P0防双笔：查不清绝不新建第二笔；新增提现抽成利润统计接口。

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

yonghu/tixian_shenhe_views.py

@@ -421,17 +421,19 @@ def process_audit_collect(request):
 
             # 选户：绑定用户仅 1 户；未绑定按 priority。
             # 仅「商户整户日/月额度」+ 查单确认未建单 才静默换号；其它失败立刻回前端。
+            # 跨次仅跳过「整户额度」失败过的商户，个人限额/IP/余额失败不跨次换号。
             if not is_user_bound and len(mch_cfgs) > 1:
-                failed_mchs = set(
-                    TixianAutoRecord.objects.filter(
-                        shenhe_danhao=shenhe_danhao, zhuangtai=2,
-                    ).exclude(mch_id='').values_list('mch_id', flat=True)
-                )
-                prefer_cfgs = [c for c in mch_cfgs if c.get('MCHID') not in failed_mchs]
+                failed_quota_mchs = set()
+                for fr, mid in TixianAutoRecord.objects.filter(
+                    shenhe_danhao=shenhe_danhao, zhuangtai=2,
+                ).exclude(mch_id='').values_list('fail_reason', 'mch_id'):
+                    if mid and _is_wx_mch_total_quota_exhausted('', fr or ''):
+                        failed_quota_mchs.add(mid)
+                prefer_cfgs = [c for c in mch_cfgs if c.get('MCHID') not in failed_quota_mchs]
                 if prefer_cfgs and len(prefer_cfgs) < len(mch_cfgs):
                     logger.warning(
-                        '收款优先未失败商户 shenhe=%s skip=%s try=%s',
-                        shenhe_danhao, sorted(failed_mchs),
+                        '收款优先未触整户额度商户 shenhe=%s skip=%s try=%s',
+                        shenhe_danhao, sorted(failed_quota_mchs),
                         [c.get('MCHID') for c in prefer_cfgs],
                     )
                     mch_cfgs = prefer_cfgs