument(0));
+
+        DiscountCodeResponse response = discountCodeCommandService.create(request);
+
+        assertThat(response.code()).hasSize(6);
+        verify(discountCodeRepository, times(3)).existsByCode(anyString());
+    }
+
+    @Test
+    @DisplayName("저장된 엔티티의 조직명이 요청값과 동일")
+    void create_savedEntity_hasCorrectOrgName() {
+        String orgName = "학회명";
+        LocalDate expiredAt = LocalDate.of(2026, 6, 30);
+        CreateDiscountCodeRequest request = new CreateDiscountCodeRequest(orgName, expiredAt);
+
+        given(discountCodeRepository.existsByCode(anyString())).willReturn(false);
+        ArgumentCaptor<DiscountCode> captor = ArgumentCaptor.forClass(DiscountCode.class);
+        given(discountCodeRepository.save(captor.capture()))
+                .willAnswer(inv -> inv.getArgument(0));
+
+        discountCodeCommandService.create(request);
+
+        DiscountCode saved = captor.getValue();
+        assertThat(saved.getOrganizationName()).isEqualTo(orgName);
+        assertThat(saved.getExpiredAt()).isEqualTo(expiredAt);
+        assertThat(CODE_PATTERN.matcher(saved.getCode()).matches()).isTrue();
+    }
+
+}
diff --git a/src/test/java/OneQ/OnSurvey/domain/question/service/QuestionConverterTest.java b/src/test/java/OneQ/OnSurvey/domain/question/service/QuestionConverterTest.java
new file mode 100644
index 00000000..067a92c0
--- /dev/null
+++ b/src/test/java/OneQ/OnSurvey/domain/question/service/QuestionConverterTest.java
@@ -0,0 +1,253 @@
+package OneQ.OnSurvey.domain.question.service;
+
+import OneQ.OnSurvey.domain.question.entity.question.*;
+import OneQ.OnSurvey.domain.question.model.QuestionType;
+import OneQ.OnSurvey.domain.question.model.dto.GridOptionDto;
+import OneQ.OnSurvey.domain.question.model.dto.OptionDto;
+import OneQ.OnSurvey.domain.question.model.dto.QuestionUpsertDto;
+import OneQ.OnSurvey.domain.question.model.dto.type.*;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Test;
+
+import java.time.LocalDateTime;
+import java.util.List;
+
+import static org.assertj.core.api.Assertions.assertThat;
+
+class QuestionConverterTest {
+
+    @Test
+    @DisplayName("Choice 엔티티 → ChoiceDto 변환")
+    void toQuestionDto_choice() {
+        Choice choice = Choice.of(
+                1L, 1, "Q1", "설명", true, 1,
+                3, false, true, false,
+                QuestionType.CHOICE, null
+        );
+
+        DefaultQuestionDto dto = QuestionConverter.toQuestionDto(choice);
+
+        assertThat(dto).isInstanceOf(ChoiceDto.class);
+        ChoiceDto choiceDto = (ChoiceDto) dto;
+        assertThat(choiceDto.getMaxChoice()).isEqualTo(3);
+        assertThat(choiceDto.getHasCustomInput()).isTrue();
+        assertThat(choiceDto.getHasNoneOption()).isFalse();
+        assertThat(choiceDto.getIsSectionDecidable()).isFalse();
+        assertThat(choiceDto.getQuestionType()).isEqualTo(QuestionType.Values.CHOICE);
+        assertThat(choiceDto.getTitle()).isEqualTo("Q1");
+    }
+
+    @Test
+    @DisplayName("Rating 엔티티 → RatingDto 변환")
+    void toQuestionDto_rating() {
+        Rating rating = Rating.of(
+                1L, 2, "평가", "설명", false, 1,
+                "매우 좋음", "매우 나쁨", 5, QuestionType.RATING, null
+        );
+
+        DefaultQuestionDto dto = QuestionConverter.toQuestionDto(rating);
+
+        assertThat(dto).isInstanceOf(RatingDto.class);
+        RatingDto ratingDto = (RatingDto) dto;
+        assertThat(ratingDto.getRate()).isEqualTo(5);
+        assertThat(ratingDto.getMaxValue()).isEqualTo("매우 좋음");
+        assertThat(ratingDto.getMinValue()).isEqualTo("매우 나쁨");
+        assertThat(ratingDto.getQuestionType()).isEqualTo(QuestionType.Values.RATING);
+    }
+
+    @Test
+    @DisplayName("DateAnswer 엔티티 → DateDto 변환")
+    void toQuestionDto_date() {
