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/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',