diff --git a/backend/internal/modules/distribution/dto.go b/backend/internal/modules/distribution/dto.go
index 765b177..b6c25b2 100644
--- a/backend/internal/modules/distribution/dto.go
+++ b/backend/internal/modules/distribution/dto.go
@@ -145,13 +145,15 @@ type DistributionOrderDTO struct {
 }
 
 type DistributionOrderListQuery struct {
-	SiteID  uint64
-	Kind    string
-	Role    string
-	Status  string
-	Keyword string
-	Page    int
-	Size    int
+	SiteID          uint64
+	Kind            string
+	Role            string
+	Status          string
+	Mode            string
+	FinancialStatus string
+	Keyword         string
+	Page            int
+	Size            int
 }
 
 type DistributionOrderPage struct {
diff --git a/backend/internal/modules/distribution/handler.go b/backend/internal/modules/distribution/handler.go
index 3a4e1df..1d841ae 100644
--- a/backend/internal/modules/distribution/handler.go
+++ b/backend/internal/modules/distribution/handler.go
@@ -144,13 +144,15 @@ func (h *Handler) ListOrders(c *gin.Context) {
 	page, _ := strconv.Atoi(c.DefaultQuery("page", "1"))
 	size, _ := strconv.Atoi(c.DefaultQuery("page_size", "20"))
 	result, err := h.service.ListOrders(c.Request.Context(), DistributionOrderListQuery{
-		SiteID:  scoped,
-		Kind:    c.Query("kind"),
-		Role:    c.Query("role"),
-		Status:  c.Query("status"),
-		Keyword: c.Query("keyword"),
-		Page:    page,
-		Size:    size,
+		SiteID:          scoped,
+		Kind:            c.Query("kind"),
+		Role:            c.Query("role"),
+		Status:          c.Query("status"),
+		Mode:            c.Query("mode"),
+		FinancialStatus: c.Query("financial_status"),
+		Keyword:         c.Query("keyword"),
+		Page:            page,
+		Size:            size,
 	})
 	if err != nil {
 		writeError(c, err)
diff --git a/backend/internal/modules/distribution/repository.go b/backend/internal/modules/distribution/repository.go
index 9a3c402..5dd72ff 100644
--- a/backend/internal/modules/distribution/repository.go
+++ b/backend/internal/modules/distribution/repository.go
@@ -331,9 +331,16 @@ func (r *Repository) UpdateSite(ctx context.Context, adminID, id uint64, req Upd
 }
 