+        LocalDateTime now = LocalDateTime.of(2024, 1, 15, 12, 0);
+        DateAnswer dateAnswer = DateAnswer.of(
+                1L, 3, "날짜 질문", null, false, 1,
+                now, QuestionType.DATE, null
+        );
+
+        DefaultQuestionDto dto = QuestionConverter.toQuestionDto(dateAnswer);
+
+        assertThat(dto).isInstanceOf(DateDto.class);
+        DateDto dateDto = (DateDto) dto;
+        assertThat(dateDto.getDate()).isEqualTo(now);
+        assertThat(dateDto.getQuestionType()).isEqualTo(QuestionType.Values.DATE);
+    }
+
+    @Test
+    @DisplayName("Grid 엔티티 → GridDto 변환")
+    void toQuestionDto_grid() {
+        Grid grid = Grid.of(
+                1L, 4, "그리드 질문", null, true, 1,
+                QuestionType.GRID, null, true, false, true
+        );
+
+        DefaultQuestionDto dto = QuestionConverter.toQuestionDto(grid);
+
+        assertThat(dto).isInstanceOf(GridDto.class);
+        GridDto gridDto = (GridDto) dto;
+        assertThat(gridDto.getIsCheckbox()).isTrue();
+        assertThat(gridDto.getIsChoiceMixed()).isFalse();
+        assertThat(gridDto.getIsChoiceDistinct()).isTrue();
+        assertThat(gridDto.getQuestionType()).isEqualTo(QuestionType.Values.GRID);
+    }
+
+    @Test
+    @DisplayName("Time 엔티티 → TimeDto 변환")
+    void toQuestionDto_time() {
+        Time time = Time.of(
+                1L, 5, "시간 질문", null, false, 1,
+                QuestionType.TIME, null, true
+        );
+
+        DefaultQuestionDto dto = QuestionConverter.toQuestionDto(time);
+
+        assertThat(dto).isInstanceOf(TimeDto.class);
+        TimeDto timeDto = (TimeDto) dto;
+        assertThat(timeDto.getIsInterval()).isTrue();
+        assertThat(timeDto.getQuestionType()).isEqualTo(QuestionType.Values.TIME);
+    }
+
+    @Test
+    @DisplayName("기본 질문 엔티티 → DefaultQuestionDto 변환")
+    void toQuestionDto_default() {
+        ShortAnswer shortAnswer = ShortAnswer.of(
+                1L, 6, "단답형", null, false, 1, QuestionType.SHORT, null
+        );
+
+        DefaultQuestionDto dto = QuestionConverter.toQuestionDto(shortAnswer);
+
+        assertThat(dto.getClass()).isEqualTo(DefaultQuestionDto.class);
+        assertThat(dto.getQuestionType()).isEqualTo(QuestionType.Values.SHORT);
+        assertThat(dto.getTitle()).isEqualTo("단답형");
+    }
+
+    @Test
+    @DisplayName("ChoiceDto 리스트 → QuestionUpsertDto 변환 (기본 필드)")
+    void toQuestionUpsertDto_withChoiceDto() {
+        OptionDto option = OptionDto.builder()
+                .optionId(10L).content("선택지1").nextSection(null).imageUrl(null).build();
+
+        ChoiceDto choiceDto = ChoiceDto.builder()
+                .questionId(1L)
+                .questionType(QuestionType.Values.CHOICE)
+                .title("객관식 질문")
+                .description("설명")
+                .isRequired(true)
+                .questionOrder(1)
+                .section(1)
+                .maxChoice(2)
+                .hasNoneOption(false)
+                .hasCustomInput(true)
+                .isSectionDecidable(false)
+                .options(List.of(option))
+                .build();
+
+        QuestionUpsertDto result = QuestionConverter.toQuestionUpsertDto(99L, List.of(choiceDto));
+
+        assertThat(result.getSurveyId()).isEqualTo(99L);
+        assertThat(result.getUpsertInfoList()).hasSize(1);
+
+        QuestionUpsertDto.UpsertInfo info = result.getUpsertInfoList().get(0);
+        assertThat(info.getQuestionId()).isEqualTo(1L);
+        assertThat(info.getQuestionType()).isEqualTo(QuestionType.CHOICE);
+        assertThat(info.getMaxChoice()).isEqualTo(2);
+        assertThat(info.getHasCustomInput()).isTrue();
+        assertThat(info.getOptions()).hasSize(1);
+        assertThat(info.getOptions().get(0).getContent()).isEqualTo("선택지1");
