feat(distribution): 分站可下调收号比例且不超过主站上限

让分销站能按自身能力下调收号比例扩大利润，同时把主站回收比例作为硬边界，避免分站把比例加得比主站更高。

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

backend/internal/modules/listing/handler_user.go

@@ -42,7 +42,7 @@ func (h *Handler) Update(c *gin.Context) {
 		response.BadRequest(c, listingBindErrorMessage(err))
 		return
 	}
-	item, err := h.service.Update(c.Request.Context(), ownerID, id, req)
+	item, err := h.service.Update(c.Request.Context(), ownerID, id, req, strings.TrimSpace(c.GetHeader("X-Distribution-Site-Code")))
 	if err != nil {
 		writeListingError(c, err)
 		return

backend/internal/modules/listing/receive_pricing.go

@@ -0,0 +1,377 @@
+package listing
+
+import (
+	"context"
+	"encoding/json"
+	"math"
+	"strings"
+
+	"hfb_sys/backend/internal/modules/systemconfig"
+
+	"gorm.io/datatypes"
+)
+
+const (
+	maxAcceleratedSaleRatioIncrement = 10.0
+	maxSiteReceiveRatioDelta         = 20.0
+	minSiteReceiveRatio              = 0.01
+)
+
+// ReceivePricingView 是收号定价快照，供分销收号管理等读侧展示。
+type ReceivePricingView struct {
+	SellerRatio          float64
+	SellerTotalPriceCent int64
+	BuyerRatio           float64
+}
+
+// ReceivePricingFromAssetSummary 读取账号资产里的主站收号/挂牌比例。
+func ReceivePricingFromAssetSummary(raw datatypes.JSON) ReceivePricingView {
+	summary := decodeAssetSummary(raw)
+	breakdown := ensurePriceBreakdown(summary)
+	sellerTotal := readSummaryNumber(breakdown["seller_total_price"])
+	return ReceivePricingView{
+		SellerRatio:          readSummaryNumber(breakdown["seller_ratio"]),
+		SellerTotalPriceCent: yuanToCent(sellerTotal),
+		BuyerRatio:           readSummaryNumber(breakdown["buyer_ratio"]),
+	}
+}
+
+func (s *Service) applyMainSiteReceivePricing(ctx context.Context, req *CreateRequest, receiveRatioDelta float64, onDistributionSite bool) error {
+	if req == nil {
+		return nil
+	}
+	options, err := s.publishRatioOptions(ctx)
+	if err != nil {
+		return err
+	}
+	config, err := s.externalSalePriceConfig(ctx)
+	if err != nil {
+		return err
+	}
+	applyMainSiteReceivePricing(req, options, config, receiveRatioDelta, onDistributionSite)
+	return nil
+}
+
+func applyMainSiteReceivePricing(req *CreateRequest, options systemconfig.PublishOptionsDTO, config salePriceConfig, receiveRatioDelta float64, onDistributionSite bool) {
+	if req == nil {
+		return
+	}
+	if req.AssetSummary == nil {
+		req.AssetSummary = map[string]any{}
+	}
+	coinM := coinMFromHafCoinAmount(req.HafCoinAmount)
+	referenceRatio := calculateSellerReferenceRatio(coinM, req.AssetSummary, options)
+	if referenceRatio <= 0 {
+		return
+	}
+
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	requestedRatio := readSummaryNumber(breakdown["seller_ratio"])
+	if requestedRatio <= 0 {
+		requestedRatio = readSummaryNumber(breakdown["accelerated_sale_ratio"])
+	}
+	sellerRatio := clampSaleRatio(referenceRatio, requestedRatio)
+	delta := NormalizeSiteReceiveRatioDelta(receiveRatioDelta)
+	if onDistributionSite {
+		sellerRatio = ApplySiteReceiveRatioDelta(referenceRatio, delta)
+	}
+	coinWan := coinM * 100
+	sellerCoinBasePrice := roundMoney(coinWan / sellerRatio)
+	consumablePrice := consumableValue(req.AssetSummary)
+	sellerTotalPrice := roundMoney(sellerCoinBasePrice + consumablePrice)
+	dailyLoss := readSummaryNumber(req.AssetSummary["daily_loss_m"])
+	pricing := calculateExternalPlatformPricing(coinM, sellerRatio, sellerCoinBasePrice, consumablePrice, config)
+
+	breakdown["seller_reference_ratio"] = referenceRatio
+	breakdown["seller_ratio"] = sellerRatio
+	breakdown["seller_coin_base_price"] = sellerCoinBasePrice
+	breakdown["seller_total_price"] = sellerTotalPrice
+	breakdown["consumable_price"] = consumablePrice
+	breakdown["daily_loss_ratio_adjustment"] = calculateDailyLossRatioAdjustment(dailyLoss)
+	breakdown["accelerated_sale_ratio"] = sellerRatio
