用户管理增加余额调账功能

支持后台加减可用余额并写入资金流水与审计，优化操作列按钮样式。

backend/internal/modules/adminuser/dto.go

@@ -12,6 +12,8 @@ type UserDTO struct {
 	DepositFreeQuotaCent     int64      `json:"deposit_free_quota_cent"`
 	DepositFreeUsedCent      int64      `json:"deposit_free_used_cent"`
 	DepositFreeRemainingCent int64      `json:"deposit_free_remaining_cent"`
+	AvailableBalanceCent     int64      `json:"available_balance_cent"`
+	FrozenBalanceCent        int64      `json:"frozen_balance_cent"`
 	Status                   string     `json:"status"`
 	OrderCount               int64      `json:"order_count"`
 	ListingCount             int64      `json:"listing_count"`
@@ -38,6 +40,15 @@ type DepositFreeQuotaRequest struct {
 	AmountCent int64 `json:"amount_cent"`
 }
 
+// WalletAdjustRequest 后台人工调整用户可用余额。
+// Direction: in=加款 out=扣款；仅操作 available，不改 frozen。
+type WalletAdjustRequest struct {
+	Direction   string `json:"direction" binding:"required"`
+	AmountCent  int64  `json:"amount_cent" binding:"required"`
+	Reason      string `json:"reason" binding:"required"`
+	ReferenceNo string `json:"reference_no"`
+}
+
 // ListQuery 用户列表筛选条件。Keyword 同时匹配手机号/昵称（模糊）与用户 ID（精确）。
 type ListQuery struct {
 	Keyword             string

backend/internal/modules/adminuser/handler.go

@@ -163,6 +163,29 @@ func (h *Handler) ManualRealname(c *gin.Context) {
 	response.OK(c, item)
 }
 
+func (h *Handler) AdjustWallet(c *gin.Context) {
+	adminID, ok := currentAdminID(c)
+	if !ok {
+		response.Unauthorized(c, "缺少管理员上下文")
+		return
+	}
+	userID, ok := parseID(c)
+	if !ok {
+		return
+	}
+	var req WalletAdjustRequest
+	if err := c.ShouldBindJSON(&req); err != nil {
+		response.BadRequest(c, "余额调整参数不正确")
+		return
+	}
+	item, err := h.service.AdjustWallet(c.Request.Context(), adminID, userID, req, auditMeta(c))
+	if err != nil {
+		writeAdminUserError(c, err)
+		return
+	}
+	response.OK(c, item)
+}
+
 func currentAdminID(c *gin.Context) (uint64, bool) {
 	value, ok := c.Get(middleware.ContextAdminID)
 	if !ok {
@@ -201,6 +224,14 @@ func writeAdminUserError(c *gin.Context, err error) {
 		response.Error(c, http.StatusConflict, "realname_already_verified", "该用户已完成实名认证，如需修改请先撤销实名")
 	case errors.Is(err, ErrRealnameNotRevocable):
 		response.Error(c, http.StatusConflict, "realname_not_revocable", "该用户当前没有可撤销的实名信息")
+	case errors.Is(err, ErrInvalidWalletDirection):
+		response.BadRequest(c, "调账方向不正确，仅支持加款(in)或扣款(out)")
+	case errors.Is(err, ErrInvalidWalletAmount):
+		response.BadRequest(c, "调账金额不正确，需大于 0 且不超过 10 万元")
+	case errors.Is(err, ErrInvalidWalletReason):
+		response.BadRequest(c, "请填写 2-200 字的调账原因")
+	case errors.Is(err, ErrInsufficientBalance):
+		response.Error(c, http.StatusConflict, "insufficient_balance", "用户可用余额不足，无法扣款")
 	case IsNotFound(err):
 		response.Error(c, http.StatusNotFound, "not_found", "用户不存在")
 	default:

backend/internal/modules/adminuser/repository.go

@@ -3,12 +3,14 @@ package adminuser
 import (
 	"context"
 	"errors"
+	"fmt"
 	"strconv"
 	"strings"
 	"time"
 
 	"hfb_sys/backend/internal/auditlog"
 	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/wallet"
 	"hfb_sys/backend/pkg/crypto"
 