+    }
+
+    @Test
+    @DisplayName("RatingDto → UpsertInfo 변환")
+    void toQuestionUpsertDto_withRatingDto() {
+        RatingDto ratingDto = RatingDto.builder()
+                .questionId(2L)
+                .questionType(QuestionType.Values.RATING)
+                .title("평가 질문")
+                .isRequired(false)
+                .questionOrder(2)
+                .section(1)
+                .minValue("나쁨")
+                .maxValue("좋음")
+                .rate(10)
+                .build();
+
+        QuestionUpsertDto result = QuestionConverter.toQuestionUpsertDto(1L, List.of(ratingDto));
+
+        QuestionUpsertDto.UpsertInfo info = result.getUpsertInfoList().get(0);
+        assertThat(info.getQuestionType()).isEqualTo(QuestionType.RATING);
+        assertThat(info.getRate()).isEqualTo(10);
+        assertThat(info.getMinValue()).isEqualTo("나쁨");
+        assertThat(info.getMaxValue()).isEqualTo("좋음");
+    }
+
+    @Test
+    @DisplayName("GridDto → UpsertInfo 변환")
+    void toQuestionUpsertDto_withGridDto() {
+        GridOptionDto gridOption = GridOptionDto.builder()
+                .gridOptionId(1L).isRow(true).content("행1").order(1).build();
+
+        GridDto gridDto = GridDto.builder()
+                .questionId(3L)
+                .questionType(QuestionType.Values.GRID)
+                .title("그리드 질문")
+                .isRequired(true)
+                .questionOrder(3)
+                .section(2)
+                .isCheckbox(true)
+                .isChoiceMixed(null)
+                .isChoiceDistinct(null)
+                .gridOptions(List.of(gridOption))
+                .build();
+
+        QuestionUpsertDto result = QuestionConverter.toQuestionUpsertDto(1L, List.of(gridDto));
+
+        QuestionUpsertDto.UpsertInfo info = result.getUpsertInfoList().get(0);
+        assertThat(info.getIsCheckbox()).isTrue();
+        assertThat(info.getIsChoiceMixed()).isFalse();
+        assertThat(info.getIsChoiceDistinct()).isFalse();
+        assertThat(info.getGridOptions()).hasSize(1);
+    }
+
+    @Test
+    @DisplayName("TimeDto → UpsertInfo 변환 (isInterval null이면 false)")
+    void toQuestionUpsertDto_withTimeDto_nullIsInterval() {
+        TimeDto timeDto = TimeDto.builder()
+                .questionId(4L)
+                .questionType(QuestionType.Values.TIME)
+                .title("시간 질문")
+                .isRequired(false)
+                .questionOrder(4)
+                .section(1)
+                .isInterval(null)
+                .build();
+
+        QuestionUpsertDto result = QuestionConverter.toQuestionUpsertDto(1L, List.of(timeDto));
+
+        QuestionUpsertDto.UpsertInfo info = result.getUpsertInfoList().get(0);
+        assertThat(info.getIsInterval()).isFalse();
+    }
+
+    @Test
+    @DisplayName("section이 null이면 기본값 1로 설정")
+    void toQuestionUpsertDto_sectionNullDefaultsToOne() {
+        DefaultQuestionDto dto = DefaultQuestionDto.builder()
+                .questionId(5L)
+                .questionType(QuestionType.Values.SHORT)
+                .title("단답형")
+                .isRequired(false)
+                .questionOrder(1)
+                .section(null)
+                .build();
+
+        QuestionUpsertDto result = QuestionConverter.toQuestionUpsertDto(1L, List.of(dto));
+
+        assertThat(result.getUpsertInfoList().get(0).getSection()).isEqualTo(1);
+    }
+
+    @Test
+    @DisplayName("빈 리스트 입력 시 upsertInfoList도 빈 리스트")
+    void toQuestionUpsertDto_emptyList() {
+        QuestionUpsertDto result = QuestionConverter.toQuestionUpsertDto(1L, List.of());
+
+        assertThat(result.getUpsertInfoList()).isEmpty();
+    }
+}
diff --git a/src/test/java/OneQ/OnSurvey/domain/survey/service/export/SurveyExportServiceTest.java b/src/test/java/OneQ/OnSurvey/domain/survey/service/export/SurveyExportServiceTest.java
