收款商户限额/不可用时强制静默换号，审核单记录实际打款商户号。

对账无package一律放行；额度/IP/4xx跳过查单直接试下一户；新增 dakuan_mch_id 防止串户；平台限额文案加前缀区分。

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

yonghu/migrations/0025_tixianshenhejilu_dakuan_mch_id.py

@@ -0,0 +1,23 @@
+# Generated manually: TixianShenheJilu.dakuan_mch_id
+from django.db import migrations, models
+
+
+class Migration(migrations.Migration):
+
+    dependencies = [
+        ('yonghu', '0024_tixianautorecord_mch_id'),
+    ]
+
+    operations = [
+        migrations.AddField(
+            model_name='tixianshenhejilu',
+            name='dakuan_mch_id',
+            field=models.CharField(
+                blank=True,
+                db_index=True,
+                default='',
+                max_length=32,
+                verbose_name='实际打款商户号',
+            ),
+        ),
+    ]