+	breakdown["site_receive_ratio_delta"] = delta
+	breakdown["buyer_coin_base_price"] = pricing.BuyerCoinBasePrice
+	breakdown["buyer_total_price"] = pricing.BuyerTotalPrice
+	breakdown["buyer_ratio"] = pricing.BuyerRatio
+	breakdown["platform_markup_amount"] = pricing.PlatformMarkupPrice
+	breakdown["platform_rule_type"] = pricing.RuleType
+	req.AssetSummary["price_breakdown"] = breakdown
+	req.AssetSummary["publish_ratio"] = pricing.BuyerRatio
+	req.PriceCent = yuanToCent(pricing.BuyerTotalPrice)
+}
+
+// NormalizeSiteReceiveRatioDelta 将分站收号下调点数限制在 [0, 20]。
+func NormalizeSiteReceiveRatioDelta(delta float64) float64 {
+	if delta < 0 || math.IsNaN(delta) || math.IsInf(delta, 0) {
+		return 0
+	}
+	if delta > maxSiteReceiveRatioDelta {
+		return maxSiteReceiveRatioDelta
+	}
+	return roundRatio(delta)
+}
+
+// ApplySiteReceiveRatioDelta 在主站回收比例上限内下调分站收号比例。
+func ApplySiteReceiveRatioDelta(referenceRatio, delta float64) float64 {
+	if referenceRatio <= 0 {
+		return 0
+	}
+	siteRatio := roundRatio(referenceRatio - NormalizeSiteReceiveRatioDelta(delta))
+	if siteRatio < minSiteReceiveRatio {
+		return minSiteReceiveRatio
+	}
+	if siteRatio > referenceRatio {
+		return referenceRatio
+	}
+	return siteRatio
+}
+
+func (s *Service) publishRatioOptions(ctx context.Context) (systemconfig.PublishOptionsDTO, error) {
+	options := systemconfig.DefaultPublishOptions()
+	if s == nil || s.config == nil {
+		return options, nil
+	}
+	value, err := s.config.FindValue(ctx, publishOptionsConfigKey)
+	if err != nil {
+		return options, err
+	}
+	if strings.TrimSpace(value) == "" {
+		return options, nil
+	}
+	var parsed systemconfig.PublishOptionsDTO
+	if err := json.Unmarshal([]byte(value), &parsed); err != nil {
+		return options, nil
+	}
+	if len(parsed.RatioConfig.InsuranceBaseRatios) == 0 {
+		parsed.RatioConfig.InsuranceBaseRatios = options.RatioConfig.InsuranceBaseRatios
+	}
+	if len(parsed.RatioConfig.ConfigItems) == 0 {
+		parsed.RatioConfig.ConfigItems = options.RatioConfig.ConfigItems
+	}
+	if len(parsed.RatioConfig.CoinCorrections) == 0 {
+		parsed.RatioConfig.CoinCorrections = options.RatioConfig.CoinCorrections
+	}
+	if len(parsed.LevelOptions) == 0 {
+		parsed.LevelOptions = options.LevelOptions
+	}
+	if len(parsed.SkinGroups) == 0 {
+		parsed.SkinGroups = options.SkinGroups
+	}
+	return parsed, nil
+}
+
+func calculateSellerReferenceRatio(coinM float64, summary map[string]any, options systemconfig.PublishOptionsDTO) float64 {
+	if coinM <= 0 || summary == nil {
+		return 0
+	}
+	insurance := readSummaryString(summary["season_insurance"])
+	stamina := readSummaryString(summary["stamina_level"])
+	load := readSummaryString(summary["load_level"])
+	if insurance == "" || stamina == "" || load == "" {
+		return 0
+	}
+	baseRatio := insuranceBaseRatio(options.RatioConfig.InsuranceBaseRatios, insurance)
+	if baseRatio <= 0 {
+		return 0
+	}
+	dailyLoss := readSummaryNumber(summary["daily_loss_m"])
+	return baseRatio +
+		calculateRatioConfigPenalty(options, summary, stamina, load) +
+		coinCorrection(options.RatioConfig.CoinCorrections, coinM) +
+		calculateDailyLossRatioAdjustment(dailyLoss)
+}
+
+func clampSaleRatio(referenceRatio, requestedRatio float64) float64 {
+	maxRatio := roundRatio(referenceRatio + maxAcceleratedSaleRatioIncrement)
+	if requestedRatio <= 0 {
+		return referenceRatio
+	}
+	if requestedRatio < referenceRatio {
+		return referenceRatio
+	}
+	if requestedRatio > maxRatio {
+		return maxRatio
+	}
+	return roundRatio(requestedRatio)
+}
+
+func insuranceBaseRatio(items []systemconfig.PublishInsuranceBaseRatio, insurance string) float64 {
+	for _, item := range items {
+		if item.Insurance == insurance {
+			return item.Ratio
+		}
+	}
+	return 0
+}
+
+func calculateRatioConfigPenalty(options systemconfig.PublishOptionsDTO, summary map[string]any, stamina, load string) float64 {