new file mode 100644
index 00000000..b45129f4
--- /dev/null
+++ b/src/test/java/OneQ/OnSurvey/domain/survey/service/export/SurveyExportServiceTest.java
@@ -0,0 +1,327 @@
+package OneQ.OnSurvey.domain.survey.service.export;
+
+import OneQ.OnSurvey.domain.survey.SurveyErrorCode;
+import OneQ.OnSurvey.domain.survey.entity.SurveyInfo;
+import OneQ.OnSurvey.domain.survey.model.AgeRange;
+import OneQ.OnSurvey.domain.survey.model.Gender;
+import OneQ.OnSurvey.domain.survey.model.Residence;
+import OneQ.OnSurvey.domain.survey.model.export.SurveyAnswerProjection;
+import OneQ.OnSurvey.domain.survey.model.export.SurveyExportFile;
+import OneQ.OnSurvey.domain.survey.model.export.SurveyMemberProjection;
+import OneQ.OnSurvey.domain.survey.model.export.SurveyQuestionHeader;
+import OneQ.OnSurvey.domain.survey.repository.export.SurveyExportRepository;
+import OneQ.OnSurvey.domain.survey.repository.surveyInfo.SurveyInfoRepository;
+import OneQ.OnSurvey.global.common.exception.CustomException;
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import java.nio.charset.StandardCharsets;
+import java.util.List;
+import java.util.Optional;
+import java.util.Set;
+
+import static org.assertj.core.api.Assertions.assertThat;
+import static org.assertj.core.api.Assertions.assertThatThrownBy;
+import static org.mockito.BDDMockito.given;
+
+@ExtendWith(MockitoExtension.class)
+class SurveyExportServiceTest {
+
+    @Mock
+    private SurveyExportRepository surveyExportRepository;
+
+    @Mock
+    private SurveyInfoRepository surveyInfoRepository;
+
+    @InjectMocks
+    private SurveyExportService surveyExportService;
+
+    private static final Long SURVEY_ID = 1L;
+    private static final Long MEMBER_ID = 10L;
+
+    @BeforeEach
+    void setUp() {
+    }
+
+    private SurveyInfo buildSurveyInfo(Gender gender, Set<AgeRange> ages) {
+        return SurveyInfo.builder()
+                .surveyId(SURVEY_ID)
+                .dueCount(100)
+                .completedCount(0)
+                .gender(gender)
+                .ages(ages)
+                .residences(Set.of(Residence.ALL))
+                .genderPrice(0)
+                .agePrice(0)
+                .residencePrice(0)
+                .dueCountPrice(0)
+                .promotionAmount(0)
+                .build();
+    }
+
+    @Test
+    @DisplayName("소유자가 아니면 SURVEY_FORBIDDEN 예외 발생")
+    void exportCsv_notOwner_throwsForbidden() {
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(false);
+
+        assertThatThrownBy(() -> surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID))
+                .isInstanceOf(CustomException.class)
+                .satisfies(ex -> assertThat(((CustomException) ex).getErrorCode())
+                        .isEqualTo(SurveyErrorCode.SURVEY_FORBIDDEN));
+    }
+
+    @Test
+    @DisplayName("SurveyInfo가 없으면 SURVEY_INFO_NOT_FOUND 예외 발생")
+    void exportCsv_surveyInfoNotFound_throwsException() {
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.empty());
+
+        assertThatThrownBy(() -> surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID))
+                .isInstanceOf(CustomException.class)
+                .satisfies(ex -> assertThat(((CustomException) ex).getErrorCode())
+                        .isEqualTo(SurveyErrorCode.SURVEY_INFO_NOT_FOUND));
+    }
+
+    @Test
+    @DisplayName("gender=ALL이면 gender 컬럼 미포함")
+    void exportCsv_genderAll_noGenderColumn() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("테스트설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        String csv = removeBom(file.bytes());
+        assertThat(csv).doesNotContain("gender");
+    }
+
+    @Test
+    @DisplayName("gender=MALE이면 gender 컬럼 포함")
