feat: 提现自动过审开关（申请通过校验后直接待收款）

jituan/services/withdraw_config.py

@@ -129,6 +129,15 @@ def get_withdraw_mode(club_id):
         return 2
 
 
+def get_auto_pass_audit(club_id):
+    """自动过审：True 时 zddksh 申请通过校验后直接落待收款(6)。默认 False。"""
+    club_id = _normalize_club_id(club_id)
+    try:
+        return bool(ClubWithdrawConfig.query.get(club_id=club_id).auto_pass_audit)
+    except ClubWithdrawConfig.DoesNotExist:
+        return False
+
+
 def get_personal_daily_quota(club_id, leixing, profile):
     """打手/管事/组长个人每日限额：用户额外限额优先，否则读俱乐部配置。"""
     if leixing == 1:
@@ -217,6 +226,7 @@ def build_withdraw_settings_payload(request):
         'club_id': club_id,
         'scope': resolve_club_scope(request),
         'withdraw_mode': get_withdraw_mode(club_id),
+        'auto_pass_audit': get_auto_pass_audit(club_id),
         'rates': rate_map,
         'order_rates': order_rate_map,
         'penalty_bonus_rates': get_penalty_bonus_rates_map(club_id),
@@ -318,15 +328,31 @@ def apply_withdraw_settings_update(request, permissions):
                 _set_quota(club_id, total_code_map[role], Decimal(str(val)))
 
         withdraw_mode = request.data.get('withdraw_mode')
-        if withdraw_mode is not None:
+        auto_pass_audit = request.data.get('auto_pass_audit')
+        if withdraw_mode is not None or auto_pass_audit is not None:
             if not any(p in permissions for p in ('5500a', '5500b', '5500c')):
                 return Response({'code': 403, 'msg': '无权限修改提现模式'})
+            defaults = {}
+            if withdraw_mode is not None:
+                defaults['mode'] = int(withdraw_mode)
+            if auto_pass_audit is not None:
+                defaults['auto_pass_audit'] = bool(
+                    auto_pass_audit in (True, 1, '1', 'true', 'True')
+                )
             row, created = ClubWithdrawConfig.query.get_or_create(
                 club_id=club_id,
-                defaults={'mode': int(withdraw_mode)},
+                defaults=defaults or {'mode': 2, 'auto_pass_audit': False},
             )
             if not created:
-                row.mode = int(withdraw_mode)
-                row.save(update_fields=['mode', 'UpdateTime'])
+                update_fields = ['UpdateTime']
+                if withdraw_mode is not None:
+                    row.mode = int(withdraw_mode)
+                    update_fields.append('mode')
+                if auto_pass_audit is not None:
+                    row.auto_pass_audit = bool(
+                        auto_pass_audit in (True, 1, '1', 'true', 'True')
+                    )
+                    update_fields.append('auto_pass_audit')
+                row.save(update_fields=update_fields)
 
     return Response({'code': 0, 'msg': '设置修改成功'})