+	selectedSkins := flattenSkinNames(summary)
+	penalty := 0.0
+	for _, item := range options.RatioConfig.ConfigItems {
+		if ratioConfigItemMatched(item, options, selectedSkins, stamina, load) {
+			continue
+		}
+		penalty += item.MissingPenalty
+	}
+	return penalty
+}
+
+func ratioConfigItemMatched(
+	item systemconfig.PublishRatioConfigItem,
+	options systemconfig.PublishOptionsDTO,
+	selectedSkins []string,
+	stamina, load string,
+) bool {
+	switch item.Kind {
+	case "skin_group":
+		return hasSelectedSkinGroup(options.SkinGroups, item.GroupKey, selectedSkins)
+	case "max_stamina":
+		return isMaxLevel(stamina, options.LevelOptions)
+	case "max_load":
+		return isMaxLevel(load, options.LevelOptions)
+	default:
+		return false
+	}
+}
+
+func hasSelectedSkinGroup(groups []systemconfig.PublishOptionGroup, groupKey string, selectedSkins []string) bool {
+	if groupKey == "" || len(selectedSkins) == 0 {
+		return false
+	}
+	for _, group := range groups {
+		if group.Key != groupKey {
+			continue
+		}
+		allowed := make(map[string]struct{}, len(group.Options))
+		for _, skin := range group.Options {
+			allowed[skin] = struct{}{}
+		}
+		for _, skin := range selectedSkins {
+			if _, ok := allowed[skin]; ok {
+				return true
+			}
+		}
+	}
+	return false
+}
+
+func isMaxLevel(value string, levelOptions []string) bool {
+	current := readLevelNumber(value)
+	maxLevel := 0
+	for _, option := range levelOptions {
+		if n := readLevelNumber(option); n > maxLevel {
+			maxLevel = n
+		}
+	}
+	if current > 0 && maxLevel > 0 {
+		return current >= maxLevel
+	}
+	if len(levelOptions) == 0 {
+		return false
+	}
+	return value == levelOptions[len(levelOptions)-1]
+}
+
+func readLevelNumber(value string) int {
+	digits := ""
+	for _, r := range value {
+		if r >= '0' && r <= '9' {
+			digits += string(r)
+		}
+	}
+	if digits == "" {
+		return 0
+	}
+	n := 0
+	for _, r := range digits {
+		n = n*10 + int(r-'0')
+	}
+	return n
+}
+
+func coinCorrection(items []systemconfig.PublishCoinCorrection, coinM float64) float64 {
+	bestThreshold := -1.0
+	correction := 0.0
+	for _, item := range items {
+		if coinM > item.ThresholdM && item.ThresholdM >= bestThreshold {
+			bestThreshold = item.ThresholdM
+			correction = item.Correction
+		}
+	}
+	return correction
+}
+
+func calculateDailyLossRatioAdjustment(dailyLossM float64) float64 {
+	if dailyLossM <= 0 {
+		return 0
+	}
+	adjustment := (dailyLossM - 10) / 10
+	if adjustment < 0 {
+		return 0
+	}
+	floored := float64(int(adjustment))
+	if floored > 4 {
+		return 4
+	}
+	return floored
+}
+
+func coinMFromHafCoinAmount(amount int64) float64 {
+	if amount <= 0 {
+		return 0
+	}
+	return float64(amount) / 1_000_000
+}
+
+func flattenSkinNames(summary map[string]any) []string {
+	if summary == nil {
+		return nil
+	}
+	raw, ok := summary["skin_groups"]
+	if !ok || raw == nil {
+		return nil
+	}
+	var names []string
+	switch groups := raw.(type) {
+	case map[string]any:
+		for _, value := range groups {
+			names = append(names, stringSlice(value)...)
+		}
+	case map[string][]string:
+		for _, value := range groups {
+			names = append(names, value...)
+		}
+	case map[string][]any:
+		for _, value := range groups {
+			names = append(names, stringSlice(value)...)
+		}
+	}
+	return names
+}
+
+func stringSlice(value any) []string {
+	switch items := value.(type) {
+	case []string:
+		return items
+	case []any:
+		result := make([]string, 0, len(items))
+		for _, item := range items {
+			text := strings.TrimSpace(readSummaryString(item))
+			if text != "" {
+				result = append(result, text)
+			}
+		}
+		return result
+	default:
+		return nil
+	}
+}
+
+func readSummaryString(value any) string {
+	switch typed := value.(type) {
+	case string:
+		return strings.TrimSpace(typed)
+	default:
+		return ""
+	}
+}