 func (r *Repository) ListRules(ctx context.Context, adminID uint64, siteID *uint64, mode string) ([]RuleDTO, error) {
-	db := r.db.WithContext(ctx).Model(&model.DistributionRuleVersion{}).Order("effective_from DESC, id DESC")
+	db := r.db.WithContext(ctx).Model(&model.DistributionRuleVersion{}).
+		Order("CASE WHEN site_id IS NULL THEN 0 ELSE 1 END ASC, site_id ASC, mode ASC, version DESC, id DESC")
 	if siteID == nil {
-		db = db.Where("site_id IS NULL")
+		global, err := r.hasGlobalDistributionAccess(ctx, adminID)
+		if err != nil {
+			return nil, err
+		}
+		if !global {
+			db = db.Where("site_id IS NULL")
+		}
 	} else {
 		if err := r.ensureSiteAccess(ctx, adminID, *siteID); err != nil {
 			return nil, err
@@ -475,6 +482,12 @@ func (r *Repository) ListOrders(ctx context.Context, query DistributionOrderList
 	if query.Status != "" {
 		base = base.Where("ro.status = ?", query.Status)
 	}
+	if mode := strings.TrimSpace(query.Mode); mode != "" {
+		base = base.Where("ro.distribution_mode = ?", mode)
+	}
+	if financialStatus := strings.TrimSpace(query.FinancialStatus); financialStatus != "" {
+		base = base.Where("f.settlement_status = ?", financialStatus)
+	}
 	if strings.TrimSpace(query.Keyword) != "" {
 		kw := "%" + strings.TrimSpace(query.Keyword) + "%"
 		base = base.Where("(ro.order_no LIKE ? OR rl.listing_no LIKE ? OR ga.title LIKE ? OR u.phone LIKE ?)", kw, kw, kw, kw)
diff --git a/frontend/src/features/admin/api/adminDistribution.ts b/frontend/src/features/admin/api/adminDistribution.ts
index f6f017f..f1bee2f 100644
--- a/frontend/src/features/admin/api/adminDistribution.ts
+++ b/frontend/src/features/admin/api/adminDistribution.ts
@@ -42,7 +42,11 @@ export interface DistributionOrder {
   status: string
   refund_status: string
   settlement_status: string
+  distributor_settlement_status?: string
+  release_at?: string
   distribution_mode: string
+  gross_paid_amount_cent: number
+  refund_amount_cent: number
   net_paid_amount_cent: number
   payment_fee_cent: number
   service_fee_cent: number
@@ -194,6 +198,8 @@ export async function updateDistributionRuleStatus(id: number, status: string) {
 export async function fetchDistributionOrders(params: {
   kind?: string
   status?: string
+  mode?: string
+  financialStatus?: string
   siteID?: number
   page?: number
   pageSize?: number
@@ -204,6 +210,8 @@ export async function fetchDistributionOrders(params: {
       params: {
         kind: params.kind || undefined,
         status: params.status || undefined,
+        mode: params.mode || undefined,
+        financial_status: params.financialStatus || undefined,
         site_id: params.siteID || undefined,
         page: params.page || 1,
         page_size: params.pageSize || 20,
diff --git a/frontend/src/features/admin/utils/distributionLabels.ts b/frontend/src/features/admin/utils/distributionLabels.ts
new file mode 100644
index 0000000..598c45f
--- /dev/null
+++ b/frontend/src/features/admin/utils/distributionLabels.ts
@@ -0,0 +1,112 @@
+import type { DistributionRule } from '@/features/admin/api/adminDistribution'
+
+export const DISTRIBUTION_MODES = [
+  {
+    value: 'two_party_distributor_receive',
+    label: '两方 · 分站收号',
+    hint: '主站下单，货在分站',
+  },
+  {
+    value: 'two_party_platform_receive',
+    label: '两方 · 分站卖出',
+    hint: '分站卖主站货',
+  },
+  {
+    value: 'three_party',
+    label: '三方分账',
+    hint: '分站卖另一分站的货',
+  },
+] as const
+
+const MODE_LABELS: Record<string, string> = Object.fromEntries(
+  DISTRIBUTION_MODES.map(item => [item.value, item.label])
+)
+
+const PARTY_ROLE_LABELS: Record<string, string> = {
+  distributor_receive: '分站收号',
+  platform_sell: '主站卖出',
+  platform_receive: '主站收号',
+  distributor_sell: '分站卖出',
+  distributor_a: '收号站',
+  distributor_b: '卖出站',
+}
+
+export function distributionModeLabel(mode?: string) {
+  if (!mode) return '-'
+  return MODE_LABELS[mode] || mode
+}
+
+export function distributionPartyRoleLabel(role?: string) {
+  if (!role) return '-'
+  return PARTY_ROLE_LABELS[role] || role
+}
+
+export function formatRatioPercent(value?: number) {
+  const n = Number(value || 0)
+  return `${n.toFixed(n % 1 === 0 ? 0 : 1)}%`
+}
+
+export function formatPaymentFeeBps(bps?: number) {
+  return `${Number(bps || 0) / 100}%`
+}
+
+export function ruleSplitParts(rule: DistributionRule) {
+  switch (rule.mode) {
+    case 'two_party_distributor_receive':
+      return [
+        { label: '分站收号', value: formatRatioPercent(rule.distributor_receive_ratio) },
+        { label: '主站卖出', value: formatRatioPercent(rule.platform_sell_ratio) },
+      ]
+    case 'two_party_platform_receive':
+      return [
+        { label: '主站收号', value: formatRatioPercent(rule.platform_receive_ratio) },
+        { label: '分站卖出', value: formatRatioPercent(rule.distributor_sell_ratio) },
+      ]
+    case 'three_party':
+      return [
+        { label: '收号站', value: formatRatioPercent(rule.distributor_a_ratio) },
+        { label: '卖出站', value: formatRatioPercent(rule.distributor_b_ratio) },
+      ]
+    default:
+      return []
+  }
+}
+
+export function formatServiceFee(
+  rule: Pick<DistributionRule, 'service_fee_value' | 'service_fee_unit'>
+) {
+  if (rule.service_fee_unit === 'fixed_amount') {
+    return `${Number(rule.service_fee_value || 0).toFixed(2)} 元/单`
+  }
+  return formatRatioPercent(rule.service_fee_value)
+}
+
+export function settlementBatchKind(batchNo?: string) {
+  if (batchNo?.startsWith('DA')) {
+    return { label: '自动释放', type: 'success' as const }
+  }
+  if (batchNo?.startsWith('DS')) {
+    return { label: '人工批次', type: 'warning' as const }
+  }
+  return { label: '结算批次', type: 'info' as const }
+}
+
+export function distributorReleaseLabel(row: {
+  distributor_settlement_status?: string
+  release_at?: string
+}) {
+  if (row.distributor_settlement_status === 'settled') {
+    return { label: '已释放入账', type: 'success' as const }
+  }
+  if (row.distributor_settlement_status === 'pending' && row.release_at) {
+    const date = new Date(row.release_at)
+    const text = Number.isNaN(date.getTime())
+      ? '待释放'
+      : `待释放 ${date.toLocaleDateString('zh-CN', { month: 'numeric', day: 'numeric' })}`
+    return { label: text, type: 'warning' as const }
+  }
+  if (row.distributor_settlement_status === 'pending') {
+    return { label: '待释放', type: 'info' as const }
+  }
+  return { label: '未进入释放', type: 'info' as const }
+}
diff --git a/frontend/src/features/admin/views/AdminDistributionOrdersView.vue b/frontend/src/features/admin/views/AdminDistributionOrdersView.vue
index 187099b..daaff0d 100644
--- a/frontend/src/features/admin/views/AdminDistributionOrdersView.vue
+++ b/frontend/src/features/admin/views/AdminDistributionOrdersView.vue
@@ -7,8 +7,14 @@ import {
   type DistributionOrder,
   type DistributionSite,
 } from '@/features/admin/api/adminDistribution'
+import {
+  DISTRIBUTION_MODES,
+  distributionModeLabel,
+  distributorReleaseLabel,
+} from '@/features/admin/utils/distributionLabels'
 import { formatCent } from '@/shared/utils/money'
 import { formatDateTime } from '@/shared/utils/time'
+import { orderStatusLabel, refundStatusLabel } from '@/shared/utils/statusLabels'
 import { readError } from '@/shared/utils/error'
 
 const loading = ref(false)
@@ -18,18 +24,13 @@ const total = ref(0)
 
 const query = reactive({
   siteID: undefined as number | undefined,
-  kind: '' as string,
-  status: '' as string,
+  mode: '',
+  status: '',
+  financialStatus: '',
   page: 1,
   pageSize: 20,
 })
 
-const modeMap: Record<string, string> = {
-  two_party_distributor_receive: '收号',
-  two_party_platform_receive: '售出',
-  three_party: '三方',
-}
-
 async function loadSites() {
   try {
     sites.value = await fetchDistributionSites()
@@ -43,8 +44,9 @@ async function loadOrders() {
   try {
     const res = await fetchDistributionOrders({
       siteID: query.siteID,
-      kind: query.kind || undefined,
+      mode: query.mode || undefined,
       status: query.status || undefined,
+      financialStatus: query.financialStatus || undefined,
       page: query.page,
       pageSize: query.pageSize,
     })
@@ -64,15 +66,16 @@ function handleSearch() {
 
 function handleReset() {
   query.siteID = undefined
-  query.kind = ''
+  query.mode = ''
   query.status = ''
+  query.financialStatus = ''
   query.page = 1
   loadOrders()
 }
 
 function getSiteName(siteId: number) {
   const site = sites.value.find(s => s.id === siteId)
-  return site ? `${site.site_name}` : `站点 #${siteId}`
+  return site ? site.site_name : `站点 #${siteId}`
 }
 
