fix: 冻结条件可评估+分期规范化，定时扫描更及时

后台条件真正按罚款率/单量等评估；选项式配置所需字段规范化；Celery 改为每5分钟；小程序说明文案接口补齐。

Co-authored-by: Cursor <cursoragent@cursor.com>

users/views/fund_freeze_mp.py

@@ -13,7 +13,7 @@ from rest_framework.permissions import IsAuthenticated
 from rest_framework.response import Response
 from rest_framework.views import APIView
 
-from jituan.models import FundFreezeLedger, FundUnfreezeEvent
+from jituan.models import ClubFundFreezeConfig, FundFreezeLedger, FundUnfreezeEvent
 from jituan.services.club_user import get_user_club_id
 from jituan.services.fund_freeze import (
     ROLE_DASHOU,
@@ -109,6 +109,19 @@ class FundFreezeMineView(APIView):
         ]
         total_dongjie = sum((Decimal(r['dongjie_yue']) for r in roles), Decimal('0.00'))
         total_withdrawable = sum((Decimal(r['withdrawable']) for r in roles), Decimal('0.00'))
+
+        # 用户可见说明：优先打手规则，否则取任意已配置角色
+        display_reason = ''
+        if club_id:
+            cfgs = list(ClubFundFreezeConfig.query.filter(club_id=club_id, enabled=True))
+            prefer = next((c for c in cfgs if c.role == ROLE_DASHOU), None) or (cfgs[0] if cfgs else None)
+            if prefer and prefer.remark:
+                display_reason = prefer.remark
+            if not display_reason:
+                any_cfg = ClubFundFreezeConfig.query.filter(club_id=club_id).exclude(remark='').first()
+                if any_cfg:
+                    display_reason = any_cfg.remark or ''
+
         return Response({
             'code': 200,
             'msg': '获取成功',
@@ -119,6 +132,10 @@ class FundFreezeMineView(APIView):
                 'total_dongjie': _money(total_dongjie),
                 'total_withdrawable': _money(total_withdrawable),
                 'has_freeze': total_dongjie > 0,
+                'display_reason': display_reason or (
+                    '部分佣金暂存为冻结保障金，用于订单售后与纠纷保障；'
+                    '按俱乐部规则到期或达标后自动转入可提现余额，冻结中金额不可提现。'
+                ),
             },
         })
 
@@ -173,7 +190,11 @@ class FundFreezeMyLedgerView(APIView):
                 'source_type': r.source_type,
                 'source_label': SOURCE_LABEL.get(r.source_type, r.source_type or '入账'),
                 'order_id': r.order_id or '',
-                'freeze_reason': r.freeze_reason or '',
+                'freeze_reason': r.freeze_reason or (
+                    (r.config_snapshot or {}).get('display_reason')
+                    or (r.config_snapshot or {}).get('remark')
+                    or ''
+                ),
                 'current_step': r.current_step,
             })
 
@@ -246,7 +267,11 @@ class FundFreezeMyLedgerDetailView(APIView):
                 'source_type': ledger.source_type,
                 'source_label': SOURCE_LABEL.get(ledger.source_type, ledger.source_type or '入账'),
                 'order_id': ledger.order_id or '',
-                'freeze_reason': ledger.freeze_reason or '',
+                'freeze_reason': ledger.freeze_reason or (
+                    (ledger.config_snapshot or {}).get('display_reason')
+                    or (ledger.config_snapshot or {}).get('remark')
+                    or ''
+                ),
                 'current_step': ledger.current_step,
                 'events': event_list,
             },

users/views/tixian.py

@@ -1112,10 +1112,30 @@ class TixianAssetView(APIView):
 
         from jituan.services.club_user import get_user_club_id
         from jituan.services.withdraw_config import build_tixian_asset_rates
+        from jituan.models import ClubFundFreezeConfig
 
         club_id = get_user_club_id(user)
         data.update(build_tixian_asset_rates(club_id))
 
+        display_reason = ''
+        try:
+            if club_id:
+                prefer = ClubFundFreezeConfig.query.filter(
+                    club_id=club_id, role='dashou', enabled=True,
+                ).first()
+                if not prefer:
+                    prefer = ClubFundFreezeConfig.query.filter(
+                        club_id=club_id, enabled=True,
+                    ).exclude(remark='').first()
+                if prefer:
+                    display_reason = prefer.remark or ''
+        except Exception:
+            pass
+        data['freeze_display_reason'] = display_reason or (
+            '部分佣金暂存为冻结保障金，用于订单售后与纠纷保障；'
+            '按规则解冻后自动转入可提现，冻结中不可提现。'
+        )
+
         return Response({
             'code': 200,
             'msg': '获取成功',