+    void exportCsv_specificGender_hasGenderColumn() {
+        SurveyInfo info = buildSurveyInfo(Gender.MALE, Set.of(AgeRange.ALL));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("테스트설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        String csv = removeBom(file.bytes());
+        assertThat(csv).contains("gender");
+    }
+
+    @Test
+    @DisplayName("ages=ALL이면 age 컬럼 미포함")
+    void exportCsv_ageAll_noAgeColumn() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        String csv = removeBom(file.bytes());
+        assertThat(csv).doesNotContain("age");
+    }
+
+    @Test
+    @DisplayName("특정 연령대 설정 시 age 컬럼 포함")
+    void exportCsv_specificAge_hasAgeColumn() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.TWENTY));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        String csv = removeBom(file.bytes());
+        assertThat(csv).contains("age");
+    }
+
+    @Test
+    @DisplayName("질문 헤더와 응답자 데이터가 올바르게 CSV에 포함됨")
+    void exportCsv_withQuestionsAndMembers_csvContainsData() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        List<SurveyQuestionHeader> headers = List.of(
+                new SurveyQuestionHeader(100L, 0, "좋아하는 음식", 0, null)
+        );
+        List<SurveyMemberProjection> members = List.of(
+                new SurveyMemberProjection(MEMBER_ID, "19900101", "MALE", "서울")
+        );
+        List<SurveyAnswerProjection> answers = List.of(
+                new SurveyAnswerProjection(MEMBER_ID, 100L, "피자", 0)
+        );
+
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(headers);
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(members);
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(answers);
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("음식설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        String csv = removeBom(file.bytes());
+        assertThat(csv).contains("Q1. 좋아하는 음식");
+        assertThat(csv).contains("서울");
+        assertThat(csv).contains("피자");
+    }
+
+    @Test
+    @DisplayName("CSV 파일에 BOM(UTF-8)이 포함됨")
+    void exportCsv_hasBom() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        assertThat(file.bytes()[0]).isEqualTo((byte) 0xEF);
+        assertThat(file.bytes()[1]).isEqualTo((byte) 0xBB);
+        assertThat(file.bytes()[2]).isEqualTo((byte) 0xBF);
+    }
+
+    @Test
+    @DisplayName("파일명에 날짜가 포함되고 확장자가 .csv")
+    void exportCsv_filenameHasDateAndCsvExtension() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("음식 설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        assertThat(file.filename()).endsWith(".csv");
+        assertThat(file.filename()).startsWith("음식 설문_");
+        assertThat(file.contentType()).isEqualTo("text/csv; charset=UTF-8");
+    }
+
+    @Test
+    @DisplayName("파일명에 특수문자가 있으면 공백으로 치환")
+    void exportCsv_titleWithSpecialChars_sanitized() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("설문/테스트:조사*파일");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        assertThat(file.filename()).doesNotContain("/", ":", "*");
+    }
+
+    @Test
+    @DisplayName("surveyTitle이 null이면 파일명 기본값 'survey'")
+    void exportCsv_nullTitle_defaultFilename() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn(null);
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        assertThat(file.filename()).startsWith("survey_");
+    }
+
+    @Test
+    @DisplayName("콤마 포함 응답은 큰따옴표로 감싸서 CSV 이스케이프")
+    void exportCsv_answerWithComma_escapedWithQuotes() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        List<SurveyQuestionHeader> headers = List.of(
+                new SurveyQuestionHeader(100L, 0, "음식", 0, null)
+        );
+        List<SurveyMemberProjection> members = List.of(
+                new SurveyMemberProjection(MEMBER_ID, null, null, "서울")
