feat(admin+api): 代理停用默认、结算加固与冒烟配置探针

- 代理层级默认授信比例与停用冻结/禁登全局默认

- 结算预览去重、比分校验、串关当场判负与市场类型校验

- 站内信 Banner/公告自动通知开关；开发环境动态 API 端口

- 扩充 RBAC/结算/认证/返现单元测试与 agent skills

apps/admin/src/views/AgentManager.vue

@@ -112,7 +112,11 @@ type SubAgentLevelState = {
 
 const subAgentLevelState = reactive<Record<number, SubAgentLevelState>>({});
 const agentLevelCounts = ref<Record<number, number>>({});
-const hierarchySettings = ref({ maxAgentLevel: 0 });
+const hierarchySettings = ref({ maxAgentLevel: 0, defaultSubAgentCreditRatio: 50 });
+const agentSuspendDefaults = ref({
+  suspendFreezeDirectPlayers: false,
+  suspendBlockPlayerLogin: false,
+});
 
 function ensureSubAgentState(level: number): SubAgentLevelState {
   if (!subAgentLevelState[level]) {
@@ -220,7 +224,9 @@ const creditContextLoading = ref(false);
 /* ─── Init ─── */
 let pageInitPromise: Promise<void> | null = null;
 const pageInitLoaded = ref(false);
-const DEFAULT_SUB_AGENT_CREDIT_RATIO = 50;
+const DEFAULT_SUB_AGENT_CREDIT_RATIO = computed(
+  () => hierarchySettings.value.defaultSubAgentCreditRatio || 50,
+);
 const freezeAgentVisible = ref(false);
 const freezeAgentLoading = ref(false);
 const freezeAgentTarget = ref<AgentRow | null>(null);
@@ -323,7 +329,7 @@ function computeSubAgentCreditByRatio(available: number, ratioPercent: number):
 const creditQuickRatios = [10, 15, 20, 30] as const;
 
 function computeDefaultSubAgentCreditLimit(available: number): number {
-  return computeSubAgentCreditByRatio(available, DEFAULT_SUB_AGENT_CREDIT_RATIO);
+  return computeSubAgentCreditByRatio(available, DEFAULT_SUB_AGENT_CREDIT_RATIO.value);
 }
 
 function applyCreateSubAgentCreditRatio(ratioPercent: number) {
@@ -439,16 +445,33 @@ onActivated(() => {
   }
 });
 
+async function loadAgentSuspendDefaults() {
+  try {
+    const { data } = await api.get('/admin/agents/settings/suspend');
+    agentSuspendDefaults.value = {
+      suspendFreezeDirectPlayers: Boolean(data.data?.suspendFreezeDirectPlayers),
+      suspendBlockPlayerLogin: Boolean(data.data?.suspendBlockPlayerLogin),
+    };
+  } catch {
+    /* keep defaults */
+  }
+}
+
 async function loadUsersPageInit() {
   try {
-    const { data } = await api.get('/admin/users/page-init');
+    const [pageInitRes] = await Promise.all([
+      api.get('/admin/users/page-init'),
+      loadAgentSuspendDefaults(),
+    ]);
+    const { data } = pageInitRes;
     const payload = data.data as {
-      hierarchySettings?: { maxAgentLevel: number };
+      hierarchySettings?: { maxAgentLevel: number; defaultSubAgentCreditRatio?: number };
       agentLevelCounts?: Record<number, number>;
     };
     if (payload.hierarchySettings) {
       hierarchySettings.value = {
         maxAgentLevel: payload.hierarchySettings.maxAgentLevel ?? 0,
+        defaultSubAgentCreditRatio: payload.hierarchySettings.defaultSubAgentCreditRatio ?? 50,
       };
     }
     if (payload.agentLevelCounts) {
@@ -1108,8 +1131,8 @@ const freezeAgentIsSuspend = computed(() => {
 function toggleFreezeAgent(row: AgentRow) {
   freezeAgentTarget.value = row;
   freezeAgentForm.value = {
-    freezeDirectPlayers: false,
-    blockDirectPlayerLogin: false,
+    freezeDirectPlayers: agentSuspendDefaults.value.suspendFreezeDirectPlayers,
+    blockDirectPlayerLogin: agentSuspendDefaults.value.suspendBlockPlayerLogin,
     unfreezeDirectPlayers: false,
   };
   freezeAgentVisible.value = true;