feat: 提现自动过审开关（申请通过校验后直接待收款）

users/tixian_shenhe_services.py

@@ -1758,12 +1758,16 @@ def create_audit_application(user_main, leixing, jine):
         nicheng = deduct_balance(user_main, leixing, jine) or nicheng
         club_id = club_id_for_tixian_yonghuid(yonghuid)
 
+        # 自动过审：校验已全部通过后，直接落待收款(6)；默认仍为审核中(1)。不改任何校验。
+        from jituan.services.withdraw_config import get_auto_pass_audit
+        init_status = 6 if get_auto_pass_audit(club_id) else 1
+
         audit_kwargs = {
             'shenhe_danhao': shenhe_danhao,
             'club_id': club_id,
             'yonghuid': yonghuid,
             'leixing': leixing,
-            'zhuangtai': 1,
+            'zhuangtai': init_status,
             'shenqing_jine': jine,
             'shouxufei': shouxufei,
             'shijidaozhang': shijidaozhang,
@@ -1783,7 +1787,7 @@ def create_audit_application(user_main, leixing, jine):
             zhifu=user_main.PaymentQRCode or '',
             skzhanghao=user_main.PaymentAccount or '',
             jine=shijidaozhang,
-            zhuangtai=1,
+            zhuangtai=init_status,
             fangshi=1,
             shenheid=None,
             bhliyou='',
@@ -1803,6 +1807,7 @@ def create_audit_application(user_main, leixing, jine):
         'shijidaozhang': str(shijidaozhang),
         'current_rate': str(feilv.quantize(decimal.Decimal('0.0001'))),
         'leixing': leixing,
-        'zhuangtai': 1,
+        'zhuangtai': init_status,
+        'auto_pass_audit': init_status == 6,
     })
     return response_data