backend/internal/modules/listing/receive_pricing_test.go

@@ -0,0 +1,117 @@
+package listing
+
+import (
+	"testing"
+
+	"hfb_sys/backend/internal/modules/systemconfig"
+)
+
+func fullReceivePricingRequest(sellerRatio float64) CreateRequest {
+	return CreateRequest{
+		HafCoinAmount: 100_000_000,
+		PriceCent:     100,
+		AssetSummary: map[string]any{
+			"season_insurance": "3*3",
+			"stamina_level":    "7级",
+			"load_level":       "7级",
+			"daily_loss_m":     10,
+			"price_breakdown": map[string]any{
+				"seller_ratio":       sellerRatio,
+				"seller_total_price": 1.0,
+				"buyer_total_price":  1.0,
+			},
+		},
+	}
+}
+
+func TestCalculateSellerReferenceRatioUsesMainSiteConfig(t *testing.T) {
+	options := systemconfig.DefaultPublishOptions()
+	summary := map[string]any{
+		"season_insurance": "3*3",
+		"stamina_level":    "7级",
+		"load_level":       "7级",
+		"daily_loss_m":     10,
+	}
+	got := calculateSellerReferenceRatio(100, summary, options)
+	if got != 43 {
+		t.Fatalf("reference ratio = %v, want 43 (base 40 + missing skin penalties 3)", got)
+	}
+}
+
+func TestApplyMainSiteReceivePricingOverwritesClientRatio(t *testing.T) {
+	req := fullReceivePricingRequest(10)
+	applyMainSiteReceivePricing(&req, systemconfig.DefaultPublishOptions(), defaultSalePriceConfig(), 0, false)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 43 {
+		t.Fatalf("seller_ratio = %v, want 43", breakdown["seller_ratio"])
+	}
+	if readSummaryNumber(breakdown["seller_reference_ratio"]) != 43 {
+		t.Fatalf("seller_reference_ratio = %v, want 43", breakdown["seller_reference_ratio"])
+	}
+	if readSummaryNumber(breakdown["seller_coin_base_price"]) != 232.6 {
+		t.Fatalf("seller_coin_base_price = %v, want 232.6", breakdown["seller_coin_base_price"])
+	}
+	if readSummaryNumber(breakdown["buyer_ratio"]) != 38 {
+		t.Fatalf("buyer_ratio = %v, want 38", breakdown["buyer_ratio"])
+	}
+	if req.PriceCent != 26320 {
+		t.Fatalf("PriceCent = %d, want 26320", req.PriceCent)
+	}
+}
+
+func TestApplyMainSiteReceivePricingKeepsAcceleratedRatioWithinMainSiteRange(t *testing.T) {
+	req := fullReceivePricingRequest(50)
+	applyMainSiteReceivePricing(&req, systemconfig.DefaultPublishOptions(), defaultSalePriceConfig(), 0, false)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 50 {
+		t.Fatalf("accelerated seller_ratio = %v, want 50", breakdown["seller_ratio"])
+	}
+	if readSummaryNumber(breakdown["seller_reference_ratio"]) != 43 {
+		t.Fatalf("seller_reference_ratio = %v, want 43", breakdown["seller_reference_ratio"])
+	}
+}
+
+func TestDistributionReceiveRatioCannotExceedMainSite(t *testing.T) {
+	req := fullReceivePricingRequest(50)
+	applyMainSiteReceivePricing(&req, systemconfig.DefaultPublishOptions(), defaultSalePriceConfig(), 0, true)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 43 {