 onMounted(async () => {
@@ -85,9 +88,9 @@ onMounted(async () => {
   <div class="distribution-orders-view">
     <div class="page-header">
       <div>
-        <h2 class="page-title">分销订单监控</h2>
+        <h2 class="page-title">分销订单</h2>
         <p class="page-subtitle">
-          全览各合作分销站点的收号与售出订单明细、渠道手续费、单笔服务费及利润分成流水。
+          查看分销订单的利润基数、主站承担的通道费，以及冷却期释放状态。不要把订单履约结算和分销入账混为一谈。
         </p>
       </div>
     </div>
@@ -104,17 +107,33 @@ onMounted(async () => {
             />
           </el-select>
         </el-form-item>
-        <el-form-item label="交易类型">
-          <el-select v-model="query.kind" clearable placeholder="全部模式" style="width: 140px">
-            <el-option label="分销收号" value="receive" />
-            <el-option label="分销售出" value="sold" />
-            <el-option label="全部" value="all" />
+        <el-form-item label="分销模式">
+          <el-select v-model="query.mode" clearable placeholder="全部模式" style="width: 180px">
+            <el-option
+              v-for="item in DISTRIBUTION_MODES"
+              :key="item.value"
+              :label="item.label"
+              :value="item.value"
+            />
           </el-select>
         </el-form-item>
-        <el-form-item label="结算状态">
-          <el-select v-model="query.status" clearable placeholder="全部状态" style="width: 140px">
-            <el-option label="待结算" value="pending" />
-            <el-option label="已结算" value="settled" />
+        <el-form-item label="订单状态">
+          <el-select v-model="query.status" clearable placeholder="全部" style="width: 140px">
+            <el-option label="已完成" value="completed" />
+            <el-option label="使用中" value="renting" />
+            <el-option label="申诉中" value="disputing" />
+            <el-option label="已关闭" value="closed" />
+          </el-select>
+        </el-form-item>
+        <el-form-item label="释放状态">
+          <el-select
+            v-model="query.financialStatus"
+            clearable
+            placeholder="全部"
+            style="width: 140px"
+          >
+            <el-option label="待释放" value="pending" />
+            <el-option label="已释放入账" value="settled" />
           </el-select>
         </el-form-item>
         <el-form-item>
@@ -127,53 +146,62 @@ onMounted(async () => {
     <el-card shadow="never" style="margin-top: 16px">
       <el-table v-loading="loading" :data="orders" stripe style="width: 100%">
         <el-table-column label="订单号" prop="order_no" min-width="160" />
-        <el-table-column label="分销站点" min-width="140">
+        <el-table-column label="分销站点" min-width="130">
           <template #default="{ row }">
             <el-tag size="small">{{ getSiteName(row.site_id) }}</el-tag>
           </template>
         </el-table-column>
-        <el-table-column label="模式" width="90" align="center">
+        <el-table-column label="模式" min-width="140">
           <template #default="{ row }">
-            <el-tag type="info" size="small">
-              {{ modeMap[row.distribution_mode] || row.distribution_mode }}
-            </el-tag>
+            {{ distributionModeLabel(row.distribution_mode) }}
           </template>
         </el-table-column>
-        <el-table-column label="订单实付" min-width="110" align="right">
+        <el-table-column label="净付款" min-width="100" align="right">
           <template #default="{ row }">
             <strong>{{ formatCent(row.net_paid_amount_cent) }}</strong>
           </template>
         </el-table-column>
-        <el-table-column label="渠道手续费" min-width="100" align="right">
+        <el-table-column label="分站加价" min-width="100" align="right">
           <template #default="{ row }">
-            {{ formatCent(row.payment_fee_cent) }}
+            {{ formatCent(row.markup_amount_cent) }}
           </template>
         </el-table-column>
-        <el-table-column label="固定服务费" min-width="100" align="right">
+        <el-table-column label="利润基数" min-width="100" align="right">
+          <template #default="{ row }">
+            {{ formatCent(row.split_base_amount_cent) }}
+          </template>
+        </el-table-column>
+        <el-table-column label="通道费" min-width="110" align="right">
+          <template #default="{ row }">
+            <div>{{ formatCent(row.payment_fee_cent) }}</div>
+            <small class="muted">主站承担</small>
+          </template>
+        </el-table-column>
+        <el-table-column label="服务费" min-width="90" align="right">
           <template #default="{ row }">
             {{ formatCent(row.service_fee_cent) }}
           </template>
         </el-table-column>
-        <el-table-column label="税费" min-width="90" align="right">
-          <template #default="{ row }">
-            {{ formatCent(row.tax_amount_cent) }}
-          </template>
-        </el-table-column>
-        <el-table-column label="订单状态" width="100" align="center">
+        <el-table-column label="订单状态" width="110" align="center">
           <template #default="{ row }">
             <el-tag :type="row.status === 'completed' ? 'success' : 'warning'" size="small">
-              {{ row.status }}
+              {{ orderStatusLabel(row.status) }}
             </el-tag>
           </template>
         </el-table-column>
-        <el-table-column label="结算状态" width="100" align="center">
+        <el-table-column label="退款" width="110" align="center">
           <template #default="{ row }">
-            <el-tag :type="row.settlement_status === 'settled' ? 'success' : 'info'" size="small">
-              {{ row.settlement_status === 'settled' ? '已结算' : '待结算' }}
+            <span>{{ refundStatusLabel(row.refund_status) }}</span>
+          </template>
+        </el-table-column>
+        <el-table-column label="分销入账" min-width="120" align="center">
+          <template #default="{ row }">
+            <el-tag :type="distributorReleaseLabel(row).type" size="small">
+              {{ distributorReleaseLabel(row).label }}
             </el-tag>
           </template>
         </el-table-column>
-        <el-table-column label="创建时间" min-width="160">
+        <el-table-column label="下单时间" min-width="160">
           <template #default="{ row }">
             {{ formatDateTime(row.created_at) }}
           </template>
@@ -215,6 +243,7 @@ onMounted(async () => {
   font-size: 13px;
   color: #6b7280;
   margin: 0;
+  max-width: 720px;
 }
 