 	"gorm.io/gorm"
@@ -43,11 +45,14 @@ func (r *Repository) List(ctx context.Context, page, pageSize int, query ListQue
 			COALESCE(o.order_count, 0) AS order_count,
 			COALESCE(l.listing_count, 0) AS listing_count,
 			COALESCE(d.dispute_count, 0) AS dispute_count,
-				COALESCE(df.deposit_free_used_cent, 0) AS deposit_free_used_cent`).
+			COALESCE(df.deposit_free_used_cent, 0) AS deposit_free_used_cent,
+			COALESCE(w.available_balance_cent, 0) AS available_balance_cent,
+			COALESCE(w.frozen_balance_cent, 0) AS frozen_balance_cent`).
 		Joins("LEFT JOIN (SELECT user_id, COUNT(*) AS order_count FROM (SELECT renter_id AS user_id FROM rental_orders UNION ALL SELECT owner_id AS user_id FROM rental_orders) AS order_users GROUP BY user_id) AS o ON o.user_id = u.id").
 		Joins("LEFT JOIN (SELECT owner_id AS user_id, COUNT(*) AS listing_count FROM rental_listings GROUP BY owner_id) AS l ON l.user_id = u.id").
 		Joins("LEFT JOIN (SELECT user_id, COUNT(*) AS dispute_count FROM (SELECT initiator_id AS user_id FROM disputes UNION ALL SELECT target_user_id AS user_id FROM disputes) AS dispute_users GROUP BY user_id) AS d ON d.user_id = u.id").
-		Joins("LEFT JOIN (SELECT renter_id AS user_id, SUM(deposit_waived_amount_cent) AS deposit_free_used_cent FROM rental_orders WHERE status NOT IN ('completed', 'cancelled', 'closed') GROUP BY renter_id) AS df ON df.user_id = u.id")
+		Joins("LEFT JOIN (SELECT renter_id AS user_id, SUM(deposit_waived_amount_cent) AS deposit_free_used_cent FROM rental_orders WHERE status NOT IN ('completed', 'cancelled', 'closed') GROUP BY renter_id) AS df ON df.user_id = u.id").
+		Joins("LEFT JOIN wallet_accounts AS w ON w.user_id = u.id")
 	listTx = applyUserFilter(listTx, query)
 	err := listTx.
 		Order("u.id DESC").
@@ -270,11 +275,14 @@ func (r *Repository) Find(ctx context.Context, userID uint64) (*UserDTO, error)
 			COALESCE(o.order_count, 0) AS order_count,
 			COALESCE(l.listing_count, 0) AS listing_count,
 			COALESCE(d.dispute_count, 0) AS dispute_count,
-				COALESCE(df.deposit_free_used_cent, 0) AS deposit_free_used_cent`).
+			COALESCE(df.deposit_free_used_cent, 0) AS deposit_free_used_cent,
+			COALESCE(w.available_balance_cent, 0) AS available_balance_cent,
+			COALESCE(w.frozen_balance_cent, 0) AS frozen_balance_cent`).
 		Joins("LEFT JOIN (SELECT user_id, COUNT(*) AS order_count FROM (SELECT renter_id AS user_id FROM rental_orders UNION ALL SELECT owner_id AS user_id FROM rental_orders) AS order_users GROUP BY user_id) AS o ON o.user_id = u.id").
 		Joins("LEFT JOIN (SELECT owner_id AS user_id, COUNT(*) AS listing_count FROM rental_listings GROUP BY owner_id) AS l ON l.user_id = u.id").
 		Joins("LEFT JOIN (SELECT user_id, COUNT(*) AS dispute_count FROM (SELECT initiator_id AS user_id FROM disputes UNION ALL SELECT target_user_id AS user_id FROM disputes) AS dispute_users GROUP BY user_id) AS d ON d.user_id = u.id").
 		Joins("LEFT JOIN (SELECT renter_id AS user_id, SUM(deposit_waived_amount_cent) AS deposit_free_used_cent FROM rental_orders WHERE status NOT IN ('completed', 'cancelled', 'closed') GROUP BY renter_id) AS df ON df.user_id = u.id").
+		Joins("LEFT JOIN wallet_accounts AS w ON w.user_id = u.id").
 		Where("u.id = ?", userID).
 		First(&row).Error
 	if err != nil {
@@ -284,12 +292,96 @@ func (r *Repository) Find(ctx context.Context, userID uint64) (*UserDTO, error)
 	return &dto, nil
 }
 
