kang 7ec8f4c5a2 fix(funds): 加固转账冲正、结算收付幂等与坏账核销 ...

- 转入 main_site_timeout 等不可冲正场景直接拒绝，避免假结案
- payment_records / settlement_adjustments 增加 partial unique 索引
- 坏账核销行锁 + meta 幂等回放；补差单记录 result_bill_id
- 新增 FundOperationsHardeningTest 覆盖关键路径

2026-06-26 15:19:17 +08:00

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