 .filter-card {
@@ -226,4 +255,9 @@ onMounted(async () => {
   justify-content: flex-end;
   margin-top: 16px;
 }
+
+.muted {
+  color: #9ca3af;
+  font-size: 12px;
+}
 </style>
diff --git a/frontend/src/features/admin/views/AdminDistributionRulesView.vue b/frontend/src/features/admin/views/AdminDistributionRulesView.vue
index aab861a..111aeb2 100644
--- a/frontend/src/features/admin/views/AdminDistributionRulesView.vue
+++ b/frontend/src/features/admin/views/AdminDistributionRulesView.vue
@@ -1,26 +1,49 @@
 <script setup lang="ts">
-import { ref, onMounted } from 'vue'
+import { ref, reactive, computed, onMounted } from 'vue'
 import { ElMessage } from 'element-plus'
+import { Plus } from '@element-plus/icons-vue'
 import {
   fetchDistributionRules,
   fetchDistributionSites,
   updateDistributionRuleStatus,
+  createDistributionRule,
   type DistributionRule,
   type DistributionSite,
+  type CreateRulePayload,
 } from '@/features/admin/api/adminDistribution'
+import {
+  DISTRIBUTION_MODES,
+  distributionModeLabel,
+  formatPaymentFeeBps,
+  formatServiceFee,
+  ruleSplitParts,
+} from '@/features/admin/utils/distributionLabels'
 import { formatDateTime } from '@/shared/utils/time'
 import { readError } from '@/shared/utils/error'
 
 const loading = ref(false)
 const sites = ref<DistributionSite[]>([])
 const selectedSiteId = ref<number | undefined>(undefined)
+const selectedMode = ref('')
 const rules = ref<DistributionRule[]>([])
 
-const modeMap: Record<string, string> = {
-  two_party_distributor_receive: '两方-分销收号',
-  two_party_platform_receive: '两方-分销卖出',
-  three_party: '三方分销',
-}
+const createVisible = ref(false)
+const creating = ref(false)
+const createForm = reactive({
+  site_id: undefined as number | undefined,
+  mode: 'two_party_distributor_receive',
+  receive_ratio: 35,
+  sell_ratio: 40,
+  service_fee_value: 25,
+  payment_fee_bps: 50,
+  tax_enabled: false,
+  tax_rate_bps: 100,
+  activate: true,
+})
+
+const createModeMeta = computed(
+  () => DISTRIBUTION_MODES.find(item => item.value === createForm.mode) ?? DISTRIBUTION_MODES[0]
+)
 
 async function loadSites() {
   try {
@@ -33,7 +56,10 @@ async function loadSites() {
 async function loadRules() {
   loading.value = true
   try {
-    rules.value = await fetchDistributionRules(selectedSiteId.value)
+    rules.value = await fetchDistributionRules(
+      selectedSiteId.value,
+      selectedMode.value || undefined
+    )
   } catch (err) {
     ElMessage.error(readError(err, '获取分销规则列表失败'))
   } finally {
@@ -41,6 +67,18 @@ async function loadRules() {
   }
 }
 
+function getSiteName(siteId?: number) {
+  if (!siteId) return '全局默认'
+  const site = sites.value.find(s => s.id === siteId)
+  return site ? `${site.site_name} (${site.site_code})` : `站点 #${siteId}`
+}
+
+function statusMeta(status: string) {
+  if (status === 'active') return { label: '生效中', type: 'success' as const }
+  if (status === 'draft') return { label: '草稿', type: 'info' as const }
+  return { label: '已停用', type: 'danger' as const }
+}
+
 async function handleToggleStatus(row: DistributionRule) {
   const next = row.status === 'active' ? 'disabled' : 'active'
   try {
@@ -52,10 +90,69 @@ async function handleToggleStatus(row: DistributionRule) {
   }
 }
 
-function getSiteName(siteId?: number) {
-  if (!siteId) return '全局默认'
-  const site = sites.value.find(s => s.id === siteId)
-  return site ? `${site.site_name} (${site.site_code})` : `站点 #${siteId}`
+function resetCreateForm() {
+  createForm.site_id = selectedSiteId.value
+  createForm.mode = selectedMode.value || 'two_party_distributor_receive'
+  createForm.receive_ratio = 35
+  createForm.sell_ratio = 40
+  createForm.service_fee_value = 25
+  createForm.payment_fee_bps = 50
+  createForm.tax_enabled = false
+  createForm.tax_rate_bps = 100
+  createForm.activate = true
+}
+
+function handleOpenCreate() {
+  resetCreateForm()
+  createVisible.value = true
+}
+
+function buildCreatePayload(): CreateRulePayload {
+  const payload: CreateRulePayload = {
+    site_id: createForm.site_id || undefined,
+    mode: createForm.mode,
+    service_fee_value: Number(createForm.service_fee_value),
+    service_fee_unit: 'percent',
+    payment_fee_bps: Number(createForm.payment_fee_bps),
+    tax_enabled: createForm.tax_enabled,
+    tax_rate_bps: createForm.tax_enabled ? Number(createForm.tax_rate_bps) : 100,
+  }
+  if (createForm.mode === 'two_party_distributor_receive') {
+    payload.distributor_receive_ratio = Number(createForm.receive_ratio)
+    payload.platform_sell_ratio = Number(createForm.sell_ratio)
+  } else if (createForm.mode === 'two_party_platform_receive') {
+    payload.platform_receive_ratio = Number(createForm.receive_ratio)
+    payload.distributor_sell_ratio = Number(createForm.sell_ratio)
+  } else {
+    payload.distributor_a_ratio = Number(createForm.receive_ratio)
+    payload.distributor_b_ratio = Number(createForm.sell_ratio)
+  }
+  return payload
+}
+
+async function handleCreate() {
+  const total =
+    Number(createForm.receive_ratio) +
+    Number(createForm.sell_ratio) +
+    Number(createForm.service_fee_value)
+  if (Math.abs(total - 100) > 0.05) {
+    ElMessage.warning(`收号 + 卖出 + 服务费应为 100%，当前为 ${total}%`)
+    return
+  }
+  creating.value = true
+  try {
+    const created = await createDistributionRule(buildCreatePayload())
+    if (createForm.activate) {
+      await updateDistributionRuleStatus(created.id, 'active')
+    }
+    ElMessage.success(createForm.activate ? '规则已创建并启用' : '规则草稿已创建')
+    createVisible.value = false
+    await loadRules()
+  } catch (err) {
+    ElMessage.error(readError(err, '创建分销规则失败'))
+  } finally {
+    creating.value = false
+  }
 }
 