+// AdjustWallet 人工调整用户可用余额：写 wallet_ledger + 审计日志，同事务提交。
+func (r *Repository) AdjustWallet(ctx context.Context, adminID uint64, userID uint64, req WalletAdjustRequest, meta AuditMeta) (*UserDTO, error) {
+	direction := req.Direction
+	amountCent := req.AmountCent
+	reason := req.Reason
+	referenceNo := req.ReferenceNo
+
+	bizType := "admin_credit"
+	remarkPrefix := "人工加款"
+	if direction == "out" {
+		bizType = "admin_debit"
+		remarkPrefix = "人工扣款"
+	}
+	bizNo := fmt.Sprintf("ADJ%d%d", adminID, time.Now().UnixNano())
+	remark := remarkPrefix + ": " + reason
+	if referenceNo != "" {
+		remark = remark + " [" + referenceNo + "]"
+	}
+	if len([]rune(remark)) > 255 {
+		runes := []rune(remark)
+		remark = string(runes[:255])
+	}
+
+	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
+		var user model.User
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).First(&user, userID).Error; err != nil {
+			return err
+		}
+
+		// 确保钱包账户存在并锁定，读取调账前余额
+		if err := wallet.EnsureAccountTx(tx, userID); err != nil {
+			return err
+		}
+		var account model.WalletAccount
+		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).Where("user_id = ?", userID).First(&account).Error; err != nil {
+			return err
+		}
+		beforeAvailable := account.AvailableBalanceCent
+		beforeFrozen := account.FrozenBalanceCent
+
+		if err := wallet.AppendEntries(tx, wallet.Entry{
+			UserID:      userID,
+			Direction:   direction,
+			AmountCent:  amountCent,
+			BalanceType: "available",
+			BizType:     bizType,
+			BizNo:       bizNo,
+			Remark:      remark,
+		}); err != nil {
+			if errors.Is(err, wallet.ErrInsufficientBalance) {
+				return ErrInsufficientBalance
+			}
+			if errors.Is(err, wallet.ErrInvalidAmount) {
+				return ErrInvalidWalletAmount
+			}
+			return err
+		}
+
+		if err := tx.Where("user_id = ?", userID).First(&account).Error; err != nil {
+			return err
+		}
+
+		return appendAuditLog(tx, adminID, "admin_user.wallet_adjust", user.ID, meta, map[string]any{
+			"user_id":                 user.ID,
+			"direction":               direction,
+			"amount_cent":             amountCent,
+			"before_available_cent":   beforeAvailable,
+			"after_available_cent":    account.AvailableBalanceCent,
+			"before_frozen_cent":      beforeFrozen,
+			"after_frozen_cent":       account.FrozenBalanceCent,
+			"reason":                  reason,
+			"reference_no":            referenceNo,
+			"biz_type":                bizType,
+			"biz_no":                  bizNo,
+		})
+	})
+	if err != nil {
+		return nil, err
+	}
+	return r.Find(ctx, userID)
+}
+
 type userRow struct {
 	model.User
-	OrderCount          int64
-	ListingCount        int64
-	DisputeCount        int64
-	DepositFreeUsedCent int64
+	OrderCount           int64
+	ListingCount         int64
+	DisputeCount         int64
+	DepositFreeUsedCent  int64
+	AvailableBalanceCent int64
+	FrozenBalanceCent    int64
 }
 
 func (row userRow) toDTO() UserDTO {
@@ -307,6 +399,8 @@ func (row userRow) toDTO() UserDTO {
 		DepositFreeQuotaCent:     row.DepositFreeQuotaCent,
 		DepositFreeUsedCent:      row.DepositFreeUsedCent,
 		DepositFreeRemainingCent: remaining,
+		AvailableBalanceCent:     row.AvailableBalanceCent,
+		FrozenBalanceCent:        row.FrozenBalanceCent,
 		Status:                   row.Status,
 		OrderCount:               row.OrderCount,
 		ListingCount:             row.ListingCount,

backend/internal/modules/adminuser/repository_test.go

@@ -164,6 +164,92 @@ func TestManualRealnameRejectsVerifiedUser(t *testing.T) {
 	}
 }
 