+		t.Fatalf("distribution seller_ratio = %v, want main-site ceiling 43", breakdown["seller_ratio"])
+	}
+}
+
+func TestDistributionReceiveRatioDeltaLowersBelowMainSite(t *testing.T) {
+	req := fullReceivePricingRequest(50)
+	applyMainSiteReceivePricing(&req, systemconfig.DefaultPublishOptions(), defaultSalePriceConfig(), 3, true)
+	breakdown := ensurePriceBreakdown(req.AssetSummary)
+	if readSummaryNumber(breakdown["seller_ratio"]) != 40 {
+		t.Fatalf("distribution seller_ratio = %v, want 40 after lowering 3 points", breakdown["seller_ratio"])
+	}
+	if readSummaryNumber(breakdown["seller_reference_ratio"]) != 43 {
+		t.Fatalf("seller_reference_ratio = %v, want 43", breakdown["seller_reference_ratio"])
+	}
+	if readSummaryNumber(breakdown["site_receive_ratio_delta"]) != 3 {
+		t.Fatalf("site_receive_ratio_delta = %v, want 3", breakdown["site_receive_ratio_delta"])
+	}
+}
+
+func TestApplySiteReceiveRatioDeltaCapsAtMainSite(t *testing.T) {
+	if got := ApplySiteReceiveRatioDelta(43, -5); got != 43 {
+		t.Fatalf("negative delta must keep main-site ratio, got %v", got)
+	}
+	if got := ApplySiteReceiveRatioDelta(43, 3); got != 40 {
+		t.Fatalf("delta 3 = %v, want 40", got)
+	}
+	if got := NormalizeSiteReceiveRatioDelta(-2); got != 0 {
+		t.Fatalf("normalize negative = %v, want 0", got)
+	}
+}
+
+func TestClampSaleRatioRejectsBelowReference(t *testing.T) {
+	if got := clampSaleRatio(43, 10); got != 43 {
+		t.Fatalf("clamp below reference = %v, want 43", got)
+	}
+	if got := clampSaleRatio(43, 80); got != 53 {
+		t.Fatalf("clamp above max = %v, want 53", got)
+	}
+}

backend/internal/modules/listing/service_mutation.go

@@ -2,6 +2,7 @@ package listing
 
 import (
 	"context"
+	"strings"
 )
 
 func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest, siteCode ...string) (*ListingDTO, error) {
@@ -11,6 +12,14 @@ func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest,
 	if !req.AgreedVirtualAssetSale || !req.AgreedSellerAgreement {
 		return nil, ErrAgreementRequired
 	}
+	effectiveSiteCode := ""
+	if len(siteCode) > 0 {
+		effectiveSiteCode = strings.TrimSpace(siteCode[0])
+	}
+	delta, onDistribution := s.repo.ResolveReceiveRatioDelta(ctx, 0, effectiveSiteCode)
+	if err := s.applyMainSiteReceivePricing(ctx, &req, delta, onDistribution); err != nil {
+		return nil, err
+	}
 	rules, err := s.publishRules(ctx)
 	if err != nil {
 		return nil, err
@@ -29,17 +38,21 @@ func (s *Service) Create(ctx context.Context, ownerID uint64, req CreateRequest,
 	if err != nil {
 		return nil, err
 	}
-	effectiveSiteCode := ""
-	if len(siteCode) > 0 {
-		effectiveSiteCode = siteCode[0]
-	}
 	return s.repo.Create(ctx, ownerID, req, reviewRequired, cooldown, effectiveSiteCode)
 }
 
