优化一下自动提现接口就是user/tixian_shenhe_servers.py,tixian_shenhe_views.py,让文件以及对应的申请，回调，确认接口，让它更好用一点，允许用户多次提现审核，强化收款接口，及时更新数据库中的收款状态，其次，更新了客服提现审核接口，关于大于200元的提现，同意之后直接按驳回处理，微信官方不支持大于200元的提现申请去掉了订单24小时或48小时自动结算的定时任务，将订单广播通知的任务，名称改成和新代码一样

users/tixian_shenhe_services.py

@@ -3,11 +3,11 @@
 自动提现审核流程业务服务层（仅服务于 zddksh 申请接口 与 tixiansq 收款接口）
 
 流程：
-  ① zddksh 提交审核：资格校验 → 扣款(shenqing_jine) → 写审核表+提现记录表(状态=1)
-     （不在申请阶段校验/占用每日限额）
-  ② 后台审核通过：状态变为 6（待收款）—— 由原有后台接口处理，此处不改动
-  ③ tixiansq 收款：资格校验 → 只读预估 → 事务内原子预占限额 → 新建打款记录 → 调微信
-     微信明确失败/取消则回滚预占；待查单期间保留预占防并发超额
+  ① zddksh 提交审核：完整资格校验 → 扣款 → 写审核表+提现记录表(状态=1)
+     允许多笔并行申请；单笔实际到账(shijidaozhang)不得超过200元
+  ② 后台审核通过：校验到账≤200 → 状态 6（待收款）
+  ③ tixiansq 收款：严格资格+限额 → 到账>200则关单退款(不退手续费)，不调微信
+     微信官方 FAIL 关单不退款；SUCCESS 落库；进行中禁止新建打款单
   ④ 打款成功（tixianqr/回调/查单）：若收款前已预占则不再累加；未预占的旧单/查单直成则补记
 
 状态码（与前端 TX_STATUS 一致）：
@@ -65,9 +65,6 @@ LEIXING_RATE_KEY = {
     6: '10',
 }
 
-# 进行中的审核状态（不允许重复提交申请）
-PENDING_AUDIT_STATUSES = [1, 4, 6]
-
 DAKUAN_MODE_MANUAL = 1
 DAKUAN_MODE_AUTO = 2
 
@@ -81,6 +78,10 @@ RECONCILE_COMPLETED = 'completed'
 RECONCILE_WAIT_CONFIRM = 'wait_confirm'
 RECONCILE_ALLOW_NEW = 'allow_new'
 RECONCILE_PENDING = 'pending_query'
+RECONCILE_AUDIT_CLOSED = 'audit_closed'
+
+# 单笔实际到账上限（仅收款时校验）
+MAX_SINGLE_COLLECT_AMOUNT = decimal.Decimal('200')
 
 # 查单失败且本地 zhuangtai=0 超过该分钟数，才允许新建打款记录
 PENDING_QUERY_GRACE_MINUTES = 10
@@ -182,7 +183,8 @@ def check_dashou_has_valid_huiyuan(yonghuid):
 
 def validate_withdraw_eligibility(user_main, leixing, jine):
     """
-    提现资格校验（对齐手动提现 TixianShenqingView）
+    提现申请资格校验（完整基本条件；仅放宽「不限制并行申请笔数」）。
+    与手动提现 TixianShenqingView 对齐。
     """
     yonghuid = user_main.yonghuid
 
@@ -199,7 +201,6 @@ def validate_withdraw_eligibility(user_main, leixing, jine):
             return False, '打手账号已被封禁，无法提现', {}
         if dashou.zhuangtai != 1:
             return False, '有订单进行中，请完成后提现', {}
-        # 与手动提现一致：积分必须正好 10 分
         if dashou.jifen != 10:
             return False, '积分不足10分，请补充积分后提现', {}
         huiyuan_ok, huiyuan_msg = check_dashou_has_valid_huiyuan(yonghuid)
@@ -293,11 +294,23 @@ def validate_withdraw_eligibility(user_main, leixing, jine):
     return False, '无效的提现类型', {}
 
