style(dashboard): 优化控制台业务与风控词汇，去晦涩黑话更平实易懂

application/admin/controller/shopro/Dashboard.php

@@ -550,7 +550,7 @@ class Dashboard extends Common
         $riskIndicators = [
             'payout_rate' => [
                 'val' => $payoutRate,
-                'text' => $payoutRate <= 35 ? '精算安全 (≤35%)' : ($payoutRate <= 50 ? '轻度偏高 (35%~50%)' : '需重点关注 (>50%)'),
+                'text' => $payoutRate <= 35 ? '支出比例正常 (≤35%)' : ($payoutRate <= 50 ? '支出偏高 (35%~50%)' : '支出过高需关注 (>50%)'),
                 'status' => $payoutRate <= 35 ? 'success' : ($payoutRate <= 50 ? 'warning' : 'danger'),
             ],
             'partner_active_rate' => [
@@ -560,7 +560,7 @@ class Dashboard extends Common
             ],
             'withdraw_audit_rate' => [
                 'val' => $withdrawAuditRate,
-                'text' => "出款率 {$withdrawAuditRate}%",
+                'text' => "打款率 {$withdrawAuditRate}%",
                 'status' => $withdrawAuditRate >= 90 ? 'success' : 'warning',
             ],
             'refund_rate' => [
@@ -572,20 +572,20 @@ class Dashboard extends Common
 
         $riskSuggestions = [];
         if ($payoutRate <= 35) {
-            $riskSuggestions[] = "综合拨比 {$payoutRate}%，处于精算安全区间，净利润沉淀稳固。";
+            $riskSuggestions[] = "分成支出占比 {$payoutRate}%，处于正常合理区间，平台收益结余稳固。";
         } elseif ($payoutRate <= 50) {
-            $riskSuggestions[] = "综合拨比 {$payoutRate}%，略高于基础基准，建议提升高毛利商品动销比例。";
+            $riskSuggestions[] = "分成支出占比 {$payoutRate}%，略高于正常参考线，建议提升高毛利商品的销售占比。";
         } else {
-            $riskSuggestions[] = "综合拨比 {$payoutRate}% 超出常规安全线，请复核进阶与日结各奖励拨出参数。";
+            $riskSuggestions[] = "分成支出占比 {$payoutRate}% 超出常规合理范围，请检查各层级分成与日结奖励设置。";
         }
         if ($warningPartnersCount > 0) {
-            $riskSuggestions[] = "有 {$warningPartnersCount} 位合伙股东进入 7 天临近到期预警期，建议及时定向提醒自购续期。";
+            $riskSuggestions[] = "有 {$warningPartnersCount} 位合伙股东 7 天内自购即将到期，建议及时提醒自购维持资格。";
         }
         if ($pendingWithdrawCount > 0) {
             $riskSuggestions[] = "当前有 {$pendingWithdrawCount} 笔提现申请等待审核（¥{$financeOverview['pending_withdraw_amount']}），请及时处理。";
         }
         if ($lowStockCount > 0) {
-            $riskSuggestions[] = "仓储有 {$lowStockCount} 款商品 SKU 库存告急（≤10件），请及时补充库存。";
+            $riskSuggestions[] = "仓库有 {$lowStockCount} 款商品库存不足（≤10件），请及时补充库存。";
         }
 
         // 9.5 全局实时待办看板 (100% 实时统计，不受日期选择框影响，杜绝漏单漏审)