+func TestAdjustWalletDebitAndAudit(t *testing.T) {
+	db := setupAdminUserTestDB(t)
+	user := model.User{
+		Phone:          "13900000003",
+		Nickname:       "有余额用户",
+		RealnameStatus: "verified",
+		Status:         "active",
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败：%v", err)
+	}
+	if err := db.Create(&model.WalletAccount{
+		UserID:               user.ID,
+		AvailableBalanceCent: 15000,
+		FrozenBalanceCent:    3000,
+		Status:               "active",
+	}).Error; err != nil {
+		t.Fatalf("创建钱包失败：%v", err)
+	}
+
+	repo := NewRepository(db)
+	got, err := repo.AdjustWallet(t.Context(), 88, user.ID, WalletAdjustRequest{
+		Direction:   "out",
+		AmountCent:  5000,
+		Reason:      "线下已转账核销",
+		ReferenceNo: "OFFLINE-001",
+	}, AuditMeta{IP: "127.0.0.1", UserAgent: "test", RequestID: "req-wallet-1"})
+	if err != nil {
+		t.Fatalf("AdjustWallet() error = %v", err)
+	}
+	if got.AvailableBalanceCent != 10000 {
+		t.Fatalf("可用余额 = %d, want 10000", got.AvailableBalanceCent)
+	}
+	if got.FrozenBalanceCent != 3000 {
+		t.Fatalf("冻结余额不应变化，got %d", got.FrozenBalanceCent)
+	}
+
+	var ledger model.WalletLedger
+	if err := db.Where("user_id = ? AND biz_type = ?", user.ID, "admin_debit").First(&ledger).Error; err != nil {
+		t.Fatalf("查询资金流水失败：%v", err)
+	}
+	if ledger.Direction != "out" || ledger.AmountCent != 5000 || ledger.BalanceType != "available" {
+		t.Fatalf("流水不正确：%+v", ledger)
+	}
+
+	var audit model.AuditLog
+	if err := db.Where("action = ?", "admin_user.wallet_adjust").First(&audit).Error; err != nil {
+		t.Fatalf("查询审计日志失败：%v", err)
+	}
+	if audit.ActorID != 88 || audit.BizID == nil || *audit.BizID != user.ID {
+		t.Fatalf("审计主体不正确：actor=%d biz=%v", audit.ActorID, audit.BizID)
+	}
+	detail := string(audit.Detail)
+	if !strings.Contains(detail, "线下已转账核销") || !strings.Contains(detail, "OFFLINE-001") {
+		t.Fatalf("审计详情缺少原因或外部单号：%s", detail)
+	}
+}
+
+func TestAdjustWalletInsufficientBalance(t *testing.T) {
+	db := setupAdminUserTestDB(t)
+	user := model.User{
+		Phone:  "13900000004",
+		Status: "active",
+	}
+	if err := db.Create(&user).Error; err != nil {
+		t.Fatalf("创建用户失败：%v", err)
+	}
+	if err := db.Create(&model.WalletAccount{
+		UserID:               user.ID,
+		AvailableBalanceCent: 100,
+		Status:               "active",
+	}).Error; err != nil {
+		t.Fatalf("创建钱包失败：%v", err)
+	}
+
+	repo := NewRepository(db)
+	_, err := repo.AdjustWallet(t.Context(), 1, user.ID, WalletAdjustRequest{
+		Direction:  "out",
+		AmountCent: 200,
+		Reason:     "超额扣款",
+	}, AuditMeta{})
+	if !errors.Is(err, ErrInsufficientBalance) {
+		t.Fatalf("AdjustWallet() error = %v, want ErrInsufficientBalance", err)
+	}
+}
+
 func setupAdminUserTestDB(t *testing.T) *gorm.DB {
 	t.Helper()
 	db, err := gorm.Open(sqlite.Open(":memory:"), &gorm.Config{})
@@ -177,6 +263,8 @@ func setupAdminUserTestDB(t *testing.T) *gorm.DB {
 		&model.RentalOrder{},
 		&model.RentalListing{},
 		&model.Dispute{},
+		&model.WalletAccount{},
+		&model.WalletLedger{},
 	); err != nil {
 		t.Fatalf("数据库迁移失败：%v", err)
 	}

backend/internal/modules/adminuser/service.go

@@ -13,8 +13,15 @@ var (
 	ErrInvalidRealnameInput    = errors.New("invalid realname input")
 	ErrRealnameAlreadyVerified = errors.New("realname already verified")
 	ErrRealnameNotRevocable    = errors.New("realname not revocable")
+	ErrInvalidWalletDirection  = errors.New("invalid wallet direction")
+	ErrInvalidWalletAmount     = errors.New("invalid wallet amount")
+	ErrInvalidWalletReason     = errors.New("invalid wallet reason")
+	ErrInsufficientBalance     = errors.New("insufficient balance")
 )
 
+// 单笔人工调账上限：10 万元，防止误填。
+const maxWalletAdjustAmountCent int64 = 10_000_000
+
 var manualRealnameIDPattern = regexp.MustCompile(`^\d{17}[\dXx]$`)
 
 type Service struct {
@@ -85,6 +92,29 @@ func (s *Service) ManualRealname(ctx context.Context, adminID uint64, userID uin
 	return s.repo.ManualRealname(ctx, adminID, userID, req, meta)
 }
 
+func (s *Service) AdjustWallet(ctx context.Context, adminID uint64, userID uint64, req WalletAdjustRequest, meta AuditMeta) (*UserDTO, error) {
+	if s.repo == nil {
+		return nil, ErrDependencyUnavailable
+	}
+	if userID == 0 {
+		return nil, ErrInvalidUser
+	}
+	direction := strings.TrimSpace(strings.ToLower(req.Direction))
+	if direction != "in" && direction != "out" {
+		return nil, ErrInvalidWalletDirection
+	}
+	if req.AmountCent <= 0 || req.AmountCent > maxWalletAdjustAmountCent {
+		return nil, ErrInvalidWalletAmount
+	}
+	if reasonLen := len([]rune(strings.TrimSpace(req.Reason))); reasonLen < 2 || reasonLen > 200 {
+		return nil, ErrInvalidWalletReason
+	}
+	req.Direction = direction
+	req.Reason = strings.TrimSpace(req.Reason)
+	req.ReferenceNo = strings.TrimSpace(req.ReferenceNo)
+	return s.repo.AdjustWallet(ctx, adminID, userID, req, meta)
+}
+
 func validManualRealname(name string, idNo string) bool {
 	name = strings.TrimSpace(name)
 	idNo = strings.TrimSpace(idNo)