 onMounted(async () => {
@@ -70,15 +167,15 @@ onMounted(async () => {
       <div>
         <h2 class="page-title">分销规则配置</h2>
         <p class="page-subtitle">
-          配置与维护各分销站点的佣金分成比例、单笔服务费、支付通道手续费与税费规则。
+          按模式配置利润分成。利润 = 净付款 − 号主 − 加价；通道费由主站承担，只记账不进分成。
         </p>
       </div>
       <div class="header-filters">
         <el-select
           v-model="selectedSiteId"
           clearable
-          placeholder="按分销站点筛选"
-          style="width: 240px"
+          placeholder="全部站点（含全局）"
+          style="width: 220px"
           @change="loadRules"
         >
           <el-option
@@ -88,44 +185,75 @@ onMounted(async () => {
             :value="site.id"
           />
         </el-select>
+        <el-select
+          v-model="selectedMode"
+          clearable
+          placeholder="全部分销模式"
+          style="width: 200px"
+          @change="loadRules"
+        >
+          <el-option
+            v-for="item in DISTRIBUTION_MODES"
+            :key="item.value"
+            :label="item.label"
+            :value="item.value"
+          />
+        </el-select>
+        <el-button type="primary" :icon="Plus" @click="handleOpenCreate">新建规则</el-button>
       </div>
     </div>
 
+    <el-alert
+      type="info"
+      :closable="false"
+      show-icon
+      class="rules-alert"
+      title="默认 35% 收号 / 40% 卖出 / 25% 服务费。站点专属规则优先于全局默认；通道费默认 0.5%，从主站服务费与角色分成中承担。"
+    />
+
     <el-card shadow="never">
       <el-table v-loading="loading" :data="rules" stripe style="width: 100%">
-        <el-table-column label="适用站点" min-width="160">
+        <el-table-column label="适用站点" min-width="170">
           <template #default="{ row }">
             <el-tag :type="row.site_id ? 'primary' : 'info'" size="small">
               {{ getSiteName(row.site_id) }}
             </el-tag>
           </template>
         </el-table-column>
-        <el-table-column label="分销模式" prop="mode" min-width="140">
+        <el-table-column label="分销模式" min-width="160">
           <template #default="{ row }">
-            {{ modeMap[row.mode] || row.mode }}
+            <div class="mode-cell">
+              <strong>{{ distributionModeLabel(row.mode) }}</strong>
+              <small>v{{ row.version }}</small>
+            </div>
           </template>
         </el-table-column>
-        <el-table-column label="版本号" prop="version" width="80" align="center">
-          <template #default="{ row }"> v{{ row.version }} </template>
+        <el-table-column label="利润分成" min-width="280">
+          <template #default="{ row }">
+            <div class="split-cell">
+              <span v-for="part in ruleSplitParts(row)" :key="part.label" class="split-chip">
+                {{ part.label }} <strong>{{ part.value }}</strong>
+              </span>
+              <span class="split-chip service"
+                >服务费 <strong>{{ formatServiceFee(row) }}</strong></span
+              >
+            </div>
+          </template>
         </el-table-column>
-        <el-table-column label="分销商收号分成" min-width="130" align="right">
-          <template #default="{ row }"> {{ row.distributor_receive_ratio }}% </template>
+        <el-table-column label="通道费" min-width="140">
+          <template #default="{ row }">
+            <div class="fee-cell">
+              <span>{{ formatPaymentFeeBps(row.payment_fee_bps) }}</span>
+              <small>主站承担</small>
+            </div>
+          </template>
         </el-table-column>
-        <el-table-column label="平台卖号分成" min-width="120" align="right">
-          <template #default="{ row }"> {{ row.platform_sell_ratio }}% </template>
-        </el-table-column>
-        <el-table-column label="服务费" min-width="110" align="right">
-          <template #default="{ row }"> {{ row.service_fee_value }}% </template>
-        </el-table-column>
-        <el-table-column label="支付手续费" min-width="110" align="right">
-          <template #default="{ row }"> {{ row.payment_fee_bps / 100 }}% </template>
-        </el-table-column>
-        <el-table-column label="税费率" min-width="100" align="center">
+        <el-table-column label="税费" min-width="100" align="center">
           <template #default="{ row }">
             <el-tag v-if="row.tax_enabled" type="warning" size="small">
               {{ row.tax_rate_bps / 100 }}%
             </el-tag>
-            <el-tag v-else type="info" size="small">免税</el-tag>
+            <el-tag v-else type="info" size="small">关闭</el-tag>
           </template>
         </el-table-column>
         <el-table-column label="生效时间" min-width="160">
@@ -135,8 +263,8 @@ onMounted(async () => {
         </el-table-column>
         <el-table-column label="状态" width="100" align="center">
           <template #default="{ row }">
-            <el-tag :type="row.status === 'active' ? 'success' : 'danger'" size="small">
-              {{ row.status === 'active' ? '生效中' : '已停用' }}
+            <el-tag :type="statusMeta(row.status).type" size="small">
+              {{ statusMeta(row.status).label }}
             </el-tag>
           </template>
         </el-table-column>
@@ -153,6 +281,101 @@ onMounted(async () => {
         </el-table-column>
       </el-table>
     </el-card>
+
+    <el-dialog v-model="createVisible" title="新建分销规则" width="560px" destroy-on-close>
+      <el-alert
+        :closable="false"
+        type="info"
+        show-icon
+        :title="`${createModeMeta?.label}：${createModeMeta?.hint}。分成三项合计应为 100%。`"
+        style="margin-bottom: 16px"
+      />
+      <el-form :model="createForm" label-width="120px">
+        <el-form-item label="适用站点">
+          <el-select
+            v-model="createForm.site_id"
+            clearable
+            placeholder="全局默认"
+            style="width: 100%"
+          >
+            <el-option
+              v-for="site in sites"
+              :key="site.id"
+              :label="`${site.site_name} (${site.site_code})`"
+              :value="site.id"
+            />
+          </el-select>
+        </el-form-item>
+        <el-form-item label="分销模式">
+          <el-select v-model="createForm.mode" style="width: 100%">
+            <el-option
+              v-for="item in DISTRIBUTION_MODES"
+              :key="item.value"
+              :label="`${item.label}（${item.hint}）`"
+              :value="item.value"
+            />
+          </el-select>
+        </el-form-item>
+        <el-form-item :label="createForm.mode === 'three_party' ? '收号站分成' : '收号分成'">
+          <el-input-number
+            v-model="createForm.receive_ratio"
+            :min="0"
+            :max="100"
+            :step="0.5"
+            style="width: 100%"
+          />
+        </el-form-item>
+        <el-form-item :label="createForm.mode === 'three_party' ? '卖出站分成' : '卖出分成'">
+          <el-input-number
+            v-model="createForm.sell_ratio"
+            :min="0"
+            :max="100"
+            :step="0.5"
+            style="width: 100%"
+          />
+        </el-form-item>
+        <el-form-item label="平台服务费">
+          <el-input-number
+            v-model="createForm.service_fee_value"
+            :min="0"
+            :max="100"
+            :step="0.5"
+            style="width: 100%"
+          />
+        </el-form-item>
+        <el-form-item label="通道费率 BPS">
+          <el-input-number
+            v-model="createForm.payment_fee_bps"
+            :min="0"
+            :max="10000"
+            :step="1"
+            style="width: 100%"
+          />
+          <div class="form-hint">
+            当前 {{ formatPaymentFeeBps(createForm.payment_fee_bps) }}，由主站承担，不从利润里扣。
+          </div>
+        </el-form-item>
+        <el-form-item label="征收税费">
+          <el-switch v-model="createForm.tax_enabled" />
+        </el-form-item>
+        <el-form-item v-if="createForm.tax_enabled" label="税费率 BPS">
+          <el-input-number
+            v-model="createForm.tax_rate_bps"
+            :min="0"
+            :max="10000"
+            :step="1"
+            style="width: 100%"
+          />
+        </el-form-item>
+        <el-form-item label="立即启用">
+          <el-switch v-model="createForm.activate" />
+        </el-form-item>
+      </el-form>
+      <template #footer>
+        <el-button @click="createVisible = false">取消</el-button>
+        <el-button type="primary" :loading="creating" @click="handleCreate">保存规则</el-button>
+      </template>
+    </el-dialog>
   </div>
 </template>
 