-func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req UpdateRequest) (*ListingDTO, error) {
+func (s *Service) Update(ctx context.Context, ownerID uint64, id uint64, req UpdateRequest, siteCode ...string) (*ListingDTO, error) {
 	if s.repo == nil {
 		return nil, ErrDependencyUnavailable
 	}
+	effectiveSiteCode := ""
+	if len(siteCode) > 0 {
+		effectiveSiteCode = strings.TrimSpace(siteCode[0])
+	}
+	delta, onDistribution := s.repo.ResolveReceiveRatioDelta(ctx, id, effectiveSiteCode)
+	if err := s.applyMainSiteReceivePricing(ctx, &req, delta, onDistribution); err != nil {
+		return nil, err
+	}
 	rules, err := s.publishRules(ctx)
 	if err != nil {
 		return nil, err

backend/internal/modules/listing/service_test.go

@@ -1008,3 +1008,139 @@ func TestListMineSiteIsolation(t *testing.T) {
 		t.Fatalf("expected 2 listings, got %d", len(allItems))
 	}
 }
+
+func TestCreateDistributionListingUsesMainSiteReceiveRatio(t *testing.T) {
+	db := database.NewTestDB()
+	if err := database.MigrateListingLifecycleTestSchema(db); err != nil {
+		t.Fatalf("migrate err: %v", err)
+	}
+	svc := NewService(NewRepository(db, nil), stubConfigReader{})
+
+	user := model.User{Phone: "18800000021", Nickname: "分销收号卖家", RealnameStatus: "verified", Status: "active"}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatal(err)
+	}
+	site := model.DistributionSite{
+		SiteCode:              "dist_ratio_1",
+		SiteName:              "收号比例站",
+		Domain:                "ratio.example.com",
+		Status:                "active",
+		DisplayAccountEnabled: true,
+	}
+	if err := db.Create(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	dto, err := svc.Create(context.Background(), user.ID, CreateRequest{
+		Title:             "分销收号商品",
+		ServerRegion:      "QQ",
+		LoginPlatform:     "PC",
+		RankLevel:         "钻石",
+		HafCoinAmount:     100_000_000,
+		PriceCent:         100,
+		DepositAmountCent: 15000,
+		ScreenshotURLS:    []string{"https://example.com/ratio.png"},
+		AssetSummary: map[string]any{
+			"fire_level":       50,
+			"season_insurance": "3*3",
+			"stamina_level":    "7级",
+			"load_level":       "7级",
+			"daily_loss_m":     10,
+			"online_time": map[string]any{
+				"start": "09:00",
+				"end":   "23:00",
+			},
+			"price_breakdown": map[string]any{
+				"seller_ratio":       10.0,
+				"seller_total_price": 1.0,
+				"buyer_total_price":  1.0,
+			},
+		},
+		AgreedVirtualAssetSale: true,
+		AgreedSellerAgreement:  true,
+	}, "dist_ratio_1")
+	if err != nil {
+		t.Fatalf("Create failed: %v", err)
+	}
+
+	pricing := ReceivePricingFromAssetSummary(mustMarshalSummary(t, dto.AssetSummary))
+	if pricing.SellerRatio != 43 {
+		t.Fatalf("distribution receive seller_ratio = %v, want 43 from main-site ratio_config", pricing.SellerRatio)
+	}
+	if pricing.SellerTotalPriceCent != 23260 {
+		t.Fatalf("seller_total_price_cent = %d, want 23260", pricing.SellerTotalPriceCent)
+	}
+	if dto.PriceCent != 26320 {
+		t.Fatalf("listing PriceCent = %d, want 26320 from main-site sale price", dto.PriceCent)
+	}
+	if dto.DistributionSiteCode != "dist_ratio_1" {
+		t.Fatalf("DistributionSiteCode = %s, want dist_ratio_1", dto.DistributionSiteCode)
+	}
+}
+
+func TestCreateDistributionListingAppliesSiteReceiveRatioDelta(t *testing.T) {
+	db := database.NewTestDB()
+	if err := database.MigrateListingLifecycleTestSchema(db); err != nil {
+		t.Fatalf("migrate err: %v", err)
+	}
+	svc := NewService(NewRepository(db, nil), stubConfigReader{})
+
+	user := model.User{Phone: "18800000022", Nickname: "分销下调卖家", RealnameStatus: "verified", Status: "active"}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatal(err)
+	}
+	site := model.DistributionSite{
+		SiteCode:              "dist_ratio_down",
+		SiteName:              "下调收号站",
+		Domain:                "ratio-down.example.com",
+		Status:                "active",
+		DisplayAccountEnabled: true,
+		ReceiveRatioDelta:     3,
+	}
+	if err := db.Create(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+
+	dto, err := svc.Create(context.Background(), user.ID, CreateRequest{
+		Title:             "分销下调收号",
+		ServerRegion:      "QQ",
+		LoginPlatform:     "PC",
+		RankLevel:         "钻石",
+		HafCoinAmount:     100_000_000,
+		PriceCent:         100,
+		DepositAmountCent: 15000,
+		ScreenshotURLS:    []string{"https://example.com/ratio-down.png"},
+		AssetSummary: map[string]any{
+			"fire_level":       50,
+			"season_insurance": "3*3",
+			"stamina_level":    "7级",
+			"load_level":       "7级",
+			"daily_loss_m":     10,
+			"online_time": map[string]any{
+				"start": "09:00",
+				"end":   "23:00",
+			},
+			"price_breakdown": map[string]any{
+				"seller_ratio": 50.0,
+			},
+		},
+		AgreedVirtualAssetSale: true,
+		AgreedSellerAgreement:  true,
+	}, "dist_ratio_down")
+	if err != nil {
+		t.Fatalf("Create failed: %v", err)
+	}
+	pricing := ReceivePricingFromAssetSummary(mustMarshalSummary(t, dto.AssetSummary))
+	if pricing.SellerRatio != 40 {
+		t.Fatalf("seller_ratio = %v, want 40 after site delta 3 below main-site 43", pricing.SellerRatio)
+	}
+}
+
+func mustMarshalSummary(t *testing.T, summary map[string]any) []byte {
+	t.Helper()
+	raw, err := json.Marshal(summary)
+	if err != nil {
+		t.Fatal(err)
+	}
+	return raw
+}