backend/internal/modules/wallet/repository.go

@@ -165,6 +165,11 @@ func AppendEntries(tx *gorm.DB, entries ...Entry) error {
 }
 
 func ensureAccount(tx *gorm.DB, userID uint64) error {
+	return EnsureAccountTx(tx, userID)
+}
+
+// EnsureAccountTx 在事务内确保用户钱包账户存在（幂等）。
+func EnsureAccountTx(tx *gorm.DB, userID uint64) error {
 	account := model.WalletAccount{
 		UserID:               userID,
 		AvailableBalanceCent: 0,

backend/internal/router/router.go

@@ -531,6 +531,7 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 			adminRoutes.POST("/users/:id/deposit-free-quota", requirePerm("user:deposit_free"), adminUserHandler.SetDepositFreeQuota)
 			adminRoutes.POST("/users/:id/manual-realname", requirePerm("user:manual_realname"), adminUserHandler.ManualRealname)
 			adminRoutes.POST("/users/:id/revoke-realname", requirePerm("user:revoke_realname"), adminUserHandler.RevokeRealname)
+			adminRoutes.POST("/users/:id/wallet/adjust", requirePerm("user:wallet_adjust"), adminUserHandler.AdjustWallet)
 			adminRoutes.GET("/orders", requirePerm("order:view"), orderHandler.AdminList)
 			adminRoutes.GET("/listing-orders/:id/latest", requirePerm("order:view"), orderHandler.AdminLatestByListing)
 			adminRoutes.GET("/orders/:id", requirePerm("order:view"), orderHandler.AdminDetail)

backend/migrations/000026_user_wallet_adjust_permission.sql

@@ -0,0 +1,27 @@
+-- +goose Up
+
+-- 新增“调整用户余额”权限：线下打款核销、补偿加款等人工余额管理。
+INSERT INTO permissions (code, name, resource, action) VALUES
+('user:wallet_adjust', '调整用户余额', 'user', 'wallet_adjust')
+ON DUPLICATE KEY UPDATE
+  name = VALUES(name),
+  resource = VALUES(resource),
+  action = VALUES(action);
+
+-- super_admin 拥有全部权限，补授新权限。
+INSERT IGNORE INTO role_permissions (role_id, permission_id)
+SELECT r.id, p.id FROM roles r, permissions p
+WHERE r.code = 'super_admin' AND p.code = 'user:wallet_adjust';
+
+-- ops（运营）负责用户管理与客服补偿，授予余额调整权限。
+INSERT IGNORE INTO role_permissions (role_id, permission_id)
+SELECT r.id, p.id FROM roles r, permissions p
+WHERE r.code = 'ops' AND p.code = 'user:wallet_adjust';
+
+-- +goose Down
+
+DELETE rp FROM role_permissions rp
+JOIN permissions p ON p.id = rp.permission_id
+WHERE p.code = 'user:wallet_adjust';
+
+DELETE FROM permissions WHERE code = 'user:wallet_adjust';

frontend/src/features/admin/api/adminUsers.ts

@@ -13,6 +13,8 @@ export interface AdminUserItem {
   deposit_free_quota_cent: number
   deposit_free_used_cent: number
   deposit_free_remaining_cent: number
+  available_balance_cent: number
+  frozen_balance_cent: number
   status: UserStatus
   order_count: number
   listing_count: number
@@ -22,6 +24,13 @@ export interface AdminUserItem {
   updated_at: string
 }
 
+export interface AdminWalletAdjustPayload {
+  direction: 'in' | 'out'
+  amount_cent: number
+  reason: string
+  reference_no?: string
+}
+
 export interface AdminUserQuery {
   keyword?: string
   status?: '' | UserStatus
@@ -84,3 +93,16 @@ export async function manualAdminUserRealname(
   )
   return data.data
 }
+
+export async function adjustAdminUserWallet(id: number, payload: AdminWalletAdjustPayload) {
+  const { data } = await apiClient.post<ApiResponse<AdminUserItem>>(
+    `/admin/users/${id}/wallet/adjust`,
+    {
+      direction: payload.direction,
+      amount_cent: payload.amount_cent,
+      reason: payload.reason,
+      reference_no: payload.reference_no || undefined,
+    }
+  )
+  return data.data
+}

frontend/src/features/admin/views/AdminUsersView.vue

@@ -1,10 +1,11 @@
 <script setup lang="ts">
 import { readError } from '@/shared/utils/error'
-import { ElMessage } from 'element-plus'
+import { ElMessage, ElMessageBox } from 'element-plus'
 import { Search } from '@element-plus/icons-vue'
-import { reactive, ref } from 'vue'
+import { computed, reactive, ref } from 'vue'
 
 import {
+  adjustAdminUserWallet,
   fetchAdminUsers,
   freezeAdminUser,
   manualAdminUserRealname,
@@ -18,13 +19,18 @@ import { centToYuan, formatCent, yuanToCent } from '@/shared/utils/money'
 import { useAdminPaginatedTable } from '@/features/admin/composables/useAdminPaginatedTable'
 import { realnameStatusLabel, userStatusLabel } from '@/shared/utils/statusLabels'
 import { formatDateTime } from '@/shared/utils/time'
+import { useAdminSessionStore } from '@/stores/adminSession'
 import AdminTablePagination from '../components/AdminTablePagination.vue'
 