@@ -165,7 +388,8 @@ onMounted(async () => {
   display: flex;
   justify-content: space-between;
   align-items: center;
-  margin-bottom: 20px;
+  margin-bottom: 16px;
+  gap: 16px;
 }
 
 .page-title {
@@ -180,4 +404,65 @@ onMounted(async () => {
   color: #6b7280;
   margin: 0;
 }
+
+.header-filters {
+  display: flex;
+  gap: 12px;
+  flex-shrink: 0;
+}
+
+.rules-alert {
+  margin-bottom: 16px;
+}
+
+.mode-cell {
+  display: flex;
+  flex-direction: column;
+  gap: 2px;
+}
+
+.mode-cell small {
+  color: #9ca3af;
+  font-size: 12px;
+}
+
+.split-cell {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 6px;
+}
+
+.split-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  padding: 2px 8px;
+  border-radius: 999px;
+  background: #f3f4f6;
+  color: #374151;
+  font-size: 12px;
+}
+
+.split-chip.service {
+  background: #eff6ff;
+  color: #1d4ed8;
+}
+
+.fee-cell {
+  display: flex;
+  flex-direction: column;
+  gap: 2px;
+}
+
+.fee-cell small {
+  color: #9ca3af;
+  font-size: 12px;
+}
+
+.form-hint {
+  margin-top: 4px;
+  color: #6b7280;
+  font-size: 12px;
+  line-height: 1.4;
+}
 </style>
diff --git a/frontend/src/features/admin/views/AdminDistributionSettlementsView.vue b/frontend/src/features/admin/views/AdminDistributionSettlementsView.vue
index 90a7e86..24ac9d2 100644
--- a/frontend/src/features/admin/views/AdminDistributionSettlementsView.vue
+++ b/frontend/src/features/admin/views/AdminDistributionSettlementsView.vue
@@ -12,6 +12,10 @@ import {
   type DistributionSettlementItem,
   type DistributionSite,
 } from '@/features/admin/api/adminDistribution'
+import {
+  distributionPartyRoleLabel,
+  settlementBatchKind,
+} from '@/features/admin/utils/distributionLabels'
 import { formatCent } from '@/shared/utils/money'
 import { formatDateTime } from '@/shared/utils/time'
 import { readError } from '@/shared/utils/error'
@@ -33,6 +37,8 @@ const itemsLoading = ref(false)
 const currentBatch = ref<DistributionSettlementBatch | null>(null)
 const items = ref<DistributionSettlementItem[]>([])
 
+const selectedSite = () => sites.value.find(site => site.id === selectedSiteId.value)
+
 async function loadSites() {
   try {
     const list = await fetchDistributionSites()
@@ -73,7 +79,7 @@ async function handleCreateBatch() {
   creating.value = true
   try {
     await createDistributionSettlementBatch(createForm.site_id, start, end)
-    ElMessage.success('结算批次生成成功')
+    ElMessage.success('人工结算批次已生成，可立即释放入账')
     createDialogVisible.value = false
     await loadBatches()
   } catch (err) {
@@ -86,12 +92,12 @@ async function handleCreateBatch() {
 async function handleSettle(row: DistributionSettlementBatch) {
   try {
     await ElMessageBox.confirm(
-      `确定将结算批次 ${row.batch_no} 标记为已打款结算吗？结算总额为 ${formatCent(row.total_amount_cent)}。`,
-      '确认结算',
-      { type: 'warning', confirmButtonText: '确认标记已结算', cancelButtonText: '取消' }
+      `确认将批次 ${row.batch_no} 的 ${formatCent(row.total_amount_cent)} 立即转入站点可提现余额？人工批次会绕过冷却期。`,
+      '立即释放入账',
+      { type: 'warning', confirmButtonText: '确认入账', cancelButtonText: '取消' }
     )
     await settleDistributionBatch(row.id)
-    ElMessage.success('批次已成功标记为已结算')
+    ElMessage.success('批次已释放到站点可提现余额')
     await loadBatches()
   } catch {
     // cancelled or error handled
@@ -111,6 +117,13 @@ async function handleViewItems(row: DistributionSettlementBatch) {
   }
 }
 