 
+def check_shijidaozhang_within_limit(shijidaozhang):
+    """校验单笔实际到账不超过上限（申请/审核/收款共用）"""
+    if shijidaozhang > MAX_SINGLE_COLLECT_AMOUNT:
+        return False, f'单笔实际到账不能超过{MAX_SINGLE_COLLECT_AMOUNT}元，请调整提现金额后重新申请'
+    return True, ''
+
+
+def validate_collect_amount(audit):
+    """收款时校验单笔实际到账上限（超限将关单退款）"""
+    return check_shijidaozhang_within_limit(audit.shijidaozhang)
+
+
 def validate_collect_eligibility(user_main, leixing):
     """
-    收款前二次校验（申请时已扣款，不再校余额/金额）。
-    打手佣金/押金：罚单、封禁、接单中、积分、会员等；
-    其他身份：账号状态、罚单/订单等（不含金额）。
+    收款前严格校验（申请时已扣款，不再校余额）。
+    打手佣金/押金：罚单、封禁、接单中、积分、会员、订单等；
+    其他身份：账号状态、罚单/订单等。
     """
     yonghuid = user_main.yonghuid
 
@@ -354,24 +367,6 @@ def validate_collect_eligibility(user_main, leixing):
             return False, '管事账号已被封禁，无法收款'
         return True, ''
 
-    if leixing == 3:
-        try:
-            zuzhang = UserZuzhang.objects.get(user=user_main)
-        except UserZuzhang.DoesNotExist:
-            return False, '您不是组长身份，无法收款'
-        if zuzhang.zhuangtai != 1:
-            return False, '组长账号已被封禁，无法收款'
-        return True, ''
-
-    if leixing == 4:
-        try:
-            kaoheguan = UserShenheguan.objects.get(user=user_main)
-        except UserShenheguan.DoesNotExist:
-            return False, '您不是考核官身份，无法收款'
-        if kaoheguan.zhuangtai != 1:
-            return False, '考核官账号已被封禁，无法收款'
-        return True, ''
-
     if leixing == 6:
         try:
             shangjia = UserShangjia.objects.get(user=user_main)
@@ -392,6 +387,24 @@ def validate_collect_eligibility(user_main, leixing):
             return False, '您发起的处罚尚未处理完毕，无法收款'
         return True, ''
 
+    if leixing == 3:
+        try:
+            zuzhang = UserZuzhang.objects.get(user=user_main)
+        except UserZuzhang.DoesNotExist:
+            return False, '您不是组长身份，无法收款'
+        if zuzhang.zhuangtai != 1:
+            return False, '组长账号已被封禁，无法收款'
+        return True, ''
+
+    if leixing == 4:
+        try:
+            kaoheguan = UserShenheguan.objects.get(user=user_main)
+        except UserShenheguan.DoesNotExist:
+            return False, '您不是考核官身份，无法收款'
+        if kaoheguan.zhuangtai != 1:
+            return False, '考核官账号已被封禁，无法收款'
+        return True, ''
+
     return False, '无效的提现类型'
 
 
@@ -891,13 +904,6 @@ def get_balance_response_data(user_main, leixing):
     return data
 
 
-def has_pending_audit(yonghuid):
-    return TixianShenheJilu.objects.filter(
-        yonghuid=yonghuid,
-        zhuangtai__in=PENDING_AUDIT_STATUSES,
-    ).exists()
-
-
 def sync_audit_and_jilu_status(audit, new_status, **extra_fields):
     audit.zhuangtai = new_status
     for k, v in extra_fields.items():
@@ -910,6 +916,69 @@ def sync_audit_and_jilu_status(audit, new_status, **extra_fields):
         Tixianjilu.objects.filter(id=audit.tixianjilu_id).update(**update_fields)
 