+const adminSession = useAdminSessionStore()
+const canAdjustWallet = computed(() => adminSession.hasPermission('user:wallet_adjust'))
+
 const submitting = ref(false)
 const activeUser = ref<AdminUserItem | null>(null)
 const quotaUser = ref<AdminUserItem | null>(null)
 const realnameUser = ref<AdminUserItem | null>(null)
 const manualRealnameUser = ref<AdminUserItem | null>(null)
+const walletUser = ref<AdminUserItem | null>(null)
 const freezeReason = ref('')
 const revokeRealnameReason = ref('')
 const quotaAmount = ref(0)
@@ -33,6 +39,12 @@ const manualRealnameForm = reactive({
   idNo: '',
   reason: '',
 })
+const walletForm = reactive({
+  direction: 'out' as 'in' | 'out',
+  amountYuan: 0,
+  reason: '',
+  referenceNo: '',
+})
 
 const filters = reactive<AdminUserQuery>({
   keyword: '',
@@ -73,6 +85,14 @@ function openDepositQuota(row: AdminUserItem) {
   quotaAmount.value = centToYuan(row.deposit_free_quota_cent)
 }
 
+function openWalletAdjust(row: AdminUserItem) {
+  walletUser.value = row
+  walletForm.direction = 'out'
+  walletForm.amountYuan = 0
+  walletForm.reason = ''
+  walletForm.referenceNo = ''
+}
+
 async function handleSetDepositQuota() {
   if (!quotaUser.value) return
   submitting.value = true
@@ -170,6 +190,63 @@ async function handleRevokeRealname() {
   }
 }
 
+async function handleWalletAdjust() {
+  if (!walletUser.value) return
+  const amountYuan = Number(walletForm.amountYuan || 0)
+  if (!(amountYuan > 0)) {
+    ElMessage.warning('请输入大于 0 的金额')
+    return
+  }
+  if (amountYuan > 100000) {
+    ElMessage.warning('单笔调账不能超过 10 万元')
+    return
+  }
+  if (walletForm.reason.trim().length < 2) {
+    ElMessage.warning('请填写至少 2 个字的调账原因')
+    return
+  }
+  if (
+    walletForm.direction === 'out' &&
+    yuanToCent(amountYuan) > Number(walletUser.value.available_balance_cent || 0)
+  ) {
+    ElMessage.warning('扣款金额不能超过可用余额')
+    return
+  }
+
+  const actionLabel = walletForm.direction === 'in' ? '加款' : '扣款'
+  const amountText = `¥${amountYuan.toFixed(1)}`
+  try {
+    await ElMessageBox.confirm(
+      `确认为用户 ${walletUser.value.phone || walletUser.value.id} ${actionLabel} ${amountText}？\n操作将写入资金流水与审计日志。`,
+      `确认${actionLabel}`,
+      {
+        type: 'warning',
+        confirmButtonText: `确认${actionLabel}`,
+        cancelButtonText: '取消',
+      }
+    )
+  } catch {
+    return
+  }
+
+  submitting.value = true
+  try {
+    await adjustAdminUserWallet(walletUser.value.id, {
+      direction: walletForm.direction,
+      amount_cent: yuanToCent(amountYuan),
+      reason: walletForm.reason.trim(),
+      reference_no: walletForm.referenceNo.trim() || undefined,
+    })
+    ElMessage.success(`${actionLabel}成功`)
+    walletUser.value = null
+    await loadUsers()
+  } catch (error) {
+    ElMessage.error(readError(error, `${actionLabel}失败`))
+  } finally {
+    submitting.value = false
+  }
+}
+
 function moneyCent(value: number | string | undefined) {
   return formatCent(Number(value || 0))
 }
@@ -181,7 +258,7 @@ function moneyCent(value: number | string | undefined) {
       <div class="page-header">
         <p class="eyebrow">Users</p>
         <h1>用户管理</h1>
-        <p>查看用户信息和状态，处理冻结与解冻。</p>
+        <p>查看用户信息与钱包余额，处理冻结、实名与余额调账。</p>
       </div>
       <el-button @click="loadUsers">刷新</el-button>
     </div>
@@ -227,64 +304,94 @@ function moneyCent(value: number | string | undefined) {
 