+function batchStatus(row: DistributionSettlementBatch) {
+  if (row.status === 'settled') return { label: '已释放入账', type: 'success' as const }
+  if (row.status === 'pending' || row.status === 'draft')
+    return { label: '待入账', type: 'warning' as const }
+  return { label: row.status, type: 'info' as const }
+}
+
 onMounted(() => {
   loadSites()
 })
@@ -120,9 +133,9 @@ onMounted(() => {
   <div class="distribution-settlements-view">
     <div class="page-header">
       <div>
-        <h2 class="page-title">分销结算管理</h2>
+        <h2 class="page-title">分销结算对账</h2>
         <p class="page-subtitle">
-          按周期汇总各合作分销站点的佣金分成批次，并执行最终结算出款确认。
+          冷却期满后系统按站点按天自动出对账单并入账。人工批次用于立即结算，不经过冷却期。
         </p>
       </div>
       <div class="header-actions">
@@ -139,38 +152,48 @@ onMounted(() => {
             :value="site.id"
           />
         </el-select>
-        <el-button type="primary" :icon="Plus" @click="handleOpenCreate"> 生成结算批次 </el-button>
+        <el-button type="primary" :icon="Plus" @click="handleOpenCreate"> 生成人工批次 </el-button>
       </div>
     </div>
 
+    <el-alert
+      type="info"
+      :closable="false"
+      show-icon
+      class="settlement-alert"
+      :title="`当前站点冷却期 ${selectedSite()?.settlement_hold_days ?? 7} 天。DA 开头为自动释放对账单，DS 开头为人工立即结算。`"
+    />
+
     <el-card shadow="never">
       <el-table v-loading="loading" :data="batches" stripe style="width: 100%">
-        <el-table-column label="结算批次号" prop="batch_no" min-width="180" />
-        <el-table-column label="周期开始时间" min-width="160">
+        <el-table-column label="批次号" prop="batch_no" min-width="200">
           <template #default="{ row }">
-            {{ formatDateTime(row.period_start) }}
+            <div class="batch-no-cell">
+              <code>{{ row.batch_no }}</code>
+              <el-tag :type="settlementBatchKind(row.batch_no).type" size="small">
+                {{ settlementBatchKind(row.batch_no).label }}
+              </el-tag>
+            </div>
           </template>
         </el-table-column>
-        <el-table-column label="周期结束时间" min-width="160">
+        <el-table-column label="对账周期" min-width="220">
           <template #default="{ row }">
-            {{ formatDateTime(row.period_end) }}
+            {{ formatDateTime(row.period_start) }} ~ {{ formatDateTime(row.period_end) }}
           </template>
         </el-table-column>
-        <el-table-column label="应结总金额" min-width="140" align="right">
+        <el-table-column label="入账金额" min-width="130" align="right">
           <template #default="{ row }">
-            <strong style="color: #67c23a; font-size: 15px">
-              {{ formatCent(row.total_amount_cent) }}
-            </strong>
+            <strong class="amount">{{ formatCent(row.total_amount_cent) }}</strong>
           </template>
         </el-table-column>
-        <el-table-column label="批次状态" width="120" align="center">
+        <el-table-column label="状态" width="120" align="center">
           <template #default="{ row }">
-            <el-tag :type="row.status === 'settled' ? 'success' : 'warning'" size="small">
-              {{ row.status === 'settled' ? '已打款' : '待结算' }}
+            <el-tag :type="batchStatus(row).type" size="small">
+              {{ batchStatus(row).label }}
             </el-tag>
           </template>
         </el-table-column>
-        <el-table-column label="操作" width="160" fixed="right">
+        <el-table-column label="操作" width="180" fixed="right">
           <template #default="{ row }">
             <el-button link type="primary" @click="handleViewItems(row)">查看明细</el-button>
             <el-button
@@ -179,20 +202,26 @@ onMounted(() => {
               type="success"
               @click="handleSettle(row)"
             >
-              打款结算
+              立即释放入账
             </el-button>
           </template>
         </el-table-column>
       </el-table>
     </el-card>
 
-    <!-- 生成结算批次对话框 -->
     <el-dialog
       v-model="createDialogVisible"
-      title="生成分销结算批次"
-      width="500px"
+      title="生成人工结算批次"
+      width="520px"
       destroy-on-close
     >
+      <el-alert
+        type="warning"
+        :closable="false"
+        show-icon
+        title="人工批次会把周期内尚未入账的分站份额立即结算，不走冷却期。"
+        style="margin-bottom: 16px"
+      />
       <el-form label-width="100px">
         <el-form-item label="分销站点">
           <el-select v-model="createForm.site_id" style="width: 100%">
@@ -219,29 +248,32 @@ onMounted(() => {
       <template #footer>
         <el-button @click="createDialogVisible = false">取消</el-button>
         <el-button type="primary" :loading="creating" @click="handleCreateBatch">
-          立即结算汇总
+          生成批次
         </el-button>
       </template>
     </el-dialog>
 
-    <!-- 结算条目明细对话框 -->
     <el-dialog
       v-model="itemsDialogVisible"
-      :title="`结算批次明细 (${currentBatch?.batch_no})`"
-      width="650px"
+      :title="`批次明细（${currentBatch?.batch_no}）`"
+      width="680px"
     >
       <el-table v-loading="itemsLoading" :data="items" size="small" border>
         <el-table-column label="订单 ID" prop="order_id" width="100" />
-        <el-table-column label="分成角色" prop="party_role" min-width="150" />
-        <el-table-column label="应分金额" min-width="120" align="right">
+        <el-table-column label="分成角色" min-width="140">
+          <template #default="{ row }">
+            {{ distributionPartyRoleLabel(row.party_role) }}
+          </template>
+        </el-table-column>
+        <el-table-column label="入账金额" min-width="120" align="right">
           <template #default="{ row }">
             <strong>{{ formatCent(row.amount_cent) }}</strong>
           </template>
         </el-table-column>
-        <el-table-column label="状态" prop="status" width="100" align="center">
+        <el-table-column label="状态" width="110" align="center">
           <template #default="{ row }">
             <el-tag :type="row.status === 'settled' ? 'success' : 'info'" size="small">
-              {{ row.status }}
+              {{ row.status === 'settled' ? '已入账' : '待入账' }}
             </el-tag>
           </template>
         </el-table-column>
@@ -262,7 +294,8 @@ onMounted(() => {
   display: flex;
   justify-content: space-between;
   align-items: center;
-  margin-bottom: 20px;
+  margin-bottom: 16px;
+  gap: 16px;
 }
 
 .page-title {
@@ -276,10 +309,31 @@ onMounted(() => {
   font-size: 13px;
   color: #6b7280;
   margin: 0;
+  max-width: 640px;
 }
 
