feat: restore credit limits and harden SMS sending

src/apps/admin/AdminCustomerDetailPage.tsx

@@ -69,6 +69,7 @@ export function AdminCustomerDetailPage() {
         <div className="surface mini-status-card"><Server size={22} /><div><span>企业编码</span><strong>{tenant?.code ?? '-'}</strong><small>{tenant?.status ?? '-'}</small></div></div>
         <div className="surface mini-status-card"><MessageSquare size={22} /><div><span>计费方式</span><strong>按量计费</strong><small>仅从现金余额扣费</small></div></div>
         <div className="surface mini-status-card"><FileText size={22} /><div><span>现金余额</span><strong>¥{formatCents(account?.balanceCents)}</strong><small>真实账户余额</small></div></div>
+        <div className="surface mini-status-card"><FileText size={22} /><div><span>授信额度</span><strong>¥{formatCents(account?.creditCents)}</strong><small>可配置为正数、负数或 0</small></div></div>
       </div>
 
       <div className="surface section-stack">

src/apps/admin/AdminCustomerFormPage.tsx

@@ -7,6 +7,7 @@ import { Breadcrumb, Button, FileActions, Input, Select, Textarea } from '@/comp
 type EnterpriseForm = {
   name: string;
   creditCode: string;
+  creditLimit: string;
   province: string;
   city: string;
   address: string;
@@ -44,6 +45,7 @@ const cityOptionsByProvince: Record<string, Array<{ label: string; value: string
 const emptyForm: EnterpriseForm = {
   name: '',
   creditCode: '',
+  creditLimit: '0',
   province: '',
   city: '',
   address: '',
@@ -56,11 +58,12 @@ const emptyForm: EnterpriseForm = {
   photoContentType: '',
 };
 
-function formFromTenant(tenant: TenantOption): EnterpriseForm {
+function formFromTenant(tenant: TenantOption, creditCents = 0): EnterpriseForm {
   const profile = tenant.enterpriseProfile;
   return {
     name: tenant.name,
     creditCode: profile?.creditCode ?? '',
+    creditLimit: String(creditCents / 100),
     province: profile?.province ?? '',
     city: profile?.city ?? '',
     address: profile?.address ?? '',
@@ -89,9 +92,9 @@ export function AdminCustomerFormPage() {
       setForm(emptyForm);
       return;
     }
-    adminApi.getTenant(enterpriseId)
-      .then((tenant) => {
-        setForm(formFromTenant(tenant));
+    Promise.all([adminApi.getTenant(enterpriseId), adminApi.listAccounts()])
+      .then(([tenant, accounts]) => {
+        setForm(formFromTenant(tenant, accounts.find((account) => account.tenantId === enterpriseId)?.creditCents ?? 0));
         setError('');
       })
       .catch((failure: Error) => setError(failure.message || '企业信息加载失败'));
@@ -117,21 +120,30 @@ export function AdminCustomerFormPage() {
     if (!form.creditCode.trim()) nextErrors.creditCode = '请填写统一社会信用代码';
     if (!form.contactName.trim()) nextErrors.contactName = '请填写联系人姓名';
     if (!form.contactPhone.trim()) nextErrors.contactPhone = '请填写手机号';
+    const creditLimit = Number(form.creditLimit);
+    if (!Number.isFinite(creditLimit)) nextErrors.creditLimit = '请填写有效的授信额度';
     setErrors(nextErrors);
     return Object.keys(nextErrors).length === 0;
   }
 
-  function submitForm() {
+  async function submitForm() {
     if (!validateForm()) return;
     setSaving(true);
-    const { photoContentType, photoFileName, ...payload } = form;
-    const request = isEdit && enterpriseId
-      ? adminApi.updateTenant(enterpriseId, payload)
-      : adminApi.createTenant(payload);
-    request
-      .then(() => navigate('/admin/customers'))
-      .catch((failure: Error) => setError(failure.message || '企业保存失败'))
-      .finally(() => setSaving(false));
+    const { creditLimit, photoContentType, photoFileName, ...payload } = form;
+    try {
+      const tenant = isEdit && enterpriseId
+        ? await adminApi.updateTenant(enterpriseId, payload)
+        : await adminApi.createTenant(payload);
+      await adminApi.updateCreditLimit(tenant.id, {
+        creditCents: Math.round(Number(creditLimit) * 100),
+        remark: isEdit ? '企业编辑页调整授信额度' : '创建企业初始化授信额度',
+      });
+      navigate('/admin/customers');
+    } catch (failure) {
+      setError(failure instanceof Error ? failure.message : '企业保存失败');
+    } finally {
+      setSaving(false);
+    }
   }
 
   function uploadEnterprisePhoto(file: File | undefined) {
@@ -204,6 +216,18 @@ export function AdminCustomerFormPage() {
             />
           </div>
 
+          <div className="form-grid form-grid--two">
+            <Input
+              error={errors.creditLimit}
+              hint="可填写正数、负数或 0；短信发送时判断余额与授信额度之和是否大于 0。"
+              label="授信额度（元）"
+              onChange={(event) => updateForm('creditLimit', event.target.value)}
+              required
+              type="number"
+              value={form.creditLimit}
+            />
+          </div>
+
           <div className="form-grid form-grid--two">
             <Select label="省/直辖市" onChange={(event) => updateForm('province', event.target.value)} options={provinceOptions} value={form.province} />
             <Select label="市/区" onChange={(event) => updateForm('city', event.target.value)} options={cityOptions} value={form.city} />

src/apps/admin/AdminCustomersPage.tsx

@@ -86,6 +86,7 @@ export function AdminCustomersPage({ basePath = '/admin/customers' }: AdminCusto
         );
       },
     },
+    { key: 'creditLimit', title: '授信额度', width: '150px', align: 'right', render: (record) => `¥${formatCents(record.account?.creditCents ?? 0)}` },
     { key: 'todaySpend', title: '今日消费', width: '150px', align: 'right', render: (record) => `¥${formatCents(record.todaySpendCents)}` },
     { key: 'todayRefund', title: '今日返还', width: '150px', align: 'right', render: (record) => `¥${formatCents(record.todayRefundCents)}` },
     { key: 'status', title: '企业状态', width: '130px', render: (record) => <Tag tone={record.status === 'active' ? 'success' : 'warning'}>{record.status === 'active' ? '正常' : '已禁用'}</Tag> },

src/apps/admin/AdminHome.tsx

@@ -69,7 +69,7 @@ export function AdminHome() {
       const todaySpend = Math.abs(dashboard?.recentRecharges
         .filter((item) => item.tenantId === account.tenantId)
         .reduce((sum, item) => sum + item.amountCents, 0) ?? 0) / 100;
-      const availableBalance = account.balanceCents / 100;
+      const availableBalance = (account.balanceCents + account.creditCents) / 100;
       return {
         id: account.tenantId,
         enterprise: account.tenant?.name ?? account.tenantId,