     <el-table v-loading="loading" class="table-panel" :data="users" empty-text="未找到匹配的用户">
       <el-table-column prop="id" label="用户ID" width="80" />
-      <el-table-column prop="nickname" label="昵称" min-width="130" />
-      <el-table-column prop="phone" label="手机号" min-width="130" />
-      <el-table-column label="状态" width="110">
+      <el-table-column prop="nickname" label="昵称" min-width="120" />
+      <el-table-column prop="phone" label="手机号" min-width="120" />
+      <el-table-column label="状态" width="90">
         <template #default="{ row }">{{ userStatusLabel(row.status) }}</template>
       </el-table-column>
-      <el-table-column label="实名状态" width="110">
+      <el-table-column label="实名状态" width="100">
         <template #default="{ row }">{{ realnameStatusLabel(row.realname_status) }}</template>
       </el-table-column>
-      <el-table-column label="免押额度" width="130">
+      <el-table-column label="可用余额" width="108" align="right">
+        <template #default="{ row }">
+          <span class="balance-available">¥{{ moneyCent(row.available_balance_cent) }}</span>
+        </template>
+      </el-table-column>
+      <el-table-column label="冻结余额" width="108" align="right">
+        <template #default="{ row }">
+          <span
+            class="balance-frozen"
+            :class="{ 'is-positive': Number(row.frozen_balance_cent || 0) > 0 }"
+          >
+            ¥{{ moneyCent(row.frozen_balance_cent) }}
+          </span>
+        </template>
+      </el-table-column>
+      <el-table-column label="免押额度" width="100" align="right">
         <template #default="{ row }">¥{{ moneyCent(row.deposit_free_quota_cent) }}</template>
       </el-table-column>
-      <el-table-column label="已占用" width="120">
-        <template #default="{ row }">¥{{ moneyCent(row.deposit_free_used_cent) }}</template>
-      </el-table-column>
-      <el-table-column label="剩余免押" width="120">
+      <el-table-column label="剩余免押" width="100" align="right">
         <template #default="{ row }">¥{{ moneyCent(row.deposit_free_remaining_cent) }}</template>
       </el-table-column>
-      <el-table-column label="注册时间" min-width="180">
+      <el-table-column label="注册时间" min-width="160">
         <template #default="{ row }">{{ formatDateTime(row.created_at) }}</template>
       </el-table-column>
-      <el-table-column label="操作" width="400">
+      <el-table-column label="操作" width="320" fixed="right" align="right">
         <template #default="{ row }">
-          <el-button size="small" @click="openDepositQuota(row)">免押</el-button>
-          <el-button
-            v-if="row.realname_status !== 'verified'"
-            size="small"
-            type="success"
-            :loading="submitting"
-            @click="openManualRealname(row)"
-          >
-            人工实名
-          </el-button>
-          <el-button
-            v-if="row.realname_status !== 'unverified'"
-            size="small"
-            type="warning"
-            :loading="submitting"
-            @click="openRevokeRealname(row)"
-          >
-            撤销实名
-          </el-button>
-          <el-button
-            v-if="row.status === 'active'"
-            size="small"
-            type="danger"
-            :loading="submitting"
-            @click="openFreeze(row)"
-          >
-            冻结
-          </el-button>
-          <el-button
-            v-else
-            size="small"
-            type="primary"
-            :loading="submitting"
-            @click="handleUnfreeze(row)"
-            >解冻</el-button
-          >
+          <div class="table-actions">
+            <el-button
+              v-if="canAdjustWallet"
+              text
+              type="primary"
+              size="small"
+              @click="openWalletAdjust(row)"
+            >
+              余额
+            </el-button>
+            <el-button text type="primary" size="small" @click="openDepositQuota(row)">
+              免押额度
+            </el-button>
+            <el-button
+              v-if="row.realname_status !== 'verified'"
+              text
+              type="success"
+              size="small"
+              :loading="submitting"
+              @click="openManualRealname(row)"
+            >
+              实名
+            </el-button>
+            <el-button
+              v-if="row.realname_status !== 'unverified'"
+              text
+              type="warning"
+              size="small"
+              :loading="submitting"
+              @click="openRevokeRealname(row)"
+            >
+              撤销实名
+            </el-button>
+            <el-button
+              v-if="row.status === 'active'"
+              text
+              type="danger"
+              size="small"
+              :loading="submitting"
+              @click="openFreeze(row)"
+            >
+              冻结
+            </el-button>
+            <el-button
+              v-else
+              text
+              type="primary"
+              size="small"
+              :loading="submitting"
+              @click="handleUnfreeze(row)"
+            >
+              解冻
+            </el-button>
+          </div>
         </template>
       </el-table-column>
     </el-table>
@@ -426,6 +533,89 @@ function moneyCent(value: number | string | undefined) {
         >
       </template>
     </el-dialog>
+
+    <el-dialog
+      :model-value="!!walletUser"
+      title="余额管理"
+      width="560px"
+      @update:model-value="walletUser = null"
+    >
+      <div v-if="walletUser" class="dialog-body wallet-dialog">
+        <p>
+          <strong>{{ walletUser.phone }}</strong> · {{ walletUser.nickname || '-' }} · ID
+          {{ walletUser.id }}
+        </p>
+        <div class="wallet-balance-cards">
+          <div>
+            <span>可用余额</span>
+            <strong>¥{{ moneyCent(walletUser.available_balance_cent) }}</strong>
+          </div>
+          <div>
+            <span>冻结余额</span>
+            <strong>¥{{ moneyCent(walletUser.frozen_balance_cent) }}</strong>
+          </div>
+        </div>
+        <el-alert
+          v-if="Number(walletUser.frozen_balance_cent || 0) > 0"
+          type="warning"
+          :closable="false"
+          show-icon
+          title="该用户有冻结余额，通常对应进行中的提现单。冻结金额请到「提现审核」处理；此处仅调整可用余额。"
+        />
+        <el-alert
+          type="info"
+          :closable="false"
+          show-icon
+          title="扣款用于线下已打款核销；加款用于客服补偿。操作会写入资金流水与审计日志。"
+        />
+        <el-form label-position="top" @submit.prevent>
+          <el-form-item label="调账类型">
+            <el-radio-group v-model="walletForm.direction">
+              <el-radio-button value="out">扣款（核销）</el-radio-button>
+              <el-radio-button value="in">加款（补偿）</el-radio-button>
+            </el-radio-group>
+          </el-form-item>
+          <el-form-item label="金额（元）">
+            <el-input-number
+              v-model="walletForm.amountYuan"
+              class="full-control"
+              :min="0.1"
+              :max="100000"
+              :precision="1"
+              :step="10"
+            />
+          </el-form-item>
+          <el-form-item label="原因（必填，计入审计）">
+            <el-input
+              v-model="walletForm.reason"
+              type="textarea"
+              :rows="3"
+              maxlength="200"
+              show-word-limit
+              placeholder="例如：用户无法提现，已线下转账核销可用余额"
+            />
+          </el-form-item>
+          <el-form-item label="外部单号（可选）">
+            <el-input
+              v-model="walletForm.referenceNo"
+              clearable
+              maxlength="64"
+              placeholder="线下转账单号 / 客服工单号"
+            />
+          </el-form-item>
+        </el-form>
+      </div>
+      <template #footer>
+        <el-button :disabled="submitting" @click="walletUser = null">取消</el-button>
+        <el-button
+          :type="walletForm.direction === 'out' ? 'danger' : 'success'"
+          :loading="submitting"
+          @click="handleWalletAdjust"
+        >
+          确认{{ walletForm.direction === 'out' ? '扣款' : '加款' }}
+        </el-button>
+      </template>
+    </el-dialog>
   </section>
 </template>
 