backend/internal/modules/listing/site_receive.go

@@ -0,0 +1,46 @@
+package listing
+
+import (
+	"context"
+	"strings"
+
+	"hfb_sys/backend/internal/model"
+)
+
+func (r *Repository) ReceiveRatioDeltaBySiteCode(ctx context.Context, siteCode string) float64 {
+	siteCode = strings.TrimSpace(siteCode)
+	if r == nil || r.db == nil || siteCode == "" {
+		return 0
+	}
+	var delta float64
+	_ = r.db.WithContext(ctx).Model(&model.DistributionSite{}).
+		Select("COALESCE(receive_ratio_delta, 0)").
+		Where("site_code = ? AND status = 'active'", siteCode).
+		Limit(1).
+		Scan(&delta)
+	return NormalizeSiteReceiveRatioDelta(delta)
+}
+
+func (r *Repository) ResolveReceiveRatioDelta(ctx context.Context, listingID uint64, siteCode string) (float64, bool) {
+	if code := strings.TrimSpace(siteCode); code != "" {
+		return r.ReceiveRatioDeltaBySiteCode(ctx, code), true
+	}
+	if r == nil || r.db == nil || listingID == 0 {
+		return 0, false
+	}
+	var siteID *uint64
+	if err := r.db.WithContext(ctx).Model(&model.RentalListing{}).
+		Select("distribution_site_id").
+		Where("id = ?", listingID).
+		Limit(1).
+		Scan(&siteID).Error; err != nil || siteID == nil || *siteID == 0 {
+		return 0, false
+	}
+	var delta float64
+	_ = r.db.WithContext(ctx).Model(&model.DistributionSite{}).
+		Select("COALESCE(receive_ratio_delta, 0)").
+		Where("id = ? AND status = 'active'", *siteID).
+		Limit(1).
+		Scan(&delta)
+	return NormalizeSiteReceiveRatioDelta(delta), true
+}