 .header-actions {
   display: flex;
   gap: 12px;
+  flex-shrink: 0;
+}
+
+.settlement-alert {
+  margin-bottom: 16px;
+}
+
+.batch-no-cell {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+
+.batch-no-cell code {
+  font-size: 13px;
+}
+
+.amount {
+  color: #16a34a;
+  font-size: 15px;
 }
 </style>
diff --git a/frontend/src/features/admin/views/AdminDistributionSitesView.vue b/frontend/src/features/admin/views/AdminDistributionSitesView.vue
index c828e57..67b0c35 100644
--- a/frontend/src/features/admin/views/AdminDistributionSitesView.vue
+++ b/frontend/src/features/admin/views/AdminDistributionSitesView.vue
@@ -66,6 +66,7 @@ const onboardForm = reactive({
   distributor_receive_ratio: 35,
   platform_sell_ratio: 40,
   service_fee_value: 25,
+  settlement_hold_days: 7,
   display_account_enabled: true,
   tax_enabled: false,
   tax_rate_bps: 100,
@@ -107,6 +108,7 @@ function handleOpenOnboard() {
   onboardForm.distributor_receive_ratio = 35
   onboardForm.platform_sell_ratio = 40
   onboardForm.service_fee_value = 25
+  onboardForm.settlement_hold_days = 7
   onboardForm.display_account_enabled = true
   onboardForm.tax_enabled = false
   onboardForm.tax_rate_bps = 100
@@ -130,6 +132,7 @@ async function handleOnboardSubmit() {
         distributor_receive_ratio: Number(onboardForm.distributor_receive_ratio),
         platform_sell_ratio: Number(onboardForm.platform_sell_ratio),
         service_fee_value: Number(onboardForm.service_fee_value),
+        settlement_hold_days: Number(onboardForm.settlement_hold_days),
         display_account_enabled: onboardForm.display_account_enabled,
         tax_enabled: onboardForm.tax_enabled,
         tax_rate_bps: onboardForm.tax_enabled ? onboardForm.tax_rate_bps : 0,
@@ -186,7 +189,8 @@ onMounted(() => {
       <div>
         <h2 class="page-title">分销站点管理</h2>
         <p class="page-subtitle">
-          统一管理全平台合作分销站点，支持一键开通分销商、初始化管理员账号及专属佣金费率。
+          开通分销站、配置结算冷却期。利润按 35% 收号 / 40% 卖出 / 25%
+          服务费切分，通道费由主站承担。
         </p>
       </div>
       <div class="header-actions">
@@ -321,10 +325,17 @@ onMounted(() => {
           </el-col>
         </el-row>
 
-        <div class="form-section-title">3. 佣金比例与费率初始化</div>
+        <div class="form-section-title">3. 分站收号规则与冷却期</div>
+        <el-alert
+          type="info"
+          :closable="false"
+          show-icon
+          title="此处只生成「两方 · 分站收号」草稿。利润 = 净付款 − 号主 − 加价；通道费 0.5% 由主站承担。另外两种模式请到规则页按全局默认启用或单独配置。"
+          style="margin-bottom: 12px"
+        />
         <el-row :gutter="16">
           <el-col :span="12">
-            <el-form-item label="收号分成比例 (%)">
+            <el-form-item label="分站收号分成 (%)">
               <el-input-number
                 v-model="onboardForm.distributor_receive_ratio"
                 :min="0"
@@ -335,7 +346,7 @@ onMounted(() => {
             </el-form-item>
           </el-col>
           <el-col :span="12">
-            <el-form-item label="平台卖号分成 (%)">
+            <el-form-item label="主站卖出分成 (%)">
               <el-input-number
                 v-model="onboardForm.platform_sell_ratio"
                 :min="0"
@@ -358,15 +369,30 @@ onMounted(() => {
               />
             </el-form-item>
           </el-col>
+          <el-col :span="12">
+            <el-form-item label="结算冷却期 (天)">
+              <el-input-number
+                v-model="onboardForm.settlement_hold_days"
+                :min="0"
+                :max="365"
+                :step="1"
+                style="width: 100%"
+              />
+            </el-form-item>
+          </el-col>
+        </el-row>
+        <el-row :gutter="16">
           <el-col :span="12">
             <el-form-item label="展示主站账号">
               <el-switch v-model="onboardForm.display_account_enabled" />
             </el-form-item>
           </el-col>
+          <el-col :span="12">
+            <el-form-item label="是否征税">
+              <el-switch v-model="onboardForm.tax_enabled" />
+            </el-form-item>
+          </el-col>
         </el-row>
-        <el-form-item label="是否征税">
-          <el-switch v-model="onboardForm.tax_enabled" />
-        </el-form-item>
       </el-form>
       <template #footer>
         <el-button @click="onboardDialogVisible = false">取消</el-button>
@@ -400,9 +426,12 @@ onMounted(() => {
             <code>http://{{ windowHost }}:5190/login</code>
           </el-descriptions-item>
           <el-descriptions-item label="初始规则">
-            收号分成: {{ onboardResult.rule.distributor_receive_ratio }}% · 卖号分成:
-            {{ onboardResult.rule.platform_sell_ratio }}% · 服务费:
-            {{ onboardResult.rule.service_fee_value }}%
+            分站收号 {{ onboardResult.rule.distributor_receive_ratio }}% · 主站卖出
+            {{ onboardResult.rule.platform_sell_ratio }}% · 服务费
+            {{ onboardResult.rule.service_fee_value }}%（草稿，通道费主站承担）
+          </el-descriptions-item>
+          <el-descriptions-item label="结算冷却期">
+            {{ onboardResult.site.settlement_hold_days }} 天
           </el-descriptions-item>
         </el-descriptions>
       </div>
diff --git a/frontend/src/layouts/AdminLayout.vue b/frontend/src/layouts/AdminLayout.vue
index 5e2ab72..d8211f2 100644
--- a/frontend/src/layouts/AdminLayout.vue
+++ b/frontend/src/layouts/AdminLayout.vue
@@ -158,7 +158,7 @@ const allNavGroups: NavGroup[] = [
         permission: 'distribution:order_view',
       },
       {
-        label: '分销结算',
+        label: '结算对账',
         to: adminPath('distribution/settlements'),
         icon: Coin,
         permission: 'distribution:settlement_view',