@@ -440,4 +630,90 @@ function moneyCent(value: number | string | undefined) {
 .user-filter-bar :deep(.el-form-item) {
   margin-bottom: 16px;
 }
+
+.balance-available {
+  color: #0f172a;
+  font-variant-numeric: tabular-nums;
+  font-weight: 700;
+}
+
+.balance-frozen {
+  color: #94a3b8;
+  font-variant-numeric: tabular-nums;
+  font-weight: 600;
+}
+
+.balance-frozen.is-positive {
+  color: #c2410c;
+}
+
+.table-actions {
+  display: inline-flex;
+  flex-wrap: nowrap;
+  align-items: center;
+  justify-content: flex-end;
+  gap: 2px;
+  white-space: nowrap;
+}
+
+.table-actions :deep(.el-button) {
+  margin: 0;
+  height: 28px;
+  padding: 0 8px;
+  font-weight: 600;
+}
+
+.table-actions :deep(.el-button + .el-button) {
+  margin-left: 0;
+}
+
+.table-actions :deep(.el-button.is-text) {
+  border-radius: 6px;
+}
+
+.table-actions :deep(.el-button.is-text:hover) {
+  background: #f1f5f9;
+}
+
+.wallet-dialog {
+  display: grid;
+  gap: 14px;
+}
+
+.wallet-balance-cards {
+  display: grid;
+  grid-template-columns: 1fr 1fr;
+  gap: 10px;
+}
+
+.wallet-balance-cards > div {
+  display: grid;
+  gap: 6px;
+  padding: 12px 14px;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  background: #f8fafc;
+}
+
+.wallet-balance-cards span {
+  color: #64748b;
+  font-size: 13px;
+  font-weight: 700;
+}
+
+.wallet-balance-cards strong {
+  color: #0f172a;
+  font-size: 22px;
+  line-height: 1.1;
+  font-variant-numeric: tabular-nums;
+}
+
+.full-control {
+  width: 100%;
+}
+
+.dialog-body {
+  display: grid;
+  gap: 12px;
+}
 </style>