 
+def _close_auto_record_failed(auto_record, fail_reason):
+    """标记打款记录失败并释放收款预占限额"""
+    if auto_record is None or auto_record.zhuangtai == 1:
+        return
+    reason = (fail_reason or '打款失败')[:500]
+    auto_record.zhuangtai = 2
+    auto_record.fail_reason = reason
+    auto_record.save(update_fields=['zhuangtai', 'fail_reason', 'update_time'])
+    release_collect_quota_for_record(auto_record)
+
+
+def close_audit_wechat_failed(audit, auto_record=None, fail_reason='微信转账失败'):
+    """
+    微信官方终态 FAIL/CANCELLED：审核单关闭(3)，不退款（申请时已扣款，手续费不退）。
+    须在 transaction.atomic 内调用。
+    """
+    _close_auto_record_failed(auto_record, fail_reason)
+
+    audit = TixianShenheJilu.objects.select_for_update().get(pk=audit.pk)
+    if audit.zhuangtai in (2, 3, 5):
+        return False
+
+    reason = (fail_reason or '微信转账失败')[:500]
+    sync_audit_and_jilu_status(
+        audit, 3,
+        bhliyou=reason,
+        fail_reason=reason,
+        tixian_auto_id=None,
+    )
+    logger.warning(
+        '微信失败关单(不退款) yonghuid=%s shenhe_danhao=%s reason=%s',
+        audit.yonghuid, audit.shenhe_danhao, reason,
+    )
+    return True
+
+
+def close_audit_over_limit_refund(audit, auto_record=None, fail_reason='单笔实际到账超过限额'):
+    """
+    到账超过200元等：审核单关闭(3) + 退还可到账金额 shijidaozhang（手续费不退）。
+    须在 transaction.atomic 内调用。
+    """
+    reason = (fail_reason or '单笔实际到账超过限额')[:500]
+    _close_auto_record_failed(auto_record, reason)
+
+    audit = TixianShenheJilu.objects.select_for_update().get(pk=audit.pk)
+    if audit.zhuangtai in (2, 3, 5):
+        return False
+
+    user_main = UserMain.objects.select_for_update().get(yonghuid=audit.yonghuid)
+    refund_balance(user_main, audit.leixing, audit.shijidaozhang)
+    sync_audit_and_jilu_status(
+        audit, 3,
+        bhliyou=reason,
+        fail_reason=reason,
+        tixian_auto_id=None,
+    )
+    logger.warning(
+        '超限关单并退款 yonghuid=%s shenhe_danhao=%s reason=%s',
+        audit.yonghuid, audit.shenhe_danhao, reason,
+    )
+    return True
+
+
 def query_wechat_transfer_bill(out_bill_no):
     """
     向微信查转账单状态
@@ -1066,14 +1135,24 @@ def _sync_record_from_wx_query(auto_record, wx_data):
         }
 
     if state in WX_STATE_FAIL:
+        fail_reason = (
+            wx_data.get('fail_reason') or wx_data.get('close_reason') or state
+        )[:500]
         if auto_record.zhuangtai != 1:
             auto_record.zhuangtai = 2
-            auto_record.fail_reason = (
-                wx_data.get('fail_reason') or wx_data.get('close_reason') or state
-            )[:500]
+            auto_record.fail_reason = fail_reason
             auto_record.save(update_fields=['zhuangtai', 'fail_reason', 'update_time'])
             release_collect_quota_for_record(auto_record)
-        return RECONCILE_ALLOW_NEW, {}
+        if auto_record.shenhe_danhao:
+            try:
+                audit = TixianShenheJilu.objects.get(shenhe_danhao=auto_record.shenhe_danhao)
+                with transaction.atomic():
+                    close_audit_wechat_failed(audit, None, fail_reason)
+            except TixianShenheJilu.DoesNotExist:
+                logger.warning('微信失败但审核记录不存在: %s', auto_record.shenhe_danhao)
+        return RECONCILE_AUDIT_CLOSED, {
+            'msg': '微信已确认转账失败，该笔提现已关闭，请联系客服处理',
+        }
 
     if auto_record.zhuangtai == 0:
         return RECONCILE_PENDING, {
@@ -1145,6 +1224,8 @@ def reconcile_shenhe_wechat_bills(shenhe_danhao):
             return action, payload
         if action == RECONCILE_WAIT_CONFIRM:
             return action, payload
+        if action == RECONCILE_AUDIT_CLOSED:
+            return action, payload
         if action == RECONCILE_PENDING:
             if pending_hit is None:
                 pending_hit = (action, payload)
@@ -1286,12 +1367,10 @@ def create_audit_application(user_main, leixing, jine):
     """
     提交审核申请：校验 → 扣款 → 写审核表 + 提现记录表
     不创建打款记录表（TixianAutoRecord 仅在收款时创建）
+    允许多笔并行申请（不阻塞待收款/审核中单）
     """
     yonghuid = user_main.yonghuid
 
-    if has_pending_audit(yonghuid):
-        raise ValueError('账户余额不足或您有进行中的提现申请，请等待处理完成或10分钟后后再提交')
-
     ok, msg, extra = validate_withdraw_eligibility(user_main, leixing, jine)
     if not ok:
         raise ValueError(msg)
@@ -1301,6 +1380,10 @@ def create_audit_application(user_main, leixing, jine):
     if shijidaozhang <= 0:
         raise ValueError('提现金额过低，扣除手续费后无实际到账')
 
+    ok, limit_msg = check_shijidaozhang_within_limit(shijidaozhang)
+    if not ok:
+        raise ValueError(limit_msg)
+
     shenhe_danhao = generate_shenhe_danhao()
     nicheng = extra.get('nicheng', '')