+        );
+        List<SurveyAnswerProjection> answers = List.of(
+                new SurveyAnswerProjection(MEMBER_ID, 100L, "피자,파스타", 0)
+        );
+
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(headers);
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(members);
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(answers);
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        String csv = removeBom(file.bytes());
+        assertThat(csv).contains("\"피자,파스타\"");
+    }
+
+    @Test
+    @DisplayName("exportCsvForAdmin은 소유자 체크 없이 CSV 생성")
+    void exportCsvForAdmin_noOwnerCheck() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.ALL));
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("관리자용설문");
+
+        SurveyExportFile file = surveyExportService.exportCsvForAdmin(SURVEY_ID);
+
+        assertThat(file).isNotNull();
+        assertThat(file.filename()).contains("관리자용설문");
+    }
+
+    @Test
+    @DisplayName("응답자의 생년월일로 나이 계산")
+    void exportCsv_withBirthday_ageCalculated() {
+        SurveyInfo info = buildSurveyInfo(Gender.ALL, Set.of(AgeRange.TWENTY));
+        given(surveyExportRepository.existsOwnedSurvey(SURVEY_ID, MEMBER_ID)).willReturn(true);
+        given(surveyInfoRepository.findBySurveyId(SURVEY_ID)).willReturn(Optional.of(info));
+        given(surveyExportRepository.findQuestionHeaders(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findMembersWhoAnswered(SURVEY_ID)).willReturn(
+                List.of(new SurveyMemberProjection(MEMBER_ID, "2000-01-01", null, "서울"))
+        );
+        given(surveyExportRepository.findAnswers(SURVEY_ID)).willReturn(List.of());
+        given(surveyExportRepository.findSurveyTitle(SURVEY_ID)).willReturn("설문");
+
+        SurveyExportFile file = surveyExportService.exportCsv(SURVEY_ID, MEMBER_ID);
+
+        String csv = removeBom(file.bytes());
+        // 2000년생이면 2026 - 2000 + 1 = 27
+        assertThat(csv).contains("27");
+    }
+
+    private String removeBom(byte[] bytes) {
+        if (bytes.length >= 3
+                && bytes[0] == (byte) 0xEF
+                && bytes[1] == (byte) 0xBB
+                && bytes[2] == (byte) 0xBF) {
+            return new String(bytes, 3, bytes.length - 3, StandardCharsets.UTF_8);
+        }
+        return new String(bytes, StandardCharsets.UTF_8);
+    }
+}
diff --git a/src/test/java/OneQ/OnSurvey/domain/survey/service/refund/DefaultSurveyRefundPolicyTest.java b/src/test/java/OneQ/OnSurvey/domain/survey/service/refund/DefaultSurveyRefundPolicyTest.java
new file mode 100644
index 00000000..115c72f5
--- /dev/null
+++ b/src/test/java/OneQ/OnSurvey/domain/survey/service/refund/DefaultSurveyRefundPolicyTest.java
@@ -0,0 +1,156 @@
+package OneQ.OnSurvey.domain.survey.service.refund;
+
+import OneQ.OnSurvey.domain.survey.entity.Survey;
+import OneQ.OnSurvey.domain.survey.entity.SurveyInfo;
+import OneQ.OnSurvey.domain.survey.model.Gender;
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.DisplayName;
+import org.junit.jupiter.api.Test;
+import org.springframework.test.util.ReflectionTestUtils;
+
+import java.util.Set;
+
+import static org.assertj.core.api.Assertions.assertThat;
+
+class DefaultSurveyRefundPolicyTest {
+
+    private DefaultSurveyRefundPolicy policy;
+
+    @BeforeEach
+    void setUp() {
+        policy = new DefaultSurveyRefundPolicy();
+        ReflectionTestUtils.setField(policy, "rewardPerResponse", 100);
+    }
+
+    private Survey surveyWithCoin(int totalCoin) {
+        return Survey.builder()
+                .memberId(1L)
+                .title("테스트 설문")
+                .description("설명")
+                .totalCoin(totalCoin)
+                .build();
+    }
+
+    private SurveyInfo surveyInfo(int dueCount, int completedCount) {
+        return SurveyInfo.builder()
+                .surveyId(1L)
+                .dueCount(dueCount)
+                .completedCount(completedCount)
+                .gender(Gender.ALL)
+                .ages(Set.of())
+                .residences(Set.of())
+                .genderPrice(0)
+                .agePrice(0)
+                .residencePrice(0)
+                .dueCountPrice(0)
+                .promotionAmount(0)
+                .build();
+    }
+
+    @Test
+    @DisplayName("목표 응답 수가 0 이하이면 환불 금액은 0")
+    void calculateRefundAmount_whenTargetCountZero_returnsZero() {
+        Survey survey = surveyWithCoin(1000);
+        SurveyInfo info = surveyInfo(0, 0);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isZero();
+    }
+
+    @Test
+    @DisplayName("목표 응답 수가 음수이면 환불 금액은 0")
+    void calculateRefundAmount_whenTargetCountNegative_returnsZero() {
+        Survey survey = surveyWithCoin(1000);
+        SurveyInfo info = surveyInfo(-1, 0);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isZero();
+    }
+
+    @Test
+    @DisplayName("완료 수가 목표 수 이상이면 환불 금액은 0")
+    void calculateRefundAmount_whenCompletedReachedTarget_returnsZero() {
+        Survey survey = surveyWithCoin(1000);
+        SurveyInfo info = surveyInfo(10, 10);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isZero();
+    }
+
+    @Test
+    @DisplayName("완료 수가 목표 수를 초과해도 환불 금액은 0")
+    void calculateRefundAmount_whenCompletedExceedsTarget_returnsZero() {
+        Survey survey = surveyWithCoin(1000);
+        SurveyInfo info = surveyInfo(10, 15);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isZero();
+    }
+
+    @Test
+    @DisplayName("응답이 0건일 때 전액 환불")
+    void calculateRefundAmount_whenNoCompletions_returnsFullRefund() {
+        // totalCoin=1000, rewardPerResponse=100, dueCount=10, completedCount=0
+        // paidReward=0, refundBase=1000, lackRatio=1.0 → refund=1000
+        Survey survey = surveyWithCoin(1000);
+        SurveyInfo info = surveyInfo(10, 0);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isEqualTo(1000);
+    }
+
+    @Test
+    @DisplayName("절반 응답 완료 시 남은 비율만큼 환불")
+    void calculateRefundAmount_whenHalfCompleted_returnsHalfRefund() {
+        // totalCoin=1000, rewardPerResponse=100, dueCount=10, completedCount=5
+        // paidReward=500, refundBase=500, lackRatio=5/10=0.5 → refund=250
+        Survey survey = surveyWithCoin(1000);
+        SurveyInfo info = surveyInfo(10, 5);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isEqualTo(250);
+    }
+
+    @Test
+    @DisplayName("totalCoin이 paidReward 이하이면 refundBase=0 → 환불 금액 0")
+    void calculateRefundAmount_whenTotalCoinBelowPaidReward_returnsZero() {
+        // totalCoin=300, rewardPerResponse=100, completedCount=5 → paidReward=500 > totalCoin
+        // refundBase=0 → refund=0
+        Survey survey = surveyWithCoin(300);
+        SurveyInfo info = surveyInfo(10, 5);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isZero();
+    }
+
+    @Test
+    @DisplayName("소수점 이하는 내림 처리")
+    void calculateRefundAmount_floorsFractionalAmount() {
+        // totalCoin=1000, rewardPerResponse=100, dueCount=3, completedCount=1
+        // paidReward=100, refundBase=900, lackRatio=2/3≈0.6667 → floor(600)=600
+        Survey survey = surveyWithCoin(1000);
+        SurveyInfo info = surveyInfo(3, 1);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isEqualTo(600);
+    }
+
+    @Test
+    @DisplayName("목표 1건 중 0건 완료 → 전액 환불")
+    void calculateRefundAmount_singleTargetNoCompletion_fullRefund() {
+        Survey survey = surveyWithCoin(500);
+        SurveyInfo info = surveyInfo(1, 0);
+
+        int result = policy.calculateRefundAmount(survey, info);
+
+        assertThat(result).isEqualTo(500);
+    }
+}